CHAPTER- I

ORGANIZATION PROFILE

1.1Introduction
Banking system and Financial Institution can be consideration as the vertical for
socio-economic development as a country by mobilizing and economic confidence of
various segments and expanded credit of the people. Development banks play a vital role
to economic growth. It provides opportunities for the different sector of the business
which are essential in the economic development.
There are different banks such as business bank, retail banks, clearing bank, joint
venture bank etc. Their main objectives are to provide service to the customer i.e. they
provide a link between the leaders and the borrowers. Basically banks earn profits by
charging rate of interest to the borrowers slightly higher then they pay to the lenders.
Among them Sewa Bikash Bank Limited is one of them Sewa Bikash Bank register
as per financial Institution Act 2062 on Falgun 13 th and authored for conducting better
operation as per bank and financial institution act 2062 has authorized capital of Rs. 60
corer and paid up capital of Rs 10 corer. It is an authorized B grade financial Intuition.
The head office is located at Puspalal Park, Burwal-8. Financial transaction and Banking
activities were started from Falgun 2063 focuses to the resources that remain idle or the
resources likely to divert into less productive crease can be utilized in productive ways by
attracting fixed income group savers. It also has several branch offices in Butwal,
Bhairahawa, Kotihawa, Devdaha, Saljandi, Gorusinge, Parasi, Kawasoti, Danda,
Dumkibas.
SBBL is the best choice for on the go. where ever you might be going. SBBL
believes in customer focus banking. Our wide range of service, extended branch hours,
equipped modern technology which includes ATM, credit cards, ABBS, Internet Banking
System and Tele Banking System provided to our customer with fast convenient services.
SBBL has many convenient branches location with long hours and extended cut-off times
if you need to see us in person. We also offered a convenient cash management tools that
enables to your business to grow.

1.2 Mission and Objectives

1.2.1 Mission Statement
Main function of SBBL is to promote the development program of urban area,
industries, trade and commerce and for Development of economic sectors. Beside this
they have complete financial service, including various type of deposit, loans and
advanced service, remittance and other many more that normal financial Institution
possess.
Every organization is established with some goal to be achieved. Some of
the special features better we say quality about them that lead to the achievement of their
goal are as follows:

Provide soft Interest rate

Provide fast service and cooperation
Provide maximum earning on different types of deposit schemes
Operate special program on different types of deposit schemes
Operate special program on selected poor and back ward society by utilizing
unused labor and skill to increase productivity.
Provide cooperate in social welfare
Provided reduced poverty from the concerned authority
Follows the computerized accounting interest rate on fixed deposit.

1.2.2 Objective:
Every financial institution has their own objectives. SBBL believes is secured
saving, attractive Interest easy credit flow and helping behavior to become its
commitment. The following are the major objectives of SBBL are:

To provide micro level loan to the particular community, which are in shadow
according to the social and economic point of view.
To promote the self employment through the micro financial services.
Help to achieve inclusive growth
To play proactive role in economic development
To promote regular saving of the member of the group trough the micro financial
activities

1.3 Major Markets & Customers:

This SBBL covers regional wide range of the district such as Kapilvastu,
Rupandehi & Nawalparasi. The following are the sub-branches come under the
functioning of the Butwal head office along with the number of customers, borrowers &
employers.
Table No. 1.1
Name of branches
Butwal head office
Saljandi Branch
Gorusinge Branch
Bhairahawa Branch
Kotihawa Branch
Devdaha Branch
Parasi Branch
Kawasoti Branch
Danda Branch
Dumkibas Branch

No. of customer
17000
1070
1900
2020
1500
1000
1060
1200
600
900

No. of Loan Clients

1200
300
450
600
250
200
205
212
150
120

The above mention sub-branches are the functional area of the Butwal head
office. This bank aims to make incremental contribution to their economic condition by
providing them the non guarantee loan which is payable with in a fiscal year. The bank
provided a loan in different services categories such as Agriculture loan, Hire purchase
loan, Micro loan, term loan and home loan etc.
And markets captured by Head office Butwal are:
Fig. No. 1

M a rke t c a p tu re d
b y H e a d o ffi c e
B u tw a l
Ka b i
lv a s
tu

Pa
ra
si

G
ul
m
i

S a lj
han
di

pa
lp
a

Su
n
w
al

Bha
ira h
wa

1.4 Major Customers of SBBL :

3

The primary concern of Sewa Bikash Bank Limited of Nepal remains to

render their services to various sectors like the priority sector, the weaker sections of the
society, small entrepreneur and to the individuals. It is known for the services provided in
various forms of loans like the home loans, educations loans and others. There is also
tale-banking facility at bank. The bank has earned a lot of honor by making its dedicated
services available to the top export, import houses, business houses and it yet has a room
for accommodating more clients. Due to its outstanding service there has been a notable
volume of foreign business, which has made Sewa Bikash Bank Limited a name to
reckon with at the international sector.
SBBL have its customer to the product area as well as in service area. The
customers associated with this bank are mostly involved in the hotel business, restaurant,
departmental store, educational institution, stationery business and transportation,
wholesale shop and retail shop, small industries within the Butwal city and near districts
as well as areas of Butwal city, husbandry business, forming, small shops and lubricant
business. Customers related to deposit and remittances are included.

1.5Major Services of SBBL

SBBL has provided many services under the guidance of its head office the major
service of the SBBL, head office Butwal are as follows:
1
2
3
4
5

Loan and Advance

Deposit
Remittance Service
Cards Service
Other products and Service

1. Loan and Advance

Under these service six types of loan and advanced are provided. The projection
of loan and advanced is based on the assumption that eighty five deposit accepted from
the general public will be developed for productive use in the specified areas of the
economy. Interest on such loan and advanced have been presented in the line with
prevailing market rate in 2066.
The financial institution has lunched various types of leading scheme to cater the
needs of various groups of the segment of the society. Some of the leading products are
enumerated as below.
a. Agriculture Loans

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

vegetable and cash craps framing and poultry farming, bee farming etc. the loan is of
seasonal well as long term depending on the basis of the cash flow of the concern loans.
Cane farming is the growing sector in the district of Rupandehi, Nawalparasi and
Chitwan.
b. Industrial Loans:
Industrial loan are the other area where the Institution is giving emphasis, plastic
pipes, electricity, utensils, dairy, confectionery, biscuits, bakery, handicraft rice and oil,
fumitories, automobiles repairing and parse etc. are the potential industries where the
institution will be opted for industrial loan are provided such as overdraft, project long
term loans and working loans.

c.

Trading Loans

Butwal has been the center market for trading activities it is the center market for
trading activities it is the center for traders from hilly regions of Dhaulagari, Rapti and
Gandaki zone. Similarly it is center for distributors, wholesaler and retails. Therefore, the
institution is going for trading loans. The traders who have good track and the known
business people will be taped for granting such loans.
d. Housing Loans Scheme
Housing is the cares are where banks are providing loans. The types of loans are
becoming very popular amount the types of loans are as well as the client specially fixed
income groups. The residential as well as the business complex are growing rapidly. The
loan is granted of 70% percent of the total housing construction. Similarly business
complex loans will be provided under consortium loan scheme.
e.

Whole Sale Micro Credit

Micro loans are getting popularity in this area. Such loans will be provided to
NGO, co-operation and Institution based on their creditability and past experience. The
regulate follow up and the need will be evaluated to the periodical basis.

f.

Services sectors loans

5

Loan for foreign employment, beauty parlor, health care loans and professional
loans fall under the service sectors. The loans scheme to suite the different groups will be
worked out and launched for each year over the next five years, credit mix and the
Interest vats on different types of loan.

2. Deposit
a.

Deposit:

Deposits are the main sources of funds for the every financial institution. This
bank is targeting to develop various type of deposit scheme as market below.
i. Current deposits:
The current deposits have been the most lubricant deposit for the commercial
banks. All those business institution current account will be transfer to those financial
institutions. The institution will compare inside the Industrial area of Butwal to alternate
current the current account. They aimed for provide a priority country service and
overdraft faculty.
ii. Saving deposit:
Saving deposit are the most lubricant deposit schemes for the most lubricant deposit
scheme for the marginal saucers and fixed income group. The financial institution will
launch Janata deposit scheme to be collected at each house holds and Interest will be
calculated on minimum monthly balance amount.
Another launched program is:
Swarnim Fixed deposit:
This saving scheme customer can deposit the minimum balance Rs. 1, 00000 and
bank gives 12.50% interest rate per annum.
Pensioner Saving
This scheme will be launched for salaried people where with drawl facility will be
provide for certain amount of deposit amount and minimum balance Rs 1000 and bank
gives 10% interest rate per annum.

Shareholder saving
6

This scheme will ne specially launched for shareholder for this company. Basically
shareholder can deposit the minimum balance Rs. 100 and bank gives 10% interest rate
per annum.
Special saving
This type of saving can be made by both group members and the non-group women
in the bank. It is such type of saving which is hidden from the relatives and women can
use it when she urgently requires it. The bank can give facilities for people in 100000
insurance schemes on special saving. Customer can deposit minimum amount Rs. 10000
and bank gives 10% interest rate per annum.
Sewa BalBachat Yojana:
Under this saving program the children of the member and the non-member
womens children are encouraged to save children can deposit the minimum balance Rs.
500 and bank gives 10% interest rate per annum.
Sewa Provident fund saving:
This scheme will be launched for provident fund of employee which is employee
can deposit the own amount. Where with draw facility will be provided for certain
amount of deposit amount and minimum balance Rs. 500 and bank gives 10% interest
rate per annum.
b. Fixed Deposits:
The institution is giving a great emphasis on fixed deposits as this will be the back
bone for long term leading. The target group is going to pension holders, students, self
employed and business people. Various types of fixed deposits are introduction based on
the maturity period and the amount to be deposit. There are various fixed deposit scheme
are Education deposit, Recurring deposit scheme, Jestha Nagrik, Samman Fixed deposit,
Mahila Samman Fixed deposit Scheme etc. the Sewa fixed deposit Scheme maturity
period are:

Sewa Fixed Deposit Schemes.

Table No. 1.2
7

Duration
3 months
9 months
1 year
2 year
3 year
4 year
5 year
Above

Quarterly
7.50%
7.55%
12.00%
12.25%
12.50%
12.75%
13%

Yearly
12.50%
12.75%
13%
13.50%

Matured
7.50%
7.75%
12.50%
12.75%
13.00%
13.50%
14%

3. Remittance Service
Under this service the bank provides the remittance received either from the
abroad or from within Nepal. The bank works as the agent of eleven remittance company
bank can has lunched the other remittance service in recent year. The Sewa Bikas Bank
with focus on effectively channeling financial resources, which come in private transfer
agencies which are as follows:
a.
b.
c.
d.
e.
f.
g.
h.
i.
j.
k.

Sewa Money Transfer

Western Union Money Transfer
Kristi Premura ltd (Kristi Premura is an International money transfer agency
based in Hongkong)
Money Gram
IME (International Money Express)
BOK Money Transfer
Prabhu Remit
Laxmi Remit
Samsara Remit
Nabil Remit
Himal Remit

4. Card Service
SBBL is a principal member of internationally renowned payment agencies. Visa,
muster card and operates with states of technology. SBBL issues credit, debit card and
prepaid payments cards in visa muster card brand that are accepted directly for purchase
of goods and service and cash withdrawals.
5. Other produces/ services
a. Mobile banking:
The bank has bunched many mobile services, a mobile banking solution for the first
time in case of other development bank. Through this product our account holders can
performed financial transaction, Non financial transaction and receive debit/credit almost

without having to remember the SMS short code of the bank and memorizing cryptic
command and syntax.
b. E-corporate:
E-corporate is an internet based software application where client can submit LC/
draft Application through interest for bank to process the transition.
c. Any Branch Banking Services (ABBS).
In todays world technology is paramount and its role in a service industry like
banking is growing all the more in the twenty first centuries. SBB, realizing this fact has
made all its services and products and services are accessible to its customer no product
are renowned care banking software. Our uninterrupted 24 hours service and product are
reachable from all our points of representation be it branches or ATMs or merchant
establishments from meehi to mahakali 365 days a years.
d. Extended banking hours:
To make possible flexible transition hours for those customers who are busy
during office hours Nabil has extended 365 days of a year banking services and evening
counter from some of its selected branches.
e. Internet banking
SBBL has come up with an internet banking solution keeping particularly in focus
those cliental sections that have no time or their homes or offices. A verity of services like
account information and fund.

1.6 Organization Design and Structure

Sewa Bikas Bank Limited is a loving wide regional of banking and providing
service through a Network of 10 branches. Its head office is located at Puspalal Park
Butwal-8. Head office can control of the over all branch office of SBBL. Each subbranch manager is responsible for the activities held in his/her respected area and
responsibility for the activities held in his/her respected area and responsible for head
office. Head office can divided different authority and responsibility for each employee
of an organization. The decision making process and the chain of authority follows top to
bottom.

The name of the BODs member are listed below in the table:
Table no. 1.3
9

S.N
1
2
3
4
5
6
7
8
9
10

Name
Mr. Bhim Pd. Tulachan
Mr. Bhoj Pd. Shrestha
Mr. Jivan Aryal
Mr. Devi Pd. Poudyal
Mr. Bhuva Pd. Luitel
Mr. Rajendra Pd. Panthi
Mrs. Kalpana Shrestha
Mr. Bisheshor Subedi
Mr. Mahesh Pd. Kafle
Mr. Hari Pd. Lamsal

Title
Chairman
Director
Director
Director
Director
Director
Director
Director
CEO
AGM

Board of Director
Chief executive officer

Ass. General manager

Asst. GM (Credit)

Senior executive

Legal and Administration

Operation

Asst. GM (Marketing)

IT

Manager

Credit

Audit and Inspection

Operation and Planning

H.R

Fig. No. 2
Organization design and structure

1.7Financial Structure:
Table no. 1.4
Capital structure of SBBL
Transaction

Rs.

1. Share Capital
1.1 Authorized Capital
a. 6400,000 general share per share Rs. 100100
10

640,000,000.00
640,000,000.00

b. . Nonredeemable preference share

c. . Redeemable preference share
1.2 Issued capital
a. 1,150000 general share
b. . Nonredeemable share
c. . Redeemable share
1.3 Paid up capital
a. 1,150000 general share per share Rs. 100100
b. Non redeemable share
c. Redeemable share
1.4 Bonus share
1.5 Call in Advance
Total
Share ownership
transfer
1. Internal ownership
1.1 Nepal Government
1.2 A level certified company
1.3 Other certified company
1.4 Other company
1.5 Public
1.6 Other (Shareholders)
2. International ownership
Total

115,000,000.00
115,000,000.00
115,000,000.00
115,000,000.00
115,000,000.00
Share capital

100

40
60
100

115,000,000.00
46,000,000.00
69,000,000.00
115,000,000.00

1.8. Organization Performance:

I. Financial Aspect
SBBL has provided the better financial service to the customer every year, the
financial transactions are increasing so, and some financial transactions are as follows:
Deposit

11

Deposits are main source of funds for the every financial Institution. This
bank is targeting to develop various type of deposit scheme as market.

Deposit
1400000
1200000
1000000
800000
Rs '000'

600000
400000
200000
0
063/64

064/65

065/66

066/67

067/68

Fiscal year

Fig. No. 3

In fiscal year this banks Deposit is Increase in every year. In 2063/64, the
deposit is 1.5 lakhs, but in 2064/65, Deposit is also Increase is 3.4 lakhs. Similarly
this banks deposit scheme is increasing in every year. In 067/68 deposit is rapidly
increased.
In above figure denoted that this banks deposit transaction are increased
in every year. So, SBBLs deposit (borrowing) performance is very betters then
comparison of other development bank. This bank has collected various funds and
invests the different areas which help to increased per capital income to customer.
Loan
The SBBL has lunched various types of lending scheme to carter the needs
of various group of this banks in lending product is increasing in every which
shown in following figure.

12

Loan
1400000
1200000
1000000
800000
Rs '000'

600000
400000
200000
0

063/64

064/65

065/66

066/67

067/68

Fiscal year
Fig. No. 4

In Fiscal year the SBBLs lending product increasing in every year. In Fiscal year
063/64 the loan service is Rs. Fifty Thousands, but in fiscal year 064/65, lending product
increase Rs. 2.50 lakhs. Similarly this banks lending service is increasing in every year.
In economic year 067/68 lending product has also rapidly increased by Rs. 10.5 lakhs.
So, we calculated that the SBBLs lending performance is better then other Development
banks.

Operating & Net profit:

13

Operating and Net profit

400000
350000
300000
250000
Rs '00'

200000
150000
100000
50000
0

064/65

065/66

066/67

067/68

Fiscal year

Fig. No. 5

In Fiscal year 064/65 the SBBLs operating profit is Rs Fifty Thousands

and net profit is Thirty Thousand. Similarly in economic year 065/66 this banks
operating and net profits is increased which operating profits amount is Ninty
Thousands. Similarly in fiscal year 067/68, this banks operating profit is rapidly
increasing by Rs. 3.80 Lakhs and net profit also increased Rs.2.10 Lakhs.
So we concluded that this banks operating and Net profit performance is
very better which compassion of other financial institution. The banks operating
and Net profit is very better. So bank decided to provide 10% Bonus shared and
16% cash dividend to its shareholders from the profit of fiscal years 2067/068.

CHAPTER- II
14

JOB PROFILE AND ACTIVITIES PERFORMED

1.1 Activities Performed In The Bank
Each employee performs his/ her own task assigned to their job on routine
basis. They are responsible to their job on routine basis. They are assigned to their
job on routine basis. They are responsible for their own performance. Activities
performed in the organization depend upon the status, position and right acquired by
them. The activities performed by several employees in the bank areas follows.
A. Activities performed as an Intern
As an intern, I have performed several tasks in the bank with close cooperation
and supervision of the field work. Accountant and loan department. They are as
follows:

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

To fill the loan application from and guarantee paper.
To collect the amount of Installment on daily Interest rate basis.
To make debt and credit voucher for each financial transaction.
To daily and monthly income statement.
To prepare general voucher and treasury report.
The process of providing loan with the land as a security.
The software is designed to operate or to provide all the services such as record
of collection, record of savings for Insurance and for control purpose of DBMS.
To record the file in the filling system.
Behaviorally, I have leaned how to interact with how to interact with the staff
members, the language they spoke, the altitude they show and the relation of the
member with the manager.

1.2 Problem solved in the Bank

Problems are inherently come at any stage of the business. Solving such
problem need close supervision of the courses. Problems inventory analysis, brain
strong reverse brain storming and the terms deliberate effect to overcome from the
problems.
Sometime it takes less time and effort to solve a problem while it takes to long and
required large human resources according to the nature and the characteristics of the
problem. As an interne I have encountered with so many problem during training
15

session each and every problem solving activities helps me to take valuable
knowledge about the way that bank performs. The key problem solving activities are
as follows:
Increasing the opening of account through words of mouth to my friends and
relatives.
Making customer aware about the problems they solved during their work time.
Making customer aware about the banking services and facilities to make promotion
about the bank.
I used to solve the queries of people relating to different types of account.
I used to solve the problems related to filling the forms and cheque if people wrongly.

1.3 Observation Of the Key Service

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

employers, their way of behaving to the co-workers, senior and juniors, satisfaction
toward job by the employer, dedication toward the work, attitudes of the employer,
behavior toward the customer, punctuality and discipline.
As a whole I have observed all the members of SBBL Bank from top to
bottom are dedicated towards their organization. They all are committed and always
try to give their best performances. Organization is also concerned about their
employees. Fair and timely salary, equal treatment, participation, skill development
trainings, bonus, favorable work environment, benefits and perks, allowances,
promotion, etc are given to employees on the basis of their job position and job
performances. Internship in SBBL also helps me to observe and study about
organizational activities for the specific period of time and to gain first hand and
actual knowledge about General Banking. It also helps the student like me in
identifying and studying the problems and prospects of organization using the
conceptual knowledge acquired by us the classroom. It also develops our initial
research skill, problem finding and solving skill, and so on
2.3.1 Work Flow Procedure

Preliminary Discussion between banks

ands client on16
business

Step 1

Step 2

Submission proper / necessary document

Step 3

Document inspection

Step 4

Control inspection / project

Step 5

Report

Step 6

Report

Step 7

Loan Approval or Modification

Reject

Fig no. 2

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

Those produces which is followed by the bank is presented in the above diagram
which has six steps. The first step is discussion between clients & bank. Second
steps involve submission of necessary documents and there after the bank
inspected the document. The next step is to control the project. Thereafter looking
at report of clients banks approve loan or reject loan.

2.3.2 Loan Recovery Procedure

17

Genera reminder notice telephone

conversion

Re Flow Up

Client Visit Project Visit

Strict Flow

1573 days notice to pay the over due loan

35 and 15 notice to pay the over due loan

7
15 days notice to pay the 0ver due

If Necessary 7 days notice to pay the due

CHAPTER-III

CHAPTER- III
18

LESSONS LEARNT AND FEEDBACK

3.1 Key skills and Attitudes Learnt

3.1.1 Key Skills
Skills are depends upon practice rather then practice makes man perfect. By
realizing these statements I have worked so hard to get experienced in the all
functional area of the bank. The all staffs of the SBBL Head office Butwal are very
helpful and kind. They Hartley accept me as an interne. They cooperate with me in
each and every stage of the learning process. Learning the skills is not an easy task it
required the time and patient while learning. The skills that are learned in the training
(Internship) program are briefly described below:
A. Technical Skills
B. Managerial Skills
C. Behavioral Skills
A. Technical Skills:
Technical Skills are mostly function oriented. They are not acquired until the
function of the particular area can not be done. Technical skills have given the
maximum priority in the training period. Technical skills can only get through the
experience in the particular work. The following are the technical skills that I have
achieved by working at the SBBL, Head office Butwal.

Skills of collecting the weakly installment semi-monthly installment.

Skills of investing in the particular group.
Skills of supervision of the centre to control the bad debts.
Skills of collecting the personal, group and senior citizen saving.
Skills of preparing the master collection sheet.
Skill of recording the position into the G.L.
Skill of cross cheek, while from the total amt to the one side is different from the
total amount of the other side.
Skill in maintain the sufficient liquidity.

19

B. Managerial skills:
Managerial skills are always broad in nature. These skill are relatively burden in
nature. Managers need to see courteous then other employee. The role of the manager
in the organization requires .The ability to adopt/decide, and change in the present
situation. All managers are responsible for the work done by there employees.
Following are the major skills that I have learned by the area manager.

Skills of controlling, monitoring, and supervising the work of the employee.

Skills of maintaining the organizational performance in smooth way.
Skills of cooperation with the staff member
Skills of gathering data and decision making on meeting.
Skills of planning the future activities.

C. Behavioral Skills :
Behavioral skills are needed to develop through the response. The behavioural
the behavioral that should be reviled in the organization are differs then the behavior in
the house. The employees are required to behave in the regular and the defined
manner. The main aim of determining the organizational behavior is to maintain the
university in the organizational behavior.

The skills of maintaining the bank discipline.

The skills of talking, walking, and hearing.
The skills of managing group response.
The skills of taking with group response.
The skills of falling with the group member and the Customer.
The skills of controlling inner or personal feeling.
The skills of empowering the employee.
The skills of providing the required information to the member.

3.1.2 The Attitudes Learnt

The altitudes are inner expression that can show in the performance of the
employees. The attitudes max occur in the specific situation occurred in the daily
performance the analysis of the attitudes is not an easy evaluation of the performance
behavior the close supervision of the work in the office. The employee is to crate the
virtual situation and analyze the employees behavior in that particular situation. As an
interne I have developed the following attitudes in my behavior.

Accept mistake.
20

Avoided data fabrication.

Accept basic norms and principle.
Maintain clean clothes.
Maintain Personality.
Show positive thinking.
Be aware of responsibility.
Self respect and self motive.
Do right and be positive.
Make regular appearance.
Maintain confidentiality with outsiders.
Responsible for the work done by myself.
Receive suggestion and guidelines positively.

3.2 Feedback to the Organization:

The SBBL is Development Bank and function in micro financial area it covers
all the people in the rural area, urban are and local community associated with the
bank. The bank has control aim to pick up the economical and social position of the
people. The potentiality of the growth of such type of the bank in the Nepalese
community is very high.
The experience that I have achieved by working in the SBBL is valuable and by
fruitful to me and for my future. The SBBL has provided me the chance to got
experience in each and every functional area of the bank.
Following are the suggestions made by myself that may help the bank to
improve its performance.

The bank should have use the control chart to control the bad debts control chart is
one of the most effectiveness tools to control the defects (bad debts).
The bank must provide the remuneration to those field workers who from then
centers and groups.
The bank must develop the carrier development plan for the employee to motivate
the field staff and the other employee.
The bank must formulate the various training program to improve the working
performance of the employee.
The bank must make the close supervision of all branches which come under the
controls of the bank by developing the effective controls mechanism.
The banking service of this bank should be the targeted areas not only in the local
communities nearly the bank.
21

The govt. must reduce the tax it promote the micro financial institution. The micro
financial institution must put pressure on the government to reduce.
The bank must remove its organizational weakness and have to maintain its pure
organizational goal & mission.

3.3 Feedback to college/university

Crimson College of Technology, in the present condition is the most successful
college in the Butwal City. Since the college established, it is producing the technically
skilled manpower. The main aim of this college is to educate the students through
international approved educational system the priority is to given to the information
technology and management. At the present era of the changing world CCT has been
able to produce the efficient human resources.
I would like to thank Mr. Deepak Bhandari and Mr. Gajandra Basnet providing
me the chance getting internship program in my locality. This internship program
helps me to take advantage of the SBBL. The internship programs help me to develop
the official skills and attitude.
Even the college is brilliant in providing the technically education to us, some
major weakness of the colleges. The performance the major areas where the college
has to be worry are follows:
The college must maintain the different deployment as a separate entity.
Beside the education the college is weak in taking part in different sports program
students may encourage through the sports.
Even the teachers are very devotional the problem of not finishing the subjects
syllabus in time occurs college administration has to thin on it.
College administration should maintain the close supervision in the daily
performance of the students and the teachers.
The way this CCT College is performing is excellent and the education
providing through this college is valuable to the students.
This Internship report has been prepared in accordance with the particle
fulfillment for Bachelor of Business Administration (B.B.A). It has been matter of
pleasure for us since the Pokhara University has offered us such an excellent
opportunity to work in a real work risk associated.
The Pokhara University School of business is an ideal University in the Nepal.
This University is currently providing the BBA, BCA, BI, BCIS, B Pharmacy and
other programs to the Bachelor students which are valuable for their life. This
internship report is prepared in accordance with the prescribed rules and regulation
provided by P.U. therefore, I am very grateful writing of a part of our course. But
some thing has to be done to be the best University in the Nepal.

22

The effective cal trolling mechanism is necessary to controls the performance of

the affiliated in statues
The lectures are required to motivate students to get internship in such banks.
There should not be political interfere in the University.
There should neat and clean administration of the University.
There mustnt political ideology in the professors.

At the end I would like to state that both P.U. and then CCT College are
complement to each other. Both have similar objectives and missions in education.
The cooperation between them should be long lasting and the resources should be
share. The aim of the both P.U. and CCT are only achieved if the effective functional
mechanism could develop.

BIBLIOGRAPHY
23

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

Kathmandu: Teleju Prakashan.
Kohan, Meri (2005), Financial Institution and Market, New Delhi: Taja Mc Graw It
ill.
Agrawal, G.R (1993), Organization and management in Nepal: Kathmandu, M.K
Publishers and Distribution.
Thapa, Kiran (2062), Fundamentals of Investment; Kathmandu: Astnita Publishers
and Distributors
Pant, P.R (2003), Field work Assignment and Internship report writing: Kathmandu
Buddha Academic Enterprises Pvt. Ltd.

Shrestha, Manohar K. and Bhandari, Dipak B. (2062), Financial Market and

Institution: Kathmandu, Asmita books Publishers and Distributors.

Rana, Surya (2000, Financial management Kathmandu: Ratrice Pustak Bhandar

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

APPENDIX
24

Appendix A

Questionnaire:

This repots Loan department of SBBL aims to observe the profitability and
liquidity problem faced by the institute. To gather the information needed to prepare this
report and to get information and knowledge of the SBBL a questionnaire was
prepared.

Participants of respondent:
Name:

Age:

Qualification:

Occupation:

Gender:

Address:

Telephone No:

Question:
(Direct personal interview with Area manager)
O.N.1. When was the SBBL established?
Q.N.2. What is the authorized capital and paid up capital of this institution?
Q.N.3.What is the major objectives and missions of the institution?
Q.N.4.What is the products and services of organization?
Q.N.5 Organization design and structure.
Q.N.6. What are the major problems faced by the financial institution?
Q.N.7 Who is the main competitors of the financial institution?
Q.N.8 Which environmental factors effects more to the organization?
Q.N.9. Is promotional activity is important for financial institution?

Appendix B
25

Deposit Scheme:
1. Shareholder Saving
Minimum Balance

: 100

Interest Rate

: 10% p.a

Interest posting frequency

: Quarterly

2. Sewa bal bachat Yojana

Minimum Balance

: 500

Interest Rate

: 10% p.a

Interest posting frequency

: Quarterly

3. Sewa General Saving

Minimum Balance

: 500

Interest Rate

: 10% p.a

Interest posting frequency

: Quarterly

4. Sewa Provident fund Saving

Minimum Balance

: 500

Interest Rate

: 10% p.a

Interest posting frequency

: Quarterly

Minimum Balance

: 100

Interest Rate

: 10% p.a

Interest posting frequency

: Quarterly

Minimum Balance

: 500

5. Easy Saving

6. Sewa Saving
7. Special Saving

Minimum
Balance
Interest Rate

: :1000
3.5% p.a

Interest
InterestRate
posting frequency

: :10%
p.a
Quarterly

Interest posting frequency

: Quarterly

Additional benefits

: free ATM, SMS

26

8. Pensioner Saving

Minimum Balance

: 1000

Interest Rate

: 10% p.a

Interest posting frequency

: Quarterly

Additional benefits

: Free ATM, Banking SMS

Maximum Balance

: 10000

Minimum Balance

: 1000 (A/c op. charge)

Interest Rate

: 9.00to 11% p.a

Additional Benefit

: Free ATM,SMS

9. Sewa Current (Call a/c)

27