AN INTERNSHIP REPORT

GENERAL BANKING SYSTEM: EVEREST BANK LIMITED

SAROJ SHRESTHA
Exam Roll: 14220227
P. U. Registration no: 2008-2-45-0033

An Internship Report Submitted to

Uniglobe College
Faculty of Management
Pokhara University

Submitted for the degree of

Master of Business Administration (MBA- Finance)
New Baneshwor, Kathmandu
20th April, 2016

DECLARATION

This Internship Project Report entitled " An internship report on General Banking
System: Everest bank limited " which is submitted by me in partial fulfillment of the
requirement for the award of MBA ( Finance) degree of Pokhara University comprises
only my original work and due acknowledgements have been made to materials used
in report.

Signature,

Saroj Shrestha
MBA
Uniglobe college

ACKNOWLEDGEMENT

I would like to give my sincere thanks to Pokhara university to grand me opportunity

to work in real environment by keeping the internship program in course. I would
like to extend my courteous appreciation to my internship supervisor of Uniglobe
College, Dr. Professor Radhya Shyam Pradhan for his immense support, valuable
suggestions and kind coordination throughout the preparation of this report. The
preparation of this report would not have been possible without his kind support and
guidance. I would also like to thank Mr. Deepkar Thapa , Coordinator, Uniglobe
College for his guidance and support throughout the internship.
I would also express my deep gratitude to M/s Anju Sharma, Branch Manager. Further
I would also show my deep gratitude to M/s Leena Vaidya for the valuable support.
I would also like to thanks M/S Manaradha Shrestha and Shreedhara Bhusal, for
providing the proper guidance and helps in enhanancing my skill. Lastly, I would also
convey my indebtedness to those who helped me in this project directly and indirectly
throughout the internship period.

Saroj Shrestha
Uniglobe college

TABLE OF CONTENT
3

ACKNOWLEDGEMENT.................................................................................. iii
CHAPTER 1: ORGANIZATION PROFILE..........................................................1
1.1.

Description of Organization....................................................................1

1.2

Organization Mission, Vision and Value statement........................................2

1.1.1.

Mission statement..........................................................................2

1.2.3 Organization objective..........................................................................2

1.3

Organization design and structure.............................................................6

1.4

Financial structure................................................................................ 7

1.5

Organizational Performance....................................................................9

1.6

S.W.O.T. analysis of EBL bank..............................................................10

1.7

P.E.S.T. analysis................................................................................. 12

CHAPTER II: JOB PROFILE AND ACTIVITIES PERFORMED............................14

2.1

Background...................................................................................... 14

2.2 Activities performed in the organization........................................................15

2.2.1 Roles performed in customer service......................................................16
2.4 Internship Key observation........................................................................20
3.1 Key skill and attitude learn........................................................................22
3.2 Feedback to organization..........................................................................23
3.3

Feedback to college............................................................................ 23

Bibliography.............................................................................................. 25

CHAPTER 1: ORGANIZATION PROFILE

1.1. Description of Organization
A bank is defined as a financial institution whose essential operation is to accept
deposit from public and to lend money to entrepreneurs. Banks collect idle or surplus
money from general public by providing attractive interest rate to their deposits and
4

disburse as loan to various individuals, business organizations, industries and

agricultural sectors. Its principle operations are concerned with the accumulation on
the temporary idle money of the public for advancing others for expenditure. Two
major task of the bank is to accept deposit from the depositors and to lend it to the
borrower. Loans are essential aspect of commercial bank First, income from loan
contributes substantially to the revenue and profit of the bank. Second, lending money
to people in the community strengthens the community bank relationship. Third,
lending money spurs business development and supports a growing economy.
Catering to more than 7.5 lacs customers, Everest Bank Limited (EBL) is a name you
can depend on for professionalized & efficient banking services. Founded in 1994, the
Bank has been one of the leading banks of the country and has been catering its
services to various segments of the society. With clients from all walks of life, the
Bank has helped develop the nation corporately, agriculturally & industrially. The
bank is joint ventured with Punjab National Bank which holds 20% equity is the
largest nationalized bank in India having presence virtually in all important centers.
Owing to its performance during the year 2012-13, the Bank earned many laurels &
accolades in recognition to its service & overall performance. Recently, PNB was
awarded with "IDRBT Banking Technology Excellence Award" under Customer
Management & Intelligence Initiatives. The Bank also bagged "Golden Peacock
Business Excellence Award 2013" by Institute of Directors. Similarly, the Bank was
recognized as 'Best Public Sector Bank' by CNBC TV 18. The bank has now more
than 6,635 branches and 8622 (as on 30th sept 2015) ATMs spread all across the India.
As a joint-venture partner, PNB has been providing top management support to EBL
under Technical Service Agreement.
Everest Bank Limited (EBL) provides customer-friendly services through its wide
Network connected through ABBS system, which enables customers for operational
transactions from any branches. The bank has 61 Branches, 84 ATM Counters, 5
extension counter & 22 Revenue Collection Counters (as on 14th jan 2016) across the
country making it a very efficient and accessible bank for its customers, anytime,
anywhere.

1.2 Organization Mission, Vision and Value statement

Every organization has its own mission vision, objectives which show the reasons to
its existences. Vision refers to the long term inspiration of management for its
organization and business. The basic purpose of mission statement is to show the
reason for the organization existence.
1.1.1. Mission statement
"Growth through banking for all"
1.2.2 Vision
To be a Leading Commercial Bank with Pan Nepal presence and become a
household name, providing wide range of financial products and services under one
roof.
1.2.3 Organization objective
There are many specific objectives of the bank but the overall objective that guides
the organization is To become the bank of 1st choice. For fulfilling this explicit
objective, other implied objectives must be fulfilled. These implicit objectives of EBL
are as follows:
I.

To know how different departments of a Everest Bank Limited conduct

their respective duties and responsibilities in an organized way.

II.

To facilitate the reliable, prompt and high standard of banking service adopting
the lasted version banking technology in compliance with the need and demand of the
market.

III.

To develop lifelong relationship with clients and achieve profitability through

customer oriented service and customer satisfaction

IV.

To widespread its branch network in different part of the countries covering at

least one branch on all development regions facilitating large number
of clients as possible.

V.
VI.
VII.
VIII.
IX.

To provide financial help to the General Public.

To encourage industries by providing necessary capitals.
To provide safe deposit to the customers.
To provide various kind of credit facilities such as home loan, education loan etc.
To encourage general public to make saving.
3

1.2 Products and Services of EBL

The bank provides the services to the customers in the country through all its branches
and head Office. The head office is located in Lazimpat, Kathmandu. The company
provides various facilities to their customers that would help them in conducting their
day-to-day business and also provide the facilities of Savings/Deposits and
Loans/Advances. The Bank provides a wide range of services that encompasses the
people from childrens to old aged people of the society. The Bank focuses on
facilitating all the people with innovative products and services from which they can
enjoy multiple benefits. EBL is facilitating its customer with different services that aids
in performing their business activities with higher efficiency and dexterity. Thus
different products provided by EBL are as follows:
Table 1: Types of Loans in EBL
Retail
Home Loan
Vehicle Loan
Home Equity Loan
Education Loan
Future Lease Loan
Professional Loan
Flexi Loan
Bike Loan
Loan Against Life Insurance
Margin Lending
Tractor and Water Pump Finance
Source: (www.ebl.com.np)

Corporate
Working Capital Finance
Trade Finance
Project Finance
Consortium Finance

Table 2: Types of Deposits in EBL

Current

Call

Saving

Fixed

Recurring

FCY

Retirement

Account

Account

Account

Deposit

Deposit

Deposit

Plan

Supreme

Account
Sunaulo

Account
USD

Account

Normal
Saving

Deposit

Bhavishya

Account

Nari

Cumulative

Yojana
Flexi

NRN
4

Bachat

Deposit

Recurring

Khata

Scheme

Deposit

Saving

Cash

Account
SADICHHA

Premium

Certificate

Recurring

Scheme

Deposit

Account

Account
Bal

Unfixed

Bachat

Deposit

Khata
Saugat

Scheme
Pizza

Bachat

Deposit

Khata
Freedom

Scheme

Saving
Source: (www.ebl.com.np)
EBL has never backed in providing the best products and services to meet the
requirement of its customers be that the existing ones or potential customers. EBL is
indeed successful to provide these entire products through the analysis of the
customer feedback form. Customers satisfaction is the paramount driver at EBL. The
different product and service offered by EBL are as follows:
I.

Saving Account: Saving account offers all facilities required for normal
transactions like deposit, payments with additional facility of debit cards, ABBS.
Under the saving account, the various schemes offered by bank includes saving
premium, Sunaulo Bhawisya Yojana, Unfixed Fixed Deposit, Fixed Deposit,
Freedom account, Naari bachat khata, Normal saving account, Student account,
Bal Bachat khata, Saugat bachat khata, USD account, Call Deposit and Current
Deposit.

II.

Current Account: Current account offers the facilities for the corporate and small
businesses. The account have no restrictions on withdrawal limit and have zero
interest rate.

III.

Fixed Deposit: The account provides highest interest rate among all deposits and
locked for specific period of time. The generally provides the service for 3 months
and 1 year.

IV.

Retail Lending: Under retail lending, the various loans offered by EBL are

Housing Loan,

Vehicle Loan, Education Loan, Professional Loan, Loan against

mortgage, Loan against future Lease and Rental, and Loan against shares.
V.

Working Capital Finance: The bank services the working capital requirement of

business by assessing the current asset and liabilities.

VI.

Project Finance: Depending on the projects rate of return, repayment ability, cash
flow and generation of cash surplus various projects are financed.

VII.

Trade Finance: Through an extensive global network that facilitate domestic and
international transaction EBL is able to meet customers need of import, export,
payments through offering facilities like LCs, SWIFT transfers, Guarantees, etc.

VIII.

Consortium Finance: EBL has been arranging for financial closure of various
large projects through leading consortium finance. The bank has offered such services
to various business segments like Hydropower, Manufacturing Industry and Hospital.

IX.

Priority and Deprived Sector Lending: The bank has been extending loan
facilities to priority and deprived sector in the form of direct as well as indirect
lending.

X.

Remittance: In order to facilitate remittances of Nepalese residing in U.A.E,

Bahrain, Kuwait, Qatar, Malaysia and Saudi Arabia, Everest Bank is a step ahead.
EBL is playing a pivotal role in facilitating remittance to and from across globe. The
banks own web based online remittance product. With India remit, the bank has same
day remittance facility with India with association of PNBs 2200 networked branches,
based draft drawing arrangement with 250 PNB branches across India.

XI.

Any Branch Banking Services(ABBS)

The account holder can deposit and withdraw cash from any of EBL branches
without any transaction charge. They are not restricted to a particular branch to
operate their account. However, customer must obtain cheque book and ATM card
from particular branch from where they opened their account.

XII.

Locker
EBL provides a sound and secure place to keep valuables corporate papers or
bonds/ shares certificate or jewelry through locker service. Any person who wants
6

to open the locker must have an account at EBL. Locker margin and charge
depends on the size of locker.
XIII.

Debit Card
EBL debit card is a plastic card which provides an alternative payment method to
cash when making purchases or cash withdrawal from ATM centers. EBL Debit
Card having maturity of eight years is a key to ultimate convenience regarding
day to day monetary transactions providing customers the power of real cash in
form of card. Associated with Smart Choice Technology (SCT), it facilitates wide
sharing of ATMs under SCT network from more than 650 Locations throughout
Nepal.

XIV.

Evening counter
For added comfort and convenience of EBL valued customer, EBL is opened even
after banking hours. Various services are provided during evening counter. Other
different services are provided by EBL like: e-banking, weekend banking, fund
transfer, SMS banking, mobile banking, SMS Alert, pay bill banking.

1.3 Organization design and structure

EBL has a line of authority that flows
from
the top to the bottom of the organizational
Board
of Director
hierarchy. At the top, it is headed by(Chairman)
8 Board of Directors (BOD),with chairman Mr.
B.K. Shrestha and 7 other directors. Similarly, the management team is headed by
Chief Executive Officer (CEO), Mr. A.CEO
K. Ahluwalia followed by deputy general
manager and company secretary. The basic organizational structure shared by EBL is
shown below:
DGM
(Marketing)

DGM
(Credit)

AGM
Company Secretary DGM
(Planning & Development)
(Operation)

Figure 1: Organizational structure of EBL

Legal

Retail

Corporate

Finance/ Tax/ Inspection,

A/C, NRB/ Budget

MKT

HRD

Reconciliation

Treasury

Security Guard

IT
7

FOREX

Domestic

Source: (Everest Bank Limited, 2016)

1.4

Financial structure

The bank has recorded steady growth in its business size, operating avenues and
income generation over the past five year period. The bank has significantly
strengthened its delivery channels, IT infrastructure, operating policies and risk
management practices. Financial structure is the way in which a companys assets
financed, such as short-term borrowings long-term debt, and owners equity. The
financial structure is the mix of total current liabilities, Long-term debt, preferred
stock and common equity (Poudel, Rana, Baral, & Gautam, 2010). Tables presented in
this section reflect on the banks financial position during the past five years.
Table 3: Capital and liabilities of EBL for 5 years
Capital and
Liabilities
1. Share

2014/15
2,74,26,04,05

2013/14
2,137,387,737

2012/13
1,921,239,051

2011/12
1,761,126,410

2010/11
1,391,570,439

Capital
2.Reserves

8
4,14,77,72,96

3,319,759,723

2,906,605,621

2,416,176,477

1,721,975,617

and Funds
3.Debentures

7
1,06,88,45,00

468,845,000

& Bonds
4.Borrowing

468,845,000

300,000,000

402,360,000

482,000,000

Outstanding

83,09,37,89,9

62,108,135,75

57,520,464,63

50,006,100,27

41,127,914,33

5.Deposit
6. Bills

57
34,95,29,622

2
393,056,902

2
692,398,816

9
49,716,572

Payable
7.Propose

14,11,22,877

820,190,186

30,646,879

576,897,427

23,932,525

9,297,074

26,900,414

1,084,456,540

897,383,129

559,237,454

370,578,160

Dividend

920,395,772

Payable
8. Income Tax
Liabilities
9 Other

7,60,91,41,53

6
1,119,980,699
Liabilities
Total 99,15,28,06,017 70,445,082,845 65,741,150,457 55,813,129,057

46,236,212,26

Source:(Everest Bank Limited, 2016)

The Table shows the capital and liabilities of the Everest Bank Limited for the last five
years. A financial structure refers to the capital and liabilities of the Bank. Financial
structures composed of entire liabilities sides of the bank and its gives the information
about the items used to finance the total assets of the bank. From the above figure we can
draw that deposit is the major component to finance the assets of the bank. Share capital
has also plays the significant role in order to finance the assets. Similarly reserve has also
significant impact on the liabilities portion as well. So these three components have
significant impact on liabilities portion but others component has also plays the vital role.

Table 4: Assets of EBL for 5 years

Assets
Cash Balance

2014/15
2,06,56,07,611

2013/14
2,050,029,487

2012/13
1,723,208,985

2011/12
1,700,991,770

2010/11
1,048,998,721

Balance with

17,12,61,55,823

9,446,921,621

8,205,090,428

8,159,753,523

4,706,320,590

NRB
Balance with

5,92,47,18,626

1,675,831,759

1,287,494,550

502,561,014

367,543,641

Notice
Investment
Loans,

15,10,26,74,197
54,48,24,65,225

6,504,185,769
47,572,024,207

9,263,858,419
43,393,187,065

7,863,627,165
35,910,974,673

7,743,928,321
31,057,691,462

Advances
Fixed Assets

63,03,97,372

629,994,270

631,182,801

547,925,679

460,258,735

Others
Money at Call
and Short

Non Banking
Assets
Other Assets

3,82,07,87,163

2,569,095,732

1,237,128,209

1,127,295,233

851,470,792

Total Assets

99,15,28,06,017

70,445,082,845

65,741,150,457

55,813,129,057

46,236,212,262

Source:(Everest Bank Limited, 2016)

The Table no.1.6 shows the assets of the Everest Bank Limited for the last five years. From
the above figure we can draw that loan and advance is the major component of assets side
of the bank. Investment has also plays the significant role in asset side. Similarly balance
in Nepal rastra bank has also significant impact on the asset portion as well. So these three
components have significant impact on assets portion but others component has also play
the vital role.
1.5

Organizational Performance

Organizational performance comprises the actual output or results of an organization as

measured against its intended outputs. Organizational performance encompasses three
specific areas of firm outcomes: (a) financial performance (profits, return on assets, return
on investment) (b) product market performance (sales, market share) and (c) shareholder
return (total shareholder return, economic value added) (Richard, 2009). Table in this
section represents the organization performance of past five year.

Table 5: Performance indicators of EBL

Performance indicator

2009/10

2010/11

2012/13

2013/14

2014/15

ROA

2.04

1.95

2.24

2.2

1.57

ROE

19.63
29.91

26.11

30.47

28.40

10.43

11.08

13.22

8.48

Capital adequacy

From the above table we can see that return on assets is decreasing in 2010/11 but
then after it has been increasing. However ROA has decreased in 2014/15. Similarly
return on equity has decreased from 2010/11 and 2011/12 but after that it has been
10

increasing and decreased in 2014/15. Similarly capital adequacy ratio has been
increasing all the year but decreased in 2013/14. If we analyze the above table the
organization has doing very good in the market. The performance had declined in past
years but there has significant increases in the performance of the organization.
1.6 S.W.O.T. analysis of EBL bank
SWOT analysis is a tool that is used to analyze the strategies issued and policy that an
organization used to develop the strategy. SWOT analysis is done to determine the
strength, weakness, opportunity and threat of an organization. In fact it gives the clear
picture in which the company is working. A SWOT analysis (alternatively SWOT
matrix) is a structured planning method used to evaluate the strengths, weaknesses,
opportunities and threats involved in a project or in a business venture (Wikipedia,
2014).
i.

Strengths of bank
a. Joint venture partner with PNB.
b. First- class Infrastructure and advanced technology.
c. Goodwill.
d. Quality Service.
e. Facility of ABBS.
f. Effective Inter-departmental communication.
g. Pioneer of Online banking.
h. Involvement in off-balance sheet activities.
i. Proper strategic planning and preparation

ii.

Weakness of the bank

a. Lack of sufficient ATMs in and outside valley.

b. Insufficient marketing.
iii.

Opportunity of the bank

a. New Investment opportunities.
b. Growing international trade.
c. Introduction of innovative products, services and programs.
d. Installation of updated technology

iv.

Threat of the bank

I.

Political instability.
11

II.

Changing customer preferences.

III.

Changing technology.

IV.

Intense competition.

V.
I.6.1

Lack of investment opportunities in the market

Use strengths to take advantage of opportunities (SO)

a. The village and remote area are not covered by the existing bank services. So
it can expand its branches to that area. It helps the bank to increase its market
size as well as market share.
b. Foreign investment or collaboration with the foreign banks outside the
country.
c. Extend the facility of internet banking through all branches.
I.6.2

Overcoming weaknesses by taking advantage of opportunities(WO)

a. Increase the budget in advertisement so that everyone knows about the new
and innovative products of the bank.
I.6.3

Strategies Use strengths to avoid threat (ST)

a. Strong financial position of the bank to deter any liquidity crisis.

b. As strong and established bank, it can easily uphold its competitive position
and face any kind of competition from foreign as well as domestic financial
I.6.4

institutions.
Strategy Minimize weaknesses and avoid threats (WT)
a. It can concentrate its business in city hub area, avoiding rural business.
b. It can launch new programs targeting city youth and increasing middle
class.

I.7

P.E.S.T. analysis

Banking industry is service oriented business and it is affected by internal factor as

well as external factor. And it has great impact on performance, operation of the bank,
and functioning of the bank. Internal factor are those factor that an organization can
control such as rules and regulation of bank, employee monitoring and so on.

12

On the other hand external factor are such factor that cannot be control by
organization and it is not in the hand of organization. External factor are the major
factor that affect the organizational performance, operation and functioning. External
factor can be divided into four. It is also known as PEST analysis.
They are:
I.

Political factor

II.

Economic factor

III.

Social factor

IV.

Technological factor.

Each factor has significant impact on commercial bank and it has positive as well as
negative impact in operation, performance and functioning of the bank.
Table 6: P.E.S.T Analysis of EBL
Political factor

Economic factor

Social factor

Technological

Political instability

Lack of resources

Different culture

factor
New software

Frequent change in

in rural area

Demographic

Technology based

policy

Unemployment

Literacy rate

service

New rules and

Negative GDP

Lack of concept

Increase industry

regulation made by

of bank in rural

with advance

government

area.

technology.

I.

Political factor:

The political factor is one of the major factors that affect the functioning of the bank.
The political issues like political instability, new rules made by NRB (Nepal Rastra
Bank), new rules and regulation made by government affect the banking industry.
a) Political instability: Nepal is in the phase of political instability that are made by
different political party. Due to the instability the banking industry have been
badly affected. Fighting for the power by different political party is clearly seen in
our country that affects the bank and other industry as well.

13

b) New rule: Government of Nepal has made the agreement with WTO. The
agreement is for foreign bank can enter to domestic market and invest. Domestic
may not compete with foreign bank and may collapse.
c) Frequent change in policy: Due to the change in policy like trade policy affect
the business environment, due to which banking industries are also affected.
II.

Economic factor:

Economic factor determine the scenario of a country. It include GDP (Gross Domestic
Product), NI National Income), GNP (Gross National Product) employment rate,
literacy rate etc. Economic condition of the country determines living standard of the
people and the investment policy of the country. Following are the economic factor
that affects the banking sector:
a) Lack of resources: Resources like transportation, communication, electricity are
still lacking in rural area of our country. Lack of those resources makes difficult in
banking transaction.
b) Unemployment: The unemployment rate in Nepal is increasing day by day.
People are not able to fulfill the basic needs, so they are unable to save for their
future.
III.

Social factor:

As we know that organization is similar to human beings. They birth in the society,
live in the society, grow in the society and die in the society. Social is one of the major
factors that affect the banking transaction. Different places in Nepal have different
culture and organization should perform according to that culture. Nowadays banks
have opened its branches in different part of Nepal and they should perform according
to that culture. And it is very difficult to understand the culture and it may take more
time to adapt that culture.
CHAPTER II: JOB PROFILE AND ACTIVITIES PERFORMED
2.1 Background
I undertook the internship at Everest Bank Limited as a part of fulfillment of the
course necessitated by the Pokhara University. The purpose of the internship was to
provide hands on experience to the students along with the academic rigor and
preparing them for real work situations. In my view, internship helps in making
decision and increase skill from organizing, leading and working in teams, to
14

innovative thinking. This is a good opportunity when seeking employment. Internship

is a process of getting knowledge to get real experience in working environment. It
helps us to enhance skills and knowledge in a career prospects. It also helps us to
generate experience to enhance skills. In addition, apart from classroom learning
environment, internships allow us to buildup our portfolio and resume and increase
the industry contacts that can be helpful to land in the ideal or real job after
graduation. Internships provide experience and knowledge, improves our skills,
boosts our self confidence, and gives new career opportunities and another major
advantage of doing an internship is working in the real corporate environment. The
internship provides a real experience through which we can boost up our self
confident, and sharpen our knowledge through real field experience.
While working at EBL I got opportunity to make regular contact with the concerned
staffs, which provided me to gain valuable knowledge of banking sector and various
other information that was very helpful in my project completion. During internship I
got opportunity to work and get knowledge in Trade Finance Department and
Customer Service Department. The general objective of this internship program is to
gain practical knowledge and firsthand experience at work. This report has been
prepared as per the internship requirement of Pokhara University, in the partial
fulfillment of MBA degree. As a part of the university curriculum the internship
course carries three credit hours.
I have undergone internship in Everest Bank Limited, New Road branch. During the
internship there was a different scenario than I expected to. Internship was very
fruitful to develop skills and goals in three areas: Personal goals, Academic Goals and
professional Goals. My personal goal was related to my career. I wanted to scrutinize
the working environment that will help me to develop my career in the same field. As
it comes to my academic goal, I have theoretical knowledge related to various
corporate skills but that theories were far from use. So during my internship I set
goals to develop communication skills and transform theoretical and conceptual
knowledge into real practice. My professional skill was clearly stated to develop
communication with colleagues in the bank. I want to develop skills on decision
making and to build up confidence in the task I get assigned to.
Due to the internship experience I feel privileged to get cooperated by every staffs and
supported in my observation and information collection time. I consider the internship
to be the opportunity to learn the culture and behavior of different personnel working
15

in various departments. The targeted goal has provided me as a motivating factor

during internship tenure. Four tactics were used for reaching goals, including
internship learning objectives, are:
a) Continuous Practice
b) Research and Development
c) Participant Observation
d) Feedback
All the tasks and roles evolve in my internship period is to achieve the goals. The
initial phase of internship was based on observation banking activities with services
provided by the bank. This required learning from co-workers and some readings
from banks brochure along with past files. This phase provided with a lot of
information regarding the products of banks and also some literature on the concepts
of banking activities.
Although, main objectives were accomplished but certain difficulties were faced. Due
to security problems access of the banking software were not allowed to interns.
Access to software was limited and only minor task using software was allowed to
perform.
2.2 Activities performed in the organization
My choice of selecting Everest Bank Ltd for internship had helped me to conduct my
work on such a corporate business environment. The major focus during internship
program in Everest Bank Ltd, New Road branch was Trade Finance Department and
Customer Service Department.
2.2.1 Roles performed in customer service
Bank always seeks to satisfy the customer need by giving them the quality service. In
such case customer service plays the vital role. Customer service plays the most
important part in the bank where customers queries and problem are solved. I got
opportunity to get knowledge about customer service department where I got
opportunity to interact with employee and try to provide some solutions about
problems in context of different customer. In EBL New Road Branch the flow of
customer is high, so different customer have their own queries. All these queries are
fulfilled by customer service department. For example Balance enquiry, collect

16

remittance amount, open account and many more. Different jobs played by customer
service department and they are as follows:
I.

Account Opening:

The account holders can be classified a person, organization, and an institution that
come to open the account in a bank. A bank opens three types of account -current,
saving, and fixed period account for their customers. A legal persons or natural
persons can open an account in a bank. For a personal or joint, saving and fixed
deposit account is opened. While opening account following precautions with regards
to the identification of customers were obtained:
a. For Individuals
I.

Application on a prescribed form

II.

Specimen signature

III.

Government issue documents such as citizenship cards

IV.

Tendering of deposit of money.

V.

Address verification

VI.

Photographs of the customer

VII.

Utility bills

VIII.

Filling KYC form

b. For Corporate
I.
II.

All requirements of above

Photos of directors

III.

MOA and AOA (only for joint stock company)

IV.

Copy of PAN registration certificate

V.
VI.

Copy of Company registration Certificate

Filling corporate KYC form

c. For Indian Citizens

I.

Application on a prescribed form

II.

Specimen signature

III.

Government issue documents such as citizenship cards

IV.

Tendering of deposit of money.

V.
VI.
VII.
VIII.

Address verification
Photographs of the customer
Utility bills
Filling KYC form
17

IX.

Embassy card

X.
XI.
II.

Legal age verification card

Recommendation by Nepalese citizen having account in EBL

Filing

CSD is responsible to keep the record of different forms and the work of intern was to
maintain the records of the files and the forms. There is various filing regarding
dormant form, account form along with copy of citizenship card, KYC form.
III.

Record Keeping

The account which was opened was recorded in a register. Intern had to record
information like clearing cheque record and transferred to clearing department.
IV.

Dealing with the customer

Sitting at the CSD was not the easy task. The intern had to deal with the different
types of the customers. Some customer were easy to convince where as other were too
difficult to handle. Most of the customer came to CSD to open an account so briefing
them the product and services of the bank, guiding them, and helping them to get their
problem solved was the major task assigned.
V.

Administrative support

There are various documents that must be filed but original were unavailable so these
documents must be photocopied and filed and for this also the intern was responsible.
VI.

Cheque clearing:

This department of customer service makes collection for cheques of different banks
except for EBL cheque. During collection of cheques following precautions should be
taken:
a. Cheque Date (Not accepted if cheque is advance cheque)
b. Should be MICR cheque
c. Mismatch in amount between figure and in words
d. Incomplete deposit slip
e. Missing stamp or signature
f. Signature, account number and contact number in back of cheque
VII.

Call transfer

The intern have to transfer call to the different employees of bank in different
department like cash, clearing, credit, trade finance, back office etc. The different

18

employees have different extension number and the intern have to deal with
customers and transfer the call to employees with their extension number.
2.2.2 Roles performed in Trade Finance
The trade finance signifies for financing the trade for both domestic and international
trade. The duties of trade finance department are opening of Letter of Credit,
Telegraphic Transfer, Document Against Payment, Document Against Acceptance and
Issuance of Bank Guarantee. TT are not only used for import or export but also for
education expenses, medical expenses, accommodation during education period etc.
Different responsibilities of TFD are as follows:
I.

TT issuance and record

TT is a instrument issued by a bank on behalf of customers for international or

domestic trade. Generally, the applicants pay to the beneficiary in advance for
payment. In TT, bank does not take guarantee on behalf of applicants. The
responsibility of bank is to make payment against the documents. The interns issues
draft and record them in register.
II.

L/C Issuance and record

A LC, simply defined, is a written instrument issued by a bank at the request of its
customer, the Importer (Buyer), whereby the bank promises to pay the Exporter
(Beneficiary) for goods or services, provided that the Exporter presents all documents
called for, exactly as stipulated in the LC, and meet all other terms and conditions set
out in the LC. A LC is also commonly referred to as a Documentary Credit. A "LC" is
used as an instrument for settlement of payment arising out of commercial
transactions like sales/purchases in national/international trade. We issue every types
of LC as per the requirement of our customers. The common types are as under:
1. Sight LC
2. Time/ Usance LC
3. Differed/Mixed Payment LC
4. Revolving LC
5. Confirmed LC
6. Transferable LC
7. Back to Back LC
8. Advance Payment LC
19

Generally, the sight LC and Usuance LC are used. Before issuing a LC, you will
require to have approved credit limits sanctioned by the bank. Moreover, imports and
exports transactions that involve foreign currencies are subject to Central Bank
(NRB)'s foreign exchange regulations and other International rules like UCPDC 600,
URR etc. We will require you to submit the following documents along with the LC
Application form for issuing a LC:
a. Proforma Invoice/Sales contract/Indent containing at least
b. Harmonic code (in eight digits) of the goods to be imported,
c. Country of Origin
d. Delivery and Payment terms and various other details like rate, quantity, total
value, shipment country etc. (wherever applicable)
e. Bi.Bi.Ni. Form No. 3 (Mandatory as per NRB)
f. Other documents required areg. PAN Certificate
h. Firm/Company Registration Certificate
i. Board minute (if applicable)
There are various other NRB provisions regarding import/export of goods from India
and other third countries.
III.

Filing

TFD is responsible to keep the record of different forms and the work of intern was to
maintain the records of the files, forms and other supporting documents. There is
various filing regarding Bi.Bi.Ni. form, TT form, SWIFT copy, TT transmitted copy,
bank guarantee form etc.
IV.

Preparation of SWIFT draft

After L/C or TT issuance, the bank have to prepare SWIFT draft before transmitting
to L/C hub. The draft contains TT/LC number, applicant details, beneficiary details,
beneficiary's bank detail with SWIFT code, account number etc.
V.

Bi Bi. Ni. issuance and record

The Bi.Bi.Ni. form is issued for LC, TT, DAP and DAA for port in which the goods
are passing from as well as for Chamber of Commerce. The interns are assigned to
issue the Bi.Bi.Ni. form with the available details and record in the register.
VI.

NRB cheque issuance and record

After Bi. Bi. Ni. form is issued, the NRB cheque may needed to issue immediately or
later, depends upon the port. If the goods are incoming via TIA then cheque is issued
20

along with Bi.Bi.Ni. issuance. Otherwise, the cheque is prepared after only goods
reached to the port of Nepal. The interns are fully assigned to issue and record the
cheque for TT, L/C, DAP, DAA.
VII.

Administrative Support

In order to support the daily trade finance task, different administrative support work
to be performed by the interns like scan, photocopy, print etc.
VIII.

Bank Guarantee issue

Another duty of TFD is issuing bank guarantee for the customers. Banks guarantees
are written obligations of the issuing bank to pay a sum on to a beneficiary on behalf
of its customers in the event that the customers themselves do not pay the beneficiary.
Through such guarantee letters, undertakes responsibilities to provide fund (guarantee
amount), following a default by you of your contractual or other obligations.
Bank Guarantee can be in the form of Bank Guarantees, Performance Bonds, Bid
Bonds, Shipping Guarantees, Advance Payment Guarantees, Counter guarantees etc.
2.4 Internship Key observation
During eight weeks long internship program at EBL, it not only gave me an
opportunity to learn the various basic activities of the different departments but also
helped to enhancing my interpersonal skill and communication skill to greater extend.
During this period internship, I was very keen to know how the EBL is managing the
Information technology in context to CSD and TFD. So the observation helps me to
understand those parts as the internee and my major focus was how the customers are
handled by supervisor.
The task and responsibility of my department head are discussed below:
I.

Ensures the department entertains customer request efficiently to meet customer

II.

requirements.
The documents which are prepared by assistants are verified by the officers and

III.

approved by the branch manager to minimize the error.

Check whether the tasks done are within the framework of internal policy to avoid

IV.

violation of regulation and business ethics.

Internal audit report is prepared periodically to have transparency and to provide

V.

reference to external auditors and NRB auditing.

Ensure customer satisfaction by giving prompt attention to customer queries and
necessities by department staff.

21

VI.

Proper communication and coordination with the head office for different tasks
like trade finance tasks and credit with L/C hub which is situated in Baneshwor

VII.

branch.
Check whether the required information and documents are submitted accurately

VIII.
IX.
X.

or not.
Ensure all department and customer problems are attended and solved promptly.
Ensure that exhibits of all account heads are checked and reviewed timely.
Ensure that any irregularities/deviations pointed out in the periodic audits are

XI.
XII.

corrected within reasonable time frame.

Ensure SWIFT draft are checked and reviewed before processing to avoid mistake
Regularly interact with customer to identify their needs and expectations to

XIII.

delight them with service

Follow up the customers to acquire loyal customers, boost up the relationship and
retain them to capture the potential market size as well as to reduce uncertainty

XIV.

from loan clients.

Create a team spirit and a feeling of well-being and self-motivation among the

XV.

staffs.
Coordinate with peers, subordinates and seniors to have efficient and effective

XVI.
XVII.

task.
Ensure accurate collection of necessary charges and commission.
Respond to all matters relating to the department in a timely manner on a priority

XVIII.

basis.
Conduct performance appraisal of the staff in order to evaluate the employees'
performance and enhance motivation.

CHAPTER III: LESSON LEARNED AND FEED BACK

3.1 Key skill and attitude learn
During eight weeks of internship period at EBL, my thought about internship has
changed and it provides the proper guidance for career building. In spite, so shorter
period intern, I was able to explore myself being a part of EBL. Being the student, it
was very difficult for me to learn different skills during this period and it help to learn
more about the banks culture, working environment and its working procedure.
Internship program is proposed to apply the theoretical knowledge in practical field.
Internship helped me to learn different kinds of interpersonal and communication
skills. Internship helped me to expose to the interpersonal relationship, which is the
demand of every job, with the boss, co-workers, supervisors and the other lower level
22

staff members who are the first basic things for a bank to obtain successful and
contented career. It helped me to interact with the customers and with the members of
the organization, which help to boosts my confidence level to interact with other
people. It helped to learn about the working principal of commercial bank, which
emphasize problem solving competencies, communicative skill, and the way of
handling different remit customers for. Internship helps in making decision and
increase skill from organizing, leading and working in teams, to innovative thinking.
This is a good opportunity when seeking employment. Internship is a process of
getting knowledge to get real experience in working environment. It helps us to
enhance skills and knowledge in a career prospects. It also helps us to generate
experience to enhance skills. In addition, apart from classroom learning environment,
internships allow us to buildup our portfolio and resume and increase the industry
contacts that can be helpful to land in the ideal or real job after graduation. Internships
provide experience and knowledge, improves our skills, boosts our self confidence,
and gives new career opportunities and another major advantage of doing an
internship is working in the real corporate environment. The internship provides a real
experience through which we can boost up our self confident, and sharpen our
knowledge through real field experience.

The key skill and attitude learnt during my internship period are:
I.

Understand the banking operations in a practical scenario

II.

Find out SWOT analysis

III.

Explore activities carried out in the back office by gaining knowledge and
practical experience in:
a) Customer Service Department
b) Trade Finance Department

IV.
V.
VI.
VII.
VIII.
IX.
X.

Get an idea of the corporate culture

Improve the interpersonal skill
Understand the processes of cheque clearing
Important documents for different purpose
Less error
Able to know the standard procedures of opening an account
Understand methods of opening an account
23

XI.

Documents required for customer to open account

XII.

Understand the overall process in LC, TT, DAP, DAA, Bank guarantee
3.2 Feedback to organization
According to my finding, CSD and TFD of EBL is quite good and interesting. I have
work for 8 weeks in total with 3 weeks in CSD and 5 weeks in TFD. So, here are
some of the suggestions for the CSD and TFD of the EBL:

I.

I found that some of the employees who are posted through job rotation are
trained only through on the job training which may results high chance of error.
The bank should also use the other training method which improves the
productivity
The bank should place more computers so that many problems can be solved

II.
III.
IV.
V.
VI.
III.3

simultaneously
The problem should be handled instantly.
There should be fast internet access.
The cheque writer should be separate for TFD and FOREX to respond quickly.
The employee should handle the customers in proper and professional manner.
Feedback to college

This Internship report is prepared for the partial fulfillment of MBA under Pokhara
University. Such kind of program truly helps those students who do not have
extensive work experience in practical field. Identifying and gaining different
experience in the workplace and college can help interns make a successful transition
to the world of work. So, here putting some suggestions, which will able the
college/university to compete with market more effectively and efficiently:
I.
Regular monitoring should be done by supervisor.
II.
Provide necessary guidelines regarding internship program.
III.
Placement department should be actively participating in guideline the student.
IV. Since, mutual funds do not allow the internship, college should persuade the
organization to intake interns.

24

Bibliography
annual report. (2014). nabil bank. Retrieved from www.nabilbank.com.
bank, E. (2014/15). Annual report.
bank, n. (2015, march 31). nabil bank. Retrieved from www.nabilbank.com.
(2016). Everest Bank Limited.
Everest Bank Limited. (2016). annual report.
nabilbank. (2015, jan 16). Retrieved from www.nabilbank.com.
Poudel, R. B., Rana, S. B., Baral, K. J., & Gautam, R. R. (2010). Fundamentals of Corporate
Finance. Asmita Publication.
Richard, e. a. (2009). Measuring of organizational performance. Journal of management ,
34(7),2-2.
Wikipedia. (2014). en.wikipedia.org/wiki/SWOT_analysis. Retrieved from www.google .com.
www.ebl.com.np. (n.d.).
25

Appendix

1. Branches of Everest Bank

Inside Valley
Bagbazar Branch
Padmakanya Campus Road, Bagbazar, Kathmandu
Phone: 01-4242712
Fax: 01-4242713
Branch Manager: Mr. Bishwajit Lal Maskey
Email: bishwajit.maskey@ebl.com.np

Bagdol Branch

26

Bagdol, Lalitpur, Nepal

Phone: 015524066
Fax: 01-5548620
Branch Manager: Mr. Nabin Regmi
Email: nabin.regmi@ebl.com.np

Balaju Branch
Nayabazar, Kathmandu, Nepal
Phone: 977-1-4380381, 4380301
Fax: 977-1-4358986
Branch Manager: Mr. Anil Karki
Email: anil.karki@ebl.com.np

Baneshwor Main Branch

Kathmandu, Nepal
Phone: 977-1-4780018 (hunting)
Fax: 977-1-4781025
Branch Manager: Mr. Santosh Bhattarai
Email: santosh.bhattarai@ebl.com.np

Bhaktapur Branch
Bhaktapur BranchSuryabinayak,Bhaktapur
Phone: 977-1-5092061,5092151
Fax: 977-1-5092412
Branch Manager: Ms. Heera Shakya
Email: heera.shakya@ebl.com.np

Chabahil Branch
Kathmandu, Nepal
Phone: 977-1-4464895
Fax: 977-1-4464914

27

Branch Manager: Mr. Lava Pd. Kuikel

Email: lava.kuikel@ebl.com.np

Golfutar Branch
Golfutar, Kathmandu
Phone: 977-1-4650793, 4379705
Fax: 977-1-4374917
Branch Manager: Mr. Maniram Lamichhane
Email: maniram.lamichhane@ebl.com.np

Gongabu Branch
Samakhusi Chowk, Gongabu, Kathmandu
Phone: 977-01-4363076
Fax: 977-01-4363077
Branch Manager: Mr. Bibhuti Neupane
Email: bibhuti.neupane@ebl.com.np

Gwarko Branch
Gwarko, Kathmandu , Nepal
Phone: 977-1-5540348
Fax: 977-1-5539066
Branch Manager: Mr. Bijay Kumar Singh
Email: bijay.singh@ebl.com.np

Kalimati Branch
Kalimati, Kathmandu (On the way to Soaltee mode)
Phone: 977-1-4278556, 4278557
Fax: 977-1-4283897
Branch Manager: Mr. Pranay Pradhan
Email: pranaya.pradhan@ebl.com.np

Kirtipur Branch

28

Naya Bazzar, Kirtipur, Kathmandu

Phone: +977-1-4336423 , 4336424
Fax: +977-1-4336425
Branch Manager: Ms. Kamana Shrestha
Email: kamana.shrestha@ebl.com.np

Lagankhel Branch
Lagankhel Bus Park, Lagankhel, Lalitpur
Phone: 977-1-5551470, 977-1-5551471
Fax: 977-1-5551472
Branch Manager: Mr. Kalpana Pandey
Email: kalpana.pandey@ebl.com.np

Lazimpat Branch
EBL House, Lazimpat,Kathmandu , Nepal
Phone: 977-1-4443377(hunting)
Fax: 977-1-4443160
Branch Manager: Ms. Sarita K.C
Email: sarita.kc@ebl.com.np

Maitidevi Branch
Maitidevi, Near Seto Pul,Kathmandu
Phone: 977-1-4445172, 4445173
Fax: 977-1-4445175
Branch Manager: Ms. Kelsang Yangzom
Email: kelsang.yangzom@ebl.com.np

New Road Branch

Kathmandu, Nepal
Phone: 977-1-4245782/84,4222230
Fax: 977-1-4245779

29

Branch Manager: Mr. Prashanna Khadka

Email: prashanna.khadka@ebl.com.np

Pulchowk Branch
Lalitpur, Nepal
Phone: 977-1-5549738, 5549739
Fax: 977-1-5549736
Branch Manager: Anju Sharma
Email: anju@ebl.com.np

Satungal Branch
Kathmandu, Nepal
Phone: 977-1-4311080 / 4313573
Fax: 977-1-4310272
Branch Manager: Mr. Ram Hari Acharya
Email: ramhari.acharya@ebl.com.np

Teku Branch
Kathmandu, Nepal
Phone: 977-1-4242333, 4230642
Fax: 977-1-4247009
Branch Manager: Mr. Nar Bahadur Rawal
Email: nb.rawal@ebl.com.np

Thamel Branch
A One Business Complex, First Floor, Thamel, Kathmandu
Phone: +977-1-4433037/4436117
Fax: +977-1-4435530
Branch Manager: Ms. Priti Lama
Email: priti@ebl.com.np

30

Outside Valley
Baglung Branch
Aawa Road, Baglung, Nepal
Phone: 977-68-522185, 522186
Fax: 977-68-522187
Branch Manager: Mr. Suraj Bhakta Shrestha
Email: surajbhakta.shrestha@ebl.com.np

Besisahar Branch
Besishahar, Lamjung, Nepal
Phone: 977-66-520771
Fax: 977-66-520772
Branch Manager: Mr. Dhruba Pd. Acharya
Email: dhruba.acharya@ebl.com.np

Bhairahawa Branch
Prahari Tole, Siddhartha Nagar Bhairahawa, Nepal
Phone: 977-71-527360
Fax: 977-527361
Branch Manager: Mr. Buddhi Prasad Tiwari
Email: buddhi.tiwari@ebl.com.np

Biratnagar Branch
Mangala Devi Super Market Hanuman Das Road, Biratnagar Morang,
Nepal
Phone: 977-21-530528, 527645
Fax: 977-21-530527
Branch Manager: Mr. Swalid Sthapit
Email: swalid.sthapit@ebl.com.np

Birgunj Branch

31

Adarshanagar, BirgunjParsa , Nepal

Phone: 977-51-527163, 523048
Fax: 977-51-527164
Branch Manager: Mr. Bishnu Gyawali
Email: bishnu.gyawali@ebl.com.np

Birtamod Branch
Sanischare Road, Jhapa, Nepal
Phone: 977-23-543805
Fax: 977-23-540170
Branch Manager: Mr. Raghu Nath Pradhan
Email: raghu@ebl.com.np

Butwal Branch
Malli Complex, B.P. Chowk, Butwal,Rupandehi , Nepal
Phone: 977-71-543661, 545661
Fax: 977-71-543662
Branch Manager: Mr. Devi Dutta Gywali
Email: devidutta.gywali@ebl.com.np

Chandranigahapur Branch
Gaur Road, Chandranigahapur-1, Rautahat
Phone: 977-55-540642
Fax: 977-55-540690
Branch Manager: Mr. Sunil Raj Khanal
Email: sunil.khanal@ebl.com.np

Dhangadi Branch
Dhangadhi, Kailali ,Nepal
Phone: 977-91-523641, 523642
Fax: 977-91-523643

32

Branch Manager: Mr. Satish Pratap Singh

Email: satish.singh@ebl.com.np

Duhabi Branch
Duhabi, Sunsari , Nepal
Phone: 977-25-540628
Fax: 977-25-540627
Branch Manager: Mr. Jagdish Karki
Email: jagadish.karki@ebl.com.np

Gorkha Branch
Shakti Chowk, Gorkha Bazar, Gorkha
Phone: 064-690986
Fax: 064-421558
Branch Manager: Mr. Rudra Pd. Joshi
Email: rudra.joshi@ebl.com.np

Gulariya Branch
Narayangopal Chowk, Gulariya
Phone: 084-420038
Fax: 084-420039
Branch Manager: Mr. Purushottam Luitel
Email: purushottam.luitel@ebl.com.np

Hetauda Branch
Bank Road, Hetauda, Makawanpur
Phone: 057-527003
Fax: 057-527004
Branch Manager: Mr. Sumit Amatya
Email: sumit.amatya@ebl.com.np

ICD (Dry Port)

33

Birgunj Branch Parsa, Nepal

Phone: 977-51-533190, 533835
Fax: 977-51-533834
Branch Manager: Mr. Ramesh Shakya
Email: ramesh.shakya@ebl.com.np

Itahari Branch
Itahari, Sunsari, Nepal
Phone: 977-25-586411
Fax: 977-25-586412
Branch Manager: Mr. Shashank Koirala
Email: shashank.koirala@ebl.com.np

Janakpur Branch
Mills Area, JanakpurDhanusha , Nepal
Phone: 977-41-525855
Fax: 977-41-525361
Branch Manager: Mr. Ram Bharos Yadav
Email: rb.yadav@ebl.com.np

Krishnanagar Branch
Krishnanagar VDC, Ward No. 2Krishnanagar BazarKapilvastu
DistrictLumbini Zone
Phone: 076 - 520428
Fax: 076 - 520429
Branch Manager: Mr. Shiv Timisina
Email: shiv.timisina@ebl.com.np

Kushma Branch
Shahid Chowk, Kushma Bazzar Parbat
Phone: 977-67-421173
Fax: 977-67-421169

34

Branch Manager: Mr. Suman Raj Shrestha

Email: suman.shrestha@ebl.com.np

Lekhnath Branch
Taal Chowk , Lekhnath
Phone: 977-61-560777
Fax: 977-61-560977
Branch Manager: Mr. Chhitiz Parajuli
Email: chhitiz.parajuli@ebl.com.np

Lumbini Branch
Madhuvani VDC, Ward No. 8LumbiniRupandehi DistrictLumbini Zone
Phone: 071-580297
Fax: 071 - 580298
Branch Manager: Mr. Bhaskar Poudel
Email: bhaskar.poudel@ebl.com.np

Narayangarh Branch
Shahidpath, Narayangarh, Nepal
Phone: 977-56-521465
Fax: 977-1-520465
Branch Manager: Mr. Janak Chapagain
Email: Janak.chapagain@ebl.com.np

Nepalgunj Branch
Surkhet Road, Dhamboji
Phone: 977-081-525804, 525805
Fax: 977-081-525902
Branch Manager: Mr. Sudhir Gautam
Email: sudhir.gautam@ebl.com.np

Pokhara Branch

35

New Road, Pokhara , Nepal

Phone: 977-61-541491
Fax: 977-61-541492
Branch Manager: Mr. Harish Kumar Acharya
Email: harish.acharya@ebl.com.np

Rajbiraj Branch
Tribhuwan Chowk Road
Phone: 977-031-523570
Fax: 977-031-523571
Branch Manager: Mr. Binaya Pd. Upadhaya
Email: binay.upadhya@ebl.com.np

Sandhikharka Branch
Sandhikharka VDC- Ward No:- 9, Arghakhanchi
Phone: 077-420801
Fax: 077-420802
Branch Manager: Mr. Rajesh Gyawali
Email: rajesh.gewali@ebl.com.np

Simara Branch
Simara Chowk, Simara, Bara , Nepal
Phone: 977-53-520506
Fax: 977-53-520616
Branch Manager: Mr. Niranjan Karki
Email: niranjan.karki@ebl.com.np

Surkhet Branch
Birendra Chowk, Surkhet
Phone: 977-83-523552
Fax: 977-83-523553

36

Branch Manager: Mr. Yagya Raj Timilsina

Email: yagya.timilsina@ebl.com.np

Syangja Branch
Sahidchowk,Putalibazar,Syangja
Phone: 063-421174
Fax: 063-421175
Branch Manager: Mr. Chandra Bdr. Gurung
Email: chandra.gurung@ebl.com.np

Tatopani Branch
Tatopani Liping, (Near Custom Office), Sindhupalchowk District
Phone: 011-480003
Fax: 011-480004
Branch Manager: Mr. Subash Budhathoki
Email: subash.budhathoki@ebl.com.np

Taulihawa Branch
Purano Haat Bazzar, Taulihawa, Kapilvastu
Phone: 076-561148
Fax: 076-561149
Branch Manager: Saajan K.C
Email: sajan.kc@ebl.com.np

Tikapur Branch
Khakraula Road, Tikapur
Phone: 091-561357
Fax: 091-561358
Branch Manager: Mr. Navaraj Timsina
Email: navraj.timsina@ebl.com.np

Tulsipur Branch

37

BP Chowk, Tulsipur, Dang

Phone: 977-82-521620
Fax: 977-82-521621
Branch Manager: Mr. Prabhat Raman Uprety
Email: prabhat.uprety@ebl.com.np

1. ATM Locations of Everest bank

Everest Bank
1
2

8
9

Limited
Everest Bank
Limited
Everest Bank
Limited
Everest Bank
Limited
Everest Bank
Limited
Everest Bank
Limited
Everest Bank
Limited

Syangja(Branch Premises)

Tulsipur(Branch Premises)

Surkhet(Branch Premises)

Birtamod(Mukti Chowk,Birtamod)

Kushma,(Bank Premises)

Duhabi,(Bank Premises)

Butwal(Rajmarga Chauraha)

Everest Bank

Kohalpur Extension Counter, Banke,

Limited

(Counter Premises)

Everest Bank

Hetauda, (Bank Premises)

38

Limited

Makawanpur District

Janaki Mandir

Premises

Everest Bank

Biratnagar (Bank Premises), Morang

Limited

District

Everest Bank

Dhambuji Raod, NepalGunj, Banke

Limited

District

Everest Bank

Limited

Everest Bank

Limited

Everest Bank

Limited

Everest Bank

Limited

Everest Bank

Limited

Everest Bank

Limited

Everest Bank

Limited

Everest Bank

Limited

Apex College

Building

Everest Bank

Limited

Everest Bank

Limited

Everest Bank

Janakpurdham, Dhanusha District

New Baneshwor (Bank Premises-I)

New Baneshwor(Bank Premises-II)

New Road (Bank Premises-I)

New Road (Bank Premises-II)

Pulchowk (Bank Premises)

Lazimpat (Bank Premises - I)

Lazimpat (Bank Premises- II)+

Balaju (Bank Premises)

, Old Baneshwor

Gwarko (Bank Premises)

Chabahil (Bank Premises)

Golfutar (Bank Premises

39

Limited

Everest Bank

Limited

2
6

Sherpa Mall

Kirtipur (Bank Premises)

Durbar Marg

Everest Bank

Limited

EBL Revenue

Revenue Office

Counter

Premises,Babarmahal

Everest Bank

Limited

3
0
3
1

Suraj Arcade

Teku (Bank Premises)

Singha Durbar Premises

Makkhan Tole

Everest Bank
Limited,

Buspark, (Bank Premises)

Lagankhel

Everest Bank

Maitidevi, Near Seto Pul, (Bank

Limited

Premises)

Everest Bank

Thamel, A One Business Complex,

Limited

(Bank Premises)

Laxmi Bazzar

Ga:Pali

Everest Bank

Limited

Everest Bank

Limited

Saleways Dept.

Store

Everest Bank

Limited, Bagbazar

Suryabinayak, Bhakatapur

Kalimati, (Bank Premises)

Satungal, (Bank Premises)

Maharajgunj

Kathmandu, (Bank Premises)

40

3
9

Gongobu

Everest Bank

Limited

4
1
4
2

Kathmandu

Kalanki

Kathmandu

Everest Bank

Limited

Singha Durbar (Counter Premises)

Jorpati

Kathmandu

Gongobu (Bank Premises

Grande
International

Toka

Hospital

Pashupati Nath

Temple

Everest Bank

Limited

Everest Bank

Narayanghad (Bank Premises),

Limited

Chitwan District

Everest Bank

Pokhara (Bank Premises) Kaski

Limited

District

Everest Bank

Dhangadhi (Bank Premises), Kailali

Limited

District

Everest Bank

Birgunj (Bank Premises), Parsa

Limited

District

5
1

Opposite of Bridhya Asaram

Bagdol Branch (Bank Premises)

Gorkha
Departmental

Itahari Chowk, Sunsari District

Store

Everest Bank

Gorkha, (Bank Premises) Gorkha

Limited

District

41

Everest Bank

Taulihawa (Bank Premises),

Limited

Kapilvastu District

Everest Bank

Limited

Everest Bank

Besishahar (Bank Premises),

Limited

Lamjung District

Everest Bank

Lumbini (Bank Premises), Rupandehi

Limited

District

Everest Bank

Simara (Bank Premises), Bara

Limited

District

Everest Bank

Chandranigahapur (Branch

Limited

Premises)

Everest Bank

Baglung (Bank Premises), Baglung

Limited

District

Milan Chowk,

Bhairahawa

Everest Bank

Butwal (Bank Premises), Rupendehi

Limited

District

Everest Bank

Lekhnath (Bank Premises), Kaski

Limited

District

Everest Bank

Limited

6
4

Chandrauta

Janakpur, Dhanusha District

Rupendehi District

Rajbiraj (Branch Premises)

Kapilvastu (Bank Premises)

Everest Bank

Limited

Everest Bank

Gurwaniya, Gonaha VDC, Rupendehi

Limited

(Jagdamba Group Premises)

Everest Bank

Limited

Damak, Jhapa (Bank Premises)

Parsa (Bank Premises)

42

Everest Bank

Limited

Everest Bank

Limited

Everest Bank

Limited

Everest Bank

Limited

Everest Bank

Limited

Everest Bank

Limited

Everest Bank

Machhapokhari, Near New Bus Park,

Limited

Kathmandu

Everest Bank

Limited

7
6
7
7
7
8
7
9

ATM Tripureshwor

Putalisadak ATM

ATM Mangalbazar

ATM Inarawa

Attariya (Bank Premises)

Gulariya (Bank Premises)

Tikapur (Bank Premises)

Mahavirsthan Road, Birgunj

Chaubiskoti,Chitawan Hospital

Nepal Khadhaysasthan,Dhangadi

Dhading Branch (Bank Premises)

Near Petrol Pump, Kathmandu

Nepal Share Market Building
Kathmandu
Near Patan De Cafe, Patan
Inarawa VDC (Near Police Station),
Custom Office, Birgunj

43

44