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Monday, May 23, 2011
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Thursday, May 19, 2011
Summer Internship Report 2011
This year PSO Summer Internship program started on June 15, 2009, Conducted by Vaqar Ahmad Khan, GM, Training & Organizational Development.
On July 30, 2009 Performance Excellence Awards were awarded to outstanding interns for the year 2008. The farewell ceremony was held on july 31, 2009.
Certificate of Excellence were awarded to:
Rehana Altaf (SZABIST), Amna Atiq (IBA), Shehla Ansari (SZABIST), Tayyaba Qasim (SZABIST), Rabia Tabassum (CBM), Noor Fatima Prekh (CBM), Zaakia Chawla (IBA), Dawood Ahmad (MAJU), Amir Ali Sewani (IBA), Mustaali Aftab Marvi (KU), Yasir Kamal (CBM), Asma Rao (SU), Paras Murad Shah (IQRA), Jyoti Manglani (IBA), Ayesha Zehra Ali (IBA), Sarah Hameed (IBA), S. M. Kamil Mehmood (IBA), Tooba Yazdani (CBM), Kinzah Raffat (CBM), Nadia Baig (SZABIST), Moiz Ali Khan (IBA), Gohar Anwar Shaikh (LUMS).
Outstanding Performance Award
Rabiya Malik (NED), Wardah Khiyani (SZABIST), Muhammad Rafiq (SU), Ayaz Moin (SZABIST), Salman Rashid (SZABIST), Mahrukh Hussain (CBM), Khurram Abbas Zaidi (LUMS), Harris Iqbal (LUMS)
On July 30, 2009 Performance Excellence Awards were awarded to outstanding interns for the year 2008. The farewell ceremony was held on july 31, 2009.
Certificate of Excellence were awarded to:
Rehana Altaf (SZABIST), Amna Atiq (IBA), Shehla Ansari (SZABIST), Tayyaba Qasim (SZABIST), Rabia Tabassum (CBM), Noor Fatima Prekh (CBM), Zaakia Chawla (IBA), Dawood Ahmad (MAJU), Amir Ali Sewani (IBA), Mustaali Aftab Marvi (KU), Yasir Kamal (CBM), Asma Rao (SU), Paras Murad Shah (IQRA), Jyoti Manglani (IBA), Ayesha Zehra Ali (IBA), Sarah Hameed (IBA), S. M. Kamil Mehmood (IBA), Tooba Yazdani (CBM), Kinzah Raffat (CBM), Nadia Baig (SZABIST), Moiz Ali Khan (IBA), Gohar Anwar Shaikh (LUMS).
Outstanding Performance Award
Rabiya Malik (NED), Wardah Khiyani (SZABIST), Muhammad Rafiq (SU), Ayaz Moin (SZABIST), Salman Rashid (SZABIST), Mahrukh Hussain (CBM), Khurram Abbas Zaidi (LUMS), Harris Iqbal (LUMS)
Sunday, May 15, 2011
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Monday, May 09, 2011
AIOU-INTERNSHIP REPORT ON BANK ALFALAH
Pakistan did not inherit a well established banking structure on independence, mainly because of restricted participation by Muslims in this sector. Before independence, the financial sector was in the hands of foreign banks and some of them were British by origin. The oldest bank operating from 1883 in this part of the world was the Chartered Bank while another bank namely the Grindlays Bank which was also working simultaneously from 1883. The only bank that was being operated by Muslims in sub-continent was the Habib Bank, which was established in 1941. After independence, Quad-e-Azam, Muhammad Ali Jinnah turned his attention towards this sector and urged the establishment of a central bank, and, his wish was materialized on July 1st, 1948. With the continuous concerted efforts from private and public sector, this segment of the economy started taking steps towards maturity.
Bank of Credit & Commerce International (BCCI) was a Pakistan based bank, established by Mr. Agha Hassan Abdi from UBL, in association with U.A.E and Europe. BCCI had its branches in 74 different countries of the world. It had its 3 branches in Pakistan. In 1991, the BCCI was banned, owing to allegations by European countries that the bank was involved in some illegal operations with Gulf countries. The main reason behind European accusation was that BCCI was of Islamic mode. Therefore, the bank was closed due to international pressure. Then, its 3 Pakistani branches were taken over by the Government of Pakistan, which were named as Habib Credit and Exchange Bank (HCEB) and these were working as subsidiary of Habib Bank Limited.
Following the privatization in July 1997, Habib credit and Exchange Bank assumed the new identity of Bank Alfalah on February 25, 1998. It is now Abu Dhabi based bank as the family of H. E. Sheikh Hamdan Bin Mabarak Al-Nahayan purchased 70% of its shares and 30% shares remained with Habib Bank on behalf of Government of Pakistan. Since its inception, as the new identity of H.C.E.B after the privatization in 1997, the management of the bank has implemented strategies and policies to carve a distinct position for the bank in the market place. Bank Alfalah has paid-up-capital of Rs. 7,995,000 as on 31-12-08 and Rs 3,166,056 as reserves. It is now offering a wide range of services under heads of General Banking, Financial Services, Consumer Finance, Treasury & International and Islamic Banking.
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Bank of Credit & Commerce International (BCCI) was a Pakistan based bank, established by Mr. Agha Hassan Abdi from UBL, in association with U.A.E and Europe. BCCI had its branches in 74 different countries of the world. It had its 3 branches in Pakistan. In 1991, the BCCI was banned, owing to allegations by European countries that the bank was involved in some illegal operations with Gulf countries. The main reason behind European accusation was that BCCI was of Islamic mode. Therefore, the bank was closed due to international pressure. Then, its 3 Pakistani branches were taken over by the Government of Pakistan, which were named as Habib Credit and Exchange Bank (HCEB) and these were working as subsidiary of Habib Bank Limited.
Following the privatization in July 1997, Habib credit and Exchange Bank assumed the new identity of Bank Alfalah on February 25, 1998. It is now Abu Dhabi based bank as the family of H. E. Sheikh Hamdan Bin Mabarak Al-Nahayan purchased 70% of its shares and 30% shares remained with Habib Bank on behalf of Government of Pakistan. Since its inception, as the new identity of H.C.E.B after the privatization in 1997, the management of the bank has implemented strategies and policies to carve a distinct position for the bank in the market place. Bank Alfalah has paid-up-capital of Rs. 7,995,000 as on 31-12-08 and Rs 3,166,056 as reserves. It is now offering a wide range of services under heads of General Banking, Financial Services, Consumer Finance, Treasury & International and Islamic Banking.
This report will cover under below Content
Objectives of the Study (7)
Overview of the Organization (BAL) --------------------------------------- (8-33)
1.1 Brief history of Bank Alfalah
1.2 Nature of the organization
1.3 Business volume
1.4 Number of employees
1.5 Product lines
Organizational Structure ----------------------------------------------------- (33-38)
1.6 Main offices
1.7 Comments on the organizational structure
Structure of the Finance Department------------------------------------ (51-52)
1.8 Number of employees working in the Finance Department
1.9 Finance & Accounting operations
Functions of the Finance Department----------------------------------- (52-62)
1.10 Accounting system of the organization
1.11 Finance system of the organization
1.12 Use of electronic data in decision-making
1.13 Mobilization of funds
1.14 Generation of funds
1.15 Sources of funds
1.16 Allocation of funds
Critical Analysis --------------------------------------------------------------- (63-97)
1.17 Financial analysis (ratio analysis, horizontal & vertical analysis of the organization for the last five years)
1.18 Organization analysis with reference to the industries listed on the stock exchange
1.19 Behavior of the studied organization in allocation of various funds to different assets
1.20 Future prospects of the organization
Short-falls/weaknesses of the Finance Department----------------------(96-99)
1.21 Critical analysis of the management patterns of the organization with reference to financial operations, weak areas that need to be improved.
Conclusions & recommendations for improvement-------------------------(100-102)
References & Sources used--------------------------------------------------------(103)
Annexes--------------------------------------------------------------------------------(104-107
Report on Bank Alfalah with above Content are available you can request at vuaccess@gmail.com
or call any time at 03214750603
Dear Students, we are professional for preparing AIOU internship reports, projects, MBA, BBA reports, Projects, PHD Thesis. Send us Company Detail, area of specialization, we will response you as soon as possible. Kindly request us on this address.
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Dear AIOU AND VIRTUAL UNIVERSITY STUDENTS A COMPLETE INTERNSHIP REPORTS ON Bank Alfalah (BAL) is available. 100 % Pass Guarantee
Contact Us
Overview of the Organization (BAL) --------------------------------------- (8-33)
1.1 Brief history of Bank Alfalah
1.2 Nature of the organization
1.3 Business volume
1.4 Number of employees
1.5 Product lines
Organizational Structure ----------------------------------------------------- (33-38)
1.6 Main offices
1.7 Comments on the organizational structure
Structure of the Finance Department------------------------------------ (51-52)
1.8 Number of employees working in the Finance Department
1.9 Finance & Accounting operations
Functions of the Finance Department----------------------------------- (52-62)
1.10 Accounting system of the organization
1.11 Finance system of the organization
1.12 Use of electronic data in decision-making
1.13 Mobilization of funds
1.14 Generation of funds
1.15 Sources of funds
1.16 Allocation of funds
Critical Analysis --------------------------------------------------------------- (63-97)
1.17 Financial analysis (ratio analysis, horizontal & vertical analysis of the organization for the last five years)
1.18 Organization analysis with reference to the industries listed on the stock exchange
1.19 Behavior of the studied organization in allocation of various funds to different assets
1.20 Future prospects of the organization
Short-falls/weaknesses of the Finance Department----------------------(96-99)
1.21 Critical analysis of the management patterns of the organization with reference to financial operations, weak areas that need to be improved.
Conclusions & recommendations for improvement-------------------------(100-102)
References & Sources used--------------------------------------------------------(103)
Annexes--------------------------------------------------------------------------------(104-107
Report on Bank Alfalah with above Content are available you can request at vuaccess@gmail.com
or call any time at 03214750603
Dear Students, we are professional for preparing AIOU internship reports, projects, MBA, BBA reports, Projects, PHD Thesis. Send us Company Detail, area of specialization, we will response you as soon as possible. Kindly request us on this address.
Download aiou internship report
Dear AIOU AND VIRTUAL UNIVERSITY STUDENTS A COMPLETE INTERNSHIP REPORTS ON Bank Alfalah (BAL) is available. 100 % Pass Guarantee
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FINI619-Internship Finance Report on Askari Bank(ABL)
12-Ratio Analysis
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1).Liquidity Ratios
Liquidity ratios measure a firm’s ability to meet its current obligations. Theses Includes:-
A).Current Ratio
Current Ratio=Current Assets/Current Liabilities
Particular
|
2011
|
2012
|
2014
|
Current Assets
| |||
Cash and balances with treasury banks
|
13,356,055
|
16,029,635
|
19,385,843
|
Balances with other banks
|
3,497,054
|
3,954,814
|
8,364,261
|
Advances
|
100,780,162
|
128,818,242
|
135,034,499
|
Other assets
|
5,535,038
|
8,964,480
|
10,036,311
|
Total Current Assets
|
123,168,309
|
157,767,171
|
172,820,914
|
Current Liabilities
| |||
Bills payable
|
2,627,051
|
2,584,828
|
2,945,670
|
Deposits and other accounts
|
143,036,707
|
167,676,572
|
205,970,227
|
Sub-ordinate loans
|
2,997,300
|
2,996,100
|
5,994,900
|
Deferred tax liabilities
|
471,519
|
12,987
|
333,925
|
Other liabilities
|
3,219,796
|
4,759,140
|
4,833,489
|
Current Liabilities
|
152,352,373
|
178,029,627
|
220,078,211
|
Current ratio = Current Asset/Current liablilities
|
0.808
|
0.886
|
0.785
|
B).Acid Test Ratio
Acid Test Ratio= current assets – advance prepaid expenses / current liabilities
Particular
|
2011
|
2012
|
2013
|
Current Asset
|
123,168,309
|
157,767,171
|
172,820,914
|
(Advances) are receivables
|
100,780,162
|
128,818,242
|
135,034,499
|
Total
|
22,388,147
|
28,948,929
|
37786415
|
Current Liabilities
|
152,352,373
|
178,029,627
|
220,078,211
|
Acid Test Ratio
|
0.146
|
0.162
|
0.171
|
C).Working Capital Ratio
Working capital= current asset –current liabilities
Particular
|
2007
|
2008
|
2009
|
Current Assets
|
123,168,309
|
157,767,171
|
172,820,914
|
Current liabilities
|
152,352,373
|
178,029,627
|
220,078,211
|
Working Capital Ratio
|
29,184,064
|
20,262,456
|
47257297
|
Dear Students FINI619: Internship Finance Report on Askari Bank Whole Report are available according to Virtual university Format 2014 with affordable Price, you could purchase from us, Send email to our email address we will further guide you, Go to Contact Us Option and place your request.
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Sunday, May 08, 2011
Proposal for Skill Deployment Program in Pakistan
The Chairman
Higher Education Commission,
Islamabad, Pakistan
Date: 16 June 2007
Subject: Proposal for Skill Deployment Program
Dear Sir,
Higher Education Commission,
Islamabad, Pakistan
Date: 16 June 2007
Subject: Proposal for Skill Deployment Program
Dear Sir,
My name is Muhammad Samiullah. I just complete my MBA from COMSATS University with major in marketing and Entrepreneurial concepts.
.
I am writing to send you a proposal to start a “skill deployment program” for educating Pakistani people. The summary of this Proposal is on second page. This program will enhance management, entrepreneurial, professional, financial, technical, mechanical, engineering skills and contribute to the development of Pakistan and Ummah-e-Muslimah. I hope you will do it because you can. I look forward to hearing from you very soon.
Program Summary
Media always play very important role in educating the people and generating the point of view. Unfortunately now a days our media educating the people in four directions life style, politics, Movies and Drama. As a result our most population is habitual for movies, dramas, and has great knowledge of movies rather than skills, every body can discuss about politics because they hear, watch, and do the politics all the time and the same with movies. These things are not the basic needs of Pakistan. The need of Pakistan is skill. This is lacking in all communicating and advertising Medias. Skill learning is too much difficult in Pakistan, if someone wants to learn any thing; he has to go to institution and just hear and read without practical and has to pay against it. Some channels are already working in this area like National Geographic channel of India, BBC Prime, Career Online on Geo, and number of health programs on different channels. You should start a new channel or change existing channel (PTV) with a complete solution to train the people and to change the overall direction of our media. The major objective of the channel should be the education of our people. You will receive maximum sponsors for this program. The few areas are here as a sample. These samples are just the overview and in short words.
1. Management
Introduction to management, basic rules of management, advantages of management, functions of management, decision making etc. and also how to manage the work activities in office, own business, or at home, team management etc.
2. Entrepreneurship
How to find out the opportunity, analysis of the opportunity, business plan, starting a business, financing and marketing a business
3. Marketing
Introduction to marketing, how to market your business, branding, labeling, product quality, how to market a service business
4. Research
Introduction to research, how to conduct a research, business research etc
5. Language
In language section you should teach the people that how easy the English language is. The basics of English language, Business language, Daily usage language, national English learning program
6. Electrical
Electrical training, safety from electrical instruments, repairing of electrical instruments, manufacturing, electric production, Board making etc
7. Transportation
Advantages of transportation, uses of transportation, types of transportation, manufacturing, service of vehicles, safety of vehicles, repairing etc
8.
Engineering
Feasibility reports, map design, architecture, programs used in architecture, designing.
9. Call Centre
Introduction to call centre, purpose of call centre, advantages of call centre, establishment of call centre, training for call centre, testimonials from call centre
10. Agriculture
Advantages of agriculture, methods of agriculture, equipments of agriculture, how to improve the agriculture output
11. Computer
Introduction to computer, how to connect computer hardware, usages of computer, computer training, software development
12. Teaching
What is teaching, how to teach, training of teachers, who should be a teacher, trials of different teachers, teaching methods etc.
13. Communication
Usages of communication, types of communication, mediums of communication, business communication, how to improve the communication and skills required for communication
14. Media (Movie)
Entertainment movies, scientific movies, environmental movies, business movies, special focus movies
15. Repairing
House repairing, mobile repairing, vehicle repairing, electrical equipments repairing
16. Leather production
Usages of leather, processing of leather, establishment of small leather units, goods making from leather, sale of the leather
17. Textile
Introduction to textile sector, processes and operations in textile, how to establish a small textile unit, how to knit, weave, dye, cutting and stitching, finishing, finishing methods etc. How to sale the textile products and where to sale the textile products, how to contact with buying houses etc
18. Budgeting
What is budgeting, purpose of the budget, functions of the budget, methods of budgeting, consultancy in budgeting, house budgeting, travel budgeting etc.
19. Schooling
What is school, purpose and functions of school, how to spend a day in school, study in school, study after school, exam preparation, practical preparation, career counseling, games at school, preparation for the school, dressing for the school
20. Construction
Construction planning, methods of construction, precaution measures for construction, designing, raw material planning, consultancy, and training for construction
21. Environment
How to improve the environment, how to deal with different environmental changes
22. Tourism
Advantages of tourism, planning for tourism, learning with tourism, international tourism, budget planning for tourism
23. Office management
How to train the office staff, hiring, firing, evaluation, compensation, office attitude, how to motivate the staff, how to deal with subordinates, how to improve your efficiency, how to lead a team, etc
24. Games
Advantages of games, methods of different games, international scope, career scope
25. Security
Advantages of security, types of security, security equipments
Hundreds of other areas are available to discuss and can be include in this program. This is a much better way to improve our society by convincing the people to start their own entrepreneurial ventures. Start leaning of skills rather than politics. Students go to their schools and do learn nothing and come back just after wasting their time because there is no motivation. Teachers do not motivate the students they just go to school fulfill the formality and come back. Most of the people join teaching because of unemployment and has minor knowledge of teaching profession. In this way we can provide leaning facility to all the Pakistanis. Our government has started this program at micro level in computing and some other sectors but doing nothing nationwide for skill development and a lay man cannot avail this opportunity because it has some cost. All developed nations have done this. I hope you will think on it. I will be thankful to you.
You can contact with me for more information and details.Muhammad Samiullah
150-B, Faisal Town, Lahore
Cell# 0092-301-4548105
Saturday, May 07, 2011
Thursday, May 05, 2011
Ratio Interpretation between Askari Bank and Bank Alfalah
Dear Student, Askari bank Ratio are available with most recent three years 2008,2009,2010
with Graph, you could purchase it through send us email at vuaccess@gmail.com or call any time at 03214750603.
1. Current Ratio, we have seen that current ratio of askari bank increase in 2008 as compare to year 2007 and 2009 on the other hand Bank alfalah ratio also increase in the same year 2008 as compare to 2007 and 2009
2. Working Capital ratio of askari bank increase in 2009 as compare to year 2008 but we can see that 2007 and 2009 ratio is high then 2008 on the other hand bank alfalah working capital ratio is for the year 2007 to 2008 is remain constant but it also increase in 2009
3. Mark-up is increase on the working capital. It means that with the passage of time higher interest has to be paid to meeting the current liabilities regarding the current asset. The ration decrees 2007 and 2009 as compare to 2008 but on the other hand askari bank Mark-up is increase on the working capital. It means that with the passage of time higher interest has to be paid to meeting the current liabilities regarding the current asset. The ration decrees 2007 and 2009 as compare to 2008
4. Acid test ratio. My working shows that liquidity of the Alfalah bank has changing consistently from 2007 to 2008 but in 2009 it are again decrease. In 2007 the ratio was 0.18 it will increase again and in 2008 it reach 0.20 but last year it will then again decrease and reach -0.06 on the other hand Askari bank changing trend of graph shows that liquidity of the bank is changing consistently from 2008 to 2009 after the year 2007 continually
5. Debt/Equity Ratio This working shows that bank Alfalah Debt/equity ratio is continually decreasing during 2008 to 2009, which shows that decrease in liquidity position. It means low investment from shareholders funds. On the other hand Same as the working shows that Askari bank Debt/equity ratio is also continually decreasing during 2008 to 2009, which shows that decrease in liquidity position. It means low investment from shareholders funds.
6. Debt ratio The working shows that debt ratio of bank alfalah is slightly decreased in 2009 as we compare to previous years. More of this ratio more the risky the financial position. Lower ratio means lower risk. But the ratio above show normal increasing trend on the other hand askari bank is working shows that debt ratio is slightly increased in 2008, 2007 and then it again increases in 2009. More of this ratio means more the risky the financial position. Lower ratio means lower risk. But the ratio above show normal increasing trend
7. Time interest ratio for the askari bank is increased in 2009 as compare to previous years 2007 to 2008 but bank alfalah ratio increased strongly in last three years as compare to Askari bank.
8. Asset turn over ratio for bank Alfalah working shows decreasing trend of time interest earned ratio from 2007 to 2009.This calculation concludes through changing trend that in the 2007 and 2008 bank is in good position to fulfill its interest obligation on the other hand If we look Askari bank this is also have the same situation the working shows decreasing trend of time interest earned ratio from 2007 to 2009. According to above analysis this also concludes through changing trend that in the 2007 and 2008 bank is in good position to fulfill its interest obligation
9. Basic Earning per share for Bank Alfalah working shows that earning per share is continually decreasing from 2008 to 2009. This changing trend affects the price of share. It also shows that is steady achieving the benefits from its shareholders. Profit is too increasing in slightly steady manner. Same as the side of Askari bank this working shows that earning per share is continually decreasing from 2008 to 2009. This changing trend affects the price of share. It also shows that is steady achieving the benefits from its shareholders. Profit is too increasing in slightly steady manner
10. Total capitalization ratio of Bank Alfalah decreased in 2008 as compare to for the year 2007. but we have seen that in 2009 it again increased. Now we could see same ratio of askari bank we can see that ratio same in 2009 as we compare to Bank alfalah
11. Debt to Tangibale Net worth Ratio for both companies is same. But in 2008 bank alfalah ratio has little increased
12. Return on asset ratio for Bank Alfalah my working shows that shows that the return on asset ratio in the 2007 has high value but in 2008 it will decrease continuously but if we look askari bank graph shows that the return on asset ratio in the 2007 has high value but in 2008 it will decrease as compare to 2007 but in 2009 it little increase
13. Net Profit margin ratio of askari bank decreased after the year 2007 as compare to other years. On the other hand bank alfalah have also same condition we if we compare to askari bank. It might be due to country certain reasons. Both companies net profit margin has decreased in 2008 and 2009
14. Dupont Return on Assets of askari bank continually decreased as compare to 2007 if we look bank alfalah ratio result it seem also like askari bank. It is also decreased after the year 2007.
15. Operating income margin ratio of askari bank we have seen that ratio decreased after the year 2007. Bank alfalah also been suffered the same situation
16. Return on operating assets we have seen askari bank ratio in 2008 it decreased very badly as compare to previous year 2007 but it little increase in 2009 now we could see bank alfalah we can see that it decreased in 2009 but askari bank have increasing trend
17. Return on Total equity. We have seen that askari bank ratio is decrease after the year 2007. In 2008 it is 9.51 Percent in 2009 it is little increased and reached at 21.83 % now we could see bank alfalah in 2007 ratio was 0.48 percent and 2008 0.16 percent and 2009 it was 0.066 percent
Monday, May 02, 2011
REPORT ON PRIZE BOND IN PAKISTAN
REPORT ON PRIZE BOND IN PAKISTAN
State Bank of Pakistan Banking Service Corporation (Bank) Sukkur Field Office
Vision
“To develop SBP BSC (Bank) into a strong and dynamic institution, equipped with efficient and professional human resources base having necessary technology, fully capable of providing quality services to stakeholders and complementing State Bank of Pakistan in achieving its objectives”.
Mission
“To maintain an efficient currency management system, provide effective banking services responsive to changing environment so as to command trust and respect of our stakeholders”.
History of Sukkur Field Office
SBP Banking Services Corporation (Bank), Sukkur is one of the field offices of SBP Banking Services Corporation (Bank), which was created upon promulgation of Ordinance-2001 as an independent subsidiary of the State Bank of Pakistan at Sukkur. Sukkur city is the hub of three Provinces viz; Baluchistan, Punjab & NWFP. Sukkur city is also very important place which covers small & medium enterprises, wide range of agricultural commodities’ market and also dry and fresh fruits like Dates, Banana, vegetables etc. As such SBP BSC (Bank), Sukkur is playing a curious role in the region.
SBP Banking Services Corporation, Sukkur Office enjoys a long history of central banking since its inauguration in 1994. The office gets further importance and increased responsibilities in terms of serving to the government departments. As a Field Office of BSC, it is committed towards providing customer oriented banking services to government, financial institutions and the public, management of currency and National Savings Schemes and canalizing efficient operations of the payment system. The main focus of the bank is aimed at bridging the gap between the central bank and it stakeholders so that policies are made that strengthen the financial system and provide and enabling framework for the financial industry that fosters economic growth.
Units of BSC (Bank) Sukkur Field Office
1- Internal Monitoring Unit (IMU)
2- Public Account Unit (PAU)
3- Treasury Cash Unit (TCU)
4- Deposit Account Unit (DAU)
5- Foreign Exchange Operations Unit (FEOU)
6- Development Finance Support Unit (DFSU)
7- General Services Unit (GSU)
8- Currency Management Unit (CMU)
9- Export Refinance Unit (ERU)
10- National Prize Bond Unit (PBU)
1- Internal Monitoring Unit (IMU)
The Internal Audit Department was established for the purpose of providing management and the Audit Committee of the State Bank of Pakistan Banking Services Corporation with reasonable assurance that the management control systems throughout the SBPBSC (Bank) are adequate and operating effectively. Internal Audit provides an independent and objective appraisal of activity for management and assuring them that risks are held at bay. To this end the Internal Audit provides the management with analysis, recommendations, counsel, and information concerning the activities reviewed. To accomplish its threefold mission of Banking, Currency Management and Customer Service, the Bank must maintain the confidence of its Stake Holders, Executives, Staff, Public and SBP. Confidence in the institution is paramount if the Bank is going to achieve its stated objectives. The Internal Audit Department provides valuable support in maintaining the public's confidence by performing independent and objective reviews and reporting to the Audit Committee and Managing Director on their findings so that corrective actions or enhancements can be initiated. The Internal Audit Department assists operating management in achieving Banks financial and operating goals by evaluating controls to ensure systems function adequately, by identifying weaknesses, and by providing recommendations. Through complete and unrestricted access to records, property, and personnel, Internal Audit provides the Bank with an additional resource in meeting these goals. With the support of Bank management and the Audit Committee, the Internal Audit Department provides the highest quality of auditing services, thus enhancing control at the Bank.
2-Public Account Unit (PAU)
SBP BSC (Bank) provides Banking Services to Government through PAU. PAU is responsible for maintaining the account of Federal, Provincial, District and Zakat accounts. Under section 21(1) of the SBP Act 1956 the Bank is obliged to accept money for account of the Federal, and Provincial Government in Pakistan and to make payment on their account and to carry out their exchange, remittances, and other Banking Operations including management of Public Debt.
It provides data on the Government Accounts to the Accountant General Pakistan Revenue, Pakistan Railway, and SBP on daily basis. The position of Government balances is provided to Finance Department of SBP for submission of Government Departments. Automation of business processes and online data entry has provided an impetus of secured transmission and automated of updating of data, and because of this integration among Field Offices System generated error free reports; client statement and elimination of duplication of work have resulted in quality based banking services to Government Departments. Another responsibility of PAU is the ZAKAT collection and maintenance of its balances.
Type of Account
1- Drawing Account
When an Officer of a Government Department is authorized to draw funds from Bank without limit such an account is called Drawing Account.
2- Assignment Account.
In case of certain Department, Accountant General Authorizes the bank is to open Ledger Deposit Accounts in favor of the head of these Departments and Army unit are called Assignment Account.
Main Units of PAU
a) Payment Unit
Payment on behalf of Government through instrument
Functions perform by Payment Unit
To keep specimen signatures of drawers/DDO’s records up to date
To maintain Cheques Series advice
Stop Cheques
To maintain schedule/advices
Pass cheques/Bills e.t.c.
Get full Report, request at vuaccess@gmail.com
State Bank of Pakistan Banking Service Corporation (Bank) Sukkur Field Office
Vision
“To develop SBP BSC (Bank) into a strong and dynamic institution, equipped with efficient and professional human resources base having necessary technology, fully capable of providing quality services to stakeholders and complementing State Bank of Pakistan in achieving its objectives”.
Mission
“To maintain an efficient currency management system, provide effective banking services responsive to changing environment so as to command trust and respect of our stakeholders”.
History of Sukkur Field Office
SBP Banking Services Corporation (Bank), Sukkur is one of the field offices of SBP Banking Services Corporation (Bank), which was created upon promulgation of Ordinance-2001 as an independent subsidiary of the State Bank of Pakistan at Sukkur. Sukkur city is the hub of three Provinces viz; Baluchistan, Punjab & NWFP. Sukkur city is also very important place which covers small & medium enterprises, wide range of agricultural commodities’ market and also dry and fresh fruits like Dates, Banana, vegetables etc. As such SBP BSC (Bank), Sukkur is playing a curious role in the region.
SBP Banking Services Corporation, Sukkur Office enjoys a long history of central banking since its inauguration in 1994. The office gets further importance and increased responsibilities in terms of serving to the government departments. As a Field Office of BSC, it is committed towards providing customer oriented banking services to government, financial institutions and the public, management of currency and National Savings Schemes and canalizing efficient operations of the payment system. The main focus of the bank is aimed at bridging the gap between the central bank and it stakeholders so that policies are made that strengthen the financial system and provide and enabling framework for the financial industry that fosters economic growth.
Units of BSC (Bank) Sukkur Field Office
1- Internal Monitoring Unit (IMU)
2- Public Account Unit (PAU)
3- Treasury Cash Unit (TCU)
4- Deposit Account Unit (DAU)
5- Foreign Exchange Operations Unit (FEOU)
6- Development Finance Support Unit (DFSU)
7- General Services Unit (GSU)
8- Currency Management Unit (CMU)
9- Export Refinance Unit (ERU)
10- National Prize Bond Unit (PBU)
1- Internal Monitoring Unit (IMU)
The Internal Audit Department was established for the purpose of providing management and the Audit Committee of the State Bank of Pakistan Banking Services Corporation with reasonable assurance that the management control systems throughout the SBPBSC (Bank) are adequate and operating effectively. Internal Audit provides an independent and objective appraisal of activity for management and assuring them that risks are held at bay. To this end the Internal Audit provides the management with analysis, recommendations, counsel, and information concerning the activities reviewed. To accomplish its threefold mission of Banking, Currency Management and Customer Service, the Bank must maintain the confidence of its Stake Holders, Executives, Staff, Public and SBP. Confidence in the institution is paramount if the Bank is going to achieve its stated objectives. The Internal Audit Department provides valuable support in maintaining the public's confidence by performing independent and objective reviews and reporting to the Audit Committee and Managing Director on their findings so that corrective actions or enhancements can be initiated. The Internal Audit Department assists operating management in achieving Banks financial and operating goals by evaluating controls to ensure systems function adequately, by identifying weaknesses, and by providing recommendations. Through complete and unrestricted access to records, property, and personnel, Internal Audit provides the Bank with an additional resource in meeting these goals. With the support of Bank management and the Audit Committee, the Internal Audit Department provides the highest quality of auditing services, thus enhancing control at the Bank.
2-Public Account Unit (PAU)
SBP BSC (Bank) provides Banking Services to Government through PAU. PAU is responsible for maintaining the account of Federal, Provincial, District and Zakat accounts. Under section 21(1) of the SBP Act 1956 the Bank is obliged to accept money for account of the Federal, and Provincial Government in Pakistan and to make payment on their account and to carry out their exchange, remittances, and other Banking Operations including management of Public Debt.
It provides data on the Government Accounts to the Accountant General Pakistan Revenue, Pakistan Railway, and SBP on daily basis. The position of Government balances is provided to Finance Department of SBP for submission of Government Departments. Automation of business processes and online data entry has provided an impetus of secured transmission and automated of updating of data, and because of this integration among Field Offices System generated error free reports; client statement and elimination of duplication of work have resulted in quality based banking services to Government Departments. Another responsibility of PAU is the ZAKAT collection and maintenance of its balances.
Type of Account
1- Drawing Account
When an Officer of a Government Department is authorized to draw funds from Bank without limit such an account is called Drawing Account.
2- Assignment Account.
In case of certain Department, Accountant General Authorizes the bank is to open Ledger Deposit Accounts in favor of the head of these Departments and Army unit are called Assignment Account.
Main Units of PAU
a) Payment Unit
Payment on behalf of Government through instrument
Functions perform by Payment Unit
To keep specimen signatures of drawers/DDO’s records up to date
To maintain Cheques Series advice
Stop Cheques
To maintain schedule/advices
Pass cheques/Bills e.t.c.
Get full Report, request at vuaccess@gmail.com
Sunday, May 01, 2011
Internship Report in bank of MCB Bank 2011
Internship Report in bank of MCB Bank 2011
Dear Students We are professional for writing internship Reports and Projects on any Topic, If you want we will prepare you Report on MCB, we will prepare it according to university format. We can prepare any portion of the report.
MCB Ration Analysis with Graph Rs 3000/-
MCB Ratio with Training Programme Rs 4000/-
Whole Report on MCB Bank Rs 5500/-
Send your request with company name here vuaccess@gmail.com
Dear Students We are professional for writing internship Reports and Projects on any Topic, If you want we will prepare you Report on MCB, we will prepare it according to university format. We can prepare any portion of the report.
MCB Ration Analysis with Graph Rs 3000/-
MCB Ratio with Training Programme Rs 4000/-
Whole Report on MCB Bank Rs 5500/-
Send your request with company name here vuaccess@gmail.com
Internship Report on mcb University of Gujrat
Internship Report on mcb University of Gujrat is available accroding to university format, with 66 pages.
Get soft copy by sending request at vuaccess@gmail.com
Get soft copy by sending request at vuaccess@gmail.com
Mba Project Titles 2009
MBA PROJECT TITLES Check out this comprehensive collection of MBA project titles Learn how to do your project better and easily...MBA Projects made easy.. 1. Product strategies of private life insurance companies 2. A study on "why companies should go for outsourcing" 3. Effectiveness of advertising on real estate sector 4. Study on consumer expectations and perceptions towards consumer loans 5. Workers attrition rate at hotel industry is increasing. Study regarding this issue 6. Attrition rates at different sectors 7. Effectiveness and scope of employee referrals in the process of talent sourcing 8. Study of training needs across different industries 9. Study on creation of luxury brand 10. Strategies used to build successful Internet based customer services 11. Measuring the effectiveness of retail banking of a nationalised bank compared to a MNC 12. Conspicuous consumption 13. Study of awareness and acceptability of UPVC windows and door systems 14. Opportunities of Financing the NANO's in Bangalore 15. Changing trends in FMCG industry in India 16. A study of best HR practices in service industry 17. Fundamental analysis of Indian telecom companies 18. Study of consumer behaviour in automobile industry 19. customer buying behaviour towards insurance products 20. Promotion strategies followed in Insurance sector 21. Study on changing consumer preference towards organised retailing from un-organised retailing. 22. study on "impact of advertising in B2B marketing" 23. Distribution network & general insurance industry 24. A study on distribution channels in aluminum industry 25. Study on strategies for promoting retailers' brands 26. Study of operations & marketing of chemical goods in SSI 27. The impact of tax on electronic goods & products (industrial marketing) 28. Merchandising key account management in apparel exports 29. Effect of marketing in mobilization in BPO segment 30. Marketing in FMCG sector 31. E-marketing of financial services: Relationship approach 32. Understanding cross cultural literacy in international business 33. The study of operations & marketing of Indian Pharmaceutical industry 34. impact of promotional activities at mall on consumers behaviour at shopping malls 35. A study on Indian pharmaceutical industry 36. Managing of luxury brands 37. Viability of Micro Insurance in Indian scenario 38. Performance evaluation of initial public offers in India 39. Process of underwriting and valuation of life insurance 40. Risk management in foreign exchange 41. Asset liabilities management in Indian banks
42. Portfolio construction using fundamental analysis 43. Portfolio management and how it has helped increase effective investment 44. Investment banking (Fin) (retail banking in India) 45. Risk management in Indian banks 46. A comparative analysis towards restructuring of the shared services unit of EMC2 47. ERP implementation strategies (systems) 48. Measurement of financial efficiency 49. Fundamental analysis of financial sector 50. Fundamental analysis of insurance sector 51. Study on human resource costing 52. Asset liability management of life insurance companies 53. Basel - II 54. Recruitments 55. analysis of attrition in IT and ITES sector 56. Work-life balance in IT sector 57. Incidence of illegitimate power & its impact on effectiveness of odd initiatives 58. Implementation & effectiveness of competence management 59. people issues in mergers and acquisitions 60. performance management 61. Best practices in the field of HR 62. Study of the online music industry, w.r.t. marketing in the Indian context 63. Future and business potential of gaming industry in India 64. Job design model of motivation 65. Role of emotional satisfaction in service encounters - retail sector 66. Study on factors influencing adaptability & usability of consumer electronics 67. Future of consumer durables pertaining to standard brands & own brands of retailer like (next, bigbazar) 68. Study of consumer behaviour related to different soap brands in Bangalore 69. Impact of small car segment on two-wheeler industry 70. Influence of branding on consumer purchasing behaviour 71. Analysis of factors influencing in selection of mobile service providers in NCR 72. Impact of NANO on two wheeler industry
73. Study and analysis of market potential of PVC windows and doors 74. Mobile banking 75. Consolidation & mergers in banks of India 76. Credit appraisal process in banks 77. Consumer behaviour towards public sector and private sector banks 78. A study of efficiency in banks 79. Analysis of sales promotions ability to prompt brand 80. A study on the consumer electronics industry in India 81. Measuring effectiveness of display system for chocolate in retail 82. Choosing retail locations for shopping in India (retail industry) 83. Study on "impact of web 20 technologies on B2B marketing" 84. Fundamental analysis of printing sector 85. Integrated marketing communications (IMC) 86. Analysis of the role of outdoor advertising and establishing strategies for managing space media 87. Consumer perception of M-Commerce 88. A study of customer perception of service quality dimension in insurance industry 89. Factors affecting real estate markets in Bangalore 90. Study on medical tourism and growth of health care sector 91. Innovations in marketing in electronic and IT companies 92. Perceptual mapping of two-wheeler industry 93. Study on perception of customers on mutual fund advertisement 94. Impact of IT/ITES growth on real estate industry
42. Portfolio construction using fundamental analysis 43. Portfolio management and how it has helped increase effective investment 44. Investment banking (Fin) (retail banking in India) 45. Risk management in Indian banks 46. A comparative analysis towards restructuring of the shared services unit of EMC2 47. ERP implementation strategies (systems) 48. Measurement of financial efficiency 49. Fundamental analysis of financial sector 50. Fundamental analysis of insurance sector 51. Study on human resource costing 52. Asset liability management of life insurance companies 53. Basel - II 54. Recruitments 55. analysis of attrition in IT and ITES sector 56. Work-life balance in IT sector 57. Incidence of illegitimate power & its impact on effectiveness of odd initiatives 58. Implementation & effectiveness of competence management 59. people issues in mergers and acquisitions 60. performance management 61. Best practices in the field of HR 62. Study of the online music industry, w.r.t. marketing in the Indian context 63. Future and business potential of gaming industry in India 64. Job design model of motivation 65. Role of emotional satisfaction in service encounters - retail sector 66. Study on factors influencing adaptability & usability of consumer electronics 67. Future of consumer durables pertaining to standard brands & own brands of retailer like (next, bigbazar) 68. Study of consumer behaviour related to different soap brands in Bangalore 69. Impact of small car segment on two-wheeler industry 70. Influence of branding on consumer purchasing behaviour 71. Analysis of factors influencing in selection of mobile service providers in NCR 72. Impact of NANO on two wheeler industry
73. Study and analysis of market potential of PVC windows and doors 74. Mobile banking 75. Consolidation & mergers in banks of India 76. Credit appraisal process in banks 77. Consumer behaviour towards public sector and private sector banks 78. A study of efficiency in banks 79. Analysis of sales promotions ability to prompt brand 80. A study on the consumer electronics industry in India 81. Measuring effectiveness of display system for chocolate in retail 82. Choosing retail locations for shopping in India (retail industry) 83. Study on "impact of web 20 technologies on B2B marketing" 84. Fundamental analysis of printing sector 85. Integrated marketing communications (IMC) 86. Analysis of the role of outdoor advertising and establishing strategies for managing space media 87. Consumer perception of M-Commerce 88. A study of customer perception of service quality dimension in insurance industry 89. Factors affecting real estate markets in Bangalore 90. Study on medical tourism and growth of health care sector 91. Innovations in marketing in electronic and IT companies 92. Perceptual mapping of two-wheeler industry 93. Study on perception of customers on mutual fund advertisement 94. Impact of IT/ITES growth on real estate industry
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