The Bank of Punjab Internship Report

The Bank Of Punjab Gujrat INTERNSHIP REPORT

Internship report ON “THE BANK OF PN!AB" Internship report submitted to faculty of Management& Administrative Administrative science in partial fulfillment of Requirement for Degree of Masters of Business Administration Administration

Pro#ra$ % Session M.B.A (inance! ".#years

ni&ersit' of Gujrat Date$ %#')'%"

1


A(KNO)*E+GE,ENT I dedicated this report to my parents. Because of their prayers & encouragement I have been able to complete this report. A**A+ is great and compassionate,.. -e submit to Allah all our effort before the Almighty. -e offer a humble than/s to the most benevolent that made us capable of completing this pro0ect 1ell in time. 2his is ritual of Department of commerce to conduct internship for it graduate in summer vacation. 2he credit of this term goes to the esteem faculty of this Department 1ho gave a chance to their students to 1or/ in an organi3ation beside their theoretical bac/ground to build a practical /no1ledge. or this I am highly than/ful than/ful to all the members of faculty and 4ir 5asim Ra3a for guiding me in preparing my internship report. I 1ould also li/e to have a 1ord of than/ to the people of B67 Ramtalai Road Branch 8u0rat 1ho shared their /no1ledge and e9perience 1ith me in order to complete my period of internship there I my special than/s to Mr. 5asim Ra3a 1ho accepted my internship proposal and give me a chance to 1or/ in branch. *ast but b not least my parents 1ho are in continuous phase of brining me up and in every respect of my life by providing their moral help and resources.

E-e.uti&e Su$$ar' 2


Internship is an important i mportant part of MBA program and provides opportunity to all students to learn about the partial 1or/ing of organi3ation and improves their personal s/ills Business problems are becoming more comple9 1ith the passage of time due to the achievement in 1orld. 4tudents really get many benefits through this practical /no1ledge during studies. 2his internship is not only helpful for ma/ing this report but this education gives a general /no1ledge about the business decisions and policies. In this 1ay I personally feel that your mind start thin/ing innovatively broadly and dynamically. acing challenges of day da y to day life is not a difficult tas/ to handle for individual. Internship training at the ban/ of 7un0ab is aimed at providing the students a ma0or unique opportunity to learn 1hat ban/ is all about. I try my level best to produce a most comprehensive internship report to ban/ of 7un0ab by compiling all 7ractical learning in a systematic s ystematic 1ay hence ma/ing report unique. All information:s this effort and my interest in internship can evaluate me in true prospective.

Contents:

Intro/u.tion 000000000000000000000000000000000000000000000000000000000000000000000000000000000000000 1 3


7urpose;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;< Bac/ground study;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;< 6rgani3ation ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;< Methodology ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;< 4ummary ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;< Bankin# histor' 000000000000000000000000000000000000000000000000000000000000000000000000000000000002

Ban/ing Act;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;= Ban/ing evolution in 7a/istan ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;= 7rivati3ation ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;=

Or#ani3ation Introduction00000000000000000000000000000000000000000000000000000000000000000000000000000000000000002 >ature of Business ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; ;;;;;;;;;;;;;;;; Mission 4tatement ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; ?ision 4tatement ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; @ore values ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; Bran.h Intro/u.tion ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;%';%

4upervisors ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; %' 7rofessional 2raining ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;% @redit card acility ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;% 4taff Relation ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;% Relationship of +ead office to Branch office ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;%

Bankin# Se.tor of Pakistan ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;%;% Role of B67 in 7a/istan ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;% A4ar/s an/ A.hie&e$ents ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)' 4


9cellence A1ard by the @entral board of Revenue;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)' "rd/issan time A1ards ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)' Best corporate report a1ard ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)' %thBollan 9cellence A1ard ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)' Achievement A1ard;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)' +o1 to open account ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)% Documents to be attached;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)) 4pecimen 4ignature @ard ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)) 00000000000000000000000000000000000000000000000000000000000000000000000 ;)) Issuance of @heaque boo/ 00000000000000000000000000000000000000000000000000000000000000000000000

@losing account;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; account;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)" ;;;;;;;;;;;;;;;;;;;;)" Dormant account;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; account;;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)" ;;;;;;;;;;;;;;;;;;)" Activation of a dormant account;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)" account;;;;;;;;;;;;;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;)"

Re#iona5 offi.es an/ bran.hes0000000000000000000000000000000000000000000000000067 @urrent staff;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; staff;;;;;;;;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; ;;;;;;;;;;;;;;;; )C @urrent staff according to qualification and e9perience;;;;;;;;;;;;;;;;;;;;;;)C e9perience;;;;;;;;;;;;;;;;;;;;;;) C 4alary structure;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; structure;;;;;;;;;;;;; ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)C ;;;;;;;;;;;;;;;)C 7romotion system;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; )# Incentives and motivation;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)# @ritical analysis of branch;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; )# @ommunication;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;) Recruitment of the staff;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;) 4hort listing of the application ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;) 2ests;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;) Intervie1s;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)

5


Morale of the employees;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)< 7hysical facilities;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)< 7erformance ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;)<

Genera5 bankin# 000000000000000000000000000000000000000000000000000000000000000000062078

4ervices of bop;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;"' A2M;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;"' 7ay order online ban/ing;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;"%

S)OT ana5'sis 000000000000000000000000000000000000000000000000000000000000000000000000077

6rgani3ation structure ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;"C Boar/ of /ire.tor0000000000000000000000000000000000000000000000000000000000000000000000 79 Bop head office;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; "< Branches;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; C' Introduction to Departments;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; C';C"

Porter $o/e50000000000000000000000000000000000000000000000000000000000000000000000000000:: Re.o$$en/ation 0000000000000000000000000000000000000000000000000000000000000000000000:2 (on.5usion 00000000000000000000000000000000000000000000000000000000000000000000000000000098 Abbre&iation;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; 98 Referen.es 00000000000000000000000000000000000000000000000000000000000000000000000000000009;

Intro/u.tion 6


Ba.k#roun/ of stu/'

In the niversity of 8u0rat required for the students to do an internship for at least si9 1ee/ period of si9 1ee/s period of time in any business organi3ation. 4o for my internship reports I choose the ban/ of 7un0ab Ramtalai campus in my district. 2he ban/ of 7un0ab is very emerging ban/ in our city and it 1ill be good for me to gain some practical /no1ledge in that /ind of field of life. Purpose

2he purpose of this internship report is to learn the organi3ation s/ill. -hen you are doing internship in an organi3ation you 1ill learn different /ind of s/ills li/e accounting reporting communication and managerial s/ills. 4o on si9 1ee/ period the purpose 1ill be to enhance the level of learning in business organi3ation. Or#ani3ation

2he ban/ of 7un0ab is becoming one of the most emerging ban/s. B67 introducing a lot of ne1 schemes to their customers and also it 1ill a good e9perience for to choose the B67 because some of friends did their internship in this ban/ they find it very good for learning. Resear.h ,etho/o5o#'

2here are t1o 1ays to collect the data • •

7rimary data 4econdary data

7rimary data based on the observation /no1ledge gathered from questionnaires and intervie1s. 4econdary data contains material 1ith the help of internet articles and 1ith courtesy of the employees of B67. Su$$ar'

I am student of 68 and doing MBA and my specification is in finance. As our university required doing internship in any 6rgani3ation for the practical /no1ledge I choose the B67 ramtalai branch of the internship of si9 1ee/s. 2he ob0ective of my internship is to enhance my professional managerial s/ills in that field and also enter in practical life. Bankin# Histor' of Pakistan

7


Bankin# E&o5ution in Pakistan

6ur ban/ing history starts 1ith the establishment of the state ban/ of 7a/istan in %C= at that particular time the domestics ban/s 1as limited .the aim for state ban/ of 7a/istan is to develop the commercial ban/ing system in 7a/istan and ma/e proper channel for financial resources so according to that agenda the ban/ establishes establ ishes li/e national ban/ Allied ban/ and +abib ban/. Nationa5i3ation A.t

@ommercial ban/ing 1as at pea/ in the late si9ties and early seventies until the time our 8overnment declared the nationali3ation policy in %
Pri&ati3ations

In %% the nationali3ation act 1as ended and then again )" ban/s 1ere established Muslim commercial ban/ 1as privati3ed in %% and the management of Allied ban/ of 7a/istan too/ most of o1nership. After that many ban/s established and by the end of %< there 1ere )% domestic ban/s and )< foreign ban/s. Or#ani3ation

Intro/u.tion

2he ban/ of 7un0ab 1as created under the ban/ of 7un0ab act %= in the % >ovember %==. 2he ban/ of 7un0ab established its first branch in *ahore. It 1as mended as non scheduled ban/ in the 7un0ab province. Because it 1as government support ban/ the main customer of the ban/ 1ere the 8overnment employees. But 1ith the passage of time they increase their target mar/et so in %C the ban/ of 7un0ab converted into schedule ban/ and then they opened branches all over the 7a/istan. 2oday they have )=' branches all over the country. 2he ban/ of 7un0ab has indeed entered a ne1 era of science to the nation under e9perience e9perience and professional professional hands of its management. management. 2he ban/ 7un0ab plays plays a vital role in 8


the nation national al econom economy y throug through h mobil mobili3at i3ation ion of local local resourc resources es promo promotin ting g saving saving and providing funds for investment. 2he ban/ of 7un0ab offers attractive rates of profit on all depo;;;sits: oing of foreign currency accounts and handling of foreign e9change business for e9ample imports e9ports and remittance financing trade and industry for 1or/ing capital requirements and money mar/et operation. Nature of business

6ne of the most important businesses in the 1orld is ban/ing. In our country ban/s plays vital role in the national economy. Ban/s are li/e bac/bone of our country they provide money for different sectors of economy /eeping our economy progress. 2hey provide finance to the agriculture sectors 1hich is vital to our economy so they are mobili3ing our resources indirectly or directly. ,ission State$ent

E2o e9ceed the e9pectations of our sta/eholders by leveraging our relationship 1ith the government of 7un0ab and delivering a complete range of professional solutions 1ith a focus on program driven products and services in the agriculture and middle tire mar/ets through a motivated team.F
E2o be a customer focused ban/ 1ith service e9cellence.F Source: http://www.bop.com.pk/ (ore
• •

• •

6ur customers are our first priority. 7rofitability for the prosperity of our sta/e holders that allo1 as to constantly investing improve and succeed. @orporate social responsibility is to enrich the lives of community 1here 1e operate. Recognition and Re1ard is for the talented and performing employees 9cellence in everything 1e do. Integrity is in all our dealing. Respect for our customer and each.

Source: http://www.bop.com.pk/

Bran.h intro/u.tion

9


2otal 2otal number of employees in Ramtalai Road branch is seven. 2he branch 1as handled branch manager Mr.fasial. Mr.fasial. 2he flo1 chart of responsibilities and designation are sho1n in management hierarchy.

Branch Manger

&peration Manger

(re#it

Remittan

$#'anc

Short Term

Mortgage

"oreign

$cco%nt &pening

Import

!port

2he top most authority in a branch is the branch manger the rest of staff comes under his span of control. 2hen comes the operational manager then operational grade % operational grade ) operational grade " and then clerical staff li/e cash officer 0unior cash officer. 2he hierarchy according to the responsibilities performed is also classified as follo1s. 2he services in ban/ of 7un0ab are classified in different categories.

(ate#or' A

10

(ate#or' B

(ate#or' (

(ate#or' + >on;@lerical


Presi/ent

E-e.uti&e &i.e presi/ent =E
Senior &i.e presi/ent =A
Assistant &i.e presi/ent =A

6fficer 8rade I

@lerical 4taff

4taff

6fficer 8rade II

,,,,..

Driver

6fficer 8rade III @ash 6fficer

,,,,,

8uards

,,,,,

8ate Geepers

..................

2ea Boys

,,,,,,. .

Super&isors

I did my internship in B67 ramtalai branch. 2he supervisor has been a ssigned to me is Mr. 5asim. -hen I started my internship in ban/ they provided me full support. • • • • •

aisal Branch Manager *ayaqat Ali 6perating Manager Miss Anila Account 6pening 6fficer Mr. 5asim Ali Ra3a oreign account opening officer ) @asher 6fficer

)eek5' Ti$etab5e? -ee/ly details of my internship according to date and day are as under$ through the strategies. 2he board guidelines laid do1n by the 4B7 are strictly follo1ed by B67 @

;st )eek?

Re$ittan.es +ate )).<.)'%) )"..)'%) )C..)'%) )#..)'%)

)..)'%) 11

;st )e )eek ek +a' Monday 2uesday -ednesday 2hursday

riday

+epart$ent? Internship A.ti&it' Introduction of Remittance -estern nion oreign Remittance oreign e9change dealings @ash Deposits Receipts @heque Deposits Receipts Data Recorded for Internship Report


6n/ )eek? 6n/ )e )eek ek +ate 6@81@68;6 78@1@68;6 7;@1@68;6 ;@2@68;6 6@2@68;6

+epart$ent? Operations +a' Monday 2uesday -ednesday 2hursday riday

Internship A.ti&it' Introduction of 6perations 4upervision of clearing 6nline 2ransfer of unds Demand Draft @ashier @heque Data Recorded for Internship Report

7r/ )eek? 7r/ )e )eek ek +ate ;@2@68;6 68@2@68;6 6;@2@68;6 66@2@68;6

+epart$ent? Operations +a' Monday 2uesday -ednesday 2hursday

Internship A.ti&it' @hec/ deposits Inter @ity @learing 6ut1ard @learing In1ard @learing 6ut1ard @learing Data Recorded for Internship Report

:th )eek? :th )eek +ate 67@2@68;6 6@2@68;6

+epart$ent? (ash +a' riday Monday

Internship A.ti&it' @hecque collection verification & payments Data recorded for internship Report

9th )eek? 9th )eek +ate 6@2@68;7 61@2@68;7 62@2@68;7

12

+epart$ent? (ash +a' Monday 2uesday -ednesday

Internship A.ti&it' @ash received cash payments & management 6rder ob0ection voucher & A2M problems oreign remittance payments and deposit receipts


6@2@68;7

2hursday

Data recorded for internship report

th )eek? th )e )eek ek 78@2@68;7 6@@68;7 7@@68;7 :@@68;7 9@@68;7

+epart$ent? A..ount riday Monday 2uesday -ednesday 2hursday

riday

@@68;7

Internship A.ti&it' Account 6pening 7rocedure account types and ris/y account opening oreign Accounts filled Minor account opening forms filled & stamped Data recorded for internship report

+etai5s of +epart$ents +epart$ents of Internship

During During my internship I have been 1or/ing 1or/ing in follo1ing follo1ing departments departments 1hich are operations operations Departm Department ent cash Departm Department ent remitta remittance nce Depart Departmen ment t @learin @learing g Departm Department ent and sales sales Department. Details of these departments along 1ith activities being carried out there are as under$ Operations +epart$ent

In 6peration Department activities are requiring nature are handled. 6peration manager are handle all quires and problems of customer of branches and mployees as 1ell. Activities of operation Department are as under$      

@ash Deposits @haque payments @haque Deposits 4upervision of clearing 6nline transfer of funds Demand Draft

13




@ashier chaque

A..ount +epart$ent

In account Department activities of different account opening and verification are handled.   

Ris/y account oreign account Minor account

Re$ittan.es +epart$ent

In remittance Department matters of transfer of cash from foreign countries and other ban/s are handled bill for collection are also handled. Main activities of this Department are as under$           

Bill for collection In1ard Bill for collection 6ut1ard Bill for collection -estern nion Aftaab e9change *ulo e9change asy paisa +abib e9press 9press money Remittance In1ard Remittance out1ard

(5earin# +epart$ent

In clearing Departments chec/ dra1n on 76B by others ban/s are handled. @ore activities are this Department is$  

6ut1ard clearing In1ard clearing

(ash +epart$ent

In cash Department dealing of cash received and cash payment is handled . cash recieots are in the form of deposits in account Demand draft  transfer commission and other instruments that can be sold in the mar/et. Main activities of cash Department are$  

@ash receipts @ash payments

14


 

@ash management +andling of fresh cash

Su$$ar' of 5earnin#      

During my internship I have learned a lotI have learnedH +o1 handle customers +o1 to attract ne1 customers (mar/eting strategies &schemes! +o1 to 1or/s professionally +o1 to solve problems of customers in ban/ and provide them gaudiness in problems +o1 to open account

Ginds of Responsibilities nderta/en During Internship$ ollo1ing responsibilities I have underta/en during my internship$ Responsibilities of sending cheques through clearing Responsibilities of sending ne1 accounts to +ead 6ffice Responsibilities of Accounts opening and verification Responsibilities of cash management. Responsibilities of oreign account managements and dealings. )orkin# in /ifferent /epart$ents During my internship I observed that other internees in the ban/ use to stic/ 1ith one department only. An internee 1ith speciali3ation in inance 1as of the vie1 that he should be in inance department same 1as the case 1ith other speciali3ed internees .But I 1ould suggest that one must 1or/s in department for some time to gain a hand on e9perience of all the departments. As in real 1or/ing environment employee have to coordinate 1ith other departments so heshe must /no1 1hat the other Departments operations are ho1 they 1or/. (orre5ation of internship A.ti&ities 4ith .5assroo$ kno45e/#e I have observed during my internship that classroom /no1ledge and internship Activities are correlated positively someho1.

Professiona5 Trainin#

4eriously the staff is needs some professional training. the methods are not up dated they are using old method to do their 0obs. 2hey do not bring change and 1ant to do same routine 1or/. 4o for that purpose B67 should provide training facilities to its employees. (re/it .ar/ fa.i5it'

@urre @urrent ntly ly there there 1as 1as no credi creditt card card facil facility ity in our our ban/ ban/.. 4o effo effort rtss must must be made made by introducing credit card facility at our branch. 15


Staff Re5ations

During my internship I 1itnessed that staff relation 1ere not up to the mar/. Most of the employee:s behavior 1as not good to each other. 4o it my suggestion to the employees to build the strong professional relationship. Respect in our customer and each other. other. Re5ationship of hea/ offi.e to the bran.h offi.e?

2he relationship of head office to the branch office is also termed as the management hierarchy. 2here 2here is a certain method of communication bet1een head office and branch office. If head office 1ant communicate 1ith the regional office the regional office 1ill communicate 1ith the area branch office and then the area branch office 1ill finally communicate 1ith branch office. +ead office

reg regional office

area branchbra hbran nch office

Bankin# se.tor of Pakistan

Ban/ play very important role in the economy of a country and 7a/istan is no e9emption. Ban/s in 7a/istan account for # of the financial sector. 7a/istan has a 1ell developed ban/ing system 1hich consist of a 1ide varie ty of institutions ranging from central ban/s to commercial ban/s and to speciali3ed agencies to cater for special requirements of specific sectors. 7a/istan 7a/istan came in to being on %C th August %C< sufficient ban/ing services 1ere available in the areas forming 7a/istan. 6ut of the total branches of the nearly "#'' in the undivided India as many as about %#'' branches 1ere e9isting in these areas. It 1as agreed bet1een the t1o countries that reserve ban/ of India shall continue to function in 7a/istan territory until "'th 4eptember %C= and that Indian notes 1ould continue to be legal tender at 7a/istan until "' th 4eptember %C=. nfortunately relationship bet1een t1o countries becomes most strained immediately after independence. Ban/ing 1as mostly in lands of +indus 1ho immediately started transferring their offices and assets into India. As a result most of ban/s in 7a/istan 1ere closed do1n and even those 1hich 1ere open 1ere not doing any effective business. 2he number of ban/ing office in 7a/istan came do1n to about )'' on "' th June %C=. Branches of some uropean ban/s 1ere also functioning in a limited manner financing in e9port of crops and their number 1as limited to about )'. It 1as only the +abib ban/ 1hich transferred its office from Bombay to Garachi Austral Asia ban/ 1as into another ban/ 1hich 1as in e9istence in 7a/istan territory at the time of independence. Despite of best efforts on the part of government of 7a/istan no heavy 1ay 16


could be made on this behalf and reserve ban/ of India 1as in no mood to help the ne1 country. Imperial ban/ of India agent of reserve ban/ of India also started closing do1n its branches in 7a/istan. Reserve ban/ also refused to advance money to 7a/istan to ma/e essential payments such as salaries etc also 7a/istan:s share of Rs. <# Billion in cash balance 1as 1ith the held by ban/ causing hardship to the ne1ly born state. In vie1 of these hopeless state affairs it 1as agreed bet1een the t1o countries that reserve ban/ 1ould serve as monetary authority in 7a/istan only up to "' th June %C=. %C=. 2he era of 's 1as the clima9 of privati3ation privati3ation Deregulation Deregulation and restructuring in the domestic ban/ing industry and financial institutions the 8overnment only o1ns the national ban/ but =' of the ban/ assets are in private sector. Ban/ing assets arose three;folds over the last five years and industry si3e is reaching Rs C trillion. 2he contribution of ban/ing sector to 8D7 ratio is ##.. 7a/istan has been ran/ed ) nd in performance and efficiency indicators among the south Asian countries by the -orld Ban/. 2here are = scheduled ban/s of 1hich the top five have #' of mar/et share. Ban/ing industry in 7a/istan is currently currentl y under a 1ave of Mergers and Acquistions.

Go&ern$ent o4ne/ banks

Pri&ati3e/ Banks?

Karai2araqiati Ban/ *imited

Allied Ban/ *imited

Industrial Development Ban/ of 7a/istan

+abib Ban/ *imited

irst -omen -omen Ban/ *imited

M@B Ban/ *imited

Ghushhali Ban/ *imited

nited Ban/ *imited

>ational Ban/ of 7a/istan

+e&e5op$ent finan.ia5 institution

2he Ban/ of Ghyber

7a/ 6man Investment @ompany *imited

4M Ban/ *imited

+ouse Building inance @orporation

2he Ban/ of 7un0ab

>ational Investment 2rust *imited

2he 7un0ab 7rovincial @ooperative Ban/ *imited

7a/ Brunei Investment @ompany *imited

Pri&ate banks

7a/ Iran Joint Investment

17


@ompany *imited Ban/ A* +abib *imited

7a/ Gu1ait Investment @ompany

Mee3an Ban/ *imited

7a/ *ibya +olding @ompany (7vt.! *imited

GA4B Ban/ *imited

Forei#n Banks?

+abi +abib b Met Metro ropo poli lita tan n Ban Ban/ / *im *imit ited ed

6man 6man Inte Intern rnat atio iona nall Ban Ban/ / 4.6.A.8. 7a/istan

aysal Ban/ *imited

+4B@ Ban/ Middle ast *imited 7a/istan

mirates 8lobal Islamic Ban/ *imited

@itiban/ >.A. 7a/istan

Dubai Islamic Ban/ 7a/istan *imited

Deutsche Ban/ A8 7a/istan

Da1ood Islamic Ban/ *imited

Pri&ate banks an/ /e&e5op$ent institution

Arif+abib Ban/ *imited

Ban/ of 2o/yo 2o/yo Mitsubishi J *imited 7a/istan

Barclays Ba Ban/ 7*@ 7a/istan

Ro3gar Micro inance Ban/ *imited

As/ari Ban/ *imited

2ameer 2ameer Micro inance Ban/ *imited

Atlas Ban/ *imited

7a/ 6man Microfinance Ban/ *imited

Ban/ Alfalah *imited

7a/;@hina Investment @ompany *imited

>IB Ban/ *imited

7a/;@hina Investment @ompany *imited

2he Royal Ban/ of 4cotland

>et1or/ Micro inance Ban/ *imited

18


4tandard @hartered Ban/ (7a/istan! *imited

GA4+ Microfinance Ban/ *imited

4il/ban/ *imited ormerly 4audi 7a/ @ommercial Ban/ *imited

4oneri Ban/ *imited

myban/ *imited

4amba Ban/ *imited ormerly @rescent @ommercial Ban/ *imited

Ro5e of BOP in Pakistan? 

B67 creating employment opportunities by increasing its number of branches and



e9tending its reach to for off areas of 7un0ab. B67 is playing very positive role in the economy by mobili3ing the resources and



channeli3ing the fund. Agriculture is the bac/bone of our country:s economy. economy. B67 is faciliting the



agriculture sector by providing a number Gisan dost scheme 1hich are helping the lo1er and middle class of our villagers. B67 is committed to provide e9cellent services to the customer at very reasonable



cost. B67 is playing a critical role in increasing the 8D7. B67 is providing different types of loans to the industrial sectors 1hich are also



helping the country:s output to increase. 2he foreign e9change trade department is functioning very efficiently 1hich is



facilitating the businesses to import and e9port the merchandise. B67 financing the ideas of female ntrepreneur 1hich is producing fruitful



results. 2he B67 is also providing loans to the mille class people by providing loans to



the 7eople for their shops and offices.

A4ar/s an/ A.hie&e$ents E-.e55en.e A4ar/ b' the .entra5 boar/ of Re&enue

2he central board of Revenue presented E9cellence A1ardF A1ardF to the ban/ of 7un0ab in recognitions of contribution made by the ban/ to1ard 8overnment 9chequre. 7r/ Kissan Ti$e A4ar/s A4ar/s

19


In Recognition of ban/:s contribution in development and gro1th of agricultural sectors the ban/ honored 1ith the ban/ of agriculture *oans and EBest ban/ of crop insuranceF under " rd /issan time A1ards year )''. Best (orporate Report A4ar/

Annual Report of ban/ for the year )''# 1on #th position for Ethe best corporate repot A1ardF A1ardF for the financial sector ad0usticated 0ointly by the institute of chartered Account of 7a/istan and the Institute of cost and management Account of 7a/istan. ;th Bo5an E-.e55en.e A4ar/

2he ban/ 1as a1arded best ban/ A1ard A1ard under %# th Bloan 9cellence a1ards distribute in )''. A.hie&e$ent A.hie&e$en t A4ar/ A4ar/

2he *ahore chamber of commerce & industry (*@@I! a1arded the ban/ *@@I achievement A1ard )''. Ho4 to open A..ount

-hen a customer 1ants to open ac. he comes in this Department of ban/ and submits an application application for opening an ac. the officer of this department department gives him an application application form. 2he application application form is useful for all account account opening e.g. 7*4 @D etc. the requirements requirements of application form are this information 1hich ban/ 1ants to /no1. ollo1ing ollo1ing are in the ban/$

T'pes of a..ounts In/i&i/ua5 A..ount Proprietorship !oint A..ount PartnershipCFir$s (5ubD So.iet'D Asso.iation of Persons Trust *i$ite/ (o$pan'

Ne.essar' infor$ationD 4hi.h a bank reuires

20


•

Na$e

•

6perating Instructions

•

A//ress

•

Introducer

•

Te5ephone Te 5ephone 

•

@ountry of residence

•

akat +e/u.tion

•

•

Si#nature of the App5i.ant

•

Account (local or foreign

•

currency! 4pecial Instruction Regarding

•

+etai5s of other Banks A..ounts

>ature of Business

the Account

+o.u$ent to be atta.he/ 

Attested photo copy of >I@passport of account holder proprietor partner



Directors and office Bearers as the case may be. @ertified true copy of the certification on incorporation or registration (in case of



companies and registered bodies only!. @ertified true copy of the certified of commencement of business (in case of



public limited companies only! @ertified true copy of the memorandum and articles of association(in case of



limited companies!. @ertified true copy of rules and regulation or by;la1(in case of limited



companies!. @ertified true copy of the Resolution of the Board of DirectorManaging



committee8overning Body regarding conduct of the account. *ist containing names and signatures of the Director6ffice Bearer duly certified

 

by registration authority. *atter of partnership or certified copy of partnership dead (in case of partnership!. 2rust deed and board Resolution for trust accounts.

Spe.i$en si#nature .ar/

-hen an account is opened 1ith account opening form a specimen signature card is given to the customer 1ho contains$  

21

Branch code Date


     

Account >o. 2itle of account 4pecial instruction >ames 4ignatures Approved by

2he custom customers ers fill this card card and return to ban/ ban/ officer officer.. or illiterate illiterate person thumb thumb impression are ta/en and to latest passport photograph shall b ta/en. 2he specimen signature card is scanned in the computer system so that 1henever the account holder cheque 1ill come the ban/ officer 1ill verify his signature to the computer. Issuan.e of .heue Book

Any account holder that has opened the account heshe credit hisher account and for this purpose there should be a cheque boo/ so heshe could be able to credited the need amount 1hatever heshe 1ishes. or the issuance of the cheque boo/ a person is advice to fill a requisite slip 1ith hisher full name and their account 1ith t1o verified signature. 2hese signatures are chec/ed and then another requisite slip prepared by ban/ staff send to the >I2 and it issue the printed cheques boo/s after completion of the procedure in t1o or three days. Account holder another person could also ta/e the cheque boo/ only heshe authori3ed signature of the account holder. -hen the cheque is issued they are feed in the computer system from the requisite slip so 1hen the cheque is given for the credit  transfer transfer of amount they could chec/ed. In this 1ay neither neither the cheque cheque could be repeated repeated nor could the invalid cheque claimed. (5osin# of A..ount

2he customer can close his account by submitting an application form. 2he account is closed and balance is paid after deducting the closing charges and application in filled in account closing file. @heque boo/ is returned to the ban/. 2he ban/ officer cancels all the cheques. +or$ant A..ount

-hen any customer does not operate his account for  months then computer automatically automatic ally includes that account holder in an active account. 2his is dormant account. >o1 account holder cannot operate his account. Ban/ informs him that your account is no1 in active. A.ti&ation of a +or$ant A..ount

or activation a dormant account the account holder submits an application that he 1ants to activate his inactivate account 1ith >.I.D. copy. 2hen the ban/ officer fills an account 1hich is account activating form the ban/ manager sigs on the stamp of EAllo1 to operateF. >o1 22


account holder can operate his account but for activating his account he has to pay some charges. Re#iona5 offi.e an/ bran.hes?

Ne.essar' infor$ationD 4hi.h a bank reuires •

Na$e

•

6perating Instructions

•

A//ress

•

Introducer

•

Te5ephone Te 5ephone 

•

@ountry of residence

•

akat +e/u.tion

•

•

Si#nature of the App5i.ant

•

Account (local or foreign

•

currency! 4pecial Instruction Regarding

•

+etai5s of other Banks

>ature of Business

the Account

A..ounts

2he total number of branches of B67 is )<) in the 1hole country. It has no branch in foreign countries. (urrent staff?

2here are seven employees in the branch. 2hey are much qualified have /no1ledge of general ban/ing. 2here is a proper hierarchy in the branch and everyone /no1s his responsibilities. (urrent Staff a..or/in# to ua5ifi.ation an/ e-perien.e? Na$es

ua5ifi.ation

E-perien.e

Faisa5

,S( Ph'si.s

;; 'ears

*ayaqat Ali

,@(o$

81 'ears

Miss Anila

,S( Ph Ph'si.s

8 'e 'ears

5asim Ali Ra3a

,@A

89'ears

E.ono$i.s Sa5ar' stru.ture?

23


B67 is offering handsome salary pac/ages to its employees. Its salary structure is as follo1s$

+esi#nation (ash offi.er Offi.er Gra/e 7 Offi.er Gra/e 6 Offi.er Gra/e ;

Startin# sa5ar' in rupees =''' %''' )C''' "#'''

Apart from the salary the other incentives are also provided. Pro$otion s'ste$? 

2he employees are promoted to reinforce the desire able performance. 2here are



certain criteria on 1hich employees are evaluated. mployees are promoted on the basis of performance and their commitment

  

to1ard their 0obs. mployees are also promoted on the basis of their e9perience and qualification. 2he highest ran/ in a branch is 68%. 2he performance is evaluated on the basis of 1or/ing as 1ell as number of deposits brought by that employee.

In.enti&es an/ $oti&ation? $ oti&ation? In.enti&es?    

21o 21o bonuses on id ul fitr and id ul A3ha. ach bonus is equal to one basic salar y. 7erformance bonus at the end of the year based on performance. 7rovident fund Medical allo1ance

,oti&ation?     

mployees are motivated through the benefits and salary mployees are motivated 1hen their hard 1or/ is recogni3ed. 2he staff of branch is also motivated due the success of branch and organi3ation. 2here is no separate room for the manger of branch. 2he environment of branch is very congested.

24


(riti.a5 ana5'sis of bran.h? 

         

2he branch is situated in ramtalai road 1hich is busies place of 8u0rat. 2he trading activities are on the rise 1here the branch is located so there is huge potential for branch to increase its deposits and improve its mar/et share. 2he number of deposits is increasing day by day. 2he attitude of staff to1ard their customer is very polite 2he online ban/ing facility is very quic/ and responsive. 2he security system of the branch is not satisfactory security may lapses may occur at times. mployees are not 1ell dressed 2he budget fir employee entertainment is very lo1. mployees are highly trained. 2he salary pac/ages are not attractive as compare to other ban/s. >o refreshment is provided after meeting. 2he latest computer systems are provided to the employees.

(o$$uni.ation

2he communication bet1een employees is not goodH employees interact 1ith each other through the loud voices. 2here is no intercom system in branch. 2hey interact 1ith each other 1ith 7un0abi. 2hey communicate 1ith customer 1ith informal 1ay and overall communication system in not 1ell in ban/ing system. Re.ruit$ent of staff

Recruiting is the discovery of potential s/ill of the employees to fulfill organi3ational needs or 1e can say that it is lin/ing activities of bring together employees 1ith s/ills to fill the vacancies. 2he recruitment procedure has follo1ing steps. Short0*istin# of the app5i.ation

In this step thousand thousand of the candidates candidates apply for limited posts posts available. 2he calls and send by the head office to only those those candidates 1ho fulfill the requirement of 0ob advertised @ Tests

>B7 under under the super vision of institute of ban/ers in 7a/istan conduct test. After the 2est the applicants are further short; listed. 25


Inter&ie4s

or the intervie1 only those candidates are called 1ho qualify the 1ritten test. Different types of questions are as/ed from candidates by the intervie1ing board. Intervie1 questions include A! 5uestion 5uestion about personal bac/ground bac/ground e9tracurricula e9tracurricularr activities during education education and personal contacts. B! About the the rule of ban/ing ban/ing in current current situation situation of economy economy.. @! Role of foreign foreign enterpri enterprise se in public public economy economy etc. etc. ,ora5e of the e$p5o'ees?

Morale of some employees is very high. 4ome of employees are not much dedicated as others. Most of the employees are committed to their 0obs and they loo/ very involved in their 1or/. 6verall the staff of branch is very motivated and they 1anted to e9cel in their respective fields. Ph'si.a5 fa.i5ities?  

6verall physical facilities in the branch are very good. All the general ban/ing operations are done through manually supported computer



system. +igh speed branded computer are provided to the employees so that they can perform

    

their duties quic/ly. Air conditioners are installed to provide comfort to employees and their client of B67. 2he branch is decorated 1ith comfortable furniture. 8ood loo/ing and durable furniture is provided. @ash officer:s cabin is 1ell guarded to avoid any undesirable event. a9 machine and laser printer are also provided. It is online branch so internet connectivity is provided 1ith throughout the 1or/ing hours.

Perfor$an.e?

2he performance of the branch has improved to a great e9tentH this is can be by the number of deposits and degree of the satisfaction of customers. Perfor$an.e in the ter$ of .usto$ers satisfa.tion?

2he customers are much satisfied as I observed during my internshipH there is a good 26


relationship bet1een employee and clients. 2he staff of branch is very quic/ to respond the queries of customers. Perfor$an.e in the ter$ of nu$ber of /eposits?

2he performan performance ce of branch branch can be measure measured d from from number number of deposi deposits. ts. @urren @urrently tly the performance of branch is very good. 2he number of deposits is increasing. 2he average numbers of ne1 account opened in a day are # to . 2his sho1s very good performance of the branch. Genera5 Bankin# +eposit bankin#

Along 1ith this ban/ is offering different schemes in all over province. +ere is the detail list of the products and services offered by B67 @ +eposit pro/u.ts    

@urrent accounts B67 basic ban/ing account B67 2i0arat account B67 @L supreme current account

Profit % 5oss sharin# a..ounts?    

B67 7ehlai Munafa 4cheme @orporate premier term account Munafa hi Munafa term account " Bai Misaal term ter m deposit Account

Profit 5oss sharin# .heuin# A..ounts        

7*4 saving Accounts 4enior citi3en saving account 8harayloo 4aving Account Kiada Munafa saving account 7*4 saving profit plus Accounts @orporate 7remier Account B67 7*4 supreme saving Account B67 @L supreme saving s aving Account

(o$$er.ia5 Finan.e

27


       

Running inance Demand inance @ash inance @>8 filling station 4cheme Auto lease financing Ali A/bar 8roup ranchise inancing scheme Altas +onda limited Authori3ed Dealer financing 4cheme inancing scheme purchase of officeshops

A#ri.u5ture .re/it                           

8reen tractor *ease finance scheme Agri inance Branches Agriculture finance scheme Gissan Dost 2ractor scheme 4econd +and tractor lease finance scheme Gissan Dost Abiari scheme Gissan Dost Mechani3ation support scheme Gissan Dost arm transport scheme Gissan Dost slah ;Ara3i scheme Gissan Dost live stoc/ Development scheme live stoc/ Breed Bre ed Improvement 2rough ??Gissan Dost commercial Agro 4ervices Gissan Dost Agri Mall scheme @ommercial lease finance 2ractor scheme Demand inance 4heds @onstruction and civil 1or/s *ease finance facility for Milch Animals running finance *ive stoc/7oultry and fish arms Gissan Dost Model Dairy arms(7DD@! Gissan Dost Model Mil/ collection center(7DD@! Gissan Dost 8reen +ouse inance facility Gissan Dost @old 4torage finance facility scheme for controlled 4heds *ease finance acility for installation of BI6 gas 7lant 8roup inancing to small armers @lean credit facility through 4yngenta ranchisees Kar/aashat Drip Irrigation system Mar/up of scheme

28


Tra/e Finan.e  

2rade processing @enters unctions of 2rade processing @enters

Source:

http://www.bop.com.pk/ Ser&i.es of BOP

2hese are the services provided by B67.             

A2M facilities *etter of credit 7ay order 6nline ban/ing ; Ban/ing Debit @redit @onsumer inancing Agriculture inancing @orporate inancing @ommission free Remittance Demand Draft @ollection of tility Bills *oc/ers facility

Issuan.e of AT, AT,

+ead office issue A2M A2M cards 1ith their 7in codes and 1hen the customer claims for their A2M cards they are chec/ed rom the list that is also issued from the head office and @laim is chec/ed from the list and if the name is found than the card is issued ta/ing the signatures and their 7I> codes are given to them by ta/ing signature on their A2M A2M forms. 2he A2M A2M card has been activated by the number provided at specific card. (an.e55ation of AT, .ar/

@ancellation of A2M A2M card becomes necessary in the follo1ing conditions$ 29




If folded are damaged



4tolen 7I> code missed or forgotten



@ard captured by machine and e9pired



If requested by customer

On5ine Bankin#

B67 is currently offering the online ban/ing facility you 0ust have to fill the form of online ban/ing and they give your username and 1ill access your account a ccount on the internet and 1ill latest information related to your account. Pa' Or/er

B67 is providing the pay order facility in 1hich you transfer your money. 7ay order is a safe and secure 1ay to move the money from one account to another. 2he charges are e9tremely fair. ,ai5 Transfer

Lou Lou can use B67 mail transfer tra nsfer facility and a nd send your money safe and quic/ly. 2he rates are very impressive and competitive. *etter of .re/it

Bop is providing its customers the 1idest range of option in the area of money transfer. 2his service is 1ith fair rates security and ease of transactions and good 1ay to do business transactions. *o.kers

It is one of main facility that B67 is providing at this time so the customer can /eep their valued things li/e gold in safe place.

30


+e$an/ +raft

Bop gives you the safe speedy and reliable 1ay to transfer money at very reasonable rates. Any person 1ith any account holder of the ban/ or not can purchase a Demand Draft from a ban/ branch. Debit @ards B67 provides Apna Apna cash @ard it is an A2 A2M card along 1ith Debit @ard. 2he ront of the card 1ill have the follo1ing matter on it.    

@ash +older >ame International Bin number Magnetic strip 4ignature panel condition of usage M;>et and M;net logo

Business
2he B67 is conducting their business in 7un0ab. And And their main customers cus tomers are government. Mostly government employees are customers for ban/ of 7un0ab. 2he fact and figures of the business volume of the B67 are mentioned belo1. 2hese facts and figure start from )''C to )''< because the ban/ does not provide any figures from there on. )''C

)''#

)''

)''<

Rs(M*! 2otal 2otal assets a ssets

")'

%%%%#C

%C=##

)"C< C

#C==

%'%)

%='"

)#)

CC)'

<<<

%'#

%#%%'

%%=

%=')

)=)""

#C<)C

==C#

%"<<)=

"C"

")C

%'%")'

<"C) %% = %""= C

%"=

)"#"

"='C

CCC

.'=

%'.'%

%".%C

%'.#%

Rs(M*! Revenue 4hareholderNs quity

Rs(M*! Rs(M*!

Investment Rs(M*! Deposits Rs(M*! Advances (net! Rs(M*! Income Rs 74 (Rsshare! 31


 R6I

=

%"

%"



S)OT Ana5'sis

B67 is one of the fastest 8ro1ing ban/s in 7a/istan. In the light of these situations 1e can ma/e an analysis 4-62 analysis is overall evaluation of an organi3ation:s strength 1ea/ness opportunities that effects the organi3ational performance. Best strategies can be accomplished by using 4-62 analysis$   

9ploitation of organi3ation opportunities and strength. >eutrali3ation of threats. @orrection and avoidance of 1ea/ness.

-e can easily formulate 4trategy 1ith the help of 4-62 analysis /eeping the organi3ation mission in conte9t manager focus on the internal strength and competencies and asses the 1ea/ness and threats for organi3ation. Stren#ths? o

2he ma0or share of B67 is o1ned by the 8overnment of 7un0ab so it can develop a

o

good image and trust aamong mong customer. 7ersonal selling has /ey role in the ban/ing services. 2he officers of ban/ of 7un0ab

o

go to the potential customer to develop the business. By the relationship 1ith customer they achieve the deposit targets. 2he officer of B67 is considered very professional in their fields. 2hey do their 0obs

o

according to segment of target mar/et. 2he main strength is to treat their customer as a friend and discuss their problem 1ith them. sing this method the officers created high perception of the ban/ in the customers

o

mind and this is 1hy customers have trust and loyal relationship 1ith the ban/. B67 rapidly opening their branches all over their country so that their customers can easily e9cess to the ban/. 2he ban/ of 7un0ab 7un0ab has very good internal system. 2he records of customers are held in very secure 1ay and easily accessible.

)eaknesses

A ma0or 1ea/ness of B67 even mentioned by the Auditor is lac/ of internal controls. Desp Despit itee of B67 B67 sever several al servi services ces and and prod produc ucts ts not not even even a single single add add is publ publis ishe hed d on electronic media. 32


During my internship I observed some of the employees burdened 1ith over1or/ 1hich I thin/ should be distributed according to their post and capabilities. avoritism of employees. 2he B67 has very less staff in this branch as compare to upper 7un0ab. 2his creates problem employees have spend most of their time in ban/ to complete their routine 1or/. or this reaso reason n thei theirr norm normal al life life is dist distur urbi bing ng 1hic 1hich h creat createe the the irrit irritati ating ng in the the beha behavi vior orss of employees. Opportunities

o

B67 introduced large number of financial schemes especially Deposit Account. B67 should focus on I2 especially on ;ban/ing as )% st century future is information

o

technology li/e foreign ban/ B67 can design universal account to improve online facility. 2oday the customers have different needs B67 introduced a lot of scheme that 1ill

o

meet the demand of Dynamic customer so 1ith the 1ide range of product and services people are becoming more loyal 1ith the ban/ also branding strategies of ban/ or helping them. Threats o o

Business of all ban/ are gro1ing day by day so B67 has to face strong competitors. 2here are very difficult circumstances in our country at this particular time ban/ing sector sector is facing facing diffic difficult ult situati situation on the B67 is ma/ing ma/ing higher higher profit profit the adverse adverse situation can be harm the ban/ financially

o

Businesses of all the ban/s are gro1ing day by day so bop has to face strong

o

competitors. 2here are very difficult circumstances in our country at this particular time ban/ing sector is facing difficult situation although the B67 is ma/ing the higher profit the adverse situation can harm the ban/ financially Or#ani3ationa5 Stru.ture

Boar# o) *irectors

33


+resi#ent

(orporate hea#

(ommerci a, -ea#

(ons%mer -ea#

Regiona, -ea#s

Branches

Boar/ of +ire.tors

34

Retai, -ea#


Na$e

+esi#nation

Mr. Abdul 8hafoorMir3a

@hairman

Mr. arooq Ahmed A1an

Director

Mr. Junaid Ashraf Gha1a0a

Director

Mr. Muhammad >aveedMasud

Director

Mr. Ri31anllah Ghan

Director

Mr. 4hafqatMahmood

Director

Mr. 2ariq Ba01a

Director

Mr. 2ariq Mahmood 7asha

Director

Mr. >aeemuddin Ghan

7resident

Mr. Ra3a4aeed

4ecretary to the Board

Bop ,ana#e$ent Sr@ No

% )

% ) "

%

+esi#nation Presi/ent Se.retariat 7resident Deputy @6

Au/it % Risk Asset Re&ie4 8roup +ead Audit & Ris/ Asset Revie1 +ead RAR & BA4* +ead M4 & I4 Audit (o$$er.ia5 (o$$er.ia5 % Retai5 Finan.e Group 8roup +ead @ommercial Ban/ing & Retail inance Business P5annin# % +e&e5op$ent

35

Na$e

Mr. >aeemuddin Ghan Mr. Ghalid 4iddiq2irmi3ey

Mr. I0a3urRehman5ureshi Mr. Mansoor A/bar Mr. Imran Bashir

Mr. *iaquat Ali


%

%

% )

% )

%

)

+epart$ent +ead Business 7lanning & Development Department Retai5 Finan.e +i&ision +ead Retail inance Division

Mr. 4.M. Atif

(re/it A/$inistration +ead @r @redit Administration Di Division Deputy +ead @redit Administration Division

Mian Mu Muhammad 4h 4harif Mr. 4hahna1a34aeed Ghan

(o$p5ian.e % Interna5 (ontro5 +ead @ompliance & Internal @ontrol +ead @ompliance & Internal @ontrol

Mr. Irfanuddin Mr. +afee3ud Din

(orporate % In&est$ent Bankin# +ead @orporate & Investment Ban/ing 8roup;I +ead @orporate & Investment Ban/ing 8roup;II

%

A#ri.u5ture (re/it +ead Agriculture @redit

% )

Finan.e @hief inancial 6fficer Deputy +ead inance

% ) " C

Hu$an Resour.e 8roup +ead Deputy +ead (Acting! +ead  7r 7rincipal 6fficerNs 2raining Institute +ead 4ecurity  2ransport

*e#a5 36

Mr. 4alman 4aeed

Mr. Ghalid 5aiyum

Mr. Asim Asim Jahangir 4eth

Mr. Abdul 5ayyum4u/hera

Mr. >adeem Amir Mr. Muhammad Iqbal4hah3ad

Mr. MoghisBo/hari Mr. 4ohaib5ureshi 4yed Ka/i Ahmad *t. @ol. (Retd.! 4a0id Ali Ghan


%

+ead *egal

%

Retai5 Bankin# 8roup +ead Retail Ban/ing

) " C

+ead Media & Advertising & R.@ *ahore 4outh Regional 8eneral Manager >orth Regional 8eneral Manager @enter

%

Risk ,ana#e$ent @hief Ris/ 6fficer

% )

OperationsD I@T % Genera5 Ser&i.es 8roup +ead 6perations I.2 & 84D +ead Information 2echnology

"

+ead Administration

C

+ead 8eneral 4ervices

%

Spe.ia5 Proje.ts 8roup +ead 4pecial 7ro0ects

% )

%

%

37

Spe.ia5 Assets ,ana#e$ent +ead 4pecial Asset Management; @ommercial +ead 4pecial Asset Management Transa.tion Bankin# 8roup +ead 2ransaction Ban/ing 8roup & quity @apital Mar/etO Treasur' +ead 2reasury

4yed Mudassar+ussain>aqvi

Mr. 4hahid-aqarMahmood Mr. Ahmed Ahmed Ra3i8ha3ali Ra3 i8ha3ali Mr. AmerMumta3 Mr. Amir +assan

Mr. 2ariq Maqbool

Mr. aqir 4yed A3m Ali Mr. A3har+ussainDila1ari Mr. Muhammad >auman @ol. (R! 2en1irul +assan

Mr. 4a00ad+ussain

Mr. Aamir Mali/ Mr. Mahboobul +assan

Mr. Mustafa +amdani

Mr. Gha1ar4hahid Ansari


http://www.bop.com.pk/

Source:

BOP Hea/ Offi.e

Source: http://www.bop.com.pk/

2he main head office of the B67 is located in the main boulevard road 8ulberg *ahore. 38


Bran.hes Net4ork

Bran.hes Net4ork re#ions  *ahore central;I Region  Multan Region  *ahore @entral;II Region  aisalabad Region  *ahore north Region  8u0ran1ala Region  *ahore south Region  8u0rat Region  7esha1ar Region  Baha1alpur Region 39


         

Islamabad Region D.8.Ghan P Region Ra1alpindi Region Jhelum Region 4ial/ot Region 4hei/hupura Region Baha1alnagar Region 4ahi1al Region Jhang Region Ghushab Region

Intro/u.tion to +epart$ents

Ban/ of 7un0ab is one of the most emerging e merging ban/s in our country. In recent times they have increased their net1or/ of branches and no1 they are reaching to every one possible customer li/e the others ban/s the ban/ of 7un0ab 1or/s 1ith mostly all ban/ing operation. 2here are follo1ing departments that are 1or/ing in ban/ of 7un0ab. • • • • • •

Deposit Department Remittances Department @learing Department Account Department Bill Department @redit Department

+eposit +epart$ent

6ne thing is sure here those ban/s are mostly relying on their customer 1hich gives them their capital in form of the deposit. 2his deposit belongs to the different parties. Ban/ ma/es huge profit if the spread bet1een the lending and borro1ed rate is 1ide. If the ban/ has larger capital it gives more credit to parties and 1ill earn more profit. Ban/ does not ta/e deposit for the purpose of the save /eeping they ta/e the deposit lend to other parties. It becomes the relationship of the creditor and debtor. @ustomer is then become the creditor for the ban/ and same vice versa. 4o ban/ must ma/e proper investment of the money to earn a profit Ban/ of 7un0ab provides different /ind of deposits in their ban/. 4ome of them are 1ritten as follo1 • •

@urrent or demand Deposits 4aving Deposit

40


• • •

>otice 2erm 2erm Deposit @all Deposits i9ed or 2erm 2erm Deposits

(urrent +eposit

@urrent deposit is that /ind of deposit that gives the customer right to demand the funds 1henever they 1ant. Ban/ does not pay any profit in that /ind of accounts. 2he current deposits are usually ta/en by the business persons or the parties 1hich requires money on daily basis. Sa&in# +eposit

2here are different scheme of saving deposits 1hich are considered the by the salaried class persons. 2he saving deposit gives you the profit on fi9ed period of time. Although Although 1ithdra1n of the money 1ill be restricted at fi9ed period of time. Noti.e Ter$ +eposit

2his is opposite opposite to the demand depositsH depositsH in this /ind of deposit the client easy 1ithdra1 1ithdra1 the money at any time. 2hese deposits are for the shorter period of time. In this /ind of deposit the customer 1ill earn the profit out of its deposit. (a55 +eposits

2hese deposits are given to the ban/ usually by the contractors against any tender. 2hese deposits are 1ithout interest rate or may be interest can be provided 1ith 1ill of the ban/. Ter$ Te r$ +eposits +epos its

2his type of deposit is same to the short notice term deposits but the /ey difference is that these deposits are for the longer period of time. Re$ittan.e +epart$ent

Remittance is considered one of the main functions of the ban/. It means transfer the money from one place to another. 2his department is the responsible for the mobili3ation of the 41


money. In our daily life there is a great need of the remittance. By providing this facility the ban/ of 7un0ab is ma/ing the customer more more loyal to1ards them. T'pes of re$ittan.e

2he ban/ of 7un0ab provide these remittances • • • •

Demand Draft Mail 2ransfer 2elegraphic 2ransfer 7ay 6rder

+e$an/ +raft

Demand draft is an order in 1riting given by one branch of the ban/ on the behalf of the customer to another branch of the same ban/ 1ith certain person. PRO(E+RE

%. A draft voucher voucher contains contains the follo1 follo1ing ing information information o >ame of the parties involved o Date o Amount to be sent Account number (if DD is crossed! o ). ?oucher is filled filled to earn earn e9cise e9cise duty and and e9change e9change commissio commission. n. ". 2hen cash cash receipt receipt is sent to the the account account department department to to /eep the the record of of the amount amount paid in cash scroll. C. Accountant Accountant hands hands over over the DD leaf leaf and DD voucher voucher to his assistant assistant to record sender:s sender:s name  amount and #. 7ayee:s 7ayee:s name in in the register register then then assistant assistant gives it to to the officer officer along along 1ith 1ith the DD for for authentication. . After authentic authentication ation of of DD it is given given the sender sender and and advice advice to the concerne concerned d branch. branch. <. 4o as soon soon as party sho1s sho1s the DD payment payment is done done through through the the concerned concerned branch. branch. Parties In&o5&e/

In demand draft follo1ing parties are involved %. 7urcha 7urchaser ser or 4ender 4ender A perso person n 1ho sends money money to a certain certain person person at a particula particular r branch is purchaser.

42


). Issuing Issuing or Dra1ing Dra1ing Branch Branch 2he 2he branch from from 1here 1here the draft issued issued to anothe anotherr branch of the same ban/. ". Dra1er Branch Branch Branch Branch to 1hich draft draft has been been sent and and has to pay the amount. amount. C. 7ayee 7ayee 7ayee 7ayee is a pers person on 1ho is name named d to receiv receivee the the amou amount nt after after sho1 sho1in ing g the the demand draft to the dra1er branch. ,ai5 Transfer

2hrough mail directly credit is sent to the receiver:s account from one branch to another branch of the same ban/. Pro.e/ure

%. irstly the voucher voucher is filled filled 1ith 1ith the amount amount to to be sent sent name and and account account number number of the payee date and the name of the branch to be sent. ). ?oucher is filled filled to earn income income in order to e9change e9change postage postage the amount amount to the mail transfer. ". 2he sender sender deposits deposits the the total amount amount in the cash cash departmen department. t. C. 2he cash cash officer officer affi9 affi9 receiv received ed cash stamp stamp & amount amount 1ritten 1ritten on it 1ith 1ith red lin/ and and hands it over the voucher the officer. #. 2he officer officer 1rites 1rites the cash cash amount amount in the scroll scroll and gives gives it to his his assistant. assistant. . Mt leaf is filled filled according according to the informat information ion given given on the the voucher voucher by the the sender then then this information is noted on M2 register 1hich is sent to the officer for authentication. Te5e#raphi. Te 5e#raphi. Tr Transfer ansfer

Most urgent 1ay of sending s ending money is 2elegraphic 2elegraphic 2ransfer 22 by 1hich the sender remits the money urgently. urgently. Manager of the branch issues 22 in this case to the sender. Pro.e/ure

%. 2he manage managerr and officer officer use coding coding techni technique que for sendin sending g 22 1hich 1hich is allotted allotted as ban/ branch code. ). After all the the conformatio conformation n payment payment is done done to the receiver receiver but but if sender 1ants 1ants to send send same massage. ". 2hrough 2hrough telephon telephonee he has to pay pay e9tra charge chargerr along 1ith 1ith 22 22 charges. charges.

43


(5earin# +epart$ent

2his department receives different /ind of instrument of the behalf of customer. Instruments 1ith clearing and date stamp fi9ed on it dra1n on ban/s as 1ell as B67 in same city are called clearing. T'pes of (5earin#

2here are t1o types of clearing • •

6ut1ard @learing In1ard @learing

In4ar/ (5earin#

2hese are those chec/s that are cleared inter branch and 1ithin the city. As the concerned branch receive any type of clearing chec/ first of all physical chec/ing is ta/en place. or clearing procedure there should be t1o days margin. 2hese cheques have their vouchers and the amount of the cheque and voucher should be identical. 2han these cheques are stamped and noted on receiving sheet as 1ell as feed in to the computeri3ed system. Out4ar/ (5earin#

2hese are those cheques that are cleared outside the city. or out1ard clearing cheques are send because the home branch has their accounts accounts but chec/s are of the other ban/s. @ontras of these cheques are vouchers that are recorded in the home branch. A..ounts +epart$ent

Account department is the main function of the ban/. It plays a main function for the performance of the ban/. 2he account department is no1 become a computeri3ed and all the debit and credit entries are no1 made in the computer. 2he computer than create t1o types of voucher. Debit voucher and credit voucher. Bi55s +epart$ent

44


As the name suggest this particular department handles the bills for collection. 2hese bills include cheque draft and pay order call deposits etc. 1ith outstation branches of B67 or 1ith other ban/s. +e four main heads of bill department is. • • • •

6ut1ard Bill for @ollection (6B@! In1ard Bills or @ollection (IB@! 6ut1ard Documentary Bills or @ollection (6DB@! In1ard Documentary Bills or @ollection (IDB@!

(re/it +epart$ent

2his department deals 1ith loan function of the ban/. It produces the ma0or ban/ income and it is main area for ban/ concern. 2here are # principles that must observe 1hile advancing money to the borro1ers • • • • •

4afety *iquidity Disposal Remuneration 4uitability

Porter $o/e5? ;@ En Entr tr' ' bar barri rier erss =hi =hi#h #h>>

2he 7a/istani mar/et is highly regulated by the government and also als o by central ban/. A lot of decision such as regulari3ation of interest on loans and deposits as 1ell as money supply is controlled by the state ban/ of 7a/istan 6@ Ri&a5r' Ri&a5r' a$on# a$on# the e-istin# e-istin# .o$petit .o$petitors ors =hi#h> =hi#h>

-hen it comes to the ban/ing sector in the country 1e could include in 1hole lot of public as 1ell as private ban/s along 1ith >B@s and micro finance institutes 1idely spread in the country country.. 2he ban/ing ban/ing sector of the country has # ban/ing institution institution 1hich include public sector Islamic ban/s foreign ban/s development financial insti tution speciali3ed ban/s and micro finance institutions. 45


7@ Bar#ai Bar#ainin nin# # po4er po4er of supp5 supp5ier ierss =$e/iu =$e/iu$> $>

2he supplier of ban/s is people from 1hom the ban/ raises funds. 4o the ma0or source funds come from their customer (depositor! 1ho becomes the supplier in this case :@ Bar#ainin Bar#ainin# # po4er po4er of the the .ust .usto$er o$er =$e/iu$> =$e/iu$>

2he customers and the depositors have a high bargaining po1er in the mar/et. Any ban/ giving the higher rate of interest 1ould attract a large number of customers. Because there are number of ban/s operating in the mar/et 1hich offer similar service. 9@ Thr Threa eatt fro$ fro$ sub substi stitut tutes es =hi# =hi#h> h>

2here are number of substitutes in retail fiancQ industry such as money lender >BDs micro financ financee and also the insura insurance nce compan companies. ies. Ban/s are seeing seeing the competi competitio tion n rise form unconventional companies. Mar/ets li/e 7a/istan customer have high propensity to1ards s1itching to other substitutes Su$$ar'?

B67 has certain 1ea/nesses and strengths. 2he e9ternal environment has a great influence on the the perfo perform rman ance ce of the the ban/ ban/.. 2he 2he regul regulat atio ions ns are are very very high high the the envi enviro ronm nmen entt is very very competitive.

Re.o$$en/ations 

In the the ligh lightt of the the Gno1 Gno1le ledg dgee obta obtain ined ed duri during ng inte intern rnsh ship ip and and stud study ying ing the the



organi3ation the follo1ing recommendations may prove to be successful to the ban/. In order to capture a considerable share in the ban/ing sector of the country the prime ob0ective ob0ective should be a1areness in the general public. or this it should should launch a 1ell; planned advertising campaign in the general public.

46




7hysical facilities in a ban/ also play their role in enhancing its grade and sound image. 2he ban/ should /eep these facilities li/e furniture par/ing facilities for the



customer. 4alaries of the officers must be compatible to other private ban/s so that the B67 can



attract professionals intelligent persons. 2he Ban/ of 7un0ab should minimi3e its e9penses. 4pecial a1ards should be given to the hard1or/ing employees 1ho performed e9tra;



ordinary in the ban/. 2he ban/ should come up 1ith ne1 and innovative products. It 1ould be advisable to



ma/e these products 1hile /eeping in mind the gap bet1een 1hat people 1ant and



1hat their ban/s are providing them. 2he Ban/ of 7un0ab should concentrate more on advances than on investments 2he ban/ should come up 1ith such products or services in 1hich the customers



1ould not have to come to the ban/ at any an y stage i.e. 2elephone 2elephone Ban/ing etc. 2he Ban/ of 7un0ab should use the latest technology because the ban/ 1hich can



provide speedy speed y accurate and standard s tandard services s ervices in the delivery of products loans etc.



to the customers 1ill be successful e.g. computeri3ation fa9 installation. 2he authority should be delegated to the manage level. MI4 should improved by connecting all regional offices and branches to the head



office through a net1or/ for timely delivery of information. Management of Ban/ of 7un0ab should try to avoid the political influences and should



give loans on merit. 2he ban/ should ma/e a plan to gear up its recovery function on 1ar fooling and



recogni3e the recovery function. 2he 2he Ban/ Ban/ of 7un0 7un0ab ab shou should ld give give some some e9tra e9tra cred credit it to conc concern ern to prof profes essio siona nall



qualifications such as BBA MBA (I2!:s M.B.A:s @.A:s [email protected]:s at the time of 

recruitment and selection. Intervie1 should be conducted 1hile recruiting personnel to consider the personality



characters communications s/ills and sociability. 2he ban/ should adopt a policy to accommodate and facilitate the research scholars 1ho 1ant to study the ban/ing affairs. 2he universities and other institutions can help



to launch the studies regarding ban/ing business. All possible efforts should be made to protect the ban/ from the interruption of 7rovincial government.

47




2here should be an association of employee to convey the voice of the employees to



the administration. 7art 7artici icipa pati tive ve mana managem gement ent conc concep eptt shou should ld be adop adopte ted d 1her 1heree ideas ideas from from the the employees should also be ta/e not only for developing products but also service



efficiency employee employee morale etc. in order to improve them. Ban/ of 7un0ab is a very 1ell established ban/ but the number of air conditioners they have in the 1hole ban/ is very less. Ban/ should increase the number of its 4plit



units because summer stays longer in *ahore. 2he number of a9 machines and photocopying machine in he ban/ are also less than they are needed. or photocopying one has to go do1nstairs. 46 there should be more



machines and also their placement should be at the right place. B67 should introduce more training programs for their employees. It 1ill help less educated and less e9perienced staff to gro1 and be a valuable part of the ban/.

(on.5usions

I thoroughly thoroughly chec/ed the performance performance of the B67 and I reali3ed reali3ed that it is becoming becoming one the most most gro1in gro1ing g ban/ ban/ in our country country.. 2he 2he financi financial al report reportss are very encourag encouraging ing and the shareholders are very happy about it. Also there are some fla1s in their operations 1hich they the y need to overcome if they 1ant to reach at top. @ontinuous efforts should be made to increase the quality of the products and services of the ban/. Internship is an interesting e9perience 1hich gave me the practical /no1ledge about ban/ing field. I observe ban/ing activities very closely and become part of it. I learnt a lot from my supervisor and understood the operations of ban/ing. 2his internship enhances my e9perience and s/ills. Abbre&iations

B67 (Ban/ of 7un0ab! B6M (branch 6perational Manager!

48


Referen.es?

Mr5asim Annual report B67$ )'%' 111.scribd.com 111.pba.com.p/ 111.brecorder.com.p/ conomic 111.brecorder.com.p/ conomic revie1 of 7a/istan: http$en.1i/ipedia.org1i/iBan/SofSpun0ab 111.bop.comprductsC= 111.bop.comproducts"#(https$111 111. bop.comproducts"#(https$111.bop.com. .bop.com.p/inde9.php p/inde9.php https$111.bop.com.p/inancialAnnualAccounts.asp9 111.sbp.com.p/ 111.bop.com.p/ http$111.antiessays.comfree;essays
49

The Bank of Punjab Internship Report

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