INTERNSHIP REPORT

BANK OF PUNJAB

Submitted By

Student Name Ume Habiba

Reg # 18-Arid-883

Supervisor

Ms. Tahira Kanwal

Lecturer

Year

2021

Gujrat Institute of Management Sciences

PMAS-Arid Agriculture University, Rawalpindi

 CHAPTER -01

INTRODUCTION

I have done the internship to complete the academic requirement of BBA (Bachelor of Business
Administration) at “Gujrat Institute of Management Sciences” (GIMS) and to have the gather
practical experience by working professionally. This experience helps me to know how to the
deals which are related to practical job responsibilities. Internees are generally placed for
internships according to their major or specialized subject. As a student of finance, I got a chance
to complete my internship in the “Bank of Punjab” (Nishan-e-Haider Chowk Branch, Gujrat). I
have been started my internship from 9th August 2021 to 20th September 2021. Reportedly, the
topic of this program was the internship program. I was endowed with the authority to make a
report on the “General Banking Activities” of the Bank of Punjab. It was a good and a great
experience for me to work as an internee at the Bank of Punjab.

1.1Background of the Study

The internship report is the fundamental part of the BBA Program at “Gujrat Institute of
Management Sciences” (GIMS). This is the second field of academic knowledge and practical
field. This internship report is prepared for the sake of the completion of the BBA program which
is conducted by the department of “Gujrat Institute of Management Sciences”. I have completed
my internship report to fulfill my academic curriculum purpose. The objective of the report is to
combine into one our academic knowledge with that of practical ones and the internship report
gives us an insight into the management of the organization into the real-life situation. The
implication of practical knowledge helps to achieve the perfection of theoretical knowledge. To
be established in the corporate world professional experienced is very important. For established
in the corporate world, I got a bit of practical experience by analyzing the overall banking
activities of “Bank of Punjab”.

1.2 Scope of the Organization

BOP is a banking and financial services provider. The bank's product portfolio consists of savings
accounts, current accounts, commercial loans, customer loans, agriculture loans, debit cards, and
deposit products. It additionally presents offerings including cash management, trade services,
home remittance, financing, leasing, e-banking, and ATM offerings.

1.3 Objectives of the Internship

Primary Objectives:

 To learn the banking system of the “Bank of Punjab”.

 How the “Bank of Punjab” performs general banking activities.
 How banking system implement in real life?

Secondary Objectives:

 To know about the general banking system of the "Bank of Punjab”

 To apply my theoretical knowledge in real life.
 To observe the general banking purpose.
 To get an idea of how commercial banks works?
 To get the practical experience that helps in real life.
 To find out the problems that banks faced and then find out the solution to solve the
problem.
 To analyze the current position and performance of the bank and make future predictions
according to current position and performance.

1.4 Objectives of Studying the Organization

My report is based on my practical work experience with the “Bank of Punjab”. The practical
experience is helpful for me to reduce the distinction between realistic and hypothetical
knowledge. This report extremely helped me a lot to understand the weather and environment of
the organization. As an internee in “Bank of Punjab”, I have to access many different
departments i.e. account opening department, ATM issuance procedure, Cheque Book issuance
procedure, the procedure to activate the dormant account, how to fill the UBO’s, fill UC, and
CDR form, billing the cheques, etc. I couldn't learn about all banking sectors without practical
experience as it was a large financial sector with limited time.

1.5 Plan of the study

The internship report is divided into five (5) chapters. The detail of these chapters is given below;

In chapter 1 Introduction of the Study will be discussed which includes objectives, limitations,
merits, methodology, and scheme of study.
In chapter 2 Overview of the Organization which includes the background and history of banking
in Pakistan, historical background of Bank of Punjab, SWOT Analysis of BOP, BCG Matrix of
BOP, PESTEL Analysis of BOP, and Competitors Analysis of BOP.

In chapter 3 Organizational Structure which includes the hierarchy chart of the BOP, the
introduction of all departments of BOP, and also discussed the components of the BOP.

In chapter 4 Plan of your Internship which includes the discussion of the introduction of BOP,
starting and ending dates of internship at BOP, name of departments where I got the training
during internship, activities which learn from the internship (Training Program), detailed
description of a training program.

In chapter 5 Summary of learning are discussed and in chapter 6 financial analysis of BOP is
included and in the last chapter conclusions and recommendations.
 CHAPTER 02

OVERVIEW OF THE ORGANIZATION

2.1Brief History of the Organization

The “Bank of Punjab” changed into given the fame of scheduled financial institution in 1994. The
builder of the financial institution Mr. Nawaz Sharif then, the Chief Minister of Punjab,
achieved the inauguration. Tajammul Hussein propelled this bank. and it is presently working as
a commercial bank having an organization of six hundred and twenty-five (625) branches in
Pakistan. Six thousand and ninety-two (6092) employees work at BOP at this time. BOP earned
Rs. 12.0 Billion operating income in the year 2020 and in the year 2021 its operating income is
23.3 Billion. It encourages its clients through a broad extend of banking administration such as
settlements, stores within the local currency and progresses to agriculture, and trade. Zafar
Masud is heading the bank; Zafar joined BOP as CEO & President on 16 th April 2020.

2.1.1Awards and Achievements

Top Performing Bank in Kamyab Jawan Program

In December 2020, the Prime Minister of Pakistan granted a trophy to the “Bank of Punjab” for
being the best performing bank in Prime Minister’s Kamyab Jawan Program (Youth Work Plot)
Dispensing.

Number One Bank by J.P. Morgan Bank

The Bank of Punjab has been granted Number One Bank by J.P. Morgan(John Pierpont Morgan)
Bank against the most elevated Straight Through Processing (STP) rate of 96.12% accomplished
against EUR installments handled within the year 2020.

Excellence Award by the Central Board of Revenue

The Central Board of Revenue presented an “Excellence Grant” to the Bank of Punjab in
acknowledgment of the commitment made by the Bank towards the Government exchequer.

3rd Kissan Time Awards

In acknowledgment of the Bank’s commitment and approvement and development of the rural
sector, the Bank respected with “Best Bank Crop insurance” beneath 3 rd Kissan Time awards year
2006.

Best Corporate Report Award

Annual report of the Bank for the year 2005 won 5 th position for the “Most Excellent Participate
Report Award” for the monetary division, arbitrated mutually established of Chartered
Accountants of Pakistan and management accountants of Pakistan.

16th Bolan Excellence Award

The Bank was granted Best Bank grant beneath 16th Bolan Excellence Award distributed in 2006.

Achievement Award

The Lahore Chamber of Commerce & Industry (LCCI) granted the Bank (LCCI) accomplishment
grant 2006.

2.2.2Vision Statement:

“To be a customer-focused bank with Service excellence”.

2.2.3Mission Statement:

“The mission of BOP has been observed To exceed the expectations of their stakeholders by
leveraging their 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.”

2.2 Nature of the Organization

BOP (Commercial Bank) is engaged in borrowing, lending and prepaying, withdrawing, services,
discounting, buying, selling, collecting and negotiating bills of exchange, promissory notes, bills
of exchange, bills of lending, receipts, warrants, bonds, certificates, etc. Negotiation of shares,
funds, stocks, bonds, contracting loans and advances, acceptance of bonds of all kinds, valuables
for custody provision of safes, the collection and transfer of money and securities. The bank
provides all kinds of banking services such as deposits in local currency, customer deposits in
foreign currency, transfers and advances to companies, commerce, industry, and agriculture.
Since agriculture is the backbone of our economy, the Bank of Punjab introduced Kissan Dost
Agricultural Financing Scheme for small farmers. BOP earned dividend income for the
distribution of profit. Reserves are accessible to the bank out of normal deposits.
2.3 Business Volume (Minimum last 3 years)

The BOP is conducting its business in Punjab. And their main consumers are the government.
Most government employees are consumers of the Bank of Punjab. The fact and figures of the
business volume of the BOP are mentioned below. These facts and figures start from 2018 to
2020.

2020 2019 2018

Total Assets Rs. (Million) 1,095,446 868,928 714,380
Total Liabilities Rs. (Billion) 1,043,185 822,245 676,659
Shareholder’s Rs. (Million) 46,306 41,311 34,460
Equity
Investments Rs. (Million) 567,789 361,453 210,071
Total Income Rs. (Million) 36,371 30,696 23,726
Deposits Rs. (Million) 835,068 691,017 595,582
Profit After Tax Rs. (Million) 6,944 8,2489 7,5634

2.4 Product/ Service lines

BOP products consist of all those services which consumers normally required for efficiently
managing their business. BOP offers the following financial product and services to its
customers.

2.4.1Product

Deposits

Current Account

Basic Banking Account

Tejarat Account (LCY)

Supreme Current Account (FCY)

Profit and Loss Sharing Term Account

Account Profit and Loss sharing Term Accounts offered by Bank of Punjab are:

PLS Saving Account

Ziada Munafa Saving Account

PLS-Saving Profit plus Account

Supreme Saving Account (PLS)

Supreme Saving Account (FCY)

Advances/ Loans

Aasaih Loan

Quick Cash

Car Loan

House Loan

Small Cash Personal Loan

BOP Motorcycle Loan

2.4.2Services

The Bank of Punjab provides a quality banking experience to the customer through a range of
unique Banking Services.

Commercial Banking

Online Banking

Cash Management Services

Utility Bills

Lockers

Western Union Money Transfer

2.5 PESTEL Analysis

PESTEL Analysis stands for “Political, Economic, Social, Technological, Environmental and
Legal Analysis” and describes a structure of macro-environmental factors used in the
environmental scanning feature of management.

Political Factors

Political factors contain the government rules and official issues and describe both for
Government type and constancy:

 Freedom of press and levels fraud.

 Social and employment legislation.
 Tax policy, trade, and tariff controls.
 Environmental and consumer protection legislation.
 Government’s position on marketing principles.

Economic Factors

Economic factors influence the purchasing power of the potential customers and the firm's cost of
principal:

 Stage of the business cycle.

 Current and predictable economic growth, inflation, and interest rate.
 Unemployment and labor provide labor costs.
 Levels of disposable income and income distribution.
 Likely force of technological or other change on the economy.

Social Factors

Social factors contain the demographic and societal aspects of the external macro-environment.
These factors influence the customer’s requirements and the size of possible marks:
  Population growth rate and age profile.
 Population health, education, and social mobility and attitudes to these.
 Population employment patterns, job market freedom, and attitude to work.
 Press attitudes, public opinion, social attitudes, and social taboos.
 Lifestyle choices and attitude to these.

Technological Factor

Technological factors can lower the barrier to entry and consist of automation:

 Impact of rising technologies.

 Research and development technologies.
 Impact of technology transfer.
 Impact of internet, reduction in communications costs and improved inaccessible
working.
 Lead to innovation.

Environmental Factors

Many problems are addressed by using mobile applications and online bank services like
customers can apply for credit cards online, buy cheques online and answer most bank questions
online by phone. So, it reduced individual environmental footprints.

Legal Factors

The banking industry follows strict laws regarding privacy trade and consumer structures to
confirm the framework within the industry. Such structured are necessary for international
customers and users in the allocated country.

 Licenses and permits

 Labor laws
 Industry regulation

2.6 SWOT Analysis

BOP is one of the greatest emergent banks in Pakistan. In the light of these situations, we make a
SWOT Analysis. SWOT Analysis is an overall evaluation of an organization’s strengths,
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weaknesses, opportunities, and threats that affects the organizational performance. Best strategies
can be accomplished by using SWOT Analysis.

S: Strength

 The stability of a Bank is the strength of any bank. The Bank of Punjab has had stable
development since its establishment.
The main share of BOP is owned by the Government of Punjab, so it can build up a good
representation and conviction among customers.
The officer of BOP is considered very professional in their fields. They do their jobs
according to the sector of the target market. The major strength is to delight their customer as
a friend and talk about their troubles with them.
BOP quickly opened their branches all over the country so that their customers can easily
excess to the bank. The bank of Punjab has a very good internal system. The records of
customers are held in a very secure way and easily accessible.
W: Weakness




The main weakness of BOP still mentioned by the Auditor is the lack of internal controls.
Despite BOP's several services and products, not even a single ad is published on
electronic media.
During my internship, I observed some of the employees burdened with overwork, which
I think should be distributed according to their posts and capabilities.
Favoritism of employees.
  BOP has very little staff in this branch as compared to upper Punjab. This creates
problems employees have spent most of their time in the bank to complete their routine
work. For this reason, their normal life is distributed which creates irritation in the
behaviors of employees.

O: Opportunity

 BOP introduced a large number of financial schemes especially Deposit Accounts.

 The BOP should focus on IT, especially on E-banking as the 21 st century future in
information technology, like foreign bank BOP can plan worldwide accounts to get the
better online facility.
 Today the consumers have different needs BOP introduced a lot of schemes that will
meet the demand of Dynamic customers, so with the wide range of products and services
people are becoming more trustworthy with the bank, also branding strategies of bank or
helping them.

T: Threats

 Businesses of all banks are rising day by day so BOP has to face strong competitors.
 There are very difficult conditions in our country at this particular time, the banking
sector is facing a difficult situation, the BOP is making a higher profit the adverse
condition can be damage the bank financially.

2.7 Boston Consulting Group(BCG) Matrix

The Boston Consulting Group (BCG) Matrix is a simple tool to Access a company’s position in
terms of its product range. The company thinks about its product and services make decisions
about which it should keep, which it should let go of, and which it should invest in further. This
method can help to understand the portfolio management strategy of companies. As a result, the
question mark and Star will receive investment funds. This model is very simple to understand,
and it provides a base for management to take future actions for the company. The BCG model is
helpful for the manager to do balance in the company's current product portfolio of stars, cows,
question marks, and dogs.
 1. Stars
The stars are business leaders and they show high growth and high market share as well. They
should also generate a large amount of cash for business and every company must hold a star
segment for the high growth of the business.
2. Cash Cows
Cash cows consist of low growth and high market share. Profit and cash generation should be
high and low growth due to less investment.
3. Question Mark
Question marks include high market growth and low market share. They have the worst cash
advantages because of high cash demand and they have generated less return because of their low
market share.
4. Dogs
The market share and market growth both have low in dogs segment, must ignored and minimize
the number of dogs in the company.
BOP falls in stars according to BCG Matrix. Because the market growth rate and market share
rate are high.
2.8 Competitors

BOP has its marketing value and worth no one is the direct competitor of BOP but some banks
are to some extent are competitors of the BOP. Following are the competitors of BOP;

2.8.1 JS Bank Limited

Four thousand nine hundred four (4904) employees work at JS Bank Limited. 282 branches in
112 cities work in Pakistan. Its revenue according to June 29, 2021, is 16.197 billion in Pakistani
Rupees.

2.8.2 Meezan Bank

More than eleven thousand five hundred (11500) employees work at Meezan Bank. 835 branches
work in Pakistan. Its revenue according to September 30, 2021, is Rs 19.6 billion as compared to
Rs 18.1 billion in the corresponding period last year reflecting a growth of 8%.

2.8.3 Soneri Bank

Three thousand ninety-seven (3097) employees worked in Soneri Bank. more than 300 branches
of Soneri Bank are worked in Pakistan. Its revenue according to 30 June 2021 is Rs 3027 million.

2.8.4 MCB Bank

One thousand five hundred and fifty-one (1551) branches of MCB are worked in Pakistan. Ten
thousand (10,000) employees are working in MCB. And generates $604.57 million in sales.

2.8.5 Faysal Bank

Five hundred and five (550) branches in 200 cities are worked in Pakistan. Three thousand six
hundred and ten (3610) employees are worked in Faysal Bank.

2.8.6 Alfalah Bank

More than seven thousand (7000+) employees are worked in Pakistan. According to June 30,
2021, its revenue is climbed up 24% to Rs 6.934 billion.

2.8.7 Habib Bank Limited (HBL)

More than one thousand and six hundred fifty (1650+) branches are working in Pakistan. Twenty
thousand seven hundred and ninety-five (20,795) employees are worked in HBL.
 CHAPTER -03

ORGANIZATIONAL STRUCTURE

Name The Bank of Punjab

Logo

Established in 1989
Geographical Location Pakistan
No. of Branches 625
Number of Employees 6092

3.1 Organizational Hierarchy Chart

Details of Board of Director
Mr. Mohammad Jehanzeb Khan Director
Mr. MAbdullah Khan Sumbal Director
Dr. Muhammad Amjad Saqib Director
Mr. Khawaja Farooq Saeed Director
Mr. Saeed Anwar Director
Mr. Shahryar Ahmad Director
Mr. Syed Ghazanfar Abbas Jilani Director
Mr. Zafar Masud President & CEO

3.2 Introduction of all departments

Departments that are working at BOP are following;

3.2.1Cash department

Receiving departments

Verification

Posting

Payments

Position of cash

Register maintenance

3.2.2Clearing and Collection department

Outward Clearing

The instrument collected or stored bank sensible and a schedule is arranged individually for each
bank mentioning the total number of instruments and the amount of the instruments. Then these
are recorded in a register called “Outward Clearing Register” then the main schedule is prepared
to view the total number of cheques and their total amount being presented in the clearing. The
cheque/instruments are handed over to the clearing branch. Central clearing branch issues “Credit
Advice” to the branch for passing credit to its client instantly. The branch on receiving credit
advice debits the clearing account and credit the respective customer accounts.
Inward Clearing

On receiving cheque/instruments from the central clearing branch, the in-charge checks the
number and amount of cheque received in clearing must tally with the main schedule received
from the central clearing branch. These cheques/instruments are entered in the “Inward Clearing
Register” for the cheque/instrument passed in the clearing is credit advice for the aggregate
amount of cheque passed in the clearing is prepared, drawn on central clearing branch.
3.2.3Remittances Department

By proving this service to the clients the Bank of Punjab earns a lot of income in the form of
service charges. The Bank of Punjab deals with the following type of remittances:

DEMAND DRAFT (DD)

Demand draft is a written order given by one branch of a bank on behalf of the customer to another branch

of the same bank to a certain amount to a certain person.

MAIL TRANSFER (MT)

It is the transfer of money from one branch to another branch of the same bank through mail
service. In mail transfers, there is no need for advice as the amount is directly credited to the
receiver’s account.

TELEGRAPHIC TRANSFER (TT)

This is the most urgent method of remitting the money from one place to another place. This
method is used when the sender desires to send urgently, in this case, the sender request the
manager of the branch to issue TT.

3.2.4Account Opening department

Opening a new account is like an agreement between the bank and client which is guided by the
people under the investigation section. The beginning function of this section is to open various
types of accounts, by allotting them their Account number and also in this account issuing cheque
book and solve the different problem of customer related to the account.

Category of Accounts
The customer can open their account in different categories:

Individual Account

Joint Account

Assan Account

Current Account

Saving Account

Salary Account

FTF Account

3.2.5Foreign Exchange department

Foreign exchange is considered to be one of the most important pillars of the state.  The foreign
department is considered to be one of the most important documents of the bank. Here all the
dealings in exports and imports outward and inward remittances from the countries are treated.
BOP acts as an importer bank as well as an exporter bank for different parties who are interested
in the business of export & import.

Import Means
All services are taken from other countries to the home country.

Export Means
All goods and services are sent from home country to country.
3.2.6Billing Department
The bank collects all kinds of utility Bills including Electricity, Gas, and Telephone from the
client. All Branches of the Bank collect Utility Bills during banking hours which are paid through
cash and cross cheques in the billing department following functions are performed by the bank
of Punjab Nishan-e-Haider Chowk Branch, Gujrat. i.e.Collection of bills (Electricity, Sui Gas,
PTCL), Transfer of bills, Collect dues of different colleges, Balancing on cash, etc.

3.3 Comments of the Organizational Structure

An Organizational structure that describes how positive actions are directed to fulfill an
organization's goals is known as an organizational structure. Rules, roles, and obligations are
examples of these activities. The structure of the BOP is hierarchal. Because there are certain
layers of the management team as upper, middle, and lower. Although there exists the pyramid
structure there is coordination, collaboration among the organization’s members and there is a
good atmosphere.
 CHAPTER -04

PLAN OF YOUR INTERNSHIP PROGRAM

4.1 Brief Introduction of the Branch

I joined the Bank of Punjab for an internship. I worked at BOP Nishan-e-Haider Chowk Branch,
Gujrat. The branch code is 0204. It is the type of Conventional Banking. The Nishan-e-Haider
chowk branch is one of the largest branches of the BOP in Gujrat. The branch timing is 9:00 AM
to 5:00 PM from Monday to Wednesday without any break. The branch timing of Friday is 9:00
AM to 5:00 PM with the break of 1:00 PM to 2:30 PM.

4.2 Starting and ending dates of Internship

I joined the bank of Punjab for an internship. I worked at BOP Nishan-e-Haider Chowk Branch,
Gujrat. My internship duration was of 6 weeks, from 09th August 2021 to 20th September 2021.

4.3 Name of departments in which I got training and the duration of training

I got training in different departments of the BOP. The departments from where I got training are;

4.3.1Account opening department

I worked in the account opening department with Sir Iftikhar Ahmed Officer of Grade
RM(Relationship Manager) for two (02) weeks from 09th August 2021 to 20th August 2021.

4.3.2Sales department

I worked in the sales department with Ma’am Tazeen Aslam Officer of Grade CSO(Customer
Sales Officer) for two (02) weeks from 23rd August 2021 to 03rd September 2021.

4.3.3Clearing and collection department

I worked in the clearing and collection department with Sir Amir Awais Officer of Grade
GBO(General Banking Officer) for two (02) weeks from 06th September 2021 to 17th September
2021.

4.4 Training Program

 My training program is for 6 weeks. I started my training from 9 th August 2021 to 20th September
2021. I worked in 3 departments. I worked for 2 weeks in every department. And learn a lot of
things from this training. I taught that how to work and behave in a professional place. I got a
chance to implement my bookish or theoretical knowledge practically. I got much experience
from my training.

4.4.1 A detailed description of the activities performed by the departments where I

worked

At Account Opening Department

I performed the following functions in the account opening department:

 Tell the customers about account opening forms. What documents are required and how
to fill the form?
 Take the detail of customers for account opening.
 My supervisor asked me to fill the form. He told me about the documentation
requirement and stamps used on the form.
 I had to take the signature of the customer on the SS card(Specimen Signature Card).
 My duty was to place the required stamps on the account opening form.

The officer verifies the form whether is filled correctly or not and then the form will be signed by
the branch manager in the presence of the account holder and the account number is issued to the
account holder.
At Sales Department
 I taught how to fill deposit slips for the customer. What are the bank requirements for
depositing money by the customer? I filled deposit slips for regular deposits by customers
in their accounts.
 After filling the deposit slips my next work was on the filling of a cheque. What are the
requirements of the bank? And what type of cheque is not acceptable by the bank?
 I taught how to receive requisition of cheque book from customers and what are the
requirements of the bank had to place a stamp of signature verified stamp and received a
stamp on the slip.
 I filled many cheque book requisition slips for new cheque books requests. In slips, I had
to write down the date, account number, name of the account holder, and the number of
leaves of cheque book.
  It was told me how to fill the ATM form and what is the requirement given by the bank.
Requirements by the bank are the following:
1. Name of the customer
2. Date of birth
3. Mailing address.
4. Copy of CNIC of customer
 I have to place signature verified stamps on the ATM form.
At Clearing and Collection Department
 I worked on vouchers. He taught me how to separate the vouchers of different types and
are criteria for matching the vouchers and cheques with statements are.

 I also worked on locker operation. My supervisor told me the procedure of the locker.
 He assigned me the work;
When any customer come to operate his/her locker, my duty was to enter the date and time of that
customer in the Locker record register and take the signature of that customer.
4.4.2 A detailed description of the task/project assigned

Week #01

At Account Opening Department

Day #01: The task which I performed on the first day of internship at the account opening
department is to fill the account opening form.

Day #02: The task which I performed on the second day of my internship is to write the account
number of the customers in their account opening form.

Day #03: On the third day the task assigned to me is to separate the cheque book requisition from
the booklet of the account opening department.

Day #04: On the fourth day he assigned me the task to put the right stamps at the right place on
the account opening form.

Day #05: On the last day of the day he assigned me the task to dispatch the accounts and paste
the address of the place where these accounts are dispatched.

Week #02
At Account Opening Department

Day #01: On the first day he taught me how to fill the SS Card(Specimen Signature Card)? Then,
he assigned me the work to fill the SS Card and take the signature of the customer at SS Card.

Day #02: On the second day he taught me to fill the UBO’s (Ultimate Beneficial Owner’s) then
assigned me the work to fill the UBO’s.

Day #03: Holiday of Youm-e-Ashoora

Day #04: Holiday of Youm-e-Ashoora

Day #05: On the last day of the second week he taught me how to fill the Annexure-A and KYC
(Know Your Customer)? Then, he assigned me the work to fill the Annexure-A and KYC (Know
Your Customer).

Week #03

At Sales Department

Day #01

On the first day of week three, she taught me how to fill the multipurpose form? The basic
purpose to fill this form is to have the complete information of the customer. And then she
assigned me the work to fill the multipurpose form.

Day #02

On this day, she taught me how to change the number or block the number, how to activate SMS
alerts, how to change the CNIC number? To change or block the number, SMS alerts, change the
CNIC number multipurpose form is used.

Day #03

On that day she taught me scanning and uploading of ODD(Operational Due Diligence) and
EDD(Enhanced Due Diligence). And then assigned me the task to scan the ODD and EDD.

Day #04

This day she taught me how to fill the cheque and deposits slips? Then assigned the work to fill
the cheque and deposits slips.
Day #05

On the last day of the weekend, she taught me how to fill the cross cheque? Then assigned the
work to fill the cross cheque.

Week #04

At Sales Department

Day #01

On this day she taught me how to fill the requisition of issuance of cheque book applying? Then
assigned me the work to fill the requisition of issuance of cheque book.

Day #02

At the weekend she taught me how to fill the cheque book activation requests? Then assigned the
work to fill the cheque book activation requests.

Day #03

This day she taught me how to fill the requisition of issuance of ATM(Automated Tailor
Machine) card applying? Then assigned the work to fill the ATM card requisition.

Day #04

On day four I helped her in balancing the ATM card and cheque book balancing.

Day #05

On that day she taught me how to activate the dormant account?

Week #05

At Clearing and Collection Department

Day #01

On that day he taught me how to fill the CDR(Khushali Call Deposit Receipt)?

Day #02

On that day he assigned me the task to fill the CDR(Khushali Call Deposit Receipt).
Day #03

On that day I helped him in making the salary badge.

Day #04

On that day I helped him in making the salary badge.

Day #05

On the last day of the fifth week, he taught me how to fill the cross cheque? And then assigned
me the work to fill the cross cheque.

Week #06

At Clearing and Collection Department

Day #01

On that day I helped him in making the salary badge.

Day #02

On that day I helped him in making the salary badge.

Day #03

On the third day of my last week, I helped him in billing the voucher for file.

Day #04

On the forth day of my last week, I helped him in billing the voucher for file.

Day #05

On the last day of my internship, he taught me how to fill the UC(Universal Cheque) and for what
purpose bank makes UC.

4.5 Weekly Timetable

A weekly timetable of my work is;

Week #01 & 02

 At Account Opening Department

Work/ Project Date Day

Fill the account opening form 09th August 2021 Monday
Write account opening number on account opening 10th August 2021 Tuesday
form
Separate the cheque book requisition from the booklet 11th August 2021 Wednesday
of account opening form
Stamping the account opening form 12th August 2021 Thursday
Ready the accounts for dispatch 13th August 2021 Friday
How to fill SS Card(Specimen Signature Card)? 16th August 2021 Monday
Fill the UBO’s (Ultimate Beneficial Owner) 17th August 2021 Tuesday
Holiday (Youm-e-Ashoora) 18th August 2021 Wednesday
Holiday (Youm-e-Ashoora) 19th August 2021 Thursday
Fill the Annexure-A and KYC (Know Your Customer) 20 August 2021
th
Friday

Week #03 & 04

At Sales Department

Work /Project Date Day

How to fill the multipurpose form? 23rd August 2021 Monday
How to change in number, SMS alert, number block, 24th August 2021 Tuesday
change CNIC?
Scanning ODD(Operational Due Diligence) & 25th August 2021 Wednesday
EDD(Enhanced Due Diligence)
How to fill cheque and deposit slips? 26th August 2021 Thursday
How to fill a cross cheque? 27th August 2021 Friday
How to fill the requisition of issuance of cheque book 30th August 2021 Monday
applying?
How to fill the cheque book activation requests? 31st August 2021 Tuesday
How to fill the requisition of issuance of ATM(Automated 01st Sep 2021 Wednesday
Tailor Machine) card applying?
Help in Balancing of ATM card & cheque book 02nd Sep 2021 Thursday
 How to activate a dormant account? 03rd Sep 2021 Friday

Week #05 & 06

At Clearing and Collection Department

Work/ Project Date Day

How to fill the CDR(Khushali Call Deposit Receipt) 06th Sep 2021 Monday
Filled the CDR(Khushali Call Deposit Receipt) 07th Sep 2021 Tuesday
Help in making the salary badge 08 Sep 2021
th
Wednesday
Help in making the salary badge 09th Sep 2021 Thursday
How to fill the cross cheque? 10th Sep 2021 Friday
Help in Locker Security Balancing 13th Sep 2021 Monday
Help in Locker Security Balancing 14th Sep 2021 Tuesday
Help in Billing the vouchers for file 15th Sep 2021 Wednesday
Help in Billing the vouchers for file 16th Sep 2021 Thursday
How to make the UC(Universal Cheque)? 17 Sep 2021
th
Friday
 Chapter -05

SUMMARY OF LEARNING

5.1 What skills and qualifications I have gained from the internship

The skills which I gained from my internship are how to work at a professional place? How to
behave professionally? And also I learned that how to implement theoretical knowledge
practically. I taught that how to fill the account opening form, what documents are required for
the account opening form, how to fill the UBO’s, how to fill the Anexxure-A, for what purpose a
multi-purpose form is used? etc. I gained all these skills and qualifications from my internship.

5.2 What kind of responsibilities I have undertaken during the internship

I have undertaken the responsibilities from my internship to be punctual, to be professional, to be

sincere with my work, how to fill the account opening form, what documents are required for
account opening form, how to deal with customers, and also I have undertaken that how to
behave professionally and how to deal with others during the internship period.

5.3 How do I think the internship will influence my future career plan

I think the internship will influence my future career plan because it may help me to work at a
professional place and also help me to implement my theoretical knowledge practically.

5.4 How do I think the internship activities that I carried are correlated with my
classroom knowledge

The internship activities which I carried are correlated with my classroom knowledge because
many parts of my classroom knowledge are implemented practically during the internship.