Intern Report of Agricultural Development Bank Limited Nepal by Dibas Gaudel

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List of Figures viii

1 INTRODUCTION 1

1.1. Background of the Study 1

1.2. Objectives of the Study 1

1.3. Methodology 2

1.3.1. Organization Selection 2

1.3.2. Placement 2

1.3.3. Duration 2

1.3.4. Nature and sources of Data 3

1.4. Limitations of the Study 4

2. INTRODUCTION TO THE BANKING INDUSTRY 5

2.1. Meaning of Banks 5

2.2. Origin of the word Bank 6

2.3. Origin and Evaluation of Bank in Nepal 6

2.4. Types of Bank 8

2.4.1. Central Bank 9

2.4.2. Commercial Bank 9

2.4.3. Industrial Bank 9

2.4.4. Agricultural Development Bank 9

2.4.5. Rural Development Bank 10

2.4.6. Saving Bank 10

2.4.7. Exchange Banks Error! Bookmark not defined.10

2.4.8. Universal Bank 10

2.5. Importance of Bank Error! Bookmark not defined. 11

3 INTRODUCTION OF ORGANIZATION 12

3.1. Introduction of Agricultural Development Bank LtdError! Bookmark not defined. 12

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3.3. Tier Structure of ADBL 14

3.4. Organization Chart 15

3.5. Branch Network 16

3.6. Products and Services Provided by ADBL 16

3.6.1. Deposit Products 17

3.6.2. Loans Products 18

3.6.3. Additional Services 20

4 ANALYSIS OF ACTIVITY DONE 21

4.1. Customer Service Department (CSD) 21

4.1.1. Activities done in Customer Service Department 21

4.1.2. Problems Identified in Customer Service Department 24

4.1.3. Problems Solved in Customer Service Department 24

4.1.4. Analysis of Customer Service Department 24

4.2. Remittance 25

4.3. Credit Department 25

4.4. ATM Card Distributions 26

5 CONCLUSION AND LESSON LEARNT 27

5.1. Summary 27

5.2. Conclusion 27

5.3. Lessons Learnt 29

5.4. Recommendation 29

BIBLIOGRAPHY

LIST OF TABLES

1.1 Placement and duration……………………………………………………..3

2.1 Financial institutions in Nepal ……………………………………………..8

3.1 Regional Office and Training Centre of ADBL……………………………16

3.2 Interest on Deposit…………………………………………………………..18

3.3 Interest on Loan & Advances……………………………………………...20

LIST OF FIGURES

1.1 Gantt chart of placement and duration……………………………………3

2.1 Classification of bank under NRB…………………………………………7

3.1 Tier Structure of ADBL…………………………………………………….14

3.2 Organization Chart of ADBL……………………………………………….15

CHAPTER ONE

INTRODUCTION

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Background of the Study

An internship is a directed, practical learning experience, outside of the normal classroom setting, in which students sharpen skills, gain experience, apply classroom learning to professional settings or projects, and learn first-hand how professional companies or organizations operate. It is a training given to the students to get familiarize with the corporate culture. The main point with internship is that it sets us in a situation that allows us to observe and become acquainted with industry in a more specific way. The internship exposes the students’ interpersonal relationships that a job requires. The report is the requirement for the fulfilment of the degree of bachelor in BIM under the Faculty of Management (FOM) of Tribhuvan University.

Internship program has been designed for the partial fulfilment of the degree of Bachelor in Information Management (BIM). BIM is a program launched by Tribhuvan University (TU) under the Faculty of Management (FOM), with eight semester's provision covering an international standard period of four years. It covers class lectures, group discussions, case studies, seminar, practical exercises, project work, term paper and internship. BIM is a broad education program to prepare the students for much advanced middle level leadership in both private and public sector. The purpose of the program is to develop and strengthen the students’ knowledge and skills. With regard to this, FOM has combined internship with the course and make it compulsory for the time period of two months.

This report is based on the two month internship experience and knowledge gained on the internship time duration.