INTERNSHIP REPORT

MUSLIM COMMERCIAL BANK LIMITED

MUHAMMAD USMAN
B.COM 07171003
SESSION: (2017-2019)

DEPARTMENT OF MANAGEMENT SCIENCES

LAHORE BUSINESS SCHOOL
INTERNSHIP LETTER

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 APPROVAL SHEET

Supervisor

 NAME Ms. Ammara Sarwar

 DESIGNATION Lecturer (Department of Management Sciences)

 SIGNATURE _______________________________________

Head of Department

 NAME Dr. Rozeia Mustafa

 DESIGNATION Associate Professor. (Department of Management Science)

 SIGNATURE _______________________________________

Report evaluation committee members

 NAME Mr. Kamran Iqbal

 DESIGNATION Lecturer (Department of Management Sciences)

 SIGNATURE _______________________________________

 NAME Mr. Noman Mustafa

 DESIGNATION Lecturer (Department of Management Sciences)

 SIGNATURE _______________________________________

 NAME Ms. Tehreem Fatima

 DESIGNATION Lecturer (Department of Management Sciences)

 SIGNATURE _______________________________________

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 DEDICATION

I humbly dedicate this report and the efforts, time and hard work put in it to my
parents as without their moral support and prayers, it would have been quite a task for me to
undergo internship outside city and to frame its report.

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 ACKNOWLEDGEMENT

All praise and glory to the almighty Allah who is omnipotent and omnipresent; who guides us
in darkness and shows us the right path and who is the master of the Day of Judgment. We
seek his help in all the trails of life. All respect to the Holly messenger of Allah, Hazrat
Muhammad Mustafa (SA), who brought the light of knowledge and truth when the humanity
was wandering in the desert of ignorance and who was torch bearer of all the values for all
the mankind.

I can’t forget my parents at this critical point in my life who always gave me support,
guidance, supervision and encouragement. I should like to express my sincere gratitude to my
research supervisor Ms. Ammara Sarwar whose knowledge, systematic guidance and
experience helped me to come up with the demand of the study.

I am very thankful to my university, University of Lahore, Sargodha Campus. I am thankful

to all well-wisher friends for their support and help. I am also thankful to MCB Khushab
Branch for their cooperation.

I salute all these who helped, motivated and encouraged me, in anyway, in any matter
concerning the completion of my thesis.

Muhammad Usman

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 EXECUTIVE SUMMARY

This report is about my internship program with MCB Bank Limited. In this comprehensive
report, I have discussed about every major aspect of the bank, which I observed and
perceived during my internship program.

In this report you will find the detail about the bank right from its incorporation to the current
position. Along with it, the processes, policies and procedures of the bank are also discussed
in detail. During my internship program,

I mainly worked in General Banking Operations. All the departments under operations have
been discussed in detail and all the policies and procedures have been described thoroughly.

The main purpose of internship is to learn, by working in practical environment and to apply
the knowledge acquired, during the studies, in a real world scenario. In this report, I
discussed the SWOT analysis of the bank in detail. In which I explained what are the strength
of the company and how by using these strength they can get the opportunity that are
prevailing in the market. I also discussed about various weaknesses of the company when if
they do not solve early, then it can become threat for them. For understanding the working
environment of the market of the banking sector for I did PEST analysis which reflects the
problematic area for the businesses in the Pakistan market and what economic, political,
technological factors are important for the banks to follow in order to retain and expand their
market share. Financial analysis is made to check the financial performance of the bank.

In the end the learning and experiences section consists of all the practices and procedures
which I have undergone through and learned during my internship program. I discuss my
internship working which includes my duties, responsibilities and accomplishment during
internship period and based on my experience I put suggestion and recommendations for
MCB.

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TABLE OF CONTENTS

Section # 1.................................................................................................................................. 1

1. INTERNSHIP OBJECTIVES ......................................................................................... 1

2. PROFESSIONAL AND PERSONAL DEVELOPMENT TARGETS .......................... 1

3. INTRODUCTION TO THE INTERNSHIP ORGANIZATION………………………2

Section # 2………………………………………………..……………………………………3

2.1. VISION STATEMENT ……………………………..…………………………………3

2.2. MISSION STATEMENT.....……………………………..……………………………3

2.3. ORGANIZATIONAL HIERARCHY…………….……………………………………4

2.4. DEPARTMENTS INFORMATION…………………………………………………...5

2.5. CULTURE, IDENTITY AND IMAGE OF INTERNSHIP ORGANIZATION ............ 7

Section # 3……………………………………………..………………………………………8

3.1 .PRODUCT AND SERVICES ………………………….……………………………..8

3.2 SWOT ANALYSIS…………………………………………………………………....11

3.3 PEST ANALYSIS……………………………………………………………………..13
Section # 4………………………………………………………………...………………….14
4.1. VERTICAL ANALYSIS…………………………………………………..……………17
4.2. HORIZONTAL ANALYSIS……………………………………………………………19
4.3. RATIO ANALYSIS…………………….……………………………………………….21
Section # 5……………………………………………………………………………………28

5.1. INTERNSHIP EXPERIENCE SUMMARY ……………………………………..…28

5.2. CONCERED DEPARTMENTS, DUTIES AND LEARNING………………………....29
5.3. RECOMMENDATION FOR THE INTERNSHIP ORGANIZATION…………...……29
References……………………………………………………………………………………31

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 Internship Report on MCB

SECTION # 1

1. INTERNSHIP OBJECTIVES

This report covers the internship undertaken at the Muslim Commercial Bank limited.
MCB Bank Limited , with more than 60 years of experience as one of the leading bank of the
Pakistan, was incorporated on July 9 in 1947 .the MCB bank was ranked very high and make
remarkable progress by deploying quality banking, technology development, professional and
the leading management and prudent an ethical work methodologies. MCB was nationalized
along with other private banks in 1974 as part of government of Pakistan’s economic reform
movement and was later privatized to Nishat Group lead consortium in 1991.

Since privatization MCB make exceptional progress and today in Sri Lanka MCB is
one of the largest foreign bank. MCB is the first bank in Pakistan which launch the Global
Depositary Receipts (GRD) in 2006, has strategic foreign partnership with Maybank of
Malaysia wit holds 20% shares in MCB through its wholly owned subsidiary Mayban
International Trust (Labuan) Berhad since 2016, has international indirect regional presence
in Dubai (UAE) , Bahrain, Azerbaijan, Hong Kong and Sri Lanka and servicing through a
domestic network of over 1130 branches and 600 ATMs through nationwide in Pakistan and
with a customer base of 4.5 million approximate.

2. PROFESSIONAL AND PERSONAL DEVELOPMENT TARGETS

The purpose of internship was to understand the application of theoretical knowledge

in practical situations and to get help to examine organization’s financial issues identifying
the problems and opportunities and also go for their corrective measures. Moreover,
understanding the running mechanism of this particular organization e.g. Muslim
Commercial Bank Limited (MCB). As an internee I intended to learn and achieve the
following objectives:

 To get familiarized with a business organization and

 With different departments and their functions in an organization.
 To understand the key business processes and their implementation in an
organization.
 To understand the use of information in an organization in order to take decisions.
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  To relate theoretical knowledge with practical work while being in an organization.
 To develop personal skills by practicing the conversion of this theoretical knowledge
into practical work.
 To acquire professional ethics and develop sense of responsibility.
 To gain professional experience in an actual testing environment.
 To develop interpersonal communication skills.

3. INTRODUCTION TO THE INTERNSHIP ORGANIZATION

MCB Bank Limited is one of the oldest and leading banks in Pakistan. It was
incorporated on July 9 in 1947. MCB Bank was nationalized along with other private banks
in 1974 as part of Government of Pakistan's economic reform movement and was later
privatized in 1991. The Bank has journeyed a remarkable tenure of more than half a century
of competitively edged and well positioned heights of success by deploying quality banking,
heads on technological developments, professionally leading management and prudent and
ethical work methodologies.

MCB Bank in one of the largest foreign banks in Sri Lanka; the first bank in Pakistan
to launch Global Depository Receipts (GDR) in 2006 and has strategic foreign partnership
with Maybank of Malaysia which holds 20% shares in MCB Bank through its wholly owned
subsidiary Maybank International Trust (Labuan) Berhad since 2016.

The Bank is versed as one of the oldest and most responsible Banks in Pakistan and
has played pivotal role in representing the country on global platforms while being one of the
few institutions that are recognized and traded in the international market.

MCB Bank is actively involved in various CSR activities as well and constantly
strives to contribute towards the country’s betterment. It has played a key role in enhancing
the role and value of service and technology in the banking industry through its customer
centric objectives. The Bank has also been acknowledged though prestigious recognition and
awards by Euro money, World Finance, MMT, Asia Money, SAFA (SAARC), The Asset
Triple A, Finance Asia, NFEH, CFA, Pakistan Centre of Philanthropy and The Asian Banker.

The Bank currently carries entity risk rating of AAA (long term) and A1+ (short term)
which is the highest category rating by Pakistan Credit Rating Agency (PACRA).

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 SECTION # 2

2.1. VISION STATEMENT

To be the leading financial services provider, partnering with our customers for a
more prosperous and secure future.

2.2. MISSION STATEMENT

We are a team of committed professionals, providing innovative and efficient

financial solution to create and nurture long-term relationship with our customer. In doing so,
we ensure that our shareholders can invest with confidential in us.

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2.3. ORGANIZATIONAL HIERARCHY

General Manager

Regional Manager

Branch Manager

Branch Credit Committee Internal Auditor

Credit Department Customer Service Department General Banking

Account Opening
Department

Cash Deposit
Department

Foreign Exchange
Department

Bills Remittances
Department

Clearing
Department

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2.4. DEPARTMENTS INFORMATION

There is brief introduction of all the departments of the MCB bank

2.4.1. BUSINESS DEVELOPMENT DEPARTMENT

The business department promotes or selling the product to the customers, products
like ATM account opening forms etc .this department work as set the target strategies
according the current circumstances this department work with the three strategic objectives.

 customer satisfaction
 employee satisfaction
 Business results.

2.4.2. CASH MANAGEMENT DEPARTMENT

In this department the teller are the casher person receive the deposited and the give
the cash to the account holder on their demand and also maintained the online etc. in cash
department there is three type of sector .

Token issuance

 Cash receipt
 Cash payments
 Bill receive or fees received
 Etc.

2.4.3. ACCOUNT OPENING DEPARTMENT

The account opening department is the department which deals with the account
opening open of new account or the verifying the account this department is necessary as par
the order of the state bank of Pakistan in this department I come to know how to open the
account by filling the account opening form and also attached the NIC card copy and it is
verify by the NADRA.

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2.4.4. CREDIT DEPARTMENT

In this department the bank granted the loan to the customer and there are the
different type of the credit which is provided to its customer during my internship I learned
that if some individual request for the loan then bank granted him a loan according to limit
and some requirement for different kind of loan for example if the organization request for
the loan then bank granted the loan according to some requirement and limits which apply on
the organization.

2.4.5. CLEARING DEPARTMENT

There are two type of clearing in the bank and during my internship me doing both
type of the clearing.

 Inward clearing
 Outward clearing

2.4.6. ACCOUNT DEPARTMENT

This is important department in which the account are maintained and also the
voucher and the books and the all the expenses or expenditure of the bank are maintained so
it is the most important department of the bank maintain all the account of the bank is the
duty of this department and this department is working well.

2.4.7. FINANCE DEPARTMENT

Financing department is the important department because bank finance in various

ways like advancing the loan and make the profit as a excess amount in the way of interest
the MCB finance in such a way giving the loan to the customer and also buy the share of the
private organization also finance in the agriculture sector and the private sector as well.

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2.5. CULTURE, IDENTITY AND IMAGE OF INTERNSHIP
ORGANIZATION

In the MCB Bank, I observed that every member of bank work as a team to achieve the goal
and objectives. The success of MCB Bank, is due to friendly environment with its clients.
Management of MCB is quite efficient and they follow rules and regulations to maintain its
standard. They are the trustee of public funds and serve the community with integrity. They
respect their history, customer’s believes, culture and values. They work as a team and they
create an environment where each employee is enabled to succeed.

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 SECTION # 3

3.1 .PRODUCT AND SERVICES

MCB bank of Pakistan deals in all the schemes and the services of a bank in a current
scenario there are many sets of financial infrastructure with which the MCB bank is leading
in providing the services to its customers.

3.1.1. CONSUMER BANKING

The consumer portfolio, comprising the debit card, credit cards, auto loans, personal
loans and mortgages will be established phase by phase. However, we are confident that our
strengths, together with our largest network of online branches, a superior technology
platform, a big customer base and the Consumer Personal Banking Group (CPBG), will take
the Bank’s profitability to new heights.

3.1.2. COMMERCIAL BANKING

The MCB is also doing the commercial banking and it’s leading in this department.
MCB offers retail product to its consumers. The MCB main focus to introduce the various
financing and investing products to its valuable clients, and contributes the steady growth to
the financial industry. The commercial and the retail banking offers the verity of asset and
liability –based.

The MCB bank introduces different type of product and instruments which is
mentioned below:

3.1.3. SAVING ACCOUNT

If you’re living large and don’t wish to lock your funds for lengthy periods, yet still
want to reap the profits from your success, your can have the best of both world’s with an
MCB Privilege Savings Account

3.1.4. CURRENT ACCOUNT

 Low minimum balance requirements.

 Unlimited cash deposit and withdrawal facility at hundreds of branches nationwide.
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  Lockers and other affordable transactional facilities.
 Network of over a thousand branches, and hundreds of online branches, at convenient
locations.

3.1.5. FOREIGN CURRENCY ACCOUNT

 Available in US Dollar, UK Pound Sterling, or Euro.

 Unlimited transactions at your branch.
 Free foreign currency cash deposit and withdrawal facility.
 Profit paid into your account every six months.
 Foreign Remittances facility available.

3.1.6. LOANS

AUTO LOAN

Life in the fast lane can be really slow without a car. MCB makes it a breeze to
finance/lease your new/used car.

FEATURES AND BENEFITS

 Option for financing or leasing

 Financing tenures from 1 to 7 years
 Option for new as well as used cars
 Option for local as well as imported cars
 Financing up to Rs.20 lacs
 Option for early payment
 Option for replacement loan
 Minimum documents required (2 photographs and CNIC copy)
 Up to 15% down payment only
 Priority delivery on different vehicles

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3.1.7. CREDIT CARDS

Accepted at over 24 million establishments worldwide in 210 countries including

10,000 in Pakistan displaying the Credit Cards logo, you can rest assured of real value-added
benefits at home and abroad.

3.1.8. VISA DEBIT CARD

Pakistan’s 1st chip based debit card. It allows the customers to enjoy unmatched
convenience, enhanced security and round-the-clock accessibility to their funds.

3.1.9 MCB VISA PLATINUM

It is with great pleasure that we welcome you to experience the exciting world of
MCB Visa Platinum Credit Card is the most reliable, competitive and gratifying Credit Card
offering a tantalizing mix of luxurious shopping, dining and traveling opportunities which
will undoubtedly be a treat for you

3.1.10. MCB VISA

MCB Visa is not just another card in your wallet. Visa is the most secure, affordable
and rewarding credit card turning you’re shopping into a much more exciting experience.
MCB Visa is accepted at all ATMs across Pakistan as well as at 27 million acceptance
locations worldwide.

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3.2. SWOT ANALYSIS
3.2.1 STRENGTHS

 Services offering are all Unique and different to others.

 Have the advantage of being the first mover in customer services
 MCB Bank able to give really good customer care, because they know that
customers are the source of funds for them and also there is a great competition
among the banks in Pakistan.
 Attractive deposits and financing schemes offer by MCB bank with suit able
interest rate.
 MCB bank is currently in a good financial position • Very well and good
atmosphere in bank.
 MCB Bank is always there, with absolute convenience and cutting edge
technology, to provide service beyond horizons.
 Online banking is the key feature. Key benefits of MCB Bank Online system is its
simplicity, convenient banking solutions over phone, instant access to banking
services from anywhere at any time, and saves time and money.
 Use of ‘SYMBOLS’; banking software which produces greater customer
satisfaction by providing better services.
 MCB Banks virtual Banking provides greater convenience to customers as they
can handle their transactions from anywhere at any time.
 Greater network with more than 900 branches all around Pakistan.
 Distinctive customer service provided to customers.

3.2.2 WEAKNESSES

 Difficulty in managing the extended network of branches.

 MCB Bank has various types of Debit card but it does not provide its customers
the facility of Credit Card.
 Need to focus more Human Resource issues.
 Shortage of staff, which causes extra burden on existing staff leading to fatigue
and boredom.
 Inexperienced hiring process which results in placement of the wrong person at
the wrong seat.

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3.2.3 OPPORTUNITIES

 Changes in social patterns, population, and lifestyle changes and in economical.

Mean people now thinking to deposit their money in such a sound bank.
 Good financial position creating a good reputation for future advances and huge
deposits.
 The MCB bank is entering in a growing industry and also going to further expand
its branches all over Pakistan as well as internationally.
 Such products or services which can give MCB Bank a monopolistic position.

3.2.4 THREATS

 Large and increasing competition.

 Threat of new entrants is always there.
 Threat of new entrants leads to the tough competition.
 ‘Hundi’ system is still operating in Pakistan in growing rate, which is a great
threat of the Remittance department of the union bank limited.

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3.3 PEST ANALYSIS

PEST analyses tell How Political, Economical, Social and technological factors affect MCB.
These are the external factors which affects the whole organization.

3.3.1POLITICAL FACTORS

 Stable government
 Stable policies in favor of business
 Improved relation with outside world
 Law and order.

3.3.2 ECONOMIC FACTOR

Pakistan's economy is going weaker and weaker. 9/11 has a great influence on the economic
crisis of all over the world. With economic factors the bank influenced very much that are as
under:

 Low GDP growth

 Budget deficit
 Increase in Govt. duties
 Fluctuation in exchange rates

3.3.3 SOCIAL FACTORS

Social environment includes family, friends, a person's role and status. An individual slife
directly by society and the person acts according to his or her society. Cultural environment
includes norms, values, religion, conception and perception. If we see the religion point of
view then interest is not allowed that's why most of the people hesitate to invest their savings
in banks and yet they are not aware of ISLAMIC BANKING. Traditional business men do
not like the business with bank. They pay their creditors through cash not through cheque.
They do not want to get the bank facilities.

3.3.4. TECHNOLOGICAL FACTORS

People are highly skilled and MCB can introduce new technology to increase competencies.

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 SECTION#4

4. FINANCIAL ANALYSIS

Financial analysis is the process of evaluating businesses, projects, budgets and other finance
related entities to determine their performance and suitability. Typically, financial analysis is
used to analyze whether an entity is stable, solvent, liquid or profitable enough to warrant a
monetary investment. When looking at a specific company, a financial analyst conducts
analysis by focusing on the balance sheet, profit and loss statement, and cash flow statement.

TYPES OF FINANCIAL STATEMENT ANALYSIS

People who analyze the financial statements of a company include company executives,
competitors, creditors, managers and potential investors.

Types of financial statement analysis are:

• Vertical Analysis
• Horizontal Analysis
• Ratio Analysis

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4.1. VERTICAL ANALYSIS
Vertical analysis is a method of financial statement analysis in which each line item is listed
as a percentage of a base figure within the statement.
4.1.1. VERTICAL ANALYSIS OF BALANCE SHEET
Total Assets to be taken as base figure. While all other items are taken as percentage of Total
Assets.

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4.1.2. VERTICAL ANALYSIS OF INCOME STATEMENT
Mark-up earned to be taken as base figure. While all other items to be taken as percentage of
Mark-up earned.

INTERPRETATION OF VERTICAL ANALYSIS

The Total Assets of balance sheet are 100%. Therefore, each asset and liability class is taken
as a percentage of total assets.
Net Assets were constant as 14% while during 2014 to 2016, then it’s decreasing in 2017 to
13% and then further decrease has been noticed in 2018 as 12%.
Mark-up earned is considered as base figure and is taken as 100%. Therefore, each item of
income statement is taken as a percentage of total assets.
Profit After Taxation is also fluctuating and falling in 2018. It was 33% in 2014 and it was
constant from 2015 to 2017as 32% then the profit decreases to 30% in 2018.

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4.2. HORIZONTAL ANALYSIS
Horizontal analysis (also known as trend analysis) is a financial statement analysis technique
that shows changes in the amounts of corresponding financial statement items over a period
of
time. It is a useful tool to evaluate the trend situations. The statements for two or more
periods
are used in horizontal analysis.
4.2.1. HORIZONTAL ANALYSIS OF BALANCE SHEET

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4.2.2. HORIZONTAL ANALYSIS OF INCOME STATEMENT

INTERPRETATION OF HORIZONTAL ANALYSIS

Taking 2014 as base year and comparing years 2015 to 2018with the base year, it shows an
increasing trend for Net Assets i.e. 18% in 2015 then it rises to 25%, 29% and 39% in 2016,
2017, 2018 respectively.

For Profit After Taxation, there’s an increasing trend in 2015 and 2016 as 13% and 19%
respectively. Then it falls down in 2017 to 2% and in 2018 slightly increases to 5%..

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4.3. RATIO ANALYSIS

Ratio Analysis is a form of Financial Statement Analysis that is used to obtain a quick
indication of a firm's financial performance in several key areas.

4.3.1. CURRENT RATIO

Current Ratio measures ability to meet current liabilities with current assets.
Current Ratio = Current Assets / Current Liabilities.

INTERPRETATION
The current ratio is the classic measure of liquidity. It indicates whether the business can pay
debts due within one year out of the current assets.

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4.3.2. CASH RATIO
The ratio of the liquid assets of a company to its current liabilities.
Cash Ratio = Cash Equivalent / Current Liabilities

INTERPRETATION
The cash ratio indicates to creditors, analysts, and investors the percentage of a company's
current liabilities that cash and cash equivalents will cover.

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4.3.3. DEBT TO TOTAL ASSETS RATIO
The ratio of total debt to total assets, expressed as a decimal or percentage.
Debt Ratio = Total Debt / Total Assets.

INTERPRETATION
It can be interpreted as the proportion of a company's assets that are financed by debt.

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4.3.4. DEBT TO EQUITY RATIO
The debt to equity ratio is a financial, liquidity ratio that compares a company’s total debt to
total equity.
Debt to Equity Ratio = Total Debt / Shareholder’s Equity

INTERPRETATION
The debt to equity ratio shows the percentage of company financing that comes from
creditors and investors. A higher debt to equity ratio indicates that more creditor financing
(bank loans) is used than investor financing (shareholders).

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4.3.5. EARNING PER SHARE
Earning per Share indicates how much an organization pay to its shareholder. It shows
company’s profitability. Greater Net Income, greater Earning per Share.
Earning per Share = Net Income / No. of Common Shares Outstanding.

INTERPRETATION
Earning per Share tells about how much it is paid to the shareholder. It shows the profitability
of the organization.

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4.3.6. NET PROFIT MARGIN
It is the ratio of Net Profit After Tax to Net Sales, measures profitability with respect to sales
generated.
Net Profit Margin = Net Profit After Tax / Net Sales

INTERPRETATION
A higher net profit margin means that a company is more efficient at converting sales into
actual profit.

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4.3.7. TOTAL ASSETS TURNOVER
It is the ratio of Net Sales to Total Assets, measures relative efficiency of total assets to
generate sales.
Total Assets Turnover = Net Sales / Total Assets

INTERPRETATION
It is an indicator of the efficiency with which a company is deploying its assets to produce the
revenue.

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 SECTION # 5

5.1. INTERNSHIP EXPERIENCE SUMMARY

Thank fully I did my internship from MCB bank (Ltd) Khushab branch. This Branch
is online branch so I leaned that the working of the management is very smooth and the
efficient.

In this branch I observed that this branch doing a great business and the management
and the staff of the branch is efficient and the professional and the manage handle all the
working of the branch and this branch have the very good contact and the relation with the
shops business entities and the other sound parties as well to increase the deposit of the
branch and maintain the efficiency of the work and enhance the organization.

The manager guided to the different functions operating within the organization and
the sub manager makes sure and takes the responsibility that staff doing work efficiently in
the entire department.

And also the branch is well maintained and decorated and the entire department have
separate place within the organization to doing there assign duties and the environment of the
organization attract the customer as well which is good for the organization.

5.1.1. STARTING AND THE ENDING DATES OF MY INTERNSHIP

Starting and the ending dates of my internship program in the MCB bank (Ltd)
Khushab Branch.

Starting Date: 17th May 2019

Ending Date: 28th June 2019

5.1.2. NAMES OF THE DEPARTMENTS IN WHICH I GOT TRAINING AND THE

DURATION OF MY TRAINING

During my internship I work almost in the all department and my internship duration is 6
week I learnt the working of the following departments:

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  Account opening department
 Cash department
 Credit department
 Clearing department

5.2. CONCERNED DEPARTMENTS, DUTIES AND LEARNING

During my internship, I was concerned with the following departments:

 Account Opening Department

 Clearing Department

As far my learning is concerned, all the staff members were quiet cooperative, they helped
me to understand the activities of a bank to all possible extent. Their attitude gave more
confidence to ask if I have any query. During my 6 weeks internship, I have gained a lot and
enjoyed working with experienced, cooperative and intelligent staff.

5.3. RECOMMENDATIONS FOR THE INTERNSHIP ORGANIZATION

Therefore Following are my observations and suggestion to improve the efficiency more for the
development of the economy and improve market standing

 The employee hire for the special departments should be highly qualified and
specialized in their works.
 Try to make the promotion of the employees on the time because of this they work
with heart and reduced absenteeism.
 Make separate department for different works so it will not create difficulties for the
person working in these departments
 Use effective technology to compete the competitors of the MCB
 Make the employees trained and technically improve in their fields
 Make online branches effective in almost all branches of Pakistan
 Make use of effective ATM facility which is only provided in big cities.
 The return on equity and return on asset is decreasing for return on asset the bank
need to utilize its resources and for the return on equity the bank need to focus on
their investment opportunities.

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 Net profit margin are going to decrease because in this he Bank need to decrease the
sales so when they decrease the sales their gross and net profit margin is going to
increase
 Their current ratio and working capital is increasing because in this the bank has
much asset and when they have asset they can easily meets the liability of the MCB.
 The asset turnover of the bank is going to decrease for this the bank need to decrease
the asset and increase the sales then the bank asset turnover is increasing
 The bank cash and balance with other banks are increasing which is the good sign for
the bank.

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References

References and sources from where data has been collected for this report are mentioned
here.

http://mcb.com.pk retrieved on 02 July 2019

MCB Annual Report 2018

MCB Annual Report 2017

MCB Annual Report 2016

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