INTERNSHIP REPORT ON

Muslim Commercial bank Mansehra

MANSEHRA MAIN BRANCH

BY

Hibba Rasheed

Roll No: 39535

BBA (Marketing)

DEPARTMENT OF MANAGEMENT SCIENCES

HAZARA UNIVERSITY MANSEHRA

 APPROVAL SHEET

SUPERVISOR

Name Miss Uzma

Designation Lecturer

Signature______________________

EXTERNAL EXAMINAR:

Signature_____________________

Designation___________________

CHAIRMAN:

Name Dr. Muhammad Waseem

Signature___________________

1
 DEPARTMENT OF MANAGEMENT SCIENCES

HAZARA UNIVERSITY MANSEHRA

DEDICATION

I devote all my work to my dear parents; I am worthless without them. I also dedicate the
work of this internship report to renowned and respectable teachers who have taught me
and helped me to develop my personality as an expert.

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Acknowledgement

Thank you all, Mighty ALLAH, for giving me strength to finish work. I devote all my
efforts to my parents, who were always in trial for me. I won't be able to do that without
their prayers and efforts.

My worthy supervisor, Ma'am Uzma, who supported me in the presentation of the

internship report. My entire faculty, which empowered me to be what I always wanted to
be, has increased and polished my skills. I will always be thankful to them.

My Siblings, Friends and acquaintance never lagged behind when it came to support.

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Preface

This report is ready to comply with the requirements of the Hazara University Mansehra
BBA programme. I did my MCB Main Branch internship in Mansehra. The purpose of
selecting MCBs is to connect all MCBs in this area to this main branch and the regional
office is also there.

The goal of the internship was to carry out the marketing activities at the university. This
internship provided practical experience with academically learned marketing tricks and
tactics.

The entire MCB staff was very cooperative and helped me to gain a deep understanding of
the marketing practices that have been acquired. And in my field, it gave me a step
forward.

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Contents
CHAPTER # 1.....................................................................................................................1

INTRODUCTION TO REPORT.......................................................................................1

1.1 INTRODUCTION...............................................................................................1

1.2 BACK GROUND STUDY...................................................................................1

1.3 OBJECTIVES OF STUDYING THE ORGANIZATION.................................1

1.4 SCOPE OF THE STUDY.........................................................................................2

1.5 METHODOLOGY OF THE STUDY.................................................................2

1.6 PRIMARY DATA COLLECTION.....................................................................3

1.7 SECONDARY DATA COLLECTION..............................................................3

1.8 LIMITATION OF THE STUDY.........................................................................3

1.9 PURPOSE OF THE REPORT.............................................................................4

CHAPTER # 2.....................................................................................................................5

INTRODUCTION TO ORGANIZTION.........................................................................5

2.1 INTRODUCTION...............................................................................................5

2.2 HISTORY OF MCB..............................................................................................5

2.3 VISION OF MCB.................................................................................................6

2.4 MISSION OF MCB..............................................................................................6

2.5 CORE VALUES OF MCB...................................................................................6

2.6 OBJECTIVES OF MCB........................................................................................7

5
 2.7 NATURE OF THE BUSINESS...........................................................................8

2.8 BUSINESS VOLUME..........................................................................................8

2.9 HEADQUARTER OF MCB................................................................................8

2.10 NUMBER OF EMPLOYEE OF MCB.............................................................8

2.11 TOP MANAGEMENT OF MCB....................................................................9

1. MANAGEMENT COMMETTEE OF MCB..................................................9

2. BOARD OF DIRECTOR OF MCB...............................................................10

3. BRANCH HIRARCHY.........................................................................................11

4. ORGANIZATIONAL HIRARCHY OF MCB....................................................12

2.12 DEPARTMENT OF ACCOUNT..................................................................13

2.13 DEPARTMENT OF REMITTANCE............................................................15

2.14 CASH DEPARTMENT.................................................................................15

2.15 CLEARING DEPARTMENT........................................................................16

2.16 FOREIGN EXCHANGE DEPARTMENT..................................................16

2.17 ADVANCE DEPARTMENT........................................................................16

2.18 CUSTOMER SERVICES DEPARTMENT..................................................17

CHAPTER 3......................................................................................................................18

MCB PRODUCTS AND SERVICES..............................................................................18

3.1 SERVICES...........................................................................................................18

1. MCB ISLAMIC BANKING AND SERVICES............................................18

2. UTILITY BILL COLLECTION.....................................................................18

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 3. MCB MOBILE BANKING...................................................................................18

4. MCB PYARA GHAR.....................................................................................18

5. MCB LOCKER................................................................................................19

6. MCB VIRTUAL..............................................................................................19

7. MCB REMIT...................................................................................................19

3.2 PRODUCT..........................................................................................................19

1. MCB MASTER CARD...................................................................................19

2. MCB CAR CASH...........................................................................................19

3. MCB KHUSHALI BACHT ACCOUNT.....................................................20

4. MAHANA KHUSHALI SCHEME..............................................................20

5. MCB RUPEE TRAVLER CHEQUES...........................................................20

6. FAX PRESS.....................................................................................................21

7. FUND MANAGEMENT SCHEME.............................................................21

8. CAPITAL GROWTH CERTIFICATE SCHEME........................................21

CHAPTER # 04.................................................................................................................22

MCB BANK SWOT ANALYSIS.....................................................................................22

4.1 STRENGTH............................................................................................................23

4.2 WEAKNESSES.......................................................................................................24

4.3 OPPORTUNITIES..................................................................................................24

4.4 THREATS................................................................................................................25

CHAPTER # 05.................................................................................................................27

7
CONCLUSION AND RECOMMENDATIONS..........................................................27

5.1 CONCLUSION.......................................................................................................27

5.2 RECOMMENDATIONS.......................................................................................28

8
 CHAPTER # 1

INTRODUCTION TO REPORT

1.1 INTRODUCTION

This is the eight week result as an internee in MCB Main branch Mansehra. After the

completion of university course work this report is must for the student of BBA

degree. That’s because the student are fettered to write eight week report on specific

organization or institution where they done their internship.

I have join the MCB for this purpose I join the MCB because my specialization in finance

so that’s why I join bank. This is essential for me to join finance department

1.2 BACK GROUND STUDY

In department of management science it is very essential element to prepare report for

the proper completion of BBA horns degree. In university we have just studies some

formulas theories and books but in the internship we work practically on what we

studies in university and this internship will help us to make report and use our

knowledge practically what we have

1.3 OBJECTIVES OF STUDYING THE ORGANIZATION

I have kept some objectives in mind to join MCB the objectives are very important

element in every work the bellow following are my objectives

1. For the learning of practical work

2. To fulfil department requirement

3. For the degree completion

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 4. To learn about Pakistan banking sector

5. The ratio analysis

6. The use of knowledge in practical

1.4 SCOPE OF THE STUDY

It was very challenging for me to learn all the process of bank in time of eight week so I

mainly focus on financial stationed analysis of the bank and also one reason is that bank

can provide the access in overall system due to secrecy. I have worked in some field in

MCB that’s are

1. Remittances of the bank

2. Layout of the bank

3. MCB online banking

4. MCB e banking

5. Customer relation

6. ATM

1.5 METHODOLOGY OF THE STUDY

Two type of data collection

Primary data collection

Secondary data collection

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1.6 PRIMARY DATA COLLECTION

Primary data collect from Employees’ interview

1. The data collect from Observation inside the bank

2. The data also collect from the Distribution of the questionnaire

3. The data collect from the Interview of the customer

1.7 SECONDARY DATA COLLECTION

1. The data collect from the annual reports

2. The data collect from the internets

3. The data collect from the brochures

4. The data collect from the news paper

5. Collect data from the booklets

6. Collect from the website of Muslim commercial bank

7. The data are also collect from the journals

8. From some social media pages

9. The data collect from different magazine

1.8 LIMITATION OF THE STUDY

During my work there are some limitations in MCB the following are the limitation

during the work

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The first limitation is that internee is not allowed to access the whole system due to the

secrecy of the bank To understand all the process of MCB its take too many time

because the MCB provides many services. In this eight week I try to understand as

possible as I can. The internee are not allowed to read every files

1.9 PURPOSE OF THE REPORT

The internship report main purpose is to find out the gap between the learning in the

university and the practical work in internship. In internship all the staff of MCB

behave me like employee of the bank in never feel that I am work here as a internee

I have learn many thing during my internship that I have not learn in university so that

many of things that person learn from practical work. The one of the most important

purpose is that after completion of the BBA degree the degree cannot be awarded from

the department of management science

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 CHAPTER # 2

INTRODUCTION TO ORGANIZTION

2.1 INTRODUCTION

MCB stand for MCB it was established in 1947 MCB is one of the Oldest and most

reputable bank in Pakistan which have contributed in lot amount to the Economy of

Pakistan. Muslim commercial ba0nk have in their initial stages got a good Enough

Success and a high demand. It was privatized back to 1991.

Now a days this is again become one of the best bank in Pakistan in last 20 to 25 years

they Are they are progressing day by day due to their good and efficient working they

are Continuously improving their services and quality to become a quality bank.

2.2 HISTORY OF MCB

MCB limited was established in 09 July 1947 by Adam jee group as a limited

company under section seven the Indian companies act. The MCB was established for

the purpose to facilitate the business community of south Asia. MCB was the first

bank to privatize in 1991 in the government of Zulfiqar Ali Bhutto. Before the

privatization of MCB it was a national property. In June 2008 the bank was owned by

the nishat group. The majority stake owned by the nishat group the bank. M.U.A

usmani is the president of the bank

Nishat group is one of the reputable business groups in Pakistan and it was established

in 1948 the chairman of nishat group and MCB bank is main Muhammad Mansha.

After the privatization the growing rate of MCB is very fast. MCB is reputed in one of

the soundest financial institution and also rank in leading banking in Pakistan and

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become international bank in Pakistan approximately deposit in PKR is 462 billion

with the assets of round about PKR 605 billion. MCB play a crucial role to represent

the Pakistan in international banking.

2.3 VISION OF MCB

Vision of MCB is pretty clear

To developed a good relation between bank and customer and provide the one of the best

service provider bank of Pakistan and make their future well

2.4 MISSION OF MCB

They want to develop a long term and successful relation with customer as they are

working like a team with a high communion throughout the branches of MCB in

Pakistan to create non ending relation with customer.

2.5 CORE VALUES OF MCB

Following are the core value of MCB

1. Excellence

MCB is the one of the most responsive bank in Pakistan. MCB is heavily depended on the

commitment which they are making with their all stake holder

2. Respect

Respect is one of the most important elements in every department or organization.

MCB is trying hard for the provision of respect to their stake holder they have plant a

complaint box and online system for their customer and employee

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 3. Innovation

MCB are well coming to the new idea and innovation strategies and there is a reward

system to encourage their employee to bring the new innovation

4. Customer Centricity

The most important thing is the customer centricity because customer is the key which

give you success or failure in any business so they are trying to fulfil the customer

commitment as well as the attraction of the customer

5. Integrity

MCB are one of the most trustful organization as they are performing so people can

trust on it because they are highly depending on the integrity of their employee and as

well as for their customer

2.6 OBJECTIVES OF MCB

The following are the objectives of MCB

Staff motivation

To bring a quality services for their customer

To bring innovation and also generate new idea

Hiring a professional and expert

To operate globally

They performed their assigned duties on time

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 2.7 NATURE OF THE BUSINESS

MCB is one of the most growing and leading bank of Pakistan and they are trying to

facilitating people in such sectors

6. Commercial banking sector

7. Agriculture sector

MCB has established in 1947 but they started their operation in agriculture sectors in

1973. They have established many branches of agriculture sectors for the supporting of

Pakistan former. The MCB also provide equipment and loans to former for short and

long term basis

MCB has many branches in overseas mean operating in many other countries. Now there

are 1200 branches of MCB in Pakistan

2.8 BUSINESS VOLUME

In number of branches the MCB has 1200 branches which operating in Pakistan and

many number of branches which operating in foreign countries. MCB install more

than 700 ATM machine for customer to withdraw their cash 24 hours

2.9 HEADQUARTER OF MCB

Head office is in Karachi

2.10 NUMBER OF EMPLOYEE OF MCB

MCB have round about 13000 employees.

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 2.11 TOP MANAGEMENT OF MCB

1. MANAGEMENT COMMETTEE OF MCB

CEO and president of MCB Imran Maqbool

Head operation of MCB Agha Saeed khan

MCB finance Iqbal Chugtai

MCB overseas business group head Umar Ali

MCB wholesale business MuhtashimAshai

MCB FX and treasury group head Muhammad Ramzan

MCB HRM group head Usman Hassan

MCB special Assets Management LaqaSarwar

MCB CSR and securities group Kalsoom Akhter

MCB Management of risk group head Muhammad NaumanChugtai

MCB LA Group head Muhammad Ghazabfar

MCB Head of IT Bilal imtiaz

MCB Business of Retails head DurraniMumtaz

MCB Retails Banking South Afzal Khan

MCB Islamic Banking Group head Mian Mamoon

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 2. BOARD OF DIRECTOR OF MCB

Chairman of MCB Main Muhammad Mansha

Voice Chairman of MCB S Muhammad Munir

President and CEO Imran Maqbool

Board of Director Rafi Khan

Board of Director Muhammad Shehzad

Board of Director Sarmad Amin

Board of Director Mian Raza Mansha

Board of Director Yasir Khan

Board of Director Anwar Zeb

Board of Director Aslam Ahmed

Board of Director Ismail Bhugtao

Board of Director Mian Umer Mansha

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3. BRANCH HIRARCHY

BRANCH
MANAGER

OPERATION GENERAL
MANAGER BANKING OFFICER

CASHER TELLER PEONS

FIG: 2.1 BRANCH HIRARCHY

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4. ORGANIZATIONAL HIRARCHY OF MCB

PRESIDENT

SENIOR EXECUTIVES VICE PRESIDENT

EXCUTIVE VICE PRESIDENT

SENIOR VICE PRESIDENT

VICE PRESIDENT

ASSISTANT VICE PRESIDENT

REGIONAL GENERAL MANAGER

BRANCH MANAGER

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 2.12 DEPARTMENT OF ACCOUNT

In baking sector the account department is known as back bone of organization. In

running of banking services they play a major role. In account department employee

duty are very hard because they have maintain every person account record. Because

every person do any transaction so they have to maintain it. The account section have

some responsibility such as

Opening of account

Account closing

Account maintenance

Cheques provision

ATM cards

1. TYPES OF ACCOUNT

There are three main type of account are such is

Current account

Saving account

Fixed deposit account

2. CURRENT ACCOUNT

This is the very common type of account it can be open by anyone who have the id

cards. The current account has no special requirement simply you have to deposit 1000

rupees and no limit is maximum amount in your account. The account require is just

your id cards and next to kin

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 3. SAVING ACCOUNT

Saving account are also common account and this same like current account but here the

change is in saving account the customer are take interest and that’s may be on annually

semi annually or quarterly basis. There is deduction of sachet here if customer wants to

quite so they have to write affidavit. Same is the requirement like current account

4. FIXED DEPOSIT ACCOUNT

Fixed deposit account is offered for specific time duration from seven to ten days. This

is the special type of account offered by MCB of Pakistan and depends on the bank

and its customer and it totally change from current and saving account

In fixed deposit account the agreement is sign between customer and the bank in

which everything is specified like duration of the account and amount and the receipt

of deposit is given to customer and bank also kept the receipt

5. NATURE OF ACCOUNT

Nature of account mean that as customer wish which type of account customer want
to open its depend on customer. The following account offered by Muslim commercial

6. SINGLE ACCOUNT

7. JIONT ACCOUNT

8. PRIVATED LIMITED ACCOUNT

9. PARTNERSHIP ACCOUNT

For the account there are some requirements which are

1. ID card of customer

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 2. Bio data

3. Income certificate

4. Address

5. RM report

2.13 DEPARTMENT OF REMITTANCE

Department of remittance is very important department for the transaction of money

remittance department have two type the inward and out ward

1. INWARD REMITTANCE

Inward remittance transact the inside the boundary wall of the county through account

ATM and open deal

2. OUTWARD REMITTANCE

Outward remittance makes the transaction from foreign county and its may be from

Saudi Arabia England America etc

2.14 CASH DEPARTMENT

The cash department is most major and important department in the bank because the

bank is trading cash in a whole day either this receipt are payment

3. PAYMENT

In the payment the bank are pay to customer mean the customer are withdraw the cash

from their account and transaction may be in the form of

1. Through Cheques

2. Through ATM card

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 3. Online fund transfer

4. RECIEPT

In receipt the customer deposit the money in the bank mean customer want to keep money

in the detail

2.15 CLEARING DEPARTMENT

Clearing department can define as the system in which bank are exchange the cheques

and other negotiable instrument in a specified area drawn on each other and thereby

through specified time make a secure payment in a efficient way. Clearing house is the

place or the of each other

2.16 FOREIGN EXCHANGE DEPARTMENT

In Foreign exchange department or the western union department the MCB exchange

the money of different countries. This department is responsible for the trade of the

countries and they are dealing in riyals dollars dirham etc

2.17 ADVANCE DEPARTMENT

Advance department work for the provision of the loans former of the country and some

of other people the following loans are offered by MCB

1. Student loans

2. Industrial loans

3. For mini business loan

4. Agriculture loans

5. For housing loans

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 6. Car loans

7. Loan against the gold

For availing the loan the following requirement they need two witnesses any type

colleteratal provide to bank. The loans are also provide against the gold. For the

availing of loans they have a simple and easy criteria and that is

1. ID card of the customer

2. Pakistani nationality

3. Collateral

4. Witnesses

5. Income certificate

6. Experience

2.18 CUSTOMER SERVICES DEPARTMENT

There are some services of this department

1. Considering feedback of customer

2. Provision of services

3. Facilitating the customer

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 CHAPTER 3

MCB PRODUCTS AND SERVICES

3.1 SERVICES

1. MCB ISLAMIC BANKING AND SERVICES

MCB has Islamic banking system in its bank this is new trend now a days and operate all

over the world they provide loans and create deposit without any type interest

2. UTILITY BILL COLLECTION

MCB always try to facilitate their customer through collection of their bills. The utility

bill collection facility is available in more than thousand of branches of MCBMCB

always try to give more and more facility to their customer

3. MCB MOBILE BANKING

MCB provide the facility of the mobile banking from the mobile banking facility

customer can take more and more profit because if you want to keep up to date from

your account then you have get access to your account through mobile banking from

mobile banking you can pay bill and also transfer of money

4. MCB PYARA GHAR

MCB provide the facility to those customer who want to make their own house for

those people MCB offered a very low mark up rate to their customer to build their on

their choices or as they wish

26
 5. MCB LOCKER

The MCB offered the facility of locker to their customer to keep their expensive thing in

this locker and its available most of the branches of MCB

6. MCB VIRTUAL

MCB virtual mean that MCB provide the facility of the banking through internet either

you ate in office home or anywhere you can get access to your account by just log in

through www.mcb.com.pk

7. MCB REMIT

In MCB remit the bank can offered to their customer to send money through MCB remit

from one city to another or country

3.2 PRODUCT

1. MCB MASTER CARD

MCB master card is a good initiative by the MCB bank from the master card you can

perform some activity some function of master card is like

To withdraw money from anywhere

Payment of bill (PTCL, electricity, utility, gas etc)

2. MCB CAR CASH

MCB car wash is very good scheme for the customer who want to buy their own car

but they have financial problem so MCB can help them to provide loans from very low

27
mark up set and can finance a various car through MCB car cash and the duration of

this is five years

3. MCB KHUSHALI BACHT ACCOUNT

MCB KHUSHALI bacchant are the monopoly of MCB bank and this account for the

people who want to save their money there are some feature of this account which are

1. No extra charge

2. Payment of bills

3. Offered 8% interest on yearly basis

4. Interest can paid on semi annually

5. Interest is calculated on daily basis

4. MAHANA KHUSHALI SCHEME

In MAHANA KUSHALI SCHEME MCB bank provide a very good interest rate on the

deposit of customer on the monthly basis

5. MCB RUPEE TRAVLER CHEQUES

MCB rupee traveller cheques are one of the most convenient instruments of MCB

bank. It’s better than money in pocket to travel its safe and easy way to traveler and

money have in their account

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 6. FAX PRESS

In fax press the customer can transfer the money from one city to another city by using

the fax machine and the bank give you guarantee. The money can transfer in half an

hour

7. FUND MANAGEMENT SCHEME

The fund management scheme is for the upper class business man they have a good

and attractive return on it as compare to other. The account is open to sell the

government securities

8. CAPITAL GROWTH CERTIFICATE SCHEME

Capital growth account is actually to increase the growth. In this account the amount

would be double at the end of five years and this is for the long term depositor. There

is no maximum limit of amount to open this account and minimum amount rate is RS

10,000 to open the account. If the customer wants to withdraw their amount before the

maturity so interest will be given to PLS interest rate

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 CHAPTER # 04

MCB BANK SWOT ANALYSIS

The SWOT analysis is doing in every bank or in every organization because they to

know the position of business. In SWOT analysis there are four elements which are

use in SWOT analysis which must be measurable and observed. In SWOT analysis the

firms know its strength and weaknesses opportunity and threats

5. Opportunity

6. Threats

7. Strength

8. Weaknesses

In business every step are taken for the purpose of to increase the sale or profits and every

step have some reason the SWOT analysis are taken for the reason and that is

1. To measure the firm position

2. For decision taking

3. Changes in the organization

4. Bringing the new development

5. Merits and demerits analyzing

This is the very important and very useful analysis for every firms because from the

SWOT analysis firm know their current position in the market and take the decision

according the market requirement if need then bringing new changes in SWOT

analysis the first one is the

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4.1 STRENGTH

In SWOT analysis the first one is strength first of all organization have to find their

strength for the MCB bank the strength of the bank is following

1. MCB bank is one of the commercial bank of Pakistan

2. MCB bank has million of customers

3. MCB bank is working across the boarder

4. MCB bank always bring new idea and innovative service

5. MCB bank has more the twelve hundred branches

6. MCB bank hires well professional people

7. Captured a large number of market share

8. Offered free credit cards

9. For some transaction offered a cheap rate

10. Mostly branches are online

11. A motivated staff

12. Using of software is up to date

13. Offered a better services

14. In Pakistan they have 600 hundred ATM are installed

15. A good training system

16. A very friendly product and scheme

17. Efficient in transaction of money

18. They have a various product and services

31
4.2 WEAKNESSES

1. A low advertisement

2. Nepotism

3. Lack of marketing strategies

4. Still some branches are not online

5. High working hours

6. Political interference

7. Spending a huge time to open an account

8. Low income of some branches

9. Lack of opportunity regarding training to employee

10. High training expenses

11. Lower level of staff

12. Miss behaviour of staff

4.3 OPPORTUNITIES

1. First one opportunity is the CPEC

2. Improve the style of management

3. Target the tribal area

4. Install a modern ATM

32
 5. Open new branches in overseas

6. Add a high qualified staff

7. Install new software which is 24 hours

4.4 THREATS

1. One of the huge threats is inflation rate

2. Increasing of competition

3. Entrance of multinational bank

4. Adaptation of latest technology by competitors

5. Change in Government rule and regulation

6. A huge threats is government instability

33
34
 CHAPTER # 05

CONCLUSION AND RECOMMENDATIONS

5.1 CONCLUSION

1. MCB bank plays a vital role in developing of economy providing a large

amount of job to people of Pakistan. And provided opportunity to the people

and the transaction of the money from one place to another place

1. MCB bank is one of the first organizations that are privatized and it is also one

the oldest bank of Pakistan. The bank is offered an attractive product and

services. MCB is one of the leading banks of Pakistan

2. In my internship time period I found that the staff of the MCB is very hard

worker and MCB is one of the best banks of Pakistan. The staffs are also

decent and obedient

3. For the better running of the organization they have hired a very expert and

professional staff as they are always trying to bring new idea and facilitate the

customers through modern way as they are and it runs by the top ten Pakistani

4. MCB staff has a very honest and loyal towards their work they do their work

on time and also a hard worker

5. As we all are know that banking sectors are playing a vital role in developing

the economy of a country in bank we made transaction and they provide an

opportunity to the people for saving and work as middle men

6. Throughout my internship I found that the staff is very cooperative to me. The

internship is very important for the student because from this internship a

35
 person can analyse himself bitterly and know and about himself either are

working or not

7. In last of my internship report I have write some recommendation to improve

the condition and performance of MAIN BRANCH MANSEHRA branch for

the Muslim commercial bank. The bank have highly qualified staff but

according to my point of view that I think MCB of Pakistan need so the

following recommendations are

5.2 RECOMMENDATIONS

1. First of all I think they need some of the young employee because some of

employees are not well known the latest technology so they have extra burden to

work and they take many time to achieve their goal. If they hired a young

employee I think young generations are quite aware about the new technology

2. Hiring of new employee because the employee the bank have is high work load I

think they have to hire new employee and distribute the work properly

3. They have to acquire a some new system because some of the existence system is

not working in the rush time

4. Manager has to properly concentrate on the promotion etc because some

employees are still having a same post from a many years

5. I think they have to arrange a monthly basis meeting and all employees discuss the

issues which occur in the branch or to the employee and find out the a proper

solution of the problem

6. Internal audit system must improved for the betterment of the organization

36
7. There must be reward system in each and every branch of the bank and for the

employees to get relief from the tension for those employee which doing a best

effort for the betterment of organization

8. The most important thing is the training they have to arrange a training session for

the new employee to increase their efficiency and productivity

9. Salaries of employee some employee has a very low salaries and they are not

enough for his requirement so the organization have to focus on this. This is very

important aspect which effect the employees productivity

10. Reward system must be on the merit

11. The bank has to provide the facilities of pick and drop system for the better

utilization of time and also provide allowances to make their employee loyal,

sincere toward organization means provide all the basic need.

37
Reference

Annual report of MCB bank

https://www.mcbgroup.com/en/handler/DownloadFile?f=%2Fen%2Fmedi a

%2FMCB%2520Group%2520Ltd%2520Annual%2520Report%25202017_tcm6

7-22316.PDF

MCB Bank Wikipedia https://en.wikipedia.org/wiki/MCB_Bank_Limited

Official Account of MCB Bank

38