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Internee’s Name Muzamil Kousar

Internee’s ID 06010611-011

Session B.S (HONS) 7th Semester

Department Psychology

Area of Internship Organizational Psychology

Organization’s Name The Bank Of Punjab

(Railway Road, Branch, Gujrat)

Internship’s Duration 22 July, 2009 – 19 September, 2009

Duration 8 Weeks

Supervisor’s Name Miss Aliyha Basharat Ghumman



& all those who have a soft corner
for me in their hearts


I am very grateful to Allah; Allah is my fountain of Life and My Savior. Allah keeps me going
day and night. Without Allah, I am no one. But with Allah, I can do everything. Allah is the most
compassionate and the most beneficent and to The Holly Prophet (S.AW.), The most perfect and
exalted one among and of ever born on the surface of earth, who is forever torch of guidance and
knowledge for humanity and who preached the Muslims “seek knowledge from cradle to grave”.
Allah is my strength and honored me for joining such a profession, which lead to the service of
depressed mankind. I am grateful to almighty Allah who made me able to complete the work
presented in this report. It is due to Allah unending mercy that this work moved towards success.
I am very thankful to my ever caring and loving parents whose prayers have floated me in the
deep seas of troubles and give me financial support. All of my successes are due to my family,
friends and honorable teachers especially Sir Tanveer Ahmad Naveed & Miss Samia Khnum.

I feel great pleasure and honor to express my gratitude and appreciation to my supervisors Miss
Aliyha Basharat Ghumman. I owe a debt of immense gratitude to her for her cooperation and
valuable suggestions during the span of my internship.

I am especially thankful to the bank staff and particularly.

Mr. Amjad Farooq Manager

Mr. Mohammad Sajid Manager Operations
Mr. Imtiaz Cheema Banking Officer
Mr. Iftehar Banking Officer
Mr. Mohammad Shafiq Relationship Officer
Mr. Mohammad Nadeem Butt Cash Officer

Content Table

Serial Topics Page No


1 Introduction 1
2 Introduction of the Organization 2
2.1 • Source Of Bank Of Punjab 2-3
2.2 • Finance Products 3
3 • Main Offices 4
4 5
Structure of the Bank’s Branch Internee’s
5 6
Plan of Internship
5.1 • Account opening 6
5.2 • Clearing Term deposit 6
5.3 • Bills and remittances 6
5.4 • Cash department 6
6 7
Training Program
6.1 1) First Week 7
6.2 2) Second Week 8
6.3 3) Third Week 9
6.4 4) Fourth Week 10
6.5 5) Fifth Week 11
6.6 6) Sixth Week 12-13
6.7 7) Seventh Week 14
6.8 8) Eighth Week 15
7 16
Brief Summary
8 17
Challenges During Internship
9 18
Skills Used During Internship
10 19
Skills Gained During the Internship
11 20
SWOT Analysis
11.1 • STRENGTH 20
11.2 • WEAKNESSES 20-21
11.4 • THREATS 21
12 22
13 23
14 24
14.1 25
Appendix - A
14.1.1 25
14.1.2 26
14.1.3 27
14.1.4 28
14.1.5 29
14.1.6 30
14.1.7 31
14.1.8 32
14.2 I
Appendix - B
14.2.1 II
Organizational Structure
14.2.2 III
Request Letter Issued By University of
14.2.3 IV
Permission Letter For Internship Issued
by Organization
14.2.4 V
Completion Letter of Internship by
14.2.5 VI
Fill Evaluation Form of Internship
Through Organization

Organizational psychology is focused on group-type settings, most commonly offices and
workplace psychology. This section of psychology takes theories, research, and intervention and
communication strategies and applies them to groups in both work and non-work settings. People
in this field focus on helping people understand their interactions with one another so that
everyone can work together to accomplish important tasks. As internee I have done my
internship in an organization (Bank of Punjab). In which I have learn that an internship is an
agreement between internee and a company or organization for a fixed period of time, such as a
semester. Internee agrees to work for them and they agree to mentor and teach internee. Here are

some goals of internship for that peruse an internee do internship in any organization which can
guide the internship program;
1. An internship provides meaningful work experience, which supplements and modifies
ideas gained from academic courses.
2. An internship enhances the student's subsequent academic work.
3. An internship offers the student an opportunity to assess his/her abilities and interests in
Marketing, thus assisting the student intern in choosing a specific career.
4. An internship provides an inside exposure to the structure, operations, and decision
processes within an organization without a commitment to a permanent employer.
5. An internship places the student in a favorable position for permanent employment.
6. An internship will develop skills in the application of theory to practical work situations.
7. An internship will provide students the opportunity to develop attitudes conducive to
effective interpersonal relationships.

Introduction of the Organization

The Bank of Punjab was established in 1989 under The Bank of Punjab act 1989. The first
Branch which opened was the Main Branch Lahore. In 1989 Bank of Punjab (BOP) was mended
as a non – scheduled bank on in the province of Punjab. In beginning the main deposits were the
government. Because it was opened to support the government of Punjab. In 1994 the Bank of
Punjab (BOP) was converted into a scheduled Bank it opened its Branches in all over the

Source Of Bank Of Punjab

The bank of Punjab release funds for the purpose of its business from the following sources.

1. Capital
2. Reserves
3. Liquid Assets
4. International Bank
5. Enter Bank
6. Demand Drafts

1. Capital
The main source of fund realization of the Bank of Punjab (BOP) is its own capital. The bank
uses its capital for the purpose of investment, lending and other activities to earn profit.

2. Reserve Fund

It is the rule of the Bank of Punjab (BOP) that when they earn profit. It does divided whole the
trading profit some portion of such profit which are undivided profit are keep as reserve by bank.

3. Liquid Assets
The bank required to maintain liquid assets as instruction by State Bank of Pakistan percentage.
So this amount also use as funds.

4. International Banks
The bank of Punjab also borrows money or realizes funds from international banks to meet their

5. Enter Bank
The Bank of Punjab also deal or release funds from other banks like.

• Habib Bank Ltd.

• Muslim Commercial Bank Ltd.

1. Demand Drafts
Bank of Punjab (BOP) provides safe, speedy and reliable way to transfer money at vary
reasonable rates. Any person whether an account holder of the bank or not, can purchase a
Demand Draft from a bank branch.

Finance Products
1. Agriculture Schemes

2. Business Promotion Finance Schemes

1) Agriculture Schemes

There are many agriculture promotion schemes provided by BOP.

➢ Kissan Dost Agricultural Finance Scheme
➢ Kissan Dost Tractor Finance scheme
➢ Kissan Dost Aabiari Scheme
➢ Kissan Dost Mechanization Support Scheme
➢ Kissan Dost Farm Transport Scheme
➢ Kissan Dost Eslah-E-Arazi Scheme
➢ Kissan Dost Live Stock Development Scheme
➢ Kissan Dost Live Stock Scheme
Such type of schemes provides farmers a real plate form to accelerate.

1) Business Promotion Finance Schemes

➢ BOP Quick Cash
➢ BOP Car Loan
➢ BOP House Loan
➢ BOP SME Loan
➢ BOP Assaish Loan
➢ BOP House Loan For Federal Govt
The Bank of Punjab is working as a scheduled commercial bank with a network of almost 272
branches at all over major locations in the Punjab. The Bank provides all types of banking
services such as Deposits in Local Currency and client foreign currency, remittances, and
advances to business, trade, industry and agriculture. The Bank of Punjab has indeed entered a
new era of science to the nation under experience and professional hands of its management. The
Bank of Punjab plays a vital role in the national economy through mobilization of hitherto
untapped local resources, promoting savings and providing funds for investments. The bank
offers attractive rates of profit on all deposits, opening of foreign currency accounts and handling
of foreign exchange business for example imports, exports and remittances, financing, trade and
industry for working capital requirements and money market operations. The lending policy of
bank is not only cautious and constructive but also based on principles of prudent lending with
maximum emphasis on security.

Main Offices

Head Office and the main branch of Bank of Punjab (BOP) is in 10-B, Block E-II, Main
Boulevard, Gulberg III, Lahore. The Bank has been divided into seven regions. Each consisting a
number of branches.

➢ Lahore Region
➢ Faisalabad Region
➢ Gujranwala Region
➢ Rawalpindi Region
➢ Karachi/Quetta Region
➢ Multan Region
➢ Peshawar Region

Rests are the branches working under these regions. Which are almost 272 in all over Pakistan?

Structure of the Bank’s Branch Internee’s worked

Mr. Amjad Farooq


Mr. Mohammad Sajid

(Manager Operations)
Mr. Imtiaz Cheema
Banking Officer

Mr. Iftehar
Banking Officer
Mr. Mohammad Shafiq

Relationship Officer

Mr. Mohammad Nadeem

Butt Cash Officer
There are also two watchmen, one cook and one sweeper.

Plan of Internship
One of the most important aims of the student life is to express him/her correctly and adequately.
Determined, Confident and Persistent in the pursuit of knowledge and learning, Internee was on
way to Bank of Punjab (BOP) Railway Road, Branch, Gujrat. (0107) early in the morning of
July 22, 2009. Normally internee wanted rest and recreation after the tiring exams in July but this
time internee was anxiously waiting for the start of internship. There are following learning
points for internee in Bank of Punjab (BOP).
• Account opening
• Clearing Term deposit
• Bills and remittances
• Cash department
Internee has completed own Eight weeks practical training till September 19, 2009.

Training Program
First week
In first week internee introduce about herself and her institute. Internee started own internship
from "General Banking" in the first week. Mr. Sajid teach internee very nicely. The General
banking is basically divided into the following sub departments, which are already, define above
in planning internship:
• Account opening
• Clearing Term deposit
• Bills and remittances
• Cash department
The first day of exposure to the practical field was at the (sub department) Account
Although the procedure of opening an account in a bank is a quite complicated job but internee
going to tell about only the basic necessities for opening the account, which are as
• Introduction
• National Identity Card
• Personal data
• Details of dealing with other banks.
These are some of the basic requirements for opening the account. Then the banker
inquires about the option of opening a joint account or individual. If the customer wants to open
joint account then either it is "either or survivor" (i.e. only one persons signature is sufficient) or
jointly (i.e. both should sign the cheque).
End Note
In first week internee was observing the officer that how she perform and manage her duty in
Account Opening Department. Now internee knows about different accounts names and their
codes. How to open the account?

See table #1 in appendix A page # 25

Second Week
In second week during internship in Bank of the Punjab, internee’s supervisee assigned internee
work in Account Opening Department because internee has fully learned about this job in
previous week. Internee came to know about the details of the account opened by the banks,
which internee has explained in previous portion of "Departments". Now let internee tell about
the further related detail of account opening. First of all a customer come and gets the
information regarding the opening of account. After getting the proper information he/she gets an
introducer and goes for opening an account of any kind whatever he/she wants.
• She/he fills the form regarding the opening of account which is in fact a request.
• Specimen Signature (S.S) card is filled which contains the signature that will be used in
future in order to identify that you are the same particular person who perfectly eligible
for receiving the benefits.
• The Specimen Signature (S.S) card and the application form are verified and the
verification stamp is imposed on it.
• After verification the application forms are pasted in the file with the serial no which is
actually the account no. Allocated to the respective customers.
• The cheque book is issued to the customer after three days.
• The procedure for opening the account comes to an end after sending the letter of thanks.
End Note
So during this week internee open individual accounts, saving account and joint accounts and
deal with customers very nicely. Internee convinces them and gives information about Account
Opening that customers should open their accounts in Bank of Punjab (BOP) by using internee’s
communication skills. Internee is fully trained in this job how to open the above accounts and
how a deal with customers.
See table #2 in appendix A page # 26

Third Week

In third week internee is transfer to issues the cheque book. In this task officer tells internee that
once the account is opened, Bank of Punjab (BOP) issues the cheque books to the customer so
that they could withdraw their money whenever they like.
The producer of issuance of the cheque book is as follows:
• For the customer who already has an account with the bank, the lastly consumed cheque
book requisition slip with the help of which a new cheque book is issued.
• For the person who is going to open a new account for the first time gets the cheque book
free without any requisition slip.
• For the new depositors the cheque book is not issued at the time of opening of account,
rather it is issued after three days.
End Note
During this week internee performed the duty on Issuance of the Cheque Book. Now internee
fully trained in this particular job and knows about that which type of Cheque Book will be
See table # 3 in appendix A page # 27

Fourth Week
In this week of internee’s internship internee was shifted to the Clearing section.
Clearing is an "Inter-city clearing" i.e. the cheques of Gujrat city from different banks like
National Bank of Pakistan, Muslim Commercial Bank are deposited here. The deposited cheque
is received carefully by checking the title of cheque, date, amount, and signature on the
cheque. All the cheques go to the State Bank of Pakistan (SBP). Everyday National Institutional
Facilitation Technologies (NIFT) receives all cheques and arranges them.
By establishment of National Institutional Facilitation Technologies (NIFT) a lot of time, cost
and labor are saved. The cheques are stamped carefully. Two stamps are required on the cheques
• Clearing stamp

• Payee's account will be credited
If any stamp is missed or unclear; State Bank of Pakistan (SBP) returns the cheque with a reason.
When the cheques are deposited they enter all the cheques on the computer with account number
and these figures go to State Bank of Pakistan (SBP).
End Note
In this week internee performed a job relating to the cheques. Which type of cheque will be cash
and which one is relating to other branch in a city? Now internee is fully trained in this job.
See table #4 in appendix A page # 28

Fifth Week
In the fifth week of internship internee was transferred to the Bills for Collection. Internee’s
supervisee told about that there are two types of cheques are deposited here;
• Outstation cheques
• BOP other branch cheques (local)
Outstation cheques mean different cities cheques are deposited and local means Bank of
Punjab (BOP) other Branches are deposited. All cheques account numbers on the computer and
these figures go to SBP. The cheques are cleared in 5-6 days. Because “National Institutional
Facilitation Technologies (NIFT)" receives and delivers to State Bank of Pakistan (SBP) where
these cheques are cleared in 3 days and deliver to the banks. If the cheques are returned due to
some reasons, a returned memo is filled and entries are recorded on the register. Internee’s main
focus on filling the returned memo and entries are recorded on the register.
End Note
In this week internee repeatedly performed this job but in Bills for Collections and now internee
is fully trained in this job.
See table #5 in appendix A page # 29

Sixth Week
In the sixth week of internship internee was transferred to the "Remittances department". Mr.
Sajid tells internee about the issuance, procedure and the entries of the demand drafts

It is an instrument payable on demand for which value has been received, issued by the branch of
the bank drawn. Demand draft is payable at some other branches of the same bank. Demand draft
is very useful because there is no chance of fraud. The person deposit cash and get demand
draft. It is used for outstation payment.

Issuance Of Demand Draft

On the application form following particulars are given:

• Name of beneficiary
• Amount
• Mode of payment
• The place where Demand Draft is drawn
• Signature
• Name and address of the beneficiary

Request shall be made on standard application form. The customer writes his/her name,
address, National Identity Card number, and phone number on the backside of the
application form. Commission is charged as per schedule of charges. The issuance of Demand
Draft is computerized and the amount is automatically protectively graphed drawing printing for
the avoidance of forgery. The withholding tax and excise duty is deducted as per schedule.
When the customer deposits cash in the cash department, he/she got voucher from the cash
department and gave it to the person who makes the Demand Draft.

Payment of Demand Draft

When a person brings Demand Draft (which have been drawn on you), banker will check it from
the bank’s Demand Draft payable record and ask the customer to sign twice at the back of the

Demand Draft so that it could be confirmed that he/she is the eligible person for receiving the
benefit, along with this banker obtain the National Identity Card of that person verify it and then
make the payment. After making the payment entry is made in the register that this Demand
Draft has been paid.

Cancellation of Demand Draft

Following procedure is followed for the cancellation of the Demand Draft;

• Obtain the application in writing for the cancellation of Demand Draft along with
the original Demand Draft.
• Verify the signature of the applicant, which should tally, with the signature on the
application form (for opening the Demand Draft).
• Mark caution on Demand Draft issued register or on computerized entry.
• Make the payment from suspense account.
• Inform the Drawer bank regarding the cancellation. Inter Branch Credit Advice is the
advice regarding the payment (refund) of the amount which Drawer bank have sent
to them (which was deposited by the customer against the demand draft).

End Note
In this week internee learn a new task i.e. to make the Demand Draft. In which internee is
eligible to issuance of Demand Draft and registered the payment entry about the Demand Draft
that payment has been paid.
See table #6 in appendix A page # 30

Seventh Week
In the seventh week of internship internee was performed the same "Remittances department"
but the second type of Remittances Department that issuance, procedure and the entries of the
Pay Order.

Pay order issued from one branch can only be payable from the same branch. Pay order is used
for same city payment. If Bank of Punjab (BOP) (Main Branch) issued pay order it is only
payable for Main Branch of Bank of Punjab (BOP) .


• Applicant fill the application

• After paying charges he/she gets voucher and pay order is issued
• All pay orders shall be crossed "payee's A/c only”.


• The applicant give application for cancellation

• Charges are recovered from the applicant.

There are no charges for Pay order while other banks charge for this service so it is an advantage
going to Bank of Punjab (BOP) to attract customers.
End Note
In this week internee repeatedly perform the jobs and internee work on such type of operations
i.e to make the Pay order and mark the Charges if Customer is not account holder of the Bank
then 255 Rs commission of the Bank.
See table #7 in appendix A page # 31
After this week all internees were on leave due to construction in the branch of Bank of Punjab
because Railway Road Branch of Bank of Punjab was recently shifted from Sargoda Road
Branch toward Railway Road Branch

Eighth Week
In the eight week internee again join the bank and internee was shifted to the Term Deposits
Receipts (TDR) department. It was again a good experience to work with the officer here. Mr.
Iftehar trained internee in this task.

First of all he told internee about the basics of the Term Deposits Receipts (TDR). Deposit is
lifeblood of a commercial bank. The main function of a commercial bank is to analyze the
saving from the savers to the ultimate users of the funds. This process of collecting saving
is called "deposit mobilization". Deposits are of two types one is the;

• Demand deposit
• Time deposit.

As the name signifies the demand deposit is payable on demand so no interest or benefit is given
on such deposits but the time deposit is a kind of deposit, which gives you a benefit in terms of
cash. Most of the people who have surplus money with them especially the landlords deposit
their money in such accounts.

Term deposits are payable on demand with certain maturity. Different percentages of profit are
given in the time deposit. These are called fixed deposit because they are fixed and no
transaction is allowed till maturity. In fix deposit a person can open an Account of the same title
only than Account number will be changed. While in other accounts the Account can't be opened
under the same title even in other branch of the same Bank. The record of the Term Deposits
Receipts (TDR) is although fed in the computer but there is also a hard copy of the record. The
verified Term Deposits Receipts (TDR) forms are pasted with serial number of receipt
given to the customer (the receipt of the form regarding the deposit of the amount). The
Account opening forms are attached or pasted in the file according to the date and certificates of
Term Deposits Receipts (TDR) have been issued to the concerned person whose name Term
Deposits Receipts (TDR) is created. The date may be of any month and any year i.e. if there is a
card of the 8th then on this card you will find the only 8th date of any month and any year in
which the card was issued.
End Note
In the last week of internship internee is learned about Term Deposits Receipts. Although it was
a last week of internee’s internship so internee say thanks to all colleagues that they were very
cooperated with the internee.
See table #8 in appendix A page # 32

Brief Summary
Internee has done her internship in the Bank of Punjab Railway Road, Branch, Gujrat. (0107).
Internee has worked there for eight weeks “Internship Training” in the Bank of Punjab in order
to perceive the true art and the practical picture of the human resources management and to go
through the process by which the organization is making very good out its limited resources..

During the span of internship internee has done work on basic general banking under supervisee
Mr Sajid. He teaches internee very nicely. Internee has start from Account Opening its procedure
and practical also after that internee’s supervisee told about how to issue a cheque book after
opening an Account and also for those customers who have already an Account in the Bank of
Punjab. The procedure begins with the punching of account opening form to the customer file i.e.
customer’s master file. Before closing any account, bank send letter to the account hold for
informing him/her that his/her account is going to be closed. There is need an approval from
higher authority to close any account. Current deposits are those which are payable to bank
whenever demanded by the customer. Bank does not pay any profit on current deposits.

In remittance department like any other Bank of Punjab also have instruments for transferring of
money, Telegraphic Transfer, Mail Transfer. In cash department both deposits and withdrawals
go side by side. Paying-in-slip, Cheque Book. The clearing in Gujrat at Bank of Punjab or other
banks is being done through NIFT (National Institute of Facilitation Technology).
Bank of Punjab views specialization and service excellence as the cornerstone of its strategy.
The people at Bank realize that innovation, creativity, reliability, customized services and their
execution are the key ingredients for their future growth. During this practical course internee
has provided with an opportunity to learn that how the theoretical knowledge can be
implemented in practical grounds.

Challenges During Internship

Following are the challenges that I faced during my internship.

➢ Practical vs. Bookish knowledge

Studies teach students theoretical aspects of practical field that is why students face
difficulties in the real situation in adjusting in the practical environment of the
organization. So being a student I encountered different sorts of problems that was challenging
for me. I did not find much application of my knowledge in the bank.

➢ Lack of Banking Knowledge

Although we have had a course of money and banking in an immediate prior semester to my
internship, still I found it of very minor help in the bank. If we were given a
comprehensive and practical know how in the course, it would have been an
implementation of that knowledge in the real organization instead of learning everything from
the scratch.

➢ Adjusting With the Employees

In an organization I came across many people who were opposite to my personality and often
found them offensive and uncomfortable because of their attitude but I had to work and co-
ordinate with them which were very challenging for me.

➢ Responding To Work Load

As it was my first experience in the work environment, it took me some time to settle in the bank
setting. Learning new work especially in the beginning while at the same time responding to the
seniors who assigned me the tasks to be completed in short time; was a great challenge for me.
Even under such stress and strain marinating a positive attitude towards everyone was a line of
challenge for me. But with the passage of time being student of psychology I have fully
command in these challenges.

Skills Used During Internship

The following are the skills that I got a chance to practice in the practical environment.

➢ Interpersonal Skills
This is most common and one of the most important skills during my internship period. This skill
helps a person to interact with others in much better and pleasant manner. It is an art to present
one’s views, thoughts, and ideas before its listeners. During my internship period it helped
me to build good rapport with the other employees who guided me in the best possible manner.
My interaction and dealings with the customers helped me to broaden my social network.

➢ Communication Skills

Communication means exchange of messages between people for the purpose of achieving
common meanings. It is an art to make information flow smoother. Today it is very necessary to

communicate well especially in organizational sector and especially for those who are seeking
information. My communication skills gave me self confidence while interacting with
everyone else.

➢ Conceptual Skills

I used my conceptual skills to gain an insight into the working of the bank: how the work is
done? What are the problems? Their relative contribution to the economy as a whole.

➢ Stress Management Skills

As this internship was my first experience in a practical environment so I faced a lot of mental
strain in terms of adapting to the new work environment, practical learning, cope with the
challenges faced etc. using my stress management skills I was able to list priorities and
work accordingly.

Skills Gained During the Internship Period

I have gained and observe a lot from my internship. This helps me a lot to observe being a
student of Psychology. The following skills I gained during my internship session;

➢ Time Management Skills

During my internship period I have learnt punctuality and the significance of time in an
organization. I have realized that time management is an important element of work. My
practical learning has taught me to prioritize and organize my work according to schedule that
enabled me to complete my tasks in the allotted time.

➢ Human Skills

I learnt the human skills in BOP in true manner. Human skills associated with an employee’s
ability to work well with others both as a member of a group as well as individual leader who
gets things done through others.

➢ Self Control

Our ability to exercise control over our own behavior by setting standards and providing
consequences for our own actions refers to self control. As an internee this skill is really
important because an internee does not have much of authority.

➢ Co-Ordination

Co-ordination means the smooth flow of work that must be carried on consistently and
systematically without any breakage. In a corporate environment like banking there is need for
integration making co-ordination an essential environment. As an internee it is necessary to co-
ordinate well with supervisors and co-workers.

➢ Better Communication Skills

During my BS (Hons) I have attended courses on communication in different semesters and

was taught how to communicate effectively with others. This was my first hand experience of
communicating with the manager, junior officers and others and to socialize myself
among those professionals. This experience augmented my communication skills and gave
me the confidence of communicating with professional people

Strength, Weakness’, Opportunity and Threats (SWOT)

“Strength, Weakness, Opportunity and Threats (SWOT) analysis is a situational which includes
strengths, weaknesses, opportunities and threats that affect organizational performance.”“The
overall evaluation of a company strengths, weaknesses, opportunities and threats is called
Strength, Weakness, Opportunity and Threats (SWOT) analysis.” In Strength, Weakness’,
Opportunity and Threats (SWOT) analysis the best strategies accomplish an organization’s
mission by:

1. Exploiting an organizations opportunities and strength.

2. Neutralizing it threats.
3. Avoiding or correcting its weakness.

Strength, Weakness, Opportunity and Threats (SWOT) analysis is one of the most important
steps in formulating strategy using the organization mission as a context; managers assess
internal strengths distinctive competencies and weakness and external opportunities and threats.

The goal is to then develop good strategies and exploit opportunities and strengths neutralize
threats and avoid weaknesses.

➢ The Bank officers of Bank of Punjab (BOP) are considered as one of the most able
professionals in the banking world. In my observation that they interact with their clients
as if they are their personal friends and discuss about their problems as their own.
➢ As a result of the compassionate and personalized services of the officers, the clients’
perception for Bank of Punjab (BOP) is very high. They have trust and feel themselves to
be secure while dealing with Bank of Punjab (BOP).
➢ Bank of Punjab (BOP) has opened all its branches at commercial areas so that the
customers or clients face no problems in reaching to the bank.
➢ Bank of Punjab (BOP) has got a reliable and easy to use internal computer system. Every
information regarding the transactions in customers’ deposits has been computerized.
Data are properly maintained.
➢ Good security system

➢ Lack of proper internal controls is one of the major weaknesses of Bank of Punjab
(BOP). It is also pointed by the auditor in his review.
➢ Bank of Punjab (BOP) has formulized a lot of products and services for its customers,
even more than other commercial banks, but any advertisement on electronic media has
not been seen.
➢ I observed during my internship that some of the employees were burdened with over
work. So I think that the work should be distributed according to their post and
➢ Biased selection of employees.


➢ Satisfy dynamic consumer needs, Bank of Punjab (BOP) has made a lot of products have
been introduced especially in Retail Banking (Agriculture side) and people are
increasingly becoming loyal to the bank and because of feasible transactions.
➢ All the opportunities of the 21st century are to be availed in the information technology.
Information technology is the future of this dynamic world. Therefore Bank of Punjab
(BOP) should emphasize much on Information Technology, especially on Electronic-
Banking. Bank can design a universal account like other foreign banks, to enhance online
➢ Bank of Punjab (BOP) has introduced a number of financial schemes including special
‘Deposit Accounts’. These accounts have their unique features. Therefore, with the
commencement of new schemes there can even be a greater increase in its deposits


➢ Despite the difficult circumstances that confronted the banking sector in particular and
the country in general, Bank of Punjab (BOP) has been still highly profitable. But, the
facts can’t be denied and there might be an adverse impact of such situation.
➢ Bank of Punjab (BOP) is facing a strong competition by its competitors, Business of all
these Banks are growing at very high pace.

During internee’s internship at the Bank of Punjab (BOP)
Internee finds out weak areas that require improvements for long-term benefit of the
organization. Which are directly affected on efficiency and performance of the bank? There
problems are also called as an internal problems. So these are discussing below:
➢ Lack Of Communication Among The Employees
During the period internship internee found this problem as a biggest problem that, they are not
very effective in communication between themselves. They do not share the experience with
each other and do not care the other employee. If one employee has a problem, then he asked to
other, but he does not give clear solution to that problems. They are shows the facial expressions
against each other but not directly. They are talk against each other in front of me. So finally it is
very needy for a public services organization to keep atmosphere friendly among the
management and employees.
➢ Performance Appraisal
During Internship I felt that there is no or very less appraisal of any ones cool performance. The
manager should strictly monitor the performance of every staff member. All of them should be
awarded according to their performance and result in the shape of bonuses to motivated and
incite them to work more efficiently.

➢ Misuse Of Resources
Resource are very needy, so there must be avoid to misuse the resources but in this branch it is
reverse case, there is very wrong use of the resources, employees does not take care of resources
and not used them in right direction. For example every person misuse telephone service even
guards they use it for personal matters.
➢ Complaints of Customer
There is no complaint box available in the branch and not any person appointed to hear the
complaints. Every person cannot go to the manager for the complaint because most of the people
are hesitant.

Following some suggestion to the organization which make the organization well known and
leads towards progress;
 Staff colleges should be reorganized and their syllabus should be made in such a way
which can help the employee understand the ever-changing global economic scenario.
 Employees of the bank should be given a task and authority and they should be asked for
their responsibility. The sense responsibility in employees mind is one of the most
important factors in the success of any organization.
 The manager should strictly monitor the performance of every staff member. All of them
should be awarded according to their performance and result in the shape of bonuses to
motivated and incite them to work more efficiently.
 There should not be any abrupt policies change by the upper management, as this practice
hurts the customer confidences in the bank. Government should make long-term policies.
 There should be an information desk to provide the information and to receive the
complaints of the customer in the bank. So I have suggested to management to install a
compliant box in the branch, and recruit a special person for that guidance of the
customer when they are unable to manage some difficulties in banking matters.


Appendix A

Week # 1 (22 July, 2009 – 24 July, 2009)

Table # 1

S. # Date Day Timing Tasks

Introduction own self and
1 22-07-2009 Wednesday 9:00am -1:00pm organization & exchange
the Letters
Introduce the General
2 23-07-2009 Thursday 9:00am-4:00pm banking & procedure of
account opening

Types of account opening

(joint account or
3 24-07-2009 Friday 9:00am-2:00pm individual) and operate
with the help of supervisor
(Operational Manger)

Week # 2 (27 July, 2009 – 31 July, 2009)

Table # 2
S. # Date Day Timing Tasks
Customer Dealing to
attract them through
1 27-07-2009 Monday 9:00am -4:00pm providing the information
related to the bank and
Filling the forms for
2 28-07-2009 Tuesday 9:00am-4:00pm opening the accounts
(Individual Account)
Same job do this
3 29-07-2009 Wednesday 9:00am-4:00pm day(Filling the forms
Individual Account)

4 Filling the forms for

30-07-2009 Thursday 9:00am -4:00pm opening the accounts (Joint

5 Same job do this

day(Filling the forms Joint
31-07-2009 Friday 9:00am-1:00pm Account) & type the letters
to sending to the customers
with thanks

Week # 3 (03 August, 2009 – 07 August, 2009)

Table # 3
S. # Date Day Timing Tasks
Introduction about cheque
1 03-08-2009 Monday 9:00am -4:00pm book why it should be issue

Basic procedure to issuance

2 04-08-2009 Tuesday 9:00am-4:00pm the cheque book
Issue the cheque book those
3 05-08-2009 Wednesday 9:00am-4:00pm customers who are already
having account in the BOP

4 Same above task do on this

day + issuance the cheque
06-08-2009 Thursday 9:00am -4:00pm book those who are new
account holder

5 Repeat same above both

07-08-2009 Friday 9:00am-1:00pm tasks

Week # 4 (10 August, 2009 – 14 August, 2009)

Table # 4
S. # Date Day Timing Tasks
Introduction about
Clearing section "Inter-
1 10-08-2009 Monday 9:00am -4:00pm city clearing" & its

2 11-08-2009 Tuesday 9:00am-4:00pm Repeat previous task

Deposit the cheques

carefully and separate them
3 12-08-2009 Wednesday 9:00am-4:00pm to bank wise for sending
towards NIFT company

4 Same above task do on this

13-08-2009 Thursday 9:00am -4:00pm day

5 14-08-2009 Friday ------- Independence Day

Week # 5 (17 August, 2009 – 21 August, 2009)

Table # 5

S. # Date Day Timing Tasks

Introduce new task Bills for
1 17-08-2009 Monday 9:00am -4:00pm Collection & its types

Repeat previous task told

2 18-08-2009 Tuesday 9:00am-4:00pm about its procedure +
observe the supervisor
Deposit the local cheques
3 19-08-2009 Wednesday 9:00am-4:00pm carefully and fill the
deposit slips

4 Deposit the outstation

20-08-2009 Thursday 9:00am -4:00pm cheques and fill the deposit

5 Focus on register work

21-08-2009 Friday 9:00am -1:00pm which are related to
returned memos

Week # 6 (24 August, 2009 – 28 August, 2009)

Table # 6

S. # Date Day Timing Tasks

Introduce new task
Remittances Department,
1 24-08-2009 Monday 9:00am -4:00pm procedure and how it will
be issued
Repeat previous task +
supervisor told about the
2 25-08-2009 Tuesday 9:00am-4:00pm procedure of entering the
demand drafts & observe
the work
Dealing customers & told
them procedure about Fill
3 26-08-2009 Wednesday 9:00am-4:00pm the form for issuing the
demand draft
Repeat previous task fill
4 the forms + Payment of
Demand Draft after
27-08-2009 Thursday 9:00am -4:00pm checking that it will be paid
or not and take signature
of the customers
5 Same task done on this day
+ work on register entering
28-08-2009 Friday 9:00am -1:00pm the payment and
computerized work by my
supervisor of BOP

Week # 7 (31 August, 2009 – 04 September, 2009)

Table # 7

S. # Date Day Timing Tasks

Introduce new task
Remittances Department,
1 31-09-2009 Monday 9:00am -4:00pm but 2nd type that issuance,
procedure of the Pay Order
Repeat previous task +
supervisor told about the
2 01-09-2009 Tuesday 9:00am-4:00pm procedure of entering the
Pay Order & observe the
Fill the form for issuing the
3 02-09-2009 Wednesday 9:00am-4:00pm Pay Order
Repeat previous task fill
4 the forms + Payment of Pay
Order after checking that it
03-09-2009 Thursday 9:00am -4:00pm is related to will be paid or
not and take signature of
the customers
5 Same task done on this day
04-09-2009 Friday 9:00am -1:00pm + work on register entering
the payment of Pay order

6 (07-15)- 09-
On Leaves ----- -------

Week # 8 (16 September, 2009 – 19 September, 2009)

Table # 8

S. # Date Day Timing Tasks

Introduce new task Term
1 16-09-2009 Wednesday 9:00am -4:00pm Deposits Receipts
Department & its basics
Told about the types of
2 17-09-2009 Thursday 9:00am-4:00pm deposits of Term Deposits
At the end of week there is
3 18-09-2009 Friday 9:00am-1:00pm a refreshment program to
see off internee
On this day internee take
4 19-09-2009 Saturday 9:00am -11:00pm her completion letter from