AN INTERNSHIP REPORT ON SANIMA BANK LIMITED(Pokhara Branch)

SUBMITTED TO:Pokhara College of Management(Affiliated to Pokhara University)Gyan Marga, Pokhara

SUBMITTED BY:Sristina BatajooP.U. Regd. No: 2010-2-03-1059P.U. Roll No: 11030078

In partial fulfillment of the requirements for the degree ofBachelor of Business Administration (BBA)

Pokhara, NepalApril, 2014ACKNOWLEDGEMENT

An internship report entitle "AN INTERNSHIP REPORT ON SANIMABANK LIMITED" has been as a prerequisite for the Bachelor Degree in Business Administration of Pokhara University. This report has highly helped me to expand my knowledge on banking sectors and other activities related to banking system of Nepal. I am indebted to my college Pokhara College of Management for the great opportunity to experience this type of practical and necessary work which is very beneficial in my future career. I would like to express my deep gratitude to all those who assisted with their valuable suggestions and numerous ideas with valuable time while preparing the project. In this regard I would like to express my thanks to Sanima Bank Limited and its staffs for providing the exciting opportunity to be one of them and giving me thorough guidance and opportunity to move ahead with internship objectives.I would like to express my sincere thanks to Dr. Bishow Udhir Gharti, principal of Pokhara College of Management and the entire faculty members who have come across me from the initial stage of my project work to the complete execution of my project work.

Sristina BatajooPokhara College of Management 2010 Batch

TABLE OF CONTENTSChapter Page No.Chapter I Organization Profile1.1. Introduction 11.2. Background of the organization 11.3. Organizations mission and objectives 21.4. Major markets and customers 41.5. Product and Services 41.5.1. Products of Sanima Bank Ltd 41.5.2. Services of Sanima Bank Ltd 81.6. Organizational design and structure 111.7. Financial structure 121.7.1. Ownership structure 131.8. Organizational performance 14Chapter II Job Profile and Activities Performed2.1. Activities performed in the organization 162.2. Problem solved 192.3. Interns key observation 19Chapter III Lesson learnt and Feedback3.1. Key skills and attitude learnt 213.2. Feedback to the Organization 213.3. Feedback to the College/University 22REFERENCES 23

LIST OF TABLESTables Page No.Table 1: Branches of Sanima Bank Ltd 3Table 2: Details of Sanima Premium Saving 5 Table 3: Details of Sanima Fixed Deposit 6Table 4: Core Capital and its components 12Table 5: Supplementary Capital and its components 12Table 6: Total Qualifying Capital 13Table 7: Ownership structure of Sanima Bank Ltd 13Table 8: Financial Achievements of Sanima Bank Ltd 14

LIST OF FIGURESFigures Page No.Fig 1: Organizational Structure of Sanima Bank Ltd 11Fig 2: Shareholding pattern 14Fig 3: Bar Diagram of Financial Achievement 15

ABBREVIATIONSBL : Sanima Bank LimitedNRN : Non-Resident NepaleseNRB : Nepal Rastra BankSMS : Short Message ServiceATM : Automatic Teller MachineABBS : Any Branch Banking ServiceSr : SeniorPSTN : Public Switched Telephone NetworkSBGL : Small Business Growth LoanPIN : Personal Information NumberNTC : Nepal TelecomCSD : Customer Service DepartmentECC : Electronic Cheque ClearingKYC : Know Your CustomerSCT : Smart Choice TechnologyPOS : Point of SaleBOD : Board of Directors

CHAPTER IORGANIZATION PROFILE1.1 Introduction The financial institutions are the financial firms which collect funds from the public and place them in right investment that gives the probable return. Banks and financial sectors refer to all those service business organizations that are associated towards the performance of the economic transactions. They perform two major tasks of collecting deposits and providing loan to the local people as well as organizations. It collects savings from different individuals and companies and invests them in different projects and businesses. Financial institutions are lending institutions that are established for the specific purpose of extending financial loans to businesses that range from the small local business to international corporations.Finance companies are money market intermediaries. Finance companies exist to service both individuals and businesses. The main goal of the financial firm is to mobilize the public, private and external financial resources and transferring them into productive areas such as short term loan and long term loan in different commercial business activities with reasonable profits for the shareholders.In the recent days the banking sectors are largely increased and are responsible for collecting household savings in terms of different types of deposits and regulating them in the society by lending in various sectors of the economy. This sector has now reached to the most remote area of the country and has experienced a good deal in the growth of the economy by lending their resources in small scale industries.1.2 Background of the OrganizationSanima Bank Limited with the motto of strong and reliable commenced its operation in 2004 promoted by the Prominent and dynamic Non-Resident Nepalese (NRNs) Businessman. Sanima was the first private sector national level development bank in the country to be capitalized at NPR 320 million. Today Sanima has completed 10 years of consistent profitable operation. Its head office is located at Naxal, Kathmandu. In the pursuit of sustainable growth, Sanima has 27 full-fledged branches within and outside the Kathmandu Valley and has further plans to expand its reach in the various part of the country. Sanima received the operating license from NRB to function as an A Class Commercial Bank & has achieved the triumph to establish as 31st Commercial Bank of Nepal. The current shareholding pattern of the Bank constitutes of promoters holding 70% & general public holding 30%. The bank has increased its paid capital to RS 2.02 billion from some 800 million to upgrade into commercial bank. Sanima provides one window financial solutions to the customers with the wide range of Products and Services. Sanima not only offers readymade products and services, but also offers customized services to better suit the needs of the individual customer. Sanima use centralized banking software called PUMORI BANKING SOFTWARE. This software supports modern banking facilities like Tele banking, Internet banking, SMS banking, ATM services and many more. The sophisticated communication technology has interlinked its branches into centralized database system and enables the bank to provide anywhere banking facilities to its valued customers. It is also known as Any Branch Banking Service (ABBS). Sanima is committed to exceed customer expectations in all areas of its Business through consistent processes, innovations and improvements. (Sanima, 2014)1.3 Organizations mission and objectivesVisionTo be a trusted and leading bank in NepalMissionTo provide banking and financial solutions in a simplified way with customer focus while adding value to stakeholders' interests.GoalTo be one of top 10 banks in terms of profitability by mid July 2018.The core values or the objectives of the organization mainly are to meet customer satisfaction through easy and quality service and others are mentioned below: Bringing innovations and customization to meet customer need and to hold quality of service. Provide secured future for its internal employees. Attractive return to its investors. Lower rates for loan clients. Upholding honesty and sincerity Engaged in various social activities fulfilling corporate social responsibilities. Strengthen the market shares.1.4 Major markets and customersSBL expands its services for the development of the trade and industry in the country. It has been operating its business in many places of Nepal since ten years. Its major market is viewed to be every nook and corner of the country so it is extending further more branches in the various cities in the near future. The various branches recently in operation by the branch managers are: Table 1: Branches of SBLOfficesLocation

Head officeAlakapuri, Naxal, Kathmandu

DamakMain Road, Damak, Jhapa

NewroadKhichaPokhari, Kathmandu

DhadingbesiBich Bazar, Dhadingbesi, Dhading

KumaripatiKumaripati, Lalitpur

PokharaNew Road, Pokhara

NarayangarhPulchowk, Narayangarh

SuryavinayakSuryavinayak, Bhaktapur

ChuchchepatiChuchchepati, Kathmandu

InaruwaMain Road, Inaruwa

BelbariMain Road, Belbari

BhandaraMain Road, Bhandara

GongabuGongabu, Kathmandu

ChapagaunChapagaun, Lalitpur

KalankiKalanki, Kathmandu

MyanglungBich Bazar, Myanglung, Terathum

NepalgunjDhamboji Chowk, Nepalgunj

KhadbariKhandbari, Sankhhuwasabha

BiratnagarHanumanDas Road, Biratnagar

NaubiseSim Bazaar, Naubise, Dhading

BirgunjLink Road, Birgunj, Parsa

ButwalAmarpath, Butwal, Rupandehi

New BaneshworNew Baneshwor, Kathmandu

TekuTeku, Kathmandu

HetaudaParijatPath, Hetauda, Makwanpur

DhangadiDhangadi,Kailali

GhorahiGhorahi,Dang

1.5 Products and ServicesAs a pioneer in introducing many innovative products and marketing concepts in the domestic banking sector it represents a milestone in the banking history of Nepal with customer satisfaction considered as focus objective while doing business.1.5.1 Products of SBLI. Deposit SchemesA. Sanima Current AccountDifferent types of account are opened with different purpose. Current Account can be opened in the name of Proprietary Concerns, Partnership Firms, Corporations, Companies, Government Agencies, Non-Government Agencies, Loan clients etc. This account requires minimum balance of Rs.1000. The account holder can deposit and withdraw their cash unlimited. They are not provided any interest rate. (Sanima, 2013)

B. Sanima Premium SavingPremium saving account is an attractive and new saving account introduced by Sanima. This account can be opened with the minimum balance of Rs. 10,000. This account provides 5% interest rate per annum on daily balance. This is an attractive product for the customer to earn higher interest on saving account with free ABBS service. The interest rate of the product can be fluctuating over the period of time depending upon market condition and other various factors. (Sanima, 2013)Table 2: Details of Sanima premium savingOpening Balance NPR 10,000Rate of Interest 5%Interest Payable QuarterlyABBS FreeATM withdrawals Free withdrawals from any SCT NetworkSource: www.sanimabank.com.np,2013

C. Sanima Fixed Deposit Fixed deposit account is another type of account offered by Sanima bank with a specific feature. There are 4 types of schemes under fixed deposit account with varying time period. They are 3 months, 3 to 6 months, 6 to 9 months and 1 year and above. As concerning the amount depositors want to deposits the interest rate will be different. Under this account interest are payable monthly, quarterly and at maturity. The account holder has a facility of overdraft up to 80 percentage of their total deposit. (Sanima, 2013) Table 3: Details of Sanima fixed depositAccount TypeInterest Interest Rate (% p.a.)

Up to 3Above 31 Year &

MonthsMonths to below 1 yrabove

Sr. CitizenMonthlyN/A5%6%

IndividualQuarterlyN/A5%6%

InstitutionAt MaturityN/A4%5.5%

Source: www.sanimabank.com.np,2013

D. Sanima Nari Bachat Sanima Nari Bachat is focused for the women only to provide convenient banking experience. This account can be opened with zero balance which provides 4% interest rate on daily balance. The interest is payable quarterly. The account holder can get free SMS banking, free i-banking, free ABBS and free PSTN bill payment. Along with this 25% waive on safe deposit locker charge for 1 year is free.E. Shareholder SavingWith the objective of providing services to its shareholders, Sanima has established separate saving account which is called shareholders saving account. This account can be opened with zero balance which provides 4% interest rate on daily balance. (Sanima, 2013)F. Senior Citizen SavingsSanima bank limited offers special benefits and privileges for senior citizen. Any individual above 50 years can open an account with minimum balance of Rs.200 which provides many benefits to the account holder. (Sanima, 2013)G. Salary Deposit AccountSanima has also offered salary deposit account targeting Companies, Corporations, Government Agencies and Non-Government Agencies etc. The main objective of offering this account to different government and non-government companies is for facilitating to pay salary directly to the account of their employees. This account can be opened with zero balance which provides 4% interest rate and the account holder can get the facility of 20% overdraft of net salary. (Sanima, 2013)H. Sanima Prime Saving Another type of saving account is Prime saving account. Prime saving account can be opened with minimum balance of Rs.5000 which provides 5 percent interest rate per annum on daily balance. Interest is payable quarterly.I. Sanima Sulav BachatSanima Sulav Bachat is the different type of account provided by Sanima bank. This account can be opened in zero balance which gives 4% interest rate on daily balance. The interest payable is quarterly. J. Sanima Bishesh Bachat KhataSanima Bishesh Bachat Khata is the saving account provided by the bank which has the minimum balance of Rs.25000 with an interest rate of 6% per annum. This product provides free i-banking, free SMS and free ABBS charges.The common factor of all the account is free withdrawals of cash from any SCT network. The account holder of Sanima bank gets free withdraw of cash from any SCT network within the nation which has free access to 1100 ATMs and over 1341 POS Terminals across the country.II. LoansThe need for financing various short term and long term venture of both corporate and retail clients has been best fulfilled by the bank with its large loan product portfolio. The various kinds of loans provided by the bank are: Sanima SBGL Term loan Overdraft / Working capital Auto loan Sanima Home loan Education loan Sanima Gold loan Manpower loan Commercial loan Sanima Tractor and Agro Equipment loan

1.5.2 Services of SBLA. Sanima Bank have been issuing Sanima Debit Card to their depositors since January 2008.The Debit Card is linked to the Smart Choice Technology (SCT), the largest ATM Network Company in Nepal; providing 24 hours free access facility to its customers. Sanima Debit Card can be used in more than 1100 SCT network and over 1341 POS Terminals over the country to withdraw cash. Sanima Debit Card can be used in every ATM of Punjab National Bank, India to withdraw cash. Sanima Debit Card is issued at the time of opening saving or personal current account at an issuance cost of Rs.300 initially. An annual service charge of Rs.100 is charged in the second year from the debit card holder. Cash Withdrawal Mini Transaction Report Mini Statement Prints Balance Enquiry Payment for purchase of goods/ services at the merchant locations (through POS) Personal Identification Number (PIN) changeB. Sanima I-BankingSanima Bank offers internet banking services to its valued customers. The customer having i-banking facility can enjoy 24 hours the absolute freedom of banking from any part of the world. Sanima i-Banking gives every customer immediate online access to their accounts easily, conveniently and securely. The feel of luxury of complete internet banking can be received from Sanima i-Banking. Some of the features of i-Banking are: Access your accounts, 24 hours a day, 7 days a week Save money and time- no more stamps or handwritten Transfer funds within a group Make payment of Nepal Telecom bills Online shoppingC. Sanima SMS BankingSMS Banking is one of the services that Sanima Bank offers to its customers. Its a new 24 hour banking convenience which helps customer to stay on top of any recent changes made in the bank account or a loan account through mobile phone. The number for the service is 2265. Services offered under SMS Banking are as follows: Balance Enquiry Transaction notification Foreign Exchange Rate Enquiry Account Statement Request Cheque Book RequestD. Inward RemittanceRemittance is one of the major incomes generating service of banks. Remittance service of the bank is beneficial both to the business and personal customers as it make the transfer of money easier. It covers large percentage of its national income. It facilitates the sending and receiving funds to/from various places. It can also promote access to financial services for the sender and beneficiary increasing financial and social inclusion. Sanima Bank offers number of remittance products to furnish the customer need for transferring their money in and out of the country through: Sanima Xpress Prabhu Money Transfer Himal Remit Prithivi Remit Laxmi Remit Everest Remit MTA Express Remittance WORLD LINK Money Transfer City Express Money Transfer Reliable Development Remit IME Remit Money GramE. Any Branch Banking Services (ABBS)Sanima Bank has Any Branch Banking System to facilitate its customers to have easy transaction. As well, for the solutions of endless long procedure, rush hour traffic, long queues, risk of carrying huge sums of money to the bank, wanted to take out money from your account but to make the service more reliable bank introduced the convenient service. The customers can withdraw or deposit cash, receive information about the balance of their account or obtain a statements of accounts is convenient from any branch. The network is online and one can have access to his/her account from any of the branches of the bank.F. Foreign Currency TransactionSanima has been providing following Foreign Currency Transaction Foreign Currency Deposits Current Saving Fixed Deposit Account Travelers Cheque Sale / Purchase Cash Sale/ Purchase Demand Draft Inward / Outward Remittance SWIFT / Telegraphic Transfer Cross Currency TransactionG. Sanima Utility Payment NTC Post-Paid Payment NTC PSTN Payment ADSL PaymentCustomer can make a payment to Nepal Telecom for NTC Post-paid payment and can make a payment by filling a deposit receipt form and deposit the amount in any of the branch counters. This service is charged only with Rs.150 per year.1.6 Organizational Design and Structure

Figure 1: Organizational Structure of SBL (Pokhara Branch)This is organizational structure of Sanima Bank Limited, Pokhara Branch. Branch manager is head of the organization. He supervises the employees and takes major decision. Credit head deals with the loan customers and do documentation. The ready file is signed by credit officer & branch manager and send to the head office for the approval. It takes minimum 2 days for credit file to be approved by head office after sending from Pokhara branch. Operation department includes CSD and Teller department. CSD department deals with the customers perform task of cheque clearing, remittance etc. Teller department helps customer to deposit and withdraw cash from bank. Operation head control and supervise CSD and Teller staffs of the organization. Since it is branch office, all the staffs work with cooperation helping each other.

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

Table 4: Core Capital and its components

ParticularsCurrent Year NPRPrevious Year NPR

Paid up Capital20160000002016000000

Share Premium1056374710563747

Statutory General Reserves15496471793952490

Retained Earnings270370956203685

Profit/Loss191014986-13511555

Core Capital23995805452113208367

Table 5: Supplementary Capital and its components

ParticularsCurrent Year NPRPrevious Year NPR

General Loan Loss Provision15244039195951491

Exchange Equalization Reserves26587671800753

Investment Adjustment Reserve10355000555000

Supplementary Capital16545415898307244

Table 6: Total Qualifying Capital

ParticularsCurrent Year NPRPrevious Year NPR

Core Capital23995805452113208367

Supplementary Capital16545415898307244

Total Qualifying Capital25650347032211515611

Therefore, the total capital fund along with profit and retained earnings has been increased in the current year as compared to the previous year. The institute has increased its position in the market.

1.7.1 Ownership structureOwnership structure refers to the composition of the owners capital in the share capital. It generally comprises of contribution from the promoter shareholders, general public, institutional ownership and sometimes contribution from the government as well. The ownership contribution of the SBL comprises contribution from the promoter shareholders and the general public. Promoter shareholders hold 70% of the paid up capital and the rest 30% is from the general public. The authorized capital of the SBL is Rs.1.6 billion. Table 7: Ownership Structure of Sanima Bank Limited Rs. 000000DetailsCurrent Year NPR

Issued and Paid Up Capital2016

Promoters (70%)1411.2

General Public (30%)604.8

As shown in table 1.7, the ownership of the SBL is hold by the promoters and the general public. Out of the total issues and paid up capital, 70% of capital is contributed from the promoter shareholders and the rest 30% is held by the general public. The shareholder composition of the KBL for the fiscal year 2069/70 is presented in figure1.2 below.

Source: Sanima Bank Ltd., Annual Report 2069/70Figure 2: Shareholding PatternThe figure 1.2 shows the shareholding pattern of Sanima bank that states 70 percent promoters and 30 percent public. It means that the promoter have high authority and right then public. We can say that the promoter have the control over the management, they have right to declare the B.O.D and other decision.1.8 Organization PerformanceSBL has been successful to capture major market and customer in its ten year of journey from Bikash Bank to Commercial Bank since its establishment. The issued capital of the bank is around NPR 2.016 Billion out of which NPR1.411 Billion has already been paid by the promoters and 6.048 Million is issued to the general public. The brief highlights of the financial position of the bank as per the audit report 2069/2070 is:Table 8: Financial Achievements of Sanima Bank LimitedDetailsFigures in NRP

Deposit17782716

Loan and Advances15093073

Investments3848052

Operating Profit before Provision517043

Net Profit304950

Figure 3: Bar diagram of financial achievement

CHAPTER IIJOB PROFILE AND ACTIVITIES PERFORMED2.1 Activities performed in the organization In SBL I worked in three different departments i.e. CSD, loan and remittances. As a service oriented company the major responsibilities were to give better services to the clients promptly on their demand. I was mainly given the responsibility of service related issues under the supervision of the respective officers. In the period of my internship I helped the organization by sharing the workload of the respective officers. The working environment was very comfortable to work in with friendly staffs which made the work easier. The major responsibilities given to me are as follows: Opening an account Closing an account Issuance of cheque book and ATM Remittance department ECC department Maintenance of reconciliation Others

Opening an accountThe first thing I had to know was about the criteria of opening the account of a new customer. The responsibility of the customer service starts with opening of new account of the new customer informing them about the facilities available in the organization. I learnt about the documents required to open a new account. By opening an account bank bridge its customers to avail the facilities provided by the bank.

Closing of an accountI also had the responsibility to close the account of the customers who wants to close his/her account in the bank following the procedure strictly. The procedure for it was: Need of the written application by the account holder Return of the cheque book and the ATM provided to the customer Calculate the required charges according to the type of the account opened Return of the rest amount to the respective customer Finally it is updated in the system and the form is filed in closed account file.Issuance of cheque book and ATMThe cheque book and ATM had its own respective register which was required to be mentioned along with the signature of the customer in the register. Before printing the cheque book, requisition should be completed containing title of account type, a/c number, number of leaves to be printed and signature of the a/c holder. Signature of the holder is verified on the requisition. In case of holders inability to collect cheque book than he can give authority to the third person to collect the cheque book on his behalf only by signing on the requisition but it is not same in the case of ATM. The a/c holder must be present to collect it. The cheque book and ATM are registered in the long book or register mentioning all the essential information along with the stamp and signature of the authorized person.Remittance departmentThe work that I was assigned in this department was that of paying out the customers money that may be from local or international and also to send the local remit from Pokhara to other places. There are many remits such as Himal, IME, City, World link and many more but main remit used is Sanima Express for receiving or sending out the money. For paying out the remittance the number brought by the customer is entered in the respective page of the remit and the names are verified through the original government id and the print is taken out. The stamp of the bank and the authorized signature is made and finally the customer receives the money from teller.

ECC departmentI feel lucky that I could have the idea of newly emerged technology of Electronic Cheque Clearing (ECC). It is the new process of clearing the cheque of the other banks brought by the clients of SBL. Before ECC the particular staff was required to go to the clearing house i.e. NRB for clearance of cheque but ECC has avoided it and made work of employees more flexible. The supervisor made me capable to handle the cheques for clearing. I was assigned to do ECC in the absence of the respective officer. For clearing cheque at first the appropriate stamps are required with authorized signature and it is scanned through cheque scanner. After scanning it is again verified by senior officer. Maintenance of reconciliationReconciliation is the settlement of the things that may be cheques, ATM cards or PIN on the daily basis. I also learnt to make the reconciliation at the day end. It consist of opening balance, no. of cheque printed and delivered, no. of ATM card received and delivered, no. of PIN received and delivered and finally closing balance. The closing balance must tally with the stocks remaining at the end of the day. The print is taken out and is signed by two authorized officers for approval.Other activities performed Helping customers to fill up the forms or vouchers Receiving phone calls Cheque/statement printing and scanning Answering to the customers queries Checking balance or a/c number of the clients Filing documents Preparing documents of loan as instructed by the loan officer Updating KYC Preparing register of petty cash

2.2 Problems solvedThe internship period I did was short which was not enough for learning everything we need to. Though it was short but I tried my best to take the optimum advantage of this period to know the things to its surface in every department. The staffs were not able to guide sometimes as they used to get busy with their work and at those times I could not get the answers of my queries that I had. Being the part of bank as intern I cannot open up everything I know about the bank due to the oath of secrecy and confidentiality. I was given the chance to work in CSD and load department of the bank. I tried to solve the basic problems of the customers and others as well when other staffs were busy: Addressing the customers queries. Giving details of the available services to the customers for their flexibility. Filling up the account opening forms, vouchers or forms for remittance. Solving problems related to ATM or PIN. Problems related to reconciliation. Handling the problems faced by customers.2.3 Interns Key ObservationSanima bank is operating in the society to make the people easily access to the banking world. It has widened the area of its operation by opening the branches aiming to reach every people in the country. The bank has sound equity and is ranked to 2nd position by NRB for having few defaulters which secures the deposits of the customers. The investments made by banks are also in safe hands and the profits has been increasing year by year.It was a great experience to be a part of SBL and work as an intern. The seniors of the institution were very helpful and were always ready to impart their knowledge and solve the queries at their easy time. It is also introducing new products to attract more customers and one of them is hello paisa. The major thing that the customers appreciate is about the service of ATM which does not charge customers for withdrawing money from any terminals of any bank. The things that I was able to observe in this bank are as mentioned below: Laborious, helpful and cooperative members. Most of the customers are satisfied with the services provided. Good return to the shareholders. On time disbursement of loans. Involved in social activities as well. Quick remittance from any remit.

CHAPTER IIILESSONS LEARNT AND FEEDBACK3.1 Key skills and attitudes learntThe internship period was very fruitful which showed the face of real life job experience. I felt it to be quite effective to enter in the world of banking institutions. The internship period has taught me how we can implement the theoretical knowledge in our practical life. I too felt on- the-job training that we faced more profitable and practical rather than off-the-job training only which is monotonous and forgetful.We learnt interpersonal skill, communicational skill and technical skill that helped me to build my knowledge in a broad way. The interpersonal skills helped us to interact with the various types of customers and their various problems. The negotiation skills also got increased developing the softness and being more formal while communicating with the people or clients. The positive attitude also got developed while dealing with different nature of customers. We also learnt the technical skills to operate computer system, ATM machine, photocopy machine, fax machine, scanner, printer, ECC scanner and many more. There must be a two way effective communication with the customers so as to satisfy them with the services. Therefore all these skills were gained through internship which motivated for the better performance with developed personality.3.2 Feedbacks to the organizationThe organization is well enough but there are some drawbacks as nothing can be perfect. So here are the feedbacks to the institution to recover the limited drawbacks and to make it better and accessible: Increase the advertising media and change the hording board making it noticeable and attractive. To extend its branches to the remote areas to mobilize the resources. Increasing investment towards the new emerging business as per the present scenario of the state. Enhancing the ergonomics for the staffs and providing them better working environment reducing the pressures. Increasing effective trainings to the staffs for professionals development so than they can enhance their efficiency towards the customers and their works. Various programs to be conducted so as to attract more people towards the banking services and its facilities.3.3 Feedback to the College/University The university can incorporate the internship program with a longer time period so that it would help to boost the skills of student and may provide them with more learning opportunities. The university can be suggested to focus more on on-the-job training then theory classes. The college can be suggested to design the courses which will make the student more updated with the latest technology. College should try to promote the strength of the student and the course they are providing to the students so that the internee are assigned intern as per their capability and strength.

REFERENCE1. www.sanimabank.com.np,20132. www.google.com3. www.nrb.org.np4. Annual report of SBL5. Rose, P. S., & Hudgins, S. C. Bank Management and Financial Services (Seventh Edition.). Tata McGraw Hill Edition Private Ltd.6. Sanima Bank Limited. (2012). Internal Report of Kumari Bank Limited 2011/12.7. Brouchers of SBL.