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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2. Remittance department 3. Loan department

1.3.3 Duration of internship

The Tribhuvan university faculty of Management has allotted the 8 weeks or 6 credit hours of working time in any organization. I was allowed to work for 8 week in the various departments by the Nepal Credit and Commerce bank (NCC). The internship was really helpful for me in understanding the real working condition of any organization. During my internship period I was placed in chabahil branch of NCC bank for 8 weeks.

1.4 Limitation of study

The course has been conducted as a partial fulfillment of the degree of bachelor in business administration. 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. So the analysis was done only in a single part. Inaccessibility of a data and information which could have helped out more to prepare this project and its analysis could have been much better.

1.5 Activities performed in organization

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As being the student of finance and bank I did my internship from Nepal Credit and Commerce bank of chabahil branch. I was involved in bank day to day activity in regular working hours. I was placed in different departments during my 8 week internship period. I worked in customer service department mostly, but I was also place under the loan department. I got idea regarding dealing with customers, got informed about the schemes and questionnaires introduced by bank, different service provided by the bank. In customer service department I got to deal with the customer by providing them the information about the bank, filling forms and helping them with the different problems. In loan department I came to know about the letter of credit and guarantee, parties involved, types of loan and letter of credit.

Fig: working pattern (week) in bank. I spent considerable time on customer service department. I was placed under this department to develop my relationship and skills with the customer of 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.

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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. 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.

Chapter 2 Brief introduction of the industry

2.1 Concept of Banking
Bank is a financial institute which is involved in monetary transaction. It is an institution which collects deposits from surplus holder and provides credit to deficit holder. Bank creates credit in productive sector, by providing loans to traders, industrialists, and businessman. Banking has come to todays advance form by getting through various stages. Traditional banking has first come in trace during the civilization of Greek, Roman and Mesopotamia. According to Alfred Marshall , in Greece, the temple of Delhi and other safer places acted as store for the precious metals before the day of coinage and in later times, they lent out money for the public and private purpose at interest though they paid none for themselves. Despite strong criticism from the church for charging interest, the seed of modern banking were sowed in the medieval Italy. Bank of Venice set up in 1157 in Venice. Italy is regarded as the first modern bank. Bank of Barcelona (1401) and bank of Geneva (1407) were established subsequently. In 1964 A.D. the bank of England was established as a joint stock bank.

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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.S. law Any institute offering deposits subject to withdrawal on demand making loans of commercial or business nature is a bank.

2.2 Evolution of Bank

The modern word bank is supposed to have been derived from the word benko which means BENCH. The early banking is however closely associated with the business of money changing. These modern banks gradually replace the goldsmith, merchants and the money lender of that time. Bank of England and Bank of Hindustan was first bank of its kind but they were unregistered in law. In 1833 banking act was introduced which allowed the opening of joint stock bank. Due to the banking act the idea of opening the commercial bank spread all over the world. Linguistic (the science of language) and the etymology (the study of the origin of words) suggest an interesting story about the word bank. Both the old French word banque and an Italian word banca were used centuries ago to mean a bench or money Changers table. 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. Thus the word banking has been used to donate a certain kind of trading in money. A bank is therefore a corporation that deals in credit. It accepts deposit from the public, withdrawing by cheques and advance of loans of various sorts. The modern economic system cannot function without banks. According to the modern concept, banking is a business that not only deals with the borrowing, lendings and remittance
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of funds but also important instrument for forecasting the economic growth. Presently, there are various types of banks, which are established for instance, industrial banks, commercial banks agricultural banks, joint stock banks, and co-operative banks with different purpose.

2.3 Evolution of banking sector in Nepal

The development of banking system in Nepal is not so long in comparison with the neighboring countries. As in the other countries, goldsmiths and landlord were the ancient money lenders and depositors of Nepal. The history of banking in Nepal traced back to 1877 A.D. When Tejarath Adda was established by government to provide credit facilities to general public, the unorganized institution although quite underdeveloped could still mobilize funds from wide range of different sources. Although Tejarath Adda was established, it was not able to facilitate the growing trades with India and Tibet. Thus a need of modern banks had become essential to promote the trade of nation. In the year 1923, treaty of peace and friendship were conducted between government of Britain and government of Nepal. As the treaty, Nepal could carry important trade free of duty via India. Udhyog Parishad helped in the opening new avenues for the advent of banking, industry and commerce in Nepal which helped in the growth of economy of the country. A year after its formation it formulated the company act and the Nepal bank act in 1937 A.D. which established the Nepal bank limited with the technical co-operation of the imperial bank of India, as the first commercial bank of Nepal. Before 1956,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. During that period the India currency along with Nepalese currency was circulating in the economy. 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, 1956.

The NRB mainly focused on eliminating dual currency system prevalent in Nepalese market. The NRB tried to decrease the circulation of Indian currency, replacing it with the
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Nepalese currency in various trades. The initiation of the Nepalese currency Act, 1958 and the opening of banks branches in various part of the country were the major steps undertaken by the bank. There was other government banking institution. Rastriya banijya bank, a state owned commercial bank was established to deal with finances related to land reforms. There were two other specialized finance companies, Nepal industrial development corporation (NIDC) established in 1959 with United state assistance to offer finance and technical assistance to private industry. The co-operative bank, which became the agriculture development bank 1967, was the main source of financing for small agro business and cooperatives.

2.4 Commercial banks in Nepal

The commercial bank is one of the oldest forms of banking. In general, 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 commercial banks are banks that pulls together the scattered saving of the community and arrange it for their productive use and profits. They accept deposits from the general public and use the money to help community by generating loans to needy individuals. 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, which can lead to the economic growth. In context of Nepal, the first commercial bank Nepal bank limited was established in 1937 A.D and the second Rastriya banijya bank was established in 1966 A.D. Nepal has opened its door to foreign commercial banks in the kingdom almost decade back. As the country followed economic liberalization, there was massive entrance of foreign banks in Nepal. Consequently, Nepal Arab Bank was established in 1985 A.D. Similarly, the Nepal Indosuez bank was established as a joint venture between Nepal and France in 1986 A.D.

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However, the legitimate entry of commercial bank with full fledged banking function led to the rapid growth of the banking system. However, with the introduction of the licensing policy, a number of commercial banks came into existence. 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. Before 2047 B.S. the number of commercial bank in Nepal was negligible and other financial institutes were nonexistent. Today, there are many commercial banks (licensed and not licensed), finance companies, development bank and a central bank and Nepal rastriya bank. But major of this organization are all situated or has focused on the capital itself. Moreover the banks and financial organization are centralized in capital with different branches.

2.5 List of Commercial banks in Nepal

Table 1: list of commercial banks
Operation Date Head Office (A.D.) 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. In Million) 380.40 1172.30 10777.50 965.75 1606.07 932.00 1216.20 874.50 744.10

S.No

Names

1 2 3 4 5 6 7 8 9

Nepal Bank Limited Rastriya Banijya Bank Agriculture Development Bank Ltd. NABIL Bank Limited Nepal Investment Bank Limited Standard Chartered Bank Nepal Limited. Himalayan Bank Limited Nepal SBI Bank Limited Nepal Bangladesh Bank Limited 10 | P a g e

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 691.40 8 1995/03/1 Bank of Kathmandu Limited Kathmandu 603.10 2 Nepal Credit and Commerce Bank 1996/10/ Siddharthanagar,Ru 1399.50 Limited 14 pendehi 1998/07/1 Lumbini Bank Limited Narayangadh,Chitawan 996.31 7 Nepal Industrial & Commercial Bank 1998/07/2 Biaratnagar,Morang 1140.50 Limited 1 2000/10/0 Machhapuchhre Bank Limited Pokhara, Kaski 1314.64 3 2001/04/0 Kumari Bank Limited Kathmandu 1078.27 3 2002/04/0 Laxmi Bank Limited Birgunj, Parsa 1098.10 3 2002/12/2 Siddhartha Bank Limited Kathmandu 952.20 4 2007/01/0 Global Bank Ltd. Birgunj, Parsa 1000.00 2 7000.00 Citizens Bank International Ltd. 2007/6/21Kathmandu Prime Bank Ltd Sunrise Bank Ltd. Bank of Asia Nepal Ltd. Development Credit Bank Ltd. NMB Bank Ltd. Kist Bank Limited 2007/9/24Kathmandu 2007/10/1 Kathmandu 2 2007/10/1 Kathmandu 2 2001/01/2 Kamaladi, Kathmandu 3 1996/11/2 Babarmahal, 6 Kathmandu Bijuli Bazar, Kathmandu 700.00 700.00 700.00 1107.50 1000.00

Chapter 3 Introduction of Nepal credit and commerce bank

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3.1 Background:
Nepal credit and commerce bank formally registered as Nepal bank of Ceylon ltd. It started its operation on 14th October, 1996 as a joint venture bank with bank of Ceylon, Sri Lanka. It was the first private sector bank with the largest authorized capital of NRS 1000 million. The name of the bank was changed to Nepal Credit and Commerce (NCC) on Sep 10 th, 2002. The banks head office is located at Siddhartha Nagar, Rupandehi, and the birth place of Lord Buddha. While its corporate office is located at Bagbazar, Kathmandu. At present bank provides facility and service to rural and urban area of country through its 17 branches. The bank has also developed agency relationship with more than 150 international banks having worldwide network. Bank has a present capital of: Authorized capital Issued capital Paid up capital Rs 2 billion Rs 2 billion Rs 1.4 billion

Table 2: showing various capital of bank NCC bank has been working on Nepali environment for very long period of time. 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. The bank has provided various service and facility to the people in many areas as well. The bank is providing its services through wide network of 17 branches across the nation and over 150 correspondents across the globe. All the major branches of the bank are connected through anywhere branch banking system (ABBS), a facility which enables a customer to do banking transaction from any of these branches irrespective of their account in any other branches. 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

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sales across the nation. The bank has reached out to customer in many places through ATM service for convenience of the customer and travelers. Bank is using the most popular software for the banking purpose like others. Pumori plus is one of the most popular software for banking that is used across the country in many bank. Likewise, NCC bank is also using the same software for its banking purposes. 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. 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, very small Aperture (VSAT) and radio modem for networking. SWIFT for international trade and transfer of the funds around the world, correspondent banking relation with over 150 banks worldwide for effective and proficient execution of international trade and remittance activities, gamut of corporate and retail banking service and centralized banking operation for better risk management, consistent service deliveries and lowering the operation cost.

3.2 Corporate Vision:

Bankers with the quality service strive for expansion with profitability professionalism and personalized the banking.

3.3 Corporate Mission:

We at NCC bank, 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.
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3.4 Objective of Corporation:

NCC bank was established with the objective of stimulating the Nepalese economy and taking it to the new heights. We further aim to facilitate the nations economy and become more competitive globally. To mobilize the local saving and channeling them into productive area. To use the latest banking technologies to provide better, reliable and efficient service at a reasonable cost. To facilitate trade by making financial transaction easier, faster efficient and reliable through the relationship with foreign banks and money transfer agencies. To contribute to the overall socio-economic development of Nepal.

3.5 Product and services of NCC bank

3.5.1 Saving Products
Jestha Nagarik Suraksha Khata Mahila Suraksha Khata Saving Plus Bal Suraksha Khata Karmachari Bachat Khata Shareholders Deposit Account Normal Saving Account

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3.5.2 Services
Money Transfer Bill Payment ATM cards Remittance Safe deposit lockers

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Chapter 4 Analysis of Activities done and Problem Solved

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

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4.1.1 Customer counseling:

This is the most important function of customer service department. 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. There are various kinds of products and services available in this organization. This department helps to provide detail information regarding these different products and services of bank. Product counseling: Providing information regarding deposit products is one of the ways of counseling the customers. There are various kinds of deposit by this branch. 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 6.0% p.a. 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, 5,00,000/Free Medician Insurance Up to Rs, 10,000/-

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b) NCC Karmachari Bachat Khata

Minimum Balance: Interest Rate: Interest Capitalization: Special Features

NPR 1,000.00 7.5% 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, 5,00,000/Free Medician Insurance Up to Rs, 10,000/-

c) Mahila Suraksha Khata

Minimum Balance: Interest Rate: Interest Capitalization: Special Features

NPR 1,000.00 6.5% p.a. 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, 5,00,000/Free Medician Insurance Up to Rs, 10,000/-

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d) Shareholder's Deposit Account

Minimum Balance: Interest Rate: Interest Capitalization:

NPR 1,000.00 7% p.a. 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, 5,00,000/Free Medician Insurance Up to Rs, 10,000/Unlimited Withdrawal/Deposit

e) Saving Plus Minimum Balance: Interest Rate: Interest Capitalization: NPR 10,000.00 8% p.a. On Daily Balance Quarterly

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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, 5,00,000/Free Medician Insurance Up to Rs, 10,000/f) Fixed Deposit 1 Month 3 Months 6 Months 1 Year - 2 Years 6.00% 6.50% 9.00% 11.50%

Service counseling: NCC bank, Chabahil also provides various kinds of services, the information about these services are only provided by customer service department only. Various forms of services provided by this bank are as follows:
E- Banking facility.

Automated teller machine.(ATM) Any branch banking Service (ABBS). SMS Banking (m alert) Western Union Money Transfer

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E-banking: I touch is a name given to internet banking by BOANL. 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. Using NCC Debit Card you can withdraw cash as well as purchase goods from several merchants. You can use this card at any ATM/POS terminals that is under SCT network. You can withdraw upto Rs. 16,000/- at a time and 40,000/- in a day. It provides secured transaction with no queue hassle at Bank. 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. SMS Banking: This facility of NCC bank alert customer about any transaction being held in their account like amount deposit or withdrawal. Western Union Money Transfer: NCC Bank has relation with Western Union Money Transfer through NABIL Bank. We are the agents for receiving the fund transferred through Western Union Money Transfer. We are here to help you receiving the fund through thousands of agents located worldwide. It is the fastest and premium fund transfer system. The sender will have a MTCN (Money Transfer Control Number) which will be sent to you by telephonic conversation, email, Fax etc. and you know the senders name, amount etc, you can obtain the fund at any of NCC Banks Branches within the shortest time by just filling up a form and submitting an identity. You do not have to maintain an account with us.

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4.1.2 Account operations

The next important function of this department as specified by the above mentioned diagram is account related operations. Broadly speaking, two major functions are done in account operations which are as follows. Account opening. Account closing.

Account Opening:
It is the most frequent activity done in this department. On an average total seven to ten account open in a day. However, at the time of new deposit scheme launched by Nari Shakti, Shareholders account, the number of account opening has increased and customer also comes to transfer their existing account to new account due to its good facilities.

Documents needed for individual saving account Obtain standard set of account opening documentation duly filled in with all the pertinent details. Obtain citizenship. Obtains photos customer. Mark all copy documents (if any) as original seen. Interview the customers and update KYC form. Open account into the system.

Documents needed for minor account Obtain standard set of account opening documentation duly filled in with all the pertinent details. Obtain birth certificate of the minor.

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Obtains photos of the minor and guardian. Obtain the certificate of relationship between minor and guardian. Mark all copy documents (if any) as original seen. Interview the customers and update KYC form. Open account into the system.

Documents needed for joint account Obtain standard set of account opening documentation duly filled in with all the pertinent details. Obtain identification card of the customer's. Obtain passport size photo of the account holder. Mark all copy documents (if any) as original seen. Interview the customers and update KYC form. Open account into the system.

Documents needed for Sole proprietorship account Obtain standard set of account opening documentation duly filled in with all the pertinent details. Obtain identification card of the proprietor. Obtain passport size photo of the account holder. Obtain firm registration certificate. Obtain latest / renewed tax / pan certificate. Obtain memorandum and article of association. Mark all copy documents (if any) as original seen. Interview the customers and update KYC form. Open account into the system.

Documents needed for company account Obtain standard set of account opening documentation duly filled in with all the pertinent details. Obtain identification card of the customer's. Obtain passport size photo of the account holder. Obtain firm registration certificate. Obtain latest / renewed tax / pan certificate. Obtain memorandum and article of association. Obtain board resolution to open account at NCC bank. Authority to borrow from bank. The board resolution must clearly state authorized person's name who will operate

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the account. Mark all copy documents (if any) as original seen. Interview the customers and update KYC form.

Account Closing:
Another task done under account operation is account closing. People close their accounts because of many reasons; if customers account exceeds 3 month it charge rs 250 for closing its account and if not they charge rs 500.

4.1.3 Distribution activities

Important service that CSD provide to its customer is to distribute various services that customer gets after opening their 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

4.2 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, Chabahil are as follows:

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 Providing forms and helping them to fill up the form There are various forms in this department to be filled up by customers. The intern helped the customer to fill up the forms. 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. While opening an account for individual customers, the intern had to guide the customers by giving required forms and information regarding opening an account, like, a valid citizenship card or passport, photo etc. The intern also had to check the necessary documents & contents filled by the applicant.

To check if required documents to open the account are missing or not.

The intern was also required to find out if any required documents (photos, citizenship copy, passport, birth certificate of minor accounts) are missing.

Dealing with customers Customers come up with various issues. 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.

Debit Cards Distribution: Interns are also assigned to distribute the debit cards to the respective cardholders. The account holders who want to have the debit card needs to fill up the debit card application form. The time period for the activation of card will be 15 days. ATM of card of NCC is SCT therefore; they can

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use this card in various SCT networks counters all over the country to withdraw cash and even for other activities like, fast cash, balance enquiry.

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. Since customers are requested to collect their cheque book next day, they used to come to collect their cheque book the next day. 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.

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. Filing all the forms after the completion of all the work related to it was also one of the works given to intern. All forms were to be filled in their specific files.

Attaining calls I also handled calls of the customer, 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.

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Chapter 5 Design of system

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

D) USE CASE: Use Case Diagrams can be used to describe the functionality of a system in a horizontal way. That is, rather than merely representing the details of individual features of your system, UCDs can be used to show all of its available functionality. It is important to note, though, 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. A use case describes a sequence of actions that provide a measurable value to an actor and is drawn as a horizontal ellipse. An actor is a person, organization or external system thats 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. Objects are shown at the very top from left to right, while the time flows from top to bottom. Arrows indicate messages and other interactions between objects. A diagram that shows object interactions arranged in time sequence. In particular, it shows the objects participating in the interaction and the sequence of messages exchanged. A sequence diagram includes time sequences but does not include object relationships. A sequence diagram can exist in a generic form (describes all possible scenarios) and in an instance form (describes one actual scenario).

5.2

Overall System Design (UML Diagrams)

During the design of the inventory system the following UML diagram have been used.

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Schema diagram E-R diagram Use Case diagram Activity diagram

Sequence diagram

Chapter 6 Conclusion and recommendation

6.1 Conclusion
The knowledge acquire from this internship at NCC bank is tremendous. The knowledge acquire in the course was relevant and useful to some extent only in the context of the job or function. In the course, 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. 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. However, after completing internship in NCC bank, the working experience help a lot in finance course and other relevant course. It was the opportunity to gain knowledge of the banking sector in practical manner. Actually in colleges, students are taught about the banking sector and the function performed in such sector theoretically. Theory only gives a brief reference about the course which wont be sufficient for the student to compete in real world. The real world or the practical cases are quite different than that student study theoretically. The internship program showed up that all these things are true theoretically only. In the real world, these restrictions actually wont work. It might be due to its strict rules and regulations or something else. As student has already acquired the theoretical knowledge from the course, it was lot easier to get along the procedures of the organization. Besides this, the supervisors were very much helpful in guiding on the internship program. Firstly, the working environment of the bank was very comfortable. Secondly the staffs were very cooperative and supportive, always ready to help and guide us. They were very encouraging as well. The internship period was really proved to be a great experience and knowledgeable
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regarding getting acquainted with the real life scenario of the working environment. It has developed some sort of confidence and commitment in developing the interpersonal skills, qualities and time management.

6.2 Recommendation:
Obviously the internship program provides an opportunity to experience real life organization and made familiar with the working environment. Without doubt, it will be supportive factor for the future. I felt that the organization was focusing more on getting job done through interns. It would be better if bank provides a separate employee as monitor to the intern who can assist and manage in employee training. Besides, the intern should be provided the opportunity to observe, how managers deals with the customers. Organization should provide an opportunity to the intern to us the banking software in spite of their privacy. Organizations should also have a system of getting feedback from the interns. To make an internship program better I would like to recommend that the time frame of intern should increase.

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