DECLARATION
I hereby declare that the internship report entitled “An Internship Report on
Machhapuchchhre Bank Limited’’ submitted by me in partial fulfillment of the requirement
for the award of Bachelor of Business Administration (BBA) degree of Pokhara University(PU)
comprises only my original work and due acknowledgement have been made to materials used in
the report.
………………………………
Signature
Jenish P. Chaudhary
March,2024
i
BONAFIDE CERTIFICATE
It is certified that this internship report entitled “An internship Report on Machhapuchchhre
Bank Limited” is the bonafide work of Mr. Jenish P. Chaudhary who carried out the
internship work under my supervision. This report is forwarded for examination.
…………………………… …………………………
Signature Signature
Mr. Megh Raj Upadhyay Mr. Jitendra Prasad Bhatta
(Supervisor) (Head of Department, BBA)
………………………….
Signature
Mr.
(External Examiner)
ii
ACKNOWLEDGEMENTS
This Internship report is for the Bachelor in Business Administration (BBA) undertaken at
Pokhara University of Nepal. This report is the outcome of effort and suggestions from a lot of
peoples. This Internship report work is the collection and collaboration of ideas, knowledge, and
hard work accomplish with the help and guideline of respected mentors.
I am pleased to present this report on topic “An Internship Report on Machhapuchchhre
Bank Limited.” I would like to express my gratitude towards Pokhara University and NAST
College for providing me an opportunity to be involved in the internship program which gave me
the real time exposure to the work environment and bridge the gap between theoretical learning
and practical understanding to some extent.
In context of this internship report work, first of all my deep sense of gratitude goes to Mr.
Shivhari Sharma Mudbari, Managing Director of NAST College, Mr. Prem Bahadur Chand,
Principal of NAST College and Mr. Jitendra Prasad Bhatta, Head of BBA Department to give
me real time exposure to practical knowledge through this internship work. Along with them I
am thankful to Mr. Megh Raj Upadhyay, Lecturer of National Academy of Science and
Technology for his supervision throughout internship period. I am thankful towards him to
encourage me by giving this opportunity and to provide me guide lines for accomplishment of
this project.
I am also grateful to Machhapuchchhre Bank Ltd., for giving me an opportunity to be a part of
their organization to learn the core value of organization and practical implementation of my
knowledge. I want to express sincere thanks to Mr. Shiv Raj Pathak (Branch Manager of
MBL, Dhangadhi Branch) and all the staff members for providing me with all the information
and creating a suitable and friendly environment for learning and also for provision of expertise
and technical support in implementation. Without their experience and superior knowledge my
internship would lack in quality of outcomes and thus their support has been essential.
Lastly, I would like to express my sincere thanks to all those who directly and indirectly helped
me to complete my report.
Jenish P. Chaudhary
March,2024
iii
LIST OF ABBREVIATIONS
ABBS = Any Branch Banking Services
ALM = Assets Liability Management
ATM = Automated Teller Machine
BFIs = Bank and Financial Institutions
BLB = Branch Less Banking
BOD = Board of Directors
BRR = Borrower Risk Rating
CIB = Credit Information Bureau
STR = Suspicious Transaction Reporting
CDM = Cash Deposit Machine
CEO = Chief Executive Officer
CFR = Credit Facility Report
CSD = Customer Service Department
ECC = Electronic Cheque Clearing
EMI = Equal Monthly Installment
GDP = Gross Domestic Product
GON = Government of Nepal
NPL = Non-performing Loan
IT = Information Technology
PEP= Politically Expose Person
PIN = Personal Identification Number
OD Loan = Overdraft Loan (CC Loan)
SMEs = Small and Medium Enterprises
SWIFT = Society for Worldwide Interbank Financial Telecommunication
TR Loan = Trust Receipt Loan
TT = Telegraphic Transfer
iv
List of Tables and Figures
Table1.1. Board of Directors of MBL ………………………………………………………….17
Table1.2. Management Committee of MBL …………………………………………………...17
Table1.3. Financial Components of MBL ……………………………………………………..18
Table1.4. Five Year Profit of MBL …………………………………………………………….19
v
Table of Contents
DECLARATION……………………………………………………………………………....Err
or! Bookmark not defined.
BONAFIDE CERTIFICATE……………………………………………………………….....ii
ACKNOWLEDGEMENTS……………………………………………………………………iii
LIST OF ABBREVIATIONS…………………………………………………………………..iv
Chapter I : Organization’s
Profile……………………………………………………………...Error! Bookmark not defined.
1.1 Introduction to the organization
………………………………………………………....Error! Bookmark not defined.
1.2 Organization’s vision, mission and objective…………………………………………….2
1.3 Major markets and customer …………………………………………………………….3
Major Markets……………………………………………………………………...…….3
Major Customers…………………………………………………………………….……3
Deposit products of MBL ………………………………………………………………..4
Lending product of
MBL……………………………………………………………...…Error! Bookmark not
defined.
Other Product and Services by MBL……………………………………………………12
New services provided by MBL...………………………………………………………12
1.5 Organization design and structure………………………………………………………17
Board of Directors…………………..…………………………………………………...17
Management Committee …………………………………….………………………….17
1.6 Financial structure………………………………………………………………………18
1.7. Organization Performance……………………………………………………………...19
vi
Net Profit …………………………………………………………………………….19
Awards Received by MBL ………………………………………………………....19
Public Image ………………………………………………………………………....19
Rating of MBL ……………………………………………………………………...20
Corporate Social Responsibility ……………………………………………………..20
Chapter II : Job Profile and Activities Performed………………………………………22
2.1 Activities performed in the organization………………………………………………..22
Activities Performed in Enquiry Desk…………………………………………………..22
Activities Perfoermed in Customer Service Department……………………………….23
Activities Performed in Administration Department……………………………………25
Activities Performed in Cash Counter…………………………………………………..27
2.2 Problems identified and solved…………………………………………………………28
2.3 Intern’s key observations……………………………………………………………….29
2.4. Tools of Monetary Policy………………………………………………………………33
Chapter III: Lesson Learnt and Feedback……………………………………………………36
3.1 Key skills and attitudes learnt…………………………………………………………..36
3.2 Feedback to the organization……………………………………………………………38
3.3 Feedback to the college/university……………………………………………………...39
References
Appendix
vii
