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In The Name Of Allah The

Most Merciful & The Most


Beneficent

TOPIC:
Internship Report Of

Submitted By
Imran Malik

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ACKNOWLEDGEMENT

During my internship there are


many people who contribute to its
accomplishment and all deserve
recognition and acknowledgement.
Firstly, we thank Allah for helping
us in every hour of need. I am grateful
to our bank manager Mr. Saif-ul-
Rehman, Mr. Zawar & the whole staff
of bank for their guidance and useful

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tips, as without their sincere efforts, I
would not have been able to
accomplish my internship.

ACCOUNT OPENING

During the span of mine internship in Soneri bank I learned and


observed a lot of about the opening of an account. Basically I think that
the opening of an account is the establishment of a contractual
relationship between the banker and the customer. By opening an
account at a bank a person becomes a ‘customer’ of a bank. Further I am
going to express the basic requirements involved in the opening of an
account
 Account Opening Form
 Copy of CNIC
 Salary Slip
 Copy of Company’s ID Card
 NADRA Verification
 World Online Check
 Know Your Customer

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CLEARING
The clearing in Soneri bank is done through NIFT (National
Institute Of Facilitation Of Technology), Intercity & OBC (Outward
Bill Collection)
Following information is entered in clearing register.
 Name of favoring party.
 Name of bank on whom drawn.
 Account number.
 Amount.
Clearing is sent after entering in register. In clearing register future
date and day is putted. Cheques and vouchers are then separated and
Cheques are sent for clearing.

ADVANCES
Advances are the most important source of earning for the banks. Soneri
Bank is also giving full attention towards this aspect and it is also
obvious from the growing portfolio of advances.
TYPES OF FINANCES
 Corporate Finance
 Consumer Finance
 SME
CORPORATE FINANCE
Corporate finance is further divided into following categories
i. Term Finance
ii. Long Term Finance
iii. Demand Finance
iv. Cash Finance
v. Running Finance

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CONSUMER FINANCE
Consumer Finance is divided into following categories
i. Ghar Finance
ii. Car Finance
iii. Personal Finance
iv. Generator Finance

SME
i. Running Finance

REMITTANCE
Remittance refers to the accounting concept of a monetary payment
transferred by a customer to a business
In remittance department, Soneri Bank has instruments for
transferring money Telegraphic Transfer, Pay orders, Demand Draft
& Banker’s Check.
i. Pay orders are used within city
ii. Demand drafts are used outside the city
iii. Telegraphic Transfers are now replaced by online system &
iv. Banker’s check is used to pay bank’s expenses.

TRADE
In trade department, Soneri bank is dealing Foreign Currency
Accounts, Foreign Bills for Collection & Imports & Exports.

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It also facilitates its customers by providing shipping guarantee,
letter of credits and letter of guarantees.
During my training period in trade I have learned about how to
prepare Form I, Form E & vouchers.

SUGGESTION
Bank should pay stipend to its internees
&
Above all it should pay immediate attention to its internet system.