AN INTERNSHIP REPORT

ON

PRABHU BANK LIMITED

Parsa Branch

Submitted By

SUJAN SUBEDI

Roll No: 22031559

P.U. Regd. No.: 2022-2-03-4699

In the partial fulfilment of the requirement for the degree of

Bachelors in business administration (BBA)

At the

Boston International College

POKHARA UNIVERSITY

Duration :

March 2026
 DECLARATION
I hereby declare that this undergraduate Internship Report On "Prabhu Bank Limited"
is the end result of my own work and that due acknowledgement has been given in the
references to all sources of information which has been used for this project report. No
portion of this research project has been submitted in support of any application for any
other degree or qualification of this or any other university, or other institutes of
learning.

__________________________
Sujan Subedi
Date :

ii
 ACKNOWLEDGEMENT
This report is an outcome of hard work, which is designed to help the readers to have
a better understanding of the banking scenario of Nepal regarding Prabhu Bank
Limited. Many people have devoted their precious time and effort in the course of
preparing this report. I would like to take this opportunity to acknowledge all of them
who helped me directly or indirectly.

First and foremost, my sincere gratitude goes to Pokhara University for this
opportunity to do an intern as a part of BBA course requirement. Further I would like
to express my warm appreciation towards the management team of Boston
International College for guiding me and cooperating greatly to complete the
internship program successfully.

I am indebted to Mr. Jhalak bahadur oli, Branch Manager of Prabhu Bank Limited,
Parsa Branch for letting me do my internship. I would like to thank him for welcoming
me to the bank and introducing me with the other employees. I would like to extend
my heartfelt appreciation to Mrs. Bina aryal (Operation In-Charge), Mrs. Suchita rijal,
Mrs. Renuka bartaula, Mr. Raju kharel, and Mrs. Sujata sedhain for their constant
support in teaching me all the necessary things related to the relative department.

I take this opportunity to express profound gratitude and deep regards to the report
supervisor Mr. Puspa Raj Adhikari, for his exemplary guidance, monitoring, and
constant encouragement.

Finally, I would like to thank my family for their never-ending support. I am very
much grateful to them for always being there by my side. I offer my regards to all of
those who supported me in any respect during the completion of the report.

Thanking you,

Sujan Subedi

March, 2026

iii
 TABLE OF CONTENTS

DECLARATION ............................................................................................................. ii

ACKNOWLEDGEMENT .............................................................................................. iii

TABLE OF CONTENTS ................................................................................................ iv

LIST OF FIGURES ....................................................................................................... vi

LIST OF ABBREVIATIONS ......................................................................................... vii

EXECUTIVE SUMMARY............................................................................................ viii

CHAPTER: I INTRODUCTION .............................................................................. 1

1.2 Objectives of the internship ................................................................................. 2

CHAPTER: II ORGANIZATIONAL PROFILE ..................................................... 3

2.1 Overview of the Company ................................................................................... 3

2.2. Organization's Vision and Mission ..................................................................... 4

2.3 Major Markets and Customers ............................................................................. 4

2.4 Products and Services .......................................................................................... 5

2.5 Organization Designs and Structure .................................................................... 8

2.6 Organizational Structure of Branch Office .......................................................... 9

2.7 Financial Structure: ............................................................................................ 10

2.8 Competitor Analysis: ......................................................................................... 10

CHAPTER: III INTERNSHIP DESCRIPTION .................................................... 11

3.1 Roles and Responsibilities ................................................................................. 11

3.2 Skills Applied ..................................................................................................... 11

3.3 Challenges Faced During My Internship Period ................................................ 12

CHAPTER: IV LEARNING OUTCOMES ............................................................ 13

CHAPTER: V ANALYSIS AND RECOMMENDATION ..................................... 14

5.1 Critical Analysis of the Organization's Operations ............................................ 14

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 5.2 Problems Identified ............................................................................................ 15

5.3 Possible Solutions .............................................................................................. 15

5.4 Recommendations .............................................................................................. 16

CHAPTER: VI CONCLUSION ............................................................................... 17

REFERENCES........................................................................................................... 18

APPENDIX ................................................................................................................. 18

v
 LIST OF FIGURES
Figure 1 : Organizational Hierarchy of Prabhu Bank .................................................... 8

Figure 2 : Organizational Heirarchy at Parsa Branch .................................................... 9

vi
 LIST OF ABBREVIATIONS
ATM Automated Teller Machine

CRN Customer Reference Number

CSD Customer Service Department

FY Fiscal Year

IPS Interbank Payment System

KYC Know your customer

NIC Nepal Industrial and Commercial Bank

NRB Nepal Rastra Bank

OI Operation In-Charge

PAN Permanent Account Number

POS Point of Sale

SME Small and Medium Enterprise

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 EXECUTIVE SUMMARY
An internship report entitled "AN INTERNSHIP REPORT ON NIC ASIA BANK
LIMITED " has been prepared to fulfill the partial requirement of the project report of
BBA 7th Semester. The study shows the importance of the internship program. It will
help the students to be fully aware of the real-world practices before entering the market
as a fresher.

An internship is the first step of a learning experience in a working environment after

acquiring theoretical knowledge in college. An internship is done to gain practical
knowledge for students. This internship has been completed at NIC Asia Bank, Parsa
Branch.

During the forty-eight-day internship, I performed various tasks such as account

opening and closing, handling customer queries, issuing debit/credit cards and cheque
books, assisting with documentation, and maintaining records. I also learned to use
banking software like FINACLE, DIGITAL CSD and gained hands-on experience with
forms such as KYC, Meroshare, and ASBA.

The internship helped me apply classroom knowledge to real banking scenarios and
develop important skills in communication, professionalism, teamwork, and
documentation. Challenges such as managing customer expectations and handling
technical system errors enhanced my problem-solving and adaptability. This is
necessary for a student of BBA in order to learn the practical perspective of real job as
they have to compete in the competitive market and should prove themselves.

viii
 CHAPTER: I
Introduction
1.1 Background of the Internship
The internship program is specially designed for graduating students to transform their
theoretical knowledge into practical experience. Internship helps students develop
confidence to cope with real-life managerial situations. It is a form of on-the-job
training where students become familiar with corporate culture and gain practical
exposure to organizational operations. Hence, internship serves as an important
medium through which students can achieve their career objectives and enhance their
professional skills.

Bachelor of Business Administration (BBA) is a four-year academic program under

Pokhara University consisting of eight semesters. The program aims to provide students
with both theoretical and practical knowledge in the field of business and management.
As a partial fulfillment of the BBA program, students are required to complete an
internship and submit a report based on their experience in an organization. This
practical exposure helps students understand real business environments and apply
classroom knowledge in practical situations.

Pokhara University School of Business has been providing quality education to produce
skilled human resources capable of contributing to the economic and social
development of the nation. To expose students to real organizational settings, the
university requires students to participate in internship programs in reputed
organizations. Internship enables students to understand the internal and external
environment of organizations and enhances their ability to handle business challenges
effectively.

In line with the objectives of the BBA program, the internship was carried out at Prabhu
Bank Limited. Prabhu Bank Limited is one of the leading commercial banks in Nepal,
licensed as an “A” class financial institution by Nepal Rastra Bank. The bank was
established after the merger of several finance.;al institutions including Kist Bank Ltd.,
Prabhu Bikas Bank Ltd., Gaurishankar Development Bank Ltd., and Zenith Finance
Ltd. in 2014. The bank has its head office located in Babarmahal, Kathmandu, and
provides a wide range of banking and financial services to individuals, businesses, and
institutions across the country.

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Over the years, Prabhu Bank has expanded its network significantly, operating hundreds
of branches, ATMs, and extension counters throughout Nepal. The bank offers various
services such as deposit accounts, loans and advances, remittance services, credit cards,
and digital banking facilities. With a large customer base and a dedicated workforce,
the bank plays an important role in promoting financial inclusion and supporting the
economic development of the country.

During the internship period, practical exposure was gained in the customer service
department of the bank. Working in this department provided an opportunity to observe
and understand various banking activities such as account opening procedures,
customer handling, transaction processing, and other daily banking operations. The
internship experience served as an important platform for enhancing professional
knowledge, improving communication skills, and understanding the practical
functioning of the banking sector.

1.2 Objectives of the internship

Internship program, as prescribed in curriculum has been allocated for three credit
hours. This program is designed for achieving practical and professional knowledge by
comparing theoretical knowledge in real field, to explore to adopt in real field. The
general objective of an internship is to understand and experience banking policies and
procedures with the help of participation, inquiry, interaction, observation, and
firsthand experience, to understand the dynamic and mutual relationship of individual
saver, business enterprise and the bank.

The main objective of this study is to understand the procedures, tools, and techniques
used by bank personnel in handling customers and maintaining effective service
delivery. The specific objectives are:

• To examine the practical insights about the banking activities.

• To analyze the various activities done under CSD.
• To enhance practical knowledge through interaction, observation and working
experience.
• To gain in-depth knowledge about handling customers dilemmas.

2
 CHAPTER: II
Organization Profile
2.1 Overview of the Company

Prabhu Bank Limited (PBL) is a prominent "A" class commercial bank in Nepal,
licensed and regulated by Nepal Rastra Bank. Since its inception in 2001, the bank has
undergone a transformative journey, evolving from a development bank into one of the
country's leading financial institutions. This growth was driven by a series of strategic
mergers and acquisitions, most notably the integration of Kist Bank and Grand Bank
Nepal, and the landmark acquisition of Century Commercial Bank in early 2023. Today,
Prabhu Bank stands as a symbol of financial stability and innovation, guided by a
mission to enhance shareholder value and contribute to the nation's economic prosperity
through customer-centric service.

The bank’s leadership is currently spearheaded by Chairman Kishor Jung Karki and
CEO Suman Sharma, who oversee a massive operational network designed to bring
banking to every corner of Nepal. With a workforce of over 2,000 professionals, the
bank serves a diverse customer base of more than 3 million individuals. Its physical
presence is supported by approximately 215 branches, 189 ATMs, and 58 extension
counters, ensuring that its comprehensive suite of products ranging from retail savings
and corporate lending to specialized SME financing is accessible to both urban and
rural populations.

In the digital age, Prabhu Bank has positioned itself as a pioneer by investing heavily
in electronic banking solutions. It offers a robust mobile banking platform, internet
banking, and QR-based payment systems to meet the evolving needs of tech-savvy
consumers. Financially, the bank maintains a strong position with a paid-up capital of
approximately Rs 23.54 billion and consistent profitability, as evidenced by its recent
quarterly earnings. By balancing traditional banking values with modern technological
advancements, Prabhu Bank continues to play a vital role in the Nepalese financial
sector, fostering financial inclusion and supporting large-scale infrastructure projects
across the country.

3
2.2. Organization's Vision and Mission
Vision

"To become the best bank of Nepal based on operational excellence and superior
financial performance."

Mission

"To be the leading commercial bank by providing the finest quality products, enhancing
shareholder value and fostering continuous growth opportunities for employees ."

2.3 Major Markets and Customers

Major markets and customer segments that Prabhu Bank typically serves:

[Link] Customers: This segment includes individual customers such as salaried

employees, students, professionals, and households. They use banking services like
savings accounts, fixed deposits, personal loans, debit cards, and mobile banking
facilities.

[Link] and Corporate Customers: Prabhu Bank provides financial services to

small, medium, and large business organizations. These customers mainly use services
such as business loans, working capital financing, trade finance, and corporate accounts
to support their business operations.

[Link] Customers: The bank plays a major role in the remittance market
through services like Prabhu Remit, which allows migrant workers abroad to send
money to Nepal. Families and individuals receiving remittances form an important
customer segment of the bank.

[Link] and Institutional Customers: The bank also provides banking

services to government organizations, public sector institutions, NGOs, and
international development organizations for financial transactions, payments, and
project funding activities.

[Link] Banking Customers: With the growth of technology, the bank targets
customers who prefer digital banking services such as mobile banking, internet
banking, ATM services, and online transactions for convenient banking operations.

4
2.4 Products and Services
The major products and services are offered by the bank to the customers such as:

1. Deposit Products

Deposit products are one of the core services of Prabhu Bank. These products help
individuals and organizations safely save money while earning interest.

Savings Accounts

• Unnati Savings Account

• Shramik Bachat Khata

• Student Savings Account

• Chetana Bachat Khata

• Welcome Savings Account

• Salary Savings Account

• Khutruke Savings Account

• Good Luck Savings Account

• Foreign Savings Account

• Aasirbad Savings Account

Fixed Deposit Accounts

• Individual Fixed Deposit

• Corporate Fixed Deposit

• Institutional Fixed Deposit

Current and Call Accounts

• Current Account

• Call Account

These accounts are designed to meet the needs of different types of customers including
individuals, students, salaried employees, and businesses.

2. Loan Products: Prabhu Bank provides various loan facilities to support personal
needs, business expansion, and economic development.

5
Retail Loans

• Home Loan

• Vehicle Loan

• Education Loan

• Personal Loan

Business Loans

• SME Loans

• Corporate Financing

• Project Financing

• Microfinance Loans

These loan products help individuals and businesses access capital for housing,
education, business growth, and other financial requirements.

3. Remittance Services: Remittance is one of the most important services provided by

Prabhu Bank. Through PRABHU REMIT, the bank facilitates money transfer services
for Nepalese working abroad.

The bank has partnerships with international banks, remittance companies, and
exchange houses across many countries including Japan, Qatar, UAE, Saudi Arabia,
Malaysia, the United Kingdom, and the United States. This allows customers to receive
remittance quickly and securely in Nepal.

Prabhu Bank also works closely with Prabhu Money Transfer, which has a network
of more than 10,000 payout agents across the country, making remittance services
accessible in almost every region of Nepal.

4. Electronic Banking Services

To keep up with modern banking trends, Prabhu Bank provides several digital banking
services.

These include:

• Mobile Banking

• Internet Banking

6
 • ATM Services

• Visa Debit Card

• Credit Card

• International Travel Card

These services allow customers to perform banking transactions such as balance

inquiry, fund transfer, and bill payment without visiting the bank physically.

5. Digital Wallet Services

Prabhu Bank also supports digital payments through PrabhuPAY, which allows
customers to perform different financial transactions through a mobile wallet.

Through PrabhuPAY, customers can:

• Pay electricity, internet, water, and other bills

• Transfer money to bank accounts

• Book flight, bus, and movie tickets

• Pay insurance and other services

• Shop online using digital payments

7
2.5 Organization Designs and Structure

Figure 1 : Organizational Hierarchy of Prabhu Bank

8
2.6 Organizational Structure of Branch Office

Branch
Manager

Operation
Credit Department
Department

Customer Remittance Loan Recovery

Teller(Cash)
Service and Clearing Department Department

Figure 2 : Organizational Heirarchy at Parsa Branch

[Link] Function: There are all together two major departments in this branch
office. They are: Credit Department and Operation Department.

[Link] Department:Also known as the Cash Department, this handles day-to-

day banking services and transactions, including:

• Teller: Deals with all cash transactions such as deposits and withdrawals. The
teller verifies documents and ensures accurate recordkeeping and security in
handling cash.

• Customer Service Department (CSD): Acts as the front office, providing

essential services like account opening/closing, issuing cheque books, balance
inquiries, and customer support. It plays a key role in creating a positive
customer experience.

• Remittance: Facilitates the transfer and payment of money sent from abroad. It
verifies both inward and outward remittance transactions and ensures smooth
delivery of funds to beneficiaries.

[Link] Department:

This department manages the core function of lending - transferring money from savers
to borrowers to support economic growth. It is divided into:

9
 • Loan Department: Provides loans to individuals and businesses against
securities like land, buildings, shares, etc. It also maintains loan files and
documentation in an organized format.

• Recovery Department: Handles overdue loans by reminding customers via

calls, visits, or official notices to repay their debts on time.

2.7 Financial Structure:

Prabhu Bank Limited has a strong financial structure that supports its banking
operations and growth in the Nepalese banking sector. The financial structure of the
bank mainly consists of paid-up capital, reserves and surplus, deposits, and loans and
advances.

As of the recent fiscal period, Prabhu Bank has a paid-up capital of approximately NPR
23.54 billion. The ownership structure of the bank consists of promoters holding 51%
of the shares and the remaining 49% held by the general public. This shareholding
structure ensures balanced participation between institutional promoters and public
investors.

2.8 Competitor Analysis:

Prabhu Bank operates in a highly competitive commercial banking environment in

Nepal. The bank offers a full range of retail, corporate, and digital banking services,
including deposits, loans, credit cards, savings, investment products, and merchant
banking services. Some of its major competitors in the Nepalese banking sector are
listed below. These competitors are selected because they operate nationwide, serve
similar customer segments, and offer comparable products and service channels such
as branch networks, digital banking, and corporate lending. Some of them are:

• Nabil Bank
• NMB Bank Limited
• Siddhartha Bank Limited
• Sanima Bank Limited
• Nepal SBI Bank Limited
• Global IME Bank

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 CHAPTER: III
Internship Description
3.1 Roles and Responsibilities

During my internship at Prabhu Bank, I had been assigned various responsibilities

within the Customer Service Department (CSD), which includes:

1. Providing front-desk support by responding to general banking queries and

assisting customers with their service needs.

2. Facilitating the account opening process by verifying documents, collecting

customer information, and ensuring KYC compliance.

3. Addressing customer requests related to account services, including balance

checks, card services, and transaction support.

4. Assisting in resolving customer complaints and routing complex issues to

appropriate bank personnel for further handling.

5. Educating customers on the use of mobile banking app such as Digi prabhu.

6. Assisting with routine administrative work like organizing documents, updating

records, and maintaining accurate filing systems.

7. Engaging in the bank’s promotional activities by informing clients about new

products, schemes, and banking benefits.

3.2 Skills Applied

1. Technical Skills:
Gained hands-on experience with banking operations, including account handling,
KYC procedures, document verification, and use of internal banking software and
office equipment.
2. Managerial Skills:
Applied time management, task prioritization, and organizational skills to handle
multiple responsibilities efficiently while meeting daily service requirements.
3. Soft Skills:
Enhanced interpersonal communication by interacting with a diverse customer
base, handling complaints with patience, and maintaining professionalism in all
customer dealings.

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3.3 Challenges Faced During My Internship Period
During my internship period at Prabhu Bank, I experienced several challenges while
adapting to the professional banking environment. Since it was my first exposure to a
real banking workplace, understanding the procedures and handling responsibilities
required patience, focus, and continuous learning.

One of the major challenges I faced was dealing with many customers during peak
hours. Many customers visited the branch for different services such as account
opening, remittance, balance inquiries, and cheque book requests. Managing customer
queries while ensuring proper documentation sometimes became difficult, especially
when the branch was crowded.

Another challenge was learning the banking procedures and documentation

requirements within a short period of time. Banking operations require strict
compliance with rules such as KYC verification, form completion, and proper record
maintenance. At the beginning, understanding these procedures and ensuring accuracy
while assisting customers required careful attention.

I also faced some difficulty in communicating with customers who were not fully aware
of banking policies and requirements. Some customers would visit the bank without
necessary documents like citizenship or authorization letters, which occasionally led to
misunderstandings or delays in service.

12
 CHAPTER: IV
Learning Outcomes
The 48-day internship period at Prabhu Bank Limited provided me with valuable
practical exposure to the banking sector. During this time, I gained different skills and
a clearer understanding of how banking activities are carried out in a real working
environment.

• Learned to deal with different types of customer queries by communicating with

customers and bank staff, which helped improve my interpersonal and communication
skills.

• Understood the corporate culture of the organization, including punctuality,

teamwork, discipline, and professional work ethics followed in a banking institution.

• Learned the importance of proper time management while working in a busy banking
environment and adapted myself to a new professional setting.

• Developed basic technical skills by operating office equipment such as printers,

scanners, and photocopy machines used in daily banking work.

• Learned the procedures related to preparing and issuing cheque books and assisting
customers with debit card related services.

• Became familiar with different types of bank stamps and understood their use in
documentation and verification processes.

• Got chance to use the FINACLE software and learn about the system of Prabhu Bank.

Throughout the internship period, I was able to apply theoretical knowledge gained
during my academic studies into practical situations. The internship helped me
understand the real working environment of a commercial bank and improved my
confidence and practical skills for future career opportunities in the banking sector.

13
 CHAPTER: V
Analysis and Recommendation
5.1 Critical Analysis of the Organization's Operations
This report has been prepared as a partial requirement for the completion of the BBA
program under Pokhara University. The internship program provided me with an
opportunity to gain practical experience in the banking sector and understand how
theoretical knowledge learned during academic study is applied in real organizational
settings. During the 48-day internship period at Prabhu Bank Limited, I had the chance
to observe and participate in different banking activities, which helped me expand my
understanding of professional banking operations. Some of the key things I learned
during my internship are listed below:

1. Learned to respond to customer inquiries and assist them in solving service-

related problems in an effective manner.

2. Gained practical experience in preparing and distributing cheque books and

supporting customers in debit card related services.

3. Became familiar with the use of important office equipment such as printers,
scanners, and other devices used in routine banking work.

4. Observed the basic operational procedures of the bank and gained

understanding about the professional work culture followed within the
organization.

5. Developed confidence while interacting with customers and learned how to

communicate in a polite and professional manner.

6. Improved my communication skills while providing information and assistance

to customers in a timely way.

7. Learned to identify and use different types of bank stamps required for
document verification and record keeping.

8. Understood the basic functions of the Finacle core banking software used in
Prabhu Bank, which helped me understand how customer accounts,
transactions, and banking records are managed digitally.

14
Overall, the internship period helped me bridge the gap between theoretical knowledge
and practical experience. It provided useful insight into how banking services are
delivered in a commercial bank and helped strengthen my skills and confidence for
future career opportunities in the banking sector.

5.2 Problems Identified

During my 48-day internship at Prabhu Bank Limited, I had the opportunity to observe
some operational problems faced by the branch during daily activities. Some of the
problems identified during my internship are as follows:

1. The CSD is often congested, especially during peak hours, making it difficult
for employees to serve customers efficiently.
2. Modern banking software and digital tools are not fully utilized, which slows
down transaction processing and record-keeping.
3. Air conditioning and ventilation are not properly functioning, leading to an
uncomfortable working environment for both staff and customers.
4. Many customers are in a hurry and prefer to avoid proper documentation, often
expecting services to be completed quickly without following standard
procedures.
5. Some customers argue with staff when they are asked to provide valid
documents or follow procedures which create additional stress for the
employees.
6. No internet in the bank.

5.3 Possible Solutions

After observing the problems in the Customer Service Department, I tried to address
some at my level. For the remaining issues, the following solutions are recommended:
1. To ease congestion and improve service, the bank could introduce additional
staff during busy hours or create a rotation system so that no single employee is
overburdened.
2. Updating and fully utilizing modern banking software and digital tools would
speed up transactions and reduce manual errors, improving overall efficiency.
3. Proper maintenance of air conditioning and ventilation systems should be
ensured to create a comfortable environment for both employees and customers.

15
 4. Customers should be informed through visible notices or verbal guidance that
all standard procedures and documentation are necessary for secure and smooth
banking operations.
5. Staff could be trained in conflict management techniques to handle impatient or
argumentative customers professionally, minimizing stress and maintaining
service quality.
5.4 Recommendations
Prabhu Bank has been performing well in providing customer services, but to further
enhance customer satisfaction and operational efficiency in the Customer Service
Department (CSD), the following recommendations are suggested:
1. Introduce customer flow management strategies, such as token systems or
appointment scheduling, to reduce congestion during peak hours.
2. Regularly review and modernize CSD processes to ensure faster, smoother, and
more standardized service delivery.
3. Implement periodic customer feedback surveys to identify recurring issues and
improve service quality.
4. Encourage a culture of patience and professionalism among staff through
workshops and performance recognition programs.
5. Invest in infrastructure improvements, such as ergonomically designed counters
and better waiting areas, to make the CSD environment more comfortable for
both employees and customers.

16
 CHAPTER: VI
Conclusion
My forty-eight-day internship at Prabhu Bank Limited has been an invaluable learning
experience, providing me with a clear understanding of the operations and challenges
of a modern commercial bank. Working in the Customer Service Department (CSD)
allowed me to witness firsthand how banking services are delivered, the importance of
accuracy and professionalism, and the real-world dynamics of customer interactions.

During the internship, I observed both the strengths and areas for improvement within
the CSD, such as the dedication of staff under pressure, as well as issues like congestion,
outdated systems, and challenges in handling impatient customers. Identifying these
problems and proposing practical solutions helped me develop analytical, problem-
solving, and interpersonal skills.

This internship has not only enhanced my knowledge of banking operations but also
strengthened my ability to communicate effectively with customers and colleagues,
manage tasks under pressure, and approach challenges with a constructive mindset. It
has given me valuable insights into the importance of teamwork, time management,
and adaptability in a professional setting.

This internship has also given me a deeper perspective on professional responsibility

and customer service ethics. I have learned that efficiency and patience are equally
important, and that small improvements in processes or communication can
significantly enhance customer satisfaction. Experiencing the challenges and successes
of the CSD has motivated me to continue developing my skills and knowledge, ensuring
that I am better prepared for future roles in the banking and financial sector. This
experience has truly shaped my understanding of real-world banking operations and
professional conduct, leaving a lasting impression on my personal and career growth.

Overall, the experience at Prabhu Bank has been both educational and inspiring,
confirming my interest in the banking sector and equipping me with practical skills that
will support my future academic and professional endeavors. I am grateful for the
guidance of the bank staff and the opportunity to contribute, even in a small way, to the
bank’s operations during my internship.

17
 REFERENCES

Prabhu Bank Limited. (2025). Annual Report 2081/082. Kathmandu: Prabhu Bank
Limited. Retrieved from [Link]
082
Prabhu Bank Limited. (2024). Financial Results FY 2024/25. Kathmandu: Prabhu Bank
Limited. Retrieved from [Link]
financial-results/
Nepal Rastra Bank. (2025). Annual Report 2081/082. Kathmandu: NRB. Retrieved
from [Link]
[Link]. (2025). Prabhu Bank Limited – Overview and Financial Data.
Retrieved from [Link]
Ekantipur. (2026, January 16). Prabhu Bank’s Annual General Meeting approves
consolidated financial statements. Retrieved from
[Link]
meeting-approves-consolidated-financial-statements-for-the-last-fiscal-year-
[Link]
Nepal Investment Mega Bank Limited. (2024). Banking Sector Overview and
Competitor Analysis. Kathmandu: Nepal Investment Mega Bank Limited.
Gautam, R. (2023). Banking Operations and Customer Service in Nepal. Kathmandu:
Himalayan Publications.
Shrestha, S. (2024). Modern Banking Software and Its Impact on Customer Service.
Journal of Nepalese Banking Studies, 12(2), 45-58.

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 APPENDIX
INTERNSHIP CERTIFICATE

19