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ACKNOWLEDGEMENT
I am highly indebted and thankful to the employee of different department of Nabil
Bank Ltd, Head office for providing me with the information and sharing their
viewpoint to work in the organization by sparing their valuable time during my
internship period.
I would like to extend my sincere thanks to Pokhara University for providing us this
platform to enable us gather the basis experience of practical life and help us know
the scenario of actual working environment, adaptation features and pros and cons of
working in the organization through this internship period which is also the partial
fulfillment of Bachelor Degree in Banking and Insurance.
I would like to put my heartily thanks to Ace Institute of Management for providing
us the seminar class attended by well known personal figures of different financial
institution to make us familiar with the working behavior of different organization
and help us groom our personality and attitude to work in the organization.
I do express my deep respect and thank to [Link] Chand, Branch Manager,
Head Office, Nabil Bank Ltd. for giving me an opportunity to do the internship in
recognized and leading financial institution under his guidance and support, and help
me understand the working process of different department and provide me with the
related subject information.
I owe my profound gratitude to my supervisor [Link] Shrestha, Assistant loan
officer of A Class Loan Department and [Link] Raj Pandey, supervisor of
Remittance Department for their valuable guidance and encouragement throughout
the phase of my internship and help me broaden my knowledge and concept with the
current working scenario along with necessary information required during the work.
The success and final outcome of this project is the result of extreme support and
guidance of my parents and my colleagues without whom the completion of my
internship would not have been possible and I would not forget to thank them.
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Ms. Shristi Shrestha
ABBREVIATION
BOD - Board of Directors
CAS - Credit Administration and Support
CEO - Chief Executive Officer
DRM - Deposit Relationship Management
FIs - Financial Institutions
GDP - Gross Domestic Product
GM - General Manager
HO - Head Office
KYC - Know Your Customers
LC - Letter of Credit
NBL - Nabil Bank Limited
NRB - Nepal Rastra Bank
NY - New York
NA - Nostro Account
PA - Performance Appraisal
PAF - Performance Agreement Form
SCB - Standard Chartered Bank
SWIFT - Society for Worldwide Interbank Financial Telecommunication
TC - Travelers Cheque
TD - Time Deposit
WUMT - Western Union Money Transfer
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VA - Vostro Account
Table of Contents
Contents Page
Acknowledgements i
Abbreviation ii
1. ORGANIZATION PROFILE 1-27
1.1. Introduction of Organization 1
1.1.1. The Functions Performed by the NBL 2
1.2. Reasons to choose this organization 3
1.3. Organizations Missions and objectives 4
1.3.1. Missions 5
1.3.2. Objectives 5
1.3.3. Other Objectives of NBL 6
1.4. Major Markets and Customers 7
1.5. Products and Services 11
1.6. Organization Design and Structure 16
1.6.2. Advantages of Divisional Organizational Design 18
1.6.3. Disadvantages of Divisional Organizational Design 18
1.6.4. Making It Work 19
1.7. Financial Structure 19
1.8. Organizational Performance 24
1.8.1. Financial Perspectives 24
1.8.2. Customers Perspectives 25
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1.8.3. Internal Processing Perspectives 26
1.8.4. Learning and Growth Opportunities 26
2. JOB PROFILE AND ACTIVITIES PERFORMED 28-39
2.1. Activities Performed in the organization 28
2.1.1. A Class Loan Product and Online Payment 28
2.1.2. Remittance Department 29
2.1.3. Duties and Responsibilities as an Employee on A Class Loan
And Online Payment Department 30
2.1.4. Job Description of Employee in Remittance Department 30
2.2. Problems Solved 31
2.2.1. Small Initiatives to solve the Problems 32
2.3. Interns Key Observation 32
2.3.1. Employees activities in their leisure time 33
2.3.2. Mutual Trust Among the Staffs 34
2.3.3. Advantages of working in FIs 34
2.3.4. Disadvantages of working in FIs 35
2.3.5. Communication Level 35
2.3.6. Corporate Culture 35
2.3.7. Power and Politics 37
2.3.8. Knowledge about the Banking Terms and Banking Process 37
3. LESSONS LEARNT AND FEEDBACK 40-41
3.1. Key Skill and Attitudes Learnt 40
3.2. Feedback to the Organization 41
3.3. Feedback to the College/ University 41
REFERENCES 42
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LIST OF FIGURES
Figure No. Title of the Figure Page
1.4.1. Diagrammatic Representation of Michael Porters Five
Forces Model 8
1.4.2. Diagrammatic Representation of the Target Market of NBL 9
1.4.3. Diagrammatic Representation of the NBL Customers 10
1.5.1. Diagrammatic Representation of Products and Services 12
1.6.1. Hierarchy Showing the Organizational Structure of NBL 16
1.7.2. Pie-Chart Representation of Structure of Share Capital of NBL 20
1.7.4. Bar Diagram Showing the Trend of Loan of Past Five Years 21
1.7.5. Graphical Representation of the Deposit of Past Five Years 22
1.7.6. Line-Chart Showing the Flow of the Profit of the NBL 22
[Link]. Line-Chart Showing the Trend of ROA 25
LIST OF TABLES
Table No. Title of the Table Page
1.5.2. Table Representation of Types of Products Offered by NBL 13
1.5.3. Table Representation of Major Services of NBL 14
1.5.4. Table Representation of Other Services Offered by NBL 15
1.7.1. Tabulated Form of Share Capital and Ownership of NBL 19
1.7.3. Table Representation of the Past Five Year Financial Data 21
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