Professional Documents
Culture Documents
Internship Report
Internship Report
Internship Report
ON
State Bank of Pakistan BSC D. I. Khan
Submitted To:
Akasha Imrani
Submitted By:
Talha Sheikh
ID# 8510-D
Bachelor of Business Administration
Dedicated
To
My dear Parents, respected Teachers &all the
Bank officials for their support
ACKNOWLEDGEMENT
In the recent world of competition there is a race of presence in which those are having
will to come forward succeed. First of all thanks to Allah Almighty who has always
guide me on the right path of life and empower my knowledge usable to complete
this report and made it possible. I would like thanks to the management of SBP BSC
(D.I.KHAN) to Appoint me as a internee and give me opportunity to the practical
exposure of banking sector. This report provides knowledge and experience that I got
during internship in SBP. During Internship I have learned a lot of things from state
bank of Pakistan BSC (D.I.KHAN). Also special thanks to my Parents, Teachers and
Friends who have been always encourage, guide and pray me for reaching this stage.
Executive Summary
I have done my internship in State bank of Pakistan BSC (D.IKHAN) . As we all know
that state bank is the head, leader and supervisor of all commercial banks . it creates
money as a currency and only has sole authority to issue currency notes to issue
offices. It control credit money create by commercial banks and maintain and manages
the money supply in the country. The reason why I choose this bank because it is the
central bank. There are a large number of departments in this bank and one can learn a
large number of things in this bank. There are many departments in this bank but the
department in which we were worked are cash department, banking department, staff
matter unit, general service unit, prize bond unit, currency management unit perform
many operations.
The document contains on internship report on women entrepreneurship in dikhan how
women entrepreneur work in dikhan? which products produced by women
entrepreneur in dikhan? Objectives of women entrepreneur and what are the role of
women entrepreneur in worldwide, Asia , Pakistan and dikhan?
APPROVAL CERTIFICATE
The Internship Report on State Bank has been submitted by Talha Sheikh ID:
8510D, student of BBA (Hons).The student worked under my supervision and his
Internship report is approved.
SUPERVISOR: __________________
Table of Contents 3
Chapter#1 ........................................................................................................................................ 6
INTRODUCTION .......................................................................................................................... 6
CHAPTER 2 ................................................................................................................................. 15
CORE FUNCTIONS..................................................................................................................... 15
Departmentalization ...................................................................................................................... 21
Chapter#4 ...................................................................................................................................... 37
Project ........................................................................................................................................... 37
Chapter 5 ....................................................................................................................................... 45
5.1 Strengths.................................................................................................................................. 46
Subsidiaries of SBP
The SBP holds “three” fully owned subsidiaries to augment its functions. These are:
Established under the SBP-BSC Ordinance 2001, SBP-BSC supports SBP in performing
functions such as handling of currency and credit management, facilitating the inter-bank
settlement system, and sale/purchase of savings instruments of the Government on behalf of
Central Directorate of National Savings. SBP-BSC also collects revenue and makes payments for
and on behalf of the Government. It also carries out operational work relating to development
finance, management of public debt, foreign exchange operations and export refinance. The
Board of Directors of SBP-BSC, chaired by the Governor SBP, comprises of all members of the
Central Board of SBP and the Managing Director of SBP-BSC.
SBP-BSC consists of 16 field offices in Pakistan with the head office in Karachi.
NIBAF is the training arm of SBP, providing executive development trainings to new inductees
and various levels of SBP employees. The subsidiary also conducts international courses on
central and commercial banking in collaboration with the federal Government. Furthermore,
NIBAF offers training to SBP-BSC and other financial institutions. NIBAF is incorporated under
Companies Ordinance, 1984 and has a separate Board of Directors.
Deposit Protection Corporation (DPC) has been established as a wholly owned subsidiary of
SBP Upon commencement, this entity will be responsible to provide protection of deposits of
member financial institutions operating in Pakistan. The objective of DPC is to compensate the
depositors to the extent of protected deposits in the event of failure of a member Financial
Institution. The limit of protected deposits shall be determined by DPC and will be announce due
course.
For the purpose of protecting depositors of Islamic Banks and branches, a separate Shariah
compliant mechanism of deposit protection shall be put in place.
An exchange control office of state bank of Pakistan started functioning at D.I.KHAN from Ist
august 1983. thereafter a skeleton office started its work on ist January , 1995 in order to make
full arrangements for opening a full-fledge office at this center . On establishment of SBP BSC
(bank as subsidiary of state bank of Pakistan from January 2002, this office has been started its
stator responsibilities as field office of SBP BSC (bank).
1.2 Objective
The state bank of Pakistan is a nonprofit organization. Its main objective is to manage or
maintain the currency supply in country. Increase or decrease in money supply can create
inflation or deflation in country, so these things should be handled immediately and state bank is
doing this.
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1.6 Introduction to Banking Services Corporation SBP (BSC)
As SBP felt that there is extra burden of workload to perform policy making functions as
well as operational functions the administration establishedhe SBP Banking Services
Corporation (SBP-BSC) was established as a wholly owned subsidiary of State Bank of
Pakistan in January, 2002, under the SBP Banking Services Corporation Ordinance 2001.
Regional Offices
The sixteen (16) Field Offices of the Bank are structured into the following three
Regions:-
Regional / Field Offices of the Bank typically provide the following Banking Services:-
In addition, for proper and efficient management of the business relating to the issue of
notes / currency, there exists four Currency Issue Circle Offices of the Bank. The
location of these Offices and their geographical limits are as under:
Currency
issue Geographical limits of each circle
circle
offices
CH
APTER 2
CO
RE
FUNCTI
ONS
State Bank of Pakistan is the Central Bank of the country. State Bank of Pakistan
performs both the traditional and developmental functions to achieve
macroeconomic goals. The traditional functions, which are generally performed by
central banks almost all over the world, may be classified into two groups: (a) the
primary functions including issue of notes, regulation and supervision of the financial
system, bankers bank, lender of the last resort, banker to Government, and conduct
of monetary policy, and (b) the secondary functions including the agency functions like
management of public debt, management of foreign exchange, etc., and other functions
like advising the government on policy matters and maintaining close relationships
with international financial institutions. The non-traditional or promotional functions,
performed by the State Bank include development of financial framework,
institutionalization of savings and investment, provision of training facilities to bankers,
and provision of credit to priority sectors. The State Bank also has been playing an active
part in the process of Islamization of the banking system. The main responsibilities of the
State Bank can be broadly categorized as under.
TYPES OF FUNCTIONS
Primary Functions
Secondary
Functions
Non-
Traditional
Functions
2.1 Primary Functions of SBP
2.1.1 Issuing of Notes
1: Regulation of currency in accordance with the requirements of business and the
general public.
2: Granted the sole right of issuing notes in the country under Section 24of the
State Bank of Pakistan Act,1956
Two separate dept. deal with the affairs of issuing of notes Currency
Issuing Department:
Deals with the issue of notes Banking Department:
Undertakes general banking business
1: The issue of one rupee and subsidiary coins
2: The Bank merely looks after the management of their issue on behalf of the
Government.
3: The State Bank also issues “Commemorative (Yadgari)" notes and coins of different
denominations at occasions of national importance.
4: Currently there are three offices of issue at Karachi, Lahore, Peshawar, and a number
of currency chest all over the country.
2.1.2 Conduct of Monetary and Credit Policy
1: Section 9A of SBP Act, 1956 entrusts the Central Board of the Bank to formulate and
monitor monetary and credit policy by taking into account the Federal Govt.'s targets for
growth and inflation.
2: State Bank must take into account Recommendation of the Monetary and Fiscal
Policies Co-ordination Board.
2.1.3 Regulation & Supervision of Financial System
It is a principal task of SBP to make sure that financial system is sound.
1: SBP has been given vast powers under Pakistani Law to monitor financial system.2: It
is the responsibility of State Bank to systematically monitor the performance of every
banking company to ensure its compliance with the statutory criteria, and banking rules
& regulations
3: SBP monitors the banking activities through a combination of off-site monitoring and
on-site inspection.
Chapter#
3
Departme
ntalization
3.1 Departments of SBP (BSC)
Introduction
Banking Services Corporation (BSC) – set up in January 2002, is the subsidiary
of the State Bank of Pakistan and is entrusted with the task of currency management and
operational and administrative oversight of foreign exchange departments, export
and other finance, Management of Government accounts and operational work related
to Government certificates. With the changing environment of banking sector, BSC has
undergone significant change.
3.1.1 Departments
1. Public account unit
(a)Government/ commercial Banks checques (b) intercity checques (c) Small city
(a) Government/ commercial Banks checques drawn on D.I.Khan
Whenever the cheque comes from in the clearing section with the receipt invoice/Challan
form that was deposited to counter of receipt section instead the officer give that person
a paper token in which no. of checques and branch name of that cheque is written and
also name of the Government department is mention on which amount will be deposited.
Officer of the input will input that cheque into their record and will sent it to the officer
of authorization. Authorization officer after stamping that cheque this cheque will be
given to the NIFT. NIFT will give that cheque to the respective branch and on the next
day will provide information to the PAU that cheque has been cleared. In such case one
copy of challan is sent to the government department and one copy return against the
paper token.
If cheque has issues and did not clear by the respective branch. In that case NIFT return
that cheque to the PAU receipt Section and then this cheque will be return to the
depositor.
(b) Intercity Clearing:
In this type of clearing the cheque will drawn on major cities like Islamabad,
Lahore. Same process to deliver that cheque used but clearing time that cheques
will be done in one day. Because Nift sent those cheques to their respective
branch in other cities and the cheque will be cleared city wise.
(c) Small city Clearance:
This type of clearing is done for the small cities without NIFT. In this case those cheques
will send to the NBP Branch of that city than NBP plays a role of NIFT to clear those
checques. For this purpose a Register maintained called Collection register in which
particulars, Sr. No, SC No., Cheque No. Date, Amount and remarks are maintained.
3.2.6 Verification authority of cheque:
• OG-2 will have the authority to verify the checques have amount not greater than
2 million.
3.2.7 Payment
In public account unit the payment will be made to only the Public sector organizations
like hospitals, agriculture, health education, police, social welfare, livestock, courts,
fisheries etc.
OG-2 up to 2 million
ACM up to 100 million
DCM above 100 million
Clearing Before NIFT:
Before NIFT every bank’s representative will come to the SBP clearing Office having
checques of different Banks and then they interchange that cheque to each other.
NIFT:
NIFT means National institutional facilitation technology private ltd. This institute acts
as bridge between all banks to facilitate them in clearing their instruments.
Types of clearing:
(1) Normal clearing (2) Intercity clearing (3) Same day clearing
Normal clearing
In this clearing all the normal procedure which is given above will be follow through
NIFT to clear checques.
Intercity clearing:
In this type of clearing all cities will sent their checques to their main branches where
NIFT is operating and then this Main branch will give this cheque to the NIFT and NIFT
will make list of that checques and sent for clearing to the respective Banks.
Same day clearing:
In this type of clearing cheque will be clear on the same day on that special service NIFT
will charge greater to the depositor Up to Rs. 400 per instrument for clearing.
Withdrawal Procedure:
Withdraw procedure is that concerned Bank’s authorized person has to present the
cheque to the deposit account unit and in which the officer (OG 1) checks all the
particulars, amount in words, amount in figures, signature of the two authored person of
the commercial Bank and stamp of the concerned Bank. After checking all the particulars
then he will check the account balance of the Bank whether there is sufficient amount is
available in their account or not than he/she will mark stamp on the cheque and then this
cheques will be transferred to the Officer (OG 2) he/ she will verify all the particulars
and account balances and after doing signature on the cheque then cheque will transfer to
the ACM (Assistant chief manager) to final approval. After approval Bank’s person can
withdraw cash from the cash counter.
Reconciliation
Reconciliation is a process where central bank reconciles the account balances of
commercial banks , SBP reconcile the balances of these commercial banks and this
facility is provided under this unit.
For employees of SBP:
DAU is also deal with the employees’ payment of allowances, rest and recreation
allowances, half salary allowance, personal loan, car loan, house loan, medical vouchers
and pension payments. SBP is providing interest free loan to their employees. DAU
make the payment orders for employees and employees can withdraw cash from cash
counter.
3.3.2 Remittances
SBP facilitates the movement of funds from one place to another in the Pakistan
Remittance slip colour white which is used for currency notes sent to NBP chest.
Types of remittances:
a) Mail Transfer
This is for employees of State bank . For example if employee of the SBP
(BSC) D.I.KHAN want to get his salary in State Bank Karachi they use Mail
transfer.
b) Clean Cash:
Record of daily Receipts and payment balances of SBP is called clean cash.
c) Telegraph Transfer:
This is Bank to Bank Transfer . For example UBL Lahore has excess
amount of cash and he wants to transfer his cash to other main branch of
UBL in Multan. So SBP Lahore transfer money to State bank Multan get
this cash from SBP.
d) Bank Draft:
This is for employees of Commercial Bank. if they want money they go to SBP and give a
cheque to them according to limit of their salary and State Bank debit their account and give
money to person and when the money came into the account of that person SBP credit this
account.
e) Government Draft :
It facilitates the transfer of receipts and payments of government free of charges. For
instance
The Management of Currency was taken over by SBP from Reserve Bank of India on
Ist july 1948.
Working of Currency Management Division
1. Verification:
The cancelled notes Verification Branch which takes over paid and cancelled
notes, subjects the same to both quantity and quality checks and issues warrants of
destruction . Thereafter, the notes are destroyed by shredding machine.
2. Claim:
The claim branch deal with all applications for payment of exchange value of
mutilated and other claim notes and maintain their account . it also deals with
imperfect and Forged Notes received in the office.
3. Resource:
The resource Branch attends to the supply of notes and coins at different centers and keeps proper
account thereof.
4. Accounts:
The accounts branch maintains accounts of the balances and transaction of notes
and the assets of issuing department , transaction between banking and issuing
department and also the accounts of small coin depot and the govt stock of surplus
Rupee coin maintained in the office.
1. Prize bonds
1. Prize bonds:
Prize bond is a National saving scheme which is operated by the SBP
on the behalf of government.
It is also known as Lottery Bond
Funds raised are used to offset government borrowing and are refundable to bond owner
on demand.
Non interest bond
No fees charged on this type of Bond.
Small denominations:
There are four categories in small denominations 100, 200, 750, 1500. Draw of these
bonds held on 15th of the month.
Large denominations:
There are also four denominations in large denominations 7500, 15000, 25000, 40000 &
100000.
2) Shut Period : when you purchase the bond before 15 days from withdrawal is called
shut period.
In this Period no sale occurs but only sale of fresh serial prize bonds can be held.
You would not be included in the draw.
Special Saving Certificates (SSC)
These certificates are issued by the government for the period of maturity of 3 years. The
profit on this certificates can be Obtained after every six months at the time of issuance
of the certificate a check book is given to the customer. The rate of interest is fixed on
these certificates.
These certificates are long term investment scheme issued by the government for the
period of 10 years. To get the profit on this certificates these must be hold for the ten
years .if the person comes after one year and claim its profit the profit will be given and
the DSC will be taken and the payment actual is made.
3.Distribution
Currency
6.Destruction
Life Cycle
4.Circulation
5.Sorting
4
The 4th session is on Various categories of Notes
1 Issuable Currency Notes
• Fresh Notes
• Re-issuable Notes
2 Non-issuable Currency Notes
Soiled Notes.
Claim Notes.
Charred Notes.
o Features for general public that can be seen through naked eye or recognised without the
use of devices.
Covert Features:
o Features that can be recognised through use of devices like Ultra violet lamp, Magnifying
glass etc.
Overt Features
1. Latent Image (Rs.20/- & above)
2. Enlarged Watermark (Quaid Portrait) in all denom.
3. Electrotype Watermark (Denomination of the note in all denom.)
4. See through (all denom).
5. Security Thread :
a. Security thread with micro text of “STATE BANK OF PAKISTAN (DEN )” Rs.10/- to
Rs.50/- denom.
b. Window thread with micro text of (DEN), UV glowing from Rs.100/- & above
6. Intaglio Printing (Rs.20/- & above denomination) giving raised feeling on touch.
7. Identification Marks for visually impaired persons ( Rs.20/- to Rs.100/- one ,two and three lines
while in Rs.500/- Rs.1000/- and Rs.5000/- one, two and three circles respectively).
8. Intaglio Lines (Rs.20/- & above): Raised lines on right and left side of the notes.
Covert Features
1. Micro lettering (In all Denominations): Denomination of note written in small digits that
looks like a thin line to the naked eye but legible under magnification.
2. Ultra Violet glowing security features: Window security thread gives different colors under
U/V lamp.
3. Invisible colored security fibers.
4. Magnetic Ink used in numbering.
This report is based on women entrepreneurship in Pakistan as well as in Dera Ismail Khan.
In this study efforts were made to assess the work and commitment of the women’s to bulid
up and expands their enterprises and also the obstacles and problems they face in different
sector. The prime focus of this research study was to find out the social, cultural and
economic institutions of women entrepreneurship and also determine the basis and
motivational features, obstructions and gender biasness. In the beginnings the
entrepreneurship is explained briefly covering the worldwide different aspects of women
entrepreneurship and Pakistan as well. Institutions which provide help, awareness and
finance are also discussed. The findings revealed that major problems which are faced by
women’s in running business and also give some recommendations. These findings are
helpful for Government, Financial and Not for Profit Organization’s (NGO’S) to devise
strategies to promote women entrepreneurship in Pakistan.
Current information shows that women running the small and medium enterprises all
over the world should be considered in overall low profitability. Retail, beauty and
food services are among the Sectors in which women focus. In Africa and Asia about
75% of women are in these consumer oriented Sectors. They are involved in mining,
construction, electronics and software.
4.2.2Role of women Entrepreneurship in South Asia: The south Asia region is today
considered amongst the poorest, least literate and bare minimum gender sensitive
territories. South Asia women are deprived of basic human right, and there is very little
participation with men and on equal footing in economic activities. Development of
entrepreneurship has a special appeal for empowering women in countries like
Bangladesh, Pakistan and India and where gendered discrimination is still acquit and
hence equality and equity constitute old development issues. (M, Haq Human
development center 24 October 2007).
SADRI is the name of waist coat and it is handmade embroidery. This waist coat is
prepared by a special skilled person known as Sadri.
This Sadri waist coat is made by material known as Goll sheesha, Yellow ribbon
piping, Silver ribbon piping and black velvet cloth. This black velvet cloth is imported
from countries like America, Japan and Malaysia in a bundle form. This black velvet
cloth is known as “Landa cloth”.
This Sadri waist coat has been made and prepared by D.I.Khan women’s because it Is a
D.I.Khan specialty which is exported to Iran and Afghanistan through pawanda bazaar
retailers in Dera Ismaikhan. It is also widely used in some Pashtoons cultural events
like Attan, Khattak Dance and some other events also.
SADRI Cap:
SADRI cap is also made by same material of Sadri waist coat and exported to Iran and
Afghanistan through Pawanda bazaar retailer.
2) Bowl Basket:
Bowl basket is the coil basket as the name implies are made from coils of grass. The
leaves from palm, date are wrapped and stitched to make a continuous coil basket. This
bowl basket is a handmade item and it is used for keeping wheatbread in D.I.Khan,
because it’s a D.I.Khan specialty and prepared by D.I.Khan women’s.
These Baskets mostly comes from the areas of South KPK and southern Punjabi
Seraiki areas. These baskets are made from grass known as” SUR”,date and mizri palm
leaves. This basket is the most captivating products like hand women baskets from
their bare hand.The area where these bowl baskets made are one of the poorest in the
nations sopoverty elevation result one buys these master pieces.
The palm shed leaves regularly so no tree harmed in order to makes the basket and also
no pollution is created while making these baskets and there no waste material.
These baskets are sent to Lahore for finishing and colorings and then exported to cities
like Karachi, Faisalabad, Sialkot and also exported to Saudi Arabia, Dubai, and Kuwait
etc.
3) Jandri:
MARTABAN known as JAR is made from coils of grass. The palm, date leaves are
wrapped and stitched to make a “MARTABAN”. These grass leaves are alsknown as
“SUR”, Date and Mizri Palm leaves. This Jar is a handmade item from women’s bare
hands.
These MARTABAN are the most fascinating products and also sent to Lahore for
further finishing and coloring. These MARTABAN are exported to cities like
Mardan,Peshawar, Swat, Lahore etc. and also exported to countries like India,
Afghanistan, Iran, Saudi Arabia, Dubai, Kuwait etc.
5) KUNDI KASHEEDA:
Kundi kasheeda is a captivating art and also a hand made embroidery item. This kundi
kasheeda is immersed on the cloth represents as dupatha, shirt, bedsheet ,pillow cover
etc. This art and embroidery is a expert in this kundi art.
The women first put a trace as design from local market’s tracer who is skilled person
in tracing a design on the cloth, then skilled women select a required threads like
Reesham, wool and tilla from relevant local shop.
In kundi kasheeda the thread is immersed under the cloth along with special tool
known as KUNDI and embroidery is appeared or displayed on the cloth and that what
called as KUNDI KASHEEDA.
This kundi art is exported to different cities of Pakistan like BAHAWALPUR,
MULTAN, LAHORE, JHANG, BHAKKAR,KARACHI,FAISALABAD etc and also
countries like INDIA, BANGLADESH, AFGHANISTAN, IRAN, QATAR,
KUWAIT,JAPAN, MALAYSIA,SAUDI ARABIA DUBA etc.
6) TARKASHEE:
Name of Functions
Sr. Division Headed By
No
Ch
apter 5
SWOT
Analysis
of SBP
SWOT analysis stands for strengths, weakness, opportunities, and threats. SWOT
analysis is a framework used to evaluate a company’s position by identifying its
strengths, weaknesses, opportunities and threats.
“The overall evaluation of an organization’s strengths, weaknesses, opportunities and
threats is called SWOT analysis.”
1) Strengths describe what an organization excels at and separates it from the competition: a
strong brand, loyal customer base, a strong balance sheet, unique technology and so on.
2) Weaknesses stop an organization from performing at its optimum level. They are areas where
the business needs to improve to remain competitive: higher-than-industry-average turnover.
3) Opportunities refer to favorable external factors that an organization can use to give it a
competitive advantage.
4) Threats refer to factors that have the potential to harm an organization. For example, a drought is
a threat to a wheat-producing company, as it may destroy or reduce the crop yield. Other common
threats include things like rising costs for inputs, increasing competition, tight labor supply and so
on.
5.1 Strengths
1) Strong Internal Control:
The state bank of Pakistan tight up internal control on government and main branch of
commercial banks account. If one cheque comes from one government department or
main branch of any bank if all particulars of cheque are correct then cheque will be
passed from authorized person (OG-1, OG-2 and deputy chief manager) therefore no
fraud has ever been done.
2) Good Salary Package:
The employees at SBP are offered reasonable monetary benefit. Normally bonuses are
given. Employees also enjoy the interest free loans free, medical care and insurance of
life. These serve as a benefit and competency for the bank and a source of motivation
for the employees.
4) Agent to Government :
The SBP performs several services for government by providing loans and managing
the government accounts as well as the other banks.
5) Reserve for safe custodian:
SBP has only authority to hold the reserves of the whole economy and not allowed to
commercial bank is authorized to hold the reserves except they can deal in reserves but
the ultimate holder is SBP. It is also responsible to manage and control the exchange rate
in the country.
6) Financial Background :
SBP greatest Strength in their financial background, which happen to be so strong that even
in the current market situation they are still in the position to lend loans to other banks.
5.2 Weakness :
1) Technology Backwardness:
The Major Weakness of State Bank of Pakistan is not new technology adopt with the
passage of time. Therefore mostly problems arise in their softwares as well as data
cannot be stored on save place and Profit also be decrease
2) Staff not trained In IT:
The staff member of SBP is not well trained in Information technology because
national institute of banking and finance not give proper training to employees of
State Bank of Pakistan about information technology that how information technology
is used for running the operations of this bank.
3 ) Latest procedure:
The employees of State Bank of Pakistan follow traditional procedures for any
operations . Mostly traditional procedures frequently flop in the market. Therefore to
any operation for completion take place two to three days.
5.3 Opportunities
1) Micro financing at (D.I.Khan level)
Because of the need for micro financing in the market, there are number of opportunities
in this regard. Now the time has arrived when the SBP must realize it and take on step to
cater an ongoing demand and the Micro finance Department should implement policies
to strengthen the micro finance network with the cooperation of Commercial banks.
5.4 Threats
1) Implementation of rules and regulations :
It is one of the major threats for state bank to implement policies in its true across
commercial banks. Commercial banks frequently have to change their policies and
adopt the implemented rules and regulations at operational level.
4 Political Pressure:
The strong political hold of some parties and government and their dominance is
affecting the bank in a negative way. They sometime have to provide loan under the
pressure, which leads to uneven and adjusted feeling in the bank employees and harms
autonomous status of the institution.
5.5 Recommendations
In my opinion there should be latest technology and procedure for running the
operations of bank.
Better infrastructure i.e. more spacious seating arrangements and dedicated rooms
for each and every unit may be established.
The SBP BSC (D.I.KHAN) should have purchase its own building to perform the
bank’s operations efficiently and effectively and the most important new building
must be accommodated outside the area of Army Cant so that customer and
representative of main branch of commercial banks can easily enter into the Bank
without any difficulties.
5.6 References
1. Sarfaraz, L., Faghih, N., & Majd, A. A. (2014). The relationship between women
entrepreneurship and gender equality. Journal of Global Entrepreneurship Research, 2(1),
1–1
2. Jennings, J. E., & Brush, C. G. (2013). Research on women entrepreneurs: challenges to
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