INTERNSHIP REPORT ON FEWA

BIKAS BANK LIMITED,

DULEGAUNDA
Presented by: Jitendra Sunchauri

Acknowledgement

Deep gratitude to Dr. Bharat Ram

Dhungana for his coordination and
guidance
Extend my gratitude to Mr. Pramod Sir
and Toran Sir for providing letters and
forms for internship
Mr. Suman Timilsina (Branch Manager)
and all staffs of Fewa Bikas Bank
Thanks to all my friends, professors,
lecturers and staffs of SOB, PU

Introduction

Recently formed class B National Level Bank

Register under Company Act 2063 with a
mandate to operate in framework of Bank &
Financial Institution Act 2063
Head Office & Corporate Office at
Chippledhunga, Pokhara
Established with aim of collecting idle sources
of funds and lending it to productive sector
Promoted by group of successful entrepreneur,
professionals like industrialists, academicians,
businessmen, bankers, ex-servicemen, etc

Contd

Authorized capital of 1 Arab and Paid up

capital of 81.20 crores.
28 branches spreading on Eastern,
Central and Western region of the
country
Promotes the flow of money from those
who have surplus to those who need

Vision, Mission & Objectives

Vision To established by proving prompt, easy banking
services
Mission - To provide related people as in text of time, the
prompt, easy, quality, security and reliable bank as their own
bank.
Objectives:
-Providing quality or reliable financial services to general
people
-to develop in industrial trade and agriculture sector
-to eradicate poverty by mobilizing skilled labour and capital
-to create productive and employment business
-to help in strengthen well improve of nations economic
-to provide easy and finance services by corporate investment

Major Markets and

Customers

28 Branches in13 Districts, 7 in Kaski

Focus in Urban Area
Large coverage on Western
Development region
All people having financial service needs
Minors, youth, elder, women, etc

Products and Services

Deposit
-Current Account
-Call Account
-Saving Account
-Fixed Deposit

Interest Schedules

Loan & Advance

Locker Service
ABBS Service
SMS Banking
ATM Service
Bank Gaurantee

Organization Design &

Structure

Financial Structure
Deposit Structure
Current Deposit; 1%
Call Deposite; 22%
Saving Depsoit; 40%

Fixed Deposit; 37%

Income Structure

Commission & Discount; 1% Other Incomes; 7%

Loan Structure
Real Estate; 8%
Other Loan; 33%
Personal Home Loan; 19%
Deprived Loan; 3%
Agriculture Loan; 1%
Hire Purchase; 13% Term Loan; 3%
Overdraft loan; 20%

Expense Structure

Other Operating Expenses; 13%

Employee Expenses; 12%

Interest Income; 92%

Interest Expenses; 75%

1000

937

900

811

800
700
600
500
400

311

300

177 157

200

227

379
265

317

192

100
0

0Year0

2067/68

2068/69

Total Deposite (in crores)

2069/70

2070/71

2071/72

Total Loan (in crores)

Operating Profit
3500
3000

3300

2500
2000
Amount in Lakh 1500
1000
500
0
Year

2067/68 2068/69 6069/70 2070/71 2071/72

Organizational Performance

After Merger, Share Capital increased by

21.90%
Net Profit increased by 26.62% in
2071/72
EPS increased to Rs.21.81 per share in
2071/72
Providing core banking services to
customers
Increasing market coverage
Act as mediator for flow of funds from

Activities Performed in Organization

CSD
-New Account Opening
-Making and Issuing Cheques
-Providing information related to account, interest
rates and services
-Form filling for services
-Statement Printing & issuing
-New ATM card processing & issuance
-Handling calls and enquiries of customers
-Closing account

Remittance
-Preparing schedules and journals for
outward remittance
-Checking secret keys for payment
-Verifying customers
-Processing the payment/transfer of funds
-Keeping record and filing

Problems Solved

Handling customers and their problems

Account related problems
ATM related problems
Remittance related problems

Key Observation

Dealing with customers

Behavioral requirement in job
Role of different department
Employee behavior and customer response
Service encounter moments
Customer satisfaction and loyalty
Employee motivation and commitment
Organization success factors
Classroom theoretical learning and real
working experiences

Key Skills and Attitudes Learnt

Opportunity to learn a lot of skills and

get real working experience
Corporation and coordination among
team members
To be peaceful, hard working, patience,
cool , innovative and adaptability
Interpersonal and communication skills
Technical skills

Feedback
Feed back to the bank
-Effort to bring new ideas, schemes, plans, latest technology and
excellent management team
-Focus on service encounter and customer expectation
-Adapt latest technology for delivery of fast and reliable quality
services
-Add more facilities like online banking, extending and SMS banking
-Promotion of banking services through advertising, publicity &
Public relation
-Focus on CSR activities
-Employee development program
-Increase market coverage through adding new branches in new
markets

Feedback to the college

-Supervise students during intern period
-Make association with organization that
allow students for internship
-Proper guidance and instruction
-Flexible time schedule for students

Thank You