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A FIELD WORK REPORT (5th Sem)

The document is a field work report on loan management at Sanima Bank. It includes an introduction discussing the background and history of banking in Nepal and the world. It also provides information on Sanima Bank, including its vision, mission and goals. The document defines what a loan is and discusses different types of bank loans.

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diwash khatri
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62 views11 pages

A FIELD WORK REPORT (5th Sem)

The document is a field work report on loan management at Sanima Bank. It includes an introduction discussing the background and history of banking in Nepal and the world. It also provides information on Sanima Bank, including its vision, mission and goals. The document defines what a loan is and discusses different types of bank loans.

Uploaded by

diwash khatri
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as DOCX, PDF, TXT or read online on Scribd
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A FIELD WORK REPORT

ON

LOAN MANAGEMENT

(With reference to Sanima Bank)

Submitted To:

Faculty of management

Purbanchal University

Biratnagar

Submitted by:

Diwash Khatri

Asian college of management and technology

In partially fulfillment of the requirement for Degree

Of

Bachelor of Business Administration (BBA)

New Baneshwor, Kathmandu


Certificate
This is to certify that the p
ACKNOWLEDGEMENT
As per the requirement of partial fulfillment of the
degree of Bachelor of Business Administration(BBA),fifth
semester students are required to prepare a field work
report.So, I have selected the topic “LOAN
MANAGEMENT OF SANIMA BANK”.I visited the the
Sanima Bank until relevant data were sufficient.

I would like to give my sincere thanks to my teacher mr.


Shiva Hari Adhikari , I would also like to express my
special thanks to all my friends who helped me to visit
the organization and those whom I might have forgotten
to mention. I acknowledge the visible and invisible
helping hands that assisted me in completing this field
report .

Thank you

Diwash Khatri
Asian college of management and technology
Minbhawan, New bhaneshwor
TABLE OF CONTENTS
CONTENTS PAGE NO.
Recommendations I
Acknowledgement II
Table of content III
List of table and figures IV

CHAPTER-I INTRODUCTION
1.1 Introduction of the study
1.1.1 Background of the study
1.1.2 Introduction of organization
1.1.3 Types of bank
2. REVIEW OF LITREATURE
3. METHODOLOGY
4. RESULTS AND FINDINGS
5. DISCUSSION AND CONCLUSION
6. BIBLOGRAPHY
CHAPTER-1
INTRODUCTION

1.1 Introduction of the study

1.1.1 Background of the study

In the history of origin of bank, regarding that the system of


the banking began from goldsmith bankers and then money
lender respectively. Later on the bank of venice (Italy) which
was established in 1157 A.D. is the first banking institutions in
the world. As the time passed many banking institutions were
established all over Europe, America and then in Asia. In the
context of Nepal “tejarathadda” was established in the time
of Randip Singh. Thereafter Nepal Bank ltd. Was established in
1973 A.D.(1994 B.S.) which is the first modern banking
institutions in Nepal. This establishment took place 128 years
after the establishment of first bank in india. After the
establishment NRB(the central Bank of Nepal) in 2013 B.S.
thereafter the establishment RBB was established in 1965
A.D,(2022 B.S.) under the RBB Act. 2021 B.S. and in 1965 A.D.
(2024 B.S.) ADB was established. After 1985 A.D. (2042 B.S.).
The government permitted public to establish joint venture
bank in Nepal. It plays crucial role to establish a large
numbers of bank such as Nepal Arab Bank ltd.,Nepal Indosuez
Bank ltd., sanima Bank Ltd., Himalayan Bank Ltd., etc.
Certainly, no comparison can be made between ancient and
modern banks, yet it is necessary to know how the present
banking system gradually developed. In ancient time
,goldsmith, businessman, and money lender used to perform
the work of banking in every country .

Introduction of organization
Sanima, promoted by prominent and dynamic Non-resident
Nepalese (NRNs) Businessman, commenced its operation in
2004 as a National level development bank with the vision to
mobilize resources for National Development. Sanima
received the operating license from Nepal Rastra Bank to
function as a “A” class commercial Bank and has achieved the
triumph to establish itself as a strong and Reliable commercial
Bank in Nepal. In the pursuit of sustainable growth, sanima
has 27 full-fledged branches within and outside the
Kathmandu valley and has further plans to expand its reach in
the various part of the country. Sanima provides one window
financial solutions to the customer with the wide range of
products and services. Sanima not only offers readymade
products and services, but also offers customized services to
better suit the needs of the individual customer. Sanima is
committed to exceed customer expectations in all areas to its
business through consistent processes, innovations,
improvements.
Vision
To be trusted and leading bank in Nepal
Mission
We will continuously be innovative and keep up with changes
to satisfy investors , staff , customers , regulators and the
people of the community we serve.
Goal
To be one of top 10 banks in terms of profitability.

Nepal investment Bank ltd. (NIBL) was established in 1986.


Previously, it was known as Nepal Indosuez Bank Ltd. It was
established as a joint venture between Nepalese and French p
established as a joint venture between Nepalese and French
partners. The French partner (holding 50% of the capital of
NIBL) was credit agricoleinduseuz, a subsidiary one of the
largest

Types of bank
Today in this modern age of specialization as a single instution
cannot fulfill all the functions demanded by the customers.
There is no possibility of economic revolution in the absence
of development and extension of banks. Without making
economic revolution peoples living standard cannot go up. A
modern banking demands different type of financial services.
This world cannot run without banks. Basically the concept of
bank emerged in the banking industry specializing in different
functional areas in listed below:
1) Central Bank
2) Commercial Bank
3) Development Bank
4) Exim Bank
5) Industrial Bank
6) Saving Bank
7) Co-operative Bank
8) Merchant Bank

Meaning and definition of loan

Commercial bank as of its primary function makes lending


activity. It is apparent that loan is defined as a thing is lent,
especially a sum of money. Likewise, debt means a sum of
money owned to somebody. However in financial terms
loan or debt means principle or interest availed to the
borrowers against the security. Debt means money that
owes or will lead to individual or person. Furthet the term
loan is defined as a lending . Delivery by one party and
receipt by another party, a sum of money upon agreement
expressed or implied, to repay it with or without interest.
Anything furnished for temporary use to a person at his
request, on that condition it shall be returned or its use.
Therefore, loan includes-
1. The creation of debt by lender’s payment of or
agreement to pay money to the debtor or to a third
party for him account of the debtor.
2. The creation of debt pursuant to a lender credit card or
similar agreement. With respect to alternative view, debt
means ‘principle and interest’ provided to debtor by
banks of financial institutions, with the pledge of
immovable property or other securities of guarantee or
without guarantee and the word also means over dues of
the transcation beyond balance or fees, commission and
interest incurred in that relation.

The word ‘loan’ has been derived from the word ‘lend’
which means to give something to other. In literature,
loan is defined in many ways.
There are various types of loan offered in banking
system. The following are common types of being loan
offered to a customer.
1. Demand Loan: Demand loan is a working capital loan
provided by the bank to finance project of the
customer. It is of a revolving nature and usually given
for one year. It is liquidated at the option of the
borrower or the bank at any time prior to maturity
date. The bank may extend the facility of tenure by
reviewing the performance of borrower. Therefore,
full repayment of demand loan will be only on
following cases-
 Facility called back by the bank.
 When the customers repays the loan in full amount.

2. Time loan: when a short term loan is provided to a


customer for a period less than one year with a fixed
maturity date it is called “time loan”. In time loan,
there could be one repayment of the full amount on
maturity date or several partial repayments on various
dates.

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