CHAPTER –I

Organization Profile
1.1 Description of the Organization
The development of any country largely depends upon the economic health and
conditions of the country. Nowadays the financial institutions are viewed as catalyst
of the economic growth process. The mobilization of the domestic resource is one of
the key factors in the economic development of the country. Commercial banks and
other financial institutions collect immobilized money in the form of deposits from
every corner and parts of the country. This will provide capital for the development of
the industry, trade and business and other resources deficit sectors. Commercial bank
formulates sound investment policies to make it more effective, which eventually
contribute to the economic development of the country. Formulation of sound
investment policies and coordinated and planned effort pushes forward the forces of
economic growth.
Bank can be defined as financial intermediary between depositors and entrepreneurs
that offer the widest range of financial services especially credit saving and payments
services and perform the widest range of financial function of any business firm in the
economy. According to Kent, “A bank is an organization whose principal operations
concerned with the accumulation of the purpose of the temporarily ideal money of
public for the purpose of advancing to other expenditure by these divinations”.
Commercial banks are the heart of our economy system. They hold the deposit of
millions of persons, government and business units. They make funds available
through their lending and investing activities to borrowers, individuals, business firms
and government. Thus, their task is to provide a collecting point for saving of
relatively small average amount from a large number of individual sources and invest
them into a productive and needed sector of the country so as to develop the nation.
Banks are still the principal means of making payments, through the checking
accounts, credit cards and electronic transfer services they offer.

Agricultural Development Bank Limited is one of the development banks in Nepal.

It established in 1968 under the ADBN Act 1967, as successor to the cooperative
Bank. ADBL has been incorporated as a public limited company on July 14, 2005.
Thus, ADBL operates as a “A” category financial institution under the legal
framework of BAFIA and the Company Act, 2053. It is a ‘A’ class development bank
license by Nepal Rastra bank. The bank was established with authorized capital of
NRs.18,00,00,00,000.00 and paid up capital NRs.13,93,79,28,000.00. ADBL is
functioning with the principle of “Thinking Forward Moving Forward”. ADBL is
work under several department like deposit management, credit and credit
management, branch expansion, corporate governance, audit committee e-banking
etc.
1.2 Organization Mission and Objectives
1.2.1 Mission Statement
Mission is an important goal or purpose that is accompanied by strong conviction a
calling or vocation. The mission of the ADBL is given below
 To deliver comprehensive banking solution strengthening its extensive
network
1.2.2 Objectives of the Organization
Objective of ADBL are given below
 To provide quality and banking service
 To adopt market driven strategy
 To obtain sustained and competitive return on investment
 To be dedicated to customer service
1.3 Major Markets and Customers
1.3.1 Major Markets
Agricultural Development Bank Limited has all together 232 branches all around
Nepal. It includes networking inside and outside the valley which does operational
activities. The bank has 32 branches inside Kathmandu and remaining 200 outside the
valley. Head office of the Agricultural Development Bank Nepal Ramshahapath,
Kathmandu. There are more than 40 ATMs inside and outside the Kathmandu valley.
The name of all branches of ADBL are listed in (Appendix-I)
1.3.2 Major Customers
Agricultural Development Bank Limited always stands for giving customer service.
They have collected as many customers as possible to provide service. They classify
their customer into two groups they are
 Individual Customers
 Institutional/Corporate Customers
Individual Customers
When an account is opened in individual name, it is called as individual account. The
person or account holder who handles that account is the individual customer for the
bank. New Baneshwor branch of Agricultural Development Bank Limited includes
various types of individual customers and some of them are as follows.
 Students
 General Public
 Senior citizens
 Salaried persons
 Others individuals
Requirements of Individual Customer are
 Completed Account Opening Form(AOF)
 Copy of identification document
 Copy of document confirming verification of Residential Address
 Birth Certificate(in case of minor accounts)along with identification of the
adult operating account
 Foreign currency earning source document for Nepalese/Indian nationals in
case of opening of FYC Account
 Recent Photographs
Institutional/Corporate Customers
Institutional customer is a term used in the financial services industry to differentiate
retail customers and corporate customers from other financial institutions such as
banks. There are various institutional/corporate customers in Agricultural
Development Bank Limited too and some of them are
Institutional/Corporate Customers Address
Anjil Enterprises New Road,Ktm
Laxmi Hardware Sinamangal
Mithoco Café New Baneshowr,ktm
Kandel Journal Store Sinamangal,Kathmandu
MayaDevi Corporate Pvt.Ltd Kathmandu
Shiva Khimti Traders and Suppliers Chabahil,Kathmandu
Name Education and Consultancy. Putalisadak,Kathmandu
RitikaBakhra Farm Jorpati,Kathmandu
Nepal Investment Center Pvt. Ltd Sukedhara,Kathmandu
Hotel New Bashukiand Restaurant New Buspark,Ktm
Diyalo Chicken Station New Baneshwor,Ktm
Sita Ram Enterprise Chabahil ,Kathmandu
 A oneCafé Kalopul
Manakamana Auto Care Center Jorpati,Kathmandu
Nilam Jewellers Chabahil,Kathmandu
Mankamana Plastic Industries Tripureshower,Kathmandu
Tamrakar House New Road,Kathmandu
Source:www.adbl.gov.np

Requirement of Institutional/Corporate Customers

 Completed Account Opening From (AOF)
 Copy of Registration Certificate or Certification of Incorporation
 Copy of Tax Registration Certificate or Pan as application
 Copy of Memorandum and Article of Association
 Copy of Board Resolution and Power of Attorney as applicable
 Copy of Document verifying Registered and Trading /Operating address
 Copies if ID Documents of at least 2 of the main Directors (Including the
Managing Director ) and all signatories with a significant level of authority in
the line with the requirement for personal customers
 Copy of Document verifying Residential Address of at least 2 of the main
Directors (including the Managing Director) and all signatories with a
significant level of authority in the line with the requirement for personal
customers
1.4 Products and Services
Agricultural Development Bank Limited was started with a vision to become the
most trusted bank by providing dedicated services and products support to its
customers. Based on a set of superior values and moral principles of maintaining
highest standards in all relationships with customers, suppliers, environment and
community, fostering climate which encourages innovation and diligence amongst
staff and reward accordingly and functioning with the principle of ‘Thinking Forward
Moving Forward’, the bank aims to succeed and reach higher grounds by maintaining
and adhering to its corporate values. To maintain its aim it provides various product
and services.
1.4.1 Products
Agricultural Development Bank Limited and all other commercial banks generate
its revenue mainly from its credit creation ability and finance its credit from deposits.
ADBL provides various products which make customers easy to work with a bank
and some of the products are
Deposits
ADBL offers a wide range of deposit product that creates the requirements. They are
 Saving Deposit
A savings account is a deposit account in a bank or credit union that pays interest on y
our balance though someinstitutions require that you have at least a minimum amount 
in the account to qualify for earnings. Customer normally open saving account to save
their money they have earned.
Table 1.1
Type of Saving Deposit
Deposit Type Revised Rate Minimum Balance
Sambridhi Bachat Khata 4.25% 25000
Chetansil NariBachat Khata 4% 1000
Krishak Bachat Khata 4% 500
Ba-Ama Bachat Khata 5% 50000
Shareholder Saving Account 4% 500
Karmachari Nirbitrivan khata 5% 0
Source:www.adbl.gov.np

Fixed Deposit
Fixed deposits are investment instruments offered by banks and non-banking financial
companies, where you can deposit money for a higher rate of interest than savings
accounts. Once the money is invested with a reliable financier, it starts earning an
interest based on the duration of the deposit. Civil Bank offer the following fixed
deposit account
 Individual Fixed Deposit Account
 Institutional Fixed Deposit Account

Table 1.2
Types of Fixed Deposit Account
Fixed Deposit Years Interest Rate
Non- Up to 1year 10.00%
Above 1 year 7.5%
Institutional
Institutional Up to 1 year 10%
Above 1 year 7.5%
Source:www.adbl.gov.np
  Current Account
Current Account is ideal for carrying out day to day business transaction. It is a
transactional noninterest hearing account where in a deposit is placed with the bank
for unspecified period, which can be withdrawn whenever required through different
means.
There are different current account and they are
 Individual Current Account
 Institutional Current Account
 Foreign Currency Deposit
Foreign Currency Deposit is investment instrument in which a specific sum of money
which is poised to earn interest is deposited into a bank. Although deposits have
virtually no risk, foreign currency fixed deposits introduce an element of risk because
investors must exchange their currency into the target currency and then convert it
back again once the term is over. Some of the accounts of foreign currency deposit are

Table 1.3 Types of Foreign Currency Deposit

Foreign USD Saving Account 2.50%
Currency Structured USD Savings Account 3.00%
EUR Savings Account 2.00%
Deposit(FCY)
GBP Savings Account 2.00%
Source:www.adbl.gov.np

Loan Product
Loan is the lending of money from one individual, organization or entity to another
individual, organization or entity. Agricultural Development Bank Limited
provides
 Retail Loans
A retail loan is similar to a mortgage loan acquired to buy a real estate property.
Banks and private investors can supply funding for retail location, such as a stand-
alone retail store or a strip mall.
Types of Retail Loan
 Home Loan: This loan is provided to those customers who are in need
of a house. Minimum tenure of home loan is 5years and maximum
tenures 25 year. Interest rate of home loan is up to 5% on risk premium
% per annum on base rate.
 Auto Loan: This loan features to the customers who are in need of a
vehicle. Maximum tenure of auto loan up to 7 years for fresh vehicle
and maximum tenure up to 4 years on used vehicle (However, the age
of used vehicle should not exceed 10 years at loan maturity). Interest
rate of auto loan is up to 6% on risk premium %per annum on base
rate.
 Personal Loan: Personal loan is given to customer to fulfill financial
requirement of individual Maximum tenure of personal loan is up to 5
years. Interest rate of personal loan is up to 5% on risk premium %per
annum on base rate.
 Education Loan: Education loan is for those who want to pursue
higher education. ADBL provides education loan at an attractive
interest rate.
Maximum tenure period of education loan is 10 years (including grace
period of up to maximum three years). Interest rate of educational loan
is up to 5% on risk premium % per annum on base rate.
 Personal Mortgage Loan: This loan is provided to customers to
Equity financing (Loan against Real Estate collateral), to purchase of
land to refinance/SWAP/Takeover of Equity Loans and personal
financing requirement. Maximum Tenure of personal mortgage loan up
to 20 years. Interest rate of personal mortgage loan is up to NPR 5
million is up to 4.2%on risk premium %per annum on base rate and
loan above 5milliom up to 5% on risk premium %per annum on base
rate.
 Loan Against FD Loan: This loan is use to LAFD of the Bank up to
90% of value of FD and LAFD of any other financial institution up to
80% of FD. Minimum/maximum tenure of loan against FD loan is up
to maturity of FD. Interest rate of loan against FD loan is 20% plus on
risk premium % per annum on base rate.
 Loan Against Share Loan: Loan against share loan is to finance fund
requirement to the customers against pledge of shares of listed
companies as per Bank’s list Minimum/maximum tenure of loan
against share loan are overdraft Facility for one year and demand Loan
 Facility for one year. Interest rate of loan against share loan is up to
5%on risk premium % per annum on base rate
SME Loan
Loans for Small Medium Enterprises (SME) are business loans extended only to
medium-sized enterprises. These loans are tailor-made to suit the needs and
requirements of SMEs. Interest rate of SME loan is up to 5%on risk premium % per
annum on base rate
1.4.2 Services
1.4.3 Agricultural Development Bank Limited services are reliable and secured
being a commercial bank which has less risks of bankrupt and fraud. It has
services for students and staffs. Some services of Agricultural Development
are
 Card and E-banking
Agricultural Development Bank is providing card and e-banking services seen bank
is establish in order to give better customer services to them .Under card and e-
banking there comes
 Master Debit Card
 How to use master debit card?
 Collect ATM card and pin number from related bank
 Apply it to related bank ATM booth
 Swipe ATM card to ATM machine and inter pin number
 Enter money you needed and receive it
 Mobile Banking (ADBL Smart Banking)
 How to use mobile banking?
 Install Civil mobile banking app in related mobile
 Enter mobile number and receive mobile banking pin
 Enter mobile banking pin and starting using mobile banking
 ADBL Internet Banking
 How to use internet banking?
 Collect internet banking pin from bank
 Open agricultural Bank site in PC or mobile
 Login to Personal/Corporate internet banking and enter user name and
password
  Starting using internet banking
Charge for opening card, e-banking, mobile banking and civil internet banking is free
of cost in ADBL for the first time and to renew it, it cost Rs 200 charge.
 Locker Service
Agricultural Development Bank Limited offers locker facilities with the size of
their customer’s preference. Customers are availingly enjoying this facility with peace
of mind in terms of security for their valuable belongings and also with one of the
most attractive rates dependent on location. Charge for opening locker account is Rs
5000 in ADBL.

 Remittance Service
Agricultural Development Bank has been offering local as well as international
remittance service through its own remit product named Agricultural Development
Bank Remit. Agricultural Development Bank Remit product is developed by the
Bank with state of art remittance software that is well equipped with Geo trust
Authentication service to ensure system security. Civil Bank Remit offers easy and
affordable remittance platform and has wide agent network across Nepal.

 ADBL Online Fee Payment Service

The most convenient way of payment for these exams and annual registration fees is
by paying the fees online through the use of a debit/credit/prepaid card. As the
amount for
such payments is relatively nominal, in order to economies the cost for payment and
to provide efficient/prompt payment service to the customers, Bank shall pay such
fees through an official ADBL Bank International card on behalf of interested
students. This service holders be available for Nepalese citizens only, this services
shall be available to both account holders as well as non-account holders of the bank.
Charge for opening civil online fee payment service is free of cost for first time and to
renew it, it cost Rs 200 charge.
 Bank Assurance Service
Bank assurance is a relationship between a bank and an insurance company, aimed at
offering insurance products or insurance benefits to the bank's customers. In this
partnership, bank staff and tellers become the point of sale and points of contact for
the customer. There are two type of bank assurance they are
  Life Insurance
Life Insurance provides protection to your family. Your family gets a specified sum in
a lump sum when they need it the most i.e., when you are not around. While the
emotional loss cannot be mitigated, the lump sum received from an insurance
company can help take care of your family's financial future.
 Non-Life Insurance
Non-life Insurance comprises of all lines of insurance except Life Insurance. The
primary goal of a person or an institution getting insurance coverage is to assure
themselves that they will not shoulder the loss alone. They may gamble, take chances
that they may be able to steer their property away from a loss and its devastating
effect. But putting a minimum amount, and considering that such amount is the only
sum they are bound to lose in case a loss actually occurs, is the logic behind getting
protection for their property.
1.5 Organization Design and Structure
1.4.2 Organization Design
Organization Design is a step by step methodology which identifies the functional
aspects of workflow, structures, and systems, realigns them to fit current business
realities/ goals and develops plans to implement the new changes. It formulates
policies as well as strategies and provides guidance to the management.

Table 1.4 List of BOD of ADBL

Name(connection) Type of Board Member
Mr.Chettra Bahadur Sejuwal Chairman
Mr.Bishnu Parsad Nepal Member
Mr.Yogendar Kumar Karki Member
Mr.Manoj Basnet Member
Mr.Govinda Prasad Bhattarai Member
Mrs. Indira Shrestha Member
Source:www.adbl.gov.np

Table 1.5 Senior Executive of ADBL Bank Ltd

Name Position
Mr. Anil Kumar Upadhyay Chief Executive Officer
Mr. Purna Prasad Acharya  Act. Deputy General Manager
Mr. Pratap Subedi  Act. Deputy General Manager
Mr. Arun Kumar Dhungana Act. Deputy General Manager
Mr. Chuda Mani Timsina  Act. Deputy General Manager
Source: www.adbl.gov.np
 1.4.3 Organization Structure
Organization Structure is a system used to define a hierarchy within an organization.
It identifies each job, its function and where it reports to within the organizations.
This structure is developed to establish how an organization operates and assist an
organization in obtaining its goals to allow for future growth. It designs process,
organization act to improve the probability that the collective efforts of members will
be successful. It is used to match the form of the organization as closely as possible to
the purposes the organization seeks to achieve. The board of directors is responsible
for policy making and guidance to the management. The executive power is vested in
the CEO. The branch operation department is responsible for supervising the 75
branching network. The internal audit department monitors the work of the branches
and regional offices. The organization structure of the Civil Bank Ltd can be
illustrated as by the following figures:
Figure 1: Organizational Structure of ADBL

Board of Directors

Chief Executive Officer

Chief Business Chief Operating

Officer Chief Credit Officer Officer

Marketing Credit Credit Control Recovery Audit

Human
Resource

Kathmandu Kathmandu Kathmandu Pokhara Nepaljung

Cluster East Cluster South Cluster West Cluster Cluster Internal Audit
Department
Biratnagar Burgunj Bhairahawa
Cluster Cluster Cluster

Branch
Manager

Department
Head
Source:www.adbl.gov.np
1.6 Financial Structure
Financial structure refers to the specific mixture of long-term debt and equity that a
company uses to finance its operations. The fund provided by the government is
managed by the bank to operate and distribution of fund by the bank to operate
smoothly for one period is shown in the following table:

Table: 1.6 Financial Structure of ADBL

Particular Amount (in NRs)
Authorized capital NRs.18,00,00,00,000.00
Issued capital NRs.14,93,79,28,000.00
Paid-up capital NRs.13,93,79,28,000.00
Source www.adbl.gov.np
From the above, we can say that authorized capital is Rs.10 billion; issued Capital is
of Rs. 8 billion and paid up capital is Rs.7 billion. Also there are frequent interns who
are almost always in a year to help and learn.
1.7 Organization Performance
1.7.1 Financial Performance
The recent fiscal year was yet another challenging year for Agricultural
Development Bank and the banking industry as a whole. However, this bank shows
that in spite of these challenges; the bank was able to post satisfactory results. The
comparative financial indicators of the bank are presented below:

Table: 1.7 Financial Performance of ADBL

Particulars 2069/70 2070/71 2071/72 2072/73 2073/74
Paid Up Capital 9,636,800 9,860,800 9,860,80 1037440 12520392
Common Stock 3,200,000 3,424,000 3,424,00 3937600 7087680
Preference 6,436,800 6,436,800 6,436,80 6436800 5432712
Reserves & 4,586,113 5,215,448. 4,974,14 8,385,31 7858773
Debenture & 2,300,000 2,300,000 1,840,00 1,380,00 920000
Loans& 988738.1 685,318.01 678,975 563,203 667933
Deposit 54477,65 65,898,412 76,921,3 87,263,4 99816272
Investments 9,194,611 13344,007. 13,521,1 13,978,5 15898842
Loans & 49,685,82 57,186,253 66,601,1 79,751,8 88206549
Source www.adbl.gov.np
1. Reserve and Surplus of Agriculture Development Bank has a core capital
of Rs.12.52 billion. This includes Rs.7.08 billion Common Stock and Rs.5.43
billion Preference Shares. The bank’s reserves stands at 7.85 billion. The
bank’s deposit collection has been increasing throughout our review period. It
has more than doubled in just the past 8years and reached Rs.99.816 billion.
 The paid up capital is increased by 20.68% in year 2073/74 in respect to FY
2072/73.
2. Collection and Mobilization of Funds The bank’s mobilization of its funds
has also been increasing throughout our review period. The bank’s
investments in the past 8 years have grown by almost 3 folds from Rs.4.54
billion in FY 2066/67, Rs.13.52 billion in FY 2071/72 to Rs.13.98 billion in
FY 2072/2073.In FY 2073/74 the bank investment is Rs. 15.89 billion. The
bank’s loans and advances have also doubled during the same period.  Loans
and Advances grew from Rs.33.88 billion in FY 2066/67, Rs.66.60 billion in
FY 2071/72 to Rs.79.751billion in FY 2072/73. The loan and advances in FY
2073/74 is 88.20 billion.
3. For Investors
ADBL with a paid-up capital of Rs.12.52 billion has already shown that it can manage
a large amount of capital. The bank has infrastructure already in place to mobilize
large funds which means the bank has advantage over other banks which have to set
up new infrastructure to be able to mobilize the funds they will have once their capital
reaches Rs.8 billion.
4. Loans and Advances
The loans are the main source of income for the bank. The ADBL has the total loans of
66.601 billion in the financial year 2017/72 and the total loans of 79.751 billion in the
financial year 2072/2073shows increasing order which results positive performing efficiency
of the bank. Similarly, in the FY 2073/74 the loan and advance increases up to 88.20 billion.
The loan of the bank has been continuously increasing significantly. Similarly, with the
increase in the loan the bank has been able to maintain the low non-performing loans. The
loan is high in the agricultural production sector and small scale cottage industry
Table: 1.8 Amt ‘000’
Particulars 2069/70 2070/71 2071/72 2072/207 2073/74
Interest Income 7533344.54 8461935.7 8473369 9620203 11324507
3
Commission & 132587.99 175424.40
9 264459 232312 336023
Other Operating 512943.66 543526.63 592199 666985 611134
Exchange Fluctuation - 131202.58 264620 262639 137725
Total
Income Operating 8178876.18 9303092.4 6338634 7423268 8184519
Interest Expenses 2814540.16 3839726.4 3256013 3358872 4224871
Staff Expenses 2335702.62 3320316.4
5 2960282 3031500 3312598
Other Operating 616013.78 709914.35 733377 747828 842896
Loan Loss Provision
eexpExpenses 1276625.20 877643.32 9300545 1456107 1771791
Operating Profit 1128312.51 555491.87 1714921 2187831 2257234
Write back Provision 1557948.40 901483.92 602387 1135604 1012317
 Net profit/(Loss) 2289319.96 1520806.2 1876193 2464683 2565220
Net Interest Income 4718804.37 4622209.3 5217356 6261331 7099636
Source www.adbl.gov.np
4
Interest income which is the bank’s primary income has increased quite rapidly from
FY 2069/70 to FY 2073/74. It increased from Rs.7.53billion in FY 2069/70 to
Rs.11.32 billion in FY 2073/74 which is an overall increase of about 50%.
However, the bank managed to increase its interest income by 17.71% in FY 2073/74
which is the great achievement in comparison to FY 2072/2073which was just 9.9%.
During the same period FY 2073/2074the interest expenses increases by 25% which
caused the net interest income to increase by 13%.The bank’s net interest income has
been increasing since FY 2069/70 and only decreased once in FY 2070/71 by 2.05%.
The net interest income of the bank in FY 2073/74 is 7.1 billion.
1. Operating Income
The bank’s operating profit which was negative by Rs.1.22 billion in FY 2066/67 has
now become positive by Rs.2.68 billion. The bank’s operating profit becoming
positive is extremely good news for the bank and its investors. This means the bank
has finally become profitable in its core business. The bank’s operating profit
increased by more than 17.11% in FY 2072/73.Likewise in FY 2073/74 the operating
income increased by 10.25%.

1000... 9303092
900 8178876 8184519
800 7423268
700 6338634
600
500
400
300
200
100
0
206 207 207 207 207

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

2335702.62

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

Table: 1.9 Performance indicators for ADBL for consecutive year

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

70 71.54

60
55.64 53.67
50
44
40 41.53

30

20

10

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

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

Figure 5: Shows Non performing loan to total loan

7

6 5.85
5.46 5.35
5
4.6
4.36
4

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

The bank’s Non-Performing Loan to Total Loan increased by more than 5.50% from
4.36% in FY 2072/73 to 4.60% FY 2073/74. Although this is a not good it is still
high. The bank’s net worth in FY 2072/73 stands at Rs.12691212000, in FY
2073/2074 stands at Rs. 16363989000 which is in increasing trend.
Market value is the price an asset would fetch in the marketplace. Market value is also
commonly used to refer to the market capitalization of a publicly-traded company,
and is obtained by multiplying the number of its outstanding shares by the
current share price. The Market Price Per Share (MPS) of ADBL is quite fluctuating,
in FY 2069/70 it was Rs.212 in FY2070/71 in increased to 753 while in 2073/74 it is
Rs.435.The trend is shown in the following diagram.
 Figure 6: Market Price per Share
900
800
753 768
700
600
MPS
500
432 435
400
300
200 212
100
0
2069/70 2070/71 2071/72 2072/73 2073/74

Source :www.adbl.gov.np
1.7.2 HR Performance
HR performance of Agricultural development bank is satisfactory. They performed
their work honestly and sincerely. There are frequent interns in the organization
throughout the year and every branch has allocated adequate no of employees. The
bank provides several development trainings to its employees to improve their skills
and performance. There is good chain of command and coordination among
employees. They are devoted to customers for providing the required facilities like
foreign currency issuance like dollars, cheque clearing.
 Favoritism and Nepotism should be completely removed at work
 Hire applicants having digital skills
 Bring the IT and other departments closer
 Re-design career paths
 Encourage innovation in training
1.7.3 Resource Utilization
Resource utilization is the efficient and effective use of an organization's resources
when they are required. An enterprises resource can include such things as financial
resources, human resources and physical resource.
 HR Resource Utilization
 HR resource utilization means the fully utilization of human resources in the
Bank. ADBL has fully utilized its HR resources. The Bank is neither under
employed nor over employed. The HR resource is fully managed and utilized
 properly. In total there are 18 staffs and all of them are fully devoted towards
their works.

 Financial Resource Utilization

Financial resource utilization is the utilization of money available for spending in the
form of cash, liquid securities and credit lines. ADBL has also invested in different
hydro sectors but because of political instability it is not completely possible. So
banking sector cannot grab the resources available in our surroundings. ADBL has to
invest their finance in different sectors (such as; health and education sector,
developmental sectors and so on) in a manner that minimizes banks cost arising from
wastage and lost opportunities due to delays in operations and idle or non-productive
resources.
 Physical Resource Utilization
Physical resource utilization refers to the utilization of equipment and tools,
inventories, storage, production and distribution facilities provided by bank. ADBL
has sufficient number of branch offices, buildings, automobiles, office equipment and
so on. The bank has enough physical infrastructures needed to run an operation.
There’s neither unnecessary equipment available nor less than needed. The physical
resource of the bank is properly managed and utilized. There are overall 7 computers
and 6 telephone lines available in ADBL New Baneshwor branch only.
Thus, the finance resources, Physical resource and HR resource are utilized by the
bank where it’s needed.
1.7.4 Social Responsibility
Agricultural Development Bank Limited has conducted a various activities for the
welfare of the community. Some of the social Responsibility conducted by ADBL are
 Corporate Social Responsibility – Computer Handover (march-27th-2016)
 Working with Bagmati Safai Abhiyan(July-11th2017)
 Helping 3 orphan children for their study ( Novenber-18th -2017)
 Distributed benches and desk to Mahalaxmi Basic School in the occasion of
the bank's Damak branch opening.(May-28th-2018
 Provided Rs. 3 lakhs as financial assistance to Child Development
Society(August-16th-2017)
CHAPTER-2
Job Profile and Activities Performed
During two months of my internship period in Agriculture DevelopmentBank
Limited, I was placed in various departments where I performed lots of activities,
solved various problems and learnt lot of new things.
2.1 Job Profile
Job profile is a document that describes the general tasks or other related duties and
responsibilities of a position. Specifically, a job profile developed by the personnel
department of a business might include such things as job responsibilities, required
qualifications, advancement prospects, and the initial hourly pay or salary associated
with the position.
As an intern I got to know many operations of Agriculture Development Bank Ltd but
in ledger and cash departments many things were still left untouched. I was not
allowed to know everything in the bank as there were confidential information and
that could be leaked so there was a restriction for interns which didn’t allow me to
learn to my capacity. But still I have learnt many things in Agriculture Development
Bank Limited.
Customer Service Department (CSD)
CSD is the front desk of an organization, where the customers first get the service.
When any customer visits the institution then the first impression of the institution is
given by the customer service department. As the name suggests, this department is
primarily involved in providing services to the customers from answering the queries
of the customer to delivering the service of account opening and other auxiliary
services. The customer service department plays an important role in the survival and
continued functioning of any bank. The service provided by CSD gives an overall
impression about the bank so it is one of the major departments in bank. Major
functions of the department that affect an entire bank include public relations, positive
company culture, and customer retention. Its main objectives are to serve the
customer and provide the maximum satisfaction by their full support band effort. The
problems faced by the customers are also taken care in this department. This
department provides various services to the customers like balance enquiry, issuing
statement, account opening, know your customer (KYC), opening dormant form,
closing account etc.
Cash Department
Cash department refers to management of a broad area of finance involving the
managing, collection, handling, and usage of cash that import and export in bank. It is
the most important department of the bank where there should be direct interaction
with customers. Cash department should be placed in a branch from where manager
can watch everything from his table either clients or the vault. Usually cash
department receives and pays cash directly which work as a media to communicate
with the clients. Some register books uses in the cash department are receiving
cashier’s book, payment cashier’s book, cash balance book, vault register or safe–in
and safe-out register, key register, remittance registers.
Loan Department
Loan department is concerned with measuring the extent of credit availability. The
function of this department is to examine the eligibility of the concerned party to
determine whether to provide the loan or not. The process involved in it are pre-
sanction (it include reporting, follow up, performance evaluation of industry, branch
monitoring in item of credit, consortium finance). When one bank cannot provide the
loan as required by the borrower it make joint agreement with other bank to meet the
amount required called as consortium finance. ADBL has developed new credit
product like housing loan, education loan, auto loan, term loan, mortgage personal
loan, personal loan, loan against fixed deposit, loan against share etc. It prepares a
legal document format to lend a loan recovery by the process of follow up. It prepares
any kind of documents as required by the credit departments from time to time.
Electronic Cheque Clearing (ECC)
ECC department in Nepal is operated by Nepal Clearing House Ltd. The presenting
bank sends an electronic image of the cheque along with the relevant information like
the MICR code line data, date of presentation, presenting bank, etc., to the clearing
house. The clearing house forwards the images along with data files to the drawee/
paying bank. The paying bank branch takes the ‘Pay’ or ‘No-Pay’ decision based on
the image of the cheque
Administrative Department
Administration Department provides administrative, records management, corporate
services and facilities management to support the work of the Board of Directors,
management and staff of the Bank. The Administration Department provides the tools
necessary for a productive working environment, facilitating the functions of each
department and the duties of each individual.
In ADBL, New Baneshwor the Administration Department has performed this core
function.
 Maintains the Bank’s records management system
 Disseminates information produced by the Bank
 Issuing cheque
 Maintains the Bank’s facilities, plant and equipment
 Pension Renew
 Electronic cheque clearing (ECC)
 Issue Pension
 Opening DMAT account
 Opening mobile banking, Internet banking
 Make ATM (Automatic Tailored Machine)
Human Resource Department
Human resources department is responsible for managing human resources to
perform the organizational work effectively and efficiently according to their
ability and capacity. In ADBL, New Baneshwor the Human Resource Department
has performed the following function.
• Allocate the employees in different department on the basis of their skill,
ability and capacity.
• Hiring the employees.
2.2 Activities Performed
During internship period of two months in ADBL, New Baneshwor Branch, it helped
me to gain the knowledge on how the employees work under hierarchy and about the
organization’s design and structure also about the flow of chain of command in a real
organization. Some of the departments where I worked as intern in ADBL are
discussed below.
2.2.1 Customer Service Department
The main purpose of this department is to provide various services to the customers
who visit the bank. It is the important department of an organization. It basically
details with the issue of cheque book, the opening and closing of various types of
account as per the customer requirement, the maintenance of bank statement, provides
various cards such as ATM, Credit card, SMS banking, Debit card, etc. Main task I
performed during my internship in CSD are.
 Account Opening
At ADBL, New Baneshwor, I got to learn about account opening, where I was given
task to help customer for filling the form of both individual and corporate customer
and check if the required documents are complete or not. After checking the
documents and the form if it is filled up properly or not, I had perform a software
scanning called AML check and only then an account for individual and corporate are
opened only if the AML screening is clear. But if the screening showed up some
unusual things, I would forward to compliance and wait for reply then only start a
process for opening account in software of bank.
 Know Your Customer (KYC)
Those customers who didn’t have enough information according to the changing rules
of Nepal Rastra Bank, they need to fill up KYC form. During my internship I updated
the KYC of the customer through Pumori system.
 Balance Inquiry
As CSD is front desk of the bank, customer directly comes to interacting in this
department. I got to learn about the process of balance checking because the first
thing that any customer would want to know was the balance they have on their
account. I was taught to tell the balance only if the account holder is asking which can
be identified through their signature card and other were allow to know the balance.
 Providing Bank Statement
A bank statement shows the entire banking transaction of the account. I was trained
how to print bank statement for individual customers, and corporate customer. For
individual customer they need to fill up the bank statement request form with their
account number, name, date from when they want the statement and most
importantly, their authorized signature. But for the corporate customers, if they sent a
third party to receive a bank statement they need to write an application with their
account number, authorized stamp, proprietor’s authorized signature and receiver’s
name, mobile number and identity card. After verifying the authorized signature only
then I was allowed to provide bank statement.

 Printing and Providing Cheque

A Cheque is the most needed thing for account holder. I was trained how to print
cheque. If the customer is issuing a cheque, requisition slip should be fill up including
their account number, account name and authorized signature. The customer who
issue a cheque for a first time can get only 10 leafs of cheque and for second and more
than that customer can get more than 10 leafs. If third party receives the cheque bank
need to record receiver’s name, mobile number and identity card before providing
thecheque to them.
 Mobile Banking and Internet Banking Activation and Deactivation
Mobile banking and internet banking are software that allows customer to enquire the
balance, fund transfer, getting statement and so on. ADBL, New Baneshwor Branch
has taught me about the process of activation and deactivation the customer mobile
banking and internet banking as per their request. The customer needs to fill up the
mobile banking form with their name, mobile number and their authorized signature.
The customer need to fill up internet banking form with another additional terms and
condition, including account holder name ,e-mail address and authorized signature
And the mobile banking system and internet banking system are activated through
intranet software only after the verification of the provided signature.
 Pension related activities
Some of the major activities carried out by me during my intern period are pension
related activities since the bank is Ratnapark branch of Agriculture Development
Bank.
Government provide pension to the civil servants. The pension holder must renew
their pension ID in each and every 6 month otherwise their salary will not be credited
in their pension account. I as an intern performed the following pension related
activities:
  Pension patta renew
 After receiving the complaint from the customer about their salary not
credited in their account, I first checked the customer transactions and
personal detail.
 I then renewed his/her pension patta
 Pension holder must be present for the renew of pension patta so, I
made sure the pension patta holder was present at the time of renewal
of patta.
 I then recorded the name of pension holder, patta number and account
number in the renew form
 In the renew form, the pension holder need to sign and make the finger
print identification so I took their authorized signature and finger print
 Then I wrote the renewal date on the last page of patta.
 Then the salary was credited in their respective account after renewing
their pension ID and account number.
 Pension Update
 I used pension management system software
 I entered the patta number in the system for pension update in pension
presence.
 I checked the pension ledger to verify the pension payment for the
month.
 Birendra Payment
 I checked the kalyankari patta for the payment.
 I Performed EOD and restarted the system.
 I updated the pension holder in the system and made the required
payment.
 I printed the payment slip.
 I provided the slip to the pension holder and sent to in charge for
approval and payment.
 Account Closing
At ADBL, New Baneshwor branch, I got to learn about account closing which is
performed if the customer does not want to operate their account for certain reasons
they need to bring some documents like; original citizenship for individual customer
and all the original certificates with members agreements for corporate customers. To
close an account, an account holder need to bring all the products and services
provided by the bank such as, cheque book, ATM Cards and so on and their account
should be KYC updated.
2.2.2 Electronic Cheque Clearing Department
ECC department in Nepal is operated by Nepal Clearing House Ltd. The presenting
bank sends an electronic image of the cheque along with the relevant information like
the MICR code line data, date of presentation, presenting bank, etc., to the clearing
house. The clearing house forwards the images along with data files to the drawee/
paying bank. The paying bank branch takes the ‘Pay’ or ‘No-Pay’ decision based on
the image of the cheque.
I used to work as a presenting bank and send the cheque to the Pay Bank. I used to file
the presented cheque, returned cheque, and honored cheque in ECC department.
2.3 Problems Faced and Solved
During my internship in NBL, I learned many new things. Though my internship was
productive, I also encountered some problems. The major problems that I faced
during my internship and the measures taken to sort them out are as follows.
2.3.1 Problems Faced
The major problems that I faced during my internship in ADBL are.
 Task Related Problems
As I was new to the bank, I lacked necessary skills and knowledge required to
perform the task efficiently. Performing some tasks were quite intimidating initially as
I had no knowledge of it.
 Communication Issues
Being new to the organization and the organization culture, initially I faced with
communication issues with other employees in the organization.
 Handling Customers
Handling Customers in CSD was not an easy task for me during my early days of
internship.
2.3.2 Problems Solved
Having faced the above mentioned basic problems, I tried to solve them diligently by
putting effort and applying various measures to improve my performance as well as
the organization’s performance. Some of the attempts to solve the problem are.
  Once I became familiar with other employees and my supervisor, I put my
problem on the given task forward and asked them to help me out. It not
only improved my communication and interpersonal skills but also helped
me perform the given task properly.
 With the passage of time I became familiar with my work and it helped me
to boost my confidence and handle the customers effectively.
 I kept list of the task and projects that I had accomplish during my time as
intern which helped me to remember the experiences I had learnt.
2.4 Intern’s Key Observation
I joined ADBL, New Baneshwor as an intern in customer service department in-order
to enhance my knowledge in practical way. Being part of the organization has helped
me significantly to learn about the working culture and the situation of bank. The time
I had spent with ADBL, was very fruitful and supportive to my career through which I
had gained valuable work experience. The key observation that I had during my
internship period were.
 Organization Culture
Organizational culture is a system of shared assumptions, values, and beliefs which
governs how people behave in an organizations. As a government bank the
organizational culture at ADBL is motivating, encouraging and maintains the
discipline. They were monitored with the help of finger print scanner. I observed the
employees had proper dress code and were punctual.
 Working Environment
The working environment of ADBL was very friendly towards me. If the working
environment was stressful at that time assistant manager use to crack the jokes and
make some fun and create the normal environment. The behavior shown by customers
was friendly and cordial and was understandable towards me.
 Co-operation by Co-workers
Cooperation in the workplace with co-workers is integral to the ability of all workers
to complete projects and assignments successfully. An effective workplace requires
employees who know how to work together to get the job done. The co-workers at
ADBL, New Baneshwor branch were really very cooperative. I felt very much
comfortable to work with them. I observed a good line open communication with co-
workers on the other hand the staffs behaved in a polite respectful manner. The
employees were co-operative and helpful towards customers as well as me.
 Behavior of Supervisor
Supervisor is a person in the first-line management who monitors and regulates
employees in their performance of assigned or delegated tasks. At ADBL, New
Baneshwor Mr.Nabaraj Baral supervises the employees and interns. He has cool, calm
personality and he had treated every employee very well and taught me the entire task
effectively by motivating and encouraging. His behavior towards me was supportive,
motivating, encouraging and caring. Also, other employee’s behavior towards me was
very pleasant, supportive and motivating.
 Working Process and Technology
Technology is one of the major factors that minimize the operational cost and increase
the efficiency ADBL, New Baneshwor has all the latest technologies and modern
working process for functioning. The banks has computers, scanners and printer in
each departments, CCTV cameras to supervise, cash counting machine, ATM and so
on for the effective work processing.
Chapter-3
Lessons Learnt and Feedback
While working at ADBLas an intern, I had one of the great experiences, which will be
very helpful in my future life. I am now more visualized about the bank. Bank should
have potential and skilled manpower. No matter what is their qualification, they must
give 100 percent in their work. It is the idea and innovation of staffs that leads the
bank to the success. Through internship, I have developed communication,
interpersonal skills, somewhere leadership skills and built the knowledge base about a
specific field.
I practiced a higher level of responsibility and confidence, understood the gap
between theoretical knowledge and practical field got familiarized with office
equipment and understood the similarities between bank and college culture. There is
advance working process and modern technology used for functioning.
3.1 Key Skills Learnt
Gap between theoretical knowledge and practical knowledge can be observed during
internship period. Internship provides an opportunity to work and get knowledge and
skills required at that workplace. Some skills that I learned at ADBL are as follows.
 Operative Skill
I have learnt to make different entries while recording the ledger and opening the
account of the customers also I have learnt to open and close different types of
account, learnt about updating KYC and TAML. I have learnt the process of issuing
and printing cheque books and checking balance of the customers. I have learnt the
process of issuing ATM card. I have learned to identify different types of legal
documents.
 Communication Skill
The regular interaction with the customers helped me a lot to develop communicating
skills. I came to know about, how to present oneself in front of the customers in such
a way so that customers feel satisfied in every aspect about their queries that had been
presented. Convincing power to the customers increased while dealing with them. I
learnt to deal various commercial as well as others levels bank staffs.
  Interpersonal Skill
As working in theADBL, I have developed interpersonal skills to communicate with
others easily in the bank. I had to talk and understand every employee and their
demands and queries. I have developed mass facing ability, facing various types of
customers. In addition, working in CSD of ADBL, I also learnt the importance of
being cheerful, patient and responsive to the customers at workplace.
 Technical Skill
Before internship I was unable to use any of the technical instruments like printers,
computers, scanner and different software of the bank. Hence, I learnt the basic
necessary skills for operating, printing, using computers, scanner and software after
internship and it was only possible because bank placed me in customer care
department and electronic cheque clearing department and taught to perform activities
related to it. Hence, it developed my technical skills.
3.2 Attitudes Learnt
As the intern in the ADBL, I have learnt few other things apart from the skills and
that is attitudes toward the organization and co-workers. I used to feel uncomfortable,
nervous while interacting with anyone but after completing my internship I boosted
up with confidence as I have learnt attitudes like to boost confidence level to
communicate and co-ordinate with strangers which I lacked before working in this
organization. Some other attitudes that I have learnt during my internship are follows.
 Positive Attitude
The positive attitudes that were developed are as follows.
• I found most of the staffs in the organization were helpful and co-operative which
helped me to gain working knowledge and perform different tasks.
• I was punctual and obedient towards my work and organizations management that
helped me to drive positive attitude towards management.
• I learnt that behavioral issues are the most important inside the organization and
customers feel satisfied when they are behaved properly.
• The working environment of ADBL, New Baneshwor Branch was very friendly,
comfortable and satisfying which gave me energy to work more actively.
  Negative Attitude
Some of the pleasing work at ADBL, New Baneshwor Branch gave me positive
attitude but there are some negative approaches as well that I suffered during my
internship period are as follow.
• Many customers were not satisfied with ATM services and machines provided by
the bank.
• Loafing off by some team members could lead to huge negative impacts on the
overall team performance.
• I perceived that employee showed different assertiveness towards different
customers.
There are various attitudes toward different people and environment and some of
them are as follow.
 Attitude Learnt Towards Customers
After concealing with the customers during my internship period I came to know that
customers are the assets of any business. I had learnt both positive and negative
attitude towards customer. Some customers behave so well and behavior of some
customers was not so good. Sometime it was difficult for me to handle all customers
at a time.
 Attitude Learnt Towards Supervisor
My attitude towards supervisor was positive. Supervisor used to visit my department
in the bank and helped me if I got any trouble while working. Supervisor helped on
making banking environment familiar to me in my internship period onADBL. They
treated every employee including me equally so my attitude towards him was
positive.
 Attitudes Learnt Towards Co-worker
As working as intern in the bank, I came to know that some co-workers were polite
and some were not .Most of the co-workers in the bank were helpful and co-operative,
they helped me in learning process and gave me an idea about how to perform various
activities which helped me to build positive attitude towards them. They encouraged
me to work in team and create good working environment in bank.
  Attitude Learnt Towards Working Environment
During my internship period, I was familiar towards the working environment of
ADBL. I found working environment of the bank was good for all interns and
employees because of which I performed my work without any disturbance. Working
environment of ADBL was friendly, comfortable and satisfying for me and other
employees as well.
 Attitude Learnt Towards Overall Perception
Before working in bank as an intern I used to think that bank jobs were boring. But
after I did my internship in ADBL, my perception and attitude towards working at
banks has changed. I motivated to build my career in the banking field after
completion of my internship. Before starting internship I used to be uncomfortable
and nervous while interacting with anyone. But, during internship period I dealt with
different customers and agents which helped me to build confidence. So, this
internship program built positive attitude within me towards career at banks.
3.3 Feedback to the Bank
During the internship period, it was discovered that the bank has been performing its
functions very effectively through the coordination and efforts of the bank employees
and the administrationADBL also accepts deposits and lending loans, which seemed
to be passiveness of the bank. But now the bank has analyzed the current growing
scenario of the banking scope and thus increased its pace of banking transactions and
strategies. The financial position of ADBL is concluded to be in satisfactory position.
The bank has provided loan on unproductive sectors for short, medium, and long
term. Besides these, ADBL seems to be not satisfying its customer needs properly.
Customers are unsatisfied due to its slow working procedures and low interest rates
on its products and services. Still the bank needs to review the management and adopt
the better technologies. The working method is too slow. Every transaction is posted
manually into register and then into computer, which makes work lengthy and
complicated too. More training must be provided to the staff in short interval of time
so that they become familiar with the new modern technology. Moreover, staffs are
not familiarized with the latest skills and technologies. Traditional procedures are still
adopted, which certainly delays service delivery and leads to customer dissatisfaction.
This must be stopped by upgrading the technology used in the bank and its branches.
However, there are few things to be checked upon, within the bank and they are as
follows.
• Photocopy machines should be in a condition and it should be quite enough to
facilitate all the staffs.
• The organization should improve its departmental overload which is now for few
staff only.
• The operations should be systematized in proper flow of the work.
• The bank should provide adequate resource plan and policies for career
development, reward, and facilities on the basis of performance.
• The bank should initiate the systematic record–keeping. The scientific system
should be used while filing. The indexing should be encouraged.
• ADBL should increase the number of ATM machines both within and outside the
valley so as to attract more customer towards the bank.
3.4 Feedback to the College/University
The internship program is to be conducted by the students as per the requirement of
the university. It is also a responsibility of the college to provide good and practical
opportunities to the students to impart the real world situations. The experience from
the workplace can help interns to gain necessary skills and knowledge that can
improve their career. Therefore, here are some proposals for the college/university.
• The time period for the intern should be extended more so, that we can develop our
skill, knowledge and the job experience and also can learn the organizational culture.
• Regular monitoring should be done by the supervisor regarding the involvement of
the students.
• University should do negotiation with some big industrial houses, and financial
institutions so that there won’t be any hurdles for us while searching internship.
• The college should conduct different types of educational programs and invite the
organizations so that they will be aware about the talent of the students.
• The internship program would be effective if it was in the eighth semester. It would
be easier for the student to join the organization if an offer will be made.
In spite, of all I would like to thank to Pokhara University and Apollo International
College, for giving such mind blowing course structure, extremely ace teachers, and
good environment and giving such golden opportunity to learn practically beyond
classroom and learn about work culture and environment.