Project Report of Lok Nath Bhusal

7/27/2019 Project Report of Lok Nath Bhusal

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TRAINING REPORT

ON

General Banking and Lending Policyof Shine Resunga Development Bank

Submitted to

Maharishi Dayanand University, Rohtak Towards Partial Fulfillment of Requirement Of Two Year Full Time

Master of Business Administration Degree Programme

SUPERVISOR : Submitted By:

Mr. Ajay Kumar Patel Name: Lok nath bhusal

Assistant Professor Roll No:MBA 3rd SEM

Rawal Institutions of Management ( 2k13)


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DECLARATIONDECLARATION

I Lok nath bhusal, hereby declare that the training report titled General Banking Analysis is

completed under the supervision of Rajesh Goutam at Shine Resunga Development Bank Ltd

and Mr. Ajay Kumar Patel, Assistant Professor, Rawal Institute of management, Faridabad. I

have also been in regular contact with my supervisors. The training report is an original work

and the study in whole or part has been not presented/ published/ submitted for the award of any

certificate/diploma/degree to any Organization/ Institute/ University to my best knowledge.

Signature of Student


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ACKNOWLEDGEMENT

I owe my gratitude to my project guide for her guidance and support at each and every step. Itwould not have been possible to see through the undertaken project without her guidance. I

would also like to thank all faculty members of my college. This is a humble effort to express my

sincere gratitude towards those who have guided and helped me to complete this project, which

is acumination of the Master of Business Administration degree being conferred by M.D.

University. Last I would like to thank all the respondents for their co-operation.

( Student Name)


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TABLE OF CONTENTS

s.no Chapter Page Number1 Introduction 5-202 Organization Profile 20-35

3 SWOT Analysis 36-394 Research Methodology

4.1 Objective of the study

4.2 Tools of the study

4.3 Literature review

4.4 Limitation Of the study

40-46

5 Current scenario of banking industry of Nepal 46-506 Data Interpretation and Analysis 51-637 Conclusion and Recommendation 64-678 Bibliography 68

CHAPTER 1

INTRODUCTION


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1. Introduction:

As my topic of report is General banking and lending policy so I would like to mention a

brief theoretical concept about my topic . as we all know that, Bank is a authorized financial

institutions and the business in which they engage, which encompasses the receipt of money for

the deposit, to be payable according to the terms of the account; collection of cheques presented

for payment; issuance of loans to individuals who meet the certain requirements; discount of

commercial papers; and other money related functions.

From the above definition of the bank and its fundamental functions all these above are

also consider as the general banking system of a banking institution. Mostly general banking of a banking institution involves following:

1. Loan and Advances.

2. Deposits.

3. Remittance.

4. Other products and Service.

1) Loan and advances:

A loan is a type of debt. Like all debt instruments, a loan entails the redistribution of financial

assets over time, between the lender and the borrower.

In a loan, the borrower initially receives or borrows an amount of money, called the principal,

from the lender, and is obligated to pay back or repay an equal amount of money to the lender at

a later time. Typically, the money is paid back in regular installment, or partial repayments; in anannuity, each installment is the same amount.

The loan is generally provided at a cost, referred to as interest on the debt, which provides an

incentive for the lender to engage in the loan. In a legal loan, each of these obligations and

restrictions is enforced by contract, which can also place the borrower under additional


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restrictions known as loan covenants. Acting as a provider of loans is one of the principal tasks

for financial institutions.

The terms of a standardized loan are formally presented (usually in writing) to each party in the

transaction before any money or property changes hands. If a lender requires any collateral, this

will be stipulated in the loan documents as well. Most loans also have legal stipulations

regarding the maximum amount of interest that can be charged, as well as other covenants such

as the length of time before repayment is required.

Loans can come from individuals, corporations, financial institutions and governments. They are

a way to grow the overall money supply in an economy as well as open up competition,

introduce new products and expand business operations. Loans are a primary source of revenue

for many financial institutions such as banks, as well as some retailers through the use of credit

facilities

Loan and advances dominates the assets side of the balance sheet of any bank. Similarly,

earnings from such loans and advances occupy a major space in income statement of the bank. It

is very important to be reminded the most of bank failures in the words are due to shrinkage in

the value of loan and advances. Hence, loan is known as risky assets. Risk of non-repayment of

loan is known as credit risk or default risk, so before providing the loan bank need to analyzevarious factors related with the loans and borrowers. Such as loan purpose, loan amount,

repayment-source, repayment schedule, history of the business etc.

There are many types of loan that a banking institutions offered like:

Agricultural loans.

Industrial loans.

Housing loans.Gold and silver loans.

Personal term loans.

Hire purchase loans ( vehicle loans).

Education loans etc.


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2) Deposits:

Deposits are the major source of fund for any banking institutions, generally deposit is a sum

of money kept in a bank account by the general public, usually to gain interest.

There are mainly four types of deposits, they are :

a) Saving Account:

These are the simplest of deposits. You deposit money into account and you can withdraw itanytime. There would be a small limitation on the number of times you can withdraw money

from your account. The money in saving accounts earn an interest of around 3.5%.

b) Current Account:

These are similar to saving account with two small differences. One, is the money in current

account does not earn interest two is, you any numbers can withdraw any numbers of times.

c) Fixed Deposit:

This is a deposit product where you deposit a certain sum of money with the bank for a specific

duration of time. As per the deposit agreement you are expected to let the money be with the

bank based on the deposit tenure. Hence the interest offered on such deposits is higher than

normal deposits. Also you will attract a penalty charge for pre-closing such deposits.

d) Recurring Deposit:

These are similar to fixed deposits with a difference being, you deposit a small amount of

money every month into this account for a specified duration of time and the bank would

compound the interest every month and pay you in lump at the end of the tenure.


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3) Remittances:

Generally remittance refers to the amount of money that is send from abroad.Under this service the bank provides the remittance received either from the abroad or from

within Nepal.

There are many remittance services available in context of banking institutions in Nepal, they

are:

Western Union Money Transfer.

Money Gram.

IME ( International Money Exchange).

Prabhu Money Transfer.

Laxmi remit.

Nabil remit.

Himal remit.

City remit.

BOK Money Transfer.

4) Other products and services:

The other product and services of the banking institutions are as follows :

a) Mobile Banking:


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The bank has bunched many mobile services, a mobile banking solution for the first time in case

of other development bank. Through this product our account holders can performed financial

transaction, Non financial transaction and receive debit/credit almost without having to

remember the SMS short code of the bank and memorizing cryptic command and syntax.

b) E- corporate:

E-corporate is an internet based software application where client can submit LC/ draft

Application through interest for bank to process the transition.

c) Any Branch Banking Services(ABBS):

In todays world technology is paramount and its role in a service industry like banking is

growing all the more in the twenty first centuries. SRDB, realizing this fact has made all its

services and products and services are accessible to its customer no product are renowned care

banking software.

As all above discuss functions of banking institutions are fall in general banking

system which I will be discuss in this report in a appropriate manner.


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2. ORGANIZATION PROFILE :

2.1 Introduction:

Shine Development Bank limited was established in 22 February 2009. Shine Development

Bank Ltd., a financial institution, provides financial products and services in Nepal. The

company offers saving and fixed deposits; and cash remittance, any branch banking, ATM, and

SMS and Internet banking services. It also provides hire purchase, business, real estate and

housing, industrial, agricultural, educational, foreign employment, overdraft, personal, and other

loans to meet the financial requirement of institutions and individuals; and deprived sector loans

to the deprived groups to empower their financial status. The company is based in Rupandehi,

Nepal with branches in Sandhikharka, Yogikuti, Mangalapur, and Rudrapur. Now this bank has

been merged to Resunga Development Bank in 17 march 2013 and they are jointly running the

bank as the name of Shine Resunga Development Bank Limited. so for my internship report

purpose I would use the data of shine development bank for the sufficient data of at least five

year.

The Bank has been established solely with the aim of getting exclusive confidence of Nepalese

market by rendering global standards of services through professional & quality management.

SRDB has been promoted as a dedicated bank with a primary focus in the development of

industrial trade and commercial in Nepal Besides debt financing, the bank also offers assistance

to the clean and renewable energy projects by way of private equity and advisory and consulting

services. The Bank which has been in profitable operation from its inception, has managed

robust growths in its overall business and profitability during the recent years. The Bank offers a

complete suite of banking products and services including transaction banking, business banking,

project finance, corporate banking and consumer banking.

The Board, supported by the management team comprising of young, enthusiastic professionals,

has successfully embarked on a multi-pronged strategy of consolidation, administrative

streaming, human resource up-skilling, strategic cost management, focused non-performing

assets management, balance sheet and treasury management and controlled asset growth in


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tandem with strengthing the credit culture and strategic marketing and sales. The Bank is rated as

"A" class financial institution by Nepal stock Exchange since listing of its public shares.

SRDB is committed to provide superior banking products and financial to its customers through

efficient and cost-effective service delivery; offering of new innovative products and friendly

customer service; and at the same time maintaining confidentially, professionalism & good

governance. It consistently upgrades its processing systems and technology support besides

broadening its scope, range and quality of services. All its branches are interconnected through

leased line/optical fiber back-ups and are capable of providing on-line real-time banking

services.

The Bank believes in continuously offering new and value added services to customers withcommitment to quality and value to clients. Accordingly, the Bank has been in the forefront in

launching Superior products with unique customer friendly features with immense success.


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2.2 Mission and Objective:

2.2.1 Mission Statement:

Its core mission is to collect the financial liquidity of the country in the form of deposit and

to prop up the economic development of the country by investing on the locale like

industry, business, agriculture and the other entire possible production sector which are

fit in the outlook of business. It also tries to provide the international level of banking and

financial service to its customers.

SRDB aspires to be the best development bank in Nepal with global network.

Every organization is established with some goal to be achieved. Some of the special features

better we say quality about them that lead to the achievement of their goal are as follows:

Provide soft interest rate.

Provide fast service and cooperation.

Provide maximum earning on different types of deposit schemes.

Operate special program on different types of deposit schemes.

Operate special program on selected poor and back ward society by utilizing unused labor and

skill to increase productivity.

Provide cooperate in social welfare.

Provided reduced poverty from the concerned authority.

Follows the computerized accounting interest rate on fixed deposit.


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2.2.2 Objective:

The main objectives of this bank is to serve the people and the nation providing world class

banking products and services through professional and quality management.

The main objectives of this bank are as follows:

To provide standard and reliable financial services to the general public byprotecting and promoting the rights and interest of the depositors, and shareholders of the bank.

To bring about such financial resources, from internal and external sources, as may be requiredfor the establishment, development expansion and enhancement of capability and productivity of agriculture, industry, trade and other productive business which appears feasible from businessviewpoint, and render support for bringing about dynamism in the development of industrial,trade and agricultural sectors of the country.

To establish, operate, develop, expand and promote manufacturing and employment-oriented business in rural and urban areas. By properly utilizing the available skills, labor and capital, to provide such financial resources, technical and managerial consultancy service, training andtechnology as may be required for the same, and be actively engaged in, and thereby render support for, poverty alleviation.

To provide financial intermediary service through institutional investment by integrating thecapital scattered in the country and fair competition.

To provide mid-term and long-term financial means and resources as may be required for investment to be made in the development of infrastructures of the country in a business likemanner, while remaining vigilant towards the protection of environment.


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To mobilize and provide such mid-term and long-term capital as may be required for theestablishment, operation, protection and promotion renewable energy and other infrastructuresand business related therewith, by the private sector.

2.3 Major Market and Customers of SRDB:

Shine Resunga Development bank now covered most of the geographical places of Nepaland the information about SRDBs head office and all its branches are given below:

Head Office

Tamghas-01, Naya Bazar, Gulmi, Tel: 079-520715, 520995, 520996, 520997, Fax: 079-520248

Corporate Office

Butwal-08, Siddhartha Road, Rupandehi, Tel: 071-551500, 551498, Fax: 071-551497, 544497

Branch Offices:

1. Sandhikharka, Arghakhanchi, Tel: 077-420727, 420738, Fax: 077-420728, Branch Manager:

Dipak Pokharel.

2. Wami Taksar, Gulmi, Tel: 9747055795, 9747055796, Branch Manager: Krishna HariBhandari

3. Shantipur, Gulmi, Tel: 9757000923, 9757000995, Branch Manager: Thaman Bahadur Rana.

4. Khaireni, Gulmi, Tel: 9757001048, 993791030, Branch Manager: Prakash Shrestha.

5. Yogikuti, Rupandehi, Tel: 071-438657, Fax: 071-438658, Branch Manager: Rajesh Gautam.

6. Baletaksar, Gulmi, Tel: 071-620466, 620467, Branch Manager: Umesh Gyawali.

7. Majuwa, Gulmi, Tel: 9757001046, 993791144, Branch Manager: Krishna Prasad Aryal.

8. Simaltari, Gulmi, Tel: 9747061345, Branch Manager: Bhuwan Shrestha.

9. Manglapur, Rupandehi, Tel: 071-562720, Fax: 071-562719, Branch Manager: RajendraKumar Wagle.


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10. Rudrapur, Rupandehi, Tel: 071-620480, Branch Manager: Lekhnath Poudel

11. Ramnagar, Bhumahi, Nawalparasi, Tel: 9757002346, Branch Manager: Narahari Poudel.

12. Thada Amarai, Arghakhanchi, Tel: 071-620485, Branch Manager: Baburam Panthi.

Extension Counters:

1. Chutrabesi Extension Counter, Arghakhanchi, Tel: 077-420789, In-charge: Anjali K.C.

2. Jyoti Nagar, 4 No. Extension Counter, Karahiya, Tel: 071562721, In-charge: Ashok Pandey.

2.4 Major Customers Of SRDB:

The primary concern of Shine Resunga Bank Limited of Nepal remains to render their services to various sectors like the priority sector, the weaker sections of the society, small

entrepreneur and to the individuals. It is known for the services provided in various forms of

loans like the home loans, educations loans and others. There is also tale-banking facility at

bank . The bank has earned a lot of honor by making its dedicated services available to the topexport, import houses, business houses and it yet has a room for accommodating more clients.

SRDB have its customer to the product area as well as in service area. The

customers associated with this bank are mostly involved in the hotel business, restaurant,

departmental store, educational institution, stationery business and transportation,

wholesale shop and retail shop, small industries within the country and near districts as

well as areas of yogikuti as well as Butwal city, husbandry business, forming, small shops

and lubricant business. Customers related to deposit and remittances are included .

2.5 Members of Management Team:


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NAME DEGIGNATIONMr. Prakash Poudel Chief Executive Officer Mr. Sarjan Bhattarai Deputy General Manager

Mr. Hum Nath Gyawali Head: Credit DepartmentMr. Bhuwan Prashad Panth Head: Account, Finance & General

Administration DepartmentMr. Gopal Khanal Head: Legal Department

Mr. Bhuddi Jeevan Bhusal Head: Human Resource & Reconciliation

DepartmentMss. Namrata Thapa Head: Operation & Treasury Department

Mr. Devi Prashad Poudel Head:InformationTechnologyDepartment

Mr. Lal Mani Panthi Regional Manager (Gulmi District)

Mr. Dipak Pokhrel Regional Manager (Gulmi District)

Mr. Regional Manager (Gulmi

District)

Manager : Corporate Office

Table. No. 1.1

2.6 Major Services Provided By SRDB:

Shine Resunga Development Bank Limited of Nepal has provided many services under the

guidance of its head office they are as follows:

1. Loan and Advances.

2. Deposits.

3. Remittances.


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4. Other product and Services.

1. Loan and advances:

The financial institution has lunched various types of leading scheme to cater the needs of

various groups of the segment of the society. Some of the leading products are enumerated in

next page.

a . Agricultural Loans:

The Agriculture loans consists of loans from fisheries, animal, husbandries, vegetable and

cash craps framing and poultry farming, bee farming etc. the loan is of seasonal well as long

term depending on the basis of the cash flow of the concern loans. Cane farming is the growing

sector in the district of Rupandehi, Gulmi and Arghakhanchi.

b . Industrial Loans:

Industrial loan are the other area where the Institution is giving emphasis, plastic pipes,

electricity, utensils, dairy, confectionery, biscuits, bakery, handicraft rice and oil, fumitories,automobiles repairing and parse etc. are the potential industries where the institution will be

opted for industrial loan are provided such as overdraft, project long term loans and working

loans.

c . Housing Loan Schemes:


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Housing is the cares are where banks are providing loans. The types of loans are

becoming very popular amount the types of loans are as well as the client specially fixed income

groups. The residential as well as the business complex are growing rapidly. The loan is granted

of 70% percent of the total housing construction. Similarly business complex loans will be

provided under consortium loan scheme.

d . Hypothecation Loans:

Hypothecation refers to the pledging of securities or other assets as collateral to secure a

loan, such as a debit balance is a marginal account. It means to pledge an asset as collateral on

loan without the lender taking possession of the collateral. It especially applies to mortgages: the

burrower hypothecates when he/she pledges the house as collateral for payment for the

mortgage, or he/she may hypothecate the mortgage in order to burrow against the value of the

house. In both situations the burrower retains the house, but the lender has the right to take

possession if the borrower does not service the debt.

d . Gold and Silver Loans:

It refers to the amount of loan provided to the customer by the bank by taking Gold and

Silver as a collateral. It is the pledging of Gold and Silver to secure the loan. Currently, NBL has

charged the Interest rate of 16 % on this type of loan. Loan amount is provided by determining

the quality as well as grade of the Gold and Silver. Quantity also is the major considerations

while providing the amount of loan. But nowadays, loan is provided by pledging gold but not

silver by SRDB.


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e . Personal Term Loans:

Personal term loans are those types ofloan where bank provides loan for personal use to

the customers. In personal term loan, customers can use loan amount anywhere, where they

want. Customer can take the amount of loan at the range of Rs. 5 lakhs to Rs. 50 lakhs. The

maturity of such loan in SRDB is 10 years. The customers having regular source of income only

are capable to get such loan. The interest rate charged in such types of loan is 19 %. SRDB

provides loan up to 60% of value estimated by valuator acceptable to the bank. The minimum

tenure is 2 years and maximum up to 15 years. No pre-payment fee will be charged if paid after

maturity of 1/3 of the loan period. 2% prepayment charge will be levied if prepayment is made

within 1/3 of loan period.

The type of loans and their related interest rates are given below:

Types of Loan Interest RatesHypothecation 15%Gold & silver 16%

Personal term loan 19%Housing loan 16%

Auto loan 18%Agriculture loan 14.5%


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Business O.D 18%

Table. No. 1.2

2. Deposit:

Deposits are the major source of fund for any banking institutions, generally deposit is a sumof money kept in a bank account by the general public, usually to gain interest. This bank is

targeting to develop various type of deposit scheme as market below.

i. Current Deposit:The current deposits have been the most lubricant deposit for the development banks. All

those business institution current account will be transfer to those financial institutions. The

institution will compare inside the Industrial area of Butwal to alternate current the current

account. They aimed for provide a priority country service and overdraft facility.

ii. Saving Deposit:

Saving deposit are the most lubricant deposit schemes for the most lubricant deposit scheme

for the marginal saucers and fixed income group. The financial institution will launch Janata

deposit scheme to be collected at each house holds and Interest will be calculated on minimum

monthly balance amount.

Other lunched program of SRDB are:

Woman Saving.

Normal Saving.

Special Saving.

Nepalaxmi Saving.


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Senior Citizen Saving, etc.

Types Of Saving Deposits Interest RatesWoman Saving. 7%Normal Saving. 6.5%Special Saving. 6.75%

Nepalaxmi Savinng. 7%Senior Citizen Saving. 7.5%

Table. No. 1.3

iii. Fixed Deposit:This institution is giving a great emphasis on fixed deposits as this will be the back bone for

long term leading. The target group is going to pension holders, students, self employed and

business people. Various types of fixed deposits are introduction based on the maturity period

and the amount to be deposit. There are various fixed deposit scheme are Education deposit,

Recurring deposit scheme, Jestha Nagrik, Samman Fixed deposit, Mahila Samman Fixed deposit

Scheme etc. the SRDB fixed deposit Scheme maturity period are:

Maturity Period Interest Rates6 months 7%

1 year 10%Above 1 year 10% to 12%


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Table.No.1.4

3. Remittances:

Under this service the bank provides the remittance received either from the abroad or

from within Nepal. The bank works as the agent of eleven remittance company bank can has

lunched the other remittance service in recent year. The Shine Resunga Development Bank

Limited with focus on effectively channeling financial resources, which come in private transfer

agencies which are as follows:

a. Western Union Money Transfer.

b. Money Gram.

c. IME (International Money Express).

d. BOK Money Transfer.

e. Prabhu Remit.

f. Laxmi Remit.

g. Nabil Remit.

h. Himal Remit.

i. City Remit.

4. Other products and Services:

a. Mobile banking:

The bank has bunched many mobile services, a mobile banking solution for the first

time in case of other development bank. Through this product our account holders can performed

financial transaction, Non financial transaction and receive debit/credit almost without having toremember the SMS short code of the bank and memorizing cryptic command and syntax.

b. E- Corporate:


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E-corporate is an internet based software application where client can submit LC/ draftApplication through interest for bank to process the transition.

c. Any Branch Banking Services:

In todays world technology is paramount and its role in a service industry like banking is

growing all the more in the twenty first centuries. SRDB, realizing this fact has made all its

services and products and services are accessible to its customer no product are renowned care

banking software.

d. Extended Banking Hours:

To make possible flexible transition hours for those customers who are busy during office

hours Nabil has extended 365 days of a year banking services and evening counter from someof its selected branches.

2.7 Organizational Design And Structure:

Shine Resunga Bank Limited is a loving wide regional of banking and providing service

through a Network of 12 branches and 2 extension counters. Its head office is located at Gulmi.

Head office can control of the over all branch office of SRDB. Each sub-branch manager is

responsible for the activities held in his/her respected area and responsibility for the activities

held in his/her respected area and responsible for head office. Head office can divided different

authority and responsibility for each employee of an organization. The decision making process

and the chain of authority follows top to bottom.

Organizational Design and Structure

Figure.no. 1


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aAAKSJA

2.8 Job Profile And Activities Performed By SRDB:

1.Activites Performed In The Bank:

Each employee performs his/ her own task assigned to their job on routine basis. They

are responsible to their job on routine basis. They are assigned to their job on routine basis. They

are responsible for their own performance. Activities performed in the organization depend upon

the status, position and right acquired by them. The activities performed by several employees in

the bank areas follows.

Activities performed as an Intern:

As an intern, I have performed several tasks in the bank with close cooperation and

supervision of the field work. Accountant and loan department. They are as follows:

To fill all the forms required for the formation of group.

Branch Manager

Assistant Branch Manager Cashier

Assistant Assistant Assistant Assistant

Peers Guards


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To fill the loan application from and guarantee paper.

To collect the amount of Installment on daily Interest rate basis.

To make debt and credit voucher for each financial transaction.

To daily and monthly income statement. To prepare general voucher and treasury report.

The process of providing loan with the land as a security.

The software is designed to operate or to provide all the services such as record of

collection, record of savings for Insurance and for control purpose of DBMS.

To record the file in the filling system.

Behaviorally, I have leaned how to interact with how to interact with the staff members,

the language they spoke, the altitude they show and the relation of the member with the

manager.

2.Remmittance Department:

This department has the responsibility to deal with the transfer of funds from abroadespecially from the Middle East countries. NBL is one of the formal banking channels which are

helping to remit money back home safely and quickly from Nepalese workers from abroad.

While performing the work in this department, I was able to get the basic concept of what

remittance is, and the requirements and process of transferring money and its phenomena etc

with the help of Miss Sumi.

Under this department I had performed the followings activities:

* Receive the pin code from the customer. A pin code was provided by money transfer for

identification.


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* Receive identity card e.g. citizenship, passport, license.

* Obtain the form filled by the client and attach a copy of identity card in it.

* Verify the transaction for payment & then provide a copy of payment to teller and file another

copy of it.

In order to provide the service throughout the zone, there are over 50 authorized sub-

agents in different parts of the country. There are over 15 NBL REMIT location established in

different parts of the country for rendering these services. It has established remittance

relationship with a number of exchange companies and banks in Qatar, Kuwait and Saudi Arabia

for rendering inward remittance services.

To spend money in Nepal, the person of the foreign country has to go to the bank, then

they have to fill the form with the details such as recipients full name and address, phone

number, account number, name of remitted bank (e.g. NBL) etc. after this, when the foreignexchange teller accepts the remittance in local foreign currency along with a remittance transfer

form and the remitter has to pay some amount for the service.

Then NBL retrieves the transfer information using network password and file specific

password supplied by the bank. After this process, when beneficiary comes to take the money by

showing their ID or citizenship card, the bank has to distribute the remittance less (if any) to the

beneficiary by making them fill form.

3.Marketing:

This is the most important and weighted department where we and opinions of people

towards the bank were observed by me. Motivating people to open the account was also done by

me, which helped me to increase my convincing power.

I performed marketing of NBL bank about two hour a day for a week. During this time, I

informed the people about the banking knowledge, importance and benefits of bank, product and

services provided by the bank and the position of the bank. While marketing, I found very

positive feedback about NBL and this made me so energetic and excited to provide the

information and get the customers views towards the banks.

4.Problem Solved In The Bank:


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Problems are inherently come at any stage of the business. Solving such problem need close

supervision of the courses. Problems inventory analysis, brain strong reverse brain storming and

the terms deliberate effect to overcome from the problems.

Sometime it takes less time and effort to solve a problem while it takes to long and

required large human resources according to the nature and the characteristics of the problem. As

an interne I have encountered with so many problem during training session each and every

problem solving activities helps me to take valuable knowledge about the way that bank

performs. The key problem solving activities are as follows:

Increasing the opening of account through words of mouth to my friends and relatives.

Making customer aware about the problems they solved during their work time.

Making customer aware about the banking services and facilities to make promotion

about the bank.

I used to solve the queries of people relating to different types of account.

I used to solve the problems related to filling the forms and cheque if people wrongly.

5.Observation Of Key Services:

As a key observation of intern, I observed the way of doing task by the employers, their

way of behaving to the co-workers, senior and juniors, satisfaction toward job by the employer,

dedication toward the work, attitudes of the employer, behavior toward the customer, punctuality

and discipline.

As a whole I have observed all the members of NBL Bank from top to bottom are

dedicated towards their organization. They all are committed and always try to give their best

performances. Organization is also concerned about their employees. Fair and timely salary,

equal treatment, participation, skill development trainings, bonus, favorable work environment,


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benefits and perks, allowances, promotion, etc are given to employees on the basis of their job

position and job performances. Internship in NBL also helps me to observe and study about

organizational activities for the specific period of time and to gain first hand and actual

knowledge about General Banking. It also helps the student like me in identifying and studying

the problems and prospects of organization using the conceptual knowledge acquired by us the

classroom. It also develops our initial research skill, problem finding and solving skill, and so on.

Work Flow Procedure

Figure. no.2

step-1

step-2

Preliminary Discussion between banks andsclient on business

Submission proper / necessary document


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step-3

step-4

step-5

step-6

step-7

step-8

While providing loan to the clients some procedures may be flowed. Those produces

which is followed by the bank is presented in the above diagram which has six steps. The first

step is discussion between clients & bank. Second steps involve submission of necessary

documents and there after the bank inspected the document. The next step is to control the

project. Thereafter looking at report of clients banks approve loan or reject loan.

Loan Recovery Procedure

Figure.no.3

Document inspection

Control inspection / project

Report

Report

Loan Approval or Modification

Reject


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1

2

3

4

5

6

7

2.9 Organization Performance:

1.Financial Aspect:

SDB has provided the better financial service to the customer every year, the financialtransactions are increasing so, and some financial transactions are as follows:

Deposit:

Deposits are main source of funds for the every financial Institution. This bank is

targeting to develop various type of deposit scheme as market.

( In Rs 000)

General reminder notice telephoneconversion

Re Flow Up

Client Visit Project Visit

Strict Flow

35 and 15 notice to pay the over due

loan

15 days notice to pay the 0ver due

If Necessary 7 days notice to paythe due


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Fiscal Year Deposit2009/10 Rs.120002010/11 Rs.5592312011/12 Rs.12787492012/13 Rs.1924737

Table.no.1.5

Figure.no.4

In fiscal year this banks Deposit is Increase in every year. In 2009/10, the deposit is 1 millon 2

lakh only because it was its opening year but in 2010/11 Deposit is Increase to 55 crore 92 lakh

and 31 thousand. Similarly this banks deposit scheme is increasing in every year. In 2011/12

deposit is rapidly increased and so on.

In above figure denoted that this banks deposit transaction are increased in every year. So,

SDBs deposit (borrowing) performance is very betters then comparison of other development

bank. This bank has collected various funds and invests the different areas which help to

increased per capital income to customer.

Loan:


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The NBL has lunched various types of lending scheme to carter the needs of various group

of this banks in lending product is increasing in every which shown in following figure.

( Rs. 000)

Fiscal Year Loan2009/10 Rs. 10002010/11 Rs.455052011/12 Rs.8683982012/13 Rs.1596711

Table.no.1.6


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Figure.no.6

In Fiscal year 2009/10 the SDBs operating profit is Rs Fifty Thousands and net profit is twenty

five Thousand. Similarly in economic year 2010/11 this banks operating and net profits is

increased which operating profits amount is 1 lakh and 10 Thousands. Similarly in fiscal year

02011/12, this banks operating profit is rapidly increasing by Rs.4 lakh sixty seven thousand

and net profit also increased Rs.2 Lakhs and 75 thosand.

So we concluded that this banks operating and Net profit performance is very better which

compassion of other financial institution. The banks operating and Net profit is very better. So bank decided to provide 10% Bonus shared and 16% cash dividend to its shareholders from the

profit of fiscal years 2012/13.


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3. SWOT Analysis:

SWOT analysis is an important tools to identify or to evaluate the organizations internal

strengths and weaknesses and also the external opportunities and threats.SWOT stand for :

S= Strength

W= Weaknesses

O= Opportunities

T= Threats

SWOT analysis is one of the most applicable analysis which is held by the organizations also for

study the environment of the organization.

The SWOT analysis (alternatively SWOT Matrix ) is a structured planning method used to

evaluate the Strengths, W eaknesses, O pportunities, and T hreats involved in a project or in a

business venture. A SWOT analysis can be carried out for a product, place, industry or person. It

involves specifying the objective of the business venture or project and identifying the internal

and external factors that are favorable and unfavorable to achieving that objective

Setting the objective should be done after the SWOT analysis has been performed. This wouldallow achievable goals or objectives to be set for the organization.

Strengths: characteristics of the business or project that give it an advantage over others

W eaknesses: are characteristics that place the team at a disadvantage relative toothers

O pportunities: elements that the project could exploit to its advantage T hreats: elements in the environment that could cause trouble for the business or

project

Identification of SWOTs is important because they can inform later steps in planning to achievethe objective.

First, the decision makers should consider whether the objective is attainable, given the SWOTs.If the objective is not attainable a different objective must be selected and the process repeated.

Users of SWOT analysis need to ask and answer questions that generate meaningful information

for each category (strengths, weaknesses, opportunities, and threats) to make the analysis useful

and find their competitive advantage.
http://en.wikipedia.org/wiki/Planhttp://en.wikipedia.org/wiki/Projecthttp://en.wikipedia.org/wiki/Businesshttp://en.wikipedia.org/wiki/Projecthttp://en.wikipedia.org/wiki/Businesshttp://en.wikipedia.org/wiki/Plan


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Strength:

1. Shine Resunga Development Bank has vast network system in the nation thus helping customer to transact through bank from place to place. It has 12 branches nation wide to help thecustomers.

2. Shine Resunga Development Bank is well known for providing highly personalized service likeATM, e- banking, credit card, etc. It has also introduced a number of new product and services.

3. Human resources of Shine Resunga Development Bank are well trained and are dedicatedtoward its bank. It is providing high remuneration and other benefit to its staff

4. Shine Resunga Development Bank is equipped with latest technology, computer does most of the banking services. Thus the services of the bank are prompt and accurate.

Weakness:

1. The increase of the branches increases the operation cost, administration expenses, salary etc.

2. The political instability is another weakness that the bank is suffering.

3. Too much dependency in computer is not considered to be reliable.

4. Staffs are unwilling to give even required information. They dont want to cooperate with theones who are not its real customer.

Opportunity:

1. Many people deposit their funds in this bank due to its skill in attracting people by adapting andattracting policies like interest rate, prompt services, ATM, credit card services etc.

2. Staff can perform their work more efficiently with the computers. The environment of the bank is sound which enhance its better performance.


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3. People get employment opportunities since it has the highest number of branches in the country.

4. The policies of HMG & NRB rules & regulation always give confidence to the banking sectorsto uplift the economy of the nation.

Threats:

1. Competitors are increasing.

2. The economic condition of the country is very poor.

3. Excess government pressure may create irregular banking transaction, which leads to badreputation of the bank.

4. The bank should be discouraged to open account for the individuals or firm having bad name aswell as illegal names which effects to society. It may be threat, which can ruin the bank.


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CHAPTER-2

4. RESEARCH METHODOLOGY

As we know that research methodology is play a huge and significant role while preparing

any report writing so we have to have knowledge about the research methodology. Research

Methodology is a way to find out the result of a given problem on a specific matter or problem

that is also referred as research problem. In Methodology, researcher uses different criteria for

solving/searching the given research problem. Different sources use different type of methods for

solving the problem. If we think about the word Methodology, it is the way of searching or

solving the research problem.

In research methodology, researcher always try to search the given questions systematically in

our own way and find out all the answers till conclusion. If research does not work

systematically on problem, there would be less possibility to find out the final result. For finding

or exploring research questions, a researcher faces lot of problems that can be effectively

resolved with using correct research methodology (Industrial Research Institute, 2010).

Research Methodologys are of many type like: Quantitative, Qualitative, Descriptive etc.they give us the way to write and to present our report in a systematic way.

For preparing this report, field work research method will be primarily used. It will also touch

the area of description research because this report has been prepared on the basis of description

given by the personnel of the firm and data provided by them. The following methodology has

been adopted for the analysis.

Method Of Data Collection:Data collection usually takes place early in the improvement projects, and is often formalized

through a data collection plan, Which often contains the following:

1. Pre collection activity agree on goals, target data, definitions, methods.


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2.Collection data collections.

3. Present Findings usually involves some form of sorting.

There are mainly two important types of data collection method like: Primary Method And

Secondary Method.

When we collect the data with our own using survey, sample it is known as primary data,

primary data are firsthand data. When data are sufficiently available than primary data collection

method are effective.

And when we used the data from other source for our requirement it is known as secondary data.

When original data are not available than secondary data are effective. Data from literature

review, magazine and from others report work are used as secondary data. Secondary data aresecond hand data.

During my study period, secondary data becomes a supportive source to conduct the result and

analyze them. Thus, in the process of report writing, the various data was provided by the bank.

Through magazines, bulletins and the annual reports, the required data were collected. After

sorting these data, various statistical tools have been used to analyze and interpret the financial

aspect of the bank. Therefore on overall context secondary data has been used in maximum

number.


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4.1 Objective Of The Study :

The main objective of the study are as follows:

To assess the overall general banking activity of the bank.

To assess how efficiently and effectively bank providing different services to its

customers.

To assess amount of loan flowed by the branch unit of the bank.

To assess the receiving of principal and interest to the bank.

To assess the outstanding loan, overdue amount and interest received.

To provide the credit facilities to the clients.

To assess the clients in terms of technical support in various segments.

To assess overall progress of the bank.

Thus, above are the objectives of the study of the topic General Banking And Lending

Policy.


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4.2 Tools Of The Study :

Analysis of data is a process of inspecting, cleaning, transforming, and modeling data with the

goal of discovering useful information , suggesting conclusions, and supporting decision making.

Data analysis has multiple facets and approaches, encompassing diverse techniques under a

variety of names, in different business, science, and social science domains.

Data analysis tools are may be statistical or the financial tools which are used to analyzed the

data in a presentable manner so, the everyone can be easily understand the idea or information

which is required to convey through the report.

For the data presentation and analysis, researcher, takes the help of different simple statistical

and financial tools. The data presentation and analysis tools used in this report are as follows:

Simple Tables.

Pie Chart

Multiple Bar Diagrams.

Trend Lines.

Percentage and Correlation Analysis.

Thus, above are the brief explanation about the the tools of analysis that are used in this report

writing.
http://en.wikipedia.org/wiki/Datahttp://en.wikipedia.org/wiki/Informationhttp://en.wikipedia.org/wiki/Datahttp://en.wikipedia.org/wiki/Information


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4.3 Review Of Literature :

A literature review is a text written by someone to consider the critical point of current

knowledge including substantive findings, as well as theoretical and methodological

contributions to a particular topic. Literature reviews are secondary sources , and as such, do not

report any new or original experimental work. Also, a literature review can be interpreted as a

review of an abstract accomplishment.

Most often associated with academic oriented- literature, such as a thesis, a literature review

usually precedes a research proposal and results section. Its main goals are to situate the current

study within the body of literature and to provide context for the particular reader.

Review of literature is the, thus an essential part of all research studies. It is a way to discover

what other research in the areas of our problem has uncovered. A critical review of the literature

helps us to know or develop through understanding and insight into previous research works that

relates to our study. The literature survey also provides the foundation for developing a

comprehensive theoretical framework from which hypothesis can also minimizes the risk of

pursuing dead-ends in research. Advantages of reviewing the literature applies to the design phase of our project. Designing a study involves several decision as to what variables to include

and how to measure them, what techniques to use and soon.

To do this report work for the first time in our academic year it has been prepared by consulting

various literature, sources written by previous students in BBA in the previous year on the

related topic in the purpose of taking an idea, how to give a good shape to the report. So, the

field work report written by different students and other literature ideas (books, journals) are

consulted about the matters related to the field work report that helped me in the course of writing this report.

Management is a set of activities (including planning, organizing, leading and controlling)

directed at an organizations resources (human, financial, physical and information) with the aim
http://en.wikipedia.org/wiki/Secondary_sourceshttp://en.wikipedia.org/wiki/Secondary_sources


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of achieving organizational goals effectively and efficiently in a changing environment.

(Ricky.W.Griffin, 2000)

Review of literature is the way to discover what other researcher in the area of our problem has

been uncovered. On the other hand, literature survey is that descriptive analysis of any specific

topic which is related only that topic and gives more essential information. Its purpose is to

develop some expertise in ones area to see what new contribution can be made and to receive

some ideas for developing a research design. For preparing this field work report, the researcher

uses the different books, ideas which help to presenting clear objectives of the study. The review

is made from the analysis of annual report; the prospective and the information play to related

finance company.

Literature survey is that descriptive analysis of specific topic, which is related only that topic &

gives more essential information. For preparing this field work preparing this field work report,

the researcher use the different ideas, which helps to presenting clear objective of the study.

According to Cheney and Moses An investment is a commitment of found made in the

exception of some positive rate of return. If the investment is properly under taken the return will

be commensurate with the risk the investment is properly under taken the return will be

commensurate with the risk the investor assumes.

Investopedia explains Loan as the act of giving money, property or other material goods to

another party in exchange for future repayment of the principal amount along with interest or

other finance charges. A loan may be for a specific, one-time amount or can be available as

open-ended credit up to a specified ceiling amount.


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4.4 Limitation Of The Study :

The preparation of this report based on some limitations, They are given below:

The data, information and facts related to the report are based on secondary sources

rather than primary sources.

Four years data is considered for the study, which may not be sufficient to draw a right

conclusion.

This report submits the data available from the concerned authorities. So the accuracy of

the data fully depends upon them.

This report is based on annual report of Shine Development Bank limited so this may not

be applicable to other bank and financial institutions.


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5. Current Scenario Of Banking Industry Of Nepal:

Now a days Nepal economy is doing well, the main reason behind it commercial banking.

Banking sector is growing faster and faster because it provide quality service and reasonable

lending capital to borrower. May be one reason is it provide reasonable interest rate to the public.

There are many services which is provide by bank ,which is beneficial to general public. The

main motive of commercial banking is to invest the capital and to gain the profit which is really

vey helpful for development of economy. There are various scheme which really attract the

customer such as opening the account in an minimum balance. Hence, there is a competition

between the bank which enhance the better quality of services ,So i must say the banking sector is growing so fast and fast.

Despite of growing fast by the banking sector in Nepal the proper management or the monitoring

of the functions of the banking sector is not that much efficient which creat a major challenge for

the RBN of Nepal.

The present scenario of Nepalese financial sector is in a stage of deteteioation. The problem is

mainly seen in the lower class financial institutions categorized as ''kha" or "Ga" by Nepal RastraBank.

A series of incidents rocked Nepalese financial market where many bad practices were seen.

Most of the development banks and financial instructions director or managerial level made bad

practices with the peoples deposit. They had miss used the money for wrong purpose and in an

unauthorized way.

The victim of the bad practice resulting in insolvency was Gurkha Development Bank at first.The managerial persons at managerial level had misused the deposits. Similarly, samjhana

finaoce , united finance, people's finance, Nepal share markets and financial institute recently

vibor development bank and the I don't think the list will conclude here.


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The main reason behind the banks going insolvency is considered to be its investment in

Nepalese real state sector which is in zero level. At times real state sector had boomed at a peak

level. People invested in it in large volume and so did the financial institutions but now the real

state sector is at a low point.

Nepal rastra bank failed in proper monitoring of the banking institutions. Financial institution is

in big trouble and the monitoring institution should be effective enough to solve the liquidity

crunch to solve this problem.

Presently the Nepalese Banking sector is facing a huge problem and is in critical juncture. So, in

order to cope with this problem Nepal Rastra Bank (NRB) has directed the banking sector to go

in the process of Merger and Acquisition. NRB has provided several benefits to the merging

institutions. Responding to the benefits presented by NRB, the banks and the financial

institutions of the country are opting in the process of merger.

Mergers and Acquisition (M&A) refers to the aspect of corporate strategy, corporate finance and

management dealing with the buying, selling, dividing and combining of different companies

and similar entities that can aid, finance, or help an enterprise grow rapidly in its sector or

location of origin or a new field or new location without creating a subsidiary, other child entity

or using a joint venture .

In the present scenario, there are mainly three reasons that forced the nepali banking sector to go

in the process of Merger and Acquisition, They are given below:

1) Liquidity Crunch:

Liquidity refers to the amount of money in the form of cash. The amount of deposit in the bank

are very low and the rate of loan recovery rate is also very low. So, liquidity has been a major


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6.1 Presentation of Loan Flowed (Outflow) in Different Year:

To know about the loan management of Shine Development Bank Limited of Butwal theresearcher collect the related data and information. The collected data were in the in the raw

form. So it was difficult to understand. Therefore, in this chapter such data were presented by the

table, graphs, chart, trend etc. And also such data were analyzed by using various statistical and

financial tools to draw right conclusion.

Table .no. 1.8

Loan followed in different years (in Rs 000)

S/no F/Y Target Amount program

amount

% Achievement

1 2009/10 1500 1000 67%

2 2010/11 38560 45505 118%

3 2011/12 501000 868398 173%

4 2012/13 1250441 1596711 127%

X=2511624.

Mean (X)= N X / =2511614/4 =627903.5


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Figure.no.7

In the above table 1.8, shown than program amount 2009/10 is less than of target i.e. 67% which

cannot be considered an satisfactory result. But after the initial phase F/Y 2010/11, 2011/12 and

2012/13, % of achievement is more than the target i.e.118 %, 173% &125% respectively which

can be considered as very satisfactory results.

6.2 Presentation of principal collections in different year:


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Table.no.1.9

Principal Collection in different Year (Rs.'000')

S/NO F/Y Principal Amount1 2009/10 41754

2 2010/11 64461

3 2011/12 91007

4 2012/13 105652

X=302874.

Mean (X) = N X / = 302874 /4= 75718.5.

Analysis of Principal Collection by trend line


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Figure.no.8

In the above table and fig-8, shows that the amount of principal collection by Shine Development

bank limited in different years is in increasing trend. It is clear that the program amount of

principal collection continuously increases from F/Y 2009/10 to 2012/13 respectively. Table also

shows that % of achievement during the year 2009/10, 2010/11, and 2012/13is very good ie.

144%, 109%, and 106% because it meets the target. But on F/Y 2011/12,the program amount of

principal collection isn't satisfactory because it hasn't meet the target.


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6.3 Presentation of interest collection of different year:

Table.no.1.10

Interest Collection in Different Years (Rs.'000')

S/NO F/Y Interest Amount

1 2009/10 12396

2 2010/11 16906

3 2011/12 20377

4 2012/13 23288

X=72967.

Mean (X) = N X / = 72967/4=18241.

Figure.no.9


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In the above table-1.10, shows that the program amount of interest collected in different years of

Shine Development bank limited is in increasing trend from F/Y 2009/10 to 2012/13

respectively. Table shows that % of achievement on interest collection is satisfactory on F/Y

2009/10, 2010/11, 2012/13 respectively because it meets the target. But on 2011/12 the

collection of interest isn't satisfactory because it hasn't meet the target. From this we can drive

conclusion that Shine Development bank limited hasn't satisfactory result in interest collection.

6.4 Presentation of outstanding of different year:

Table.no.1.11

Outstanding amount in different year (Rs.000)

S/NO F/Y Amount

Outstanding

% Change

1 2009/10 86,929 ..


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2 2010/11 119,902 37.93%

3 2011/12 144,238 20.29%

4 2012/13 165,404 14.67%

X = 516473.

Mean (X)= N X / = 516473/4 = 129118.25

Analysis of % Change in Outstanding amount by trend line.

Figure.no.10

In the above table 1.11, shows that the amount of outstanding in different years is in increasing

trend whereas % change in outstanding amount is in decreasing trend. So, it is quite satisfactory.


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As per the trend line, in the above fig-10, on F/Y 2009/10% change in outstanding amount is

maximum, i.e. 37.93%. After that it decreases at decreasing trend 20.29%, & 14.67%

respectively. From this we can drive conclusion that Shine Development bank limited has quite

satisfactory result for outstanding amount.

6.5 Presentation of overdue amount in different year:

Table.no.1.12

Overdue Amount in Different Years (Rs.'000)

S/NO F/Y Overdue Amount % Change1 2009/10 2447 ..

2 2010/11 3982 62.73%

3 2011/12 4682 17.85%

4 2012/13 2726 -41.38%

X = 13837


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Mean (X) = N X / = 13837/4= 3459.25

Analysis of Overdue amount in different years by trend line

Figure.no.11

In the above table-1.12, clearly shows that the overdue amount from F/Y 2009/10 to

2011/12 is in increasing trend. After that on F/Y 2012/13 the overdue amount is in decreasing

trend. Whereas % change in overdue amount is maximum on F/Y 2010/11 after that it is in


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decreasing trend. But on F/Y 2012/13 % change in overdue amount is negative i.e. -41.78% and

negative amounts regards very good results. From this we can drive conclusion that Shine

Development bank limited has quite satisfactory result for outstanding amount.

6.6 Presentation of Profit( income-expense) in different year:

Table.no.1.13

Profit (Income-Expenses) in Different Year (in Rs. 000)

S/NO F/Y Amount of Profit % Change1 2009/10 2500

2 2010/11 10000 300%

3 2011/12 15000 50%

4 2012/13 27500 83.33%


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X = 55000

Mean (X) = N X / = 55000/4 = 13750.

Analysis of Profit (Income-Expenses) in different Year by trend line

Figure.no.12


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In the above table -1.13 shows that profit of Shine Development bank limited is in increasing

trend from F/Y 2009/10 to 2012/13 respectively. Whereas % change in profit is maximum on

F/Y 2010/11 i.e. 300 % after that on F/Y 2011/12 it rapidly decreases to 50 %. But on F/Y

2012/13 it slightly increases to 83.33%.

6.7 Major Findings Of The Study:

From the design of expenditure presented in chapter - 3; Analysis of data, major findings has

been noted as specified below:

The average figure (i.e. arithmetic mean) found as :

Loan flowed (outflow) Rs.627,903.5

Principal collection Rs.75,718.5

Interest Collection Rs.18,241

Outstanding Loan Rs.129,118.25

Overdue Loan Rs.3,459.25

Profit (Income-Expenses) Rs. 13,750


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Shine Development bank limited has satisfactory result for loan flowed: It was found that

progress can be grown in future. Principal collection has also satisfactory result. As

comparison to loan investment, interest collection isn't satisfactory result, outstanding

amount is quite satisfactory.


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7 CONCLUSION AND RECOMMENDATION

7.1 Conclusion:

Internship has been incorporated as an integral part of MBA program, which provides

student an opportunity to familiarize with organizational culture and develop managerial skills

exposing oneself to the real life functions of the business organization.

The debit card market had grown exponentially in a short period of time in Nepal, rather

than the credit card market because it restricts the number of a privileged section of the

population. Nepalese consumers have slowly beginning to realize that carrying cash for the

transaction is not always a pleasant experience, so the debit card is best option. Everything has

both advantage and disadvantage, in order to safeguard the customer from the risk of improper

use; Debit card consumers should be well familiar about the service and its benefits for its

optimal appliance on day to day life.

Personally, I think the internship period is an exciting phase of a student`s life. It is the

grooming period every budding professional need and simply because one is not an actual

member of an organization does not mean that one can ignore their duties. It is not just a

requirement to pass one`s exams and get a degree, but it is a period where one builds

professional contacts, learns the art of listening and observing.

It was a great experience being an intern in SRDB. I had a lot of opportunities to learn

about different aspects of the banking sector. The banking industry is one of the most importantindustries in the economy as it enhances the economic activities of the country.

Today, it is the banking industry which is balancing the economy of Nepal. Bank is a

financial intermediary whose primary function is to transfer the monetary resources from savers

to the users. The main function of bank is accepting deposits and advancing loans. The basic

services of bank are providing checking accounts, which can be used .


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Lastly, I want to conclude that Shine Resunga Development bank Ltd is indeed an innovative

banking institution. Its service quality is good and it has been able to maintain good relationship

with both the customer and its stakeholders. I found staffs of Shine Resunga Development bank

Ltd. are friendly, cooperative. And it was great experience to work with such a good institution

and people. I hope it will continue to serve its valuable customer with more innovative services

and products.

7.2 Key skills and Attitudes Learnt :

7.2.1 Key Skills:

Skills are depends upon practice rather then practice makes man perfect. By realizing

these statements I have worked so hard to get experienced in the all functional area of the bank.

The all staffs of the NBL are very helpful and kind. They Hartley accept me as an interne. They

cooperate with me in each and every stage of the learning process. Learning the skills is not an

easy task it required the time and patient while learning. The skills that are learned in the training

(Internship) program are briefly described below:

Technical Skills.

Managerial Skills.

Behavioral Skills.

7.2.2 Attitude learnt:

The attitudes are inner expression that can show in the performance of the employees. The attitudes max occur in the specific situation occurred in the

daily performance the analysis of the attitudes is not an easy evaluation of the performance

behavior the close supervision of the work in the office. The employee is to crate the virtual

situation and analyze the employees behavior in that particular situation. As an interne I have

developed the following attitudes in my behavior.


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The bank should have use the control chart to control the bad debts control chart is one of

the most effectiveness tools to control the defects (bad debts).

The bank must provide the remuneration to those field workers who from then centers and

groups.

The bank must develop the carrier development plan for the employee to motivate the

field staff and the other employee.

The bank must formulate the various training program to improve the working

performance of the employee.

The bank must make the close supervision of all branches which come under the controls

of the bank by developing the effective controls mechanism.

The banking service of this bank should be the targeted areas not only in the local

communities nearly the bank.

The govt. must reduce the tax it promote the micro financial institution. The micro

financial institution must put pressure on the government to reduce.

The bank must remove its organizational weakness and have to maintain its pure

organizational goal & mission.


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8 BIBLOGRAPHY

Agrawal, G.R (1993), Organization and management in Nepal : Kathmandu, M.K Publishers

and Distribution.

Dangol, Ratnaman (2059), Accounting for financial Analysis and planning, Kathmandu:

Teleju Prakashan.

Kohan, Meri (2005), Financial Institution and Market, New Delhi: Taja Mc Graw It ill.

Pant, P.R (2003), Field work Assignment and Internship report writing: Kathmandu Buddha

Academic Enterprises Pvt. Ltd.

Rana, Surya (2000, Financial management Kathmandu: Ratrice Pustak Bhandar.Shrestha, Manohar K. and Bhandari, Dipak B. (2062), Financial Market and Institution:

Kathmandu, Asmita books Publishers and Distributors.

Thapa, Kiran (2062), Fundamentals of Investment; Kathmandu: Astnita Publishers and

Distributors

Timilsina Yogendra (2053) Banking business in Nepal Kathmandu: Rastra Pustak Bhandar.

( http://www.mbaknol.com/business-finance/definition-of-development-banks )

( WWW.SRDB.COM.np )
http://www.mbaknol.com/business-finance/definition-of-development-bankshttp://www.srdb.com.np/http://www.mbaknol.com/business-finance/definition-of-development-bankshttp://www.srdb.com.np/


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