An

Internship report on

Kamana Sewa Bikash Bank

Submitted by

Name:-Laxmi joshi

Exam roll no.:-

FV Reg.no. :-

Submitted to

Faculty of management

Far-Western University

Submitted for the degree of bachelors of business administration(BBA), Bhimdatt , Kanchanpur

…………………………….. , 2019
Bonafide certificate

This is certified that an internship report on kamana sewa bikash bank is bonafide work of Laxmi Joshi
who carried out the internship work under my supervision . this report is forwarded for examination.

…………………………….

Supervisor

Declaration

The internship in title "An internship report on kamana sewa bikash bak" which is submitted by me in
partial fulfillment of the requirement for award of BBA degree for far- western university comprises only
my original work and due acknowledgement have been made to materials used in report .

Name :- Laxmi Joshi

Signature :-…………………………..

Date :- 2075-11-01

Acknowledgement

An internship report entitle "AN INTERSHIP REPORT ON KAMANA SEWA BIKASH BANK
" has been as a prerequisite for the Bachelor of Business Administration (BBA) of Far-western
University. This report has highly helped me to expand my knowledge on banking sectors and
other activities related to banking system of Nepal. I am indebted to my college Far-Western
University of for the great opportunity to experience this type of practical and necessary work
which is very beneficial in my future career.

I would like to express my deep gratitude to all those who assisted with their valuable
suggestions and numerous ideas with valuable time while preparing the report. In this regard I
would like to express my thanks to kamana sewa bikash bank and its staffs for providing the
exciting opportunity to be one of them and giving me thorough guidance and opportunity to
move ahead with internship objectives.

I would like to express my heartfelt thanks to our Head of Department Assistant Prof. Mr. Prem
Singh Khati Sir for providing all necessary suggestion. I also express my deep sense of gratitude
to my revered guide Assistant Prof. Mr. Manish Ojha And Uttam Bahadur Thapa Sir for helping
me to undertake this project. Finally, I would like to thank to all the staff of Far-western
University of Management and the entire faculty members who have come across me from the
initial stage of my project work to the complete execution of my project work.
All my friends who have assisted me directly or indirectly in completion of this project are also
equally thankful.
Lastly, I thank my family for putting up with my absence from house during my studies and all
the others who helped me in diverse ways to assemble this piece of work.

Abbreviations

A/C : Account
KSBBL : kamana sewa bikash Bank Limited

NRN : Non-Resident Nepalese

NRB : Nepal Rastra Bank

SMS : Short Message Service

ATM : Automatic Teller Machine

ABBS : Any Branch Banking Service

SBGL : Small Business Growth Loan

PIN : Personal Information Number

NTC : Nepal Telecom

CSD : Customer Service Department

ECC : Electronic Cheque Clearing

KYC : Know Your Customer

SCT : Smart Choice Technology
POS : Point of Sale
BOD : Board of Directors

TABLE OF CONTENTS
Recommendation
Acknowledgement
List of figures
Abbreviation
Chapter I
1. Organization Profile

1.1. Introduction………………………………………………………………….…..1
1.1.1. History of banking
1.1.2. Banking in Nepal
1.2. Background of the Organization …………………………………………...……4

1.3. Organization’s Mission and Objectives ……………………………..…………..5

1.5 Major Markets and Customers …………………………………………..…….…7

1.6. Product and Services …………………………………………………………....9

1.6.1. Products of kamana sewa bikash Bank Ltd

1.6.2. Services of kamana sewa bikash Bank Ltd

1.7. Organizational Structure …………………..………………………….……….14

1.8 SWOT Analysis……………………………………………...…….……….…..15
1.9 financial structure……………………………………………….……..….…….16

Chapter II

Job Profile and Activities Performed

2.1. Job Profile…………………………………………………….……………….22

2.2. Activities Performed in the Organization …………………..…………………22

2.3. Observation and Major Finding………………………………………………..25

Chapter III Lesson learnt and Feedback

3.1. Lesson Learnt…………………………………………..………………………26
3.2. Feedback to the Organization ……………………….…………….…………..27

3.3. Feedback to the College/University ……………………….…….…………….27

CONCLUSION
REFERENCES

LIST OF TABLES /LIST OF FIGURE

Table 1.5.1: Branches of kamana sewa bikash Bank Ltd

Table 1.6.2: kamana sewa Product and Services

Table 1.6.3: Details of kamana sewa Fixed Saving

Table 1.6.4: Interest Rate on Saving Accounts

List of Figure
Fig. 1.4.1 Shareholding pattern of kamana sewa bikash bank limited
Fig. 1.7.1 Organization structure of kamana sewa bikash Bank Limited (Mahendrangar Branch)

CHAPTER I
1. ORGANIZATION PROFILE

1.1 Introduction

A bank is a commercial or state institution that provides financial service, .including issuing
money in various forms, receiving deposits of money , lending money and process transaction
and the creating of credit . A bank is a financial intuitions which deals with the money (i.e.
collect the money surplus unit and lend to defect unit. mainly bank is a financial intuitions that
deals with the transactions of money ( i.e. deposit and withdraw of money) to their clients there
are different types intuitions which are working for different types of deposit and lending policy
for their customers .Among these financial intuition bank is one of them.

Bank is a financial institution licensed as a receiver of deposits. There are two types of banks:
commercial/retail banks and investment banks. In most countries, banks are regulated by the
national government or central bank. Banks represent the largest group of depository institution
measured by asset size. They perform function similar to those of saving institutions and credit
unions- they accept deposits and make loans. Commercial banks are distinguishable from saving
institution and credit unions, however in the size and composition in their loans and deposits.

Commercial banks are mainly concerned with managing withdrawals and deposits as well as
supplying short-term loans to individuals and small businesses. Banks are also permitted by law
to mobilize the deposits collected from the general public into income generating
investments.Consumers primarily use these banks for basic checking and savings accounts,
certificates of deposit and sometimes for home mortgages. Investment banks focus on providing
services such as underwriting and corporate reorganization to institutional clients.

History of Banking

As history reveals, Babylonians had developed a system of banks that was in existence since
2000 B.C. Credit practices were prominent in ancient Egypt. This type of banking system was
even more developed in by the Romans and the Greeks. Old Sanskrit books of law also mention
regulations governing credit and uses of negotiable instruments. In Rome, early bankers were
called Argentarii, Mensarii, or Callybistoe and the banks were called Tabernoe Argentarioe.

The major function of an ancient bank was the same as that of today, collecting deposits and
giving loan. Some banks were appointed by the government to receive taxes. The customers in
the banks would settle their credits by paying through a cheque or a draft. The creditor could
then collect the payment from the bank. This facilitated the merchants in the early ages. Credit
banks would also provide interest free loans to the poor citizens for land as security. The Bank of
Venice remains to be the most ancient bank that was established in 1157 A.D. as a formal
institution. Rather than functioning like a modern bank, it served basically as an office for
transfer of public debt.

Banking as a business flourished in Barcelona, Spain. But the banks here were under regulatory
provisions. None could run a banking business unless they had given sufficient security. It was in
Barcelona in 1401, a public bank was established that exchanged money, received deposits, and
discounted bills of exchange both for citizens and for foreigners. It was Bank of Barcelona.

Bank of Amsterdam was established in 1609 to meet the needs of the merchants of the city. It
started using certificates to allow withdrawal of deposit. It had a validity of six months and could
be used as modern cheques. Many European banks still in existence today were formed under the
model of this bank.

In London, banking began from London Goldsmiths who received valuables and funds for safe
deposit. They would then issue receipts acknowledging the deposit which could be used later to
withdraw the deposits by a bearer. These receipts were known as goldsmiths’ note and were in
circulation well before a bank note. Goldsmiths were trusted by people because their gold would
act as security. But this kind of baseless trust would not last long. The London Goldsmiths were
ruined leaving behind vast field for banks to grow. Private Banks in England grew very fast. The
Bank of England was established in 1694. After the introduction of Banking Act, 1883 in United
Kingdom, the growth of banks accelerated. It allowed banks to be established as joint stock
companies.

Today’s market sees numerous banks arising in all the nations serving the needs of domestic and
global customer. Those ancient banks could only perform few simpler tasks. Since then the roles
and functions of a bank has been ever increasing. Banks could only serve a few individuals
within a limited territory. These days’ banks can conduct huge financial transaction with speed
and security, regardless of the geographical barriers.

Banking in Nepal

Banking in Nepal prevailed in society for hundreds of years but its institutionalized form in
Nepal began with the inception of Nepal Bank Limited in 1937. Nepal’s banking history can be
segregated into three stages as given below:

Pre- modernization

Before Nepal Bank Ltd. came into existence, a government initiative to provide credit to the
general public and government employees was taken by Ranoddip Singh. It was the ‘Tejarath
Adda’. This office had several branches that provided credit to the people for bullion as security.
However, it could not accept deposit.

Modernization
The government established Nepal Bank ltd. with an objective of fulfilling the modern banking
needs of the country and the government as well. The first commercial bank of Nepal then had
the sole responsibility of serving the government as a banker.

In a dynamic environment, there arose the need for a central bank in Nepal. Thus Nepal Rastra
Bank was established April 26, 1956 under the Nepal Rastra Bank Act, 1955. Nepal Rastra Bank
works closely with the government also serving as a banker to the government. It also acts as a
banker to all other banks by regulating and supervising their activities.

To neutralize the monopoly by Nepal Bank, government established another commercial bank,
Rastriya Banijya Bank. This bank would bring competition in the Nepalese banking sector. The
first development bank was Industrial Development Bank in 1957, which was later converted to
Nepal Industrial Development Corporation in 1959. Its major objective was to provide equity
and debt financing in new industries in Nepal.

Post-modernization

With the beginning of policy liberalization, gradually banks began to increase in numbers. As the
demand of globalization, Nepalese financial system allowed access to operate joint venture
banks in Nepal . The first joint venture bank of Nepal is NABIL Bank Limited, formerly known
as Nepal Arab Bank Limited.

1.2 Background of the Organization

Kamana Sewa Bikash Bank Limited is a National level development bank promoted by highly
prominent business personalities/ groups and reputed individuals of the region who have excelled
in their field of business/profession with very good integrity and social standings. Under the
guidance of reputed Board of Directors and professional and dynamic management team having
extensive experience with proven track-record in the banking industry, Kamana Sewa Bank is
committed to offer a wide range of banking products and services tailored with the state-of-the-
art technology to meet the unique requirements of all the customer/clients and thereby delight
them by exceeding their expectations.

With a shared vision of "Your Partner For Progress" ,Kamana Sewa Bank Team is committed to
providing the quality products and services to its valued customers with utmost courtesy and
care. We at Kamana Sewa believe that delivery of quality products / services designed /
customized to best suit the customer need through continuous research / development and
innovation is the foundation to build-up the trust and enhance the level of confidence between
the customer and the bank. Hence, Kamana Sewa Bank Team pledges its commitment to always
endeavor for delivery of innovative products / services to all the customers to best suit their
requirements thereby ensuring the optimum benefit and value addition to the customer as well as
to all other stake holders.

1.3 Organization’s mission and objectives

Mission

The Kamana Sewa Bank’s mission is to provide one stop solution to all the banking needs for the
customer through a highly motivated professional and efficient human resource pool. Promoting
sustainable business growth by providing high quality customer service, customer care and
ensuring efficient use of information technology in a cost efficient manner. Meeting the
expectations of all stakeholders through transparent, true and fair disclosures and responsive
management, practices and principles. Strive to fulfill corporate social responsibility in Nepal
with emphasis to growth in business and financial sector.
Vision

Kamana Sewa Bikas Bank Limited conceives a vision to be a leading bank, state of the art,
customer centric, values driven and professionally managed bank; committed to high standards
of good corporate governance practices; perpetual enhancement of the wealth of all stakeholders
and the society and consequently to provide the attractive and substantial returns to the
stakeholders of the bank.

Over the 11 years, we have grown larger and stronger - in terms of business and services. This
has been achieved by relying on the fundamentals of customer service of top order. Our
achievements have come through quality, consistency and transparency of capital base, sound
liquidity, a robust risk management framework coupled with the practice of good corporate
governance and above all, the tireless focus on customer satisfaction.

Objectives

All bank have objectives which will be achieved in future. There was a need for reconstructing
economics at a faster speed. The existing machinery for developmental activities was not
sufficient to the requirements of industry. There was a need to set up such institutions which
would take up promotional activities besides financing. So tha this bank set some objectives to
achieve success in future. Some objectives are as follows..

1. Lay Foundations for Industrialization

2. Meet Capital Needs

3. Need for Promotional Activities

4. Help Small and Medium Sectors

5. To encourage modernisation and improvement in technology,

6. To promote more self employment projects,

7. To revive sick units,

8. To improve the management of large industries by providing training .

Capital structure
It is important to have a capital structure to satisfy the customer needs of kamana sewa bikash
bank. The capital structure of kamana sewa bikash bank is as follows..

Authorized capital :- Rs. 3,000,000,000

Issued capital :- Rs. 2,502,000,000

Paid up capital :- Rs. 2,502,000,000

1.4 Shareholding pattern

Fig. 1.3.1 Shareholding pattern of kamana sewa bikash bank limited

public 49%
promoter 51%

1.5 Major markets and customers

Kamana sewa bikash bank is the national level bank which provides services to their people or to their customer
all over the country . so that major markets means the markets of the Nepal and customer means nepales people
who takes services from the bank . this bank has 64 branches to provide service to their customers. The various
branches recently in operation by the branch managers are:

OFFICE LOCATION
Head office Kathmandu-30 Ananda Bhairab
Marg,Gyaneshwar
NewRoad Branch Newroad, Khichapokhari, Kathmandu
Kalanki Branch Kalanki (Near Makalu Petrol Pump),
Kathmandu
Gongabu Branch Gongabu, Kathmandu
Urlabari Branch Urlabari-07, Morang
Amarsingh Branch Amarsingh,Pokhara -8
Attariya Branch Godawari Municipality Ward No - 1
Attariya, Kailali
Baijanath Branch G Gaun,Baijanath,Banke
Bashabasahi Branch Sarawal Rural Municipality 01, Nawalparasi
Baisjangar Branch Baisjangar, Tanahun
Beshisahar Branch Bhimsenthan,Beshisahar-08,Lamjung
Bhairahawa Branch Siddarthanagar 12, Devkota Chowk (S.R.
Complex)
Birauta Branch Birauta, Pokhara
Birgunj Branch Adarshnagar-10,Birgunj
Butwal Branch Butwal 8, Puspalal Park
Chandrauta Branch Chandrauta-5, Kapilvastu
Chipledunga Branch Chipledunga, Pokhara
Daldale Branch Daldale, Nawalparasi
Damauli Branch Damauli,Tahahun
Danda Branch Agyauli-09, Danda Bazzar, Nawalparasi
Deep Branch Deep, Pokhara
Dhading Branch Dhadingbesi, Dhading
Dhangadhi Branch Dhangadhi 02,Ratopool,Kailali
Dhorphirdi Branch Dhorphirdi, Tanahun
Dhungepatan Branch Dhungepatan, Lekhnath

Duippiple Branch Duipiple, Lamjung

Dumkibas Branch Dumkibas, Nawalparasi
Dumre Branch Dumre, Tanahun
Galchhi Branch Galchhi Gaupalika-07 Dhading
Ghorahi Branch Ghorahi-15 ,Tulsipurchowk,Dang
Gorusinge Branch Jaynagar-8, Kapilvastu
Hakimchowk Branch Hakimchowk, Chitwan
Hetauda Branch Parijat Road,Hetauda
Holeri Branch Runtigadhi Rural Municipality Ward No - 6
Holeri, Rolpa
Jaspur Branch Mandavi-03, Pyuthan
Kawasoti Branch Kawasoti-05, Nawalparasi
Khaireni Branch Devdaha, Khaireni

Khairenitar Branch Khairenitar, Tanahun

Khurkhure Branch Khurkhure, Chitwan
Kohalpur Branch Kohalpur-11 (Infront Of Inland Revenue
Office) Banke
Kotihawa Branch Madhawaliya , Kotihawa

Kusma Branch Kusma Municipality Ward No - 5, Badachaur

Kusma, Parbat
Lamahi Branch Lamahi Municipality Ward No- 5
Koilabas, Dang
Lekhnath Branch Dandakonaak, Lekhnath

Mahendranagar Branch Campus

Road,Mahendranagar,Kanchanpur,Sanchar-
Chowk 18
Mahuli Branch Mahuli Saptari
Narayanghat Branch Lionschowk, Chitwan

Nepalgunj Branch Nepalgunj -1, Banke

Newroad Branch Pokhara-8, Newroad
Palpa Branch Shittalpati, Tansen,Palpa
Parasi Branch Ramgram-3, Bank Road, Parasi, Nawalparasi
Pharsatikar Branch Suddhodhan Rural Municipality Ward No - 4
Pharsatikar, Rupandehi
Pragatinagar Branch Pragatinagar, Nawalparasi
Rampur Branch Rampur-08 Bejhad, Palpa
Sahid Chowk Branch Shahidchowk,Narayangarh

Saljhandi Branch Saljhandi, Rupandehi

Sardi Branch Binayi-Triveni-04,Sardi,Nawalparasi
Sharadanagar Branch Sharadanagar, Chitwan
Srijana Chowk Branch Pokhara-8 ,Srijana Chowk
Sundarbazar Branch Sundarbazar Municipality Ward No - 7
Main Market, Lamjung
Surkhet Branch Birendranagar-6,Surkhet
Taulihawa Branch Guadichowk, Taulihawa, Kapilbastu
Thada Branch Thada-3 Amarai,Arghakhanchi
Tulsipur Branch B.P Chowk,Tulsipur-5,Dang
Urlabari Branch Urlabari-07, Morang
Waling Branch Waling-08 Mod, Syangja

1.6 Products and Services

1.6.1 Products of KSBBL

As a pioneer in introducing many innovative products and marketing concepts in the domestic
banking sector it represents a milestone in the banking history of Nepal with customer
satisfaction considered as focus objective while doing business

1. current account :- in current account customer can deposit money and withdraw money
anytime and without any interest .

2.call account:-in call account interest rate can be defined with negotiation of customer and
bank.

3.Saving account:-in saving account customer can get three types of services or facilities which
are as follows:

 Normal saving :- in normal saving customer can open account at zero

balance and can get 5% interest after deposit money.
 General saving :-in general saving customer can open account at
Rs.500 minimum balance and can get 5% interest after deposit money.
  Subharamv saving :-In this saving customer have to pay Rs 1000 at
first time of account opening and can get 7% interest per year after
depositing money and can get different services freely like ATM ,
mobile banking e.t.c.

4.fixed deposit money can put in account at fixed time period in this account and can get
10.75% maximum interest rate to the customers.

Table3:Details of Sanima fixed deposit

For Individual
Fixed Deposit Interest Rate Tenure
Swarnim Surakshit FD( up to 5yrs) 10% p.a. 3 months up to 5 years

For Institutional
Fixed Deposit Interest Rate Tenure
Swarnim Surakshit FD (up to 5yrs) 10% p.a. 3 months up to 5 years

Table 4:Interest Rate on Saving Accounts

Saving Deposit Interest Rate Minimum Balance

Normal Saving 7 % p.a. Zero Balance
Pensioner Saving 7 % p.a. Rs. 1,000.00
Child Saving 7% p.a. Rs. 1,000.00
Sabal Nari Saving 7% p.a. Rs. 500.00
Salary Saving 7 % p.a.* Zero Balance
Shareholder Saving 7 % p.a. Rs. 1,000.00
Farmer Saving 7% p.a. Rs. 100.00
Student Saving 7 % p.a. Rs. 100.00
Subharambha Saving 7 % p.a. Rs. 1000.00
Samajik Surakshya Saving 7 % p.a. Zero balance
Corporate Call Account up to 7 % p.a. Rs. 1,000.00
Interbank Call Account up to 7 % p.a. Rs. 10,000.00
Personal Call Account up to 7 % p.a. Rs. 50,000.00

Lending policy
Lending policy in this bank is different types for different sectors. And base rate for providing
loan to their customers is 12.58% in this bank. There are different types lending policy for
different sectors as follows.

 Overdraft loan:- this loan includes

 Business overdraft loan

 SME loan revolving
 Easy loan revolving
 Share loan revolving
 Real state loan revolving

 Term loan includes

 Working capital loan

 Real state loan

1.1.6 Services of kamana sewa bikash Bank limited

Kamana sewa bikash bank is one of the "B" levels bank permission given by Nepal rastra bank ltd.branch
bank available in our city mahendranagar which main head office ia at kathmandu 30 ganeshwor . In this
bank employee or staffs can give fast and better services to their customer and gives more other
services which are as follows.

 free ATM service

 free mobile banking
 free ABBS
 interest payable at monthly, quarterly , semiannually and annually to their
customers.
 e.sewa
 receeiving remittance freely

Major Service Offered by kamana sewa bikash Bank limited are as follows
A. Debit Card and credit card
Kamana Sewa Bikas Bank is a member of National Payment Network ( NPN), belongs to
Nepal Investment Bank Limited which has a large number of member bank's ATM and POS
terminals inside and outside the valley. SBBL National ATM Debit Card can also be used in
 other NPN member bank's terminals as well as in ATM machine of Visa Associated
Member's Bank of NIBL. Similary, Sewa National Debit card can be used to make payment
in stores, restaurants and any other POS terminal which accepts the NPN VISA/ Visa
Electron card.

Services of cards are:

Cash Withdrawal
Fast Cash
Mini Statement
Balance Inquiry
Pin Change

Charges on other bank's ATM

Rs. 20 for Cash Withdrawal

Rs. 5 for Balance Inquiry
Rs. 5 for Mini Statement

No. of transaction per day

10 times

Limit of Transaction Per day.

Rs. 1,00,000 per day

Limit of amount per transaction.

Rs. 25,000

POS transaction will be free of cost.

B. E-Banking

Kamana sewa bikash Bank offers internet banking service to its valued customers. Now you can
enjoy the absolute freedom of banking anytime, anywhere. Why to stand in a queue? Enjoy 24*7
kamana sewa bikash-Banking from any part of the world, any time. The feel the Luxury of
complete internet banking from kamana sewa bikash I-banking gives you immediate online
access to your accounts. Banking online is easy, convenient and secure.
Here are just some of the features:
 Access your accounts, 24, hours a day, 7 days a week
 Save money and time- no more stamps or writing cheques
 Transfer funds within a group
 Utility bill payments
 Online shopping

C. SMS Banking
SMS Banking is one of the service that kamana sewa bikash Bank offers to its customers. It's a
new 24 hours banking convenience which help customer to stay on the top of any recent change
made in the bank account or a loan account through mobile phone. Service offered under SMS
Banking is as follows:
 Balance Enquiry
 Transaction notification
 Account statement Request
 Cheque Book Request

D. Inward Remittance
Remittance is one of the major income generating service of banks. Remittance service of the
bank is beneficial both to the business and personal customers as it make transfer of money
easier .It covers large percentage of its national income. It facilitates the sending and receiving
funds to / from various places. It can also promote access to financial service for the sender and
recipient increasing financial and social inclusion. Kamna sewa bikash Bank offers number of
remittance product to cater the customer need for transferring their money in and out of the
country through:
 Western Union Money Transfer
 Prabhu Money Transfer
 Himal Remit
 City Express Money Transfer
 IME
E. Any Branch Banking Services (ABBS)
Kamana sewa bikash Bank has any Branch Banking system to facilitate its customers to have
easy transaction. As well , for the solution of endless long procedure, risk of carrying hung sum
of money to the bank, wanted to take out money from your account but found out that the
bankwas convenient service is introduce. The customer can withdraw or deposit cash, receive
information about the balance in their account or obtain a statement of account is convenient
from any branch. The network is online and one can have access to his/her account from any of
the branches of the bank.

1.6 organization design and structure

Typically hierarchical is the arrangement of line of authority, right and duties of an
organization. Organizational structure determines how the roles, power and responsibility
are assigned, controlled and coordinate and how information flows between the different
levels of management. A structure depends on the organization's objective and strategy. In a
centralized structure, the top layer of management has most of the decision making power
and has control over departments and division. In the decentralized structure, the decision
making power is distribute and the department and divisional mar have different degrees of
independence. The structure can be shown as:

Figure1.7.1 Organizational Structure of kamana sewa bikash Bank Limited

(Mahendranagar Branch)
 manager
Rajendra prashad
Awasthi

senior assistant loan officer customer service

pabitra bhatt ganesh singh department
thagunna pradip gautam

1.8 SWOT Analysis

The word SWOT stands for Strength, Weakness, Opportunity and Threats. It is done to
understand the external and internal environment of an organization. The force in the
external environment provides opportunity and threats. The forces in the internal
environment provide strength and weaknesses. The major finding from the SWOT analysis of
sanima bank (Mahendranagar Branch) are as follows:

Strength,
Strength is an inherent capacity which organization can use to gain strategic
advantage over its competitors. It is related with internal environment.
 Good quality services.
 The bank has wind range of services that not only provide window financial solution but
also customize offering that suits need of customer.
For example: Telephone bill payment, electricity bill payment
 The management teams are highly qualified and well experienced in their work.
 Good relationship between customer and employee.

Weakness
Weakness is an inherent limitation which creates a strategic disadvantage for a business
organization in relation to competitors.
  There are limited areas of operations geographically.
 There is huge queue in bank; less amount of teller/cashier.
Opportunity
Opportunity is a favorable condition in the environment. It enables a business organization to
consolidate and strengthen in position.
 People are more interested in banking activities.
 It is 'B' class commercial bank.
 It has an opportunity towards global penetration due to the existence of Non Resident
Nepalese promoters.

Threats
Threat is an unfavorable condition in the environment. It creates risk and causes damage to
business organization.
 Increase number of financial institutions.
 Unstable political situation
 Fluctuation in interest rate
 Change in banking technology

1.9Financial Structure
Financial Structure refers to the way the firm's assets are financed with. It refers to the entire
liabilities side of the Balance sheet. So financial structure is the amount of total current
Liabilities, Long term debts, Preferred stock, and the common equity used to finance a firm.
Bank's activities are weighted in terms of risk and return in light of capital requirement. Bank has
established culture whereby return on capital need to be justified in light of risk involved in each
investing and operating activities. In order to access the adequacy of capital all major risk like
credit , liquidity etc. are identified , measured and reported on periodic basis. These are
monitored by the bank board and senior management periodically in addition to the monthly
review of annual audit of the bank.

Profit and Loss Account

For the Period from july16, 2018(Shrawan 01, 2074 to Ashadh 31, 2075)
 Profit and Loss Account Province 7 Total

Interest Income 0.38 693.36

Interest Expense 1.03 592.10

Net Interest Income (3.1 - 3.2) (0.65) 101.26

Fee Commission and Discount - 6.81

Other Operating Income 1.33 182.18

Foreign Exchange Gain/Loss (Net) - -

Total Operating Income (A+3.3+3.4+3.5) 0.68 290.25

Staff Expenses 0.74 91.87

Other Operating Expense 1.96 116.76

Operating Profit Before Provision (B-3.6-3.7) (2.01) 81.62

Provision for Possible Losses 0.13 78.79

Operating Profit (C-3.8) (2.14) 2.83

Non Operating Income / Expenses (Net) - -
Write Back of Provision for Possible Loss - -

Profit from Regular Activities (D+3.9+3.10) (2.14) 2.83

Extraordinary Income/Expenses (Net) - -

Profit Before Bonus and Taxes (E+3.11) (2.14) 2.83

Provision For Staff Bonus - 0.26
Provision For Tax - 0.77

Net Profit/ Loss (F-3.12-3.13) (2.14) 1.80

Balance Sheet
As On July 16, 2018 (Ashadh 31, 2075)

Total Capital and Liabilities (1.1 to 1.7) 70.69 20,655.88

Paid Up Capital - 2,502.66

Reserve and Surplus - 915.04

Debenture and Bond - -
Borrowing - -

Deposits (a+b) 69.80 16,549.27

Current A/C 0.93 229.81

Call A/C 49.40 3,032.64

Saving A/C 7.57 6,183.46

Fixed Deposits 11.91 7,086.20

Fixed Deposits(INST) - 17.16
b. Foreign Currency - -
Income Tax Liability 0.03 4.10

Other Liabilities 0.87 684.82

Total Assets (2.1 to 2.7) 68.55 20,658.71

Cash & Bank Balance 2.50 392.53

Money at call and Short Notice 55.85 3,443.64

Investments - 774.19

Loans and Advances (a+b+c+d+e) 31.14 15,388.79

Term Loan and others 31.14 15,388.79

Real State Loan - -
Housing Loan - -
Agriculture and Micro Loan - -
Deprived Sector Loan - -
Hire Purchase Loan - -
Staff Loans and Facalities - -

Fixed Assets 0.92 339.74

Non Banking Assets - -

Other Assets (21.85) 319.82

 KEY RATIOS Province 7

Credit to Deposit Ratio(CD) 45%

Interest Suspense 0.18
Staff Cost to Total Revenue Ratio (%) 108%
Cost to Income Ratio 395%
NPL RATIO(%) (NPL AS ON 1ST Quarter) 0.42%

CHAPTER II
2. JOB PROFILE AND ACTIVITIES PERFORMED
2.1 Job Profile
Internship program is a medium to provide students with real time working experience so that
they acquire knowledge in a practically oriented manner. This knowledge is different from the
textbook knowledge because the theories in textbooks are based on many assumptions which are
not applicable in the practical environment. During my internship period I performed many
activities such as giving information regarding the bank to the customer, opening and closing of
account, issuance of cheque, filing of document, remittance services etc.

The practical approach of internship also enables the students to learn what problems the
organizations face in terms of employees diversity, the pressure that every organization face, the
regularity environments they have to work in and other variables that are prominent in the real
working environment. The primary objective of the internship is to enable the students to
transform the academic knowledge learnt throughout the years into the practical real world
environment. It can be considered as a practical of all the subjects and techniques learned in the
classroom. Since theoretical knowledge is not sufficient in this competitive environment, in the
4th semester of BBA program, students are required to work in the financial institution for where
they can experience real work environment.

It also helps in understanding organizational environment and culture. Internship program

enables in acquiring skills and techniques by experiencing practical work situations directly
applicable to develop the career on financial sectors. In some situation, internship program also
helps in getting the job in host organization or other organization.

2.2 Activities performed in the Organization

During the internship period, internee was placed in the customer service department . Different
activities that were performed in customer service department of the organization in this
internship duration were as follow:
 Opening Personal and Corporate Account
 Balance checking and signature verification
 Solving the various problems related to ATM cards.
 Helping the customers in filling up the various forms like account opening form related to
personal account, joint account, corporate account, ATM application form, renewable of
debit card application form; fixed deposit form, account closing form, SMS banking
form, cash/cheque deposit slip.
 Issuing of cheque books, ATM cards, account statements and balance certificate.
 Telephone handling and solving the queries of the customers.
 Performing the other task like the , filing, scanning, stamping, KYC form fill up, register
maintaining of account opening, cheque registration, card issuance, SMS and internet
banking, account closed, remittance record, clearing cheque record.
 Doing various back office work like cheque binding, filing of documents, register entry.
 Dealing with customer complain and trying to solve their queries.

2.3 Observation and major findings

In order to fulfill the requirement of University, I worked in Customer Service Department of

Mahendrangar branch of kamana sewa bikash bank limited as an intern. My report is mostly
based on CSD. Thus in this section I have included the parts of the thing that I have learnt and
done. This section lays down the policy guidelines on operating the new account, its operation
and control of document. The most essential function of this department is that all the procedures
for opening and maintenance of accounts should be correctly followed. I realized discipline,
punctuality and regularity was most needed factor in an office. It helped me to develop my
socializing skills with people, to deal with the officials and to follow the office’s norms, rules
and regulation. Every organizations faces difficulties but it depend on their ability to solve it and
makes worth out of it.
In KSBBL there are some difficulties that I faced during internship period. These difficulties
may create lots of problem in achieving the goal of bank and capture the market. Such problems
if not solved affects on organization environment, individual performance and finally affects on
the success.

Chapter III

Lesson, learnt and Feedback

3.1Lesson learnt
The banking sector is the one of the service sectors which is vital for the uplift of the economy
for the country and is dominant in the present context. The work in the bank is a really
challenging one which was learnt during the internship at the kamana sewa bikash Bank. I would
be able to know the banking system through my internship and get the practical exposure but I
found it was quite different experience.
Moreover, willingness to learn and taking initiative is essential to gain comprehensive
knowledge about the work. The two month internship at kamana sewa bikash bank limited did
not only give me an opportunity to learn about the basic activities of the various departments but
also helped to shape personality and character to greater extend.
Some of the experiences that are gathered during the internship period are:
 Dealing with people from different background mostly in remittance department.
 Develop strong work ethics from internship.
 Learn to work in team and individually to perform the assigned task.
 To build communication skills, analyze work place relationship, build greater
networking, and socialize with many people.
 Learn the organization environment.
 Motivated employees are needed to grow the organization.
 Organization should maintain good relations with customers to survive.
 Coordination of workforce and the various activities for smooth operation of the bank
 Importance of time management and punctuality
 Promotion of efficiency and effectiveness through sincerity and confidence
 It helped to familiarize the gap between theoretical knowledge and real life situation
 Self-confidence
3.2 Feed back to the organization
By working as an internship at kamana sewa bikash Bank and observing its working
environment and procedures some areas of improvement has been identified. Therefore, the
following measures are recommended to the bank for enhancing its performance:
1. It was also seen that the customers had to wait for a longer period of time in the cash
counters due to limited counters with which the customers were dissatisfied. Therefore, SBL
should also try to increase the number of cash counters to minimize the waiting time of the
customers.
2. Kamana sewa bikash bank should increase the number of ATM machines both within and
outside the valley so as to attract more customers towards the bank.
3. Adopting efficient marketing strategies to encourage more of the customers will help SBL to
successfully compete with other banks.
4. Though at present SBL is providing training programs to its employees at a certain level, it
should organize such programs on a regular basis so as to enhance the skill and competency
of staff.

3.3 Feedback to the College/University

1. University maintains coordination with different organization. Show that its help to the
student to do internship.
2. University organized different seminar for the student welfare.
3. Some Teacher need to visit in banks or other financial institutions to ask about the
student's performance.
Conclusion
During my two months of internship program it was different experience and exposure to the real
work scenario. I learnt a lot about the banking sector and banking operations, about KSBBL.
This report had made to know about various kinds of information/ service offered to customers
by KSBBL. This internship period helped me know how an organization can be different from
other through people resources which are inimitable to gain competitive advantage. In such a
work environment, various activities could be performed that not only helped in building a
professional but hopefully benefited the organization to some extend as well.
This report is based on the internship done in KSBBL for the period of eight weeks. During the
internship period, the area worked on CSD. It was great opportunity for me to have a practical
knowledge of banking activities in a real environment of KSBBL. The main reason for which the
internee had selected KSBBL was its policy to provide opportunity for the internees to learn
about the working environment.

The prime objective is to obtain the professional experience by exposing to the corporate culture
and implementing the knowledge that has been learnt. I got the chance to socialize with people
and found that people of KSBBL are highly committed to serve the customers and deal with their
issues. At the work environment, I got an opportunity to observe, how people work in team and
how they put their synergized effort for better outcome. KSBBL is constantly attempting to
provide better and quality service to the customers. The behavioral issues are also critical as they
make customer feel satisfied.
At last, I would like to once again thank KSBBL, all the staffs of KSBBL for their support,
suggestions and cooperation. As a whole, my internship was interesting, memorable and
knowledgeable.

REFERENCE

1. https;//www.kamans sewa bikash bank.com.np,2017

2.www.google.com

3.www.Scribd.com

4.Annual report of kamana sewa bikash Bank LImited