You are on page 1of 17

Internship Report

Bachelors of Business Administration Program

Farah Roohi

Reg. NO:


Company Name:
Bank Alfalah Ltd.

BBA (Finance)

Supervisor Name:
Miss. Nadia

Start Date for Internship:

21st July 2009.

End Date for Internship:

30 August 2009.





First of all I am thankful to ALMIGHTY ALLAH, the benevolent and the most merciful
whose name is a source of courage and whose remembrance provides me energies to
complete this internship task assigned to me.

I am grateful to Miss. Nadia (Operations officer) at Bank Alfalah Taxila, special thanks
to Mr.Samer Azeem (Remittance officer) and Miss. Zubaida (Customer
Services officer) for their valuable guidance for me to work as an internee in
Bank Alfalah Ltd.

This report is about my internship program at Bank Alfalah Ltd. (Taxila

Branch).Internship is the core requirement of my Bachelors degree therefore I decided to
do it in Alfalah Bank Ltd, after getting inspiration from my teacher who was the previous
employee of Alfalah Bank. ). It deals with the description of my six week professional
experience in banking environment.


“The Caring Bank”

Bank Alfalah Limited is a private bank in Pakistan owned by the Abu Dhabi Group.
Bank Alfalah was incorporated on June 21, 1997 as a public limited company under the
Companies Ordinance 1984. Its banking operations commenced from November 1, 1997.
The bank is engaged in commercial banking and related services as defined in the Banking
companies ordinance, 1962. The Bank is currently operating through 195 branches in 74
cities, with the registered office at B.A.Building, I.I.Chundrigar, Karachi.


To develop and deliver the most innovative products, manage customer experience,
deliver quality service that contribute to brand strength, develop a competitive advantage
and enhance profitability, thus providing value to the stakeholders of the bank.

To be the premier organization operating locally & internationality that provides the
complete range of financial services to all segments under one roof.

Organizational Chart



Account Remitt- Accounts
Cash Opening ances Sales Credits & admin.
deptt. deptt. deptt. deptt. deptt. deptt.

Bank Alfalah Taxila branch is located in Kohistan Plaza (Taxila city).This branch
started its working in October 2008.It has 16-20 staff members including Managers,
Employees, guards and tea boy. Following Departments are operated in this branch;

 Cash department
 Account opening department.
 Remittances department.
 Sales department.
 Credits department.
 Accounts and admin department.
 Customer services department.


In branch banking Alfalah is offering following product and services;

 Credit cards.
 Debit card (Hilal card).
 ATM’s.
 Online fund Transfer Services.
 Cash deposits.
 Cash Withdrawal.
 Account opening/closing.
 Car loan
 Home finance
 Auto/Vehicle Loans
 Clearing and collection
 Lockers


Following are the core values of the organization.

 Professional Integrity
 Customer Satisfaction
 Team Work
 Company Loyalty
 Corporate Culture


I have been working for six weeks at Alfalah from 21st July till 30 August as internee. My
working hours were 9am till 5pm daily except Saturday which was half day. Every day the
work started at 9am in branch after recitation of few verses of Holy Quran. It was a
wonderful and learning experience for me at Alfalah. During six weeks of my internship I
have been circulated in following departments.

 Account Opening department.

 Bills and Remittances department.
 Customer Services department.

1) Account Opening Department:

My internship begins from account opening deptt. My supervisor over there was Miss.
Nadia. Major task and activities I had learnt over there includes;

 Account opening and closing.

 Bank Statement issuance and Cheque book issuance.
 Working with VERISYS (NADRA verification system, a facility provided
to all banks for individual identifications)
 Preparation of daily account opening reports.
 Preparation of packing list of whole day activity.

I have passed 14 days in this deptt. It was a good learning experience in that section. It
was the department where you built customers for the bank. In other words it is the start of
banking relationship with a customer. After four to five days I was capable of doing the
procedures of Account Opening. With the passage of time I had completely understand
different types of procedures, requirements, regulation, and charges for cheque book
issuance, bank statement issuance and get the know how of customer dealing. Being the
student of finance I was always interested in the entries passed for various transactions. On
10th day I am able to prepare a packing list and daily report of account opening as well.

2) Customer Services Department:

This was my second destination for work, where I have passed 7-8 days. It was the most
tough and busy department of branch. It deals with direct customer dealing, established to
resolve the queries, complaints and issues related to any walk in customer. Mail receiving,
reporting, and customer calling was other related duties of this section. Slips for cash
deposit, credit card payment, online fund transfer, cheque deposit receipt all are available
at this desk. My instructor helps me a lot in learning the professional attitude in dealing
with customers. She appreciated my work and also pinpoints the flaws time to time for

3) Bills and Remittance department:

This department deals with following duties;

 Preparation of Pay orders and demand drafts.

 Receiving, posting and processing inward clearing.
 Preparation of outward jotting.
 Preparation of IBCA (inter branch credit advice).
 Lodging of bank instruments in collection.

During my training at this department, I had learnt the way how pay orders and demand
drafts are prepared. We daily received inward clearing which will be posted on system and
recorded manually as well. I understand the entries passed for inward and outward

Clearing transactions. I had learnt about NIFT (National institute of fund transfer) who has
been providing intermediary services to bank for clearing procedures.

I just visited these three departments time to time. Sales and Credit officers are mostly
involved in outdoor activities for bringing more and more customers for bank. That’s why
I had little interaction with them. On the other hand I am not allowed to visit cash
department because of secrecy and sensitivity of this department. .However cash officer
often discusses the procedures with me during lunch time that gives me information about
the working of cash department.


During my work, I was rotated in different departments of Bank Alfalah Ltd and I
understood their operations and procedures. It will not be an exaggeration if, I say that the
entire staff of the Bank Alfalah was extremely courteous, polite, co-operative, helpful,
worth remembering in every sense. At the end I shall be very thankful to Alfalah for
providing me this learning opportunity at their Taxila Branch. They really encourage my
work spirit a lot.

God created
God created the donkey and said to him.
"You will be a donkey. You will work un-tiringly
from sunrise to sunset carrying burdens on your
back. You will eat grass, you will have no
intelligence and you will live 50 years."

The donkey answered: "I will be a donkey, but

to live 50 years is much. Give me only 20
God granted his wish.
God created the dog and said to him:
"You will guard the house of man. You will be
his best Friend.
You will eat the scraps that he gives you and
you will live 30 years.
You will be a dog. "

The dog answered: "Sir, to live 30 years is too

much,give me only 15 years."
God granted his wish.
God created the monkey and said to him:
"You will be a monkey. You will swing from
branch to branch doing tricks.
You will be amusing and you will live 20 years. "

The monkey answered: "To live 20 years is too

much, give me only 10 years."
God granted his wish.

Finally God created man ... and said to him:

"You will be man, the only rational creature on
the face of the earth.

You will use your intelligence to become master

over all the animals.
You will dominate the world and you will live 20

Man responded: "Sir, I will be a man but to live

only 20 years is very little, give me the 30 years
that the donkey refused, the 15 years that the
dog did not want and the 10 years the monkey
God granted man's wish

And since then, man lives 20 years as a man ,

marries and spends 30 years like a donkey,
working and carrying all the burdens on his
Then when his children are grown,
he lives 15 years like a dog taking care of the
house and eating whatever is given to him,
so that when he is old,

he can retire and live 10 years like a monkey,

going from house to house and from one son or
daughter to another doing tricks to amuse his

That's Life. Is'nt it ??????????

When MOMIN will enter into Jannat, it will be announced

1) You will remain healthy forever, disease will never come.

2) You will remain alive for ever, death will never come.

3) You will remain in bounties which will never be finished.

Jannat is made with:

Bricks of Gold and Silver

Its cement is of perfumed Musk

Its chips are pearls and Yaqoot

Its sand is Zafraan

There are eight doors of Jannat. These are eight grades of Jannat:

1. Jannatul Mava

2. Darul Maqaam

3. Darul Salaam

4. Darul Khuld

5. Jannat-ul-Adan

6.. Jannat-ul-Naeem

7. Jannat-ul-Kasif

8. Jannat-ul-Firdous
Jannatul Mava is in the lowest,

Jannat-ul-Adan is the middle &

Jannat-ul- Firdous is on the highest.

Food of Jannat:

They will eat foods and fruits continuously up to 40 years

Every bowl will have a new taste

They will take eructation which will digest the food and there will be perfumed sweating for the
digestion of water

There will be no urine and stool

Place Name:

There will be gardens in Jannat.

Every garden will have the length of about 100 year ' s journey.

The shadow of these gardens will be very dense.

Their plants will be free of thorns.

The size of their leaves will be equal to ears of elephants.

Their fruits will be hanging in rows.

Those who love each other for the sake of Allah will get a pillar of Yaqoot, on which there will be
seventy thousand (70,000) rooms. These will shine for the residents of Jannat as the sun shines for
the residents of Duniya

There will be rooms in Jannat in such a way that every room will have seventy thousand (70,000)
dinning sheets. On every dinning sheet 70,000 types of foods will be served. For their service
80,000 young boys will be moving around looking like beautiful scattered pearls.

One bunch of dates will be equal to the length of 12 arms. The size of a date will be equal to the
big pitcher. These will be whiter than milk, sweeter than honey and softer than butter and free of
seeds. The stem of these plants will be made up of gold and silver.
There will also be gardens of grapes. The bunches of grapes will be very big. The size of a single
grape will be equal to a big pitcher.

Someone asked, ya Rasulullah (Sallalahu alaihi wasallam): will it be sufficient for me and my
family. It was answered, it will be sufficient for

you and your whole tribe.

The Dresses of Jannat:

The dress of Jannat will be very beautiful.

One will wear 70 dresses at a time.

These will be very fine, delicate, weightless (made with the Noor of Allah), having different

These dresses will be so fine that the body even the heart will be visible.

And the waves of love in the hearts will also be visible.

These dresses will never become old, never be dirty and will never tear.

When People of Jannat will want to change the dress they will go near a Tree called Tooba. They
will desire a dress and next moment they will find the desired set of dress on their body and the
previous would have gone.

There will be four canals in every Jannat:

1. Water.

2. Milk.

3. Honey.

4. Sharabun Tahoora.

There will also be three fountains in Jannat:

1. Kafoor.

2. Zanjabeel.

3. Tasneem.

Qualities of People of Jannat:

In Jannat,

Height of every MOMIN, will be equal to the height of Hazrat Adam (Alaihissalaam) 60 arms (90

Beauty will be like that of Hazrat Yousuf (Alaihissalaam).

Age of youth will be like that of Hazrat Esa (Alaihissalaam) 30-33 years).

Sweetness of voice will be like that of Hazrat Dawud (Alaihissalaam).

Tolerance will be like that of Hazrat Yaqoob (Alaihissalaam).

Patience will be like that of Hazrat Ayyub (Alaihissalaam).

Habits will be like that of Sayyaduna Muhammad (Sallalahu alaihi wasallam).


If a person makes Du ' a for Jannat three times, Jannat requests Allah that O, Allah; make his entry
into Jannat.

And if a person makes Du ' a for safety from Jahannum three times, The Jahannnum requests Allah
that, O, Allah; save him from Jahannum.

Please pass on and may Allah grant the entire Ummah of Nabi sallalahu alayhi wasallam Jannat ul
Firdous Ameen!

Every good act is charity.

JAZAK ALLAHU KHAIR- May Allah Forgive our sins... Ameen!

Remember the Prophet P.B.U.H said if u have knowledge pass it on even if it is just one verse. So
pl. forward this message.