2k19

INTERNSHIP
REPORT 2K19 ©
[Sindh Bank Limited Pakistan]

Baber Ali Bhatti S/O Shahid Hussain Bhatti

BUSINESS STUDENT
 CNIC: 43105-7103895-3
 CELL: 0333-7343112
 EMAIL: babaralib786@gmail.com
 CITY: Thul District Jacobabad Sindh PAK

Shaikh Ayaz University Shikarpur

(Department of Business Administration.
TABLE OF CONTENTS

Introduction of organization
 History
 Mission statement
 Core values
 Department & Hierarchy
 Key operation of the concern
 Organization culture

Purpose of internship
 Reason of choice
 Key operation of the group
 Personal objective

Field of activity
 Products & service
 Reporting duties
 Job performed
 What have I done
 Self-Assessment

Suggestions & Recommendations

 SWOT analysis
 Problem identification
 Suggestions for improvement recommendations

References

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
EXECUTIVE SUMMARY
The Sindh Bank Limited is a Pakistani scheduled bank headquartered in Karachi
founded on December 24, 2010 it has over 330 branches in 169 cities. It was set
up as a state-owned bank, offering microfinance loans and other banking
services. It always endows with great covenant of rally round in terms of funds
and services at all epochs of its dynamism. 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 order to tackle the problems. In this
report the detailed analysis of the organization has been done. Competition
analysis, the business process analysis, and the internal environment and
external environment of the organization have been discussed and the
recommendations & suggestions for the improvement have been made wherever
required. During my eight weeks’ internship program. This report will provide a
complete and clear image about Sindh Bank limited.

OBJECTIVES
This internship offers me an incredible opportunity to gain real-world experience
in the high-stakes finance industry. The primary objective of the project is to
forecast or determine the actual financial status and performance of an
organization Following are important objectives of studying the organization:

 To learn about Capital Adequacy, Asset and Liability Management,

Interest rate risk, liquidity, asset quality & profitability of bank.

 To monitor the adequacy and effectiveness of the internal control

system and Financial Reporting Framework.

 Assessment of the company’s financial condition through the financial

statements.

 Analyzing savings and investment trends in banking sector.

 To describe the impact of financial decisions on the health and functioning
of the overall organization.

 To examine the Innovations in customer service in banking.

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
History of Sindh Bank Limited
Sindh Bank Limited (SBL) is a newly born state-owned commercial bank, which
came into existence in Sindh, towards the middle of the PPP regime. The bank's
establishment was a bold step against difficult industry backdrop - dropping
interest rates, shrinking spreads and the gloomy cloud of increased capital
requirement looming over small banks.

Sindh Bank was incorporated in 1995 as a provincial bank by the Sindh

Assembly but could not take off. In 2008, the issue was taken up by Sindh
Government with the State Bank of Pakistan for granting them a license for a
scheduled commercial bank to operate all over the country instead of being a
provincial bank restricted to Sindh province only. The SBP provided license to
the bank in 2010.

The bank commenced its operations with the inauguration of its first branch at
Naudero on December 26, 2010. With SBL, the government aimed at executing
its vision to spur economic activity enhancing small farmers' access to
institutional credit in an effort to boost agricultural output specifically in Sindh.

SBL also aspires to promote SME sector by providing unique financial solutions
to small and medium entrepreneurs and empower women and providing banking
in the untapped areas in an effort to trigger financial inclusion in the country.

Two years down the road, SBL branch network stands at 160 branches in 80
cities across Pakistan with Sindh region being the hub where the bank has 100
branches while it has 48 branches in Punjab, six in Balochistan and five in KP.
Development Projects Launched by Sindh Bank Limited: Besides general
banking operations, SBL, since its inception, is a partner of Government of
Pakistan and Government of Sindh in implementing all the development projects.

Following are the brief descriptions of the projects instigated by the

government in association with SBL:

1. Benazir Income Support Programme (BISP) is a non-conditional cash transfer

programme that provides financial assistance to low-income families through bi-
monthly cash payments. A health insurance scheme has also been launched
under the programme to provide free medical treatment to deserving families.

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
 2. Waseela-e-Haq extends small loans to females or their nominees to cater and
eliminate chronic and extreme poverty.

3. Tractor Subsidies Scheme distributed 6,000 tractors to farmers in Sindh

through computerized balloting. A total subsidy of Rs.1.6 billion was allocated for
the plan.

4. Benazir Zarai Card allows farmers to avail loans up to Rs.0.5million to

purchase quality farming products - seeds, fertilizers, pesticides etc.

Vision & Mission Statements

VISION OUR vision us to be a leading bank which play a positive role to generate
economic activities for empowering the people by meeting their financial needs for
running a successful business and create employment opportunities.

MISSION To develop as leading commercial bank in the country by meeting its stated
objectives of promoting economic development of the country in general and in the
province of Sindh in particular.

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
Core Values
• Take pride in everything that is fair, honest and build trust is every
situation.
integrity

• We live by our customer's success. We build lasting relationship with our

Customer clients.
Focus

• We communicate actively and openly. We build trust by honoring our

Team commintments. We show respect for each other.
Work

• We are constantly looking for ways to innovate and improve. We embrace

change as an opportunity.
Innovation

Department & Hierarchy

Sindh Bank Limited Thul Branch (0117)

Branch Manager
Muhammad Ramzan
Abro

Manager Operations
Zohaib Hussain
Domki

General Banking Cashier

Officer Ghulam Nabi
Naeemullah Soomro Channa

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
 KEY Operation Of The Concern
The departments are as under

General Banking Department

 Clearing department
 Remittance department
 Accounts department
 Cash department

 CLEARING DEPARTMENT

Clearing Department: All the external functions of clearing are carried by NIFT
(National Institute of Facilitation Technology) while the internal operations are
performed by clearing department. It is just like any courier service which takes
the cheques of other banks and delivers the cheques of that branch for Clearing.
It is a system by which banks exchange cheques and other negotiable
instruments drawn on each other within a specified area and thereby securing
the payment for its clients through the clearing house. A clearing house is a
general organization of the banks at a given place, its main purpose is offsetting
the cross obligation of cheques. When there are many banks in the country each
will receive a number of cheques drawn on other banks, deposited within for
collection. A clearing house is an organization where these cheques are brought
and the virtual claims of each bank on the other are offset and a settlement is
made by the payment of differences. They deliver cheques that their bank may
have negotiated and receive in exchange cheques drawn on their bank
negotiated by other bank. The responsibility of smooth cooperation of the
clearing function lies with the State Bank of Pakistan.

Remittance Department:

The need of remittance is commonly felt in commercial life particularly and in

everyday life general. A major function of any banking system is the transfer of
funds from one client or one place to another. By providing this service to the
customer the bank earns a lot of income in the form of service charges. This
department deals with local currency remittance i.e. remittance from one city to

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
another without actually carrying the currency. SBL uses following instrument
for transferring of money:

 Demand Drafts
 Pay Order
 Telegraphic Transfer
 Mail Transfer
Demand Drafts (DD):

DD is a written order given by the branch of the bank on behalf of the customer
to other branch of the same bank to pay the certain amount to the customer. DD
are issued for the particular place other than place of issuance. A drafts is a
Cheque drawn by a bank on its own branch or any other branch of another bank
at a different place requesting it to pay on demand a specified amount of money
which is already received to the person named on it. DD is of following two types:

 DD payable
 DD Paid Suspense a/c
In the first type as advice reaches for payment the immediately pay to the
customer while in later as DD presented by the customer, it is paid and the
suspense account is debited.
Pay Order:

Payment Orders are issued for the money transfer with in the city. Pay order is
made for local transfer of money. Pay order is the most convenient, simple and
secure way of transfer of money.

Telegraphic Transfer (TT):

In this case the authority is given form one bank to other on the behalf of the
customer through telecommunication to debit their inter office account through
them and credit their parties account mentioned in TT. It is an inter-bank
transaction. Telegraphic transfer is an instant transfer of funds. Through this
method applicant can transfer money from one place to another place. There are
two types of TT, both types of TT are maintained in separate registers, test is
applied by the manager of every amount of TT.

• Incoming TT & Outgoing TT

Applicant has to fill a form along with depositing amount to be transferred and
bank commission. SBL charges the commission at the same rate as in the case
of demand drafts.

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
Mail Transfer (Mt):
As the name shows, it is transfer of money in the shape of document through mail.
Procedure is like TT. The transfer of funds from one place to another by mail is
called Mail Transfer (MT). The MT can be foreign or domestic. The applicant who
is desiring to remit the funds by way of Mail Transfer can either deposit cash or
ask the bank to debit his/her account with the cost of MT including the bank
charges. These all measures are for safe transfer of funds.
Accounts Department:
Every transaction which takes place recorded in the computer so all
transactions in different departments are forwarded to account department.

Since all vouchers from different department are forwarded to accounts

department so this department tallies all such transactions with current
department after maintaining the ledger of each department.

The branch where I worked MR. Zohaib Hussain performing these activities.

I was not allowed to use software but I observed all the functions performed
by him. Following are different functions performed by this department:

 Preparation of Financial Statements for different time span

 Maintain all accounts of different departments
 Calculation of profit on different schemes
 Calculation of markup on different advances
 Preparation Different types of reports for State Bank
 Daily position of cash & every accounts
 Matching daily summaries of all departments with ledger
As software is used therefore all these tasks have become quite simple just it
requires posting and then all tasks can be performed by giving computer
commands.

Cash Department:

In cash department both deposits and withdrawals go side by side. This

department works under the accounts department and deals with cash deposits
and payments. This department maintains the following sheets, books, ledger of
account:

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
  Cash received voucher sheet.
 Cash paid voucher sheet.
 Paying-in-slip
 Cheque Book
 Cash balance book

Cash Paid Sheet:

The only instrument that can be used to withdraw an amount from an account is
the Cheque book. No payments are made by another instrument Cheques can
be of two types, they may be presented at the counter and encashed and the
others are clearing or transfer cheques.

Cashier manually inspect the Cheque for following:

 Signature & date

 Cross cutting
 Drawer’s a/c title
 Amounts in words & figures
 Two signatures at the back
The cheques should not be stated as postdated. If in the Cheque there may
discrepancy regarding any of the aspects described above the cheque is
returned to the customer for rectification. On other hand if the cheque is valid in
all respects, the cashier enters the necessary inputs in the computer and post
the entry so that account balance is updated.
When cashier posts these entries, computer automatically display the balance
before posting the transaction amount, balance after posting.
The cashier easily and quickly sees whether the amount being withdrawn so
exceed the balance or within the balance. If the amount does exceed the balance,
then it is upon the discretion of the manager to allow an overdraft and not
depending upon the customer's reputation. If he does not allow an overdraft, the
procedure is repeated again as described for the mismatch of the signature
Cheque is return.

The detail of notes (currency) is written on the back side of the Cheque. The
cashier at the same time maintain the "Cash Voucher Received Record Sheet".
Then once again inspect the signature of the customer cancellation mark of
checking officer and stamp of "POSTED" is placed on Cheque before hand over
the cash to customer.

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
Cash Received:

For depositing the cash into customer's accounts, there is need to fill in the
paying-in-slip giving the related details of the transaction. This paying-in-slip
contains the date, a/c/no, a/c title, particulars, amount being deposited and
details of the cash. There are two portion of the paying-in-slip. The depositor
signs the one part of the paying-in-slip one is retained by the bank to show an
acceptance of the entries made in the slip.

The different colored paying-in-slip are used for all the types of deposits. Only
the slips related to a particular type of a/c is acceptable by the bank. For example
current paying-in-slip for current a/c and saving paying-in-slips for saving a/c etc.
The paying-in-slip serves as a voucher to update to computerized transaction
ledger.
The transaction ledger is only updated by paying-in-slip and Cheque. The cashier
responsible to receive both the paying-in-slip and cash from the depositor. The
cashier check the necessary details provided I the paying-in-slip and accounts
the cash and tallies with the amount declared in the slip. If the amount does not
tally with the cash given, the deposit is not entertained until the customer remove
the discrepancy.
On the other hand, if the two amounts tally, the cashier fills in the "Cash voucher
received Record Sheet" and assigns a voucher no. to both the transaction being
made in the sheet and the slip. This voucher no. starts with one and continue by
serial increments of one for each day till the closing of the sheet, the cashier fills
the voucher no, an account, cash day till the closing of the sheet.

The cashier fills in the voucher no, an account of, cash entry in the related type
of a/c and he post his initials on both part of the voucher. Then the cashier sends
both to the accountant who verifies all the entries in the two documents, if the
entries in the two documents, if the entries in the two documents tally with one
another, the accountant authenticates the two by singing on the two documents
and posting stamps on the slip.

Cash Book Balance:

At the end of the working day cashier is responsible to maintain the cash balance
book. The cash book contains the date, opening balance, detail of cash payment
and received in figures, closing balance, denomination of government notes
(Currency). It is checked by manager. The consolidated figure of receipt and

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
payment of cash is entered in the cash book and the closing balance of cash is
drawn from that i.e.

Opening Balance of Cash + Receipts - Payments = Balance

The closing balance of today will be the opening balance of tomorrow. This
department is one of the most important department of the bank.

Organization Culture
SBL has an organizational culture conductive for growth and confidence.

Trust:
We are the trustees of public funds and serve with integrity & commitment.
Ethical behavior is of critical importance to us. We adopt full compliance with
internal and external policies and procedures, operating within the legal
framework
Customer Focus:
We continuously seek to exceed our customer's expectations, forging and
maintaining long term relationships.

Innovation:
We strive to be the market leaders in innovative products and services offering
customized financial solutions with flawless execution

Achievement:
Our people are our most valuable asset. We are committed to a result oriented
culture. Our goals are clear and merit is the only criterion for reward

Social Responsibility:

As responsible citizens we contribute to the social welfare of the community we

live in.

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
 Purpose of Internship

Internship is the capstone experience that provides me with hands-on, real-

world experience in a work setting. Ideally, internship will enable interns to:

 Integrate and use my knowledge and skills from the class room.
 Discover where further competence needed.
 Take steps to gain that competence under educational supervision.
 Become better acquainted with the types of work settings in which such
competence can be applied.
Reason of Choice:

These are the reasons

 To develop skills and competencies that will advance our employability.

 Internships help us learn and add to our experience.

 We can generally adjust our timings to suit our self.

 We learn how to deal with a variety of situations.

 To have a positive impact on our society and the world around find a
suitable Mentor who can guide us through our career decisions and many
life experiences.

Personal Objectives
I worked as an intern in Sindh bank limited Thul branch 0117 and the main
objectives to study in SBL were:

 To get some experience in working with well reputed organization.

 To gain knowledge about the professional environment in bank.
 To know about the technology utilized in the bank.
 To deal and manage with the Situation of stress
 To effectively utilize and develop my skills and contribute positively to
the growth of the organization

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
 Products & service
Refinancing facility for modernization of SMEs

The scheme

Small and medium enterprises (SMEs) play an important role in creation of

employment opportunities, economic growth and poverty reduction. In order
to encourage SMEs to modernize their factories for producing quality
products and to meet their power shortage, state bank of Pakistan (SBP) has
introduced refinance facility for modernization of SMEs.

Silent Features

 Financing facility is available for SMEs borrowers, as defined in

prudential regulations of SBP for SMEs, through all branches of Sindh
bank limited.
 Financing is available for purchases of new imported/local plant and
machinery for BMR of existing units and setting up of new SME units and
for purchases of new generators up to 500 KVA.
 Financing is available only against LCs in-case of financing against
imported plant and machinery.
 Financing is available to the extent of the C&F value of the imported new
plant and machinery and / or ex-factory/showroom price of the new
locally manufactured machinery.
 Principal amount of loan is repayable in equal quarterly or half yearly
installments after prescribed grace period, if any. Markup is payable on
quarterly basis.
 Tenor of financing
 The facility is available for maximum period of ten years including six
months grace period.

Mark up rates

 Financing is available at mark-up rate of 6 percent per annum.\

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
Sindh Bank Auto Finance

Car Financing & Light Commercial Vehicles like

Offering :
Bolan
Facilitation Mode : Both Ready Delivery & Booking Modes
Loan Size : Min Rs.0.500 Million to Max Rs.15 Million
Minimum 1 year to maximum 7 years (for new &
Financing Tenor :
locally manufactured)
Processing Fee : Rs.5000/= excluding tax
Insurance / Tracker
As per actual
Charges:
At time of finance, imported car should not be older
Imported Car :
than 3 years
Co-Borrower : Spouse / Parents / Son / Real Brother
Minimum 15% of locally manufactured new vehicles
Minimum Equity :
Minimum 25% for imported vehicles
Debt Burden : 50% debt burden of net disposable income
Direct Debit or Cash payment directly in deposited in
Mode of Repayment :
Repayment Account & PDC
Mark Up : 6M KIBOR + 3.5% to 4.5% p.a.
Age – Salaried Persons : Min 21 years to max 60 years at time of maturity
Rs.35,000 net take home reflecting in the bank
Minimum Salary :
statement
Age – Businessmen / Self
Min 21 years to max 65 years at time of maturity
Employed :
Minimum average balance of Rs.50,000/= for six
Determination of Income :
months
Business Status : Minimum 3 years in current business

SINDH BANK STUDENT LOAN PROGRAM Cum Employment For Post-

Graduation

In pursuance of the directives of the President of Pakistan, Sindh Bank Limited is pleased to
launch “Student Loan Program cum employment for Post-graduation” with a view to enhance
education in the country and support meritorious students who otherwise cannot afford cost of
higher education.

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
Agricultural Loan

Sindh Banks Agricultural loan policy focuses on supporting the small farmers in
meeting their funding requirements for the purchase of inputs and implements.
Moreover, the Bank’s policy is geared towards boosting agricultural production in
the country to meet its growing demand.
To contribute to agricultural development by funding agricultural projects for
farmers as Sindh Bank Agriculture Loan is the official and specialized source of
agricultural credit. The funding will be through Sindh Bank branches and in
compliance with its law and by-laws taking into consideration that the Corporation
is one important means to implement the national strategy of agricultural
development as well as contributing to mitigating burdens of agricultural risks.

Benazir Zarai Card

The objective of introduction of ‘Benazir Zarai Card is to improve farmer’s access,

especially small farmers. Agricultural credit facility would enable farmers to
purchase quality farm inputs such as seeds, fertilizers, pesticides etc.The Benazir
Zarai card will be issued for three years under this scheme for loans.

Islamic banking

Sindh Bank always strive to keep pace with the changing market dynamics and
customer needs. Keeping in view the appetite for Islamic banking products in the
market, Sindh Bank has launched its Sa’adat Islamic Banking. The word
“Sa’adat” means “Blessing” in Arabic representing our commitment to provide
innovative banking solutions that uphold our customers’ belief. The Bank has set
up an Islamic Banking Division, in December, 2013, with dedicated and capable
human resource to manage this business.

Vision & Mission Statement

VISION
To be a proactive and dynamic player in the promotion and growth of Islamic banking
industry by providing to the markets and customers that we serve with best financial products
and services with an unwavering and absolute adherence to the principles of Shariah.

MISSION
To be a prominent player in the Islamic banking industry fulfilling the needs of our customers
by offering Shariah compliant financial solutions, while adhering to our core values of
Integrity, Service Excellence, Consistent High Performance, Innovation and Growth for all
the stakeholders.

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
Mobile banking

Sindh Banking is providing high quality mobile banking service to convenient

the customers such as;

 Utility bills payments

 Funds transfer
 E-load
 SMS banking commands
 Web SMS banking

Sukoon current accounts

Best current account for businesses to walk through your business and banking
needs with sukoon current account.

Benefits and features

 Free personalized cheque book

 Free pay orders
 Free debit/ATM card
 Free ATM withdrawal insurance coverage
 Free on-line banking
 Financing facility up to 90% of the balance in account
 Utility bills payment (via SMS – 24/7 )
 Mobile top-ups (via SMS – 24/7 )

Asaan account

Easily open your account at Sindh bank without any long procedure and “Now
available to all!

Requirement & features

 Bring your national identity card (CNIC)

 Fill one page form
 Open an individual or joint account
 Avail Sindh bank’s ATM/debit card and SMS banking facilities
 No extra charge or minimum balance requirement

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
Field of activity
I worked as an Intern in Sindh Bank limited for 8 weeks as per required by
University. During my Internship, there was a tremendous atmosphere in Sindh
Bank limited. I learned so many things from their management like how to work
in a standard place.

At my first day in Sindh bank limited THUL branch the bank manager, Mr.
Muhammad Ramzan Sb has introduced me with different persons and
department of the bank after that I have personally visit every department one
by one and observe what is happening there. All the officials have co-operate me
very much and provide me information, which I needed.

The most important benefit of this internship is that I got practical exposure of
work place.

I got practical experience of working practices related with my field.

I learned that how to manage things and how to create balance among work life
and personal life.

Management did help me a lot during my work they always guide me especially
Branch Manager.

I learned whole process of account opening of individuals practically. I remained

involved very much in practical activities of account opening.

I learned whole process of Clearing.

I processed the Inward cheques for collection and clearance, and have also
prepared vouchers.
Every transaction which takes place recorded in the computer so all
transactions in different departments are forwarded to account department.
The branch where I worked Mr. Naeemullah Soomro was performing these
activities. I was not allowed to use software but I observed all the functions
performed by him.
In cash department I observed the process of deposits, filled deposit slips, and
learned how the cash registers are maintained. In this department I did little work
practically as it was not allowed.

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
During my internship I dealt with many customers and employees, this was a
great experience to learn
 How to deal with customers
 How to work under pressure i.e. in rush hours.
 How to manage an office.
 My communication skills were improved.
 I observed the practical application of many accounting concepts.

In short, Sindh Bank limited is the first choice of the students who want to gain
the practical experience of internship.

Sindh Bank limited has always strived to achieve more market share by
focusing on the needs of its current and potential customers.

SUGGESTION & RECOMMRNDATIONS

SWOT ANALYSIS

 STRENGHTS
The Strengths Of Sindh Bank limited
 Sindh bank limited is providing quality management, Human Resource
Management, Marketing innovation in products & services is performing
well in financial market.
 Better focus on customer services and customization
 Technical management skills
 Auditing Of Branches more beneficial for whole organization
 Employees respect and dignity.
 Introduction of highly qualified professionals to change overall setup
 Attractively maintained branches

 WEAKNESSES
The noted weaknesses
 Less investment on advertisement that’s why majority of people are not
aware about the products of SBL.
 Untrained Staff.
 ATM Service Low.
 Slow improvement and acceptance of technological changes.

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
  OPPORTUNITIES
 To become the leader in financial market by emerging new technology
 A large amount of foreign investment attracted
 Use of new advertising techniques to spread awareness about different
SBL products

 THREATS
Threats noted currently
 Fake calling
 Low security measure
 Terrorism financing
 New private banks coped with emerging new technology of IT this ease
of entry in the market is the threat
 Money laundering

Problem identification
Staff Isn’t Adequately Trained
Need some improvement to provide technical skill.
SBL Should Provide Technical Training of the Staff
SBL should provide training to all types of employees upper to lower class and
must recruit person job fit so that he or she can perform job effectively.
SBL Should Encourage Creativity.

RECOMMMENDATION & SUGGESTIONS

After doing deep study and witnessing everything that goes on in a branch. I
would like to make the recommendations that,
First of all, the management needs to overlook the major problem that the
organization currently facing and then develop strategies to eradicate them.
Some of the suggestions that I would like to give at the end are:
Promotion and Mass Media Publicity

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
SBL bank can improve its marketing strategies it acquires more promotion and
mass media publicity by the use of effective channels of promotions like TV
newspapers advertisements

Better Reward System:

Better reward system is one of the most important requirements in order to
reduce the problem of employee retention and improve employee motivation.

Branches Management
Branches should be effectively managed and that should attractive one and
efficient Maintenance and provide facilities for disable persons specially.

Continue Training of Employees

 Creation of enhanced performance appraisal system

 Implementation of enhanced marketing system
 Continuous lecture on better communication of staff with customers
AB2 AND AB3 SYSTEM
To make the system more efficient and make sure its connectivity all the time
in order to provides more convenience to customers.
Change the nature of work
Most of the bank employees are sticking to one seat only with the result that
they become master of one particular job and lose their grip on other banking
operations
In my opinion all the employees should have regular job experience all out-look
towards banking. Their promotions policy should be adjusted accordingly.
Advertising & promotion
SBL should make creative advertising on media in launching a new product or
service to attracting new customers to convince them to buy that particular
product or service.

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti
REFERENCES
For preparing this report I collected information from different sources such as;

 Sindh bank’s website;

 www.sindhbanklimited.com
 Staff members
 Manager and supervisor
 Other concerned persons
 http://en.wikipedia.com
 SBL annual report

End

INTERNSHIP REPORT 2K19 © Baber Ali Bhatti S/O Shahid Hussain Bhatti