Internship Report

INTERNSHIP REPORT
UBL LAYYAH BRANCH CHOBARA ROAD
PRESENTED BY:
MR. AHMAD MUSTAFA SHAH

ROLL NO. 48
M.B.A Evening
5th semester
SESSION 2010-14
Submitted to:
Mr.Rashid Saeed
DEPARTMENT OF BUSINESS ADMINISTRATION

BZU BAHADUR SUB CAMPUS
LAYYAH
Internship Report
ahmedkazmi89@hotmail.com
Page 1
AUTHORIZATION.
The Department of Business Administration B.Z.U LAYYAH arranges MBA Program
for the students all over the country. In this program the students participate by
theoretical and practical education in the subjects of Accounting, Marketing,
Management, Computer and Finance. In order to provide an opportunity to the students
to apply their theoretical knowledge in the practical situations they are asked to visit
various well-developed organizations.
Dedication:I dedicate my report to branch supervisor and operational manager who supported me
and courage me in the financial analysis and other necessary postulates belonging to my
internship report and also to my parents who always give courage to me, raise my
confidence and teach me to never lose heart.
Internship Report
Page 2
ACKNOWLEDEMENT
Every praise is due to ALLAH alone, the merciful and peace be upon his PROPHET who
is for ever a torch of guidance and knowledge of humanity as a whole.
Under such operating environments, it was well nigh impossible for me to accomplish the
assigned task, had timely, valuable and valuable guidance of my honorable guidance of
my honorable teacher Business Administration Departments Teachers were available. I
am highly indebted to their generous guidance and right kind of direction, which set the
pace for initiating a reasonable report. I am sincerely thankful to the management of UBL
who made our task much easier by providing the relevant input.
Internship Report
Page 3
EXECUTIVE SUMMARY
United Bank Limited is a leader in Pakistan's Banking Sector. The Bank is also a pioneer
in introducing ATM facility in Pakistan.
While doing my internship at a big corporate branch of the Bank, i felt some problems
while applying my theoretical knowledge in account opening and ATM department so i
descussed this issue with the senior Management of the Bank and offered them to design
a system for two functions in operational area nalely:
Account opening system.

ATM card maintenance system.
The management encouraged the idea and I after a thorough analysis and investigation of
the present system prooesed and designed a program, which was exactly as per
requirement of the users. This helped the Bank personnel to save their time and provide
better and faster services to their customers. The system was developed with the help of
the programs and it ran and functioned quite successfully.
The most important issue i.e security of information technology in banks has been
discussed in detail. After studying the I.T processes in the Bank, valuable security
controls regarding physical environment, access rights, prevention against viruses and
back up and contingency plans have been suggested.
Certain flaws of organizational activities in different departments of the Bank have been
pointed out with special reference to marketing policies, management and personnel of
the Bank. Suggestions for improving the deficiencies have bee explained in the report.
Internship Report
Page 4
TABLE OF COTENTS
Introduction to All Departments
PAGE NO
1
My week wise activity while working as internee
Impplication of Class room learning in organization
Task Assigned to me During Internship
Financial Analysis
SWOT Analysis:
13
PEST Analysis
16
Intiative take as a manager there
18
Suggestion
19
Introduction
to
All
Departments
The Bank ascertains the following departments
1. Current department
2.Remittance department
3. Clearing department
4. Accounts department
5. Credit department
6. Cash Department
7. Human resource Department
1.Current Department:
Internship Report
Page 5
The current department keeps all rules and the revolutions of the account and the account
holders like the account name,Account holders number and the home address.This
department also releases the new accounts.This department contains the three types of
accounts which are current accouts,saving accounts and the fixed accounts.The mark-up
amount to be charged on the accounts of the customers also declared and calculated by
this department.
2.Remittance department:
This department is involved in transferring money from one place to another It is the best
source for the people living abroad to send money to their family members.The process is
undertaken after some steps involvingthe transaction.The Demand draft and Telegraghic
transfer are the most popular kinds of the remittance.
3.Clearing Department:
The clearing department directs the conformation about any cheque or slip related to
transaction with the same branch accounts or the other ones present in the city.All the
Banks involved in the clearing are authorized by the clearing department to make any
transaction between the accounts.But the cheques of the banks in other cities are not
cleared by any clearing department.
4.Accounts Department :
The main work performed in the Bank is account opening.so the tasks of Accounts
departments are very vital and valued for the generation of deposits.There are two major
types of accounts Current Account and the Saving Account.The saving account is usually
opened for the home remittance and for the salaried persons more likely while the current
account is usually opened for the business men and the medium base organizations.The
other types of accounts include Bussiness Account,Joint Account,Basic Account,Behtar
Munafa Account,Reward profit Account etc.
5.Credit Department:
The credit department involves to provide loan to the clients against the pledge or
security.The loan is approved after completing different steps.The inspection and the
verification is undertaken by this department relating to the financial power and ability to
return the debt.
6.Cash Department:
The Cash department is very integral part in the Banking sector and has its differential
Internship Report
Page 6
place.The payments made by the Bank and received are undertaken by the cash
department.This department also collect the utility bills for the Gepco,Sui Northen and
Ptcl.
7.Human Resource Department:The HR department controls all the activities related to the staff members employees.Any
dispute occurred in the management is handled by this department.This department hires
the employees and also decides to fire The employee rights protection and the
environmental safety are included in the duty of the HR department.
My week wise activity while working as internee:

The opportunity for the training was my foremost step in the practical frame of work
During the training I was being asked to fulfill some tasks along with the different
assignments given to me for developing the working skill in me.I found some difficulties
in the starting portion of the assigned tasks but gradually I became familiar with the
things and I felt comfort in doing the tasks for my Organization
As a internee in United bank limited I spent my first week in current
department.where my activity was keeps all rules and the revolutions of the
account and the account holders like the account name,Account holders number
and the home address.and also releases the new accounts.
As a internee in United bank limited I spent my second week in remittance
department where my activity was to transferring money from one place to
another It is the best source for the people living abroad to send money to their
family members.
As a internee in United bank limited I spent my third week in clearing department

where my activity was to transferring money from one place to another It is the
best source for the people living abroad to send money to their family
members.The process is undertaken after some steps involving the
transaction.The Demand draft and Telegraghic transfer are the most popular kinds
of the remittance.
As a internee in United bank limited I spent my fourth week in account
department wher my activity was to performed in the Bank is account opening.so
Internship Report
Page 7
the tasks of Accounts departments are very vital and valued for the generation of
deposits.There are two major types of accounts Current Account and the Saving
Account.The saving account is usually opened for the home remittance and for
the salaried persons more likely while the current account is usually opened for
the business men and the medium base organizations.The other types of accounts
include Bussiness Account,Joint Account,Basic Account,Behtar Munafa
Account,Reward profit Account etc.
As a internee in United bank limited I spent my fifth week in account department
wher my activity was to involves to provide loan to the clients against the pledge
or security.The loan is approved after completing different steps.The inspection
and the verification is undertaken by this department relating to the financial
power and ability to return the debt.
As a internee in United bank limited I spent my sixth week in account department
wher my activity was to payments made by the Bank and received are undertaken
by the cash department.This department also collect the utility bills for the
Gepco,Sui Northen and Ptcl.
Impplication of Class room learning in organization:

I have seen many of my classrooms learning to be applied in United bank limited In
finance all the procedures were same as I have read and exercised in accounting & fianc
in the Accounts department I performs the following functions Prepare and maintain the
vouchers.Maintain and update the ledgers for term deposits.Update general
ledger.Prepare different periods statements. And also maintained to keep the record of
daily receipts and daily paid vouchers. Cashbook is consisted on the opening balance and
the closing balance of the day.
Task Assigned to me During Internship:

Verification of the Accounts opened:
The first assignment given to me was the checking the account opening forms for the
clients which has already accounts in the bank to build the knowledge that what are the
Internship Report
Page 8
essentials for the opening of an account . I verified more than 400 accounts during the
time of my internships inwhich Current, Saving, Basic,Bussiness and joint account were
include.I also find out the adjustments to be done and the missing figures and some
portions of the account opening forms and also performed an audit work of these
accounts.There were usually 3500 accounts in our branch. I also evaluate the addresses of
the clients with the details and information available to them.
Account Opening
After seeking the whole process of the account opening I started my practical work for
the opening of the accounts and feel a great pleasure indeed becauseit was my first
practice in the practical life.I work with devotion and being appreciated by the
Operational Manager of my branch.In account practice I learned about the range for
opening different types of accouts along with their differences with respect to each other.
Cheque Book Issue

I continued my practice and learn anew task of issuance of the cheque book it was an
easy task but has some compulsory parts of making a entry for the cheque book in the
register and then attempting the signature of the person to whom the cheque book is
being issued. another essential was to take the signature on the receipt of the cheque book
which was inside the cheque book.A current accouts cheque book contains the 50
cheques and the saving account cheque book contains the 25 cheques.
ATM Form and Card Issuance:

I keep my work in the ATM form for the issuance of the ATM card to the cleints The
process of ATM card issuance was the same as the cheque book somehow but a little bit
different in terms that there is not internal receipt given in the ATM.Bank keeps the
record for the issuance of the ATM cards for their facility.
Making Payment Order

My first tough assignment was the making of a payment order.Payment order are the
same city cheques which are cleared in a day by the branch in which they are drawn.I
make payment orders for one week.There is no entry for thepayment order in the
registerbut a receipt is available to the bank from the slipson whom the detail is written of
the transaction.
Making Demand Draft:

I make the demand draft too along with the payment order.these are the cheques which
are cleared by the other banks out of the city.the demand draft is made for the other cities
Internship Report
Page 9
branch cheques which are sent to the NIFT(National InstitutionalFacility technology).The

record is keep in the registers for the demand draft and if a demand draft is not cleared by
the inter city bank branch then the penalty or fine is charged against the person who
deposits the cheque.
FINANCIAL ANALYSIS
Financial Analysis :
Ratio Analysis of Latest Five Year:
Cash Deposits: 1
Cash Deposit=Cash/Deposit
Table No. c 1
Particulars 2010
2009
2008
2007
Cash
32,687,335 27,869,360 24,798,070 19,708,518
Deposits
300,732,858 239,509,391 222,345,067 129,714,891
Ratio
0.11
0.11
0.12
0.15
Note: Data is taken from Annual Reports of United Bank Limited
2006
8,423,399
76,698,322
0.10
Comments:
This ratio helps to understand that what ratio of total deposits is in hand as cash. This
ratio has been increased from 2006 to 2007. Its a good sign for the bank. This is self
sufficient to meet the day-to-day cash requirements. There must be some cash in hand to
meet the contingent liabilities.
Assets Turnover: 2
Asset Turnover = (mark up revenue/total asset) * 100
Table No. c 2
Year
mark up revenue
Total Assets
2010
31,046,583
348,990,764
2009
25,783,871
328,895,152
2008
21,191,470
275,685,541
2007
12,246,811
248,313,793
2006
5,620,203
154,834,534
Ratio
8.89%
7.83%
7.68%
4.93%
3.62%
Comments:
The asset turnover is calculated by dividing the mark-up revenue with total assets. Over
the number of years this ratio has decreased but its not due to decrease in the figures but
Internship Report
Page 10
due to the fact that there has not been proportionate change in the total revenue earned
and the total assets.
Earnings Per Share: 3

Earning Per Share = Earning Available For Common Stock/No. of Outstanding Shares
Table No. c 3
Years
Common Stock
Outstanding Shares
2010
15265562
6282768
2009
12142398
5463276
2008
15265562
6282768
2007
12142398
5463276
2006
12142398
5463276
Ratio
2.4
2.2
2.4
2.2
2.2
Comments:
UBL earning per share is going to increase year by year which is very positive sign for its
shareholders as well as for its management. EPS is increased which is a great
achievement. This ratio got really improved as it has gone with the increase in profit.
Earnings per share is a good measure of profitability when compared with similar other
business. Here increasing EPS, which will surely increase share price. This ratio has the
same trend as the return on the assets, and is improving in the every succeeding year.
Net Interest Income to Assets: 4

Net Interest Income/Total Assets*100
Table No. c 4
Particulars
2010
2009
2008
2007
Net
Interest 7,172,032
6,786,197
5,259,357
4,639,009
Income
Total Asset
348,990,764 328,895,152 275,685,541 248,313,793
Int. Income to 2.06%
2.06%
1.90%
1.86%
asset
2006
2,813,020
154,834,534
1.81%
Comments:
This ratio is obtained by dividing the net interest income by total asset. This ratio has
shown increase from the year 2006 to 2010.The ratio for the year was 1.93%, 1.81%,
Internship Report
Page 11
1.86%, 1.90% and 2.06% respectively.
Current Ratio: 5
Current Assets/Current Liabilities
Table No. c 5
Years
Current Assets
Current Liabilities
2010
32,687,335
19,713,422
2009
29,436,378
28,589,789
2008
27,859,360
14,707,371
2007
24,788,625
12,800,868
2006
19,708,518
16,856,981
Ratio
1.66
1.03
1.89
1.94
1.17
Comments:
Current ratio measures the number of times a companys current assets covers its current
liabilities. The higher the ratio the greater the ability of the company to meet its shortterm obligations. It is calculated by dividing the current assets with the current liabilities.
The current ratio for the year 2006 was 1.17 and the 2005 it was 1.53 and in 2010 to 1.66.
Net Working Capital: 6

Current Assets-Current Liabilities
Table No. c 6
Years
Current Assets
Current Liabilities
2010
32,687,335
19,713,422
2009
29,436,378
28,589,789
2008
27,859,360
14,707,371
2007
24,788,625
12,800,868
2006
19,708,518
16,856,981
Ratio
12,973,913
846,589
13,151,989
11,987,757
2,851,537
Comments:
The working capital of the bank has decreased in 2010. Actually working capital is the
liquidity of capital available to the organization from which it conducts its business. It is
a minor difference doesnt affect the credibility of the banks. It shows the efficiency,
control and strong strategies of the top management.
Internship Report
Page 12
Return on Asset: 7
Return on Asset= Net Income/Total Assets
Table No. c 7
Particulars 2010
Net Income 1,301,301
2009
3,130,229
2008
1,762,691
2007
1,702,094
2006
1,091,989
Total Assets 348,990,764 328,895,152 275,685,541 248,313,793 154,834,534

Ratio
0.37%
0.95%
0.63%
0.68%
0.70%
Comments:
Return on asset is higher than the previous year thats a good sign. It means that bank is
earning more from its total assets. It is because of banks more investment, advances and
investment in fixed assets. Its result will occur with the passage of time. It will be
beneficial for the bank for the longer time period.
Return on Equity: 8
Return on Equity= Net Income/ SHE
Table No. c 8
Particulars
Net Income
Stockholder Equity
Ratio
2010
1,301,301
9,795,000
2009
3,130,229
6,500,000
2008
1,762,691
5,000,000
2007
2006
1,702,094 1,091,989
3,000,000 2,500,000
13.29%
48.16%
35.25%
56.73%
43.68%
Comments:
Return on equity is lower than the previous year, thats a bad sign. It means that bank is
relying on outsourcing. It is not self sufficient and believes on equity base business. It is
not a good indicator of a strong business. This ratio is not perfectly according to the
market requirements.
Return on Deposits: 9
Return on Deposits= Net Income/Deposits
Table No. c 9
Particulars
2010
Internship Report
2009
2008
2007
2006
Page 13
Net Income
1,301,301
3,130,229
1,762,691
1,702,094
1,091,989
Deposits
300,732,858 273,173,841 239,509,391 222,345,067 129,714,891
Ratio
0.43%
1.14%
0.73%
0.76%
0.84%
Comments:
It shows the efficiency of the management of the bank that its bad debts have also been
decreased by the year. It is a good situation for the efficiency of the management. This
ratio has been decreased from the last year. It is all because of banks profit has been
decreased.
Return on Assets after Taxation: 10

Profits after Tax/Total Asset*100
Table No. c 10
Particulars
2010
2009
2008
2007
Profit after tax
1,301,301
3,130,229
1,762,691
1,702,094
Total Asset
348,990,764 328,895,152 275,685,541 248,313,793
Return on asset 0.37%
0.95%
0.63%
0.68%
after tax
2006
1,091,989
154,834,534
0.07%
Comments:
It is calculated by dividing the profits after taxation with total assets. This ratio has
decreased over the number of years from 2.14% in 2004 to 0.07% in 2006, and increased
in 2007 to 0.68% and then again decreased in 2007 to 0.63% and increased from 0.95%
to 0.37% in 2010 respectively.
Advances to Deposits: 11
Advances to Deposits= Advances/Deposits
Table No. c 11
Particulars
Advances
Deposits
Ratio
2010
192,671,169
300,732,858
64.07%
Internship Report
2009
171,198,992
273,173,841
62.67%
2008
149,999,325
239,509,391
62.62%
2007
118,864,010
222,345,067
53.45%
2006
88,931,400
129,714,891
68.56%
Page 14
Comments:
This ratio has been increased from last two. It shows that how much percent of deposits
are made in advances. It is all because of banks more investment in its advances. But it
would be difficult for the bank if it makes more advances. The advances should be up to a
specific level because the advances are the life blood of a bank. No bank can deny it.
Profit before Tax Ratio: 12

Profit before Tax / Gross Markup Income
Table No. c 12
Gross
Markup
Year
Profit Before Tax
Income
Ratio
2006
1091989
5620203
0.19%
2007
2563290
12246811
0.21%
2008
2565945
21191470
0.12%
2009
4535552
25783871
0.18%
2010
1794720
31046583
0.06%
Comments:
For banking sector, profit before tax ratio is very much important because large amount is
deducted in shape of taxes. Banks profit before tax ratio is decreases in 2010 that is
0.06% as compare to 2009 value 0.18%. The reason behind this decrease is that a huge
amount is contributed to the tax provisions, as there is disagreement between bank and
tax authorities. UBL aggressively and very speedy penetrate or expanding its network
around the world.
Debt Ratio: 13
Debt Ratio= Total Liability/ Total Asset
Table No. c 13
Particulars
2010
2009
2008
2007
Total Debt
331946025
312675308
263443596
240849667 149573050
Total Assets
348990764
328895152
275685541
248313793 154834534
Internship Report
2006
Page 15
Ratio
0.95%
0.95%
0.96%
0.97%
0.97%
Comments:
This ratio indicates what proportion of debt a company has relative to its assets. The
measure gives an idea to the leverage of the company along with the potential risks the
company faces in terms of its debt-load. A debt ratio of greater than 1 indicates that a
company has more debt than assets; meanwhile, a debt ratio of less than 1 indicates that a
company has more assets than debt. Used in conjunction with other measures of financial
health, the debt ratio can help investors determine a company's level of risk.
Debt Equity Ratio: 14

Debt Equity Ratio= Total Debts/SHE
Table No. c 14
Particulars
2010
2009
Total Debt
331946025 312675308 263443596 240849667 149573050
Total Equity
14608523
13766673
2008
10572605
2007
6738063
Ratio
22.72%
22.71%
24.91%
35.74%
2006
4369072
34.23%
Comments:
This can result in volatile earnings as a result of the additional interest expense. If a lot
of debt is used to finance increased operations (high debt to equity), the company could
potentially generate more earnings than it would have without this outside financing. If
this were to increase earnings by a greater amount than the debt cost (interest), then the
shareholders benefit as more earnings are being spread among the same amount of
shareholders. This ratio tells that how a banks assets are financed by the debts.
Loans to Deposits: 15
Average total Loans / Average Deposits
Table No. c 15
Particulars
2010
Loans
Average
Deposits
Ratio
Internship Report
2009
2008
2007
153004095 154244101
113229563
102399290 65903134
300732858 273173841
239509391
222345067 129714891
0.51%
0.47%
0.46%
0.56%
2006
0.51%
Page 16
Comments:
Average total loans to average deposits are a type of asset to liability ratio. As we know,
loans make up a large portion of the banks assets, and its principal obligations are the
deposits that can be withdraw on request. It shows that bank has improved its liquidity
position. There is need to increase the credit portfolio to have more return/profit because
deposits are also at high cost and of these are not utilized or invest properly then it will
cost to bank.
Debt Coverage Ratio: 16

Net Operating Income / Total Debt
Table No. c 16
Particulars
2010
2009
2008
2007
2006
Net Operating Income
1794720
4535552
2565945
2563290
1091989
Total Debt
331946025 312675308
263443596
240849667 149573050
Ratio
0.54%
1.45%
0.97%
1.06%
0.73%
Comments:
The DCR is calculated by dividing the property's annual net operating income (NOI) by a
property's annual debt service. Annual debt service is annual total of your mortgage
payments (i.e. the principal and accrued interest, but not your escrow payments). Bankers
and lenders use this ratio as a guide to help them understand whether the property will
generate enough cash to pay rental expenses and whether you will have enough left over
to pay them back on the money you borrowed.
SWOT Analysis:
Strength
The UNITED BANK LIMITED is one of the most successive organization in the
present time.There are some reasons hiding behind the success of UNITED BANK
LIMITED.
The employees working in the UNITED BANK LIMITED are skilled ,Hard
working and well trained.They are well educated too and have strong
communication skill to create a good impression on the clients.
Internship Report
Page 17
UNITED BANK LIMITED has strong network system through its branched.There
are more than
730 branches in all over the Pakistan which are almost the maximum comparing to
all other banks in the banking sector.The all branches of UNITED BANK
LIMITED has the ATM card Machine Facility.
The salaries are reasonable so the financial problems are not faced by the employees
working in the UNITED BANK LIMITED and they work with integrity and
affection.
One great reward for the UNITED BANK LIMITED is that it is the one and only
Bank which is owned by its employees in the Banking world among the Muslim
Banks.
The working condition and the working environment is very safe for the employees
The banking system serving in online for the UNITED BANK LIMITED is very
effective and the chance of Fraud is minimal.
The verification policy is very handy even Bank has make an essential to collect the
copy and the contact detail for the person who is making an online deposit transfer.
The customer care is the basic mission of the UNITED BANK LIMITED and an
early step is taken by the management in case of any dispute and complaints from
the clients.
If an employee is on leave the working process does not stops.The management

immediately places an other worker to carry on the operations.
Weakness
UNITED BANK LIMITED also have some loose ends in overall Banking system.
The first hurt for the employees is that the promotions are at very later stages so
career development is lack for the for the employees working for the UNITED
BANK LIMITED.
The promotional tools are not consistently used by the UNITED BANK LIMITED
to inform about the new updates and policies to the general public.
In spite owned by its employees there is no annual increments for the employees in
shape of increase in their monthly salary.This inconvenience make the employees
dissatisfied who are working with their best for the Allied Bank
Internship Report
Page 18
In some branches the sufficient staff is not available.The workload bowed to the
others .So all the tasks are not completed within time and the staff have to suffer
extra time and stress in the working days.
The security system of the UNITED BANK LIMITED is very weak regarding to the
security guards.Due to this robberies are made on the different UNITED BANK
LIMITED branches several times in the last 2 to 4 years.
Opportunities:
The Government introduces many policies for the valuation of the economy for the
general public.The UNITED BANK LIMITED can take their chance to attract the
small customers by providing them reasonable schemes on the terms and conditions
for the borrowing.
UNITED BANK LIMITED can take best use of their workers by balancing the
tasks
among the duties. This practice can make possible to enter in the consumer banking
with a strong mission to create revolutions in it.Different Training and motivational
programs should be introduced to learn the new techniques according to the new
technologies in the present world for the Banking.
Threats:
The entrance of the other Banks as the privatized Banks is increasing the
competition in the Banking sector which is a sign of war for the existing private
banks like UNITED BANK LIMITED.
The continuous devaluation in the currency is the most dieing threat for the
UNITED BANK LIMITED since the devaluation in currency is increasing for the
past decade more rapidly.
The policies of the UNITED BANK LIMITED are the invitation of threat for
them.the skilled and hard working staff is not available in all the branches due to
Internship Report
Page 19
reference base job positions and promotions in the UNITED BANK LIMITED.
These make the un availability of the affective work force in the sector.
political Instability also ensures a face of threat in the whole industry.The political
affairs directly affects the business conditions.So the political structure is not
taking a right end to create stability in the industry environment.
PEST Analysis:
What is PEST Analysis?
It is very important that an organization considers its environment before beginning the
marketing process. In fact, environmental analysis should be continuous and feed all
aspects of planning.
The organization's marketing environment is made up of:
1. The internal environment e.g. staff (or internal customers), office technology, wages
and finance, etc.
2. The micro-environment e.g. our external customers, agents and distributors, suppliers,
our competitors, etc.
3. The macro-environment e.g. Political (and legal) forces, Economic forces,
Sociocultural forces, and Technological forces. These are known as PEST factors.
Internship Report
Page 20
Political Factors.
The political arena has a huge influence upon the regulation of businesses, and the
spending power of consumers and other businesses. You must consider issues such as:
1. How stable is the political environment?
2. Will government policy influence laws that regulate or tax your business?
busine
3. What is the government's position on marketing ethics?
4. What is the government's policy on the economy?
5. Does the government have a view on culture and religion?
6. Is the government involved in trading agreements such as EU, NAFTA, ASEAN, or
others?
Economic Factors.
Marketers need to consider the state of a trading econo
economy
my in the short and longlong
terms.This
This is especially true when planning for international marketing. You need to look
at:
Internship Report
Page 21
1. Interest rates.
2. The level of inflation Employment level per capita.
3. Long-term prospects for the economy Gross Domestic Product (GDP) per capita, and
so on.
Sociocultural Factors.
The social and cultural influences on business vary from country to country. It is very
important that such factors are considered. Factors include:
1. What is the dominant religion?
2. What are attitudes to foreign products and services?
3. Does language impact upon the diffusion of products onto markets?
4. How much time do consumers have for leisure?
5. What are the roles of men and women within society?
6. How long are the population living? Are the older generations wealthy?
7. Do the population have a strong/weak opinion on green issues?
Technological Factors.
Technology is vital for competitive advantage, and is a major driver of globalization.
Consider the following points:
1. Does technology allow for products and services to be made more cheaply and to a
better standard of quality?
2. Do the technologies offer consumers and businesses more innovative products and
services such as Internet banking, new generation mobile telephones, etc?
3. How is distribution changed by new technologies e.g. books via the Internet, flight
tickets, auctions, etc?
4. Does technology offer companies a new way to communicate with consumers e.g.
banners, Customer Relationship Management (CRM), etc
Internship Report
Page 22
Intiative take I thake as a manager there:

I find out week areas that require improvements for long-term benefit of the organization.
These initiative that I will take are as follows.
Computerization:
IT has changed the old method of making business. So, computerization In UBL is
become the basic need. Though UBL has the computer system yet the system has not
totally shifted on computer. Manual procedure is still there, Hence computer facility is
not full availed and many branches are working without computer and computer system
is should be fully availed and many branches are working without computer and
computer system, it should be full availed and system should be full computerized.
Computerization will save to much times which is wasted due to manual procedures.
E-Commerce:
This world is now called a globle world because it is connected through computer
network. In todays networked world e-commerce is getting importance day by day. All
the leading banks of the world are adopting the concept of online banking and they are
providing better services to their customers through the internet. United Bank limited
should also adopt the e-commerce so that it will be able to compete with the national and
international banks. Its is only possible when all the branches are computerized.
Performance Appraisal & Compensation:

Employee appraisal is an major part good and effective HRM. It consist of systematic
evaluation of an individual with respect to his personal traits and characteristics, his on
job performance and his potential for development. In Unite Bank Limited there is no
appraisal system exists. No relationship has so far been established between appraisal and
staff motivation. No weight is assigned to appraisal in making decisions on promotions,
postings, etc.Compensation is a necessary thing for employees satisfaction. And UBL
has not any proper compensation plan when ever management decide to give bonus or
extra salary to employees it is followed. So there should be proper compensation plan.
Product Marketing:
This is age of competition and every organization is facing hard competition from not
only domestic organization but also from the international organizations due to
globalization. Due to this competition the marketing department plays a vital role in the
success of the organization.UBL should have a strong marketing department like many
other private banks have for the publicity of their products and make well inform the
Internship Report
Page 23
customer all the services provided by the bank and to conduct detailed market researches
to find out new opportunities, needs of the customers and make comprehensive plans to
capitalize those opportunities.
Appearance:
Physical appearance of the location and inside the building also matters. It helps a lot to
attract the customer. Some branches of UBL are very attractive but all the branches
should be well dressed.
Refresher Training Courses:

There should be proper staff training refresher courses programs to train the employees
latest tool and techniques of the banking. They should be given computer training. Most
of the employees of the UBL know nothing about the computer and its application in the
banking.
RECOMMENDATIONS:
Recommendations and suggestions are considered to be the most important part of an
internship report, without which no report is considered complete and meaningful. This
part of the report is based on the previous sections i.e. review and analysis. Moreover, for
bringing suggestions, discussions have been conducted with the staff of UBL officers,
who not only provided the basis for recommendations and suggestions but also pointed
out some areas, where the change for the development is utmost important. Realizing the
importance of this section, efforts have been made to give feasible recommendations,
which are categorized under the following headings.
Mobile Banking
Mobile banking is actually a banking that you can do yourself. You can perform various
activities of bank through your mobile phones or through your computers. With just a call
you can transfer money from an account to another and similarly other activities. It is a
concept that is gaining importance throughout World Pakistan is no exception. UBL
should start working on this concept to maintain their existence in the changing banking
sector.
Adopt Pro-Active Approach

UBL management should adopt proactive to survive in this sector. What I have observed
is that UBL management is having reactive approach means that they react to the
situation that their competitors have created. UBL should try for new innovative ideas
rather than moving on the same track that their competitive are doing.
Internship Report
Page 24
Educate Account Holders

Whether the account holders are new or existing bank should provide them with the
initial information about how to deposit and withdraw money from the bank. It will be
beneficial for the bank in a way that lot of time could be saved afterwards with that
approach.
Promotional Activity
Bank must let potential customers know that all attractions for banking exist. This is done
by advertising on Television and obtaining Press coverage, in conjunction with direct
mail, window displays, pamphlet in branches and in appropriate other locations (such as
hostels, shops etc.) and including leaflets in statement of accounts sent to existing
customers in the hope that they will tell potential customers about the services provided
by our bank.
Relationships
The bank should keep on filling the gap between customer and the bank through
consumer friendly attitude and efficient services. They should work on building
relationship with the customers.
Change Attitude
Employees inside the branches should change their attitude toward the customer. It has
been observed that customer do not get the same warm welcome and importance that he
wants and he is been provided by other emerging banks. They should start thinking about
changing their attitude from now.
Appearance
Physical appearance of the location and inside the building also matters. It helps a lot to
attract the customer. Some branches of UBL are very attractive but all the branches
should be well dressed.
Recovery Facility
It should also provide the facility of recovering notes payable and accounts payable.
Internship Report
Page 25
Internship Report
Page 26
Internship Report
Page 27

Internship Report - Ubl.by Syed Ahmad Mustafa Shah

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Internship Report - Ubl.by Syed Ahmad Mustafa Shah

Uploaded by

Copyright:

Available Formats

UBL LAYYAH BRANCH CHOBARA ROAD

MR. AHMAD MUSTAFA SHAH

DEPARTMENT OF BUSINESS ADMINISTRATION

Account opening system.

My week wise activity while working as internee

Impplication of Class room learning in organization

Task Assigned to me During Internship

Intiative take as a manager there

My week wise activity while working as internee:

As a internee in United bank limited I spent my third week in clearing department

Impplication of Class room learning in organization:

Task Assigned to me During Internship:

Cheque Book Issue

ATM Form and Card Issuance:

Making Payment Order

Making Demand Draft:

branch cheques which are sent to the NIFT(National InstitutionalFacility technology).The

Earnings Per Share: 3

Net Interest Income to Assets: 4

1.86%, 1.90% and 2.06% respectively.

Net Working Capital: 6

Total Assets 348,990,764 328,895,152 275,685,541 248,313,793 154,834,534

Return on Assets after Taxation: 10

Note: Data is taken from Annual Reports of United Bank Limited

Profit before Tax Ratio: 12

Debt Equity Ratio: 14

331946025 312675308 263443596 240849667 149573050

Note: Data is taken from Annual Reports of United Bank Limited

Debt Coverage Ratio: 16

Net Operating Income

If an employee is on leave the working process does not stops.The management

Intiative take I thake as a manager there:

Performance Appraisal & Compensation:

Refresher Training Courses:

Adopt Pro-Active Approach

Educate Account Holders

You might also like