INTERNSHIP REPOET ON SUNRISE BANK LTD

BIRGUNJ BRANCH

SUBMITTED BY
SUMIT KUMAR PATEL
ROLL NO: 2002301049

SUBMITTED TO
“QUANTUM UNIVERSITY, ROORKEE”
IN
THE PARTICAL FULFILEMENT OF
BACHELORS OF BUSINESS ADMINITRATION
(THREE YEAR’S REGULAR DEGREE PROGRAME)
(2020-2023)

SUBMITTED BY: SUBMITTED TO:

SUMIT KUMAR PATEL Dr. MEHAK
ROLL NO: 2002301049
Q.ID: 20080082
 DECLARATION
I, Mr. SUMIT KUMAR PATEL student of Bachelors of Business Administration, belong in to
Quantum School of Business, QUANTUM University, declare that this Project Report /
Dissertation entitled “AN INTERNSHIP REPORT ON SUNRISE BANK LTD, BIRGUNJ
BRANCH” is the result the of project / dissertation work done by me under the supervision of
Dr. MEHAK
I am submitting this Project Report / Dissertation in partial fulfillment of the requirements for
the award of the degree of Bachelors of Business Administration in Finance by the QUANTUM
UNIVERSITY, Roorkee during the academic year 2020-2023
This internship Report entitled “An Internship report on Sunrise Bank”, submitted by Sumit
Kumar Patel in partial fulfillment of the requirements for the award of BBA degree submitted
to Quantum University comprises only my work due acknowledgments have been made to
materials used in the report under the supervision of Dr. Mehak Thakral, the Faculty of Quantum
University and Mr. Rajan Gupta of Sunrise Bank.
I further declare that this project / dissertation report or any part of it has not been submitted for
award of any other Degree / Diploma of this University or any other University/ Institution.

(Signature of the student)

Place:
Date:

ii
iii
 QUANTUM SCHOOL OF BUSINESS

CERTIFICATE
Certified that the project work entitled A Study on “AN INTERNSHIP REPORT ON
SUNRISE BANK LTD., BIRGUNJ BRANCH” carried out under my / our guidance by Dr.
Mehak Thakral, a bonafide student of Quantum University during the academic year 2020-23,
is submitting the project report in partial fulfillment for the award of Bachelors of Business
Administration in project during the academic year 2020-23. The project report has been
approved as it satisfies the academic requirements in respect of.

…………………….
Signature:
Name of Mentor:
Designation:
Date:

iv
 ACKNOWLEDGEMENT
This is matter of pleasure for me to acknowledge my deep sense of gratitude to QUANTUM
UNIVERSITY, School of Business for giving me an opportunity to explore my abilities via this
project work.
I would like to express my sincere gratitude to our project guide Dr. Mehak Thakral for his
valuable guidance and advice in completing this project.
Let me take this opportunity to thank our School Director, Prof. Puspendra Singh for the
wholehearted support extended to me throughout the conduct of the study. The encouraging
words that have been extended were great boost for the completion of this work.
I am also very thankful and grateful towards my seniors, colleagues and authorities of Quantum
School of Business, QUANTUM UNIVERSITY for their support, encouragement, and valuable
suggestions for the completion of this study.
Lastly, I would like to thank all other supervisors and senior interns, who guided me throughout
the internship program in SBL. The guidance that I received, helped me to perform my best and
learn things that will surely prove to be helpful in my career.

Sumit Kumar Patel

2002301048

v
 LIST OF ABBREVIATION

SBL SUNRISE BANK LIMITED

NRB NEPAL RASTRA BANK
CRD CREDIT DEPARTMENT
CAP CREDIT APPROVAL PACKAGE
CAP CREDIT APPROVAL PACKAGE
CFOL CREDIT FACILITIY OFFER LETTER
ATM AUTOMATED TELLER MACHINE
LC LETTER OD CREDIT

CSD CUSTOMER SERVICE DESK

SCT SMART CHOICE TECHNOLOGY

vi
TABLE OF CONTENT

CONTENT PAGE NO.

DECLARATION II
CERTIFICATE IV
ACKNOWLEDGEMENT V
LIST OF ABBREVIATION VI
TABLE OF CONTENT VII-VIII
LIST OF TABLES IX
LIST OF FIGURES X

CHAPTER 1 1
INTRODUCTION OF BANKING INDUSTRY 1
1.1 INTRODUCTION 1
1.2 ORIGIN OF BANK 1-2
1.3 DEVELOPMENT OF WORLD BANKING SECTOR 2
1.4 HISTORY OF BANKING DEVELOPMENT IN NEPAL 2
1.5 TYPES OF BANKS 2-4
1.6 COMMERCIAL BANK 4-5
1.7 FUNCTION OF COMMERCIAL BANK 5
1.8 PRESENT SCENARIO OF COMMERCIAL BANK 5

CHAPTER 2 6
ORGANIZATION PROFILE 6
2.1 INTRODUCTION 6
2.2 ORGANIZATION’S MISSION AND OBJECTIVE 6
2.3 MAJOR MARKET AND CUSTOMERS 6-7
2.4 PRODUCTS AND SERVICES 7-12
2.5 SRBL BRANCHES AND NETWORK 12
2.6 SWOT ANALYSIS OF SRBL 12-13
2.7 ORGANIZATIONAL STRUCTURE 13-14
2.8 BOARD OF DIRECTORS 14
2.9 CAPITAL STRUCTURE 14-15
2.10 ORGANIZATION PERFORMANCE 15-16

CHAPTER 3 17
ANALYSIS OF ACTIVITIES DONE AND PROBLEM SOLVED 17
3.1 ACTION PERFORMED 17-21
3.2 PROBLEM SOLVED 21
3.3 THE ACTIVITIES DONE IN CLEARING SECTION 21

CHAPTER 4 22
CONCLUSION 22
4.1 CONCLUSION 22
4.2 LESSON LEARNT 22-24
4.3 OBSERVED GAP 24
vii
 4.4 FEEDBACK TO SRBL 24-25
APPENDICES 26
REFERENCE 27
ANNEXES 28-30

viii
LIST OF TABLES

TABLE NO. NAME OF TABLE PAGE

NO.
TABLE NO. 1 Fixed Deposit Schedule 9
TABLE NO. 2 SWOT Analysis of SRBL 12-13
TABLE NO. 3 Organizational Structure 13
TABLE NO. 4 Capital Structure 14

LIST OF FIGURES

ix
FIGURE NO. NAME OF FIGURE PAGE
NO.
FIGURE NO. 1 Board of Directors 14
FIGURE NO. 2 Balance Scoreboard 15
FIGURE NO. 3 Organizational Structure 28
FIGURE NO. 4 Financial Growth of SRBL 29
FIGURE NO. 5 Analysis of Bank’s Progress 3o

x
 CHAPTER 1
INTRODUCTION OF BANKING INDUSTRY

1.1 Introduction of Bank

Bank can be defined as the financial intermediary between depositors and entrepreneurs.
The intermediation takes place when banks accept deposits from the general public,
corporate bodies, and private organizations and deploys those deposits for profitable
purpose in the form of loans and advances. Bank is financial service institution, therefore in
between this intermediation, the bank gets some earning.

According to Horrac White, “Bank is a manufacture of credit and machine so facilitating

exchange.”

According to shorter oxford English dictionary, “A bank is an establishment for the custody
of money, received from or on behalf of each customer. Essential duty is to pay their draft
on each profit area from its use of the money left unemployed by them.”

By this definition, the bank can easily be defined as the custodian of deposits. The
transactions in the financial market heavily depend upon the banking system of the country.
Without the bank, it would be quite impossible for the industrialist and entrepreneurs to go
directly to the general public for getting their savings or investments. So, the simplest
definition is that bank takes the saving of public by providing them with certain rates of
interest and loan it to needy customers charging them the certain rate of interest and earns
some profit. This is the broadest form of banking but in this age, banking is such big term.
It does a lot more than deposits and credits, remitting of money, letter of credit etc.

1.2 Origin of Bank

The word bank has been derived from Italian word banco. In the ancient time in the French
language, it is called the bank, in The English language it is called the bank. In Italian word,
banco means bench. The evolution of banking industry had started a long time back in
ancient times. There was the reference to the activity of money changers in the temple of
Jerusalem in the New Testament. In ancient Greece, the famous temples Delphi and
Olympia served as great depositories for people surplus funds and these were the centres of
moneylending transactions. Indeed, the traces of rudimentary banking were found in the
Chaldean, Egyptian and Phoenician history. The development of banking in the ancient
Rome roughly followed the Greek pattern. Banking suffered oblivion after the fall of the
roman empire after the death of emperor Justinian in 565 AD and it was not until the revival
of trade and commerce in the Middle Ages that the lesson of finance was learnt a new from
the beginning. Money lending in the Middle Ages was however largely confined to the Jews
since the Christians were forbidden by the cannon law to indulge in the sinful act of lending
money toothers on interest. However, as the hold of church loosened with the development
of trade and commerce about the 13th century Christian also took to the lucrative business

1
of moneylending thereby entering into keen competition with the Jews hither monopolized
the business.

As a public enterprise banking made its forced beginning around the middle of the
12thcentury in Italy and the Bank of Venice founded in 1157 was the first public banking
institution. Following it were the bank of Barcelona and the Bank of Genoa in 1401 and
1407respectively. The latter two continued to operate until the 18th century. With the
expansion of commercial activities in northern Europe, there sprang up a number of private
banking houses in Europe. And slowly it spread throughout the world.

1.3 Development of World Banking Sector

When the World War-2 was inching towards its end major countries started mulling the
plight of the future world. There were valued concern about the reconstruction of devastated
areas and rebuilding and developing the war-hit economies. In 1944, they gathered at Breton
woods in New Hampshire State of the USA. They made a remarkable decision to boost
international trade and economic growth and to achieve monitor stability in the global
economy. The following organizations is the outcomes of historical greater woods
conference of July 1944: IBRD (World Bank), IMF (International Monetary Fund), and ITO
(International Trade Organization).

1.4 History of Banking Development in Nepal

Nepal being a developing country, its banking history is not so long. According to historical
records, Our King Mandev and Gunakamdev established Manank and Ginak mudra
respectively. Gunakdev borrowed money to rebuild Kathmandu in 723 AD. A merchant
named Sankhadhar paid all the debts of people and established Nepal Sambat for the
remembrance of that occasion in 80 AD. Likewise, Jaysthiti Malla classified the people in
four classes and 36 castes by their occupation. One of those castes who were involved in
money lending business at that time named as Tanka-Dhari during the prime minister ship
of Rannodip Singh. Likewise, Tejarath Adda was established as the first financial institution
of the country. In the beginning, only government staffs were allowed to take loans at 5
%interest rates and later on public were also allowed to take the loan at the same interest
rate against the gold and silver securities. Taksar Bivag was also established since 1989.Our
oldest bank is Nepal Bank Ltd. established in 1994 BS. 30th Kartik. After that, so many
banks were established. Nepal Rastra Bank was established in the year 2012 as a central
bank of the country. Sunrise Bank Limited, another commercial bank was established in
2022.Only after 2041 B.S, Nepal government allowed joint venture banks to operate in the
country. At present, the banking sector is more liberalized and there are various types of the
bank working in the modern banking system. This includes central, commercial, and
development banks.

1.5 Need of Banking

Banks have, today gained paramount trust in the public. The functions of banks are not
confined just to accept deposits and give loans; they render a wide range of financial services

2
covering different strata of society. This gives us an impression regarding the need of a bank.
Need of bank includes but does not limit to:

• Financial intermediation
• Legal entity and freedom from exploitation
• Boost of trade and economic development
• Organized institution and capital formation
• Fund transfer and safety of valuables
• Underwriting services and agency services
• Employment

1.6 Types of Banks

Different banks are established for different purposes. They can be classified into the
following types:

• Central Bank

The Central bank is the bank of all banks. It is the supreme body, which controls and
stabilizes the economy of the country through various direct and indirect means. In direct
means, it uses the monetary policy as a tool to expand and contract the economic activities
of the country and in indirect means; it uses tools like issuance of treasury bills, national
savings bond, and bank rates etc. the central bank neither maintains accounts of public nor
does it give loans to the public. Nepal Rastra Bank which was established in 26th April
1956is the central bank of Nepal and Bank of England in 1694 A.D. was the first central
bank of the world

• Commercial Bank

Commercial banks are the largest source of finance and its business is largely confined to
business institutions. Though the commercial banks were established with the concept of
supplying short-term credit and working capital needs of industries, they started to provide
long-term loans for up to 10 years by the provision made in commercial bank act 1974. after
the enforcement to lend in priority and deprived sector, these banks initiated to provide
credit to small and cottage industries, agriculture, and services etc. Nepal bank Ltd was
established in 15th November 1937 as the first commercial bank in Nepal.

• Agriculture Bank

cooperative bank, established in 1963, was converted to Agriculture development bank

in1967 with the objective of modernizing the country’s agriculture sector. This bank, besides
providing credit to agriculture has been availing credit to agro-industries such as livestock,
bee-keeping poultry etc. and has extended their business in hire-purchase and other loans
also.

3
 • Development Bank

Development banks are established for the development of the economy. Nepal industrial
development corporation (NIDC) was established in 1956, with the objective of providing
medium-term loans for the establishment, development and modernization of private sector
industries. Small industry Development Corporation was established in 1960 to provide
loans to small-scale industries and it was merged to NIDC in 1971.

• Cooperative Bank

Cooperative has developed as the alternative of usury. It is an association of voluntary

members and caters the financial needs of the members only on a mutual basis. It is a self-
help type of organization, where borrowers are member shareholders. There are
21cooperative operating in Nepal

• Saving Bank

The establishment of saving bank was to alleviate property through the encouragement of
thrift among the poor and marginalized community. Savings banks offer higher interest rate
than other banks and the fund is utilized by the government. The first savings bank in Nepalis
the Hulak Bachat Bank established in 1962 A.D

• Rural Bank

Rural banks are established with the aim of providing credit and other facilities to the small
and marginal farmers, agricultural laborers, artisans and small entrepreneurs in rural areas.
The main purpose of rural banks is to bridge the vast credit gap in the rural sector and curtail
the role of unauthorized private moneylenders. All financial needs of the medium and small
firms are expected to be met by the rural banks

• Merchant Bank

Merchant banking institutions offers various specialists services such as loan syndication,
financing and management consultancy, project counselling, portfolio management,
formulation of schemes for rehabilitation, guidance on foreign trade financing and
management and advisory services to medium and small savers.

1.7 Commercial Bank

A Commercial bank is a business organization, which deals in money by lending and

borrowing money, in which it makes the profit. It raises its resources through borrowing
from the public in the form of deposit and lends this to the business firm. Its lending rate of
interest is greater than its deposit rate. This difference in lending and borrowing rates enables
it to make the profit. The basic source of funds for commercial banks are capital and reserved
retained profit. It performs several functions as various types of deposit facilities like the
current, saving and fixed deposit; safety of public money, remittance of money, letter of
credit, loans, locker facility, foreign exchange, serving as an agent of its clients etc.

4
Commercial Bank Act 2031 states- “A commercial bank is the bank which exchanges
money, accepts deposits, grant loans, and perform banking function.

According to S.2A, of Commercial Bank Act 1974 AD “Commercial banks are the heart of
the economic system. They hold deposits of millions of people, government and business
unit. It exchanges money, accepts the deposit, grant loan and operates commercial
transactions

1.8 Functions of Commercial Bank

The main function of the commercial bank simply is ‘to borrow to lend’. Besides, there are
other functions which have been developed according to need of the society as

• Accepting deposits
• Advancing loans
• Discounting bills of exchange
• Transfer of money
• Miscellaneous functions

1.9 Present Scenario of Commercial Bank in Nepal

Banks are gradually starting to realize that, in today’s competitive banking environment,
exemplary customer service is one of the distinguishing characteristics that banks can
exploit to establish a competitive edge. Since most banks offer comparable products and
services, they should continually search for a competitive advantage that will attract new
customers and help retain existing ones. Banks are therefore, looking to develop innovative
products and services to maintain superior customer services levels while at the same time
remaining profitable. With the number of market players in the rise, the competition has
been obviously growing in the banking industry. The most obvious effect of the rising
competition can be seen in the interest rates offered by the banks. Banks are gradually
shifting towards the IT-based solution to enhance service delivery in order to address
customer concerns. Most banks are embracing E-banking and provision of ATMs to reduce
long queue in the banking hall. In addition, some banks have launched mobile phone
banking services which facilities several account queries tools, including account balances,
thereby minimizing the need for customers to visit banks. This drive towards the IT-based
solution will continue to gather momentum in the future as banks will find it very difficult
to survive in the ever-growing competition without some form of competitive advantages.
Another trend observed nowadays is large corporate houses explore the shift towards
multiple banking relationships. In order to remain competitive, banks are seen to be
increasingly encouraging business houses to transact with them. This has led to the creation
of the large volume of unutilized limits with the bank and in order to get a large piece of the
pie banks are increasingly accepting risks, which they otherwise would not have taken. The
unyielding competition has also led the banks to accept collaterals that are riskier and more
unsecured. The volume of loan against the hypothecation of stock, receivable and other
assets are on the rise. In the absence of hypothecation in the current assets, the risk of over
financing is eminent and banks are exposed to the higher degree of risk. A total number of
commercial banks and their date of the establishment are presented in Annex 1.
5
 CHAPTER 2
ORGANIZATION PROFILE

2.1 INTRODUCTION
Sunrise Bank Limited was established in 12 Oct 2007. Sunrise Bank Limited is a commercial
bank in Nepal. The bank is an ‘A’ class commercial bank licensed by Nepal Rastra Bank and
has branches all across the nation with its head office in Kathmandu which provides entire
commercial banking services.
The bank’s shares are publicly traded as an ‘A’ Category company in Nepal Stock Exchange.
The bank currently has 134 branches, 50 branchless banking units, 12 extension counter and
159 ATM terminals. The bank has been maintaining correspondent relationships with various
international banks from various countries to facilitate trade, remittance and other cross boarder
services. Through these correspondents the bank is able to provide services in any major
currencies in the world.
Sunrise Bank Nepal Ltd. provides personal and business banking products and services. Its
personal banking products and services include savings account, fixed deposits, and loans; and
business banking products and services include loan and advances, demand loan, fixed term
loans, import loans, overdraft loan, short term pledge loans, export financing, hire purchase,
deprived sector loans, SME loans, loan against bank guarantee, loan against government bonds,
loan against shares, loan against fixed deposits of other banks, consortium loans, and gold
loans. The company also provide locker, Internet Banking, remit, and mobile banking services
as well as Visa debit cards.
2.2 ORGANISATION’S MISSIONS AND OBJECTIVE
Sunrise bank visions to “you and us …. Together we built”. And missions to Establish Sunrise
bank as a lead bank in all places of their branch location national wide.
Objectives of Sunrise Bank Ltd:
• To continuously expand Bank’s operation in systematic manner
• To become major innovative bank and provide top of line services
• To build HR team that continuously supplement the growth of the organization
• To be vigilant to the evolving economy and align our operation accordingly

2.3 MAJOR MARKET AND CUSTOMERS

Sunrise Bank Ltd. is an “A” class commercial bank classified by Central Bank of Nepal.
Sunrise Bank has been able to expand its services through establishment of branches
throughout the country. People of Nepal from various geographic regions are able to purchase
the products and use the services provided by the bank. The market for the bank is widespread
over the places of Nepal.
As per bank they say the bank understand that banking is no longer a numbers game. “success”
for us is not just a margin. We understand that you are looking for a friend. A friend to

7
understand, evaluate and invest in your dreams and aspirations. A friend who will safely guard
your savings and give you the best value for it. For us success is your hand in friendship.
I was deployed in Credit Department of Main Branch. It is one of the most important
departments of a bank that generates the major source of income for bank i.e., Interest Income.
The Credit Department of Main Branch provides different loan products not less than NRs.
5.00 Lakhs. It has large customer base and good position of Credit portfolio. People purchase
different loan products such as SME Loan (Small Medium Enterprises), Overdraft, Margin
Lending and so on. Sunrise Bank Ltd has large customer base from low income to high income
earning people.
2.4 PRODUCTS AND SERVICES
SBL generates significant revenues through credit creation and the funds from deposits are
used for credit creation. As such, the major products of SBL are:
• Deposits
• Loan and Advances

Along with these products, other services that significantly contribute for SBL’s revenue
generation and customer retention include:
• Suryodaya Remit
• Locker
• Branchless Banking
• Internet Banking
• Mobile Banking
• Sunrise Visa Debit Card
• Extension Counter

2.4.1 DEPOSITS
Deposits are the major sources of fund in SBL. Deposit is the amount placed by individuals
and corporate groups in the bank for safekeeping and is subject to withdrawal on the demand
of the depositor or at the time of maturity of stated period. Deposits are the major liability for
any banks and in case of liquidation, deposits are settled first and foremost. Deposits are
facilitated through variety of accounts and they are:
A) Fixed Account
A fixed account requires the depositor to deposit a fixed sum of money for a fixed period of
time. A penal interest is charged in case of withdrawal of fixed deposit prior maturity. The
interest is paid on quarterly basis. Fixed account can be opened by individuals, minors, clubs,
societies, associations and trusts.

8
 Time Interest

Individual

6 Months 11.00%

1 Year 11.00%

18 Months and Above 11.00%

For Corporate

6 Months 10.03%

1 Year 10.03%

18 Months and Above 10.03%

INTEREST PAYABLE ON MONTLY BASIS*

Table 1: FIXED DEPOSIT SCHEDULE

B) Saving Account
A saving account is an interest-bearing account. In SBL, interest is calculated on daily balance
and credited to the account on quarterly basis. The minimum balance for saving account
depends on the nature of saving account. Such balance is subject to any incidental charges that
SBL specifies during the period. To keep the records of savings and transactions as well as to
be updated with the status of the account, a passbook is provided to the depositor. The types of
saving account in SBL are:
• Normal Saving
• Sunrise Payroll Savings
• Sunrise Fat Savings
• Sunrise Exclusive Saving
• Sunrise Bal Bachat
• Sunrise Share Dhani
• Sunrise Pink Bachat
• Sunrise Remit Bachat
• USD/GBP Saving
• Sunrise Senior Citizen
• Sunrise Super Savings
• Sunrise Krishi Karja Saving

9
 • Sunrise Disability Saving
• Sunrise Share Lagani Khata
• Sunrise Bisesh Bachat
• Euro Saving Account
C) Current Account
A current account is non-interest-bearing account. Only the corporate bodies can open a current
account. It is especially designed for corporate bodies that are indulged in frequent transactions.
SBL provides the current account holder with cheque book. A semi-annual statement is sent to
keep track of the transactions carried out by the account holder. Additionally, the bank may
provide the statement daily, weekly or monthly as per the request made.
2.4.2 LOANS
SBL provides wide range of loan products for both individual and corporate. It is the major
source of income earning of bank. Some of the loan products are:
A) Term Loan
Sunrise bank term loan is a long-term loan and is generally available for acquiring or
purchasing machinery, equipment, land and building. The tenure of repayment of the loan is
based on the project’s duration and the estimated/existing cash flow.
B) Overdraft Loan
Sunrise bank often overdraft loan to finance your daily working capital requirement and
support your stock build up.
C) Sunrise Ghar Karja
This loan is basically focused for those who dreams to own their home. The interest is highly
competitive. The interest rate ranges from 8.50% to 13%.
D) Sunrise Sajilo Karja
Sunrise Sajilo Karja can be disbursed for social, personal, business purposes. This flexible loan
allows the borrower to fulfil all personal financial requirements. We offer loans in line with the
clients' repayment capacity and the usage of the loan.
E) Krishi Karja
Sunrise Krishi Karja is one of its kinds in banking fraternity targeted mainly to lower- and
middle-class individuals engaged in agricultural occupation, based on agro trading/industries
and other that are related to agriculture sectors.

F) Sunrise Surakshit Ghar Karja

A home loan product tied up with endowment life insurance policy--this is a unique loan
product being offered to the customers for the first time in the Nepalese banking sector. The
loan limit ranges from 0.5 million to 10 million. Under this scheme, each borrower will have

10
life insurance policy commensurate with the loan amount and tenure of the house loan.
Insurance company will pay full loan amount to the bank on behalf of the borrower within the
loan tenure.
Therefore, the borrower will bear say interest portion only making the EMI significantly lower
than in normal home loan.

G) Other Loans
Sunrise Bank Limited provides the facilities of other various loans to its customers. They are
export finance deprived sector loan, loan against bank guarantee, loan against shares,
consortium loan, demand loan, import loan, short pledge loan, hire purchase, sunrise SME loan,
loan against government bonds, loan against fixed deposit of another commercial bank.
2.4.3 Suryodaya Remit
It is an electronic online cash exchange result of the bank intended to encourage exchange of
assets by Nepalese exiles working/living in remote nations and in addition for residential
exchange of assets. Suryodaya transmit is secured by method for VeriSign and computerized
authentications mapped to every client independently. It is quick, moderate and secure
2.4.4 Locker
Sunrise Safe Deposit Locker is facility furnished to the individual and institutional customers
who prefer to safe deposit precious gems & jewelleries and important documents to evade the
probability of increasing theft, burglary and fire. The Safe Deposit Locker has been the first
choice for the safest custody of the valuable goods with flexibility of time to store and take
away when required. The Bank has varied sizes of Safe Deposit Locker to select from. Locker’s
facility can be availed from selective Branches of the Bank
2.4.5 Branchless Banking
Branchless saving money is a practical channel for conveying budgetary administrations
without depending on the customary bank branches. Branchless managing an account gives
essential keeping money benefits through NIBL specialists having Bio-metric POS devices
(with unique mark scanner).
2.4.6 Internet Banking
Web based keeping money otherwise called web saving money e-managing an account or
virtual banking, E-saving money or virtual saving money, is an electronic instalment
framework that empowers clients of bank or other monetary organization to lead a scope of
budgetary exchanges through the monetary institution’s site.

2.4.7 Mobile Banking

Mobile banking is a service provided by a bank or other financial institution that
allows its customers to conduct a range of financial transactions remotely using a
mobile device such as a mobile phone or tablet, and using software usually called

11
an app, provided by the financial intuitions for the purpose. Mobile banking is
usually available on 24hour basis. Some financial institutions have restrictions on
which accounts may be accessed through mobile banking as well as a limit on the
amount that can be transacted.

2.3.8 Extension Counter

There are no inflexible rules, but banks for the most part open augmentation counters in spots
like colleges, large government or private foundations and so on with the end goal of conveying
fundamental saving money administrations at their doorstep, even however opening a branch
may not be a feasible proposition. Therefore, the expansion counters would by and large
capacity from littler premises and with a smaller number of representatives, for rendering just
essential keeping money services.so, as a rule the accompanying administrations for the most
part would not be accessible:
o Credit Products
o Safe Deposit Locker
o Foreign Exchange Services, Etc.
2.4 SRBL Branches and Networks
SRBL have totalled 134 Branch networks including branches inside and outside the valley
which does operational activities of banks. Corporate office located at Gairidhara; Kathmandu
does all the management activities. There are 12 Extension counter and 159 ATM.
2.5 SWOT Analysis of SRBL
SWOT is the acronym for strength, weakness, opportunity and threats. A SWOT analysis
summarizes the internal and external factor of an organization that are most likely to influence
the strategic development. Strength is the positive Internal characteristics that the organization
can exploited to achieve its goals. Weakness is the internal characteristics that might inhibit or
restrict the organization performance. An opportunity is the condition in the general
environment that if exploited effectively, helps a company achieve its targeted objectives. A
threat is a condition in the general environment that may hinder a company’s efforts to achieve
its mission. The internal environment provides strength and weaknesses whereas the external
environment possesses opportunities and threats to the organization. Thus, the organization
uses its strength to grab opportunities and minimize threats and weaknesses.

Strengths Weakness

• Pioneer of banking service • Dissatisfied customer

• Better facilities with • Inadequate inter

advance technology department
communication

12
 • Quality service • Employee are less familiar
with new technology

• Availability of ABBS • Complaints of technical

facilities errors

Opportunities Threats

• New potential of market • Changing customer

expansion preference

• New investment opportunities • Changing Technology

• Growing international trade • Intense competition

• Introduction of innovative • Lack of investment

products, services and opportunities in the market
programs

Table 2: SWOT Analysis of SRBL

2.6 Organizational Structure of Sunrise Bank Limited

Organization structure is the specified path through which the formal command of
authority and responsibility flows. The organization structure of SRBL is presented
in the following Diagram.
Chairman & Board of Directors

CEO

Deputy CEO

DGM’s

Assistant GM

Branch Manager

Officer’s

Assistants

Table 3: Organization Structure of SRBL

13
The organization structure of SRBL consists of Chairman at the topmost position
followed by CEO who is directly accountable to the chairman. There are three
Deputy General Managers in SRBL holding the responsibility of corporate banking,
retail banking and IT, card, Remittance and product development department. They
delegate responsibility to Assistant General Managers who are also there in number
at different branches of SRBL. AGM again delegate authority to Department Heads
and the hierarchy follows to branch manager to officers to assistants.

2.7 Board of Directors

CHAIRMAN
Mr. Motilal Duggar
DIRECTOR
Mr. Malchand Duggar
DIRECTOR
Er. Bachh Raj Tater
DIRECTOR
Er. Shailendra Guragain
Director
Mrs. Sharadha Sharma
DIRECTOR
Mr. Deepak Nepal
Figure 1: Board of Directors

The Board of Directors consists of 9 members. As per the directives of NRB, there are 3 Public
Directors and 6 Director. Mr. Motilal Duggar is the chairman of SRBL.
2.8 Capital Structure

AUTHORIZED CAPITAL 10,000 MILLION

PAID UP CAPITAL 8987 MILLION

Table 4: Capital Structure

At present, the authorized share capital of SBL is NRs. 10,000 million whereas the paid-up

14
capital is 8987 million. 51.10% of paid-up capital is held by promoter shares whereas 48.90%
is held by public shares. The pie-chart diagram is presented in Annexes.
As per the directives of NRB, every “A” Class commercial bank must maintain its paid- up
capital to NRs. 8.00 billion by fiscal year 2073/74. SBL has its capital plan to reach the directive
through the merger and issuance of rights and bonus shares.
2.9 Organization Performance
SBL has been able to perform the best organizational performances. It has been earning profit
in increasing trend. SBL focuses on its customer by launching various flexible products. The
job responsibilities for each designation are clearly described so that the employees clearly
understand their responsibilities and accountabilities. SBL focuses on job rotation and job
enrichment to reduce the monotony.
The performance of organization can be analysed through the balanced scorecard.

Financial
Status

Customers' Organizational Internal

Perspective Performance Processing

Learning
and
Growth

Figure 2: Balanced Scorecard

A) Financial Status
The performance of SBL is outstanding and it is one of the leading banks in the banking
industry of Nepal. SBL is the bank with the most networked branches all over Nepal. Currently
the capital base of SBL is NRs. 5.00 billion, which denotes that the financial capacity of the
bank is very strong. As of Ashadh 2073, the capital adequacy ratio of SBL is 11.41%. This
shows that the bank is financially stable and efficient in its functioning.

15
 B) Customer Perspective
Creation of customer satisfaction and customer delight is of utmost importance for SBL. It
deals with various natures of customers ranging from individuals to corporate groups. SBL
continually comes up with various customized products that are tailored as per the need of the
customers. For an instance, earthquake relief loan for earthquake victims at 2% interest rate,
women’s saving account, with various discount schemes, etc. However, according to the
customer, there is more scope for improvement in the service provided by SBL.
C) Internal Processing
The processes of SBL are systematized for better services and effectiveness of the bank. Every
member of the bank knows his/her responsibility and duties toward the organization as the
responsibilities and authority to each designation is clearly spelled. The channel for flow of
information is also clear. With effective communication and clear lines of authority, the internal
processing is free from mismanagement.
D) Learning and Growth
SBL strongly focuses on strengthening the potential of its employees. It has a continuous
learning culture for every employee. The employees are rotated in their jobs with the purpose
of providing better understanding of the impact and contribution of every activity carried out
in the bank. It also makes the employees more cooperative and understanding of each other
which promotes their bonding. SBL also enriches the job by attaching several responsibilities
to a single job designation. This helps the employees to develop the skills of multitasking. To
develop the competencies among the employees and improve their productivity, SBL provides
its employees with numerous training opportunities related to their field. This makes them
ready and confident for their job responsibilities.

16
 CHAPTER 3
ANALYSIS OF ACTIVITIES DONE AND PROBLEM SOLVED
3.1 ACTIVITIES PERFORMED
During my internship program in SRBL, different responsibilities were given. Various
activities were carried out to fulfil the responsibilities. As mentioned earlier the intern
performed different operation activities at different department of the bank during the period
of eight weeks. Some of the activities performed during the internship period under different
department are analysed as follows:
3.1.1 Activities Performed in Different Department

Customer Service Department (CSD)

Customer service is the front desk of any organization. Likewise, it is the information center
for its customers. It is a department which deals with customers and their complaints and
orders. For any organization it is place which make an early impression to the clients. It is
because while entering to the bank, customers reach to the CSD at first and ask for help. The
image and reputation of the bank largely depend upon the effective functioning of this
department, as they deal directly with different kind of customers with same attitude and
approach. So, to transform customers to loyal customers to the bank the efficient functioning
of customer’s service department is the most. Thus, it would be fair enough to say that this
department plays vital role in the success of the organization.
Besides these, major activities performed in this department are as:
• Account Operation (Account Opening/Account Closing)
With the proper verification of all required documents, new account is opened. It is very
essential to know all the details of the customers before opening of an account. While opening
the account, bank uses Know Your Customer (KYC) policy. This policy helps the bank to get
all the related information of its customer’s. This was one of the main functions of CSD. To
open an account in a bank is related to enter into contract between a person or an institution
and a bank.
• Account Opening Procedure:

A) Firstly, Account Opening form is received including KYC form. The account opening
form should contain account name, account holder name, nominee name and signature.
For account opening customer authenticated record like passport, citizenship, nominee
citizenship, utility bill or identity card, three passport size photos are essential. The
signature specimen card should be duly completed and signed by the customer.
B) Account number is given as per sequence following computer system rule to open the
account in computer. The account number is of 12 digits, first three indicate branch
code and last two digit denote the product code. E.g., 10 for saving account, 01 for
current account and so on.
C) Then the customer is asked to deposit the minimum balance required as prescribed in

17
 the assigned account number and told to show the deposit slip with them and half is
given to customer.
D) Then customer is requested to collect the cheque book next day and customer is
released. If the customer does not the cheque book, but only want a debit card the debit
card application form is filled up and he/she said that they will be informed through
mobile SMS or a phone call after their debit card is ready.
E) Then, documents are checked as per details given in Account Opening Rules according
to the nature of the account.
F) Then, Account Opening form is submitted to assistant manager for further
investigation.
G) The documents are returned to CSD after authorization.
H) If there is discrepancy of documents found by the manager then the customer is
informed about that and is asked to clear the discrepancy.
I) Signature is scanned for the computer access. All other information related to the
customer is written in the account opening section of Pumori for future reference.
J) The account opening form and KYC along with other necessary documents are kept in
a serial order as per account number for future reference.
K) The procedures for opening fixed, current and saving account in SRBL are all most all
same. Another task done under account opening operation is account closing. People
close their accounts because of many reasons. The client desire to close the account,
sometimes the bank may close (in case unable to pay debt), in case of client, instantly
etc.
• Account Closing Procedure:

A) Closing an account is just opposite of account opening. Opening of the account can be
taken as the contract between bank and customers whereas closing of the account is
termination of the contract. SRBL account can be closed in the following ways:
B) At the request of the customer: Customer has the full right to close the account. Just
he/she has to fill up the account closing form with the necessary details as account
number, signature, name, reason for closing the account. He/ She has to return the
remaining cheque leaves and debit card to the bank. It is checked from the database at
Pumori. Before closing any account bank staffs verifies the signature, check all the
liabilities of the customer in the bank as LC, Guarantee, Loan, Locker etc. and
administration department signs on account closing form so as to confirm the particular
customer do not have any liability remaining with the bank. The charge of the account
closing is Rs. 200. If he/she is unable to return the remaining cheques leaves and debit
card additional 100 for cheque and 200 for debit card is charged.
C) At the initiative of the bank: Especially in case of fixed deposit account bank closes
after the expiry of the time period. The amount of the fixed deposited is transferred to
other normal account of the customer as per mentioned in the form. On the other
instances the bank has no right to close bank account without consent of the customer.
D) Blocking the account: Banks block the account of the customer in the following cases:
o In case of valid notice of lunacy or the death of the account holder.
o In case of the receipt of the “garnishee order” from the court regarding the account

18
 o In case of blacklisting of client.
E) All the documents relating to the account closing of the customer should be filed
separately along with the application form of the customer for future references.
• Signature Scanning
Another task carried out in CSD was signature scanning of saving and current account holders.
At first account opening form is placed in the scanner and using photoshop, signature along
with photo are scanned for saving account holders and registered in their respective accounts
and for current account holder logo of the firm along with signature of each member is scanned
and registered in their respective accounts. In the same way, Intern performed the task of
updating the signature, photo, logo of respective account holders in case those who want to
change logo or signature or photo or in case of misplacement, new account opening and KYC
update.
• Customer Counselling
CSD is also known as help desk. So, customers can ask anything related to the bank and its
functions, Answers were provided to the customer properly and politely. Information related
to opening of an account, interest rates, loan procedure, etc. were given to the customers.
• Statement Issuance
It is the responsibility of the CSD to generate account statement of customer upon the demand
from customer. The bank statement shows the transaction occurred during certain time period
as well as the remaining balance in the account. The bank statement is given to the account
holder. Usually, bank statement is provided to the customers quarterly. But sometimes it is
provided if customer ask for it
• Issuing Cheque Book
After the previous cheque book is finished, customers ask for the new cheque book submitting
the slip provided by the bank with authorized signature. New cheque book should be given to
the customers after proper inquiry and verification of signature.
First of all, signature, name and account number were verified. Secondly, cheque number was
posted in the software with proper supervision of CSD employee. And at last, cheque was
posted in the ledger and was issued to the customer.

• Balance Inquiry
The client sometime may need to know his/her remaining balance in order to withdraw money
urgently. So, in this, the intern provides the balance information.
• Provide ATM and Pin
ATM is a computerized telecommunication device that provides customer a method of
financial transactions without the need of human clerk or bank teller. The ATM is provided to
all the account holders but he/she need to fill up the ATM request form/renewal form. ATM
charges is deducted from the bank account automatically.

19
The intern provides the ATM and PIN only after the card number was posted in the ledger and
verification on signature of the customer.
• KYC Update
KYC is an abbreviation for “Know Your Customer”, a term used for customer identification
process. It involves making reasonable efforts to determine true identity and beneficial
ownership of accounts, source of funds, the nature of customer’s business etc. which in turn
help the banks to manage their risk prudently. The objective of the KYC guidelines is to prevent
banks being used, intentionally or unintentionally by criminal elements for money laundering.
KYC has two components Identity and Address. While identity remains the same, the address
may change and hence the banks are required to periodically update their records.
• Help customer filing cheque, deposit voucher
Intern helped customer to fill up on the cheque and on deposit voucher, Intern filled account
no, account holder’s name, drawer’s bank name for deposit voucher.

Clearing Department
• Clearing and Settlement
Electronic Cheque Clearing (ECC) is an imaged-based, cost-effective, MICR cheque
processing and settlement solution where an original paper cheque is converted into an image
for electronic processing of the financial transaction between participating member Banks/Fis.
The physical movement of the cheques are truncated or stopped at the level of the presenting
bank in ECC System. The cheque does not physically travel to the clearing house or to the
paying branch as it used to do in manual clearing process, resulting in a faster and easier
processing of the cheque transactions. ECC currently supports cheque clearing of four
currencies NRP, USD, GBP and EUR with presentment cut-off time at 13:00. The cheques are
presented in two forms; normal and express. Extra charge is charged for the express cheque
i.e., Rs. 500 for sending the cheque faster than normal cheques.
• Cash Counter
In cash counter, customers withdraw or deposit the cash. Customers can present the cheque of
any branch of SRBL. The signature is checked and passed on for payment. The cash is
deposited on respective account of respective branches. There is certain charge for ABBS
transaction i.e., 0.05 percentage of amount deposited and withdrawal from account of branches
outside of Kathmandu valley. Charge is only applied for the amount over Rs.100000 for
business entity and Rs.200000 for person. Intern is allowed to post the vouchers in record book.
• Loan Department
Intern was allowed to fill the forms for the annual renewal of loans of the customers, prepare
minute, offer letter, CIC and fill the documents such as promissory notes. The major corporate
lending of the Bank Includes:
o Overdraft loan
o Hypothecation loan

20
 o Structured Overdraft Secured Against Government Bonds
o Loan Against Government Bonds
o Loan Against Rastriya Banijya Bank Fixed Deposit
o Pledge Loan
o Priority/Deprived Sector loan
o Trust Receipt Loan
o Term Loan
o Hire Purchase Loans
o Rastra Sewak Loan
3.2 Problem Solved
After analysing the problems, intern has tried best to solve some of them. In addition to those,
here are the possible solutions to those problem which could not be solved from the level of
intern:
o Problem regarding account opening
o Problem regarding account closing
o Problem regarding ATM cards
o Problem regarding e-banking, SMS banking and mobile banking
o Problem regarding changing rules and regulations
o Problem regarding dissatisfaction with service and facilities provided by bank
o The customers were confused about different saving schemes like normal saving,
student’s savings, Mahalaxmi savings and others. For this, they were provided adequate
information about the different schemes and their features.
o Problem regarding changing rules and regulation. Provide knowledge to the customer
about KYC update
Remittance department where both the inward and the outward cheques are handled. An
individual might receive payments via cheques of various banks. ECC (Electronic Cheques
Clearing) is a software mechanism that brings together all its members (financial institution)
for clearings of the cheques. The cheques of those financial institutions that are not the member
of ECC are cleared in the clearing section of the NRB.
The activities done in clearing section are:

• Receiving the cheque for clearing and endorsing the cheque

• Making entry in the Globus system for clearing
• Informing the client in case of cheque return
• Returning the rejected cheque to the respective clients and maintain proper records
• Handling queries of the customer regarding their cheques sent for clearing
• Going NRB for observation of clearing procedures carried out by banks

21
 CHAPTER FOUR
CONCLUSION
4.1 Conclusion
An internship course of BBA has its own significance, which makes the students to complete
graduation in real world exposures of theoretical knowledge. Internship provides the
opportunity of gaining the practical knowledge and observing the real application of theoretical
aspects. Some facts about the privacy and systematic approach of the organization were
revealed. Internship has helped to explore the fundamentals of banking system.
Coordination and integration of various departments in banking systems is a must. Banking
organization is divided into various functional areas which are interlinked, interconnected and
interdependent with each other. If there are no team efforts then no organization can achieve
its organizational goals. Therefore, there must be cooperation and support within the staff of
the overall functional areas to be successful.
The bank should value the customer needs and solve the problems as soon as possible as tight
competition between them is taking a massive form. This helps to retain and maintain existing
customer by providing service up to their expectations. It should take various customer
feedbacks and provide them prompt and convenient services. These were observed as an intern
in SRBL.
SRBL has been successful to create its own image within the country, and it is also successful
to create the banking relation with most of the countries of the world. It is capable to render its
services necessary for export and import to any businessperson of the world. SRBL is playing
a leading role in banking industry through its innovative products and services that match the
customer’s expectations.
4.2 Lesson Learnt
This internship report is based on internship done at Sunrise Bank Limited, Birgunj Branch
The lessons learnt are as follows:
1. Interpersonal Skills
Internship training helped to maintain good relationship with the customers. It helped to
enhance interpersonal skill by learning ways to interact with people. Positive attitude is must
in maintaining a good relationship. Being friendly with co-workers and giving respect to
superiors and love subordinates is important.
2. Time Management Skills
It is very important to manage time everywhere, mostly when someone is waiting for you to
get his job done. Customers’ issues have to be addressed very efficiently and fast. While
working as an intern in any organization, one becomes member of that organization. The rules
and regulations bind every single employee in organization. One of the professional skills
learned is time management skill. One becomes strictly punctual regarding arrival and
departure time.

22
 3. Network Skill
During the internship, clients from various professional background had to be faced daily.
Maintaining good relationship with those clients helped to develop network. Also,
familiarizing with supervisor and other bosses of various departments helped to create positive
image in their perception.
4. Team Working Skills
The layout and work flow in RBB is designed so as to work as a team. The staffs have to work
as a team. Communication and coordination with other internee, department and employees
helped to develop teamwork skills.
5. Work Ethic
When associated with any organization, work ethic is crucial factor. RBB has its set of culture,
Ethics and norms. Being involved RBB, one gets opportunity to work under physical
environment guided by its culture and norms.
6. Personal Evaluation
One of the most important learning during internship is that it helps individual identify internal
strengths and weakness. Interns are exposed to real world situation so if they are capable to
learn and use their skills to perform any tasks, it proves to be their strengths and if they could
not, it shows their weakness.
7. Emotional Stability
No matter what mood you are in, once you are inside your workplace, you need to
focus in your work rather than your mood swings. The personal emotion should not
be reflected on work which is very important in work career. Stability in mood while
handling customers and interacting with others is very essential at workplace.

8. Communication Skill
Communication is very important in every organization. Communication brings people
together. During internship one understands that communication is most to deal with clients.
The more one interacts with staffs and customers, more communication skills get improved.
Therefore, internship is a platform to improve communication skill. The more you start
communicating, the more you get confident.
9. Skill
During the last day of internship, new intern was placed in the department so that he could be
taught how activities are done in the department and can take place soon. Detail information
regarding the operation and activities, proper guidance, and supportive environment was
provided to him so that he could learn in favourable working environment.
10. Technical skill
Sunrise Bank uses Finacle program to calculate data and operate daily activities
o Big data analysis like calculating and compiling statistics, data mining, modeling etc.

23
 o Coding and programming of applications, design, hardware, language, network
security.
o Project management like benchmarking, engineering, operations and task management.
Social media experience like blogging, twitter, and web analytics
4.3 Observed Gap
Theory is what the student study from the book and practical is what the student does in the
practical life. In theory, student learns basic things of the subjects but in practical student know
how to utilize that theory in their daily life. The gaps between theoretical and practical
knowledge of the student about banking sector are as follows:
I. Student study about different department of banking sector but in real all the department
might not be in bank.
II. In theory the different facilities provided by the institution is studied but all the
institution cannot provide all the facilities to the customers.
III. In theoretical knowledge student only get a chance to know out surface but in practical
student gets the chance to know the organization entirely.
IV. While studying student know only the problem of organization in written but while
facing the problem in work and do the solution of that problem was the practical work.
V. The applicability and usefulness of business education to real-life business can be
known from the practical knowledge.

4.4 Feedback to SRBL

SRBL is a commercial bank which is becoming popular day by day. There is somehow negative
impact upon the general public about the banking business due to delayed claim settlement i.e.,
not to fulfil the claim full and management audit of company. There are some recommendations
for efficiency and effectiveness in performance which are as follows:
I. Offering variety/wide range of products
There is no variety in the products. Majority of banking products are sold directly through the
bank. Products are sometimes pushed by intermediaries without limitations of the policy,
leading to a sense of dissatisfaction among customers. There is an immediate need for
simplicity in wording of contracts. High variety of products offering will help to leverage their
expertise further and it helps to extend their role in serving the customers need.
II. Focus on target customers
SRBL has to collect customer by providing different services to the customer. SRBL feel hard
to collect the customers because the competitive organization may attract the customer by
different schemes. The business sustainability is possible only through the satisfaction of the
customers. Marketing department should use the prompt and effective promotion skill to attract
customers towards the banking business. This the one way to attract the customers towards the
business.

24
III. Job enrichment and rotation
Job enrichment and job rotation helps to increase the job commitment of employee. They will
feel more responsible and more autonomy towards the work which can lead to better service
and operation. Therefore, SRBL should introduce job rotation and enrichment.
IV. Proper employee allocation
Overemployment in the other department and lack of employee in the customer service
department reduces the productivity of the organization, Therefore, they need to allocate the
employee according to work pressure in the department.
V. Need of timely monitoring and supervision
Supervision and evaluation are essential in order to have information about the employee inside
the working environment. The supervision and evaluation techniques seem to lack behind in
SRBL. Day to day observation of working environment, work process and the performance of
the employee is quite necessary to collect information about the work flow. So, proper and
timely supervision and monitoring system should be implemented timely to improve the
performance and know about the working behaviour of the employee.

25
Appendices 1

List of Commercial Banks in Nepal

S.N. Name of Commercial Bank Year of establishment
(In A.D.)
1 Nepal Bank Limited 1957
2 Sunrise Bank Limited 1966
3 Nabil Bank Limited 1984
4 Nepal Investment Bank Limited 1986
5 Standard Chartered Bank Limited 1987
6 Himalayan Bank Limited 1993
7 Nepal SBI Bank Limited 1993
8 Nepal Bangladesh Bank Limited 1993
9 Everest Bank Limited 1994
10 Bank of Kathmandu Lumbini Limited 1995
11 Nepal Credit and Commerce Bank Limited 1996
(Previously known as Nepal Bank of Ceylon Limited)
12 Machhapuchre Bank Limited 2000
13 Kumari Bank Limited 2001
14 Laxmi Bank Limited 2002
15 Siddharth Bank Limited 2013
16 Global IME Bank Limited 2007
17 Citizens Bank International Limited 2007
18 Prime Commercial Bank Limited 2013
19 NIC Asia Nepal Limited 2009
20 NMB Bank Limited 2009
21 Prabhu Bank Limited 2009
22 Mega Bank Limited 2009
23 Janata Bank Limited 2009
24 Civil Bank Limited 2010
25 Century Commercial Bank Limited 2011
26 Sanima Bank Limited 2011
27 Agricultural Development Bank 1967

(Source: Wikipedia)

26
 REFERENCE

https://www.scribd.com
https://www.sunrisebank.com.np
https://www.slideshare.net

27
Annexes

Figure 3: Organizational Structure

28
 Figure 4. Financial growth of Sunrise bank

29
Figure 5. Analysis Of Bank’s Progress

30