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INTERNSHIP REPORTON
(The Bank of Punjab)Specialization in Finance
Submitted To
The ChairmanDepartment of Business Administration
Submitted By
Name: Munir Ahmed
ID : mc090206095
Session: 2009
2011
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DEPARTMENT OF BUSINESS ADMINISTRATION
Alif Laam Raa. A book which we have revealed to you (Muhammad)
So that you may lead the people from out of the dark nesses into the light
by their Lord's leave to the path of the All-Mighty, the Praiseworthy.(Qur'an 14:1)
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1. Dedication 8
2. Letter of Undertaking 9
3. Internship Letter 10
4. Acknowledgment 11
5. Preface 12
6. History of banking 13
6.1 Nationaliza tion Of Bank 14
6.2 Public Sector Commercial Bank 15 6.3
Local Private Bank 15
6.4 Foreign Bank 15
6.5 Special ized Bank 16
7. The bank of Punjab 17
7.1 Vision Statement 17
7.2 Mission Statement 17
7.3 Core Values 17
8. HISTORY OF BOP 18
9. Awards And Achievement 19
9.1 Excellence Award Of By the CBR 19
9.2 3rd
Kissan Time Award 199.3 Best Corporate Report Award 19
9.4 16 th Bolan Excellence Award 19
9.4 Achievement Award 19
10. Major customer of BOP 20
11. Punjab Government show faith on BOP 20
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12. Branch Network of BOP (Fig) 21
13. Hierarchical Flow 22
14. Board Of Director 23
15. The Bank Of Punjab Darya Khan 24
15.1 Departments 24
15.2 Business Volume 26
15.3 Duration Of Internship 26
15.4 Department Visited By Internee 26
16. General banking of the Punjab 27
17. Deposit Department 27
17.1 Nature Of Deposits 28
17.2 Current Deposit 28
17.3 Saving Deposit 28
17.4 Short Notice Term Deposits 29
17.5 Call Deposit 29
17.6 Term Deposit Receipt 29
18. Opening an Account 29
18.1 Account Opening Procedure 30
19. Clearing Department 31
19.1 Clearing 31
19.2 Outward Clearing 32
19.3 Inward Clearing 32
19.4 Reserves At State Bank 32
20. Remittance Department 33
20.1 Types of Remittance 33
21. Demand Draft 3321.1 Procedure 33
21.2 Parties Involved 34
22. Mail Transfer 34
22.1 Procedures 35
23. Telegraph Transfer 35
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23.1 Procedure 35
24. Pay Order 36
24.1 Procedure 36
25. Account Department 37
25.1 Manual Function of Account
Department 37
25.2 Types Of Vouchers 37
25.3 Cash Book 38
25.3 Maintaini ng and Updating Legers 38
25.4 Computerized Function of Account 38
Department 38
26. Bills Department 40
26.1 Outward Bil ls for Collection 40
26.2 Inward Bills for Collection 40
26.3 Outward Documentary Bills for
Collection 41
26.4 Inward Documentary Bills for Collection 41
27. Advance and Credit Department 41
27.1 Principles Of While Advancing 41
27.2 Forms of Lending 2
27.3 Running Finance 42
27.4 Demand Finance 43
27.5 Advances against Immovable Property 43
27.6 Agriculture Scheme 44
27.7 Business Promotion Scheme 45
28. Services 4528.1 Commercial Banking 45
28.2 Cooperate and Investment Banking 45
28.3 Cash Management Services 47
28.4 Uti l i ty Bil ls 47
28.5 Lockers 48
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28.6 ATM 48
28.7 Online Banking 48
28.8 Locker 48
28.9 Demand Draft 48
28.10 Letter Of Credit 49
28.11 Pay Order 49
28.12 Mail Transfer 49
29. Financial Analysis 50
29.1 Importance of Financial Analysis 50
30. Ratio Analysis for Last Three Year 51
30.1 Liquidity Ratio
30.2 Current Ratio
30.3 Acids-Test Ratio
30.4 Leverage Ratio 52
30.5 Debt to Equity 52
30.6 Debt to Asset 53
31. Activity Ratio 53
31.1 Receivable Turnover 54
31.2 Total Asset Turnover 54
32. Profitability Ratio 54
32.1 Net Profit Margin Ratio 55
32.2 Return on Asset Ratio 55
32.3 Return on Equity 55
33. Market Ratio 55
33.1 Earning Per Share 56
33.2 Other Financia l Ratio 5634. Horizontal Analysis for Balance Sheet 56
35. Vertical Analysis for Balance Sheet 57
36. Industry Analysis of BOP with Other Firms 58
37. Business Volume 59
37.1 Analytical Comments 60
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37.2 Trend Analysis Fig 61
37.3 Graphical Presentation 62
38. SWOT Analysis 63
38.1 Strength 64
38.2 Weakness 64
38.3 Opportunities 64
38.4 Threats 65
39. Pest Analysis 65
39.1 Political Factor 67
39.2 Economical Factor 69
39.3 Social Cultural Factor 70
39.4 Technological Factor 71
40. Suggestion for Removing Weakness 73
40.1 Internal Controls 73
40.2 Professional Training 73
40.3 Delegation Of Authority 73
40.4 Performance Appraisal 73
40.5 Transfer 74
40.6 Need Of Quali f ied Staff 74
40.7 Credit Card Facility 74
40.8 Decreased Administrati ve Expenses 74
40.9 Should Be Aggressive In Credit Policy 74
40.10 Technological Improvement 74
40.11 Staff Relationship 75
40.12 Favoritism And Nepotisms 75
40.13 Marketing Policy 7540.14 Avoiding Bad Debts 76
41. Recommendation for Student 76
41.1 Working in Different Department 76
41.2 Relationship between Theory 76
and Practice 76
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44. Conclusion 78
REFERANCES & SOURCES 79
45. Annexes 80
DADICATED TO
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OUR HOLLY PROPHET HAZRAT
MUHAMMAD (PBUH)
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ACKNOWLEDMENT
By the grace of almighty Allah, I have been able to compile my report. Without His help,
I cannot accomplish any objectives in our lives. The omnipotent Allah bestows this
ability, knowledge, strength and competence required for this report to me as boons.
Special acknowledgement for our respected Instructor Fin 619 in charge internship
program that provide this learning opportunity to complete our internship program and
have a great practical experience in the one of the most popular bank of Pakistan The
bank of Punjab .
I am really thankful to all the people who guide and help me for the completion of
internship program and to learn there and to make such report.
I am greatly thankful to all there for their guidance,
Mr. Javeed Hussain Khan Branch Manager
Mr. Anwar Yasir Operation Manager
For their corporation, guidance, information and the necessary records he provided me for the
training and preparation of this internship report.
Munir Ahmed
MBA Finance
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PREFACEThe Important principle of work almost exists in every professional field. Practical
knowledge makes man a technical person and enables him to do work promptly regarding
his profession. According to ROGER SACHEMit is costly wisdom that is bought by
experience
The very distinctive feature of the degree ofMBA is that it stress more on the practical
aspect of the study, and observe the software and working environment in which
organization doing work. How these software are helpful for organization or it is
compatible with their work, Are the employees satisfied and easy to operate these
software. Because we emphasize on these aspect and develop our capabilities in this
field. The main purpose is to have some practical knowledge and experience of business
especially.
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