...AN INTERNSHIP REPORT ON [pic] HABIB BANK LIMITED SUBMITTED TO Mr.nazik hussain SUBMITTED BY Beenish Ameer Roll #07 BBA(HONS) Morning SESSION 2009-2013 DEPARTMENT MANAGEMENT SCIENCES [pic] Islamia University Bahawalpur IN THE NAME OF ALLAH WHO IS THE MOST BENEFICENT THE MOST MERCIFUL PREFACE Internship is the one of the part of BBA programmed and this provide the practical knowledge of what students read about business in their books. The field of banking has always been a source of inspiration for me during my entire academic career. To work in a bank, to acquaint with its working mechanism was always a point of interest for me and God gave me a golden opportunity to complete my internship at HBL, one of the leading bank in Pakistan and well known in world due to its appearance in the international markets. I had a general idea about the banking, but once I practically started the internship in banking field I observed much about banking. To adjust myself in such a large commercial organization was not an easy task, but by the grace of Almighty Allah aids my internship in a befitting manner and I learned a lot about...
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...INTERNSHIP REPORT ON HABIB BANK LIMITED PAKISTAN SUBMITTED BY: MUHAMMAD IRFAN ALI LOGID: mc070402338 Phone# 0313-6747208 Mail address: syedirfanmw@yahoo.com & mc070402338@vu.edu.pk Address: Ward # 2 Mohala Chah Kurai MBA (FINANCE) 2007-09 SUPERVISED BY: MAHER AMEER MUHAMMAD DATE OF FINAL REPORT 10-04-2009 to 10-06-2009 NAME OF THE UNIVERSITY VIRTUAL UNIVERSITY OF PAKISTAN 1 2 3 4 5 6 7 DEDICATION Allah Almighty ( whose claim (to obedience) cannot be satisfied by those who attempt to do so”) & His Beloved People. 1 ACKNOWLEDGEMENT Thanks to ALLAH Almighty for giving me such a beautiful opportunity and enabling me to complete my project. Thanks to my loving parents and guardian who help me a lot at every phase of my life, encouraged me in the days of depression and sacrificed for my better future. I am very thankful to Mr. Maher Ameer Muhammad my supervisor, who has helped me a lot in finding an appropriate project and for his reviews, encouragement, and support. I am thankful to all of my teachers and my class fellows and friends whom Cheerfulness and guidance is an asset for me .I am especially...
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...University Department of Business Administration Faculty of Administrative Sciences University of Azad Jammu & Kashmir A Report submitted in partial Fulfillments of the Requirements For The Degree Of Bachelor In Business Administration EVOLUTION OF BANKING This history of banking is traced to as early as 2000 B.C. The priests in Greece Used to keep money and valuables of the people in temples. The origin of banking is also Traced to early goldsmiths. They used to keep strong safes for storing the money and Valuables of the people. The goldsmiths used to issue receipts for the money and other valuable assets deposited with them. These receipts could be used for settlement of Transactions because people had confidence in the integrity and solvency of goldsmiths. When it was found that these receipts were fully accepted in payment of debts; then the receipts were drawn in such a way that it entitled any holder to claim the specified amount of money from goldsmiths. A depositor who is to make the payments may now get the money in cash from goldsmiths or pay over the receipt to the creditor. These receipts were the earlier bank notes. The second stage in the development of banking thus was the issue of bank notes. BANKING IN PAKISTAN: I observed during my internship was that I came to known the historical background of Banking & Financial sector and its improvement and growth since...
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...Process of Habib Bank Limited by AYESHA HASSAN Habib Bank Limited HBL was the first commercial bank to be established in Pakistan in 1947. Over the years, HBL has grown its branch network and become the largest private sector bank with over 1,500 branches and 1,200 ATMs across the country and a customer base exceeding five million relationships. The Government of Pakistan privatized HBL in 2004 through which AKFED acquired 51% of the Bank's shareholding and management control. HBL is majority owned (51%) by the Aga Khan Fund for Economic Development, 42.5% of the shareholding is retained by the Government of Pakistan (GOP), whilst 7.5% is owned by the general public i.e. over 170,000 shareholders following the public listing that took place in July 2007. With presence in 25 countries, subsidiaries in Hong Kong and the UK, affiliates in Nepal, Kenya and Kyrgyzstan and rep offices in Iran and China, HBL is also the largest domestic multinational. The Bank is expanding its presence in principal international markets including the UK, UAE, South and Central Asia, Africa and the Far East. Key areas of operations encompass product offerings and services in Retail and Consumer Banking. HBL has the largest Corporate Banking portfolio in the country with an active Investment Banking arm. SME and Agriculture lending programs and banking services are offered in urban and rural centers. Rating HBL is currently rated AAA (Long term) and A-1+ (Short term) with 'Stable' outlook...
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...professional courses. BBA is four years international standard program consisting of eight semesters along with internship program. Thus, BBA program is a blend of theoretical and practical knowledge on the financial sector enabling the students in understanding business environment and solving practical business problems. It also aims to develop creative, socially responsible and skilled professionals who are able to carry out the responsibility of middle level managerial positions in the rapidly growing business sector in Nepal as well as abroad. Theoretical knowledge is not sufficient in this competitive and complex business world. Thus, in the eight semester of BBA program, student is required to work in financial institution for at-least eight weeks, where they can experience real situations of work environment in the organization. It also helps in understanding organizational environment and work culture. Internship program enables in acquiring skills and techniques by experiencing practical work situations directly applicable to develop career on financial sectors. It may also create the opportunities for placements in the same host organization or other organizations. 1.2 Objective of Report After the completion of internship program, it is required to prepare the report to be acquainted with what the student have learnt in the host organization over the internship period. It helps to share the experience of student along with problem faced by them. The main objective of...
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... THE MOST MERCIFUL, THE MOST BENIFICIENT DECLARATION Internship report submitted to the Department of Management Sciences, Lahore College for Women University, Lahore in partial fulfillment of the requirement for the degree of B.com DEDICATION I dedicate this internship report to my parents and teachers without their help and guidance I would not have been possible to complete this report. ACKNOWLEDGEMENT This report could not have been complete without the passion I had given by Allah and does not require any thanks on paper, as He knows all I have to say……….. “Praise to Allah, lord of the world, most beneficent, lord of the Day of judgment, we only we worship, and the only we asked for help, show us the straight path, the path of those whom thou hast favored. Not the path of those who earn thin wrath nor of those who go astray” Table of Content Content Page No Chapter 1 Executive Summary Historical Background Economic Landscape Vision Statement Mission Statement Vales Culture Goals Objectives Future Outlooks Chapter 2 Organizational Structure (Organizational Chart) Managing Directors OF HBL Board of directors Board committees Corporate Profile Domestic Branch Network International...
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...INTERNSHIP REPORT ON HABIB BANK LIMITED PAKISTAN SUBMITTED BY: MUHAMMAD IRFAN ALI LOGID: mc070402338 Phone# 0313-6747208 Mail address: syedirfanmw@yahoo.com & mc070402338@vu.edu.pk Address: Ward # 2 Mohala Chah Kurai MBA (FINANCE) 2007-09 SUPERVISED BY: MAHER AMEER MUHAMMAD DATE OF FINAL REPORT 10-04-2009 to 10-06-2009 NAME OF THE UNIVERSITY VIRTUAL UNIVERSITY OF PAKISTAN 1 2 3 4 5 6 7 DEDICATION Allah Almighty ( whose claim (to obedience) cannot be satisfied by those who attempt to do so”) & His Beloved People. 1 ACKNOWLEDGEMENT Thanks to ALLAH Almighty for giving me such a beautiful opportunity and enabling me to complete my project. Thanks to my loving parents and guardian who help me a lot at every phase of my life, encouraged me in the days of depression and sacrificed for my better future. I am very thankful to Mr. Maher Ameer Muhammad my supervisor, who has helped me a lot in finding an appropriate project and for his reviews, encouragement, and support. I am thankful to all of my teachers and my class fellows and friends whom Cheerfulness and guidance is an asset for me .I am especially...
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...[pic] MANAGEMENT PROJECT PRESENTED To: Miss.Shumila Gul PRESENTED BY: Amna Zafar F07B055 INSTITUTE OF BUSINESS AND INFORMATION TECHNOLOGY Table of Contents Introduction 4 ▪ History ▪ Background ▪ Present status ▪ Privatization ▪ Economic landscape ▪ Financial highlights Organization’s profile 8 Branch network Vision Mission Hierarchy Chart 13 Managerial function 14 ▪ Planning ▪ Organizing ▪ Leading ▪ Controlling SWOT Analysis 15 Decision Making and Policy Making 16 ▪ Centralized ▪ Decentralized ▪ Decision Making Process ▪ Mangers Decisions Management Styles and Policies 18 ▪ Collective Participation in Decision-Making ▪ Employee Participation ▪ Delegation of Power ▪ Control Function Organization Structure and Design 19 Omnipotent or Symbolic View of management 21 Culture of the organization 21 ▪ Dimensions of Organizational Culture ▪ The Source of Culture ▪ How Employees learn culture ▪ Innovative culture ▪ Customer-responsive culture ▪ Focus on individual development ▪ Trust and openness ▪ Employee’s Empowerment ▪ Toleration of Employees Expression The Environment ...
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...TABLE OF CONTENTS 1. Introduction………………………………………………………………. 01 2. Objective of Studying the Organization…………………………………. 06 3. Overview of Organization……………………………………………….. 07 1. HBL History………………………………………………………… 08 2. Nature of Organization……………………………………………… 09 3. Business Volume……………………………………………………. 10 4. Profile of Employees……………………………………………….. 12 5. Product Lines……………………………………………………….. 15 4. Organizational Structure of HBL……………………………………. 23 1. Main Offices……………………………………………………….... 24 2. Marketing Operations……………………………………………….. 26 5. Structure of the Marketing Department………………………………….. 27 1. No of Employees Working In Marketing Department………………. 28 2. Marketing Strategy…………………………………………………… 31 6. Function Of Marketing Department……………………………………… 33 1. Product Planning, Development & Management……………………. 34 2. Pricing Strategy………………………………………………………… 37 3. Distribution Strategy…………………………………………………. 39 4. Promotion Strategy…………………………………………………… 40 7. Critical analysis of the theoretical concepts……………………………… 42 8. Success and Failure of Different Product ……………………………….. 43 9. Major Competitors of the Organization …………………………………. 43 10. Future Prospective Of the Organization…………………………………… 44 11. Critical Analysis of The Management Patron Reference To Market Operation, Weakness…………………………………………………… 45 12. Conclusion/Recommendation…………………………………………….. 46 13. Reference & Source Used………………………………………………….. 47 1. Introduction ...
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...Internship Report On Loan Processing, Credit Appraisal, Follow-Up &Recovery Procedure of IFIC Bank Limited Internship Report On Loan Processing, Credit Appraisal, Follow–up & Recovery Procedure Of IFIC Bank Limited Prepared For: Mohammad Tanvi Newaz Assistant Professor, BRAC Business School BRAC University Prepared By Nafisa Marzan ID: 10304087 BRAC Business School Major in HRM & Finance BBA (Summer 2014) Date of Submission: 10September, 2014 Letter of Transmittal Date: 18th September, 2014 Mohammad Tanvi Newaz Assistant Professor, and Coordinator, MBA Program BRAC Business School BRAC University Subject: Submission of Internship Report on “Loan Processing, Credit Appraisal, Follow – up& Recovery Procedure of IFIC Bank Limited”. Dear Sir, With due respect and humble submission, I like to state that I have completed my Internship report on “Loan Processing, Credit Appraisal & follow-up Recovery Procedure of IFIC Bank Limited”. The internship program has given me the opportunity to learn about different aspects of this well reputed organization. Before facing the corporate world, I have gathered general idea about the organization culture and activities. Without sincere cooperation and proper guidance of you it was not possible for me to prepare this report. For this act of kindness, I am grateful to you. I have tried my best to make this report as informative, practical, reliable and relevant as Possible. In preparation of this...
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...Internship Report ON GENERAL BANKING AND MANAGEMENT INFORMATION SYSTEM (A STUDY ON UNITED COMMERCIAL BANK LIMITED) Course Code: BAN- 400 Course Title: Internship & Viva Prepared To: Md. Abdul Hamid Lecturer Businesss administration department Shahjalal University of Science & Technology, Sylhet. Prepared by: Md. Hedaitul Kabir BBA (Marketing) 4th Batch Reg No-2001731012 Date of submission: 06/11/2007 Shahjalal University of Science & Technology, Sylhet-3114 LETTER OF AUTHORIZATION This is certify that, this internship report on General banking and management information system a study on United Commercial Bank Ltd .Has been prepared by Md Hedaitul Kabir, reg no- 2001731012, Business administration department , 4th batch, sincerely and under my close supervision. I wish his all progress and success. Md. Abdul Hamid Lecturer Business administration department Shahjalal University of Science and Technology ...
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...INTERNSHIP REPORT ON MCB BANK LIMITED PREPARED BY FAIZA IQBAL BBA (HONS) MORNING DEPARTMENT OF MANAGEMENT SCIENCES Internship Report|2011| || Practice makes a man perfect. Theoretical knowledge is not enough on its own. It is useful when implemented. That’s why it is necessary for completion of BBA program to do practical work. Internship program is also held in every management institution to support the same purpose. Banking plays very important role in the development of commerce and economic fields of a country. As banks are using different modern and up to date technologies in order to perform well and influence different managerial activities, it is a better option for business students to get internship experience in banks. I did five weeks internship in MCB BANK Model Town Branch, Bahawalpur. During this time I visited different departments and was thoroughly briefed about the procedures and working by friendly senior staff of there. In preparation of this Report I have tried my best to provide all possible information about the operations, functions and tasks of MCB in brief and comprehensive form. It also includes a brief view of what I did during internship. Internship report ends with some recommendations and concluding remarks after identification of problems that I observed during internship. Although I have put all my efforts but surely there are chances for mistakes, suggestions...
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...Marketing of Banking Services (Case of Prime Bank Ltd. ) CHAPTER 1 Introduction 1.1: BACKGROUND OF THE REPORT Internship program is a pre-requisite for acquiring BBA degree in UIU. Before completion of the program, every student must undergo the internship program or a research work. It is mandatory because classroom discussion alone cannot make a student outstanding in handling the real business scenario. This is an opportunity for a student to learn about the real life situation and how to act accordingly. Another purpose is to know about the rules, regulation and environment of an organization before getting a job or starting a business. Such experience may facilitate a student to have a better job or get success quickly in a business. A report is to be prepared to summarize the findings through observation, and practical work after the internship period. The report titled “Marketing of Banking Services: Case of Prime Bank Limited” is based on the learning from the internship period in Prime Bank Ltd, Shimrail Branch. It contains a concrete idea about the marketing pattern of the bank mainly with the help of observational study from the perspective of 7P’s of services. I will also discuss the other banking activities of the branch. 1.2: ORIGIN OF THE REPORT This report titled “Marketing of Banking Services” is prepared fully on academic basis. It is a mandatory requirement as a part of internship for BBA program completion under the school of business of UIU. This topic has been allocated...
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...supplied by a company meet or surpass customer expectation. It is seen as a key performance indicator within a business. So, assessing the level of customer satisfaction actually helps to measure an organization‘s position in business. I am doing my internship in National Bank limited with rotation on different desks which includes Accounts Opening, General Banking, Retail Banking, Clearing, Remittance, Loans and Advances etc. In this report “The Customer Satisfaction on different services of National Bank Limited”. I will focus on various aspects of this Bank. Since they are standing at good position among the private banks, their financial position, market shares, marketing mechanisms, overall strengths and weakness, objectives, goals will be cross examined for analyzing the fact that how they were and how they will be in future. Various types of analysis will help us to understand the comparative position and a transparent picture of this Bank that will help us to draw any comment at a glance. As I am directly in touch with customers, the report will deal with the service quality and customer satisfaction of National Bank Limited. A survey will be conducted on the customers of National Bank Limited. The objective of this report will be to determine how well National Bank Limited is satisfying the customers on different service grounds. Various important issues of customer satisfaction will be presented in light of the findings of the survey. Lastly, the findings will be examined...
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...Chapter – One Introduction 1. Preclude Credit is an arrangement whereby bank acting at the request and on the instructions of a customer or on its own behalf to make a payment to or to the order of a third party or is to accept and pay bills of exchange drawn by the beneficiary. In an economy banks play the role of an intermediary that channels resources from the surplus group to the deficit group. So obviously one of the core functions of Commercial banks is to sanction Credit facility to it’s customers as per requirement. UTTARA BANK LTD. Bank’s Mission is to actively participate in the growth and expansion of our national economy by providing Credit to various customers in most efficient way of delivery and at a competitive price. Risk is inherent in all aspects of a commercial operation; however for Banks and financial institutions, credit risk is an essential factor that needs to be managed. Credit risk is the possibility that a borrower or counter party may fail to meet its obligations in accordance with agreed terms. Credit risk therefore, arises from the bank’s dealings with or lending to corporate, individuals and other banks or financial institutions. In general, a banking system aggregates a high number of low value deposits to fund enterprises with a smaller number of high value loans. This intermediation through a well functioning bank helps to achieve some economic benefits for the depositors, the borrowers and...
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