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Roll # S-10-03
INTERNSHIP REPORT ON
SONERI BANK LIMITED
ABBOTTABAD
(0079)
Submitted by: M. Shahbaz
Roll # S-10-03
Supervised by: Sardar Ejaz Ahmed
This internship report is submitted in partial
fulfillment of the requirements for the degree of
Bachelors of Business Administration awarded by
the Hazara University
Mansehra
SESSION: 2010-2014
Government College of Management Sciences
Abbottabad
Approval Sheet
Approval Committee
1. External Examiner
Mr.________________________
Signature_______________
2. Supervisor
3. Head of Department
Signature_______________
Mr.Mushtaq Ahmed_________
Signature_______________
Principal
DEDICATION
I dedicated this report to my parents who have continuously given me moral support and
encouraged me though my four years of Bachelor studies. They gave me mental strength to
fight and deal with the hurdles of the daily routine I faced during my study. At this stage I can
say that today what I am where I stand is just because of them. Secondly I would like to
dedicate this report to my supervisor who guided me through out my internship and even in
the making of report.
ABSTRACT
All praises and thanks to Almighty ALLAH. The lord and creator of this universe by
shoes power and glory all goods and things are accomplished. He is also the most merciful,
who gave me the ability and opportunity to work on this report.
It is an academic requirement for the student of BBA (Hons) to undergo an internship
program of sex weeks duration. This opportunity provides to the students to apply theoretical
knowledge and gain practical experience about the organization. The purpose of internship
report is to evaluate the performance of organization and give concrete recommendation for
further improvements.
Another aspect of this internship is that it makes of a student imaginative and be
dynamic and takes him away from bookish and impractical philosophy. So it makes the
student a practical man and helps him to face difficulties of practical life and the solution of
problems. Through internship a student can judge his qualities and expertise, whish he gained
from books.
As a compulsory requirement of Professional Degree BBA (Hons), I opted to join
Soneri Bank Limited, to fulfill my degree requirement. My reason for choosing SBL was to
enhance my skills in Management Finance and Accounts, so that to provide myself the
opportunity to cope with real life situation.
To better understand the report my recommendation would be to look into different
parts mainly covering the overview of SBL, overall management of Finance and Accounts.
The bank staff was very much cooperative to me, they have provided me relevant
material to write a report. I am very much thankful to them and to my Advisor Sardar Ejaz
Ahmed for the supervision and guidance.
Finally, keeping the tradition alive as well as fulfilling social and ethical
responsibility, my dedications will always go to my dear Parents & Family and Friends.
Table of Contents
Chapter # 1
Introduction
01
01
01
02
Methodology of Research
02
02
03
Significance
03
04
Chapter # 2
Historical Background
05
Banking (Definition)
06
Importance of Banking
06
06
09
09
12
Chapter # 3
Soneri Bank Ltd
15
Introduction (SBL)
15
16
16
17
18
19
21
23
Organogram
24
Corporate Information
25
Chapter # 4
Products and Services
27
Deposits
27
Advances
28
Products
29
Agriculture Banking
29
Chapter # 5
SBL Departments
30
30
Credit Department
44
51
Computer Department
55
Chapter # 6
Financial Analysis
56
57
Ratio Analysis
60
70
Swot Analysis
74
Chapter # 7
Conclusions and Recommendations
References & Sources
81
84
ACKNOWLEDGEMENT
I have great sense of gratitude for the most Beneficent and Merciful Allah who has always
helped me in all matters of life. I tried but He rewarded me more than the tried. Billions of
Darood-o-Salam upon Muhammad (PBUH) Last Prophet of Allah who is the savior of
humanity.
M. Shahbaz
List of Abbreviations
SBL
IDBP
SBP
MNCs
ADBP
L/C
L/G
ATM
APD
IPD
IT
BTF
NIT
FC
PLS
HRM
SBU
NDFC
RTCs
AIGP
MT
ETD
MIS
FDD
FS
ETD
EXECUTIVE SUMMARY
This report highlights the operations and functions of bank. Banks acts as financial agents to
their customer; in return they get reward for their services. Banks play important role in
development of society. A strong economy must have a good banking system.
SONERI BANK is one of the leading banks in Pakistan. According to international standards
of banking system it is one of the best banks in South Asian region as well as the bank, which
is, come the top ten in the world. This report explains how different functions of SONERI
BANK works and what are their services.
The report relies mainly upon secondary data with the use of primary data at instances when
the former would be unclear or difficult to comprehend. The report is mostly objective in
nature with hints of subjectivity in financial analysis. The first part of the report is about the
evolution of banks, where as the second part is about the functions and services of SONERI
BANK and in third part the financial analysis and recommendations are given.
During the critical analysis, it was observed that SONERI BANK is one of the leading
commercial banks of Pakistan with a network of around 1213 branches all over Pakistan.
SONERI BANK provides a wide variety of products and accounts that suit the lifestyle and
needs of the masses .In fact commercial banking is regarded as a Conservative business
because the rewards are modest and the penalties of bad banking are many. As a trustee of the
public funds, SONERI BANK has a greater responsibility for safety and prudence. Many
business can enjoy some slack in their affairs, commercial banks cannot afford this, since
commercial banks must make a living by putting the money at their disposal to work, they are
faced with the problem of making a living without jeopardizing the safety of their institution
and SONERI BANK is doing all this very efficiently.
The SONERI BANK is known for its customer services as well as for its products, which are
in demand.