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McGraw Hill/Irwin Copyright © 2009 by The McGraw-Hill Companies, Inc. All rights reserved

INTERNSHIP IN DEPOSIT RELATION MANAGEMENT AT NABIL BANK LIMITED

 

Presented by: Raj Kumar Bhandari BBA-BI VII A

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Background of the Organization It has successfully completed 28 years of

service since July 12 1984 Over the years the bank has expanded its

outreach across 72 districts of the country through a network of 48 branches, 78 ATMs and 2330 remittance agents

Nabil Bank is one of the top leading commercial bank in Nepal

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Contd..

Mission“To provide quality and innovative service according to the

needs of the customer and become the 1 st choice provider of complete financial solution."

Objectives To provide high quality service to its customer To provide efficient and innovative services to the

customer To generate adequate resources for expansion and

growth To ensure optimum development of their human

resources

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Contd.. Value: The values of the bank is summarized in the

word ‘CRISP’ C= Customer Focused R= Result Oriented I= Innovative S= Synergetic P= Professional

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Major Markets and Customers

Basically Nabil Bank deals with customers under three major sectors:

TourismHydropowerIndustrialWorld wide services and customers.

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Product and ServicesLoan1. Business Loani. Working Capital Loan ii) Fixed Capital Loaniii) Import Loan iv) Export Loan v) Project Finance2. Personal Loani) Housing Finance ii) Auto Finance

iii)Education Loan iv) Personal

Finance

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Contd…Depositsi. Current ii. Call Deposit iii. Time Depositiv. Normal Savings Deposit v. Nabil Bachatvi. Nabil Student Saving viii. Nabil Bal

Bachat Remittance E-Banking Trade Finance Others

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Financial Structure It has the paid up capital Nrs. 2,435,723,000

till mid July 2012 In 2012, it has loan amount of Nrs.

41,605,683,000 and deposited amount is 55,023,695,000. It has earned through interest is Nrs. 6, 133, 739, 00 and interest expenses is Nrs. 3, 155, 490, 000.

Total investment on the different alternatives is Nrs. 8334,748,308.

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Organization Performance and Status

Source: Annual report 2012

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Contd.. Return on Equity and Return on Assets is 31

% and 3% respectively. It has CR (Current ratio) of 0.092 times. This year EPS is just 69.64%. 75% amount is provided as a loan of total

deposit (CD) They are grateful with their employee Nabil has received best Presented Accounts

Awards continuously for the last three years.

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A/c opening and closing Documentation for A/c opening and Closing Information providing about the different

scheme of Nabil and about the Nabil mutual fund as well as distribution of form.

Documentation for Lending Processing for remittance Support to my senior to prepare the regular

report

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

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Problems Solved Customer Handled story Computer operation solution Arrangement of filing and stationery

materials. Helping for ATMs use

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Intern's Key Observation They have individual capacity to treat the

customer proper way but team work performance was not good.

Branch has a problem of job assignment In DRM pending of document employee have more negative comment with

management Feeling of uneasy to serve normal customer Customers are trouble due to the lack of

branch communication.

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Lesson Learnt

Job Oriented Learning Learnt about the interest rate basics of the

bank Learnt to open and close A/C in the system

i.e. Finacle Learnt to process of lending Learnt to process of remittance Learnt of different banking terms

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Contd.. Learnt about the importance of updating the

information provided by NRB and bank. Learnt about the importance of hierarchy on

the organization. Learnt the importance of different document

of customer for bank. Increased the concept of different product and

its features. Learnt the functioning way of teller.

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Contd..

Attitude Oriented Learning Learnt to work under stress Learnt to tackle problem customers Lesson to smile and be polite with the

customer at any circumstances. Lesson to be calm down while dealing with

customer even they are wrong.

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Feedback to the Organization First of all they should continue the all

positive matter having with them such as learning attitude, proper guidance for intern, and punctuality of staff.

Team Leader should encourage for team work.

They should follow the proper structure of job assignment.

They must complete the task on time to avoid the pending of document.

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Contd.. There should be a friendly environment to

avoid the gap between leader and members. Employee should improve their moral and

attitude to serve the different customers. There should be managed of proper

communication between branches.

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Feedback to College/ University College have to held of internship orientation

class earlier. Management should provide sufficient time

to prepare the report. Regularly monitoring the student during

internship is required. University should increase of duration of

internship. University require to provide of easily

understandable report format.

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Thank You