Internship Report

On
MUSLIM COMMERCIAL Bank Ltd.
(MCB)

A REPORT SUBMITTED TO THE DEPARTMENT OF MANAGEMENT SCIENCES,

VIRTUAL UNIVERSITY OF PAKISTAN IN PARTIAL FULFILLMENT OF THE
REQUIREMENTS FOR THE DEGREE
M.COM (FINANCE)

Submitted by

MC160401390
NAILA BIBI
Session (2016-2019)
Submission Date: JULY 19, 2019

Department of Management Sciences,

Virtual University of Pakistan

Page 1
1- LETTER OF UNDER TAKING

Page 2
2- INTERNSHIP CERTIFICATE

Page 3
 3- Dedication

I would like to dedicate this accomplishment offline to my beloved and caring parents and to my
teachers with the support of whom I am standing at this step of my life stairs.
I did my internship from May 2019 to July 2019. My experience in doing so was very good.
I learned much and the staff of the bank was very helpful who fully cooperated with me in the
completion of my tasks.

4-Acknowledgement
All praises & way to Almighty ALLAH, the author who is the entire sources of know-how &
awareness endowed to mankind. I provide my gratitude from the intensity of my coronary heart
to closing messenger Hazrat Muhammad (P.B.U.H), who's for all time a torch of steerage and
know-how for entire humanity.

I am thankful to all the staff members of the MCB Fateh Jang Branch (0455). Number of
Employees of MCB is 13,380. Number of Employees in Fateh Jang Branch is 8.

 Mr. Sajjad Hussain (Branch Manager)

 Mr. Yasir Sajjad (Operational Manager)
 Miss Afshan Jabeen ( Relationship Manager)
 Mr. Jawad Ahmed (Cash Department)
 Mr. Waqas Junaid (Cash Department)
 Mr. Atif Munir (Account Opening Department)
 Mr. Usman (Remittance & Clearing Department)
 Mr. Usman (Credit Officer)
 Mr. Ahmed Hassan (GBO)

I additionally want to show my gratitude to respected course teachers who manual me on each
and every step of this document. Without whose nicely in time assist and guidance it would be
plenty tough for me to achieve this assignment effectively.

5-Executive Summary

MCB Bank changed into incorporated via the Adamjee Group on July 9, 1947 in Kolkata in
Bengal, below the Indian Companies Act, VII of 1913 as a confined Bank. In January 1974, the
authorities of Pakistan nationalized MCB following the banks Act 1974, in June 1974, Premier
Bank restricted merged with MCB. In April 1991, the authorities of Pakistan transferred the
control of the financial institution to Nishat Group, group of leading industrialists of the u. S.
With the aid of selling 26% stocks of the Bank. The MCB has a stable foundation of over 50
years in Pakistan, with a network of over 1100 branches, over 500 MCB ATMs national and a
network of banks on the MNET ATM Switch. MCB's operations endured to be streamlined with
recognition on rationalization of costs, re-alignment of returned-end processing to growth
productivity, enhancement of customer service requirements, procedure efficiency and controls.

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The Bank has taken the lead in introducing the progressive concept of centralizing Trade
Services within the use of a through imparting centralized overseas alternate services to branches
with a view to enhance efficiency, know-how and decrease delivery fee. During my internship in
MCB I specifically labored in Remittances and Customer Service Office department, I also took
information approximately the Forex market department with the aid of spending per week there
and I effectively finished all of the challenge/responsibilities that were assigned to me. During
the path of internship I learned approximately specific capabilities performed by Remittances,
Foreign Exchange and Customer Service Office department and by way of the bank as an entire.

I additionally learnt financial institution’s correspondence with their customers and inside
branches. I learnt approximately documentation requirements and document maintaining for
unique activities and processes, mainly the documentation required for specific varieties of
remittance i.e., pay order and demand draft. This file includes the advent of Banking, Banking in
Pakistan, the short records of MCB Bank Limited, mission and imaginative and prescient of
MCB Bank, its merchandise, awards, company profile, organizational structure, working of
diverse divisions and departments together with the responsibilities completed through the intern,
SWOT and economic evaluation and finally ends with guidelines and end.

6-Table of Contents

S.NO CONTENTS PAGE

01 Title of Page 01
02 Scanned copy of Letter of Undertaking 02
03 Scanned copy of Internship Certificate 03
04 Dedication 04

05 Acknowledgement 05
06 Executive Summary 06
07 Table of Contents 07
08 Brief Introduction of Organization’s Business Sector 08
09 Overview of Organization 09
10 Plan of Your Internship Program 15
11 Training Program 16

12 Learning Experience 24
13 Organization Analysis 26
14 SWOT 30

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 15 Future Prospects of Organization 36
16 Conclusion 37
17 Recommendation for Improvement 38
18 Reference and Sources Used 39

19 Annexes 40

Brief introduction of the organization’s business sector

Definition of Bank:-

The time period 'Bank' is getting used for a long time, but it has no precise definition.
One of the simple motive is that the industrial banks perform no longer simply one however
many types of functions. The term bank has been described differently by way of exceptional
authors. Some are as follows:
According to Crowther

"Bank is a dealer in debts—his own and of other people."

A financial institution is an economic organization which offers with deposits and advances and
different associated services. It receives cash from folks who need to keep within the shape of
deposits and it lends money to those who need it.

According to Banking Companies Ordinance 1962,"Banker method man or woman transacting

the commercial enterprise of accepting for the cause of lending or investment, of deposits of cash
from the general public, repayable on demand or in any other case and withdraw in a position via
cheque, draft, order or otherwise and consists of any Post Office Savings Bank."

Finance is the life blood of change, trade and industry. Now-a-days, banking sector acts as the
backbone of modern business. Development of any united states mainly depends upon the
banking system. Banking is one of the maximum touchy corporations all around the
international. Banks plays very crucial role within the economic system of a rustic and Pakistan
is no exemption. Banks are custodian to the belongings of widespread loads. The banking sector
performs a widespread role in current global of money and economy. It impacts and helps many
exclusive however incorporated financial activities like assets mobilization, poverty elimination,
manufacturing and distribution of public finance. Bank plays a vast position in the economic
development. The usual monetary of a country is actually dependent on the green banking
system. Industrial, agricultural and industrial development of a country is not viable without a
terrific banking device.

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 Overview of the organization

History of MCB:
MCB financial institution is the one of the main financial institution of the Pakistan MCB have
the experience over 50 year in Pakistan and the hard work which make it leading enterprise
inside the gift situation .MCB isn't make the in a single day achievement tale but behind the
fulfillment of the MCB is the hardworking and the total determination .

MCB financial institution limited changed into included by the Adam Jee group on July nine,
1947 underneath the Indian groups acts VII as a constrained enterprise. The bank turned into set
up so one can offer banking centers to the enterprise community of the south Asia. The financial
institution changed into nationalized in 1974 at some stage in the authorities of Zulfiqar Ali
Bhutto. This become the primary financial institution become privatize in 1991and the bank
changed into purchase via a consortium of Pakistani corporate group led through Nishat group.
As of June 2008 the Nishat institution owns a majority stake inside the bank.

During the first five years, the personal management focused on increase using its big network of
branches and evolved a massive and stable deposit base. Since privatization, the bank has made
awesome headway in enhancing the operational efficiency thru human resource improvement
and employment of technology. The bank today boasts the goal on-line logo and ATM
community within the use of a. MCB became the first to introduce the photo card with the
creation of MCB Master Card. Corporate banking ensures help from a dedicated group of expert
financial advisors for underwriting, undertaking finance or company advisory services.

The bank has also been acknowledged even though prestigious recognition and awards by means
of Euro cash, MMT, Asia Money, SAFA (SAARC), The Asset and the Asian Banker.

Organization Hierarchy Chart

BRANCH MANAGER

OPERATION MANAGER

CASH ACCOUNT CLEARING REMITTANCE FOREIGN EXCHANGE

DEPARTMENT DEPARTMENT DEPARTMENT DEPARTMENT
DEPARTMENT

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 Business Volume
MCB having huge wide variety of community over 1116 branches is arrogantly running all over the
country. MCB one of the leading financial institution of the Pakistan with a deposit base of approximately
Rs. 290 billion and total asset of around Rs. 400 billion MCB has earned the recognition of concrete
monetary institution over the sixty years of achievements and boom MCB continually focus on boom thru
enhancing provider pleasant, making an investment in era and people using extensive department network
and growing a big and regular deposit.
 Retail Banking
 Corporate banking
 Virtual banking
 Privilege banking
 Agriculture banking
Product and Services lines

MCB financial institution of Pakistan offers in all of the schemes and the services of a bank in a
current situation there are numerous sets of financial infrastructure with which the MCB
financial institution is leading in providing the offerings to its clients.
Consumer Banking:

The MCB bank has providing purchaser portfolio, comprising the debit card, credit cards,
automobile loans and personal loans. However, MCB is confident that its strengths, together with
its biggest network of online branches, a advanced generation platform, a huge customer base
and the Consumer Personal Banking Group (CPBG), will take the Bank’s profitability to new
heights.
Commercial Banking
Large style of services and products are providing by the Muslim commercial bank in Deposits:
Bank accepts deposits which might be sustained by way of the bank in distinct sort of bills. MCB
bank offers these bills for depositing the finances.
 Current account
 Term Deposit
 Saving accounts

Loans and advances: Bank grant loan to the customers MCB also grant different kinds of loan to
different customers MCB grants.

 Consumer loan
 Commercial and corporate loan(pledge, mortgage)
 Running finance
 Cash4Cash finance
 Demand / Term finance

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 Other services

 MCB visa credit card

 MCB Visa Debit Card
 MCB mobile ATM’s
 MCB SMS banking
 MCB mobile
 MCB call center
 MCB lockers
 MCB investment service
 MCB Bank assurance
 MCB Home Remittance
 MCB Virtual Banking
 MCB equity capital raising
 MCB Rupee Travelers Cheque

Competitors

The banking sector in Pakistan making very fast growth and there is many close competitor
of MCB bank of Pakistan.

 United Bank Ltd.

 Askari bank Ltd.
 Allied bank Ltd.
 Bank Alfalah Ltd.
 Bank Al-Habib Ltd.

(A) Brief introduction of all the departments

 Cash management department:

In cash management department the teller are the cashier person receive the deposited and the
give the cash to the account holder on their demand and also maintained the online etc. In cash
department there is three type of sector.

 Cash receipt
 Cash payments
 Bill and fees etc

 Account opening department:

The account beginning department is the branch which offers with opening of latest account
or the verifying the account this department is important as par the order of the kingdom
bank of Pakistan in this branch.

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 Account department:
This is important department wherein the account are maintained and additionally the voucher
and the books and the all the expenses or expenditure of the bank are maintained so it's far the
most critical department of the financial institution. Maintaining all the account of the financial
institution is the obligation of this branch.
 Dispatch department:

Dispatch branch is the very critical region inside the financial institution because all inward and
outward mails wherein everyday and touchy as properly, routed or transfer to this department as
the mail within the branches consists of documents masking name to items, cheques, inter branch
Dr. Cr. Advices. So it's miles crucial to deal with dispatch cautiously and make certain there is
no incorrect delivery of mails.

 Clearing department:

NIFT stand for National Institutional Facilitation Technologies. Clearing house of SBP has
shifted a part of its work to non-public group names NIFT. NIFT collets cheques, call for draft,
pay order, travelers cheques etc. From all branches of various banks within city through its
carriers and send those to the branches on which these are drawn for clearing. NIFT put together
a sheet for every department and ship it to each branch as well as to State Bank of Pakistan
wherein accounts of Banks are settled. There are two form of clearing in the financial institution
and at some point of my internship me doing each kind of the clearing.
 Inward clearing
 Outward clearing

 Credit department:

In this department the financial institution granted the loan to the client and there are the
exclusive type of the credit which is provided to its customer at some point of my internship I
found out that if a few person request for the loan then bank granted him a mortgage in line with
restrict and a few requirement for distinctive type of mortgage for example if the business
enterprise request for the mortgage then financial institution granted the loan in line with some
requirement and limits which observe on the employer.
Finance department:

Financing branch is the critical department because financial institution finance in diverse
methods like advancing the mortgage and make the profit as an excess quantity within the
manner of hobby the MCB finance in such a way giving the loan to the consumer and also
purchase the share of the private enterprise additionally finance in the agriculture region and the
personal region as well.
 Business development department:

The commercial enterprise department promotes or selling the product to the customers,
merchandise like ATM account starting forms and so forth. This department works as set the
goal strategies according the current occasions this department work with the 3 strategic targets.
 Customer satisfaction
 Employee satisfaction

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  Business results

(B) Comments on the organizational structure:

Success of any company depends upon the proper organizational shape. In MCB organizational
structure may be very clean and professional. Work is divided to branch in line with the type of
the work. During my internship inside the bank I discovered that departments doing their assign
assignment and responsibilities, no discrepancy observed between the lowest line personnel and
the pinnacle degree management. All communications among the employees and the department
is efficient whither it's miles horizontal or vertical. Every worker realizes his responsibility and
authority thoroughly for doing the preserve task. I just like the structure of bank for its
effectiveness. The adopted structure of MCB is complete filling the necessities of the agencies.

Organizational structure that certainly assigns duties, authority and reporting relationships,
ensuring that assigned duties are efficaciously finished; placing appropriate inner manage
regulations; tracking the adequacy and effectiveness of the inner manage device via evaluation
and validation via internal auditors. In my opinion MCB bank of Pakistan doing the clean,
obvious and the great paintings which make the MCB financial institution (Ltd) a main financial
institution in the banking region of the Pakistan.

7- Plan of your internship program:

(A) Introduction of the Branch:

I have completed my 8 weeks internship program in MCB branch located in Fateh Jang. Branch
Code is (0455). This branch is online branch.

Operations of the branch are controlled by branch manager and operations manager. Operation
manager guided to the different functions operating within the organization and the sub manager
makes sure that staff doing work efficiently in the entire department.

(B) Starting and ending date of internship:

Starting and the ending dates of my internship program in the MCB Bank
Starting date: 2nd May 2019
Ending date: 4th July 2019

8- Training program

(A) Reason for selecting the organization:

I choose this organization due to following reason:

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MCB is the first Pakistani privatized financial institution and its exceptional control, advertising
and marketing; innovation in products and services is acting well in financial marketplace.

 MCB has an excellent recognition inside the banking market.

 MCB has highly certified specialists to change average set up.

(B) Duties performed for the period of my internship I performed following functions about
different segments, which are as follow:

 Customer service department:

Customer service officer is a person whose main function is to facilitate the customer. As a CSO
I performed following function.

 Issuing of the deposit slip

 Issuing slip of online fund transfer like (pay order, demand draft etc.)
 Issuing account statement
 Entertain the balancing inquiry of the customers.

 Account opening department:

 Opening of account :

During my internship in MCB account commencing is my second assignment that is one of the
primary operations of any financial institution. Mr. Atif Munir helped me plenty and guided me
about system and precautions in account starting. I trained for account opening farm to primary
records in all aspects. The man or woman who wants to open his bills in the bank he need to
need following
 Application form

Application structure contains all the data of the client wherein incorporate name of
client, client’s dad and mom names, private statue, account type, beginning store of the
client, client CNIC, closest relative and detail of client’ calling or business and so on.

Duties that I performed in MCB as an internee:

 Account opening (Form filling)
 Biometrics of new accounts and continue accounts.
 Debit Cards form filling for new accounts holders.
 Credit Cards form fillings.
 ATM cards entry in register as a record.
 Form filling for western union amount.
 Deposit slips filled for customers.
 Write cheques of clients.

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 9- Learning Experiences

(A) Knowledge Gained:

During my internship in MCB bank I gain a valuable know-how about specific project relating to
banking. I learnt simple knowledge relating to accounting methods & techniques and
additionally fruitful know-how referring to realistic software of many accounting principles. I
learnt important understanding relating to documentation regarding to banking region. In this
software, I learnt vital information regarding banking quarter, as an example approximately
banking history, opposition and advertising and marketing developments and so on.

(B) Skills Learned:

During my internship I cope with many customers and personnel, this was a fantastic enjoy
learning special abilities touching on with:
How to cope with our purchaser:
How to manage an office:
How to paintings under strain i.e. In rush hours
Establishing and Maintaining Interpersonal Relationships skills:
I found out about a way to adjust myself in company environment.
(C) Attitudes and values:

Most important challenges’ in organization because our knowledge is not enough then does
not easily used every system managing in organization.

 Customer services

 Maintaining reputation

 Change Dealing with customers

 Post Assessment

 Skills Application

 Adopting training

 Improve learning

(12) Organizational Analysis

 Stock exchange

 T-Bills

 Paid to Government of Pakistan

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  To Provide Loans

 Loan for Home and vehicle

Sources of Funds:

The commercial bank is a retail financial institution which helps other members open savings
accounts and manages money accounts. The Commercial banks also provides customers with
deposit, withdrawal and transfer the money services. The commercial bank can also carry out
retail banking business through an automatic teller ATM machine or other services.

 Deposit:

The customers deposited money in banks. The banks collected money from customers and
maintain the proper customer’s accounts, completing customer’s transaction and
withdrawals.

 Reserves Fund:

The commercial bank builds a reserve fund with deposits so it can pay interest on accounts and
completely withdrawals. The bank reserve fund should be equal to its capital. The banks provide
accumulated approximately 12 % of its net profit to build.

 Shareholder Capital:

Some commercial banks that trade on the stock exchange can use shareholders' capital to receive
the money it needs to stay in business. For example, if a company sells shares on the market, it
increases both its cash flow and its share capital. This process is also known as equity financing.
Banks can only report the amount of capital that was initially on their balance sheet.

 Retained Earnings:

A lot of commercial banks earn retained earnings or fees to help fund their business. A retained
earning can be collected through overdraft fees, loan interest payments, securities and bonds.
Banks also charge fees for providing customers with services such as maintaining an account,
offering overdraft protection and also monitoring customers' credit scores.

 Grant Funding:

A lot of commercial bank provides the personal loans, obtained loans, auto loans and other loans
to our customers with bench mark. The commercial bank easily maintained the grant funding in
life.

 Products and services:

The number and variety of selling opportunities presented to non-profit organizations, especially
through the Internet, is growing rapidly. All too often, the advertisements for those products and

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services make outrageous and misleading promises of big and easy money to needy and
vulnerable non-profits. This product is nonprofit money.

b) Management Department

 Centralization/Decentralization:

The Management department decision making authority is concentrated at the top and few
people are responsible for making decisions. The Decentralization authority is only delegated to
all levels of management and throughout the organization.

c) Human Resources Department

 Employee’s Recruitment and selection:

This session is very most important HR department because which make a great impact on
the revenue growth and profit margins of an organization as compared to other tasks such as
on boarding and leadership development and talent.

 Training and development:

The Organization are training and development opportunities to those who after totally
failing performance in an organization or company. The encourage employees to develop
their professional skills by offering course at work or work team. The organizations are
making full training with grouping, with teaming and with conferencing. The MCB bank has
training and development of our employees. The main objective of training activities are to
keep MCB employees well-informed of latest professionals knowledge and skills in all
areas of banking , as well as to reinforce a passion for the highest quality of customer
services at all levels .training and development is essential to carry out the work and run the
organization smoothly.

 Performance experience:

The most importance objective is a performance experience. In the Human Resources

working all to gather with all employees and solve the problems for every working in
banking.

(13) SWOT

 Strengths

As mentioned earlier MCB Bank Limited has got high-quality popularity within the market. It
could be very regularly seen that a commercial enterprise is renowned merely due to its call. This
call is frequently known as goodwill of a enterprise. It isn't clean for any business to create
goodwill within the market. It takes something special.

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MCB Bank holds an approved “Corporate Social Responsibility Policy” by the Board that shows
Bank’s constancy to serve the community.

MCB Bank is one of the market leaders in the banking sector where it understands its
responsibility towards the nation’s economy. The strategy at the Bank has always been to secure
the interest of both its internal and external stakeholders by strictly order to regulation and
principal of good governance.

WEAKNESS:

The bank has following weaknesses:

 Weak advertising guidelines

 Less penetration in electronic and print media

 The bank is small in size

 Bank has no branch out of doors u. S.

 Staff isn't furnished with the necessary trainings inside the financial institution and from
outside establishments.

 A huge share of advances includes NPLs.

 Centralized I. T device in place no longer dealing with the issues arises at branch level.

 Have a variety of products for the customers but are not promoted through media or some
other medium.

 Some branches are in poor circumstance which wishes preservation to attract customers
and decorate operating surroundings.

Opportunities

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The principal opportunities available to the bank are as below:

 Extension of branch network in U. S. A. To facilitate and increase patron

base

 Strong media marketing campaign to capture foremost proportion of the

marketplace and effective penetration to customer.

 Expansion of enterprise improvement, income and marketing group of

workers to seize market stocks successfully.

 More penetration within the marketplace of various sectors to discover

commercial enterprise for the financial institution.

 Opening of branches in foreign nations.

 Threats

Other mechanical Banks inside the commercial center and vigorous media showcasing
effort by various banks. In spite of the fact that MCB Bank does never again confront a
momentary resistance from all as few aren't of that gauge and others do now not fall in
the equivalent classification. Intensity in unmistakable items and administrations given
by various banks inside the market.

For Example:- Habib Bank, Bank Al-Habib, National Bank of Pakistan, United Bank,
Allied Bank.

"To be the primary money related contributions organization, cooperating with our
clients for an increasingly rich and loosened up predetermination". As continually,
MCB anticipate its constant help in the coming years. Administrations need to hold to
burn through cash on branches to lead them to more noteworthy deals and transporter
orientated. Through coming of most recent deals and administration model, fortified
exchange handling and primary budgetary product menu, try to accomplish this desire.

MCB is totally outfitted to not handiest hold its expansion test anyway would likewise
development its rate inside the business through the approach of a progression of
computerized basically based items, formation of Consumer financing to blast volumes
and peril diversification.MCB bank is an arrangement of eating more noteworthy
present day item which will help in MCB bank growing more. As the size of MCB is
extremely enormous and it goes under the 5 greatest banks there are part odds of
increment for MCB du to its quality.
Now MCB bank open new branches
Expand their business more and more

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 Introduce more electronic based products
MCB focus on outstanding services
Now MCB is totally online working

(15) Conclusion:
I even have concluded that MCB is completely dedicated, influenced and aimed to do precisely
what is cited in its assignment declaration.MCB has been playing a fantastic function in banking
industry of Pakistan. Formed due to the fact 1947 and passed via nationalization and
privatization modes, now financial institution is in hand of Mian Mansha‘s group which is one of
effective and robust enterprise group. MCB is performing in excellent position considering the
fact that 10 12 months and prevailing best home bank awards and mainly were rewarded a Sitra-
E-Imtiaz Pakistan very honorable and precious award. MCB bank is an organization is properly
managed with organizational shape and green employees because of its growth it has vibrant
future in banking agencies. MCB has the functionality to face the demanding situations of gift
self-inspired phrase. MCB is making development with the aid of leaps and boundaries.
Innovation in collaboration with innovative ideas is taking it to new heights, allowing it to the
touch climax. Overall financial performance of the financial institution remained fine. The
financial institution needs to attention on its intermediation position i.e. Extending credit score
and loans to the economy. The banks percentage of investment portfolio is markedly excessive.
MCB Bank released cellular banking in 2009 with approximately 53 thousand customers
reported through the end of the 12 months. As of 2012, the number of mobile clients has
multiplied to approximately 293 thousand clients with 15 times extra transaction quantity.
Fateh Jang Branch of MCB has very cooperative professional and distinctly proficient staff. The
group of workers is keen to provide first-rate offerings to the clients in most efficient and
powerful way. MCB goals to make long time relationships with customers, therefore building
profitable dating with them.MCB has ability to face the challenges of present dynamic world.
 Good communication with their customers
 Provide complete information to their customer
 MCB have well organized environment
 MCB do not allow any relaxation to their employees in working hours.
 Behavior of the manager as well as staff is very good.

(16) Recommendations for Improvement:

In 8 weeks internship program in MCB, on the bases of observations in branch, I want to give
following recommendation for improvement:
MCB should rent at least one HRM officer at every branch for dealing HR associated work.
Management should distribute work equally among exclusive employees. Some of the
employees are overburdened even as a few sections are overstaffed.

Procedure of receiving loans need to be easy and quick time to facilitate the
borrowers and beautify the profitability of the Bank.

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The top control should without delay start questioning in phrases of rotating the employees in
numerous departments, as this transforms work pressure into human capital. Employee education
program should be advanced.

The present technology is of brief disposals and selections. The credit score portfolio is the
important income of the financial institution, the foreign and private banks in Pakistan have
entrusted

The financial institution provides loan to that that sector that's fantastically appropriate for
economic system. For examples (agricultural mortgage, housing finance, personal loans, small
issue loans and so forth.)

The primary difficulty of finance is recovery. After providing quick and medium term loans to
specific corporations, the financial institution need to extraordinarily focus on healing of loans.

Provide short and medium term loans to different sector of economy for boost up of the financial
system.

If credit card facility is introduced as a part of giving credit to client, then MCB can get powerful
response from its client.

It must be added computerized telegraphic cash in all cities.

There is big range of people for depositing application payments and executive. Dues at the
branches, because of which the work of regular purchaser of the financial institution is not on
time.

In the quit, I additionally would love to give an offer approximately the seating of the internee’s.
As I faced a problem when I become seeking to restoration my seat between officials to no
longer to come in their manner and after I were given the proper region , I did no longer had
something in front to me . So, a small chair and a small desk would be lots enough to get settled
and put the matters as properly.

References and Sources Used

Sources used from family, bank staff and friends.

Human resources management system (HRM)

History of MCB bank Ltd.

Www.mcb.com.pk

Annexes

MCB Broachers

Manager of Branch

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Operation Manage

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