MCB Bank Internship Report 2019

INTERNSHIP REPORT ON MCB BANK LIMITED
Institute Of Business Studies / Kohat University Of Science And Technology1
KOHAT UNIVERSITY OF SCIENCE AND TECHNOLOGY
INSTITUTE OF BUSINESS STUDIES
2019
Supervised By: Mr. AHMER NAVEED PARACHA
Submited By: HIDAYAT ULLAH
Registration No: MS120152066
Discipline: BBA Hons
Specialization: Human Resource Management
Batch: 2015 - 2019

Certification From Supervisors
This report entittled “ Internship Report on MCB Bank Limited kohat city Branch” Submitted
by HIDAYAT ULLAH, is accepted in its present form as satisfying the prequesite for the degree
of BBA Hons Major in Human Resource Management.
Supervisor:
Mr. AHMER NAVEED PARACHA
Signature:
Head of Department:
Dr. WISAL AHMED
Signature:

Acknowledgement
In the name of ALLAH, the most kind and most merciful.
First of all I’m grateful to ALLAH ALMIGHTY, who bestowed me with health,
abilities and guidance to complete the project in a successful manner, and without HIS
help I was unable to perform this task.
Secondly, I want to thank my Parents & Teachers who help me to learn how to live life, how to
compete others & how to face problems. Because of their precious efforts I have reached at this
level.
I also want to thank my all staff members who teach me about practical life, guide me that what
is banking, what is the purpose of a bank and what a banker do, and for providing me an
opportunity to have an excellent learning experience during my internship.
I specially thank to;
 Mr. Asfandyar Khan (Branch Manager)
 Mr. Aizaz ur Rehman ( Branch Operational Manager)
 Mr. Muslim Khan (Branch Sales officer)
 Ms. Aliaa Hamed (Branch Services Officer)
 Mr. Munsif Khan (General Banking Officer)
 Mr. Ishfaq Ahmed (General Banking Officer)

PREFACE
It is the requirement of the BBA Hons course Kohat University Of Science And Technology that
all students of BBA Hons have to spend at least six weeks in any organization to get practical
exposure and to get familiarized with the ways to live in the organizational environment which is
dramatically different from the educational environment. That two months period called
“Internship Period “, if spent properly and sincerely, enables the students to be more confident,
more knowledgeable, more responsible and, above all, more committed to its work in the practical
field. I have also been assigned to do internship of eight weeks period in MCB Bank Limited,
Kohat City Branch.
It has enabled me to understand the practical scenario and sharpen our decision making power
and utilizing the resources in an effective manner, so that our resources generate maximum profit.
In preparing this report, I have put all of my best efforts and tried my level best to give maximum
knowledge. Despite of my all the coherent efforts, I do believe that there will always be a room
for improvement in the efforts of learner like me.
HIDAYAT ULLAH
Human Resource Management
Batch 2015-2019

TABLE OF CONTENTS
1
2
3
4
5
6
7
8
……… ..Introduction to Report
1.1 ….....Background of study
1.2 ……………….Purpose of Study
1.3 ….…..……………….Scope of Study
1.4 ….…..….Methodology of the Study
1.4.1 ……...………………………….Primary aata
1.4.2 ……..……..…………………..Secondary Data
Industry Analysis (Banking Sector)
………… Company Analysis MCB Bank Ltd
3.1 …………..…..….……………..…….Company Profile
3.2 ………………………......…….…...…………..………Vsion
3.3 …………….…………..…..….……………...………..Mission
3.4 ……………..……………….….……………….…….Objectives
3.5 ………………………..…….…………………….…..Core Values
3.6 …….…..…...Working Structure of MCB Bank Limited
…………….….…..….……..…………..Products and Services
4.1 …………………….……..…………….…………Current Accounts
4.2 ……………………..………………….……………. Saving Accounts
4.3 ………………………………………....……….………….. MCB MNET
4.4 ……………………………………….….. MCB Home Remittances
4.5 ………………………………….……. MCB Equity Capital Raising
4.6 ……………………………………………… MCB Advisory Services
...………………………….…..MCB Kohat City Branch (0290)
5.1 ……………….……….…………………………………Departments
5.1.1 ………………….…………Cash Management Department
5.1.2 ………………….….…..Accounts Opening Departments
5.1.2.1 ……………………….…..….…………..Inwarding Clearing
5.1.2.2 ………………………….….…....Outwardding Clearing
5.1.3 ………………………….…….…Clearing Department
5.1.4 ……………………………….….………… Department
…………………………..……....SWOT Analysis
6.1 ………………………….…….…….…….Internal
6.1.1 ………………………………..……Strengths
6.1.2 …………………………..…Weaknesses
6.2 …………………………..…..External
6.2.1 ……………….…Opportunities
6.2.2 …………….……....Threats
Work done by Internee
7.1 …………Conclusion
7.2 …....Suggestions
8 References
08
09
11
14
15
18
19
20
21
22
23

Chapter 1
Introduction
1.1 Background of the study:
The internship is most important part to learn a practical work experience and also must for the
requirement of our BBA degree that’s why I select the MCB for gaining the a lot information. In
order to get the experience I spend eight weak in MCB Bank Kohat main branch that’s why I
complete my internship in Muslim Commercial Bank. And through this internship I learned a huge
knowledge about banks especially MCB their functions, structure, environment, departments etc.
1.2 Purposes of study:
The main function of this internship report is to explain the main functions and services offered by
the MCB .And also make the analysis to identify the weakness of the MCB and find the solution
how to remove these weakness. And make review of the MCB annual performance. There are
some importance objectives of this internship such as:
• To collect the information about the working place.
• Through the informal discussion with staff member to gain a lot of knowledge.
• Try to learn the process like account form filling, clearance etc
1.3 Scope of study:
The total duration of this internship is about eight weak and in this session I collect the information
about the MCB Kohat main branch. And study the departments of MCB in this internship such
departments are as follow:
• Cash departments
• Account opening departments
• Clearing
• Remittance
1.4 Methodology of the study:
The most important task during internship is to collect the more and more information. And learn
about the banking process and information about the MCB .collect the information and compiled
that internship report.
1.4.1 Primary data:
• Meeting with staff member (discussion)
• My own observation in MCB bank.
• Movement in all MCB departments.
1.4.2 Secondary data:
• MCB Bank Limited Annual reports and other documents of MCB Bank Branch
• Data taken from Internet

Chapter 2
INDUSTRY ANALYSIS
INTRODUCTION OF SECTOR
The word 'Bank' is said to have been derived from the words Bancus or Banque or Bank.
This history of banking is traced to as early as 2000 B.C. Banking in fact is primitive as human
society, for ever since man came to realize the importance of money as a medium of exchange, the
necessity of a controlling or regulating agency or institution was naturally felt. The priests in
Greece used to keep money and valuables of the people in temples. These priests thus acted as
financial agents. The origin of banking is also traced to early goldsmiths. They used to keep strong
safes for storing the money and valuables of the people. The first stage in the development of
modern banking, thus, was the accepting of deposits of cash from those persons who had surplus
money with them.
The goldsmiths used to issue receipts for the money deposited with them. These receipts began to
pass from hand to hand in settlement of transactions because people had confidence in the integrity
and solvency of goldsmiths. When it was found that these receipts were fully accepted in payment
of debts; then the receipts were drawn in such a way that it entitled any holder to claim the specified
amount of money from goldsmiths. A depositor who is to make the payments may now get the
money in cash from goldsmiths or pay over the receipt to the creditor. These receipts were the
earlier bank notes. The second stage in the development of banking thus was the issue of bank
notes.
At the time of independence, there were 631 offices of scheduled banks in Pakistan, of
which 487 were located in West Pakistan alone. As a new country without resources it was very
difficult for Pakistan to run its own banking system immediately. Therefore, the expert committee
recommended that the Reserve Bank of India should continue to function in Pakistan until 30th
September 1948, so that problems of time and demand liability, coinage currencies, exchange etc.
be settled between India and Pakistan.
The non-Muslims started transferring their funds and accounts to India. By the end of June
1948 the number of officers of scheduled banks in Pakistan declined from 631 to 225. There were
19 foreign banks with the status of small branch offices that were engaged solely in export of crop
from Pakistan, while there were only two Pakistani institutions, Habib Bank of Pakistan and the
Australian Bank. The customers of the bank are not satisfied with the uncertain condition of
banking. Similarly the Reserve Bank of India was not in the favor of Govt. of Pakistan. The Govt.
of Pakistan decided to establish a full-fledge central bank. Consequently the Governor-general of
Pakistan Quaid-I-Azam inaugurated the State Bank of Pakistan on July 1, 1948. Thus a landmark
was made in the history of banking when the state bank of Pakistan assumed full control of banking
and currency in Pakistan. The banking structure in Pakistan comprises of the following types.

• State Bank of Pakistan
• Commercial Bank of Pakistan
• Saving banks.
• Cooperative banks
• Specialized credit institutions.
Commercial banks have been the most effective mobilizers of savings and have been
providing short-term requirements of working capitals to trade, commerce and industry.
Up to December 31, 1973, there were 14 Pakistan commercial banks that functioned all
over the country and in some foreign countries through a network of branches. All these
commercial banks were nationalized in January 1, 1974, and were recognized and merged into the
following five banks:
• National Bank of Pakistan
• Muslim commercial bank limited
• Habib Bank Limited
• United Bank Limited
• Allied Bank of Pakistan
The state bank of Pakistan is the Central bank of the country and was established on July
1, 1948. The separation of East Pakistan and its repercussion in the form of economic depression
has caused a lot of difficulties to the banking system in Pakistan. The network of bank branches
now covers a very large segment of national economy. The numbers of branches have increased
appreciably and there is now on branch of bank for every 3000 heads of population approximately.
There is done reasonable growth in deposits from the establishment of Pakistan. Besides this
growth, specialized credit and financial institutions have also developed over the years.
The Government of Pakistan in the late 90’s introducing the need for the privatization of
state owned banks and companies. The private sector has accepted the challenge and most of the
banks are privatized today. The State Bank of Pakistan issues the shares of these periodically. Bank
employees and other common peoples can also purchase these shares and earn profit. Throughout
the period of banking history the banks have been expanding rapidly and achieved the desired goal
of progress.

Chapter 3
COMPANY ANALYSIS
Muslim Commercial Bank
MCB is one of the leading banks of Pakistan with a deposit base of about Rs. 280 billion and total
assets of around Rs.300 billion. Incorporated in 1947, MCB soon earned the reputation of a solid
and conservative financial institution managed by expatriate executives. In 1974, MCB was
nationalized along with all other private sector banks. This led to deterioration in the quality of the
Bank’s loan portfolio and service quality. Eventually, MCB was privatized in 1991.
During the last fifteen years, the Bank has concentrated on growth through improving service
quality, investment in technology and people, utilizing its extensive branch network, developing a
large and stable deposit base and managing its non-performing loans via improved risk
management processes.
The MCB Bank Limited is one of the largest banks in Pakistan. The MCB Tower in Karachi serves
as the Muslim Commercial Bank's headquarters, and is also the tallest building in Pakistan. MCB,
advised by Merrill Lynch, became the fourth Pakistani company to list on the London Stock
Exchange when it raised $150 million floating global depositary receipts.
MCB Bank Ltd. ranks amongst the Leaders in the commercial banking industry. MCB has been
one of the most profitable banks of 2014, registering an increase of over 250% in net profits. The
bank’s branch network increased to 952 in 2014(2013: 946). Out of the 6 new branches, 2 are for
Islamic banking. In 2005, significant increase in profits stemmed from higher markup income due
the hike in interest rates and increased core-lending activity, as well as internal cost efficiencies.
There was a 5% reduction in the employee workforce. Moreover, there was a one-time reversal in
pension fund-related administrative expenses due change in actuarial accounting policy. The
change added about Rs. 2.29 to the bank’s 2014 earnings per share. The bank is concentrating on
improving internal efficiencies by investing in technology, and improving customer services
through employee awareness, and its new corporate culture. However, given expected shrinkage
in average banking spreads, 2015 will require balance sheet growth momentum to sustain earnings
growth.
MCB has one of the highest NIMs (Net Interest Margin) in the sector, due to its ability to maintain
low funding costs. It is expected that this margins will be maintained, with higher yielding
consumer loans offsetting pricing pressures in other segments of the loan book as well as rising
funding costs.
MCB has one of the highest ROA’s (Return on Assets) and ROE’s (Return on Equity) in the
banking sector.

3.1 Company Profile:
MCB is one of the oldest banks of Pakistan, incorporated in 1947. It was privatized in 1991. To
accede to international capital markets, the Bank launched Global Depositary Receipts (GDRs) in
2006. It was the first Pakistani Bank that got its GDRs listed on the London Stock Exchange. In
2008, the Bank entered into a strategic partnership with May Bank, Malaysia, which owns 20%
stake in it through May Bank International Trust (Labuan) Berhad.
3.2 Vision:
To be the leading financial services provider , partnering with our customers for a more prosperous
and secure future.
3.3 Mission:
We are a team of committed professionals, providing innovative and efficient financial solutions
to create and nurture long-term relationships with our customers. In doing so, we ensure that our
shareholders can invest with confidence in us.
3.4 Objectives Strategic:
Delivering remarkable returns to stakeholders, sustainable performance, exceeding market and
shareholder expectations. Providing value added services through operational expansion,
geography and upgraded systems Building a corporate culture of equality, trust and team spirit as
we remain dedicated to be a socially responsible organization.
3.5 Core Values
3.5.1 Integrity:
We are the trustees of public funds and serve our community with integrity. We believe in being
the best at always doing the right thing. We deliver on our responsibilities and commitments to
our customers as well as our colleagues.
3.5.2 Innovation:
We encourage and reward people who challenge the status quo and think beyond the boundaries
of the conventional. Our teams work together for the smooth and efficient implementation of ideas
and initiatives.
3.5.3 Excellence:
We take personal responsibility for our role as leaders in pursuit of excellence. We are a
performance driven, result oriented organization where merit is the only criterion for reward.
3.5.4 Customer Centricity:
Our customers are at the heart of everything we do. We thrive on the challenge of understanding
their needs and aspirations, both realized and unrealized. We make every effort to exceed customer
expectations through superior services and solutions.
3.5.5 Respect:
We respect our customer’s value belief culture & history. We value the equality of gender and
diversity of experience and education that our employees bring with them. We create an
environment where each individual is enabled to succeed.

3.6 Working Structure of MCB Kohat City
• BM (Branch Manager)
• BOM (Branch Operation Manager)
• Supervisor
• General Banking Officer
• Casher
BM (Branch Manager):
• Multiple dimension growth targets (deposit advance and profit by sales maximization.
• Strengthen existing relationship.
• Identify new business opportunities.
• Directly reporting to the regional head commercial to achieve branch’s target.
BOM (Branch Operation Manager):
• BOM was introduced was introduced in Feb 2016.
• Minimize operational risk (complains with banking regulations/policies/procedure).
• Directly reported to ROM (regional operational manager) for overall operating
activities of the branch.
• Minimize operating risk through internal control and achieve best audit rating.
Supervisor:
• Handle the cheque books
• RTC ( rupee traveler cheque)
• ATM handling
• Clearing process
General Banking Officer:
• Account opening,
• Know your customer update
• Deposit slips & online transfer (cash &cheque)
Casher:
• Cash handling
• Bills & fee collection
• Online payments
• Receipt payment

Products &Services
4.1 Current Account:
MCB Bank offers a variety of current accounts in local and foreign currency to cater to the
everyday transactional needs of various customers. These accounts ensure ease and freedom to
bank from any of the 1200+ branches across the country. The different accounts include: the Basic
Banking Account that has no minimum balance requirement; Business Account offering free
online transactions, demand drafts, pay orders and lots more to meet the day-to-day business
requirements; Current Life Account that offers the security of life insurance free of cost; and for
all others, the conventional Current Account.
4.2 Savings Account:
MCB Bank offers a wide array of local and foreign currency savings products that suit short-term
growth and transactional needs. Our savings accounts offer attractive profit rates to diverse
customer strata; have a tiered profit payment and different profit payment frequencies.
4.3 MCB Mnet:
MNET is an electronic inter-bank connectivity platform for online transactions on ATM and other
remote banking channels. It offers other value added services that include a portfolio of e-banking
and payment system products as well as management and day-to-day operations of the same.
Members include 10 local and foreign financial institutions enjoying ATM sharing and value
added services.
4.4 MCB Home Remittance:
MCB Home Remittances offers unmatched services for overseas Pakistanis to send money home
FAST and FREE at no cost across Pakistan through MCB’s large network of over 1200 branches.
Money can be sent FREE & INSTANT through our international send agents like Money Gram,
Xpress Money and many others.
4.5 MCB Equity Capital Raising:
MCB Equity Capital Raising relates to raising capital for our clients by offering common or
preferred equity to public or private investors, through initial public offers, offers for sale, rights
issues and private equity placements.
4.6 MCB Advisory Services:
Financial and Capital Raising Advisory provides our clients with financial advisory services,
commercial structuring support and access to capital resources to help companies successfully
finance their business/project.

About MCB Kohat City (0290)
5.1 Departments:
Following is brief introduction of all the departments of the MCB bank.
5.1.1 Cash Management Department:
During the learning in the cash department I learn the all the activities which is perform in the
cash department .in the cash department there is various sub department according to the categories
which are performing by the different persons in the department in the cash department there are
two counters in which include
• Receipt counter
• Payment of cash and checks
Receipt counter receive the cash and maintained the account and then if a customer have a check
then the cheque is verifies by the verification person and then the casher makes the payment against
the cheque and also transfer the money online and maintained the all activities which is casher
duties i.e. give the cash to the valuable customer and the bill and the fees receive counter receive
the bill payment and the fees and maintain all the activities related to bill and fees collection. The
activities of the cash department of MCB bank (Ltd) is as under
• Management of cash
• Deposits
• Demand draft and the online maintains
• Treatment of surplus cash
• Treatment of the cash deficit
• Cash transit
• Issuance of cash
• Security arrangements
• Verification of cheque
• Receive the bill and the fees collection
This is the most important department of the bank I leaned while working in this department that
there is all about maintains of the cash in this department in the staff work very carefully make
sure there is no mistake and in the closing at evening both the sides of the cash account is balanced
or equal then the banks makes the profit.
5.1.2 Account Opening Department:
The account opening department is the department which deals with the account opening open of
new account or the verifying the account this department is necessary as par the order of the state
bank of Pakistan in this department I come to know how to open the account by filling the account
opening form and also attached the NIC card copy and it is verify by the NADRA.
It is important department of the bank because all the working of the bank base on account and the
bank account shows the deposit of the bank if any person working with the bank or the organization

then first step is the account opening and my work is in the department is to open the new account
for a valuable customer. I learned that there is few many document which is use in the opening of
new account. There are many type of accounts the MCB bank (Ltd) is offered to its customer in
which include
• Current account,
• Smart Saving account,
• (PLS) Profit and loss account,
• BBA (Basic Banking Account),
• KBA (Khushali Bachat Account)
These have different specification of the customer which will give benefit of him. For account
opening the minimum amount required is 1000 Rs.The document which is used in the opening a
new account is as under
• Account opening form
• The name of person who request for opening the new account
• The type of the account
• Computerized Copy of national identification card
• Check the expiry date
• Filled the opening form
• Signature of the person
• SS Card (Specimen Signature Card)
• Mother name
• Father name
• Present address
• Permanent address
• KYC Foam (Know your Customer)
• CNIC Required for KIN
The most important in account opening is SS Card signature because we grudge it may which
customer withdraw the money is original customer or not, and other step is KYC Form in this form
we collect all secret information like client Father and mother name, income of the business, his
email address, postal address, and content number. The last one is CNIC required of KIN for those
person who have a blood relation of client like father, mother, brother, sister, in this there is no
required for friend or other person NIC only for those who have a blood relation of the client.
5.1.2.1 Inward clearing:
The instrument and the settlement or the claim by the other banks or the other branches of MCB
on our branch of MCB bank in which include the cheque draft and etc, are drawn by the other bank
customer or by the MCB bank branches in clearing in the inward clearing process there is few
thing include which is mentioned as under

• Cross stamp on the face
• Clearing stamp on the front and the back
• The clearing stamp bearing the date of the next working day
• Payees account is credited and the stamp on the cheque and signature of the operational
manager
5.1.2.2 Outward clearing:
I leant about outward clearing in MCB bank clearing department. out ward clearing is that the
settle of claims of our branch of MCB bank or the other branches of MCB bank drawn of other
banks or other branches of MCB bank deposited by our customer in our branches of the bank ,
presented by our branch of MCB bank in out ward clearing .
When the cheques of outward clearing is received then it is entered into the clearing registered
Following detail are entered is in the both registered is as follow
• Serial No.
• Account no. of the depositor
• Depositor name
• Drawer
• Drawers
• Cheque No.
• Amount of the cheque
• Cross stamp on the face of the cheque
• And the clearing stamp
• And the stamp on the back of the check payee account will be credited
5.1.3 Clearing Department:
There are two types of clearing going in the bank inward clearing and outward clearing .we can
say that the clearing is clear those cheque which cannot be cash at the cash counter of the bank .
the representative of the respective bank collect all the cheque and the instrument which drawn on
there and settle the account and doing the clearing function this assembly of the representative of
the bank is called Clearing house NIFT perform the clearing on the behalf of the commercial banks
in all the cities throughout the country.
5.1.4 Remittances Department:
Deal with transfer money & different type of fund & also receive fund from aboard from the
Pakistani community .Remittance have following feature
• Quick and hassle free transfer
• There is little charges of transfer
• And same day devilry to MCB account holder
• SMS alert facility
• And for non account holders the funds transfers online or via bank draft. It is very
important department in the current scenario in this department the bank deals with
transfer money and different type of fund and also receive fund from abroad form the
Pakistani community and others as well which is called remittances.

SWOT Analysis
The satuation analysis in which internal strengths and weaknesses of an organization, and
external opportunities and threats which can be faced by this orgaization are following:
6.1 Internal Analysis:
6.1.1 Strengths:
MCB Bank ltd Branch enjoy the following Strengths:
• MCB has a large number of regular customers.
• Branch is located in the heart of the city (main bazar)
• Availability of Online Banking system facilities
• MCB was rated "The Best Domestic Bank" for years 2000, 2001, 2003, 2004, 2005, 2008,
2012 by Euromoney, a leading international publication.
• It provides MCB mobile ATM for convenient world class banking services.
6.1.2 Weaknesses:
• To many paper work which is much time consuming
• Mismanagement of time is the biggest mistake in MCB branches that the official time of
bank closing is 5:30pm but the staff is normally on their seats till 7:00pm to 9:00pm.
• In almost every branch it is also seen that the staff complain about over loaded of work. It
is the reason that turnover ratio of MCB is increasing.
• Unattractive infrastructure of the branch (currently)
• Employees at branch level are not properly motivated to work by heart. They take the all
routine activities as a boring job.

6.2 External Analysis:
6.2.1 Opportunities:
Following are some opportunities for MCB Bank Limited Kohat City Branch:
• MCB bank can capture big portion of the market by expanding their branches and ATM
network in other areas of city.
• MCB have to launch some new product or services like Tele bank and internet banking
which can attract more customer as compared to the other branches.
• MCB to use it for advertisement of new product and severs provided by MCB bank. By
adverting MCB can create more new customers.
• Branch has to start some kind of Social services or for culture benefit. By doing this it can
motivate its customer that you are contributing in this services by parching and using MCB
services.
• Now the concept of Islamic banking is increasing so MCB can also grab an opportunity
due to having alot of interested customers.
6.2.2 Threats:
Following are the threats which can be faced by MCB Bank Limited Kohat City Branch:
• There are more than five banks operating in the city now MCB bank has to compete with
great effort by giving superior services as compared to the others.
• Underdeveloped infrastructure.
• Introduction of new alliances of other banks.
• Another threat is economic political condition.
• HBL banks are providing attractive and new services to MCB customer.

Work Done By Internee
I worked as an internee in MCB for six weeks as per required by the University. During my
internship there was tremendous and friendly atmosphere in MCB. I learned so many things
from their management like how to work in a standard place.
At my first day in MCB, the branch manager Mr. Aizaz ur Rehman introduced me to all the
employees in the bank. After that I was handed-off to Mr.Muslim Khan, he is the sales
officer, he was very responsible for my learning in the bank.
I worked under her for two weeks. After that I moved besides Customer Service Officer.
She was very helpful and friendly. She provided me with all the information that I asked for
and co-operated with me very much.
The most important benefit of internship is that I got practical exposure of workplace. I got
practical experience of working practices related with my field.
I learned process of account opening of individuals, checked vouchers, issued cheque books and
recorded them, issued ATM cards and kept record of them, learned about different types of ATM
cards, filled online and deposit slips, filled issuance of Visa Debit Card form, filled cheques of
customers who did not knew how to fill a cheque. I also learned about Authorized signatures. I
also learned how to do marketing of a product in 1 minute. I learned how to use photostate
machine and scanner.
During my internship, I dealt with many customers and that was a great experience to learn:
• How to deal with customers.
• How to work under pressure i.e. in rush hours.
• How to manage an office.
• My communication skills were improved.
• My confidence level boosted up.

Conclusion & Suggestions
8.1 Conclusion:
MCB going towards to become a major player in the banking sector and its management is
working hard to implement its strategies for achieving their targets.
MCB strategy encompasses continuing growth in business volumes through providing a wider
spectrum of innovative financial products and solutions to an expanding client base.
However, this growth is without compromising on the quality of the credit portfolio for which
a well-designed, transparent risk management system is in place but still there is some areas
that to be improve, and bank should adopts more promotional activities.
The banking system, as a whole, remains healthy despite the economy going through a period
of economic difficulty. MCB ensured availing all possible positive opportunities and
delivered substantial profits ensuring sound asset growth. The profits of MCB have grown
considerably during the last few years and this trend is expected to continue into the future.
According to my findings I have given some suggestions and recommendations for the bank,
if the bank acts upon them then the bank will be more prosperous and will be to the road to
success.

8.2 Suggestion:
Introduction of various Profitable Investment Scheams:
A big portion of home remittance is sent to Pakistan through MCB bank Ltd. A big portion of
this amount is wasted on purchasing of luxuries. The people should be motivated to save money
by offering deposit through various investment schemes. it would be a profitable setup for bank.
Bringing Change in the nature of job:
Most bank employees are sticking to one seat only with the result that they become master of one
job and lose their grip on other banking operations.
Refresher Courses:
Refresher courses in the job are important in any international organization. All employees should
have these courses according to their requirements. Foreign experts could also be called for this
purpose.
Providing Special Training in Abroad:
Every year some employees should be sent to other countries for training and employees from
other branches should be brought here
The customer satisfaction should be guaranteed through rapid delivery of financial products and
services.
Implementations on the rules, regulation and polices should be done at all cost.
The employees should be promoted according to their turn. The bank should spend more on the
promotional activities.
For the development of the Human Capital the bank should conduct a series of training program
to achieve the mission.
Bank should adopt more promotional activities.
Bank should increase its branches all over the Pakistan.
Bank should arrange tours for the enjoyment of their employees.
The management of the bank should give the attention towards the implementation and
improvement of the Information Technology plan.
Increasing number of branches in all over the country can also generate significant income to
increase to the share holder wealth.
Customer support services should be improved significantly

References
[1] MCB Annual Report 2018
[2] Project on MCB Bank Limited
[3] MCB Bank Limited Kohat city Branch
[4] Muslim Commercial Bank, Ltd http://www.mcb.com
[5] Muslim Commercial Bank Pakistan http://www.mcb.com/pakistan/
[6] State Bank of Pakistan http://www.sbp.org.pk
[7] Statistical Bureau of Pakistan http://www.fbs.gov.pk

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