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GAIRIDHARA BRANCH
By
Rojej Shrestha
DECLARATION
This internship Report entitled “An Internship report on Sunrise Bank”, submitted by
Rojej Shrestha in partial fulfillment of the requirements for the award of BBA-BI degree
of Pokhara University submitted to Ace Institute of Management comprises only my
work due acknowledgments have been made to materials used in the report under the
supervision of Mrs Sharmila Maharjan, the Facilitator of Ace and Mr. Ram Kumar Giri,
Branch Manager, Suresh Parajuli, Prakriti Giri, Somi Malla of Sunrise Bank.
………………………….
Signature
Rojej Shrestha
BONAFIDE CERTIFICATE
This is to certify that this project report titled “An Internship report on Sunrise Bank
Ltd.” submitted by Rojej Shrestha for the partial fulfillment of the requirement of BBA-
BI embodies the bonafide work done by her under my supervision.
…………………………. ……………………………
Signature Signature
……………………………..
Signature
Date:
INTERNSHIP REPORT IV
ACKNOWLEDGMENT
This report is set up under the extraordinary arrangement of the commonsense field
learning which is set up to satisfy the necessity of Bachelor in Business Administration
Banking and Insurance. This sort of work is key for any administration understudies that
give us chances to get presented to practical information and implications, giving
ongoing critical thinking circumstances. I might want to thank our school colleague for
their support and encrouagement.
A genuine thank to our venture counsel Mrs.Sharmila Maharjan for her valuable direction
and eagerness in readiness of this temporary position report and my field boss Ms.
Prakriti Giri, Mr. Suresh Parajuli, Ms. Somi Malla.
Further, I would like to express my sincere thanks to Pokhara University and Ace
Institute of Management, for providing the opportunity of internship.
Lastly, I would like to thank all other supervisors and senior interns, who guided me
throughout the internship program in SBL. The guidances that I received, helped me to
perform my best and learn things that will surely prove to be helpful in my career.
INTERNSHIP REPORT V
LIST OF ABBREVIATION
LC LETTER OD CREDIT
Contents
CHAPTER I ........................................................................................................................ 1
CHAPTER 2 ..................................................................................................................... 14
CHAPTER 3 ..................................................................................................................... 18
ANNEXES ........................................................................................................................ IX
INTERNSHIP REPORT VIII
LIST OF TABLE
Table 1 Fixed Deposit Schedule ......................................................................................... 4
Table 2 Capital Structure .................................................................................................... 9
Table 3. product and services........................................................................................... XII
INTERNSHIP REPORT IX
LIST OF FIGURES
CHAPTER I
ORGANIZATION PROFILE
1.1 Introduction
A bank is a financial institution that primarily accepts deposits and creates credit. Banks
also provide financial services, such as wealth management, foreign currency exchange
and safe deposit lockers. There are two types of banks: Commercial Banks and
Investment Banks. Generally, Banks are regulated by the national government or central
bank.
The major objectives of Central Banks are Currency Stability, Inflation control and
Monetary policy and control of money supply in an economy. Some of the world’s major
central banks are U.S Federal Reserve Bank, the European Central Bank, the bank of
England, and the bank of japan the Swiss National Bank and the people’s Bank of China.
In an economy driven by appetite for success, Sunrise Bank Limited is "Rising to Serve"
by defining new levels of services and products. As a bank founded by reputed
entrepreneurs, they understand the needs of a growing economy and are well equipped to
serve.
Their team of seasoned banking and management professionals has dedicated themselves
to establishing an institution determined to cater to the needs of all, be it big or small. Our
aspirations are their benchmarks and we will always be "Rising to serve".
Sunrise Bank Nepal Ltd. provides personal and business banking products and services.
Its personal banking products and services include savings deposits, fixed deposits, and
loans; and business banking products and services include loans and advances, demand
loans, fixed term loans, import loans, overdraft loans, short term pledge loans, export
financing, hire purchase, deprived sector loans, SME loans, loan against bank guarantee,
loan against government bonds, loan against shares, loan against fixed deposits of other
banks, consortium loans, and gold loans. The company also provides locker, Internet
banking, remit, and mobile banking services, as well as Visa debit cards.
INTERNSHIP REPORT 2
As per bank they say the bank understand that banking is no longer a numbers game.
“success” for us is not just a margin. We understand that you are looking for a friend. A
friend to understand, evaluate and invest in your dreams and aspirations. A friend who
will safe guard your savings and give you the best value for it. For us success is your
hand in friendship.
I was deployed in Credit Department of Main Branch. It is one of the most important
department of a bank that generates the major source of income for bank i.e. Interest
Income. The Credit Department of Main Branch provides different loan products not less
than NRs. 5.00 Lakhs. It has large customer base and good position of Credit portfolio.
People purchase different loan products such as SME Loan (Small Medium Enterprises),
Overdraft, Margin Lending and so on. Sunrise Bank Ltd has large customer base from
low income to high income earning people.
INTERNSHIP REPORT 3
Deposits
Loans and Advances
Along with these products, other services that significantly contribute for SBL’s revenue
generation and customer retention include:
Suryodaya Remit
Locker
Branchless Banking
Internet Banking
Mobile Banking
Sunrise Visa Debit Card
Extension Counter
1.4.1 Deposits
Deposits are the major sources of fund in SBL. Deposit is the amount placed by
individuals and corporate groups in the bank for safekeeping and is subject to
withdrawal on the demand of the depositor or at the time of maturity of stated period.
Deposits are the major liability for any banks and in case of liquidation, deposits are
settled first and foremost. Deposits are facilitated through variety of accounts and
they are:
a) Fixed Account
A fixed account requires the depositor to deposit a fixed sum of money for a fixed
period of time. A penal interest is charged in case of withdrawal of fixed deposit
prior maturity. The interest is paid on quarterly basis. Fixed account can be
opened by individuals, minors, clubs, societies, associations and trusts.
INTERNSHIP REPORT 4
Individual
6 Months 4.00%
1 Year 5.00%
Corporate
1 year 4.00%
b) Saving Account
A saving account is an interest bearing account. In SBL, interest is calculated on
daily balance and credited to the account on quarterly basis. The minimum
balance for saving account depends on the nature of saving account. Such balance
is subject to any incidental charges that SBL specifies during the period. To keep
the records of savings and transactions as well as to be updated with the status of
the account, a passbook is provided to the depositor. The types of saving account
in SBL are:
Normal Savings
Sunrise Payroll Savings
Sunrise Fat Savings
Sunrise Exclusive Bachat
Sunrise Bal Bachat
Sunrise Share Dhani
Sunrise Pink Bachat
Sunrise Remit Bachat
USD/GBP Saving
INTERNSHIP REPORT 5
1.4.2 Loan
SBL provides wide range of loan products for both individual and corporate. It is the
major source for income earning of the bank. Dome of the loan products are
This loan is basically focused for those who dreams to own their home. The
interest are highly competitive. The interest rate ranges from 8.50% to 13%.
Sunrise Sajilo Karja can be disbursed for social, personal, business purposes.
This flexible loan allows the borrower to fulfill all personal financial
requirements. We offer loans in line with the clients' repayment capacity and
the usage of the loan.
c) Term Loan
INTERNSHIP REPORT 6
1.4.4 Locker
Sunrise Safe Deposit Locker is facility furnished to the individual and
institutional customers who prefer to safe deposit precious gems & jewelries and
important documents to evade the probability of increasing theft, burglary and
fire. The Safe Deposit Locker has been the first choice for the safest custody of
the valuable goods with flexibility of time to store and take away when required.
The Bank has varied sizes of Safe Deposit Locker to select from. Lockers facility
can be availed from selective Branches of the Bank.
o Credit Products
o Safe Deposit Lockers
o Foreign exchange services etc.
INTERNSHIP REPORT 8
CHAIRMAN
(Mr. Motilal Dugar)
The Board of Directors consists of 9 members. As per the directives of NRB, there are 3
Public Directors and 6 Director. Mr. Motilal Dugar is the chairman of SBL.
INTERNSHIP REPORT 9
At present, the authorized share capital of SBL is NRs. 5.00 Billion whereas the paid-up
capital is 3.98 Billion. 51% of paid-up capital is held by promoter shares whereas 49% is
held by public shares. The pie-chart diagram is presented in Annexes.
As per the directives of NRB, every “A” Class commercial bank must maintain its paid-
up capital to NRs. 8.00 Billion by fiscal year 2073/74. SBL has its capital plan to reach
the directive through the merger and issuance of rights and bonus shares.
1.9 Deposits
At the mid July 2014, the deposit of Sunrise Bank Ltd. increased by 14% and reached Rs
26.2 Billion. The bank has offered need to low enthusiasm bearing stores as opposed to
the high enthusiasm bearing deposits.Hence,the add up to altered stores diminished by
3% to NPR 10.48 billion while the aggregate sparing Deposits of the bank expanded by
20% to NPR 9.88 billion. The interest bearing accounts have increased by 13% while the
total deposits have increased by 14%
The following bar-diagram shows the changes in deposits at the end of the fiscal year
2013/14.
INTERNSHIP REPORT 10
Figure 2 Comparison between the deposits of present and last fiscal year
1.9.1 Expenses
SBL has been able to maintain its expenses as compared to the previous fiscal
year. Expenses are tried to minimize as far as possible. The expenses categories can be
divided into 3 parts.
Staff Expenses: Staff expense seems to increase by 2% than the previous year.
SBL has provided its staff with more benefits, appraisals, increase in salary.
Depreciation and Amortization: Depreciation expenses have been decreased by
1%.
Other Operating Cost: As every organization tends to decrease its operating cost,
SBL has been able to cut the cost by 1% from the last fiscal year.
INTERNSHIP REPORT 11
Financial
Status
Learning
and
Growth
a) Financial Status
The performance of SBL is outstanding and it is one of the leading banks in the
banking industry of Nepal. SBL is the bank with the most networked branches all
over Nepal. Currently the capital base of SBL is NRs. 5.00 billion, which denotes
that the financial capacity of the bank is very strong. As of Ashadh 2073, the
capital adequacy ratio of SBL is 11.41%. This shows that the bank is financially
stable and efficient in its functioning.
INTERNSHIP REPORT 13
b) Customer Perspective
Creation of customer satisfaction and customer delight is of utmost importance
for SBL. It deals with various natures of customers ranging from individuals to
corporate groups. SBL continually comes up with various customized products
that are tailored as per the need of the customers. For an instance, earthquake
relief loan for earthquake victims at 2% interest rate, women’s saving account
with various discount schemes, etc. However, according to the customers, there is
more scope for improvement in the service provided by SBL.
c) Internal Processing
The processes of SBL are systematized for better services and effectiveness of the
bank. Every member of the bank knows his/her responsibility and duties toward
the organization as the responsibilities and authority to each designation is clearly
spelled. The channel for flow of information is also clear. With effective
communication and clear lines of authority, the internal processing is free from
mismanagement.
CHAPTER 2
JOB PROFILE AND ACTIVITIES PERFORMED
My Internship tenure in Sunrise Bank Ltd. was of 7 weeks in Main Branch, Gairidhara. I
got the wonderful opportunity to work in Credit Department. Through this department, I
was able to acquire the very essential banking knowledge as I want to see myself as a
banker in future. I primarily learned the Credit products such as Loan, Overdraft,
LC/Guarantee etc. In my tenure, I was able to deal with customers and disseminate the
information to them. Not only Credit related tasks, I was able to gain knowledge about all
the other banking task.
2.2 Learnings:
Coordination and respect among staffs.
Listen and understand the customers.
Two-way communication is very vital.
Dealing with the customer through psycho-analysis
Brain Storming and Team Work.
Positive Organizational Behavior.
Motivation and Self motivational techniques.
Decision making, cognitive learning.
Following and respecting the work ethics.
INTERNSHIP REPORT 15
I also learnt to prepare CFOL (Credit Facility Offer Letter). However, I was no
the authorize concern to prepare CFOL, I was able to prepare it by the end of my
internship tenure.
documents, I enjoyed learning the new terms, technical words and so on. I learnt to scan
the documents, print them and Xerox them.
CHAPTER 3
LESSON LEARNT AND FEEDBACK
3.1 Key skills and attitude learnt:
An internship is an opportunity offered by employers, both in the non-profit and for-
profit sectors, to students interested in the industry. An intern works at the company for a
fixed period of time, usually three to six months. Some students will have a part-time
internship, where they work at the office for just a few days or hours a week. Others will
have full-time internships, meaning they work the same hours as the company's full-time
employees. At SBL, my internship tenure of 7 weeks provided me the wonderful
opportunities to know about the professional banking world. I knew what is to work in
organizational work settings.
for a wide range of publicizing and organization ought to keep a nearby tie with
the business.
The staffs whose job role requires frequent contacts with the customers should be
trained to deal in a patient and polite manner.
The willingness to work should be developed among the employees through
effective incentive plans
The technologies should be updated as the existing technologies are slowing the
processes.
Understudies needed to pick the less good alternative because of time limitations.
The 6/8 weeks’ time span for temporary position is insufficient for an understudy.
It would have been exceptional if the related University and College can give
such temporary job program in the last semester of BBA-BI educational modules
with legitimate introduction program.
Appropriate directing to the understudies amid their entry level position ought to
be given so that the understudies would know whether whatever they have been
learning at their work coordinate their temporary job targets or not.
The college ought to consider making school time adaptable for understudies after
the Internship is over in light of the fact that working and increasing pragmatic
learning is similarly essential as hypothetical information.
Inspite of all I would like to thank to Pokhara University and Ace establishment
of Management, for giving such mind blowing course structure, extremely ace
indicating teachers, and better school environment and giving such passage level
position undertakings to get the learning of organization understudies.
INTERNSHIP REPORT VIII
REFERENCE
http://wwww.sunrisebank.com.np/
INTERNSHIP REPORT IX
ANNEXES