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1
Internship Report Silk Bank
EXECUTIVE SUMMARY
Silk bank is the Public sector financial institution. The Silk bank was established on
1949, to serve as an agent to the SBP. Silk bank head office is in Karachi. It has 149
regional branches and 1! overseas branches. Silk bank is a "# share owned b$ the
%overn&ent of Pakistan '%(P). Silk bank*s total assets stood at PK+!, billion on &id
of ,,9. This included total earning assets of about PK+-! billion with gross loan
.ortfolio of PK+14, billion. The bank also has an invest&ent .ortfolio of PK+1/1
billion, which co&.rises treasur$ securities, cor.orate bonds, shares and other securities.
This re.ort is based on internshi. in Silk bank branch na&e. It is a fa&ous and re.uted
bank of Pakistan. Silk bank &aintains first .osition in banking sector in Pakistan.
This re.ort is based on the activities, which are .erfor&ed in this bank. This re.ort
contains Banking services, co&.etitive anal$sis, S0(T anal$sis, bank tariffs and
e1change rates of Silk bank. There are also stated the activities which I .erfor&ed during
&$ internshi. in the branch. In this re.ort I also discuss the industr$ anal$sis of banking
s$ste& in Pakistan. 2uring the internshi. I was observed the 3obs task of the e&.lo$ees
and at the we find hi& a lot of .roble&s at the &anage&ent level.
So I 4ave &entioned all the .roble&s fro& which the branch has been suffered have
given the suggestion that can the$ solve branch .roble&s5 There are also &entioned the
wa$ of invest&ent, rates of invest&ent, and all t$.es of financing and loans facilities the
Silk bank .rovides. The .roble&s in this branch are also discussed. This re.ort also
inti&ates about the dail$ reserves, which are re6uired b$ the branch to &eet the need of
its dail$ transactions.
R
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o %7?C? %7&@C
%7BAE %7E&?
De:) )o
T!(.i:le
N7W FB7??% FF7E@& B7B%? B7DA?
Des"ip)io(1
If we look at the 2ebt ratio and 2ebtI86uit$ ratio it is clearl$ understandable that the
bank has greater .ortion of debts in its ca.ital structure, but as co&.are to ,,7 in ,,-
the condition is better and the bank has graduall$ increased its e6uit$ .ortion as co&.are
to the debt. Still &anage&ent need to change its ca.ital structure and higher .ortion of
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Internship Report Silk Bank
e6uit$ &a$ result in better results, as it is .resent in ti&es interest earned ratio which is
showing that increase in the e6uit$ is .utting health$ effect in returns.
$o5i)!:ili)y R!)ios1
R!)ios %??& %??@ %??A %??B
R7O7Asse)s ?7EH F7%H F7B@H %7DH
R7O7E=+i FA7%H F@7DH FB7DH %?7CH
R7O7I(4 B7?H FD7DH FE7DH %&7%H
R7O7Op
Asse)s &7DH &7CH A7&H B7&H
Des"ip)io(1
:s we have seen in other ratios of leverage and li6uidit$ the co&.an$As financial .osition
is &uch better in later $ears as co&.are to the $ear ,,7, bank has got graduall$ and
continuous increase in its inco&e which is increasing its return on assets, e6uit$ and
invest&ent. Still return on assets is showing that bank is not utiliBing its assets .ro.erl$
,
Internship Report Silk Bank
and its efficienc$ is to be increased. +eturn on e6uit$ is satisfactor$ and showing that
bank is having ver$ less .ortion of e6uit$.
SWOT ANALYSIS
S)e(.)#s1
Public confidence
Sound financial strength
4ighest .rofitabilit$
Jast o.erational network
+ole in econo&ic develo.&ent
Htilit$ bills collections
=or.orate branches
8vening banking
8fficient ho&e re&ittance
+ecognition of hard work of staff
S0I;T
Internet access 'www.silkbank.co&)
Pension > salaries .a$&ents
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Internship Report Silk Bank
(nline cit$ branch
We!G(esses1
<ack of good delegation
Inade6uate, .oorl$ .laced network technolog$
=o&.le1 CIS
2ee. rooted bureaucratic a..roval
<ack of long ter& > short ter& .lans
<ess share in i&.ort > e1.ort business
Poor resource utiliBation
Eeed better service .olic$
;re6uent change in senior &anage&ent
Oppo)+(i)ies1
Eew st$le &anage&ent
Introduction of new .roducts and services
Introduction of new technolog$ > electronic banking
=a.ital &anage&ent > e6uit$ financing
Secondar$ &arket o.erations
Eew de.osit sche&e
T#e!)s1
8stablish&ent of new .rivate financial institutions > e1.ansion
%ovt. s.onsored sche&es
Political .ressure
+educing branch network