CHAPTER NO -1

1.1 Introduction

1 This internship report is at Bank Dubai Islamic Limited. I did an internship at the
Bank · Dubai · Islamic · Kotla · Arab · Kahn branch (Gujrat district).
2 The basic purpose of the internship is not only to investigate and analyze Bank,
Dubai, Islamic Limited but also to gain experience on the ground. The main purpose
of the internship is to fulfill the department's requirements concerning the awards of
the Bachelor of Business in Gujrat University. The second purpose of the internship is
to apply classroom lectures in a professional life where students can become good
future bankers.
3 In addition to these purposes, there are the following:
4 Detailed investigation of Bank, Dubai, Islamic Limited.
5 Gain practical experience in the banking field.
6 Use your skills as much as possible and improve your skills.
6.2why I choose that bank

 I am interested to study Bank Dubai Islamic Limited.

 My family accounts are in BAL.
 It is a famous bank of banking sector.
 Bank Dubai Islamic branch is in our area, I easily reached in bank daily during
internship period.

CHAPTER 2

2.1 Introduction to Bank Dubai Islamic Limited

2.1.1 History of Bank Dubai Islamic Limited

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Dubai Islamic Bank was established in 1975, it is the first Islamic bank to fully introduce
Islamic fundamentalism, is a major Islamic bank UAE. DIB is a public company, its
stock is listed on the Dubai Financial Market. We are, I believe the quality of products
and services, resilience, our reputation as a leader and innovator to maintain proud
convenience. Currently, the UAE has 90 branches.
DIBPL, founded in Pakistan May 27, 2005 in Pakistan in 1984, was carried out the
activities of Islamic commercial banks in accordance with the principles of Islamic
Sharia. Pakistan SBP state banks, after the granting of a license for the Bank on
November 26, 2005, it received a certificate to commence business by the Securities and
Exchange Commission of Pakistan SECP 11 January 26, 2006. The Islamic commercial
banks has been launched March 28, 2006
2.1.2 Dubai Islamic Bank Today

Dubai Islamic Bank, we have a high-quality management for consumers throughout

Pakistan. Bank. In recent years, the DIBPL management is taking the initiative to bring
excellence for the organization's activities. DIBPL is, apart from the fact that, in keeping
with the values, vision process, improvement of the mission, a new product, a new
branch, the development of learning and speech, started the beginning of the continuous
improvement of systems and process. Today, DIBPL has branches in 62 cities of
Pakistan, the number of branches is less than 200 shops, bank branches are located in the
243 seats

2.1.3 Board of Director • Muhammad Said Ahmad Abdullah Sharif (non esecutivi)
• Mr. Muhammad Sarim Vice President Electronic (Direttore)
• SIG Ubaid Muhammad Rashido Al Shamsi non esecutivo
• Abdulla · Calil Mutawa (Mr. Direttore)
• Khalid Mana Seijin Al-Otaiha (Mr. Direttore)
• Chief Executive Officer Jude Ahmad Shake Sherfuddin

Chairman’s message

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“Our core philosophy of honesty, intelligibility in customer dealings, product
advancemans, fineness in customer service and our commitment to being a responsible
corporate citizen.”

Vision
The vision of Dubai Isamic Bank is most progressive islamic bank or financial institution
of the world.

Mission
The mision of Dubai Islamic Bank is to improve and mantain our position in leading
islamic banking.

Value
Islamic, Modern , Global, Dynamic and Innovative.

2.1.4 Objectives
The limited purpose of the DVIS bank is as follows:
• Build an efficient banking system in the pachinko.
• Maintain high profits for the organization.
• Provide an institutional banking system.
• Provide all services and products in a single location.
• Maximize contributions to the economy of Pakistan.

2.1.5 Products & Service

 Current account
 Regular Saving Account

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 Fixed deposit account
 Islamic banking account
 Saving Plus Account

 Profit and loss sharing account

 Loan providing
 Online Banking
 Partnership account
 Debit card
 Credit card

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2.1.6 Finance And Other Business Loan
• Operating funds and short-term loans
• Structure of loans and syndication
• Cash management service
• Short term investment

2.1.7 SWOT analysis

Strengths
Highly qualified professional staff of human resources.
• better compensation package for employees.
• the branch location is very appropriate.
• High customer relationship.
• the role and regulation is equally applicable to all staff.
• attractive building.
• training program is better than the competitor.
• Islamic financial services.
• online banking

Weak point
• Employee-led workover.
• Lack of coordination among employees.
• Banks are smaller in age than competitors.
• Cash management issues.

opportunity
• New market development.
• New products and services.
• New victims such as finance and financing facilities.
• Potential customers.
• Muslim bank's growing branch.
• Increased demand for customer banking.

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Threat
• Pakistan's adverse economic situation.
• Government contradiction policy and political instability.
• Muslims do not like deposit interest as Muslims do not allow this. This may affect the
number of customers.
• Threats to raise the rate of transactions.
2.2 Organizational Structure:

Bank Hierarchy

Boards of
Directors

CEO

Finance Marketing
HRM Department Risk Mangement Aduit Team
Department Department

sub managements
sub mangements sub managements

2.2.1Main Offices
Home of the Dubai Islamic Bank Limited is located in Lahore, Karachi, Islamabad,
Hyderabad, Peshawar, Faisalabad, in all major cities of Pakistan in Multan. Customer or
visit, or you can make proposals in these offices. In addition, also available in an Islamic
branch of the Bank of more than 600.Sede of Dubai Islamic Bank Limited Bank of the
country is located in Lahore, Karachi, Islamabad, Hyderabad, Peshawar, Faisalabad, in

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all major cities of Pakistan in Multan. Customer or visit, or you can make proposals in
these offices.
.

2.2.2 Introduction of All Departments of Dubai Islamic Bank Limited:

Dubai Islamic Bank has been limited number of departments that operate in the branch.
However, it is not necessary to have all the branches across the department. Branches that
any type of operation is organized in big cities, or any major markets because it can be
generated, almost all areas, you have to provide any services, these branches, has the
following departments in the villages and the cities
Followings are detail of departments of Dubai Islamic Bank Limited.

 Accounting Opening Department

 It is the principal and fundamental department of any bank, even for this bank, it
is an important department whose objective is to provide a bank account that is
offered to customers It is easy for anyone who wants to open a bank account to
access it.This department can open or close the necessary customers' In general,
the accounts provided by the bank are as follows
 Individual account
 Partnership account
 Company account
 The source of financial banks is people's deposits. All banks are executed by the
amount deposited by people so as to open accounts. Banks can not exist without
this division. This is the principle of banking activities. For this amount, the bank
is investing in another company to gain profit after that. Banks provide customers
with several returns to cash deposits in the form of interest rates.
 When an arbitrary customer wants to open an account. All requirements must be
met. A copy of CNIC is required. The company is filled by customers, for

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 example, with all information filled and how much quantity you want to deposit
etc. the type of address, type of account,

 Cash Department
Cash department is that department in which receipts and payments are deal. The most
risky job in any bank is to work in cash department because they should be record of cash
even one rupee. It means balance is maintained and if balance is not equal as it should be;
then employee is responsible of that mistake. Requirements to work in this department
are; have to careful, capable and alert every time when doing cash transaction. Anyway
this is backbone of all departments in any bank.
The basic tasks of this department are to:
 Cash receipts from customers and payment to customer.
 Accept the checks and pay amount.
 Before paying amount it should be checked that the amount is available in the
account of that customer if the amount is less than required or not having amount
in account that check is dishonored.
 Maintain the record of all cash transactions.
 Any other duty which is assigned by branch manager has to fulfill.

Clearing Department
The function of this department is the transfer of funds. Transfer of funds can be made
between the same branch of the bank or between different banks. The function of this
department is to organize the recovery of bank checks. However, in the traditional
banking system, the bankers is not a legal requirement to collect a check of other banks
went in for the customer.
However, today's banking system development through modern banking has made it
easier to collect checks and invoices on behalf of customers.

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The banks collect checks for customers withdrawn to different banks. This function of
clearing customers' checks by banks is done for installments by settlement institutions of
State Bank of Pakistan. In cities that do not cover the scope of SBP, this liquidation is
regulated by the National Pakistan Bank.

Inward Clearing
Procedure borne bill Kotoraarabu Emirates Dubai Islamic Bank branch is saved by a
different bank owners / branch, it will be exhibited for the installment.
. Outward Clearing
Procedure that has been portrayed as being paid in some other bank / office is stored in
the bank for integration with Dubai Islamic Bank Kotoraarabu Emirates branch.
. Procedure of Clearing
Clearinghouse, person liquidation gathered at the head of each bank that is
reserved, is the place to resolve receiving the control, which was charged to one
another. Check branch Kotla Arab Ali Khan, who arrived at the DIB is ordained,
is registered in the external adjustment by officers, it will be sent to the branch
DIBSupply. The power branch is organized in all Mehraj Muhammad-SP07-
MBA-01126 copy of the regulations that were cleared were sent to the
clearinghouse provided by the state-owned Pakistan banks.

In urban society of Pakistan of reality, the National Bank of Pakistan expert of the
State Bank. In the clearing house, all banks taken from different bank check, will
be communicated to the other checks that are drawn from them. net difference is
resolved Dr, Cr. To register and bank supervision.

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 Remittance Department:
The function of this department is to transfer of money from one country to
another country. Usually overseas Pakistanis sent amount from host country to
Pakistan to their family. In bank this department provides the service of
remittance to its customers. Amount can be sent in account or on CNIC number of
a family. the amount is reached within 24 hours from foreign country to Pakistan.
Customer provide a code to banker and he checks the amount, in case of arrival
of amount; a form is printed and signature are made on this and it is sent to cash
department for cash payment.
Credit Department

important activities of the bank is to provide loans to people who are engaged in
legitimate company or business. This is because this activity is considered very important
in considering the potential to generate revenue for the bank. If confirmed pursuit and
stand, at the sector level, they will be able to borrow from the headquarters of Dubai
Islamic Bank in Karachi. Credit of two types have been provided by the bank. Dubai
Islamic Bank1-

Funded Credit Line

In this structure, authorized loans, it means that the money was given to the customer.
The customer, to get the funds available

2- Non-Funded Credit Line

This kind of money is not passed to the borrower. This letter of credit There are two

types

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Letter Of Credit
Letter of the letter of credit or, more commonly referred to as LC, it will be used for
international trade. LC, the issuing bank, upon request is to perform in writing. Be
packing all the documents, provided that the terms and conditions have been complied
with, it admits that the payment of the specified amount of money is made within a
certain period of time for the seller.

Letter of Guarantee

warranty card is the bank that has been given to the Association for the customer
warranty. This type of guarantee is used, in general, the tender and bidding process. After
that there is a sort of guarantee.
Big bond

The bonds will be met when the softness has been achieved. Therefore, this bond is, since
the agreement for the company (giving bonds), said it will begin work on the project.

Performance bonds

These bonds will be provided only if the candidate has been offered. If the agent was
obtained favor of the applicant, these ties are given in order to ensure that the applicant
completed a contract on the basis of a particular period of time to beneficiaries.

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Trade Finance Department

This sector is, to control the types of operations to be carried out

beyond the confines of the family. Any business, which is the import
and export trade, it becomes easier with the help of this department.
To buy things from a different country now, LC is used. LC is a safe
way to make payments to people living in other countries. What is
important is that the LC was issued against securities (real estate, lien,
actions, etc.). After you have confirmed these titles, the credit is
approved for the applicant, LC will be provided by this department.
Accounts Department

This particular sector is the rear part of the organization, but will run a list of very
important functions. These features include the generation of the following types
of reports. • bank account balance. Details • income statement of all assets of the
entire account of the branch. Revenue and expenses of kinship. • voice mail
statement. The resource burden and subsidiary reporting. • Create a budget of
branches. • calculating budget • registration of all branch data, reports, storage.

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 Marketing Department
The function of this department is to sell banking products and services in a
variety of ways. Advertising, commercial, through meetings with business and
personal, you can open an account at our bank branches.

2.2.4 Comments on the Organization’s Structure

Comments on the structure of the organization Dubai Islamic Bank is the largest
Islamic bank in Pakistan, senior management has led to the management of
small and middle level. Dubai Islamic Bank.

CHAPTER-3 Internees work:

3.1 Brief introduction of the Internship Branch
This particular branch of Bank, Dubai and Islam is located in Kotla Arab Ali khan.
According to the Bank of Dubai Islamic Planning Department of Pakistan, the branch
located in the central area of Retail & Middle Market. This branch was established to
gain market share about five years ago and to benefit from the huge customer base
market at Kotla Arab Ali khan. Because many of the commercial banks had already
exists in this field, bank, Dubai, Islam of the officers was to immediately open a branch.
This branch, began operations in the minimum number of departments. The idea is to
penetrate the market, it has been gaining market share in the goodwill. Therefore,
according to sources of information within the bank branch, effectively they reached the
target, there are plans to increase the number of employees of large and branch offices.
Since the restructuring is proceeding immediately, it seems that the truth of the branch
management. New offices and clients, was created in order to respond to potential
customers and their needs.
3.2 Supervisor Information:
The name of my supervisor was Muhammad Tahir Imran. He is very kind person.
He is doing job in this branch from 4 year. He did MBA 3.5(Marketing) from
university if punjab lahore. He guided me properly that what I have to do and
how. He gave me lectures on my work or task which I did. Whenever I face any
problem I found him as helper. May Allah give him JAZAY E KHAIR. AMEEN!

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3.3 Internship in my line of business

I was working in all sectors of the branch. The first day of my internship, the
boss, he told me about the rules and the fundamental role of the employees and
the care that was limited to Dubai Islamic Bank. I was very excited to be truly
able to work effectively in any bank. So, he is for me to introduce a bank
employee, told me the basics of this branch. He told me that the work day by
day, which must be during the internship period to me. Activities that did my
internship is as follows.

3.3.1 Table of those departments which i worked

The details of internship indifferent departments are following.

SR. # Department name

1 Accounts opening department

2 Remittance department

3 Clearing department

4 Credit department

5 Trade department

6 Cash department

Signature of Supervisor: ______________________

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Training Program:
I started my work in the account opening department at the bank. This exactingsector
comes under the common banking services provided by the bank. I was told that five
different kinds of accounts which can be opened at Dubai Islamic Bank Kotla Arab Ali
khan. Those accounts which are told to me at that times are followings:
 Current account opening
 Saving account or fixed deposit account opening
 Profit and loss sharing account
 Dubai Islamic Basic Account
 Business Account at Dubai Islamic Bank
The process of all of these various account are following under the Products Line of
Dubai Islamic Bank of that report. At the present the basic requirements for opening an
account are as follow.

The basic required or opening an individual account are.

1-Nation ID card copy

2- Income detail means source

3-then what is your national tax # which is issued by federal board of revenue

4-person’s employment information

The basic necessities for opening business account are:

1-National ID card photo copy

2- Partnerships agreement photo copy

3- Then what is your national tax # which is issued by federal board of revenue

4-Company's Letter-head

The basic necessities for opening a company's account are followings.

1- National ID card photo copy of all directors

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2-Article of organization / memo of Association

3-Company's Letter-head

This department is liable for generate the Bank declaration which reveal the account
activity of any account. In order to get the bank statement the account owner has to come
and fill a form. Some people are called at the bank and inquired their account balance.
Normally such query is not amused over the telephone unless the bank's agent knows the
person calling is the account holder and not someone else. Such information’s are not
revealed to anyone else except for the account holder. The bank officers can ask question
like the person's date of birth, his get in touch with numbers, current residential address
and the address mentioned in the account information to make sure that the person calling
is genuine and not someone else trying to get the economic information.

If account owners want the expenditure on the check he issued to be stopped then he has
to contact this particular department of the bank. The person can inform the bank about a
particular check number on which he desires to stop the payment. In such way no
payment is done next to the check as quickly as the department is informed. in addition
assume a person has loss his check book then he can inform the bank to stop the
payments on all the checks numbers from the check book that was issued to him. This
also stops the payments on those checks as quickly as the department is informed.

3.3.2 My Activities in the Account Opening Department

This is a major and basic department of any bank. For this bank it is also an important
department. Purpose of it is to open any bank account which is offered to customers. Any
customer who wants to open an account in bank can easily access. This department have
responsibility to open and close any account of a customer which is required. Generally
followings are the accounts which are offered by bank.
Individual account, Partnership account, Company account

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Bank’s source of finance is deposits of people. Every bank runs by amounts which are
deposited by people as to open an account. A bank cannot exist without this department.
This is principle activity of a bank. This amount then invested by bank in other
businesses to earn profit. Bank gives some return on cash deposit to customer in shape of
interest.
When any customer wants to open an account; all requirements have to fulfill. A CNIC
copy is required. A firm is filled by customer on which all information are filled, e.g.
name, address, type of account, how much amount you want to deposit etc.
Besides this the department is responsible for customer quires, check clearness, maintain
all data of customers, printing of statements, accept request to open the account, NADRA
verification online, issuances of check book and ATM cards etc.

After found all the required information I was asked to instrument the role of an account
opening officer and deal with another official who was playing the role of a customer
already in branch. I taxed my best to respond all the questions asked by the customer and
guide him in the best way I could about the account opening process in the bank. My
performance was rated as good by the account opening officer.

At a next phase I helped a customer to organize the required documents for account
opening and even showed him fill out the form as it was to be filled in English language.

I also gave information about the benefits to open different accounts in Dubai Islamic
bank limited to some existing customers as well to potential customers of the branch as
well.

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3.3.3 My work in Clearing Department

However, in the development of the banking system today through modern banking, it
makes it easy to recover on behalf of the customer checks and invoices.

I was working in that department. I was informed about the monitoring of the liquidation
process, which received every day for the bank. The important thing to note is that the
liquidation process was carried through the air lock of Pakistan National Bank. National
Instrument Instruments Instruments Laboratory Institute, will be used in the liquidation of
state-owned banks procedures. If the preferential treatment to another customer of the
bank is a potential customer of Dubai Islamic Bank, the internal clearance is the owner of
the bank account is carried out. If the check is sent to the issuing of affiliate checks, you
will be issued a check.

internal verification procedure is performed as follows

Bank will receive a check through the NIFT

Payment unit performs a check, if everything is true, a check is sent to the banking
system, which will be deducted from the customer's account. If something goes wrong,
control is returned.

For detailed management information, returns to the country of settlement log that
registers in a foreign country home, the check will be delivered to NIFT.

In the event of liquidation from outside, in order to support customers of Dubai Islamic
Bank DIBPL different, we have checks from other banks is presented. If external winding
is the following.

1 - Administration is a conventional unit of the bank.

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2 - will be credited to the customer a check was taken.

3 - When the check is stamped, it will be sent to the issuing bank through the NIFT.

In the event of liquidation from outside, it presented the checks are those from other
banks to support the customers of Dubai Islamic Bank (other than DIBPL). external
winding case is the following.

1 - control is conventional means of the Bank.

2 - credited to customers who check has been taken over will take place.

3 - check is stamped, it will be sent to the issuing bank through NIFT.

In the event of liquidation from outside, in order to support customers of Dubai Islamic
Bank DIBPL different, we have checks from other banks is presented. If external winding
is the following.

1 - Administration is a conventional unit of the bank.

2 - will be credited to the customer a check was taken.

3 - When the check is stamped, it will be sent to the issuing bank through the NIFT.

In the case of on-line payment, checks will be created by the bank. Control is detected for
DIBPL customers. Control is transferred to the outside through the NIFT. Once the check
has been paid, please pay using the online system of the computer.

That the check has been credited for a couple of days ago was repaid. In other words, in
order to inform you that the funds in accordance with the check-in has been credited to

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the account, I was able to call the customer the affiliate. This activity was very easy. I
have a series of questions about the identity of the customer. When you receive a positive
response, I could only pass information to the customer. The money is transferred to his
account, he will be able to use ..

3.3.4 My work in Remittance Department:

my the remittances sector jobs:
The function of this department is to transfer funds from one country to another. Usually,
Pakistanis abroad, sent the amount of family in Pakistan by the host country. In the
banking sector, the sector offers transfer services to the customers money. Amount of
money, can be sent in the CNIC number of the account or of the family. This amount is
reached within 24 hours from abroad in Pakistan. The customer provides a 14-digit code
for the bank employees, if the amount of money has come to confirm the amount. Form is
printed, the signature is made, it will be sent to the cash department for the payment in
cash.
This branch of the Bank Dubai Islamic Bank Kotla Arab Khan department is responsible
for issuing a new checkbook to record holders. After you get a new checkbook, or For the
customer to fill out a new check book, you need to put a stamp. Record, if it is open for
the organization, it will use the stamp. I brought some of the people there was a need to
raise new checkbook for the first record holder. Before the record owner is revealed, you
must get the checkbook on their own. Be collected the checkbook is not realistic. The
client got two checkbooks that was printed through a new booklet in the same manner. I
was a customer of aid booklet data checks. It is, clients there was a need to know the cost
of a single control to load. While still pass the data you want, I revealed the Commission
should pay particular checkbook and its customers, as shown by the leaves (check).
Remittance of the outer surface can also be outside the inner one. In the case of the
national merchant remittances approved for the purchase of foreign currency, MT, DD,

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TT, travelers checks, you and the exchange certificate is obtained. In addition, the foreign
currency remittance these instruments issued by the authorized dealer, flows.
The remittance department, a variety of means have been used to transfer funds to
another bank branch was introduced. Payment order is a product that is used to send
money within the same city. The customer, transfer the location of the money, name, you
must complete the form that you fill out all the required information, such as contact. The
payment of the payment can be made both in cash and check. The project application is
the means through which you can send money outside the city. Extrovert DD is used to
transfer the money area. Where DD is presented by the client, he collects the money from
the office area. Now, when money is put back from the outer surface, it is under the
foreign currency remittance sector. This remittance sector is not operating at the
headquarters of Kotler United Arab Emirates Dubai Islamic. However, you can access the
service to send money abroad through Money Gram. Calls received pull-down, it will be
used by the people in order to put a positive amount of money to beneficiaries when you
bid in the tender. If the offer is accepted in favor of the people, or the recipient to use the
funds, it will be returned otherwise the CDR

It sends to the issuer to get the money deposited in the bank for later. Rupee
travelers checks is another format to bring money safe. Instead of bringing
the money, you can bring the RTC issued in the form of a certificate by the
Dubai Islamic Bank. These certificates, department stores, hotels, it will be
accepted by the travel agency of Pakistan in all.

3.3.5 The credit department

This department deals with small and medium-sized enterprises. I knew that the bank has
adopted a very aggressive strategy in this area. They are working closely with the
businessman who owns the small and medium enterprises. Under Department

21
introduction of this report, the Dubai Islamic Bank describes the types of credit facilities
to be provided to the customer. Funding was credit lines, gold is physically given to the
borrower, has signed a contract with the bank, to repay the money to the bank in response
to it ..
3.3.6 My Activities in the Accounts Department
I assist the administrator of this department while sorting all the utility bills of the office
in a file. Activity of categorization all the voucher from all the department of the
branches was also carried out by me with the help/ direction of the officer. I on a regular
basis used to carry documents that were to be approved by the branch manager, once he
sign them I brought them back to the officer of the accounts department. Ilearned many
things in this.

A view of my activities on these departments:

 I help the director of this department, to order any office public office file. All
the good of all areas of activity of the branch category was also run by me
with the help and the official instructions. I carried around a document that
has been approved by the normal branch manager, but since then signing, was
returned to the official in the accounting department. This has been found to
many things.

My opinion activity in these categories:

• The timing of my work, from 9 am to 5 pm, it was five days a week.

• All staff are guided by me good manners, it was to thank all the staff.

• because it is insufficient to understand the work and the organization's

overall policy in six weeks, had been working in a well can the industry in a
short period of time.

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 • it also, not only was a little 'help in the way day by day for a lot
of staff, had learned work also contribute to other personnel.

• In cash department, but I worked very carefully, I have some of

the restrictions on their activities. Usually, it is not a full-time staff
from their bank, while working in the bank will be imposed on all
servers.

• Ensure that the branch manager meets a certain number of

customers, when you try to convince you to open a bank account,
is a very difficult job to increase the number of clients per day. To
increase the number of customers, there is a competition between
them. When you hire a new employee, which is why it is able to
motivate people of our bank branches for the new branch is
selected.

• I was working in the credit department. It is basically a loan

offered department. And 'the most important and important area
for banks. As when there is the need for the customer to get a loan.
Purposes or other commercial purposes, if there is eligible to
receive a loan in accordance with the rules and regulations of the
bank, you can get a loan from the bank.

 3.3.6 A critical Analysis of Bank’s activities

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Risk Frame-Work at Dubai Islamic Bank

All of the bank are to clarify the crisis management system in the annual report.
Risk management is the ability to save money the central activities. The reason
for this is that the credit, market, liquidity, and risk measurement on the business,
control, management, to exercise the practice essential to the relationship. As
indicated in the 2010 annual report of the bank, Dubai Islamic 2,010 years in
Pakistan is examining the situation of the financial and safety, through the
concentrated again focused on the unique resource and portfolio management,
specifically concrete goal is, with all the difficulties that facing banks, for the next
Stan in the correct screening and dominant position to control, monitor the credit
opportunities, has been adapted to identify the framework opportunities for risk
management of risk management approach is the possibility of cash which has
been renewed by , and investment risk. Dedicated Risk Management Department
(RMD) was set up to report in particular the RMD General Secretary of Chief
Executive Officer (CEO). Department Chance management, credit, market, and
has been organized so as to risk the agreement on business. This department is
composed of individuals particularly in the form. In addition, the Board of
Directors, through the group of sub-consultancy called "Board and the Risk
Management Committee (BRMC)", regulates the overall risk faced by banks.The

risks associated with DIB

Banks are facing a series of crises in business, there is the risk of a number
regarded as fundamental dangerous. Dubai Islamic Bank, in order to address the
same type of crisis and other banks in the market are facing, there is no special
case. The risk of these principles are as follows.

Credit risk: opportunity to borrowers fail to repay the money to the bank.

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 Liquidity risk: does not work in the case of the market compared to the security
resources.

Market risk: there is a risk that the estimate is a decrease in the portfolio for the
market environment.

Operational risk: the possibility for the exchange of activities.

Reputational risk. Risk that the bank loses the reputation among customers.
 Branch Risk of Dubai Islamic Bank at Kotla Arab Ali Khan

the bank's board is to protect the majority of the branch, provided that they are protected
from a wide range of risks, they are attempting an attempt on a large scale. Most chapters
have a framework of Pass / Removals in isolation, is backed by a walk through the door
to clean the person for weapons.

• branch security system

Dubai Islamic Bank has agreed with the Security Systems Phoenix, offering a rescue
guarantee together with the security guard who is ready to ensure all activities of the staff
/ customer and the bank. However, CCTV camera is introduced into the fire entirely
possible to record the movement of a bank of video images. The move, you walk through
the entrance is focused on the metal location. However, look beyond security, control the
general population to manage your account using the metal detector scanner. For safety
reasons, the vehicle is stopped in front of the bank is not allowed. Because they have
liquidity in all situations, money department is given the unusual importance. office
money is always in the back of the glass wall to ensure the staff and liquidity. In most
cases, Ace attention are introduced as similar to the bank relating to the end of the law
passed institution, may be used as part of the crisis. Phoenix In addition, it provides
administrative automotive shielding in all branches of the bank. This vehicle will be used

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to send money instead of the regional head job. ATM has been specially introduced for
the very secure room. The customer, just to get admission to the UI machine. To insert
the ATM, because they are appointed to a security agent of the ATM machine to monitor
the machine in all situations, it was necessary to break the partition is not practical. All
branches, has been monitored by a guard of safety at night..

 Employees Integrity
If the Bank of workers do not work in accordance with the code of conduct that
defines the organization, the organization will not be able to achieve its goal.
Director of DIB know this important theory. Since the competition is tough war,
bank employees to observe righteous principles and good morals, is frankly very
important is its role to play. DIB has been to promote a transparent and honest
business behavior of personal practice. Sense of duty that was imposed on all
members of the organization, stressed the workplace code of ethics intact perfect.
 Systematic Risk
The reason for Pakistan's economic situation deteriorated in 2011, because the
risk to the DIB management were identified to manage firmly the picture, the risk
of the whole system, rising prices / inflation, rates interest, increase or decrease in
the tax rate, such as macroeconomic factors, to change the overall market, there is
no doubt that is repeated several times by the control. On the other hand, in the
DIB at present, there is a manager (RMD) General Director (RMD) are facing
(CEO) Risk Management Department (RMD.). In addition, the Board of
Directors, through the Subcommittee called "Board and the Risk Management
Committee (BRMC.)" He oversaw the overall risk faced by banks. This risk is
because it is away from the control, in order to handle the situation in which the
change occurs, management must adopt a reactive approach. Conditions, then
change for everyone in the banking sector, after analyzing the situation, the

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 addition of a relevant departments the necessary changes to the policy and
practice of Bank

 Future scenario of the business

executive of Dubai Islamic Bank is to expand cooperation in the future, branches in

Pakistan. This objective has been proved by the Board, the pressure is to maintain the
quality of the value of their customer service. A top team revealed that the drive to the
solid in the field of micro-finance and lending to small and medium-sized enterprises.
DIB is going to provide the most innovative products in the small and medium enterprise
sector.

In addition, the management of the bank, it was realized the possibility of Islamic banks
in Pakistan. Many people today, have attracted the interest of products that are presented
by the Islamic Banking Act of Dubai Islamic Bank. Therefore, the Islamic twigs DIB is
observed more in Pakistan is observed. Their plan is to present new products to the
customer, since it is intended to recognize most of the market share, taking the initial
driving competition is severe viewed here.

3.3.7 Limitations during the Internship:

We are facing some of the limitations on the employee that all the students to work in the
organization. Since all the organization are having the Dubai Islamic Bank's heritage and
the secret of the problem, we faced several problems and limitations, such as the
following.

• there is no extra computer, I could not sit in front of a computer for the fact that it is not
permitted by the head office.

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• I was not able to transfer money from a debit card or account.

• In the cash counter, I was not able to work.

• I had to get there in time for the branch of the bank.

• Since there is a problem on a secret, it was not possible to issue a customer's request
project.

• I was asked not to mischief together with staff and, and customers.

• for 6 weeks is a very short period of time to learn something about the professional life,
the time limit in the m stage was greatly limited.

Driving the wrong customer, it may be subject to sanction in accordance with banking
regulations.

• I had to wear a hard formal dresses every day.

• information and the lack of details on the bank by the staff.

• I have experience that was the first experience in the actual site, I had to face some of
the problems at work.

• Some of the clients there is a big limitation that do not want to discuss the problem, they
prefer to discuss the issue of bankers and employees.

3.3.8 Summary of Learning:

Following is the summary of learning during internship which I learned.

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3.3.8.1 Skills which I gained
During the internship, I think I learned a lot of things, has been improved my skills in this
session. It 'been improved communication skills for communication and exchange of the
customer with the staff. I also learned how to act in the organization is also officially.
Tolerance is an important moral habits. Of work, there are some events in your life when
you have to do is compromise. I learned to compromise, and how tolerant and how to act.
Apart from these, when the director and the director has carried out a mission, I felt
confident in myself. I improve punctuality habits. Why, because I had to arrive on time to
the bank, also had to be had for free at the office on time. I have to improve research
capacity in the network. Why, I want to know more knowledge of the account and
banking activities, but it is common to find the data in the network, while in the house. I
learned and how to build a professional behavior, how to act and how the university.

3.3.8.2 Responsibilities of myself during internship

When a person goes to professional life, which is responsible for tasks and mission, you
must be honest. Oh good! During the internship, we have a responsibility, we do our best
to work honestly. All the work that was given to me, it was done in a timely manner. My
boss, all of a particular job, work, activity, or has taught me to do the assignment. For
example, I learned how to open an account, I opened an account with a bank in Dubai
Islamic Bank. Since the cash department is one department in which there is room for
very important discussion of the bank, I was not able to function properly in a cash
transaction. I could not handle the cash department. At the end of my training period, my
boss, was grateful to work at the same time honest and responsible about your duties and
responsibilities. I am very grateful to God, also thanked the branch staff who brought me.

.3.8.3 Internship influence on future career

During the internship, I think I learned a lot of things, has been improved my skills in this
session. It 'been improved communication skills for communication and exchange of the
customer with the staff. This is very useful in my life.

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To work in a bank is really the beauty of my life. I learned a lot more from now. It gives
a positive impact on my professional career. . I also learned how to act in the organization
is also officially. Tolerance is an important moral habits. Of work, there are some events
in your life when you have to do is compromise. I learned to compromise, and how
tolerant and how to act. Apart from these, when the director and the director has carried
out a mission, I felt confident in myself.

3.3.8.4 Class room lectures vs. internship

class lesson is just the theoretical part of the training. In class we will learn a lot of
knowledge, but if this is different from the real field will learn it. The work for the
organization was the first experience. I tried the best to express yourself as a professional.
When we are in the classroom, we take work home and work that can be easy, but in
practice, we need to do to complete all the work that I have to this procedure. The
deadline for the work is given to the workers, we must do it in time. Sometimes
overcome the workload, but there is also that one person is concerned, do the work
properly, you must complete. As a result, I learned how important it is to work on time. I
have ethics and ethical act. Worker must maintain a good attitude.

3.4 Recommendations to Dubai Islamic Bank Pakistan Limited

Based on the experience of the DIB limited Kotla Arab Ali Khan, there is a proposal of
this bank. These are the following:

• Normally, complete control of the customer in the event that the bankers want to pull
out the money, in order to have the responsibility if you put the wrong amount of money,
you must fill out a check customers. Similarly, if there is a need for customers to fill out
when you open a new account form, because it would take responsibility if the staff you
enter the wrong information, you need customers and its customer to compile the module
Yes, is. Staff should avoid.

• check book and ATM card, you need to provide to our customers on time.

• should be a separate customer counter is maintained by the bank.

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• This branch, because other banks are subject to internal review, you need to run the
internal control on a daily and weekly basis.

• Bank is, you must provide a training program for employees regularly.

• should give the salary and awards at the base effort and diligence. Employees of
introducing the award system to be popular the will to expand

• interests of the bank is to be distributed to the owner on an annual basis.

• it should be held weekly meeting that all issues and problems are discussed with all
staff.

• internship program, you must provide from time to time for the sake of the students.

• The bank, to advertise on billboards, in order to open an account at the branch Kotla
Arab Ali Khan DIB Limited, we will meet with the traders and shopkeepers.

• To set up a client, one of the sofa to get more and more, you will also need to store the
bank to the customer's plant.

3.5 Conclusion

Finally, to say that the entire DIB Limited is facing in the right direction, it puts an end to
my work. The current management team and board of directors is a great experience, you
can reply to their work. Bank every year, the benefit in the amount of money. The Dubai
Islamic Bank products and services is a very appropriate in accordance with the wishes of
the customer, it is what you need. Compared to its competitors will have to customize the
product. We are very experienced employees honest experts to DIBL. salary package of
the employees is satisfactory. We live in the 21st century, are the more developed regions
than in the past, it is the technical area. Bank of now, we are using the online banking
systems, such as Dubai Islamic Bank using the online banking system.

31
I gain work experience in another department. The timing of my work is 9: 00-05: 00. All
staff is led by me good manners, it was to thank all the staff. I because it is not enough to
understand the work and the organization's overall policy in six weeks, I worked in the
shortest possible time, in a variety of services. I also, not only was learning, it also helps
other staff. In cash department, I worked closely, I have some limitations on their
activities, usually for the caregiver is not a full-time staff of the bank, he worked in a
bank. I was not allowed to sit in front of a computer. This is because, there is no
computer in addition, because there was a reason why it is not permitted by the head
office. I was not able to transfer money from a debit card or account. I was not able to
work in the cash desk. I had to get there in time for the branch of the bank. I was not able
to issue a request to the client's project for the problem secret. I, along with the staff, has
also been asked not to make mischief in collaboration with the customer. For 6 weeks is a
very short period of time to learn something for the professional life, the time limit is a
big limit of m stages.

Make sure that the branch manager meets a certain number of customers, in order to
convince an open bank account, is a very difficult task to increase the daily number of
customers. Increase the number of customers between them. When you hire a new
employee, which is why it is able to motivate people of our bank branches for the new
branch is selected. I worked in the credit department. It is basically a loan offered
department. And 'the most important and important area for banks. As when there is the
need for the customer to get a loan. Purposes or other commercial purposes, if there is
eligible to receive a loan in accordance with the rules and regulations of the bank, you
can get a loan from the bank.

If once made a brief opinion on SWOT analysis of Dubai Islamic Bank, it will be much
to see that there are several advantages and disadvantages to the bank. On the other hand,
the bank will have the opportunities and threats. Here, I would like to describe the SWOT
analysis of the short period of time.

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The strength, the bank will have customized products and services. Banks, offers an
account in Islamic bank very popular among the people. The bank not only to win the
market share, is the largest Islamic banks in our country, is the largest bank in the private
banking sector. There is an experienced staff and high salary package is very professional
in the bank. Muslim is a weakness of Dubai Bank, compared to other banks, they want to
declare that the profits of the bank running out. The top management has experience
especially in abroad is not profitable for the bank. The top management is because it has
to take a decision in response to changes in the environment of the country. managing
things I will have to carry out its obligations.

In banking opportunities, new products and services, new markets, you can develop a
new branch of the different cities. Management should make the right decision. Bank is
political, has an economic threat to the country. Changes in the prices of petroleum
products in Pakistan, every month, even every week, has an impact on all sectors of
activity. Increase or decrease in the tax rate, the daily rise or fall in interest rates.
Therefore, it is also, there is a possibility that it becomes profit Dubai Islamic Bank. In
addition, shareholders face the risk of the bank.

So, and my quest for the bank, Dubai Islamic Limited, is my opinion on this bank..

References:

1. (Private Ltd., 2015)

 http://121.52.153.178:8080/xmlui/handle/123456789/6981

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 (Khanzada, 2015)

 pindibhattian.blogspot.com/2011/11/internship-report-
dubai-islamic-bank.html

2. Personal Interview

Private Information:

Mr. Tahir Imran

Supervisor

Dubai Islamic Bank

+92-300-470887-9

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