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Internship is an essential and primary part of BBA (Hons) program. Main purpose of

internship is to have sensible and practical experience and knowledge .I resolute to take

up JS BANK for my internship because it was a competing bank and gave a good

platform for training to the internees. The main objective for an internship period is for

students to obtain to recognize about working within an association or organization.

During my placement period I learned the practical and realistic aspects of business and

got good working experience. I came to identify that how Staff members work in

traumatic and stressful milieu and deal with customers so graciously. During the

Internship, I worked in various operations as general banking including cash operation,

clearing remittances, account opening procedure. This internship has rewarded and

satisfied me with a number of new experiences that I did not come across during my

BBA studies. It has prejudiced positively which will ultimately facilitate me in my future

InshAllah.
 ¬


c
An organization, usually a corporation, chartered by a state or federal government, which does

most or all of the following: receives demand deposits and time deposits, honors instruments

drawn on them and pays interest on them ; discount notes, make loans and invest in securities;

collects checks, drafts and notes; certifies depositor's checks; and issues drafts and cashier's

checks.c

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•Banker or bank is a person

or company carrying on business of

receiving money and collecting drafts for the

customers subject to the obligation of honoring cheques

drawn upon them from time to time by

customers to the extends of

the amounts available

on their currents
 accounts´

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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. Perhaps it was the Babylonians who developed banking system as

early as 2000 BC. IT is evident that the temples of Babylon were used as µBanks¶ because of the

prevalent respect and confidence in the clergy.

The partition plan was announced on June 3, 1947 and August 15, 1949 was fixed as the date on

which independence was to take effect. It was decided that the Reserve bank of India should

continue to function in the dominion of Pakistan until September 30, 1948 due to administrative

and technical difficulties involved in immediately establishing and operating a Central Bank.

At the time of partition, total numbers of banks in Pakistan were 38. The total deposits in

Pakistani banks stood at Rs.880 million whereas the advances were Rs.198 million. The

Governor General of Pakistan, Muhammad Ali Jinnah issued the order for the establishment of

State Bank of Pakistan on 1st of July 1948.

c
 î 



Jc „irst Women Bank Limited

Jc National Bank of Pakistan
Jc Sindh Bank Limited
Jc The Bank of Khyber
Jc The Bank of Punjab
Jc Industrial Development Bank of Pakistan
Jc SME Bank Limited
The Punjab Provincial Cooperative Bank Ltd
Jc Ñarai Taraqiati Bank Limited

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Jc Allied Bank Limited
Jc Askari Bank Limited
Jc Bank Alfalah Limited
Jc Bank Al Habib Limited
Jc „aysal Bank Limited
Jc Habib Bank Limited
Jc Habib Metropolitan Bank Limited
Jc JS Bank Limited
 Jc KASB Bank Limited
Jc MCB Bank Limited
Jc Mybank Limited
Jc NIB Bank Limited
Jc SAMBA Bank Limited
Jc SILKBANK Limited
Jc Soneri Bank Limited
Jc ~nited Bank Limited

Islamic Banks:-

Jc AlBaraka Bank (Pakistan) Limited

Jc BankIslami Pakistan Limited
Jc Dawood Islamic Bank Limited
Jc Dubai Islamic Bank Pakistan Limited
Jc Meezan Bank Limited

c
 ›cVc
JS Group controls and operates market-leading financial services companies in Pakistan across

sectors including asset management, commercial banking, Islamic banking, insurance,

investment banking, financial advisory services, stock brokerage, company research, consumer

credit rating, factoring and micro finance.

JS Group also has investments throughout Pakistan's economy, including its industrial sector,

technology & media sectors, commercial real estate, energy & natural resources and aviation.

›c , also known as Jahangir Siddiqui Group, is one of the biggest financial services

provider of Pakistan, as well as the second largest shareholder of E„~ Insurance. It is

headquartered in Karachi, with important district offices in Lahore and Islamabad. The

investment branch of JS Group and the Pakistan arm of American Express were merged to

form JS Bank Limited.

›c  c
JS Bank Limited has been formed after the merger and amalgamation of Jahangir Siddiqui

Investment Bank Limited and commercial banking operations of American Express Bank Ltd

Pakistan. JS Bank Limited commenced operations in Pakistan as a fully scheduled bank on

December 30, 2006. JS Bank Limited also has a Primary Dealer license for government

securities from the State Bank of Pakistan. JS Bank¶s focus is to provide a quality and innovative

range of banking services and products. The Bank¶s key activities can be categorized into three

Business ~nits:

Jc Retail and Consumer Banking

Jc Treasury

Jc Corporate & Commercial Banking

Jc Investment Banking

J.S bank has more than 100 branches in all over Pakistan

-c
 c

To provide quality and innovative range of banking services and products to our customers by a

highly motivated team of professionals whilst maintaining high ethical and regulatory standards

thereby, generating sustainable returns to our shareholders

!c
 c

To be a preferred partner of our customers by providing complete financial solutions exceeding

service expectations, though a single relationship via conventional and non ± conventional,

conveniently accessible distribution channels.

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The following are the departments of JS bank under which it operates all functions of bank

diligently.

c Customer relationship department

c Account opening department

c Remittances department

c Cash/clearing department
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c Retail bankingc
c Wealth managementc
c Investment bankingc
c

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Retail Banking at JS Bank offers a variety of products and services for both depositors

and borrowers at competitive rates. Please call or visit our Retail Banking team to discuss

your financial needs. You may take a snapshot of the Products & Services in the menu on
 the left hand side of the screen. To get further details, please click on to the specific

Product or Service. Please note that Ñakat, w/tax, or any other tax/ conditions are

applicable as per Regulations.

âc Kamiyab Business Account

âc Rupee Plus Account

âc Rupee Current Account

âc PLS Rupee Saving Account

âc Rupee Basic Banking Account

âc Rupee „ixed Deposits

âc „oreign Currency Account

âc Loans & Running „inance

âc Western ~nion Home Remittance

âc Countrywide Account Operation

âc Tele-banking

âc SWI„T transfer

âc ~tility Bills payment

âc 9 to 5 Non-stop banking

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Perfect for the businessman, the Kamiyab Business Account is specially tailored to make

your transactions smoother and speedier. This account allows you to get the real deal for
 the success of your business by offering the following services
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c „ree Online Inter-city „unds Transfer

c „ree Return Cheque (outward)

c „ree Demand Draft and Pay Order Issuance

Additionally, by maintaining an average monthly balance of only V c*+,+++ in your Kamiyab

Business Account, you can get the following services along with the ones listed

above
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c Counter Cheques

c Collection Cheque (Local)

c Retained Mail

c Stop Payment

c Chequebook Issuance (25 leaves)

c Small Locker*

c ATM Card Issuance**

c ATM Card Annual „ee Waiver

c Telex / Postage

c Statement Issuance

c Balance Certificate

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 A high performance savings account, the Rupee Plus Account calculates your profits on a

daily basis to give you maximum returns with the greatest flexibility. By opening your

Rupee Plus Account with JS Bank, you can avail the following services
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c „ree Online Inter-city „unds Transfer

c „ree Return Cheque (outward)

c „ree Demand Draft and Pay Order Issuance

By maintaining an average monthly balance of V c-*+,+++ in your Rupee Plus Account, you

can also get the following additional services along with the ones listed above
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c Counter Cheques

c Collection Cheque (Local)

c Retained Mail

c Stop Payment

c Chequebook Issuance (25 leaves)

c Small Locker*

c ATM Card Issuance**

c ATM Card Annual „ee Waiver

c Telex / Postage

c Statement Issuance

c Balance Certificate

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A non-profit bearing account, the Rupee Current Account is primarily geared towards

individuals and companies that have a large turnover of cheques. There is no initial balance

requirement to open this account which offers the following services free of charge upon

maintaining an average monthly balance of V c*+,+++

c „ree Online Inter-city „unds Transfer

c „ree Return Cheque (outward)

c „ree Demand Draft and Pay Order Issuance

c Counter Cheques

c Collection Cheque (Local)

c Retained Mail

c Stop Payment

c Chequebook Issuance (25 leaves)

c Small Locker*

c ATM Card Issuance**

c ATM Card Annual „ee Waiver

c Telex / Postage

c Statement Issuance

c Balance Certificate

4)c V
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The JS Bank PLS Saving Account is a Profit and Loss Sharing account that empowers you to get

good returns from your savings with security and convenience. With this account you can avail

the following services

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„ree Online Inter-city „unds Transfer

„ree Return Cheque (outward)

„ree Demand Draft and Pay Order Issuance

In addition to this, by maintaining an average monthly balance of V c.++,+++ in your PLS

Saving Account, you can get the following services along with the ones listed above
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c Counter Cheques

c Collection Cheque (Local)

c Retained Mail

c Stop Payment

c Chequebook Issuance (25 leaves)

c Small Locker*

c ATM Card Issuance**

c ATM Card Annual „ee Waiver

c Telex / Postage

c Statement Issuance

c Balance Certificate
5)c c
c
c 

Rupee account that can be opened with Rs 1,000/= as minimum balance requirement.

Ideal for salaried persons and individuals with low transaction turnover need.

c No transactional charges up to 2 deposit transactions & 2 checking withdrawals.

c No minimum balance requirements.

c No charges to maintain the account.

c Country wide banking facility.

6)c c/
c

Avail „ixed deposits products with different tenors and competitive rates. You can place

your idle deposits available in Current, Savings, Kamiyab or Rupee Plus account and

reap the benefit of optimum return.

c -arious tenors

c Disbursement of profit based upon your choice.

7)c /c"c 

Current & Savings accounts in ~SD, Pound Stg, and Euro are available.

8)c

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 We offer Running finance & Loan facilities against Deposits and Govt. of Pakistan

securities to be used as collateral. A dedicated Relationship officer will look after all your

credit needs.

c >uick processing

c Competitive rates

9)c ¬cc c 



„ast and reliable way for receiving money transfer from across 190 countries & territories

worldwide.

c No bank account needed.

c Regular money transfer are usually available within minutes for pick up by the recipient

c Receive inward remittance from anywhere in the world

10)cc"(c c



You can operate your account from any of the branches of JS Bank Limited. We have

aggressive plans to expand our branch network giving our customers a wider branch

network. (subject to approval from Regulatory authorities.)

c Deposit & withdraw cash

c Issuance of Pay orders & Demand draft.

c Statement of account printout

 11)c'%
c

Accessible via pin code a 24/7 phone banking facility for balance inquiry from anywhere

in Pakistan or overseas.

c Obtain balances and details of the last five transactions.

c Offers account statements via fax.

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State of the art foreign currency account funds transfer system. „rom Pakistan to overseas

and vice versa. Local regulations apply.

c State of the art SWI„T mode of payment, ensuring funds transfer in shortest time.

c Secure and efficient delivery system for inward and outward payment

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Public can conveniently deposit Electricity, Sui gas & PTCL bills at any of our bank's

branches.

c Comfortable environment

c No need to maintain bank account

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We offer 9 to 5 non-stop banking services at our cash counters (for Pak Rupee transactions only)

c 9:00 A.M to 5 P.M (Monday to Thursday)

 c 9:00 A.M to 12:30 P.M & 3:00 P.M to 5:00 P.M („riday)

c 9:00 A.M to 12:30 P.M (Saturday)c

Ëc ¬
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At JS Wealth Management, we strive to combine the best of both worlds for you ² independent,

personalized products and services with our financial strength and resources to provide a

complete range of wealth-building solutions, most appropriate to your individual needs.

We appreciate that each investor is unique. Not only do our clients have different goals and

needs, the role that investing plays in their lives can be very different. Some like total control

over their investments whilst others like to work closely alongside a trusted advisor when

making their strategic investment decisions. Then there are those that like the day-to-day

involvement, but don¶t want to deal with the paperwork associated with the management of their

portfolios.

Our Wealth Management Services are for individuals looking to create, preserve and grow their

wealth with the right investment solutions customized by a team of professionals. So, no matter

where you are on your pathway to success, how experienced an investor you are, or how

involveSd in your investment decisions you want to be, we have a service to suit your needs.

As part of our Wealth Management Services, our product lines are divided into the following:
 .c 


c

JS Bank¶s bancassurance products provide you great value on your savings, not only in

form of higher returns but also an inbuilt insurance coverage to protect your family from

any unforeseen events in life. We offer you unit-linked investment and life assurance

products in partnership with E„~ Life Assurance Ltd., the largest private sector life

assurance company in Pakistan. The products combine the benefits of investment plans

with life assurance, enabling you to grow and protect your wealth at the same time.

JS Bank currently offers the following bancassurance products.

c Pehla>adam

c RoshanKal

-c !
'c/c

As part of mutual fund services, we offer you advice on how to maximize your returns by

investing in the best performing mutual funds in each class. „rom equity funds, where

you look for growth and capital appreciation to income funds for capital preservation, we

can help you select the right mix to suit your investment needs - because at JS Bank, we

think wealth.c

Ëc  c
c

JS Bank¶s investment banking group has been the pioneer of numerous landmark transactions

brought to the domestic capital markets. The group¶s legacy dates back to the 90¶s through a
closely held partnership with the then eminent Bear Stearns. More recently, the investment

banking group has been an advisor and arranger to

‡c Pakistan¶s first ever local currency Islamic Sukuk

‡ „irst ever subordinated T„C issue in Pakistan

‡ „irst 10 year corporate bond

‡ „irst T„C issue with a conversion option

‡ „irst perpetual bond

‡ „irst commercial paper

‡ „irst floating rate T„C issue

With a precedence of both volume and innovation in transactions, for some of the largest

corporations in the country, the group continues to offer market-leading investment banking and

ancillary services as an integral part of JS Bank. We have an impeccable track record of

successfully executing a wide array of large capital transactions, often under challenging

economic and time considerations.

c
 
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„or the duration of my internship in JS BANK, I worked in remittances dept, cash dept, account

opening, and Customer Service Office department. I successfully completed all the task/duties

that were assigned to me.

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Jc This internship viaduct a fissure between university learning and the operational world,

allowing me to practice the roles, opportunity and behaviors of the effective world.
Jc Internship is a very advanced way to gain work experience and look great on a resume. In

addition, knowledge gained from internship can be used in our coursework, research, and

education.

Jc I came to recognize about my strengths, interests, weaknesses, decision making skills, problem

solving skills and abilities to contract with customers and work under anxiety and pressures.

This internship program helped me masses in mounting my confidence.

Jc I gained experience in order to manage my time properly.

Jc Internship helped me to gain good communication skills that facilitate me to communicate

effectively with others. Effectual communication engages the choice of the best

communications channel, the technical know-how to use the channel, the presentation of

information to the target audience, and the skill to understand responses received from others.

Self-development, interpersonal skills, mutual understanding, mutual cooperation and trust is

also important to set a complete channel of most effective and winning communication skills.

Jc I also learned to work in a diverse environment I ~nderstood the cultural influences each

associate brings to the workplace.

Jc I identified issues and concerns of colleagues who feel they are "walking on eggshells" in a

multi-cultural environment.

Jc The internship made me learn the rules, set of laws and policies followed in the banking sector

of Pakistan.

Jc I came to know about resolving confusions and misunderstandings during inter and intra

departmental deliberations
 '
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Internship is an integral part of studies and especially for the purpose of business administration.

It enabled me to apply my knowledge that I gained during my span of study in university. The

subject of organizational behavior is accurately relevant in the organization environment it was

helpful because the first step that anyone takes in the organization is to adjust in the working

environment. The subject of communication skill also proved to be helpful as it helped to

communicate within the organization. So my studies positively helped me on the internship and

highly linked or associated to job. During my internship I also learnt how department coordinates

the actions amongst departments as I had learnt during my BBA degree.

.
Before my internship I learnt about functioning with different people and team structure during

my 6 semesters of BBA which helped me a lot when I started my internship as I knew how to

exchange a few words with different people and how to work with them as a team and how to

resolve confusions and misunderstandings in a courteous and modest manner. And how to

embark upon the problems of customer. The internship also helped me to work in a diverse

environment it help to interact with people with different back grounds

¬'c

c

šc ¬c.c

On my first day of internship I was asked to report to Sir Adeel Ahmed shah, operations manager

as well as my supervisor and Sir Syed Naeem Ahmed, (Branch manager). They gave me a brief

overture of the bank and introduced me to the staff of the bank and then I was referred to work

with Ma¶am Sania. Every internee is rotated among the bank¶s departments and so was I. This

rotation is done in order to have general concept regarding bank¶s functions and internee can

gain knowledge and experience of all the departments. In this rotation the stay in department is

habitually a week. I was given with the bank manual, forms and all brochures to study.
In the first week

Ëc Read account opening form. I thoroughly read the whole form and the terms and

conditions for opening an account.

Ëc After that I was asked to read all the required forms that must be attached with an account

opening form

Ëc observed essential operations of remittance (transfer of funds) department

Ëc Observed other operations e.g. PO (Pay Order), DD (Demand Draft)

Ëc Learnt about account to account transfer

Ëc Read schedule of bank charges

c
c
šc ¬c-c
c

In my second of internship sir Naeem gave me a daily lecture about different types of

account e.g. current account, saving account etc. and procedure for opening different

types of account like individual account, joint account, company account.

The following are the procedures of opening different types of account that I learnt


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When a single man or woman opens an account in his or her own name and has the right to

operate, it is called individual A/C.

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±c Title of Account

•Title of Account should mention the name of the person who operates the account.´

±c „ather¶s / husband¶s name

±c Address/alternate address

±c Contact number

±c CNIC/ Passport no

±c Country of residence

±c Nationality

±c Signature of applicant

Special Instructions:-

Ëc At the time of opening the account clear and specific instructions should be obtained

regarding the nominee of the account holder means after the death of the account holder

who will operate the account.

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 ±c SS cards

±c ~ndertaking form

±c Call report

±c KYC form

±c Account opening checklist

±c Computerized national Identity Card.

±c Proof of Income if he / she is a salaried person then the pay slip or salary certificate of

that person.

±c College/ university identity card or fee bill if he/she is student

›c c

These are the account of two or more persons

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±c Title of Account

•Title of Account should mention the name of the person who operates the account´.

±c „ather¶s / husband¶s name

±c Address/alternate address
 ±c Contact number

±c CNIC/ Passport no

±c Country of residence

±c Nationality

±c Signature of both applicants

Special Instructions:-

Ëc At the time of opening the account clear and specific instructions should be obtained

regarding the nominee of the account holder means after the death of the account holder

who will operate the account.

 c

±c SS cards

±c Two ~ndertaking forms

±c Two Call reports

±c Two KYC forms

±c Two Account opening checklists

±c Computerized national Identity Card.

±c Proof of Income if he / she is a salaried person then the pay slip or salary certificate of

that person.

±c College/ university identity card or fee bill if he/she is student

±c Source of income if she is a house wife

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This is a type of business account when the owner of the firm operating singly an in his

term name.

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±c Company stampc

±c Declaration of proportion company¶s letterheadc

±c NIC copyc

±c Sign on AO„c

±c Sole proprietorship decarationc

šc¬c1c
In the third week I was referred to Miss Asma Tahir (CRO) where I worked with her as a

customer service officer for three days and performed the following activities

Jc Attended telephone calls

Jc Attended client inquiries

Jc Received ATM forms

Jc Deal and issued ATM cards

 Jc Issued the bank statement of customers

On the 4th day I moved in place with Mr. Ajmal Raja (R.M) and performed the following

activities I took guidance from SIR to how to open accounts with the customers

Jc Opened three accounts

Jc -erified all the important doc that were essential for the account opening under the

supervision of Miss Asma and Sir Ajmal

Jc issued check books to the account holders

In the week 2 and 3 I got to know about more professional work in the account opening

department

šc¬c3c
In the 4th week I worked in the remittance department with Miss Asma and Miss sana where i

learned about the meaning and procedure of remittance

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A Remittance is an important service provided by banks to customers as well as non-customers.

Since it is not a free service it is a source of income for the bank. Two parties¶ western union and

express money are involved with JS bank. JS Bank acts as an agent between sender and the

receiver. Only receiving money option is there in JS.

In this whole week I deal with lots of customer and learned that how to deal with different types

of customers. I also came to know that lots of patience is required to deal with customers.
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The western union is a counter payment which means that the sender and receiver of the money

do not need to have an account with JS bank. The procedure followed by the remittance officer

in this context is as follows.

Jc The person who wants to receive money is given the western union money transfer form.

Jc The person fulfills the following details on the form

±c MTCN (Money Transfer Control Number). It is a unique number which is given

to the person remitting the money abroad by the money exchanger of that

particular country

±c Sender country

±c Sender¶s name

±c Amount in PKR ( approximate account)

±c Receiver contact number

 šc When the customer completes the form i asked for the photocopy of the valid ID card

then I entered that MTCN number in western union software which is installed at JS

system. After making the entries, the print out of the form is taken then receiver sign two

forms (one form is for bank records and one is customer copy) and receive the money.

IN the same week i was also told about how to issue a term deposit.

šc¬c*c
In this week I was moved in the cash department and worked with Miss Sana and Mr.

Rashid. They also deal with clearing process and worked with them in this cheque

clearing process. Before discussing it is necessary to know what is clearing

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This facility is provided by NI„T on the behalf of SBP for offsetting of cross obligations

between the different banks. Clearing is of two types

Ëc Inward clearing

Ëc Outward clearing

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When cheques of our branch are presented to us for clearing by the NI„T. Cheque to be

honored by bank.

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 The cheque of other banks, which the accountholder deposit in their accounts is, sends for

collection.

In this week I also did

±c Account to account transfer payment

±c Make entries of cheque books in registers

±c Make entries of pay orders

±c Issue ATM cards and cheque books

±c Issue pay orders

šc ¬c5c
This was my last week in the bank. This whole week I worked as a Banker as it was a

very good experience for me. All my colleagues started trusting on me that I will not do

any major mistake because I was working there for last 5 weeks. Customers also started

knowing me. In this week I worked in all the departments and I deal with different

customers.

c
 "'

JS Bank is geared to direct the requirements of the customers through assets management by

offering an extensive array of products and services and building an association with the client

based on obligation, trust and reliability. Inventive speculation Bank has guaranteed complete

customer enchantment, living up to its image Its anticipative banking procedures has the ability

to estimate the customer¶s desires well at the forefront of real times forms the vital component in

value based services to efficiently reduce the gap between potential and deliverables. The

solution to success of any organization lies with its people. No doubt, inventive Investment¶s

exceptional family of employees will be more enthusiastic and thrilled to provide the

discriminating customers with professionalism and intensity .The internship is a key component

in the industrial inscription student's specialized and professional preparation. And the internship

report is a key factor in the internship experience and knowledge. It is through writing the report

that the maturity and specialized experience that I have gained as an intern becomes fully
realized. It is through the report that I exercises my critical and analytical faculties and

demonstrates newly found skill and identity as a professional conversationalist.

 
c
c

After working with JS Bank for six weeks, here are some suggestions to get improved its work

quality performancec

Jc Board and senior management participation is necessary for its efficient and effective

procedure.

Jc JS should regularly maintain and update its framework.

Jc Employee relationships at JS could be escalated up by keeping the job motivating. It

would make time go earlier. It also helps making the employee challenged. If the

employees get uninterested they will pay less attention to their duties
Jc There must be a periodic evaluation of the procedures to insert the new thoughts and to

take away the inappropriate ones in order to line up the commerce with established trends

in the banking industry.

Jc If possible JS should work out for flexible program or system for employees to leave an

hour early or come in an hour late on certain.

Jc JS should start programs to raise client monetary literacy and advance the intelligibility

of information made available to them. Moreover customer fortification regulations

should be included in the system to maintain loyal customers to give surety long lasting

profits