AN INTERNSHIP REPORT

ON
CUSTOMER SERVICE DEPARTMENT
SUNRISE BANK LIMITED
(SANKHAMUL BRANCH) KATHMANDU

Submitted By: -
Ram prasad chapai
PU Registration No: -127-2-2-01698-2016
Asian College of Management &Technology
Batch (2016-2020)

An Internship Report Submitted to the

Purbanchal University, Faculty of Management
In partial fulfillment for the Degree of
Bachelor of Business Administration (BBA)
March,2020
Kathmandu
 DECLARATION

This internship Report entitled An Internship report on Sunrise Bank", submitted by Ram
prasad chapai in partial fulfillment of the requirements for the award of BBA degree of
Purbanchal University submitted to Asian college of Management comprises only my work
due acknowledgments have been made to materials used in the report under the supervision of
Mrs. Amit Gupta an, the Facilitator of Asian and Mr. Saroj Acharya Branch Manager, Shreya
Shrestha, Poonam Bhandari, Resham Shrestha of Sunrise Bank.

………………….

Ram prasad chapai

BBA 7th Semester

Asian College of Management & Technology

i
 ACKNOWLEDGMENT
This report is set up under the extraordinary arrangement of the commonsense field learning
which is set up to satisfy the necessity of Bachelor in Business Administration. This sort of
work is key for any administration understudies that give us chances to get presented to
practical information and implications, giving ongoing critical thinking circumstances. I
might want to thank our colleague for their support and encouragement.

A genuine thank to our venture counsel Mr. Amit gupta for her valuable direction and
eagerness in readiness of this temporary position report and my field boss Ms. Poonam
Bhandari, Mr. Saroj acharya, Ms. Syria Shrestha. Further, I would like to express my sincere
thanks to Purbanchal University and Asian college of Management, for providing the
opportunity of internship. Lastly, 1 would like to thank all other supervisors and senior
interns, who guided me throughout the internship program in SBL. The guidance’s that I
received, helped me to perform my best and learn things that will surely prove to be helpful in
my career.

Ram prasad chapai

BBA 7th Semester

ii
 TABLES OF CONTENTS

COVER PAGE

RECOMMENDATION LETTER

INTERNSHIP LETTER

VIVA- VOCE SHEET

Declaration
ACKNOWLEDGEMENT……………………………………………....................................ii

LIST OF TABLES………………………………………………………………………. ….vi

LIST OF FIGURES………………………………………………………………….……....vi

ABBREVIATION…………………………………………………………………….……. vii

EXECUTIVE SUMMARY

CHAPTER ONE: INTRODUCTION………………………………………………….…...1

1.1 Introduction of Sunrise Bank Limited 1

1.1.1 Vision1
1.1.2 Mission 2

1.1.3 Objectives2

1.2 Brief History2

1.3 Nature of Organization4

1.4 Business Volume4

1.4.1 Financial Structure of SBL4

1.4.2 Performance of SBL5

1.5 Nature and Number of Employees6

1.6 Product and Services.7

1.6.1 Accounts and Deposits……7

1.6.2 Agriculture Lending8

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 1.6.3 Housing Loan10

1.6.4 ABBS10

1.6.5 E-Banking10

1.6.6 Mobile Banking11

1.6.7 SRBL Mobile pay Service11

1.6.8 Cash Deposit Machine (CDM) Service 12

1.6.9 ATM Card12
1.6.10 ASBA and DEMAT Service 12
1.6.11 Locker Service 13

1.7 Organization Design and Structure13

1.7.1 Organization Design 13

1.7.2 Current Board of Directors of RBBL13
1.7.3 Current Management Committee 14
1.7.4 Organization Structure of corporate branch14
1.8 Objectives of the Study15

1.9 Methodology16

1.9.1 Sources of Data16

1.9.2 Organization Selection16
1.9.3 Placement of Internship17
1.9.4 Duration of Internship17
1.9.5 Activities Performed in the Organization17

1.9.6 Limitation of the study18

CHAPTER TWO: OBSERVATIONS19

2.1. Corporate branch19

2.2 Daily Task and Activities19

2.3 Problem Encountered during fulfilling work Responsibilities22

CHAPTER THREE: ANALYSIS AND REVIEW23

3.1 Critical Analysis of the theoretical Concepts23

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 3.1.1 SRBL General and Competitive Environment23
3.2 SWOT Analysis of SRBL24

3.3 Key Strategies of SRBL25

3.4 Annual Program of SRBL26

3.5 Core Values of SRBL26

3.6 Knowledge Gain from the Work Assigned26

CHAPTER FOUR: CONCLUSION AND RECOMMENDATIONS28

4.1 Conclusion28

4.2 Lessons Learnt 29

4.3 Contribution of Internship in Knowledge Gain30

4.4 Comments and Suggestions for SRBL31

REFERENCES32

ANNEXURES33

ANNEX 1: Board of Directors of SRBBL33

ANNEX 2: Management Committee of SRBBL33

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 LIST OF TABLES PAGE NO:

Table 1.4.1.1: Financial Structure of SRBL 4

Table 1.4.2.1: Performance ratios of SRBL for 5 years 5

Table 1.4.2.2: Performance Indicator of bank for 5 years 6

Table 1.5.1: Nature and Number of Employees 7

Table 1.9.3.1: Placement during Internship 17

LIST OF FIGURES

Figure 1.7.1: Organization Structure of Retirement Fund 15

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 ABBREVIATIONS

ASBA Application supported by blocked amount

SRBL Sunrise Bank Limited

BM Branch Manager

ABBS Any Branch Banking System

ATM Automated Teller Machine

B.S. Bikram Sambat

BBA Bachelor of Business Administration

CV Coefficient of Variation

HRD Human Resource Department

SMS Short Message Service

F/Y Fiscal Year

IT Information Technology

JVBs Joint Venture Banks

LTD Limited

CRN Client Registration Number

NRB Nepal Rasta Bank

MICR Magnetic Ink Character Recognition

HO Head office

USD United States Dollar

RD Remittance Department

FC Foreign Currency

KYC Know Your Customers

DEMAT Dematerialized Account

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SWIFT Society for World Wide Interbank Financial Telecommunication

viii
 EXECUTIVE SUMMARY

This project has been conducted to partial fulfillment of the course required for the degree of
Bachelor in Business Administration (BBA).

This report has been divided into different topics. The first part of the report is the
“Introduction’’ which defines about the background of the study, Overview of the
Organization, Nature of the Organization, business volume, organizational structure etc.
The second part is “Objective’’ which shows about the internship is to acquire learning as
well as working experience and gain practical knowledge.

The third part is about “Methodology” description of the procedure followed while collecting
data and information. The fourth and fifth part include “Observation” and “Analysis and
Review” which contain function of the concerned department, and knowledge gain from the
work designed. The sixth part and last part includes “Conclusion and Recommendation”
and attached “Appendix reference” which shows about general comments and conclusion
etc.

The analysis shows that Sunrise Bank Limited has been able to struggle overcome all the
economic, non- economic and competitive barriers to establish it as a financially feasible unit.
Sunrise Bank Limited has been regularly coming up with new and innovative product &
services to attract new customers. The services provided by Sunrise Bank Limited (SRBL)
is highly appreciable.
 CHAPTER-ONE
INTRODUCTION

1.1 Introduction of Sunrise Bank Limited

A bank is a financial institution that primarily accepts deposits and creates credit. Banks also provide
financial services, such as wealth management, foreign currency exchange and safe deposit lockers.
There are two types of banks: Commercial Banks and Investment Banks. Generally, Banks are
regulated by the national government or central bank.

The major objectives of Central Banks are Currency Stability, Inflation control and Monetary policy
and control of money supply in an economy. Some of the world's major central banks are U.S Federal
Reserve Bank, the European Central Bank, the bank of England, and the bank of japan the Swiss
National Bank and the people's Bank of China.

In an economy driven by appetite for success, Sunrise Bank Limited is "Rising to Serve" by defining
new levels of services and products. As a bank founded by reputed entrepreneurs, they understand the
needs of a growing economy and are well equipped to serve.

Their team of seasoned banking and management professionals has dedicated themselves to
establishing an institution determined to cater to the needs of all, be it big or small. Our aspirations are
their benchmarks and we will always be "Rising to serve".

Sunrise Bank Nepal Ltd. provides personal and business banking products and services. Its personal
banking products and services include savings deposits, fixed deposits, and loans; and business
banking products and services include loans and advances, demand loans, fixed term loans, import
loans, overdraft loans, short term pledge loans, export financing, hire purchase, deprived sector loans,
SME loans, loan against bank guarantee, loan against government bonds, loan against shares, loan
against fixed deposits of other banks, consortium loans, and gold loans. The company also provides
locker, Internet banking, remit, and mobile banking services, as well as Visa debit cards.

1
1.1.1Vision

"To provide innovative banking services to everyone, every time and everywhere for the economic
growth of the nation."

Sunrise bank visions to “you and us…. together we built”. And missions to Establish sunrise bank as a
lead bank in all places of their branch location national wide.

1.1.2 Mission

"To provide easy and innovative banking products and services for our customers by implementing
one stop service concept from our wide network using our modern technology qualified human
resources in competitive environment. We always look for the benefit of the local communities
supporting entrepreneurship, social responsibility and economic prosperity of the nation."

1.1.3 Objective

The major objectives SRBL are as follows:

I. Focus on providing innovative financial services.

II. Increase in capital base of the Bank by meeting the minimum capital requirement.

III. Increase in business growth and market share.

IV. Enhance operational efficiency.

V. Increase in sustainable profits.

VI. Focus on empowerment of deprived class.

1.2 Brief History

The origin of the banking system in Nepal started with the name of Shankedhar, a Sudra merchant of
Kantipur who paid all the outstanding debts in the country. In historical term, there is a story that
Gunkamdev borrowed money in 723 Sambat to reconstruct Kathmandu. In the 11th century, during
Malla regime, Jayanthi Malla developed 64 different classes of caste according to their occupation.

2
During that period, Tankadhari which is a moneylender provided debt. "TejarathAdda” was
established in 1877 A.D. during the tenure of Ranaddip Singh, and it was converted into government
financial institution providing credit facilities to people at low-interest rate of 5 percent. TejarathAdda
distributed credit facilities to the public especially on the collateral of gold and silver, but it didn’t
collect the deposit from the public.

After a long period, the government started t shmeat of Nepal Bank Limited (NBL) in 1937 A.D.
under “Nepal Bank Act, 1937”. It is the first bank in Nepal and prior to this, there was no
such organized banking system in the country. After the establishment of this bank, different
services like accepting deposits, extending credit facilities for promotion of trade, rendering
customer related services and investing in government bond and securities were offered to
general public. This bank also performed agency function and acted as the banker to the
government. In fact, it conducted all the functions of the central banks (except issuance of
paper money) till the establishment of NRB.

Nepal Rasta Bank, the Central Bank of Nepal, was established in 1956, to discharge the
central banking responsibilities including guiding the development of Financial Sectors in
Nepal. Its major aim is to regulate the issue of paper money, secure country wide circulation
of Nepalese currency and stability in its exchange rate, mobilize capital for economic
development and for trade and industry growth; develop the banking system, thereby,
ensuring the existence of banking facilities and generate economic interest in the general
public.

Another commercial bank, Sunrise Bank limited (SRBL), was established in 2007 oct 12,
realizing NBL alone couldn’t extend adequate service to the country in terms of commercial
banking. It had a free hand in the commercial business of the country and this bank solely
handled import-export trade. After the establishment of SRBL, to promote healthy
competition among banks, commercial Bank Act 1974 was amended in 1974. The new policy
allowed joint venture banks with foreign collaboration to operate in private sector with the
objective of introducing modern banking practices and widen the financial structure. With the
introduction of this policy, different commercial banks were established.

The Nepal Arab Bank now NABIL Bank was co-owned by the Emirates Bank International Limited
Dubai, the Nepalese Government and the Nepalese public was the first joint venture bank established
in 1984. Similarly, The Nepal Indosuez Bank now Nepal Investment Bank in 1987 was jointly owned
by the French Banque Indosuez Bank, Nepal Grind lays Bank in 1990 (presently known as Standard
Chartered Bank) etc. some commercial banks in Nepal.

3
1.3 Nature of the Organization.

In an economy driven by appetite for success, Sunrise Bank Limited is "Rising to Serve" by defining
new levels of services and products. As a bank founded by reputed entrepreneurs, we understand the
needs of a growing economy and are well equipped to serve them.

Our team of seasoned banking and management professionals have dedicated themselves to
establishing an institution determined to cater to the needs of all, be it big or small. Your aspirations
are our benchmarks and we will always be "Rising to Serve".

1.4 Business Volume

Sunrise Bank Limited is Private ownership bank with NPR 8 billion, in paid up capital. Sunrise bank
provides service to the public all across the nation. SUNNRISE Bank has 106 branches, 29 branchless
banking units and 4 extension counters.

1.5Major Markets and Customers (nature of Organization)

Sunrise Bank Ltd. is an "A" class commercial bank classified by Central Bank of Nepal. Sunrise Bank
has been able to expand its services through establishment of branches throughout the country. People
of Nepal from various geographic regions are able to purchase the products and use the services
provided by the bank. The market for the bank is widespread over the places of Nepal.

As per bank they say the bank understand that banking is no longer a numbers game. "success" for us
is not just a margin. We understand that you are looking for a friend. A friend to understand, evaluate
and invest in your dreams and aspirations. A friend who will safe guard your savings and give you the
best value for it. For us success is your hand in friendship.

I was deployed in Credit Department of Main Branch. It is one of the most important department of a
bank that generates the major source of income for bank i.e. Interest Income. The Credit Department
of Main Branch provides different loan products not less than NRs. 5.00 Lakhs. It has large customer
base and good position of Credit portfolio. People purchase different loan products such as SME Loan
(Small Medium Enterprises), Overdraft, Margin Lending and so on. Sunrise Bank Ltd has large
customer base from low income to high income earning people.

4
1.4 Product and Services
SBL generates significant revenues through credit creation and the funds from deposits are used for
credit creation. As such, the major products of SBL are

• Deposits
• Loans and Advances
Along with these products, other services that significantly contribute for SBL's revenue generation
and customer retention include:

• Suryodaya Remit
• Locker Branchless Banking
• Internet Banking
• Mobile Banking
• Sunrise Visa Debit Card
• Extension Counter

1.4.1 Deposits
Deposits are the major sources of fund in SBL. Deposit is the amount placed by
individuals and corporate groups in the bank for safekeeping and is subject to
withdrawal on the demand of the depositor or at the time of maturity of stated period. Deposits are the
major liability for any banks and in case of liquidation, deposits are settled first and foremost. Deposits
are facilitated through variety of accounts and they are:

a) Fixed Account
A fixed account requires the depositor to deposit a fixed sum of money for a fixed period of time. A
penal interest is charged in case of withdrawal of fixed deposit prior maturity. The interest is paid on
quarterly basis. Fixed account can be
opened by individuals, minors, clubs, societies, associations and trusts.

5
Time Interest Rate
Individual
6 Months 7.00%
1 year 7.50%
18 month and above 8.0%
Corporate
1 year 8.50
18 month and above 8.60
Interest payable on quarterly basis*
Table 1 Fixed Deposit Schedule

b) Saving Account
A saving account is an interest-bearing account. In SBL, interest is calculated on daily
balance and credited to the account on quarterly basis. The minimum balance for saving
account depends on the nature of saving account. Such balance is subject to any incidental
charges that SBL specifies during the period. To keep the records of savings and transactions
as well as to be updated with the status of the account, a passbook is provided to the
depositor. The types of saving account in SBL are:
• Normal Savings
• Sunrise Payroll Savings
• Sunrise Fat Savings
• Sunrise Exclusive Bachat
• Sunrise Bal Bachat
• Sunrise Share Dhani
• Sunrise Pink Bachat
• Sunrise Remit Bachat
• USD/GBP Saving

• Sunrise Senior Citizen

• Sunrise Super Savings
• Sunrise Krishi Karja Saving

6
• Sunrise Disability Saving
• Sunrise, Share Lagani Khata
• Sunrise Bisesh Bachat
• Euro Saving Account
c) Current Account
A current account is non-interest-bearing account. Only the corporate bodies can open a
current account. It is especially designed for corporate bodies that are indulged in frequent
transactions. SBL provides the current account holder with cheque book. A semiannual
statement is sent to keep track of the transactions carried out by the account holder.
Additionally, the bank may provide the statement daily, weekly or monthly as per the request
made.

1.4.2 Loan
SBL provides wide range of loan products for both individual and corporate. It is the major
source for income earning of the bank. Dome of the loan products are

a) Sunrise Ghar Karja

This loan is basically focused for those who dreams to own their home. The interest are
highly competitive. The interest rate ranges from 8.50% to 13%.

b) Sunrise Sajilo Karja

Sunrise Sajilo Karja can be disbursed for social, personal, business purposes. This flexible
loan allows the borrower to fulfill all personal financial requirements. We offer loans in line
with the clients' repayment capacity and the usage of the loan.

c) Term Loan
A term loan is a monetary loan that is repaid in regular payments over a set period of
time. Term loans usually last between one and ten years, but may last as long as 30 years in

7
some cases. A term loan usually involves an unfixed interest rate that will add additional
balance to be repaid.
d) Sunrise Surakshit Ghar Karja
A home loan product tied up with endowment life insurance policy--this is a unique loan
product being offered to the customers for the first time in the
Nepalese banking sector. The loan limit ranges from 0.5 million to 10 Million. Under this
scheme, each borrower will have life insurance policy commensurate with the loan amount
and tenure of the house loan. Insurance company will pay full loan amount to the bank on
behalf of the borrower within the loan tenure.
Therefore, the borrower will bear say interest portion only making the EMI
significantly lower than in normal home loan.

1.4.3 Suryodaya Remit

It is an electronic online cash exchange result of the bank intended to encourage exchange of
assets by Nepalese exiles working/living in remote nations and in addition for residential
exchange of assets. Suryodaya transmit is secured by method for VeriSign and computerized
authentications mapped to every client independently. it is quick, moderate and secure.

1.4.4 Locker
Sunrise Safe Deposit Locker is facility furnished to the individual and institutional customers
who prefer to safe deposit precious gems & jewelries and important documents to evade the
probability of increasing theft, burglary and fire. The Safe Deposit Locker has been the first
choice for the safest custody of the valuable goods with flexibility of time to store and take
away when required. The Bank has varied sizes of Safe Deposit Locker to select from.
Lockers facility can be availed from selective Branches of the Bank.

1.4.5 Branchless banking

Branchless saving money is a practical channel for conveying budgetary administrations
without depending on the customary bank branches. Branchless managing an account gives
essential keeping money benefits through NIBL specialists having Rio-metric POS devices
(with unique mark scanner).

1.4.6 Internet banking

8
Web based keeping money otherwise called web saving money e-managing an account or
virtual banking, E-saving money or virtual saving money, is an electronic installment
framework that empowers clients of bank or other monetary organization to lead a scope of
budgetary exchanges through the monetary institution's site.

1.4.7 Mobile banking

Mobile banking is a service provided by a bank or other financial institution that allows its
customers to conduct a range of financial transactions remotely using a mobile device such as
a mobile phone or tablet, and using software usually called an app, provided by the financial
instructions for the purpose. Mobile banking is usually available on 24hour basis. Some
financial institutions have restrictions on which accounts may be accessed through mobile
banking as well as a limit on the amount that can be transacted

1.4.8 Extension counter

There are no inflexible rules, but banks for the most part open augmentation counters in spots
like colleges, large government or private foundations and so on with the end goal of
conveying fundamental saving money administrations at their doorstep, even however
opening a branch may not be a feasible proposition. Therefore, the expansion counters would
by and large capacity from littler premises and with less number of representatives, for
rendering just essential keeping money services.so, as a rule the accompanying
administrations for the most part would not be accessible:

o Credit Products
o Safe Deposit Lockers
o Foreign exchange services etc.

1.5 Organizational structure

9
Figure 1 organization structure (source: sunrise bank)

1.8 Objectives of the Study

10
Internship is the most important part of BBA program. It provides us to gain the practical scenario of
the organization. We can even get to know about the real work experience and depicts the challenges
faced and problems solved. Internships offer us the chance to test our skills in real-life situations,
explore our career options and gain an insight into an organization or career path.

The objectives of internship are:

 To understand the corporate work culture and get adjusted in it.

 To present the understanding of banking organization and its working procedures.
 To observe the general banking procedure and workflow.
 To get close access of utilization of fund by bank.
 To learn about the important document required for collection of fund.

1.9 Methodology

The study is based on both primary and secondary data collection methods. The required information
for the study was taken mainly from the personal interview i.e. formal and informal, website of SRBL,
data provided by Fund Administrator of Retirement Fund.

1.9.1 Sources of Data

The following sources have been used to collect the necessary data:

1.9.1.1 Primary Source of data

The required information was collected through the discussion and information provided by:

 The Fund Administrator of Retirement Fund.

 By Personal observations.
 Discussion with the customer regarding internship.

1.9.1.2 Secondary Source of data

The Secondary data was collected from the secondary Sources like:

11
  Annual report
 voucher
 Strategies and Programs
 official website
 and other publications.

1.9.2 Organization Selection

Internee can select any organization to do intern so; I have selected the Sunrise Bank Limited, Central
Office, Gairidhara, kathmandu for the internship program recommended by BBA, Asian College of
management and Technology, a partial fulfillment of degree of BBA in Purbanchal University. I have
selected SRBL because I got a chance to work in “customer service department” as it gave an
opportunity to study about the KYC and also update KYC in different banks. It also gave me an
insight about how much fund is there in retirement fund and the schemes related to it. For example, to
do meta-analysis of KYC of 28 commercial banks using different parameters to measure it. It allows
us to build on the theory which we have learned at college and helping us to gain practical skills that
will help strengthen our CV and make us more employable also for learning various aspects of
working environment with the aim to build confidence by developing interpersonal and managerial
skill in the real field became a source of inspiration in my professional career.

1.9.3 Placement of Internship

During the internship period of eight weeks I was placed in Sankhamul Office of SRBL, Retirement
Customer service department, I learned about different procedures regarding KYC update in other
banks. In Risk Management and Credit Monitoring department, I analyzed about different types of risk
occurring in different branches of the bank. There Internee have to work under MS- Excel, enter the
various data, calculate them by using various formula which we have provided and gain some practical
knowledge, also able to use our theoretical knowledge in real life being familiarized with the
organizational settings.

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Table: 1.9.3.1 Placement during Internship

Week 1st 2nd 3rd 4th 5th 6th 7th 8th

Corporat 
e branch

1.9.4 Duration of Internship

The duration of internship period has been defined for eight weeks by Purbanchal University. So, I had
completed 2 months in the Sunrise Bank Limited, Central Office. I worked in SBRL from 20 th Oct
20019 to Dec, 19th during this period, I spend few days in analyzing and adopting that environment by
doing some easier work. Later I spend my whole internship in that department by doing various
financial transaction, analyze, calculation which helped me to have insight knowledge gain practical
skills and its working procedure and last few days in collecting the necessary information and data
which could help me in preparing my internship report. Internee was able to learn the bank culture,
work environment and working procedure of SRBL.

1.9.5 Activities Performed in the Organization

During 7 weeks of my internship tenure, I was deployed in Credit Department. CRD is one of
the most important and essential department for each and every bank as it generates the major
income source for a bank i.e. interest income. As the main branch and the head corporate
office are in same building, I got the opportunity to watch the coordination between the
branch and the corporate office. SBL has its tradition to celebrate their staffs birthday, "Daar"
Party and so on. The activities I performed within 7 weeks were based on my acquired
knowledge and intuition. It allowed me to relate my studies in the practical working
environment.

Learnings:

• Coordination and respect among staffs.

• Listen and understand the customers.

• Two-way communication is very vital.

• Dealing with the customer through psycho-analysis

• Brain Storming and Team Work.

13
• Positive Organizational Behavior.

• Motivation and Self motivational techniques.

• Decision making, cognitive learning.

• Following and respecting the work ethics.

1.9.6 Limitation of the Study

The study has to be conducted and submitted within a prescribed time. So, there is a time constraint.
The following are the limitations of the study:

• Lack of time is foremost limitation of this field report writing

• Since the study is based on secondary data, the findings are based on information provided.

• The data and information may not be much in detail due to the security mechanism of the bank.

14
 CHAPTER: TWO

OBSERVATION
2.1Corporate Branch

Corporate branch is the where corporate i.e. large amount of loan is managed. Their client is
generally organization corporate branch provide loan more than ten crore. Corporate branch also
provides share loan. Corporate branch provides forex facilities, locker facilities, fill up share with the
help of ASBA. corporate branch is the one of highest deposit collector and also have highest profit.

2.2 Daily Task and Activities

Internship period is that training time where you want to achieve the practical knowledge of
the lessons you learned during your all semesters. Two months interning at Sunrise Bank
Central Office, one of the renowned banks was a journey to learn regarding Corporate
department. Internship in the department made me learn about not only the credit section but
also foreign exchange department and C-ASBA department. The employees were highly
supportive and responded the queries patiently. It was their kind feedback and response
through which assigned task were completed properly and efficiently.
During the internship period, as an intern performed the following various activities:

2.2.1 C-ASBA
ASBA (Applications Supported by Blocked Amount) is a process developed by the India's
Stock Market Regulator SEBI for applying to IPO. In ASBA, an IPO applicant's account
doesn't get debited until shares are allotted to them.
After the completion of the entry in the software system, again some of the data had to be
recorded manually in the employee identity card as well as in the employee file where all the
require information about the staff as well as the designation and transfer details were
maintained. ASBA means “Applications Supported by Blocked Amount”. ASBA is an
application containing an authorization to block the application money in the bank account,
for subscribing to an issue.

15
If an investor is applying through ASBA, his application money shall be debited from the
bank account only if his/her application is selected for allotment after the basis of allotment is
finalized, or the issue is withdrawn/failed.

2.2.3 Foreign Exchange

The foreign exchange market (Forex, FX, or currency market) is a

global decentralized or over-the-counter (OTC) market for the trading of currencies. This
market determines the foreign exchange rate. It includes all aspects of buying, selling and
exchanging currencies at current or determined prices. In this department my job was to fill
up the application forms, check the amount, photocopying the documents and checking if the
documents are sufficient and as per requirements. Also, at the end of the day I maintained the
book where opening and closing balance of the foreign currencies were recorded along with
Nepalese currencies.

2.2.4 Preparation of Margin Call

A margin call happens when a broker demands that an investor deposits additional money or
securities so that the margin account is brought up to the minimum maintenance margin.
A margin call occurs when the account value falls below the broker's required minimum
value. Once every week I prepared margin call sheets with the help of excel of different loan
clients of SRBL.

2.2.5 Filing
All the documents of collateral, pledge acceptance, loan approval Letters, chic reports of the
loan client were maintained under a file.

2.2.6 Printing of Cheques

Cheques of only loan clients were issued in head office so I
performed the activity of issuing cheques to those clients whose loan limit was more than 5
crore and then approving those cheques through the software. This service was not provided
to the general publics.

16
2.2.7 SWOT analysis
During the internship period I performed swot analysis of few companies whose loan
approval was yet to be approved from the loan and some department.

2.2.8 Prepare projected statement for credit analysis

During the internship period I prepare projected income statement and balance sheet for the
purpose of credit analysis

2.2.9 RATIO Analysis

During the internship period I should also prepare ratio analysis to know the overall
performance of the company

2.3 Problem Encountered During fulfilling Work responsibilities

As an internee I have encountered various problems which are listed below: -

 I have assigned responsibility to fill-up share with the help of ASBA and INFOSYS
FINACLE sometimes there are high work overload.
 Problem related to time schedule because of collage time and bank time
 Problem related to non-functioning of various services.
 Someday as a intern assigned more work and someday no work
 During the duration of closing time it’s hard to manage customers need.
 As an internee, I found myself causing several errors while fulfilling the
Forms of customers.

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 CHAPTER-THREE

ANALYSIS AND REVIEW

3.1 Critical Analysis of the theoretical concepts

I have analyzed the data which I gained from both primary sources as well as secondary
sources to make some critical analysis of the bank. Some of them are as follows:
3.1.1 SRBL General and Competitive Environment
No organization exists in isolation. It is affected in one way or the other by the various forces
that occur in the environment. These forces are made up of opportunities and threats. The
environment can divide into main two parts namely the internal environment and the external
environment.

3.1.1.1 Internal Environment

The internal environment includes the forces within the organization which affects the success
of the organization. An organization can be analyzed based on its resources, culture and
structure. Rastriya Banijya Bank Limited has adequate resources adding value to the
company. These resources define the company distinctly in the market. The company’s
corporate culture and how the organization is structured determine the strength or the
weakness of the company. It is under the control of Management.

3.1.1.2 External Environment

It includes the general forces of the society that do not affect the short-run activities of the
organization but might affect the long-run activities of the organization. It is out of control of
Management. Such forces are:

3.1.1.2.1 Economic Environment

These are the forces of the society such as GDP trends, interest rate, money supply,
unemployment level, inflation rate, disposable and discretionary income, etc. that regulate the
economic variables of banking industry.

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3.1.1.2.2 Technological Environment
These are the forces such as: new products, total government spending on R&D, internal
availability, telecommunication infrastructure, etc. generate problem solving inventions.
3.1.1.2.3 Political-legal Environment
These are the forces such as: stability of government, law of hiring and firing, attitude toward
foreign companies, tax laws, government regulation, etc. which is beyond industry control.
3.1.1.2.4 Socio-cultural Environment
These are the forces such as: family composition, workforce culture, lifestyle, demographics,
etc. that regulates the norms, values and customs of the society.

3.2 SWOT Analysis of SRBL:

Sunrise bank Limited also has strengths, weakness, opportunities and threats. They are as
follows:
3.2.1 Strengths

 SRBL are highly committed to serve the customers and deal with their issues.
 People work in team and they put their synergized effort for better outcome.
 SRBL is constantly attempting to provide better and quality service to the customers.
 Widely spread branch network with 100% ABBS and ATMs covering both urban and
rural areas.
 The bank is also in the frontline towards fulfilling corporate social responsibility.
 The bank has been working as a development partner by acting as a fund administrator
of Poverty Alleviation Program.
 Government’s agency bank and also playing role of Banker’s Bank after Nepal Rasta
Bank.
 Capital base further strengthened after merger with NIDC.

3.2.2 Weaknesses

 Higher staff cost.

 Lack of efficient utilization of Management information system.
 Inadequate credit monitoring.
 Absence of strong marketing activities.
 Poor ATM service.

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3.2.3 Opportunities

 Growing investment- friendly climate increasing opportunities in trade and service

sector.
 New young employees will be injected in the bank which will increase efficiency of the
bank.
 Branch expansion- Nepal government has initiated program to start a bank in every
local body, this has provided an easy path for SRBL to expand its branches.
 Growing economy: The economic growth is supposed to be quite optimistic with the
political stability.
 Changes in new technology in the banking sector has provided new opportunities to the
bank.
 Urbanization: Growing investment-friendly climate increasing opportunities in trade
and service sector.
3.2.4 Threats

 Similar products offered by other banks.

 Fluctuation in interest rates.
 Financial crisis.
 Higher incidence of operational risk events in the banking industry.
 Increase trend of cost of deposits in the Nepalese banking sector.
 Gradual increase in compliance cost.
 Political instability

3.3 Key Strategies of SRBL

 Branch expansion program.

 Special focus on alternate delivery channels.
 Right job to right channels.
 Reformatting of branches
 Productivity improvement not only volume improvement.
 Stride towards digital banking.
 Strengthening of Regulatory Compliance.

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  Risk Management and credit monitoring.
 Motivation of Human Resource and Skill Enhancement.
 Marketing
 Branch Office Construction and renovations.
 Corporate Social Responsibility (CSR) program.
 Program Monitoring.

3.4 Annual Programs of SRBL

 SMART Bank
 Up gradation and modification of Branches/ Offices
 Information Technology
 Expansion Program
 Subsidiary Company
 Credit and liquidity management
 Electronic Banking
 Loan Recovery

3.5 Core Values of SRBL (EISCRR)

 Excellence (E)
 Innovation (I)
 Speed (S)
 Care for Customers (C)
 Respect for people (R)
 Responsibility (R)

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3.6 Knowledge Gain from the Work Assigned

The internship program helps to learn the dynamics of work culture, professionalism and system in the
business world. Most of the things learnt during this period are related to the practical implications and
Knowledge exposures. Some of the valuable lessons the internee learned are as follows:

 Able to relate the theoretical aspects into practical implications in the banking industry.
 Learn about general activities that are performed in Corporate Branch like issue of
cheque, ASBA, registered CRN, prepare margin call, different type of lending, L/C
process
 I learn to handle problems and queries related to walk-in and existing customers.
 I learn how to deal with customers, senior staff members and co-internees.
 I know about the corporate culture of the organization.
 Wearing formal dress, greeting, being polite, having patient and being sincere in the
bank.
 The internee develops the skill about how to operate to banking software like
FINACLE and to use the technologies like fax, photocopy, printed
 I learn how to prepare financial statement in excel format for the purpose of ratio
analysis.

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 CHAPTER-FOUR

CONCLUSION AND RECOMMENDATIONS

4.1 Conclusion

Banking industries now have been the most essential component that circulates the necessary products
and services as per the needs of the society. Beside this, bank creates the environment for more
income generation in order to raise the standard of living. The development of the banks has improved
the economic condition of the country. It has helped to improve the economic condition of the people
and provide the security to the funds available to the people.

Sunrise bank Limited is one of the well-known names in banking sector with its 106 Branches, 4
extension counters, 29 branches less banking (BLB) and 121 ATM all over Nepal. The Bank with the
highest public confidence- reflected in the highest deposit base and Growing demand for branch
establishment in various parts has stood as a pyramid in the financial arena of the country. SRBL has
come up with new and more viable strategies to capture Nepalese commercial environment. The bank
has a promising future if it is able to move along the market demand.

Bank operates its business within the society and cannot be isolated. It has certain duties towards
society and the other institutions. Therefore, Rastriya Sunrise is providing to space to the students
from different areas, and has been doing tremendous job as the part of institutional relationship.

For me it was a great exposure to work as an intern at SBL especially in RFD. It brought me the
practical knowledge, able to gain skills and experience in this field. Internee now has both theoretical
and practical knowledge on banking activities. This internship really all helped me to develop the
managerial and interpersonal skills and at the same time boost up the confidence level. During this
period, I learned to perform jobs in a team and to socialize with people.

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4.2 Lessons Learnt

The internship program is to provide the students a platform and foundation for starting a career in the
field of specialization. Practical knowledge is more important than theoretical knowledge in a sense
that, once the people enter in the real work settings, diverse situation, novel problems, difficulties and
challenges may arise. Dealing with such complexities develops interpersonal as well as
communication skills to shape our personality accordingly, to deal with those types of problem.

 Operating Skills
While working as an intern, I learnt that most of theoretical knowledge has a practical
implication on the banking field. The finance concept, computer application, concept
of law, psychology, human resource management, organization behavior, marketing
communication, business communication,
and many other theories were applied practically.

 Communication Skills
The regular interaction with the people has helped a lot to develop communicating
skills. I came to know about present oneself in front of the staffs and employees in
such a way so that the supervisors feel satisfied in every aspect about their queries that
had been presented. Convincing power to the people increases while dealing with
them. I learnt to deal with various pensioners, commercials as well as other levels
bank staffs.

 Behavioral Skills
I learnt about the behavior of various people who visit and work in the bank during my
internship weeks. The behavior of employees towards customers and superior was
great achievement for me to learn during the internship period. I learnt to behave
friendly, cordially, and respectfully with each and every individual involved in
organization.

 Technical Skills
Before internship I was unable to use any of the technical operators like printers,
scanners, photocopy machine and computers. Hence, I learnt the basic necessary skills
for operating advanced technologies which are important in any organization during
internship period.

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4.3 Contribution of internship in knowledge gain
As the intern in SRBL, I have learned few other things apart from the skills, which are attitudes
towards the organization and co-workers. Some attitudes that I have learnt during my internship are as
follows:

 Attitude Towards Team Work

I was introduced as a team member and was assigned various activities that had to be
performed in a team. It taught me how activities are to be performed in a team and
impact of behavior of one effect on the work and performance of the team member. I
realized what we studied was real, the proper team work lead to synergy benefits. On
the other hand, loafing of by some team members could lead to huge negative impacts
on the overall team performance.

 Attitude Toward Management

I was committed toward the organization fully throughout the internship. The cordial
and friendly behaviors of management staffs direct my mind to be committed toward
organizational culture and policies. Hence, I was punctual and obedient towards my
work and organization management that helped me to drive positive attitude towards
management.

 Attitude Towards Customers

I showed generous behavior to all the customers who visited the bank. I greeted them
and helped them in any confusion regarding the services provided by the bank. The
customers were too friendly and devoted to help me on my fault. Hence, I had positive
attitude towards customers of SRBL.

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  Attitude Towards Employees

Each and every credit of my learning during an internship goes to employees of the
bank. They always helped me to progress on my work during my time as an internee.
All the skills that I learned during the internship are the guidance from employees of
the bank, which are vital skills for my successful time ahead. All the praiseworthy
behavior of employees is enough for positive attitudes towards employees.

4.4 Feedback to the organization:

As the organization is categorized in class A bank and is running smoothly some points I would like to
state as feedback are as follows:
• Flexibility in Products: However, SBL has been able to launch products according to the time.
More flexibility is to be brought up. This will help customers to utilize the product to the fullest.
• Advertisement: SBL must consider the latest media of advertisement. Use of social networking
sites such as Facebook, Instagram, and Twitter etc. must be boosted. Customer's query must be replied
instantly in Facebook pages.
• Maintain good PR: Sunrise Bank ought to focus on the advertising and ought to make a
symphonious association with the clients. Media is the essential weapon for a wide range of
publicizing and organization ought to keep a nearby tie with the business.
• The staffs whose job role requires frequent contacts with the customers should be
trained to deal in a patient and polite manner.

• The willingness to work should be developed among the employees through effective
incentive plans

• The technologies should be updated as the existing technologies are slowing the
processes.

3.5 Feedback to the college:

The school ought to give the essential information about every one of the divisions, its
extension, and so forth. Prior to the temporary position so that the understudies would think
that it’s simple to choose the association where they might want to assistant. The day and age
for searching for the entry level position was too short for legitimate assessment of decisions.

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• Understudies needed to pick the less good alternative because of time limitations. The
6/8 weeks' time span for temporary position is insufficient for an understudy.

• It would have been exceptional if the related University and College can give such
temporary job program in the last semester of BBA educational modules with legitimate
introduction program.

• Appropriate directing to the understudies amid their entry level position ought to be
given so that the understudies would know whether whatever they have been learning at their
work coordinate their temporary job targets or not.

• The college ought to consider making school time adaptable for understudies after the
Internship is over in light of the fact that working and increasing pragmatic learning is
similarly essential as hypothetical information.

• Inspire of all I would like to thank to Purbanchal University and Asian college of
Management, for giving such mind-blowing course structure, extremely ace indicating
teachers, and better college environment and giving such passage level position undertakings
to get the learning of organization understudies.

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 REFERENCES

Annual Report of 2075/2076

http://wwww.sunrisebank.com.np/

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 ANNEXURES

CHAIRMAN
(Mr. Motilal Dugar)

DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR

(Mr. (Mr. (Mr. (Mr. (Mr. Deepak (Mr.OM

malchand BachhRaj Motilal Shailendra Nepal Krishna
Duggar Duggar Guragain Joshi
Tater

Source: www.srbl.com.np

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