The purpose of this program is to acquaint the students with practical applications of theoretical concepts taught to them during conduct of their BBA IT program. Really, it was a nice opportunity to have a close comparison of theoretical concept in practical field, involving the use of primary and secondary data. This Report may depict deficiencies on my part but still it is an output of a student efforts, for which I beg pardon. The out put of my analysis is summarized in a shape of Internship the contents of the report Shows the detail of sequence of these. The report is concluded with problem and suggestions.

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Emoticon Emoticon. Internship Report. Internship Report on Himalayan Bank Limited. It aims to provide quality education through quality and professional courses. BBA is four years international standard program consisting of eight semesters along with internship program. Thus, BBA program is a blend of theoretical and practical knowledge on the financial sector enabling the students in understanding business environment and solving practical business problems. It also aims to develop creative, socially responsible and skilled professionals who are able to carry out the responsibility of middle level managerial positions in the rapidly growing business sector in Nepal as well as abroad.

Theoretical knowledge is not sufficient in this competitive and complex business world. Thus, in the eight semester of BBA program, student is required to work in financial institution for at-least eight weeks, where they can experience real situations of work environment in the organization.

It also helps in understanding organizational environment and work culture. Internship program enables in acquiring skills and techniques by experiencing practical work situations directly applicable to develop career on financial sectors.

It may also create the opportunities for placements in the same host organization or other organizations. After the completion of internship program, it is required to prepare the report to be acquainted with what the student have learnt in the host organization over the internship period. It helps to share the experience of student along with problem faced by them.

The specific objectives of this study are:. This internship report is based on research methodology. It helped to analyze the data in finding the cause and effect relationship to see how bank is performing. Since, research is a scientific discipline; it needs much more attention on the part of the researcher. Decision about the organization selection for the internship program is very crucial task due to existence of different financial institutions in the Nepalese financial market.

Internship from a reputed organization definitely enlarges the prospects of gaining more practical knowledge and also enhances confidence of every student. Since I did specialization on Banking and Finance I selected to do internship in the Banking institution to boost my knowledge.

As commercial banks are 'A' class financial institutions I chose them among other financial institutions. I dropped the college recommendation letter and personal application with resume in Himalayan Bank Ltd. Further, I did regular follow—up with the human resource department of HBL. There I got an opportunity to work in different department such as bills and remittance department, customer service department, trade finance, customer relation department, credit management and administration department.

The task was assigned as per the requirement of the different department under the supervision of respective department head. I was fortunate enough to gain knowledge on various departments under proper supervision of department heads and staffs during the internship period.

I presented myself with full confidence and well-disciplined in this institution and created mutual trust among the staffs and got the opportunity to learn functioning of different departments. The duration of internship period has been declared for minimum 8 weeks by FOM, Tribhuvan University.

During eighth semester, student should complete internship acquire six credit hours. In this period I was placed in various departments so that I could develop knowledge about various activities performed in each department making me able to achieve practical; disclosure to functioning process.

Table 1. Bills and Remittance. Customer Service. Letter of Credit. Customer Relation. Credit management and administration. The primary as well as secondary information has been used to prepare this report.

Observation during internship in HBL. Questionnaire with employees and customers of HBL. Files, registers, computer data. Internet Surfing. Reports and Brochures. Publications and journals. Every activity is chase by the boundaries and limitations. So, the same tendency happens while preparing this internship report. Some constraints faced during preparing this report are listed below:.

Ashad, bank's staffs have excess workload due to which they cannot supervise the intern properly. And people around the world start to use different words for their convenient like in French 'Banque', Latin 'Bancus', and German 'Bank'. At ancient times, bank means moneylenders who sat in the bench for keeping, lending and exchanging of money in the market place. A bank is an institution which deals in money receiving as deposits from customers, honoring customers drawing against such deposits on demand, collecting cheques for customers and lending or investing surplus deposits until they are requires for repayment.

It allows interest on the deposits made and charges interest on the loans granted and further it creates credit and supports for the formation of capital and hence it is regarded as manufacturer of money. In simple, bank is an institution which deals with money and credit. Nowadays, a bank has broadened its scope by providing financial as well as non-financial services to its customers. To give specific meaning of bank is very difficult task however following are the few definitions given by different authors.

From the above definitions, we draw the conclusion that a bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. It is the most important financial institution dealing with money, receiving it as deposits from customers, honoring customers drawing against such deposits on demand, collecting cheques for customers and lending or investing surplus deposits until they are required for repayment.

Thus, bank receives demand deposits and time deposits, honors instruments drawn on them, and pays interest on them, makes loans, and invests in securities, collects cheques, drafts and certifies depositor's cheques and issues drafts and cashier's cheques. The difference in interest rate on lending and deposit, interest rate spread, is the major source of income for the bank.

Interest on lending is higher than the deposits. The history of banking is nearly as old as civilization. In the Babylon, at the time of Hammurabi, in the 18th century BC, there are records of loans made by the priests of the temple.

The concept of banking has arrived. When the word bank is used it is meant for commercial bank. However, in the temple Babylon the practices of safeguarding and saving flourished as early as B. Chanakya in his Arthashastra written in about B. Merchants and goldsmith were ancestors of bank. The 'Bank of Venice', established in A.

Originally, it was not a bank in real sense being simply on office for the transfer of the public debt. Venice, after being possibly the first city to found a bank for the keeping of money on safe deposit and the clearing of cheques, is also a pioneer in the involvement of a bank with state financiers.

In the BancoGiro is established to solve problems encountered by the earlier, which has got into trouble through the making of unsecured loans. Subsequently, 'Bank of Barcelona' and 'Bank of Geneva' were established.

During the 18th century the Bank of England gradually undertakes many of the tasks now associated with a central bank, The 'Bank of England', first English Bank, was established in A. It organizes the sale of government bonds when funds need to be raised. It acts as a clearing bank for government departments, facilitating and processing their daily transactions.

They used to do their trading activities by remitting the money from one place to another. The next stage in the growth of banking was goldsmith. An honest goldsmith was also trusted with billions money and ornaments by merchants in neighborhoods.

He started charging for acting as custodians of these valuables. As an evidence for receiving valuables he issued a receipt, which in turn became like cheques as a mode of exchange. He started advancing the coins on loan by charging interest. He started to keep some reserve as a safeguard. In this way the goldsmith money lender became a banker who started performing the two functions of modern banking that of accepting deposits and advancing loans. Banking service is the oldest service industry in Nepal.

It has gone through various stages of evolution and development since the Vedic times to B. In the Nepalese chronicles, it was recorded that the new era known as Nepal Sambat was introduced by Shankhadhar, a Sudra merchant of Kantipur in A. The banking in the form of money leading can be traced back in the reign of Gun Kam Dev towards the end of 8th century. According to the historical evidence in Gun Kam Dev, the king of Kathmandu had borrowed money to rebuild and to rule Kathmandu.

In the 11th century, during Malla regime, there was an evidence of professional money-lenders and bankers. It is further believed that money-lending business, particularly for financing the foreign trade with Tibet, became quite popular. Another historical example as to the pre-modern banking system is found when Rana Prime minister Randip Singh was administering Nepal in A.

Although this institution did not accept any deposits, it had played an important role in the development process of banking system in Nepal. Modern banking business started in the country just before the Second World War. In state financial institute which supply credit or loan against security. His Majesty King Tribhuvan inaugurated first commercial bank i. Nepal Bank Limited on Kartik 30, B. In the year B. Until then all monetary tractions were carried out by private dealers and trading center.

The need to regulate financial and monetary system increased enormously resulting in the establishment of Nepal Rastra Bank in B.


HBL Internship Report

Submitted To : Col. Imtiaz A. Who gave me the strength, patience, courage and enthusiasm needed to write and complete this report, then to my friends who assisted me in this effort and we worked daylong to accomplish this assignment and to my parents who supported me financially and encouraged me morally. I have a debt of gratitude to all my teachers who taught me throughout my academic career. I am very thankful to the honorable internship incharge. I learnt a lot from this training program and this would guide me a lot while selecting my career.



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Assignment Point - Solution for Best Assignment Paper

Internship is a way to get experience practically in some organization. This is the way to understand the working environment of some good organization. During the internship I got the experience to work in different departments. Chapter 01 Introduction 1. Special stresses are given on theory and practice them under an organization.

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