Internship Report on Silk Bank 2016

Internship Report on Silk Bank 2016

PREFACE

This Report is specially meant for the student of MBA. It is concerned to a brief study of the operation, Function, tasks and services of Silk Bank of Pakistan. Banking play very important role in the commerce and economic development of a country. Now-a-days banks are using different modern technologies, which influence the managerial activities, that’s why I decided to do my internship Training in the bank. 

In preparation of this internship Report of Silk is have tried my best to provide all Possible information about the operation, function and tasks of Silk bank in brief and comprehensive form. It also includes a brief department worked during internship. I have also tried my best to use simple and easy words and language. 

Then internship report on silk bank ends with some recommendation after identification of some problems observed during the course of internship.

Acknowledgement

All praise is to Allah Almighty who granted me insight and devotion to perform such creative work. I am grateful to all those who helped me completing this internship report.  I am thankful to all members of Department of Business Administration, University for extending cooperation to enter Silk Bank as an internee.

Nature of the Organization

The main objective of the bank is to accept deposits and provide loans to its customers and also to be more efficient in providing services. The bank maintained its commitment to most efficient and personalized services to its customers. Silk bank of Pakistan introduced many remunerative schemes for its depositors and introduced computer services for the first time in the banking history of Pakistan. Silk bank gives advances to small, medium and big industries, commercial establishment, agriculture, construction companies and other needy persons. Silk bank collects electricity gas and telephone bills from public and over hundred branches of Silk bank Ltd. deal in foreign exchange were facilities are given to financial and commercial so its ultimate objective is to receive funds from the depositors and provides loans/credit facilities to different sector including trade, industry and agriculture in its most branches.

Business Volume

Description (in Million)	2011	2012	2013	2014	2015
Share Capital	3,848	3,848	5,002	9,003	9,003
Investments	12,465	15,829	17,859	12,012	20,179
Deposits	37,136	49,015	42,374	41,056	49,610
Advances	19,513	29,022	25,875	31,087	32,097

Foreign currency transactions

Transactions in foreign currencies are translated to rupees at the foreign exchange rates ruling on the transaction date. Monetary assets and liabilities in foreign currencies are expressed in rupee terms at the rates of exchange ruling on the balance sheet date except that certain deposits, which are covered by forward foreign exchange contracts, are translated at contracted rates.  Forward foreign exchange contracts and foreign bills purchased are valued at forward rates applicable to their respective maturities.  Non-monetary assets and liabilities are translated using exchange rates that existed when the values were determined. 

Table of Content 

Title	Page
Objectives of Studying the Organization
Overview of the Organization
History Of Silk bank
Nature of the Organization
Business Volume
Number of Employees
Product Lines & Services of Silk bank
Organizational Structure
Overall Organizational Structure
Organizational Structure of Silk bank  Branch
Various Departments of Silk bank
Structure of Finance/Accounts Department
Structure of Finance/Accounts Department
Finance & Accounting Operations
Role of Financial Manager
Technical Methods (Use of Electronic data)
Funds Management
Theoretical and Practical Concepts
Daily Schedule For Evaluate A Bank’s Money
Account Opening Procedure
Customer Privacy
Financial Analysis
Balance Sheet
Income Statement
Ratio Analysis
Horizontal Analysis of Balance Sheet
Horizontal Analysis of Income Statement
Vertical Analysis of Balance Sheet
Vertical Analysis of Income Statement
Organizational Analysis
Future Prospects of Silk bank
Weaknesses of Silk bank Conclusion
Finding and Recommendations
References

Note:  The internship report on Silk Bank has almost 70 pages. You can get soft copy only in Rs 1000/- only Serious students can contact us at vuaccess@gmail.com.

Internship Report on Bank Alfalah

Internship Report on Bank Alfalah 2023

Dedication

I would like to thank to all INSTRUCTORS for there guidance in my educational career. Finally I would like to thanks and dedicate my Bank Alfalah internship report to my lovely parents who love, pray, support and guide me in every part of life.

Acknowledgement

First of all I am very thankful to Almighty Allah who gave me knowledge and power to make me able to complete my internship successfully. In my internship many people have contributed in the successful completion of this internship report. My all appreciation goes to the whole team of BANK ALFALAH LIMITED.  Writing an internship report appeared to be a great experience to me. It added a lot to my knowledge during the working on this report. I would like to say that this report is one of my memorable experiences in my student life, and it would not be wrong. 

Completion of internship report is not an easy task. As it require a continuous hard work and zeal. Completion of this report would have not been possible with out the support of all staff members at the bank, my respected teachers, my friends and my well wishers especially to Mr. “Asghar Awan” from the HR department. He helps me very well for starting this internship and the all the BAL staff members also guide and helps me for the completion of this report. I also thanks to my teachers of Virtual University of Pakistan for the knowledge and by their guidance in every field..

EXECUTIVE SUMMARY

This internship report consists of profile of the banking sector (industry), its origin, the functioning, how the banks are classified on the based on function, ownership etc and the trends being followed in the industry. Besides the above mentioned this report is focused on Bank Alfalah and to be more precise it discusses the inner details of the bank situated at Shad Bagh Lahore. Bank Alfalah’s origin and its setup in Pakistan are also discussed in the report.

Bank Alfalah came to Pakistan and gave banking sector a new horizon. Today Bank Alfalah has set front foot in the industry. As I did my internship at the Bank Alfalah, as it is a sub branch therefore most backend tasks are done here. With a vision to be the leading organizations operating locally & internationally that provides the complete range of financial and marketing services to all segments less than one roof the bank started its operations from 1997.

The report further guides through the department and working of the general banking. The activities taking place in the bank, the various products of banking are discussed in the report. The workings of the different departments are done under one roof of Bank Alfalah.

Table of Contents

                                                                                                                 Page No

Introduction (Banking Sector) ------------------------------------------------- (9-11)

Overview of the Organization (BAL) --------------------------------------- (12-36)

• Brief History
• Nature of the Organization
• Product Lines and Brand Portfolio of the Organization
• Strategies of Branding used by the Organization
• List of main clients 
• Competitors

Organizational Structure ----------------------------------------------------- (37-40)

• Organizational Hierarchy Chart
• Number of Employees
• Introduction of all the departments
• Comments on the Organizational Structure

Plan of Internship Program -------------------------------------------------- (41-42)

• Brief Introduction of the Branch where got training
• Starting & Ending dates of Internship
• Departments and duration of Training

Training Program -------------------------------------------------------------- (42-62)

• Introduction of all Departments
• Detail Description of the Training Departments
• Description of the tasks assigned

Structure of the Marketing department------------------------------------ (62-64)

• Department Hierarchy
• Number of employees working in Marketing department
• Marketing Operations

Functions of the Marketing department ----------------------------------- (64-69)

• Segmentation strategy
• Target marketing strategy
• Product planning, development & management
• Positioning
• Pricing strategy
• Distribution strategy
• Promotional strategy

Structure of the Sales department------------------------------------------- (69-70)

• Department hierarchy
• Number of employees working in the sales department
• Sales operations

Functions of the Sales department------------------------------------------- (70-71)

• Sales methodology
• Type of selling like personal selling, door to door selling etc
• Sales returns procedures

Customer Services department----------------------------------------------- (71-73)

• Process of developing relations with customers
• Techniques of retaining customers
• Techniques of attracting new customers
• Ways of handling different kinds of customers

Critical Analysis --------------------------------------------------------------- (73-74)

SWOT Analysis of the Bank Alfalah---------------------------------------- (75-78)

Conclusion----------------------------------------------------------------------- (79)

Recommendation for improvement----------------------------------------- (80)

References & Sources Used -------------------------------------------------- (81)    

Annexes--------------------------------------------------------------------------- (82-87)

 

Note: The above Internship Report on Bank Alfalah is available. Students may get this report only in Rs 1000/- Students other than marketing area may also get internship report from us. This report has almost 100 pages. Send your email at vuaccess@gmail.com.

Internship Report on Gulberg Fashion 2016

Internship Report


On

Gulberg Fashion

This internship report is to be submitted for fulfillment of degree requirement of

Master of Business and Information Technology

By

Aamir iqbal anjum

MBA (Dual) Marketing and HRM
Presented to:

Dr. Nayyar Raza Zaidi
Institute of Business and Information Technology

University of the Punjab

Dedicated to my Parents


Without their knowledge, wisdom, guidance, and prayers, I would not have achieved the goals I have strived for and the best to reach my dreams.


Acknowledgement


I thank Almighty Allah who blessed me and made it possible for me to complete this internship report. I am also very grateful to may parents who supported me during the hard times I faced. I wish to express profound gratitude to my teacher Sir Mansoor Mehmood for his persistent guidance, keen interest and continuous encouragement.



I am also thankful to all my teachers of IBIT who taught me and helped to apply the bookish knowledge into practical life. I am also extremely thankful to all my team of Gulberg Fashion who made this project possible for me.


Executive Summary



I considered many options in deciding where to do my internship. My option included working in a Bank, working with Insurance Company or working in Textile sector. I decided to work in a textile company as 68% of the Pakistan’s export is dependent on Textile. I think Textile sector has bright future in coming years. Keeping this in mind, I decided to start my internship in Gulberg Fashion.


Gulberg Fashion is engaged in processing raw fabric to finished products and exports these products to different countries. Gulberg Fashion is situated in Sialkot and same location is for its head office. I worked in the head office and paid occasional visits to the factory in order to visualize the production process. I worked with all the departments which are:

1. Accounts and Finance Department
2. Marketing Department
3. Import and Export Department
4. Purchase Department


I started with the Finance Department as it is related with my major. In my internship I learned how to manage accounts for all types for the efficient working. To do the internship was much more important to me because it was not only the degree requirement but also an opportunity to grab practical experience before starting my professional career by getting proper employment in the business.

Introduction



Gulberg Fashion was established in 2001 in Sialkot for meeting the demand of good quality fabrics worldwide. The unit started operations in 2001 and its production capacity fulfilled the expectations of the management and proved as a successful venture.

Top management and all the employees, by hard work and sincere efforts, increased the exports of the company so that it became the leading fabric exporter in Sialkot. Gulberg Fashion is exporting its products to several countries including UK and UAE.

Now by the grace of Allah (the Almighty) Gulberg Fashion is one of the successful and leading exporters of fabric and garments.

Profile of the Industry
 
Overview


The textile manufacturing sector includes companies engaged in various textile products such as yarn, thread, twine, and knit fabrics, textile dying, coating, and waterproofing. Finished textile products include apparel, leather, curtains and drapes, canvas sheeting, and other fabric items. Pakistan exports are high dependent on the textile industry. Pakistan has become one of the leading cotton producing country.



Size, concentration, structure

Pakistan is the fourth largest cotton producing country in the world. Pakistan’s main share of textile products is more than 50% yarn only. Today Pakistan’s textile industry is based on 60% on spinning sector, 22% on weaving sector, and 18% on the finishing sector.



Share of the textile sector in Pakistan’s economy, along with its contribution to exports, employment, foreign exchange earnings, investment and value added in industry, makes it the single largest determinant of the growth in the manufacturing sector. It has 46% share in overall manufacturing activity, 68% share in export earnings with the value of $7 billion. The value addition in this sector accounts for 9% of GDP and its share in the overall employment is 38%.

Trends

Textile industry is concentrating towards value added products which includes garments, finishing fabric, home textiles, towels, curtains, trousers, shirting, and designer knitwear. The textile industry in the future requires increase of organizations producing value added products to meet growing international demands


Note if you want complete this report in (soft copy) you could email me at vuaccess@gmail.com

Complete report is only in Rs 500

internship report on zarai taraqiati bank 2016

Internship Report on Zarari Tarqiati Bank for the year 2016 is available for submission only in Rs 1000/- . Students are requested to send following information through email to get this report.

Table of Contents

Part One_ 8

Ch. 1:    Introduction of Zarai Tarqiati Bank Ltd. 8

Chapter 1_ 9

History_ 9

Credit Rating_ 11

Corporate Vision_ 12

Corporate Mission_ 12

Corporate Objectives 13

Transformation of ZTBL to R.F.I of the country and road to excellence. 14

Branch Network_ 16

Management Hierarchy_ 17

Board of Directors 19

A Brief Resume of President 20

Kissan Support Services Ltd. 23

KSS Aim_ 23

KSS Operation_ 23

Objectives 23

Services/Activities so far undertaken by KSS 24

Chapter 2_ 25

Products and Services 25

ZTBL Locker Facility 25

Products offered to Meet Finance Need of Farmers 26

Types of Loans Advanced_ 26

Loan Schemes 27

Supervised agriculture scheme: 27

Zarkhaiz (one window operation) 27

Sada Bahar Scheme_ 27

Tea financing scheme_ 28

Crop maximization project 28

PER ACRE CREDIT LIMITS_ 30

Major Crops 30

Minor Crops 30

Growing Agro Forest Trees 31

Growing Orchards 31

Mature Orchard/Fruits crops 32

Types of Security_ 33

Immovable Property 33

Moveable Property and Guarantees 33

Personal Surety 34

Debt Equity Ratio_ 35

Repayment Periods 36

Recovery Procedure_ 36

A) Recovery Schedule_ 36

b) Issuance of Notices 36

c) Legal Action_ 36

d) Rescheduling of Loan Repayment Facility 37

d) Down Payment for Rescheduling of Loans 37

Chapter 3_ 38

Horizontal Analysis of Balance Sheet 38

Vertical Analysis of Balance Sheet 39

Horizontal Analysis of Profit & Loss 40

Vertical Analysis of Profit & Loss 42

Interpretation of Horizontal and Vertical Analysis 44

Interpretation of Horizontal and Vertical Analysis of Balance Sheet 49

Cash and Balance with Treasury Banks 49

Ratios 52

Key Financial Trends of 2015

Credit Risk_ 57

Market Risk 58

Liquidity 59

Profitability 60

Capitalization_ 61

Chapter 4_ 65

SWOT Analysis 65

Strengths 65

Weaknesses 66

Opportunities 67

Threats 68

Part Two_ 69

Ch. 5:    Assignments I handled during my Internship. 69

Chapter 5_ 70

Organogram of Mian Channu Branch_ 70

Redemption of loan_ 71

Opening of Current Account 74

1: Acquiring Original CNIC_ 74

2: Filling Current Account Form_ 74

3: Filling of Know Your Customer Form_ 75

4: Current Account Specimen Card_ 76

5: Registering name in the Current Account Register (Issuance of A/C No.) 76

6: Filling of Deposit Slip of starting amount 77

7: Signing by AMO and Manager 77

8: Issuance of Cheque book 78

9: Opening account in the ledger of bank 78

ZTBL Flood Relief Fund 2010_ 81

Writing of Vouchers 83

1. Debit Voucher 83

2. Credit Voucher 83

3. Transfer Voucher 83

Sample of Debit/Credit Voucher 84

Sample of Transfer Voucher 89

Daily Transaction Scroll 90

Making Entries in the Ledgers 92

Disbursement and Recovery Entries 92

Revolving SBS Loan_ 94

Opening and Closing Cash_ 97

Key Register 97

Safe Register: 97

Dispatch and Diary_ 98

Recommendations 98

Conclusion_ 100

                                                                                                                      

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