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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 Mr.Digendra 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 Ms.Krishtina Shrestha, Assistant loan

officer of A Class Loan Department and Mr.Chiranjivi 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

1.8.1.1. 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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