Islamabad

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  • Topic: Bank, Commercial bank, Retail banking
  • Pages : 131 (25254 words )
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  • Published : March 14, 2013
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INTERNSHIP REPORT ON MCB BANK LIMITED

Specialization: Banking & Finance

Submitted to: Chairman
Department of Business Administration

Submitted By: Name: Saira Aftab Roll #: 0000000000 Registration #: 00-00-0000 Address: _________________ Contact # _______________ Date of Submission: __________

ALLAMA IQBAL OPEN UNIVERSITY- ISLAMABAD

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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.

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ACKNOWLEDGEMENT
In the name of ALLAH, the most kind and most merciful.

First of all I’m grateful to ALLAH ALMIGHTY, who bestowed me with health, abilities and guidance to complete the project in a successful manner, and without HIS help I was unable to perform this task. More than anybody else, I would like to acknowledge my project advisor, Mr. Muhammad Azeem teacher of N.K.FACT for his never ending support and untiring efforts. He was always there to guide me whenever I felt stuck off and his encouragement always worked as morale booster for me. I have found him very helpful while discussing the tricky issues in this dissertation work. I would also like to thank Mr. Aqeel Butt (Operations Manager of MCB) for providing me the opportunity to have an excellent learning experience during my internship. His critical comments on my work have certainly made me think of new ideas and techniques.

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TABLE OF CONTENTS Executive Summary Objectives 1. Overview of the Organization 1.1 Brief History of the Organization 1.1.1 Development Phase 1.1.2 Nationalization Phase 1.1.3 Privatization Phase 1.1.4 Present Position 1.1.5 Awards & Achievements 1.2 Nature of the Organization 1.3 Business Volume 1.3.1 Revenue 1.3.2 Deposits 1.3.3 Advances 1.3.4 Investments 1.4 Number of Employees 1.4.1 Board of Directors 1.4.2 Key Management 1.4.3 Staff Strength 1.4.4 Management Hierarchy 1.5 Product Line 1.5.1 MCB Corporate Financing Products & Services 1.5.2 MCB Retail Banking Products 1.5.3 MCB Investment Services 1.5.4 MCB Agricultural Products 1.5.5 MCB Virtual Banking 1.5.6 MCB Islamic Banking 1.5.7 MCB Privilege 1.5.8 Other Services 2. Organizational Structure 2.1 Organizational Chart 2.1.1Mediocre Level Management 2.1.2 Main Offices 2.1.3 Branches Network 2.2 Organizational Structure of the Branch 2.3 Departments of Branch 2.4 Departments of MCB 01 02 03 03 03 03 04 05 06 07 09 09 10 12 13 14 14 14 17 18 19 19 20 27 29 32 33 35 35 37 37 38 38 39 40 41 49

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3. Structure and Functions of the Accounts / Finance department 3.1 Finance & Accounting Operations 3.2 The Role of Financial Manager 3.2.1 Financial manager role in cash management 3.2.2 Financial manager role in credit management 3.2.3 Chief Financial Officer (CFO) 3.3 Use of Electronic Data in Decision Making 3.4 Sources & Generation of Funds 3.5 Allocation of Funds 4. Critical Analysis of the Theoretical Concepts 4.1 Financial Analysis of Balance Sheet 4.2 Financial Analysis of Profit & loss Accounts 4.3 Ratio Analysis 4.3.1 Graphical Representation of Ratios 4.3.2 Explanation of Financial Ratios 4.4 Horizontal Analysis of Balance Sheet 4.5 Horizontal Analysis of Profit & Loss Accounts 4.6 Vertical Analysis of Balance Sheets 4.7 Vertical Analysis of Profit & Loss Account 4.8 Organizational Analysis 4.9 Future Prospects of the Organization 5. Weaknesses of the Organization 6. Conclusion 7. Recommendations 8. Annexes 9. References

56 56 58 61 62 64 67 71 74 82 82 84 87 90 96 100 105 109 113 115 118 119 120 121 124 127

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EXECUTIVE SUMMARY

MCB is one of the leading banks of Pakistan incorporated in 1947 MCB Bank has made significant contributions in building and strengthening both corporate and retail banking sector in Pakistan. This report is an upshot of my eight weeks internship in Muslim Commercial Bank of Pakistan....
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