LALIGURANS vol 03 2073
Transcript of LALIGURANS vol 03 2073
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Vol 03::Baishakh, Jestha & Ashadh 2073:: Bank’s Quarterly Magazine
In this issue
Anniversary Message. P1
Brief Profile of the Bank. P2
Message from CEO. P3
Marketing Myopia. P4
NSBL D-Mat Account. P5
CSR Activities.P6
NSBL Activities.P9
News Collections. P11
NSBL Products. P12
Quote of the Month. P13
Congratulations On your promotion to General Manager of SBI. General Manager of SBI. General Manager of SBI. General Manager of SBI.
We all NSBL Family are Happy for your achievement.
Wishing you all the best for your future assignment.
"Your enthusiasm will inspire others to move forward with actions that bring Rewarding
Achievements." -Steve Brunkhorst
Shri. Vijay Kumar Tyagi COO & Dy. CEO, NSBL
BANK IN A NUT SHELL
Nepal SBI is a subsidiary of State Bank of India, which holds 55% share. Another 15% is held by the Employees Provident
Fund (EPF) of Nepal, rest 30% is held by public shareholders. It is now in its 24th year of operation.
Legal Form: A Public Limited Company incorporated at the office of Company Registrar, Kathmandu and licensed by Nepal
Rastra Bank on July 6, 1993 as ‘A’ class licensed institution.
Corporate Office:
Nepal SBI Bank Limited
Corporate Office, Hattisar, Kathmandu
Tel No: 4435516, 4435613, Fax No: 4435612
Email: [email protected]
Website: www.nepalsbi.com.np, www.nsbl.com.np
MANAGEMENT TEAM
1. Shri Anukool Bhatnagar Managing Director & CEO
2. Shri Vijay Kumar Tyagi Chief Operating Officer & Dy. CEO
3. Shri Subhakanta Kanungo Chief Operating Officer (Designate)
3. Shri Priya Ranjan Chief Financial Officer
4. Shri Chhapi Raj Pant Chief Risk & Compliance Officer
5. Shri Dev Raj Adhikari Chief Credit Officer
WE SERVE WITH
We deliver full range of banking and financial solutions to help our valued clients.
DEPOSIT & ACCOUNTS
We offer Current and Business Call Deposit Account, Saving Deposit Account and Fixed Deposit Account services. We have
devised various kinds of Fixed, Premium Saving and Recurring Deposit Accounts. We also maintain payroll account of
organization staff alongside a separate provident fund account which yields higher interest rate than normal saving account.
LOANS & ADVANCES
We provide all kinds of corporate and retail financing service catering to various credit needs of our clients.
Our global presence and correspondence network has given us the reach to almost every corner of the globe and has enabled
and strengthened our Trade Financing Service delivery.
BRIEF PROFILE OF THE BANK
Mr. Krishna Prasad Acharya
Chairman
Mr. Subhakanta Kanungo
Chief Operating Officer
(Designate)
WelcomeWelcomeWelcomeWelcome
INTERNATIONAL BANKING
Nepal SBI Bank Remittance services allow our consumers to transfer funds to and from Nepal through peerless inward and
outward remittance solutions.
We have efficient fund transfer mechanism called “SBI Nepal Express Remit” and “Indo Nepal Remit” for transferring
money from India to Nepal. We transfer funds from rest of the world countries using SBI Branches all over the globe. SBI has
its branch offices in most of world cities including Frankfurt, London, Sydney, Paris, Hong Kong, Tel Aviv, Tokyo, Shanghai,
Cairo, Dubai, Istanbul, Toronto, New York, California Dhaka, Srilanka etc.
CARD / E –BANKING SERVICES
Nepal SBI Bank ATM Card gives consumer access to the convenience of 24-hour banking in any of our 85 ATMs in Nepal,
plus more than 100 ATMs of national financial institutions that are part of the VISA network plus over 25,000 ATMs of SBI
in India. We also provide internet banking, mobile banking as well as Vishwa Yatra Card (foreign currency USD visa card).
Two mobile ATM is also being launched at Kathmandu and Pokhara respectively.
PAYMENT GATEWAY, e-CORNER, SSK, CDM FACILITIES
The bank has recently launched its own payment gateway for facilitating outward remittance to India. Similarly a state of art
e-corner with ATM, CDM and SSK (Self Service Kiosk) facilities are also available at our Durbarmarg Main Branch,
Kesharmahal, Kathmandu.
IRCTC TICKET ONLINE BOOKING UTILITY
This product facilitates hassle-free booking of tickets of Indian Railways. With this utility, our customers can book tickets
through IRCTC’s Online Passenger Reservation System and can make payment through Nepal SBI Internet Banking
Mr.Mr.Mr.Mr. Anukool Bhatnagar Anukool Bhatnagar Anukool Bhatnagar Anukool Bhatnagar
Managing DirectorManaging DirectorManaging DirectorManaging Director & & & & CCCCEOEOEOEO
Nepal SBI Bank Ltd.Nepal SBI Bank Ltd.Nepal SBI Bank Ltd.Nepal SBI Bank Ltd.
“Message from the CEO” It’s my pleasure to welcome all readers, stakeholders and
well-wishers to 3rd
volume of our bank’s quarterly
newsletter “Laligurans”. Nepal SBI Bank Ltd has completed
its glorious 23rd
years of its operation and entered in to 24th
years of operation in Nepal. As a part of our commitment
towards providing easy, accessible and customer friendly
modern technology based banking service, NSBL has been
launching and introducing various product and services in
its service delivery platform. Two such recent initiatives are
NSBL E-corner and NSBL payment Gateway. We will be
continuously adding more value added product and services
in the days to come.
At last, I would like to convey my sincere thanks to our
valued customers, stakeholders, regulators for their
continuous support in our journey to 24th
year of operation
in Nepal.
With Warm Wishes
Anukool Bhatnagar, MD , CEO
Nepal SBI Bank Limited
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Marketing Myopia
(A Harvard Business Review article) His question is, if Hollywood were into television rather than movies, wouldn’t it have profited more? This is true because as we know the major crowd of Hollywood is concentrating into making movies and actually money is more into television.
The marketing myopia theory was originally proposed by Theodore
Levitt. The theory states that marketers should look towards the
market and modify the company and products accordingly rather
than looking towards your own company, its potential and then
catering the market. The needs of the market should receive first
priority.
Theodore Levitt asks a very interesting question as an example for
marketing myopia. His question is, if Hollywood were into television
rather than movies, wouldn’t it have profited more? This is true
because as we know the major crowd of Hollywood is concentrating
into making movies and actually money is more into television.
Thus, if Hollywood would have catered to the television market, they
would have earned more. And Theodore Levitt’s marketing myopia
theory has turned right as Hollywood has entered television with
renowned movie maker twentieth century fox as well as Sony
televisions and other channels.
According to the marketing myopia theory, to cater a market – a
company not only needs to be technically sound and product
oriented but it also needs to be customer oriented. It needs to know
what are the needs of the customer and what further innovations
can the company bring to maintain customer interest or how it can
adapt to the changing business market.
Implications of the Marketing Myopia
theory - Marketing myopia can be used by marketers as well as
advertisers to determine whether or not they are catering the right
market. Should they adapt their products to cater a larger market?
What kind of advertising strategies should they use? How can they
bring about synchronization between the
productions capabilities of marketer as well as advertisers to
determine whether or not they are catering the right market. Should
they adapt their products to cater a larger market? What kind of
advertising strategies should they use? How can they bring about
synchronization between the production capabilities of companies
and the demand in the market?
In Summary, Marketing Myopia asks the companies to do the
following
· Be more customer focused
· Innovate
· Be in control
· Understand customer desires
· Conduct marketing research programs
·Marketing strategy should be developed keeping feedback of
customer in mind.
ICRA NEPAL Assigns Ever Highest Rating to
Nepal SBI Bank ICRA Nepal Limited has assigned issuer rating of "[ICRANP-IR] AA"
(pronounced ICRA NP Issuer Rating Double A) to Nepal SBI Bank Limited on
15th July 2016. "[ICRANP-IR] AA" rating is considered as high credit quality
rating assigned by ICRA Nepal and the rated entity carries low credit risk.
ICRA Nepal has also reaffirmed the rating of [ICRAP] LAA (pronounced ICRA
NP Double A) to the subordinated bonds/debenture of NPR 200 Million of
Nepal SBI Bank Ltd. issued in the year 2014. Instruments with this rating are
considered to have high degree of safety regarding timely servicing of
financial obligations and such instruments carry very low credit risk.
Both the above ratings are the highest ratings ever assigned by ICRA Nepal
to Nepalese listed companies.
As per ICRA Nepal, the rating assignment/reaffirmation factors the bank's
strong promoter profile, existence of Technical Service Agreement (TSA)
with State Bank of India, established track record (operating since 1993)
and adequate franchise leading to good market positioning in Nepal. ICRA
Nepal's Rating Certificate further states that the rating was assigned to the
Bank by taking into consideration bank's experienced senior management,
improved deposits profile, strong asset quality, adequate capitalization
levels, moderate portfolio growth and adequate earnings profile.
Mr. Deepak Raj Kafle, Managing Director and CEO of ICRA Nepal Limited
handed over Rating Certificate to Mr. Anukool Bhatnagar, MD & CEO of
Nepal SBI Bank Ltd. amidst a ceremony held today at ICRA Nepal's Office,
Sunrise Bizz Park, Dillibazar, Kathmandu. Mr. V.K. Tyagai, COO & Dy. CEO,
Mr. Subhakanta Kanungo, COO (Designate), Mr. Priya Ranjan, CFO, Mr.
Ramesh Ghimire, MD & CEO of Nepal SBI Merchant Banking Ltd., Mr. Sushil
Kumar Sharma, HOD- New Business Group and Mr. Kishor Prasad Bimali,
Senior Analyst, ICRA Nepal were present on the occasion.
Nepal SBI Merchant Banking Limited
NSBL Payment Gateway facilitates transfer of funds/payments of imports/INR Remittances (Outward Remittances) to any bank with RTGS/NEFT connectivity in India as well as inward remittances also. It is a cost effective electronic remittance channel and instant banking services based on reliable funds transfer system for transferring funds from Nepal to India and India to Nepal.
Features:
• Fastest money transfer system (Trade/ Non Trade) through the Banking Channel.
• Instant banking services based on reliable funds transfer system.
• Direct credit to SBI beneficiaries in India.
• Fund can be transferred to all NEFT enabled branches in India.
• Transaction is settled on real time basis, guided by the settlement batch of RBI (in case of banks outside SBI Group).
• Convenient and Hassle Free.
Features of NSBL D-mat Account:
i. Opening of D-mat account in the name of security holders (Individual/
Company).
ii. Dematerialization and Re-materialization of securities.
iii. Electronic record of securities in Beneficial Owner (BO) accounts.
iv. Settlement of trade by transferring/receiving the securities from/into BO
accounts.
v. Quick electronic credit of securities allotted by issuers during IPOs, FPOs,
Rights, etc.
vi. Timely deposit of stock dividends (such as: bonus, right shares, etc.).
vii. Simplified securities pledge.
viii. Up to date statement of D-mat account to the Beneficial Owner.
NEW CORNER
NSBL
Payment Gateway
NSBL Adventure Club: In order to familiarize NSBL to the general public NSBL Adventure Club was formed and first adventure program was
conducted at Swoyambhu Nath Temple area on 30.01.2016. CEO, CFO, CCO, Department head and other staff members of the bank participated in
t
CSR Activities
NSBL CSR Activities/ Other Activities Nepal SBI Bank Ltd. has supported the project of construction of main entrance gate (on the Nepal SBI Bank Ltd. has supported the project of construction of main entrance gate (on the Nepal SBI Bank Ltd. has supported the project of construction of main entrance gate (on the Nepal SBI Bank Ltd. has supported the project of construction of main entrance gate (on the
theme of UNESCOtheme of UNESCOtheme of UNESCOtheme of UNESCO World Heritage Design) World Heritage Design) World Heritage Design) World Heritage Design) atatatat Pashupati Area Development Trust (PADT) Pashupati Area Development Trust (PADT) Pashupati Area Development Trust (PADT) Pashupati Area Development Trust (PADT)
Shri B. Sriram, MD(CB), State Bank of
India and Chief guest Shri Anand Prasad
Pokharel, Chairman PADT, Minister of
Civil Aviation, Culture & Tourism,
Government of Nepal laid Foundation
Stone for constructing gate at Pashupati
Nath Temple by Nepal SBI Bank Ltd as
per UNESCO world heritage standard
and design. Shri. Siddhartha Sengupta,
Dy. MD (IBG), SBI, Shri. Sujit Kumar
Varma, CGM (IB), SBI, Shri. Hasana
Sharma, Chairman, NSBL, Shri. Anukool
Bhatnagar, MD, NSBL and Shri. Vijay
Kumar Tyagi, COO & Dy. CEO, NSBL and
other high ranking official of the bank
were present in the program.
(Date: 15.05.2016, Place: Kathmandu, Nepal)
Nepal SBI Bank Limited Extends Support of Rs. 3.30 Lacs to Shree Nandi Madhyamik
Vidhyalaya, Naxal, Kathamndu
Nepal SBI Bank Ltd. contributed Rs. 123 million to Prime Minister
Disaster Relief Fund
CSR Activities (Contd…)
NSBL has contributed Rs. 123 million to the Prime
Minister Disaster Relief Fund. MD and Corporate
Banking Chief of the SBI, Shri. B. Sriram handed
over a cheque amounting Rs. 52.10 million to
Prime Minister KP Sharma Oli at the latter’s
Official Residence, Baluatar. The bank collected
the money as a part of its CSR initiatives. The
bank had contributed Rs. 71 million to the fund
last year. The contribution of Rs. 123 million is the
highest amount contributed by the banks. Deputy
MD of SBI, Shri. Siddhartha Sengupta and CGM,
Shr Shri. Sujit Kumar Varma, Nepal SBI Bank’s
Directors, Shri Niranjan K Tibrewala and Shri.
Sanjaya Kumar Sureka, MD, Shri. Anukool
Bhatnagar, Deputy CEO, Shri. Vijay Kumar Tyagi
and officials of the bank were present on the
occasion.
(Date:14.05.2016, Place: Kathmandu, Nepal)
NSBL has provided scholarship to top 30
meritorious financially downtrodden students
(15 from 2071 and 15 from 2072 Batch) who
had completed their SLC graduation in the
year 2071 B.S. and 2072 B.S of Shree Nandi
Madhyamik Vidhyalaya, Naxal for persuing
their higher education. The Scholarship
Cheques each of Rs. 11,000.00 were handed
over by the Chief Guest, Mr. Subhakanta
Kanungo, Chief Operating Officer (Designate),
Mr. Priya Ranjan, Chief Financial Officer, NSBL,
to “Top 30 Students scoring highest marks
in SLC Exam 2071 and 2072” in presence of
Chairman of School Management Committee,
Head Master, Teachers of the school and other
invitees.
(Date: 20.07.2016, Place: Kathmandu, Nepal)
CSR Activities (…Contd)& NSBL Activities
Nepal SBI Bank donated Two High Pressure Cleaning Machine to Pashupati Area
Development Trust (PADT)
Nepal SBI Bank Ltd. handed over the
cleaning equipments to Pashupati Area
Development Trust (PADT) through its
Pashupati Extension counter to keep the
Pashupatinath temple area clean and tidy.
The bank has also assisted PADT in
maintaining the cleanliness at
Pashupatinath Temple area by providing
ten trained cleaners for a period of 5 years.
Shri B. Sriram, MD and Corporate Banking
Group from banks foreign promoter State
Bank of lndia handed over the cleaning
machine to Shri Govind Tandon,
Member Secretary of PADT amidst a
ceremony.
(Date: 14.05.2016, Place: Kathmandu, Nepal)
Glimpse of
Meeting with our
Privilege Customer
A business meet was made with
Shri. Tulku Chokyi Nyima Lama &
Shri Radheshyam Saraf at Nepal
SBI Bank Ltd. Boudha Branch in
presence of Sri Anukool Bhatnagar,
MD of Nepal SBI Bank Ltd , Sri Chapi
Raj pant , Chief Risk & Compliance
Officer, and Mr Ankur Dahal BM of
Boudha Branch . Mr Lama is one of
the renowned Rimpoche and was
also the chief guest during opening
of Bouddha Branch. During the
meet the lama guru opened FD of Rs.
400.00 Lacs with Nepal SBI Bank
Boudha Branch.
NSBL Activities
Launching of NSBL Payment Gateway, Remote opening of 2
branches (Kawasoti & manigram Branch), NSBL's ATM utilities,
Mobile banking with rebranding "Mero Saathi" and Mobile
ATMs ( Kathmandu and Pokhara ).
Group photo after inauguration of e-Corner (ATMs, Cash Deposit
Machine, Self Service Kiosk) at Durbarmarg Main Branch,
Kesharmahal.
Inauguration of Nepal SBI Merchant Banking Subsidiary: Nepal
SBI Merchant Banking Ltd. (NSMBL).
Inauguration of Mobile ATM for Kathmandu and Pokhara Valley at Durbarmarg,Kathmandu.
Launching of special issue of NSBL Newsletter (In house Magazine) “Laligurans”at Durbar Marg Branch, Kathmandu.
Interaction program with RMs, HoDs and Branch Managers of Kathmandu valley and a few major Branches.
NSBL Activities (…Contd)
Nepal SBI Bank Limited conducted Cycle Tour from its Keshar Mahal
Branch building to Chobhar and
from Chobhar to Keshar Mahal,
Kathmandu. Chief Operating
Officer, Shri. Vijay Kumar Tyagi
inaugurated the Cycling Tour and
also participated in the Cycling
Tour. The program was successful
in conveying / familiarizing the
banks activities in Nepal. Staff
members of valley based branches,
corporate office, HoD and other
senior official of the bank
participated in the program.
Nepal SBI Bank Ltd. sponsored the
event “CNI Nepal Nirman 2073“ held on 24th and 25th, June 2016 at
Soaltee Crowne Plaza, Kathmandu.
The event was managed by CNI and
Himalayan Television and the
program was witnessed by Shri.
Anukool Bhatnagar, Managing
Director, Shri. Vijay Kumar Tyagi,
Chief Operating Officer, Shri. Priya
Ranjan, Chief Financial Officer and
other high ranking official of Nepal
SBI Bank Ltd.
Shri. Anukool Bhatnagar, Managing Director, of Nepal SBI Bank Ltd. expressed his views on “ Economic Upliftment : Growth and Prosperity “ as a panel member, during the first day panel discussion program of CNI Nepal Nirman Event 2073 held on 24.06.2016 at Hotel Soaltee Crowne plaza, Kathmandu.
Sri Niranjan Kumar Tibrewala, Sri Sanjay K. Sureka, Public Directors of Nepal SBI Bank and Sri Anukool
Bhatnagar, Managing Director & CEO of Nepal SBI Bank Participated in 2 days training on “Directors
Refresher Course“ organized by National Banking Institute at Gokarna, Kathmandu.
News collection
“Inspiration and motivation may come from others, but true inspiration comes from
within." Catherine Pulsifer
Our heartiest Congratulations
To Mrs. Damayanthi JoshiMrs. Damayanthi JoshiMrs. Damayanthi JoshiMrs. Damayanthi Joshi
(HoD, HRD, Nepal SBI Bank Ltd) &
Mr. Sudhamsu Koirala for
getting married. We wish for
your happy life together.
HAPPY MARRIED LIFE
NSBL FamilyNSBL FamilyNSBL FamilyNSBL Family
Our Services: Our Deposit, Loan and Remittance Products
& Auxiliary Services
We serve through 69 Banking Outlets & 85 ATMs
Nepal SBI Bank Limited With Us, You are Always a Winner !
Corporate Office, Hattisar
Kathmandu, Nepal
Tel:01-4435613, 4435516
Fax:01-4435612
Email: corporate @nsbl.com.np
Website: www.nepalsbi.com.np
Your Suggestions, Creative Ideas & Writings
are welcome at
NBG: Business Development & marketing Department
Corporate Office, Thamel, Kathmandu
email: [email protected]
Phone No. 01-4423309.
DISCLAIMER: The information and opinions contained in this publication have been obtained from the sources believed to be reliable. The bank makes no representation or
warranty, express or implied as to its accuracy or completeness and should be relied upon as such. The bank and its employees accept no liability whatsoever for any direct or
consequential loss however arising from this publication or its contents.
Quote of the Month
"Constantly visualizing your goals will also help yourself stay motivated in the long run."
Mark Snyder,