INTERNSHIP REPORT

ON
AGRICULTURE DEVELOPMENT BANK
LIMITED
Gaushala Branch

Submitted by
Purushottam Chandra Rawal
Exam Roll No:16030776
P.U. Registration No:2015-2-03-1123

An Internship Report
Submitted to
Uniglobe college
(Pokhara University Affiliated)

In the partial fulfillment of requirements for the degree of

Bachelor in Business Administration
 DECLARATION
This internship project report entitled “Internship on Agriculture Development
Bank Limited” which is submitted by me in partial fulfillment of the requirement
for the award of BBA degree of Pokhara University comprises only original work
and due acknowledgements have been made to materials used in the report.

Signature:

Name of student: Purushottam Chandra Rawal

Date :January , 2019
 ACKNOWLEDGEMENT
This internship report is prepared in the form as required by the Faculty of
Management, Pokhara University, for the Bachelor in Business
Administration(BBA) .I would like to thank Pokhara University for designing the
practical based internship program giving the opportunity for the students to
explore the real life situation of the banking sector as well as to insight the
theoretical learning in the practical field.

This internship opportunity I had with Agriculture Development Bank, Gaushala

Branch was a great chance for learning and professional development .Therefore , I
consider myself as a lucky individual as I was provided an Opportunity to be a
part of it.

I would like to thank Mr. Ramesh Raj Regmi, Branch Manager of Agriculture
Development Bank Limited for giving me an opportunity to work as intern in the
organization. I am also using this opportunity to provide my deepest gratitude
towards everyone who guided me throughout my internship program and to carry
out the project work.

Finally, I would like to thank Deep Narayan Pathak sir, research assistant for
guiding me and providing motivation throughout the project. I am also greatful to
Mr. Aashish Kumar Mishra, program director for providing favorable environment
for the completion of the project.

Thank You
Sincerely,
Purushottam Chandra Rawal
 LIST OF ABBREVIATION

ABBS: Any Branch Banking System

BOD: Board Of Directors

CSD: Customer Service Department

ECC: Electronic Check Clearing

KYC: Known Your Customer

MICR: Magnetic Ink Character Recognition

NRP: Nepali Rupee

NRB: Nepal Rastra Bank

PIN: Personal Identification Number

ADBL: Agriculture Development Bank

PU: Pokhara University

A/C: Account

LTD: Limited

GON: Government of Nepal

i.e: That is
 TABLE OF CONTENTS
Declaration
Acknowledgement
List of abbreviation
List of tables
List of figures
CHAPTER I: ORGANIZATIONAL PROFILE
1.1 Meaning and Definition of Bank
1.2 Origin of Banking system in Nepal
1.3 Description of organization
1.4 Vision ,Mission and Objectives
1.5 Major markets and customers
1.6 Major products and services
1.7 Organization design and structure
1.8 Financial structure
1.9 Organization performance

CHAPTER II:JOB PROFILE AND ACTIVITIES PERFORMED

2.1Activities performed in the organization
2.1.1 Ecc and Remittance Department
2.1.2 Customer Service Desk
2.2 Problem solved
2.3 Intern key observation
2.4SWOT Analysis
CHAPTER III: LESSONS LEARNT AND FEEDBACK
3.1 Conclusion
3.2 Key skills and attitude learnt
3.3Feedback to the Organization
3.4 Feedback to the college /University
REFERENCES
APPENDIX
 LIST OF TABLES
Table no . 1 Board of Directors of ADBL

Table no. 2 Shareholder’s Ownership

Table no.3 Banks Performance

Table no. 4 Present Income Statement

Table no. 5 Performance Indicator of ADBL

 LIST OF FIGURES

Figure 1 The Organization Structure

Figure 2 Operating Income of ADBL

Figure 3 Staff Expenses

Figure 4 Earning Per share

Figure 5 Non-performing loan to Total loan

Figure 6 Market Price per Share

 CHAPTER I
ORGANIZATION PROFILE
1.1. Meaning and Definition of Bank
The word “Bank” has been derived from the Latin word “bancus”, Italian word “banca” or
French word “banque” which all give the same meaning that is “bench”. Since, people use to
perform the monetary transaction by sitting on the ‘bench’ at earlier time, the word ‘bank’
derived. Banks are the one of the most important financial institutions in the economy and
essential in thousands of local cities. A bank is a financial institution that accepts deposits and
channels the money into lending activities. It is a financial intermediary that holds deposits from
individuals and businesses in the form of checking and savings accounts and certificates of
deposit of varying maturities while issues loans in the form of personal and business loans as
well as mortgages. A bank is a financial institution licensed to receive deposits and make loans.
Banks may also provide financial services, such as wealth management, currency exchange and
safe deposit boxes. 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.

Nepal Rastra Bank Act 2002 defines bank as “Bank is a financial institution, which provides
financial services that may be in the form of accepting deposits, advancing loan, providing
necessary technical advices, dealing over foreign currencies, remitting funds, etc.”
World Bank defines bank as "Banks are financial institutions that fund in the form of deposits
repayable on demand or in short notice."
An organization, usually a corporation, chartered by a state or federal government, which does
most or all of the following: receives demand deposits and time deposits, honors instruments
drawn on them, and pays interest on them; discounts notes, makes loans, and invests in
securities; collects checks, drafts, and notes; certifies depositor's checks; and issues drafts and
cashier's checks is known as bank.
But banks in these days not only accept deposits and grants loans, but it performs a wide variety
of functions. It does lot more than deposit and credit, remitting of money, letter of credit,
guarantee etc. for the service and benefit of individuals, corporations and general public and even
collects incomes, commissions and pays expenses on the behalf of them. In today’s world
banking business is not confined in borrowing deposit and lending advance only, it also performs
a host of other financial activities which has immensely contributed to achieve industrial and
commercial
progress of every country.
1.2 Origin of Banking System in Nepal
The history of development of banking system in Nepal is not been long. In our country Nepal
banks are still in its developing stage. The history of modern commercial banking industry
started from 1937 AD in which Nepal Bank Limited was incorporated. The government owned
51 percent of the shares in the bank and controlled its operations to a large extent. It was
headquartered in Kathmandu and had branches in other parts of the country as well.
In order to regulate the economy and the unregulated use of money Nepal Rastra Bank was
created in 1956 as the central bank. Its function was to supervise commercial banks and to guide
the basic monetary policy of the nation. Its major aims were to regulate the issue of paper
money; secure countrywide circulation of Nepalese currency and achieve stability in its
exchange rates; mobilize capital for economic development and for trade and industry growth;
develop the banking system in the country, thereby ensuring the existence of banking facilities;
and maintain the economic interests of the general public. Nepal Rastra Bank also was to oversee
foreign exchange rates and foreign exchange reserves.
After almost 30 years another state owned commercial bank Rastriya Banijya Bank (National
Commercial Bank, was established in 1966. The Land Reform Savings Corporation was also
established in the same year to deal with finances related to land reforms. During 1967AD the
Agricultural Development Bank was also established. Almost 75 percent of the bank was state-
owned; 21 percent was owned by the Nepal Rastra Bank and 5 percent by cooperatives and
private individuals. Hence it is clear that since the 1960s; both commercial and specialized banks
have expanded. More businesses and households had better access to the credit market although
the credit market had not expanded.
However, the decade of 1980s can be considered as the landmark in the modern banking history
for Nepal. It was only in this decade government allowed the excess to foreign joint venture
banks to be the part of the Nepalese banking business. During this period, three foreign
commercial banks opened branches in Nepal. The first was Nepal Arab Bank established in 1984
AD. It was co-owned by the Emirates Bank International Limited (Dubai), the Nepalese
government, and the Nepalese public. After that in 1984 came Nepal Indosuez Bank (currently
Nepal Investment Bank) which was jointly owned by the Credit Agricole Indosuez, Rastriya
Banijya Bank, Rastriya Beema Sansthan (National Insurance Corporation), and the Nepalese
public. Then Nepal Grindlays Bank was the third foreign joint venture to be established in Nepal
which was co-owned by a British firm called Grindlays Bank, local financial interests, and the
Nepalese public.
Although government had started the liberalization of financial sector during the decade of 80s
but this process speeded up only in early 1990s. In fact private sector rushed into the banking and
financial industry after the restoration of democracy in 1990. Many commercial banks like
Himalayan Bank, Everest bank, etc were established during this decade. After the period till date
32 commercial banks have been established in Nepal.But due to new policy of Nepal Rastra
Bank to meet Rs 8 billion till now 28 commercial banks were giving their services to public.
Nepal Rastra Bank has classified the financial institutions into four categories:
a) Class A: Commercial Banks
b) Class B: Development Banks
c) Class C: Finance Companies
d) Class D: Rural Development Banks and Micro Credit Development Banks
e) Class E: Infrastructure Development bank
1.3 Description of organization
Agricultural Development Bank Limited (ADBL) is an autonomous organization largely owned
by Government of Nepal. With the main objective of providing institutional credit for enhancing
the production and productivity of the agricultural sector in the country Agricultural
development bank was established in 1968 under ADBN act 1967 as a successor to the
cooperative bank. At the introductory the bank was under the ministry of Agriculture which later
kept under the ministry of finance. The Land Reform Savings Corporation was merged with
ADBN in 1973. Subsequent amendments to the Act empowered the bank to extend credit to
small farmers under group liability and expand the scope of financing to promote cottage
industries. The bank has been working as a premier rural credit institution since the last three
decades, contributing a more than 67 percent of institutional credit supply in the country. Hence,
rural finance is the principal operational area of ADBL. Furthermore, the bank has also been
involved in commercial banking operations since 1984.
The enactment of Bank and Financial Institution Act (BAFIA) abolished all Acts related to
financial institutions including the ADBN Act, 1967. In line with the BAFIA, ADBL has been
incorporated as a public limited company on July 14, 2005. Thus ADBL operates as "A"
category financial Institution under the legal framework of BAFIA and the Company Act, 2053.
ADBL has been providing banking services in all the regions for the rural development and
poverty elimination as the Government of Nepal. Form the help of Government of

Nepal and foreign aid, the ADBL has been implementing small farmer development program as
an innovation which is currently exemplary in the micro finance sector. ADBL has been
encouraging the developed to rural sectors farmers, industrialist and business person through the
modern banking services. The bank has been transferred from the traditional banking to the
modern core banking providing the various services in most parts of the nation. This is the bank
with the 244 branches in the entire country. ADBL is the bank with the highest paid up capital,
highest number of shareholders, and the highest number of branches in Nepal. ADBL has been
implementing the agriculture development strategy which includes the subsidy of 75% in
agriculture insurance premium and land fertility guidance and other business guidance.

1.4 Vision, Mission and Objectives of ADBL

Vision:
To be a Mass-based Complete Bank serving from Urban to Rural.
Mission:
To deliver comprehensive banking solution strengthening its extensive network.
Enhancing the shareholders value.

Objective:
The principle objectives of the ADBL are:
1) To provide quality banking services,
2) To adopt market driven strategy,
3) To obtain sustained and competitive return on investment
In achieving its corporate objective in pursuit of its corporate mission and vision, ADBL will:
1) Provide a full and balanced rage of financial products and services that satisfies the
needs of the rural population of Nepal, on a profitable and sustainable basis.
 2) Comply with all relevant legislation, codes of conduct and standards of good corporate
citizenship in Nepal while maintaining full autonomy in the management of its
operations in an open and transparent manner.
3) strive consistently to provide improved products and services to its clients at
reasonable cost, using modern banking, information and communication technology in
the most appropriate form to its client’s needs.
4) Operate in accordance with best banking practice, acting with financial prudence and
keeping in mind the need to balance profitability with asset preservation and liquidity
and to safeguard depositor's funds.
5) Work together with its employees to develop their capabilities to contribute to
achievement of the bank's objectives, promoting excellence, rewarding achievement
and providing them the opportunity to share in the bank's success.
6) Ensure that its activities contribute to the environmental stability and overall
improvement of living standards in Nepal.
7) Judge the bank's success against the measures that include profitability, portfolio
quality in terms of minimal arrears and non-performing loans, portfolio worth, total
deposits, geographic outreach and public image.

1.5 Major Markets and Customers

Agriculture development bank established with aim of encouraging the agriculture sector. The
head office is located in Ram shah path, Kathmandu. The overall operation of the banking sector
is done under regional office through the various branches under the regions. The banks market
is mainly the terai regions as the major contribution of the agriculture sector in the national
economy. Thus the major market for the bank is agriculture entrepreneurs. Since last three
decades the bank has been performing in the commercial sector. The bank currently is the
commercial bank with the new ideas in its product and services. ADBL recognizes the value of
offering a complete range of services and have pioneered in extending the various customers
friendly products. With the different level of the customers and their demand for the product the
categorization of the product is done. Most demand by the customers is for farming (agricultural
production loan), livestock loan, home loan and real estate loan, small and cottage industry loan,
foreign employment loan, residential loan, home loan, education loan and demand loan. The
major market is for agriculture, import/ export, the business sector and the small cottage
industries, letter of credit, and balance of certificate.
The major customers for ADBL are farmers, individuals, institution, farmers, cottage industries,
foreign employees, students in mobilizing the fund. Similarly in terms of source of fund the
depositors with demand deposit, saving deposits and fixed deposits are its customers.

1.6 Major Products and Services of ADBL

ADBL provides the various product and services that fulfills the requirement of the customers.
The major product and services are Deposits, Loans, Remit, and others described below:
1. Deposits
Deposits are the main source of the fund. There is various terms of deposits and bank collects its
deposits as follows:
a) Current Account:
ADBL's current account saves you the hassle of carrying cash. Mainly this account is intended
for business/corporate houses, this account can be opened from our commercial banking
branches throughout the country. This account is non-interest bearing and it comes with a
cheque-book-you just need to write a cheque whenever and wherever it's convenient. Here in
current account the depositors have no restriction in deposits and withdraw of the fund. A current
account can be opened with a minimum amount decided by the specific branch. Once your
account is opened you will receive cheque-book containing 25 personalized cheques. The major
current account holders of the ADBL are the farming houses and small cottage industries and
few corporate houses.
b) Saving Account:
This account at ADBL is designed with array of features which not only ensures the attractive
returns to idle fund of the depositors, but also makes the potential banking convenient and
efficient. Saving deposit account can be opened in any of our commercial branches. Your interest
is calculated and credited to yours saving account on minimum daily balance. Initial deposit
ranges are depending upon the branch and its level. Any balance below minimum amount will be
liable to incidental charges as fixed by the bank from time to time. Customer opening this
account gets a free cheque book. The bank offers Any Branch Banking facilities (ABBS) to its
customer. Some of the major saving account products of ADBL are:
1) General Savings account
2) Krishak savings account
 3) Nari savings account
4) Shareholders saving account
5) Foreign exchange saving account
6) Sambridhi Saving account
7) Ba- Aama savings Account

c) Fixed account:
Fixed Deposit can be opened with a minimum balance of NRs. 10,0000. Fund is Payable on
maturity. Penal interest is levied on withdrawal of fixed deposit prior to maturity. Interest is
payable quarterly. Tax is deducted at source from the interest on saving deposit as per the
income Tax Act, 2058 (2001). Nomination facility is available. Strict confidentiality is assured.
Tenure of fixed deposits is 1year, 2 years and more than 2 years to 5years.
2. Loans
Loans are the various lending services provided to the customers. The fund collected from the
depositors is lent to the various customers and charge interest. In order to balance the liquidity
and profitability properly, bank is required to use their avail funds properly keeping statutory
requirement of NRB. Loans are the main source of income and bank provides a full range of
solutions including the short working capital loan to personal overdraft to term loan of more than
five years with the structured finance and transaction banking to meet the requirement of
customers. The various loan products of the ADBL are:
1) Auto loan
2) Education loan
3) Foreign employment loan
4) Home loan
5) Residential loan
6) Agricultural Products & Inputs Marketing Loan
7) Small & Cottage Industry Loan
8) Livestock Loan
9) Agricultural Production Loan
10) Letter of credit and Trust receipt loan

3. Remittance:
ADBL remit is a secured web-based user-friendly remittance introduced by ADBL. Under this
service, both domestic and foreign remittance facility is served with a purpose to provide
complete remittance solution to the valued customers of the bank. Well equipped with the state
of the art technology, ADBL remit service is available at all the branches and remittance agent
location of the bank throughout the nation.
1. Inward Remittance

Remitters who are abroad can transfer money payable form ADBL through Western
Union Money Transfer Services. One can remit money within Nepal through ADBL
REMIT, starting from August 2008
2. Outward remittance

ADBL has been transferring money (Indian Currency) to major cities of India by issuing
draft which is payable either by Standard Chartered Bank or ICICI bank on the request of
the customer.
3. SWIFT

Taking the advantage of being the active member of SWIFT, ADBL offers money transfer
services. The customer’s account with the bank can be credited from any bank in the world
via SWIFT. Customer can use SWIFT Code for bank transfer
(While sending money through SWIFT, A/c No, Name of beneficiary and branch should be
mentioned). Agricultural Development Bank Ltd., has access to the worldwide correspondent
network for fund/remittance transfer, commercial payment, foreign exchange/money
markets, letter of credit or any banking business anywhere in the globe. The Standard
Settlement Instructions (SSI) dealt with Agricultural Development Bank Limited,
Kathmandu, Nepal, is as follows. (Swift Address: ADBLNPKAXXX).

4. Others
ADBL has been providing the other services than accepting deposits, lending and remittance.
These services help in generating the additional revenue for the bank. The Other services
provided by the bank are as follows:
ATM services: The ATM services provide by the bank is open 24 hours. The ATM service is
placed in different areas inside the valley and few areas outside the valleys. The main benefit of
having ATM facility is providing the cash immediately when required.
 I. Electronic Cheque Clearance: ADBL provides the service of inter- banking transaction.
Cheque of different banks are collected and taken to the head branch, which further goes
to clearing house in NHC.
II. Any Branch Banking Services: this service helps customers of ADBL to deposit and
withdraw the money from any branch related to their account. The customers should have
to pay for this service.

Bank Guarantee: ADBL issues Bank guarantee. They issue two types of Guarantee:
I. Bid bond:
A bid bond is issued as part of a supply bidding process by the contractor to the project owner, to
attempt to guarantee that the winning bidder will undertake the contract under the terms at which
they bid
II. Performance Bond:
Bond issued by a bank or other financial institution, guaranteeing the fulfillment of a particular
contract.
III. Locker:
ADBL provides the locker facility to its customers for the safety of the valuable things in the
bank.
1.7 Organization Design and Structure
The Bank’s consistent performance with full assurance of healthy financials has been possible
through constant, persistent and dedicated efforts of the management team of the Bank. All
members of Bank’s senior management team have been associated with the banking industry for
a fairly long time and are well versed with the nuts and bolts of banking and the overall market.
The management team of the Bank comprises of young and talented members that draw together
diverse skill sets and experiences in diverse areas within the country’s banking industry.

Table 1: Shows Board of directors of ADBL

Chairman Chetter Bahadur Sejuwal
Member Joint secretary, MoF Bishnu Prasad Nepal
Member Joint secretary, MoA Yogendra Kumar Karki
Member Shareholder Laxmi Devi Manandhar
Member Shareholder Manoj Basnet
Member Shareholder Govinda Prasad Bhattarai
Member Shareholder Ghanshyam Awasthi
Company Secretary Pratap Subedi

Here in ADBL the Board of Directors is the apex body of the bank. It formulates policies as well
as strategies and provides guidance to the management. The Board comprises a total of nine
members; four members representing Government of Nepal and four members representing
individual shareholders. Besides, one member is nominated by the Board as per the BAFIA. The
Board is supported by Audit Committee and Governance Sub- Committee in the area of internal
control and good governance respectively. The day to day operation of the bank is executed by
the Chief Executive Officer. The Chief Executive Officer is closely assisted by four Deputy
General Managers and 18 Division Chiefs. Moreover, Chief Executive Officer is supported by
Assets and Liabilities Management Sub-Committee for various activities related to risk
management

Figure 1: Organizational Designs and Structure of ADBL, Gaushala Branch.

Branch manager

Administration

Cash Remittance Account ECC CSD

Credit

Teller

Forex
The above figure 1 describes the organizational design and structure of the ADBL, Gaushala
branch. This branch has the working schedule with the hierarchal order of branch manager
followed by administration officer and the various department officers and the corresponding
subordinate helping in the efficient operation of the banking office Gaushala. The teller is under
the cash department. The branch has the two sections for loan that is lending section and
Guarantee and recovery section. This branch has together 18 staffs including the security guard
and canteen staff.
1.8 Financial Structure
The Financial structure is the way in which a company’s assets are financed, such as short term
borrowing, long term borrowing and shareholders’ equity (promoters and simple). Since ADBL
is an autonomous organization largely owned by Government of Nepal it has highest paid in
capital than any other commercial banks in Nepal.
Table 2: Shareholders ownership
Particulars Amounts (in ‘000)
Ordinary Shares Rs. 8505216
Irredeemable Non-cumulative preference Share Rs. 5432712
Paid up capital Rs. 13937928

The bank had planned to include its non-cumulative irredeemable preference shares in its capital
plan. The bank has preference shares of Rs.5.43 billion and common stocks of Rs.7.1 billion.  It
would mean that it didn’t need to raise its capital to reach the Rs.8 billion target set by NRB.
However, a recent circular issued by the NRB that instructs banks to not include preference
shares in their capital plan means the bank has to find some other way of increasing its paid up
capital to Rs.8 billion. As of now the bank is short Rs.4.06 billion which the bank can raise just
by issuing bonus shares. The bank’s reserves and earnings are high enough to raise its capital to
Rs.8 billion just by issuing bonus shares.
The bank also has the option to call a rights issue and merge and acquire other smaller
institutions. But considering that the bank has large investments by the Government of Nepal it
might be hesitant to invest more in the bank which means that a rights call may not be very
likely. Merger and acquisitions are also less likely due the same reason.

The bank and the NRB are most likely to reach an agreement whereby the current preference
shares of the bank can be included in the capital plan thereby removing the need for the bank to
raise more capital.

1.9 Organizational Performance

Organizational Performance comprises the actual output or results of an organizations measured
against its intended outputs. Organizational performance shows company's performance as
compared to goals and objectives. Within corporate organizations, there are three primary
outcomes analyzed: financial performance, market performance and shareholder value
performance. It provides the information regarding investment, financial forecasting and
planning and returns on investment.
Table 3: Bank performance

Particulars 2069/70 2070/71 2071/72 2072/73 2073/74

Paid Up Capital 9,636,800 9,860,800 9,860,800 10374400 12520392
Common Stock 3,200,000 3,424,000 3,424,000 3937600 7087680
Preference Shares 6,436,800 6,436,800 6,436,800 6436800 5432712
Reserves & Surplus 4,586,113.5 5,215,448.71 4,974,144 8,385,311 7858773
Debenture & Bond 8
2,300,000 2,300,000 1,840,000 1,380,000 920000
Loans& 988738.10 685,318.01 678,975 563,203 667933
Borrowings
Deposit Collection 54477,651. 65,898,412.6 76,921,30 87,263,49 99816272
Investments 53
9,194,611.4 5
13344,007.5 1
13,521,19 5
13,978,58 15898842
Loans & Advances 5
49,685,827. 1
57,186,253.2 2
66,601,11 7
79,751,86 88206549
21 1 9 1
1. Reserve and surplus Agriculture Development Bank has a core capital of Rs.12.52
billion. This includes Rs.7.08 billion Common Stock and Rs.5.43 billion Preference
Shares. The bank’s reserves stands at 7.85 billion. The bank’s deposit collection has been
increasing throughout our review period. It has more than doubled in just the past 8years
and reached Rs.99.816 billion. The paid up capital is increased by 20.68% in year
2073/74 in respect to FY 2072/73.

2. Collection and Mobilization of funds

The bank’s mobilization of its funds has also been increasing throughout our review period. The
bank’s investments in the past 8 years have grown by almost 3 folds from Rs.4.54 billion in FY
2066/67, Rs.13.52 billion in FY 2071/72 to Rs.13.98 billion in FY 2072/2073.In FY 2073/74 the
bank investment is Rs 15.89 billion. The bank’s loans and advances have also doubled during the
same period.  Loans and Advances grew from Rs.33.88 billion in FY 2066/67, Rs.66.60 billion
in FY 2071/72 to Rs.79.751billion in FY 2072/73. The loan and advances in FY 2073/74 is 88.20
billion.

3. For investors
ADBL with a paid-up capital of Rs.12.52 billion has already shown that it can manage a large
amount of capital. The bank has infrastructure already in place to mobilize large funds which
means the bank has advantage over other banks which have to set up new infrastructure to be
able to mobilize the funds they will have once their capital reaches Rs.8 billion.

4. Loans and advances

The loans are the main source of income for the bank. The ADBL has the total loans of 66.601
billion in the financial year 2017/72 and the total loans of 79.751 billion in the financial year
2072/2073shows increasing order which results positive performing efficiency of the bank.
Similarly, in the FY 2073/74 the loan and advance increases up to 88.20 billion. The loan of the
bank has been continuously increasing significantly. Similarly, with the increase in the loan the
bank has been able to maintain the low non-performing loans. The loan is high in the agricultural
production sector and small scale cottage industry.

Table 4: Presents Income statement of ADBL

‘000’
Particulars 2069/70 2070/71 2071/72 2072/2073 2073/74
Interest Income 7533344.54 8461935.79 8473369 9620203 11324507
Commission & Discount 132587.99 175424.40 264459 232312 336023
Other Operating Income 512943.66 543526.63 592199 666985 611134
Exchange Fluctuation - 131202.58 264620 262639 137725
Income
Total Operating Income 8178876.18 9303092.41 6338634 7423268 8184519
Interest Expenses 2814540.16 3839726.45 3256013 3358872 4224871
Staff Expenses 2335702.62 3320316.42 2960282 3031500 3312598
Other Operating 616013.78 709914.35 733377 747828 842896
eexpExpenses
Loan Loss Provision 1276625.20 877643.32 9300545 1456107 1771791
Operating Profit 1128312.51 555491.87 1714921 2187831 2257234
Write back Provision 1557948.40 901483.92 602387 1135604 1012317
Net profit/(Loss) 2289319.96 1520806.29 1876193 2464683 2565220
Net Interest Income 4718804.37 4622209.34 5217356 6261331 7099636
Source: ADBL annual report
Interest income which is the bank’s primary income has increased quite rapidly from FY 2069/70
to FY 2073/74. It increased from Rs.7.53billion in FY 2069/70 to Rs.11.32 billion in FY 2073/74
which is an overall increase of about 50%.

However, the bank managed to increase its interest income by 17.71% in FY 2073/74 which is
the great achievement in comparison to FY 2072/2073which was just 9.9%. During the same
period FY 2073/2074the interest expenses increases by 25% which caused the net interest
income to increase by 13%.The bank’s net interest income has been increasing since FY 2069/70
and only decreased once in FY 2070/71 by 2.05%. The net interest income of the bank in FY
2073/74 is 7.1 billion.

1. Operating Income
The bank’s operating profit which was negative by Rs.1.22 billion in FY 2066/67 has now
become positive by Rs.2.68 billion. The bank’s operating profit becoming positive is extremely
good news for the bank and its investors. This means the bank has finally become profitable in
its core business. The bank’s operating profit increased by more than 17.11% in FY
2072/73.Likewise in FY 2073/74 the operating income increased by 10.25%.
 10000000
9303092
9000000
8178876 8184519
8000000 7423268
7000000
6338634
6000000

5000000

4000000

3000000

2000000

1000000

0
2069/70 2070/71 2071/72 2072/73 2073/74

2. Staff Expenses

The bank also has the highest staff expenses among all the commercial banks. It spent Rs.3.31
billion in FY 2073/74 on staff expenses. Although the figure might seem huge, this is an increase
of 9.34% compared to last year. The bank has recognized its staff expenses issue and is taking
major steps to reduce this cost. 304 employees retired from the bank last fiscal year and
approximately 300 more are expected to retire this fiscal year. This should go a long way in
reducing the company’s staff expenses.
 Figure 3:Staff Expenses
3320316.42 3312598
2960282 3031500

2335702.62

2069/70 2070.71 2071/72 2072/73 2073/74

Table 5: Performance indicator for ADBL for consecutive year

Particulars 2069/70 2070/71 2071/72 2072/73 2073/74
Earnings per Share(amount) 71.54 41.53 44 55.64 53.67
ROA (%) 2.97 1.76 3.12 2.32 2.15
ROE (%) 23.75 15.78 35.39 23.78 20.40
Bonus Share (%) 31.58 15.79 15.79 21.05 21.05
Cash Dividend (%) 31.58 8.79 0.79 1.05 1.05
MPS 212 775 432 768 435
Liquidity (CRR) 32.27 30.43 28.74 23.33 31.18
Nonperforming loan to Total 5.85 5.46 5.35 4.36 4.60
Weighted
Loan (%) average Interest rate 7.17 6.24 6.97 7.14 5.87
Book
spreadNet
(%)Worth (000) 7786114 6597183 9674212 11691212 16363989
Gross Profit Margin 22.37 13.95 25.19 20.00 18.08
CD Ratio (%) 100.81 94.80 77.26 77.33 76.09
Source: ADBL annual report
The bank comes 3rd among all the commercial banks traded in NEPSE in terms of net profit. The
bank earned a net profit of Rs.2.58 billion in FY 2072/73. This is an increase in profit of more
than 37.36 % which can be considered very well.
 Figure 4:Shows Earning Per Share (Rs.)
80

70 71.54

60
55.64 53.67
50
44
40 41.53

30

20

10

0
2069/70 2070/71 2071/72 2072/73 2073/74

As of Q4 2072, the bank has an EPS of Rs.43.52 and as of Q4 2073, the bank has EPS of
Rs.55.64. With a closing price of Rs.494, the PE ratio turns out to be just 11.35. The bank would
be considered undervalued even in normal circumstances but given the current level of the
market and the average PE ratio of the banking industry (which is 28.54), the bank is highly
under valued. The bank distributed 31.58% cash dividend in FY 2069/70 and 8.79% cash in FY
2070/71.At present the bank paid 1.05% cash dividend which is around 96% decrease in
comparison to FY 2069/70. The bank distributed 21.05% bonus in FY 2073/74, which is similar
to previous year. The dividend for this year depends on the bank’s capital plan. Regardless, the
bank’s dividends are sure to be more than what it distributed the previous year.
The bank managed to write back Rs.623 million and still has Rs.561 million in loan loss
provisions. If the bank manages to write back more of its provisions, the bank’s net profit will
increase even further. The bank’s earnings per share which had remained above Rs.60 from FY
2066/67 to FY 2069/70 fell to Rs.43.52 and Rs.55.64 in FY 2071/72 and FY 2072/73
respectively. In fiscal year 2073/74 the EPS is 53.67%. This might seem alarming but this
actuallyhealthier. The current EPS represents the earnings from the bank’s core business instead
of earnings from the sale of assets. The EPS is sustainable and will only grow in the future if the
bank manages to perform well.
The bank profitability ratio that is (ROA and ROE has been decreasing currently in comparison
to the previous year. The ROA is lowest in fiscal year 2073/74 with the ratio value of 7.32%
which shows the bank has not been utilizing its assets more efficiently than previous years.The
bank’s CD ratio currently stands at 76.09% .The bank’s liquidity ratio stands at 31.18%.
.

Figure 5: Shows Non performing loan to total loan

7

6 5.85
5.46 5.35
5
4.6
4.36
4

0
2069/70 2070/71 2071/72 2072/73 2073/74

The bank’s Non-Performing Loan to Total Loan increased by more than 5.50% from 4.36% in
FY 2072/73 to 4.60% FY 2073/74. Although this is a not good it is still high. The bank’s net
worth in FY 2072/73 stands at Rs.12691212000, in FY 2073/2074 stands at Rs. 16363989000
which is in increasing trend.

Market value is the price an asset would fetch in the marketplace. Market value is also
commonly used to refer to the market capitalization of a publicly-traded company, and is
obtained by multiplying the number of its outstanding shares by the current share price. The
Market Price Per Share (MPS) of ADBL is quite fluctuating, in FY 2069/70 it was Rs.212 in
FY2070/71 in increased to 753 while in 2073/74 it is Rs.435.The trend is shown in the following
diagram.
 Figure 6: Market Price per Share
900
800
753 768
700
600
MPS
500
432 435
400
300
200 212
100
0
2069/70 2070/71 2071/72 2072/73 2073/74
 CHAPTER II
JOB PROFILE AND ACTIVITIES PERFORMED
2.1 Activities Performed in the Organization
Being a part of Agricultural Development Bank limited for 6week as being the student of
BBA was great opportunity to learn about the banking practices. As per the course standard of
Pokhara University, the students are required to conduct the internship in seventh semester for
the minimum 6 weeks period. As per the requirement, I have conducted the intern in Agricultural
Development Bank. In addition, for selecting the organization; I tried from my personal
approach as well as from the college’s support for which the college provided the
recommendation letter for undergoing my internship program.
In ADBL, throughout my internship period I was placed in Gaushala Branch. Various activities
were performed in various departments during the internship period. I was able to gain working
experience in few departments.

I started my intern in ADBL from “Customer service Department” where I familiarize myself
with the new environment and the activities going within the organization. I was placed there for
1 week, which helped me a lot to know about the banking terms and procedures. After 1 week in
customer service Department, I was placed to fixed deposit department for 1 week likewise for
remaining 2 weeks I was palced in ECC, Remittance, C-Asba, ATM department. During my
internship period I presented myself with full zeal, confidence and well-disciplined in this
institution. Working as a Trainee for 6 week, I was placed under the supervision of Mrs. Sujita
Pokharel, Mrs. Bhawani, Mrs. Binda. I was able to work with an ease environment where I was
given the full support and, with their cooperation in Customer Service Department. I learned
how the theoretical knowledge that we learn in college is practically applied. Knowing the
procedure and getting chance to practice the work with the real cases is what I got over there in
Customer Service Department. At beginning it took time to learn and being familiar with the
environment, but with the kind cooperation and help from the seniors make it easy to me. The
environment was really motivating.
 A. ECC and Remittance Department

ECC Department

ECC is the state of the art interbank cheque clearing solution that has replaced the manual
cheque clearing solution in Nepal. It is image based, cost effective cheque clearing and
settlement solution, where the original paper cheques are transferred through scanned image in
order to present electronically through the secured communication channels from the member in
which they are deposited to the members on which they are drawn resulting in the faster access
to fund, lower transportation cost and increase cheque trust.
During my period of internship, I was placed in ECC Department. During that period, I was
given the chance to perform the following activities:
1. Receiving the cheques from the customers and properly monitoring the required criteria.
2. Recording the cheques in the book.
3. Entry of cheques in the computer.
4. Sending the cheques through ECC software.
5. After they are accepted , the records should maintained in the vouchers
6. Then only the concern authority would transfer the amount in the respective accounts.

Remittance Department
Remittance is the main source of government revenue. Every year about two billion dollar flows
into Nepal from foreign country. Agricultural Development Bank Limited (ADBL), operating
under the guidelines set by The Government of Nepal and Nepal Rastriya Bank (the Central
Bank of Nepal), offers one of the safest and the most secured means of money transfer to Nepal.
Remitter scan send money to ADBL from any part of the globe through our correspondent banks,
exchange houses and banks in the Middle East and using ADBL remit, or in-house remittance
software. ADBL has also been providing remittance services of other remits such as IME,
Prabhu money, Express, Prithvi remit, Money gram, Western Union Money Transfer, Siddhartha
remit, Himal remit, Sewa remit, City Express remit, Express remit.
During my period of internship, I was placed in Remittance Department. During that period, I
was given the chance to perform then following activities:
a) Made payment to the customers receiving money from various parts of the world through
remittance.

b) Recording and filing of entries.

c) Helped customers to fill up various kinds of forms.

d) Photocopying the required documents.
e) In addition to International Remittance ADBL also offers Domestic Remittance to its
customers where both receivers and senders may or may not have to maintain any kind of
account in any of the ADBL branches.

Inward Remittance

Remitters who are abroad can transfer money payable from ADBL through various remit
companies. Also customer can remit money within Nepal through ADBL REMIT, starting from
August 2008.

Outward Remittance

ADBL has been transferring money (Indian Currency) to major cities of India by issuing draft
which is payable either by Standard Chartered Bank or ICICI bank on the request of the
customer.
B. Customer service desk
a) This department is involved in various activities from opening an account to its closing,
providing account statement as per customer demand, issuing ATMs etc. The basic
functions of this department are:
 Customer counseling
 Account operations
 Distribution activities

1. Customer Counseling
Customer counseling is most important functions of customer service department. The efficiency
of the customer service department or an organization is the outcome of the quality of the
customer counseling that it provides. As shown in the above chart that this department is
concerned with counseling the new as well as the existing clients regarding the products and the
services provided in this branch. There are various kinds of products and services available in
this organization. This department is also responsible for providing detail information regarding
these different products and services. Staffs in CSD should have information about the various
products of the bank and should have good communicating skills as to answer the queries of the
customers correctly, precisely and politely.
2. Account operation
Accounts can be opened in two ways:
A. Individual account
Any individual capable to enter into a contract can open accounts with the bank. Lunatics,
insolvents, drunkards cannot enter into the contracts. Naturally, they cannot be the account
holders. Illiterate person, blind, trustee can open accounts but special attention should be paid to
such accounts. Likewise, bank open accounts in the name of minors but they have to be operated
by guardians till “minors turn into “majors”.
There are various types of individual accounts such as:
 Personal NPR Account, Personal USD Account and can open account in all
convertible currencies directed by NRB (For Nepalese and Foreign Citizen)
 Joint NPR Account (For Nepalese Citizen)

The basic requirements for opening Personal Account:

1) Fill in the application form
2) Agree with the terms and conditions of the bank
3) Sign the specimen cards
4) Certified True Copy of Identification Document i.e. Citizenship or Passport
5) Two photograph of account Holder
6) Introduction by existing account holders
The basic requirements for opening Foreign Account:
1) Certified true copy of Passport
2) Documents should be certified from concerned Embassy
3) Certified True copy of valid Visa
4) All documents of personal account for all the joint parties
The basic requirements for opening Joint Account:
1) The party who has not filled the regular account opening form must fill up the
addendum
2) No objection for any one-signature form must be filled
After ascertaining completion of above said documents, the bank assigns an account number,
accepts deposit in the deposit slip (voucher) and issues a checkbook and card to individual(s).In
case of the illiterate, thumb impression is obtained in the specimen card. Moreover, s/he is
required to furnish photograph as well. No checkbook is issued and the account holder is
required to visit bank in person for withdrawal. Terms and conditions should be explained.
B. Corporate account
There are four types of corporate account and the documents required for each account are as
follows:
 Proprietorship Account:
A business firm registered in the name of a person/proprietor is known as sole proprietorship
firm. The proprietor enjoys all the profit and bears all the loss from the operation of the business.
1) Registration Certificate
2) PAN Certificate
3) Citizenship Certificate/Passport
 Partnership Account:
A business firm registered in the name of more than one individual is known as a partnership
firm. The proportion of the share of benefit and loss among the partners is mentioned in the
partnership deed.
1) Registration Certificate
2) Citizenship Certificate/Passport (of partners)
3) PAN Certificate
4) Registered Partnership Deed
 Corporate Account:
Companies can be both private limited and public limited. They are called limited because their
members are limited to the number of shares they hold in the company.
1) Registration Certificate
2) Citizenship Certificate/Passport of Authorized Signatories
 3) PAN Certificate
4) Memorandum and Articles of Association
5) Board Resolution
 Account of Institutions/Association/Societies:
Various clubs, social institutions, NGOs, INGOs, projects, different bodies of governments also
open accounts with the banks.
1) Registration Certificate
2) Citizenship Certificate/Passport (of partners)
3) PAN Certificate (if applicable)
4) Constitution and By-Laws
5) Citizenship/Passport of Authorized Signatories

Points to follow while opening Corporate account:

1) Legal status of the account holder should be examined to open accounts.
2) Original documents should be checked and a certified copy should be retained.
3) Any blank space in the “instruction” and “specimen card” column should be crossed.
4) An account number is to be assigned.
5) Deposit to be accepted in the deposit slip (voucher) and a copy to be returned to the
account holder.
For fixed deposit account, just an application form is to be filled out as the account holder must
normally have any account maintained with bank. Bank issues a Fixed Deposit Receipt as a
proof of having accepted fixed deposit.
Statement Print:
One of the major works done in CSD is to print the statement for customers. Customers are
required to fill the enquiry form which contains the Name, Account number and authorized
signature of the customer in order to get the bank balance statement. Bank balance statement
shows the amount deposited and withdrawn by the customers.
Issuance of Cheque Book
Today cheque works as closely as paper money. It can be taken from one place to another easily.
Most of commercial banks, development banks, financial institutions and co-operative accept
cheque of each other easily. Cheque is issued to the customer after he/she opened the account in
bank as per his/her request. The number of cheques issued to the customer according to the
customer s’ requirement. If customer requested for new cheque book for second time s/he should
fill the requisition form which is placed at the end of the cheque book. Before receiving the
cheque book, account holder should sign in cheque register and requisition slip. Then account
holder’s signature is verified by FINACLE system and when signature matches s/he gets new
cheque book. In case if requisition slip is loosed, account holder should pay the extra charge of
RS 100 to get new cheque book and charge is debited from customer account.
While working as an intern in this department following activities were done by me:

Filling the vouchers

Most of the customers were semi-literate and farmers so primarily the customers who take loan
required opening the current account or saving account for the payment and withdrawing of the
loanable fund. Here the vouchers were to be filled up in depositing the fund in the respective
account. Similarly, the vouchers of the customers regarding the repayment of principal, payment
of interest, renewal charge, CIB charge, and charge for guarantee are to be filled up.
2.2. Problems Solved

Being the one of the oldest bank of Nepal there are a lots of problems that cannot be solved. As
an intern, we do not have such opportunity to solve genuine and big problems but the basic
problems of the customers can be effectively handled. Some of the problems solved while in
the internship period are as follows:

1) The account opening form of the bank is lengthy, the customers feel boring and irritated
.So, the intern has to guide them and solve their problems.
2) Finding out the misplaced files and arranging it in proper cabinet.
3) Many of the customers fill the form for ATM and Cheques but do not come to take it.
The interns have to call it and ask the customers to take them.
4) Dealing with the different types of customers. Some customers are so difficult to handle
and for such customers, it is the responsible for the interns to manage and handle them
efficiently.
5) It is the regular duty of the interns to make a KYC call and ask them to bring the
necessary documents and submit to the banks.
 6) Guide new intern to make them familiar with the working procedure and work of
former intern.
7) Many customers do not know about online service of ADB. The interns have to call it
make them know about those service.

2.3 Intern’s Key Observation

Internship program in ADBL different department was very interesting and I enjoyed working in
banking environment. During the 6 week internship period, there are different opportunities to
look after for the intern. This 6 week internship period provides an opportunity to learn several
things which enhances the intern knowledge about the banking activities, working procedures,
process and functioning of the banks. The most frequently I worked in ECC , Remittance and
CSD. Having theoretical knowledge and practical knowledge in the field is two different part of
education system. The key things that I have observed during my internship period are as
follows:

1. Interns got opportunity to interact with the customers and try to solve their problems.
2. The interns got opportunities to learn about the account opening process, cheque
scanning and printing, signature verification process.
3. Customer service desk is active and there is good communication between the office
staff and customers.
4. Staff are not serious of the organization work which they are appointed by the bank.
Most of the work like account opening, filling KYC form, cheque printing and binding
,entry of KYC update etc. work are done by intern student.
5. The bank has been maintaining separate registers and files for the different activities of
the bank such as cheque requisition, bank statement, counter cheque, PSD forms, loan
recovery, CIB report of client etc.
6. Bank provides diversified products and services to meet different types of customer
expectations and highly emphasizes on giving training to its employees to enhance their
interpersonal and professional skills.
7. There is excessive flow of customer during 10:30 am to 3 pm throughout the week.
8. There is no hard and fast rule for lunch time for office staff. Employees are free to eat
lunch inside or outside the organization.
9. The working climate of Branch Office can be taken as the best example of informal but
efficient working climate. The power distance was minimal and a friendly and family
relation was experienced which make employee work with limited pressure and high
performance.
10. Another problem the company has is the employee unions which have made it very
difficult to run the organization efficiently.
11. The bank has extremely high potential to become one of the most profitable institutions
in Nepal because the bank’s branches are geographically diverse and cover all the
regions of Nepal. The bank has infrastructure already in place to mobilize large funds
which means the bank has advantage over other banks which have to set up new
infrastructure to be able to mobilize the funds they will have once their capital reaches
Rs.8 billion.
2.4 SWOT Analysis

A. Strength
1) The bank is self-dependent institution with strong legal structure and has
maximum branches than any other commercial banks in Nepal.

2) High convicting power and self-motivated staff of the bank.

3) Public trust and believe is high due to its service and operations of long years
from its establishment.
4) Goodwill of the organization is excellent inside and outside the country.
B. Weakness
1) No facility of parking.
2) Customer’s complaints and grievances takes more than a month to solve.
3) There is poor co-ordination between departments and corporate
governance.
4) Most of the staffs are of old age and lack of banking knowledge leads
them difficulty to do banking transactions in computer.
C. Opportunities

1) Development of sophisticated technology to enhance the effectiveness of industry.

2) The managers as well as staff are very friendly which boost up the intern to learn
from them.
3) Increasing number of customers due to having faith in bank.
4) Growing faith and increasing transaction through bank help to gain name and
fame.

5) Still large number of population has been deprived of banking facility.

D. Threats
1) Increasing number and quick, reliable and advanced facilities of modern banking
system by various competitors’ leads to lower profit to some extent.
2) The Politian instability causes excessive effect in policy implementation.
3) The development of informal financial market and co-operatives are affective.
 CHAPTER III

LESSON LEARNT AND FEEDBACK

3.1 Conclusion
During the period of internship and the preparation of this report, Intern learnt a lot about the
banking sector and banking operation, about ADBL. The internship has been fruitful in many
ways to intern. This report in particular has made intern know about the various kinds of the
customer services remittance and clearing function that ADBL has been offering.
The intern learnt lots of other aspects other than the banking such as to socialize with the people,
deal with the senior staffs, and deal with the intern colleague so as to make the working
environment better and friendlier. This internship program also helps in learning the behavioral
issues which are most important within and outside the organization. Customer feel satisfied
when they are behaved properly. Their queries are needed to be answered politely so as to retain
them in the organization.
Lastly, ADBL is excellent in term of their services. ADBL is one of the most promising banks
today and have an opportunity to increases their market share by improving their customer
satisfaction by overcoming their weakness and doing their best to retain quality services.
3.2 Key Skill and Attitudes Learnt
During the period of Six weeks of internship tenure at ADBL changed the thinking prespective
of the intern. It provided the proper guidance for career buliding. Two months at ADBL was
truly a great experience for intern. A lot of knowledge having practical implication were grabbed
by the intern. The working environment of ADBL brought great insight of a true banking system.
Furthermore, the internship helped intern to understand corporate social responsibility and
develop corporate attitude. Intern not only got exposure to the professional world but has been
successful to change attitude, and behavior in the daily life spending. Learning the working
culture, general organization environment, work place behavior, and other important aspects is
the real prize awarded by the internship program to intern. Being attached with different
department of ADBL, intern learned the following points:
 1) Ways to deals with different types of customers and avoid as much argument with the
customers as possible.
2) Learn to face and handle problems effectively and efficiently.
3) Importance of being punctual, manage time and being patient.
4) Experienced the importance of time factor in bank for both customer and employee.
5) Experience that for positive result the coordination between employees of different level
is important.
6) Both the customer satisfaction and employee satisfaction plays a great role in the
success of the bank.
7) There is tough competition of banks for the survival and the tough competition in the
banks for employees as well as getting a job.
8) Build up self-confidence to deal with customers.

Many practical lessons were learnt which broadened the knowledge and brought work maturity
in the intern. So, these two months of internship was the time where the intern got the most
exposure to what it is like to work in real life than what was learnt in the classroom. The
internship program gave the intern the experience, which will help to build a platform and
prepare for the future.

3.3. Feedback to the Organization

By working as an intern at Agriculture Development 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 level:
1) ADBL is excellent in terms of their service despite with some pros & cons with the issue
related to customer satisfaction.
2) Customers had to wait for a longer period of time in the cash counters. Therefore, ADBL
should also try to increase the number of cash counters to minimize the waiting time of
the customers.
3) Rather the can also give proper trainings to the teller employees as they are slow in
dealing with customer and the customer had to wait longer in line.
4) The system failure from time to time leads the customers wait a long to achieve banking
facilities. So, checking and maintenance activities must be made daily.
 5) The required forms and files are not in proper order. It is hard to find the required one as
and when necessary.
6) There should be provision of rotation of interns during the internship period. It will be
better if the interns got chance to work in different departments.
7) Interns will be motivated if there is paid system for interns. In some banks there is
system of lunch along with the money too but in ADBL (Koteshwor Branch) there is no
system of paid intern as well as lunch.
8) The bank should publish brochures and should mention briefly about the interest rate and
other facilities which help the customers to know the schemes that are provided by the
bank.
9) The bank should not differentiate its customers. It has been found that the customers who
know the banks’ employees, their work is done fast while the rest of the customers should
wait in a queue for their transactions.
10) The bank should seek for the complaints from the customer and develop a system to
generate feedbacks and grievances from the customers. In order to do so different
techniques such as customer complain box at ever branch and address the complaints
through the mail.
11) Looking at the flow of the customer, there should be more cash payment counters. It is
found that the customers need to wait a long time for deposit and withdrawals of cash.
12) Bank need to focus on employee motivation to increase efficiency and productivity of
bank by providing training, better working environment, working tools and work places
should provide for generating maximum effort of employees.

3.4. Feedback to the College/ University

The internship period of 2 months is fruitful enough. I will like to thanks to the college and
university for providing the opportunity to work as an intern. Special thanks will be given to the
University for making this in the curriculum of BBA.
Working as intern in the ADBL has been beneficial in terms of building professional network
that will be helpful for intern professional life and career. It was a learning experience, where we
got a chance to develop new skills and enhance both practical and conceptual knowledge.
Getting an opportunity to work in the Agricultural development bank Limited has provided a
strong foundation on knowing the work environment and work ethics in the banking organization
and knowing the banking operations and system. Thus, this internship program offered by
college and university in fact has been proven to be the milestone in professional career.
1) Timely feedback about the intern should be taken from the supervisor to know about the
progress report and their job status.
2) The college should encourage the banks and other institutions to provide the intern with
tasks which makes them more challenging and more competitive.
3) College should maintain good relation with the banks so that in the future the relationship
with the banks and colleges can be continued.
4) The inspection program was very much effective but its impact would have been even
good if it is done earlier.
5) There should be provision of interactive class with the students by college while they are
working as interns and should discuss the ideas and experience, they got from the intern.
6) The college should conduct different types of educational programs and invite the
organizations so that they will be aware about the talent of the students.
7) The college should keep placement cells for the employment opportunities of the
students.
8) Arranging various programs and training would help us to learn more and develop our
skill.

In a nutshell, there should be adequate effort from all to make successful and continuous
improvement in internship program
References
 ADBL annual report (2069/70 to 2073/74)
 Banking news: Agricultural Development Bank limited 2072; special edition for 50 th
anniversary

Websites:
 www.adbl.gov.np
 www.nrb.org.np
 www.wikipedia.org

 www.sharesansar.com/company-analysis-agricultural-development bank

 www.nepalsharemarket.com/nepalsharemarket/Nepse/Analysis/
 ANNEX : LIST OF COMMERCIAL BANKS IN NEPAL

S.No Commercial Banks Established Head Office Number

No.
1 Nepal Bank Ltd Date
1937/11/15 Kathmandu of
110
2 Rastriya Banijaya Bank 1966/01/23 Kathmandu 140
3 Nabil Bank 1984/07/16 Kathmandu 50
4 Nepal Investment Bank Ltd 1986/02/27 Kathmandu 41
5 Nepal Standard Chartered Bank 1987/01/30 Kathmandu 15
6 Himalayan Bank Ltd 1993/01/18 Kathmandu 41
7 Nepal SBI Bank Ltd 1993/07/07 Kathmandu 56
8 Nepal Bangladesh Bank Ltd 1993/06/05 Kathmandu 20
9 Everest Bank Ltd 1994/10/18 Kathmandu 48
10 Bank of Kathmandu Lumbini Ltd 1995/03/12 Kathmandu 46
11 Nepal Credit & Commerce Bank Ltd 1996/10/14 Kathmandu 22
12 Macchapuchhre Bank Ltd 2000/10/03 Kathmandu 90
13 Kumari Bank Ltd 2001/04/03 Kathmandu 29
14 Laxmi Bank Ltd 2002/04/03 Birgunj 30
15 Siddhartha Bank Ltd 2002/12/24 Kathmandu 42
16 Agriculture Development Bank Ltd. 2006/03/16 Kathmandu 230
17 Global IME Bank Ltd. 2007/01/02 Birgunj 59
18 Citizens Bank International Ltd. 2007/06/21 Kathmandu 33
19 Prime Commercial Bank Ltd. 2007/09/24 Kathmandu 32
20 Sunrise Bank Ltd. 2007/10/12 Kathmandu 50
21 NIC Asia Bank Ltd 2007/10/12 Kathmandu 29
22 NMB Bank Ltd. 1996/11/26 Kathmandu 21
23 Parbhu Bank Ltd 2003/02/21 Kathmandu 50
24 Janata Bank Nepal Ltd. 2010/04/28 Kathmandu 24
25 Mega Bank Ltd. 2010/07/23 Kathmandu 44
26 Civil Bank Ltd. 2010/11/26 Kathmandu 13
27 Century Commercial Bank Ltd. 2011/01/23 Kathmandu 08
28 Sanima Bank Ltd. 2004/02/28 Kathmandu 22