2. INTRODUCTION
• The product mix for business banking
services is very broad and product lines
are deep, with many product items.
Products are often customized to the
needs of the customer. There can be two
type of banking products;
1. Fee based Banking Products/ Services
2. Fund based Banking Products/ Services
3. FEE BASE BANKING PRODUCT
AND SERVICE
• Broadly fee based services can be divided
into two categories:
1.Corporate fee-based services
2.Retail fee-based service
4.
5. Fund based services
• Fund based services are those where bank has
to make the investment. There is a cost and risk
of these services and return expected from
them. Some of the
• Fund based Banking Products/Service
1.Working Capital
2.Finance
3.Short Term Finance
4.Bill Discounting Export Finance
5.Term Lending Buyer’s Credit /
6.Supplier’s Credit
6.
7.
8. SANIMA BANK
• Sanima, promoted by prominent and
dynamic Non-Resident Nepalese (NRNs)
Businessmen, commenced its operation in
2004 as a National Level Development
Bank.
• Since February 2012, Sanima has been
functioning as an "A" Class Commercial
Bank with its registered office at
'Alakapuri', Naxal, Kathmandu.
9. • Sanima Bank offers a wide range of
banking products and financial services to
corporate and retail customers through 74
full-fledged branches and one extension
counter from all 7 provinces.
Vision
To be a trusted and leading bank in Nepal.
Mission
To satisfy investors, staff, customers,
regulators and the people of the
community we serve.
10. Capital Structure (As on Asar End 2074)
• Authorised Capital :Rs.9,000,000,000
• Issued Capital :Rs.8,001,255,440
• Paid-up Capital :Rs.8,001,255,440
Shareholding Pattern
• Promoters :51%
• General Public :49%
11.
12. What can be upcoming products and services of
sanima bank?
• New upgraded technologies such as tab
banking, online banking, mobile banking,
home based services etc are emerging as
upcoming demanded services.
• Bancassurance has become one of the
emerging products in banking industry which
is creating huge contribution in generating fee
based income. Mobile app based banking
services are also being popular in today’s
market due to its user friendly interface and
easy accessibility.
13. Are customers properly utilizing the product
and services of bank?
• Since our product and services are easily
accessible to our customer due to our
excellent customer service before and
after sales, it is expected that we are
successful to attain maximum satisfaction
from our customers.
14. Which product is the competitor product that
helps in profit maximization?
• Our entire products and services are
targeted to attain maximum customer
satisfaction thus, our all of our products
are helping in profit maximization.
15. Now, we know that NRB has put constraint on real
estate lending? What sort of impact is experienced
by bank as well as customer?
• Regulatory body kept restriction in real
estate lending previously in order to keep
the banking sector stable and healthy, and
• To avoid over financing in single sector
thus such restriction won’t have negative
impact on bank and customers as well,
and this restriction working in positive
ways .
16. What do you think about new products and
services of bank & what’s may be customers
wants and demands?
• In today’s context customers are more
aware about costs, security, accessibility,
etc. Thus new products and services need
to be techno friendly, user friendly, easily
accessible, trustworthy, and advanced as
per the demography of population.
• Since the Commercial banks are moving
towards rural areas which are also
accompanied by NRB, products and
services need to be developed as per the
17. • For e.g Tab based online banking in the
rural municipality of Karnali region may not
be applicable in such places branchless
banking may be applicable. The product
and services in the context on Nepal need
to be developed as per the demand of
people and geographical locations and
populations.
18. Is your e-banking effective and secure?
• At Sanima i-Banking, we know that the
confidentiality of your personal information and
security is very important to you and we are
committed to provide you with a safe and secure
online environment for your banking needs. We
bring together a combination of industry-
approved security technologies to protect data
for the Bank and for you, our customer.
• It features password-controlled system entry, a
VeriSign-issued Digital ID for the Bank’s server,
Secure Sockets Layer (SSL) protocol for data
encryption, a router loaded with a firewall to
regulate the inflow and outflow of server traffic,
19. • In addition, we continually take proactive steps
to ensure that our security solutions are in line
with enhancements and advancements in the
industry. However, as the end-user, you also
play a key role in safeguarding your account
information and transactions.