Internship report on Habib Bank Limited

Internship Report Submtted to the faculty of mnagement And Administrtive Sciences in Partial Fulfilment Of Requirements For the Degree of Masters in Business Administrtion.

BYName Qasim MumtazRoll no 11014220-174Programe M.B.A (3.5 years)

Date of SubmissionName of program CoordinatorSignature of Program Coordinator

AcknowledgeI would like to pay my gratitude to almighty ALLAH for giving me power to work hard and efficiently achieve all goals very easily and reach this stage .Next I am very thankful to my parents who give me all things and fulfill my all wishes .specially my father spot me in education. This report fulfills all requirements of M.B.A degree. SecondlyI am also thanks to all staff of HABIB BANK LIMITED branch all staff tell me about HABIB bank limited give me all necessary instructions and important information who helped me in preparing this report . Staff gives me precious time and provide source. And in this way gain every detail of HABIB BANK LIMITED branch I feel so much lucky to get their co -operation. So I thanked modern technology as well provide information. Because some information related t HABIB BANK LIMITED gain the web site of HABIB BANK and other link.

A brief executive summary of H.B.LIn Pakistan HABIB BANK LIMITED established operation in 1947 and head office moved in Karachi. First international branch established in Colombo sirilanka 1951 and HABIB bank plaza was built in 1972. IN recent year offered commercial banking and retail banking.He HABIB BANK LIMITED provides all necessary information and facilities to customer. in this way satisfied customer stay in the market .the banking act between customer and bank .what customer want and what h.b.l want. HABIB bank limited provide to customer long term profit and many other different facilities for example account opening ,loan facility, locker facility etc H.B.L staff having good behavior as compared with other banks. So that mostly customers prefer H.B.L and H.B.L is expending day by day . Africa and far east share 40 % established in 1947 and continued to dominate the commercial bank sector major market share in inward foreign remittance 55% and loan in small industries traders, and farmers .international operation were expanded to include the USA, Singapore, Oman, Belgium, Seychelles and Maldives and the Netherlands.HBL is currently rated AA (Long Term) and A-1+ (Short term). HBL is the first Pakistani bank to raise Tier II Capital from external sources.

My activitiesI have gain many knowledge and I done many activates in HABIB bank limited branch.

Filling account opening form Filling online slip voucher Filling deposit voucher Foreign amount withdraw ATM issuance ATM cancelation Cheque book issuance Filling locker form Account inquire Stamping Clearing

PART .1

INTRODUCTION OF HABIB BANK LIMITEDHABIB bank limited is a great leader in Pakistan service industry and network of 1425 domestic branches in Pakistan. And 55% international branches develop to meet the need of customer. H.B.L l established in 1941 at Bombay but history of H.B.L start in 1841 .when a young boy Ismail reached in Bombay for job. He got the job. he was very intelligent and hard working boy . Easily handle every problem .in a few month they became partner of his boss. Achieve every goals and target .they elected as a president of the market. Many years later during achievement his business expanded day by day. he an ganged in private banking so H.B.L established in Bombay in 25 august 1941 .this business start with fixed capital 25000 rupees This bank moved to Karachi after the creation of Pakistan, when quad azam Muhammad Ali Janna asked for moved bank in Karachi .HABIB bank limited established in quad city at 1943. It became progress for Pakistani people during the early year newly born state government face the huge problem of fund shortage. H.B.L helps the governance bank. H.B.L provides different services and fund for solving the problem. Internet banking used in all bunches. The strongest point of H.B.L provides great services to all type of customer. Therefore mostly customer attract with H.B.L.H.B.L providing different services like retail and commercial banking and H.B.L enjoy 20% market share in Pakistan. Mostly customer satisfied the service of H.B.LH.B.L plaza tallest building of Pakistan is the symbol of H.B.L leadershipOVERVEIW OF ORGANIZATIONHistory. HBL was recognized in 1941 in Mumbai (India) by Mr. Ismail HABIB. It was the first bank founded by a Muslim family in India. It was established with a paid up capital of RS. 2.5 Million. In the beginning the number of its branches was 12. HABIB Group was the owner of this bank up to December 31; 1973.At the time of creation of Pakistan, HBL had been even paying salaries to the government employees because the Pakistan government hat not adequate recourses. In 1974 Karachi saw its 1st commercial bank of newly formed Islamic Republic of Pakistan, when the bank shifted its head office there. Throughout the decades HBL has held the mantle of dynamic leader, by adding value to the lives of its customers. In 1997, Ministry of Financial hired a managing team including President Shaukat Tureen. In 2001 Government of Pakistan privatized the bank by selling 51% share to Aga Khan fund for Economic Development (AKFED).HBL management has so far offered Golden Hand Shake/voluntary scheme in 1997, 2001 and 2005 due to which staff strength reduced from 31099(in 1996) to 16314(in 2005).In 2006,it has 14572 number of employees. After introducing professional management in 1997, HBL succeeded from net loss of Rs 6.802 billion to profit of Rs.12.700 billion. In 2001, HBL introduced consumer products i-e Life Style, Auto Loan, Flexi Loan and House Loan. In 2005, it introduced Visa Debit and in October 2007 it has launched HBL Visa card. It has also extended consumer loans about Rs.40 billion to the customers. In 2005, HBL undertook the setting up of the Beijing Representative Office in Beijing in 2005. On February 22, 2006, the Beijing Representative Office was officially opened during the same month; HBL & UCCB signed a Memorandum of Understanding with the intention of further expanding HBL's presence in the CHINENS MARKET NATURE OF ORGANIZATION

Banking services were first practiced in ancient Lydia, Phoenicia, any Greece, where trade and commerce flourished. The temples in Babylonia made loans from their treasuries as early as 2000 BC. The temples of ancient Greece served as safe-deposit vaults for the valuables of worshipers. The Greeks also coined money and developed a system of credit. The Roman Empire had a highly developed banking system, and its bankers accepted deposits of money, made loans, and purchased mortgages. The first bank to offer most of the basic banking functions known today was the Bank of Barcelona in Spain. Founded by merchants in 1401, this bank held deposits, exchanged currency, and carried out lending operations. It also is believed to have introduced the bank check. Three other early banks, each managed by a committee of city officials, were the Bank of Amsterdam (1609), the Bank of Venice (1587), and the Bank of Hamburg (1619). These institutions laid the foundation for modern banks of deposit and transaction.Definition and purpose of BankBanking is the business of providing financial services to consumers and businesses. The basic services a bank provides are checking accounts, which can be used like money to make payments and purchase goods and services; savings accounts and time deposits that can be used to save money for future use; loans that consumers and businesses can use to purchase goods and services; and basic cash management services such as check cashing and foreign currency exchange. A broader definition of a bank isAny financial institution that receives, collects, transfers, pays, exchanges, lends, invests, or safeguards money for its customers.Banking services serve two primary purposes. First, by supplying customers with the basic mediums-of-exchange (cash, checking accounts, and credit cards), banks play a key role in the way goods and services are purchased. Without these familiar methods of payment, goods could only be exchanged by barter , which is extremely time-consuming and inefficient accepting money deposit from serves and lending he money to borrow bank encourage the flow of money to productive use and investment.

MAIN DEPARTMENTS AND THEIR JOBS (Product and Service line)There are three main departments in any branch of H.B.LGENERAL BANKINGFOREIGN EXCHANGEADVANCES/CREDIT

GENERAL BANKINGGeneral banking deals with following services:

REMITTANCEIt is transfer of funds. Funds can be transferred in shape of pay orders, demand draft, and mail telegram. Payments of fees of different organizations, fulfillment of tenders, and collection of funds are the main functions of remittance.

PAY ORDERPay order is the property of person/company that has to take the benefit of the amount being pay ordered by the concerned person. Pay orders are made for the payment of fees, tender or issued for the payments of dealings. These are required for the evidence of payments made between the bank and the customer in the favor of beneficiary.

DEMAND DRAFTDemand drafts are made for the beneficiary for payments, funds etc, these are made for outstation branches of the concerned banks. An advice is also made for the verification of the draft send. These are also approved and safe way of sending amount to the recipient.

PAYMENT OF PAY-ORDER AND DEMAND DRAFTPay-Order and Demand Draft both could be paid in shape of physical payment of cash and in case transfer of amounts; the amount could be transferred in the beneficiary account. In case of physical payment authorized signature of beneficiary are taken for the verification of amount being paid to him and in case of transferring of amount authorized signature of the beneficiary are checked and verified for reducing risks.

VOUCHERSVouchers are made for records and they should be completed in all respects, the amount, date, its head, particulars, amount in words, authorized signatures and contra advice or voucher should be present.

INWARD CLEARINGIt depends on those checks that are cleared inter branch and within the city. As the concerned branch receive any type of clearing check first of all physical checking is taken place. For clearing procedure there should be ONE day margin. These cheques have their vouchers and the amount of the cheque and voucher should be identical. Than these cheques are stamped and noted on receiving sheet as well as feed in to the computerized system.

OUTWARD CLEANINGIt depends on those cheques that are cleared outside the city. For outward clearing cheques are send because the home branch has their accounts but checks are of other banks. Contras of these cheques are vouchers that are recorded in the home branch.

PHYSICALLY CHECKINGFirst of all the cheque is physically checked.

DateIt should not be advanced of the latest date; date should be limited to only pastSix months.

AMOUNTAmount in which words and figures should be written in clear writing. Any kind of over writing and cutting should be prevented. Otherwise it would not be passed and returned to the customer.

PAYEES / BEARER CHEQUESIf the cheques are payees accounts head or they have marked bearer then these cheques are not labeled token.

VERIFICATIION OF SIGNATURESSignatures are checked as well as verified. In case of other representative of the account holder brings the cheque then two signatures of that person are taken.STAMPSAfter physical checking of the cheques they are stamped.

ISSUANCE OF CHEQUE BOOKSAny account holder that has opened the account he/she could credit his/her account and for this purpose there should be a cheque book, so he/she could be able to credit the needed amount whatever he/she wishes. For the issuance of the cheque book a person is advised to fill a requisite slip with his/her full names and the account number with two verified signatures, the account holder must put signature on specimen signature card that is scanned and verified. These signatures are checked and then another requisite slip prepared by the bank staff send to the NIFT, and it issues the printed cheque books after completion of the procedure in two or three days.Account holder can take it by singing on the issuance register or if the absence of the account holder another person could also take the cheque book only if he/she has authorized signature of the account holder. When the cheque books are issued they are feed in the computer system from the requisite slip so when the cheques are given for the credit/transfer of amount they could checked.

ISSUANCE OF ATM CARDSHead office issues ATM (Auto Teller Machine) cards with their PIN (Personal Identification Number) codes and when the customer claims for their ATM card they are checked from the list that is also issued from the head office, and the claim is checked from the list and if the name is found than the cards are issued by taking a signature and their PIN codes are given to them by taking signatures on their ATM card forms. The ATM card has been activated by the number provided at or with the specific card

HBL Phone Banking Your bank is just a phone call away. You can now call HBL Phone Banking and save a trip to the branch. Your query will be resolved in a single telephone call from anywhere and at anytime. For details on features and benefits

FASTER TRANSFER HBL Fast Transfer lets you receive your remittance instantly and absolutely free. HBL - Pakistans largest banking network - provides unmatched convenience and a confirmation SMS to inform you that your money is ready for collection

SALARY PLUS Turn to HBL Salary Plus to meet all your short-term needsSalary Plus is a facility which provides you with freedom to meet your immediate expenses with ease. Use this facility whenever you need and pay back at your convenience. HBL Salary Plus provides you with an overdraft facility on your HBL Salary account that allows you to draw funds against your assigned limit.

CAR LOAN HBL Car Loan helps you get your preferred car through a simple and hassle-free process, backed by superior service and support. Now you can drive a car you always wantedPERSONAL LOAN From quality education to a grand wedding to personal well-being, HBL Personal Loan helps you fulfill your financing needs. Get hard cash the easy way with HBL

ISLAMIC BANKING HBL Islamic Banking offers a host of Shariah Compliant services that cater to our diverse clientele. This is a testament of the Bank's dedication to serve our customers with products and services that suit their needs. Our services are certified by the State Bank of Pakistan and are fit to meet the requirements of any customer

Account depositHBL offers a wide range of accounts suited to meet individual customer needs

PRODUCTS OF HBL Auto finance Home finance Habib bank value debit card Loans Habib bank master card Habib bank lifestyle It also offers deposit products to individual customers such as Foreign currency accounts Car financing and loans Credit and debit cards Banc assurance Phone banking Money transfer Mutual funds.

Services OF HBL Corporate banking Investment banking Retail banking commercial banking

Corporate bankingCorporate banking is not available in all cities. Because it is a huge organization. Corporate banking group serve large institutional customer who require sophisticated product in environment of competition. The corporate and investment banking recognized as market leader. H.B.L head office in Karachi H.B.L ability to operate successfully in diversified market RETAIL BANKINGRetail banking is not huge organization. It is small organization available in all cities. The main purpose provide facility to customer And solve problem within time. This problem related to accounts and loans. The network of banking is 1425 branches and it core strength of HABIB bank limited. This network provides low cost deposit of any bank in Pakistan. People deposit money and property in bank for safetyCommercial banking . Enterprises operating in the middle market contribute significantly to the economy of a country. During FY-2000 HBLs management decided to address this issue. On November 1, 2000 Commercial Banking came into being .The objective of setting-up Commercial Banking was two-fold: First to stop the erosion of market share in the middle market Second, to regain the lost market share Commercial Banking is making headway with improvement not only in terms of the business figures but also in its ambiance. Renovation of is being carried out in order to give a professional look to all the Commercial Banking Centers .the main purpose of commercial banking is provide facilities to customers.

LIST OF COMPETITORS: Standard Chartered Bank Muslim Commercial Bank National Banks Allied Bank Limited United bank Limited Bank al-Habib Faisal bank

Values of HBLHumilityWe encourage a culture of mutual respect and treat both our team members and customers with humility and care.IntegrityFor us, integrity means a synergic approach towards abiding our core values. United with the force of shared values and integrity, we form a network of a well-integrated team.MeritocracyAt every level, from selection to advancement, we have designed a consistent system of human resource practices, based on objective criteria throughout all the layers of the organization. We are, therefore, able to achieve a specific level of performance atevery layer of the organization

Team Work:Our team strives to become a cohesive and unified force, to offer you, the customer level of service beyond your expectations. This force is derived from participative and collective endeavors, a common set of goals and a spirit to share the glory and the strength to face failures together.

Culture of Innovationwe aim to be proactively responsive to new ideas, and to respect and reward the agent, leader and creator of changed

MISSION STATEMENTTo make their customers prosper, their staff excel and Create value for shareholders.

Vision statementTo be the premier organization locally and internationally that provides the complete range of financial services to all segments under one roof.

SWOT ANALYSISThe acronym SWOT stands for a firms internal Strengths and Weaknesses and its external Opportunities and Threats. The reason of such analysis is to build on companys strengths in order to utilize opportunities and oppose threats and to accurate companys weaknesses. SWOT analysis is supported on the assumption that if managers cautiously appraisal such strengths, weaknesses, opportunities, and threats, constructive strategy for ensuring organizational success will become obvious. The SWOT analysis of HBL is as follows:

STRENGTH HBL has very effective and efficient network of branches all over the country. HBL is a well set upped bank enjoying long history of over 65 years of experience and profitable action. Every 10th Pakistani is A/C holder of HBL. It has made huge investment in almost all the economic region of Pakistan. HBL not only has made investment in industry but also in small level industry as well. HBL was the first privatized bank that gives it a border over other nationalized banks as it can develop any plan consistent with the demand of market and free from any political or technical influence. HBL is the largest private bank in Pakistan now and people belief is very high. HBL is the market leader in introduction of e-banking and it has the foremost ATM network in the country. HBL was charged the best conjugal bank for two Consecutive years of 2000 and 2001 by Euro money, A leading international publication. HBL has the ability to bring innovative products and services like personalized service, electronic funds Transfer, sophisticated fiscal products such as electronic banking, auto-teller machines and evening banking. HBL has been very efficient in controlling costs as it successfully rationalized itself after its privatization. During this process more than 1,600 employees were reassured under a golden handclasp scheme and 110 branches were closed.

WEAKNESSES No consumer banking has offered by the HBL to its patrons like phone banking, evening banking etc Bad debt rate is very high; no special effort has been made to recuperate the bad amount. No marketing set up or structure is there. Most of people do not know how they have to endorse there activities. Mission of HBL is not well definite. Now as it is a privatize bank that is why GOVERNAMENT support to HBL decreased as it was in past. Most of the employees lack executive training as they are not properly educated. Due to superiority, they have moved up on the hierarchy line to Grade- I, II or III positions having hardly bachelor degrees. This type of senior staff cannot apply the modern and pioneering techniques of management in decision making. HBL is not rapid to give loans and cards. Not straightforward application is for applying for a credit card. They are not high risk taker In business activities but in business the term is used high risk high profit, low risk low profit Too much poor Self Marketing Department. Low inducements like bonuses overtime pay etc

OPPORTUNITIES It can introduce debit card system or may alter the existing ATM cards into a complete debit card. New products like personal loans, advance and auto hiring and cash management which diversify credit risk and add to revenue generating products, are presently provided in big cities like Lahore, Islamabad, Karachi, and Rawalpindi, these products may be tested for success in other small areas of PAKISTAN in different provinces. HBL may develop its Rupee Travelers Cheques (RTCs) sales by searching for new market niches. As all around the world remittances of money are severely monitored so as the money remitted may not fall in hands of so-called terrorists. For that all conservative money laundering through Hundies have been stopped, there is an opportunity for HBL to extend its branch network to various countries emphasizing mainly on introducing electronic fund transfer facilities. The opportunities accessible for HBL are financing to SMEs (Small and Medium Enterprises) in Pakistan. Attractive salary encloses should be awarded. Marketing department should be started in order to endorse the name of HBL. On the job training & instruction sessions can be conducted.THREATS The Rupee Travelers Cheque (RTC) sales volumes may be exaggerated on account of regulatory constraint imposed by SBP on issuance of large value denominations. The recurrent reduction on 6-month and 12-month Treasury Bills discount rates by SBP may create strain on the banks profitability. The low discount rates are also negatively influencing the proceeds rates which may influence the banks profits from the other side. Day by day antagonism is increasing not only of the growth of the banks but also due to the launching of the new bank in the market e.g. Barclays. Circumstances of Pakistan are a great threat for the survival of the HBL. More and more banks are launching there operations in Pakistan which is increasing competition for the HBL. The conservative banks those having high growth pace and high market share are always being a threat. Large business parties have less attraction in being a patron of BAL-IBD, mainly because of extreme amount of documentation.

PEST ANALYSIS AND ENVIRONMENTAL SCANINGA broad view of market is important when management is interested in introducing better services for customers. Rapid technological change, global competition and the diversity of buyers preferences in many markets require the constant attention of the market vouchers to identify promises business opportunities, see the shifting requirements of the buyers, evaluate changes in competitors positioning and guide the choice of which buyers totarget and classify them according to respective segments .Identification of external and macro factors that influence buyers and thus change the size and composition of market overtime involves initially building customer profiles. These in fluencies include: Political and legal environment Economic trends Socio cultural environment Technological factorsPOLITICAL AND LEGAL ENVIRONMENTBanks are strongly affected by the political and legal considerations. This environment is composed of regulatory agencies and government law that influence and limit various organizations and individuals. Mostly these laws create new opportunities for business .Business legislation has following main purposes to protect banking companies from unfair competition. Protect consumers from unfair business practices adopted by banking companies To protect the interest of the society from unbridled business behavior.ECONOMIC TRENDSA banking market requires better consumer market in volume along with higher borrowing power. The available borrowing power depends on. Consumer income Saving rates Consumption patrons Rates of interest Budget deficit Exchange rates Cost of living Inflation

SOCIO-CULTURAL ENVIRONMENT A society is shaped by beliefs, norms and values. People in a society consciously and unconsciously interact with: Themselves Organization Society Nature Following are the main factors. Which arise because of change in socio-cultural environment? Consciousness about services Concern for environment Improved customer relation

TECHNOLOGICAL FACTORS Forces of technological advancement have played the most dramatic role in shaping the lives of people. The rate of change of technology has greatly affected the rate of growth of economy. New technology is creating deep rooted affects.

HBL has the largest domestic branch network with over 1,500 branches and 1,000 ATMs and is present in 25 countries

Head Office Habib Bank Plaza I.I.Chundrigar Road Karachi-75650, Pakistan. Phone: 021-32418000 (50 lines) Fax: 021-39217511 Registered Office4th Floor, Habib Bank TowerJinnah AvenueIslamabad, Pakistan.Phone: 051-2872203 & 051-2821183Fax: 051-287220

Introduction of all departmentsGENERAL BANKINGIn this department general working is done like account opening customer service etc. voucher filings for different kinds of instruments.Clearance departmentsIn this department cheques are cleared inward and outward clearing is done. All the cleared cheques are recorded in system of bank.Remittances In this department foreign payments are made via different remit expresses.Customer services Customer is provided by different kind of services in this department like account opening, guiding customers, information providing to different customer etc.Comments on the organizational structure H.B.L has a good and ambiguous structure in which no any kind of faults. Employee who are works in there are very punctual and effective. Everyone has a task to achieve his goals in my point of view H.B.L is best bank in all bank

Part-IIInternee workIntroduction of internee branch The bank where I did my internship is HABIB bank limited. it is situated in Gujarat city Railway road branch. This branch is located in center of city due to this it is very suitable for doing all type of bank transition this branch is dealing in following services. This branch provides account opening facility to customer. This branch provides locker facility to customer. Loan facility provide to customers Customer easily deposits money for safety.

This bank near to market therefore businessman and trader can easily transactions in this bank. This branch lactation is very nice. Staff of this branch is very supportive and co-operative. This branch gives facilities to customers. Mostly people attract to H.B.L The behavior of H.B.L staff is very good. All staff is very co-operative and friendly. Especially sir tamoor Khalid is very intelligent .have a good guiding method .give me some important information related to branch. Through this I learn some key points for working as an internee; during my internship sir tamoor is very co-operative with me. I feel very happy doing internship in HABIB bank limited branch. Give me some amount as reward when my internship is complete. Account opening in one week. Cheque book issue in 10 days and ATM card issue maximum 15 days. All staff treat customer in very effective way behavior and attitude is very excellent when deal with customer. This branch having strength, weakness opportunities, , and threats . These branches near to main market having good point for earn profit because businessman and trader go for transaction with bank. All area is profitable for bank. H.B.L provides facilities to customers and mostly customer attract with HABIB BANK LIMITED.

Internship OverviewInternship Start 10th July2013Internship End 22nd august 2013Duration 6 Weeks

Internship policyThe main policy of H.B.L treat to customer is very effective. And provide all type of services. I spend 6 week in H.B.L and I learn many informative knowledge practical and gain key point. I learn who loan facility provide to customer, account opening, transfer of fund , ATM issuance, cheque book issuance , balance cheek , different type of voucher filling. And bank statement etc. I can say that helpful information gain for fulfill the requirement of report. I am much thanked full the staff of H.B.L provides me pervious data. H.B,L is an organization deal with customers . first hand data are called primary data this data composed by branch manager and H.B.L staff .second hand data gain my modern technology H.B.L website and other link related with H.B.L

DETAIL SUPERVISSIONBRANCH MANAGERThe manager of this branch is qazi Muhammad Khalid support me during my internship. Different works assign me and cheek my activities. All work who assign me complete in effective way. Branch manager was very happy to cheek my all work. Muhammad Ilahi Nabi is head of this branch and responsibility is very high. Branch manager cheek the work of employees .if any employee face problem related to work then branch manager help for solve the problem. Branch manager deal with all type of people and customers behavior of MR Muhammad Ilahi (branch manager) is too good

THE TELLER MANAGER SIR Tamoor Nabi. Under the supervision of supervisor I have done activities Cheek book issuances Foreign currency return ATM supervisor ATM pin holder B-cheque issue Daily voucher checkingIssuance of chque book,During my internship I learn issue of cheque book sir tamoor perform this duty and tell me every detail who issue of cheque book. The bank issue cheque when customer open account in this branch. If cheque book finished the account holder request for new cheque book. They fill slip for new cheque book and submit in bank after some days cheque book to account holder. The account holder name account no mentioned on cheque book. When cheque book give to customers following information recorded to register. Account number Title of account Date of issuance No of page tart to end During internship I learn informative knowledge and things which helpful for future job. Sir tamoor is very good guider. His guiding method is supper. Each and every point tells me very detail. I am very happy to join HABIB BANK LIMITED BRANCH CODE (1231) ISSUANCE OF ATM CARDThe ATM card stands for (auto teller machine) customer use for withdrawing amount. Head office issued the card of the request of customers .name of the person written on ATM CARD. ATM CARD applied any people who have account in bank. And this card issued on the request of customer. No requirements for issuance card .this card issued after fifteen days. Record kept on register for audit. When customer receives ATM CARD next process is activation of ATM CARD. It is very easy process. Head office activates the card. Customer follows the instruction for card activation. VOUCHER CHEEKINGVoucher is used for minted record. This voucher show complete conditions and terms. Like signature, name and date .this voucher is used for record. Therefore it should be complete in all respects .for voucher filling amount in words and figure, date and signature is mentioned in voucher. If anything is missing voucher is not acceptable .if any mistake it is returned. And checked by operational manager and make it clear. CANCELLATION OF ATM CARD ATM CARD can be cancel by some following reason. If card stolen, pin code forgotten, card date expired, accountholder died and there is no other of operate of account etc. if this type of case arise than card may be blocked and customer cannot use the card. Sir zafar iqbal (Assistant manager)Sir zafar iqbal (assistant manager) is clearing officer and clear the cheque inward and outward clearingINWARD CLEARING Inward clearing mean intercity clearing not take much time clearance. It is goodwill for bank because other bank cheque came for depositing. When cheque came in bank after stamping cheque sent to NIFT for clearance. If any mistake arise in cheque than cheque may be returned. If all cheque clear than both bank make adjustment of their account.

OUTWARD CLEARINGFor outward clearing. Maximum 24 hr for clearance . Stamp check on cheque if any stamp is missing than cheque is not clear and sent to the branch or bank to which it may belong.CHECKINGDateThe date should not be pre and post date a certain limited of date for clearance cheque Amount Amount should be mentioned in clear words and figure. Spelling should be correct if any figures mistake amount or amount not clear than cheque is not accepted.Verification of signatureTwo signature of that person for taken for future verification. If signature is not match cheque is not clear. Stamp Three stamps used in clearance. Date stamp, bank stamp, crossing stamp.Learn many things and gain skill and knowledge .sir zafar iqbal (assistant manager) told me about inward and outward clearance Sir Khalil tahir (Assistant manager) Balance checking Online voucher filling Filling account opening form, Voucher deposit slip I also work with assistant manager and seek who open account and who check the balance, filling online voucher and deposit voucher

Weekly timetable 1st week Task assigned My first task to learn employees behavior how deal with customer. and how employee spend time to deal with each other. And I learn how deal with customers. Computer system is used for balance checking and attends calls. I learn how give answer all calls when any customer should know about account balance. When customers first time enter in branch not know about terms and condition of this branch like norms values of bank. I learn who guide this type of customers. Early morning each staff member has to b there in branch on time at 9am and closing time is 5.30pm. My first week spends to perform these duties like calls attend, balance checking, in computer system. I learn many duties and attitude in proper ways. I learn who deal with customers in proper manner. All staff help me to learn everything and very co-operative with me. Sir khalil tahir sindu tell me about who balance check in computer system. This week develop confidence and scene if any problems are creating who handle in very effective way. I learn many more things when practical works assign me. Confidence built during internship and in this way all information related to accounts I convey with accountholder. I also learn who providing services and necessary information to customer within maximum time 6 mints. 2nd week During second week of internship the practical work start with filling voucher for cash and cheque. When the voucher filling name of accountholder, account number, branch code must required and date mentioned in top of the voucher slip , when depositor came for depositing amount .the amount mentioned in figures and words. Signature of depositor must mentioned in voucher slip whether it is current, saving or fixed account or amount is in cash or inn cheque form. The contact number of depositor must write in voucher form when amount mentioned in voucher. The staff members can contact in case of mishandling and misunderstanding of amount deposited or if any any other problem create during deposit money. In case of cheque number of cheque and name of bank is written in voucher slip .This deposit slip given to clearing officer for stamp. After clearing deposit slip amount transfer in beneficiary account and in this way amount move in very proper manner. The branch staff contact with customer and given necessary information and service .when accountholder become regular customer and in this way customer satisfied with branch. l learn many things for filling voucher slip . In 2nd week too much knowledge gain about bank. More confidence built in this week.

3rd week Task assigned For the third week task given me to fill the online voucher for this purpose form is required and this form available in bank .first of all date is mentioned in voucher. Customers make payment in cash or cheque. When customers make payment through cheque then account no mention in voucher slip. The branch code and account number is verified before written in voucher slip and charges deduct from the account of sender. At the last name address contact number mentioned on form. When customers make payment through cash then all detail mentioned in voucher slip. Name, CNIC no, contact no. CNIC expiry date mention that send amount other city. On other hand every detail mention who received money detail like name, city name etc. when all detail mentioned in voucher slip. At the end signature must show on voucher. When the amount transfer all amount is taxable .total charges is 348 rupees in every transaction .when Amount transfer in other city 348 rupees charges on whole amount. No extra charges deduct from sender only a settable value charged if amount send by cheque. Sometime charges are no deducted from those customers who are much respected for bank. If customers have freedom account then no charges deduct from amount. In this way voucher slip fills. Photocopy of sender CNIC attached with voucher form. When everything is ok then voucher form give clearing officer for stamp .it take limited time for clearing maximum 24 to 48 hours for clearing when everything is right then amount transfer to beneficiary. If amount is in sufficient in account of sender or any other problem occur to cheque. When this type reason arise amount are not transfer .it is returned and this issue registered with specific reason. If demand draft is need to be sent then same type of form use and settable amount charged. The name of benefericry and branch code mentioned. Simply we can say that online voucher use for sending money in different cities. It is very simple procedure for sending money in other cities .during internship the 3rd week is very energetic for me and a lot of knowledge gain and self-assurance level up.

Week 4Task assigned In fourth week during my internship I learn clearing inward and clearing out ward. The Cheque is cleared with NIFT. This is an institution where cheque is cleared. Three stamps required for inward clearing. First stamp is crossing stamp, second stamp is date and the third stamp is bank stamp .this stamp mentioned name of the bank. All cheque stamped in very proper and effective way. All cheque packed in envelope in very appropriate way which is specially provided by NFIT and send to NFIT. These cheques sent to NIFT for clearing. One branch of NIFT is built in Gujranwala. And main organization in Islamabad It is authorized by state bank. Outward clearing three stamps is use first stamp is date second stamp is crossing third and last bank to which cheque is belonged are required. If any stamp is missing cheque is not clear. For clearing three stamps is must. Time for inward clearing is 9am pointed. All cheque given are given to agent of NIFT .after all day working the all cheque given for out ward clearance .for this purpose all cheque given to agent at 3pm . Envelop are use all cheque packed in special envelop. And this envelop is used for security of cheques. These envelope having special lock and keys and this lock and key cannot use other person only NIFT knows key and lock. Some cheque are returned with some defect or some special reason like insufficient balance in account, date is expired of cheque or predated cheque, any stamp is missing ,signature is not cleared or not proper when stamp not mentioned in proper place etc .cheque is not cleared. My fourth week is very active for me. I learn many new things in this week.

5th week Task assignedIn fifth week of internship I lean who filling the opening account .accounts are different types like freedom account, current account, profit and loss account, BBA account, saving account etc. all accounts open with different amount. Current account open with minimum 5000 amount no profit and loss charged on current account and zaakat is not deducted on this account. BBA account open with minimum 1000 amount and this account used salaried based person. Freedom account open with 25000 amount and target for business community. Money club account is used who person having age less than 18 year. This accounts open with father and mother. For opening this account birth certificate or b form is used. Zakat deducted on profit and loss accounts. Profit charged on profit and saving accounts. ID CARD of the person and utility bill is important for opening account who wants to open account in bank. For uneducated person when came for opening account three photo is important and CD50 form attached with opening form. Main point what type of account open and in which currency. Its person chose for ATM card. If more than one person who wants jointly account open is called joint account. For opening account ID CARD of both person and if person has own business are doing job than any kind of evidence is needed for opening account. Every detail written on form like contact number ,ID CARD number, permanent address, present address, mail address, are Witten on form. When person accept all rule and regulation signature are taken on specimen card. Signature should be same with ID CARD signature. If person wants to change the signature application is written for changing the signature. ATM CARD applied on the request of customer. Account open after one week and record in computerized system. Cheque book issue on seven week and ATM CARD issued to fifteen days. For activation help line number and pin code is given to customers. Pin code handover only account holder and customer is able to operate card

Week6 Task assignedIn sixth week during my internship next task assigned me. I learn who payments with other countries, H.B.L receive payment in different countries like U.K, USA, SUDI ARABIA etc. particular code given by sender. This code signed in computerized system according the money express in this way money is transferred. If money is transferred than computer show different and essential aspect like name of beneficiary ID CARD date of issuance, expiry date, all detail mentioned in computer system. if all necessary detail match with computerized detail than amount given to person who want to declare for money . When every detail matched with person detail than amount is given after signature. Signature is taken for proof and any evidence. Locker facility available in branch code (1231). Locker facilities provide to customers and fee charged on this service. Locker provide to customer who have account in branch. Three type locker available in this branch like small lockers, medium lockers. Large lockers, charges are different all lockers. When locker facility provide to accountholder a settable amount (3000) charged as refund when accountholder secure this facility amount is refund on this time. A register kept for recording locker number. New check book issue after filling requisition. SIR Tamoor Khalid performed this function very efficiently. Guide me and tell me every detail about this service. Mostly locker facility provide to our regular customers. Sixth week is very energetic for me. And I learn huge knowledge and gain skill and experience. This week is very effective for me. 5.4.4 Detail description of departments along with performed activities I chose H.B.L BRANCH CODE (1231)for internship and I start work in H.B.L branch code (1231) this branch having different department .i have worked in all department like clearing department, customer service department ,general banking , and foreign remittance department. I explain every detail when I work in customer service department .I earned who deal with customer .who satisfied to customer and who attract the customer with H .B .l. HOW provide all information and services to customers. And who inform the entire customer about banking services. Employees having some special skill because banking sector is not easy it is very difficult process .people are not aware about banking sector. People not having know how about banking system. sometime difficult and critical point arise in banking system The service are H B L is too good .but H B L should more development because it has many competitors like MCB .NBP ALFALAH and other bank that hare good facility and services but it still doing good in the economy .it achieve best banking award in customers service department . I learn how satisfy the customers and how love the customer problem which relate to services. How person came for remittance and having no account that convince this type of customers for opening account. For this purpose telling benefits of opening account in banks and tell all services in this way we we can attract the customers. Clearing departmentI have learned about clearance. Two type clearances inward clearing outward clearing .three stamp are used for this purpose and mentioned in computerized system. Internee has no asses for entry in computerized system because it is not allow by head office. Internee has no permission for used computer. Only branch staff used computer and put entries. Officer only make entry in computer system. Internee allow see carefully. When any cheque is debited the amount decreases from the account cheque belongs. Three stamps are used crossing stamp, date stamp, bank name stamp. All cheque sent to NIFT. This is an institution where cheque is clear. Some cheque is returned when some mistakes arises or defect, if any stamp missing or balance is insufficient in account. And record on register with some specific reason.Remittance departmentI have learned withdraw amount from other countries like U.K USA etc. assistant manager sir syed iqbal zafar told me who amount withdraw from different countries. Specific amount used for withdraw amount. Receiver has special code when this code matched with the computer code than amount is given to receiver. For this purpose original ID CARD and photocopy of ID CARD must for withdraw amount. If id card is expired than payment is not made. When a specific code enter in computerized system than name of beneficiary , ID CARD number, date of issuance, expiry date all detail mentioned in on the screen of computer system. Automatically all detail show when specific code enters in computer. After verification amount is given to person who claim for amount. I learned account opening form when account open and information and detail gain from customers all detail that is necessary for opening account. Some important document attached with form. Specimen signature is used for signature. title name of parson, ID CARD number, phone number is written and signature mentioned on specimen card. ID CARD COPY, utility bill attached with form. If uneducated person wants to open account than three photo and CD5O form attached with form and record in computer system.

General bankingI learned voucher filling this procedure assigned me during my internship. Voucher filling for cheque and cash. For depositing voucher name of the person, date, and contact no mentioned in voucher. For cheque bank name and cheque no written on voucher. Any mistakes arise in voucher filling than voucher is rejected. Online voucher used for transfer of money in other cities. Photocopy of ID CARD attached with online form. Contact no written on form if any problem arise than staff member can contact with customers. Balance checking is also included in general banking. Balance cheek on computer system. All department work very efficiently. During my internship I have learned knowledge and gain skill and experience. All staff is very co-operative and helped me during my internship. All staff member told me who performed all duties. And in this way I performed all work very efficiently. In short we can say that I learn huge knowledge from bank knows about banking system who performed work and who manage every problems. Bookish study only gives knowledge but practical work give skill and experience. I am very happy to join H.B.L Branch code (1231)

5.4.6 Learning Summary Skills and qualifications from the internship I learn a lot of knowledge from bank bookish knowledge is not sufficient for good job. Attitude and behavior is necessary for good job. And behavior is important part of job. Learning is necessary in real life. Bookish study gives only knowledge but practical work gives great skill and experience. In this way we know about banking system who deals with customers. . All detail and information gain by bank. And gain huge knowledge skill and experience. I am very happy because this all knowledge and experience is profit full for future life .knowing about norms and value of banking. In his way I followed rule and regulation and behavior adopt in personal life. I take keen interest in all banking work. The purpose of internship is getting knowledge and experience. in personal life bookish study only provide knowledge but practice and experience only gain when we perform work in real life when doing job any department. Bookish knowledge gain for degree and getting grade .the activities of educational department is different as compare to working place so we can say that internship involve practical work and in this way we gain knowledge and experience and skill for doing work. All things is helpful for future life. .this experience and skill not gain in any institution. Norms and values of every organization are different so learning is most important for doing job. When we doing job in any organization our wish for higher position. It necessary for everyone .so training is most significant customer. . Who deal with customers? Who satisfy the customers? This type of things is helpful for future job and public dealing. Because many people are illiterate and they do not have knowledge about banking sector. So I learn who handle this type of customers. I gain many new things for convince the illiterate people and create positive image the mind of customers. Because CUSTOMERS IS KING so satisfaction is very important. In our country people is not aware about banking sector.In short I learn many things during my internship. And my internship is very good for me because information gain about banking sector.

Impact of internship on your lifeThis internship is very effective for me because knowledge and experience gain during internship period. The main objective of internship to gain skill and experience .practice is most important in real life rather than bookish study. I learn many things during my internship and I expect this practice and skill is profit full for me in future life. When we doing job in any organization. Internship period is very important in future life. Because new things gain though practice. Who not gain though bookish knowledge? The main purpose is to learn attitude and manners. Professional skill attain when we doing work in any institution. Rule and regulation of all organization is different. So practical work is most important for achieve higher position in organization. Now a day all organization want experienced and skilled person .internship period give training to young generation and provide all detail and information about banking sector. It shows what kind of abilities gain and who performed work very well. And what types of behavior adopt for dealing. Improvement is important for ding good job. But in my view banking job is very stress full job because working schedule is very tofu. Big problem create if any mistake arise during work. Employees all time active for work. Therefore stress create and employee doing work in stress. It is not easy job because one figure mistake or any other small mistakes can you to decline. And not create positive image in the mind of other authority .in this way result gain in negative form. Banking job is very difficult as compare to other jobs. Banking job is totally computerized system. Competition arises among bank. So we can say that banking job is very complicated job. Only person perform who have know how about bank. And know who performed practical work. In this sector small calculation matter a lot. In short internship period is unforgettable for me .during internship good experience gain and it outstanding in my life.

Internship correlated with your classroom knowledge.Many activities performed in classroom. If compared with banking system. I think classroom activities is totally different or opposite to banking sector. Many activities performed in bank is very good and knowledgeable for me. I am very happy to join H.B.L and I enjoyed very much when branch manager assigned me some task. I performed all task is very effective way. I think classroom activities and bookish study is very important and helpful for banking sector. Because classroom study provide knowledge about banking sector. We can say that book study is very helpful and provide good material but in real life when we perform work in an institution. We need to learn rule and regulation of institution. Book knowledge not provides rule and regulation of any institution. We need more practice for performed any task and seek rule and regulation. . We can say that book studies only teach but in real life practice is most important. and in this way performed different duties knowing about norm and values of the organization.

Conclusion of the reportMy duration of internship period in bank and I perceive the following conclusion .HABIB BANK LIMITED has perfect symbol system. Which provide great facility provide to customers and it is effective for everyone? . The bank provide supper environment for charming job. The pay low rate of interest on deposit therefore customers are attached with this branch .different facility provide to customers and in this way customers are satisfied with this branch. Report are written document or prove who show about bank history and detail in this way know about internee work. When internee going for internship and seek knowledge and practical work. All learning period mentioned in this report. We can say that internee seek knowledge and having ability to write down everything and know how about bank. HABIB BANK LIMILED working in provide sector. It has good reputation but other banks increased day by day. And competition arises among banks. This branch has good image in the mind of customers .people are satisfied with this bank. It provides different facilities and performs function. Therefore customers are very attractive with HABIB BANK LIMITED if as compared with other bank. All private sectors is very good f compare with nationalized sector. So that may b reason of bank success.

RECOMMENDATION There should be authority in every region which ensures efficient flow of communication and its understanding. HBL should target the middle class to enhance its market share. HBL should immediately take brave steps towards the welfare of experienced. The management should try to decrease job insecurity among the employees Training program should be started for internees and newly appointed employees. The bank charges high service charges as compared to the other banks, so these should be lowered down. HBL should recruit from all the universities. Written test should be Compulsory for all the fresh graduate Surveys must be conducted regarding customer satisfaction level and all employees of this dept. should look forward to getting feedback whenever possible. Adding of value added features that offer competitive advantage is also a means of avoiding customer dissatisfaction. HBL should offer more jobs to the players. H.B.L should use Human Resource Inventory System. Assessment centre program should introduce in selection Process. HBL should help grow the industrial activities by financing industrial sector. It will help to create more jobs..

References Book News Letters Magazines of H.B.L Annual Report of H.B.L 2008 Website:www.H.B.L.com.pk website ;www.google.com.pk website ;www.wikipedia.comReferences. http://en.wikipedia.org/wiki/Economy_of_Pakistan http://www.sbp.org.pk/reports/annual/arfy09/annex_index.htm http://en.wikipedia.org/wiki/Muslim_Commercial_Bank http://www.blurtit.com/q501915.html Annual ReportBIBLOGRAPHY www.h.b.lbank.com.pk www.wikipedia.com www.google.com