MCB Internship Report

Internship Report on MCB Bank Ltd (Sarishta Thall
0154 )
Internship Report on:

MCB Bank (Sarishta Thall 0154 Jaman Shah)
Submitted To:
MR Rashid Saeed
Submitted By:
Ghulam Abbas(42)
BBA (Morning)
Session 2012-2016
Dated:
Aug 07, 2015
DEPARTMENTOF BUSINESS ADMINISTRATION
Bahauddin Zakariya University

BAHADUR SUB CAMPUS (LAYYAH)
BZU Bahadur Sub Campus Layyah
Page 1
Prepared by: Ghulam Abbas 42
0154 )
Table of Content
Sr. No.
1
2
3
4
5
6
7
8
Vision And Mission Of MCB
Page. No.
---03
04
05
06
07
--
Values Of MCB
07
Historical Overview Of MCB
08
--
Product And Services
09
--
Other Product And Service Of MCB
10
--
Sources Of Funds
13
--
Organizational Structure Of MCB

Critcleanalysis
Management Information System And Plan Of Internship
Report
Rules And Responsibilities
Department Where Internship Carried Out
Financials Analysis
Swot Analysis
Conclusion
Recommendation
14
10
11
12
13
14
15
16
17
Details.
Title Page
Letter Of Undertaken
Scanned Copy Of Internship Certificate
Dedication
Acknowledgement
Introduction Of Banking Industry
Introduction Of MCB
16
17
18
20
22
27
29
30
DEDICATION
This report is dedicated to all our
Respectable Parents,
Respectable Teachers,
Page 2
0154 )
Who pray and help for us.

They guide us in every difficulty which we face in our project.
We were unable to prepare this project without their guidance.
Their guidance will be with us in every field of our life.
ACKNOWLADGEMENT
First of all we are thankful to almighty ALLAH whose blessing is always with us. We
are also thankful to our department for guiding us during making this report,
The co-ordination of all MCB Bank staff is really appreciable.
Page 3
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All the difficulties which I face during this report are maintained properly with smiling
face.
Introduction of Banking Industry

What is Bank?
By G.W. Gilbert,
Page 4
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o "A banker is a dealer in capital or more properly a dealer in money. He is an
intermediate party between the borrower and the lender. He borrows from one party
and lends to another."
Evolution of Commercial Banks in Pakistan

o The country started without any worthwhile banking network in 1947 but witnessed
exceptional growth in the first two decades.
Commercial Banking in Pakistan:

o Commercial banking in Pakistan can be divided in three phases and Commercial
banks operating in Pakistan can be divided into four categories:
o Nationalized Commercial Banks (NCBs),
o Privatized Banks,
o Private Banks
o Foreign Banks.
Pre-Nationalization Phase
o There were only 03 Muslim banks in Indo Pak before partition one of them was
Habib Bank Ltd. (establish in1941 at Bombay) and second was Australia Bank Ltd.
(establish in 1944 at Lahore) Third one was the Muslim commercial bank Ltd
established in 1946 at Calcutta.
Nationalization Phase
o In 1974 all Pakistani banks were nationalized through Nationalization Act 1974.
Under this law all Pakistani banks became a public property.
Post Nationalization Phase
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o In 1990 the government decided to denationalize all the nationalized institutes. For
this purpose, amendments were made to Nationalization Act 1974 and two
nationalized banks were privatized.
Introduction of MCB Bank Limited

MCB Bank is one of the top banks of Pakistan with a deposit base of Rs. 491 Billion
and total assets over Rs.653 Billion. Incorporated in 1947, MCB Bank soon earned
the reputation of a solid and unadventurous financial institution managed by emigrant
executives. In 1974, MCB Bank was nationalized along with all other private sector
banks.
The Bank has a customer base of approximately 4 million, a nationwide distribution
network of over 1150 branches and over 676 ATMs in the market. Before tax profit
31.483 billion which is largest among all banks in Pakistan.
Page 6
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Vision & Mission OF MCB Bank
Vision Statement of MCB Bank
o To be the leading financial services provider, partnering with our customers for a
more prosperous and secure future.
Mission Statement of MCB Bank

o 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.
Values of MCB Bank

Integrity
o 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.
Respect
o We respect our customers values, beliefs, culture and history.
Excellence
o We take personal responsibility for our role as leaders in the pursuit of excellence.
Customer Centricity
o 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.
Innovation
We encourage and reward people who challenge the status quo and think beyond the
boundaries of the conventional..
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Business Volume Corporate Information

MCB Bank Limited is Public Limited Company listed on Karachi, Lahore & Islamabad
Stock Exchanges in Pakistan, under license number BCD (1) 17-66 dated 8th December
1966 and its external Auditors KPMG Taseer Hadi & Co. (Chartered Accountants) total
number of shareholders - as of December31-12-2010 is 760214979.
Historical Overview
Formation:
o MCB Bank (formally Muslim commercial bank limited) Bank Limited completed his
65 years in the field of banking quite successfully. MCB bank was formed in 1946 in
Calcutta. The registered office of the bank transferred to Karachi in 1948.Now its
principal office is shifted at Lahore and registered office at Islam Abad.
Achievements:
o MCB Bank Limited won Best Bank in Pakistan Euro money awards eleven times in
2000, 2001, 2003, 2004, 2005, 2006 and 2008 to 2011,
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Products and Services

During my stay I observed that a large verity of products and services are offered by
the MCB Bank and I will explain in detail these services and product as functioning
of commercial bank.
Main Products and Services

Deposit
o Bank accepts deposits which are maintain by the bank in different kinds of accounts.
MCB bank offers these accounts for depositing the funds.
Current Account
o MCB Bank offers a variety of current accounts to cater to the everyday transactional
needs of various customers.
Savings Account
o MCB savings accounts offer attractive profit rates as well as flexibility to transact.
Terms Deposit
o MCB Term Deposits offer attractive short to mid-term investment options with
flexibility, convenience and security.
o Loans and Advances
o Banks grant loans to the spenders so MCB bank also grant different kids of loan to
different customers.
o Consumers Loans:
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o MCB bank offer loans for personal use to the individuals or group of people it
will be granted on the incomes of the desired individuals.
Commercial and Corporate:

o MCB Bank also offer commercial loans to the individual and group of people it will
granted on the in three ways as under:
o Hypothecation: In this case ownership and possession in names and hands of

client.
o Pledge: In this case ownership and possession in names and hands of bank.
o Mortgage: In this case ownership in names of bank but possession in hand of
client.
Running Finance:
o It will be issue on hypo bases and personal guaranty is required for it.
Cash Finance:
o It will also issue on pledge base pledge and personal guaranty is also required
for it.
Cash for Cash:

o It will also issue on pledge bases but in this case pledge assets must be liquid
and personal guaranty is also required for it.
Demand Finance:
o It will be issue on mortgage bases and personal guaranty is also required for it.
Others Products and Services

MCB Bank Visa Credit Card
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o MCB Bank offers a complete suite of Classic, Gold and Platinum Visa Credit Cards
focusing on providing, superior service, travel privileges & shopping pleasure.
MCB Bank Smart Card

o MCB Bank Smart Card is the key that enables access to convenient banking services.
MCB Bank Rupee Travelers Cheque

o Rupee Travelers Cheque, being the market leader, is the most widely accepted way to
pay cash for travel-related purposes.
MCB Bank ATMs

o MCB Bank has one of the nation's largest ATM networks with over 450 ATMs and
still growing.
MCB Bank Mobile ATM

o MCB Bank Mobile ATM not only provides world class banking service but also
provide convenience.
MCB Bank SMS Banking

o SMS anytime to get information regarding balance, mini statements and credit card
related information once your card is linked.
MCB Bank Mobile

o MCB Bank Mobile is a quick easy and secure way to recharge mobile phones,
transfer money, pay bills and do much more.
MCB Bank Call Center

o Theres no easier way to bank than the new enhanced 24/7 MCB Bank Call Center,
which blends innovation and convenience to provide Banking Services that go
beyond expectations.
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MCB Bank Investment Services
o MCB Bank Investment Services offer distribution of mutual funds managed by the
leading fund managers of Pakistan
MCB Bank Advisory Services

o MCB Bank also provide financial advisory services, commercial structuring support
and access to capital resources to help companies successfully finance their
business/project.
MCB Bank Lockers

o Lockers of different capacities are available nationwide.
MCB Bank Banc assurance

o MCB Bank Banc assurance has created a one-stop shop for all your financial and
insurance needs.
MCB Bank Local Rupee Drawing Arrangement

o Transaction Banking Department at MCB Bank provides Local Rupee Drawing
Arrangement, a product for small banks and financial institutions.
MCB Bank Home Remittance

o MCB Bank Home Remittance provides a faultless inflow of foreign remittances
credited in the beneficiarys account within minutes.
o MCB Bank Equity Capital Raising

o MCB Bank offer capital for their 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.
MCB Bank Islamic Banking

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o MCB Bank Islamic Banking provides Reba Free and Sarah Compliance services to a
variety of customer segments.
Sources of Funds
Depositors:
o Like all commercial bank deposits are main source of MCB Bank and recently in
2011 total amount of deposits are 491 billion rupees. There are different types of
deposits which as under:
Types of Deposits
Fixed deposits
Saving deposits
Current accounts
Margin accounts
Allocation of Funds
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Loans:
o MCB bank allocate the funds for profit generation it is also proved to be the best
items in funds allocation and recently in 2011 total markup earns through it is rupees
44.5 billon.
Advances:
o Short-term loans are also a valuable source of incomes so MCB Bank also allocating
the funds in it. These may include:
o Cash Credit
o Overdraft
o Discounting of bills
Securities:
o MCB Bank also makes investment in securities and in recently 2009 total earning
from investing in securities are rupees 13,894,162, 000.
Others:
o MCB Bank also allocates his funds many other activities for generating revenue these
may include:
o Repurchase agreement
o Interbank transactions
o Project Financing
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Organizational Structure
Introduction
o To the best of my knowledge and from different sources here under structure of
Management of MCB Bank is explained below.
Chairman
o Mian Mohammad Mansha
Human Resources Committee

Mian Mohammad Mansha
Chairman
Mr.Ahmad Alman Aslam
Member
Mian Raza Mansha
Member
Mr. Shahzad Saleemn
Member
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Mr. M.U.A. Usmani
Member
Risk Management & Portfolio

Review Committee
Mian Umar Mansha
Chairman
Mr. Manzar Mushtaq
Member
Mr. Sarmad Amin
Member
MUA Usmani
Member
Mian Umer Mansha
Member
Critical Analysis
Risk framework:
MCB Bank has good risk framework a Risk Management & Portfolio Review Committee
is in place which has five members including chairman of the committee. This committee
is responsible for developing risk frame work according to the guidelines of SBP.
o Currently a centralized framework is apply by the MCB which is comply with the
guidelines of SBP I will discuss in detail where it applied for risk mitigation of all
types of risk faced by the bank in this dynamic environment. Here under all types of
risk which faced by the bank.
Risks faced by the bank

Systematic Risk:
o In finance terms systematic risk are market risk, aggregate risk, or un-diversifiable
risk, is the risk associated with aggregate market returns. This risk should not be
confused with systemic risk because risk of loss from some shattering event that
collapses the entire financial system.
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Unsystematic Risk:
o In Finance terms unsystematic risk are specific risk, idiosyncratic risk, residual risk,
and diversifiable risk these are the company specific risk in a portfolio which is
uncorrelated with aggregate market returns. Here under some of these risk are as
under:
Credit Risk:
o MCB Bank face credit risk it arises from dealings with individuals, corporate,
financial institutions, sovereigns etc.
o Market Risk:
o MCB Bank face market risk which arises from changes in market rates such as
Interest Rates, Foreign Exchange Rates and Equity Prices etc.
Security system
Above mentioned security risk is mitigate by establishing a security system. In
Branch office where I work has security system which are as under:
Security Guard:
o In place of MCB Bank where I spend my six weeks in training has a security
department, security guards are hired for mitigating the security risk.
MCB Bank Computerized Card:

o Everyone in head office has a computerized card on which his detail are printed but
also it serve as security code that without it every door is closed for you because a
chip is in place in this card.
Management Information System

MCB Bank has good information system in place which provides information needed
to manage organizations effectively. These are regarded to be a subset of the overall
internal controls procedures in a business, which cover the application of people,
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documents, technologies, and procedures used by management accountants to solve
business problems such as costing a product and service.
MCB Bank use MIS system all over the Pakistan between Its branches naming
SYMBOLS and naming FOCUS within CRCD. These are ORACLE based software.
Employees Integrity
Integrity of employees is significant and the most important element because without
it the business owner cannot count on receiving the results expected and promised In
MCB Bank high degree of good governance, transparency,
Customer:
o A customer is a person which want to obtain loan from bank he contact with the
loaning and advances officer in branch where his account is open. A customer can be
a consumer, commercial or corporate.
Plan of internship program

I have completed my 6 week Internship program at Sarishta Thall Branch Jaman
Shah. Main objective of the internship was to observe and learn about the working of
a commercial bank.
Staff of MCB Sarishta Tall 0154 Jaman Shah

1.Branch Manager
2.Branch Operation
7. Cash Department
Mr. Umar Naseer Sb

Mr.Junaid Bashi
Mr. Abdul Nasir
Roles & Responsibilities

1. Branch Manager
A Branch Manager is a sole in charge of branch banking. In MCB a branch manager is
responsible for growth in deposits, advances sales etc. He also plays vital role in smooth
working of branch, control over expenses generate income.
2. Branch Operation Manager

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The role of operation manager is very important. An operation manager is controller of
branch internal working. He has to ensure that total working/activities are being done
according to prescribed procedures set down by the bank.
3. Credit Officer
A credit officer is the in charge of branch advances he maintains records of loans. He
processes credit proposals maintains credit files cheques the banks hypothecated/pledged
stocks. He also looks after legal cases/issues.
4. Clearing Officer
A clearing officer processes clearing. He also keeps record of out station cheques, inward
clearing. He also works as dispatcher/receiver of dark.
5. General Banking Officer

General banking officer perform posting of vouchers in computer systems/ledgers. He
also assists the customers in filling of deposit slips and other applications.
6. Customer Services Officer

Customer services officer is basically receptionist. He welcomes the customers, attends
their calls/balance inquires. He opens the new accounts of the customers. He maintains
the ATM card record of customer.
7. Cash Officer
A cash officer or teller receive cash from customers post their vouchers in the system.
Make payment of cheques collect utility bills. He keeps records of cash. He is also
custodian of the cash.
Signing and Passing Methodology

To stream line daily working in the branch MCB bank Ltd delegates some powers to sign
and pass the vouchers and cheques on a daily basis. To its officers according to their
functional title. When an officer posts a cheque or voucher in the system he also passes it.
If any voucher or cheque exceeds from passing limit then he refer it to supervisor.
Department of MCB:
MCB provided different services to their customer. To fully satisfy their customer, and for
efficient working, they assign different services to different departments. Few of these
given below:
Cash Department
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Clearing and Collection Department

Remittance Department
Department where internship was carried out:

The department where I worked is explained as follows:
Account Opening Form

Opening of account is a basic process of branch banking the deposits are backbone of a
bank and opening of account is major source of bank deposits. The account opening
form is a contract between the banker and customer. As such bank has to be very careful
at time of account opening and account opening officer collects certain documents i.e.
CNIC, occupation proof, business proof, registration certificate in case of accounts of
registered forms/companies etc.
Whenever a customer desire to open an account with the bank, he fills in account
opening form and hands it over to customer services officer (CSO).
The CSO checks the AOF gets necessary information from the customer and prepare
Know Your Customer (KYC) profile and refer the operation manager or manager.
Manager or operation manager check the AOF and KYC, reconfirm the contents and
after entire satisfaction gives his approval for the opening of account. Then CSO entire
the form in the system branch operation manager approves it and specific number is
allotted to the customer which is called account number. In MCB a single account
opening form is used for any type and nature. There are some types of account given
below:
1. Individual Account
Single
Joint
2. Business Account
Sole proprietorship
Joint stock company (Public/Private)
Partnership (Registered/unregistered)
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Societies
Association/Club/Trust
Autonomous Bodies
Govt. Institution (Federal/Provincial)
Nature of account has already discussed in main products and services chapter.
Cash Department
The main function of this department is Payment and receipt. It collects and pays money
to the customers, on behalf their account, through cheques or any other instruments.
There are three main functions of the cash department:
Payment
Clearing
Receipts (Collection of money from the customer in their accounts, Collection of
Utilities bills)
Clearing and Collection Department:

Clearing implies a system by which banks exchange cheques and other negotiable
instruments drawn on each other within a specified area and thereby secure payment for
their clients through the clearinghouse at specified time in an efficient way.
The major operation of clearing departments is related to the check verification. This is
divided as follows:
Transfer of cheques
Clearing of cheques
The procedures for cheques transfer and clearance are as follows:
Transfer of Cheques
It deals within the inter-bank transfer of cheques. Suppose a person X gives a cheque of
MCB to another person Y who also has an account in MCB, the clearing department will
handle it. The clearing department simply debits one account and credits the other one.
Clearing Of Cheques
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It also deals with the cheques of other banks. Suppose an NBP account-holder gives a
cross cheque for MCB. Similarly, MCB account-holders give cheque to people having
accounts in other banks; these all banks need to clear their overall balances with each oth
Credit department
Credit department is very important department responsibilities of this department are:
1. to processes loan proposals/applications.
2. To maintain record of loan documents and files.
FINANCIAL ANALYSIS:
Financial statement is any written report that purports to show the financial condition of
an organization. It may include balance sheet, income statement, cash flow statement, and
a report of changes in net worth.For stakeholders of a business, analysis of the financial
statements is the primary way to critically examine its financial position, in order to seek
answers to varying queries.
Publication of financial statements is a statutory requirement for corporations chiefly
addressed to stakeholders outside the business, albeit they serve the management for
internal control in many ways. The fact that the audit carried out to uncover any material
irregularity, is based on simple of items, leaves some room for incredulity.
Purpose of Financial Statement Analysis:

Analysis is generally directed towards delving into three broad aspects of a business,
which are the driving forces behind the stakeholders decisions.
These are:
1. Solvency of the business.
2. Stability of the business.
3. Profitability of business.
The solvency of a business means its ability to meet its liabilities as it nature.
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LIMITATION OF FINANCIAL STATEMENT:
Financial statements are based on historical cost convention. They do not portray the real
or market value of items on the face financial statements. The creditability of financial
statements is confined to the audit carried out, and most audit evidence is persuasive
rather than conclusive. Financial statement does not disclose any significant future events
or contingencies. Financial statement does not compare the actual figures with any
standard set. Qualitative information about the business is not found in financial
statements.
Balance Sheet
Balance Sheet for MCB Bank
Ltd (MCB)
All Values in Millions PKR (expect
Per Share) FY 2011
Period End Date
Asset
Cash & Near Cash Items
Inter banking Assets
Inter banking Assets
Net Loans
Long-Term Investment
Net Fixed Assets
other Assets
Total Assets
Liabilities & Shareholders'
Equity
Customer Deposits
ST Borrowing & Repos
other Short-Term Liabilities
Long-Term Investment
FY 2013
12/31/2011
FY 2012
12/31/2010
37,797.12
18,638.00
306,832.49
225,794.74
8,954.93
21,716.89
36,590.64
656,324.81
35,036.44
16,324.13
199,679.20
254,565.47
12,302.08
20,752.32
31,822.23
570,481.86
479,061.48
21,552.13
18,459.16
39,100.63
420,558.11
21,002.93
16,090.37
25,684.59
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other Long-Term Liabilities
Total Liabilities
Total Preferred Equity
Minority Interest
Share Capital & APIC
Retained Earning & other Equity
Total Equity
Total Liabilities & Other
6,497.10
564,670.50
0
492.5
18,286.80
72,875.01
91,654.31
5,146.73
488,482.74
0
2.7
17,304.68
64,691.75
81,999.13
Equity
656,324.81
570,481.86
Income Statement
Income Statement for MCB
Bank Ltd (MCB)
All Values in Millions PKR (expect
Per Share)
Period End Date
Net Interest Income
FY 2011
12/31/2011
45,368.84
FY 2010
12/31/2010
37,252.49
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Trading Account Profit
Commission & Fees Earned
Other Operating Income
Net Revenue
Provision for Loan Losses
Net Revenue After Provision
Non-Interest Expense
Operating Income
Net
Non-Operating
Losses
924.22
4,921.27
676.61
51,890.93
2,846.52
49,044.40
17,806.21
31,238.20
639.79
4,133.11
672.57
42,697.96
3,100.59
39,597.36
13,458.44
26,138.92
(Gains)
Pretax Income
Income Tax Expenses
Income Before XO Items
Extraordinary Loss Net of Tax
Minority Interests
Net Income
Total Cash Preferred Dividends
Net Inc Avail to Common
-83.59
31,321.78
12,019.30
19,302.48
0
28.17
19,274.32
0
-370.72
26,509.64
9,637.51
16,872.13
0
-1.89
16,874.02
0
Shareholders
Abnormal Losses (Gains)
Tax Effect on Abnormal Items
Normalized Income
Basic EPS Before Abnormal
19,274.32
0
0
19,274.32
16,874.02
0
0
16,874.02
Items
Basic EPS Before XO Items
Basic EPS
Basic Weighted Avgas Shares
Diluted
EPS
Before
20.98
20.98
20.98
919.86
18.35
18.35
18.35
919.86
Abnormal Items
Diluted EPS Before XO Items
Diluted EPS
Diluted Weighted Avgas Shares
20.98
20.98
20.98
919.86
18.35
18.35
18.35
919.86
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SWOT Analysis
For a better strategic management, organizations need to go for scanning the internal as
well as the external sources on which the overall business lies. The first and the foremost
concern of the organization are to see its internal capabilities and the things which can be
the problem in achieving their targets, goals and aims. I conduct the SWOT analysis of
the MCB Bank and my findings are here under explained.
Strengths
o Safe and secure investments venture
o Innovative and new technology adapter
o Employee Satisfaction
o Well Equipped and fully secure environment
o Modernized banking (online + Internet)
o Complete supervision at every level
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o Business continuity management and implementation of advance model under
Basel II
Weaknesses
o Weak organizational culture (need a paradigm shift to improve organizational
structure)
o HR Policies (appraisal, compensation, career planning)
o Networking problems regarding ATM
o Weak MIS interconnectivity among the Division
o No mobile ATM services in rural areas.
Opportunities
o Information Technology (MIS)
o Establishing more Foreign Branches
o Local Setup should be expanded.
o Internet Banking
o Some more innovative products and services should be introduced.
o Centralization
Threats
o Downsizing is potential threat for MCB employees and they are losing their
confidence towards bank performance
o Fierce competition
o Changing environment of banking
o Instable Govt., economical and political conditions are a great threat.
o Entrance of international banks
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Conclusion
The work within each unit is not divided properly when an employee is absent
another employee (who is already over burdened by own job) is given absentees
whole work instead of dividing it among employees.
Accommodate management is required.
Internees are not considered part of the organization so are not allotted as such
assignments.
Theres no proper arrangement for guidance of internees.
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Working hours are quite long; mostly employees have to sit even after the office
hours to complete their work. (E.g. branches suddenly overburden them for there
clearances and they have to manage it)
Inefficiency of IT department (At times system software is not in working order
which causes delay in work, and IT is not efficient to help)
Rotation on duties without proper training.
No refresher courses.
Recommendations
Following are my suggestion to improve the efficiency for the development of the
economy
Work load should be equally divided among the employees
Accommodation should be properly managed.
Internees should also be considered part of the organization, and should be given
some practical work as well in order to give them a more detailed knowledge
regarding work.
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Internship Report on MCB Bank Ltd (Sarishta Thall

Internship Report on:

Bahauddin Zakariya University

Internship Report on MCB Bank Ltd (Sarishta Thall

Vision And Mission Of MCB

Historical Overview Of MCB

Product And Services

Other Product And Service Of MCB

Organizational Structure Of MCB

BZU Bahadur Sub Campus Layyah

Internship Report on MCB Bank Ltd (Sarishta Thall

Who pray and help for us.

Internship Report on MCB Bank Ltd (Sarishta Thall

Introduction of Banking Industry

Internship Report on MCB Bank Ltd (Sarishta Thall

Evolution of Commercial Banks in Pakistan

Commercial Banking in Pakistan:

Post Nationalization Phase

BZU Bahadur Sub Campus Layyah

Internship Report on MCB Bank Ltd (Sarishta Thall

Introduction of MCB Bank Limited

BZU Bahadur Sub Campus Layyah

Internship Report on MCB Bank Ltd (Sarishta Thall

Mission Statement of MCB Bank

Values of MCB Bank

BZU Bahadur Sub Campus Layyah

Internship Report on MCB Bank Ltd (Sarishta Thall

Business Volume Corporate Information

BZU Bahadur Sub Campus Layyah

Internship Report on MCB Bank Ltd (Sarishta Thall

Products and Services

Main Products and Services

BZU Bahadur Sub Campus Layyah

Internship Report on MCB Bank Ltd (Sarishta Thall

Commercial and Corporate:

o Hypothecation: In this case ownership and possession in names and hands of

Cash for Cash:

Others Products and Services

Internship Report on MCB Bank Ltd (Sarishta Thall

MCB Bank Smart Card

MCB Bank Rupee Travelers Cheque

MCB Bank ATMs

MCB Bank Mobile ATM

MCB Bank SMS Banking

MCB Bank Mobile

MCB Bank Call Center

Internship Report on MCB Bank Ltd (Sarishta Thall

MCB Bank Advisory Services

MCB Bank Lockers

MCB Bank Banc assurance

MCB Bank Local Rupee Drawing Arrangement

MCB Bank Home Remittance

o MCB Bank Equity Capital Raising

MCB Bank Islamic Banking

Internship Report on MCB Bank Ltd (Sarishta Thall

Internship Report on MCB Bank Ltd (Sarishta Thall

BZU Bahadur Sub Campus Layyah

Internship Report on MCB Bank Ltd (Sarishta Thall

Human Resources Committee

Mr.Ahmad Alman Aslam

Mian Raza Mansha

Mr. Shahzad Saleemn

BZU Bahadur Sub Campus Layyah

Internship Report on MCB Bank Ltd (Sarishta Thall