Documenti di Didattica
Documenti di Professioni
Documenti di Cultura
INTERNSHIP REPORT
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DEDICATION
To our Loving Parents whose prayers make us able to complete this task.
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EXECUTIVE SUMMARY
We are living in a time of extraordinary change. The ecological and
economic threat is looming large on the entire sphere of Pakistanis
economy. Pakistani firms must design and make better products and
services and should find better ways to market them. What was once
regarded enough is no longer competitive. What were once limitless
resources are now to be used more efficiently. Today an organization is on
the leading edge, or it is on the bleeding edge.
I have learned the lessons perhaps the hardest way, that is, though my
mistakes. I have tried my best to peep into the generic as well as real
cumulative problems faced by the pioneer of banking industry in Pakistan but
that degree of objective analysis proved to be of little use since this bank is
firmly entrenched in the laws of red royal bureaucracy.
Several chapters have been inducted in the report but they seem to be
very conventional in nature giving supplementary justification to the fact that
BOP is the most conventional of the conventional bank.
This report is an upshot of my internship in BOP branch Wazirabad. BOP
posses an imperative and historical importance in the banking sector of
Pakistan. It always remains the center of hustles in business activities. It
always endows with great covenant of rally round in terms of funds and
services at all epochs of its dynamism.
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ACKNOWLEDGEMENT
All praises to Allah, the most Merciful, the most beneficent, the most
forgiving, the most generous, the controller of the hearts and gazes and allknowing of what that is open and what is hidden. I praise Him with the praise
that is eternal throughout the night and the day.
The path and teachings of the prophet Muhammad (Salal-a-ho Alai hi
wasalam) induced enthusiasm and blessed me positive thinking.
It is will of Allah that my honorable teachers have guided us to get training
about banking technicalities and complete our tasks.
Consequently I have taken upon my unworthy shoulders the responsibility of
preparing Internship Report.
I feel highly indebted and grateful and consider it my duty to pay my thanks
to:
ALLAH ALMIGHTY: for the guidance, strength and courage emanating from
Him, in accomplishment of this job.
TABLE OF CONTENTS
Dedication..................................................1
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CHAPTER#2
2.0 Introduction
2.1 Banking sector of Pakistan.
2.2 Role of BOP in Pakistan.
2.3 Functions of BOP.
2.3.1 CONSUMER PRODUCTS.
2.3.2 FINANCE PRODUCTS..
2.3.3 BOP CAR LOAN...............................
2.3.4 BOP Aasaish Loan
2.4 Organization in which once you are working..
2.5 Summary
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Chapter 3:
3.0 Introduction:.
3.1.1 Brief history of BOP:
3.1.2 Relationship of head office to the branch office.
3.1.3 Number of departments
4. REMITTANCE DEPARTMENT.
3.1.4 Regional offices and branches
3.2 Current staff..
3.2.3 Workload
3.2.4 Salary structure
3.2.5 Promotion system..
3.2.6 Incentives and motivation
3.2.7 Responsibilities and duties performed.
3.3 Critical analysis of branch.
3.3.1 Communication
3.3.2 Recruitment of the Staff
3.3.3 Morale of the employees.
3.3.4 Physical facilities..
3.4 Performance..
3.5 Summary
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Chapter#4
4.1 Introductions
4.2 Policies
4.3 Strategies..
4.4 Successes..
4.5 Summary
Chapter5
5.1 Introduction..
5.2 SWOT ANALYSIS.
5.3 Porter model
5.4 Summary..
CHAPTER # 1
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1.0 Introduction:
This chapter gives the information about the background of the study. This
tells us what the purpose behind this internship report is and why we are
undertaking internship followed by comprehensive report writing. The
scope of the study is also illustrated in this chapter. The relevant areas
discussed in this report are its scope. Apart from the main objective sub
objective are also elaborated in this chapter. Sub objectives may vary
person to person but the main objective remains the same. This chapter is
all about why and how we have done internship and why it is followed by
comprehensive report writing. In this chapter the methodology of the
report and the data collection techniques are also explained. Primary and
secondary data tools are discussed separately. At the end of the chapter the
introduction of the organization is also given in which the internship has
been undertaken/.this chapter is basically is an introduction of the study.
1.1 BACKGROUND OF THE STUDY:
The banking sector was the only one which was offering internship
program on lenient bases. I also grab this opportunity with both hands and
got my internship from a very well known organization BOP. The basic
inspiration behind selecting BOP is its goodwill and adaptability to
change. BOP also has a very charming outlook and wholesome physical
facilities which also urged me to be an internee of BOP.
1.2 PURPOSE:
The purpose of the study is to implement the knowledge of banking sector
which I learnt and to observe the working environment in the bank.
1.3 SCOPE:
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This study is confined to the banking operations and critical analysis of the
branch. An effort has been made to collect financial data and statistics of the
bank to analyze the performance of the bank and its operations.
1.4 OBJECTIVES:
In the context of the purpose of the study there are following objectives of the
study
To analyze banking operations.
To suggest recommendations.
To improve report writing skills.
To enhance interpersonal skills.
To evaluate the application of knowledge learnt.
1.5 METHEDOLOGY:
Both primary data and secondary data are used in the preparation of this
internship report. Tools used for collecting data are as followed.
Primary data
o Observation
o Discussion with the bank personnels.
Secondary data
o Brochures
o Annual reports
o Internet
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Total number of employees in Shah dula road Road branch where I did my
internship is eleven. The branch was headed by Branch manager Mr syed
tassawar haider shah. The flow of responsibilities and designations are shown
in managements hierarchy.
Branch
Manager
Operation
al
Manager
Credit
Remittanc
es
Foreign
Trade
Advances
Shortterm
loans
Import
Mortgage
Loans
Export
Account
Opening
The top most authority in a branch is the branch manager the rest of the staff
come under his span of control. Then comes the operational manager then
operational grade 1, operational grade 2, operation grade 3 and then clerical
staff like cash officer and junior cash officer.
The hierarchy according to the responsibilities performed is also classified as
follows.
The services in The Bank of Punjab are classified in different categories.
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Category A
Category B
President
Executive
Category C Category D
Non-Clerical Staff
vice
president (EVP)
Officer Grade II ..
Senior
vice president
(AVP)
Vice President (VP)
Driver
.. ..................
Tea Boys
Vision statement
"To be a customer focused bank with service excellence"
Mission statement
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CHAPTER#2
2.0 Introduction:
In this chapter we will explain the overall banking sector of Pakistan and
contribution made by the banking sector in the economy of the country. The
whole banking sector and its history will also going to be a part of this chapter.
The different phases through which our banking system has been undergone
since 1947 .The role of BOP will also be explained in this section of the
report. How is creating value for the people of the country. The role of BOP
towards industrial and agricultural sectors will be discussed later in this
chapter. The functions of BOP will be explained in detail in this chapter. The
functions will include the core business activities performed by the BOP.
Functions are the activities through which organization achieve its
organization goals. The products and services offered by BOP will also be a
part of this section. Products launched for different sectors of the economy
such as industry and agriculture and household customer.
2.1 Banking sector of Pakistan:
Banks play very important role in the economy of a country and Pakistan is no
exemption. Banks in Pakistan account for 95% of the financial sector. Pakistan
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balance was with held by bank, causing hardships to the newly born state. In
view of these hopeless state affairs it was agreed between the two countries
that reserve bank would serve as monetary authority in Pakistan only up to 30 th
June 1948. The era of 90s was the climax of privatization, deregulation and
restructuring in the domestic banking industry and financial institutions. The
Government only owns the National Bank but 80% of bank assets are in
private sector. Banking assets rose three-folds over the last five years and the
industry size are reaching Rs 4 trillion. The contribution of banking sector to
GDP ratio is 55.6%. Pakistan has been ranked 2nd in performance and
efficiency indicators among the South Asian countries by the World Bank.
There are 68 scheduled banks of which the top five have 50% of the market
share. Banking industry, in Pakistan, is currently under a wave of Mergers and
Acquisitions (M & As).
Government owned banks
Privatized Banks:
Development
Bank
Pakistan
First Women Bank Limited
Pak
Oman
Investment
Company
Limited
SME Bank Limited
Limited
Private banks
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Foreign Banks:
Emirates
Global
Islamic
Limited
Dubai Islamic Bank Pakistan Limited
Pak
Oman
Microfinance
Bank
Limited
Bank Alfalah Limited
Pak-China
Investment
Company
Investment
Company
Limited
NIB Bank Limited
Pak-China
Limited
Network
Micro
Finance
Bank
Limited
Standard Chartered Bank (Pakistan) KASHF Microfinance Bank Limited
Limited
Silkbank Limited Formerly Saudi Soneri Bank Limited
Pak Commercial Bank Limited
mybank Limited
Samba
Bank
Limited
Formerly
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The rate of this type of deposits is higher the saving bank accounts. The cash
reserve against this deposit are vary low because there no fear of with draw of
a month before the stipulated of time.
2.3.2 FINANCE PRODUCTS
a) Agriculture Schemes
b) Business Promotion Finance Schemes
a) Agriculture Schemes
There are many agriculture promotion schemes provided by BOP.
Such type of schemes provides farmers a real plate form to accelerate. Some
facilities given by Kissan Dost Agricultural finance scheme are:
b) Business Promotion Finance Schemes
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ATM Facility
Letter of Credit
Pay Order
On-Line Banking
E-Banking
Debit Card
Consumer Financing
Agriculture Financing
Corporate Financing
Commission free Remittance
Demand Drafts
Collection of Utility bills
Lockers Facility
Automated Teller Machine (ATM)
Through the ATMs Customers have access to the various services such as
withdrawal, balance enquiry and mini statement? Complete security is ensured
because access to the account is only possible by entering a four digit personal
identification number (PIN) known only to the account holder. Cash
withdrawal limit is up to Rs.20, 000 per day. Annual charges of ATM is
Rs.250/- per card.
Online Banking
BOP is currently offering window-based online banking to its customers,
which gives access to information on their accounts and the liability to act on
the latest information received over the net.
b) Lockers
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It is one of the utility services that BOP provides to their customers for
keeping jewellery important documents and other valuables.
c) Demand Drafts
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.
d) Letters of Credit
BOP is offering its business customers the widest range of option in the area of
money transfer. BOPs letter of credit service is with competitive rates,
security, and ease of transaction, BOP Letter of credit is the best way to do the
business transactions.
e) Pay Order
BOP provides transfer of money using different facilities. Its pay orders are a
secure and easy way to move the money from one place to another. The
charges for this service are extremely competitive.
f) Mail Transfer
Moves money safely and quickly from BOP Mail Transfer service. The rates
for this service is quiet impressive as compare to the market.
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I have done my internship in shah dula road branch of BOP. It is situated in the
heart of the city. It covers almost all the circular road area which is a trade
centre in Gujrat. This branch has a very good outlook. It is an online branch. It
is also one of those branches which are proving profitable and meeting their
targets.
2.5 Summary:
Pakistan has a very dynamic banking system. It has a great potential and it
covers the 70 percent of the whole financial sector. The banking sector is a
mix of private and state owned banks. Specializes and development banks are
also a part of the banking sector. The banking system helps in mobilizing the
resources of the country.BOP is also working in the interest of the country by
channelizing the funds and providing the safe and sound cash transfer from
one place to another. BOP performs all the functions of a commercial bank
such lending accepting deposits and acting as an agent on behalf of its
customers. The role of the BOP is to facilitate the household and business
community. BOP has launched a number of products and services through
which it performs all the functions of a commercial bank. Currently the
banking sector is going under a depression. High regulations are applied from
the SBP.
CHAPTRT#3
3.0 Introduction:
This chapter is all about the branch in which I have done my internship. The
introduction of the current staff and their qualification and their experience
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Mission Statement
To exceed the expectations of our stakeholders by leveraging our relationship
with the government of Punjab and delivering a complete range of
professional solutions with a focus on program driven products and services in
the agriculture and middle tire markets through a motivated team.
Vision Statement
To be a customer focused bank with service excellence.
Core values:
Our customer as our first priority.
Profitability for the prosperity of stakeholders that allows us to constantly
invest, improve and success.
Excellence
In everything we do.
Integrity In all our dealings.
Respect in our customer and each other.
3.1.2 Relationship of head office to the branch office:
The relationship of head office to the branch office is also termed as the
management of hierarchy. There is a certain method of communication
between head office and branch office. If head office want communicate it will
first communicate with the regional office, the regional office will
communicate with the area branch office and than the area branch office will
finally communicate with branch office.
Head office
regional office
area branch
branch office
Its mean cash and deposit department. The jobs of this department are
following:
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a) Account Opening
b) Account Closing
c) Cheque Book Issuing
a) Account Opening Procedure
When a customer wants to open an a/c he comes in this department of the
bank, and submits an application for opening an a/c. The officer of this
department gives him an application form. This application form is useful for
all accounts opening e.g. PLS CD etc. The requirements of application form
are those information which bank wants to know. Following are in the bank:
Types of accounts
Individual Account
Proprietorship
Joint Account
Partnership/Firms
Club, Society, Association of Persons Trust
Limited Company
Name
Operating Instructions
Address
Introducer
Telephone #
Country of residence
Zakat Deduction
Nature of Business
Account
currency)
Special Instruction Regarding
Details
Accounts
of
other
Banks
(local
the Account
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or
foreign
Documents to be attached
Attested Photo Copy of NIC/Passport of account holder, Proprietor, Partner,
Directors and Office Bearers as the Case may be.
Certified true copy of the certificate of incorporation or registration (in case
of companies and registered bodied only).
Certified True Copy of the Certificate of Commencement of Business (in
case of public limited companies only).
Certified True Copy of the Memorandum and Articles of Association (in
case of limited companies).
Certified True Copy of Rules and Regulations or By-Laws (in case of
limited companies).
Certified True Copy of the Resolution of the Board of Director/Managing
Committee/Governing Body regarding conduct of the account.
List containing names and signatures of the Director/Office Bearer duly
certified by Registration Authority.
Letter of partnership or Certified Copy of Partnership dead (in case of
partnership).
Trust deed and Board Resolutions, for Trust accounts.
SPECIMEN SIGNATURE CARD
When an account is opened with account opening form a specimen signature
card is given to the customer, which contains;
Branch Code
Date
Account No.
Title of A/c
Special Instructions
Names
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Signatures
Approved By
The customer fills this card and returns it to bank officer. For illiterate persons
thumb impressions are taken and two latest passport photographs shall be
taken. This specimen signature card is scanned in the computer system. So
that whenever the account holder cheque will come the bank officer will verify
his signature to the computer.
b) Cheque Book Issuing:
A chequebook contains a number of cheques, which enables the customer to
make withdrawal from his account or make payment by issue of cheque. After
account opening a chequebook requisition, which is infact, a request to acquire
a chequebook.
chequebook or for new a/c holders. When the a/c holder is old then a
chequebook slip is already in his chequebook before 10 leaves of the
chequebook. So when the account holder reaches to this slip after issuing the
first cheques, he fills this slip and presents it to the bank. This slip contains:
Title of the Account
Date (in 2 places)
Account #
Cheque Book from_____to_____
Signature of Account Holder
When the new or old customer presents the requisition form or cheque slip the
bank officer fills a bank chequebook slip. In this cheque book he fills the;
NIFT keeps the record of these issued chequebooks. These cheques are sent to
the bank. NIFT also sends a summary of these cheques books containing the
account numbers and title of accounts. The bank also keeps records of these
cheque books. The bank officer receives these cheque books with clearing.
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He writes the title of account and number of account at the first page. He
brings out the cheque books slips and vouchers.
He fills the cheque book slips by seeing the numbers of cheque book leaves.
He enters these cheque books in computer system. He files the summary of
the cheque book in a separate file. However, big mills or companies who a
number of cheque books at a time need may present the more cheque book
slips.
c) Closing of Account
d) The customer can close his account by submitting an application form. The
account is closed and balance is paid after deducting the closing charges and
application is filed in account closing file. Cheque book is returned to the
bank. The bank officer cancels all the cheques.
e) Dormant Account
f) When any customer does not operate his account for 6 months, then computer,
automatically, includes that account holder in inactive account.
This is
dormant account. Now account holder cannot operate his account. Bank
informs him that your account is now inactive.
g) Activation of a Dormant Account
h) For activating a dormant account the account holder submits an application
that he wants to activate his inactive account, with N.I.D. copy. Then the bank
officer fills an account, which is Account Activating form. The bank manager
signs on the stamp of Allowed to operate. Now account holder can operate
his account but for activating his account, he has to pay some charges.
i)
2. Clearing Department
3. As implied from the name that this department is for clearing the cheque,
which are drawn on the bank or drawn on another bank.
There are three types of clearing:
a) Inward Clearing
b) Outward Clearing
c) Within Bank Clearing
a) Inward Clearing
Inward clearing means the cheques which are to be honored by the bank but
which are received through other banks representatives. These are the cheque,
which BOP account holder gives to such account holders who have their
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accounts in other banks other than BOP. So those banks submit their cheque
books to NIFT.
NIFT-National Institutional Facilitation Technologies (Pvt) Ltd.
The facility of clearing is provided by SBP. Each bank collects the cheque on
behalf of their customers of other banks and hands over this cheque to NIFT.
When NIFT collects the cheque in the evening from every bank, then at night
all cheque are sorted according to their banks and then according to their
branches. Then cheques of one branch e.g. of BOP shah dula road are kept in
one bag with the detail summary of cheques e.g. number of cheques, total
number of cheques and amount. This bag is locked with the special plastic
key.
Next day before bank starts its work the NIFT representative gives this bag to
clearing department head and returns. Clearing department head sorts these
cheques according to PLS, CD, PO, DD and counts that cheques number are
equal to summary cheque number.
Reason of Returning
After all this the bank officer enters these cheques in inward clearing register
regardless of returned cheques. Then these cheques total is matched with
NIFT summary. Then these cheques are entered in computer and debited the
accounts of those account holders who issued these cheques. In posting when
the officer finds that account holder has not sufficient fund or signature are not
verified by SSC then he returns these cheques with memorandum.
After doing all these cheques are again kept in that bag which is locked with
special plastic key. With returning cheques a pink colour slip is attached
which has the title Clearing Return. After half an hour NIFT representative
comes back and takes this bag back and goes away. The officer circles with
red pen in register those cheques which are returned and writes R. Then he
prepares an IBCA.
b) Outward Clearing.
Outward Clearing means the collection of cheques on behalf of customers.
These cheques are those, which are drawn on other banks. This clearing can
be local or out station. When customer brings such cheque, he fills the deposit
slip. He keeps counterfoil and the remaining part is stapled with the cheque.
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The bank officer stamps the crossing stamp. He also stamps the clearing
stamp of next day and endorsement stamp. In this clearing the bank receives
the cheque whole day and enters those cheques in outward clearing register
c) Within bank Transfer
If the cheques are drawn on same bank or on other branches of this
bank then it is called clearing within bank. Such Cheques are marked with
transfer bank.
4. Collection Department:
5. The collection of cheques and other instruments has become very important
services that commercial banks render to their clients. While collecting
cheques and other instruments, a bank acts as an agent of its customer.
Therefore the banker customer relationship changes in this case from debtors
and creditors to the agent and principal besides the we commission. It
increases the interaction between the bank and the business community.
6. Bills of Collection
7. There are two types:
a. OBC (Outward Bills for Collection)
Cheques and other instruments drawn on other bank in other cities are known
as Outward Bills for Collection. In this case instrument goes out and funds
come in. Therefore it is favorable cheque. Our branch sends the instruments to
other branch in that city that branch receives payment from the other bank and
credits our branch and we credit our customer a/c.
b. IBC (Inward Bills for Collection.)
Bank receives cheques, draft and other instruments for collection from
branches of other banks, which are not included in local clearing house
arrangements. They are Inward Bills For Collection. In it, instruments come
and funds go out. Therefore it is unfavorable.
Other branches send cheques and schedule to us and we send an advice to the
Drawee branch.
4. REMITTANCE DEPARTMENT
This department has following remittances:
a) Demand draft(D.D)
b) Pay order
c) SDR
a) Demand draft:
Thats an order to pay money. It is drawn by one branch of bank upon another
branch of the bank for a sum of money payable to order or demand purpose to
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No. of branches
1. Faisalabad
43
2. Lahore
67
3. Gujranwala
45
4. Multan
64
5. Karachi
07
6. Rawalpindi
38
7. Peshawar
08
The total number of braches of BOP is 272 in the whole country. It has no
branch in foreign countries.
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Qualification
MSC Physics
M.Com
MSC Physics
M.A
Experience
11 years
07 years
09 years
02 years
Tahir mehmood
Economics
B.Com
03 years
There is a special department of BOP which trains every new recruits of BOP.
This department is called Officers training institute. It is situated on upper
Mall Lahore. Every newly hired employee of BOP is sent to Lahore for 5
weeks training in this institute.
ii.
Job rotation is one of the most common method of on the job training.
Employees are rotated and their job descriptions are also altered to prepare the
bank up for every post in the branch.
3.2.3 Workload
The official timing of all the employees is 9:00 am to 5:00 pm.
The average workload is 8 hours a day but mostly employees have to work for
more than one hour without any extra benefit. The average workload is 10
hours a day.
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Apart from the salary the other incentives are also provided.
3.2.5 Promotion system:
e. There are
ullah
bashir
Designation:
Officer manager
finances
Collection of bills
Remittances
Clearing
On-line banking
Supervision and authentication of cheques and
Rehmat
deposits.
Handle the affairs of ATM department
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department
Operation manager
place.
Create cordial and customer friendly
atmosphere in branch.
Ensure continuous satisfactory service to
the customers.
Ensure compliance of bank/SBP and local
regulations.
Approval
of
expenses
budget
with
delegated authority
Develop duty list for all branch operation
staff
Umair ansir
Designation
staff
Entry and supervision of cheques and deposit
slips
Issue of cheque books
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occur at times
Employees are not well dressed
There budget for employee entertainment is very low
Employees are highly trained
The salary package of the employees is not as attractive as compare to other
banks.
No refreshment is provided after the meeting
The latest computer systems are provided to the employees
3.3.1 Communication:
The communication between employees is not very good. Employees interact
with each other through loud voices. There is no intercom system in the
branch. The employees interact with each other in Punjabi. The employees
also communicate with customers in a very informal way. The overall
communication is not very good as per todays banking system.
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The performance of the branch can be measured from the number of deposits.
Currently the performance of the branch is very good. The number of deposits
is increasing. The average numbers of new accounts opened in a day are 5 to
6. This shows a very good performance of the branch.
3.5 Summary:
the BOP is an re emerging bank and providing the services to the clients. It
was established in 1989. It has regional offices as well as branches in far off
areas. BOP has all \the departments in its each branch which needed to
facilitate the clients. The staff of the branch where I have done internship is
very much qualified and experienced. The employees are heavily loaded with
work. Salary and incentives are given to the employees for motivation. They
performed their duties assigned to them. The branch is very congested.
Chapter#4
4.1 Introductions:
The BOP has its policies of compliance with the regulations of the SBP. It has
formulated the policies to avoid irregularities. The broad guidelines are laid
down for its day to day activities. The branch has laid down the stratigies to
achieve the goals. The branch has the policy to increase deposit and decrease
lending. It has enjoyed the ever number of increasing deposits.
4.2 Policies:
Know your customer policy and Anti money laundering policy:
In order to achieve desired KYC standards & prevent the Bank of Punjab from
being used for money laundering, terrorist financing, transfer or induction of
illegal / ill-gotten money in to the banking system, the KYC Policy has been
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4.3 Strategies:
Increase deposits through self marketing and quick responsive services to
the customers.
Decrease advances and lending to reduce the number of non-performing
loans.
Capture the market share in the area.
Provide loans to the retailers against their inventory.
Regaining the trust of the customers.
4.4 Successes:
4.5 Summary:
The policies and strategies are proving fruitful for the bank and it has achieved
its objectives through the strategies. The broad guidelines laid down by the
SBP are strictly followed by the BOP.
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Chapter5
5.1 Introduction:
In this chapter analysis of the organization has been done. The swot analysis
and porter model has been used to analyzed the external and internal
environment. BOP
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customers. Because there are number of banks operating in the market which
offer similar service.
5. Threat from substitutes (high)
There are number of substitutes in retail fianc industry such as money lender,
NBFCs, micro finance and also the insurance companies. Banks are seeing the
competition rise from unconventional companies. Markets like Pakistan
customer have high propensity towards switching to other substitutes
5.4 Summary:
BOP has certain weaknesses and strengths. The external environment has a
great influence on the performance of the bank. The regulations are very high
the environment is very competitive.
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In the light of the Knowledge obtained during internship and studying the
organization, the following recommendations may prove to be successful to
the bank.
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New
deposit schemes have been introduced and an action plan to maintain revenue
growth in future.
As the business and economic conditions remain uncertain, BOP continues to
develop the new products like it has been doing in past.
BOP must reduce the political influence to regain the public trust and make
prudent lending.
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Bibliography
http://www.bop.com.pk/
http://www.bop.com.pk/careers/index.aspx
http://en.wikipedia.org/wiki/National_Bank_of_Pakistan
http://www.sbp.org.pk/
http://www.bop.com.pk/Publications/index.aspx
http://www.pakistaneconomist.com/database2/pakbanks.asp
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