Internship Report - Sudan

AnInternshipReportonFunctioningof
CreditAdministrationandSupport(CAS)Departmentof
NabilBankLimited

By
Sudan Raj Shrestha
PU Regd. No: 2003-2-03-0118

A Report Submitted to

Faculty of Management
Apex College

In partial fulfillment of the requirement for the course of
Bachelor of Business Administration (BBA)

Baneshwor
1
st
April, 2007

Apex College
Approval Sheet
The Internship Project Report Submitted by
Sudan Raj Shrestha
I/We certify that I/We have read this document and in my/our
opinion, it is satisfactory in scope and quality as an internship
project report in partial fulfillment for the undergraduate course
(BBA Program) held at the Apex College, Pokhara University.

Signature of Supervisor
Apex College
I
Acknowledgement
My outmost gratitude goes to Pokhara University for including Internship Program
of 3 credit hours in our course. This internship program has helped me to gain
practical exposure of credit administration department of banking system.
I am also thankful to Apex College for providing useful guidelines during the
internship period. I express my gratitude to Mr. Santosh Thapa and other lecturers of
the college for their cooperation to complete report of this volume.
My outmost gratitude also goes to Mr. Krishna Gopal Manandhar, head of Credit
Administration and Support (CAS) department for providing me an internship
opportunity in the department. I am also very thankful to Mr. J aya Krishna Shrestha,
incharge of CAS department and other employees of the department for their
immense cooperation and support during the internship period.
I express my gratitude to all my friends and other who have assisted me in
completion of this project. Last but not the least, my immense gratitude goes to my
parents for their inspiration and support.

II
Executive Summary
This an internship report on Credit Administration and Support (CAS) department of
Nabil Bank Limited, Kantipath submitted to Apex College for the partial fulfillment
of the requirement of Bachelor of Business Administration. The internship period
was around 8 weeks. This report is mainly divided into three sections: General
Description of the Organization, Specific Study of Function (J ob Assigned) and
Internship Program Feedback.
The first section, as name suggests, i.e. General Description of the organization
mainly describes about evolution of Nabil Bank, its ownership structure, its
organizational structure, product and services and the performance of the bank.
After Nepalese banking sector was open for private sector with the amendment of
Commercial Bank Act in 1984, Dubai Bank Ltd. of UAE came forward to establish
first joint bank in Nepal, namely Nepal Arab Bank Limited. At the time of
establishment, 50% of total shares were owned by Dubai Bank Ltd., 20% by public
companies and the rest by general public. Later name of the bank was changed to
Nabil Bank Limited on J anuary 1, 2002 as there was no more stake of Arabians. At
present, NB International Ltd. holds 50% of the total shares of the bank, Rastriya
Banijya Bank holds 10%, Nepal Stock Exchange holds 0.33% and general public
holds .76%. In pursuit of the mission Banker of the 1
st
choice, the bank has
adopted a set of values in form of CRISP. CRISP stands for Customer Oriented,
Result Oriented, Innovative, Synergetic and Professional. For accomplishment of its
mission, the bank has designed various services for its customers that are grouped
into few categories: loan, trade finance, deposit, remittance, cards and ATM, e-
banking, clean bills and others. With efficient and effective delivery as well as
designing of new services to its customers, the bank is able to improve its
performance. The improvement in the performance of the bank is reflected by the
decrement in the percentage of non-performing of credit to around 1% as compared
to earlier 17%. Similarly, Bank was able to maintain its core capital above the
statutory requirement. In addition, Bank was able to increase its profit after tax in
past five years as well as it was able to increase its number of employees which
implies that the Banks operation is expanding.
III
The second section of the report, i.e. specific study of function (job assigned) deals
with the various activities or the jobs that were performed as an intern in the CAS
department of Nabil Bank Limited, Kantipath. CAS department support in
administration part while Business Bank and Privilege Bank brings customers for
various facilities of the Bank, i.e. it maintain the records of documents for various
facilities, carries out frequent inspections of the borrowers and sets the limit of the
maximum amount that a borrower can withdraw in electronic database Finacle
Core. In addition, the department is also responsible for keeping the records of
borrowers in Credit Information System of Credit Information Bureau (CIB).
One of the job responsibilities assigned was maintaining and updating the records in
Credit Information System of Credit information Bureau. It maintains creditors
records which usually consist of the information about the borrower who may be
individual or organization, the ownership structure of the borrower, its sister
concerns, undivided family members, the authorized person, guarantor of such
borrower and the information about the security kept as collateral or pledge by
borrower. This information basically helps to analyze credit worthiness of
borrowers.
The second job responsibilities were ensuring proper documentation against the
various types of loans. Different set of documents are kept for different facilities.
Such documents can be broadly divided into two categories: standard and non-
standard documents. The main purpose of these documents is to protect the bank in
case of failure of repayment by the borrowers. The third function was maintaining
records of Account Maintenance Input (AMI). AMI is required for maintaining
Nabils database in Finacle Core.
The fourth function carried out is updating the valuation records of properties kept
as collateral by the borrowers. The valuation is usually done to find out whether
value of the property mortgaged can cover the loan amount so that in case of default
of a borrower, the bank can raise its loan amount by auctioning the property
mortgaged. The fifth function is ensuring all type of securities have the adequate
insurance coverage.
IV
The sixth function is consolidating and verifying borrower list of different branches
into a single file. In addition verification is done for each entry. The consolidation
was done because the bank centralized its credit operation in Kantipath branch.
Another function was providing borrower information sought by CIB and various
other banks. Lastly, the employees of the bank were assisted in their day to day
activities.
The third section of this report is Internship Feedback Program. This section
includes my opinions towards five different questions. This section mainly includes
my opinions toward my college courses relevancy in the actual job market,
importance of internship, and recommendations for my college. There are a few
recommendations I have made but the most important one is for my college to be a
little bit proactive and try to train its students in there area of choice in internship.
Apex College should make an effort to arrange for training its students for their
respective potential organizations working.

Table of Content
ACKNOWLEDGEMENT I
EXECUTIVE SUMMARY II
SECTION A GENERAL DESCRIPTION OF THE ORGANIZATION 1
1 BACKGROUND OF ORGANIZATION 1
1.1 Organizational Profile 1
1.2 Ownership Structure of Nabil Bank 4
2 MISSION AND VALUES 5
3 ORGANIZATIONAL STRUCTURE 6
4 PRODUCTS AND SERVICES 8
5 ORGANIZATIONS PERFORMANCE PROFILE 10
5.1 SWOT Analysis of Nabil Bank. 10
5.1.1 Strengths 10
5.1.2 Weakness 11
5.1.3 Opportunity 12
5.1.4 Threats 13
5.2 Analysis of Organizational Performance Indicators 16
5.2.1 Analyzing No. of Staffs 16
5.2.2 Non performing Credit 17
5.2.3 Pass Loan 17
5.2.4 Sub-standard Loan 17
5.2.5 Doubtful 17
5.2.6 Loss 17
5.2.7 Capital Fund 18
5.2.8 Deposits, Loan & Advances 19
5.2.9 Profit after Tax 20
SECTION B SPECIFIC STUDY OF THE FUNCTION (JOB ASSIGNED) 22
6 INTRODUCTION TO THE JOB PERFORMED 23
7 FUNCTION, RESPONSIBILITY AND WORKING SYSTEM OF CAS 23
8 JOB ASSIGNED DURING INTERNSHIP 25
8.1 Credit Information Bureau 25
8.2 Ensuring proper documentation against the various types of loans 34
8.2.1 Standard Documents 34
8.2.1.1 Promissory Note 34
8.2.1.2 Sanction Letter (Letter of Agreement) 34
8.2.1.3 Assignment of Account Receivables 35
8.2.1.4 Power of Attorney 35
8.2.1.5 Letter of Continuity 35

8.2.1.6 General Letter of Hypothecation 35
8.2.1.7 Supplementary Agreements 35
8.2.1.8 Subordination Agreement 35
8.2.1.9 General Letter of Trust Receipt 36
8.2.1.10 Letter of Guarantee 36
8.2.1.11 Cross Guarantee 36
8.2.1.12 Letter of Indemnity 36
8.2.1.13 Wealth Statement 37
8.2.1.14 General Counter Guarantee 37
8.2.1.15 Letter of Set off 37
8.2.1.16 Bill Purchase Agreement 37
8.2.2 Non Standard Documents 37
8.2.2.1 Loan Deed 37
8.2.2.2 Mortgage Deed 38
8.2.2.3 Pari Passu Charge 38
8.2.2.4 Board Resolution of Borrower 38
8.3 Check List approach to Documentation 39
8.3.1 Letter of Credit 39
8.3.2 Guarantee 39
8.3.3 Term Loan 39
8.3.4 Trust Receipt Loan 40
8.3.5 Overdraft/ Demand Loan/ Time Loan 40
8.4 Account Maintenance Input 41
8.5 Updating of Various documents 42
8.5.1 Valuation Records 42
8.5.2 Insurance Coverage Records 43
8.5.3 List of Borrowers 43
SECTION C INTERNSHIP PROGRAM FEEDBACK 45
9 INTERNSHIP PROGRAM FEEDBACK 46
9.1 To what extent was the knowledge you had acquired in the course
relevant and useful to you in the context of the job or function you
placed in? 46
9.2 What were the components of the job you were very comfortable with? 46
9.3 What components of the job were difficult to perform and new to you? 46
9.4 What were the practical learning experiences for you from this
program? 47
9.5 What improvements do you suggest in the course contents and their
teaching, and the internship program itself? 47
BIBLIOGRAPHY 48
ANNEXURE 49
Branches of Nabil Bank 49
Management Team 50
Board of Directors 52

List of Figures
Figure 1: Ownership Structure 4
Figure 2: Organizational Chart 7
Figure 3: Loan disbursement & Recovery 24
Figure 4: Credit Information System 26
Figure 5: Borrower Information 27
Figure 6: Entity Information Sheet 28
Figure 7: Concern Information Sheet 29
Figure 8: Undivided Family Information Sheet 30
Figure 9: Authorized Person Information Sheet 31
Figure 10: Guarantor Information Sheet 32
Figure 11: Security Information Sheet 34
Figure 12: Account Maintenance Input 42
Figure 13: Valuation Records 42
Figure 14: Insurance Coverage Records 43
Figure 15: List of Borrowers 44

List of Charts
Chart 1: No. of Staffs 16
Chart 2: Non Performing Credit / Total Credit 18
Chart 3: Capital Fund 19
Chart 4: Deposits, Loans & Advances 19
Chart 5: Profit After Tax 20

List of Abbreviation
1 AMI Account Maintenance Input
2 ATM Automatic Teller Machine
3 BOD Board of Directors
4 CAS Credit Administration & Support
5 CEO Chief Executive Officer
6 CRISP Customer Oriented, Result Oriented, Innovative, Synergetic & Professional
7 CIB Credit Information Bureau
8 CIS Credit Information System
9 CTL Card Tech Limited
10 LC Letter of Credit
11 NBL Nepal Bank Limited
12 NRB Nepal Rastra Bank
13 RBB Rastriya Banijya Bank
14 SCBL Standard Chartered Bank Limited
15 TR Loan Trust Receipt Loan
16 VPN Virtual Private Network

1
Section A

General Description
of the
Organization
Section A: General Description of the Organization 1
1. Background of Organization
When Nepal felt the need of trade liberalization, commercial bank act of 1974 was
amended in 1984 with a provision for private sector and foreign investors to open
commercial banks in Nepal. As a result Dubai Bank Ltd. of UAE came forward to
establish the first joint venture bank in Nepal. Consequently Nepal Arab Bank Ltd.
was established in 12 J uly 1984 with 50% shareholding of Dubai Bank Ltd., 20%
shareholding by public companies and 30% shareholding by general public. Later
Dubai Bank Ltd. was merged with Emirates Bank Ltd. which sold its shares of Nabil
to National Bank of Bangladesh in 1994. National Bank of Bangladesh also sold its
share to NB International Limited of Ireland in 2000. Finally, as there was no more
stakes of the Arabians, the name of Nepal Arab Bank Ltd. was changed to Nabil
Bank Ltd. on J anuary 1, 2002.
At the time of establishment, the authorized capital of Nabil Bank Ltd. was Rs. 60
million and paid up capital was Rs. 30 million. At present the authorized capital of
the bank is Rs. 500 million and paid up capital is Rs. 491.65 million. The Net worth
of the bank is 1481.68 million. The market capitalization of its share value as at 23
March, 2005 is Rs. 6539 million. The bank has already distributed dividend of Rs.
1588 million over the 20 years of its history.
1.1 Organizational Profile
In the initial period, Nabil Bank Ltd. commenced its business recruiting 30 staffs at
Durbarmarga branch. Nabil bank presently employs 372 permanent staffs and some
60 contract staffs in its 15 branches and two counters.
Nabil bank got the glory to introduce modern banking in Nepal and brought the
monopoly of two state-owned commercial banks to an end. People were caught in
surprise to see bank approaching business houses and persons; reversing the age old
tradition of businessman knocking the door of bank. Success of Nabil bank Ltd.
enticed several joint venture banks like Nepal Indosuez Bank Ltd. (2042-11-16),
NGBL (2043-10-16) Himalayan Bank Ltd. (2049-10-05) and many others followed
subsequently.
At the time of inception the bank initiated business with basic services like accepting
deposits and loan extension. Nabil bank, being the market leader in the banking
industry has innovated and introduced many financial products. Nabil was the first
to use Computer for financial transactions, it introduced Consortium financing in
Nepal. Nabil was the first in Credit Card (USD and NPR) issuance and acquiring.
Among the joint venture and private banks established after 1984, Nabil became the
first to implement voluntary retirement scheme also. Some 46 employees were
retired at the cost of Rs. 31.41 million through this scheme with the expectation of
adding new energy to the bank.
Bank has launched Visa Electronic debit card which can be used in any ATM
machines (free in Nabils ATM) and it can also be used in POS terminals to buy
goods as well. Nabil has already installed 11 units of ATMs in various branches and
places like Kantipath, Lalitpur, New Road, Thamel, J orpati, Pokhara, Biratnagar,
Dharan, Butwal and Phora Darbar. 2 units are in the pipeline to be installed. This
will facilitate the customers in terms of cash withdrawal around the Kingdom.
Nabil Bank is about to initiate Internet banking and Tele-banking shortly. This will
facilitate and enable customers in terms of payment, enquiry and transfer and
provide instructions in their account. The hazard of traveling to the bank for every
transaction will be eliminated and this will advance Nabil to a world class bank
having easy access from any part of the world.
The organization structure of the bank has changed recently; bank is in the process
to centralize most of the departmental works unit wise. This is mainly to have
specialization in every field. Bank has established Personal Lending Unit at its
Lalitpur branch with the objective of focusing on consumer financing only such as
home loan, auto loan, personal loan etc. Privilege Banking Unit has been established
to provide service excellence to its high value customers. Business Banking Unit has
been established with a team of expert credit analysts with the purpose of analyzing
and screening business viability, technical competency, market demand, and
managerial ability of the business unit. Bank is about to bring its National
Processing Unit at Maharajgunj branch in operation shortly. This will centralize all
the operations such as Account opening/closing, Cheques issuance, Inward and
Outward remittance etc. Bank has created a Special Cell Unit for the management of
NPA only. Bank is in the course of centralizing its trade finance operations also in
Kantipath branch. Bank has completed the centralization process from its valley
branches and the departments outside valley is expected to be centralized within this
Chaitra.
Nabil bank has a separate card division to perform and monitor all card related
transactions. Nabil bank got the opportunity to be the first bank to introduce credit
card in Nepal by securing the membership of Master Card. Bank has recently
introduced an upgraded version of Card Tech Ltd. (CTL) a UK based leader in
Payment Industry. By the implementation of this prime system it gives service
advantage on the issuing and acquiring of the card business. Though the card
division initiated with master card only it has a range of products to accept and offer
at present. All sorts of credit cards are accepted and bank provides Master Card (in
NPR and USD), Visa Card and Visa Electron Debit Card. The Nepalese Rupee card
can be used in India also. People having foreign currency account can obtain dollar
credit card. If people traveling abroad wishes to have a dollar credit card, they can
avail it to the amount eligible against their passport facility.
The various financial products and facilities bank has in offer are Import LC, Export
LC, Guarantee, Remittance, Export/Import Loan, Working Capital and Consumer
Financing etc. Expeditious methods like Swift, Telex, Courier, are used to deliver
messages and documents. Discount LC is established to facilitate the customer to
meet its cash crunches. Refinance against export LC is provided. Forward contract
was brought in practice since the inception of LC transaction by the bank. Being the
agent of the customers Nabil has been handling Clean and Documentary Collection
and execution of Standing Instructions are made. Nabil has 15 branches and 2
counters in the kingdom and around 190 corresponding relations around the globe.
This network has assisted to deliver the service with efficiency in minimum time
period. Any transaction can be processed within a short period of time. In addition to
this Nabil has drawing arrangements with around 47 countries. Major corresponding
banks are Amex, City, Dresdner, Tokyo Mitsubishi, SCBL, HSBC, UBAF, EBIL,
ICICI and ABN Amro.
Nabil bank has introduced Anupam Bachat Yojana to encourage general public on
savings by offering multiple benefits like higher interest rates, life insurance, prize
money through lottery scheme etc. People having ABY account in the bank are
levied only 50% charges on facilities like purchase of TC, Fund transfer and various
other facilities. Nabil has initiated a large number of retail banking products such as
Auto Loan, Home Loan, Educational Loan, Personal Loan, Employment Loan etc.
The banks latest product in offer is Mortgage Loan offered by Business bank at
Kantipath, which ranges from Rs. 5 million to Rs. 20 million. A registered business
firm is not required for this loan.
The main assets that Nabil possess is the confidence of the public, highly qualified
and expert manpower, a very highly experienced management team, the recently
introduced world class software technology, a strong financial condition, which
helped to win the bankers award hosting it to the position of Bank of The Year
2004 The slogan of the bank has remained as Your bank At Your Service. The
focus of the bank is to be, The Bank of 1
st
choice.
1.2 Ownership Structure of Nabil Bank
At present NB International Ltd. holds 50% of the banks share, Rastriya Beema
Sansthan holds 9.67%, NIDC holds 10%, Nepal Stock Exchange Ltd. holds 0.33%
and the General Public hold 30%. Among the general public, Mrs. Sarika Chaudhary
holds 0.76%, Mr. Nirwan Kumar Chaudhary holds 0.76%, Mr. Binod Kumar
Chaudhary holds 0.56% and Princess Prerna Shah holds 0.59%.

Figure 1: Ownership Structure

2. Mission and Values
The main mission of Nabil Bank is to be the Bank of the 1st Choice. In pursuit of
this mission Nabil Bank has adopted a set of values in form of CRISP.
CRISP stands for a.) Customer Focused b.) Resulted Oriented, c.) Innovative
d.), Synergistic and e.) Professional. Though the word itself is self explanatory it
can be elaborated as follows:
a) Customer Focused: Banks are established with the sole objective of rendering
service. Banks do not have any tangible products to sell than the service. So our
success lies on satisfying and delighting the customers. Customer Focus is the
main objective which when realized, automatically fulfills other objectives.
Customers are the consumers of our various financial products hence utmost care
and focus must be given to ensure that they are satisfied. Unless the customers
are satisfied and delighted by our service the existence of our bank will come in
question. Hence, to ensure a healthy and perennial life of our organization
Customer Focus should be one of the mottos of our bank.
b) Result Oriented: Every Organization comes into existence only with some
goals and objectives. To meet the goals and objectives of the organization, all the
employees must be committed to obtain the results. The employees must be
Result Oriented; then only shall the goals and objectives of the Organization
fulfilled. The final goal of an organization becomes Net worth maximization;
hence, we all must contribute towards achievement of this goal.
c) Innovative: New ways and new techniques is to be introduced by the employees
so that the organizational objectives can be achieved with ease. All staffs must
endeavor to be Innovative which will be beneficial for goal achievement of the
organization.
d) Synergistic: Group efforts are very important in achieving organizational goals.
If it takes a week for a single person to complete a single task, it will take only 3
days to complete the same work and if one more manpower is added, and if one
more further added it will be finished within a day. Here, we can see the
economy in man power expenditure and at the same time the service is delivered
at the fastest time period possible. The customer is satisfied and at the same time
there was advantage to Organization also in terms of manpower expenditure.
This is synergistic.
e) Professional: Ethics is a part of humanity, employees as mentioned above are
here to serve people but with the objective of achieving organizational goal.
Organizational goal is to earn profit by satisfying customers. So in the course of
delivering service staffs must exercise their energy with professionalism.
3. Organizational Structure
Organizational chart of Nabil Bank shows that the top most position in the
organization is occupied by Board of Directors. Under the BOD consists of five
positions and departments which are Company Secretariat, PPP Committee, Chief
Executive Officer (CEO), Credit Committee and Audit Committee.
CEO usually controls three departments: Business: Business Generation, Supporting
Units and Credit. Business Generation is usually concerned with selling different
products and services of the bank to its customers. Business Generation has
following departments: Business Bank, Privilege Bank, Personal Lending Unit,
Cards, Business Development (Remittance), and Treasury and Correspondent
Banking.
The main function of Supporting Units is to support the overall operations of the
bank and has following departments: Operations, Legal, Information Technology,
Administration, Human Resource and Finance and Planning. Operations control
departments like National Processing Centre, Central Trade Operations, Branch
Operations and HO operations.
The Credit is usually concerned with the approval of various types of loans and its
recovery. It has following departments: Approval, Administration and Recovery.
Similarly Audit Committee controls Audit & Inspection and Compliance
departments.
There is also coordination among various departments which is shown in the chart
with dotted lines.

Figure 2: Organizational Chart
Board of Directors
Company Secretariat PPP Committee CEO Credit Committee Audit Committee
Business
Generation
Support Units Credit
Operations
National Processing
Centre
Central Trade
Operations
Branch
Operations
HO Operations
Legal
Business Bank
Privilege Bank
Personal
LendingUnit
Cards
Business
Development
(Remittance)
Treasury &
Correspondent
Banking
Finance &
Planning
Human
Resource
Information
Technology
Administration
Approval
(BB/PL & Cards)
Administration
Recovery
Audit &
Inspection
Compliance
4. Products and Services
Nabil Bank has been providing various services to its customers and it has been
continuously increasing their variety. Such products and services are as follows:
1. Loan
Working Capital
Fixed Capital
Import Bills Discounting facility Under Suppliers Credit
Export Loan
Hire Purchase
Project Finance
Consortium / Syndication Loan
Mortgage Loan
Loan Against Deposit & Govt. Securities
Housing Finance
Auto Finance
Nabil Property
Personal Finance
2. Trade Finance
Import LC
Export LC
Forward Contract
Bid Bond
Performance Bond
Counter Guarantee
Advance Payment Guarantee
Shipping Indemnity
3. Deposit
Current
Call
Time
Normal Savings
Provident Fund
Retirement Fund
4. Remittance
SWIFT Transfer
Western Union
E-Remittance (Qatar, Doha)
Traveler's Cheque
Bank Draft
Mail Transfer
Manager's Check
Anywhere Branch Banking
5. Cards & ATMs
MasterCard Local
MasterCard International
VISA Local
Diners Card
For Travel (Against Passport Facility)
VISA Electron / ATM Card
Nabil Prepaid Card
Acquiring Business
6. E-Banking
NabilNet
NabilTele
7. Clean Bills
Clearing
Bills Purchase
Bills Collection
8. Others
U.S. Visa Fee
Safe Deposit Locker
Balance Certificate
Advance Payment Certificate
5. Organizations Performance Profile
Nabil bank celebrated its 20th anniversary followed by the title Bank Of The Year
2004 gaining the advantage of being included in list of A+rated banks published
by the Bankers of England. It was based on the strength of the financial statement of
the bank; the investments made in manpower and recently introduced world class
higher ended banking software. Hence, I am trying to analyze the performance of
Nabil bank on two broad bases, viz,
SWOT Analysis
Organizational Performance Indicators Analysis
5.1 SWOT Analysis of Nabil Bank.
Though Nabil is the pioneer in the banking industry it has not remained free from
weaknesses also. Hence, endeavor is made to summarize the Strengths and
Weakness and the Opportunities and Threats felt at present.
5.1.1 Strengths
1) Nabil Bank was the first joint venture bank in Nepal. It became successful to win
the confidence of the public and opened an avenue for many other banks to
venture here. For this reason Nabil remains historically a market leader in the
banking industry of our country.
2) Nabil bank was the one to introduce the marketing concept in banking industry
of Nepal. It started to knock the doors of business houses and endeavored to
learn their business so the trust and bond between the business community and
Nabil bank became even stronger. When a business house starts a business their
most favored bank to be approached becomes Nabil bank.
3) Nabil bank has got the most efficient manpower in the industry which is proved
by its achievement and growth made so far. Due to this advantage, with
minimum manpower, Nabil has been able to produce larger volume of work.
This has minimized the administrative cost of the bank.
4) Nabil has 15 branches and 2 counters in the kingdom and around 190
corresponding relations around the globe. This network has assisted to deliver
the service with efficiency in minimum time period. Any transaction can be
processed within a short period of time. In addition to this Nabil has drawing
arrangements with around 47 countries. Major corresponding banks are Amex,
City, Dresdner, Tokyo Mitsubishi, SCBL, HSBC, UBAF, EBIL, ICICI and ABN
Amro.
5) The Net worth of Nabil bank has increased by 49.50 times in mere 20 years time
frame. This can be labeled as an outstanding achievement. This has given
enough confidence among the shareholders as their venture is yielding a very
high growth rate.
6) Nabil bank has introduced a sophisticated world-class software system
globalizing the entire branches within the country with one central control and
enabling all the branches to transact with any branch of the country. Due to this,
the customers having an account in one branch can avail any required facility
from any other branch.
7) Nabil bank has been able to maintain capital adequacy ratio higher than the
standard NRB requirement.
8) Long term deposit constitutes the major portion of Deposit mix of Nabil bank.
This is theoretically better for long term financing.
9) Nabil bank has contributed in the upliftment of Nepalese economy. The
shareholders, the customers and staffs are satisfied by the performance of the
bank.
10) Nabil has its own training center to add and update technical skills for the
business.
11) Nabil has the largest network of ATM all over the country.
5.1.2 Weakness
1) Much of the personnel policies are frequently changed at the vested interest of
some few staff which has caused great deal of frustration among the genuine
staff; this can be detrimental to the organization in the long run.
2) The promoters of the bank seem more interested in temporarily holding than on
long term operation of the organization. This can be sensed from the banks
investment in land and building.
3) Nabil bank still seems to focus on profit maximization concept than on wealth
maximization concept. Profit maximization is a traditional concept.
4) Employee turnover seems pretty high in Nabil Bank. This has exposed Nabil
Bank towards the risk of its secrets being divulged to the competitor banks. This
has also barred Nabil benefit from the experience curve effect.
5) The major portion of Deposit mix of the bank is interest bearing deposits.
Therefore the major percentage of income is spent in maintaining these deposits.
6) In the current volatile situation, focus on fee based income could be a better
option than concentrate on exposure based income. The income from
Investment, Commission and Discount and Exchange Income of SCBL is higher
than Nabils.
7) Nabil bank, being the pioneer bank, should have been the leader in introducing
any new products but clearly the bank has followed others path in introducing
any new product.
8) Bank lacks the strategic marketing concept. Though Nabil is a pioneer bank, it
has failed to capture high valued customers which yields major portion of FCY
income, fee income and interest income.
9) Banks lacks good H/R policies. Bank has failed to place the right person at the
right place. Staffs having the capacity to yield 100% in credit are thrushed in
operation and vice versa. The ultimate output differs which is a loss to the bank
in an indirect way.
10) At present the staff expenses have increased to a considerable amount. This can
be a symptom of overstaffing also. If so bank must curb out the redundant staff
at the earliest.
5.1.3 Opportunity
1) Manpower: NRB has instructed banks to invest with or without any collateral or
guarantee to those going abroad for employment. Nabil Bank must either accept
collateral and invest in this sector or request foreign employer company to
provide guarantee to ensure that the payment will directly be made to our bank.
2) Hydro Electricity: The huge imbalance between the demand and supply of
energy evidences the space for the development of this industry. So far
electricity has been catering less than 2% of total energy consumption of the
country. Nabil can venture in this sector.
3) Communication Industry: There is ample opportunity for the development of
communication industry in the country. There is still plenty of space for the
growth of this sector which is illustrated by the fact that there are still 321200
applications in the waiting list of Nepal Telecom for additional lines. Hence,
Nabil bank can capitalize this sector for investments.
4) Cigarettes and Beverages: Demand of such consumer item depends on quality
and not the price. Some enterprises are managing to export even today in this
chaotic business situation. This proves that if the entrepreneurs remain quality
conscious; the international market will be available. Nabil Bank must not
hesitate to consider the chances of the product to reach international markets.
5) Retail Loan / Consumer Financing: In developed countries 40 to 50 percent of
lending portfolio of banks consists of consumer financing but it occupies less
than 10 percent in the Nepalese context. Nabil has recently focused on consumer
financing. For exposure based income, this sector can prove to be a backbone of
Nabil.
6) Remittance Business: The fact that more than Rs. 100 billion is entering our
country has enticed all the banks, including Nabil, to venture in this sector. With
all the means of Nabil, a larger network can be made to extend the service.
5.1.4 Threats
1) Nabil bank needs to recognize the need to establish closer ties with its customers
in order to prevent them walking away to the financial service suppliers offering
lower interest rates on loan or mortgage. The bank has introduced centralization
policy of various departments. This brings a distance between the customer and
the bank.
2) The banks existence will be counted on the ability to deliver the right product at
the right time through the right channel and right price in this buyer driven
market. Customers are really very demanding nowadays. Hence, Nabils sincere
effort should be to provide maximum benefits in minimum time.
3) Banks like RBB and NBL has a very large network, they gain superiority in
terms of branch network. Hence, time has come for Nabil to decide on for
strategic alliance to be at vantage point in terms of remittance business or else
these banks with larger network can whish the business away from Nabil.
4) The banks diehard approach to chase away the unproductive customers by
raising the entire range of charges can prove to be harmful in this vulnerable
economic situation. Retention of these customers may be more beneficial than to
shed them; for there is always a possibility of converting them to productive
customers by innovation.
5) Competitors are resorting to unhealthy means such as lowering interest rate to
the possible extent. This can affect Nabils profitability in the coming days.
6) Countrys political situation is fluctuating frequently; this type of volatility and
bring down many more industries, which will expose banks to high risk.
7) Some directives of NRB regarding Loan Depreciation Provision and Blacklisting
are not in commensuration with the present prevailing situation. After
downgrading a particular unit or individual, other sister concerns or related firms
having 10 percent share holding by the individual or unit, requires to be
downgraded as well despite having sound financial health. In this situation,
banks must maintain Loan Loss Provision equally for all the firms also. This not
only decreases the profitability of the bank but unnecessarily inflates the NPA
very high.
8) The directed credit program of Nepal Rastra Bank has compelled the banks to
disburse in Priority and Deprived Sector a certain percent of LDO (4% in
Priority and 3% in Deprived) without any willingness on the part of commercial
banks. Such forceful imposition cannot bear any desired fruit intended by NRB
as commercial banks seem eager to pay penalty instead of venturing in Priority
Sector due to the fear of loosing the entire exposure. So, such requirements do
not seem to be appropriate with the current national and international market
situation.
9) In one hand, NRB encouraged commercial banks for investments in share capital
of Rural Development Banks, Rural Micro Finance Development Center and
other Development Banks, which were established with an objective to extend
credit to deprived sector under the directive credit program; but on the other
hand, banks were instructed to dispose off all investments in the share capital of
other financial institutes within Ashad 2061. The banks failing to sell their share
were required to maintain 100 percent provision on such amounts invested in
others share capital. This hampers the banks profitability.
10) The present inflation rate is 8.5 percent and the interest rate in savings is
approximately 3.5 percent, which is lower than the inflation rate. This
discourages savings in one side and encourages people to spend or deposit their
money across the border. In the long run, this can invite long term harm to the
bank.

Now, after analyzing the overall SWOT of Nabil bank, we can see that the external
environment of full of investment opportunities. Nepal is a developing country and
as like any other developing country, it is also going through various development
processes like infrastructure development such as development of road, buildings,
bridges, and etc. energy source development such as Hydro-electricity generation by
constructing dams, electricity generation by Windmills, etc. Nabil is one of the top
banks in the country having huge capital and huge deposits. So, Nabil is definitely
capable of investing in such sectors.
There is one more advantage for Nepalese banks. In past, few business houses, who
issued shares to public, committed fraud and manipulated public money. So,
nowadays public is very cautious while investing on such business houses. Public
would rather deposit their money in banks than invest on any business houses. This
has forced business houses to borrow loan from banks.
Therefore, it is very clear that Nabil has ample opportunities to invest upon and
plenty of strength to fight off any threats and capitalize on the available
opportunities. Based upon the above SWOT analysis, we can draw conclusion that
Nabil bank has abundant growth opportunity and sufficient strength to carry itself
forward on the path of growth.
5.2 Analysis of Organizational Performance Indicators
We can analyze performance of an organization in a variety of ways however I will
use only few of the possible alternatives. Such alternatives are
Analysis of No. of Staffs
Non-performing Credit
Capital Fund
Deposit, Loans & Advances
Profit After Tax
5.2.1 Analyzing No. of Staffs
Whether an organization is expanding or shrinking is also reflected by the number of
employees working there. Number of staff usually increases in a growing
organization. Total number of staff working in Nabil bank is shown in the graph
below.
388
382
326
372
426
200
250
300
350
400
450
N
o
.

o
f

S
t
a
f
f
00/01 01/02 02/03 03/04 04/05
Fiscal Year
Total Staff
Total Staff

Chart 1: No. of Staffs
The number of staff during the fiscal year 2000/2001 was 388. The number
decreased to 326 in the fiscal year 2002/2003. But after the fiscal year 2002/2003,
the bank was able to increase its employees up to 372 in fiscal year 2003/2004 and
426 in fiscal year 2004/2005. This usually shows that the bank is requiring more
number of staff every year to support its operations. The obvious reason might be
that the bank is introducing new types of products such as Nabil Bachat, GMAT,
TOEFL processing fee, home loans, education loan, etc.
5.2.2 Non performing Credit
Credit or loans that a bank provides can be usually divided into following types.
5.2.3 Pass Loan
Loans and advances whose principal amount is not past due and past due for a
period up to 3 months fall in the pass loans.
5.2.4 Sub-standard Loan
All loans expired by 3 months but which has not crossed 6 months fall in this
category.
5.2.5 Doubtful
All loans expired by 6 months but which has not crossed 1 year fall in this category.
5.2.6 Loss
All loans expired by 1 year as well as advances which have thin possibility of
recovery is also included in this category.
The pass loans are also called Performing Loans whereas loans that fall in sub-
standard, doubtful and loss are called non-performing loans. So the position of non
performing loans provided by the bank also shows its performance in terms of
whether the bank was able to recover its loans and advances. The position of non-
performing credit of Nabil Bank is shown in the graph below.
The graph shows that the percentage of non-performing credit in the total credit is
decreasing. During the fiscal year 2000/20001 percentage of non-performing credit
in the total credit is around 16%. The bank was able to decrease this percentage to
around 7% in the fiscal year 2001/2002. In the same way Nabil Bank was able to
decrease this percentage to around 1% in the year 2004/2005. This shows that the
bank has been able to distinguish good loans and bad loans. It can be also inferred
that Nabil Bank provides credit only after in depth analysis of borrowers. In
addition, the graph below also reflects that the bank has been able to recover the
loans and advances that it has provided to its borrowers.
0
2
4
6
8
10
12
14
16
18
00/01 01/02 02/03 03/04 04/05
Fiscal Year
N
o
n
-
p
e
r
f
o
r
m
i
n
g

C
r
e
d
i
t
/
T
o
t
a
l

C
r
e
d
i
t

(
%
)

Chart 2: Non Performing Credit / Total Credit
5.2.7 Capital Fund
The Core capital of the Bank stands at Rs. 1.61 billion and total capital fund
including Supplementary capital of Rs. 0.16 billion stands at Rs.1.77 billion as on 15
J uly 2005, on of the highest in the domestic banking sector. This capital base reflects
the Banks sound financial stability. The capital adequacy ratio of 11.35% (Core
capital) and 12.44% (Total Capital) exceeds the statutory requirement by 5.58% and
1.44% respectively. The Bank has also started taking initiative in implementing the
Basel II standards.
The following graph depicts the growth of the Banks capital over the past 4 years.
The graph shows that the bank was able to increase its core capital in the past 4
years whereas the supplementary capital shows decreasing trend.
Capital Fund
1112
1277
1439
1611
353
178
170
156
2002 2003 2004 2005
Year
R
s
.

(

I
n

M
i
l
l
i
o
n
s
)
core capital supplementary capital

Chart 3: Capital Fund
5.2.8 Deposits, Loan & Advances
The graph below shows the trend of deposits and loan & advances of Nabil Bank.
15839
15506
13448
14119
14587
8324
7802
8114
8549
10947
2001
2002
2003
2004
2005
A
s

a
t

M
i
d

J
u
l
y
Gross Loan & Advances Deposits

Chart 4: Deposits, Loans & Advances
The graph shows that the amount of deposits has been increasing in the past three
years. In addition the bank has been also able to increase loans and advances in the
past three years which reflects the sound performance of Nabil Bank.
According to the annual report of 2004/05 of the bank, it focused on soliciting low
cost deposits and at the same time, selectively shedding unprofitable high cost
deposits. The Bank increased its interest free deposits by Rs. 127 million (4.23%)
increasing market share to 8.39% from the previous years 8.26%. The bank reduced
the high cost deposits by Rs. 692 million. As a result, the Bank reduced the cost of
deposits to 1.60% from 1.94% from the previous year. The Banks interest cost on
total deposits and borrowing reduced to 1.64% from 1.99% of the previous year. On
the asset side, the Bank has grown its gross loan by Rs. 2.4 billion thereby
increasing market share to 6.69% from 6.17% from the previous year.
5.2.9 Profit after Tax
Profit after Tax
276
252
416
455
519
0
200
400
600
2000/01 2001/02 2002/03 2003/04 2004/05
Fiscal Year
R
s
.

(
I
n

m
i
l
l
i
o
n
)
Profit after Tax

Chart 5: Profit After Tax
The Bank recorded the profit after tax of Rs. 518.6 million in year 2004/05, a growth
of 13.90% compared to the previous years Rs. 455.3 million. This is an impressive
growth when compared to the countrys estimated overall growth of 2%. Banks
return on average assets and return on equity is 3.06% and 35% respectively in FY
2004/05. These ratios are above international standard and one of the highest in the
domestic industry.
Now, on the basis of all above analysis it is safe to say that Nabil Bank is in the
growing trend and future of Nabil bank seems bright indeed.
22
Section B

Specific Study
of the
Function
(J ob Assigned)
Section B: Specific Study of the Function (J ob Assigned) 23
6. Introduction to the Job Performed
Nabil Bank is one of the biggest banks in Nepal. It has a very organized structure of
work flow design and staffs adequate number of employees to effectively and
smoothly continue its operation. As interns, I could only just assist Nabil employees.
I didnt have adequate amount of knowledge to really be of any assist to them. Even
in that situation Nabil employees were very cordial and supportive. They believed in
our abilities and demonstrated their confidence by letting us do some of very
sensitive and important works. Such activities shall be explained below.
The main drawback in my internship period was that I didnt have the opportunity to
rotate through various departments. I spent whole of my internship in Credit
Administration and Support (CAS) only. This meant I could not gain any practical
and real life knowledge about the activities of other departments of bank. But this
wasnt totally a bad thing because it allowed me to gain a more in depth knowledge
on the activities of CAS department of Nabil Bank. Actually, this is much better
than gaining superficial knowledge on various departments.
7. Function, Responsibility and Working System of CAS
Probably, CAS is the most important department for Nabil Bank. Activities carried
out CAS usually determine the future stability and safety of bank. This is because as
every bank, Nabil also earns its revenue from loan interest. In this context, if bank
loans to every Tom, Dick & Harry and if bank cannot recover the loan amount then
whole existence of bank will be in question. CAS studies about the pay back
capacity of its borrower and then decides if the borrower is worthy to be granted the
loan or not. Genuine borrower are source of revenue where as defaulter are source of
loss to bank. CAS tries to differentiate between such genuine borrowers and
defaulter by studying their financial status.
Any mistake by CAS could be detrimental to Nabil Bank. If CAS labels a probable
fraud, whose main intention is to trick and deceive bank, as a genuine borrower then
bank is in risk of suffering a loss. On the other hand, if CAS categorizes a genuine
borrower as a probable defaulter, then bank losses an opportunity to earn revenue. In
any case, a simple mistake by CAS is directly reflected in Financial Statement of
Bank.
Anybody who wishes to borrower loan first has to communicate with either with
Business Bank or Privilege Bank department of Nabil Bank. Such department
analyzes the proposal and if it considers the proposal to be a viable one then it
collects required documents and forwards them to CAS.

Figure 3: Loan disbursement & Recovery
Main activities of CAS start when it receives documents from Business/Privilege
bank department. CAS evaluates such documents checks reliability of such
documents and makes sure that all required documents are obtained. CAS, if finds
the proposal to be feasible, then sets a limit of the maximum loan amount and then
forwards it to Loan department of Nabil Bank. Loan Department grants approval for
loan there after a current account of the borrower is opened from where borrower
can withdraw required amount.
CAS maintains all the documents related to its customers and continuously updates
such records. CAS frequently conducts investigation to ensure the correct utilization
of the loan amount. During such investigation, it also checks conditions of
mortgaged or hypothecated property. If CAS finds use of loaned amount in activities
other than specified in their agreement then it disqualifies the borrower and heads
for the process of recovery.
Recovery is the difficult part of the lending process. Some customers may turn out to
be defaulters. In such condition, bank has on other option than to claim its
ownership over the collateral mortgaged. Therefore, bank is very careful while
granting loan so that it doesnt have to face the threat of Non Performing Loan1.

1
Loans and Advances whose principal amount are not past due or past due for a period of up to 3
months fall in the category of Performing Loan and those above 3 months past due fall in category of
Non Performing Loan.
Loan Application Interview Site Visit Credit Analysis
Documentation Loan Committee Loan Approval
Document
Analysis
Disbursement Monitor & Evaluation Recovery
8. Job Assigned during Internship
During my internship period I was assigned with various types of jobs. My major
responsibilities, as an intern in Nabil bank, included:
Maintaining & Updating CIS (Credit Information System) records
Ensuring proper documentation against various types of Loans
Using Check list approach for documentation
Filling up Account Maintenance Input
Updating of Various Documents & Databases
Assisting In-house employees in day to day activities
8.1 Credit Information Bureau
Credit information Bureau (CIB) is an autonomous body that maintains the records
of the borrowers of the financial institutions, i.e., commercial banks, development
banks, finance companies and cooperatives. It maintains creditors records which
usually consist of the information about the borrower who may be individual or
organization, the ownership structure of the borrower, its sister concerns, undivided
family members, the authorized person, guarantor of such borrower and the
information about the security kept as collateral or pledge by borrower. The
information about borrowers provided by CIB mainly helps the financial institutions
analyze the creditworthiness of borrower. The financial institution can confirm
whether their borrowers or its sister concerns have borrowed loan from other
financial institutions. CIB information also helps them to verify that the same
security has not been pledged in different financial institutions to borrow loan from
them. In addition, it also helps the financial institutions to maintain One Obligor
Group Policy as directed by Nepal Rastra Bank (NRB). An obligor group usually
consists of borrower organization and its sister concerns, if any. In addition, it also
consists of organizations established by family members of proprietor of the
borrower organization. One obligor policy defines the limit up to which obligor
group is entitled to borrow loan from financial institutions
In order to keep the records of borrowers of financial institutions, CIB has
developed an electronic database that is shared with all financial institutions through
the Virtual Private Network2 (VPN). The financial institutions are required to fill the
database of the CIB. Usually, they are required to submit information of the
borrower within 15 days of loan disbursement.
One of the most important jobs responsibilities for interns was maintaining and
updating CIB information on the provided database. The database provided by CIB
is called Credit Information System.

Figure 4: Credit Information System
Credit information system or CIS contains 7 different sheets requiring different
information. Those 7 sheets are:
1) Borrower
2) Entity
3) Concern
4) Undivided Family
5) Authorized Person
6) Guarantor
7) Securities

2
A Virtual Private Network is a secure network that uses the internet as its main backbone network,
but relies on the firewalls and other security features of its internet and intranet connections and those
of participating organizations.
A firewall, usually a router or a dedicated server, serves as a gate keeper system that protects a
companies intranet and other computer networks form intrusion by providing a filter and safe
transfer point for access to an from the internet and other networks.
1) Borrower
Any body borrowing loan from bank is called borrower. Borrower can be a person
or organization. The main intention of this sheet is to gather as much information
about borrower as possible. This information is the most significant information CIS
contains.
A large number of people are borrowing loan from financial institutions. Quite,
often a lot of people have similar name. Often there will be more than one borrower
with same name. This could lead to confusion so, CIB need to treat each individual
borrower as a separate entity. CIS has come over this problem by assigning each
borrower with a separate code number.
This sheet contains information such as
Loan Sanction Date
Name of Borrower, if it is an organization, type of the organization, e.g. Sole
trading, Partnership, Company, etc.

Figure 5: Borrower Information
Nature of Business, e.g. Manufacturing, Service, Trading, etc.
Address of Borrowers
In case of an individual borrower: Name of Father, Grand-Father, Spouse,
Citizenship No., its Issuance Date, and District.
In case borrower is an organization: Firm Registration No., Date of Issuance,
and District.
The Borrower information sheet contains information about borrower only but CIB
and other Financial Institutions usually need more information. CIS has other sheets
to cater to such different informational need. Next sheet CIS contains is Entity.
2) Entity
Most of the clients borrowing loan from banks are business enterprises. A business
enterprise may be owned by a single owner or it could be a partnership firm or it
could even be a company. This sheet mainly defines the ownership structure of the
borrower.
This sheet provides detailed information about the owners of such enterprise. The
provided information mainly consists of:
Name of Share Holders, their positions and share percentage.
Their Address

Figure 6: Entity Information Sheet
Their Citizenship Registration No., Issuance Date, and District.
Name of their Father, Grand-Father, Spouse.
Borrowing Clients can also be individuals borrowing to acquire a house,
automobiles, and for different other purposes. In such case, individuals information
is feed into the sheet.
3) Concern
Many business enterprise clients have sister concerns which are owned by relatives
of the owner of the borrowing firm. Such sister concerns could already have
borrowed loan from financial institutions. As per NRB directive, One Obligor Group
Policy, an organization along with its sister concerns are allowed to borrow only a
certain limit of fund. So, information about such sister concern is very important
form legal framework.
The Concern sheet is CIS provides information about sister concerns thus making
it easier to prevent organizations and their sister concerns from crossing that limit.
This sheet contains information such as:
Name of Sister Concern(s)

Figure 7: Concern Information Sheet
Address
Ownership structure (Share Percentage)
Entity Structure
4) Undivided Family
As per NRB directive, One Obligor Group Policy, family members are also
restricted from borrowing loan beyond the assigned limit, especially if the family is
undivided.
CIS has a whole sheet dedicated for this type of information. The sheet Undivided
Family serves for exact this purpose. In this sheet, information about all the
members of the undivided family is mentioned.
This sheet contains information such as:
Name of the family member
Address

Figure 8: Undivided Family Information Sheet
Relation with borrower or client.
Normally this information is overlooked but this does not mean that this information
is not important.
5) Authorized Person
Usually when loan is sanctioned bank does not disburse whole amount to client at
once. Instead, bank opens an account for borrower from which it can withdraw
amount as and when required. For this function, borrower assigns one or more
person as authorized person. Only authorized persons signature is valid for
withdrawal. This sheet of CIS contains information about authorized person(s).
Information is presented in following format:
Name of the Authorized person(s)
Their Address

Figure 9: Authorized Person Information Sheet
6) Guarantor
Banks in our country are still inculcated with conservative style of operation. They
always want to be in the safe side. In addition to other securities such mortgaged
properties and collaterals, they also demand for guarantor. Guarantor is a person
who pledges to fulfill somebody elses obligation should that person fail to do so.
Guarantors are those persons who provide assurance to bank that in case of default
of the borrower(s), they could be held responsible for compensating the loan
amount.
So, information of such guarantors is of vital importance to bank. They always try to
collect as much information about the guarantor as possible. Information such as the
financial condition of the guarantor, type of career, ability to pay the borrowed
amount back, etc is also checked.
This sheet of CIS stores information about such guarantor(s) in following format:
Name of the Guarantor(s)
Their Address

Figure 10: Guarantor Information Sheet
7) Security
The last and the most important sheet CIS carries is this sheet bearing information
about securities. Securities are properties that bank can claim in case borrowers
default on its obligation. Securities are measures taken as a precaution against
deceive or sabotage. Bank may hold security in various forms such as mortgaged
land or building or both, hypothecation3, pledge4, etc.
This sheet contains a lot of information. This information is segregated in two
different sections. The first section is dedicated for details about security.
Information is presented as:
Type of Security
Value of Security
Pledged date
Owners name
Plot no.
Location
The second section lays out information about valuator. Valuators are specialists
who have the required skill to evaluate the authentic market value of pledged
security. E.g. Civil Engineers are suitable valuators if the security is land, building,
etc; Mechanical Engineers are suitable valuator if security is automobiles. Though
indirectly, valuator play an important role in recovery of borrowed amount. So,
information about valuator is stored as:
Type of the valuator
Name of the valuator(s)
Their Address
Their Citizenship Registration No.

3
Hypothecation is nothing than an extended idea of pledge. Hypothecation is the act in which
properties or goods are pledged for an amount of debt but neither ownership nor possession of
property is passed to the creditor (bank).
4
Pledge is an act of mortgaging some property as a security for borrowing loan or for performing a
promise.

Figure 11: Security Information Sheet
8.2 Ensuring proper documentation against the various types of
loans
When loans and advances are provided to the customers, various types of documents
are executed as a safeguard measure in case the customer fails to repay the loan
amount or the interest on due date. There are various types of documents which
serve different purposes and are mainly categorized into two type namely standard
documents and non standard documents. The documents and their purposes are
given below:
8.2.1 Standard Documents
Standard documents are pre-printed forms, which are obtained by the bank from all
its borrowing customers and needs filling the details on the blank.
8.2.1.1 Promissory Note
This is a document containing a promise signed by the borrower to pay the amount
of loan when demanded by the bank along with interest at specified rate.
8.2.1.2 Sanction Letter (Letter of Agreement)
It is a letter issued to the customer mentioning all lines of credit along with terms
and conditions with interest rates, charges, commissions, margin etc. It evidences
Customers acknowledgement of being advised lines of credit and execution of
documents and additionally acknowledges the authority of the bank to cancel any or
all credit lines along with the undertaking to pay outstanding balances, interest and
charges till the time of credit cancellation.
8.2.1.3 Assignment of Account Receivables
Assignment means transfer of an existing or future right on property or a debt by the
borrower to the banker through which the bank gets authority and right to recover
title and interest from borrowers debtors. This document also denotes the
borrowers acceptance not to sell, transfer title or rights of such bills and accounts
receivables to any other parties.
8.2.1.4 Power of Attorney
This document is a sequel to the document Assignment of Account Receivables.
The borrower appoints the bank as the attorney for the specified facility and assigns
the bank the right to collect fund due to the borrower by any of its debtors through
this document.
8.2.1.5 Letter of Continuity
Through this document through which the borrower declares that the property given
as a security will continue to secure the advance which may create or fluctuate by
way of debit of account from time to time.
8.2.1.6 General Letter of Hypothecation
This document specifically declares the banks equitable charge on the security. In
other words it is an agreement by the borrower permitting the bank to sell or seize
the collateral (inventories, fixed assets) pledged to secure the loan, in case of failure
to honor their obligations at maturity.
8.2.1.7 Supplementary Agreements
The securities pledged to the bank are specified in this document and it forms the
integral part of the letter of hypothecation.
8.2.1.8 Subordination Agreement
A third party who has provided loan to the borrowing unit executes this document. If
the borrower has obtained funding from other parties besides the bank (directors
loan, its subsidiary firms, other institution like bank/ finance companies), it is an
undertaking from such third party lenders to the lending bank not to collect or
enforce an indebtedness on the borrower till lending banks loan is fully paid. Bank
must execute this agreement to create prior claim over the creditor.
8.2.1.9 General Letter of Trust Receipt
General Letter of Trust Receipt is an acknowledgement of receipt of the document
by the client and permits the bank to maintain a legal lien over the goods covered by
the Bill of Lading under the condition that the bank could legally take possession of
the goods and the proceeds of the sale if the account party does not repay the bank.
8.2.1.10 Letter of Guarantee
Directors, president or a person related to the company who has high reputation and
financial standing in the market is asked to execute this document as an additional
security to oblige towards the banks loan.
When advances are made on hypothecation basis, banks normally demand a
guarantee from the family member of the borrower and if it is a company, from its
directors and other parties with substantial means.
A personal guarantee is taken as a secondary security. It is in fact a contract to
perform the promise or discharge the liability of a third person in case of his default.
Guarantee can be categorized into specific guarantee (where only a single
transaction is covered) and continuing guarantee (which covers a series of
transactions). A continuing guarantee secures the loan though the amount may
fluctuate from time to time.
8.2.1.11 Cross Guarantee
A Cross guarantee is taken as a secondary security. It is a contract to perform the
promise or discharge the liability of a sister concern in case of the firms default.
Normally when there is a group lending and there is the possibility of facility being
interchanged by sister concerns, in such situation it would be advisable to take cross
guarantee of sister concerns.
8.2.1.12 Letter of Indemnity
An indemnity letter is a promise made by one party to save the other from any losses
due to his own conduct or by the conduct of someone else.
8.2.1.13 Wealth Statement
Wealth statement is a document mentioning the entire property details of the
personal guarantors. It is obtained to examine the financial strength of individual
who provides personal guarantee against banks loan.
8.2.1.14 General Counter Guarantee
When a customer is provided credit facility for issuance of guarantee or indemnity,
through this document the customer undertakes to indemnify and keep the bank
harmless from any liability arising thereof and authorize the bank to debit their
account or undertake to reimburse any amount the bank has paid or may incur
against the guarantee issued on their behalf.
8.2.1.15 Letter of Set off
The bank at times gives funding against pledge of instruments such as Time
Deposits, National Savings Bond or by holding fund in Provident Fund account or
FCY account. Through these documents the customer assigns the right to the bank to
liquidate and settle its dues from proceeds of the pledged instrument or such held
amount in case the borrower does not pay his/her obligation on the due date.
8.2.1.16 Bill Purchase Agreement
The bank purchase/discounts/negotiates or provides advance money to its customers
against negotiable instruments. Through this document the customer undertakes to
indemnify the bank against all cost and charges incurred in connection with the said
transaction and repayment of full amount so forwarded along with other incurred
cost in case of dishonor.
8.2.2 Non Standard Documents
These are documents which are generally prepared as per the requirement of the
bank incorporating details of all credits being forwarded by it to the customer and
indicates of securities through which it will cover itself in case of dishonor by the
customer.
8.2.2.1 Loan Deed
This is a non registered security document executed by the borrower giving evidence
of its acceptance of the bank loan sanctioned. It establishes the borrowers
acceptance to pay interest, charges and commission against the facilities it shall avail
from the bank. The details of the facilities including loan amount, rate of interest,
charges to be paid, and the time for loan repayment are all given. The details of
additional collateral secured to the bank are also clearly stated in this document.
8.2.2.2 Mortgage Deed
The instrument by which the transfer of an interest in specific immovable property
for the security of money advanced is called mortgage deed. This is a registered
document and executed at the land revenue office in favor of the bank.
The banks legal department or the legal advisor drafts mortgage deed. The
document clearly mentions the terms and conditions on which the money is being
advanced or the credit facility is being provided. It mentions the mortgagor,
mortgagee, the borrowing unit, the amount and type of facility offered by the bank,
also the coverage that the deed gives in case of additional loan provided to the
borrower in the future. Mortgage deed is registered at the land revenue office and
must be attested by at least two witnesses.
8.2.2.3 Pari Passu Charge
The term is usually used in the case of consortium lending. In consortium lending, a
number of banks or financial institutions join hands together to lend to a single
borrower in an agreed ratio, against some common securities. The securities are
charged to all the participating banks with or without any reference like first charge
or second charge.
8.2.2.4 Board Resolution of Borrower
Every private or public limited company must be first authorized by its board for
establishing borrowing relationship with the bank and through this paper normally
also appoints officials who are authorized to negotiate with the bank and for
operation of the sanctioned loan. For all companies without a Board Resolution to
Borrow other legal documents cannot be enforced for any loan recovery by a bank.
A certified copy of resolution passed at a meeting of the board of directors of the
company, authorizing the advance, stating the terms and conditions thereof, such as
limit, security, margin, rate of interest etc. should be obtained. The resolution should
also state the names of the directors, managing directors or officers who are
authorized to execute the documents on behalf of the company. It is only when the
documents are executed on behalf of the company in terms of the resolution that the
company is bound thereby.
8.3 Check List approach to Documentation
All above mentioned documents are not required for all types of loans. Depending
on the types of loans, different set of documents are kept. Documents required for
various types of loans are as follows.
8.3.1 Letter of Credit
Letter of Credit means a letter written by one bank of financial institution to another
bank or financial institution authorizing the latter to accept cheques, drafts, or bills
of exchange of any specified person within the limit of amount specified therein.
The documents required for LC is as follows:
1) LC application (Bi. Bi. Ni.3) signed by authorized signatory duly signed.
8.3.2 Guarantee
The documents required for guarantee are as follows:
1) Guarantee Application
2) General Counter Guarantee
8.3.3 Term Loan
Bankers lend some portion of fund for fairly long period of time to industries and
agriculture against the security of fixed assets. Term loan are normally given for the
purchase of assets. Thus this type of loan is paid in installments ranging from 2
years to 15 years.
The documents required for term loan are as follows:
1) Promissory Note
2) Mortgage Deed
3) Insurance for Fixed Assets
4) General Letter of Hypothecation with Supplementary Agreement
8.3.4 Trust Receipt Loan
Trust Receipt Loan is provided to importers against the import LC established by the
bank to make payment for the goods arrived through the LC. Each TR loan is treated
as a specific time loan having maturity date, i.e. 30, 60, 90 days.
The documents required for TR loan are as follows:
1) General Letter of Trust Receipt
2) Promissory Note
8.3.5 Overdraft/ Demand Loan/ Time Loan
In case of overdraft, a limit is assigned in the current account of customers up to
which customer can withdraw from his account. An overdraft account is fluctuating
type of account and therefore, the customer can deposit when he has money and
withdraw when he required. The customers can withdraw and deposit as many times
as he desires provided the total debit amount does not exceed the credit limit
assigned.
Demand loan is working loan provided not more than a year. It is revolving type of
loan, which once is settled is reinstated by the settled amount. This means customers
can settle and withdraw as many times as he pleases within the expiry period of the
loan.
Time loan is also working capital loan given for the period of less than one year and
has fixed maturity period. Time loan can be one time specific (the borrower is not
allowed to withdraw once settled) and revolving (once the loan is settled further
drawing is allowed within the validity of the limit).
The documents required for above mentioned loan are as follows:
1) Promissory Note
2) General Letter of Hypothecation with Supplementary Agreement
3) Assignment of Account Receivables with Power of Attorney
4) Insurance of stocks covering various risks
Other additional documents required for all types of limit are as follows:
1) Letter of Continuity
2) Board Resolution of Borrower ( Only for Pvt. Ltd. and Pubic Ltd.
Companies)
3) Loan Deed
4) Insurance of Fixed Assets (mortgage property) covering various risks such as
Earthquake, Lightening, Fire, Burglary, etc.
5) Mortgage Deed for additional collateral
6) Letter of Agreement or sanction letter
7) Subordination Agreement
8) Personal Guarantee of Directors or Cross Guarantee of Sister Concerns.
8.4 Account Maintenance Input
One of the functions of the credit administration and Support (CAS) department is to
limit of the maximum amount that the borrower can withdraw from the bank. A
borrower can withdraw amount from the account only after the CAS and loan
department sets the limit of the maximum amount that the borrower can withdraw in
its electronic database Finacle Core. Account Maintenance Slip is mainly filled by
this department to maintain records of the limits of the borrowers that it has entered
into Finacle Core.
Account Maintenance Input slip mainly consists of information like type of the limit
such as overdraft facility, term loan, etc, amount of such limit and expiry date of
such limit. This slip after being filled and approved by the incharge or head of the
department is kept in the files so that it can be referred in future easily. The
information of such slip is entered into Finacle Core by one of the staff of the
department. So, one of the responsibilities given by the department during the
internship period is to fill Account Maintenance Slip.

Figure 12: Account Maintenance Input
8.5 Updating of Various documents
One of the regular activities, I carried out, as an intern, was constant updating of
various documents that were maintained by CAS. List of Borrowers, Valuation
record of collateral (mortgaged properties), etc are among few document databases
maintained by CAS. I was given the responsibility to update them and also verify
the whole database from top to bottom. Such documents were:
Valuation Records
Insurance Coverage Records
List of Borrowers
8.5.1 Valuation Records
Valuation records table is a database containing details about the mortgaged
collateral. It contains information such as owner of the property, type and location of
collateral, its fair market and distress value, name of the valuator and valuation date,
etc.
S.N
o
Client
Property
Owner
Location
Plot
No.
Type of
Collateral
Distress
Value
Fair Market
Value
Valuator
Valuation
Date
Remark
1 XYZ Co. Ltd. Mr. ABC Maru 150 Land 1,000,000 1,500,000 Er. MNO 8/6/2006
Building 1,500,000 1,500,000
Total 2,500,000 3,000,000

Figure 13: Valuation Records
Valuation records table is especially useful to keep track of the distress value of the
mortgaged property. Distress value is a government allotted rate which is discounted
than fair market rate. Even when property has to be hurriedly sold, usually the
distress value can be recovered. So, Bank can rest assured that even when borrower
goes default, bank can at least recover the distress value of the collateral. Such
recovery usually takes place by auctioning the mortgaged property.
8.5.2 Insurance Coverage Records
In order to be in a safer side, bank demands its borrower to insure the mortgaged
collateral. Customers are also required to continuously update its insurance
coverage. Apart from mortgaged collateral, customers of auto-loan or other types of
financing are also required to insure the financed property. Hypothecated stocks or
working capitals are also needed to be insured and all such insurance are needed to
be updated periodically. Bank also keep a close watch on expiry date of all such
assets and reminds its customer to renew such coverage by paying its insurance
premium. Insurance coverage record comes in handy in these cases.
S.
No
Client Name Insurance Coverage
Insured
Property
Insured
Amount
Expiry Date
Relationship
Officer
Remark
1 XYZ Co. Ltd
Earthquake, Riot,
Fire
Building 2,000,000 12/1/2007 Mr. NBL

Figure 14: Insurance Coverage Records
Insurance coverage record is a file containing information about the type of insured
property, type of insurance coverage, insured amount and insurance expiry date.
Initially, CAS staff sorted the list and then found out about those policies which had
expired or are about expire in a months time. Later, I automated it so that they dont
have to keep sorting and differentiating. All they needed do was just press a button
and the record was automatically separated into two different groups one
containing information about only the expired policies, another group showed
policies which were about to expire in a months time.
Insurance coverage records are useful to check expiry date of insurance policy and
also to ensure all types of securities have adequate insurance coverage.
8.5.3 List of Borrowers
List of borrowers is another type of database that CAS staffs use to store information
about its clients. It is a database containing information about the borrowing firms,
its owners, their entity structure, share percentage, and names of their father, grand
father, and spouse.
S.
No
Name of
Borrower
Name of
Owner
Entity
Structure
Share
%
Father's
Name
Grand
Father's
Name
Spouse's
Name
Remark
1 XYZ Co. Ltd. Mr. ABC Director 75 Mr. AAC Mr. AAA Mrs. ABB
Mr. MNO Director 25 Mr. MMO Mr. MMM Mrs. MNN

Figure 15: List of Borrowers
Nabil had a decentralized approach in its day to day bank activities, i.e. each branch
had the authority to evaluate loan proposals and decide for or against the proposal.
This was instrumental in reducing time for processing of loan but this approach has
its disadvantages too. The processing cost was marginally high, corporate office of
Nabil bank had less control upon the processes of its branches. So, now Nabil bank
has adopted centralization through various Kathmandu based branches. Nabil
corporate office attempts to gain the advantages of centralization as well as that of
decentralization by dividing its major functions across different branches. This
implies each branch will have the centralized authority of a specific function and
functions will be decentralized through various branches. In this course, Kantipath
branch got the authority of loan processing, like wise National processing unit was
established in Maharajgunj branch.
In this context, Nabil bank was trying to consolidate all the information collected
from all branches across whole country. CAS assigned me to consolidate all such
information and verify each and every one of such information by going through
each clients file.
In order to keep track of defaulters, Credit departments of various banks regularly
distribute a list of borrowers to all other banks. Such banks check that list and
forward related information. Related information could be like mentioned borrower
has also borrowed loan from this bank. I provided this type of information sought by
other banks.
Apart form all above mentioned major responsibilities; I also assisted CAS
personnel in their day to day activities as well.
45
Section C

Internship
Program
Feedback
Section C: Internship Program Feedback 46
9. Internship Program Feedback
9.1 To what extent was the knowledge you had acquired in the course relevant
and useful to you in the context of the job or function you placed in?
Every body gradually acquires knowledge, from various sources, through the
passage of time. One of the major sources is the educational institutions he/she is
enrolled to. Everybody tries to use such acquired knowledge in every possible
contexts. Nothing was different in my case as well. I was able to use many aspects
of my course acquired knowledge for successful completion of the assigned jobs and
duties during my internship period.
Computer related knowledge was the most useful skill for all. It helped me to
automate a variety of complex series of tasks which the bank personnel considered
tedious and time consuming.
Knowledge gained from our core subjects like Management, Finance, Human
Resource Management, Account, Marketing, etc. has helped me understand various
technical terminologies (jargons) and duty related fundamental issues. Subjects like
Human Resource Management, Organizational Behavior, etc. have also influenced
my behavior while approaching any client or senior officers.
9.2 What were the components of the job you were very comfortable with?
I was assigned to Credit Administration and Support (CAS) department of Nabil
Bank where my major responsibility was to verify and update various records and
occasional report generation. I was very much comfortable with all such
responsibilities. I was equally at ease to adapt to the working environment and the
reporting relationships which invariably made me feel that I was a part of that
organization.
9.3 What components of the job were difficult to perform and new to you?
Practical way of doing things is very different from theoretical knowledge one can
gain from college lecture. When I really took my first steps in the practical job life, I
was bewildered by the difference. After going through the early hiccups of learning
curve, I did not find any difficult component in the assigned duties and
responsibilities.
Section C: Internship Program Feedback 47
9.4 What were the practical learning experiences for you from this program?
The internship program provided me the insight of the practical working
environment. I was able to relate the theoretical knowledge gained from college,
with the assigned work within the organization. It also provided the platform to
understand concepts of different managerial aspects; such as working conditions,
hierarchy of authority, delegation of responsibilities, functions at different hierarchy
and their importance, etc.
9.5 What improvements do you suggest in the course contents and their
teaching, and the internship program itself?
The first and foremost problem a fresh intern faces is the adaptation to the working
environment. I believe almost all interns will have to spend at least two weeks to
know the style of operation the organization follows. Interns have to start their
duties and responsibilities, even before they actually grasp the above knowledge.
This leads to depleted performance from the intern.
My suggestion to our college is to conduct a small training course and few lectures
defining the overview of the possible organization. This will prepare students to
quickly overcome the learning curve difficulties and they will be able to work more
effectively and efficiently from the day one.
Duration of internship program is too short for proper evaluation of the actual
abilities, qualities and attributes of related intern. This invariably results in the
erroneous evaluation of the intern. So, either duration of the internship program
should be increased or, attributes which cannot be judged within 6-8 weeks period
should be eliminated from the evaluation report. Also attributes demanding
subjective judgment should be eliminate as different supervisor are subject to
evaluating same level of attribute at different grades.
Bibliography 48
Bibliography
1) Bhattarai, R. & Bhattarai, M. (2005). Fundamentals of Financial Management:
Theory and Practice. Kathmandu: Buddha Academic Publishers and
Distributors Pvt. Ltd.
2) Chokhal, A. (2005). An Internship Report on Functions of Treasury Department
at Kumari Bank Limited. Unpublished Internship report, Apex College
Library, Pokhara University.
3) Cooper D. R. & Schindler P. S. (2000). Business Research Methods.New Delhi:
Tata McGraw Hill.
4) J ayaram, S. B. T. (2003). An Internship Project at Credit Department of Nepal
Bangladesh Finance and Leasing Company Limited. Unpublished Internship
report, Apex College Library, Pokhara University.
5) Nabil Bank Limited. (2005). 21
st
Annual Report 2004/05. Kathmandu: NBL.
6) Nabil Bank Ltd. [online] (cited 2006 November 15). Available:
<www.nabilbankltd.com>.
7) OBrien, J . A. (2004). Management Information System (6
th
ed). New Delhi:
Tata McGraw Hill Publishing Company Ltd.
8) Rana, P. (2005). An Internship Report of Nepal Investment Bank Ltd.
Unpublished Internship report, Apex College Library, Pokhara University.
9) Shah, M. K. (2006). An Internship Report on Nabil Bank Limited. Unpublished
Internship report, Apex College Library, Pokhara University.
10) Shrestha, M. S. (2006). Fundamentals of Banking. Kathmandu: Buddha
Academic Publishers and Distributors Pvt. Ltd.
11) Wolf H. K. & Pant, P. R. (2005). Social Science Research and Thesis Writing
(4
th
ed). Kathmandu: Buddha Academic Publishers and Distributors Pvt. Ltd.
12) Shrestha, R.P. (2003). Legal Environment of Business (3
rd
ed). Kathmandu:
M.K. Books.
Annexure 49
Annexure
Branches of Nabil Bank
Nabil House, Head Office
Kamaladi, Kathmandu
Tel: 4430425, 4429546-47, 4435380-85
P. O. Box: 3729, Kathmandu
Kantipath Branch
Kantipath, Kathmandu
Tel: 4227181, 4226785-87
Kamaladi Branch
Kamaladi, Kathmandu
Tel:4429546-47
New Road Branch
New Road, Kathmandu
Tel: 4224592, 4224533, 4225420
Jorpati Branch, Kathmandu
J orpati, Kathmandu
Tel: 4470498, 4460569
Lalitpur Branch
Kupondole, Lalitpur
Tel: 5542891, 5520431, 5532189
Birgunj Branch
Adarsh Nagar. Birgunj
Tel: 521476, 521746
P. O. Box: 73, Birgunj
Alau Branch
Alau, Parsa
Tel: 528680
P. O. Box: 73, Birgunj
Biratnagar Branch
Goswara Road, Biratnagar
Tel: 526213, 522752
P. O. Box: 208, Biratnagar
Itahari Branch
Main Road, Itahari
Tel: 580741, 581400
Butwal Branch
Main Road, Butwal
Tel:541059, 542274
P. O. Box: 18, Butwal
Bhalwadi Branch
Bhalwadi, Rupandehi
Tel: 560357, 561357
Pokhara Branch
Chipledhunga, Pokhara
Tel: 520162, 525715, 532951
P. O. Box: 442, Pokhara
Bhairahawa Branch
Narayanpath, Bhairahawa
Tel: 524041
Nepalgunj Branch
Dhamboji, Nepalgunj
Tel: 524221
P. O. Box: 22, Nepalgunj
Lakeside Branch
Lakeside, Pokhara
Tel: 532268, 532269
P. O. Box: 442, Pokhara
Dharan Branch
Mahendra Chowk, Dharan
Tel: 530130
Maharajgunj Branch
Maharajgunj, Kathmandu
Tel: 4720844
Exchange Counter
Tribhuvan International Airport,.
Kathmandu
Tel: 4472278, 4488937
Annexure 50
Management Team
Mr. Anil Shah Chief Executive Officer

Credit
Mr. Amrit Charan Shrestha Country Head Credit
Mr. Krishna Gopal Manandhar Head Credit Operation and Support
Mr. Anil Khanal Head Business Bank, Credit
Ms. Neena Thapa Sr. Analyst, Business Bank Credit
Mr. Yagya Sharma Head Personal Credit

Business Banking
Mr. Deepak Shrestha Senior Relationship Manager
Mr. Dripu Dhoj Adhikary Senior Relationship Manager
Mr. Ramesh Lohani Relationship Manager, Kathmandu
Mr. Gyneshwor Acharya Branch/Relationship Manager, Birgunj
Mrs. Namita Dixit Relationship Manager, Kathmandu
Mr. Krishna Dutta Bhattarai Relationship Manager, Biratnagar
Mr. Babu Ratna Bajracharya Relationship Manager, Butwal
Mr. Sanjay Nepal Relationship Manager, Kathmandu

Privilege Banking
Mrs. Barsha Shrestha Head Privilege Bank
Mr. Deepok Chhetry Relationship Manager
Mr. Bikash Mishra Relationship Manager

Personal Lending
Mrs. Raveena J oshi Head Personal Lending

Card Division
Mr. Binaya Kumar Regmi Head Card Division
Mr. Praveen Raj Pokharel Manager Card Marketing

Treasury & Correspondent Banking
Mrs. Anupama Khunjeli Head Treasury and Correspondent Banking

Annexure 51

Operations
Mr. Rajendra Bahadur Malla Head Operations
Ms. Neelam Tuladhar Head National Processing Centre, Maharajgunj
Mr. Bishnu Acharya Head General Administration
Mr. Mohan Subba Head Central Trade Operations
Mr. Yugesh Lal Bijukche Manager Operations
Mr. Kanhaiya Lal Rajwant Manager Compliance
Mr. Prakash Babu Pant Manager Biratnagar
Mr. Pradeep Mishra Manager Lalitpur
Mr. Saroj Pyakuryal Manager Pokhara
Mrs. Anita Giri Manager Kamaladi
Mr. Shashi Nidhi Tiwari Manager Kantipath
Mr. J yoti K.C Manager New Road

Legal and Company Secretariat
Mr. Binaya Regmi Head Legal & Compliance/Company Secretary

Finance and Planning
Mr. Bhuvan Dahal Head Finance and Planning
Mr. Binay Neupane Manager Finance and Planning

Information Technology
Mr. Prabin Chhetry Head, Information Technology
Mr. Rajesh Upadhyaya Head IT Support
Mr. Basant Dhakhwa Manager IT Support
Mr. Nepal Bhusan Gauli Head Data Centre

Internal Audit
Mr. A. B. Chakravorty Country Head - Internal Audit

HR and Personnel Management
Ms. Monica Shrestha Officer, HR and Personnel Management

Annexure 52
Board of Directors

Board of Directors
1 Mr. Satyandra Pyara Shrestha Chairman
2 Mr. Mohiuddin Ahmed Director
3 Mr. Supriya Gupta Director
4 Mr. Abdul Awal Mintoo Director
5 Mr. Milan Bikram Shah Director
6 Mr. Suraj Lal Mehta Director
7 Mr. Shambu Prasad Poudyal Director
8 Mr. Dayaram Gopal Agrawal Director

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