AN INTERNSHIP REPORT

ON

SUBMITTED TO
Sir .Mumtaz Kanju
(INCHARGE INTERNSHIP& PLACMANT)

SUBMITTED BY

Muhammad Shahzad Niaz

Roll # 56
M.com (eve) Finance specialization
SESSION 2008-2010

DEPARTMENT OF COMMERCE
ISLAMIA UNIVERSITY BAHAWALPUR
IN THE NAME OF ALLAH, THE MOST
BENEFICENT AND THE MOST MERCIFUL

DEDICATIONS

This report is dedicated to my parents, friends and my

teachers who all support me in times of intricacy and
continuously appraise me.’
Therefore these people are the source of my
inspiration and I would be forever thankful to them for
keeping my morale high and encouraging me against all
odds.

Preface
Internship is an integral part of B.com (Hon’s) program. It is a mean of providing
practical exposure to the student, of what they study
Our teacher also managed an internship program for us. I had my internship in
“HABIB BANK LIMITED BRANCH DAHRANWALA (1408), for Eight weeks.
During this period of Eight weeks I work in all the departments of Branch, and
learned a lot. As the period of internship involved working with the permanent staff
of bank and assimilating into their routine it provided an experience and in depth
review of how the employees of the bank coordinate one another and with their
manager.
. The daily difficulties that aroused out of the formal routines of the bank became
evident and the draw back of the extremely formalized system of the bank became
apparent during the internship period. The bank facing the difficulties of less staff and
difficulties of operating the new simex system. Following is the generalized view of
the bank as perceived by me during the period of my internship is presented for the
readers before going into depth review of the report. As the generalization are based
on the writer’s perceptions so they cannot be considered as the final word in this
context as perception are different with different people.
In this report, I have tried to present a complete picture of Habib Bank Limited.
Including its market position, competitive production, working of bank, its various
departments, and finally the SWOT analysis and financial analysis of Habib Bank
Limited.

Acknowledgements
I must offer my thanks to Allah Almighty by whose blessings I have been
able to complete my internship report on HABIB BANK LIMITED.

I offer my thanks to Sir Zahid Ali for his valuable guidance and contribution
in making my report meaningful and useful.

I also thank to the Branch Manager Mr. Abdul Qadeer, officers and
employees for their kind behavior and full cooperation during the internship
period.

I also thank to the Branch operation Manager Mr. ULLAH KHAN Officers
and employees for their kind behavior and full cooperation during the
internship period and tell about the importance of customer in the banking
field

I also thank to the Branch officer MR. Asghar Ali cooperation during the
internship period and tell about FLAXI LOAN.

In the last I like to thank all of the staff of branch for their valuable
comments, cooperative behavior and friendly environment during the
internship.

Muhammad Shahzad Niaz

Executive Summary
 I have completed my 8 weeks internship in HABIB BANK LIMITED.

I tried my best to gain something practically from this opportunity. This

report starts from the introduction of word ‘Banking’, and then History of

HABIB BANK LIMITED. History of HBL shows that how it helps its

Nation and Country in both war & peace. the first Pakistani bank .Bank

Mission statement & Vision shows its focus on overall performance of the

bank and quality of services and products.

After restructuring of the bank the objectives of the bank are changed. Now

it has objectives to overcome past mistakes, realize the real importance of

customer so now it has main objective to achieve customization.

A commercial bank has basic functions that are must be performed by them

as a bank i.e.

1. Accept money as deposits.

2. Investing deposits to earn profit.

3. Miscellaneous functions.

Each branch of the bank is divided on the basis of these functions into

different sections.

Deposit section opens different accounts of clients and maintains record of

deposited money from the customer & credited it into his account. It also

maintains record of payment to the customer when he presents cheque.

Advances section deals the customers who demand loans against required

security.

Remittance & collection section deals customers who want to transfer or

collect their money from/to other city.

Foreign Exchange section deals customers who have foreign account in the

bank & deals exchange of foreign currencies.

Bank also provides facility of L.C to support export and import in the

region.

Flexi is the new product of Habib bank for the employees.

All branches are now interconnected with head office through internet.

Total numbers on branches are 1469 and number of employees

are 18625.

Bank shows improvement after the privatization.

Simex system is very good but misused by staff due not proper training.

SWOT analysis of Habib Bank shows that it has small number of strengths

and lot of weaknesses and threats. The bank should give attention to this

drawback. But bank has lot of opportunities to improve its quality of

services, and do efficient banking. Bank should give proper attention to

overcome its threats.

Banks profit has been increased as compared to previous years.