Chapter 1

Introduction
1.1 Background
BIM (Bachelor in Information Management) is a 4 years Information Technology course offered by Tribhuvan University (TU) under the faculty of Management. It is an integrated course, which has blended management education with recent development in IT. It covers management course such as Principle of Management, Marketing, Business Communication, Accountancy, Economics, Human Resource Management, Organizational Relations etc and IT courses include programming language such as C, C++, JAVA, Assembly Language, ASP and Net beans. Client Server Communication, Software Engineering, Artificial Intelligence etc as well as social science like Sociology, Psychology and analytical subject like Critical Thinking and Decision Making. The internship program has been designed to the partial fulfillment of the degree of BIM and the report has been prepared as per the syllabus prescribed for four year of course by Tribhuvan University. Sharing the experience of the internship is somewhat the great opportunity for the BIM student like us where the partial exposure is hardly experienced. But today due to the course design of BIM we are able to have an internship of eight week in a reputed place, from which we can get some exposure of work in the working environment of any institute. Incorporated in 1996, Nepal Credit and Commerce Bank (NCC) started its operation in 14th October with the objective of stimulating the Nepalese economy and efficient banking service with the slogan of “mero bank” which was changed later to “your business bank” This report has been prepared as per the requirement for the partial fulfillment of BIM program. The reports mainly focus on the bank and its working environment. The working environment of the bank and its daily working structure. The job of various departments like customer service, loan, gold against loan etc has been in the bank branch.

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1.2 Objective of study
The objective of this report is to explain personal experience during internship period. The objectives of internship are to develop the conceptual and analytical knowledge about the financial institution in Nepal and their functioning, to acquire a sound understanding different organizational practices and policies in banking sector, to gain knowledge and experience of banking by means of interaction, observation and working experience, to examine the customers and bank relation, etc.

 To gain practical exposure in real banking world.  To increase the personal skill and capacity.  To know about the process and flow of the work in the bank.  To develop the confidentiality level, competition level, performance level, in order to compete in competitive world.
 To find out the actual practice of the various work of various department.

 To get exposure in real time problem solving techniques.  Lastly, it will be helpful to recommend future actions and record procedures of each function of the organizations.

1.3 Methodology of study
The report data are collected from various sources  Primary source • • Personal interview Observation

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• 

Different questionnaires

Secondary source • Annual reports ♦ Financial report 2068 • • • •

Brochures of the bank. Application forms of different type. Newsletters. Bank website “www.ncc.com” Nepal Rastriya bank website “www.nrb.org.np”

1.3.1 Organization selection
First step was to choose the organization. As being the student from the finance group my first priority was to select a banking institute. As selecting a bank I could get a broader knowledge than other financial sectors. This internship was for 8 weeks through which I had to learn the basic of the department of an organization. I choose the banking sector rather than other financial institute because it has got broader work area than other financial institute. Among the banks I choose the commercial bank so that I can get more opportunities in future as well.

1.3.2 Placement
During the period of 8 weeks I was placed in chabahil branch of the bank. I was place in altogether 3 different departments for intern experience. 1. Customer service department
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3 Duration of internship The Tribhuvan university faculty of Management has allotted the 8 weeks or 6 credit hours of working time in any organization.  Inaccessibility of a data and information which could have helped out more to prepare this project and its analysis could have been much better. I was allowed to work for 8 week in the various departments by the Nepal Credit and Commerce bank (NCC). During my internship period I was placed in chabahil branch of NCC bank for 8 weeks. Loan department 1. Some major limitations are:  The allotted time was the major concern  It was too short to know about the vast institution within 8 weeks  Focused only in a single branch of a vast institution.3. The internship was really helpful for me in understanding the real working condition of any organization. So the analysis was done only in a single part.5 Activities performed in organization 4 |Page . 1.4 Limitation of study The course has been conducted as a partial fulfillment of the degree of bachelor in business administration. 1. Remittance department 3.2.

filling forms and helping them with the different problems. I worked in customer service department mostly. Fig: working pattern (week) in bank. In customer service department I got to deal with the customer by providing them the information about the bank. but I was also place under the loan department. I got idea regarding dealing with customers. In loan department I came to know about the letter of credit and guarantee.As being the student of finance and bank I did my internship from Nepal Credit and Commerce bank of chabahil branch. got informed about the schemes and questionnaires introduced by bank. I spent considerable time on customer service department. 5 |Page . different service provided by the bank. This department helps to know about the customer bank has to work with and this is the department where most of the daily activity takes place in the bank. I was placed in different departments during my 8 week internship period. parties involved. I was placed under this department to develop my relationship and skills with the customer of the bank. types of loan and letter of credit. I was involved in bank day to day activity in regular working hours.

Bank of Barcelona (1401) and bank of Geneva (1407) were established subsequently. they lent out money for the public and private purpose at interest though they paid none for themselves”. by providing loans to traders. Banking has come to today’s advance form by getting through various stages. 6 |Page . the seed of modern banking were sowed in the medieval Italy. It is an institution which collects deposits from surplus holder and provides credit to deficit holder. Italy is regarded as the first modern bank. the bank of England was established as a joint stock bank. “ in Greece. Bank creates credit in productive sector. industrialists.1 Concept of Banking Bank is a financial institute which is involved in monetary transaction. After the remittance department the loan department was also the place where I get to gain some knowledge and also the department where I focused my project on. According to Alfred Marshall . Bank of Venice set up in 1157 in Venice. Chapter 2 Brief introduction of the industry 2.I was also place on remittance department to gain knowledge about the flow of the money of bank from outside the valley and country as well. In 1964 A. Despite strong criticism from the church for charging interest. Traditional banking has first come in trace during the civilization of Greek. and businessman. the temple of Delhi and other safer places acted as store for the precious metals before the day of coinage and in later times. Roman and Mesopotamia.D.

It accepts deposit from the public. Due to the banking act the idea of opening the commercial bank spread all over the world.2 Evolution of Bank The modern word “bank” is supposed to have been derived from the word “benko” which means BENCH. Both the old French word “banque” and an Italian word “banca” were used centuries ago to mean a “bench” or money Changer’s table. These modern banks gradually replace the goldsmith. 2. lending’s and remittance 7 |Page . Linguistic (the science of language) and the etymology (the study of the origin of words) suggest an interesting story about the word “bank”.S. merchants and the money lender of that time. The early banking is however closely associated with the business of money changing. The modern economic system cannot function without banks. A bank is therefore a corporation that deals in credit. “Bank of England” and “Bank of Hindustan” was first bank of its kind but they were unregistered in law. banking is a business that not only deals with the borrowing. Banks are among the most important financial institutions whose principles operation are concerned with the accumulation for the temporarily idle money with the general public for the purpose of the advancing it to other for expenditure. In 1833 banking act was introduced which allowed the opening of joint stock bank. Thus the word banking has been used to donate a certain kind of trading in money. withdrawing by cheques and advance of loans of various sorts.Some popular definition of bank: “A bank is an institution that collects money from those who have it to spare and who are saving it out of their income and lends this money to those who requires it” • Crowther As per the U. According to the modern concept. law –“Any institute offering deposits subject to withdrawal on demand making loans of commercial or business nature is a bank”.

and co-operative banks with different purpose. there are various types of banks. it was not able to facilitate the growing trades with India and Tibet. industrial banks. the unorganized institution although quite underdeveloped could still mobilize funds from wide range of different sources. As the treaty. As in the other countries. “Udhyog Parishad” helped in the opening new avenues for the advent of banking. Although Tejarath Adda was established. treaty of peace and friendship were conducted between government of Britain and government of Nepal.3 Evolution of banking sector in Nepal The development of banking system in Nepal is not so long in comparison with the neighboring countries. When Tejarath Adda was established by government to provide credit facilities to general public. joint stock banks. which established the Nepal bank limited with the technical co-operation of the imperial bank of India. A year after its formation it formulated the company act and the “Nepal bank act” in 1937 A. Before 1956. The history of banking in Nepal traced back to 1877 A. So to manage the circulation of national currency and to maintain exchange rate stability there was an urgent need for the establishment of a central bank on April 26th. The NRB tried to decrease the circulation of Indian currency. industry and commerce in Nepal which helped in the growth of economy of the country. commercial banks agricultural banks.”sadar Muluki Adda” (local treasury of the government) issued currency notes and the foreign exchange reserves of Nepal were maintained by reserve bank of India. 2. Nepal could carry important trade free of duty via India. goldsmiths and landlord were the ancient money lenders and depositors of Nepal.of funds but also important instrument for forecasting the economic growth. as the first commercial bank of Nepal. 1956. which are established for instance.D. During that period the India currency along with Nepalese currency was circulating in the economy. The NRB mainly focused on eliminating dual currency system prevalent in Nepalese market. In the year 1923. Presently.D. replacing it with the 8 |Page . Thus a need of modern banks had become essential to promote the trade of nation.

which became the agriculture development bank 1967. Commercial bank acquires funds from a person or group and makes these surpluses available to the groups that are in need of the fund to mobilize the resource. the bank performs all kinds of banking services and generally finance and commerce is called commercial bank. It occupies quite an important place in any countries framework. the first commercial bank “Nepal bank limited” was established in 1937 A. the Nepal Indosuez bank was established as a joint venture between Nepal and France in 1986 A.4 Commercial banks in Nepal The commercial bank is one of the oldest forms of banking.D. Consequently. They accept deposits from the general public and use the money to help community by generating loans to needy individuals.Nepalese currency in various trades. In general. was the main source of financing for small agro business and cooperatives. there was massive entrance of foreign banks in Nepal. Rastriya banijya bank.D and the second “Rastriya banijya bank” was established in 1966 A. There was other government banking institution. The co-operative bank. Nepal has opened its door to foreign commercial banks in the kingdom almost decade back. The initiation of the Nepalese currency Act. Nepal industrial development corporation (NIDC) established in 1959 with United state assistance to offer finance and technical assistance to private industry. The commercial banks are banks that pulls together the scattered saving of the community and arrange it for their productive use and profits.D. which can lead to the economic growth. 9 |Page . There were two other specialized finance companies. 2.D. Similarly. As the country followed economic liberalization. In context of Nepal. 1958 and the opening of banks branches in various part of the country were the major steps undertaken by the bank. Nepal Arab Bank was established in 1985 A. a state owned commercial bank was established to deal with finances related to land reforms.

a number of commercial banks came into existence.50 965.D.No Names 1 2 3 4 5 6 7 8 9 Nepal Bank Limited Rastriya Banijya Bank Agriculture Development Bank Ltd. But major of this organization are all situated or has focused on the capital itself.00 1216. with the introduction of the licensing policy.30 10777.S. In Million) 380.40 1172. development bank and a central bank and Nepal rastriya bank.20 874.07 932. finance companies. However. the legitimate entry of commercial bank with full fledged banking function led to the rapid growth of the banking system.50 744. the number of commercial bank in Nepal was negligible and other financial institutes were nonexistent.However.75 1606. Today. The restoration of the multi party democratic system and the more liberalized policies adopted by the government has brought about a drastic change in the banking sector. NABIL Bank Limited Nepal Investment Bank Limited Standard Chartered Bank Nepal Limited.10 S. 2. Moreover the banks and financial organization are centralized in capital with different branches. Himalayan Bank Limited Nepal SBI Bank Limited Nepal Bangladesh Bank Limited 10 | P a g e . there are many commercial banks (licensed and not licensed).5 List of Commercial banks in Nepal Table 1: list of commercial banks Operation Date Head Office (A.) 1937/11/1 Kathmandu 5 1966/01/2 Kathmandu 3 1968/01/0 Kathmandu 2 1984/07/1 Kathmandu 6 1986/02/2 Kathmandu 7 1987/01/3 Kathmandu 0 1993/01/1 Kathmandu 8 1993/07/0 Kathmandu 7 1994/06/0Kathmandu Paid up Capital (Rs. Before 2047 B.

Kathmandu 3 1996/11/2 Babarmahal.64 3 2001/04/0 Kumari Bank Limited Kathmandu 1078. Kathmandu 700.Ru 1399.00 Chapter 3 Introduction of Nepal credit and commerce bank 11 | P a g e . Parsa 1000.00 2 7000. Kist Bank Limited 2007/9/24Kathmandu 2007/10/1 Kathmandu 2 2007/10/1 Kathmandu 2 2001/01/2 Kamaladi. Birgunj.10 2 Nepal Credit and Commerce Bank 1996/10/ Siddharthanagar.40 8 1995/03/1 Bank of Kathmandu Limited Kathmandu 603.20 4 2007/01/0 Global Bank Ltd.00 1107.00 Citizens Bank International Ltd.Morang 1140. NMB Bank Ltd.Chitawan 996. Bank of Asia Nepal Ltd.50 Limited 14 pendehi 1998/07/1 Lumbini Bank Limited Narayangadh.50 Limited 1 2000/10/0 Machhapuchhre Bank Limited Pokhara.10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 5 1994/10/1 Everest Bank Limited Kathmandu 691. 6 Kathmandu Bijuli Bazar. 2007/6/21Kathmandu Prime Bank Ltd Sunrise Bank Ltd.31 7 Nepal Industrial & Commercial Bank 1998/07/2 Biaratnagar.50 1000.00 700. Parsa 1098.27 3 2002/04/0 Laxmi Bank Limited Birgunj.00 700. Development Credit Bank Ltd. Kaski 1314.10 3 2002/12/2 Siddhartha Bank Limited Kathmandu 952.

4 billion Table 2: showing various capital of bank NCC bank has been working on Nepali environment for very long period of time. 1996 as a joint venture bank with bank of Ceylon. Rupandehi.1 Background: Nepal credit and commerce bank formally registered as Nepal – bank of Ceylon ltd.3. It was the first private sector bank with the largest authorized capital of NRS 1000 million. a facility which enables a customer to do banking transaction from any of these branches irrespective of their account in any other branches. The name of the bank was changed to Nepal Credit and Commerce (NCC) on Sep 10 th. The banks head office is located at Siddhartha Nagar. The bank is associated with Smart Choice Technology (SCT) is providing ATM services for its customers. NCC debit card can be accessed at more than 50 ATM and over 250 point of 12 | P a g e . All the major branches of the bank are connected through anywhere branch banking system (ABBS). It started its operation on 14th October. Bank has a present capital of: Authorized capital Issued capital Paid – up capital Rs 2 billion Rs 2 billion Rs 1. The bank has also developed agency relationship with more than 150 international banks having worldwide network. and the birth place of Lord Buddha. The bank has a slogan of “your business bank” as it has focused all the people who are working no matter which level they are on. Sri Lanka. The bank is providing its services through wide network of 17 branches across the nation and over 150 correspondents across the globe. While it’s corporate office is located at Bagbazar. The bank has provided various service and facility to the people in many areas as well. At present bank provides facility and service to rural and urban area of country through its 17 branches. Kathmandu. 2002.

very small Aperture (VSAT) and radio modem for networking. Likewise. NCC bank is committed to provide facility and service of high standard to its customer by understanding their requirement that best suits the market needs. gamut of corporate and retail banking service and centralized banking operation for better risk management. Pumori plus is one of the most popular software for banking that is used across the country in many bank. The bank has reached out to customer in many places through ATM service for convenience of the customer and travelers.2 Corporate Vision: Bankers with the quality service strive for expansion with profitability professionalism and personalized the banking.3 Corporate Mission: We at NCC bank. Bank is using the most popular software for the banking purpose like others. correspondent banking relation with over 150 banks worldwide for effective and proficient execution of international trade and remittance activities.sales across the nation. In pursuit to deliver the products and services of high quality bank has state-of-art technology for the appropriate and efficient Management information system (MIS) and rendering quality services. 3. NCC bank is also using the same software for its banking purposes. our goal is to provide wide range of banking system and product in the emerging socio-economic environment within and outside the country maintaining high standard of integrity and efficiency with excellence. consistent service deliveries and lowering the operation cost. SWIFT for international trade and transfer of the funds around the world. 13 | P a g e . 3.

4 Objective of Corporation: NCC bank was established with the objective of stimulating the Nepalese economy and taking it to the new heights. • To contribute to the overall socio-economic development of Nepal. To use the latest banking technologies to provide better.5 Product and services of NCC bank 3. • To facilitate trade by making financial transaction easier. We further aim to facilitate the nation’s economy and become more competitive globally.5.1 Saving Products • • • • • • • Jestha Nagarik Suraksha Khata Mahila Suraksha Khata Saving Plus Bal Suraksha Khata Karmachari Bachat Khata Shareholders Deposit Account Normal Saving Account 14 | P a g e .3. • • To mobilize the local saving and channeling them into productive area. faster efficient and reliable through the relationship with foreign banks and money transfer agencies. reliable and efficient service at a reasonable cost. 3.

5.2 Services • • • • • Money Transfer Bill Payment ATM cards Remittance Safe deposit lockers 15 | P a g e .3.

For any organization it is the very place which makes an early impression to the clients. and providing customers with the required information on banks products and services. It is very important to know that a highly satisfied customer stays loyal longer. This department deals with the new account opening and closing accounts. It is the first place where the customers first get the service. buys more as the organization introduces new product.1 Customer service department Customer service department is the front desk of any organization. It would then not be inappropriate to say that this department is the key to success of any organization. It deals with the customers who are valuable to the firm. The image and the reputation of bank depend upon effective functioning of this department. In customer service the intern learnt how to make cheque. 16 | P a g e . Having a significant number of this kind of customers is only possible through the efficient functioning of customer service department of any organization. distributing debit cards. It is the place where customers make the first contact with the clients.Chapter 4 Analysis of Activities done and Problem Solved 4. account operations and distribution activities. They are customer counseling. Customer service department of this organization performs following major function. The staff has trained the intern very properly about all the above mention activities. keep record on register and record of ATMs ordered and issued. It is the department where the intern has deal with maximum number of customers visiting the bank. pays less attention to competing brands and is less sensitive to price. cheque printing. Major functions carried under Customer Service Department: Customer service department provides valuable support and services to its customers.

10. • Product counseling: Providing information regarding deposit products is one of the ways of counseling the customers.4. This department helps to provide detail information regarding these different products and services of bank. On Daily Balance Quarterly On Demand Cheque Book On Demand Account Statement Free Inward Remittance Free SMS/Internet Banking Free Bills Payment Free Accident Insurance Up to Rs. There are various kinds of deposit by this branch.a. There are various kinds of products and services available in this organization.0% p. This department is concerned with counseling the new as well as the existing clients regarding the deposit products and the services provided in this branch.000/- 17 | P a g e .000/Free Medician Insurance Up to Rs.00. CSD of Kumaripati branch provided information of various kinds of deposit facility available which are as follows: Deposits: a) Bal Suraksha Khata: Minimum Balance: Interest Rate: Interest Capitalization: Special Features • • • • • • • Zero 6. 5.1.1 Customer counseling: This is the most important function of customer service department.

10. 10. 5.000/- c) Mahila Suraksha Khata Minimum Balance: Interest Rate: Interest Capitalization: Special Features • • • • • • • • NPR 1. On Daily Balance Quarterly On Demand Cheque Book On Demand Account Statement Free Inward Remittance Free ATM Card Free SMS/Internet Banking Free Bills Payment Free Accident Insurance Up to Rs.000/Free Medician Insurance Up to Rs.a.000.00.b) NCC Karmachari Bachat Khata Minimum Balance: Interest Rate: Interest Capitalization: Special Features • • • • • • • • NPR 1.00.00 6.000/- 18 | P a g e .000/Free Medician Insurance Up to Rs. 5.00 7.000.5% Monthly Minimum Balance Quarterly On Demand Cheque Book On Demand Account Statement Free ATM Card Free SMS/Internet Banking Free Good For Payment Free Bills Payment Free Accident Insurance Up to Rs.5% p.

10.000/Free Medician Insurance Up to Rs.00 8% p.000/Unlimited Withdrawal/Deposit e) Saving Plus Minimum Balance: Interest Rate: Interest Capitalization: NPR 10. On Daily Balance Quarterly Special Features • • • • • • • • • • On Demand Cheque Book On Demand Account Statement Free Inward Remittance Free ATM Card Free SMS/Internet Banking Free Good For Payment Free Bills Payment Free Accident Insurance Up to Rs.a.00 7% p. On Daily Balance Quarterly 19 | P a g e .d) Shareholder's Deposit Account Minimum Balance: Interest Rate: Interest Capitalization: NPR 1.000.a.000.00. 5.

Banking facility.00% 11. Chabahil also provides various kinds of services.000/f) Fixed Deposit 1 Month 3 Months 6 Months 1 Year .00.  Automated teller machine.000/Free Medician Insurance Up to Rs.50% Service counseling: NCC bank. Various forms of services provided by this bank are as follows:  E.2 Years 6.(ATM)  Any branch banking Service (ABBS).  SMS Banking (m alert)  Western Union Money Transfer 20 | P a g e .50% 9. 5. the information about these services are only provided by customer service department only.Special Features • • • • • • • • On Demand Cheque Book On Demand Account Statement Free Inward Remittance Free ATM Card Free SMS/Internet Banking NTC Bills Payment Free Accident Insurance Up to Rs.00% 6. 10.

000/.000/. Any Branch Banking Service (ABBS): This facility of NCC bank enables a customer to enjoy various activities like deposits and withdrawal from any of the 17 of our branch offices throughout the country. Fax etc. You can use this card at any ATM/POS terminals that is under SCT network. We are the agents for receiving the fund transferred through Western Union Money Transfer. Using NCC Debit Card you can withdraw cash as well as purchase goods from several merchants. It provides secured transaction with no queue hassle at Bank. email. 16. 21 | P a g e . Customers are given username and password by which the can use following facilities: • • • • • NTC Post-Paid/Pre-Paid mobile bill payment Fund Transfer Balance Inquiry Full/Mini Statement Account Summary Automated Teller Machine(ATM): NCC Bank Provides Debit Card which is the easiest way to carry cash.in a day. you can obtain the fund at any of NCC Bank’s Branches within the shortest time by just filling up a form and submitting an identity. It is the fastest and premium fund transfer system. You do not have to maintain an account with us. and you know the sender’s name. You can withdraw upto Rs.at a time and 40.E-banking: I touch is a name given to internet banking by BOANL. amount etc. The sender will have a MTCN (Money Transfer Control Number) which will be sent to you by telephonic conversation. Western Union Money Transfer: NCC Bank has relation with Western Union Money Transfer through NABIL Bank. We are here to help you receiving the fund through thousands of agents located worldwide. SMS Banking: This facility of NCC bank alert customer about any transaction being held in their account like amount deposit or withdrawal.

Shareholders account.  Account Opening: It is the most frequent activity done in this department. at the time of new deposit scheme launched by Nari Shakti. Documents needed for minor account • • • Obtain standard set of account opening documentation duly filled in with all the pertinent details. 22 | P a g e .  Account opening. Obtain citizenship. two major functions are done in account operations which are as follows. Broadly speaking. Interview the customers and update KYC form.  Account closing. Open account into the system.2 Account operations The next important function of this department as specified by the above mentioned diagram is account related operations. On an average total seven to ten account open in a day. Obtain birth certificate of the minor. the number of account opening has increased and customer also comes to transfer their existing account to new account due to its good facilities.4. Documents needed for individual saving account • • • • • • • Obtain standard set of account opening documentation duly filled in with all the pertinent details. However.1. Mark all copy documents (if any) as original seen. Obtains photos customer.

Mark all copy documents (if any) as original seen. Obtain identification card of the customer's. Open account into the system. Interview the customers and update KYC form. Interview the customers and update KYC form. Obtain firm registration certificate. Documents needed for company account • • • • • • • • • Obtain standard set of account opening documentation duly filled in with all the pertinent details. Documents needed for Sole proprietorship account • • • • • • • • • • Obtain standard set of account opening documentation duly filled in with all the pertinent details. Open account into the system. Obtain board resolution to open account at NCC bank. Obtain memorandum and article of association.• • • • • Obtains photos of the minor and guardian. Obtain passport size photo of the account holder. Mark all copy documents (if any) as original seen. Obtain identification card of the proprietor. Obtain identification card of the customer's. Obtain firm registration certificate. Open account into the system. Obtain the certificate of relationship between minor and guardian. Obtain passport size photo of the account holder. Obtain latest / renewed tax / pan certificate. Interview the customers and update KYC form. Authority to borrow from bank. Documents needed for joint account • • • • • • • Obtain standard set of account opening documentation duly filled in with all the pertinent details. Obtain latest / renewed tax / pan certificate. Obtain memorandum and article of association. Obtain passport size photo of the account holder. The board resolution must clearly state authorized person's name who will operate 23 | P a g e . Mark all copy documents (if any) as original seen.

1.2 Responsibilities/Activities done in the customer service department The different responsibilities that the intern had undertaken during the internship at the customer services department of NCC. Interview the customers and update KYC form. Chabahil are as follows: 24 | P a g e .3 Distribution activities Important service that CSD provide to its customer is to distribute various services that customer gets after opening their account. People close their accounts because of many reasons.• • • the account. Various services that customer gets after opening account and which is provided by CSD are as follows:  Check Book Distribution  ATM card distribution  Balance Certificate Distribution  Sms banking form  I touch service  Statement form 4. Mark all copy documents (if any) as original seen. if customers account exceeds 3 month it charge rs 250 for closing its account and if not they charge rs 500. 4.  Account Closing: Another task done under account operation is account closing.

photo etc. While opening an account for individual customers.• Providing forms and helping them to fill up the form There are various forms in this department to be filled up by customers. The interns have to deal with them and solve their problems as far as they could and forward the problem to senior if they are a bit complex. they can 25 | P a g e . birth certificate of minor accounts) are missing. The intern also had to check the necessary documents & contents filled by the applicant. the intern had to guide the customers by giving required forms and information regarding opening an account. • Dealing with customers Customers come up with various issues. The time period for the activation of card will be 15 days. Sometimes the intern has to fill up the form by asking the customer the required information. • Assist the concerned staffs in opening the accounts Another duty that the intern conducted was to assist the concerned staff in closing and opening the accounts. a valid citizenship card or passport. The account holders who want to have the debit card needs to fill up the debit card application form. ATM of card of NCC is SCT therefore. passport. citizenship copy. like. The intern was also required to find out if any required documents (photos. The intern helped the customer to fill up the forms. • Debit Cards Distribution: Interns are also assigned to distribute the debit cards to the respective cardholders. • To check if required documents to open the account are missing or not.

they used to come to collect their cheque book the next day. balance enquiry. 26 | P a g e . • Attaining calls I also handled calls of the customer. Since customers are requested to collect their cheque book next day. All forms were to be filled in their specific files. • Photocopying and filing The photocopy of the citizenships and other documents which are related to open and closing the accounts and others are necessary for the evidence for the bank. other departments and other branches and tried to solve their queries and if that was related to another department we had to hand over the call according to their request. Filing all the forms after the completion of all the work related to it was also one of the works given to intern. Intern had to take their signature in both requisition form and cheque book issue resister and if signature matches with previous one cheque book is issued.use this card in various SCT networks counters all over the country to withdraw cash and even for other activities like. • Distributing Check Book The cheque book is to be issued on presentation of requisition slip from the old cheque book and against Cheque Requisition Form in case of new accounts to the clients and verifying the signature. After signature verification cheque book is printed. fast cash.

In this lesson. Entityrelationship diagrams don't show single entities or single instances of relations. As we know a designer draws a blueprint before starting construction on a building. which shows the interaction between the system and external agents which act as data sources and data sinks. they 27 | P a g e . data flows suggesting composites. which describes what operations (and in what sequence) are required to solve a given problem. B) Data Flow Diagram (DFD): A data flow diagram (DFD) is a graphical representation of the "flow" of data through an information system. The flow chart symbols are linked together with arrows showing the process flow direction. Diamonds are normally used to represent relationships and ovals are used to represent attributes. Boxes are commonly used to represent entities. Each step in the process is represented by a different symbol and contains a short description of the process step.1 Tool used for developing software A) Flowchart: A flow chart is a graphical or symbolic representation of a process. files. ER diagrams often use symbols to represent three different types of information. Often they are a preliminary step used to create an overview of the system which can later be elaborated. DFDs can also be used for the visualization of data processing (structured design). On the context diagram the system's interactions with the outside world are modelled purely in terms of data flows across the system boundary. and databases. a programmer prefers to draw a flowchart prior to writing a computer program. It is a means of visually presenting the flow of data through an information processing systems. It is common practice to draw the contextlevel data flow diagram first. C) Entity Relationship Diagram (ERD): An entity-relationship (ER) diagram is a specialized graphic that illustrates the interrelationships between entities in a database. we shall concern ourselves with the program flowchart. the operations performed within the system and the sequence in which they are performed. Similarly. Rather.Chapter 5 Design of system 5. The program flowchart can be likened to the blueprint of a building. and data stores suggesting data entities. with processes suggesting programs and procedures. modeling its process aspects. The elements of a data flow diagram lead directly into physical design.

In particular. UCDs can be used to show all of its available functionality. An actor is a person. rather than merely representing the details of individual features of your system. 5. A sequence diagram can exist in a generic form (describes all possible scenarios) and in an instance form (describes one actual scenario). Diagrams created by this process are called entityrelationship diagrams. organization or external system that’s plays a role in one or more interaction with a system. E) Sequence Diagram: A Sequence Diagram is an Object Diagram that describes object interaction. that UCDs are fundamentally different from sequence diagrams or flow charts because they do not make any attempt to represent the order or number of times that the systems actions and subactions should be executed. or ERDs.show entity sets and relationship sets. D) USE CASE: Use Case Diagrams can be used to describe the functionality of a system in a horizontal way. while the time flows from top to bottom. • • • • 28 | P a g e Schema diagram E-R diagram Use Case diagram Activity diagram . A diagram that shows object interactions arranged in time sequence. A sequence diagram includes time sequences but does not include object relationships. though.2 Overall System Design (UML Diagrams) During the design of the inventory system the following UML diagram have been used. It is important to note. That is. A use case describes a sequence of actions that provide a measurable value to an actor and is drawn as a horizontal ellipse. ER diagrams. Objects are shown at the very top from left to right. it shows the objects participating in the interaction and the sequence of messages exchanged. Arrows indicate messages and other interactions between objects.

The internship period was really proved to be a great experience and knowledgeable 29 | P a g e . The internship program showed up that all these things are true theoretically only. The knowledge acquire in the course was relevant and useful to some extent only in the context of the job or function. after completing internship in NCC bank. They were very encouraging as well. the supervisors were very much helpful in guiding on the internship program. It was the opportunity to gain knowledge of the banking sector in practical manner.1 Conclusion The knowledge acquire from this internship at NCC bank is tremendous. these restrictions actually won’t work. As student has already acquired the theoretical knowledge from the course. Theory only gives a brief reference about the course which won’t be sufficient for the student to compete in real world. It might be due to its strict rules and regulations or something else. students are taught about the banking sector and the function performed in such sector theoretically. Secondly the staffs were very cooperative and supportive. The theoretical knowledge acquired is very useful in understanding the practical situation and in reducing the hitches which many student face during the internship program.• Sequence diagram Chapter 6 Conclusion and recommendation 6. the working environment of the bank was very comfortable. the working experience help a lot in finance course and other relevant course. Besides this. The real world or the practical cases are quite different than that student study theoretically. However. In the course. always ready to help and guide us. it was lot easier to get along the procedures of the organization. acquired knowledge is only based on the theoretical background but during the internship program there was chance to gain practical knowledge and cope with the working environment. Actually in colleges. In the real world. Firstly.

Organization should provide an opportunity to the intern to us the banking software in spite of their privacy. Without doubt. qualities and time management.regarding getting acquainted with the real life scenario of the working environment. It would be better if bank provides a separate employee as monitor to the intern who can assist and manage in employee training. 30 | P a g e . To make an internship program better I would like to recommend that the time frame of intern should increase. the intern should be provided the opportunity to observe.2 Recommendation: Obviously the internship program provides an opportunity to experience real life organization and made familiar with the working environment. Besides. It has developed some sort of confidence and commitment in developing the interpersonal skills. I felt that the organization was focusing more on getting job done through interns. it will be supportive factor for the future. Organizations should also have a system of getting feedback from the interns. how managers deals with the customers. 6.