Evaluation of the management System of JS bank Pakistan, which include introduction, history, Products details and Interview Questions we ask about there management style/system.
Internship report on js bank by labeeda faridLabeeda Farid
I am student of MBA 1.5 Regular in University of Sargodha session 2014-2016.I have done my internship in JS Bank Rabwah Branch in 2015. This is my internship report on JS Bank as required by the University of Sargodha and JS Bank.
The document provides an overview of the National Bank of Pakistan (NBP), including its history, vision, mission, goals, organizational structure, products, and departments. NBP was established in 1949 and acts as an agent for the State Bank of Pakistan, with over 1,200 branches across Pakistan. The report also discusses NBP's financial performance, awards, subsidiaries, and banking services and products offered to consumers and businesses.
This document is an internship report submitted by Muhammad Yasir to KASBIT University in 2013. It provides an overview of Yasir's internship at MCB Bank, including a brief history of MCB Bank highlighting its development, nationalization, and privatization phases. The report also describes MCB Bank's mission, core values, key operations like general banking, clearing, remittance, accounts, and cash departments. It provides details of the processes carried out in these departments.
The document discusses the CAMEL model for evaluating the operational efficiency of banks. CAMEL stands for Capital Adequacy, Asset Quality, Management Efficiency, Earnings Quality, and Liquidity Position. Each component is measured using specific ratios and assigned a rating from 1 to 5, with 1 being the highest rating. The document provides detailed descriptions and thresholds for rating each CAMEL component. It also includes an example of how the ratings would be applied to calculate a composite score for a bank's performance evaluation.
The document provides an internship report on the general banking activities of Southeast Bank Limited. It discusses the bank's organization overview including its mission, vision, and objectives. It also analyzes the bank's strengths, weaknesses, opportunities, and threats through a SWOT analysis. The report describes the bank's general banking functions like account opening, cash receipt/payment, clearing activities. It finds that while the bank has experienced employees and cooperative environment, it lacks manpower, computer knowledge, and training. It provides recommendations like expanding online banking, increasing manpower and marketing to attract more customers.
Marketing strategies for rural banking servicesSachin7443
This document discusses marketing strategies for rural banking services in India. It notes that rural banking started with the establishment of the banking sector in India and mainly focused on the agricultural sector. There are over 14475 rural banks in India, with over 2126 located in remote rural areas. The document recommends that banks provide more financial inclusion and use of microcredit/self-help groups. It also suggests using new technologies, alternative distribution channels, and improving service levels in rural areas. The government is asked to establish an authority for rural banking and a strategic action plan for remittance facilities between banks and post offices. Banks should expand their reach through partnerships and kiosk banking, educate customers, be cost-effective through low-cost AT
internship report on Credit management policy of janata BankMd. Shohel Rana
This document is an internship report submitted by Muhammad Belal Uddin on the credit management policy and performance analysis of Janata Bank Limited's Lalbagh Branch in Rangpur. It includes an introduction, organizational profile of Janata Bank, an overview of the Lalbagh branch, description of the intern's work areas, analysis of Janata Bank's credit management policy and performance, and findings and recommendations. The report was prepared as part of BBA program requirements and provides insight into Janata Bank's lending practices and financial performance based on the intern's three-month experience at the Lalbagh branch.
Internship report on js bank by labeeda faridLabeeda Farid
I am student of MBA 1.5 Regular in University of Sargodha session 2014-2016.I have done my internship in JS Bank Rabwah Branch in 2015. This is my internship report on JS Bank as required by the University of Sargodha and JS Bank.
The document provides an overview of the National Bank of Pakistan (NBP), including its history, vision, mission, goals, organizational structure, products, and departments. NBP was established in 1949 and acts as an agent for the State Bank of Pakistan, with over 1,200 branches across Pakistan. The report also discusses NBP's financial performance, awards, subsidiaries, and banking services and products offered to consumers and businesses.
This document is an internship report submitted by Muhammad Yasir to KASBIT University in 2013. It provides an overview of Yasir's internship at MCB Bank, including a brief history of MCB Bank highlighting its development, nationalization, and privatization phases. The report also describes MCB Bank's mission, core values, key operations like general banking, clearing, remittance, accounts, and cash departments. It provides details of the processes carried out in these departments.
The document discusses the CAMEL model for evaluating the operational efficiency of banks. CAMEL stands for Capital Adequacy, Asset Quality, Management Efficiency, Earnings Quality, and Liquidity Position. Each component is measured using specific ratios and assigned a rating from 1 to 5, with 1 being the highest rating. The document provides detailed descriptions and thresholds for rating each CAMEL component. It also includes an example of how the ratings would be applied to calculate a composite score for a bank's performance evaluation.
The document provides an internship report on the general banking activities of Southeast Bank Limited. It discusses the bank's organization overview including its mission, vision, and objectives. It also analyzes the bank's strengths, weaknesses, opportunities, and threats through a SWOT analysis. The report describes the bank's general banking functions like account opening, cash receipt/payment, clearing activities. It finds that while the bank has experienced employees and cooperative environment, it lacks manpower, computer knowledge, and training. It provides recommendations like expanding online banking, increasing manpower and marketing to attract more customers.
Marketing strategies for rural banking servicesSachin7443
This document discusses marketing strategies for rural banking services in India. It notes that rural banking started with the establishment of the banking sector in India and mainly focused on the agricultural sector. There are over 14475 rural banks in India, with over 2126 located in remote rural areas. The document recommends that banks provide more financial inclusion and use of microcredit/self-help groups. It also suggests using new technologies, alternative distribution channels, and improving service levels in rural areas. The government is asked to establish an authority for rural banking and a strategic action plan for remittance facilities between banks and post offices. Banks should expand their reach through partnerships and kiosk banking, educate customers, be cost-effective through low-cost AT
internship report on Credit management policy of janata BankMd. Shohel Rana
This document is an internship report submitted by Muhammad Belal Uddin on the credit management policy and performance analysis of Janata Bank Limited's Lalbagh Branch in Rangpur. It includes an introduction, organizational profile of Janata Bank, an overview of the Lalbagh branch, description of the intern's work areas, analysis of Janata Bank's credit management policy and performance, and findings and recommendations. The report was prepared as part of BBA program requirements and provides insight into Janata Bank's lending practices and financial performance based on the intern's three-month experience at the Lalbagh branch.
- The document is an internship report prepared by Abdullah Baig about his 8-week internship at the National Bank of Pakistan in Quetta.
- It provides information about the bank's history and operations, including its vision, mission, branch network, organizational structure, and the departments Abdullah worked in such as pensions, account opening, clearance, and remittances.
- The report also includes a SWOT analysis and conclusions from Abdullah's experience at the bank during his internship.
Bank Alfalah Limited was incorporated in 1992 and commenced banking operations in 1997. It is owned by the Abu Dhabi Group and is the sixth largest bank in Pakistan with over 500 branches. The bank provides various financial products and services including consumer banking, corporate banking, Islamic banking and branchless banking services. It recently rebranded in 2015 by changing its logo and color scheme. The document discusses the bank's vision, management team, products, services, branch network, CSR initiatives and SWOT analysis.
SBI is looking to launch a new digital banking platform called "X-by SBI" to attract younger customers. The presentation discusses conducting research on youth banking habits which found that youth prefer private banks for their better technology and customer service. It also found SBI is perceived as outdated. The presentation recommends "X-by SBI" focus on providing a seamless "carefree consumerism" experience for youth by aggregating services, integrating payments across accounts, and offering deals/discounts. It suggests the brand have a creative, attitude-driven identity to stand out from competitors and gain social media traction among youth.
SIDDHESWAR CO-OPERATIVE BANK LTD, BIJAPUR arun savukar
The document provides information about cooperative societies and Siddheswar Cooperative Bank Ltd in Bijapur. It discusses that cooperative societies are voluntary associations formed to benefit members through mutual assistance. Siddheswar Cooperative Bank Ltd was established in 1912 to provide financial services to poor and middle class individuals. The document outlines the key features of cooperative societies, how they are established and registered, their administration, types of cooperative societies, and components of working capital for businesses.
This document discusses the CAMELS model for analyzing financial institutional risk. CAMELS stands for Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. It provides details on each component and what a credit analyst should consider when assigning scores to various ratios and indicators under each category. The analyst should look at regulatory requirements, growth trends, peer comparisons, and other factors. Qualitative management assessments, earnings drivers, liquidity positions, interest rate risks, and external country risks should all be evaluated as part of a comprehensive CAMELS analysis.
Integrated treasury management in banksSahas Patil
This document discusses integrated treasury management in banks. It describes the functions of a bank's treasury, including reserve management, liquidity management, risk management, and derivatives trading. It outlines the structure of an integrated treasury with front, middle, and back offices. It discusses various money market instruments in India like treasury bills, commercial papers, certificates of deposit, repos, and the Liquidity Adjustment Facility operated by the RBI. Maintaining an integrated treasury allows banks to improve profitability, manage risk, and utilize funds more efficiently.
Internship report on Investment Management: Evidence from Al-Arafah Islami Ba...Abdullah Al Roman
Internship report on investment management of al arafah islami bank ltd.
Main limitation of this report is from last years it does not publish category wise investment amount with more specification like previous year, only because of this it will little help to have a thesis on iInvestment of Al-Arafah Islami Bank Ltd.
The document provides an internship report submitted by Waqar Akber to fulfill the requirements for a B.Com degree. It includes an executive summary, introduction to JS Bank's history and operations, organizational structure, and chapters covering general banking functions, products and services, loans and advances, the author's internship experience, financial analysis, SWOT analysis, problems and recommendations. The report aims to provide an overview of JS Bank's operations based on the author's 8-week internship at the Sadiqabad branch.
JSBank is a majority-owned subsidiary of Jahangir Siddiqui & Co. Ltd. operating 323 branches in 161 cities. It commenced operations in Pakistan in 2006 as a fully scheduled bank and has grown rapidly since. JSBank offers various consumer and commercial banking services and products, including loans to microfinance institutions, SMEs, and individuals for vehicles, homes, and gold financing. Through strategic partnerships and alliances, an expanding branch network, and innovative products tailored to customer needs, JSBank aims to be the preferred financial partner for customers and generate sustainable returns.
The document provides an overview of key financial statements and concepts related to banking. It discusses the balance sheet, income statement, and statement of cash flows. It then explains key components of these statements like assets, liabilities, equity, net income, and cash flow. The document also covers concepts like leverage, net interest margin, types of bank deposits and assets, and measures of money supply.
MCB Bank was incorporated in 1947 and later privatized in 1991. It is now one of the top 5 banks in Pakistan with net assets of PKR 1 trillion. The bank has a large branch and ATM network across Pakistan and is listed on the Pakistan Stock Exchange and London Stock Exchange. It offers a variety of personal and business banking products and services including deposits, loans, digital banking and agriculture financing.
The document is an internship report submitted by Umair Khan to the Human Resource department of Albaraka Bank (Pakistan) Limited. It summarizes Umair Khan's 2-month internship experience in the HR department. The report provides an overview of the bank, describes the functions and operations of the HR department, and discusses the employee recruitment and selection process. It concludes that ABPL utilizes modern HR practices to attract and retain talented employees, which has helped the bank achieve success over many years. The internship provided valuable insights into HR management concepts such as recruiting, training, and performance assessment.
Askari Bank is a commercial bank in Pakistan that was founded in 1991 and acquired by Fauji Group in 2013. It has expanded to around 250 branches nationwide and an offshore banking unit in Bahrain. The document discusses clearing processes between banks, including inward and outward clearing of checks. It describes the role of the National Institutional Facilitation Technology (NIFT) in facilitating automated check clearing and settlement between banks through centralized processing. Key steps in inward and outward check clearing processes are outlined.
Financial Performance Analysis Of Janata Bank LimitedHasnan Imtiaz
This document provides an overview and analysis of a report on the financial performance of Janata Bank Ltd. It begins with an introduction to the bank, describing its role in Bangladesh's economy and financial system. It then outlines the objectives, methodology and scope of the report, which includes analyzing Janata Bank's financial statements from 2009-2013 to identify strengths and weaknesses. The document provides context on the bank's background, objectives, and awards it has received. It describes the report's purpose as evaluating the bank's past financial performance to help inform management decision-making.
This document is a project report on credit management and non-performing assets (NPAs) of Rajkot District Co-operative Bank Ltd. (RDC Bank). It discusses the history and background of RDC Bank, which was established in 1959. It then covers various aspects of credit management at RDC Bank, including credit policies, appraisal, monitoring, NPAs, and recovery processes. The report aims to analyze credit management practices and suggest improvements to reduce NPAs.
The document is an internship report authored by Abdullah Javed summarizing his 3 month internship at the Bank of Punjab Cavalry Ground Branch. It provides an overview of the banking system in Pakistan and the Bank of Punjab specifically. It describes the bank's vision, mission, core values and product lines which include deposit products, consumer and commercial financing, agriculture credit, trade finance and electronic banking services. The report was written to fulfill the requirements for Abdullah Javed's internship as part of his ACCA coursework.
This document provides an overview and summary of the internship report completed by Muhammad Umar at the National Bank of Pakistan, Main Branch in Islamabad. It begins by acknowledging those who helped with completing the report. The report explains the challenges faced in gathering data as an intern at NBP due to the bank's high workloads. It summarizes the purpose of the internship program and methodology used in the report. The report then provides high-level summaries of the chapters which analyze NBP's company background, board of directors, departments, services, SWOT analysis and competitive analysis.
This Presentation will represent all the information about general banking activities of Mutual Trust Bank Ltd. It also describe an intern activities report to a specific branch of Mutual Trust Bank.
internship report of Meezan Bank Hasilpur.Muhammad Waqas
This document discusses the internship report of Muhammad Waqas at Meezan Bank Limited's Baldiya Road branch in Hasilpur, Bahawalpur. It provides an overview of Meezan Bank, including its vision to establish Islamic banking as the preferred system and its mission to offer innovative Shariah-compliant products and services. The report also describes the bank's general banking, credit, and Islamic financing departments and the products and services they offer. It concludes by acknowledging those who helped and supported Muhammad Waqas in completing his internship and report.
The presentation provides overview of the Banking sector targetting to a fresh batch of MBA (Finance) students. It gives an understanding of
- foreign banks, their presence and how they are constituted in India
- Types of LOBs
- a typical LOB structure
- Banking sector in India
- Entry Level roles in India, and career selection
- Top 10 things to expect on day 1 and five things not to expect on day 1
State Bank of India is India's largest bank. It has a large network of branches in India and overseas. The document discusses SBI's vision, subsidiaries, marketing strategies, financial performance, HR strategies, and conclusions. Key findings are that SBI has a large network capacity, lower interest rates than competitors, and focuses on customer welfare and satisfaction through its products and services. Suggestions include improving network performance, customer service, facilities, and expanding digital offerings.
- The document is an internship report prepared by Abdullah Baig about his 8-week internship at the National Bank of Pakistan in Quetta.
- It provides information about the bank's history and operations, including its vision, mission, branch network, organizational structure, and the departments Abdullah worked in such as pensions, account opening, clearance, and remittances.
- The report also includes a SWOT analysis and conclusions from Abdullah's experience at the bank during his internship.
Bank Alfalah Limited was incorporated in 1992 and commenced banking operations in 1997. It is owned by the Abu Dhabi Group and is the sixth largest bank in Pakistan with over 500 branches. The bank provides various financial products and services including consumer banking, corporate banking, Islamic banking and branchless banking services. It recently rebranded in 2015 by changing its logo and color scheme. The document discusses the bank's vision, management team, products, services, branch network, CSR initiatives and SWOT analysis.
SBI is looking to launch a new digital banking platform called "X-by SBI" to attract younger customers. The presentation discusses conducting research on youth banking habits which found that youth prefer private banks for their better technology and customer service. It also found SBI is perceived as outdated. The presentation recommends "X-by SBI" focus on providing a seamless "carefree consumerism" experience for youth by aggregating services, integrating payments across accounts, and offering deals/discounts. It suggests the brand have a creative, attitude-driven identity to stand out from competitors and gain social media traction among youth.
SIDDHESWAR CO-OPERATIVE BANK LTD, BIJAPUR arun savukar
The document provides information about cooperative societies and Siddheswar Cooperative Bank Ltd in Bijapur. It discusses that cooperative societies are voluntary associations formed to benefit members through mutual assistance. Siddheswar Cooperative Bank Ltd was established in 1912 to provide financial services to poor and middle class individuals. The document outlines the key features of cooperative societies, how they are established and registered, their administration, types of cooperative societies, and components of working capital for businesses.
This document discusses the CAMELS model for analyzing financial institutional risk. CAMELS stands for Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. It provides details on each component and what a credit analyst should consider when assigning scores to various ratios and indicators under each category. The analyst should look at regulatory requirements, growth trends, peer comparisons, and other factors. Qualitative management assessments, earnings drivers, liquidity positions, interest rate risks, and external country risks should all be evaluated as part of a comprehensive CAMELS analysis.
Integrated treasury management in banksSahas Patil
This document discusses integrated treasury management in banks. It describes the functions of a bank's treasury, including reserve management, liquidity management, risk management, and derivatives trading. It outlines the structure of an integrated treasury with front, middle, and back offices. It discusses various money market instruments in India like treasury bills, commercial papers, certificates of deposit, repos, and the Liquidity Adjustment Facility operated by the RBI. Maintaining an integrated treasury allows banks to improve profitability, manage risk, and utilize funds more efficiently.
Internship report on Investment Management: Evidence from Al-Arafah Islami Ba...Abdullah Al Roman
Internship report on investment management of al arafah islami bank ltd.
Main limitation of this report is from last years it does not publish category wise investment amount with more specification like previous year, only because of this it will little help to have a thesis on iInvestment of Al-Arafah Islami Bank Ltd.
The document provides an internship report submitted by Waqar Akber to fulfill the requirements for a B.Com degree. It includes an executive summary, introduction to JS Bank's history and operations, organizational structure, and chapters covering general banking functions, products and services, loans and advances, the author's internship experience, financial analysis, SWOT analysis, problems and recommendations. The report aims to provide an overview of JS Bank's operations based on the author's 8-week internship at the Sadiqabad branch.
JSBank is a majority-owned subsidiary of Jahangir Siddiqui & Co. Ltd. operating 323 branches in 161 cities. It commenced operations in Pakistan in 2006 as a fully scheduled bank and has grown rapidly since. JSBank offers various consumer and commercial banking services and products, including loans to microfinance institutions, SMEs, and individuals for vehicles, homes, and gold financing. Through strategic partnerships and alliances, an expanding branch network, and innovative products tailored to customer needs, JSBank aims to be the preferred financial partner for customers and generate sustainable returns.
The document provides an overview of key financial statements and concepts related to banking. It discusses the balance sheet, income statement, and statement of cash flows. It then explains key components of these statements like assets, liabilities, equity, net income, and cash flow. The document also covers concepts like leverage, net interest margin, types of bank deposits and assets, and measures of money supply.
MCB Bank was incorporated in 1947 and later privatized in 1991. It is now one of the top 5 banks in Pakistan with net assets of PKR 1 trillion. The bank has a large branch and ATM network across Pakistan and is listed on the Pakistan Stock Exchange and London Stock Exchange. It offers a variety of personal and business banking products and services including deposits, loans, digital banking and agriculture financing.
The document is an internship report submitted by Umair Khan to the Human Resource department of Albaraka Bank (Pakistan) Limited. It summarizes Umair Khan's 2-month internship experience in the HR department. The report provides an overview of the bank, describes the functions and operations of the HR department, and discusses the employee recruitment and selection process. It concludes that ABPL utilizes modern HR practices to attract and retain talented employees, which has helped the bank achieve success over many years. The internship provided valuable insights into HR management concepts such as recruiting, training, and performance assessment.
Askari Bank is a commercial bank in Pakistan that was founded in 1991 and acquired by Fauji Group in 2013. It has expanded to around 250 branches nationwide and an offshore banking unit in Bahrain. The document discusses clearing processes between banks, including inward and outward clearing of checks. It describes the role of the National Institutional Facilitation Technology (NIFT) in facilitating automated check clearing and settlement between banks through centralized processing. Key steps in inward and outward check clearing processes are outlined.
Financial Performance Analysis Of Janata Bank LimitedHasnan Imtiaz
This document provides an overview and analysis of a report on the financial performance of Janata Bank Ltd. It begins with an introduction to the bank, describing its role in Bangladesh's economy and financial system. It then outlines the objectives, methodology and scope of the report, which includes analyzing Janata Bank's financial statements from 2009-2013 to identify strengths and weaknesses. The document provides context on the bank's background, objectives, and awards it has received. It describes the report's purpose as evaluating the bank's past financial performance to help inform management decision-making.
This document is a project report on credit management and non-performing assets (NPAs) of Rajkot District Co-operative Bank Ltd. (RDC Bank). It discusses the history and background of RDC Bank, which was established in 1959. It then covers various aspects of credit management at RDC Bank, including credit policies, appraisal, monitoring, NPAs, and recovery processes. The report aims to analyze credit management practices and suggest improvements to reduce NPAs.
The document is an internship report authored by Abdullah Javed summarizing his 3 month internship at the Bank of Punjab Cavalry Ground Branch. It provides an overview of the banking system in Pakistan and the Bank of Punjab specifically. It describes the bank's vision, mission, core values and product lines which include deposit products, consumer and commercial financing, agriculture credit, trade finance and electronic banking services. The report was written to fulfill the requirements for Abdullah Javed's internship as part of his ACCA coursework.
This document provides an overview and summary of the internship report completed by Muhammad Umar at the National Bank of Pakistan, Main Branch in Islamabad. It begins by acknowledging those who helped with completing the report. The report explains the challenges faced in gathering data as an intern at NBP due to the bank's high workloads. It summarizes the purpose of the internship program and methodology used in the report. The report then provides high-level summaries of the chapters which analyze NBP's company background, board of directors, departments, services, SWOT analysis and competitive analysis.
This Presentation will represent all the information about general banking activities of Mutual Trust Bank Ltd. It also describe an intern activities report to a specific branch of Mutual Trust Bank.
internship report of Meezan Bank Hasilpur.Muhammad Waqas
This document discusses the internship report of Muhammad Waqas at Meezan Bank Limited's Baldiya Road branch in Hasilpur, Bahawalpur. It provides an overview of Meezan Bank, including its vision to establish Islamic banking as the preferred system and its mission to offer innovative Shariah-compliant products and services. The report also describes the bank's general banking, credit, and Islamic financing departments and the products and services they offer. It concludes by acknowledging those who helped and supported Muhammad Waqas in completing his internship and report.
The presentation provides overview of the Banking sector targetting to a fresh batch of MBA (Finance) students. It gives an understanding of
- foreign banks, their presence and how they are constituted in India
- Types of LOBs
- a typical LOB structure
- Banking sector in India
- Entry Level roles in India, and career selection
- Top 10 things to expect on day 1 and five things not to expect on day 1
State Bank of India is India's largest bank. It has a large network of branches in India and overseas. The document discusses SBI's vision, subsidiaries, marketing strategies, financial performance, HR strategies, and conclusions. Key findings are that SBI has a large network capacity, lower interest rates than competitors, and focuses on customer welfare and satisfaction through its products and services. Suggestions include improving network performance, customer service, facilities, and expanding digital offerings.
The document provides an overview and introduction to the Foreign Contribution (Regulation) Act 1976 in India. Some key points:
- The Act regulates the acceptance and use of foreign contributions by certain individuals and organizations to ensure it does not compromise national security or elections.
- Organizations need prior permission or registration to receive foreign funds. Registered organizations must maintain separate accounts and submit annual audited reports.
- Over 34,000 organizations are registered under the Act across religious, cultural, economic, educational and social categories. The top recipient states are Tamil Nadu, Delhi, and Andhra Pradesh.
- The Act also regulates foreign hospitality received by certain public officials and politicians to/from foreign countries.
Pranay Mahata has over 7 years of experience in forex risk management and treasury banking. He has expertise advising clients on hedging strategies to mitigate foreign exchange risk and customize services to their needs. As a relationship manager, he generated trade and forex income through selling asset products and advising SME clients on their treasury activities. Currently a team leader, he is responsible for business development, client acquisition and advising corporates on managing their forex portfolios.
Commercial bank, especially Govt. Bank is one of the important business sectors in Bangladesh. Agrani Bank Limited is a scheduled commercial bank in the govt. sector which is focused on the established and emerging markets of Bangladesh. The purpose of this study is to earn a real life practical experience on marketing of bank service.
The study mainly conducted with the following objectives :To find out 7Ps of marketing mix in Agrani Bank LTD
Meezan Bank is Pakistan's largest Islamic bank, established in 1997. It offers various Islamic banking products and services, including personal and corporate banking, project financing, and asset management. As an investment arm, Meezan Bank holds different types of marketable securities that provide liquidity and returns to investors. However, the bank faces weaknesses such as high employee turnover and lack of marketing in the past. It also faces threats of increased competition from conventional banks and other Islamic banks entering the market.
Strategic Management has been changed over the years in terms of its scope and
application. With the rise of intense business competition, companies adopt various strategies for overshadowing their competitor(s). In the contemporary business world, evaluating and understanding competitors' business is thus a key challenge for business firms. With this motivation, this report is intended to explore the business strategies Jamuna Bank Ltd. follows to accomplish its mission and gain competitive advantages over competitors. The study reveals some useful findings: first, the applicability of CORE as an analytical framework of strategic analysis; second, the overall context of the industry; third and most importantly, performance indicators of the Bank.
The document discusses the Banking, Financial Services and Insurance (BFSI) sector in India. It provides information on major companies operating in the sector like J.P. Morgan, HSBC, ICICI Bank, Bajaj Finance Ltd and HDFC. It describes their introduction, job roles, skills required, career growth opportunities and recent updates. The BFSI sector is set to grow exponentially in India due to rising income, new products, technology innovations and increasing customer awareness of financial products.
The 3-sentence summary is:
Askari Bank is a leading Islamic bank in Pakistan that provides various banking products and services through its network of 36 branches. The bank has seen significant growth in deposits, advances, and assets over the past five years. It offers a range of personal and corporate banking services including various deposit accounts, loans, trade financing, remittances, and international banking services to meet the needs of individual and business customers.
State Bank of India (SBI) is India's largest bank with over 16,000 branches. It offers a wide range of banking products and services including deposits, investments, loans, cards, demat services, and mobile banking. SBI has a long history dating back to 1806 and was formed through the amalgamation of Bank of Bengal, Bank of Bombay, and Bank of Madras in 1921. It follows standard processes but also allows for some customization. Physical evidence includes its logo, financial reports, employee dress code and other tangible materials.
This document summarizes a performance evaluation of Eastern Bank Ltd. It outlines the bank's vision, mission, values, objectives, and strategic priorities. It then evaluates the bank's performance in areas like technology, personal development of employees, and profitability. The technology section discusses Eastern Bank's transition to a new ICT infrastructure for improved customer service and competitive advantage. The document analyzes key financial metrics to assess the bank's profitability. Overall, the evaluation aims to assess Eastern Bank's internal performance and provide recommendations for improvement.
Retain banking, also known as relationship banking, aims to build strong relationships with customers to ensure their continued business and support. This helps banks retain existing customers and attract new, long-lasting customers. Building loyalty through good customer service is key, as it creates rapport and trust, retaining customers for life. Data analysis can identify the most profitable customers to focus retention efforts on, while also improving services based on feedback from defecting customers. Relationship banking treats banking as an ongoing process rather than a series of isolated events to develop high customer satisfaction and loyalty over the long term.
• Having 5 year 7 months of experience in ICICI Bank & 2 years of experience in Geo Logging Industries Ltd as a Business Development Executive at Mumbai. Successfully completed degree from Berhampur University and completed PGDBFS (Post Graduate Diploma in Banking and Financial Services) from IFBI (Institute of Finance Banking And Insurance.) Seek a responsible & challenging position that will allow me to explore my ability, skills & sense of dedication towards my sole aim of seeing the growth of the organization and self. I step in banking and chosen career to demonstrate my quality and to explore new ideas to this era.
• Having 8+ years of experience in the field of banking & financial services.
• Providing solution to the customer’s problems..
• Selling mutual funds & insurance policies to the customers and giving them after sale services.
• Providing banking solutions to the rising needs of the customers as a motto & an innovative and unique thinker with excellent managing skills possesses 2 years rich experience as Assistant Manager.
• Excellent capability of managing the operations of the bank.
• In depth knowledge of each job and supervising each department. Expertise in providing the best solution to the organization which give the bank a new direction of development.
• Having 5 year 7 months of experience in ICICI Bank & 2 years of experience in Geo Logging Industries Ltd as a Business Development Executive at Mumbai. Successfully completed degree from Berhampur University and completed PGDBFS (Post Graduate Diploma in Banking and Financial Services) from IFBI (Institute of Finance Banking And Insurance.) Seek a responsible & challenging position that will allow me to explore my ability, skills & sense of dedication towards my sole aim of seeing the growth of the organization and self. I step in banking and chosen career to demonstrate my quality and to explore new ideas to this era.
• Having 8+ years of experience in the field of banking & financial services.
• Providing solution to the customer’s problems..
• Selling mutual funds & insurance policies to the customers and giving them after sale services.
• Providing banking solutions to the rising needs of the customers as a motto & an innovative and unique thinker with excellent managing skills possesses 2 years rich experience as Assistant Manager.
• Excellent capability of managing the operations of the bank.
• In depth knowledge of each job and supervising each department. Expertise in providing the best solution to the organization which give the bank a new direction of development.
• Having 5 year 7 months of experience in ICICI Bank & 2 years of experience in Geo Logging Industries Ltd as a Business Development Executive at Mumbai. Successfully completed degree from Berhampur University and completed PGDBFS (Post Graduate Diploma in Banking and Financial Services) from IFBI (Institute of Finance Banking And Insurance.) Seek a responsible & challenging position that will allow me to explore my ability, skills & sense of dedication towards my sole aim of seeing the growth of the organization and self. I step in banking and chosen career to demonstrate my quality and to explore new ideas to this era.
• Having 8+ years of experience in the field of banking & financial services.
• Providing solution to the customer’s problems..
• Selling mutual funds & insurance policies to the customers and giving them after sale services.
• Providing banking solutions to the rising needs of the customers as a motto & an innovative and unique thinker with excellent managing skills possesses 2 years rich experience as Assistant Manager.
• Excellent capability of managing the operations of the bank.
• In depth knowledge of each job and supervising each department. Expertise in providing the best solution to the organization which give the bank a new direction of development.
- Deepak Ranjan Swain is seeking a responsible position in banking and finance that allows him to utilize his skills and experience.
- He has over 7 years of experience working in ICICI Bank and Geo Logging Industries in roles such as Assistant Manager, Business Development Executive, and Senior Officer.
- He holds a Bachelor's degree in Arts from Berhampur University and a Post Graduate Diploma in Banking and Financial Services from IFBI.
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Credit Analysis and Risk Management of Standard Bank LimitedAriful Saimon
An Internship Report
On
“Credit Analysis and Risk Management of Standard Bank Limited”
Submitted to:
Mrs. Tanbina Tabassum
Assistant Professor
Department of Finance
Faculty of Business Studies
Premier University, Chittagong.
Submitted by:
Md. Shahadat Hossain
ID: 1502220802160
Major: Finance
Program: MBA (1 year), Batch: 22nd
Premier University
Date of Submission:
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2. Introduction
JS Bank is a majority-owned subsidiary of Jahangir Siddiqui & Co. Ltd. and
currently, operates 323 branches in 161 cities and 1 international branch in
Manama.
JS Bank Limited operates in the Commercial banking sector.
It is a scheduled bank engaged in commercial banking and related
services.
3. Introduction – JS Bank Pakistan
JS Bank Limited commenced operations in Pakistan as a fully scheduled
bank on December 30, 2006.
JS Bank Limited also has a Primary Dealer license for government
securities from the State Bank of Pakistan.
JS Bank’s focus is to provide a quality and innovative range of banking
services and products. The Bank’s key activities can be categorized into
these Business Units:
1. Retail and Consumer Banking
2. Treasury
3. Corporate & Commercial Banking
4. Investment Banking
4. History
JS Bank Limited has been formed after the merger and amalgamation of
Jahangir Siddiqui Investment Bank Limited and commercial banking
operations of American Express Bank Ltd Pakistan
In 1999, Jahangir Siddiqui Investment Bank Limited (JSIBL) was formed
when Jahangir Siddiqui & Co. Ltd. acquired Citicorp Investment Bank
(Pakistan) Limited.
JSIBL principally mobilizes funds through issuance of Certificates of
Investment to individual investors, corporate clients, and financial
institutions.
In 2006 the number of branches was 4, which increased to 9 in 2007. In
2008 the number increased to 39 and to 101 in 2009. In 2010, the number
of branches were 129. Currently, JS Bank has 307 branches in 152 cities.
5. Vision of JS Bank
To provide quality and innovative range of banking services and
products to our customers through a highly motivated team of
professionals, while maintaining high ethical and regulatory
standards, thereby generating sustainable returns to our
shareholders.
6. Mission of JS Bank
To be a preferred partner of our customers by providing complete
financial solutions exceeding service expectations, and to do so
through a single relationship via convenient distribution channels,
both conventional and non-conventional.
7. SWOT Analysis of JS Bank
Strengths:
1. Facility of foreign exchange to its customers.
2. Customer care center for its customers.
3. Online banking (online cash deposit and withdrawal, online balance inquiry).
4. Locker facility to customer at all branches.
5. Cooperative staff.
6. Customer satisfaction.
7. Continuous improvement.
8. Employee respect and dignity.
9. It has a reliable and easy to use internal system.
10. High context culture can only be seen in JS Bank i.e. are focused on building
relations with customers.
9. Continue…
Opportunities:
1. JS bank is covered by many competitors. It has an opportunity to do an
aggressive marketing to increase its business volume.
2. Stoke exchange is very volatile and takes immediate effect, so in time of crises
investors return to saving deposits.
3. Extra advertising
4. Consumer banking
5. 24 hrs. ATM network
6. Foreign investment
7. New branches
10. Continue…
Threats:
1. Inflation
2. Government policies regarding tax.
3. Competitors in the banking sector
4. Current economy conditions of the country.
5. Weak economic conditions
6. Unpredictable future.
7. High interest rates.
8. Increase in non-performing loan.
11. Bank Key Activities - Retail Banking
Kamyab Business Account
• Free issuance of Pay orders and Demand drafts.
• Countrywide banking.
• Unlimited transactions.
• ATM/ Debit card facility.
• Pick and Drop facility for Pay orders and Demand drafts.
• Tele-banking
Rupee Plus Account
• 6 tiers with attractive profit rates.
• Countrywide banking facility.
• ATM/ Debit card facility.
12. Bank Key Activities - Treasury
The Bank's client-centric treasury endeavors to partner its customers in
ensuring they use the financial markets to optimize their risk profile and
enhance value to their stakeholders.
The Treasury seeks to do this by becoming the risk solutions provider of
choice, offering quality treasury products, and being the leader in product
innovation.
• Foreign exchange
• Primary dealership
13. Bank Key Activities - Corporate Banking
As a specialist service provider, They understand the expectations of their
corporate customers, and provide tailor made products and services to
meet their exact needs.
• Loans
• Shares
• Trade Finance
• Export Services
• Import Services
14. Bank Key Activities - Investment Banking
JS Bank’s investment banking group has been the pioneer of numerous
landmark transactions brought to the domestic capital markets.
The group’s legacy dates back to the 90’s through a closely held
partnership with the then eminent Bear Stearns.
15. Interview
Decision making process for goal achievement
First they set goal then arrange meeting with management team and discuss
about goal and then prepare a plan for goal achievement and then execute it by
dividing the staff on the basis of their expertise and then assign task to each
group.
Adjustment of new Employees in organization
They facilitate employee by providing friendly environment to help him adjust in
their environment fearlessly.
The process start with 1-3 months training by moving employee from desk to
desk so employee would get awareness with rule and regulations and working
process and during this period of time management will check interest of
employee and then assign him department according to his interest and
expertise.
16. Interview Continue…
Decision and steps for market competition
They have a department of product development, this department takes feedback
from different stakeholders before launching the product and get information
about the criteria of same product in different banks and then they make changes
according to stakeholder’s feedback, and then take feedback after launching the
product.
Maintaining relationship with employees
They arrange meeting after specific duration and discuss about employees
problems and find solutions to them.
Change management
They facilitate positive change, if the change can bring positive effects to the
environment and organization then that change is facilitated.
17. Interview Continue…
Managing relationship with clients
They give training to their employees, how to deal with customers if lower
employee wouldn’t be able to satisfy customer than they refer customer to the
higher management.
Culture of Organization
Their culture is flexible, but they follow time and dressing constraints.
Response towards social responsibility
They focus on profit but within rules and regulations
Current position
Current positioned by Pacra AA-
18. Conclusion
Due to wide expansion of branches in all over the Pakistan, JS bank
in the near future shall capture market in regard to its extra
ordinary customer services
19. Recommendations
Branch establishment in ruler areas.
They should offer more services for youth as in Pakistan they comprise a
high percentage of 67%.
Banking should be made on Islamic basis on large scale.
Should provide proper guidance to peoples who are not their clients.