CHAPTER 1

INTRODUCTION TO THE REPORT

1.1. Background of report:

It is very necessary element to prepare the report for the proper completion of BBA hons degree
in department of management sciences. All the students must join some organization for their
practical work and make a report on that organization what have learned there in 08 weeks. I have
joined Muslim bank of Pakistan for my internship which is established in 1949. This is very
excellent and profitable bank of Pakistan.
1.2. Objectives of report:
This internship offers me an incredible opportunity to gain real-world experience in the
high-stakes finance industry. The primary objective of the project is to forecast or
determine the actual financial status and performance of an organization Following are
important objectives of studying the organization:

 To learn about Capital Adequacy, Asset and Liability Management, Interest Rate
Risk , Liquidity, Asset Quality & Profitability of bank.
 To monitor the adequacy and effectiveness of the internal control system and
Financial Reporting Framework.
 Assessment of the company’s financial condition through the financial statements.
 Analyzing savings and investment trends in banking sector.
 To describe the impact of financial decisions on the health and functioning of the
overall organization.
 To examine the Innovations in customer service in banking
 1.3. Limitations:
The internship program helps students become aware of practical life, such as what can happen
in professional life. As a Muslim commercial bank it is the largest commercial bank in Pakistan
that has better management and offers several types of products and services. As I was interned
in the bank. My internship studies cover all aspects of banking systems, including deposit
management, foreign remittance funds, bank charges, credit, call deposit, payment order, debit.
I gained a lot of knowledge and experience in the process of opening A/C when opening
different types of accounts as individual or joint. In this internship I practically knew about
customer management. Information on these and more products and services is available in
this report.

1.4. Purpose of report:

The report was the demand of the department to obtain a degree in business administration. The
main objective of this report is to obtain information about the internship. This report is about the
MCB. The report is about observation and practical work in the branch of MCB Mansehra. The
purpose of this study is also important that, through this report, a student/intern can capture and
write all the information obtained in the internship.

1.5. Sources and Methods of Collecting Information:

To make this report various sources of information are used. The most important sources of
information is staff of branch and self-collected data during the course of internship. Financial
statements of MCB, website of MCB, different economic reports, press releases, articles, business
record and different books of the course are some other names of sources of information used for
making this internship report.
Financial statements of MCB are collected from the website of MCB and different press releases
and news reports are taken into consideration in order to have an understanding of situation of
MCB in banking sector of Pakistan.
 CHAPTER 02
INTRODUCTION TO ORGANIZATION
2.1. Organization Structure:
 2.2. Introduction:
MCB is one of the leading banks of Pakistan incorporated in 1947 MCB Bank has made significant
contributions in building and strengthening both corporate and retail banking sector in Pakistan.
This report is an upshot of my eight weeks internship in Muslim Commercial Bank of Pakistan.
MCB of Pakistan possesses an imperative and historical importance in the banking sector of
Pakistan. It always remains the center of hustles in business activities. It always endows with great
covenant of rally round in terms of funds and services at all epochs of its dynamism.
2.3. History:
MCB Bank Limited was incorporated by the Adamjee Group on July 9, 1947, under the Indian
Companies Act, VII of 1913 as a limited company. The bank was established with a view to
provide banking facilities to the business community of the South Asia. After the partition of the
Indo-Pak subcontinent, the bank moved to Dhaka (then the capital of former East Pakistan) from
where it commenced business in August 1948. In 1956, the bank transferred its registered office
to Karachi, Where the head office is presently located. Thus, the bank inherits a 64 years legacy
of trust of its customers and the citizens of Pakistan. MCB Bank is not an overnight success story.
It started with a share capital of Rs 30 million which is divided into 3 million ordinary shares of
Rs 10 each
This was the first bank to be privatized in 1991 and the bank was purchased by a consortium of
Pakistani corporate groups led by Nishat Group. The banks after nationalization came under
political and bureaucratic control and deviated from normal banking practices. Some of their senior
executives were tempted to nurture a culture of obliging big businessmen, feudal and political
influential. They sacrificed their personal integrity and interest of banking sector for gaining
promotion and accumulating personal wealth. That is how banking sector started losing its upright
and professional institutional image from mid-80s and its downward slide started which touched
new low during 1990s. The then PML government also became conscious of the falling standard
of the banking sector and decided to privatize all the commercial banks. Banks (Nationalization)
(Second Amendment) Ordinance 1991 was also promulgated to pave the way for privatization of
banks in Pakistan
 2.4. Vision:
Vision of national bank is clear:
To be truly outstanding and best specialist co-op of the Pakistan and build up a decent connection
amongst clients and make their future well.
2.5. Mission:
They are working like a group with an overwhelming coordinated effort all through the banks of
Pakistan. They are endeavoring to build up a long haul and fruitful association with its clients.
They are concentrating on since a long-time ago finished relations.
2.6. Core Values:
MCB bank has its center esteems which are given beneath;
 Integrity:
They are relying upon respectability for the representatives this is a standout amongst the most
trustful and dedicated association of the Pakistan people groups trust on MCB bank constrained
on the grounds that they have make this.
 Excellence:
This is the most mindful bank of the Pakistan they are intensely depending on the dedication which
they have made with their clients or investors.
 Customer Centricity:
Clients are the key which educated us regarding the accomplishment of any item and any
association they are thinking about ether clients needs and needs. They are endeavoring to full fill
the responsibilities and pull in the clients.
 Innovation:
There is the reward framework in a Mcb bank which is utilized to energize a people or
representatives to bring some development they are well coming the new thoughts and creative
techniques in a bank.
 Respect:
It is the fundamental component in each association you need to regard all. Mcb bank is
exceptionally strict in arrangement of regard to their clients. There is a protestation box and online
framework for the clients and workers.
 2.7. Targets of MCB Bank:
MCB bank has following targets which are given underneath:
 To offer quality.
 To bring advancement.
 To achieve the global level.
 Motivate a staff.
 Hire specialists and experts.
 They have faith in doing work in time, so they are conveying their relegated
obligations in time.
2.8. Nature of Business:
MCB Bank is one of the leading and growing banks in Pakistan, and they are providing
convenience to customers in various industries:
 Commercial Bank.
 Agricultural level.
Muslim banks began operating in the agricultural sector in 1973, and they have established more
branches to support Pakistan's agricultural and agricultural operations. They are engaged in short
and long-term loans for agricultural and agricultural equipment.
Pakistan's Muslim commercial banks now have more than 1,200 branches. Muslim banks have
overseas branches operating in other countries.
2.9. Business Volume/ Size:
Muslim Bank is one of the larger banks in Pakistan and has more than 1,200 branches working in
Pakistan, and they have many overseas branches operating on a country border. They have
installed more than 690 automatic teller machines, customers 24 hours a day to recover customers.
 2.10. Number of Employees:
It is estimated that MCB Bank has 13,000 employees
2.11. Head Quarter:
Headquarter of the bank is in Karachi.
Board of Directors:
Names Position

Main Mohammad Mansha Chairman

S. Muhammad Munir Director

Rafi Khan Director

Aslam Ahmed Director

Anwar Zeb Director

Mohd Suhail Amar Suresh Bin Director

Imran Maqbool President

 2.12. Some financial highlights:
This is an explanation of the performance of the organization and how much of their operations
and their income are. This is a very useful analysis of the organization's financial situation.
Muslim commercial banks are one of the market leaders in Pakistan, they are very profitable, the
market is highly competitive. On the basis of this analysis company, they make decisions for the
future.
The following reasons are as follows:
 Make a decision.
 Measure profitability.
 Shareholders' shares.
 Cost measurement.
 Understand the company's position.
2.13. Leverage Ratios:
These are the proportions of the ability to measure the ability of an organization to fulfill its
obligations. There are specific formulas used to get real value.
Some ratios are as follows:
• DebtRatio.
• Debt/Equity Ratio.
• CapitalRatio.

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 1) Debt Ratio:
This ratio is used to measure the position of an enterprise to perform its obligations in the
short term.
D.R= Totalliability/TotalAsset*100 Thousand
Totalliability TotalAsset Debt ratio

2017 1,177,219,061 1,321,009,827 0.89

2016 910,187,056 1,051,813,681 0.86

Interpretation:
These Rae the ratio which tell us about the percentage of assets of a bank which is get through
debt. In this ratio we have found that most of the assets are financed through debts. And average
difference is about 2%.

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 2) Debt to Equity Ratio:
= Total Debt/Total Equity
Thousands
TotalDebt TotalEquity Debt to equity

2017 1,177,219,061 11,130,307 105.46

2016 910,187,056 11,130,307 81.77

Interpretation:
I saw bank debt rising from 2015 to 2016, again in 2016. In this ratio, we compare the debt to the
equity. This ratio shows that the share capital is less than the debt. This is a good sign of MCB
Bank.

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 3) Capital Ratio
CR= Total Share Holder Equity/Total Asset*100
Thousand
Years Equity TotalAsset Capital Ratio

2017 11,130,307 1,321,009,827 0.84%

2016 11,130,307 1,051,813,681 1.05%

Interpretation:
The capital ratio tells us the proportion of assets that are funded through equity. The proportion of
most of the time is favorable in the organization. 2014-16, three years, MCB bank average ratio of
11.82.

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 2.14. Profitability ratios:
These are the ratios used to understand or find organizational income. Some profit margins are as
follows:
 ROA.
 ROE.
 EPS.
1) Return on Assets:
ROE=Net Profit/ TotalAsset *100
Net Profit TotalAssets ROA

2017 7,542,680 1,321,009,827 0.57%

2016 4,694,316 1,051,813,681 0.44%

Interpretation:

This ratio tells us how much money the bank earns in the asset. MCB has an average net asset
value of 3% over the past three years. They must concentrate on making them high. They have
more than the proportion of the industry, the bank is very effective.

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 2) Return on total Equity:
ROE= NetProfit/TotalEquity*100
NetProfit TotalEquity MCB

2017 7,542,680 11,130,307 67.76%

2016 4,694,316 11,130,307 42.17%

Interpretation:
This ratio tells us that the rate of return on assets means that our return on assets is how
much we are effective.
The return on property assets of Muslim commercial banks declined after 2016, and the
increase in spending may decline, which is not a good sign for banks. But on the other
hand, the return is so much the industry standard.

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 3) Earnings per Share:

EPS=NetProfit/Share outstanding
Net Profit No. of O/S MCB

2017 7,542,680,000 1,113,030,700 67.76

2016 4,694,316,000 1,113,030,700 42.17

Interpretation:
This is the company's profit on its stock. If it will increase will be a good sign if the reduction
will be negative for the company.
The proportion of MCB banks is on the rise, which is a very good sign for the company and its
shareholders. Better attract shareholders, improve profitability.

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 CHAPTER 03
PRODUCTS AND SERVICES OFFER BY MCB
3.1. Product & Services:
3.2. Corporate financing:
Corporate finance can be expanded by financing options, including working capital loans, term
advances, exchange fund management, and speculative funds.
3.3. Working Capital Advances:
In light of the client's particular needs, the Corporate Bank offers various distinctive working
capital financing offices including Running Fund, Money Back, Fare Renegotiate, Before
shipment and after shipment. Create tailored arrangements to see a necessity for your business.
3.4. Term Credits:
MCB offers short- and medium-term returns to meet capital consumption, as well as our customers'
current and current liquidity requirements. These advances are organized in the context of the basic
mission quality and capital flow of the business.
3.5. Exchange Fund Administrations:
Under the corporate management of an account, MCB offers exchange rate benefits that
incorporate a full range of import and tariff exercises, including the issuance of letters of credit
(L/C), acquisition of shipping files, certifications and other administrations.
3.6. Cash Administration:
Monetary regulators provide a variety of important additional management agencies to large
enterprises through a large online branch system. Our organized and adjusted projects enable our
clients to understand that their business continues rapidly throughout the country and is maintained
by ongoing management information systems.
3.7. Exchange Banking Division:
Exchange Account management provides a wide variety of meaningful administrations that add to
important businesses through its huge system of constant organization of online branches. Our
organized and retouched items empower our customers to realize that their business continues
rapidly from any part of the country, backed by the MIS continuum.

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The essential items offered by Exchange Managing an account Division are as under:
 Accumulations.
 Installments.
 Channel Financing.
 Nearby Rupee Drawing Course of action.
 Home Settlements.
3.8. MCB Retail Banking:
3.9. Deposit Account:
1. Current Account:
MCB Bank offers a variety of current records to compel requirements based on regular values of
different clients. These records guarantee simplicity and flexibility for banking from any of the
nation's 1,100 branches. The various records include: the fundamental record that has no base
setting; Business Record offering free online exchanges, request requests, payment requests and
more to meet daily business needs Current life record offering additional security at no cost; and
for all others the usual current record.
2. Saving Account:
It offers a wide exhibit of investment funds items that suit here and now development and value-
based requirements. Our bank accounts offer alluring benefit rates and additionally adaptability to
execute. Investment funds extra is focused for clients having Rs. 5 million store, 365 Gold offers
benefit rate on every day adjust while PLS investment funds has a lower least adjust prerequisite.
What's more, a one of a kind item: Keen Reserve funds is a record run exclusively by means of a
charge truck, offering an exceptionally aggressive rate to little savers.
3. Foreign Currency Account:
Appreciate the certainty of working a worldwide record, locally. MCB Outside Cash Record offers
the alternative of procuring appealing profits for your Remote Money Venture.

4. 365 Gold Account:

MCB Funds 365 Gold Record offers you an extensive variety of alluring benefit rates. The MCB
Sparing 365 figures benefits on a day by day item premise and gives you the office of boundless
withdrawals.

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 5. Smart Dollar Account:
MCB Keen Dollar Record is a sensible approach to keep up or develop your US Dollar store
crosswise over USD Current, Funds or Term Stores.
6. Unique Term Deposits:
With a wide variety of decisions and tenors, you can open at least one term store account that best
suits your current or long-range needs. MCB Term Stores offers attractive speculation alternatives
in the short and medium term with adaptability, convenience and security. With different tenor
alternatives, accessible customers can choose one that suits their needs. This adds to several
benefits payment options and the additional office to have the ability to take advantage of the credit
bureaus of their stores.
7. Business Account:
MCB Business Record gives you a chance to construct your business through the accumulated
funds from marked down exchange charges, and that's just the beginning
8. Sparing Extra Account:
MCB Investment funds extra Record offers you an extensive variety of appealing benefit rates.
Develop with MCB extra by sparing increasingly and gaining more prominent benefit.
9. Current Life Account:
The scope you requirement for the life you lead. MCB Current Life gives you the significant
serenity of exhaustive extra security in a present record and fits directly into your way of life
10.Mahana Khushali Bachat:
MCB Month to month Khushali Plan furnishes you with an unfaltering pay each month. Simply
buy a Month to month Khushali Testament and you will appreciate a relentless wage of your
aggregate store each month. Terms store.

11.MCB Bancassurance:
By joining the best of maintaining money and protection arrangements, MCB Bancassurance has
made a unique search for all your monetary and protection needs. Regardless of whether you need
to leave something aside for Tyke's training or marriage, for balance security after retirement or
to increase the most extreme profits for mutual funds, MCB Bancassurance has an agreement just
for you

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  Flexi Life.
 Life Partner.
 Edu Care.
 DreamWedding.
 CapitalSure.
 Retire Easy.
 Income Max.
 FutureAssure.
 ProtectionPlan.
12.MCB'S Remittance:
Fast, safe and simple use, MCB settlement management is an effective way to convert foreign
cash. You can send any country's store to Pakistan through a quick frame.
The MCB Home Settlement provides a consistent inflow of external settlements recorded in the
recipient's records within minutes. At the same time, our assigned branches can also allocate
interest for Xpress cash, Samba (Speed Money Now) and MoneyGram, as well as currency
installments from different journalists around the world.
3.10. MCB Credit Items
1. Car for you:
MCB car for you and not just get your own car decision, but at the same time moderate
concentration increase, to adapt to the conditions, simple handling or more of all, no enveloped
costs.

2. Business Sarmaya:
The great income is the way of any effective business. MCB Business Sarmaya provides a
management fund office for your home / level to maintain a consistent income for your business.
3. Pyara Ghar:
MCB Pyara Ghar is the perfect look for your own specific bank, giving you an opportunity to buy,
redesign or develop your home in the way you need it. Having your own home has never been so
natural.

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 4. Simple Individual Loan:
MCB Simple Individual Credit furnishes you with the monetary favorable position to do things
you've for a long while been itching to however never had the adequate assets for. Take that
genuinely necessary occasion. Purchase an auto. Refurnish your home. Buy another television.
Back a superior instruction for your kids.
5. Instant Finance:
With MCB moment Back get an advance right away at any MCB branch against fluid insurance
at aggressive evaluating.
6. MCB Rupee Travelers Cheque:
The nationwide installment is a method of asylum and security. MCB Rupee Voyagers Check as
the market pioneer, is the most widely accepted way to pay for travel-related purposes MCB Rupee
Explorer checks were first provided in 1993 as travel and travel related purpose protection money.
3.11. MCB Online Services:
1. ATMs:
MCB has one of the largest ATM systems in the country and has more than 450 ATMs that have
not yet been developed. MCB ATM provides you with 24-hour refund, small payment, service
charge installment, reserve exchange management and so on. With MCB portable ATM not only
we give you world-class savings of money, we also give comfort. Our innovative multifunctional
ATM ensures that you are managed around you.

2. Call Center:
The best MCB call approach in class is the right decision to keep you at risk with your always
tumultuous calendar by providing you with benefits that are identified with your Savvy registration
and card at any time. There is no less demanding approach for the bank than the new MCB Call
Center updated every minute of every day, combining breakthrough and convenience to provide
money-saving Administrations that go beyond desires. With MCB Call Center you can keep your
VISA and ATM / Platinum credit cards, verify that your registration is adjusted, confirm the last
5 exchanges, pay utility bills and cell phones, recharge your laptop, pay MCB Visa of your MCB
account, change cash within your own MCB records and enlist the protest.

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 3. Mobile Banking:
At the forefront of the mechanical advantage, MCB is happy to present MCB portable savings.
MCB Portable is a quick and easy way to motivate your phone, exchange cash, pay for it, and do
more work. For non-compelling reasons to visit the branch or ATM, please use your mobile phone
at www.mcbmobile.com and start execution.
4. Bill Payments:
MCB simple bill pay offers unmatched accommodation to pay your utility and cell phone bills or
re-charge your prepaid cell phone accounts anyplace, whenever with security and true serenity.
MCB is the main bank that offers you 3 advantageous choices of making charge installments to
PTCL, SSGC, SNGPL, KESC, Mobilink, Supernet, IESCO,HESCO, and Ufone. Along these
lines, spare your valuable time by maintaining a strategic distance from long lines and pay your
bills through MCB Simple Bill Pay.
5. Online Banking:
MCB has a quickly developing system of more than 1,100 online branches in the nation giving
clients continuous online exchange offices.

3.12. MCB CARDS:

1. Smart Card:
MCB Smart Card is the key to authorizing access to help manage account management.
Sophisticated cards allow you to process your records, return funds, exchange reserves, pay
utilities and multi-function bills, activate prepaid associations, register for portable and network
savings funds, and more. The comfort and adaptability of the MCB SmartCard will enable you to
live a smarter life. This will allow you to process your costs and eliminate the inappropriate
enthusiasm of your daily charge card exchange. Your adjustment is reliable in your compass, you
spend the appropriate. MCB is now a safe and useful installment tool for MCB smart cards with
unparalleled functionality. It provides a 24 hour guide to access your ledger.

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 2. Debit card:
Presently MCB brings a safe, advantageous and snappy installment office that empowers you to
do buying by utilizing your current MCB ATM/MCB Brilliant Card as a Charge card.
3. Visa Credit card:
MCB offers a total package of Visa, Great, Gold and Platinum payment cards that focus on giving,
prevailing management, travel benefits and shopping joy. In addition, it offers extensive protection
and portion designs, compensate bulbs and SMS precautions that give an alternative environment
to the universe of charge cards. These outstanding highlights incorporate i-rotate, which makes the
variable rate of increase accessible to customers, allowing them to reimburse at moderate rates.
3.13. MCB Investment Banking:
Managing an account Capitalize on your riches with venture openings that match your
extraordinary money related yearnings. MCB Venture Administrations offer dissemination of
shared assets oversaw by the main store administrators of Pakistan. We can recommend the items
most suited for your requirements, or work with you to make a customized arrangement totally
centered around your desires of the capital markets MCB objective is to give best monetary
answers for customer helping them accomplishing their destinations and bolster financial
development of the Nation.
The essential administrations offered by venture saving money are as under:
3.14. Project And Structured Finance:
Undertaking and Organized Back Includes financing complex tasks, normally in a SPV structure,
where the credit is firmly organized around the money streams, dangers are designated among
different partners, and there is constrained or no plan of action to the supporters.
3.15. Syndicated Advances and Debt Capital Markets:
It includes organizing/consultative course of action, guaranteeing and position administrations for
noteworthy financing necessities by huge corporate and institutional customers to other monetary
foundations or through the obligation capital markets.
3.16. Quasi Equity:
It structures and places a class of obligation that has a few attributes of value, for example, being
unsecured, subordinated or with a potential value upside.

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 3.17. Value Capital Raising:
Value Administrations identify with raising capital for customers by offering normal or favored
value to open or private financial specialists, through beginning open offers, offers available to be
purchased, rights issues and private value arrangements.
3.18. Advisory Services:
Budgetary and Capital Raising Consultative furnishes customers with money related counseling
administrations, business organizing backing and access to capital assets to help organizations
effectively fund their business/venture.
3.19. Facility Administration:
The management of the Unified Exchange on the management of insurance fees, such as office
commissioners, security trustees, business inspection banks, book text messages and so on.
3.20. Business Saving money:
Corresponding projects and management, for example, transfer credits that may be packaged with
our speculative account, exchange management and currency management.

3.21. MCB Agriculture Products:

MCB has been giving fund to the agribusiness segment since 1973. With the assistance of our
tremendous branch arrange, specific staff posted in the branches, various and expanded item
extend, we oblige the financing prerequisites of the cultivating group spread all through the nation
and encourage in accomplishing expanded profitability.
1. Shadabi Plan:
Shadabi Plan provides food the financing requirements for creation exercises on the ranch which
chiefly incorporate seed, pesticides and manures alongside arrangements for random costs like
installment of power and diesel bills of tube-wells, upkeep costs for tractors and so forth things
according to rundown of Qualified things.

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 2. Khushali Plan:
Under Khushali Plan advances/accounts are took into account cultivate/non-cultivate credits which
incorporate settled speculations/working capital prerequisites. Measure of funds authorized rely
on the credit necessity and security.
Financing for arrive leveling/advancement, overwhelming types of gear, farming hardware,
vehicles/transport for agri design are secured under this plan. There might be other advancement
ventures proposed by the ranchers falling with in the ambit of agri financing, which can be
considered under this plan.
3. Tractor Fund Plan:
To help up the motorized cultivating in the nation, Tractor Back Plan is acquainted with offer
particular administrations to agriculturists. Under this plan, there is no prerequisite of least land
holding on account of multipurpose utilization of tractor for agribusiness cum business. In any
case, the reimbursement limit and potential utilization of tractor will be assessed at the season of
credit preparing.
4. Aabiari Plan:
Under the Aabiari plot, financing offices for tube well, different wells, water system frameworks
of numerous kinds including sprinklers are secured. The reason for existing is to encourage the
ranchers in conquering the deficiency of water for development/estate since water is basic
prerequisite for crops.
5. Cultivator Finance:
Cultivator Fund is a remarkable method for financing enlisted/(bonafide) producers/agriculturists
of sugarcane, cotton and rice(mills). The unique trademark is that the financing offices are
stretched out to ranchers against the Plant/Production line ensure. Settled/skimming charge might
be made on the Factory's benefits and the advance is dispensed straightforwardly to the producers.
This back is here and now in nature however the residency may stretch out to eighteen months if
there should be an occurrence of cultivators of sugarcane.
6. Dairy and Meat Plan:
The arrangement is gone for advancing the Dairy part and meat creation in the nation. The ranchers
are stretched out financing offices to buy dairy creatures for drain and for the foundation of

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creature swelling stations to expand meat generation on business line, along these lines
empowering the agriculturist to make more pay.
7. Murghbani Plan:
Murghbani Plan covers widely all necessities of the poultry business with concentrate on
encouraging the agriculturists. We offer financing offices of a wide range of exercises in the
esteem chain beginning from foundation of poultry ranches framework to all prerequisites in the
process till the last output including showcasing of the same by the agriculturists. Esteem
expansion process by the agriculturists for poultry handling is additionally secured under the plan.
8. Baghbani:
The plan goes for encouraging the agriculturists occupied with cultivation by broadening credit
offices covering the whole scope of related exercises. The proposition are surveyed keeping in see
the market potential and reimbursement limit in light of the money streams of the movement. The
agriculturists are broadened all sort of credit offices required to create natural products and
vegetables of better quality. The reimbursement of the credit is according to rancher
accommodation or connected to edit cycle and timings of money streams. Offices like running
fund, working capital necessities, foundation improvement, hardware and gear, water system and
so on are altogether secured under this scheme. Progressive ranchers are exceptionally energized
9. Mahigeri Plan:
Mahigeri Plan obliges the credit needs of fish ranchers covering whole scope of exercises including
promoting of their create. The credits are of short, medium and long haul contingent on the reason.
Financing for esteem expansion process by the fish ranchers is likewise secured under the plan.
3.22. Virtual Banking:
MCB gives the comfort of keeping money by means of web, regardless of whether at home, office
or on travel, sign on to www.mcb.com.pk and appreciate 24 hours access to every one of your
records at MCB for awesome number of administrations, for example, Assets Exchange, Service
Bill Installments, Versatile Best ups and considerably more.
 Nitty gritty Record Synopsis of every single recorded record.
 Smaller than usual proclamations of each of the recorded records demonstrating late
exchange history for that account(s).
 Explanation by-Time of each of the recorded records, in view of the period determined.

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  Quick or Planned Exchange of Assets between your own records, and also to outsider
records setup as recipients, keeping up accounts with MCB.
 Booking of 'One-Time' and in addition "Repeating" Assets Exchanges.
 Installment of service bills for enlisted Service Organizations.
 Quick or Booked Bills Installment. Booking of 'One-Time' and "Repeating" charge
installments. Alternative for "Full" or "Fractional" installment in light of the installment
conditions determined by a specific Service Organization.
 Mass Pay Exchange for Corporate Clients, to encourage them in paying pay to the
corporate workers, who keep up accounts with MCB.
 Mass Assets Exchange for Corporate Clients.
 Check Book Ask for any of your recorded records.
 Installment/Exchange Alarms for reminding, ahead of time, preceding the handling of
determined installments and exchanges.
 Individual Alarms for helping to remember pre-indicated occasions and events.

3.23. Islamic Banking:

With the assistance of Shariah authorities, legal advisors and expert business investors, MCB
Islamic Saving money gives Riba Free and Shariah Consistent answers for different client
fragments in a developing number of urban areas.
1. Deposit Scheme:
For clients who are searching for a store opportunity where they can handbag their assets and
harvest halal profits for it, MCB offer the accompanying items:
Al-Makhraj Saving Account.
Al-Makhraj Lanat Account.
Al-Makhraj Term Deposit.
2. Reserve Based facalities:
MCB offers 3 wide Islamic reserve based offices:

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Ijarah
Murabahah
Reducing Musharika Hardware
3. Ijarah Items
The Islamic Ijarah of MCB, undifferentiated from the English expression of "rent", depends on the
idea of 'Ijarah wa Iqtina', which implies offering the advantage to the resident after Ijarah has been
developed. Under this plan, MCB will be the owner of the benefit, and the client (tenant) will have
the advantage of using it for a specific period of time as a by-product of monthly rental fees.
MCB will give a different and unilateral compromise that it will offer to present the benefit to the
client (tenant) in developing the understanding of Ijarah to a value that could be equivalent to the
sum of the security store, hence the term ' Wa Iqtina '.
Types of Ijarah
 Auto Ijarah
 Equipment Ijarah

4. Murabahah:
It is an agreement between a purchaser and a dealer under which the later first buys the
merchandise at the demand of the previous i.e., client and afterward pitches it to same client in the
wake of including benefit.
Murabah Deal Cost = Cost + Costs brought about + Concurred Benefit
5. Musharika Equipment:
It is an agreement through which the bank and its client take an interest in the joint responsibility
of the property. The Bank's offer is further isolated in several units and agrees that the customer
will buy the bank's offer from time to time, thus extending its own offer to the point where each
of the bank's units is purchased by him for The client is the sole owner of the property.
3.24. Benefit Saving money:
The first of a nearby bank, MCB Benefit through its dedicated, world-class Benefit Focuses offers
a higher amount of personalized administrations, as well as offset branch meetings and a wide
display of store items and customized businesses to meet the money related wishes for a princely
customer base. As individuals of MCB Benefit, customers find unparalleled points of interest that

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put them in front of others. The dedicated benefit of MCB focuses on welcoming you in Karachi,
Lahore, Islamabad and Multan, with plans to expand to more areas.
3.25. Other Service:
1. MCB MNET:
MNET is an electronic between bank network stage for online exchanges on ATM and other
remote saving money channels. It offers other Esteem Included Administrations that incorporate
an arrangement of e-keeping money and installment framework items and administration and
everyday operations of the same. Individuals incorporate 10 nearby and remote money related
foundations getting a charge out of ATM sharing and Esteem Included Administrations.
2. MCB Salary Club:
A finance arrangement intended to make life simple; it improves all the regularly scheduled finance
related managing an account needs of businesses and opens the way to a universe of exceptional
offers for representatives. Compensation Club gives the accommodation of having a broad scope
of budgetary administrations accessible to representatives at their work environment.
3. MCB Lockers:
MCB Lockers are the best assurance for your assets. Lockers of various limits are accessible across
the country.
4. MCB SMS Banking:
Saving money readily available SMS whenever to get data with respect to adjust, small scale
explanations and Visa related data once your card is connected.
5. MCB Entire Day Banking:
Appreciate the comfort of stretched out managing an account hours from 9am to 5pm, including
Saturdays at MCB Entire Day Keeping money branches the nation over.

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 CHAPTER # 04
SWOT ANALYSIS
4.1) Bank analysis:
These are the examination which is taken in any bank or any association to know the position of
the firm. There are 04 components in this examination which must be measured and watched:
 Weaknesses.
 Opportunities.
 Threats.
 Strengths.

In this investigation an association recognized its shortcomings qualities and so on to take the
choices making. There are following purposes behind this examination.
 To take a choice.
 Change in association.
 Bring new advancement.
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  Measure position of the firm.
 Analyzing benefits and faults.
These are exceptionally valuable investigation in each firm to show signs of improvement position
of the firm and extremely accommodating in the event of get change association.
4.2) Strengths:
A portion of the accompanying qualities that MCB bank has are given underneath:
 MCB is one of the more established bank of Pakistan.
 It is Pakistan initially privatized bank.
 They continually bring imaginative thoughts and creative administrations.
 They have caught a substantial piece of the pie.
 They have different items and administrations.
 They have more than 1200 branches.
 They are working over the outskirt.
 There are 600 ATM machines introduced in various urban areas of Pakistan.
 They have a large number of clients.
 This is one of the business bank of Pakistan.
 MCB bank is the better specialist organization.
 They have inviting items and plans.
 They have all around spurred staff.
 They enlisted specialists and experts.
 Most of the branches are on the web.
 They are utilizing around date programming.
 They have a decent preparing framework.
 They are exceptionally productive in exchange of cash.
 They have offered exceptionally shoddy rates on various exchange.
 They are putting forth free Visas.
4.3) Weaknesses/Shortcomings:
 Lack of promoting techniques
 Very less commercial
 Products and administrations are not as much as contenders

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 Lack of adjustment of new change
 Nepotism
 Political impedance
 Good preparing
 Less propelled bring down level staff
 High working hours
 Lack of chances with respect to preparing to representatives.
 Still some branches are not on the web
 Low salary of some branches
 Time spending strategy to open a record

4.4) Opportunities:
 To put resources into CPEC
 Target the tribal regions
 Open new branches in abroad
 Installed new and current ATM
 Installed new programming which is t24
 Addition of very qualified proficient can change the entire situation and position of the
bank in the event that they have given the due freedom in playing out their obligations.
 Improve the style of administration
4.5) Threat:
 One of the colossal dangers is flimsiness of the legislature.
 As we realize that Pakistan government is not steady unfailingly.
 Change in principles and control of government.
 Inflation rate is a colossal danger.
 Increase of contenders.
 Entrance of multinational banks.
 Competitors items and administrations.

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  Competitors adjustment of new innovation.

Chapter # 05
CONCLUSION AND RECOMMENDATIONS
5.1 Conclusion:
 MCB bank is one of the main bank of Pakistan they have exceptionally alluring items and
administrations. MCB have its exceptionally old presence and it is Pakistan one of the main
privatized bank in the market.
 They have assumed a key part being developed of an economy. They have given different
chances to the people groups in the term of employments and exchange of cash starting
with one place then onto the next place.
 MCB bank is continually endeavoring to acquire some development their association. They
have contracted numerous specialists and expert people groups to run the association. Also,
it is controlled by top ten people groups of the Pakistan.
 As we realize that managing an account assumes a key part in the economy of a nation. In
bank, we made exchange they are assuming the part of center men between the business
exchanges and encourage the exchange.

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  Throughout my work there I found that MCB bank is outstanding amongst other banks of
Pakistan. I discovered staff average faithful and persevering. I have taken in numerous
things from them they were exceptionally helpful to me.
 Staff of the bank is extremely persevering and spurred. They do their work legitimate on
time with fearlessness.
 Internship is imperative things previously go into the expert life. Understudies get certainty
and dissect their self possibly they have a capacity to do work or not.
 At the finish of report I have keep in touch with some proposal for the bank.

Recommendation:
To enhance the state of the branch I have given some proposal to the bank. Some are given
underneath:
 I have seen a substantial work stack on representatives of the Muslim boycott they need to
contracted new representatives for the bank to appropriate disperse the work.
 Most of the representatives work till night they need to procure youthful people groups
since they are very mindful about new innovation.
 They need to appropriately think watch exchange of workers I have seen that a few
representatives are still on a similar post for a long time.
 They need to change the arrangement of the bank a large portion of the PCs are extremely
old. They don't indeed, even work in surge hours.
 They must build up a preparation framework for their new workers. The vast majority of
the representatives are being prepared on genuine down to earth work.
 They need to appropriately influence an occupation to outline, each day there were changes
the employment title of the people groups.

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 Internal review and framework ought to be moved forward.
 Administration disadvantages ought to be enhanced by the strict control of general issues.
 There must be course of action of month to month meeting in which they were asked to the
representative's session the issues of their branches.
 There must be a councilor in every single branch of the bank for the representative's to get
alleviation from strain because of which of worker's put their best exertion for the
advancement of association.
 Reward framework must be clear and on justify.
 Promotion of workers is essential they need to consider the best possible execution and
capacities and aptitudes of the representatives.
 Some utilizes pay rates are low they need to concentrate on these parts of the workers.
 Bank administration may attempt to give every single essential need to their
representative's so as to get best return, and to make them faithful to work. E.g. Pick and
drop administration, lodging and therapeutic offices.

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