The Bank Of Punjab

  Gujrat
INTERNSHIP REPORT

Internship report
ON
“THE BANK OF PN!AB"
Internship report submitted to faculty of Management&
Administrative
Administrative science in partial fulfillment of Requirement for
Degree of Masters of Business Administration
Administration

Pro#ra$ % Session M.B.A (inance! ".#years

ni&ersit' of Gujrat
Date$ %#')'%"

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

A(KNO)*E+GE,ENT
I dedicated this report to my parents. Because of their prayers & encouragement I have been
able to complete this report. A**A+ is great and compassionate,.. -e submit to Allah all
our effort before the Almighty. -e offer a humble than/s to the most benevolent that made us
capable of completing this pro0ect 1ell in time.

 2his is ritual of Department of commerce to conduct internship for it graduate in summer

vacation. 2he credit of this term goes to the esteem faculty of this Department 1ho gave a
chance to their students to 1or/ in an organi3ation beside their theoretical bac/ground to
 build a practical /no1ledge. or this I am highly than/ful
than/ful to all the members of faculty and
4ir 5asim Ra3a for guiding me in preparing my internship report.

I 1ould also li/e to have a 1ord of than/ to the people of B67 Ramtalai Road Branch 8u0rat
1ho shared their /no1ledge and e9perience 1ith me in order to complete my period of
internship there I my special than/s to Mr. 5asim Ra3a 1ho accepted my internship proposal
and give me a chance to 1or/ in branch.

*ast but b not least my parents 1ho are in continuous phase of brining me up and in every
respect of my life by providing their moral help and resources.

E-e.uti&e Su$$ar'
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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

Internship is an important
i mportant part of MBA program and provides opportunity to all students to
learn about the partial 1or/ing of organi3ation and improves their personal s/ills Business
 problems are becoming more comple9 1ith the passage of time due to the achievement in
1orld. 4tudents really get many benefits through this practical /no1ledge during studies.
2his internship is not only helpful for ma/ing this report but this education gives a general
/no1ledge about the business decisions and policies. In this 1ay I personally feel that your
mind start thin/ing innovatively broadly and dynamically. acing challenges of day da y to day
life is not a difficult tas/ to handle for individual. Internship training at the ban/ of 7un0ab is
aimed at providing the students a ma0or unique opportunity to learn 1hat ban/ is all about.

I try my level best to produce a most comprehensive internship report to ban/ of 7un0ab by
compiling all 7ractical learning in a systematic
s ystematic 1ay hence ma/ing report unique. All
information:s this effort and my interest in internship can evaluate me in true prospective.

Contents:

Intro/u.tion 000000000000000000000000000000000000000000000000000000000000000000000000000000000000000 1

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

7urpose;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;<

Bac/ground study;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;<

6rgani3ation ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;<

Methodology ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;<

4ummary ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;<

Bankin# histor' 000000000000000000000000000000000000000000000000000000000000000000000000000000000002

Ban/ing Act;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;=

Ban/ing evolution in 7a/istan ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;=

7rivati3ation ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;=

Or#ani3ation

Introduction00000000000000000000000000000000000000000000000000000000000000000000000000000000000000002

 >ature of Business ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;

;;;;;;;;;;;;;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
;;;;;;;;;;;;;;;;

Mission 4tatement ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;

?ision 4tatement ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;

@ore values ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;

Bran.h Intro/u.tion   ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;%';%

4upervisors ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; %'

7rofessional 2raining ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;%

@redit card acility ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;%

4taff Relation ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;%

Relationship of +ead office to Branch office ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;%

Bankin# Se.tor of Pakistan ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;%;%

Role of B67 in 7a/istan ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;%

A4ar/s an/ A.hie&e$ents  ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)'

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

9cellence A1ard by the @entral board of Revenue;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)'

"rd/issan time A1ards ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)'

Best corporate report a1ard ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)'

%thBollan 9cellence A1ard ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)'

Achievement A1ard;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)'

+o1 to open account ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)%

Documents to be attached;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;))

4pecimen 4ignature @ard ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;))

Issuance of @heaque boo/ 00000000000000000000000000000000000000000000000000000000000000000000000

00000000000000000000000000000000000000000000000000000000000000000000000 ;))

@losing account;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
account;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)"
;;;;;;;;;;;;;;;;;;;;)"

Dormant account;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
account;;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)"
;;;;;;;;;;;;;;;;;;)"

Activation of a dormant account;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)"

account;;;;;;;;;;;;;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;)"

Re#iona5 offi.es an/ bran.hes0000000000000000000000000000000000000000000000000067

@urrent staff;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
staff;;;;;;;;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
;;;;;;;;;;;;;;;; )C

@urrent staff according to qualification and e9perience;;;;;;;;;;;;;;;;;;;;;;)C

e9perience;;;;;;;;;;;;;;;;;;;;;;) C

4alary structure;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
structure;;;;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)C
;;;;;;;;;;;;;;;)C

7romotion system;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; )#

Incentives and motivation;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)#

@ritical analysis of branch;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; )#

@ommunication;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)

Recruitment of the staff;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)

4hort listing of the application ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)

2ests;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)

Intervie1s;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

Morale of the employees;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)<

7hysical facilities;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)<

7erformance ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)<

Genera5 bankin# 000000000000000000000000000000000000000000000000000000000000000000062078

4ervices of bop;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;"'

A2M;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;"'

7ay order online ban/ing;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;"%

S)OT ana5'sis 000000000000000000000000000000000000000000000000000000000000000000000000077

6rgani3ation structure ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;"C

Boar/ of /ire.tor0000000000000000000000000000000000000000000000000000000000000000000000 79

Bop head office;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; "<

Branches;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
C'

Introduction to Departments;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; C';C"

Porter $o/e50000000000000000000000000000000000000000000000000000000000000000000000000000::

Re.o$$en/ation 0000000000000000000000000000000000000000000000000000000000000000000000:2

(on.5usion 00000000000000000000000000000000000000000000000000000000000000000000000000000098

Abbre&iation;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; 98

Referen.es 00000000000000000000000000000000000000000000000000000000000000000000000000000009;

Intro/u.tion

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

Ba.k#roun/ of stu/'

In the niversity of 8u0rat required for the students to do an internship for at least si9 1ee/ 
 period of si9 1ee/s period of time in any business organi3ation. 4o for my internship reports
I choose the ban/ of 7un0ab Ramtalai campus in my district. 2he ban/ of 7un0ab is very
emerging ban/ in our city and it 1ill be good for me to gain some practical /no1ledge in that
/ind of field of life.

Purpose

2he purpose of this internship report is to learn the organi3ation s/ill. -hen you are doing
internship in an organi3ation you 1ill learn different /ind of s/ills li/e accounting reporting
communication and managerial s/ills. 4o on si9 1ee/ period the purpose 1ill be to enhance
the level of learning in business organi3ation.

Or#ani3ation

2he ban/ of 7un0ab is becoming one of the most emerging ban/s. B67 introducing a lot of 
ne1 schemes to their customers and also it 1ill a good e9perience for to choose the B67
 because some of friends did their internship in this ban/ they find it very good for learning.

Resear.h ,etho/o5o#'

2here are t1o 1ays to collect the data

• 7rimary data
• 4econdary data

7rimary data based on the observation /no1ledge gathered from questionnaires and
intervie1s.

4econdary data contains material 1ith the help of internet articles and 1ith courtesy of 
the employees of B67.

Su$$ar'

I am student of 68 and doing MBA and my specification is in finance. As our 

university required doing internship in any 6rgani3ation for the practical /no1ledge I
choose the B67 ramtalai branch of the internship of si9 1ee/s. 2he ob0ective of my
internship is to enhance my professional managerial s/ills in that field and also enter in
 practical life.

Bankin# Histor' of Pakistan

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

Bankin# E&o5ution in Pakistan

6ur ban/ing history starts 1ith the establishment of the state ban/ of 7a/istan in %C= at that
 particular time the domestics ban/s 1as limited .the aim for state ban/ of 7a/istan is to
develop the commercial ban/ing system in 7a/istan and ma/e proper channel for financial
resources so according to that agenda the ban/ establishes
establ ishes li/e national ban/ Allied ban/ and
+abib ban/.

Nationa5i3ation A.t

@ommercial ban/ing 1as at pea/ in the late si9ties and early seventies until the time our 
8overnment declared the nationali3ation policy in %<C 1ith the policy thirteen ban/s 1ere
ta/en into the possession of 8overnment and then merged into si9 ban/s.

Pri&ati3ations

In %% the nationali3ation act 1as ended and then again )" ban/s 1ere established Muslim
commercial ban/ 1as privati3ed in %% and the management of Allied ban/ of 7a/istan too/ 
most of o1nership. After that many ban/s established and by the end of %< there 1ere )%
domestic ban/s and )< foreign ban/s.

Or#ani3ation

Intro/u.tion

2he ban/ of 7un0ab 1as created under the ban/ of 7un0ab act %= in the % >ovember
%==. 2he ban/ of 7un0ab established its first branch in *ahore. It 1as mended as non
scheduled ban/ in the 7un0ab province. Because it 1as government support ban/ the main
customer of the ban/ 1ere the 8overnment employees. But 1ith the passage of time they
increase their target mar/et so in %C the ban/ of 7un0ab converted into schedule ban/ and
then they opened branches all over the 7a/istan. 2oday they have )=' branches all over the
country. 2he ban/ of 7un0ab has indeed entered a ne1 era of science to the nation under 
e9perience
e9perience and professional
professional hands of its management.
management. 2he ban/ 7un0ab plays
plays a vital role in

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

the nation
national
al econom
economy y throug
throughh mobil
mobili3at
i3ation
ion of local
local resourc
resources
es promo
promotin
ting
g saving
saving and
 providing funds for investment. 2he ban/ of 7un0ab offers attractive rates of profit on all
depo;;;sits: oing of foreign currency accounts and handling of foreign e9change business for 
e9ample imports e9ports and remittance financing trade and industry for 1or/ing capital
requirements and money mar/et operation.

Nature of business

6ne of the most important businesses in the 1orld is ban/ing. In our country ban/s plays
vital role in the national economy. Ban/s are li/e bac/bone of our country they provide
money for different sectors of economy /eeping our economy progress. 2hey provide finance
to the agriculture sectors 1hich is vital to our economy so they are mobili3ing our resources
indirectly or directly.

,ission State$ent

E2o e9ceed the e9pectations of our sta/eholders by leveraging our relationship 1ith the
government of 7un0ab and delivering a complete range of professional solutions 1ith a focus
on program driven products and services in the agriculture and middle tire mar/ets through a
motivated team.F

<ision State$ent

 E2o be a customer focused ban/ 1ith service e9cellence.F

Source: http://www.bop.com.pk/ 

(ore <a5ues

• 6ur customers are our first priority.

• 7rofitability for the prosperity of our sta/e holders that allo1 as to constantly
investing improve and succeed.
• @orporate social responsibility is to enrich the lives of community 1here 1e operate.
• Recognition and Re1ard is for the talented and performing employees 9cellence in
everything 1e do.
• Integrity is in all our dealing.
• Respect for our customer and each.

Source: http://www.bop.com.pk/ 

Bran.h intro/u.tion

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

2otal
2otal number of employees in Ramtalai Road branch is seven. 2he branch 1as handled
 branch manager Mr.fasial.
Mr.fasial. 2he flo1 chart of responsibilities and designation are sho1n in
management hierarchy.

  Branch
Manger

&peration
Manger

(re#it Remittan $#'anc "oreign $cco%nt

&pening

Short Term Import

Mortgage !port

 2he top most authority in a branch is the branch manger the rest of staff comes under his
span of control. 2hen comes the operational manager then operational grade % operational
grade ) operational grade " and then clerical staff li/e cash officer 0unior cash officer.

2he hierarchy according to the responsibilities performed is also classified as follo1s. 2he
services in ban/ of 7un0ab are classified in different categories.

(ate#or' A (ate#or' B (ate#or' ( (ate#or' +

 >on;@lerical

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

Presi/ent 6fficer 8rade I @lerical 4taff 

4taff 

E-e.uti&e &i.e
presi/ent =E<P> 6fficer 8rade II ,,,,.. Driver  
Senior &i.e
presi/ent =A<P> 6fficer 8rade ,,,,, 8uards
III
<i.e Presi/ent =<P> @ash 6fficer  8ate
,,,,, Geepers
Assistant &i.e
presi/ent =A<P> ,,,,,,. .................. 2ea Boys
.

Super&isors

I did my internship in B67 ramtalai branch. 2he supervisor has been a ssigned to me is Mr.
5asim. -hen I started my internship in ban/ they provided me full support.

• aisal Branch Manager 

• *ayaqat Ali 6perating Manager 
• Miss Anila Account 6pening 6fficer
• Mr. 5asim Ali Ra3a oreign account opening officer 
• ) @asher 6fficer 

)eek5' Ti$etab5e?
-ee/ly details of my internship according to date and day are as under$ through the
strategies. 2he board guidelines laid do1n by the 4B7 are strictly follo1ed by B67 @

;st )eek?

Re$ittan.es ;st )e
)eek
ek +epart$ent?
+ate +a' Internship A.ti&it'
)).<.)'%) Monday Introduction of Remittance
)"..)'%) 2uesday -estern nion oreign Remittance
)C..)'%) -ednesday oreign e9change dealings
)#..)'%) 2hursday @ash Deposits Receipts @heque
Deposits Receipts
)..)'%) riday Data Recorded for Internship Report
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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

6n/ )eek?

6n/ )e
)eek
ek +epart$ent? Operations
+ate +a' Internship A.ti&it'
6@81@68;6 Monday Introduction of 6perations
78@1@68;6 2uesday 4upervision of clearing
7;@1@68;6 -ednesday 6nline 2ransfer of unds
;@2@68;6 2hursday Demand Draft @ashier @heque
6@2@68;6 riday Data Recorded for Internship
Report

7r/ )eek?

7r/ )e
)eek
ek +epart$ent? Operations
+ate +a' Internship A.ti&it'
;@2@68;6 Monday @hec/ deposits
68@2@68;6 2uesday Inter @ity @learing 6ut1ard @learing
6;@2@68;6 -ednesday In1ard @learing 6ut1ard @learing
66@2@68;6 2hursday Data Recorded for Internship Report

:th )eek?

:th )eek +epart$ent? (ash

+ate +a' Internship A.ti&it'
67@2@68;6 riday @hecque collection verification & payments
6@2@68;6 Monday Data recorded for internship Report

9th )eek?

9th )eek +epart$ent? (ash

+ate +a' Internship A.ti&it'
6@2@68;7 Monday @ash received cash payments & management
61@2@68;7 2uesday 6rder ob0ection voucher & A2M problems
62@2@68;7 -ednesday oreign remittance payments and deposit
receipts

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

6@2@68;7 2hursday Data recorded for internship report

th )eek?

th )e
)eek
ek +epart$ent? A..ount
78@2@68;7 riday Internship A.ti&it'
6@@68;7 Monday Account 6pening 7rocedure
7@@68;7 2uesday account types and ris/y account opening
:@@68;7 -ednesday oreign Accounts filled
9@@68;7 2hursday Minor account opening forms filled &
stamped
@@68;7 riday Data recorded for internship report

+etai5s of +epart$ents
+epart$ents of Internship

During
During my internship I have been 1or/ing
1or/ing in follo1ing
follo1ing departments
departments 1hich are operations
operations
Departm
Department
ent cash Departm
Department
ent remitta
remittance
nce Depart
Departmen
mentt @learin
@learing
g Departm
Department
ent and sales
sales
Department. Details of these departments along 1ith activities being carried out there are as
under$

Operations +epart$ent

In 6peration Department activities are requiring nature are handled. 6peration manager are
handle all quires and problems of customer of branches and mployees as 1ell. Activities of 
operation Department are as under$

 @ash Deposits
 @haque payments
 @haque Deposits
 4upervision of clearing
 6nline transfer of funds
 Demand Draft

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

 @ashier chaque

A..ount +epart$ent

In account Department activities of different account opening and verification are handled.

 Ris/y account
 oreign account
 Minor account

Re$ittan.es +epart$ent

In remittance Department matters of transfer of cash from foreign countries and other ban/s
are handled bill for collection are also handled. Main activities of this Department are as
under$

 Bill for collection

 In1ard Bill for collection
 6ut1ard Bill for collection
 -estern nion
 Aftaab e9change
 *ulo e9change
 asy paisa
 +abib e9press
 9press money
 Remittance In1ard
 Remittance out1ard

(5earin# +epart$ent

In clearing Departments chec/ dra1n on 76B by others ban/s are handled. @ore activities
are this Department is$

 6ut1ard clearing
 In1ard clearing

(ash +epart$ent

In cash Department dealing of cash received and cash payment is handled . cash recieots are
in the form of deposits in account Demand draft  transfer commission and other instruments
that can be sold in the mar/et. Main activities of cash Department are$

 @ash receipts
 @ash payments

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

 @ash management
 +andling of fresh cash

Su$$ar' of 5earnin#

 During my internship I have learned a lotI have learnedH

 +o1 handle customers
 +o1 to attract ne1 customers (mar/eting strategies &schemes!
 +o1 to 1or/s professionally
 +o1 to solve problems of customers in ban/ and provide them gaudiness in
 problems
 +o1 to open account

Ginds of Responsibilities nderta/en During Internship$

ollo1ing responsibilities I have underta/en during my internship$
Responsibilities of sending cheques through clearing

Responsibilities of sending ne1 accounts to +ead 6ffice

Responsibilities of Accounts opening and verification
Responsibilities of cash management.
Responsibilities of oreign account managements and dealings.
)orkin# in /ifferent /epart$ents
During my internship I observed that other internees in the ban/ use to stic/ 1ith one
department only. An internee 1ith speciali3ation in inance 1as of the vie1 that he should be
in inance department same 1as the case 1ith other speciali3ed internees .But I 1ould
suggest that one must 1or/s in department for some time to gain a hand on e9perience of all
the departments. As in real 1or/ing environment employee have to coordinate 1ith other
departments so heshe must /no1 1hat the other Departments operations are ho1 they 1or/.

(orre5ation of internship A.ti&ities 4ith .5assroo$ kno45e/#e

I have observed during my internship that classroom /no1ledge and internship Activities are
correlated positively someho1.

Professiona5 Trainin#

4eriously the staff is needs some professional training. the methods are not up dated they are
using old method to do their 0obs. 2hey do not bring change and 1ant to do same routine
1or/. 4o for that purpose B67 should provide training facilities to its employees.

(re/it .ar/ fa.i5it'

@urre
@urrent
ntly
ly there
there 1as
1as no credi
creditt card
card facil
facility
ity in our
our ban/
ban/.. 4o effo
effort
rtss must
must be made
made by
introducing credit card facility at our branch.

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 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

Staff Re5ations

During my internship I 1itnessed that staff relation 1ere not up to the mar/. Most of the
employee:s behavior 1as not good to each other. 4o it my suggestion to the employees to
 build the strong professional relationship. Respect in our customer and each other.
other.

Re5ationship of hea/ offi.e to the bran.h offi.e?

2he relationship of head office to the branch office is also termed as the management
hierarchy. 2here
2here is a certain method of communication bet1een head office and branch
office. If head office 1ant communicate 1ith the regional office the regional office 1ill
communicate 1ith the area branch office and then the area branch office 1ill finally
communicate 1ith branch office.

+ead office reg

regional office area branchbra
hbran
nch office

Bankin# se.tor of Pakistan

Ban/ play very important role in the economy of a country and 7a/istan is no e9emption.
Ban/s in 7a/istan account for # of the financial sector. 7a/istan has a 1ell developed
 ban/ing system 1hich consist of a 1ide varie ty of institutions ranging from central ban/s to
commercial ban/s and to speciali3ed agencies to cater for special requirements of specific
sectors.

7a/istan came in to being on %C th August %C< sufficient ban/ing services 1ere available in
7a/istan
the areas forming 7a/istan. 6ut of the total branches of the nearly "#'' in the undivided
India as many as about %#'' branches 1ere e9isting in these areas.

It 1as agreed bet1een the t1o countries that reserve ban/ of India shall continue to function
in 7a/istan territory until "'th 4eptember %C= and that Indian notes 1ould continue to be
legal tender at 7a/istan until "' th 4eptember %C=. nfortunately relationship bet1een t1o
countries becomes most strained immediately after independence. Ban/ing 1as mostly in
lands of +indus 1ho immediately started transferring their offices and assets into India. As a
result most of ban/s in 7a/istan 1ere closed do1n and even those 1hich 1ere open 1ere not
doing any effective business.

2he number of ban/ing office in 7a/istan came do1n to about )'' on "' th  June %C=.
Branches of some uropean ban/s 1ere also functioning in a limited manner financing in
e9port of crops and their number 1as limited to about )'.

It 1as only the +abib ban/ 1hich transferred its office from Bombay to Garachi Austral Asia
 ban/ 1as into another ban/ 1hich 1as in e9istence in 7a/istan territory at the time of 
independence. Despite of best efforts on the part of government of 7a/istan no heavy 1ay

16
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

could be made on this behalf and reserve ban/ of India 1as in no mood to help the ne1
country. Imperial ban/ of India agent of reserve ban/ of India also started closing do1n its
 branches in 7a/istan.

Reserve ban/ also refused to advance money to 7a/istan to ma/e essential payments such as
salaries etc also 7a/istan:s share of Rs. <# Billion in cash balance 1as 1ith the held by ban/
causing hardship to the ne1ly born state. In vie1 of these hopeless state affairs it 1as agreed
 bet1een the t1o countries that reserve ban/ 1ould serve as monetary authority in 7a/istan
only up to "' th June %C=.
%C=. 2he era of 's 1as the clima9 of privati3ation
privati3ation Deregulation
Deregulation and
restructuring in the domestic ban/ing industry and financial institutions the 8overnment only
o1ns the national ban/ but =' of the ban/ assets are in private sector. Ban/ing assets arose
three;folds over the last five years and industry si3e is reaching Rs C trillion. 2he contribution
of ban/ing sector to 8D7 ratio is ##.. 7a/istan has been ran/ed ) nd in performance and
efficiency indicators among the south Asian countries by the -orld Ban/. 2here are =
scheduled ban/s of 1hich the top five have #' of mar/et share. Ban/ing industry in
7a/istan is currently
currentl y under a 1ave of Mergers and Acquistions.

Go&ern$ent o4ne/ banks Pri&ati3e/ Banks?

Karai2araqiati Ban/ *imited Allied Ban/ *imited

Industrial Development Ban/ of +abib Ban/ *imited

7a/istan

irst -omen
-omen Ban/ *imited M@B Ban/ *imited

Ghushhali Ban/ *imited nited Ban/ *imited

 >ational Ban/ of 7a/istan +e&e5op$ent finan.ia5

institution

2he Ban/ of Ghyber 7a/ 6man Investment @ompany

*imited

4M Ban/ *imited +ouse Building inance

@orporation

2he Ban/ of 7un0ab >ational Investment 2rust *imited

2he 7un0ab 7rovincial 7a/ Brunei Investment @ompany

@ooperative Ban/ *imited *imited

Pri&ate banks 7a/ Iran Joint Investment

17
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

@ompany *imited

Ban/ A* +abib *imited 7a/ Gu1ait Investment @ompany

Mee3an Ban/ *imited 7a/ *ibya +olding @ompany

(7vt.! *imited

GA4B Ban/ *imited Forei#n Banks?

+abi
+abib
b Met
Metro
ropo
poli
lita
tan
n Ban
Ban/
/ *im
*imit
ited
ed 6man
6man Inte
Intern
rnat
atio
iona
nall Ban
Ban/
/
4.6.A.8. 7a/istan

aysal Ban/ *imited +4B@ Ban/ Middle ast *imited

7a/istan

mirates 8lobal Islamic Ban/ @itiban/ >.A. 7a/istan

*imited

Dubai Islamic Ban/ 7a/istan Deutsche Ban/ A8 7a/istan

*imited

Da1ood Islamic Ban/ *imited Pri&ate banks an/ /e&e5op$ent

institution

Arif+abib Ban/ *imited Ban/ of 2o/yo

2o/yo Mitsubishi J
*imited 7a/istan

Barclays Ba
Ban/ 7*@ 7a/istan Ro3gar Micro inance Ban/
*imited

As/ari Ban/ *imited 2ameer

2ameer Micro inance Ban/
*imited

Atlas Ban/ *imited 7a/ 6man Microfinance Ban/

*imited

Ban/ Alfalah *imited 7a/;@hina Investment @ompany

*imited

 >IB Ban/ *imited 7a/;@hina Investment @ompany

*imited

2he Royal Ban/ of 4cotland >et1or/ Micro inance Ban/

*imited

18
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

4tandard @hartered Ban/ GA4+ Microfinance Ban/

(7a/istan! *imited *imited

4il/ban/ *imited ormerly 4audi 4oneri Ban/ *imited

7a/ @ommercial Ban/ *imited

myban/ *imited 4amba Ban/ *imited ormerly

@rescent @ommercial Ban/
*imited

 Ro5e of BOP in Pakistan?

 B67 creating employment opportunities by increasing its number of branches and

e9tending its reach to for off areas of 7un0ab.
 B67 is playing very positive role in the economy by mobili3ing the resources and
channeli3ing the fund.
 Agriculture is the bac/bone of our country:s economy.
economy. B67 is faciliting the
agriculture sector by providing a number Gisan dost scheme 1hich are helping the
lo1er and middle class of our villagers.
 B67 is committed to provide e9cellent services to the customer at very reasonable
cost.
 B67 is playing a critical role in increasing the 8D7.
 B67 is providing different types of loans to the industrial sectors 1hich are also
helping the country:s output to increase.
 2he foreign e9change trade department is functioning very efficiently 1hich is
facilitating the businesses to import and e9port the merchandise.
 B67 financing the ideas of female ntrepreneur 1hich is producing fruitful
results.
 2he B67 is also providing loans to the mille class people by providing loans to
the 7eople for their shops and offices.

A4ar/s an/ A.hie&e$ents

E-.e55en.e A4ar/ b' the .entra5 boar/ of Re&enue

2he central board of Revenue presented E9cellence A1ardF

A1ardF to the ban/ of 7un0ab in
recognitions of contribution made by the ban/ to1ard 8overnment 9chequre.

7r/ Kissan Ti$e A4ar/s

A4ar/s

19
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

In Recognition of ban/:s contribution in development and gro1th of agricultural sectors the

 ban/ honored 1ith the ban/ of agriculture *oans and EBest ban/ of crop insuranceF under " rd
/issan time A1ards year )''.

Best (orporate Report A4ar/

Annual Report of ban/ for the year )''# 1on #th position for Ethe best corporate repot
A1ardF
A1ardF for the financial sector ad0usticated 0ointly by the institute of chartered Account of
7a/istan and the Institute of cost and management Account of 7a/istan.

;th Bo5an E-.e55en.e A4ar/

A1ard under %# th Bloan 9cellence a1ards distribute in

2he ban/ 1as a1arded best ban/ A1ard
)''.

A.hie&e$ent
A.hie&e$en t A4ar/
A4ar/

2he *ahore chamber of commerce & industry (*@@I! a1arded the ban/ *@@I achievement
A1ard )''.

Ho4 to open A..ount

-hen a customer 1ants to open ac. he comes in this Department of ban/ and submits an
application
application for opening an ac. the officer of this department
department gives him an application
application form.
2he application
application form is useful for all account
account opening e.g. 7*4 @D etc. the requirements
requirements of 
application form are this information 1hich ban/ 1ants to /no1. ollo1ing
ollo1ing are in the ban/$

T'pes of a..ounts
In/i&i/ua5 A..ount

Proprietorship

!oint A..ount
PartnershipCFir$s

(5ubD So.iet'D Asso.iation of Persons Trust

*i$ite/ (o$pan'

Ne.essar' infor$ationD 4hi.h a bank reuires

20
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

• Na$e • 6perating Instructions

• A//ress • Introducer 

• Te5ephone
Te5ephone  • @ountry of residence
• akat +e/u.tion •  >ature of Business
• Si#nature of the App5i.ant • Account (local or foreign
currency!
• +etai5s of other Banks • 4pecial Instruction Regarding
A..ounts the Account

+o.u$ent to be atta.he/

 Attested photo copy of >I@passport of account holder proprietor partner

Directors and office Bearers as the case may be.
 @ertified true copy of the certification on incorporation or registration (in case of
companies and registered bodies only!.
 @ertified true copy of the certified of commencement of business (in case of
 public limited companies only!
 @ertified true copy of the memorandum and articles of association(in case of
limited companies!.
 @ertified true copy of rules and regulation or by;la1(in case of limited
companies!.
 @ertified true copy of the Resolution of the Board of DirectorManaging
committee8overning Body regarding conduct of the account.
 *ist containing names and signatures of the Director6ffice Bearer duly certified
 by registration authority.
 *atter of partnership or certified copy of partnership dead (in case of partnership!.
 2rust deed and board Resolution for trust accounts.

Spe.i$en si#nature .ar/

-hen an account is opened 1ith account opening form a specimen signature card is given
to the customer 1ho contains$

 Branch code
 Date

21
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

 Account >o.
 2itle of account
 4pecial instruction
  >ames
 4ignatures
 Approved by

2he custom
customers
ers fill this card
card and return to ban/
ban/ officer
officer.. or illiterate
illiterate person thumb
thumb
impression are ta/en and to latest passport photograph shall b ta/en. 2he specimen
signature card is scanned in the computer system so that 1henever the account holder 
cheque 1ill come the ban/ officer 1ill verify his signature to the computer.

Issuan.e of .heue Book 

Any account holder that has opened the account heshe credit hisher account and for this
 purpose there should be a cheque boo/ so heshe could be able to credited the need
amount 1hatever heshe 1ishes. or the issuance of the cheque boo/ a person is advice to
fill a requisite slip 1ith hisher full name and their account 1ith t1o verified signature.
2hese signatures are chec/ed and then another requisite slip prepared by ban/ staff send
to the >I2 and it issue the printed cheques boo/s after completion of the procedure in
t1o or three days. Account holder another person could also ta/e the cheque boo/ only
heshe authori3ed signature of the account holder. -hen the cheque is issued they are feed
in the computer system from the requisite slip so 1hen the cheque is given for the credit 
transfer
transfer of amount they could chec/ed. In this 1ay neither
neither the cheque
cheque could be repeated
repeated
nor could the invalid cheque claimed.

(5osin# of A..ount

2he customer can close his account by submitting an application form. 2he account is closed
and balance is paid after deducting the closing charges and application in filled in account
closing file. @heque boo/ is returned to the ban/. 2he ban/ officer cancels all the cheques.

+or$ant A..ount

-hen any customer does not operate his account for  months then computer automatically
automatic ally
includes that account holder in an active account. 2his is dormant account. >o1 account
holder cannot operate his account. Ban/ informs him that your account is no1 in active.

A.ti&ation of a +or$ant A..ount

or activation a dormant account the account holder submits an application that he 1ants to
activate his inactivate account 1ith >.I.D. copy. 2hen the ban/ officer fills an account 1hich
is account activating form the ban/ manager sigs on the stamp of EAllo1 to operateF. >o1

22
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

account holder can operate his account but for activating his account he has to pay some
charges.

Re#iona5 offi.e an/ bran.hes?

Ne.essar' infor$ationD 4hi.h a bank reuires

• Na$e • 6perating Instructions

• A//ress • Introducer 

• Te5ephone
Te5ephone  • @ountry of residence
• akat +e/u.tion •  >ature of Business
• Si#nature of the App5i.ant • Account (local or foreign
currency!
• +etai5s of other Banks • 4pecial Instruction Regarding
A..ounts the Account
2he total number of branches of B67 is )<) in the 1hole country. It has no branch in foreign
countries.

(urrent staff?

2here are seven employees in the branch. 2hey are much qualified have /no1ledge of
general ban/ing. 2here is a proper hierarchy in the branch and everyone /no1s his
responsibilities.

(urrent Staff a..or/in# to ua5ifi.ation an/ e-perien.e?

Na$es ua5ifi.ation E-perien.e

Faisa5 ,S( Ph'si.s ;; 'ears

*ayaqat Ali ,@(o$ 81 'ears

Miss Anila ,S( Ph

Ph'si.s 8 'e
'ears

5asim Ali Ra3a ,@A 89'ears

E.ono$i.s
Sa5ar'
stru.ture?

23
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

B67 is offering handsome salary pac/ages to its employees. Its salary structure is as follo1s$

+esi#nation Startin# sa5ar' in rupees

(ash offi.er ='''
Offi.er Gra/e 7 %'''
Offi.er Gra/e 6 )C'''
Offi.er Gra/e ; "#'''

Apart from the salary the other incentives are also provided.

Pro$otion s'ste$?

 2he employees are promoted to reinforce the desire able performance. 2here are
certain criteria on 1hich employees are evaluated.
 mployees are promoted on the basis of performance and their commitment
to1ard their 0obs.
 mployees are also promoted on the basis of their e9perience and qualification.
 2he highest ran/ in a branch is 68%.
 2he performance is evaluated on the basis of 1or/ing as 1ell as number of
deposits brought by that employee.

In.enti&es an/ $oti&ation?

$ oti&ation?

In.enti&es?

 21o
21o bonuses on id ul fitr and id ul A3ha. ach bonus is equal to one basic salar y.
 7erformance bonus at the end of the year based on performance.
 7rovident fund
 Medical allo1ance

,oti&ation?

 mployees are motivated through the benefits and salary

 mployees are motivated 1hen their hard 1or/ is recogni3ed.
 2he staff of branch is also motivated due the success of branch and organi3ation.
 2here is no separate room for the manger of branch.
 2he environment of branch is very congested.

24
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

(riti.a5 ana5'sis of bran.h?

 2he branch is situated in ramtalai road 1hich is busies place of 8u0rat. 2he trading
activities are on the rise 1here the branch is located so there is huge potential for 
 branch to increase its deposits and improve its mar/et share.
 2he number of deposits is increasing day by day.
 2he attitude of staff to1ard their customer is very polite
 2he online ban/ing facility is very quic/ and responsive.
 2he security system of the branch is not satisfactory security may lapses may occur at
times.
 mployees are not 1ell dressed
 2he budget fir employee entertainment is very lo1.
 mployees are highly trained.
 2he salary pac/ages are not attractive as compare to other ban/s.
  >o refreshment is provided after meeting.
 2he latest computer systems are provided to the employees.

(o$$uni.ation

2he communication bet1een employees is not goodH employees interact 1ith each other
through the loud voices. 2here is no intercom system in branch. 2hey interact 1ith each other 
1ith 7un0abi. 2hey communicate 1ith customer 1ith informal 1ay and overall
communication system in not 1ell in ban/ing system.

Re.ruit$ent of staff

Recruiting is the discovery of potential s/ill of the employees to fulfill organi3ational needs
or 1e can say that it is lin/ing activities of bring together employees 1ith s/ills to fill the
vacancies. 2he recruitment procedure has follo1ing steps.

Short0*istin# of the app5i.ation

In this step thousand

thousand of the candidates
candidates apply for limited posts
posts available. 2he calls and send
 by the head office to only those
those candidates 1ho fulfill the requirement of 0ob advertised @

Tests

 >B7 under
under the super vision of institute of ban/ers in 7a/istan conduct test. After the

2est the applicants are further short; listed.

25
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

Inter&ie4s

or the intervie1 only those candidates are called 1ho qualify the 1ritten test.
Different types of questions are as/ed from candidates by the intervie1ing board.
Intervie1 questions include

A! 5uestion
5uestion about personal bac/ground
bac/ground e9tracurricula
e9tracurricularr activities during education
education
and personal contacts.
B! About the
the rule of ban/ing
ban/ing in current
current situation
situation of economy
economy..
@! Role of foreign
foreign enterpri
enterprise
se in public
public economy
economy etc.
etc.

,ora5e of the e$p5o'ees?

Morale of some employees is very high. 4ome of employees are not much dedicated as
others. Most of the employees are committed to their 0obs and they loo/ very involved in
their 1or/. 6verall the staff of branch is very motivated and they 1anted to e9cel in their
respective fields.

Ph'si.a5 fa.i5ities?

 6verall physical facilities in the branch are very good.

 All the general ban/ing operations are done through manually supported computer
system.
 +igh speed branded computer are provided to the employees so that they can perform
their duties quic/ly.
 Air conditioners are installed to provide comfort to employees and their client of B67.
 2he branch is decorated 1ith comfortable furniture. 8ood loo/ing and durable
furniture is provided.
 @ash officer:s cabin is 1ell guarded to avoid any undesirable event.
 a9 machine and laser printer are also provided.
 It is online branch so internet connectivity is provided 1ith throughout the 1or/ing
hours.

Perfor$an.e?

2he performance of the branch has improved to a great e9tentH this is can be by the number of 
deposits and degree of the satisfaction of customers.

Perfor$an.e in the ter$ of .usto$ers satisfa.tion?

2he customers are much satisfied as I observed during my internshipH there is a good

26
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

relationship bet1een employee and clients. 2he staff of branch is very quic/ to respond the
queries of customers.

Perfor$an.e in the ter$ of nu$ber of /eposits?

2he performan
performance
ce of branch
branch can be measure
measured d from
from number
number of deposi
deposits.
ts. @urren
@urrently
tly the
 performance of branch is very good. 2he number of deposits is increasing. 2he average
numbers of ne1 account opened in a day are # to . 2his sho1s very good performance of the
 branch.

Genera5 Bankin#

+eposit bankin#

Along 1ith this ban/ is offering different schemes in all over province. +ere is the detail list
of the products and services offered by B67 @

+eposit pro/u.ts

 @urrent accounts
 B67 basic ban/ing account
 B67 2i0arat account
 B67 @L supreme current account

Profit % 5oss sharin# a..ounts?

 B67 7ehlai Munafa 4cheme

 @orporate premier term account
 Munafa hi Munafa term account "
 Bai Misaal term
ter m deposit Account

Profit 5oss sharin# .heuin# A..ounts

 7*4 saving Accounts

 4enior citi3en saving account
 8harayloo 4aving Account
 Kiada Munafa saving account
 7*4 saving profit plus Accounts
 @orporate 7remier Account
 B67 7*4 supreme saving Account
 B67 @L supreme saving
s aving Account

(o$$er.ia5 Finan.e

27
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

 Running inance
 Demand inance
 @ash inance
 @>8 filling station 4cheme
 Auto lease financing
 Ali A/bar 8roup ranchise inancing scheme
 Altas +onda limited Authori3ed Dealer financing 4cheme
 inancing scheme purchase of officeshops

A#ri.u5ture .re/it

 8reen tractor *ease finance scheme

 Agri inance Branches
 Agriculture finance scheme
 Gissan Dost 2ractor scheme
 4econd +and tractor lease finance scheme
 Gissan Dost Abiari scheme
 Gissan Dost Mechani3ation support scheme
 Gissan Dost arm transport scheme
 Gissan Dost slah ;Ara3i scheme
 Gissan Dost live stoc/ Development scheme
 live stoc/ Breed
Bre ed Improvement 2rough ??-
 Gissan Dost commercial Agro 4ervices
 Gissan Dost Agri Mall scheme
 @ommercial lease finance 2ractor scheme
 Demand inance 4heds @onstruction and civil 1or/s *ease finance
 facility for Milch Animals
 running finance *ive stoc/7oultry and fish arms
 Gissan Dost Model Dairy arms(7DD@!
 Gissan Dost Model Mil/ collection center(7DD@!
 Gissan Dost 8reen +ouse inance facility
 Gissan Dost @old 4torage finance
 facility scheme for controlled 4heds
 *ease finance acility for installation of BI6 gas 7lant
 8roup inancing to small armers
 @lean credit facility through 4yngenta ranchisees
 Kar/aashat Drip Irrigation system
 Mar/up of scheme

28
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

Tra/e Finan.e

 2rade processing @enters

 unctions of 2rade processing @enters

  Source:
http://www.bop.com.pk/ 

Ser&i.es of BOP

2hese are the services provided by B67.

 A2M facilities
 *etter of credit
 7ay order
 6nline ban/ing
 ; Ban/ing
 Debit @redit
 @onsumer inancing
 Agriculture inancing
 @orporate inancing
 @ommission free Remittance
 Demand Draft
 @ollection of tility Bills
 *oc/ers facility

Issuan.e of AT,
AT,

+ead office issue A2M

A2M cards 1ith their 7in codes and 1hen the customer claims for their
A2M cards they are chec/ed rom the list that is also issued from the head office and @laim
is chec/ed from the list and if the name is found than the card is issued ta/ing the signatures
and their 7I> codes are given to them by ta/ing signature on their A2M
A2M forms. 2he A2M
A2M card
has been activated by the number provided at specific card.

(an.e55ation of AT, .ar/

@ancellation of A2M
A2M card becomes necessary in the follo1ing conditions$

29
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

 If folded are damaged

 4tolen 7I> code missed or forgotten

 @ard captured by machine and e9pired

 If requested by customer 

On5ine Bankin#

B67 is currently offering the online ban/ing facility you 0ust have to fill the form of online
 ban/ing and they give your username and 1ill access your account
a ccount on the internet and 1ill
latest information related to your account.

Pa' Or/er

B67 is providing the pay order facility in 1hich you transfer your money. 7ay order is a safe
and secure 1ay to move the money from one account to another. 2he charges are e9tremely
fair.

,ai5 Transfer

Lou
Lou can use B67 mail transfer
tra nsfer facility and
a nd send your money safe and quic/ly. 2he rates are
very impressive and competitive.

*etter of .re/it

Bop is providing its customers the 1idest range of option in the area of money transfer. 2his
service is 1ith fair rates security and ease of transactions and good 1ay to do business
transactions.

*o.kers

It is one of main facility that B67 is providing at this time so the customer can /eep their
valued things li/e gold in safe place.

30
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

+e$an/ +raft

Bop gives you the safe speedy and reliable 1ay to transfer money at very reasonable rates.
Any person 1ith any account holder of the ban/ or not can purchase a Demand Draft from a
 ban/ branch.

Debit @ards

B67 provides Apna

Apna cash @ard it is an A2
A2M card along 1ith Debit @ard. 2he ront of the card
1ill have the follo1ing matter on it.

 @ash +older >ame

 International Bin number 
 Magnetic strip 4ignature panel condition of usage
 M;>et and M;net logo

Business <o5u$e

2he B67 is conducting their business in 7un0ab. And

And their main customers
cus tomers are government.
Mostly government employees are customers for ban/ of 7un0ab. 2he fact and figures of the
 business volume of the B67 are mentioned belo1. 2hese facts and figure start from )''C to
)''< because the ban/ does not provide any figures from there on.

)''C )''# )'' )''<

Rs(M*! )"C<
2otal
2otal assets
a ssets ")' %%%%#C %C=## C
Rs(M*!
Revenue #C== %'%) %='" )#)
4hareholderNs Rs(M*!
quity CC)' <<< %'# %#%%'
Rs(M*!
Investment %%= %=') )=)"" <"C)
Rs(M*! %%
Deposits #C<)C ==C# %"<<)= =
Rs(M*! %""=
Advances (net! "C" ")C %'%")' C
Rs(M*!
Income %"= )"#" "='C CCC
Rs
74 (Rsshare! .'= %'.'% %".%C %'.#%

31
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT


R6I = %" %" 

S)OT Ana5'sis

B67 is one of the fastest 8ro1ing ban/s in 7a/istan. In the light of these situations 1e can
ma/e an analysis 4-62 analysis is overall evaluation of an organi3ation:s strength
1ea/ness opportunities that effects the organi3ational performance. Best strategies can be
accomplished by using 4-62 analysis$

 9ploitation of organi3ation opportunities and strength.

  >eutrali3ation of threats.
 @orrection and avoidance of 1ea/ness.

-e can easily formulate 4trategy 1ith the help of 4-62 analysis /eeping the organi3ation
mission in conte9t manager focus on the internal strength and competencies and asses the
1ea/ness and threats for organi3ation.

Stren#ths?

o 2he ma0or share of B67 is o1ned by the 8overnment of 7un0ab so it can develop a
good image and trust aamong
mong customer.
o 7ersonal selling has /ey role in the ban/ing services. 2he officers of ban/ of 7un0ab
go to the potential customer to develop the business. By the relationship 1ith
customer they achieve the deposit targets.
o 2he officer of B67 is considered very professional in their fields. 2hey do their 0obs
according to segment of target mar/et. 2he main strength is to treat their customer as
a friend and discuss their problem 1ith them.
o sing this method the officers created high perception of the ban/ in the customers
mind and this is 1hy customers have trust and loyal relationship 1ith the ban/.
o B67 rapidly opening their branches all over their country so that their customers can
easily e9cess to the ban/. 2he ban/ of 7un0ab
7un0ab has very good internal system. 2he
records of customers are held in very secure 1ay and easily accessible.

)eaknesses

A ma0or 1ea/ness of B67 even mentioned by the Auditor is lac/ of internal controls.

Desp
Despititee of B67
B67 sever
several
al servi
services
ces and
and prod
produc
ucts
ts not
not even
even a single
single add
add is publ
publis
ishe
hed
d on
electronic media.

32
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

During my internship I observed some of the employees burdened 1ith over1or/ 1hich I
thin/ should be distributed according to their post and capabilities.

 avoritism of employees.

2he B67 has very less staff in this branch as compare to upper 7un0ab. 2his creates problem
employees have spend most of their time in ban/ to complete their routine 1or/. or this
reaso
reason
n thei
theirr norm
normal
al life
life is dist
distur
urbi
bing
ng 1hic
1hichh creat
createe the
the irrit
irritati
ating
ng in the
the beha
behavi
vior
orss of 
employees.

Opportunities

o B67 introduced large number of financial schemes especially Deposit Account.

o B67 should focus on I2 especially on ;ban/ing as )% st century future is information
technology li/e foreign ban/ B67 can design universal account to improve online
facility.
o 2oday the customers have different needs B67 introduced a lot of scheme that 1ill
meet the demand of Dynamic customer so 1ith the 1ide range of product and
services people are becoming more loyal 1ith the ban/ also branding strategies of 
 ban/ or helping them.

Threats

o Business of all ban/ are gro1ing day by day so B67 has to face strong competitors.
o 2here are very difficult circumstances in our country at this particular time ban/ing
sector
sector is facing
facing diffic
difficult
ult situati
situation
on the B67 is ma/ing
ma/ing higher
higher profit
profit the adverse
adverse
situation can be harm the ban/ financially

o Businesses of all the ban/s are gro1ing day by day so bop has to face strong
competitors.
o 2here are very difficult circumstances in our country at this particular time ban/ing
sector is facing difficult situation although the B67 is ma/ing the higher profit the
adverse situation can harm the ban/ financially

Or#ani3ationa5 Stru.ture

Boar# o) *irectors

33
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

  +resi#ent

(orporate (ommerci (ons%mer Retai,

hea# a, -ea# -ea# -ea#

Regiona,
-ea#s

Branches

Boar/ of +ire.tors

34
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

Na$e +esi#nation

Mr. Abdul 8hafoorMir3a @hairman

Mr. arooq Ahmed A1an Director  

Mr. Junaid Ashraf Gha1a0a Director  

Mr. Muhammad >aveedMasud Director  

Mr. Ri31anllah Ghan Director  

Mr. 4hafqatMahmood Director  

Mr. 2ariq Ba01a Director  

Mr. 2ariq Mahmood 7asha Director  

Mr. >aeemuddin Ghan 7resident

Mr. Ra3a4aeed 4ecretary to the

Board

Bop ,ana#e$ent

Sr@ No +esi#nation Na$e

Presi/ent Se.retariat
% 7resident Mr. >aeemuddin Ghan
) Deputy @6 Mr. Ghalid
4iddiq2irmi3ey

Au/it % Risk Asset Re&ie4

% 8roup +ead Audit & Ris/ Asset Mr.
Revie1 I0a3urRehman5ureshi
) +ead RAR & BA4* Mr. Mansoor A/bar  
" +ead M4 & I4 Audit Mr. Imran Bashir  

(o$$er.ia5
(o$$er.ia5 % Retai5 Finan.e
Group
% 8roup +ead @ommercial Ban/ing & Mr. *iaquat Ali
Retail inance

Business P5annin# % +e&e5op$ent

35
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

+epart$ent
% +ead Business 7lanning & Mr. 4alman 4aeed
Development Department

Retai5 Finan.e +i&ision

% +ead Retail inance Division Mr. 4.M. Atif  

(re/it A/$inistration
% +ead @r
@redit Administration Di
Division Mian Mu
Muhammad 4h
4harif 
) Deputy +ead @redit Administration Mr. 4hahna1a34aeed
Division Ghan

(o$p5ian.e % Interna5 (ontro5

% +ead @ompliance & Internal @ontrol Mr. Irfanuddin
) +ead @ompliance & Internal @ontrol Mr. +afee3ud Din

(orporate % In&est$ent Bankin#

% +ead @orporate & Investment Mr. Ghalid 5aiyum
Ban/ing
8roup;I
) +ead @orporate & Investment Mr. Asim
Asim Jahangir 4eth
Ban/ing
8roup;II

A#ri.u5ture (re/it
% +ead Agriculture @redit Mr. Abdul
5ayyum4u/hera

Finan.e
% @hief inancial 6fficer Mr. >adeem Amir  
) Deputy +ead inance Mr. Muhammad
Iqbal4hah3ad

Hu$an Resour.e
% 8roup +ead Mr. MoghisBo/hari
) Deputy +ead (Acting! Mr. 4ohaib5ureshi
" +ead  7r
7rincipal 6fficerNs 2raining 4yed Ka/i Ahmad
Institute
C +ead 4ecurity  2ransport *t. @ol. (Retd.! 4a0id Ali
Ghan

*e#a5

36
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

% +ead *egal 4yed

Mudassar+ussain>aqvi

Retai5 Bankin#
% 8roup +ead Retail Ban/ing Mr.
4hahid-aqarMahmood
) +ead Media & Advertising Mr. Ahmed
Ahmed Ra3i8ha3ali
Ra3 i8ha3ali
& R.@ *ahore 4outh
" Regional 8eneral Manager >orth Mr. AmerMumta3
C Regional 8eneral Manager @enter Mr. Amir +assan

Risk ,ana#e$ent
% @hief Ris/ 6fficer Mr. 2ariq Maqbool

OperationsD I@T % Genera5 Ser&i.es

% 8roup +ead 6perations I.2 & 84D Mr. aqir 4yed A3m Ali
) +ead Information 2echnology Mr.
A3har+ussainDila1ari
" +ead Administration Mr. Muhammad
 >auman
C +ead 8eneral 4ervices @ol. (R! 2en1irul
+assan

Spe.ia5 Proje.ts
% 8roup +ead 4pecial 7ro0ects Mr. 4a00ad+ussain

Spe.ia5 Assets ,ana#e$ent

% +ead 4pecial Asset Management; Mr. Aamir Mali/ 
@ommercial
) +ead 4pecial Asset Management Mr. Mahboobul +assan

Transa.tion Bankin#
% 8roup +ead 2ransaction Ban/ing Mr. Mustafa +amdani
8roup & quity @apital Mar/etO

Treasur'
% +ead 2reasury Mr. Gha1ar4hahid
Ansari

37
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

  Source:
http://www.bop.com.pk/ 

BOP Hea/ Offi.e

Source: http://www.bop.com.pk/ 

2he main head office of the B67 is located in the main boulevard road 8ulberg *ahore.

38
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

Bran.hes Net4ork 

 Bran.hes Net4ork re#ions

 *ahore central;I Region
 Multan Region
 *ahore @entral;II Region
 aisalabad Region
 *ahore north Region
 8u0ran1ala Region
 *ahore south Region
 8u0rat Region
 7esha1ar Region
 Baha1alpur Region

39
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

 Islamabad Region
 D.8.Ghan P Region
 Ra1alpindi Region
 Jhelum Region
 4ial/ot Region
 4hei/hupura Region
 Baha1alnagar Region
 4ahi1al Region
 Jhang Region
 Ghushab Region

Intro/u.tion to +epart$ents

Ban/ of 7un0ab is one of the most emerging

e merging ban/s in our country. In recent times they have
increased their net1or/ of branches and no1 they are reaching to every one possible
customer li/e the others ban/s the ban/ of 7un0ab 1or/s 1ith mostly all ban/ing operation.
2here are follo1ing departments that are 1or/ing in ban/ of 7un0ab.

• Deposit Department
• Remittances Department
• @learing Department
• Account Department
• Bill Department
• @redit Department

+eposit +epart$ent

6ne thing is sure here those ban/s are mostly relying on their customer 1hich gives them
their capital in form of the deposit. 2his deposit belongs to the different parties. Ban/ ma/es
huge profit if the spread bet1een the lending and borro1ed rate is 1ide. If the ban/ has larger 
capital it gives more credit to parties and 1ill earn more profit.

Ban/ does not ta/e deposit for the purpose of the save /eeping they ta/e the deposit lend to
other parties. It becomes the relationship of the creditor and debtor. @ustomer is then become
the creditor for the ban/ and same vice versa. 4o ban/ must ma/e proper investment of the
money to earn a profit Ban/ of 7un0ab provides different /ind of deposits in their ban/.

4ome of them are 1ritten as follo1

• @urrent or demand Deposits

• 4aving Deposit

40
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

•  >otice 2erm
2erm Deposit
• @all Deposits
• i9ed or 2erm
2erm Deposits

(urrent +eposit

@urrent deposit is that /ind of deposit that gives the customer right to demand the funds
1henever they 1ant. Ban/ does not pay any profit in that /ind of accounts. 2he current
deposits are usually ta/en by the business persons or the parties 1hich requires money on
daily basis.

Sa&in# +eposit

2here are different scheme of saving deposits 1hich are considered the by the salaried class
 persons. 2he saving deposit gives you the profit on fi9ed period of time. Although
Although 1ithdra1n
of the money 1ill be restricted at fi9ed period of time.

Noti.e Ter$ +eposit

2his is opposite
opposite to the demand depositsH
depositsH in this /ind of deposit the client easy 1ithdra1
1ithdra1 the
money at any time. 2hese deposits are for the shorter period of time. In this /ind of deposit
the customer 1ill earn the profit out of its deposit.

(a55 +eposits

2hese deposits are given to the ban/ usually by the contractors against any tender. 2hese
deposits are 1ithout interest rate or may be interest can be provided 1ith 1ill of the ban/.

Ter$
Ter$ +eposits
+epos its

2his type of deposit is same to the short notice term deposits but the /ey difference is that
these deposits are for the longer period of time.

Re$ittan.e +epart$ent

Remittance is considered one of the main functions of the ban/. It means transfer the money
from one place to another. 2his department is the responsible for the mobili3ation of the

41
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

money. In our daily life there is a great need of the remittance. By providing this facility the
 ban/ of 7un0ab is ma/ing the customer more
more loyal to1ards them.

T'pes of re$ittan.e

2he ban/ of 7un0ab provide these remittances

• Demand Draft
• Mail 2ransfer 
• 2elegraphic 2ransfer 
• 7ay 6rder 

+e$an/ +raft

Demand draft is an order in 1riting given by one branch of the ban/ on the behalf of the
customer to another branch of the same ban/ 1ith certain person.

PRO(E+RE

%. A draft voucher
voucher contains
contains the follo1
follo1ing
ing information
information
o  >ame of the parties involved

o Date
o Amount to be sent
o Account number (if DD is crossed!
). ?oucher is filled
filled to earn
earn e9cise
e9cise duty and
and e9change
e9change commissio
commission. n.
". 2hen cash
cash receipt
receipt is sent to the
the account
account department
department to to /eep the
the record of
of the amount
amount
 paid in cash scroll.
C. Accountant
Accountant hands
hands over
over the DD leaf
leaf and DD voucher
voucher to his assistant
assistant to record sender:s
sender:s
name  amount and
#. 7ayee:s
7ayee:s name in in the register
register then
then assistant
assistant gives it to
to the officer
officer along
along 1ith
1ith the DD for 
for 
authentication.
. After authentic
authentication
ation of
of DD it is given
given the sender
sender and
and advice
advice to the concerne
concerned d branch.
branch.
<. 4o as soon
soon as party sho1s
sho1s the DD payment
payment is done
done through
through the
the concerned
concerned branch.
branch.

Parties In&o5&e/

In demand draft follo1ing parties are involved

%. 7urcha
7urchaser
ser or 4ender
4ender A perso
person
n 1ho sends money
money to a certain
certain person
person at a particula
particular 
r 
 branch is purchaser.

42
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

). Issuing
Issuing or Dra1ing
Dra1ing Branch
Branch 2he
2he branch from
from 1here
1here the draft issued
issued to anothe
anotherr branch
of the same ban/.
". Dra1er Branch
Branch Branch
Branch to 1hich draft
draft has been
been sent and
and has to pay the amount.
amount.
C. 7ayee
7ayee 7ayee
7ayee is a pers
person
on 1ho is name
named d to receiv
receivee the
the amou
amountnt after
after sho1
sho1in
ing
g the
the
demand draft to the dra1er branch.

,ai5 Transfer

2hrough mail directly credit is sent to the receiver:s account from one branch to another 
 branch of the same ban/.

Pro.e/ure

%. irstly the voucher

voucher is filled
filled 1ith
1ith the amount
amount to
to be sent
sent name and
and account
account number
number of 
the payee date and the name of the branch to be sent.
). ?oucher is filled
filled to earn income
income in order to e9change
e9change postage
postage the amount
amount to the mail
transfer.
". 2he sender
sender deposits
deposits the
the total amount
amount in the cash
cash departmen
department.
t.
C. 2he cash
cash officer
officer affi9
affi9 receiv
received
ed cash stamp
stamp & amount
amount 1ritten
1ritten on it 1ith
1ith red lin/ and
and
hands it over the voucher the officer.
#. 2he officer
officer 1rites
1rites the cash
cash amount
amount in the scroll
scroll and gives
gives it to his
his assistant.
assistant.
. Mt leaf is filled
filled according
according to the informat
information
ion given
given on the
the voucher
voucher by the
the sender then
then
this information is noted on M2 register 1hich is sent to the officer for authentication.

Te5e#raphi.
Te5e#raphi. Tr
Transfer
ansfer

Most urgent 1ay of sending

s ending money is 2elegraphic
2elegraphic 2ransfer 22 by 1hich the sender remits the
money urgently.
urgently. Manager of the branch issues 22 in this case to the sender.

Pro.e/ure

%. 2he manage
managerr and officer
officer use coding
coding techni
technique
que for sendin
sending
g 22 1hich
1hich is allotted
allotted as
 ban/ branch code.
). After all the
the conformatio
conformation
n payment
payment is done
done to the receiver
receiver but
but if sender 1ants
1ants to send
send
same massage.
". 2hrough
2hrough telephon
telephonee he has to pay
pay e9tra charge
chargerr along 1ith
1ith 22
22 charges.
charges.

43
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

(5earin# +epart$ent

2his department receives different /ind of instrument of the behalf of customer. Instruments
1ith clearing and date stamp fi9ed on it dra1n on ban/s as 1ell as B67 in same city are
called clearing.

T'pes of (5earin#

2here are t1o types of clearing

• 6ut1ard @learing
• In1ard @learing

In4ar/ (5earin#

2hese are those chec/s that are cleared inter branch and 1ithin the city. As the concerned
 branch receive any type of clearing chec/ first of all physical chec/ing is ta/en place. or 
clearing procedure there should be t1o days margin. 2hese cheques have their vouchers and
the amount of the cheque and voucher should be identical. 2han these cheques are stamped
and noted on receiving sheet as 1ell as feed in to the computeri3ed system.

Out4ar/ (5earin#

2hese are those cheques that are cleared outside the city. or out1ard clearing cheques are
send because the home branch has their accounts
accounts but chec/s are of the other ban/s. @ontras
of these cheques are vouchers that are recorded in the home branch.

A..ounts +epart$ent

Account department is the main function of the ban/. It plays a main function for the
 performance of the ban/. 2he account department is no1 become a computeri3ed and all the
debit and credit entries are no1 made in the computer. 2he computer than create t1o types of 
voucher. Debit voucher and credit voucher.

Bi55s +epart$ent

44
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

As the name suggest this particular department handles the bills for collection. 2hese bills
include cheque draft and pay order call deposits etc. 1ith outstation branches of B67 or 
1ith other ban/s. +e four main heads of bill department is.

• 6ut1ard Bill for @ollection (6B@!

• In1ard Bills or @ollection (IB@!
• 6ut1ard Documentary Bills or @ollection (6DB@!
• In1ard Documentary Bills or @ollection (IDB@!

(re/it +epart$ent

2his department deals 1ith loan function of the ban/. It produces the ma0or ban/ income and
it is main area for ban/ concern. 2here are # principles that must observe 1hile advancing
money to the borro1ers

• 4afety
• *iquidity
• Disposal
• Remuneration
• 4uitability

Porter $o/e5?

;@ En
Entr
tr'
' bar
barri
rier
erss =hi
=hi#h
#h>>

2he 7a/istani mar/et is highly regulated by the government and also

als o by central ban/. A lot of 
decision such as regulari3ation of interest on loans and deposits as 1ell as money supply is
controlled by the state ban/ of 7a/istan

6@ Ri&a5r'
Ri&a5r' a$on#
a$on# the e-istin#
e-istin# .o$petit
.o$petitors
ors =hi#h>
=hi#h>

-hen it comes to the ban/ing sector in the country 1e could include in 1hole lot of public as
1ell as private ban/s along 1ith >B@s and micro finance institutes 1idely spread in the
country
country.. 2he ban/ing
ban/ing sector of the country has # ban/ing institution
institution 1hich include public
sector Islamic ban/s foreign ban/s development financial insti tution speciali3ed ban/s and
micro finance institutions.

45
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

7@ Bar#ai
Bar#ainin
nin#
# po4er
po4er of supp5
supp5ier
ierss =$e/iu
=$e/iu$>
$>

2he supplier of ban/s is people from 1hom the ban/ raises funds. 4o the ma0or source funds
come from their customer (depositor! 1ho becomes the supplier in this case

:@ Bar#ainin
Bar#ainin#
# po4er
po4er of the
the .ust
.usto$er
o$er =$e/iu$>
=$e/iu$>

2he customers and the depositors have a high bargaining po1er in the mar/et. Any ban/ 
giving the higher rate of interest 1ould attract a large number of customers. Because there are
number of ban/s operating in the mar/et 1hich offer similar service.

9@ Thr
Threa
eatt fro$
fro$ sub
substi
stitut
tutes
es =hi#
=hi#h>
h>

2here are number of substitutes in retail fiancQ industry such as money lender >BDs micro
financ
financee and also the insura
insurance
nce compan
companies.
ies. Ban/s are seeing
seeing the competi
competitio
tion
n rise form
unconventional companies. Mar/ets li/e 7a/istan customer have high propensity to1ards
s1itching to other substitutes

Su$$ar'?

B67 has certain 1ea/nesses and strengths. 2he e9ternal environment has a great influence on
the
the perfo
perform
rman
ance
ce of the
the ban/
ban/.. 2he
2he regul
regulat
atio
ions
ns are
are very
very high
high the
the envi
enviro
ronm
nmen
entt is very
very
competitive.

Re.o$$en/ations

 In the
the ligh
lightt of the
the Gno1
Gno1le
ledg
dgee obta
obtain
ined
ed duri
during
ng inte
intern
rnsh
ship
ip and
and stud
study
ying
ing the
the

organi3ation the follo1ing recommendations may prove to be successful to the ban/.

 In order to capture a considerable share in the ban/ing sector of the country the prime
ob0ective
ob0ective should be a1areness in the general public. or this it should
should launch a 1ell;
 planned advertising campaign in the general public.

46
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

 7hysical facilities in a ban/ also play their role in enhancing its grade and sound
image. 2he ban/ should /eep these facilities li/e furniture par/ing facilities for the
customer.
 4alaries of the officers must be compatible to other private ban/s so that the B67 can
attract professionals intelligent persons.
 2he Ban/ of 7un0ab should minimi3e its e9penses.
 4pecial a1ards should be given to the hard1or/ing employees 1ho performed e9tra;
ordinary in the ban/.
 2he ban/ should come up 1ith ne1 and innovative products. It 1ould be advisable to
ma/e these products 1hile /eeping in mind the gap bet1een 1hat people 1ant and
1hat their ban/s are providing them.
 2he Ban/ of 7un0ab should concentrate more on advances than on investments
 2he ban/ should come up 1ith such products or services in 1hich the customers
1ould not have to come to the ban/ at any
an y stage i.e. 2elephone
2elephone Ban/ing etc.
 2he Ban/ of 7un0ab should use the latest technology because the ban/ 1hich can
 provide speedy
speed y accurate and standard
s tandard services
s ervices in the delivery of products loans etc.
to the customers 1ill be successful e.g. computeri3ation fa9 installation.
 2he authority should be delegated to the manage level.
 MI4 should improved by connecting all regional offices and branches to the head
office through a net1or/ for timely delivery of information.
 Management of Ban/ of 7un0ab should try to avoid the political influences and should
give loans on merit.
 2he ban/ should ma/e a plan to gear up its recovery function on 1ar fooling and
recogni3e the recovery function.
 2he
2he Ban/
Ban/ of 7un0
7un0ab
ab shou
should
ld give
give some
some e9tra
e9tra cred
credit
it to conc
concern
ern to prof
profes
essio
siona
nall

qualifications such as BBA MBA (I2!:s M.B.A:s @.A:s A.@.M.A:s at the time of 
recruitment and selection.
 Intervie1 should be conducted 1hile recruiting personnel to consider the personality
characters communications s/ills and sociability.
 2he ban/ should adopt a policy to accommodate and facilitate the research scholars

1ho 1ant to study the ban/ing affairs. 2he universities and other institutions can help
to launch the studies regarding ban/ing business.
 All possible efforts should be made to protect the ban/ from the interruption of 
7rovincial government.

47
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

 2here should be an association of employee to convey the voice of the employees to

the administration.
 7art
7artici
icipa
pati
tive
ve mana
managem
gement
ent conc
concep
eptt shou
should
ld be adop
adopte
ted
d 1her
1heree ideas
ideas from
from the
the
employees should also be ta/e not only for developing products but also service
efficiency employee
employee morale etc. in order to improve them.
 Ban/ of 7un0ab is a very 1ell established ban/ but the number of air conditioners

they have in the 1hole ban/ is very less. Ban/ should increase the number of its 4plit
units because summer stays longer in *ahore.
 2he number of a9 machines and photocopying machine in he ban/ are also less than
they are needed. or photocopying one has to go do1nstairs. 46 there should be more
machines and also their placement should be at the right place.
 B67 should introduce more training programs for their employees. It 1ill help less
educated and less e9perienced staff to gro1 and be a valuable part of the ban/.

(on.5usions

I thoroughly
thoroughly chec/ed the performance
performance of the B67 and I reali3ed
reali3ed that it is becoming
becoming one the
most
most gro1in
gro1ing
g ban/
ban/ in our country
country.. 2he
2he financi
financial
al report
reportss are very encourag
encouraging
ing and the
shareholders are very happy about it. Also there are some fla1s in their operations 1hich they
the y
need to overcome if they 1ant to reach at top. @ontinuous efforts should be made to increase
the quality of the products and services of the ban/.

Internship is an interesting e9perience 1hich gave me the practical /no1ledge about ban/ing
field. I observe ban/ing activities very closely and become part of it. I learnt a lot from my
supervisor and understood the operations of ban/ing. 2his internship enhances my e9perience
and s/ills.

Abbre&iations

B67 (Ban/ of 7un0ab!

B6M (branch 6perational Manager!

48
 The Bank Of Punjab
  Gujrat
INTERNSHIP REPORT

Referen.es?

Mr5asim

Annual report B67$ )'%'

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