Escolar Documentos
Profissional Documentos
Cultura Documentos
on
CREDIT DEPARTMENT
of
NEPAL INVESTMENT BANK LIMITED
Submitted By:
Rashmi Shahi
South Asian Institute of Management
Exam Roll no.: 14218
PU registration no: 2014-2-62-0048
A Report Submitted To
Baneshwor, Kathmandu
September 15, 2016
ACKNOWLEDGEMENTS
I have great pleasure in submitting this research report to the respected teachers and really
enjoying in expressing a deep sense of gratitude to seniors and juniors.
First of all, I wish to express my profound gratitude to the entire faculty members of South
Asian Institute of Management (SAIM). Their constant inspiration, opinions and support has
resulted in the completion of this work.
Thanks are due to authors of books, journals and articles that were consulted in course of
the study. I am extremely thankful to Human resource manager of NIBL for providing me with
the opportunity of internship. I also offer my thanks to the staffs of NIBL Pulchowk for their
constant help and co- operation.
The special thanks go to all of my friends for their regular motivation, support and help to
make this report possible.
Rashmi Shahi
Contents
Chapter One: Introduction .......................................................... Error! Bookmark not defined.
1.1 Background ....................................................................... Error! Bookmark not defined.
1.2 Objective of the Study....................................................... Error! Bookmark not defined.
1.3 Methodology ..................................................................... Error! Bookmark not defined.
1.3.1 Selection of the Organization .................................... Error! Bookmark not defined.
1.3.2 Placement .................................................................. Error! Bookmark not defined.
1.3.3 Duration of Internship................................................ Error! Bookmark not defined.
1.3.4 Source of Data Collection........................................... Error! Bookmark not defined.
1.4 Limitation of the Study...................................................... Error! Bookmark not defined.
Chapter Two: Introduction of Banking Industry ......................... Error! Bookmark not defined.
2.1 Background ....................................................................... Error! Bookmark not defined.
2.2 Origin of Bank.................................................................... Error! Bookmark not defined.
2.3 Development of World Banking Sector ............................ Error! Bookmark not defined.
2.4 History of Banking Development in Nepal ........................ Error! Bookmark not defined.
2.5 Current Scenario ............................................................... Error! Bookmark not defined.
2.6 Need of Banking ................................................................ Error! Bookmark not defined.
2.7 Commercial Bank .............................................................. Error! Bookmark not defined.
2.8 Functions of Commercial Bank ......................................... Error! Bookmark not defined.
2.9 Present Scenario of Commercial Banks in Nepal .............. Error! Bookmark not defined.
Chapter Three: Introduction of the Organization ....................... Error! Bookmark not defined.
3.1 An Overview of NIBL ......................................................... Error! Bookmark not defined.
3.1.1 Vision.......................................................................... Error! Bookmark not defined.
3.1.2 Mission Statement ..................................................... Error! Bookmark not defined.
3.1.3 Strategic Objectives of NIBL ....................................... Error! Bookmark not defined.
3.1.4 Core Values and Ethical Principles ............................. Error! Bookmark not defined.
3.2 Ownership Structure and Share Capital of NIBL ............... Error! Bookmark not defined.
3.3 Review of Banks Financial Performance .......................... Error! Bookmark not defined.
3.4 Major Products and Services of NIBL ................................ Error! Bookmark not defined.
3.4.1 Products of NIBL ......................................................... Error! Bookmark not defined.
3.4.2 Services of NIBL .......................................................... Error! Bookmark not defined.
3.5 Branches and ATMs of NIBL .............................................. Error! Bookmark not defined.
3.6 SWOT Analysis................................................................... Error! Bookmark not defined.
3.7 Credit Department in NIBL ................................................ Error! Bookmark not defined.
3.7.1 Corporate Credit ........................................................ Error! Bookmark not defined.
3.7.2 Retail Credit................................................................ Error! Bookmark not defined.
3.7.3 Credit Administration Department ............................ Error! Bookmark not defined.
3.7.4 Loan Administration Department .............................. Error! Bookmark not defined.
Chapter Four: Analysis of Activities Done and Problem Solved.. Error! Bookmark not defined.
4.1 Activities Performed in the Organization.......................... Error! Bookmark not defined.
4.1.1 Customer Service Department................................... Error! Bookmark not defined.
4.1.2 Clearing Department.................................................. Error! Bookmark not defined.
4.2 Credit Department ............................................................ Error! Bookmark not defined.
4.3 Functions of Credit Department ....................................... Error! Bookmark not defined.
4.3.1 Relationship Building with Customers ....................... Error! Bookmark not defined.
4.3.2 Analyzing the Credibility of Customers ...................... Error! Bookmark not defined.
4.3.3 Credit Approval Process ............................................. Error! Bookmark not defined.
4.3.4 Collection, Monitoring and Recovery Activity ........... Error! Bookmark not defined.
4.4 Problems Encountered and Solved ................................... Error! Bookmark not defined.
Chapter Five: Conclusion and Lessons Learnt ............................. Error! Bookmark not defined.
5.1 Conclusion ......................................................................... Error! Bookmark not defined.
5.2 Lessons Learnt................................................................... Error! Bookmark not defined.
BIBLIOGRAPHY ............................................................................ Error! Bookmark not defined.
ANNEXURE .................................................................................. Error! Bookmark not defined.
List of Tables
List of Figures
DD Demand Draft
TT Telegraphic Transfer
MC Managers Cheque
ID Identity Card