An Internship Report On

GENERAL BANKING PRACTICES AT AGRICULTURAL

DEVELOPMENT BANK LIMITED

Submitted By:
Ganesh Bahadur Balayar
F.U. Registration Number: MG-2021-1-16-1521
KAILALI MULTIPLE CAMPUD
Dhangadhi, Kailali, Nepal

Submitted to:

Office of Dean
The Faculty of Management
Far Western University
Kailali

In Partial Fulfillment of the Requirements for the Degree of

BACHELOR OF BUSINESS ADMINISTRATION (BBA)

Dhangadhi, Kailali
2024
 DECLARATION
I hereby, declare that the internship report entitled “GENERAL BANKING PRACTICES AT
AGRICULTURAL DEVELOPMENT BANK LIMITED” submitted to the faculty of
management, Far Western University, Kailali is an original piece of work under the
supervision of Deepak Raj Pant, HOD of BBA Program, Kailali Multiple Campus,
Dhangadhi Kailali and is submitted in partial fulfillment of the requirements for the award of
the degree program of Bachelors of Business Administration, Far Western University. This
internship report has not been submitted by any other university or institution for the award
of any degree or diploma.

………………………

Ganesh Bahadur Balayar

2024

ii
 RECOMMENDATION

The internship report entitled “General Banking Practices at Agricultural Development

Bank Limited.” submitted by Ganesh BDR Balayar, student of Kailali Multiple Campus,
Dhangadhi, Kailali is prepared under my supervision as per the procedure and format
requirements laid by Deepak Raj Pant, HOD of BBA program, as partial fulfillment of the
requirement for the award of the degree of Bachelor of Business Administration (BBA).I
therefore, recommend the internship report for evaluation.

………………………….

TEACHING ASSISTANT

DATE: 2081/

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INTERNSHIP COMPLETION LETTER

iv
 APPROVAL SHEET

This is to certify that the Internship Report

Submitted
Ganesh Bahadur Balayar

Entitled
GENERAL PRACTICES OF DIPSHIKHA DHITOPATRA KAROBAR
COMPANY PVT.LTD.

We certify that we have read this document and in my opinion, it is satisfactory in

scope and quality area as an internship report in partial fulfillment for the
undergraduate course, Bachelor of Business Administration (BBM) held at Kailali
Multiple Campus, Far Western University.

………………. ………………… ………………….

Deepak Raj Pant Toya Raj Bhatta

Supervisor Program In Charge BBA Campus Chief

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 ACKNOWLEDGEMENT
This internship report has been prepared for the fulfillment of the requirement for the degree
of Bachelor of Business Administration (BBA) under the faculty of Management, Far
Western University. Every effort has been made to incorporate all the essential materials as
per the standard format in this study.

Firstly, I sincerely would like to thank Far Western University for including such a wonderful
task in the curriculum of BBA and giving an opportunity to prepare internship report as well
as expand knowledge horizon and potentiality. I also wish to acknowledge with deep
appreciation and profound gratitude to Kailali Multiple Campus for providing me with the
sufficient material to prepare this report and Deepak Raj Pant, In charge of BBA program,
Kailali Multiple Campus for providing such an opportunity to learn for students and effort to
continually guide me when needed.

Similarly, I would like to thank Agricultural Development Bank Limited (ADBL), Banking
Office, and Dhangadhi for accepting my presence and giving me an opportunity to work in
their organization. I would like to express my sincere gratitude and appreciation to all the
staff of bank for their guidance and support during the entire internship period.

I am indebted to Mr. Govinda Prasad Joshi, Branch Manager of Agricultural Development

Bank Ltd. Campusroad Branch for letting me do my internship. I would like to thank him for
welcoming to the bank and introducing me with other employees. I would like to extend my
heartfelt appreciation to all the staff of the bank for co-operation and guidance they provided
me during the period of my internship.

Lastly, I owe my depth of gratitude to all other persons who directly and indirectly helped me
in completion of this report.

Sincerely,

Ganesh BDR Balayar

TABLE OF CONTENTS

vi
DECLARATION...........................................................................................................ii
RECOMMENDATION................................................................................................iii
INTERNSHIP COMPLETION LETTER.....................................................................iv
ACKNOWLEDGEMENT.............................................................................................v
LIST OF TABLES......................................................................................................viii
LIST OF FIGURES......................................................................................................ix
ABBREVIATIONS........................................................................................................x
CHAPTER I.....................................................................................................................
INTRODUCTION..........................................................................................................1
1.1 Background of the Study.................................................................................1

1.2 Objective of the Study..........................................................................................2

1.3 Methodology........................................................................................................2

1.4 Significance of the Study.....................................................................................6

1.5 Limitations of the Study.......................................................................................6

CHAPTER ii....................................................................................................................
INTRODUCTION OF THE banking INDUSTRY........................................................7
2.1 Meaning and Definition of Banking....................................................................7

2.1.1 History of Banking in Nepal......................................................................................9

2.1.2 Present Scenario of Nepalese Banking System and its Classification.....................11

CHAPTER III...................................................................................................................
INTRODUCTION OF THE ORGANIZATION.........................................................12
3.1 Introduction of Agricultural Development Bank Limited.................................12

3.2 Share Ownership................................................................................................14

3.3 Board of Directors..............................................................................................15

3.4 Management Team.............................................................................................15

3.5 Number of Employees.......................................................................................16

3.6 Organizational Structure of ADBL, Ratopool Branch.......................................16

3.7 Departments and their Functions.......................................................................16

3.8 Product and Service Offered by ADBL.............................................................20

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 Clearing services......................................................................................................22

3.9 Performance / Financial Position.......................................................................23

3.10 Working Process of ADBL..............................................................................24

3.11. SWOT Analysis of ADBL..............................................................................25

Chapter IV........................................................................................................................
Analysis OF ACTIVITIES DONE AND PROBLEM SOLVED....................................
4.1 Activities Performed in the Organization..........................................................25

4.2 Problem Identified and Solved...........................................................................33

CHAPTER v.....................................................................................................................
CONCLUSIONS AND LESSON LEARNT...................................................................
5.1 Conclusion.........................................................................................................33

5.2 Lesson Learned..................................................................................................35

REFERENCES.................................................................................................................

LIST OF TABLES
Table 1: Placement Details…………………………………………………………………...3

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Table 2: Internship Duration…....…………………………………………………………….4
Table 3: Current Status of Financial Institution………………………………………….….11
Table 4: Accounts and their Interest rate……………………………………………….……20
Table 5: Loan and their interest rate…………………………………………………………21
Table 6: Organizational performances……………………………………………………….24

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 LIST OF FIGURES
Figure 1: Customer Service Department and its Functions……………………………….…17
Figure 2: Cash Department and their Function…………………………………………...….18
Figure 3: Work Flow Process of ADBL………………………………………………….…..24

x
 ABBREVIATIONS
ABBS Any Branch Banking System
A/c Account
ADBL Agricultural Development Bank Limited
ATM Automated Teller Machine
BAFIA Bank and Financial Institutions Act
BBA Bachelor of Business Administration
BLB Branchless Banking
CA Company Act
CDM Cash Deposit Machine
CEO Chief Executive Officer
CSD Costumers Service Department
DGM Deputy General Manager
ECC Electronic Cheque Clearance
FY Fiscal Year
IPO Initial Public Offering
IPS Interbank Payment System
KYC Know Your Customer
NCHL Nepal Clearing House Limited
NPR Nepalese Rupee
NRs Nepali Rupees
NRB Nepal Rastra Bank
ROs Regional Offices
RTGS: Real Time Gross Settlement
SWIFT Society for Worldwide Interbank Financial Telecommunication

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 CHAPTER I
INTRODUCTION

1.1Background of the Study

This study report has been prepared for the fulfillment of the requirement for the degree of
“Bachelor of Business Administration”. The Bachelor of Business Administration (BBA)
program under the faculty of Management of Far Western University consists of sixth
semesters. The program has a wide coverage of conceptual inputs and has emphasis on
practical application that familiarizes students with the overall functioning of organization
and their interaction with the total environment within they operate. A Bachelor in Business
Administration (BBA) is four years academic program with eight semesters. Students are
required to do internship in Sixth semester and prepare report for the fulfillment of degree.
This is a part of academic program which helps to enhance student’s knowledge and power.

The study is aimed to provide students with a variety of skills and ideas applied in corporate
environment. It actually prepares the students to face real organizational challenge
beforehand. An internship is a professional learning experience that offers meaningful,
practical work related to a student’s field of study. It is a practical learning experience,
outside the normal classroom setting, in which students learn about corporate culture; how
organizations operate that provide the platform to apply the theoretical knowledge. An
internship program gives a student the opportunity for career exploration and development,
and to learn new skills.

The report consists of knowledge and experience that students have gained in organization.
An internship is a position, which allows a student to gain professional experience in an
occupational area they are considering. It allows any student to develop new skills in the field
and offers the student training and supervision that facilitates learning. This internship
program aims to provide training and prepare students for managerial functions, to develop
students interpersonal and communication skill by encouraging them to interact with the
people in the organization. It helps to know how internship program support the students to
understand, identify and analyze the importance of organizational process, business
environment and real work environment problems.

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1.2 Objective of the Study
The primary objective of this internship program is to provide the practical knowledge,
experience and problem faced in real life situation in banking sector. The basic purpose of
internship is to gain practical exposure to the real life working situation and to relate the
academic knowledge to the practical work situation. The general objective of this study is to
fulfill the requirements of the degree of BBA. The other specific objectives are mention
below:

i. To acquire practical knowledge in banking field.

ii. To understand the works of various department and how it operates.
iii. To develop interpersonal and communication skills.
iv. To develop sense of dedication and responsibility.

1.3 Methodology
The preparation of internship report needed certain information, qualitative and quantitative
data. Therefore, a systematic approach and research methodology was followed to collect the
needed information which includes primary and secondary sources such as observation of day
to day work, published sources, organization homepage etc. This report has been prepared on
the basis of six weeks three days internship experience at Agricultural Development Bank
Limited, Campusroad branch. The internship report itself act as an important basis for data
generation for the report work. An internship program is designed with the motive to provide
a clear picture of operations carried out in this bank. The following represent the
methodology of the study.

Organization Selection
The first step of this study was to select a suitable organization for the internship. Selection of
appropriate organization is very important as the scope for learning for an internee depends
upon the organization itself. Being a student of BBA with specialization in banking internee
had many alternatives to pursue the internship program. There were many factors for the
selection of organization to perform internship. Considering the area of interest, subject area
and future career prospects bank became the foremost choice as the course of study is based
on the Banking. After that, Agricultural Development Bank Limited was selected to pursue
the internship program because it is an emerging and renowned bank in retail banking with
modern information technology support, infrastructure and greater future prospect. The
internship in ADBL was possible only after the internee dropped the recommendation letter

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of the college, along with Curriculum Vitae, Citizenship to the branch office of Agricultural
Development Bank Limited.

Placement
During the period of internship, internee was placed at Dhangadhi, Campusroad Branch of
Agricultural Development Bank Limited and was placed in different desk of the branch such
as Customer Service Department (CSD), Credit Department, Account and Administration
Department, Digital Department. The support and cooperation the internee got in the bank
was instrumental. Internee got the opportunity to work and observe the task over different
desk of bank.

Table 1
Placement Details

Name of Organization Agricultural Development Bank Limited

Branch Campusroad, Kailali
Position Intern
Working Duration 6 weeks 3 days
(14 March, 2024 – 10 May, 2024)
Department Customer Service Department(CSD)
Credit Department
Account and Administration Department
Digital Department
Sources: ADB

Duration of Internship
The duration of internship has been defined for six or more weeks. So, in order to fulfill this
requirement, internship was done for 6 weeks starting from 14 March, 2024-10 May 2024.
The internship was the great opportunity to learn and develop administrative, interpersonal,
managerial and behavioral skills in the real working environment. The internee was able to
learn the bank’s culture, work environment and working procedure regarding banking
activities in detail.

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Table 2
Internship Duration

Department Working Weeks

Customer Service Department 2 Weeks
Credit Department 2 Weeks
Account and Administration Department 1 Weeks
Digital Department 1 Weeks
Sources: ADB

Nature and Source of Data

This report is basically prepared on the basis of six weeks three days internship work in
different desk of Agricultural Development Bank Limited. Primary and secondary sources
have been used to collect the necessary data which are as follows:

a) Primary Source
Primary data are the first hand data. Personal interaction and discussion with the staffs of
Agricultural Development Bank Limited has helped a lot to gather more information for the
preparation of this report. Most of the primary data were collected through the following
sources:

 Discussion with officials of ADBL

 Instruction of supervisor
 Self-participation in operation activities
 Observations of the bank and its environment
 Direct dealings with the customer in the bank
b) Secondary Source
Secondary data are collected from both published and unpublished sources. Some of the
major sources of secondary data are as mention below:

 Directives of Nepal Rastra Bank (NRB)

 Annual Report of ADBL
 Websites of ADBL (https://adbl.gov.np/#!)
 Brochures and other sources

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Activities Performed
In the bank, various jobs were assigned to perform during the working hours depending on
the departments the internee was placed. During the internship period, the internee got
opportunities to perform various roles that are as follows:

Customer Service Department

 Filling of account opening form, cheque books, and other necessary documents.
 Updating new account and Know Your Customer (KYC) document in Web Based
Data Management System (WDMS).
 Photocopy and scanning the document.
 Handling telephone calls and customers queries.
 Opening and closing of accounts.
 Entering the records in register.
 Distributing the cheque books and the Debit cards lockers information.
 Issuing of new cheque books to customer.
 Balance inquiry and bank statement dispatching.
 Filling different types of forms.

Account and Administration Department

 Scanning and mailing documents.
 Learn to make general ledger.
 Filling and Documentation.
 Learn to make preparation of customer bills and more.

Credit Department
 Collecting personal details of borrowers.
 Collecting personal details of guarantors.
 Keeps complete record on CIB to identity number of loan account and details.
 Finding errors on citizenship and other personal details of customers.
 Scanning and Mailing
 Maintenance of record in MS- Excel.

Digital Department

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  Electronic cheque clearing
 Sending RTGS Mail
 Generating Mobile Banking of Customers
 Maintaining records in Ms-Excel for ECC charge
 Renew Mobile Banking

1.4 Significance of the Study

There are some significances of the study which are pointed as:
 Helps to know about the activities performed and product offered by the bank.

 Helps to know what sorts of activities they are performed in routine basis and
managerial basis.

 Helps to know what sorts of behavior bank's staff show toward customer and about
customer satisfaction.

 Helps to get knowledge about what sort of technologies are being used by the bank.

 Helps to study about the customer behavior and how to deal with them.

 Helps to gain practical knowledge about the entire banking activities.

1.5 Limitations of the Study

Despite of most of the efforts undertaken to make internship more realistic, practicable in
terms of Nepalese context there are limitations of study:

 Time and resources constraints are the major limitations of this report.
 It is based upon personal understanding of the internee regarding the bank’s operation
during the internship period.
 Due to the safety and privacy standards of the bank, all information could not be
accessed.
 Despite the sincere effort and willingness to help of the bank executives, their busy
schedules could not give to internee as per the expectations.
 Complexity to understand the terminologies used in bank.
 Internee was made familiar only with the routine works of bank rather than core
information.

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 CHAPTER II
INTRODUCTION OF THE BANKING INDUSTRY

2.1 Meaning and Definition of Banking

Bank is a financial institution that deals with the monetary transaction. It is the financial
sector that does the activities of borrowing and lending funds of customers. Bank may
provide financial services, such as wealth management, currency exchange and safe deposit.
The major function of bank is accepting deposits and granting loans but also for providing
wide range of banking services to the different people in society. Banking sector play vital
role in overall development of economy.
Proper definition of banking varies from country to country. The definition of bank includes
receiving money on current or deposit account, paying and collecting cheques drawn by or
paid in by customers, the making of advances to customers.
Some Definitions
According to BAFIA, 2073, “Bank” means a corporate body incorporated to carry on
financial transactions as referred by law.” (Bank and Fianacial Institution Act, 2073, 2017)
"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 overt
foreign currencies, remitting funds, etc."(Nepal Rastra Bank Act, 2002)
The main business of a bank is to pool the scattered idle money in the public and channel it
for productive use, it is established to safeguard the money of people, which is used to grant
loans and make investment the main function of bank is accepting deposits and advancing
loan. Bank provides certain percent of interest in deposits made and distributes the
accumulated fund to others, who are in need of money by charging certain amount of interest,
which is generally higher than the interest that it gives to its depositors. A bank generates
profit from the difference between the level of interest it pays for deposits and other sources
of funds, and the level of interest it charges to its lending activities.
There are several different kinds of banks including retail banks, commercial or corporate
banks, and investment banks. Bank collects scattered money from public in the form of
deposit by providing them interest and lends the accumulated deposit to others, who are in
need of money for personal as well as business spending and investments by charging certain
percent of interest, which is usually higher than the interest that it gives to the depositors.

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Commercial banks are the largest depository institutions measured by assets and banking
sector definitely plays a vital role in the overall development of an economy.

2.1.1 History of Banking in Nepal

The history of banking in Nepal is believed to be started from the time of Prime Minister
Ranoddip Singh in 1877 A.D. he introduced many financial and economic reforms. The
Tejaratha Adda was established at that time and its basic purpose was to provide credit
facilities to the general public at a very concessional interest rate. The Tejaratha Adda
disbursed credit to the people on the basis of collateral of gold and silver. All employees of
government were also eligible for this type of loan, which was settled by deducting from their
salary. Tejaratha Adda extended credit only; it did not accept deposits from the public.
Nepal bank Ltd. is the first modern bank of Nepal. It is taken as the milestone of modern
banking of the country. Nepal bank marks the beginning of a new era in the history of the
modern banking in Nepal. This was established in 1937 A.D. Nepal Bank has been
inaugurated by King Tribhuvan Bir Bikram Shah Dev on 30 th Kartik 1994 B.S. Nepal bank
was established as a semi government bank with the authorized capital of Rs.10 million and
the paid -up capital of Rs. 892 thousand. Until mid-1940s, only metallic coins were used as
medium of exchange. So the Nepal Government (His Majesty Government on that time) felt
the need of separate institution or body to issue national currencies and promote financial
organization in the country.
Nepal Bank Ltd. remained the only financial institution of the country until the foundation of
Nepal Rastra Bank is 1956 A.D. Due to the absence of the central bank, Nepal Bank has to
play the role of central bank and operate the function of central bank. Hence, the Nepal
Rastra Bank Act 1955 was formulated, which was approved by Nepal Government
accordingly, the Nepal Rastra Bank was established in 1956 A.D. as the central bank of
Nepal. Nepal Rastra Bank makes various guidelines for the banking sector of the country.
A sound banking system is important for smooth development of banking system. It can play
a key role in the economy. It gathers savings from all over the country and provides liquidity
for industry and trade. In 1957 A.D. Industrial Development Bank was established to promote
the industrialization in Nepal, which was later converted into Nepal Industrial Development
Corporation in 1959 A.D.
Rastriya Banijya Bank was established in 1965 A.D. as the second commercial bank of
Nepal. The financial shapes for these two commercial banks have a tremendous impact on the
economy,y. That is the reason why these banks still exist in spite of their bad position.

8
As the agriculture is the basic occupation of major Nepalese, the development of this sector
plays in the prime role in the economy. So, separate Agricultural Development Bank was
established in 1968 A.D. This is the first institution in agricultural financing.
For the development of banking system in Nepal, NRB refresh and change in financial sector
policies, regulations and institutional developments in 1980 A.D. Government emphasized
the role of the private sector for the investment in the financial sector. These policies opened
the doors for foreigners to enter into banking sector in Nepal under joint venture.
Banking software, ATM, E-banking, Mobile Banking, Debit Card, Credit Card, Prepaid Card
etc. services are available in banking system in Nepal. It helps both customer and banks to
operate and conduct activities more efficiently and effectively.
Some foreign ventures are also established in Nepal such as Nepal Bangladesh Bank,
Standard Chartered Bank, Nepal Arab Bank, State Bank of India, ICICI Bank, Everest Bank,
Himalayan Bank, Bank of Kathmandu, Nepal Indo-Suez Bank and Nepal Sri Lanka Merchant
Bank etc.
The NRB will classify the institutions into “A” “B” “C” “D” groups on the basis of the
minimum paid-up capital and provide the suitable license to the bank or financial institution.
Group ‘A’ is for commercial bank, ‘B’ for the development bank, ‘C’ for the financial
institution and ‘D’ for the Micro Finance Development Banks. For more than two decades, no
more banks were established in the country. After declaring free economy and privatization
policy, the government of Nepal encouraged the foreign banks for joint venture in Nepal.
Today, the banking sector is more liberalized and modernized and systematic managed. There
are various types of bank working in modern banking system in Nepal. It includes central,
development, commercial, financial, co-operative and Micro Credit (Grameen) banks.
Technology is changing day by day. And changed technology affects the traditional method
of the service of bank.

2.1.2 Present Scenario of Nepalese Banking System and its Classification

After the resolution of democracy in Nepal there has been tremendous development in
banking sector. The economic and financial reform policies undertaken by the government
have increased both number of banks and the types of service offered. Banks are gradually
shifting towards IT-based solution to enhance service delivery in order to address customer
concerns. Banks have launched various products like E- banking, ATM, mobile banking
which facilitates several account query tools. Since number of players is rising, the

9
competition has been growing in banking industry; the most obvious effect of the rising
competition can be seen in the interest rates offered by the banks. Nepal Rastra Bank has
classified bank and financial institutions into four categories (Nepal Rastra Bank, 2021):

Table 3
Current Status of Financial Institution
Types of Financial Institution Number of Institution
Commercial Banks 20
Development Banks 17
Finance Companies 17
Micro-Finance Development Banks 55
Infrastructure Development Bank 1

Sources: Mention here

Commercial Bank (Class A)
Commercial bank refers to a financial institution that accepts deposits, offers checking
account services, makes various loans, and offers basic financial products like certificates of
deposit (CDs) and savings accounts to individuals and small businesses. A commercial bank
is where most people do their banking. Commercial banks make money by providing and
earning interest from loans by utilizing customer’s deposit.
Development Bank (Class B)
Development banks are specialized financial institutions. They provide medium and long-
term finance to the industrial and agricultural sector. They provide finance to both private and
public sector. Development banks are multipurpose financial institutions. NRB has classified
development banks into three categories, national level development bank, district level
banks covering 4-10 districts and banks covering 1-3 districts.

Finance Company (Class C)

Finance companies are specialized financial institution that supplies credit for the purchase of
consumer goods and services by purchasing the time-sales contracts of merchants or by
granting small loans directly to consumers. NRB has classified finance company into two
classes on the basis of numbers of districts they covered.
Microfinance Company (Class D)

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Microfinance is a financial service aimed at low-income individuals or at those who do not
have direct access to typical banking services. Microfinance encompasses a number of
financial services like micro-credit, micro-lending, micro-insurance, savings and money
transfer among others. A microfinance institution (MFI) provides financial services to the
communities who cannot offer collateral against the loans they take but have skills and desire
to undertake economic activities for generating income and self-employment. NRB has
classified financial companies into three classes on the basis of number of districts they
covered.

CHAPTER III
INTRODUCTION OF THE ORGANIZATION

3.1 Introduction of Agricultural Development Bank Limited

With the main objective of providing institutional credit for enhancing the production and
productivity of the agricultural sector in the country, the Agricultural Development Bank,
Nepal was established in 1968 under the ADBN Act 1967, as successor to the cooperative
Bank. The Land Reform Savings Corporative was merged with ADBN in 1973. Subsequent

11
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 amendments
also permitted the bank to engage in commercial banking activities for the mobilization of
domestic resources.
Agricultural Development Bank Limited (ADBL) is an autonomous organization largely
owned by Government of Nepal. 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 an
“A” category financial institution under the legal framework of BAFIA and the Company
Act, 2053. Agricultural Development Bank Limited has access to the correspondent network
for fund/remittance transfer, commercial payment, foreign exchange/money markets, letter of
credit or any banking business anywhere in the globe.
Organization’s Vision, Mission and Objectives
Vision
 To be a Mass- based Complete Bank serving from Urban to Rural

Mission

 To deliver comprehensive banking solution strengthening its extensive network

Objectives

 To provide quality banking services

 To adopt market driven strategy
 To obtain sustained and competitive return on investment

Corporate Conduct
In achieving its corporate objective in pursuit of its corporate mission and vision, ADBL will:
 Comply with all relevant legislation, code of conduct and standards of good
corporate citizenship in Nepal while maintaining full autonomy in the management
of its operations;
 Conduct its operations in an open and transparent manner;

12
  Put local resources to work for local development, serving the rural community and
its aspirations;
 Provide a full and balanced range of financial products and services that satisfies the
needs of the rural population of Nepal, on a profitable and sustainable basis;
 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 needs;
 Be vigorous in building reputation for professionalism, competitive pricing,
reliability and quality of service innovation;
 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
 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.

3.2 Share Ownership

The share ownership in Agricultural Development Bank (ADB) is 51 %government owned

and 49% public owned, and the largest commercial bank in Nepal.

3.3 Board of Directors

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 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 and Sub-Committee for various activities related to risk management.
The bank has three-tier organization structure consisting of Head Office, Regional Office
(ROs) and field offices. Field offices are further categorized into three levels; main branch,

13
branch and sub-branch depending particularly upon their volume of business. The head office
is the policy making body at the top, field offices are implementing units at the bottom and
ROs with monitoring and supervisory role are in between.

ADBL is also operating a Central Training Institute (CTI) at corporate level in Bode,
Bhaktapur under Head Office Structure and five Regional Training Centers (RTCs) with
residential facilities in five development regions. The CTI and RTCs conducts training and
seminars particularly for enhancing abilities and skills of organizational members.

3.4 Management Team

The ADBL management team comprises of experienced professionals with years of

experiences in different commercial bank and another financial sector of Nepal. The
Management team of the bank is committed towards the up liftment of bank in the height of
success through customer satisfaction.

 Mr.Govinda Gurung (Chief Executive Officer)

 Mr.Pratap Subedi (Deputy GM,Credit Approval and Control)
 Dr.Babu Kaji Thapa (Deputy GM ,Credit Business)
 Mr. Yagya Prakash Neupane (Deputy GM,Marketing and Sales)
 Mr. Dirgha Bahadur Aryal(Deputy GM,Operation and Service)
 Mr.Prem Kumar Shrestha(Deputy GM,Finance)
 Mr. Nirmal Prasad Upadhaya(Deputy GM,Chief Director-Bagmati and Gandaki)

3.5 Number of Employees

The Campusroad branch of ADBL is one of the most efficient branches in kailali District. At
present the number of staffs has reached to 9 staffs and 3 guards and 2 helper and 0 drivers.
At present Mr. Govinda Prasad Joshi is the branch manager. The branch has a team of
dedicated employees with a great level of cooperation among them. With a good growth rate
of progress in terms of loan portfolio and deposit it has also maintained good relationship
with the customers.

3.6 Organizational Structure of ADBL, Campusroad Branch

ADBL, Campusroad Branch has got flat organizational structure, which enable day-to-day
operation and decision making easy. To delegate the authority and responsibility among the
employees, the bank has developed the Organizational Structure (See Annex II).

14
3.7 Departments and their Functions

There are basically five major departments in ADBL, Campusroad, Dhangadhi, Kailali i.e.
Customer Service department, Teller/Cash Department, Account and Administration
Department, Credit Department and Electronic Cheque Clearing. Within operation
department, it has its customer service, remittance, clearing and cash department. Each
department has its own functions. The concerned department performs their duties and
responsibilities regarding the function of their departments.
Customer Service Department (CSD)
CSD is one of the important departments of the organization. The entire customer’s related
tasks are done in CSD like various account opening, providing correct information about
bank’s products and services, counseling and motivating them to utilize the services offered
by the bank and satisfying their queries regarding bank and its services. Another task of this
department is to print cheques, balance statement, clearing statement and transaction
statement of respective teller. This department is also a reception of the bank where the
functions such as: handling telephone, transferring calls, receiving and sending mails,
forwarding and maintaining files and documents are carried out. This department looks after
the ATM also by filling the form and maintaining the card registered. The following figure
shows the structure of CSD:

Figure1
Customer Service Department and its Functions

Customer Service Department and its functions

Customer Service Account Opening Others

Providing Personal Account

A/c closing and
Information (saving a/c, current
schemes change
a/c, fixed deposit)

Counseling Cheque and

Other than statement printing
individual a/c

15
 Source: write source from where you have got it

Teller/Cash Department
Cash Department is one of the most important and risky departments as the transaction are
directly associated with real cash. Hence, the teller must be very careful and must have great
presence of mind while handling transaction. In ADBL Campusroad, both teller works at one
time as the bank will be back. The tellers are responsible for the cash deposit and payment.
They make payment against cheque, manage cheque, and other payable instrument by
verifying the signature of the concerned person. Cash Department has other functions like
counting, sorting cash properly and bundling cash deposits according to demonstrations and
currency. There are two tellers in Campusroad branch. Teller 1 and Teller 2. The structure of
cash department is given below:

Figure 2
Customer Service Department and its Functions

Cash Department and their Functions

Teller Others

Counting
Cash Deposit and Money
Payment

16
 Source: ADBL

Account Section
This department includes the work related to share, management of accounts and
authorization of ECC cheque. Accountant handles all the accounts the branch in quarterly
basis. Administrator carries out the financing activities of the concerned branch as well as
work related to shares like managing bonus certificate including dividend cheque provided at
the year to the shareholders of the organization. In the year 2014 bank had provided 30%
dividend to their shareholders whereas 15% dividend including bonus share was provided to
shareholders in 2018.Account Section is responsible for managing salary of staffs, preparing
depreciation account in quarterly basis, managing information of every staff, maintain daily
transactions, preparing monthly report, conduct meeting and many more.

Credit Department

17
This department is one of the major departments of ADBL since the main objective of bank is
concerned with this department. This department has the major function of mobilizing the
funds that is created by the deposits through lending it in different sectors. This department
provides credit/loan to the customers, after looking and analyzing at various necessary
documents concerned with the loan demander such as collaterals for the security purpose,
financial background, legal documents etc. to know the customers feasibility. This
department sets various interest rates according to the types of loans provided as per the
policy formulated for credit creation.
Different types of funded loans provided by ADBL are shown in following table:
 Auto Loan
 Foreign Employment Loan
 Home Loan
 Residential Loan
 Agricultural Production Loan
 Livestock Loan
 Small and Cottage Industry Loan
 Products and Inputs Marketing loan
 Sahuliyat Loan
 OD Loan
 Individual Loan
 SaralkrishiKarja
This department also handles different types of Bank Guarantee.

3.8 Product and Service Offered by ADBL

Deposits
Deposits are the funds collected by the bank from account holders for the security and
transaction motives. Deposit accounts are the important product offered by ADBL. It offers
different kinds of account with different interest rates:
Loans and advances
The principle reason banks are chartered by state and federal authority is to make loans to
their customers. Banks are expected to support their local communities with an adequate
supply of credit for all legitimate business and consumer financial needs rates. ADBL

18
provides various types of loans to its clients. Various interest rates bank charge for loan they
provided is mentioned below:

Table 5
Loan and their interest rate
S. Types of Loan Premium Range (%)
N
1 Agro production loan Base Rate Plus up to 2
2 SaralKrishiKarja Base Rate Plus up to 5
3 Home stay service loan Base Rate Plus up to 3
4 Household loan Base Rate Plus up to 5
5 Employee Service Loan Base Rate Plus up to 2
6 Overdraft Loan Base Rate Plus up to 2

19
 6.1 Individual Base Rate Plus up to 5
6.2 Institutional Base Rate Plus up to 5
7 Home Loan Base Rate Plus up to 2
7.1 5 Years Base Rate Plus up to 2
7.2 10 Years Base Rate Plus up to 2
7.3 15 Years and above Base Rate Plus up to 3
8 Sahuliyat Karja Base Rate Plus up to 2
9 Livestock Loan Base Rate Plus up to 2
10 Service Loan Base Rate Plus up to 3
11 Tourism Loan Base Rate Plus up to 2
Sources: ADB

Clearing services
In today’s competitive world, the bank cannot sustain until it provides better service, facilities
to its valued customers. ADBL provides easy access to customers by helping them to deposit
their money to the concerned bank where their account is through clearing proceeds on online
mode.
Any Branch Banking System
ADBL is providing ABBS service within the country to provide convenience to the
customers.

Online Banking
It is a free service that allows customers to avail online banking transaction wherever and
whenever required. It includes balance query, cheque transactions, send and receive messages
and bank statement.
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.

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  Inward Remittance
Remitters who are abroad can transfer money payable from ADBL through Western Union
Money Transfer Services, Himal remit, Prabhu remit, City remit, Siddhartha remit, Sewa
remit, IME remit. One 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.
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. 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).

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.

3.9 Performance / Financial Position

Financial position is the current balances of the recorded assets, liabilities and equity of an
organization. This information id recorded in the balance sheet, which is one of the financial
statements. The financial position of ADBL is mentioned in given table:

 Organization’s Financial Performance

ADBL area of business has been expanded from its established year. It is now able to capture
more market especially in city because of the use of latest technology. Bank has been able to
gain competitive advantages in the market and able to win the heart of customers. It is able to
maintain efficient portfolio in lending to minimize risk. All in all, ADBL is comparatively
performing well with its performance.

21
Table 6
Organizational performances

Year
Verifying Customer Net profit CSD
Demand for Account Fill the form and
Entry Documents opening form submit
2077/78 3,690,000,000

2076/077 1,778,535,771
Account Opened
2075/076 2,933,475,162 Signing document by
2080/81 3,650,000,000 CSD Staff
Authorization
Source: ADB

However,the
Opening in compare to the fiscal year 2076/077, the profit of ADBLPass
Scanning hastodecreased by Rs1,
the BM for
154,939, 391 in the fiscal year 2075/076. And in compare with fiscal Final
Account Signaturethe profit
year 2076/77,
of ADBL was increased by Rs.1, 911,464,229. Currently ADBL showing a remarkable
176.23% increase in net profit, amounting at Rs3.65 Arab.

Figure 3

Work Flow of ADB

22
Sources: ADB
3.11. SWOT Analysis of ADBL

SWOT Analysis is used to evaluate the Strengths, Weaknesses, Opportunities and Threats
involved in a project or in a business venture. It involves specifying the objective of the
business venture or project and identifying the internal and external factors that are favorable
and unfavorable to achieving that objective. SWOT analysis of ADBL reveals various
strengths, weakness it needs to work on and the opportunities and threats present in the
environment that it has to focus on.

Strength Analysis

i. Strong goodwill, brand name and company image at national level.

ii. Increasing public interest and confidence to transact in government ownership banks.
iii. Introduction of new technology such as ATM, Visa Card, Remit, ABBS, internet
banking.
iv. Experienced and competent employees.
v. Provides friendly environment to work.
vi. Suitable and central place.
vii. Wide geographic coverage with maximum branches all over the nation.
viii. Routine work schedule increasing efficiency.

Weakness Analysis
i. Lacks the adequate number of staffs that causes overload in the existing staffs
ii. Bank’s layout is not too catchy and seems messy during critical time
iii. Less promotional activities.
iv. Lack of adequate resources (i.e. technical resources to perform task easier and faster).

Opportunity Analysis
i. Improving socio-economic scenario of the local public.
ii. Rate of increasing consumer loan demands.

23
 iii. Improving banking technology and services.
iv. Favorable customer attitude.
v. Opportunity for the expansion through e-commerce development.
Threat Analysis
i. Discouraging nation’s political scenario/political instability.
ii. Intense competition due to increasing number of banks and financial institutions.
iii. Changes in the banking technology.
iv. Decrease of share price in the market.

CHAPTER IV
ANALYSIS OF ACTIVITIES DONE AND PROBLEM SOLVED

Bank is a financial institution where varieties of financial activities are carried on. Almost
everything regarding financial job is carried out in bank. ADBL is also not an exception. It
has got several departments where activities are carried out according to their nature and
function.

24
The internship was conducted in Customer Service Department, Credit department, Account
department. Placement in this department provided the exposure and understanding of the
various service and procedures of the bank and its relationship with the customer. All the
experience and knowledge gained during the period of internship is explained in this chapter.

4.1 Activities Performed in the Organization

During the period of internship, brief views of activities done in various departments are
presented below:
Customer Service Department
Customer service is the front desk of any organization. It is the place where customers make
the first contact with the bank. This department links all other department with each other.
Customer service believes in the proverb “First impression is the last impression”. The image
and the reputation of the bank depend upon effective functioning of its department. CSD of
ADBL performs various tasks in day to day operation. The basic tasks of CSD are account
opening, account closing, transfer, cheque issuing, bank statement issue, balance certificate
issue; provide information about bank product and services, and many more.
Activities done in Customer Service Department
The following activities are carried out in customer service department during the period of
internship:

Providing general information and support to customers

Customer service department is the place where different people come to get different
information about bank. As an intern its internee duty to provide information that is required
to customers. Generally, internee had to provide information about the products and services
of Agricultural Development Bank Ltd., deal with their queries, regulations and documents
required in various cases, the exact place to consult for their requirement, etc. Also, assisting
customer with different task i.e. form fill up, issuance of cheque and other activities as per
requirement.
Opening an Account
Account opening is the first phase that makes contact between banks and customer. The
customer has to fill up the account opening form in the written format and then detail is
recorded in the server. After the approval, the account of respective customer is opened and
the customer is provided with an account number and requested to deposit at least minimum

25
valance according to the account type. Later the date is entered into the linking software T-
24. During account opening customer is also asked whether they need other services offered
by bank like the ATM Card service, internet banking service, SMS banking, Mobile banking
etc. and if customers are interested, then are asked to fill up respective forms to get those
services.

Process of opening account:

I. Fill up the account opening form and collect necessary document
II. Create customer in the system and enter details into system (KYC detail)
III. Scan and update signature card
IV. For opening an account customer have to need following documents:

For individual:
I. Photocopy of Citizenship/ Driving license, passport
II. 3 passport size photos
III. Nominees detail and photocopy of ID
IV. One nominee’s photo

For small/cottage firm:

I. Photocopy of Citizenship/ Driving license, passport of owner
II. 3 passport size photos of owner
III. Registration certificate in company register office
IV. PAN Number, stamp, seal of organization

For company:
I. Photocopy of citizenship of all the board member
II. Photos
III. Registration Certificate, Memorandum of Association, Article of Association, PAN
IV. Board minute in on a/c operation
V. Stamp/seal of the organization

Account Closing

26
The entire request for the closure of accounts must be made in writing form and duly signed
by the account holder. All the unused cheque leaves, ATM card, locker key must be
submitted to the bank. Also customer should bring approval from other department of bank to
close the account i.e. there should not remain any due or transactions with bank.
Procedure of Account Closing
I. The customer willing to close the account must fill up the form specifying the reason.
II. All the unused cheque leaves, ATM card, locker key must be submitted to the bank.
III. Before closing an account, the bank’s staff verifies the signature, check all the
liabilities of customer in the bank
IV. Settlement of balance after deducting all required charges i.e. no due or payable
should remain
V. Close the account in the banking system
VI. Filing and record keeping of the account closed
VII. Returned cheque and ATM should be destroyed and blocked
Preparing Cheque book
Cheque book is issued for the new account and for existing account holder on the request by
submitting their cheque requisition.

Process of cheque book issue includes:

I. For new account, once the account is opened and after depositing minimum balance
required by bank, only 10 leaves of cheque is issued and provided to customer.
II. After first issuance, numbers of leaves are provided as per the customer demand.
III. For existing account, customer need to fill up the requisition slip provided along with
leaves of old cheque book.
IV. Once cheque book becomes ready, it is required to make entry in the cheque book
register by the CSD staff with details such as date, account number, account name,
and rreceiver’s name, receiver’s signature, initial of staff.
V. Cheque book needs to be rechecked at the time of handling over to the customer.
VI. The customer needs to sign in the cheque book register to take the cheque book with
them.
VII. The old requisition slip (presented for demand for cheque) should be filed for future
purpose.

27
Preparation for Opening Fixed Deposit
After the enquiry and request of customer for opening fixed deposit on their account internee
had to fill the form with the required information of the customer. After filling the form
approval from manager is required for the process. Also certificated of deposit is prepared.
After completion of due procedure by the staff of CSD, certificate of deposit is handed to
respective customer.
Printing Bank Statement
Bank statement is the list of transaction of the customers during the certain period of time.
Intern had to provide the bank statement to home who wants. Firstly, internee provides a
form to the customer. When the customer has to fill up the form then the internee must
cheque the account no. and customer signature and print bank statement from the date which
the customer required. At the time of printing the bank statement signature of the customer
must be match with the actual signature done when opening the bank account because the
statement is only provided to the account holder.

Signature Verification
Internee had to check and verified the signature in the different forms of the bank and also
had to check the signature of the cheque on the request of the customer. Internee was only
given the permission to view signature for actual account holder when they forget their
signature.
Handling and Making Phone Calls
The CSD has to perform handling most of outgoing and incoming calls. They are responsible
to answer question of the customers and provide account related information via telephone.

Photocopying the Documents

In CSD, photocopying the document is carried on usual basis. It is the responsibility of
internee to photocopy the documents required for different purpose.

Mentioning Customer Files:

Documents and files relating to customer are properly recorded for future purpose. Account
opening forms are filed properly with cheque list if required document is complete and follow
up the customer for missing documents. Customer files should be mentioned properly so that
it could be available whenever it is needed. Requisition slip is filed along with identification
of receiver after issuing cheque.

28
Credit Department
Credit department involves a department in a bank or lending institutions that is tasked with
managing the entire process. Lending money is one of the core functions of the bank, and
banks generate revenue by charging a higher interest rate on loans then the interest rate they
pay on customer deposits. The functions of selecting and vetting borrowers is the role of the
credit department of the bank and the department is required to ascertain the borrower's
competency to utilized the funds to generate an income, and their ability to pay back the
principal amount and interest. They must be updated with the latest regulatory laws to ensure
that the credit processes comply with the latest laws in the industry
Credit department is the department in the bank that evaluates the financial condition of
credit applicants and maintains a log of loan payments on currently outstanding loans. Credit
information is gathered on a confidential basis and store for future reference. The Credit
Department also responds to request by others lenders for credit information on particular
borrowers.
Activities done in Credit Department

The following activities are carried out in Credit department during the period of internship:
Dealing with Customers
Customers who are seeking loan from the bank need to deal with the staff of loan department.
The first step of taking loan is the enquiry about the existing policy, terms and conditions.
Internee explained about the different types and policy of loans to the customer. Also they
were explained about process and requirement of document for taking loan.
Maintenance and Arrangement of Loan File
Different file is created for different customer for different loan. Internee duty is to maintain
and arrange the loan file systematically and the loan files are arranged as per the number
coded on it.
Maintenance of record in MS-Excel
Record of the loan file are maintained in Microsoft excel for the easiness to deal for the staff.
As per the requirement of the department and assigned task, file is maintained. Also,
currently active loan’s file was maintained during the time of transfer of manager and loan
department’s staff for handover purpose.
Document Preparation for Loan Renewal

29
If the loan is renewed instead of being repaid in full on its due date, then fee should be paid to
extend the loan due date. A renewal form has to be filled by the customer to carry on this
procedure and internee help customer in the preparation of document.

Update of Insurance Policy in Customer’s File

Every loan taken by the customer is supported by the insurance to mitigate future
contingencies. It falls under non-life insurance and need to be updated annually. Insurance
policies are updated in customer’s file during the period of work at the department of loan.
Guarantee Mailing
Customers proceed for the guarantee in this department as per their requirement. After
completion of the process, when guarantee is ready then it is provided to customer either
physical or through email. In absence of customer guarantee is provided through electronic
mail generally, done by internee.
Account Department
Account Department refers to the division in a firm that looks after the preparation of
financial statements, maintenance of general ledger, payments of bill, preparation of
customer's bill, payroll and more. They are responsible for managing the overall economic
front of the business. One of the primary responsibilities is to properly collect all the financial
data and then prepare the financial statements or reports. An accounting department provides
accounting services and manages the finance of a company.
Activities done in Account Department
 To maintain and record all banking transaction accurately and comprehensively in a
systematic way such that it could be retrieved and reviewed at any time.
 To maintain adequate internal controls within the organization to safeguard its
valuable resources.
 To keep track of cost incurred by the company cost and advice the modification of
existing operation with the intent to reduce internal cost.
To support senior management in the decision making process through the
appropriate presentation of the financial data.

4.2 Problem Identified and Solved

The problems that were encountered during the period of internship are mentioned below:

30
 Miscommunication
Most of the problems arise due to miscommunication. Most of the customers face
problems because of the wrong information provided by other customers or by the
staffs of bank.
So, the major responsibility is to handle those customers and solve their problems by
providing the factual information and by providing the complete information as per
their need.
 Change of rules and regulations
The rules related to the operation of the banks, the interest rates and the charges are
revised from time to time to cope with the dynamic environment. But the customers
don’t easily accept the change.
Hence, I solved this problem by informing the customer about the change, its need
and relevance to the organization.

 Missing Information
This problem arises when the customers fill the forms improperly or incompletely. It
also arises when customers do not bring the proper documents.
This problem is solved only after the customer provides proper information and
submits required documents. Incomplete files are not taken into consideration for
further processing. Sometimes, customers are also inquired via telephone for the
missing information.
 Delay in collecting ATM cards and cheque books

The customers do not come in time to collect their ATM cards and cheque books. It
creates difficulty in managing and storing them.

Hence, to avoid over-storage, the concerned customers are telephoned and informed
about the arrival of their cards and cheque books. It also reduces the chances of
misplacement.

 Other problems in CSD

The CSD department is understaffed. Too much responsibility lies on the single
person who faces a lot of problems during high traffic hours at the bank.

31
 Hence, I worked as a helping hand on CSD by receiving phone, filling up the
vouchers, opening accounts by helping customers in filling form, answering the
queries of customers at the traffic hours.

CHAPTER V
CONCLUSIONS AND LESSON LEARNT

This chapter includes the conclusion of report and the lesson we have learn from the
internship.

5.1 Conclusion

The prime objective of internship is to obtain the professional experiences and implement the
knowledge that has been learnt so far. The main reason behind the selection of ADBL by the
internee was that the bank had a policy to provide opportunity for the internee to learn about
the working environment and get acquainted with the functioning of different departments.
Internship was an achievement for internee because it provided a lot of valuable information
about the banking operations. From the internship experience, internee can say that ADBL is
among the leading banks of Nepal which is successful in creating a very good relation with
the customers and the employees.
At the same time, the bank is equally committed to the economic growth and development of
the country. The bank aims to reach every nook and corner of Nepal in order to upgrade the
living standard of Nepalese People. ADBL was established in 1968 A.D in order to facilitate
agricultural financing with its slogan “TAPAI HAMRO GHAR AAGAN KO BANK”.
Although the time limitation was always there being a major obstacle, it was a nice
experience of learning in such a short period of time at ADBL. It was a big opportunity for
internee to explore the real world situation of the banking industry. It also contributed a lot in
building the internee’s confidence at work.

Without the guidance and supervision of the staffs of bank, the learning environment would
not been possible. The internee was familiar with the functioning of the bank in very short

32
period of time, only because of the help, coordination and motivation of the staffs of the
bank. This experience surely guides internee in career enhancement.

It was a great experience for an internee to have a practical knowledge of the banking
activities and operations performed in a real environment of ADBL, Newroad Branch in
particular. The entire journey of internship has broadened internee knowledge, vision, ability,
management skill and confidence to perform in real working environment. During the period
internship, internee got to know about the various products and services offered by bank, the
process involved in carrying out various operations of bank and also about the rules and
regulations of present banking system. Internee also learnt how to deal with customers with
diverse nature, deal with the senior staffs and socialize within the bank’s environment.
ADBL is excellent in term of their services. ADBL is one of the most promising banks today
and have an opportunity to increase their market share by improving their customer
satisfaction by overcoming their weakness and doing their best to retain quality services. It
was a great experience being an intern at Agricultural Development Bank. The period of
internship was memorable and knowledgeable with proper guidance from all the employees.
At last, internee would like to once again thank ADBL, all the staffs of ADBL for their
support, suggestions, and cooperation.

5.2 Lesson Learned

The internship period of three months had provided internee with numerous opportunities to
learn and grow. It provides an important insight on the importance of team work and
coordination. An important lesson to be taken from the internship period is that an internee
should be inquisitive, should take initiative to work, demonstrate keen interest and sincerity,
be vigilant while understanding the work procedures and tackling problems. The valuable
lessons that the internee learned apart from the basic activities of concerned department that
the intern worked are as follows:

 Enhancement of skills
Internee was able to develop the interpersonal, managerial, entrepreneurial and
communication skills such as socializing with new people, dealing with different
nature of customer and the coworker or a senior. Internee also built up a lot of
confidence and learnt about the importance of time, personality and dedication
towards work.

33
 Time management
Time management is an important skill that everyone should know. It was very
difficult to attend the class, submit of class assignment, going to internship at the
same time. In the bank also finishing the work assigned in allocated time does much
matter. Internship teaches importance of time in one’s life.

 Organizational Culture
Internee got a chance to explore the workflow, chain of command, hierarchy of
organization. The internee also analyzed that the changing behavior and attitudes of
the employees adversely affect organization’s work culture. Teamwork and
collaboration are essential part to perform any task.
 Problem Solving Capacity
The real working environment taught the internee how to become calm under the
adverse conditions and tactfully handle the complex situation. The major task was
dealing with the grievances of the customers. The internee also learnt to solve the
problem at their own without prior seeking help and guidance of senior.
 Career Development
Internship provides the valuable work experience that helps internee explore, decide,
clarify and achieve their career goals. It helps them choose potential career that fits
their interest.
 Communication Skill
Answering the queries of customers and facilitating them with bank services through
telephone or direct contact added to enhancement of intern communication skills.
During the period of internship internee got an opportunity to deal with the different
customer with different personality. Numerous customers were communicated with
intern for the different task. It helps to enhance communication skilled in intern.
 Government Procedure
Different working procedure of the government office is known during internship
programs. Processes of granting loan to customer which include legal and
governmental procedure are learnt.

34
 REFERENCES
Agriculture Development Bank Limited. (2022). Annual Report (Fiscal Year 2077-078).
Kathmandu: Agriculture Development Bank Limited.

Agriculture development Bank Limited. (2022, May 02). Retrieved from www.adbl.gov.np:
https://www.adbl.gov.np/about-us/overview/

Manandhar, K., & Pokhrel, S. (2009). Marketing Financial Services. Kathmandu: Asmita
Publication.

Ministry of Law, Justice and Parliamentar. (2002). Nepal Rastra Bank Act. Kathmandu:
Government of Nepal.

Ministry of Law, Justice and Parliamentar Affairs. (2017). Bank and Fianacial Institution
Act, 2073. Kathmandu: Government of Nepal.

Nepal Rastra Bank. (2022, May 5). Retrieved from www.nrb.org.np:

https://www.nrb.org.np/contents/uploads/2021/05/List-of-BFIs-Chaitra-2078-_-
English.pdf

Thapa, K. (2017). Banking Law and Regulation. Kathmandu: Khanal Publication Pvt.Ltd.

Thapa, K. (2017). Commercial Banking Operation. Kathmandu: Khanal Publiction Pvt. Ltd.
 Annexure: I
Board of Directors of ADBL
Position Name
Chairman Mr. Ram Sharan Pudasaini
Member Mr. Suman Dahal
Member Mr. Rajendra Prasad Mishra
Member Mr.Govinda Prasad Bhattarai
Member Mr. Sanjiv Paudel
Member M r.Binod Kumar Guragain
Member Mrs.Rita Subedi
Member Mr. Himalal Paudel

Annexure: II
Organizational Structure of ADBL, Campusroad Branch

BRANCH MANAGER (YAJNA RAJ

SAPKOTA)

HEAD TELLER (SURESH PRASAD

PANT)

CSD (CUSTOMER TELLER AND ECC ACCOUNT CREDIT DEPARTMENT

SERVICE DEPARTMENT) DEPARTMENT

SUKHDEV JOSHI HARISH BHATTA SARASWATI Sunita Awasti, Manoj

AWASTHI Chaudhary, Birendra
RAMESHORI TARA PANT
Prasad Bist, Chakra
BOHARA ANUPAMA SHAH Kunjeda, Puran B.K.
CHITRA JOSHI (ECC)