Internship Report MCB Bank LTD 2021

HAMZA KHALID 70072479
INTERNSHIP REPORT (2021) ON MCB BANK LTD

Internship Report
Muslim Commercial Bank (PVT) LTD.
BRANCH NAME: MCB FAISAL TOWN
BRANCH CODE: 1403
Internship report submitted in partial fulfillment
Of the requirements for the degree of
BACHELOR OF BUSINESS ADMINISTRATION
BY:
HAMZA KHALID
BBA 02181055
70072479
Submitted to:
Ma’am Eza Rabab
Faculty of Management Sciences
Lahore Business School
Lahore, Pakistan
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INTERNSHIP LETTER
2
3
Acknowledgement
I have the only pearl of eyes which is the blessing of empathy and (omnipotent) power
because words are bound, knowledge is limited, and time is short to express his greatness.
Thanks to Almighty Allah, the most gracious, the most kind (merciful), who gave us the
power to do this project. Our special praise/appreciation for the Prophet Muhammad (peace
and blessings of Allah be upon him), which is for humanity as a whole.
First of all, I would like to thank my Internship Supervisor Ms. EZA RABAB, for her advice,
supervision and constant feedback which enabled me to prepare a good internship report.
I also want to thank all the staff of MCB Faisal town, Lahore; who taught me about practical
life, explain to me what banking is, what the purpose of a bank is and what a banker does,
and allow me to have a great learning experience.
Sincerely thanks to:
 Mr. Ishfaq Ahmad (Branch Manager)

 Ms. Heena Shahid (Branch Operational Manager)
 Ms. Sumyya Zehri (Branch Sales officer/RM)
 Sir Shahid Qamar (Branch General Banking officer)
 Ms. Farzeen Qaiser (General Banking Officer)
 Mr. Sajjad (TSO)
 Mr. Zeeshan (TSS)
 Ms. Tallat Hafeez (CSO)
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Letter of Report Submission
Date August 31, 2021

Ma’am Eza Rabab
Lecturer
University of Lahore
Subject: Internship Report Submission
Respected Ma’am,
I would like to present/submit my report on the requirements of BBA program at Lahore

Business School, Lahore University.
I have successfully completed the internship report; as an intern for six weeks. Working on
this report was valuable and worthwhile for me because I was able to learn the difference
between practical and theoretical work. I hope you find the report objective, systematic and
reliable.
I would like to take this opportunity to thank you for all the support and guidance you have
provided
Sincerely,
HAMZA KHALID
SAP ID: 70072479
Registration no. BBA02181055
University of Lahore
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Executive Summary:
MCB Bank is a well-known and old commercial bank in Pakistan. It provides a large number
of products and services to its customers. My work is based on observations and experiences
during my internship and for this report, data has been collected from various sources in
which I write my own work, interact with staff, banking literature etc. In the internship
report, I did my best to explain all the things I learned during my internship and also gave
some suggestions for improving MCB Bank LTD and my LBS education sector. This report
is the result of my internship at MCB Bank, Lahore Branch 1403, Faisal Town. My internship
report is based on different sections.
CHAPTER 1 is based on the introduction of MCB Bank which includes organizational

review, organizational structure and industry analysis. The CHAPTER 2 and this part is my
own work at MCB Bank in which I briefly describe my experience in various fields such as
general banking, treasury, clearing and remittances where I have interacted with customers,
their attitude, customers Dealing with, managing various banking issues, professional skills,
values, cultural diversity etc. In CHAPTER 3 I summarize the learning in which I answer a
variety of questions such as what skills during the internship. And qualifying, what
responsibilities I used and learnt in the bank, which has influenced my career plan and the
knowledge I have acquired with our knowledge in the university classroom and I have got an
idea about difference between Practical and academic reality that how things prevail in
professional life.
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Table of Contents
INTERNSHIP LETTER........................................................................................................................................2
ACKNOWLEDGEMENT.....................................................................................................................................4
LETTER OF REPORT SUBMISSION...............................................................................................................5
EXECUTIVE SUMMARY:..................................................................................................................................6
CHAPTER I..........................................................................................................................................................13
MCB BANK PVT LTD........................................................................................................................................13
INTRODUCTION................................................................................................................................................14
CORPORATE VALUES OF MCB BANK........................................................................................................17
VISION AND MISSION..................................................................................................................................17

CORE VALUES................................................................................................................................................18
Integrity........................................................................................................................................................18
Innovation.....................................................................................................................................................18
Excellence.....................................................................................................................................................18
Customer Centricity.....................................................................................................................................18
Respect.........................................................................................................................................................18
OBJECTIVE AND GOALS OF ORGANIZATION......................................................................................................18
Marketing Goals:.........................................................................................................................................18
Human Resource Objectives and Goals:.....................................................................................................19
Financial Goals:..........................................................................................................................................19
Strategic Objective:......................................................................................................................................19
COMPETITORS..................................................................................................................................................20
MCB outperforming than his competitors 2019-till today...........................................................................20
PRODUCTS AND SERVICES PROVIDED BY MCB BANK LTD..............................................................21
MCB RETAIL BANKING.....................................................................................................................................21

Current Account:..........................................................................................................................................21
Saving Accounts:..........................................................................................................................................21
MCB Mnet:...................................................................................................................................................21
MCB Home Remittance:...............................................................................................................................22
MCB INVESTMENT BANKING............................................................................................................................22
MCB Equity Capital Raising:......................................................................................................................22
MCB Advisory Services:...............................................................................................................................22
MCB One current account:..........................................................................................................................22
MCB PRIVILEGE BANKING:...............................................................................................................................23
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MCB AGRI FINANCING PRODUCTS:..................................................................................................................23

MCB CONSUMER LENDING PRODUCTS.............................................................................................................23
MCB WEALTH MANAGEMENT..........................................................................................................................24
MCB DIGITAL BANKING PRODUCTS AND SERVICES.........................................................................................24
WBG PRODUCTS AND SERVICES.......................................................................................................................25
MCB TRANSACTION BANKING..........................................................................................................................25
MCB TRADE PRODUCTS....................................................................................................................................25
Quick-LC:.....................................................................................................................................................25
Econ-LC:......................................................................................................................................................26
Guarantee (Export):.....................................................................................................................................26
CORPORATE/ORGANIZATION PROFILE..................................................................................................27
ORGANIZATIONAL CHART OF MCB..........................................................................................................28
MCB FAISAL TOWN BRANCH (1403) HIERARCHY.................................................................................29
MCB FAISAL TOWN LAHORE BRANCH (1403) WORKING STRUCTURE:........................................30
BM (BRANCH MANAGER) (SALES DEPARTMENT) SIR. ISHFAQ AHMED...........................................................30

BOM (BRANCH OPERATION MANAGER) MA’AM HEENA SHAHID...................................................................30
GENERAL BANKING OFFICER (MA’AM FARZEEN QAISER)...............................................................................30
CUSTOMER RELATIONSHIP MANAGER (CRM/RM) MA’AM SUMYYA ZEHRI...................................................31
CUSTOMER SERVICES OFFICER (CSO) (MA’AM TALLAT HAFEEZ):..................................................................31
TELLER SUPERVISOR (TSS) (SIR. ZEESHAN).....................................................................................................31
TELLER SERVICES OFFICER (TSO)/ CASHIER (SIR. SAJJAD AND SIR ZEESHAN NOOR).....................................31
INDUSTRY ANALYSIS......................................................................................................................................33
MICRO ANALYSIS..............................................................................................................................................33
SWOT ANALYSIS...............................................................................................................................................33
MACRO ANALYSIS.............................................................................................................................................35
PEST Analysis..............................................................................................................................................35
Political........................................................................................................................................................35
Economic......................................................................................................................................................35
Social............................................................................................................................................................35
Technological/Technical..............................................................................................................................36
CHAPTER 2 | WORKING EXPERIENCE......................................................................................................37
BRIEF EXPLANATION OF MY SIX WEEKS INTERNSHIP AT MCB.........................................................................37
WEEKLY WORK JOURNALS/ LOG BOOK.................................................................................................38
WEEK 1..............................................................................................................................................................38
Department: General Banking.....................................................................................................................38
Supervisors: Sir Ishfaq Ahmed (BM) & Sir Shahid Qamar (GBO).............................................................38
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WEEK 2..............................................................................................................................................................39
Department: Sales/Customers relation and Operations..............................................................................39
Supervisor: Ma’am Heena Shahid (BOM) & Ma’am Sumiyya Zehri (CRM/RM).......................................39
WEEK 3..............................................................................................................................................................40
Supervisor: Sir, Shahid Qamar (As GBO)...................................................................................................40
WEEK 4..............................................................................................................................................................41
Department: General Banking (Remittance section and Funds transfer)...................................................41
Supervisors: Ma’am Heena Shahid and Sir Shahid Qamar........................................................................41
WEEK 5..............................................................................................................................................................42
Department: CSO (GB dept) & Cash Dept..................................................................................................42
Supervisor: Sir Sajjad (TSO), Sir Zeeshan (TSS), Sir Zeeshan Noor (TSO)................................................42
WEEK 6..............................................................................................................................................................43
Supervisors: Sir Zeeshan, Zeeshan Noor, Sir Shahid Qamar, Ma’am Tallat Hafeez and Ma’am Heena
Shahid...........................................................................................................................................................43
FIRST WEEK.......................................................................................................................................................44
SECOND WEEK:................................................................................................................................................44
THIRD WEEK:....................................................................................................................................................44
FOURTH WEEK:................................................................................................................................................44
FIFTH WEEK:.....................................................................................................................................................44
SIXTH WEEK:.....................................................................................................................................................44
MCB DEPARTMENTS DETAILS ALONG WITH THEIR OPERATIONS DETAIL:.............................45
WEEK 1, 19TH JULY TO 26TH OF JULY, 2021.......................................................................................................45

SUPERVISOR: SIR SHAHID QAMAR AND MA’AM TALLAT HAFEEZ...................................................................45
Details of my Activities of 1st week...............................................................................................................45
Online transaction method through Deposit Slips (along with cheques or cash deposit:...........................45
WEEK 2, 27TH JULY TO 31ST JULY, 2021.............................................................................................................46
Department: Account Opening.....................................................................................................................46
Supervisor: Ma’am Sumiyya Zehri..............................................................................................................46
Details of my activities of 2nd Week..............................................................................................................46
HOW ATM/DEBIT CARDS AND CHEQUE BOOKS BEING ISSUED.........................................................................48
WEEK 3, 2ND AUGUST TO 6TH OF AUGUST, 2021................................................................................................48
Department: Clearing Department..............................................................................................................48
SUPERVISOR: SIR SHAHID QAMAR (AS GBO)...................................................................................................48
Details of Department and my activities 3rd week........................................................................................48
The Outward Clearing details:....................................................................................................................48
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The Inward clearing details:........................................................................................................................49

TYPES OF CHEQUES COLLECTION:......................................................................................................................50
Cheque Transfer Delivery:...........................................................................................................................50
Cheque clearings:........................................................................................................................................50
Cheques Collections or collection cheques (CC):.......................................................................................50
WEEK 4, 9TH AUGUST TO 13TH OF AUGUST, 2021...............................................................................................50
Department: GENERAL BANKING (SECTION OF RMITTANCE)............................................................50
Supervisor: Sir Shahid Qamar and Ma’am Tallat Hafeez...........................................................................50
Inward payment/remittance:........................................................................................................................50
Outward payment/remittance:......................................................................................................................50
The way of Payments/Remittances...............................................................................................................51
WEEK 5, 16TH OF AUGUST TO 20TH OF AUGUST..................................................................................................51
Department: CASH and General Banking Department (section CSO).......................................................51
Supervisors: Sir Sajjad, Sir Zeeshan, Zeeshan Noor and Ma’am Heena Shahid........................................51
My activities Details of this Week................................................................................................................51
Collection of Utility Bills:............................................................................................................................52
Worked as CSO along with other activities.................................................................................................52
WEEK 6, 23RD AUGUST TO 30TH AUGUST, 2021..................................................................................................53
Department: The General Banking and ATM..............................................................................................53
Supervisors: Ma’am Heena Shahid and Sir Shahid Qamar........................................................................53
ATM card:....................................................................................................................................................53
Lockers operating at MCB:..........................................................................................................................53
How to use the locker:..................................................................................................................................54
Tasks assigned to me:...................................................................................................................................54
Account opening:..........................................................................................................................................54
Voucher:.......................................................................................................................................................54
Issuance of cheque book:.............................................................................................................................54
Record entries in the register of Clearings:.................................................................................................54
Collection of Utility Bills:............................................................................................................................55
CHAPTER 3.........................................................................................................................................................57
A BRIEF SUMMARY OF MY OVERALL LEARNING................................................................................57
THE SKILLS LEARNT AT MCB.....................................................................................................................57
THE RESPONSIBILITIES LEARNT AT MCB:.............................................................................................58
INFLUENCE ON MY FUTURE PLAN:...........................................................................................................59
LINK BETWEEN ACADEMIC AND PRACTICAL REALITY...................................................................59
MY SUGGESTIONS TO INSTITUTE AND LBS DEPARTMENT................................................................................59
RECOMMENDATIONS FOR MCB BANK LTD...........................................................................................61
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CONCLUSION.....................................................................................................................................................62
REFERENCES.....................................................................................................................................................63
CONTACT DETAILS.........................................................................................................................................63
BRANCH CONTACT DETAILS..............................................................................................................................63
SUPERIORS.........................................................................................................................................................63
INTRODUCION TO ORGANIZATION AND

CHAPTER
INDUSTRY 1
ANALYSIS
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Chapter I
MCB BANK PVT LTD

MCB is one of the oldest banks in Pakistan, which was incorporated in 1947. It was
privatized in 1991. The bank launched the Global Depository Receipt (GDR) in 2006 to
access international capital markets. It was the first Pakistani bank to have GDRs listed. At
the London Stock Exchange in 2008, the bank entered into a strategic partnership with May
Bank, Malaysia, which owns 20 s through May Bank International Trust (Labuan).
Over the past fifteen years, the bank has been able to improve the quality of services, invest
in technology and people, use its extensive branch network, build a large and stable deposit
base and improve its non-performing loans through better risk. Management has focused on
development. Management Process MCB Bank Limited is one of the largest banks in
Pakistan. The MCB Tower in Karachi serves as the headquarters of the Muslim Commercial
Bank and is the tallest building in Pakistan. On the advice of Merrill Lynch, MCB became the
fourth Pakistani company to be listed on the London Stock Exchange when it submitted a
deposit certificate of 150 million. MCB has the highest NIM (Net Interest Margin) in the
industry due to its ability to keep financing costs low. These margins are expected to be
maintained as high-yielding consumer loans meet price pressures in other parts of the
portfolio as well as rising financial costs. MCB is one of the highest ROA (Return on Assets)
and ROE (Return on Equity) in the banking industry.
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Introduction
The word "bank" is derived from the word banque or bencus. This banking date is 200 BC.
Banks are, in fact, an ancient society, because since man has realized the importance of
money through exchange, there has naturally been a need for control or regulation or
institution. They live in Greece who kept people's money and valuables in temples.
In this way, they continue to act as financial agents. The origin of the bank goes first to the
people of silver and goldsmiths. They kept people's money and valuables safe. The first step
in the development of modern banking was therefore to raise cash from those who had extra
money. The goldsmith uses it to issue receipts for deposits. In the settlement of the
transaction, this income began to flow hand in hand because people had confidence in the
integrity and reputation of the goldsmith. When it was found out that these receipts have been
fully accepted in the repayment of loans. Receipts were then drawn in such a way that it
allowed any holder to claim a certain amount from the goldsmith. A depositor who has the
right to pay refers to receiving cash from the goldsmith or paying a receipt to the lender.
These receipts were earlier notes. The second phase of banking development was therefore
the issuance of banknotes. The goldsmith sooner or later discovered that not all the people
who had deposited money with them came to withdraw their funds in cash and they also
found that only a few people submitted cash receipts within a specified period. They also
found that most of the money they had deposited was wasted. At the same time, they found
that they were constantly asked for loans with good guarantees. He thought it would be
beneficial to lend at least some of the money he had saved to the needy. This has proved to be
a lucrative business for goldsmiths. Instead of charging depositors a custodial fee, they
started paying interest on their deposits. This was the third phase of the bank's development.
At the time of the Independent, there were 631 regular bank offices in Pakistan, of which 487
were in West Pakistan alone. As a new helpless because of scarce resourceful country, it was
very difficult for Pakistan to take over its banking system immediately. Therefore, the
Committee of Experts recommended that the Reserve Bank of India should continue to
operate in Pakistan till September 30, 1948, so that issues of time limit and liability on time,
coins, foreign exchange, etc. could be settled between Pakistan and India. Non-Muslims have
started transferring their fund accounts to India. At the end of June 1948, the number of
agents of banks registered in Pakistan decreased from 631 to 225. Pakistani institutions,
Habib Bank of Pakistan and Australian Bank. The bank's customer was not satisfied with the
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bank's uncertainty. Similarly, the Reserve Bank of India was not in favor of the government
of Pakistan. The government of Pakistan decided to create a full-fledged central bank. The
Governor of Pakistan, Quaid-e-Azam Muhammad Ali Jinnah, established the STATE BANK
OF PAKISTAN (SBP) on July 1, 1948. The banking infrastructure in Pakistan includes the
following types.
 State Bank of Pakistan

 Specialized credit institutions
 Co-operative Banks
 Commercial/Private Bank of Pakistan
Commercial banks have been the most efficient savings mobilizer and have provided short-
term working capital to trade, commerce and industry. As of December 31, 1973, 14
Pakistani commercial banks were operating through a network of branches across the country
and in some foreign countries.
• National Bank of Pakistan
• Muslim Commercial Bank Limited
• Habib Bank Limited
• United Bank Limited
• Allied Bank of Pakistan
The State bank of Pakistan is the central Bank of Pakistan and was established on July 1,
1948. In the event of East Pakistan's secession and economic downturn, its effects caused
great difficulties for the Pakistani banking system. The branches of bank network now cover
a large part of the national economy. The number of branches has increased significantly and
now the bank has branches for about 3000 residents. Reserves have increased significantly
since the formation of Pakistan. The government introduced the need to privatize banks and
state-owned enterprises in Pakistan in the late 1990s. The private sector has accepted the
challenge and most of banks are privatized today.
Commercial banks have been the most efficient savings mobilizer and have provided short-
term working capital to trade, commerce and industry. As of December 31, 1973, 14
Pakistani commercial banks were operating through a network of branches across the country
14
and in some foreign countries. All these commercial banks were nationalized and recognized
on January 1, 1947 and merged into the following five banks.
Allied Bank
Limited
Habib Bank United Bank

Limited Limited
Muslim
Commercial
Bank
Limited
National
Bank of
Pakistan
State Bank of Pakistan is the central bank of Pakistan and was established on July 1, 1948.
The effects of East Pakistan's secession and economic downturn have created many problems
for the Pakistani banking system. The branch network now covers a large part of the national
economy. The number of branches has increased significantly and now there is a bank branch
for about 3000 inhabitants. Reserves have increased significantly since the formation of
Pakistan. The government introduced the need to privatize banks and state-owned enterprises
in Pakistan in the late 1990s. The private sector has accepted the challenge and most banks
have been privatized.
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Corporate values of MCB BANK
VISION AND MISSION
VISION MISISION
"We are a team of committed

professionals, providing
"To be the leading financial innovative and efficient
services provider, partnering financial solutions to create and
with our customers for a more nurture long-term relationships
prosperous and secure future". with our customers. In doing
so, we ensure that our
shareholders can invest with
confidence in us".
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CORE VALUES
Integrity
We are loyal to public funds and serve our community with integrity. We always believe in
being the best to do the right thing. We maintain our responsibilities and commitments to our
customers and partners.
Innovation
We encourage and reward those who challenge the status quo and think outside the box. Our
team works together to implement ideas and projects easily and efficiently.
Excellence
We take personal responsibility for our leadership role in achieving excellence. We are a
performance and results oriented organization where the only criterion of reward is merit.
Customer Centricity
Our customers are most valuable/precious and main concern of everything we do. We work
on the challenge of understanding their needs and desires, both realized and
dormant/unrealized needs. We strive to exceed customer expectations through high quality
services and solutions.
Respect
We respect our clients' values, beliefs, culture and history. We value gender equality and the
diversity of experiences and education that our employees bring with them. We create an
environment where everyone has a chance to succeed.
Objective and Goals of Organization

Marketing Goals:
Customer Oriented:
When we communicate with them, we treat each of our customers as the same and most
important person. We need to make sure that we are doing our best to meet and exceed
customer expectations with time, accuracy and quality service.
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Quest/Search for Quality:

We make sure that every moment of our time is dedicated to a value-added activity. We are
always looking for ways to exceed the expectations of our customers and colleagues. We also
make sure we fix it the first time, every time.
Concern towards Society:

We are making sure that we are giving our fair share to the government. We have realized
that we have a responsibility in the society in which we operate and we are looking for ways
to contribute positively to the betterment of the community as a whole.
Human Resource Objectives and Goals:

Employee Integrity and Motivation:
We treat each of our employees with fairness which includes giving constructive feedback for
their development. We celebrate diversity and seek suggestions for all employees for
improvement. We ensure the equity and fair decision making.
Team Oriented Approach:

We as team working together with harmony and unity to achieve our vision and mission. We
encourage inter and departmental communication. We treat our colleagues as our internal
customers and ensure that the needs of the internal customer focus are always met.
Financial Goals:
We have always tried to make a profit by implementing the projects that we have developed
according to the goals and objectives. We are urged to increase profits by providing better
and better quality.
Strategic Objective:
 Deliver significant returns on sustainable stakeholder performance beyond market and
shareholder expectations.
 Provide value-added services through operational expansion, geography and
improved systems.
 Build a corporate culture of trust, quality and team spirit while remaining committed
to being a socially responsible organization.
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Competitors
This subject is very important for the industry analysis and to know who are our competitors
which operates in the banking industry, and the following are the top competitors of the
MCB BANK Limited:
Askari Bank
Bank Alfalah
The Bank UBL

of Punjab
Bank of
Khyber
National
Bank of Allied
Pakistan Bank
NIB Bank BankIslami
Faysal
Bank
HBL
Standard
Chartered
MCB outperforming than his competitors 2019-till today

The growth of the banking sector has recovered with the recovery of economic conditions
and is expected to accelerate further with the increase in economic activity.
A research report by Spectrum Research suggests that the expected reduction in interest rates
should accelerate growth in working capital and consumer finance.
On the other hand, the reduction in the policy rate in 2020 improved the returns on
investments that banks have long-term GDP and reduced interest rates as well as non-
performing loans.
Since November 2018, the State Bank of Pakistan (SBP) has raised the policy rate by 325
basis points to 13.25%, as a result, bank deposits have recovered by 10%. PKR 8.158 billion,
while in 2019 investment increased by 16%.
In terms of profitability of the sector, which is expected to remain healthy due to better asset
distribution, banks have a large share of investment in long-term instruments and growth as
well as reduction in non-performing loans. Performance. NPL) NIMs are likely to be
19
forwarded. Ongoing economic stability and a low interest rate environment will bring NPLs
to a minimum.
Regardless, in 2019, MCB outperformed its peers in terms of Return on Equity (ROE),
Capital and Savings Account (CASA), Capital Advocacy Ratio (CAR) and the highest
dividend payments in the industry.
Going forward, the MCB will benefit from a reduction in policy rates, as the bank has a large
investment in long-term GDP. In addition, lower interest rates will force the bank to increase
its share of low-cost deposits (current account deposits) to maintain NIMs, which were 4.9%
in CY19 and 5.2% in CY20. (Desk, 2020)
Although MCB Bank has this competitive edge over his competitors but has lots of other
weaknesses in this industry which will be discussed in the SWOT & PEST analysis.
Products and services provided by MCB Bank LTD

MCB Retail Banking
Current Account:
MCB Bank offers a number of local and foreign currency current accounts to cater to the
daily transaction needs of different customers. These accounts guarantee ease and freedom in
banking from more than 1400 branches across the country. Different accounts include: Basic
bank account with no minimum balance required. Corporate account that offers free online
transactions, visual drafts, payment orders, and day-to-day business needs. Current Life
Account which provides free insurance coverage. And for all others, the traditional current
account.
Saving Accounts:
MCB Bank offers a wide range of domestic and foreign currency savings products to meet
short-term growth and transaction needs. Their savings accounts offer attractive interest rates
to different segments of customers; have the frequency of payment of withheld profits and the
payment of various profits.
MCB Mnet:
MNET is an electronic interbank communication platform for online transactions at ATMs
and other remote banking channels. It offers other value-added services, including online
banking products and payment systems, as well as a portfolio of their management and day-
20
to-day operations. The members include 10 local and foreign financial institutions that are
benefiting from ATM sharing and value-added services.
MCB Home Remittance:

MCB Home Remittance offers top notch quality services to Pakistanis abroad to send fast and
free remittances across Pakistan through MCB's extensive network of more than 1,200
branches and currently they launched a new product named Digital roshan Pakistan account
for all the customers living around the globe and for locals they launched burqraftar accounts.
Money can be sent free and instant through our international shipping agents such as
MoneyGram, Express Money and more.
MCB Investment Banking

MCB Equity Capital Raising:
MCB Equity Capital Raising involves raising capital for its clients by offering common or
preferred shares to general or preferred investors through initial or public offerings, sales
offer, rights issues and private placements.
MCB Advisory Services:

Financial and Capital Raising Advisory provides our clients with financial advisory services,
business infrastructure support and access to capital resources to help companies successfully
finance their business / project.
MCB One current account:

It’s similar to current but somewhat unique in nature because it has some additional free
features to offer (cheque book, debit card, intercity transactions, SMS facility, e-statement) or
a certain condition.
MCB 356 MCB MCB

Roshan MCB Smart MCB MCB Asaan
MCB Assan Savings Burqraftaar MCB ladies Senior MCB E-
Digital Business Salary Club Remittance
Account Gold Remittance Account Citizens Statements
Account Account Account Account
Account Account Account
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MCB Privilege Banking:

High end customers service with variety of financial services and opportunities for
investment and transactional ease, via sales force of bank which involves Branch Manager
and Customer Relation Manager with unparallel advantages for privilege customers.
MCB Agri Financing Products:

The MCB has been providing financial support to the agricultural sector since 1973. With the
help of our extensive network of agencies, specialized staff working in agencies, multiple and
diverse range of products, we cater and facilitate the financial needs of the agrarian class
spread across the country. Achieving increased productivity
K h u sh a li P la n
H ig h E fficien cy Irrig a tio n S y stem
S h a d ab i P lan
D ig ita l A ccess to reco rd o f P u n ja b L a n d R eco rd A u th o rity
L o a n O rig in a tio n S y stem
MCB Consumer Lending Products

Consumer banking of MCB offers the variety of loan products to their valuable customer.
The current portfolio this products consist of following products;
MCB Car4U
MCB Home Loan
MCB Credit Cards
MCB Personal Loan
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And this product is supported by assistance of their Internal audit, compliance, services
quality and legal team and they work together to ensure that operations are efficient and
according to customers expectations under framework of regulatory.
MCB Wealth Management

The following are the services provided under this head;
MCB
Bancassurance
(Financial
Security)
MCB
Investment
Services
(Mutual funds)
MCB Digital Banking Products and Services
MCB Debit Card

MCB ATMs
MCB Mobile
MCB Internet Banking
MCB Lite
MCB Card Discounts
MCB Alerts
Card Acquiring (Point of Sale)
Internet Acquiring (MCB eGate)
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WBG Products and Services

Burqraftaar and Home Remmitance products were biggest brands of MCB in 2020 and it was
one of the biggest contribution to national economy by improving the current account of
Pakistan and reflected the GDP in postive way. Following are the Products and services of
MCB under this head;
MCB
MCB
Burqraftaar
Burqraftaar MCB Lite Remit
Cash (cash in
transfer
hand)
MCB Transaction Banking
CollectPlus
RemitPlus
Debit Plus
PayPlus
TBD-FI Cash Management
Online Fund Transfer
Tax & Duties Payments to FBR
Corporaate IVR for Collection
IPO/SPO’s & Right Shares
Dividend Warrant Management
MCB Trade Products

Commercial/trade Products offers a wide range of standard and tailor-made products and
solutions for consumers from all walks of life. Despite the standard product inventory on the
market in improved form, new specific products on the market include:
Quick-LC:
 Simple and easy-to-use procedure, internal desktop application design, allows users to
enter, email and print LC application forms, reduces costs and improves TAT and
typing accuracy.
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Econ-LC:
 A product program that allows negotiations to waive drafts / exchange bills as needed
under LCs available, resulting in a reduction in transaction cost for importers
Guarantee (Export):
 A global product designed to facilitate export financing by allowing the exporter
(seller) to receive credit for a counterparty, ie importer (buyer). A contract (non-LC
transaction)
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CORPORATE/ORGANIZATION PROFILE
Registered/Principal Registered /Principal Office:

MCB Building, 15-Main Gulberg, Jail
Road, Lahore, Pakistan.
Contact us: UAN: +9242111000622
E-mail: investor.relations@mcb.com.pk
Visit us: www.mcb.com.pk
Registrar’s and Share Registration Office(s):
Head Office:
M/s. THK Associates (Pvt.) Limited Plot No. 32-
C, Jami Commercial Street 2, D.H.A., Phase VII,
Karachi, Pakistan.
Branch Office:
M/s. THK Associates (Pvt.) Limited Siddique Trade
Centre, Office No. PL-29, PL Floor, 72 Main Boulevard
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Organizational Chart of MCB
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MCB FAISAL TOWN BRANCH (1403) Hierarchy
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MCB Faisal town Lahore Branch (1403) working Structure:

 Branch Manager (BM)
 (Branch Operations Manager (BOM)
 General Banking Officer (GBO)
 Teller Services Supervisor (TSS)
 Cashier (TSO)
 Customer Services officer (CSO)
 Customer Relationship Manager (CRM/RM)
BM (Branch Manager) (Sales Department) Sir. Ishfaq Ahmed

 Multi-growth goals (maximize sales, accumulate deposit advances and profits).
 Strengthen existing relationships.
 Identify new business opportunities.
 Car sales
 Mortgage loan
 Personal loans
 Reporting directly to the Regional Sales Manager to achieve branch objectives.
BOM (Branch Operation Manager) Ma’am Heena Shahid

 Minimize operational risk (complain about banking regulations/policies/procedures).
 Reporting directly to the ROM (Regional Operations Manager) for all branch
operational activities.
 Minimize operational risk with internal control and get the best audit score.
General Banking Officer (Ma’am Farzeen Qaiser)

 Handling the cheque books.
 RTC (Rupee Traveler's Check)
 ATM Management
 Online Deposit and Transfer Slips (Cash and Check)
 Inward and outward clearing process.
 Salaries transfer (govt institutes)
 Pensions Transfer (govt institutes)
 Signatures verification
 LESCO Funds transfer
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 Making Batch of Transactions (First Debit Head office (HO) and Then Credit them)
 The lockers operation.
Customer Relationship Manager (CRM/RM) Ma’am Sumyya Zehri

 Account opening
 Know your client updates.
 Insurance
 Credit card and Debit card
 Offer to customers for investments
Customer Services officer (CSO) (Ma’am Tallat Hafeez):

 Guiding customers about newly introduced products and services and pitching them
to avail it.
 Receiving customers calls and resonating with their issues
 Filling Deposit slips, Bankers Cheque/ Pay Order (Funds Transfer)/ Call Deposit
Receipts Dealing with Customers and convince them to open an account
 Remittance
 BioVerisys
 Issues Bank statements to customers through KM (Reports Portal)
 Stop Payments if someone wants to stop/ cancer their cheques or Bankers
Cheque/CDR
 Debit Card Form filling
 All the forms and Important notices under the CSO
Teller Supervisor (TSS) (Sir. Zeeshan)

 Operations Supervision
 Supervises All the clearing Deposits
 Cash Balancing Supervision
 Bankers Cheque/CDR Supervision
 VDC Balancing Supervision
 Cheques Transactions and withdrawal Supervision
 All the important Clearings, Transactions, forms, cash balancing are under TSS
Teller Services officer (TSO)/ Cashier (Sir. Sajjad and Sir Zeeshan Noor)
 Cash handling
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 Receipt of invoices and fees.

 Online payment.
 Payments receipts
 Cash deposits
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Industry Analysis
Micro Analysis
SWOT analysis
INTERNAL
S
Customers Loyalty
Largest ATMs network
Huge Branch Network (14000+)
Highest Deposit Base
Recovery of loans
Diversified Products and services range
Trade Financing
Home Remittance Services
W
High Cost for Admin
Low investment in R&D
Most of the Data recorded on traditional registers (Wastage)
Low Assets Turnover ratios and revenues
Too much paper work for each thing which causes painstaking worload on employees and
increases customers waiting time whom are in wait for their turn which can turn into
customer disatisfied experience.
Bad time management is the biggest mistake in MCB branches, as the official closing time of
the bank is 5:30 pm, but the staff is usually at their seats from 7:00 pm to 9:00 pm. ‫۔‬
In almost all branches, it is also noted that the staff complains of overwork. That is why the
turnover rate of MCB is increasing.
Branch's inattentive infrastructure (currently)
Employees at the branch level are not enough to work. They find routine activities boring.
Transactional top management Leadership Causes turnover
Slow pace of ITG (It department work) which causes delay or become bottleneck for branch
operations
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EXTERNAL
O
Potential in Foreign Operations
Low Awareness of new market trends around the globe (Blockchain and
Crypto)
Fixed deposit schemes of rupees
Long Term Relations with new potential customers
MCB has launched new products or services for overseas customers and
locals as burqraftar remittance accounts, as more and more customers come
for remittances every day and this will attract more customers than other
banks.
MCB can promote new products and services provided by MCB Bank.
Through advertising on social media through SEM and SEO strategies, MCB
can make more new customers.
The branch should start some kind of social or cultural service. By doing so,
they can encourage their customers to use and contribute to MCB services.
The new digtial currency/Crypto currency
Blockchain
T
Political Instability
Bad Debts
Influences of politics
Uncertain Govt policies
Control of Forex
underdevloped infrastructure.
Introducing new alliances with other banks.
Another threat is the economic and political situation.
HBL Bank offers attractive and new services to MCB customers.
Crypto currency
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Macro Analysis
PEST Analysis
Political
Political stability and a controlled public order situation are prerequisites for any economic
growth and increase investor confidence in the country, giving companies a potential
investment opportunity. However, political instability can harm the economy/stock market,
resulting in lower profits.
The current situation of the government in Pakistan directly affects the policies of the banks.
However, MCB tries to keep its business away from politics, but it is not an easy task. The
MCB does not have a political leader or party account. However, its customer service is
under equal pressure from these political parties.
Economic
The current situation of Pakistan is somewhat fine because cement, textile, stock exchange,
and automobile industry boom but its trickle-up golden growth; not beneficial for lower strata
of society so which could affect the customers of MCB bank too.
The growth rate fell by almost half, from 6.2% to 3.3%. The Pakistani rupee has lost one-fifth
of its value against the dollar since the beginning of the current financial year. Inflation is
expected to hover around 12% in the next 12 months, which is expected to rise in the next 10
years.
Staff cost increased so it will compel to increase the salaries.
Social
The social environment includes family, friends, a person's character, and status. An
individual's life works directly according to the company and the individual according to his
company. The cultural environment includes principles, values, religion, ideas, and concepts.
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If we look at it from a religious point of view, interest is not allowed, which is why most
people are reluctant to invest their savings in banks and yet they do not know about Islamic
banking.
Traditional merchants do not like to do business with banks. They pay their creditors in cash,
not by check. They do not want to take bank facilities.
MCB has been influenced by social and cultural factors, Pakistanis are traditionalists who
dislike MCB's modern banking environment. Some consumers do not use ATMs, they still
prefer ATMs, such social and cultural factors affect the banking environment and its
functioning.
Nowadays lots of automobiles and other sector related companies going to or will be
investing in Pakistan which could be beneficial for MCB bank too
Technological/Technical
Technology has a profound effect on a wide variety of organizations, be it banks or charities.
MCB technology has a great impact on the working environment. Most banks use computers,
no bank manually stores data, so the bank must be in constant touch with modern ways of
doing things. MCB is always at the forefront of introducing new computer systems to keep its
staff up to date. The intranet plays an important role in improving staff knowledge. Because
of this technology, bank staff stays in touch with customers via email. This is possible only
with the help of ATMs and online banking technology. As such, technology plays a key role
and helps management improve its performance.
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CHAPTER 2 | WORKING
EXPERIENCE
Chapter 2 | Working Experience
Brief Explanation of my six weeks internship at MCB
I worked as an intern at MCB for six weeks as per the requirements of the university. During
my internship, the atmosphere inside MCB was very good and friendly. I learned a lot from
their management, such as how to work in a standard location.
On my first day in MCB, Mr ISHFAQ AHMED, Branch Manager, introduced me to all the
employees of the bank. After that I was handed over to Ma’am Heena Shahid, she is the
Branch Operations Manager, she was very responsible for my learning in the bank and then
after that CRM Ma’am Sumyya Zehri guided me about account opening processes, how to
pitch customers for investments, credit cards, calling for VDC and all the work related to
products and services sales because Branch manager and RM are relevant to the sales
department of Bank.
I worked under it for two weeks. After that, I moved on as General Banking officer which
Ma’am Farzeen Qaiser, as she was on vacation so her substitute Sir Muhammad Shahid
Qamar supervised me.
He was very helpful and friendly. He provided me with all the information I requested and
was very supportive.
And I got a chance to see audit officers work too and learnt from them about their work that
how to branch operations and performance is evaluated.
Then for next remaining weeks, I got an opportunity to work as CSO for a week because
Ma’am Tallat Hafeez went on vacation for 12 days and after that, last week I got through all
the routine works again and dealt with diverse nature, behavior, race and persona customers.
The most important benefit of an internship is that I got practical exposure from the
workplace. I have gained hands-on experience working in my field.
Learned the process of opening a personal account, issuing verified vouchers and issuing
cheque books, issuing and tracking ATM cards, learning about different types of ATM cards,
completing online and deposit slips, Visa Debit Card forms issued, filled cheques on
customers’ requests who didn't know how to write cheques, filled funds transfer
forms/Bankers Cheque or Call Deposit Receipts which are also known as Pay Orders. I have
also heard of authorized signatures. I also learned how to market a product in 1 minute. I
learned to use photostat machines and scanners.
During my internship, I dealt with many clients and it was a great learning experience:
 How to deal with customers.

 How to work under pressure, i.e., during peak hours.
 How to manage an office
 My communication skills have improved.
 My confidence level has increased.
Weekly Work Journals/ Log Book

Week 1
Department: General Banking
Supervisors: Sir Ishfaq Ahmed (BM) & Sir Shahid Qamar (GBO)
Date| 19 July, 2021

I've observed the environment of the office and the dressing
culture of the department
Had the introduction of the organization by Branch Manager
Sir Ishfaq Ahmed. Got introduced by other staff members to
this staff and knowledge of banking activities.
EID HOLIDAYS (only for 3 days)
Date| 23 July, 2021

Filling of deposit slips for cash
Filling slips for deposit cash
Filling of online transfer slip
Date| 26 July, 2021

Filling Funds Transfer Forms/ Pay Orders
Filling Cheques on customers Demand
Learnt about different types of stamps
Recorded Data of Cheque books and ATM cards on excel
sheets
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Week 2
Department: Sales/Customers relation and Operations
Supervisor: Ma’am Heena Shahid (BOM) & Ma’am Sumiyya Zehri (CRM/RM)
Date| 27 July, 2021 | Tue

Account opening for understanding
Date| 28 July, 2021 | Wed

First Make practices in the account opening department seeing the process
then step by step guidance under supervision.
During my work in the account opening service, I opened 3 individual
accounts under supervision of Ma'am Sumyya. Fill out their account form
and KYC form.
Date | 29 july, 2021 | Thu
I learned how to issue chequebooks and ATM cards by seeing the process,
its not that difficult, the process is so simple.
How to fill AOF and its particulars and Deposits Slips and online slip
filling
Understanding of daily activities of the branch and repeat all work
Real-time deal with the customer who came for account opening purpose
Helped the account opening officer (CRM/RM) with the account opening
and other verifications
Date | 30th July, 2021 | Fri

Supervisor assigned me tasks to perform on Excel and, I created excel
sheets using CountIf formulas.
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Week 3
Supervisor: Sir, Shahid Qamar (As GBO)
Date | August 2, 2021 | Mon

Discover the basics of clearing departments in general banking.
INWARD CLEARINGS
OUTWARD CLEARINGS
Date | August 3, 2021 | Tues

Get to know about the entire external customs clearance section.
Date | August 4, 2021 | Wed

Learn about inward clearing.
Date August 5, 2021 | Thu

I collected cheques for the clearing from a supervisor.
Issued the deposit slips to clients/customers.
Date August 6, 2021 | Fri

Gets knowledge of long-distance/intercity and same day customs clearance
Last day, overall work in clearing service.
Customer cheques received.
Understands the return of cheques from NIFT which had some instrumental
issues like signatures doesn't match, overwriting, insufficient balance in account
holders cheques.
Recording of various types of customer information such as name, date, address,
bank name, and the name of drawee in the clearing register
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Week 4
Department: General Banking (Remittance section and Funds transfer)
Supervisors: Ma’am Heena Shahid and Sir Shahid Qamar

Learned different activities in remittances department.
Date | August 10, 2021 | Tue

Learned about Funds Transfer
Use of Traveler cheque in banks.
Date | August 11, 2021 | Wed
After two days of learning about the procedure of Pay Order/ Bankers
Cheque & Call Deposit Receipts, I understand & get the complete
knowledge about Pay Order.
Date | 12 August, 2021 | Thu
Understand the process of make of Pay Order & issue of Pay Order
And if any mistakes done on Pay Order it can be fixed by writing on
it and get the sign of BM for supervision, and if something gone
wrong then for reverse process, first it needs to be void and then
recreated as new.
Date | 13 August, 2021 | Fri
Learn the process of the making of CDR making, which exactly
similar to Pay order, the only difference is that Pay order credit
transfer with charges and no balance shown after that keeping backup
track isn’t easy of it but CDR which is MCB own product and form
of Pay Order and its far better than P.O because both parties (sender
and receiver) details written on it.
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Week 5
Department: CSO (GB dept) & Cash Dept
Supervisor: Sir Sajjad (TSO), Sir Zeeshan (TSS), Sir Zeeshan Noor (TSO)

Work closely for a day with the Treasury Department
Supervisor to understand the work procedures of it
Date | August 17, 2021 | Tue
Learn how to verify a cheque.
Assisted in the collection department, filling out deposit slips
and, at the end of the day, assisting the supervisor with the
cash balancing and closing procedure.
Ashura Holidays
Date | 20th August, 2021 | Friday

Utility bills
Assisted in collection of utility bills and invoice data records in
the scrolling book.
For a few days, I also performed and handled CSO duties too,
because CSO was on vacation, so I did CSO activities along
with other activities. Attend calls, receive inquiries and call
customers in all cases.
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Week 6
Supervisors: Sir Zeeshan, Zeeshan Noor, Sir Shahid Qamar, Ma’am Tallat Hafeez and
Ma’am Heena Shahid
Date | 23 August, 2021 | Monday

Get to know the ATM.
Terms and Conditions at ATMs.
Date | 24 August, 2021 | Tuesday
Filling the forms for Debit cards/ATMs.
Issued the ATM cards to customers after fulfilling the required
conditions.
Date | 25 August, 2021 | Wednesday

Helping customers activate their ATMs.
Receive and register customer complaints regarding ATMs.
Date | 26 August, 2021 | Thursday
Learn the operating procedure of lockers provided by MCB.
Date | 27 August, 2021 | Friday

Account opening and final studies internship in the cash
department.
Final exercise in clearance and department of remittance.
Date | 30th August, 2021 | Monday

On the last day I worked in almost all departments and shared
my work experience with the staff.
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First Week
In the first week of my internship, I work with a general banking officer. GBO explained me
about the general concept of banking. He gave me a brief overview of the deposit slip and
many of the applications and vouchers used in the bank. GBO also taught me about the
different controls and their functions.
Second week:
I work with the account opening service in the second week. Here, I learned about opening of
different types of accounts. What elements/essentials needed and were taken into account
when opening the account? How to close accounts and issue cheque books and much more.
Third week:
During the third week, I worked in the Clearing section of General Banking Dept Section. I
learned various things like internal/Inward and external/outward cleaning. I also learn how to
fill clearing entrances. I also receive cheques from customers to fill them, and worked as
CSO too along with other activities till the 5th week.
Fourth week:
Fourth week, I work with the Remittance Department under and also, I learned about that
how to make PO and CDR.
Fifth week:
In the fifth week, I work Treasury Department as assistant. I work with both remittance and
payment dept. Collected customer cheques and collect utility bills from customers.
Sixth week:
Last week I worked in the ATM department. Learn the complete ATM procedure. Learn how
to locker. Finally, I work with all departments (General Banking, Clearing, Remittances,
ATMs and Cash).
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MCB Departments Details along with their Operations Detail:

Week 1, 19th July to 26th of July, 2021
Supervisor: Sir Shahid Qamar and Ma’am Tallat Hafeez
Details of my Activities of 1st week
During my first day of internship, I met all the staff of the bank. The first week of my
internship is in the General Banking Department. The first day I got to know about banking
sector and its functions, what is the banking sector? What is the main function of banks and
what is the basic information about the bank as a whole? The other day, I learn about the
deposit slips that is part of a bank and this department, here a bank employee takes care of the
customers. The customer deposits his savings in the bank for many purposes. I learn the
whole process of deposit slips and many other bank vouchers. I learn a variety of applications
from my supervisor, e.g., Fund transfer request and, MCB Bank offers the fastest way to
transfer money to another location. I personally observe this thing in the bank. I learned about
different types of bank checks from my supervisor. The bank collects different types of
checks from customers who have different functions. I learned about the various stamps used
in the general banking service. This stamp is used to complete deposit slips and fund transfer
requests. On the last day of the first week, I learn how to fill out these slips, such as deposit
slips and fund transfer applications. My supervisor Sir Shahid Qamar fills out a slip so that I
can understand that I have filled all the bank slips for him and CSO Ma’am Tallat throughout
the day.
Here is some important information My Supervisor gave me:
 In filling the check. If there is any cut or overwriting in the slip, then it is necessary to
get the signature of the customer at the place where the cut was made.
 The amount is written should be the same in words and numbers.
 In the case of customers who do not have a bank account, a copy of CNIC is required
to fill up the deposit slip.
Online transaction method through Deposit Slips (along with cheques or cash deposit:
 These are the requirements for completing an online transaction.
 Sender's CNIC number.
 Beneficiary Account Number
 Beneficiary branch name and branch code.
 Money transfer amount in words and numbers.
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 Signature of the customer transferring money online

 Transfer purpose or online.
Week 2, 27th July to 31st July, 2021

Department: Account Opening
Supervisor: Ma’am Sumiyya Zehri
Details of my activities of 2nd Week
In the second week of my internship at MCB, I work with the same supervisor Ma’am
Sumiyya Zehri. In this department, I got to know or understands about the account opening
process. My supervisor guides me through different types of bank accounts. She tells me
about different types of accounts, such as individual accounts. Single-ownership account,
partnership account, company-level account, etc. My supervisor also tells me some important
points to keep in mind when filling out the
account form. This week I understood the whole
process before working in this field. I opened 3
individual accounts under the supervision and
guidance, collected customer data and then
completed their account opening form.
Account Opening Department is the department

that deals in opening a new account or verifying
account. In this department, I learned that how to
open an account by filling up an account
opening form in this department as per the order
of the State Bank of Pakistan and NIC. A copy
of the card was also attached and verified by
NADRA (Bioveirsys/Biometric).
So, the first step is to open an account and my

job in the department is to open a new account
for a valuable client. I have learned that a lot of documents are used to open a new account.
There are several types of accounts that MCB Bank offers to its customers, among them:
 Asaan account
 One current account
 Current account,
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 Smart Savings Account,

 (PLS) income statement,
 BBA (Basic Bank Account),
 KBA (Happiness/kushaali Savings Account)
They have different characteristics of the customer that will benefit

him. To open an account it requires min 1000 rupees for it . The
following is the document used to open a new account.
 Account opening form.

 Name of the person requesting to open a new account.
 Account type.
 Computerized copy of National Identity Card.
 Check the expiration date.
 Complete the opening form.
 The person's signature.
 SS card (sample signature card)
 Mother's name
 father's name.
 current address
 permanent address
 KYC Foam (Know Your Customer)
 KIN requires CNIC.
 Entering Data on Rosseta Software
 Back office at MCB House, approval needed
 Sends Email of it for approval
The most important thing in opening an account is to sign the SS card

because we do not want the customer to withdraw money either the real
customer or not, and the second step in this form is the KYC form, we
collect all confidential information. And mother's name, business income, e-
mail address, mailing address and content number, proof of their income
source like if someone is doing job, their salary letter head from company,
where they’re employed. The last one KIN required CNIC is for people who belong to the
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client such as father, mother, brother, sister, no friend or other people in it need NIC only for
those who are related to bloodline.
How ATM/Debit cards and cheque books being issued

The bank gives the cheque book to the customer. The bank employee/ officer takes the
signature from the customer and then issues the chequebook. The second time, the cheque
book is issued when the user fills in the sheet attached to the existing cheque book. The bank
employee/officer requests a new cheque book online, and after 4 to 5 days the chequebook is
received at the branch then we call the customers individually to let them know that they can
collect their chequebooks, and its data is recorded on a sheet of Excel and everyday balance
and register them on the sheet and after 60 days shredded the cheque book depending on the
situation.
The cheque book has 25, 50, 100 sheets. The bank enters the cheque book issuance entry in
the register where it enters the customer's name, account number, start and end cheque book
sheet number and finally the bank employee/officer takes the customer's signature.
Week 3, 2nd August to 6th of August, 2021

Department: Clearing Department
Supervisor: Sir Shahid Qamar (As GBO)
Details of Department and my activities 3rd week
MCB provides many services to the customer. In the third department, I work with the
Compensation Department and my supervisor Sir Shahid Qamar, he guided me about the
clearing department, and daily in the morning first we do clearings of previous day received
cheques. There are two types of payments that are made in banks. One is inward clearance
and the other is outward clearance. Banks receive customer checques that are drawn on other
banks. Customers who are not in the city also benefit from this facility.
Clearing is a facility provided by banks to transfer funds to customers. Here I explain clearing
with an example. A MCB client receive a cheque from a person who is a client of another
bank. Present this check to MCB. The bank put the process on this checque and this example
is also for outward clearing. Now, I define two types of compensation:
 The Outward Clearing

 The Inward Clearing
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The Outward Clearing details:

The first type of clearing is outward. In return, MCB Bank has checques from other banks.
and the General Branch/banking Officer works there, checks cheques from other banks and
puts them in the NIFT (A centralized Unit) section. NIFT receives cheques from banks and
transfers the checques to the original branch. The bank in which the cheque exists records the
entry in its ledger and when the bank checks the next day or three days later, the branch
presenting the cheque credits the customer's accounts with the amount entered in the check.
This means an increase in the customer's account and if the cheque is made by the bank and
the cheque is rejected by the bank then the bank does not credit the customer's account.
The following details are essentials and entered:
 Serial Number.
 Account number of the collector/depositor
 Collector/depositor name
 Cheque number
 Cheque the amount.
 Cross stamp in front of the cheque.
 And the seal of compensation.
 And the stamp will be credited to the back of the cheque beneficiary's account.
The Inward clearing details:

The second type of clearing is inward clearing in which the bank receives a cheque from
NIFT. These are cheques that are cheques of this branch and show to another branch and
receive these checques for verification. The collection branch where the cheques are verified;
verifies various things before the cheque is verified, such as whether the person has money in
the account or not. If there is money, the bank employee/officer checks the cheque and
transfers it after the next day or three days of INTERCITY clearing and debits the customer's
account, which means the money is deducted from the customer's account. The next branch
receives the cheque and the branch credits the customer's account. If the bank has its own
cheque and clears the cheque after verification but then if the cheque is canceled for any
reason, the bank re-credits the customer's account as no money is deducted from the next
branch. Debit and credit are recorded in debit and credit vouchers. Credit vouchers are yellow
and debit vouchers are pink. The arrival transaction is also recorded in the arrival register.
Intercity and same day clearing service done by MCB at NIFT.
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Types of cheques collection:

Cheque Transfer Delivery:
Control where two branches are involved but both branches are under the same name as
MCB. One branch collected and the other paid the cheque.
Cheque clearings:
Clearing cheques are made at banks in the same city or region. These zones exist in the local
zone according to the NIFT distribution.
Cheques Collections or collection cheques (CC):

CCs are drawn at the same branch or at other banks, but these banks are not in the area. A
bank is divided into long distance distribution.
Week 4, 9th August to 13th of August, 2021

Department: GENERAL BANKING (SECTION OF RMITTANCE)
Supervisor: Sir Shahid Qamar and Ma’am Tallat Hafeez
In the fourth week, I work with the remittance department. My supervisors were Sir Shahid
Qamar and Ma’am Tallat but I learnt from Sir Ishfaq and Ma’am Heena; who is Branch
Manager and Branch Operations, Manager. In this department, I learnt about two types of
Remittances/ Funds Transfer and, it’s a facility in which the bank transfers money from the
customer to within the country like local transactions and abroad too, and charges a fee for
the provision of this facility only for Pay Order, not the CDR (call deposit Receipts), Within
the country, the customers usually ask to make this for their purchase property, car payments,
loan transfer, instalment payments etc. and it’s easy to carry because you don’t need to carry
that much cash for a huge deal like property payment and, if a deal is not completed then the
customer can as for Pay Order cancellation and revert the money to his account by filling stop
form of CDR/Pay Order cancellation, There are two types of remittances:
Inward payment/remittance:
The first type of payment of remittance is an inward payment in which the bank receives
from the customer to transfer money.
Outward payment/remittance:
The second type of remittance is outward remittance in which the bank issues the payment to
the client on behalf of another person.
50
The way of Payments/Remittances

The first way is Pay Order which
contains extra charges, around Rs.
800 and another is Call Deposit
Receipts, which charge nothing,
both are similar, but CDR shows the
Senders and Receivers names and
their details on the instrument but
Pay Order doesn’t have this option,
for making this customer had to fill
the fund's transfer form with a
cheque and fill the details on the
form and there are 2 options on form
one is Bankers Cheque/Pay Order
and another is Call Deposit receipts,
after filling the form and instrument
making, for authorization, BM and
BOM signatures and stamps required for approval.
Week 5, 16th of August to 20th of August

Department: CASH and General Banking Department (section CSO)
Supervisors: Sir Sajjad, Sir Zeeshan, Zeeshan Noor and Ma’am Heena Shahid
My activities Details of this Week
In the 5th week, I work with the Treasury Department. I learn a lot about cash in this field. I
collect customer invoices, make cash payments, and receive customer payments.
The following books are prepared in the Finance Department.
 CASH book in hand.

 State Bank of Pakistan Cash Book.
 Scroll book
51
In the cash register, users deposit money into the account. Customers fill in the deposit slip
and confirm with the bank employee/officer then present the deposit slip at the counter. The
cashier again confirmed that he had received the money and transferred it to the account.
When a person wants to receive money from a bank, he writes a check and draws it at the
bank. The BOM bank checks and signs the check that the cheque is then transferred to the
cashier, who also confirms the cheques and then pays the amount to the customer.
The money is safe in the bank locker and all the daily procedures are done. Record entries in
books and match the amount based on the record data.
"Cash at cash cash

cash at the
the
beginning + received
during the - payment
during the = end of the
day"
of the day day year
The Treasury Department is the most dangerous department. The work of an accountant is
also so difficult because the change in the entry of one rupee there becomes an illegal job and
the accountant goes under observation. The Treasury Department is in danger and the
manager was not allowed to enter the department without the permission of the Treasury
agents. The management of the bank takes many precautions such as grilling the entire space
of the cash department, cameras are placed inside the department, a guard is assigned to the
security of the cash department.
Collection of Utility Bills:

MCB also receives customer receipts from companies for this invoice. The bank receives a
commission on receipt of the invoice amount. Cashiers do their duty by receiving receipts.
52
Worked as CSO along with other activities

For a few days, I also performed and handled CSO duties too, because CSO was on vacation,
so I did CSO activities along with other activities. Attend calls, receive inquiries and call
customers in all cases.
53
Week 6, 23rd August to 30th August, 2021

Department: The General Banking and ATM
Supervisors: Ma’am Heena Shahid and Sir Shahid Qamar
In the last week of my internship, I work with the General Banking Department and here I
work in the ATM Department. I learn a lot about the whole process of issuing ATMs and
details about the ATMs. Banks deposit money at ATMs at 12:00. And records the ATM
money transaction. On the last day, I work with all departments to re-understand the work of
all departments.
ATM card:
 Banks offer this facility to customers who have bank account. This is the procedure
for issuing ATM through a bank.
 The customer completes the ATM issuance form. Provides information to the
customer bank that requests the form.
 This form is verified by the General Banking Officer and after verification, the data in
this form is sent to the Ministry of Karachi working there.
 When banks receive the DAK of ATM cards from their head office of Karachi cards
department, they send it to the customer at the address listed on the form, only when it
doesn’t receive at home address of customers otherwise it directly delivers to
customers through 3rd party dak delivery company and currently MCB is working
with Leopards DAK delivery company for this service facility.
 When the customer receives the card, he calls the bank's helpline to register the card
and receive the password number he wants.
 When the card is registered, it becomes usable by the user.
Lockers operating at MCB:

MCB also provides a locker facility to customers.
MCB provides customers with different types of lockers, such as small size lockers, medium
size lockers, large size lockers, locker fees. The locker is opened with two keys. One key is in
the custody of the customer and the other is in the custody of the bank.
54
How to use the locker:

When the customer wants to use the locker, he goes to the bank with the locker key and
meets the manager. It records customer usage of lockers. First, the manager puts the key in
the locker, then the customer attaches the key to the locker, then the locker opens.
Tasks assigned to me:

I have assigned various tasks during my internship which are given below.
Issuance of the deposit slip to customers:
In the clearing service, I issue deposit slips to clients.
Complete online fund transfer requests:
There are a lot of online transactions in a day, so I completed online applications.
Account opening:
The bank was opening three to five accounts a day, so there is a long-form that many people
do not fill out themselves. I complete the account opening form and sign it through the
supervisor.
Voucher:
I made debit and credit vouchers in one day. Debit to charge the account holder commission
and credit for transferring any income to the account holder's account.
Issuance of cheque book:

I also deliver the cheque book to the client. The first cheque book was issued after the
approval of the supervisor. Banks send thank-you notes to new account holders and when the
customer brings a thank-you note, I record the data in the cheque books, such as names. Get
the sheet, cheque book number and user signature.
Record entries in the register of Clearings:

I work with a clearing service that I make daily clearing entries (incoming/inward and
outgoing/outward). My supervisor checks the cheque which is in O/W clearing and then I
record the data from the O/W clearing cheque in the O/W clearing register. In the register, the
name of the other bank, the name of the draw, the amount, the date is written and at the end,
the total amount of output is written and then matches the original cheque which my
supervisor makes at the end.
55
The same thing applies to clearing the entrance. When the MCB receives its bank cheque and
then records the data, the customer's account is debited for the amount that is entered in the
collection cheque.
Collection of Utility Bills:

I receive utility bills from customers. Take consumer money and deduct money from
invoices. A copy of the client is given to the client and an office copy is kept with him for
later recording. Enter the invoice from time to time while receiving the invoice and finally,
all the data is recorded and corresponds to the original entries. I have maintained an invoice
scroll book as an assistant to the supervisor.
56
CHAPTER 3
CHAPTER 3
A Brief SUMMARY of my overall Learning

I did my internship at MCB Bank Faisal town, Lahore Branch 1403. Internships allow me to
improve my skills. MCB is a reputed bank in Pakistan and I am fortunate to work with a
high-level banking organization. The whole supervisor of the bank is very capable.
At first, I was shy and felt like alien to the place and nervous about working with staff
because I never had experienced this way before and being an introverted person, it was kind
of mammoth challenge because understanding the banking system in a practical field for the
first time, but as the day passes, I get adaptive to environment and broke my comfort zone
walls to get involved the functions of this environment and to do this my supervisors helped
and trained me very well. I have learnt a lot of skills at MCB that will be helping me
throughout my future career and practice ahead. I also learn how to manage the workload at
the bank. My supervisor demands a lot of work from me and I have tried my best to do,
although I’m a slow learner once I get it, I make it better than ever because I’ve persona of
consciousness and openness to experience, and it was quite painstaking for me because I was
doing practical for the first time but well because these were my responsibilities so I had to
do with full enthusiast. I observe many things while doing an internship at MCB, the
internship also affects my future career plans and it helps to combine my knowledge with
practical work in the field.
The Skills Learnt at MCB

I learn many skills in this internship. My supervisors were very helpful. They all give me as
much time as they can in their busy time and try their best to give me a lot of skills in the
practical field. The following are the skills I learn at MCB.
 Interpersonal skills
 Dealing with the client.
 Emotional Intelligence/ Manage difficult times at the bank.
 Problem solving
 Public speaking
Understand that the overall system that is adopted in banks is expected to record
computerized data.
57
 I have a lot of good habits after the internship.

 My management becomes stronger and more time-bound over time.
 I make very thoughtful decisions to improve my decision-making ability.
 One of the great things about my personality is that I feel like I have become a
professional and I am trying to adopt this attitude in my normal life.
The Responsibilities Learnt at MCB:

During my internship at MCB, I took on many responsibilities. Working in all departments
all the time, I barely try to get my supervisor to do too much work for me. These
responsibilities enhance my skills and abilities. I like the workload of banking in all
departments. I work with every department like general banking, clearing and remittance
department, finance department etc.
 During my internship, I take on many responsibilities. These responsibilities are set

out below:
 Fill in different types of checks.
 Completing an online application, also called a fund transfer application.
 Completion of deposit slips.
 I am responsible for recording I/W and O/W clearances in the register daily and have
trained myself very well in this work.
 I was responsible for calculating the amount of the invoice on the day I scroll book of
bills paid by customers as assisting the supervisor.
 Registration of cheque book issuance and issuance of automatic teller machines
cards/ATMs in the register.
 I take responsibility and my General Banking Supervisor has given me the task of
filling up the newly opened account form when a customer comes to open an account.
 I also work as CSO and a telephone operator in MCB Bank. I call the customer to get
the cheque book. I attend customer calls and listen to customer complaints.
 Working in all areas of the bank improves my knowledge and I learn a lot of new
things in the bank. I gained experience working with a bank. I understand a lot of
rules and regulations about the bank, their work, customer behavior, staff
relationships and much more. By working in a different field from me, everyone
contributes to the success of the organization. Fulfilling the responsibilities of each
staff member on time makes an organization more successful.
58
Influence on my future plan:

An internship that allows me to gain a lot of skills, improve my personality and provide the
right way to handle business activities there, gives me a lot of information about my future
career
Planning for your future is a paradoxical puzzle to solve. Many people usually fail to choose
the right career and this leads to failure in their life. Before my internship, I didn't have a
clear idea in my mind about a practical field like banking. But while doing an internship at
MCB Bank, my vague image comes to mind. My expectations in this area are often right, so
an internship within MCB Bank strongly influences my future career plan.
Link between Academic and practical reality

There is a lot of work and activity that I have done in MCB Bank. Before the internship, I
know the maximum business rules and many accounting standards for working on business. I
aligned my university knowledge several times during my internship. I agree very much that
what I learn in my university center is connected to the practical domain, but this is just one
aspect that I thought our knowledge in the practical domain is to apply this knowledge in the
practical field. Because we have no previous experience. Thanks to the internship, it came to
my mind that what we have learned in our study career is not useless / It is very important to
demonstrate competence in fieldwork.
My suggestions to institute and LBS Department

 The teaching method is more practical than theoretical. By doing so, students gain
maximum practical knowledge of business and IT. Students learn more easily from a
hands-on approach and this is lasting knowledge.
 In the industry you need skills for the job i.e., SAP / ERP, understanding digital
marketing tools and data science, communication software and techniques, speaking
skills audience, problem solving analysis, graphic design, content Writing, IT,
professionalism and a strong work ethic, etc. While the university program offers a
small number of merit-based courses, activities or workshops.
 In the professional life, you are yourself, you have to work to improve your rankings
and you will start setting goals to achieve your goals and find your aspirations.
59
Freedom in the sense of awareness, self-monitoring and self-improvement, but the

university had a collaborative atmosphere, students work in groups, and teachers are
always available to help and guide students.
 The office environment is very different from the university environment, due to the
practical implementation of different activities, the way to learn in the office is easier
and more interesting. Anyone can easily recognize their mistake or mistakes. Office
workers meet different people from different fields on a daily basis, which helps them
to gain more knowledge. At university, the number of activities is almost zero, so
students depend on what they learn from the lessons. Students lose interest in a
subject that keeps them busy because they do not know how to implement their
education.
 In the industry, you are only assigned specific tasks for a specific period of time.
While college is the stage in which you are constantly learning something new and
interesting with each coming semester.
 Hire better IT faculties too to introduce new department domains like of BBA-IT to
attract students towards IT as we are currently living in a transition period and most of
the things in the professional market Highly skilled IT and technical knowledge.
Skills. As BBA should not be associated with only 4 domains. Which is currently on
the roadmap so it should be diversified with IT, Tourism management, Textile
management, Hotel management combinations and it is a combination of business and
so all of them are equally important for the future of the sector but only a few teachers
from MIS which are related to the knowledge that teaches this course. In this way, by
hiring new teachers, their teachers are also raising the level of our department.
 In addition, hire more permanent professors in the department. Permanent professors
enhance the value of the department and the level of teaching, because the permanent
professors know the department and all the students well, so that they understand the
students better than the visiting professors. That is why there are more permanent
teachers.
 LBS needs to establish better relationships with companies as most students could not
find internships on their own and even if they do find out, they are not well-known
companies.
 LBS should have better relationships with its alumni so that they can help students in
their careers.
60
 It should encourage its students to participate in extracurricular activities such as

intra-university competitions.
61
Recommendations for MCB BANK Ltd
MCB employees are not satisfied as the management adopts various techniques to motivate the
employees as their employees are important factors of their organization.
Many people do not know about the products and services of the bank, so MCB should advertise its
products and adopt various marketing techniques in advertising the products and services so that
people can easily understand.
I recommend banks treat every customer equally, give the same protocol to every customer, whether
they have a large bank account or a small bank account.
MCB Bank has centralization, so it should change its organizational structure from centralization to
decentralization and introduce new cloud storage system insted of paper work for records.
Staff lacks organizational loyalty. Therefore, the management can only manage it by giving benefits to
every employee on an equal basis.
Promotion is based solely on seniority, not expertise/talent, so management should change its
promotion strategy theme.
Most remittances are sent to Pakistan through MCB Limited Bank. Most of this money is spent on
luxury items. People should be encouraged to save money by offering deposits through various
investment programs. This will be a profitable setup for the bank.
Most bank workers stay in one seat, so they become employed and lose their grip on other banking
operations.
On-the-job refresher courses are important in any international organization. All employees do these
courses according to their needs. Foreign experts can also be called in for this purpose.
Every year employees should be sent to other countries for training and employees from other branches
should be brought here.
Prompt delivery of financial products and services should guarantee customer satisfaction.
Rules, regulations and policies must be enforced at all costs.
Employees should be promoted based on their turn. The bank should spend more on promotional
activities.
The Bank should conduct a series of training programs to achieve its mission to develop human capital.
Management should treat subordinates very kindly and not harshly to motivate employees and increase
productivity and efficiency.
62
Conclusion
MCB is on track and could be a major player in the banking sector if bring change in its
working system by implementing cloud data storage system in its operations instead of old
fashioned paperwork which causes lots of paper and is difficult to handle and manage
although they are using ORACLE for the database it was only for few operations, which
could be implemented to branch level daily operations, and its management is committed to
implementing its strategy to achieve its goals, As MCB's strategy includes a steady increase
in business volume by providing a wide range of innovative financial products and solutions
to a growing customer base. However, this development is without compromising on the
quality of the credit portfolio for which there is a well-designed and transparent risk
management system, but there are still some areas for improvement and the bank should
adopt more promotional activities. The banking system as a whole is healthy, despite the
economic downturn. The MCB made sure to take advantage of all possible positive
opportunities and made significant profits while ensuring solid asset growth. MCB's profits
have increased significantly in the last few years and this trend is expected to continue. From
my results, I have given some suggestions and recommendations for the bank, if the bank
follows them, the bank will be more prosperous and will be on the path to success.
63
References
Documents from MCB Portal from Branch computers
Limited, M., 2020. https://www.mcb.com.pk/assets/documents/Annual-Report-2020.pdf.
Manual of MCB Branch Operations 2020, accessed through computers at branch
MCB Faisal town, Lahore 1403 Branch
MCB STAFF
Mcb.com.pk. 2021. MCB Pakistan. [online] Available at: < https://www.mcb.com.pk/ >
[Accessed 30 July 2021].
Contact Details
Registered Office: MCB House, 15 Main Gulberg, Jail Road, Lahore, Pakistan
E: info@mcb.com.pk www.mcb.com.pk
T: +92 42 36041998-9
U: +92 42 111 000 622
Branch Contact Details

Branch: Faisal Town, Lahore | 1403
926-B, Faisal Town, Lahore Pakistan
Dir: +924235201353
T: +924235163677
M: +923004696015
E: mcb1403@mcb.com.pk
Superiors
 Abdul Wahab, who invited me for internship at MCB and directed me to branch 1403.
 HR Associate O/S Services & Internships
 HR CO & DA Division| HRMG | MCB Bank Limited
 3rd Floor - MCB House, Lahore
 Landline/IPT: 042 3604 1266 | Mobile: 0322-4020232
64
___________________________________________________________________________
 Sir Ishfaq Ahmad

 Branch Manager and Assistant Vice President (AVP)
 M: +923004696015
 E: mcb1403@mcb.com.pk
 Ma’am Heena Shahid

 Branch Operations Manager
 E: ops1403@mcb.com.pk
 Ma’am Sumayya Zehri | Relationship Manager

 Retail Banking Group|MCB Bank Limited
 Faisal Town Branch Lahore (1403)
 Landline#: 042-35163677
65
Ma’am Farzeen Qaiser
General Banking Officer | MCB Bank Limited
Sir Shahid Qamar
As General Banking Officer and was TSO before
Sir Sajjad & Sir Zeeshan Noor
Teller Services Officer TSO
Sir Zeeshan
Teller Services Supervisor
Ma’am Tallat Hafeez
Customer Services officer (CSO
66

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Internship Report MCB Bank LTD 2021

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HAMZA KHALID 70072479

INTERNSHIP REPORT (2021) ON MCB BANK LTD

INTERNSHIP REPORT (2021) ON MCB BANK LTD

Muslim Commercial Bank (PVT) LTD.

BRANCH NAME: MCB FAISAL TOWN

BRANCH CODE: 1403

Internship report submitted in partial fulfillment

Of the requirements for the degree of

BACHELOR OF BUSINESS ADMINISTRATION

Ma’am Eza Rabab

Faculty of Management Sciences

Lahore Business School

INTERNSHIP REPORT (2021) ON MCB BANK LTD

INTERNSHIP REPORT (2021) ON MCB BANK LTD

INTERNSHIP REPORT (2021) ON MCB BANK LTD

Sincerely thanks to:

 Mr. Ishfaq Ahmad (Branch Manager)

INTERNSHIP REPORT (2021) ON MCB BANK LTD

Letter of Report Submission

Date August 31, 2021

Subject: Internship Report Submission

I would like to present/submit my report on the requirements of BBA program at Lahore

INTERNSHIP REPORT (2021) ON MCB BANK LTD

CHAPTER 1 is based on the introduction of MCB Bank which includes organizational

INTERNSHIP REPORT (2021) ON MCB BANK LTD

LETTER OF REPORT SUBMISSION...............................................................................................................5

MCB BANK PVT LTD........................................................................................................................................13

CORPORATE VALUES OF MCB BANK........................................................................................................17

VISION AND MISSION..................................................................................................................................17

MCB outperforming than his competitors 2019-till today...........................................................................20

PRODUCTS AND SERVICES PROVIDED BY MCB BANK LTD..............................................................21

MCB RETAIL BANKING.....................................................................................................................................21

INTERNSHIP REPORT (2021) ON MCB BANK LTD

MCB AGRI FINANCING PRODUCTS:..................................................................................................................23

ORGANIZATIONAL CHART OF MCB..........................................................................................................28

MCB FAISAL TOWN BRANCH (1403) HIERARCHY.................................................................................29

MCB FAISAL TOWN LAHORE BRANCH (1403) WORKING STRUCTURE:........................................30

BM (BRANCH MANAGER) (SALES DEPARTMENT) SIR. ISHFAQ AHMED...........................................................30

CHAPTER 2 | WORKING EXPERIENCE......................................................................................................37

BRIEF EXPLANATION OF MY SIX WEEKS INTERNSHIP AT MCB.........................................................................37

WEEKLY WORK JOURNALS/ LOG BOOK.................................................................................................38

INTERNSHIP REPORT (2021) ON MCB BANK LTD

MCB DEPARTMENTS DETAILS ALONG WITH THEIR OPERATIONS DETAIL:.............................45

WEEK 1, 19TH JULY TO 26TH OF JULY, 2021.......................................................................................................45

INTERNSHIP REPORT (2021) ON MCB BANK LTD

The Inward clearing details:........................................................................................................................49

A BRIEF SUMMARY OF MY OVERALL LEARNING................................................................................57

THE SKILLS LEARNT AT MCB.....................................................................................................................57

THE RESPONSIBILITIES LEARNT AT MCB:.............................................................................................58

INFLUENCE ON MY FUTURE PLAN:...........................................................................................................59

LINK BETWEEN ACADEMIC AND PRACTICAL REALITY...................................................................59

MY SUGGESTIONS TO INSTITUTE AND LBS DEPARTMENT................................................................................59

RECOMMENDATIONS FOR MCB BANK LTD...........................................................................................61

INTERNSHIP REPORT (2021) ON MCB BANK LTD

BRANCH CONTACT DETAILS..............................................................................................................................63

INTRODUCION TO ORGANIZATION AND

INTERNSHIP REPORT (2021) ON MCB BANK LTD

MCB BANK PVT LTD

INTERNSHIP REPORT (2021) ON MCB BANK LTD

INTERNSHIP REPORT (2021) ON MCB BANK LTD

 State Bank of Pakistan

• National Bank of Pakistan

• Muslim Commercial Bank Limited