AN INTERNSHIP REPORT

ON
KUMARI BANK LIMITED

SUBMITTED BY:
Gautam Bhatta
Symbol No: 14030623
P.U. Registration Number: 2013-2-03-1781
Kailash Budhair
Symbol No: 1403029
P.U. Registration Number: 2013-2-03-1787

A Internship Report
Submitted To
National Academy Of Science and Technology

Submitted for degree of

Bachelor of Business Administration (B.B.A)

Dhangadhi, Kailali
June, 2017
 ACKNOWLEDGEMENT

An internship report entitle "AN INTERNSHIP REPORT ON

KUMARI BANK LIMITED" has been as a prerequisite for the
Bachelor Degree in Business Administration of Dhangadhi University.
This report has highly helped me to expand my knowledge on banking
sectors and other activities related to banking system of Nepal. I am
indebted to my college National Academy of Science And Technology for
the great opportunity to experience this type of practical and necessary
work which is very beneficial in my future career.

I would like to express my deep gratitude to all those who assisted with
their valuable suggestions and numerous ideas with valuable time while
preparing the project. We would like to extend our gratitude to Mr.
Khagendra Saud Branch manager of Kumari Bank Limited. We are also
grateful to all staffs-Mrs. Sunita Bhatta, Mr. Dharmanand Bhatt, Mr.
Govind Paneru and Mr. Sher Bahadur Saud for their valuable co-
operation, guidance, direction, and continuous support throughout the
internship period.

I would like to express my sincere thanks to HOD of management

faculty Mr. Prem Raj Joshi and Mr. Megh Raj Upadhyay lecturer of
National Academy of Science And Technology and the entire faculty
members who have come across me from the initial stage of my project
work to the complete execution of my project work.

Date: 2017/06/13

Kailash Budhair

Gautam Bhatta
 National Academy Of Science and Technology

TABLE OF CONTENTS

Chapter Page No.

Chapter I Organization Profile

1.1. Introduction 1

1.2. Background of the organization 1

1.3. Organizations mission and objectives 2

1.4. Major markets and customers 4

1.5. Product and Services 4

1.5.1. Products of Kumari Bank Ltd 4

1.5.2. Services of Kumari Bank Ltd 8

1.6. Organizational design and structure 11

1.7. Financial structure 12
1.7.1. Ownership structure 13
1.8. Organizational performance 14

Chapter II Job Profile and Activities Performed

2.1. Activities performed in the organization 16

2.2. Problem solved 19
2.3. Interns key observation 19

Chapter III Lesson learnt and Feedback

3.1. Key skills and attitude learnt 21

3.2. Feedback to the Organization 21
3.3. Feedback to the College/University 22
REFERENCES 23

Declaration

This internship project report entitled "An Internship Report On Everest

Bank Limited" which is submitted by us in partial fulfillment of the
requirement for the award of BBA degree of Pokhara University
comprises only our original work and due acknowledgement have been
made to materials used in the report.

Signature.. . Signature...................

Gautam Bhatta Kailash Budhair

June, 2017
 BONAFIDE CERTIFICATE

It is certified that this internship project report entitled An Internship

Report On Kumari Bank Limited is the Bonafide work of Gautam
Bhatta & Kailash Budhair who carried out the project under my
supervision. This report is forwarded for examination.

.. ...............................

Mr. Megh Raj Upadhyay HOD: Prem Raj Joshi

Supervisor Head of Department, BBA

 LIST OF TABLES

Tables Page No.

Table 1: Branches of KBL

Table 2: Products of KBL

Table 3: Saving deposit of KBL

Table 4: Loan of KBL

Table 5: Board of Directors

Table 6: Management committee

Table 7: Core Capital and its components

Table 8: Supplementary Capital and its components
Table 9: Total Qualifying Capital
Table 10: NRB policy of Kumari bank (8 Arab)
Table 11: Ownership Structure of Kumari Bank Limited

Table 12: Financial Achievements of Kumari Bank Limited

LIST OF FIGURES
Figures Page No.
Fig 1: Organizational Structure of Kumari Bank Ltd

Fig 2: Shareholding composition

ABBREVIATION

ABBS : Any Branch Banking Service

ASBA : Applications Supported by Blocked Amount

ATM : Automatic Teller Machine

BOD : Board of Directors

CSD : Customer Service Department

ECC : Electronic Cheque Clearing

KBL : Kumari Bank Limited

KYC : Know Your Customer

NRB : Nepal Rastra Bank

NTC : Nepal Telecom

PUK : Personal Unlocking Key

POS : Point of Sale

SCT : Smart Choice Technology

SMS : Short Message Service

SWIFT : Society for Worldwide Interbank Financial Telecommunication

 CHAPTER I
ORGANIZATION PROFILE

1.1 About Kumari Bank Limited

Kumari Bank Limited, came into existence as the fifteenth commercial bank of Nepal
by starting its banking operations from Chaitra 21, 2057 B.S (April 03, 2001) with an
objective of providing competitive and modern banking services in the Nepalese
financial market. The bank has paid up capital of Rs. 2,699,166,532 of which 51% is
contributed from promoters and remaining from public.

Kumari Bank Ltd has been providing wide - range of modern banking services
through 37 points of representations located in various urban and semi urban part of
the country, 25 outside and 12 inside the valley. The bank is pioneer in providing
some of the latest / lucrative banking services like E-Banking and SMS Banking
services in Nepal. The bank always focus on building sound technology driven trainee
system to cater the changing needs of the customers that enhance high comfort and
value. The adoption of modern Globus Software, developed by Temenos NV,
Switzerland and arrangement of centralized data base system enables customer to
make highly secured transactions in any branch regardless of having account with
particular branch. Similarly the bank has been providing 365 days banking facilities,
extended banking hours till 7 PM in the evening, Utility Bill Payment Services,
Inward and Outward Remittance services, Online remit Services and various other
banking services.

Visa Electron Debit Card, which is accessible in entire VISA linked ATMs (including
47 own ATMs) and POS (Point of Sale) terminals both in Nepal and India, has also
added convenience to the customers. The bank has been able to get recognition as an
innovative and fast growing institution striving to enhance customer value and
satisfaction by backing transparent business practice, professional management,
corporate governance and total quality management as the organizational mission.
1.2 Organization`s Missions, Visions and Objectives

Visions
Kumari Bank vision is to be the preferred financial partner to our customers, a center
of career growth to our employees, and to maximize our shareholders value, while
contributing to our nations financial sector and to its economic welfare.

Missions

Kumari Bank mission is to deliver innovative products and services to our customers,
use these innovative products to achieve financial inclusion, and do so by
exemplifying good corporate governance, proactive risk management practices, and
superior corporate social responsibility.

Objectives
The core values or the objectives of the organization mainly are to meet customer
satisfaction through easy and quality service and others are mentioned below:

Bringing innovations and customization to meet customer need and to

hold quality of service.
Provide secured future for its internal employees.
Attractive return to its investors.
Lower rates for loan clients.
Upholding honesty and sincerity
Engaged in various social activities fulfilling corporate social
responsibilities.

Strengthen the market shares.

1.3 Major markets and customers

KUMARI Bank Limited (KBL) with a slogan of SABAI KA LAGI SADHAI KA

LAGI expands its services in Dhangadhi. It has been operating its business in many
places of Nepal since sixteen years. Its major market is viewed to be every nook and
corner of the country so it is extending further more branches in the various cities in
the near future. The various branches recently in operation by the branch managers
are: provides customer-friendly services through its Branch Network and all it's the
branches are connected through Anywhere Branch Banking System (ABBS), which
enables customers for operational transactions from any branches.

Table 1.3.1: Number of customer different a\c in the bank

S. Name of Accounts Total no. of customers

No.
1 Saving 3000
2 Current 600
3 Others 400
4 ATM cards holder 1556
5 Credit cards holder 0
Source: CSD, KBL, Dhangadhi Branch
1.4 Products and Services

As a pioneer in introducing many innovative products and marketing concepts in the

domestic banking sector it represents a milestone in the banking history of Nepal with
customer satisfaction considered as focus objective while doing business.

1.4.1 Products of KBL

Kumari Big Savings Khata

Kumari Big Savings Khata as the name suggests, provides higher rate of
interest amongst the saving category product & additional banking benefits. It
is the premium saving account which provides higher rate of return and value
added banking services to the saving accountholders.

Account Opening:

Minimum balance of NPR. 10,000

Key benefits :
Privileged service
Account Statement - FREE
Cheque book- FREE (upon request)
VISA Debit Card valid in Nepal and India
Mobile Banking facility/ SMS alert notification
Internet Banking facility
NTC and NCELL postpaid, ADSL, PSTN bill payment
service from KBL Counters, Kumari Mobile Banking and
Internet Banking
365 Days banking and extended banking hours
 Home loan/ Auto loan/ Education loan processing fees at a
concessional rate.

Kumari Smart Bachat Khata

Kumari Smart Bachat Khata offers account opening facility at zero balance. We
believe in providing banking access to all hence, this is a very suitable account for
everyone. Besides the facility to open account in zero balance, the accountholders
are offered various banking facilities
Account Opening:
Minimum balance of ZERO.
Features:
Unlimited Withdrawal
Account Statement - Free
Cheque book - FREE but upon request
VISA Debit Card valid in Nepal and India
Mobile Banking facility
Internet Banking facility
NTC and NCELL postpaid, ADSL, PSTN bill pyament service from KBL
Counters, Kumari Mobile Banking and Internet Banking
Locker Facility
Evening Counter, 365 Days Banking
Telephone/ Mobile Bill Payment service
Home loan/ Auto loan/ Education loan processing fees at a concessional rate.
 Kumari Savings

Kumari Savings account is a special saving account that beholds the

corporate name after Living Goddess Kumari. The customers can avail
various value added banking services in this account.
A/C Opening:
Minimum balance of Rs. 5,000.00 or above
Features:
Internet Banking
Special consideration in Consumer Loan processing fee
Monthly Statements
VISA Debit Card valid in Nepal and India.

50 Plus Savings
As the name suggests, this saving account is targeted to all the individuals of 50 years
and above. Interest rate is calculated on daily balance and provided on quarterly basis.
There are attractive features associated with this account like 25% discount on locker,
ATM debit card, Internet/ Mobile banking facilities, etc.

Account Opening:

Minimum balance of 1,000.0

Features :
Quarterly Interest Payable
Internet/ Mobile Banking Facility
 25% discount on Locker Charge
No restrictions on deposit or withdrawal
VISA Debit Card valid in Nepal and India
Terms & Conditions :
Individuals above the age of 50 will only be eligible
Interest will be payable on daily balance
Locker facility is provided as per availability on "First Come - First Serve"
basis

Subha Laxmi Saving

This saving account is especially designed for the women of 16 years and
above. Attractive interest rate on daily balance is provided to encourage saving
habit. Besides, other features like 50% discount in locker, ATM debit card,
accidental death insurance and internet/ mobile banking facilities are also
offered to the customers.
A/C Opening:

Minimum balance of Rs. 1,000.00

Features:

Quarterly Interest Payable

VISA Debit Card valid in Nepal and India
50% discount on Locker
Free Accidental death insurance up to NPR. 100,000.00 per year
Internet / Mobile Banking facility

Terms and Conditions:

Interest will be paid on daily balance

The locker facility will be provided as per availability on "First Come - First
Serve" basis
A minimum balance of NPR. 100,000.00 must be maintained to be eligible for
the accidental death insurance, locker and consumer loan facilities
The accidental death insurance will be applicable as per the insurance policy
guideline
 Twinkle Star Saving

Twinkle Star Savings is a saving account targeted to the children 16 years and
below. This is an ideal account for children to instill saving habit from a very
young age. Account holders are offered interest on daily balance. Children
receive special gifts at the time of account opening with Kumari Bank and are
eligible for special discounts on education loan as per the banks rule.
A/C Opening:
Minimum balance of Rs.1,000.00

Features:
Quarterly Interest Payable
Cheque book and Account Statement - Free
VISA Debit Card valid in Nepal and India
Mobile Banking facility
Internet Banking facility
Evening Counter, 365 Days Banking
NTC and NCELL postpaid, ADSL, PSTN bill payment service from KBL
Counters, Kumari Mobile Banking and Internet Banking
Special consideration in Education Loan processing fees after the age of 18
No restrictions on deposit and withdrawal

Terms & Conditions:

Interest will be accrued on daily balance

 Children under the age of 16 are only eligible
Account holder will be qualified for special Education Loan only after the age
of 18

Kumari Remit Bachat Khata

Kumari Remit Bachat Khata is a saving deposit product targeted to the

migrant workers and their relatives. It is a service via which the account
holders can send their hard earned money in a safe and secured way in their
account and also send payment request to the bank for the payment of fund to
the beneficiary (his/ her relative) against ID details.
A/c Opening:
Minimum balance of Zero.
Features:
Account Statement - No Charge
No Ledger Fees
VISA Debit Card valid in Nepal and India
Internet Banking service fee as per STC
Mobile Banking service fee as per STC
Anywhere Branch Banking Service: Free
Evening Counter - Available at Main Branch, New Road, Gongabu and
Butwal branches
365 Days Banking
Balance Certificate - Eligible for 25% discount on standard bank charges
Home loan/ Education loan/ Auto loan/ Personal loan - 50% Discount on
Processing fee or as decided by the management from time to time.
 Kumari Flexi-Fix Scheme

This deposit is not available on Dhangadhi branch .Kumari Flexi-Fix Scheme

is specially designed based on hybrid concept of flexi-fix mechanism to attract
retail deposits. The customer will be able to receive facilities of a saving
deposit type and earn interest similar to that of fixed deposit type. The scheme
is based on standing order whereby a condition is applied for those applying
for the scheme. The product carries special features such as:

Key Benefits:
Facility of saving account and interest rate of Fixed Deposit account
Terms and Conditions:
Rate of Interest and Minimum balance in Saving account: At par with
respective Savings Account.
Rate of Interest in Fixed Deposit account will be published by the bank on
floating basis.
A sum of stipulated amount needs to be available at all times in saving account
as well as Fixed Deposit account.
If the available balance falls short of required amount in saving account, fund
will sweep from Fixed Deposit account but only in excess of the stipulated
fixed amount in the fixed deposit.
Similarly, any excess fund from saving account above the available balance
will sweep to fixed deposit at a higher rate.
The amount in saving account can be withdrawn through cheque or ATM
however, if the amount goes below the stipulated balance in saving account
then ATM service may not be available.
Upon FD maturity, the balance will get transferred in saving account which
can be renewed upon request from the customer.
The scheme is time bounded and can be renewed upon customers request.
The interest capitalized in FD to be credited in saving account.
Account closing charge in saving account to be at par with Standard Tariff and
Charges as published by the bank and Fixed Deposit (Flexi-Fix Scheme)
closing charge to be as per banks rules.
 Rate of Interest is market driven and hence subject to change.

Kumari Swastha Jeevan Bachat Khata

Kumari Swastha Jeevan Bachat Khata (KSJBK) is a saving deposit product being
introduced to promote saving habit and good health amongst the people. This
product is being introduced with value addition of medical benefits along with
modern banking services for a differentiation.

A/c Opening:
Minimum Balance of NPR 5,000.00 only.
Key Benefits:
Privileged co-branded card
Medical Insurance coverage up to NPR 10,000.00 to Swastha Jeevan
Accountholders only
Cheque book Free
Account statement Free
Free Internet Banking service
50% discount in KBL Mobile banking and SMS alert facility
Anywhere Branch Banking Service Free
Account Balance Certificate Free for 1 time
50% discount in Locker margin
25% discount in Locker annual charge
No account closure charges
Evening Counter/ Holiday banking
365 Days Banking
General services of the Bank
Concessional rate of interest in consumer loans (Personal/ Home/ Auto) as
decided by the authority at the time of loan application
Discounted rate on consumer loan administrative fees (Personal/ Home/ Auto)
as decided by the authority at the time of loan application.
Medanta Shall:
 Offer flat discount of 5% on the actual sum spent on medical services made
available to KBL customers in the case where payment is made by co-branded
ATM card on POS machines. The discount is not available on cash payment.
15% waiver on premium to Nepalese Patients.

Tie-up with Local Hospitals:

Recently, the Bank has tie-up with different local hospitals, namely:
Norvic International Hospital Pvt.Ltd.
Vayodha Hospital Pvt. Ltd.
Grande International Hospital Pvt. Ltd.
Chirayu National Hospital & Medical Institute Pvt. Ltd.
Alka Hospital Pvt. Ltd.
K - Lab (Krown Laboratory & Referral Center)
Vivanta Dental Pvt. Ltd.

Kumari Salary Saving Account

Kumari Salary Saving Account (KSSA) is a saving product specially designed

for individuals with regular income (salaried people). The product focuses on
making the product hassle free, easy, affordable and yet benefiting individual
KSS accountholder NPR High interest rate and attractive banking service
package are the key benefits provided in this product.
Account Opening:
Minimum balance of NPR. 1,000.00 (in case of Check book)
Features:
Accounts can be opened with ZERO account balance. However, to avail check
books the KSS Accountholders shall agree to maintain minimum balance of
NPR. 1,000 (for checking facilities).
Cheque book - FREE
Account statement - FREE
FREE Internet Banking service
50% discount in KBL Mobile banking and SMS alert facility
Anywhere Branch Banking Service FREE
Account Balance Certificate FREE for 1 time
50% discount in Locker margin
25% discount in Locker annual charge
 No account closure charges
Evening Counter/ Holiday banking
365 Days Banking
Concessional rate of interest in consumer loans (Personal/ Home/ Auto) as
decided by the authority at the time of loan application
Discounted rate on consumer loan administrative fees (Personal/ Home/ Auto)
as decided by the authority at the time of loan

Table 1.4.2 Saving Deposit of KBL

Saving Deposit (% per annum) Interest Rates (%)

FCY Saving Account Up To 1.5
Kumari Smart Bachat Khata 6.10
Kumari Swastha Jevan Bachat Khata 7.00
Kumari Savings 6.10
Kumari Salary Saving 6.10
Kumari Big Saving Khata 6.50
Kumara Remit Bachat Khata 6.10

Subha Laxmi Bachat 6.10

Shareholders Saving Account 6.10
Twinkle Star Saving 6.10
50 Plus Saving 6.10
Source:www.kumaribank.com
 Loans
The need for financing various short term and long term venture of both
corporate and retail clients has been best fulfilled by the bank with its
large loan product portfolio. The various kinds of loans provided by the
bank are:

Short Term Loan

KBL finance capital expenditures of Small / Medium / Large-scale companies
in the form of Term Loan for periods less than 1 year.

Hire Purchase Loan

Purchase of office equipment, vehicles, machinery etc is possible through our
Hire Purchase Schemes.

Vehicle Loan:
KBL finance up to 80% of the cost of the vehicle that is new or will be less
than 7 years old at the time of final maturity of the loan. KBL need is proof of
income and/or reference/guarantee from customer employer/individual
acceptable to us.
Depending on customer income and the car customer choose to buy, a loan of
NPR 300,000.00 to NPR 5,000,000.00 can be availed of at a very competitive
rate of interest. Repayments are calculated on an Equal Monthly Installment
(EMI) basis that goes easy on customer monthly budget. And the tenor is kept
flexible to suit customer need: customer can take a minimum of 12 months or
a maximum of 60 months to repay. Customer also has an option of prepaying
loan and all customers will be charged is a low 1% on the outstanding amount.
So, if customer are 25 years (or more) of age or have been in business for at
 least 2 years, can go to nearest office and get an auto loan approved for a
nominal processing fee. KBL guarantee a decision on customer application
within 48 hours of receipt of customer completed application.KBL credit &
marketing officers will be pleased to provide further information

Terms & Conditions

Registration of the vehicle will be in the Bank's name

Bank reserves the right to call for additional Registered Mortgage over land
and / or building.
First Repayment Date is from the subsequent month of initial drawdown
Repayment is to be made in Equal Monthly Installments (Interest +
Borrowings) which will not exceed 50% of the borrowers monthly earnings.

Home Loan:

KBL finance up to 60% of the cost of the purchase/construction/renovation of

land/house within municipal boundaries. All KBL need is proof of customer
income and/or reference/guarantee from customer employer/individual
acceptable to KBL.
Depending on customer income and customer need, a loan of NPR 500,000.00
to NPR 4,000,000.00 can be availed of at a very competitive rate of interest.
Repayments are calculated on an Equal Monthly Installment (EMI) basis that
goes easy on customer monthly budget.
And the tenor is kept flexible to suit customer need: customer can take a
minimum of 12 months or a maximum of 120 months to repay. customer also
have an option of prepaying customer loan and all you will be charged is a
low 1% on the outstanding amount. KBL guarantee a decision on customer
application within 48 hours of receipt of customer completed application.KBL
credit & marketing officers will be pleased to provide further information.
 Terms & Conditions
Property being mortgaged should be located within municipal boundaries of
Kathmandu Valley and in other residential / commercial sector of developing
areas within 40 KMs from the heart of Kathmandu (Hanuman Dhoka) like
Godavari, Nagarkot, Bhaktapur, Dhulikhel, Kakani etc and must have
motorable access.
As security, the Bank shall have the First Legal Mortgage on freehold property
(land + building) valued by Bank's approved value with extended value
(Distress value as valued by the Bank's value) not less than the 100% of
financed amount.
Bank reserves the right to call for additional Registered Mortgage over land
and / or building.
First drawdown is allowed only after injection of investment portion of the
Borrowers is confirmed and subsequent drawdown is in phase-wise manner
upon receipt of application from the Borrowers with details of estimated costs
and confirmation of the Bank's value of utilization of previously drawn
amount.
First Repayment Date is from the subsequent month of initial drawdown in
case of ready built houses / refinance of owned houses while a moratorium
period of six months will be provided in case of construction / renovation or
expansion.
Repayment is to be made in Equal Monthly Installments (Interest +
Borrowings) which will not exceed 50% of the borrowers net monthly
earnings. Monthly net savings in case of Self-employed individuals must be 5
times of EMI.
Property being mortgaged should be insured against fire, earthquake, flood etc
with a banker's clause.
 Consumer Product Financing:
KBL help finance a range of consumer durables and household equipments
like televisions, furniture, personal computers, music systems, air conditioner,
microwave ovens, refrigerator, washing machines, etc. KBL finance up to 70%
of the cost of a range of consumer products. KBL need is proof of consumer
income and/or reference/guarantee from customer employer/individual
acceptable to KBL.
And the tenor is kept flexible to suit customer need: customer can take 12 to
24 months to repay. Customer also has an option of prepaying customer loan
and all customers will be charged is a low 1% on the outstanding amount.KBL
credit & marketing officers will be pleased to provide further information.

Terms & Conditions

Monthly net savings in case of self-employed individuals must be 5
times of EMI.
Repayment period not to exceed Borrowers balance / tenor of service
up to retirement in case of Employees / Salaried Employees
As security, Hypothecation of assets financed in bank's name is needed
and personal guarantee of employer in case of salaried individuals.
Assets being hypothecated should be insured against theft, fire,
earthquake, flood etc with a banker's clause.
Repayment is to be made in Equal Monthly Installments (interest +
principal) not to exceed 75% of borrowers net income in case Salaried
/ Self Employed Individuals.
A processing fee of 1% will be charged on the Financed Amount.

Education Loan:

KBL finance up to 60% of the cost of tuition and admission.

All KBL need is proof of customer income and/or reference/guarantee from
customer employer/individual acceptable to KBL.
 Depending on customer income and customer need, a loan of NPR 150,000.00 to
NPR 800,000.00 can be availed of at a very competitive rate of interest.
Repayments are calculated on an Equal Monthly Installment (EMI) basis that goes
easy on customer monthly budget. And the tenor is kept flexible to suit customer
need: customer can take a minimum of 12 months or a maximum of 60 months to
repay. customer also have an option of prepaying customer loan and all you will
be charged is a low 1% on the outstanding amount.KBL credit & marketing
officers will be pleased to provide further information.

Terms & Conditions

Registered Mortgage over land and building within municipal boundaries.
Property being mortgaged should be located within municipal boundaries and
must have a motor able access.
Monthly net savings in case of self-employed individuals must be 5 times of
EMI.
Repayment period not to exceed Borrowers balance / tenor of service upto
retirement in case of Employees / Salaried Employees
Repayment is to be made in Equal Monthly Installments (interest + principal)
not to exceed 75% of borrowers net income in case Salaried / Self Employed
Individuals.
A processing fee of 1% will be charged on the Financed Amount.

Travel Loan:
This service of Kumari bank is not available in Dhangadhi Branch.KBL finance up
to 70% of the cost of ticket and tour expenses.
All KBL need is proof of customer income and/or reference/guarantee from customer
employer/individual acceptable to us. Depending on customer income and customer
need, a loan of NPR 50,000.00 to NPR 300,000.00 can be availed of at a very
competitive rate of interest. Repayments are calculated on an Equal Monthly
Installment (EMI) basis that goes easy on customer monthly budget.
Customers can repay the loan over a period of 12 months. Customers also have an
option of prepaying customer loan and all Customers will be charged is a low 1% on
the outstanding amount. So, if Customers are 25 years (or more) of age or have been
in business for at least 2 years and are looking for options for traveling, walk in to
KBL nearest office and get a travel loan approved for a nominal processing fee. KBL
guarantee a decision on customer application within 48 hours of receipt of customer
completed application.KBL credit & marketing officers will be pleased to provide
further information.

Terms & Conditions

Corporate Guarantee of business houses in case of business executives.
Monthly net savings in case of self-employed individuals must be 5 times of
EMI.
Repayment period not to exceed borrowers balance / tenor of service up to
retirement in case of Employees / Salaried Employees
Repayment is to be made in Equal Monthly Installments (interest + principal)
not to exceed 75% of borrowers net income in case Salaried / Self Employed
Individuals.
A processing fee of 1% will be charged on the Financed Amount

Loan Syndication
This service is not available in Dhangadhi branch. If customer credit need is a large
one, KBL arrange Loan Syndication by involving other banks with which KBL have
working relationships.

Table 1.4.3: Loan provision of KBL

LENDING (% Per annum) Interest Rates
LENDING (% Per annu
Term Loan Corporate/Multinational 10.00-13.00
Industry/Trading 11.00-14.00
Export Credit 9.00-11.00
Overdraft Corporate/Multinational 9.00-12.00
Industry/ Trading 10.00-14.00
Deprived Sector Wholesale Lending 3.00-11.00
Direct Lending 10.00-14.00
Education Loan 11.00-14.00
Auto Loan 10.00-14.00
Loan Against Deposit of KBL FD Rate + 2% Minimum 12%
Source: www.kumaribank.com

1.4.4 Services of KBL

Need centered products are the KBL product is basic business philosophy. The
bank has been continuously identifying customer changing needs and preferences,
designing and offering need centered augmented product and services that has
met or even exceeded customers expectation. The innovative products of the
bank has not only added extra value and provided high level of satisfaction to the
customers but also produced desire on customer to be associated with the banks
future innovation. The bank perceives product differentiation and service
excellence as an opportunity to prove superior to competitors, and has been
successful in the past and is the source of inspiration to go ahead.

Cash Withdrawal
Mini Transaction Report
Mini Statement Prints
 Balance Enquiry
Payment for purchase of goods/ services at the merchant locations
(through POS)
Personal Identification Number (PIN) change

Kumari Internet Banking

The first ever commercial bank in the country to provide 'Internet Banking
service" to its customers. This service has allowed the bank to streamline the
services it offers to customers. It allows customers the flexibility to take
control of banking activities via the internet. Further it has enabled core
customers to transact with us from any corner of the world and made their job
simpler.

Access Customers accounts, 24 hours a day, 7 days a week

Transfer funds within a group
Make payment of Nepal Telecom bills
Online shopping

Kumari SMS Banking

Kumari bank is the first bank in the history of Nepal to start a mobile
banking service. The bank has facilitated this service to customers with the
sole objective of being an additional channel with a crucial role of responding
to their inquiries and transactional information via SMS messaging. Annual
service charge for Kumari Mobile Banking: Rs. 250.00 per year per account/
mobile number.
The service will be renewed automatically every year.
Balance Enquiry
Transaction notification
Foreign Exchange Rate Enquiry
Account Statement Request

Inward Remittance
 Remittance is one of the major incomes generating service of banks.
Remittance service of the bank is beneficial both to the business and personal
customers as it make the transfer of money easier. It covers large percentage of
its national income. It facilitates the sending and receiving funds to/from
various places. It can also promote access to financial services for the sender
and beneficiary increasing financial and social inclusion. Kumari Bank offers
number of remittance products to furnish the customer need for transferring
their money in and out of the country through:
Kumari Remit
Prabhu Money Transfer
Himal Remit
Prithivi Remit
City Express Money Transfer
Reliable Development Remit
IME Remit
Money Gram

Any Branch Banking Services (ABBS)

Kumari Bank has Any Branch Banking System to facilitate its customers to
have easy transaction. As KBL, for the solutions of endless long procedure,
rush hour traffic, long queues, risk of carrying huge sums of money to the
bank, wanted to take out money from Customers account but to make the
service more reliable bank introduced the convenient service. The customers
can withdraw or deposit cash, receive information about the balance of their
account or obtain a statements of accounts is convenient from any branch. The
network is online and one can have access to his/her account from any of the
branches of the bank.
 Source: www.kumaribank.com

Foreign Currency Transaction

Kumari has been providing following Foreign Currency Transaction
Foreign Currency Deposits
Current
Saving
Fixed Deposit Account
Cash Sale/ Purchase
SWIFT / Telegraphic Transfer
Cross Currency Transaction

Kumari Utility Payment

NTC Post-Paid Payment
NTC PSTN Payment
ADSL Payment
Customer can make a payment to Nepal Telecom for NTC Post-paid payment and can
make a payment by filling a deposit receipt form and deposit the amount in any of the
branch counters. This service is charged only with Rs.250 per year.

ATM/Debit Cards
KBL Debit Card allows holders to withdraw cash, inquire balances and make
payments through a wide network ATMs and merchant outlets of VISA in Nepal and
India.

Types of ATM Number OF Cards

Debit Visa Electron Card 2500
Credit Card 0

Source: www.kumaribank.com

1.5 Organizational Design and Structure

This is organizational structure of Kumari Bank Limited, Dhangadhi Branch. Branch

manager is head of the organization. He supervises the employees and takes major
decision. Credit head deals with the loan customers and do documentation. The ready
file is signed by credit officer & branch manager and send to the head office for the
approval. Operation department includes CSD and Teller department. CSD
department deals with the customers perform task of cheque clearing, remittance etc.
Teller department helps customer to deposit and withdraw cash from bank. Operation
head control and supervise CSD and Teller staffs of the organization. Since it is
branch office, all the staffs work with cooperation helping each other.

Figure 1.5.1 : Organizational Structure of KBL (Dhangadhi Branch)

 Table 1.5.2: Board of Directors

Board of Directors Designation

1 Mr. Santosh Kumar Lam Chairman (Promoter Group)

.

2 Dr. Shobha Kant Dhakal Director (Promoter Group)

.

3 Mr. Naresh Dugar Director (Promoter Group)

.

4 Mr. Binod Dabadi Director (Promoter Group)

.

5 Mr. Uttam Prasad Bhattarai Director (Promoter Group)

.

6 Mr. Puna Ram Bhandari Director (Public Group)

.

Source: www.kumaribank.com

Table 1.5.3: Management committee

Management committee Designation

1 Mr. Rajib Giri Chief executive officer
2 Mr. Angir Man Singh Chief Risk Officer

3 Mr. Rameshwar Sharma Aryal Chief Operating Officer

4 Mr. Rajesh Shrestha Chief Marketing Officer

Source: www.kumaribank.com
Table 1.5.4 Employees in Kumari Bank of Ltd Dhangadhi Branch
S.N. Name of Employees Designation

1. Mr. Khagendra Kumar Saud Acting Branch Manager ( Officer)

2. Mrs. Sunita Bhatta Operation In charge (Supervisor)

3. Mr. Dharmananda Bhatta Assistant Relationship Manager (Assistant)

4. Mr. Govinda Paneru Teller (Assistant)

5. Mr. Sher Bdr Saud Messenger

6. Mr.Somal Kumar Chaudhary Driver (Outsourced)

Source:-KBL Dhangadhi Branch

1.6 Financial Structure

Financial Structure refers to the way the firms assets are financed with. It refers
to the entire liabilities side of the balance sheet. So financial structure is the
amount of total current liabilities, long term debt, preferred stock, and the
common equity used to finance a firm. Banks activities are KBLighted in terms
of risk and return in light of capital requirement. Bank has established a culture
whereby return on capital needs to be justified in light of risk involved in each
investing and operating activities. In order to access the adequacy of capital, all
major risks like credit, liquidity etc. are identified, measured and reported on
periodic basis. These are monitored by the banks board and senior management
periodically in addition to the monthly review of annual audit of the bank.
 Table 1.6.1: Core Capital and its components

Particulars Current Year NPR Previous Year NPR

Paid up Capital 2,699,166,532 2,699,166,532
Statutory General Reserves 546,371,157 467,413,482
Retained Earnings 13,394 26,270
Profit/Loss 394,788,376 341,654,966
Core Capital 3,214,663 2,926,215
Source: www.kumaribank.com

Table 1.6.2: Supplementary Capital and its components

Particulars Current Year NPR Previous Year NPR

General Loan Loss Provision 267,055 218,902
Exchange Equalization Reserves 267,055 218,902
Investment Adjustment Reserve - 11,000,000
Supplementary Capital 311,027 259,293
Source: www.kumaribank.com

Table 1.6.3: Total Qualifying Capital

Particulars Current Year NPR Previous Year NPR

Core Capital 3,214,663 2,926,215
Supplementary Capital 311,027 259,293
Total Qualifying Capital 3525690 3185508
Source:www.kumaribank.com
Therefore, the total capital fund along with profit and retained earnings has been
increased in the current year as compared to the previous year. The institute has
increased its position in the market.

1.7 Ownership structure

 Ownership structure refers to the composition of the owners capital in the share
capital. It generally comprises of contribution from the promoter shareholders,
general public, institutional ownership and sometimes contribution from the
government as KBL. The ownership contribution of the KBL comprises
contribution from the promoter shareholders and the general public. Promoter
shareholders hold 51% of the paid up capital and the rest 49%is from the general
public. The authorized capital of the KBL is Rs. 5 billion

Table 1.7.1: Ownership Structure of Kumari Bank Limited

Details Current Year NPR

Issued and Paid Up 2,699,166,532
Capital
Promoters (51%) 1376574931.32
General Public (49%) 1322591600.68
Source: www.kumaribank.com
As shown in table 1.7.1 the ownership of the KBL is hold by the promoters and
the general public. Out of the total issues and paid up capital, 51% of capital is
contributed from the promoter shareholders and the rest 49% is held by the general
public. The shareholder composition of the KBL for the fiscal year 2014\15 is
presented in figure1.7.2 below.

Figure 1.7.2: Shareholding Pattern

 Shareholders compostion

Source: Kumari Bank Ltd., Annual Report 2014/15

The figure 17.2 shows the shareholding pattern of Kumari bank that states 51 percent
promoters and 49 percent public. It means that the promoter have high authority and
right then public. KBL can say that the promoter have the control over the
management, they have right to declare the B.O.D and other decision.

1.8 Organization Performance

KBL has been successful to capture major market and customer in its sixteen year of
journey since its establishment. The issued capital of the bank is around NPR
2,699,166,532 out of which NPR 1376574931.32 has already been paid by the
promoters and NPR1322591600.68 is issued to the general public. KBL is A grade
bank that has been recently upgraded. It is governed by the experienced bankers and
professionals. It main focuses in providing customer satisfaction by offering various
products and services including saving, fixed, call deposits, consumer and business
loans, investment banking, etc. KBL comprises highly motivated staffs who are
customer centered. This has been successful for being 16th in position conducted on
survey by Central Bank.
The brief highlights of the financial position of the bank as per the audit report
2014/2015 is:

Table 1.8.1: Financial Achievements of Kumari Bank Limited

Source: www.kumaribank.com.

CHAPTER II
 JOB PROFILE AND ACTIVITIES PERFORMED

2.1 Activities performed in the organization

In KBL I worked in two different departments i.e. CSD and remittances. As a service
oriented company the major responsibilities KBLre to give better services to the
clients promptly on their demand. I was mainly given the responsibility of service
related issues under the supervision of the respective officers. In the period of my
internship I helped the organization by sharing the workload of the respective officers.
The working environment was very comfortable to work in with friendly staffs which
made the work easier. The major responsibilities given to me are as follows:

Opening an account

Closing an account

Issuance of cheque book and ATM

Remittance department

ECC department

Others

Opening an account

The first thing I had to know was about the criteria of opening the account of a new
customer. The responsibility of the customer service starts with opening of new
account of the new customer informing them about the facilities available in the
organization. I learnt about the documents required to open a new account. By
opening an account bank bridge its customers to avail the facilities provided by the
bank.
Closing of an account

I also had the responsibility to close the account of the customers who wants to close
his/her account in the bank following the procedure strictly. The procedure for it was:

Need of the written application by the account holder

Return of the cheque book and the ATM provided to the customer

Calculate the required charges according to the type of the account opened

Return of the rest amount to the respective customer

Finally it is updated in the system and the form is filed in closed account file.

Issuance of cheque book and ATM

The cheque book and ATM had its own respective register which was required to be
mentioned along with the signature of the customer in the register. Before printing the
cheque book, requisition should be completed containing title of account type, a/c
number, number of leaves to be printed and signature of the a/c holder. Signature of
the holder is verified on the requisition. In case of holders inability to collect cheque
book than he can give authority to the third person to collect the cheque book on his
behalf only by signing on the requisition but it is not same in the case of ATM. The
a/c holder must be present to collect it. The cheque book and ATM are registered in
the long book or register mentioning all the essential information along with the
stamp and signature of the authorized person.
Remittance department

The work that I was assigned in this department was that of paying out the customers
money that may be from local or international and also to send the local remit from
Dhangadhi to other places. There are many remits such as Himal, IME, City, and
many more but main remit used is Kumari Remit for receiving or sending out the
money. For paying out the remittance the number brought by the customer is entered
in the respective page of the remit and the names are verified through the original
government id and the print is taken out. The stamp of the bank and the authorized
signature is made and finally the customer receives the money from teller.

ECC department

I feel lucky that I could have the idea of newly emerged technology of Electronic
Cheque Clearing (ECC). It is the new process of clearing the cheque of the other
banks brought by the clients of KBL. Before ECC the particular staff was required to
go to the clearing house i.e. NRB for clearance of cheque but ECC has avoided it and
made work of employees more flexible. The supervisor made me capable to handle
the cheques for clearing. I was assigned to do ECC in the absence of the respective
officer. For clearing cheque at first the appropriate stamps are required with
authorized signature and it is scanned through cheque scanner.

Maintenance of reconciliation

Reconciliation is the settlement of the things that may be cheques, ATM cards or PIN
on the daily basis. I also learnt to make the reconciliation at the day end. It consist of
opening balance, no. of cheque printed and delivered, no. of ATM card received and
delivered, no. of PIN received and delivered and finally closing balance. The print is
taken out and is signed by two authorized officers for approval.
 Other activities performed

Helping customers to fill up the forms or vouchers

Receiving phone calls

Cheque/statement printing and scanning

Answering to the customers queries

Checking balance or a/c number of the clients

Filing documents

Updating KYC

Preparing register of petty cash

2.2 Problem Identification

Problems and organization are non-detachable terms. In performing day to day
activities of the organization, one needs to tackle with various problems and
challenges. While dealing with such problems, appropriate managerial skills need to
be used to solve the problem in the effective and efficient way. During the internship
period, the following problems were identified.

Problems related to the misunderstanding of the customers:

Problem-related to the change of rules and regulations:
Problems related to the service provided and mistakes done by the other
employees:
Problems related to the mistakes due to the error in the system:
Problems related to the nonfunctioning of various services:
Problems related to the non-clarity of information

2.3 Problems solved

The internship period I did was short which was not enough for learning everything
we need to. Though it was short but I tried my best to take the optimum advantage of
this period to know the things to its surface in every department. The staffs were not
able to guide sometimes as they used to get busy with their work and at those times I
could not get the answers of my queries that I had. Being the part of bank as intern I
cannot open up everything I know about the bank due to the oath of secrecy and
confidentiality. I was given the chance to work in CSD and load department of the
bank. I tried to solve the basic problems of the customers and others as well when
other staffs were busy:

Addressing the customers queries.

Giving details of the available services to the customers for their flexibility.

Filling up the account opening forms, vouchers or forms for remittance.

Solving problems related to ATM or PIN.

Problems related to reconciliation.

Handling the problems faced by customers.

2.4 Interns Key Observation

Kumari bank is operating in the society to make the people easily access to the
banking world. It has widened the area of its operation by opening the branches
aiming to reach every people in the country. The investments made by banks are also
in safe hands and the profits have been increasing year by year.

It was a great experience to be a part of KBL and work as an intern. The seniors of the
institution were very helpful and were always ready to impart their knowledge and
solve the queries at their easy time. It is also introducing new products to attract more
customers. The major thing that the customers appreciate is about the service of ATM
which does not charge customers for withdrawing money from any terminals of any
bank.
The things that I was able to observe in this bank are as mentioned below:

Laborious, helpful and cooperative members.

Most of the customers are satisfied with the services provided.

Good return to the shareholders.

On time disbursement of loans.

Involved in social activities

Quick remittance from any remit.

2.4.1. Know Your Customers (KYC):
Nepal Rastra Bank (NRB) has advised banks to follow a 'KYC guidelines', wherein
certain personal information of the account-opening prospect or the customer is
obtained. The objective of obtaining KYC information is to enable the Bank to have
true identification of its customers. This is also in the interest of customers to
safeguard their hard earned money. The identification of a customer is a very critical
process with a view to protect the customer interests by preventing from fraudsters
who may use the name, address and forge signature to undertake illegal business
activities, encashment of stolen drafts, cheques, dividend warrants, etc. This also
helps to safeguard banks from being unsuspectingly used for the transfer of deposit of
funds derived from criminal activity or for financing terrorism. Identification of
customers will also help to control financial frauds, identify money laundering and
suspicious activities, and for scrutiny / monitoring of large value cash
transactions. Money Laundering refers to conversion of money illegally obtained to
make it appear as if it was earned from a legitimate source. Money laundering is being
employed by launderers worldwide to conceal criminal activity associated with it such
as drugs / arms trafficking, human trafficking, terrorism and extortion. All crimes that
produce a financial benefit give rise to money laundering.

2.4.2. Information Technology (IT):

IT has helped the banking industry to deal with the challenges the

new economy poses. More than most other industries, financial

institutions rely on gathering, processing, analysing, and

providing information in order to meet the needs of customers.

Given the importance of information in banking, it is not

surprising that banks were among the earliest adopters of

automated information processing technology. Technology has

opened up new markets, new products, new services and efficient

delivery channels for the banking industry. Online electronics

banking, mobile banking and internet banking are just a few

examples. The adoption of modern Globus Software, developed by Temenos NV,

Switzerland and arrangement of centralized data base system enables customer to
make highly secured transactions in any branch regardless of having account with
particular branch.

2.4.3. Tools of Current Monetary Policy:

Monetary policy impacts the economy and the price level through various channels.
The process by which monetary policy decisions are transmitted to the real economy
is called the monetary policy transmission mechanism. This (long) chain of cause and
effect linking monetary policy decisions with the price level starts with a change in
the official interest rates set by a central bank on its own monetary policy operations.
By changing its key interest rates, a central bank exercises major influence on the
money market and may steer the prevailing money market rates. Changes in these
rates, in turn, impact on other (longer-term) interest rates.
Reserve requirement are the portions of deposits that banks must hold in cash,
either in their vaults or on deposit at a central bank. A decrease in reserve
requirement is expansionary because it increases the funds available in the
banking system to lend to consumers & businesses. An increase in reserve
requirements is contractionary because it reduces the funds available in the
banking system to lend to consumers & businesses.
 Source:www.nrb.org.np
The discount rate is the interest rate central bank charge commercial banks for
short-term loans. Lowering discount rate is expansionary because the discount
rate influences other interest rates. Lower interest rates encourage lending
&spending by consumers & businesses. Likewise the raising the discount rate
influences other interest rates. Higher rates discourage lending & spending by
consumers & businesses.

The open market operation refers to the purchase or sale of short & long term
market securities by the central bank. Under inflationary situation, the central

Bank sells the securities. On the other hand, it buys securities to address the
deflationary situation.

Credit rationing, under this the central bank fixes credit amount to be lent by
banks. Credit is rationed by limiting the amount available for each bank or
fixing the upper limit of credit. According to NRB the CCD ratio is 80% and
20% mandatory lending for the commercial banks to the productive sector
among them the minimum 12% of the productive sector lending on agriculture
and energy sector to 15%.
- BFIS will have to allocate at least 1% of their profit for corporate social
responsibility(CSR)
- BFIS will have to allocate at least 3% of staff expenses for training and
capacity development.
- BIFS not required to get permit from the NRB to open branch in area
except inside metropolitan, sub-metropolitan & municipality.

2.4.4 Capital Plan

Table 2.4.4: NRB policy of Kumari bank (8 Arab)

Source: www.kumaribank.com
As per Monetary Policy 2072/73, Commercial Banks need to increase their capital
to Rs 8 Arab by the end of Ashad of the Fiscal Year 2074. If the current merger
process goes as planned, the paid-up capital of the merged entity will reach Rs
8.21 Arab.
 CHAPTER III

LESSONS LEARNT AND FEEDBACK

3.1 Key skills and attitudes learnt

The internship period was very fruitful which shows the face of real life job
experience. I felt it to be quite effective to enter in the world of banking institutions.
The internship period has taught me how KBL can implement the theoretical
knowledge in our practical life. I too felt on- the-job training that KBL faced more
profitable and practical rather than off-the-job training only which is monotonous and
forgetful. KBL learnt interpersonal skill, communicational skill and technical skill that
helped me to build my knowledge in a broad way. The interpersonal skills helped us
to interact with the various types of customers and their various problems. The
negotiation skills also got increased developing the softness and being more formal
while communicating with the people or clients. The positive attitude also got
developed while dealing with different nature of customers. The importance of a
friendly environment that makes working place even better and enjoyable giving all
the members an opportunity to know each other and share the ideas they might have
despite a hierarchy. Learnt about general activities that are performed in customer
service department like opening of account, closing of account, issuing of statements
to the customer, filing, recording, etc. Able to handle problems and queries related to
walk-in and existing customers. Learnt how to deal with customers, senior staff
members and co-internees KBL also learnt the technical skills to operate computer
system, ATM machine, photocopy machine, fax machine, scanner, printer, ECC
scanner and many more. There must be a two way effective communication with the
customers so as to satisfy them with the services. Therefore all these skills are gained
through internship which motivated for the better performance with developed
personality. Interns were told timely to manage resources as much as they can because
the more the resource saved the more efficient the organization becomes. The birth of
professional is directly proportional to saving of resources and energy which was yet
another topic that was learnt during the time duration of internship. Saving resources
not only means saving of physical properties but also saving of time. Communication
with the related officer and customers was the major target but within limited time but
giving out the best information with positivity. Communication is the major tool that
makes target come closer with more benefits during the journey. Not only
communication skills were learnt but the best communication means were used to
flow information within the organization be it printing in a network or simple flow of
information within organization using telephones. From opening accounts of
customers in different schemes to providing information about different schemes and
analytically determining which scheme best matches their requirement, various skills
were developed along with feel of social responsibility were developed.

3.2 Feedbacks to the organization

The organization is well enough but there are some drawbacks as nothing can be
perfect. So here is swot analysis of Kumari Bank recover the limited drawbacks and
to make it better and accessible:

3.2.1 SWOT Analysis

A SWOT Analysis provides a comprehensive insight into the company. SWOT

Analysis is a useful technique for understanding company Strengths and Weaknesses,
and for identifying both the Opportunities open to company and the Threats company
face.

Strenght

Innovation

Loyal customers

Reduced labor cost

Existing distribution and sales networks

High profitability and revenue

Weakness

Future Profitability

Competitive Market

Changing Strategy Of Stakeholder

No advertisement on media
 Threat

Government regulations

Tax Changes

Increasing Costs

External Business Risks

Increase In Micro Finance

Opportunity

New Acquisition

Growing Economy

New Markets

Venture capital

Global Market

Growing Demand

By analyzing the swot analysis here is my some feedback towards the

organization

Increase the advertising media and change the hording board making it
noticeable and attractive.

To extend its branches to the remote areas to mobilize the resources.

 Increasing investment towards the new emerging business as per the present
scenario of the state.

Enhancing the ergonomics for the staffs and providing them better working
environment reducing the pressures.

Increasing effective trainings to the staffs for professionals development so

than they can enhance their efficiency towards the customers and their works.

Various programs to be conducted so as to attract more people towards the

banking services and its facilities.

3.3 Feedback to the College

The university can incorporate the internship program with a longer time
period so that it would help to boost the skills of student and may provide
them with more learning opportunities.

The university can be suggested to focus more on on-the-job training then

theory classes.

The college can be suggested to design the courses which will make the
student more updated with the latest technology.

College should try to promote the strength of the student and the course they
are providing to the students so that the internee are assigned intern as per
their capability and strength.
REFERENCE

American Psychological Association (APA) Style

. Joshi, s. (2010). Principle of Economics .Kathmandu: Buddha publishers.

Simon, J.L., &Burstein, P. (1985) .Introduction of International Business.

.Sellitiz, C. jain ,A .& Cook ,S .W . 1976) .Research methods in Social relations. New
Yourk :McGraw-Hill .

www.kumaribank.com

www.google.com

www.nrb.org.np

Annual report of KBL

Kumari Bank Limited. (2015). Internal Report of Kumari Bank Limited 2014/15.

Brouchers of KBL.