COPY OF INTERNSHIP COMPLETION

CERTIFICATE
(Issued by the company)

DECLARATION BY THE INTERN

I MADIHA DAR registration G1F12MCOM0037 student of MCOM in Punjab College of

commerce session 2012-2014 solemnly declare that this internship report on MEEZAN BANK
LIMITED is my original work. I further declare that I have strictly observed reporting ethics and
duly discharged copy-right obligation and properly referred all outsourcing of materials used in
this report and nothing is confidential in this report in respect of the company of my internship. I
take the responsibility for all legal and ethical requirements regarding this report.

Signature:
Name: MADIHA DAR
Registration No: G1F12MCOM0037

II

ACCEPTANCE CERTIFICATE

This internship report on MEEZAN BANK LIMITED is accepted by the Punjab College of
Commerce, M.COM campus on the basis of declaration given by MADIHA DAR registration no
G1F12MCOM0037.

Internship Supervisor:
Name:
Signature:
Date:

Principal
Punjab College of Commerce Gujranwala
Signature:

III

ACKNOWLEGMENT

I am much thankful to ALLAH Almighty the most gracious, the most merciful who has given
me ability to complete this research project. I pray that HE continued to shower His countless
blessing and gives me the knowledge to achieve my goals. All this respect for this Holy Prophet
Hazrat MUHAMMAD (SAW) who enlighten my mind to recognize myself.
I am also grateful to Mr. ZainulAbideen (Branch Manager), Mr. Munawar Zia ullah
(Operational Manager) and Mr. Muhammad Imran Janjua (Incharge Manager) of Meezan
Bank Limited, Dal Bazar Branch Gujranwala without whose guidance and support it would not
have been possible for me to accomplish this assignment.
Furthermore, I am thankful to the staff of Meezan Bank Limited, Dal Bazar Branch, Gujranwala
from whom I have gained much experience regarding operational work of Bank.
The last but not least I convey my credit and thankfulness to Punjab College Authorities without
whose well in time support and guidance it would be much difficult for me to achieve this task
successfully.

IV

EXECUTIVE SUMMARY
In professional education with practical knowledge, it is necessary for us to know the application
of this practical work.
I feel much honor that I got the chance to work in such a reputable bank of the Pakistan. During
my training program I tried my best to gain all the important knowledge related to my training.
In this report I explain the knowledge that I have gained during my training program. This report
consists of 5 chapters. In chapter 1 I have explained the history, introduction of the bank.
Chapter 1 also includes the vision, mission of the bank, customers, and branches of the bank. In
chapter 1 these are also included such as the type of ownership of the bank, products offered by
the bank, functions performed by the bank.

Chapter 1 also consisted of the critical analysis of the bank, I have explained the major
responsibilities undertaken during internship program, I have explained the skills and
qualifications acquired from training program, I have explained the impact of internship on
future career path, I have explained the overall comparison between theories and practical, I have
explained the general observation about the sector of the bank.

Chapter 2 of this report I have explained the internship activities during my training program.
This chapter includes how I have worked 6 weeks in all the departments of the bank. What I
learned and gained during my training program. What were the responsibilities during my
internship period? I have explained the working of each department that I have done during my
training program. I have learned a lot of knowledge about customer service department, about
the clearing, remittance department, and cash department etc.

Chapter 3 of this report consists of competitive analysis of the bank. In the competitive analysis I
have explained the strengths, weaknesses, opportunities, threats. I have explained how strengths
can be used to remove the weaknesses and how opportunities can be availed, and how threats can
be removed?

In the chapter 4 of this report I have explained the financial analysis of the bank. I have
explained the financial worthiness of the bank. The financial analysis of the Meezan bank shows
a very positive sign for the banking industry. The financial analysis shows the financial strength
of the Meezan bank. The financial analysis showed the growth rate of the bank. The growth rate
of the bank is very faster. Bank growing fastly. And this showed a positive sign for the banking
industry and also for the bank growth.

Chapter 5 of this report consists of the suggestions, conclusion etc. This part of the report is very
necessary part.

I tried my best to explain the whole banking activities that I have learned during my training
program. I tried my ever best to explain what I learnt during my internship program. I learnt a lot
that I never know before my training program. I learnt the basic banking rules, banking activities.
I learnt that the banking is separate sector away from all the businesses. This sector has its
separate rules and separate regulations away from all businesses.
I have also learned from my training program that it is necessary for professional education to
work practically. Without practical work, students cant able to understand the theoretical
knowledge. To understand the theoretical knowledge its very important for the professionals to
work in practically. And this can be done only by practical knowledge.

VI

LIST OF TABLESLIST OF TABLES

Table No.
1.1
2.1
2.2
2.3
2.4
2.5
2.4
2.6
2.7
2.8
2.9
2.10

Title of table
Shareholding Structure of Bank
Earning asset to total assets
Interest earned to earning asset
Total equity to total assets
Total debt to total assets
Total deposit to total equity
Total loan to total deposit
Net Profit Before Tax Margin
Net Profit After Tax Margin
Earnings per share
Return on Equity
Return on Assets

Page No.
7
71
71
71
72
72
72
72
73
73
73
73

VII

LIST OF FIGURES
Figure No.
1
2

Title of figure
Bank Hierarchy Chart
Dal Bazar Branch Chart

Page No.
5
6

VIII

TABLE OF CONTENT
Title
Internship Completion Certificate
Declaration By the Intern
Acceptance Certificate
Acknowledgment
Internship Executive Summary
List of tables
List of Figures
Table of contents

Page
I
II
III
IV
V
VII
VIII
IX

Chapter
INTRODUCTION OF THE COMPANY
1.1
1.2
1.2.1
1.2.2
1.2.3
1.2.4
1.2.5
1.2.6
1.3
1.4
1.5
1.6

1.7
1.8
1.9
1.10
1.11

History of the Islamic Banking

Introduction of the Bank
The type of ownership of the Bank
Description of number of Branches
Market share of Bank
The customers the Bank
Vision
Mission
Products of the Bank
Organization chart of the Bank
Functions performed by division
Critical Analysis of Bank
1.6.1
Marketing Strategies
1.6.2
Major competitor of the Bank
1.6.3
Success and failure of bank products in the market
1.6.4
Major HR policies and practices
Major Responsibilities Undertaken During Internship
Skills and Qualification Acquired from Internship
Impact of Internship on Future Career Path of the Intern
Overall Comparison Between Theories And Practical
General Observation About the Sector of the Internship

1
3
4
8
9
10
10
10
11
12
13
15
15
16
16
16
17
17
18
18
18

Chapter
INTERNSHIP ACTIVITIES
2.1
2.2

2.3

Overview of Internship Activities

Customer service department
2.2.1
Documents Required For Account Opening
2.2.3
Procedure For Account Opening
Operations Department
2.3.1
Clearing
2.3.2
Remittance

19
20
38
42
44
44
46
IX

2.4
2.5

Service Quality Department

Cash Department

47
48

CHAPTER III
Competitive Analysis of the Bank (SWOT)
3.1
3.2
3.3
3.4

Strengths
Weakness
Opportunities
Threats

50
53
54
56

CHAPTER IV
FINANCIAL ANALYSIS
4.1
4.2
4.3
4.4
4.5
4.6
4.7
4.8
4.9
4.10
4.11

Earning asset to total assets

Interest earned to earning asset
Total equity to total assets
Total debt to total assets
Total deposit to total equity
Total loan to total deposit
Net Profit Before Tax Margin
Net Profit After Tax Margin
Earnings per share
Return on Assets
Return on Equity

58
59
60
61
62
63
64
65
66
67
68

Chapter V
INTERNSHIP ASSESSMENT AND RECOMMENDATIONS
5.1
5.2
5.3

Recommendations for the Bank

Recommendations for the College
Recommendations for Future Interns

References

69
70
70
74