Report on MCB

CHAPTER NO: 01
INTRODUCTION TO REPORT

 BACKGROUND OF THE STUDY

 PURPOSE OF THE STUDY
 RESEARCH METHODOLOGY
 SCHEME OF STUDY
 LIMITATION

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INTRODUCTION TO REPORT

BACKGROUND OF STUDY:
MCB Bank Limited, is one of the oldest and leading banks in Pakistan. It was
incorporated on July 9 in 1947. MCB Bank was nationalized along with other
private banks in 1974 as part of Government of Pakistan’s economic reform
movement and was later privatized in 1991. The Bank has journeyed a remarkable
tenure of more than half a century of competitively edged and well positioned
heights of success by deploying quality banking, heads on technological
developments, professionally leading management and prudent and ethical work
methodologies.

MCB Bank in one of the largest foreign banks in Sri Lanka; the first bank in Pakistan
to launch Global Depository Receipts (GDR) in 2006 and has strategic foreign
partnership with Maybank of Malaysia which holds 20% shares in MCB Bank
through its wholly owned subsidiary Maybank International Trust (Labuan) Berhad
since 2008.

PURPOSE OF STUDY:
The purpose of study is to get more knowledge about the structure and function of
the department of MCB. It has clear picture of its financial health, for this purpose
financial analysis through common sizing and ratio analysis of the bank is carried
out tolls to judge the actual financial standing of the bank. Solid suggestions are
given over all performance to improve for further.

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RESEARCH METHODOLOGY:
MCB is one of the largest banking sectors in Pakistan and internationally accepted.
While working in MCB for a short term it was not possible for me to get all the
knowledge about bank, as require more than six weeks to cover them all, so I have
tried to get adequate knowledge for my report purpose. First interviews were
taken from the branch manager during my tenure, second, I got helped from other
staff members to get more knowledge. And I got helped from bank’s website as
well.

SCHEME OF STUDY:
The scheme of study of the report is as under.
Part one includes Introduction of the study, which includes its background,
purpose, scope. Second part Is about the literal view of the bank departmentation,
and its functions. Third one Is all about bank’s financial condition and position.
Fourth part includes SWOT analysis, problems and recommendations prescribed
for bank for its improvement in future.

LIMITATION:
The study was subject to the following limitations, the absences of which could
have made this report more accurate, systematic and factual:
 The very limited time period helped me to get more and more knowledge.
 Their official accounts as there may could some secrecy issues.
 The unethical and irresponsible behavior of some employees.

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CHAPTER NO: 02
INTRODUCTION TO BANK

MEANING OF BANK
EVULATION OF BANKING SYSTEM
HISTORY OF BANK IN PAKISTAN
CLASSIFICATION OF BANKS

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BANKING INTRODUCTION

MEANING OF BANK:
The word “Bank” is derived from the Italian words “Banco”, “Bancus” or “Banc” all
of which means a bench upon which the early bankers, the Jews in Lombardy used
to transact their business in the marketplace.

“Bank means accepting money for the purpose if leading or investment of deposit
of money from the public. Repayable in demand or otherwise, and withdrawals by
cheques, draft, pay order, or other sources.

EVOLUTION OF BANKING SYSTEM:

The history of banking refers to the development of banks and banking throughout
history.
Banking defined by contemporary sources as an organization which provides
facilities for acceptance of deposits and provision of loans
The history begins with the first prototype banks of merchants of the ancient
world, which made grain loans to farmers and traders who carried goods between
cities.
This began around 2000 BC in Assyria and Babylonia.
In ancient Greece and during the Roman Empire, lenders based in temples made
loans and added two important innovations.
They accepted deposits and changed money. Archaeology from this period
in ancient China and India also shows evidence of money lending activity. This was
followed by several important innovations that took place in Amsterdam during
the Dutch Republic in the 17th century, and in London in the 18th century.
During the 20th century, developments in telecommunications and computing
caused major changes to banks' operations and let banks dramatically increase in
size and geographic spread.

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HISTORY OF BANK IN PAKISTAN:

Before independence on 14 August 1947, the Reserve Bank of India (central bank
of India) was the central bank for what is now Pakistan.
On 30 December 1948 the British Government's commission distributed the Bank
of India's reserves between Pakistan and India - 30 percent for Pakistan and 70
percent for India.

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CLASSIFICATION OF BANKS:

Banks can be classified into various types based on their functions, ownership,
domicile status, etc.

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CLASSIFICATION ON THE BASIS OF FUNCTIONS

CENTRAL BANK:
A central bank is an independent national authority that conducts monetary
policy, regulates banks, and provides financial services.
It is the bank which is responsible for the financial and economic stability of the
country.
The goals central bank is to stabilize the nation's currency, keep unemployment
low, and prevent inflation.
Most countries have some form of Central Bank serving as the principle authority
for the nation's financial matters.
It offers services to the state and banking industry.

COMMERCIAL BANKS:
Commercial banks receive deposits and advance loans to promote business and
commerce.
Commercial banks are financial institution that provides various financial service,
such as accepting deposits and issuing loans.
Commercial bank customers can take advantage of a range of investment
products that commercial banks offer like savings accounts and certificates of
deposit.
The loans a commercial bank issues can vary from business loans and auto loans to
mortgages.
Their important function includes making payment against cheques, advancing
loans and over drafts, issuing letter of credit, discounting bill of exchange,
transforming of money (by TC, bank drafts, pay orders).

INDUSTRIAL BANKS:
Industrial banks offer valuable services for the development of industries in a
country. They offer long term loans both in local and foreign currencies.
Example industrial development bank of Pakistan.

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AGRICULTURAL BANK:
Agricultural banks provide loan to farmers, landlords and feudal to enable them to
buy fertilizers, seeds, tractors others stuff used in cultivations.

EXCHANGE BANK:
It deals in foreign exchange and is involved in foreign trade. It provides foreign
exchange to importers. It buys and sells foreign exchange at open market.
Now foreign exchange dealing is made by commercial banks.

SAVING BANK:
Its objective is to encourage saving of the common man. if deposited with the
bank, turns into a large amount which is channeled in the development of
commerce and trade.
Saving banks offer interest or profit to their account holder. Now saving banks are
attached with commercial banks.

INVESTMENT BANK:
Investment banks purchase and sell shares, bonds, and securities. They assist joint
stock companies and govt. bodies to rise money through the sale of shares and
bonds.
Investment banks also perform the usual banking functions of
receiving deposits and advancing loans.
Investment Corporation of Pakistan and National Trust Ltd. (N.I.T) are serving as
investment banks in Pakistan.

MORTGAGE BANKS:
A mortgage bank is a bank that specializes in originating and/or servicing mortgage
loans.
They finance the agricultural people.
Mortgage banks lend for purchasing and reclaiming land and discharging the old
debts. They mortgage 50 percent of the land. The period of loan ranges between
15 and 30 years

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MICROFINANCE BANK:
The main objective of the Micro-finance bank is to provide small loans to small
traders. The loans are granted for short term and medium terms.
In Pakistan Micro-finance bank and Khushali bank are the example of
this type of bank.

CLASSIFICATION ON THE BASIS OF OWNERSHIP

PRIVATE SECTOR BANK:

The banks which is owned and operate by the private sector are called
Private sector banks.
For Example: UBL, HBL, ASKARI Bank etc.

PUBLIC SECTOR BANKS:

The banks which owned and controlled by Govt. of a country are called Public
sector banks.
For Example: National Bank of Pakistan (NBP), First Women Bank Ltd.

CLASSIFICATION ON THE BASIS OF DOMICILES:

DOMESTIC BANKS:
The banks which are registered and incorporated with the country are called
Domestic Banks. These banks provide financial assistance domestically. In Pakistan
the banks are registered under Pakistan company’s ordinance 1948 and regulated
under Pakistan Banking Companies Ordinance 1962 are called domestic banks.
National Bank of Pakistan Ltd., Habib Bank Ltd., etc. are the domestic banks
of Pakistan.

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FOREIGN BANKS:
The banks which have their origin and head offices in the foreign country are called
foreign banks foreign banks are the branches of the banks incorporated abroad.
The Standard Charted Bank Ltd. and Alfalah bans are the examples of foreign
bank.

CLASSIFICATION ON THE BASIS OF STATUS:

SCHEDULED BANK:
A bank which is included in the list of banks maintained by the central bank of the
country is called scheduled bank.
A bank in order to be scheduled, must fulfill certain condition. It should
cooperate with the central bank in making its monetary policy successful. A
schedule bank may be a commercial bank, industrial bank, agricultural bank, or an
exchange bank.

NON- SCHEDULED BANKS:

A non-scheduled bank is one which is not included in the list of banks, maintained
by the central bank
It does not require maintaining any balance with the central bank or
satisfying other requirements.

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CHAPTER NO: 03
INTRODUCTION TO MCB BANK

 HISTORY OF MCB BANK

 NATIONALIZATION OF BANK
 PRIVATIZATION OF BANK
 VISSION & MISSION
 CORE VALUES
 AWARDS

HISTORY OF MCB BANK:

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MCB Bank Limited , with more than 60 years of experience as one of the leading
bank of the Pakistan, was incorporated on July 9 in 1947 .the MCB bank was ranked
very high and make remarkable progress by deploying quality banking, technology
development, professional and the leading management and prudent an ethical
work methodologies. MCB was nationalized along with other private banks in 1974
as part of government of Pakistan’s economic reform movement and was later
privatized to Nishat Group lead consortium in 1991.

Since privatization MCB make exceptional progress and today in Sri Lanka
MCB is one of the largest foreign banks. MCB is the first bank in Pakistan which
launch the Global Depositary Receipts (GRD) in 2006, has strategic foreign
partnership with Maybank of Malaysia wit holds 20% shares in MCB through its
wholly owned subsidiary Maybank International Trust (Labuan) Berhad since 2008,
has international indirect regional presence in Dubai (UAE) , Bahrain, Azerbaijan,
Hong Kong and Sri Lanka and servicing through a domestic network of over 1130
branches and 600 ATMs through nationwide in Pakistan and with a customer base
of 4.5 million approximate.

MCB has a reputation of most strong financial institute and the leading
bank in Pakistan with a deposited base of PKR 462 billion, and total asset of PKR
605 billion approximate .the MCB bank one of the oldest and one of the
responsible banks in the Pakistan and has played very important role in
representing the country in the global plate farm and MCB is include in few
institution of the Pakistan that recognized and trade in the international market.

The bank has also been acknowledging through prestigious and awarded by
Euro money, MMT, Asia money, SAFA (SAARC), the Asset and the Asians Banker.

NATIONLAIZATION OF MCB BANK:

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The institute was nationalized with order on January 1 st. 1974. At that time, it had
506 branches and deposits amounting to Rs. 1,640 Mn. Although MCB has a
reputation of a conservative bank but nationalization also left its effects on this
institute as well and by end of year 1991 in which it was privatized the total
number of branches were 1,287 and deposits amounting to as high as Rs. 35,029
Mn.

PRIVATIZATION OF MCB BANK:

When privatization policy was announced in 1990, MCB was the first to be
privatized upon recommendation of world bank and IMF. And the bank was
purchased by a leading company of Pakistan “NISHAT GROUP”. This group has a
clear diversity and was known as high business tycoon.
MIAN MUHAMMAD MANSHA was the chairman of the group and MCB
bank and has played instrumental role in its success. In recognition of MR.
Mansha’s contribution, the Govt. of Pakistan awarded him with “Sitar-e-Imtiaz”
one of the most successful civil awards of Pakistan.

VISSION STATEMENT:
Our vision is to be the leading financial services provider, partnering with our
customer for a more prosperous and secure future.

MISSION STATEMENT:
We are a team of committed professionals, providing innovative and efficient
financial solution to create and nurture long-term relationship with our customer.
In doing so, we ensure that our shareholders can invest with confidential in us.

CORE VALUES:
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INTEGRITY:
We are the trustees of public funds and serve our community with integrity. We
believe in being the best at always doing the right thing. We deliver on our
responsibilities and commitments to our customers as well as our colleagues.

INNOVATION:
We encourage and reward peoples who challenge the status and think beyond the
boundaries of the conventional. Our teams work together for the smooth and
efficient implementation of ideas and initiatives.

CUSTOMER CENTERNITY:
Our customers are at the heart of everything we do. We thrive on the challenge of
understanding their needs and aspirations, both realized and unrealized. We make
every effort to comfort our customers through superior services and experiences.

RESPECT:
We respect our customer’s values, beliefs, culture, and history. We value the
equality of gender and diversity of experiences and education that our employee
brings with them.

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AWARDS:

ORGANIZATINAL STRUCTURE
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CHAPTER NO: 04

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PRODUCT AND SERVICES

 HOME REMITTANCES
 MCB BANCASUURANCE
 MCB LOAN PRODUCT
 MCB ONLINE SERVICES
 MCB CARDS
 VIRTUAL BANKING
 ISLAMIC BANKING

HOME REMITTANCES:
MCB Home Remittances offers an unmatched service for overseas Pakistani to
send money home fast and free across Pakistan within our large network of over
1200 branches of MCB. Home Remittances service is Free & instant throughout
network of international send against like “Money Gram” “Xpress Money” and
“Burk Raftar”.

MCB BANCASSURNACE:
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Combining the best banking and insurance with the help of ‘’Adam Jee Group’’.
MCB bancassurance has created a one-stop shop for all your financial and
assurance needs. Whether you want to save money or want to get secure future.
Relating to child’s education, daughter’s marriage, and many more plans.
This department was under supervision of Maam Priya and Sir Ahmed.
They offer: (FlexiLife, Life partner, Edu care, Capital sure, Dream Weeding and many
more.

MCB LOAN PRODUCT:

This department was under supervision of Sir Pardeep Kumar. And this
department works in many ways as under:

CAR4U:
MCB Car4u not only gets a car for your own choice but is also affordable with
competitive mark-up. Flexible condition, easy processing, and above all no hidden
fees or charges.

Business surmaya:
Good cash flow is the key for any successful business. MCB Business Surmaya offers
running finance facility against your house/Flat. Insuring a steady cash flow for
your business.

Pyara Ghar:
MCB Pyara Ghar is an ideal home finance from your own bank that lets you
purchase, renovate or construct your home the way you always wanted.

Easy Personal Loans:

MCB easy personal loan provides you with the financial advantages to do things
you’ve always wanted to but never had the enough funds for. Take that much-
needed holiday.
Buy a car. Refurnish your home. Purchase new TV. Finance a better education for
your children.

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MCB ONLINE SERVICES:

ATMS:
MCB has one of the nation’s largest ATM networks with over 600 ATMs and still
growing. MCB ATMs give you 24- hours convenience of cash withdraws, mini
statement, utility bills payment, funds transfer services and much more.

Call Center:
The state of the art MCB call center is the right choice to keep you in step with your
ever-hectic schedule by providing you services relating to your account and smart
card at any point in time.

Mobile Banking:
At the forefront of technological excellence, MCB proudly introduces MCB Mobile
Banking. MCB Mobile Banking is the easiest and secure way to recharge mobile
phones, transfer money, pay bills, and much more.

Online Banking:
MCB has a fast-growing network of over 1200 online branches in the country
providing customers real time online transactions facilities.

MCB CARDS:

Smart Cards:
MCB smart card is the key that enables access to convenient banking services.
Smart cards allow you to manage your account, withdraws cash, transfer funds,
pay utility bills, and mobile recharge.

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Debit Cards:
MCB brings a secure, convenient and quick payment facility that enables you to do
purchasing by using your exciting MCB ATM/ MCB Smart Cards.

Visa Credit Card:

MCB offers a complete suite of Classic, Gold, Platinum Visa credit card focusing on
providing superior services, travel privileges, & Shopping pleasure. It also offers
comprehensive insurance & installment plans, reward points, and SMS alerts that
give a different feel to the world credit cards. These unique features include I-
revolve, which makes variable markup rate available to customers allowing them to
repay at affordable rates.

VIRTUAL BANKING:
Virtual Banking Virtual Banking helps customers to stay updated on their account
activities from wherever they are and carry out their banking transactions at a time
convenient for them instead of restricting themselves to the standard banking
hours.
 Detailed about summary of all listed account.

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 Bulk funds transfers for corporate customers.

 Cheque book request for any of your listed account.
 Personal alerts for remaining of pre-specified events and occasions.

ISLAMIC BANKING:
With the help of shariah specialists, lawyers, professional, commercial bankers.
MCB Islamic named as Muslim Islamic Bank (MIB) provide Riba free and Shariah
complaint solutions to various customers segment in a growing number of cities.

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CHAPTER NO: 05

MCB MIRPURKHAS BRANCH (0812)

 ABOUT MIRPURKHAS BRANCH

 OVERVIEW TO ALL DEPARTMENTS
 CUSTOMERS SERVICE DEARTMENT
 OPERATION DEPARTMENT
 CHEQUE COLLECTION
 CASH DEPARTMENT
 ADVANCE DEPARTMENT

ABOUT MIRPURKHAS BRANCH:

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MANAGER

SYED ATIF
KAZMI

OPERATIONL
MANAGER
IMRAN
KHASKHELI

CASH ONLINE ACCOUNT ADAMJEE

CASHIER
CSO OPPENING INSURANCE
TSS CHIEF
MUHAMMAD
ULLAH IMRAN SHAR MA’AM PSR
MOHSIN SALMAN ALI
SUMAIYA SYED AHMED

CASH
CSR
CHECKER
MA’AM
SABQAT
PRIYA
ULLAH

CASHIER
RECIEPT

FARMAN ALI

OVERVIEW TO ALL DEPARTMENTS:

CUSTOMER SERVICES DEPARTMENT:

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Account opening and closing Is the functions of customer service dept. The bank’s
customer includes individual, joints, (firm) (Partnership/Proprietorship).

They basically offer two basic accounts:

1) CURRENT ACCOUNT
2) PLS SAVING ACCOUNT

OPERATION DEPARTMENT:
FUNCTION
PERFORMS

CLARING REMITTANCES

INWORD OUTWARD
CLEARING CLEARING PAY ORDER

DEMAND INWARD OUTWARD

DRAFT COLLECTION COLLECTION

INWARD CLEARING:
These - Inward clearing - cheques are the cheques drawn by the bank/branch
customers on their account in favor of other parties. On receipt of the inward
clearing, the cheques are posted to the various accounts on which they are drawn -
meaning the accounts of the cheque issuer or drawer with the bank is debited to
the account and the payment is made to the bank presenting the cheque.

OUTWARD CLEARING:
A branch receives instruments drawn on the other bank within the clearing zone
and sends those instruments for collection through the clearing arrangement is
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considered as Outward Clearing for that branch. This branch is known as collecting
branch.
In other words, inward clearing is for our branch and outward clearing is for other
banks or branches. When we receive inward clearing, we must debit our customer
account and when we receive outward clearing, we must send it to relevant bank
for payment.

REMITTANCES:
MCB Home Remittances has established its brand as MCB Burqraftaar within the
remittance industry and is committed to contribute towards the national interest
of promoting remittances through legal channels by continuously improving
customer experience for Pakistanis across the globe. In 2018, MCB Bank has
witnessed a growth of 34% in terms of volumes as compared to 2017. Our market
share has increased phenomenally from 12% to 15% during the year, thus making
MCB Bank the second largest remittance recipient bank in the country. MCB
Burqraftaar is proud to deliver smiles to millions of Pakistanis throughout the year.

PAY ORDER:
A pay order is a mode of payment that is to be cleared in the very specific branch
of the bank that issued it. Demand draft is a mode of payment that gets cleared in
any branch of the issuing branch. Pay Order and Demand Draft are the instruments
for which the value is already received by bank.

DEMAND DRAFT:
A demand draft is a negotiable instrument like a bill of exchange. A bank issues a
demand draft to a client (drawer), directing another bank (drawee) or one of its

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own branches to pay a certain sum to the specified party (payee). A demand draft
can also be compared to a cheque.

INWARD COLLECTION:
When the bank receives cheques of any other bank from its any branch situated in
some other city, then those have been declared as inward collection.

OUTWARD COLLECTION:
Outward Collection collects payments from an importer through a foreign
collecting bank upon presentation of the exporter's commercial and financial
documents. The product satisfies the needs of international trade settlement.

CHEQUE COLLECTION:
When cheque is from another city then it is grouped as C.C. such instruments are
processed as cheque for collection. In this procedure SF-37 form is used in cheque
collection. Original voucher with cheque, stamped as C.C along with C.C number is
sent to main branch of the responding city which is further sent to NIFT. Whereas
carbon copy with pay-in-slip is taken by bank for record purposes.

CASH DEPARTMENT:
It is the most important department of bank as in bank deposit and withdraw goes
side by side in cash department. This dept. deals with cash deposit and payment.
The officer inside the operation are there three.

ADVANCE DEPARTMENT:
MCB provides two types of loans as under:

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1) FUND BASE LOANS

2) NON-FUND BASE LOANS

 FUN BASE LOANS:

In this type of loans cash is directly involved. Bank provides loans in shape of cash.
Bank gives credit or limit facility to customers that needed it. In fund-based loans
there are two further types.

LONG TERM LOANS

Lease facility for car

For machinery
For fixed assets

SHORT TERM LOANS

RUNNING FINANCE
CASH FINANCE

 NON-FUND BASE LOAN:

In non-fund loans cash is not directly involved but bank gives granted on their
behalf of customer. Bank work as third party as granter. Bank provides a security to
customer when he needs, and someone requires from the customers.

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CHAPTER NO: 06
FINANCIAL CONDITION AND ANANLYSIS

 GRAPHICAL PRESENTATION OF FINANCIAL

STATEMENT

 UNCONSOLIDATED PROFIT AND LOSE ACCOUNT

 CONSOLIDATED STATEMENT OF FINANCIAL

POSITION

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CHAPTER NO: 07

SWOT ANALYSIS

 STRENGTHS
WEAKNESSES
OPPERTUNITIES
THREATS
SELF EXPERINCE
SUGGESSTIONS
CONCULUSION
REFRENCES

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STRENGTHS:
 MCB is successive and market oriented.
 MCB spent to much amount on HRM development and training.
 Customers default rate is low as compared to other banks.
 MCB has the largest ATM network in the country.
 Meeting the challenges of latest technologies by introducing smart card,
reemit express, mobile banking etc.
 One of the major strengths of MCB is that it has very stable deposit base.
 MCB is one of the leading banks with around 1200 branches in over all cities
of country.
 The bank enjoys competitive advantages over other banks in Pakistan.
 The bank enjoys competitive profitability in the industry.
 MCB has captured majority of potential customers in Pakistan.
 MCB has the accounts of big organizations like OGDCL, PTCL, HESCO, EFU,
SUZUKI MOOTORS, ADAMJEE INSURANCE, PARCO PATROLIUM etc.

WEAKNESSES:
 Low motivational level.
 Employees dissatisfaction due to ill treatment and poor reward system.
 Decision making process is very slow.
 It has not having greater number of branches in abroad.
 Though, ATM network is the largest system it has, but still some areas are
missing with this opportunity.
 MCB RTC are usable only in Pakistan.
 Though, all the system is computerized but still there are some issues with
the availability of computers in branch.

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OPPERTUNITIES:
 Leasing sector is growing in Pakistan from the last two three years which can
provide opportunity to MCB to go ahead in this area as well.
 MCB is providing loans on low rates which paves a way to grab more
customers.
 Financing to small/medium cottage industries will increase its advances and
profitability as well.
 Islamic trading-based banking can enhance the business of the bank.
 Launch the more effective and easy online banking system for every citizen.

THREATS:
 Other private commercial bank with sound of profitability is also a threat to
MCB e.g. UBL, Alfalah, Meezan Bank etc.
 For the last of many years, Pakistan is facing economic and political instability,
which is also a big threat.
 Afghan and Iraq war has a deep effect on the economy of Pakistan, which
may can affect MCB.
 Low motivation of staff can really damage the base of MCB.
 Now a day’s peoples are more preferring cash transactions over banking
system because of taxes and assets declaration.

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SELF EXPERINCE

 Dressing (Suiting)

 Regularity

 Punctuality

 Account opening

 Account Closing

 Account Activation

 Stop payment

 Interaction with peoples & professional

 Issuance of Cheque Book

 Remittances

 Clearing

 Counter Services

 Symbols software

 Facing stressful Environment for employees

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SUGGESTIONS

After doing a deep study and witnessing everything that goes on in a branch, I
would like to make some suggestions that:
 First, the management should make strong HRM policies to facilitate their
employees and lower their stress by motivating them and giving reward
them.
 MCB bank can improve marketing strategies to acquire more promotion and
mass publicity using effective channels of promotions like TV, Newspaper
Advertisement. It can also improve its magazines publications that it releases
each month.
 In order to compete in the ever-expanding market both nationally and
internationally, introducing new and efficient products is one of its major
requirements.
 Centralized structure that enables employee’s involvement needs to be
formed.
 Continue lectures seminars on customers dealing and communication
strength.
 Atm machine should be checked on daily basis and keep up to date to avoid
any conflict between customers and employees.
 I also have observed that there is a lack of staff in branch so if any employee
need leave so there is no one who can over look at his/her responsibilities.
And it creates high pressure and stress on manager and other staff.
 MCB should make the strategy about job rotation of employees.

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CONCULUSION

 During my internship in MCB bank (Ltd) it had a good experience of 6 weeks

and I learn so much about the banking and the working and I also observe
many thing in which something are good for the banking business and I
observe some weakness in the MCB branches. the good thing is that most of
the branches are online and connected with the main Bank and the online
system which I like and observe is secure and time saving and there is less
chances of the mistake as compare to non-online bank branches there is also
facility of ATM machine almost all the branches of MCB bank which is good
for bank and the customer too and the working and the functioning of the
MCB bank is smooth and customer oriented and the management is good
but there is also the drawback is that some employees has not professional
degree which makes the difference as compare to the work of the
professional degree holder some employee not paid full attention to the
customer and not use the proper business language with the customer but
the professional have the very good manner and they give proper attention
to their customer.

 I experienced that the management is hesitated to give internee chance of

working in the cash department because they are not taking any risk. Also,
some branches have not full decorated and in some branches, there is no
installation of rotation camera which is not good for the security.

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 I conclude through the study and perpetration of the ratio analysis I

conclude that the Net profit margin of the company decrease and it is need
to be improved and Gross spread ratio also decrease need to be improved,
non-interest income to total income is relatively increase which is good sign
for organization . Debt ratio of the company decreased over the years.
Return on asset (ROA) increasing on the year base its good because the
organization use its asset effectively and efficiently and there is also needed
to improve the return on equity. Price earn ratio is stabilizing over the period
and the return of equity has been decreased.

 Finally, I conclude that by keep the entire thing in mind that

organization doing good business overall but the need to make the policies
of the organization is more effective and stabilized which makes the
organization sounder reliable and strong.

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REFERENCES:

 www.mcb.com.pk

 www.google.com

 www.sbp.com

 http://www.mcb.com.pk/ir/fin_data_rep.asp

 http://www.finance.gov.pk/

 www.wikipedia.com

 Operational Manual of MCB Bank

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