Internship Report On Habib Bank Limited

Habib Bank Ltd.
Report, 2010
Internship
Executive Summary
Department of Management Sciences demands every student of BBA/MBA program to go a procedure of 4 to 6 weeks internship course and to present the report based on the observations and work done during the training practice. t is actua!!y the appraisa! of any organi"ation current!y running its business# having its competitors. t is a!so meant for discovering the weaknesses and shortcomings and then giving the suggestions for perfection. have fu!fi!!ed my eight weeks internship at $abib Bank %imited# &he s!amia 'niversity Branch Bahawa!pur and tried my !eve! best to achieve something sensib!y from this opportunity.
n my internship
opened many accounts of the customers( most of them were the a!so did a !ot of work on the pension and
emp!oyees of &he s!amia 'niversity.
sa!ary days. As there is a bunch of crowd on these days so he!ped the staff of the bank by fi!!ing out the pension forms and then recording the entries in the register of the )ension *ecords. n this way we winded up the work +uick!y and in !ess time.
Department of Management Sciences demands every student of BBA/MBA program to go a procedure of 4 to 6 weeks internship course and to present the report based on the observations and work done during the training practice. t is actua!!y the appraisa! of any organi"ation current!y running its business# having its competitors. t is a!so meant for discovering the weaknesses and shortcomings and then giving the suggestions for perfection.
Habib Bank Ltd. Report, 2010
Internship
have fu!fi!!ed my eight weeks internship at $abib Bank %imited# &he s!amia 'niversity Branch Bahawa!pur and tried my !eve! best to achieve something sensib!y from this opportunity.
&his internship report starts from the introduction on word ,BA-. -/0 and then history of $abib Bank %imited of )akistan i.e. how it he!ped the nation and country in any way.
Bank mission and vision statement shows that it focuses on overa!! performance of bank and +ua!ity of service and products.
&he main ob1ective of the bank is to rea!i"e the rea! importance of its customers and is profit2oriented.
A bank performs basic functions that are3 Accept money as deposit nvesting deposits to earn profit Misce!!aneous functions
4ach branch of the bank is divided into different sections on the basis of these basic functions.
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Deposit Section opens different accounts of c!ients and maintains record of

money deposits from the customer and credited it into his account. t a!so maintains record of payment to the customer when he presents che+ue.
Remittance and Collection Section dea!s with customers who want to

transfer or co!!ect their money from other city.
Clearance Department dea!s with the c!earance of che+ues of other banks and
a!so the che+ues can be c!eared at any branch of bank.
have a!so given the S56& Ana!ysis of $B% which shows that the bank as many Strengths and 5eaknesses and a!so with many 6pportunities there are numerous &hreats as we!!.
After this have suggested and recommended how bank can improve its working and f!ourish.
a!so faced some cha!!enges and prob!ems before# during and after my internship in the bank which have added in the report
n the end have given conc!usion of the entire report.

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INTRODUCTION OF ORGANI
ATION
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!"at is #an$%
Bank is an institution which revives money from one party and lends to another party.
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&here are different views about origin of the word 7Bank8. According to some peop!e the word 7Bank8 is derived from the wor!d 7Bancus8 which means a 7Bench8. &hey argue their point by this transacted their business of money e9change on the benches. f the business of any businessman fai!ed# his bench was destroyed by the peop!e. Due to this practice the word 7Bankrupt8 was a!so used. 6n the other hand some peop!e say that the wor!d 7Bank8 is derived from /erman time the word 7Bank8 was rep!aced by the word 7Bank8 which is ca!!ed 7Banco8 in ta!ian !anguage.
T"e &an$ can &e de'ined as a ('inancial institution t"at &orro)s money 'rom one party and lends to t"e ot"er party *Government+ individual+ &usiness, and t"e di''erence &et)een &orro)in- and lendin- ma$e pro'it 'or t"e &an$./
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n Simp!e words we can a!so say that bank is a pipe!ine through which money moves into and out of circu!ation. Bank accepts deposits and repays cash to its customers on demand. &he bank borrows money at a !esser rate of interest and !ends it to the borrower at a higher rate. &he history of banking evo!ution is very interesting. n the ear!y ages human !ike and wea!th was not secure. Due to fear of !oot2mar and theft peop!e buried their wea!th under !and but this method was not satisfied. )eop!e started to search the custodians of wea!th. &he evo!ution of banking started and it has crossed the many stages.
!"y #an$ is important%

Bank p!ays a significant part in the economic e9istence of nation. &he growth of economy is strong!y re!ated to the re!iabi!ity of its banking system. A!though banks create no new money but they borrow# e9change and use wea!th. n this way they become very va!uab!e partners in the process of economic deve!opment.
&he fundamenta! ro!e of bank is to persuade the habit of savings among the peop!e and to activate these savings for investment purposes. Banks serve in capita! formation.
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f there are no banks then there wou!d be concentration of capita! in few hands and the great fraction of capita! of the country wou!d remain inactive.
%oan faci!ity provided by the bank works as an encouragement to the produce to increase production. Banks offer transfer of payment faci!ity# which is cheaper# +uicker and safe. &hese faci!ities are very much accommodating for the deve!opment of commerce and trade.
Types o' #an$s

Banks are c!assified according to their fie!d of activity( the main types of banks are as under.
:ommercia! banks ndustria! banks.
Agricu!tura! banks
Saving banks.
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49change banks.
:entra! banks
:ooperative bank
Commercial #an$
:ommercia! bank is occupied in performing the routine duties of banking business. Such bank co!!ects the money from the peop!e ;as borrowing< and e9tends the same money as a !oan for deve!opment purposes.
:ommercia! banks are having profit earning concerns. &hey receive deposits and advance !oans to the borrowers. &hey great!y he!p in financing for interna! and e9terna! trade of the country
So we can say that commercia! banks are companies 7which transact business of banking in )akistan8. :ommercia! banks have constituted the most important source of institutiona! credit in the economy of )akistan. 4 9 a m p ! e o f c o m m e r c i a ! banks in )akistan is $B%# 'B% etc.
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Functions o' Commercial #an$s0

&oday there are more than =>>> branches of commercia! banks a!ong with an estab!ished network of supp!ementary financia! institutions. &he function of a modern commercia! bank can be divided under four headings as3 Acceptance of deposits Advancement of !oans Agency service /enera! uti!ity Service
1istory o' &an$in- in 2a$istan

At the time of independence# there were 4?= offices of schedu!ed banks in the territories now constituting )akistan. @o!!owing the announcement of independence p!an in Aune BC4=# the $indus residing in the territories now comprising )akistan started transferring their registered offices in )akistan# transferred them to ndia in order to bring a co!!apse of the new state. By D> th Aune BC4?# the number of offices of schedu!ed banks in )akistan dec!ined from 4?= to on!y BCE.
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#AN3ING IN 2A3ISTAN
)akistan has indeed uni+ue banking history commencing as were from scratch at the time of )akistan of this subcontinent. $owever it soon comes over its e9tra ordinary banking prob!ems and by grace of A!!ah we have a stab!e banking sector.
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1ISTOR4
OF
1A#I# #AN3 5I6ITED
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1a&i& #an$ 5imited

1a&i& #an$ 5imited common!y referred to as F 1#5F and head2+uartered in $abib Bank )!a"a# .arachi# )akistan# is the !argest bank in )akistan. &he bank has a network of over B4E> branches in )akistan and EE branches wor!dwide. t has a domestic market share of over 4>G. t continues to dominate the commercia! banking sector with a ma1or market share in inward foreign remittances ;EEG< and !oans to sma!! industries# traders and farmers.
Mohammed A!i Ainnah# )akistanHs founding father# rea!i"ed the importance of financia! intermediation whi!e he was campaigning for the creation of a separate home!and for the Mus!ims of ndia. $e persuaded the $abib fami!y to estab!ish a commercia! bank that cou!d serve the ndian Mus!im community. $is initiative resu!ted in the creation of $abib Bank in BC4B# with $6 in Bombay ;now Mumbai<# and fi9ed capita! of IE#>>> rupees. &he bank p!ayed an important ro!e in mobi!i"ing funds from the Mus!im community to finance the A!!2 ndia Mus!im %eagueHs campaign for the estab!ishment of )akistan. $abib Bank a!so p!ayed an important ro!e in channe!ing re!ief funds to Mus!ims hurt in the communa! riots and vio!ence that preceded the departure of the British from ndia.
After )akistan was born in BC4=# $abib Bank# at the urging of /overnor2/enera! Ainnah# moved its head+uarters to .arachi# )akistanHs first capita!. &his gave .arachi its first commercia! bank of the new!y formed )akistan. &he $abib fami!y owned and managed the bank unti! the )akistan government nationa!i"ed it on B Aanuary BC=4.
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$B%0s first internationa! branch was estab!ished in :o!ombo# Sri %anka in BCEB and $abib Bank )!a"a was bui!t in BC=I to commemorate the bank0s IE th Anniversary.
6n Aune BD# I>>I )akistan0s )rivati"ation :ommission announced that the /overnment of )akistan had forma!!y granted the A-"a 3"an Fund 'or Economic Development *A3FED, rights to EBG of the shareho!ding in $B%# against an investment of ).* II.4>C bi!!ion ;'SD D?C mi!!ion<. 6n @ebruary I6# I>4# management contro! was handed over to A.@4D. &he Board of Directors was reconstituted to have four A.@4D nominees# inc!uding the :hairman and the )resident/:46 and three /overnment of )akistan nominees.
t was $B% that introduced products such as :redit :ards# A&Ms# &rave!ers
:he+ues# etc.# to the )akistani market. &oday# $abib Bank is tru!y the bank of the peop!e# providing its customers convenience and satisfaction a!! over the wor!d. $B% p!ays a centra! ro!e in )akistanHs financia! and economic deve!opment. $abib Bank )!a"a# the ta!!est bui!ding in )akistan# is the proud symbo! of $B%0s !eadership in )akistan0s corporate arena.
$abib Bank offers the basic range of banking services to its customers# to inc!ude :ommercia!# :orporate# nvestment# and *etai! Banking# &reasury# and s!amic Banking. t has more than B4?C branches a!! over )akistan and presence in I6 countries across five continents. 5ith a revamped customer oriented phi!osophy# we
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are pursuing new avenues of !eadership through innovation# as it gear up to face the cha!!enges of the new mi!!ennium.
7ISION+ 6ISSION 8 7A5UES
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7ision o' 1#5

74nab!ing peop!e to progress with a confidence and success.8
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6ission o' 1#5

7&o be recogni"ed as the !eading financia! institution of )akistan and a vibrant internationa! bank in the promising markets# providing our customers with a best set of origina! products and services# and granting superior va!ues to our stakeho!ders J shareho!ders# customers and emp!oyees.8
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Core 7alues
$B% is abso!ute!y trapped with a business phi!osophy that incorporate five concrete va!ues which each individua! associated with the bank abides by. 6ur va!ues are the fundamenta! princip!es that define our cu!ture and are brought to in our !ife in our attitudes and behavior. t is our va!ues that make us uni+ue and unmistakab!e. 6ur va!ues are defined be!ow3
9, Excellence
&his is at the core of everything we do. &he markets in which we operate are becoming increasing!y competitive# giving our customers an abundance of choice. 6n!y through being the very best 2 in terms of the service we offer# our products and premises 2 can we hope to be successfu! and grow.
:, Inte-rity
@or us# integrity means a synergic approach towards abiding our core va!ues. 'nited with the force of shared va!ues and integrity# we form a network of a we!!2integrated team.
;, 6eritocracy
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At every !eve!# from se!ection to advancement# we have designed a consistent system of human resource practices# based on ob1ective criteria throughout a!! the !ayers of the organi"ation. $B% is therefore# ab!e to achieve a specific !eve! of performance at every !ayer of the organi"ation.
<, Customer Focus

5e understand fu!!y the needs of our customers and adapt our products and services to meet those. 5e a!ways strive to put the satisfaction of our customers first.
=, 2ro-ressiveness
5e be!ieve in the advancement of society through the adoption of en!ightened working practices# innovative new products and processes# and a spirit of enterprise.
O&>ectives
&he bank0s main aim is to provide better and efficient services to its domestic and efficient customers and overseas customer regarding the need for improving the financia! performance of the company. -e9t are some of the main ob1ectives of $B%. K &o get profit for the Bank itse!f and ma9imi"e its shareho!der0s va!ue. K &o offer so!utions for mu!tip!e re+uirements of c!ients of assorted financia! nature. K &o cope with the changing trends of the modern day financia! market.
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K &o be a diversified bank by offering a!! basic consumer services a!ong with specia!i"ed services K $onest and ethica! conduct# inc!uding ethica! hand!ing of actua! or apparent conf!icts of interest between persona! and professiona! re!ationship. K &o provide emp!oyment opportunities to peop!e. K &o he!p in deve!opment and industria!i"ation of the country
ORGANI
ATION
STRUCTURE
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Domestic Structure
5ith a domestic system of B4>? trade branches and B= business branches which are we!! !ocated in a!! cities and towns of the country# the bank provides the entire banking services counting consumer and corporate finances# !easing# investment and money market transactions etc.
International Structure
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&hrough its BE overseas offices inc!uding branches# !oca!!y inc!uded subsidiaries and 1oint ventures# the bank has internationa! presence in I6 countries encompassing the 'nited .ingdom# :ontinenta! 4urope# the Midd!e 4ast# Southeast and @ar 4ast Asia# Africa# Austra!ia# and the 'nited States. Besides providing banking services to the emigrants )akistanis# these offices a!so he!p out in deve!oping !inkages between )akistan and the internationa! financia! set2up.
Operational Structure
$B% is among the principa! commercia! bank of )akistan. t accounts for a considerab!e share ;4>G< of the entire commercia! banking market in )akistan with a set2up of B#=>E domestic branches( EE overseas branches in I6 countries e9tend over 4urope# the Midd!e 4ast# @ar 4ast# Asia# Africa and the 'nited States( D $B% who!!y owned subsidiaries e9p!icit!y $abib Bank @inancia! Services ;pvt< %td. ;.arachi<# $abib @inance nternationa! %td. ;$ong .ong< and $abib @inance Austra!ia %td. ;Sydney<( I 1oint ventures name!y $abib -igeria Bank %td. ;4>G< and $ima!ayan Bank %td. ;I>G<( and I de!egate offices in ran and 4gypt.
Retail #an$in*etai! banking of $B% consists of trade !ending# deposits# and banking services to private individua! and sma!! businesses.
Corporate 8 Commercial #an$in-
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:onsists of business customers and savings banking# inc!udes advices and p!acements to commercia! mergers and ac+uisitions# underwriting# privati"ations# and securiti"ations.
O)ners"ip Structure
$B% operated under /overnment possession from BC=42I>>4. After privati"ation in I>>4# EBG of the bank0s shares were purchased by the Agha .han @und for 4conomic Deve!opment# an organi"ation of the Agha .han Deve!opment -etwork. &he administration of )akistan is e9pected to s!ow!y strip its remaining 4CG shares in the bank.
#usiness Se-ments
A segment is a noticeab!e constituent of the bank that is occupied in providing product or service ;business segment<# or in providing products or services within a particu!ar economic environment ;geographica! segment<# which is sub1ect to risk and rewards that are different from those of other segments. &he bank0s primary !ayout of reporting is based on business segments.
Geo-rap"ical Se-ments
&he bank operates in five geographic regions# being3
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)akistan Asia )acific ;inc!uding South Asia< 4urope -orth America Midd!e 4ast 6thers
#oard o' Directors

!"at does #oard o' Directors do%
&o construct the po!icies in order to support the business of bank.
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&o announce the profits on deposits. &o dec!are the rate of interest on advances and !oans. &o make the po!icies for the benefit of bank recruits.
5ist o' #oard o' Directors

Sultan Ali Allan C1AIR6AN
R. a$ir 6a"mood
)*4S D4-& L :46
6us"ta? 6ali$
D *4:&6*
A"mad @a)ad
D *4:&6*
4asin 6ali$
D *4:&6*
6oeA @amal
D *4:&6*
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6ana-ement
5ist o' 6ana-ement
R. a$ir 6a"mood So"ail 6ali$ Saima 3amil Nauman 3 Dar
2RESIDENT 8 CEO * S. MA-A/4M4-& :6*)6*A&4 BA-. -/ -&% BA-. -/ L :46 $AB B A%% 4D -& BA-.
AyaA A"mad A&id Sattar
:$ 4@ @ -A-: A% 6@@ :4* *4&A % L :6-S'M4* BA-. -/
a'ar AAiA Usmani 6udasir 3 3"an @amil I?&al FaiAan 6it"a Saleem Amlani Aslam Gatit Tulu Islam
$* L 6*/ D4M4%6)M4-& /%6BA% 6)4*A& 6:$ 4@ :6M)% A-:4 6@@ :4* /%6BA% &*4AS'*N A'D & L -M4S& /A& 6ASS4& *4M4D A% MA-A/4M4-& & L SNS&4MS
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6irAa Saleem #ai3as"i' S"a" Aly 6ustansir
:6MM4*: A% BA-. -/ -M4S&M4-& BA-. -/ B*A-D MA-A/4*
6ana-ement 1ierarc"y
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)resident
Board of Directors
Member 49ecutive Board
Oona! :hief
Branch Managers
FUNCTIONS AND DE2ART6ENTS

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FUNCTIONS OF 1#5
#asic Functions
*eceiving of money and deposits
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%ending and investing the deposit money Misce!!aneous functions
6iscellaneous Functions
:o!!ecting negotiab!e instruments on beha!f of customer. ssuing %etter of :redit for the customer. *eceiving va!ues for safe custody. ssuing guarantees and %:0s. 'ti!ity services. &ransfer money from one p!ace to another. /iving there customer !ife insurances for better future.
Departments o' 1#5

A variety of departments are working in a!! the branches of $abib Bank %imited to smooth the progress of banking for the customers. @ew of them are3
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9, Account Openin- Department3

Account opening is a contract in which customer offers his finances and bank accepts those funds# hence the nature of re!ation between a banker and customer is of a contractua! one and a!! the conditions pertinent to this agreement act are a!so app!icab!e.
&he essentia! function of accounts department is to open fresh customers account and assist the customers for the account opening purpose.
A, Types o' accounts0

Depositors can open fo!!owing types of accounts. :urrent account )rofit and %oss account Basic Baking Account
Current AccountBDemand Deposit0

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n this category of account the customer is permitted to withdraw or deposit money as and when he !ikes. 'n!ike term deposit there is no restriction of withdrawa!s. &he depositor can draw or demand amount money at any time by presenting the che+ue in the bank. -o revenue or interest is specified on these accounts. &hese types of accounts are genera!!y maintained by the businessmen who may draw money at any time. Oakat is a!so not deducted on these accounts and no any notice is necessary for the withdrawa! of money. n urbani"ed and deve!oping countries a very noteworthy amount of money is kept under current account.
2ro'it and 5oss *25S, Account0

&hese sorts of accounts are one footstep towards the s!amisation of banking system in )akistan. 'nder such accounts bank a!!ows no interest to the customers. @o!!owing each si9 months the e9ecutive board of the bank specifies the profit/interest on this account and the rate of profit is dec!ared by the $ead 6ffice $abib Bank %imited. 6n the first of *amadan Oakat is deducted at the rat of I.EG. f any customer does want to pay the Oakat form his account then he must give an affidavit that he wi!! give Oakat by himse!f or he be!ongs to @i+ah2e2Aafria. %imitation on withdrawa! of heavy ba!ances is now abo!ished. :ustomer can withdraw heavy amount within the banking hours without giving any notice.
#, Re?uirements 'or Openin- an Account0

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A copy of D card of both introducer and customer 6rigina! D for verification copies of student card for students and
appointment !etter from the emp!oyees of 'B. f customer use thumbs impression then must give his D recent photographs. -e9t of kin3 the customer must c!ear that who is responsib!e for the account in his absence. :ustomer must be present at the time of opening the account.
C, 1o) to open an account0

&here is a definite officia! procedure which is to be observed for opening a current or saving account with a Bank. &hese forma!ities in brief are as under3
I.
Formal Application0
&he customer is to fi!! an FAccount 6pening @orm8. t is a officia! re+uest by a customer to the bank to permit him to have and manage the current or saving account.
II.
O&tainin- Introduction0
&he bank previous to opening an account obtains introduction of the customer from an o!d customer# responsib!e person etc
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III.
Specimen Si-nature0
5hen the Banker is contented about the truthfu!ness of the customer# he agrees to open the account. &he Banker then obtains the specimen signatures of the customer on the signature book or on card.
I7.
6inimum Initial Deposit0
n )akistan the current account can be opened with a minimum ba!ance of *s. E>>/2 and )%S Saving Account with a minimum of *s B>>/2 &hese amounts are a!so the minimum ba!ances to be maintained by the account ho!ders with the bank.
7.
Operatin- T"e Account0
5hen an account is opened in a Bank# the Banker gives to the customer. i. )ay in s!ip book. ii. :he+ue Book and pass book with a view to operate it.
C"e?ue &oo$0
t is a printed book of b!ank che+ues provided by the bank to its customer for drawing money from their account. Different che+ue books are avai!ab!e for the current and )%S account.
Issuance o' c"e?ue&oo$0

@or issuance of che+ue book of a new account# the customer first fi!!s out the re+uisition s!ip and submit it to the re!evant officer# who in turn wi!! issue che+uebook to the customer within 42E days or a week. &he officer wi!! enter the date# account tit!e# number of !eaves# che+ue number from start to end# account numer and the
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signature of the app!icant on the che+uebook issuance register. &he officer wi!! a!so enter the account number on each che+ue of the book and in case of photo account ; either having thumb impression or shaky signs< stamp is impressed written 8 A!! the che+ues to be signed in the presence of the bank officer;this stamp is impressed on the che+ue books of those peop!e who have shaky signs< 7*ight or !eft thumb wi!! be affi9ed in the presence of bank officer8 ;&his stamp in impressed on the che+ue books of those peop!e who use thumb impressions<. And in case of Minor0s account# every che+ue has a stamp impressed written 7&he account wi!! be operated by minor if even minor attains the age of ma1ority.8
D, !it"dra)al 'rom an Account0

5ithdrawa! is done through che+ues supp!ied by the Bank. A new che+ue book is issued on!y on receipts of the re+uisition s!ip attached to the che+ue book issued ear!ier and this offered a!ong with the depositor pass book for entire against che+ue book cha!!an. :he+ue book is issued on prudence of the branch manager.
E, Trans'er o' an Account0

Account can be transferred to any other branches of $abib Bank %td.# free of charge. f a shareho!der wants to transfer his account# he presents his pass book individua!!y or sends it to Bank and writes a re+uest for the transfer of an account.
F, Closin- o' an Account0

A shareho!der ready to c!ose his account must present his pass book in order that withdrawa!s and the amount of interest due on the account is entered within and fina! ba!ance stuck. &his ba!ance is then paid to the depositor and his proof of payment is
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taken# the pass book is cance!ed# unused che+ue forms on hand are a!so surrendered at the same time.
G, Secrecy0
&he confidentia!ity of depositor0s account is the responsibi!ity of every officia! engaged in the Bank service.
1, 6oney Deposited or Dra)n &y 2ost0

5hen currency is sent by post for deposit# the pass book and a !etter starting the amount of the deposit and the number of the account escort it. 5hen a depositor desires to withdraw money by post he must forwards his pass book with a !etter stating the number of his account# the amount to be drawn and either the money is to be remitted by money2 order or in currency notes registered.
:, Remittance Department0
*emittances are arithmetic of money sent in payment for or against something. &he remittance department is chief!y concerned with these payments. As it is the responsibi!ity of the bank to pass on the money to any p!ace where there is a bank. *emittance is the chief department of the bank. t is the easiest and safest way to send money to any situate. *emittances are divided into3
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A, In)ard Remittance0
nward remittances refer to payment in goodwi!! of the banks account ho!ders. nward remittance inc!udes a!! che+ues received for co!!ection i.e. che+ues and drafts received for the payment and c!earance or drawn on us from customers or other bank on beha!f of their customers are ca!!ed remittance inward.
#, Out)ard Remittance0
6utward remittances are the entire payments prepared to other peop!e on beha!f of the account ho!ders in the bank. 6utward remittances can a!so be done for non2 account ho!ders who deposit cash in the bank and remittance too!s are prepared for them. n short# a!! instruments issued by us which are drawn on other branch of the same bank or instrument deposited for co!!ection from other bank !oca!!y or out of the city is ca!!ed remittance outward.
Types o' Remittance0

$abib Bank %td. 6f )akistan dea!s with the fo!!owing types of remittance3
I.
Demand Dra't0
Demand draft is the on paper order given by one branch of the bank on the beha!f of c!ient to another branch outside the city of the same bank for a certain amount to the certain person. t is the most common!y used method for the remittance of money. t is very simp!e# first!y a form is to be fi!!ed# in which a!! detai!s are specified that where and in which branch the draft is to be sent then the money is deposited which is ca!!ed draft and
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money can by drawn after showing to the bank of the specified branch of the bank. 6n!y specified person can draw the money on that draft. Another method to secure the payment of the draft cou!d be the crossing of the draft which means that it wi!! on!y be deposited in the payee0s account.
t is unconditiona! order. &he payee is not bound to have an account in the bank. t is issued to rest of the customer and the bank receives the charges and e9change.
II.
2ay Order0
A pay order is on paper order issued by the bank on its own branch# drawn upon and payab!e by itse!f to pay a particu!ar sum of the money to the person. &he purpose of the pay order is to transfer the funds from one p!ace to another. t is usua!!y not issued in favor of the parties of other cities. 'sua!!y the pay order is issued for the !oca! transfer of money between the parties. )ay order is !ess cost!y method of re!ocate money. -orma!!y this method is used to transfer money inside the city. f it is used city wide# it takes a !ong time.
2rocedure o' DD and 2ay order0

@irst remittance app!ication form is fi!!ed that is etched in anne9ure of the report. $ere the customer is re+uested to fi!! update# branch# amount# che+ue P# beneficiary detai!s( his comp!ete name# address# :- : no.# account no. and the detai!s of the app!icant.
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:ustomer is asked to submit money on the counter by first fi!!ing the pay in s!ip and re+uired amount is received by customer from the customer. :ash is received by the cashier on counter and he p!ace stamps on the pay in s!ip and give the receipt to the customer. &hen the remittance department wi!! make the DD or pay order and then handed overt to customer.
;, Clearin- Department0
7:!earing house is a p!ace where ambassador# of a!! bank get together for the intention of setting the inter bank indebtedness arising from the transmit of deposit by a customer of a particu!ar bank to another bank.8
&his is a superf!uous banking faci!ity which is provided to the community in this if they are maintaining an account with the $B% they can !odge :he+ue of any bank in )akistan# which wi!! be co!!ected and credited to their respective accounts through the course of c!earing. n this representatives of various banks are gathered at State Bank of )akistan and e9changes the :he+ue presented to them for debit of the respective accounts and in second round of meeting provide each other the fate of those che+ues to be credited to respective accounts.
5hen peop!e present the :he+ue of any other bank for c!earing# first enter the :he+ue into the c!earing register of the bank. &hen this :he+ue sent to the - @& for c!earing. - @& is the department which is created by the SB) for c!earing the checks of different banks.
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NIFT
-ationa! nstitutiona! @aci!itations &echno!ogies ;)vt< !imited was estab!ished in BCC= by the banking giants of )akistan# i.e. $B%# -B)# AB%# M:B. - @& has the b!essing and the support of the SB). t has offices in a!! the ma1or cities of )akistan. - @& faci!itates the c!earing of che+ues between institutions !oca!!y ;within the city<. t is a!so referred to as the 7Automated :!earing $ouse8.
NIFT co!!ects che+ues# demand drafts# )ay orders# &rave!ers :he+ues# etc. from a!! the branches of different banks within city through its carriers and send them to the branches on which these are drawn for c!earing. After the branches approve the instruments drawn on them# - @& prepares a sheet for each branch showing the number for instruments and amount in its favor and drawn on it and sends it to each branch.
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S!OT ANA54SIS
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&he short form S!OT stands for an organi"ation0s interna! Strengths and 5eaknesses and its e9terna! 6pportunities and &hreats. &he princip!e of such e9amination is to assemb!e on company0s strengths in order to take advantage of opportunities and argue against threats and to accurate company0s weaknesses. S56& ana!ysis is based on the supposition that if e9ecutives cautious!y eva!uate such strengths# weaknesses# opportunities# and threats# a va!uab!e approach for making sure manageria! accomp!ishment wi!! become apparent.
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S!OT Analysis o' 1#5

$B% has very effectua! net of branches a!! over the country. 4ach B> th )akistani is account ho!der of this bank. $B% has made enormous savings in a!most a!! the essentia! economic sectors of )akistan. $B% not on!y has made investment in commerce but a!so in sma!! sca!e industry as we!!. $B% has we!!2organi"ed L a sma!!er amount of technica! set up. $abib Bank %td. has introduced month!y revenue p!an that provides a!most ma9imum interest rate. A&M was introduced in )akistan by $abib Bank %td. Master :ard faci!ities are a!so accessib!e to the customers.
HBL is measured to be a very sound bank in the financial circles. It is the bank where the clientele can securely keep their money as long as they want.
n S56& ana!ysis the most e9ce!!ent strategies accomp!ish in organi"ation0s mission by3
1. 2. 3.
&aking advantage of opportunities and strengths. *educing the effect of its threats and 4vading its weaknesses.
Stren-t"s0
A proficiency or potentia! that faci!itates $B% to visua!i"e and put into practice its strategies. &he representatives of $B% are considered as one of the most competent professiona!s in the banking wor!d.
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noticed that $B% emp!oyees cooperate with their c!ients as if they are their persona! friends and ta!k about about their prob!ems as their own.
$abib Bank %imited has ac+uired a consistent and easy to use interna! computer system. A!! information regarding the transactions in customers0 deposits has been automated.
$B% upho!d its data appropriate!y. $B% has very good +ua!ity security arrangement. $B% is the bigger commercia! bank in )akistan with the system of more than B4DC domestic and internationa! branches.
Being the !eading the way of banking in )akistan# $B% is the o!dest and the richest in fami!iarity.
$abib Bank %td. spot!ights on consumer banking by rewarding schemes# products and services suiting best to the re+uirements and demands of the customers.
$B% has opened a!! its branches at marketab!e regions so that the customers face no prob!ems in reaching to the bank.
&he bank is a!! the time on the !ook to get better its services mutua!!y to the domestic as we!! as overseas customers.
$uman resources deve!opment and introduction of new techno!ogy towards contemporary banking.
I4 hours cash access and secure payment products for high va!ue transaction.
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$aving prospective to meet the competitive environment in the market. :ustomer takes benefit from the services at the housing !oca!ities.
!ea$nesses0
Ma9imum number of branches carrying out the proper maintenance and comp!e9ity in providing identica! working atmosphere at the every branch nferior organi"ation of reviva! of the system is a danger to bankruptcy. Be deficient in customer feedback. %itt!e 1ob contentment. )itiab!e A&M0s Service rregu!arity in efficiency and working environment due to the !argest of branches. Sense of uncertainty in the emp!oyees a!!ocated at !itt!e money2making branches due to the down si"ing. @ema!es fee! nervous in an environment in the midd!e of the ma!e workers. )rey of po!itica!# !ega! and socio2cu!tura! stress Short of professiona!ism in the branch emp!oyees fre+uent!y.
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Opportunities0
$uge avai!ab!e market prospective in consumer banking. An opportunity e9ists# in shape of opening of !adies banking segment inside the branch which is comp!ete!y a new idea and it wi!! pu!! customers towards bank. :hance for mounting va!ue added services combined with corporate banking re!ationships# cash management services to !arge and medium si"ed corporate c!ients. 4mergent strategy of government on business and commerce sector provide $B% opportunities to take return of these po!icies to meet professiona!!y with the business peop!e to so!ve their prob!ems with the instant cash and investment faci!ities. /overnment is taking very courageous steps to endorse nformation &echno!ogy in )akistan. $B% has an opportunity to recover its techno!ogy. $uge internationa! net which main!y emphasi"es on trade finance with )akistan can be operated to va!ve trade activities in other markets. n addition# services such as cross border / offshore financing for corporate customers can be improved. :ustomer advice on diverse products and accounts has rea!!y improved the bank performance and encouraged the ambiance for other potentia! po!icies. $abib Bank %td. a!so has an opportunity to en!arge its new techno!ogica! e9pansion !ike( te!e2banking and internet banking faci!ities in a way to serve the customer more competent!y.
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42banking faci!ity too is an innovative opportunity which is a prosperous business in foreign countries and can a!so be here# if $B% takes the step ahead.
Due to we!!2organi"ed and e9pert management group# $B% can a!so deve!op and en!arge its foreign business productive!y. $abib Bank %imited provides opportunity to make use of its abi!ities and efficiencies in !easing business
T"reats0
:onso!idation in the banking segment ensuing in increased riva!ry. Scarcity of +ua!ified and focused personne! at minor manageria! and officer stage. &he danger of irregu!arity and government po!icy concerning about business and economics sectors# specia!!y po!itica! and regiona! situation which makes the environment doubtfu!. ncreasing g!oba! techno!ogica! progression. @irm regu!ation by government over credit conveniences to the customers as poor!y as to meet the prudentia!. %oss of assurance of out of the country customers due to free"ing of accounts. @acing more opposition by overseas banks in the marketp!ace. 6verseas banks are f!ourishing in fie!d of consumer financing. A!so the rising operation of private banks. $igh!y striking and advance services by overseas banks to their customers.
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Financial Analysis
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9. Return on Assets
FOR6U5A0 Net pro'it a'ter Tax B Total AssetsC9DD
4ear ROA
:DD= 9.GDGI
:DDE :.9;GI
:DDF 9.<=FI
:DDG 9.<=I
:DDH 9.==I
2.50% 2.00% 1.50% 1.00% 0.50% 0.00% 2005 2006 2007 2008 2009 Years
INTER2RETATION0
*6A measures the overa!! effectiveness of management in generating profit with its avai!ab!e assets. &he higher return on tota! assets is considered best. *eturn on assets decreased in I>>= onwards and it was on peak in year I>>6. &his may occurred because of more debt financing in I>>6 as compare to years I>>= to I>>C which resu!ted in dec!ining of net profit and rising of interest cost.
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:. Return on E?uity0
FOR6U5A0 Net 2ro'it B E?uityC9DD
4ear ROE
:DD= :<.9:I
:DDE :<.9GI
:DDF 9E.9HI
:DDG 9E.E9I
:DDH 9E.9I
25.00% 20.00% 15.00% 10.00% 5.00% 0.00% 2005 2006 2007 2008 2009 Years
INTER2RETATION0
*64 measures the return earned on the common stock ho!der0s investment on the firm. /enera!!y the higher the returns the better off are the owners. n I>>E and I>>6 *64 is very high which indicates that the more efficient management is uti!i"ing the e+uity base and is giving a better return to its investors.
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5hi!e in the years I>>= and onwards *64 is decreasing this happened may be due to increased issuance of !ong2term debts.
;. Advances to Deposits0
FOR6U5A0 4ear Advances to deposit Advances B Deposits :DD= F;.;I :DDE FE.99I :DDF F9.H;I :DDG FE.<;I :DDH EE.EDI
78.00% 76.00% 74.00% 72.00% 70.00% 68.00% 66.00% 64.00% 62.00% 60.00%
Years
2005
2006
2007
2008
2009
Interpretation0
&his ratio shows advances of the bank as compared to the deposits. %oans to deposit show a decreasing trend in a!ternative year from I>>E to I>>C. &his shows that the advances of the bank decreased but on the other side bank deposits
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increased. 5hi!e in year I>>6 and I>>? the advances of bank increased and deposits of bank decreased.
<. E?uity to Assets0

FOR6U5A0 4ear E?uity to assets E?uity B Total assets :DD= F.=DI :DDE G.G<I :DDF H.DDI :DDG G.F:I :DDH H.E<I
10.00% 8.00% 6.00% 4.00% 2.00% 0.00% 2005 2006 2007 2008 2009 Years
Interpretation0
&he e+uity to assets ratio shows the profitabi!ity and finance of the bank. n I>>E ratio is !owest this means that much of the bank is financed by !oans. @rom I>>6 to onwards this ratio increased to C.64G in I>>C showing better financia! and profitabi!ity position of the bank as appro9imate!y a!! of the !ong term capita! is e+uity.
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=. Deposits to total 5ia&ility0

FOR6U5A0 Total deposits B 5ia&ilities
4ear :DD= Deposits to GG.=EI lia&ility
:DDE G=.:I
:DDF G=.DI
:DDG GF.;EI
:DDH GF.EDI
89.00% 88.00% 87.00% 86.00% 85.00% 84.00% 83.00% 2005 2006 2007 2008 2009 Years
Interpretation0
&his ratio shows the re!ation between the tota! deposits and tota! !iabi!ity. ts va!ue shou!d be high because deposits of the bank shou!d be high than !iabi!ities.
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&he va!ue is decreasing in year I>>6 and I>>= but increasing in I>>? and onwards which is a good sign for the company.
E.
E?uity to deposit ratio0
FOR6U5A0
4ear E?uity to deposit ratio :DD= H.9EI
E?uity B Deposits
:DDE 99.<<I
:DDF 99.F:I
:DDG 9D.HEI
:DDH 9:.9HI
14.00% 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% 2005 2006 2007 2008 2009 Years
Interpretation0
&his ratio shows the re!ation between tota! e+uity to the tota! deposit.
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n I>>E ratio is !owest this means that much of the bank was financed by deposits made to bank rather than e+uity. @rom I>>6 to onwards this ratio is increasing to BI.BCG in I>>C showing better financia! and profitab!e position of the bank as appro9imate!y a!! of the !ong term capita! is e+uity with !ess or no deposits invo!ved in the financing of bank.
F. Investment to total assets0

FOR6U5A0 4ear :DD= Inv. to total :DI assets Investment B Total Assets :DDE :D.9;I :DDF :=.F9I :DDG 9F.;:I :DDH :=.DEI
30.00% 25.00% 20.00% 15.00% 10.00% 5.00% 0.00% 2005 2006 2007 2008 2009 Years
Interpretation0
&he above ratio shows the re!ation between the investment and tota! assets.
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As the ca!cu!ation show that for the coup!e of years the ratio was !ow but the va!ue has increased in year I>>= and I>>C. &his means that the investment has increased a !ot as compared to the assets.
G. Advances to Assets0
FOR6U5A0 4ear Advances to assets 5oans B Total Assets :DD= =H.H9I :DDE :DDF :DDG :DDH
=G.GI
==.:;I
ED.GEI
=:.E<I
65.00% 60.00% 55.00% 50.00% 45.00% 2005 2006 2007 2008 2009 Years
Interpretation0
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&his ratio measures the percentage of funds provided by the creditors. %oan to asset is continuous!y decreasing e9cept in year I>>?. &his continuous decrease shows a decrease to the advances of the bank but on the other side the bank assets increase rapid!y.
H. Cas" to deposit ratio0

FOR6U5A0 4ear Cas" to deposit ratio :DD= 9<.HHI Cas" B Total Deposit :DDE 9F.H:I :DDF 9=.=;I :DDG 9E.DEI :DDH 9F.E9I
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18.00% 17.00% 16.00% 15.00% 14.00% 13.00% 2005 2006 2007 2008 2009
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Years
Interpretation0
:ash to deposit ratio is !owest in I>>E indicating a decrease in cash whi!e in I>>6 it is highest showing an increase in cash and decrease in deposits. @rom I>>= onwards cash is increasing continuous!y but on other hand deposits of bank is decreasing.
9D.
Earnin- per s"are0
FOR6U5A0 2ro'it availa&le to Common S"are"olders B No. o' E?uity 1olders
4ear E2S
:DD= 9;.GEI
:DDE 9G.;DI
:DDF 9<.<HI
:DDG 99.G;I
:DDH 9<.FDI
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20.00% 15.00% 10.00% 5.00% 0.00% 2005 2006 2007 2008 2009
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years
Interpretation0
4)S shows the company0s profitabi!ity. n I>>6 company has a ma9imum 4)S it indicates that company is en1oying profits more as compare to year I>>= onwards ti!! I>>C which shows a tremendous decrease in 4)S showing adverse effect to the company0s profitabi!ity.
99.
Net Interest 6ar-in0

Interest Income B Earnin- Assets :DD= <.H9I :DDE 9.F<I :DDF 9.F<I :DDG 9.GEI :DDH 9.G<I
FOR6U5A0 4ear Net Interest Ratio
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5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 2005 2006 2007 2008 2009 Years
Interpretation0
-et nterest Margin measures difference between interest income generated by banks or other financia! institutions by their !ending and interest paid on borrowing. - M is highest in the year I>>E and then it decreased rapid!y in I>>6 and onwards. &his happened because interest e9penses were greater than the amount of returns generated by investments.
9:.
Net 2ro'it 6ar-in0
FOR6U5A0 4ear Net pro'it mar-in
2ro'it a'ter tax B Total income :DD= ;:.;9I :DDE ;=.99I :DDF ;D.;;I :DDG :F.HDI :DDH :H.H=I
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40.00% 30.00% 20.00% 10.00% 0.00% 2005 2006 2007 2008 2009 Years
Interpretation0
-et profit margin shows how much a firm is earning per do!!ar of sa!es. n I>>6 company is producing highest net profit of sa!es i.e. DE.BBG than in any other given year. After I>>6 the net profit margin is decreasing that is not a good sign for the company0s profitabi!ity.
RECO66ENDATIONS 8 SUGGESTIONS
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spend si9 weeks of my internship in $abib Bank %td# &he s!amia 'niversity Branch Bahawa!pur. During this period fe!t as the part of the bank. t was my first had !ess know!edge about the can e9perience to work in a banking environment.
operations of the bank and its ambiance. &his internship gave me an opportunity to !earn more about the Banking systems. Based on my e9perience in $B% recommend or suggest them which can he!p them in short or !ong2term issues.
So# wi!! give fo!!owing suggestions for the better function of the bank3
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t is strong!y recommended that $B% must introduce emp!oyees training programs on regu!ar basis. So that emp!oyees have awareness about the new deve!opments with the c!ients.
$abib Bank %td. shou!d update a!! the branches throughout the country as the
banking competition is very tight and they have to make their banking systems +uicker and re!iab!e.
$abib Bank %imited even though providing the customer service in better way
but there is a !ot of work to be done in a custom banking due to which emp!oyees work for stretched duration. Management shou!d reduce the burden of the emp!oyees by hiring new +ua!ified staff and trim down the working hours.
f any bad debt comes up# then the bank shou!d recover those debts as soon as possib!e so that its financia! position shou!d improve.
Branch manager0s attitude and behavior shou!d be supportive L friend!y in

order to entertain the difficu!ties faced by the workers.
A!! the additiona! banks are taking ho!d of the customers on very high interest
rate presented to the depositors# $B% shou!d a!so imp!ement some approach to grab the customer and enhance tota! deposits.
&he amount of women emp!oyed by $abib Bank %imited is not as much as

compared to ma!e staff# so it shou!d provide work to more women.
5orking conditions must be improved for the emp!oyees.

mmediate feedback to customer0s in+uiries is essentia! to sustain a hea!thy re!ationship with the customer.
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&op e9ecutive shou!d take a!! the decisions for the promotion of emp!oyees on
the basis of their work done in the bank
Supp!ementary conveniences of !oans shou!d be provided to individua!s for

enhancing the business# studies etc on simp!e state of affairs.
@or financing actions the procedure shou!d be simp!e to the customer. &he recruitment procedure must be reasonab!e and c!ear. Studies must be carried out regarding degree of customer satisfaction and a!!
emp!oyees of this department shou!d !ook forward to get criticism whenever possib!e.
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CONC5USION
1a&i& #an$ 5td.0
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$abib Bank %td. is obvious!y the first and foremost se!ection of each and everyone who be!ieves in +ua!itative approach of banking# an atmosphere of e9treme!y accountab!e emp!oyees. $abib Bank is taking p!easure in a strong market share and en1oying the taste of high2+ua!ity standing in terms of its operationa! features and customer support. $abib Bank %td. is undoubted!y the unsurpassed bank operating in )akistan.
)ersona! !oan is a distinguished feature of $B% e9periencing a good reputation and reasonab!e mark up with respect to prevai!ing market mark up with assurance of satisfaction and support. $B% has additiona! customers as contrast to other banks# if they give appropriate concentration to every customer then in coming few years it wi!! be the principa! bank of the country.
noticed that $abib Bank %td. is an economica!!y sound bank. ts proceeds are increasing gradua!!y more years by year. ts personne! are e9ceptiona!!y good and genuine with the bank. But due to the current economic crash# business of the bank has been reduced.
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$abib Bank %imited views specia!i"ation and service bri!!iancy as the foundation of its po!icy. &he peop!e at Bank understand that innovation# creativity# re!iabi!ity# customi"ed services and their imp!ementation is the important constituent for their future en!argement.
$B% is aware that they have paced into IBst century and they must get together its cha!!enge by obtaining the ma9imum !eve! of techno!ogy. &hus they wi!! be speeding up their techno!ogica! advance to faci!itate them to dea! out their products and services through most professiona! and high techno!ogy way.
$abib bank was among the top banks of the wor!d but in few years it has !ost its position. $B% is not giving any progress due to po!itica! pressure and instabi!ity. 6ther factors ho!ding back the performance of $B% are unproductive and inefficient management. %ast but not the !east corruption is the root cause of dec!ining worth of $B%.
*emoving these factors wi!! not on!y retain the worth and p!ace of $B% but a!so !ead it to top ten banks of the wor!d.
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$B% is !acking in conf!ict management. &here are many prob!ems aroused regarding any issue that !eads to a conf!ict( $B% must be having a conf!ict reso!ving system in which higher officia!s must be invo!ved to have a keen and c!ose !ook on the critica! issues. &he decision making wi!! become easier and beneficia! as the issues are observed by the higher officia!s. &his wi!! resu!t in the decreasing of conf!ict within the organi"ation resu!ting in the motivation of workers as they are now working in ethica! environment# u!timate!y this wi!! !ead to increased productivity of the bank.
$B% took a great step of introducing mobi!e banking. But a huge prob!em $B% is facing is the !ack of know!edge of c!ient. :!ient is unaware of this sort of banking.
$B% can !aunch an organi"ed marketing program to make its customers aware of their product.
$B% has upgraded its system by insta!!ing 7M SNS8 to ensure rea! time banking at its about D>> !oca! and overseas !ocations.
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1a&i& #an$+ T"e Islamia University Old Campus #ranc"0

want to sum up the p!easant e9perience had during my internship program in
$abib Bank %imited# &he s!amia 'niversity 6!d :ampus Branch. worked in various departments of the bank and got the chance to know about the banking operations.
2ension Forms0
6n the first day of internship there was Sa!ary and )ension week was in process. So the bank was crowded with peop!e to get their sa!aries and pensions.
5e were to!d to he!p the bank staff by fi!!ing the pension forms. t was fun but had to do it with responsibi!ity. So and other internees did this work with fu!! enthusiasm.
After fi!!ing out the forms we were asked to record the entries in the register of )ension *ecords. 5e were to!d that there are two types of pension3
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9. 2ersonal 2ension0 &he pension which is taken by the worker or emp!oyee by himse!f/herse!f after he/she is retired from the work it is ca!!ed )4*S6-A% )4-S 6-. :. Family 2ension0 &he pension which is co!!ected by the fami!y i.e. wife# chi!dren etc of the emp!oyee/worker after his/her death is ca!!ed @AM %N )4-S 6-.
4very individua! is assigned a ).). no. through which he is given the pension and then the entry is made in the register of the bank to which the pension is paid. worked in the various departments of the bank. My workings in those areas are as fo!!ows3
Account Openin- Department0
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&his department dea!s with opening account and saving account for its customer and a!! matters regarding there off. opened the current and saving accounts of individua! customers on!y.
5e were to!d that there are five basic steps to open an account of any customer. 9. Add Ne) Customer *ANC, :. Open Customer Account *OCA, ;. Add Customer Address *CAA, <. CustomerJs In'ormation *CI6, =. 3no) 4our Customer * 4C,
.eeping in mind these steps
opened accounts of many customers. Most of them
were the emp!oyees of &he s!amia 'niversity so they wanted to maintain a sa!aried account with the bank. &o open the account the customers were given the account opening form and a specimen signature card to fi!!. And with these c!ients were re+uired to give the copy of identity card and emp!oyment certificate in case they are emp!oyed in any organi"ation.
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After the paper work the information of the customer was entered in the automated system# 64SIS# which then gives the account number for that customer. B4 digit account number is a!!otted to $B% ac ho!ders. &he first four digits are the branch code where ac is going to be opened. Afterwards the ne9t eight digits are customer account seria! number and !ast two digits indicate the type of account.
&his account number wi!! be used to carry out different transactions by the customer as the same number wi!! be imprinted on his che+ue book.
Account can be 6)4-4D with Minimum Ba!ance *s.B>>>/2 with no ma9imum !imit.
Deposits Department0
&his is the fundamenta! department of the bank. &he entire banking system is based upon borrowing. %ike a!! banks# deposit department has acknow!edged its worth as the most important. A!most a!! the operations generated from the deposit department and with due course of time ref!ect back to the deposit department. n order to attract funds bank has introduced various types of deposit schemes that may suit the need and tastes of a !arge number of depositors
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&here are three basic types of deposits3 B. Demand Deposits I. &ime Deposits D. Saving Deposits
Clearin- Department0
:!earing is a system by which banks e9change che+ues and other negotiab!e instruments drawn on each other within a specified area and thereby secure payment for their c!ient through the c!earing house at specified time8 in an efficient way.
&here are two types of c!earing3
In)ard Clearin-0
A type of c!earing in which a bank does payment on the beha!f of customer is ca!!ed nward :!earing.
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Out)ard Clearin-0
A type of c!earing in which a bank co!!ects on the beha!f of customer is ca!!ed 6utward :!earing.
Outward Bills for Collection (OBCS)

&he che+ues# which are sent to their city banks for the !oca! c!earing in that city# are ca!!ed outward bi!!s for co!!ection. a!so prepared these 6B:s during my internship.
&he kinds of c!earing are as fo!!ows3 B. -orma! c!earing I. Same Day c!earing D. nter2:ity c!earing
C"e?ue #oo$0
As to!d above che+ue book is a printed book of b!ank che+ues issued by the bank which is used by customer for further transactions. During my internship observed the issuance of che+ue book.
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Internship
n short# $abib Bank %imited is the first choice of the students who want to gain the practica! e9perience of internship. As being the first mu!tinationa! bank in )akistan# $B% has a!ways strived to achieve more market share by focusing on the needs of its current and potentia! customers. n this regard# 1#5 won 7T1E #AN3 OF T1E 4EAR :DDH/award which is a big achievement for $B%0s management and its hard working emp!oyees.
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Internship Report On Habib Bank Limited

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Internship Report On Habib Bank Limited

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Habib Bank Ltd.

emp!oyees of &he s!amia 'niversity.

Habib Bank Ltd. Report, 2010

Habib Bank Ltd. Report, 2010

Deposit Section opens different accounts of c!ients and maintains record of

Remittance and Collection Section dea!s with customers who want to

n the end have given conc!usion of the entire report.

Habib Bank Ltd. Report, 2010

Habib Bank Ltd. Report, 2010

Habib Bank Ltd. Report, 2010

Habib Bank Ltd. Report, 2010

!"y #an$ is important%

Habib Bank Ltd. Report, 2010

Types o' #an$s

:ommercia! banks ndustria! banks.

Habib Bank Ltd. Report, 2010

Habib Bank Ltd. Report, 2010

Functions o' Commercial #an$s0

1istory o' &an$in- in 2a$istan

Habib Bank Ltd. Report, 2010

Habib Bank Ltd. Report, 2010

1A#I# #AN3 5I6ITED

Habib Bank Ltd. Report, 2010

1a&i& #an$ 5imited

Habib Bank Ltd. Report, 2010

Habib Bank Ltd. Report, 2010

7ISION+ 6ISSION 8 7A5UES

Habib Bank Ltd. Report, 2010

7ision o' 1#5

Habib Bank Ltd. Report, 2010

6ission o' 1#5

Habib Bank Ltd. Report, 2010

Habib Bank Ltd. Report, 2010

<, Customer Focus

Habib Bank Ltd. Report, 2010

Habib Bank Ltd. Report, 2010

Habib Bank Ltd. Report, 2010

Corporate 8 Commercial #an$in-

Habib Bank Ltd. Report, 2010

Habib Bank Ltd. Report, 2010

#oard o' Directors

Habib Bank Ltd. Report, 2010

5ist o' #oard o' Directors

)*4S D4-& L :46

Habib Bank Ltd. Report, 2010

R. a$ir 6a"mood So"ail 6ali$ Saima 3amil Nauman 3 Dar

AyaA A"mad A&id Sattar

:$ 4@ @ -A-: A% 6@@ :4* *4&A % L :6-S'M4* BA-. -/

Habib Bank Ltd. Report, 2010

6irAa Saleem #ai3as"i' S"a" Aly 6ustansir

:6MM4*: A% BA-. -/ -M4S&M4-& BA-. -/ B*A-D MA-A/4*

Habib Bank Ltd. Report, 2010

Member 49ecutive Board

FUNCTIONS AND DE2ART6ENTS

Habib Bank Ltd. Report, 2010

Habib Bank Ltd. Report, 2010

%ending and investing the deposit money Misce!!aneous functions

Departments o' 1#5

Habib Bank Ltd. Report, 2010

9, Account Openin- Department3

A, Types o' accounts0

Current AccountBDemand Deposit0

Habib Bank Ltd. Report, 2010

:$ 4@ @ -A-: A% 6@@ :4* 4&A % L :6-S'M4 BA-. -/

:6MM4: A% BA-. -/ -M4S&M4-& BA-. -/ BA-D MA-A/4*