INTERNSHIP & COMMUNITY REPORT

BY
HAMZA AHMAD
BBA-2 YEAR
(2019-21)

FACULTY OF MANAGEMENT SCIENCES,

RIPHAH INTERNATIONAL UNIVERSITY,
AL-MIZAN CAMPUS, RAWALPINDI, PAKISTAN
AUGUST 2021
 INTERNSHIP REPORT ON

SUBMITTED BY
HAMZA AHMAD
BBA-2 YEAR
(2019-21)

SUPERVISED BY:
RAJA ZOHAIB GHAFOOR

A REPORT IS SUBMITTED IN FULFILLMENT OF THE REQUIREMENTS

FOR THE DEGREE OF
BACHELOR OF SCIENCE IN BUSINESS ADMINISTRATIONS AT
RIPHAH INTERNATIONAL UNIVERSITY,
AL-MIZAN CAMPUS, RAWALPINDI, PAKISTAN
AUGUST 2021
 RIPHAH INTERNATIONAL UNIVERSITY, RAWALPINDI
APPROVAL SHEET
SUBMISSION OF GRADUATION INTERNSHIP & COMMUNITY WORK REPORT

The following statement is to be signed by the candidates ‘supervisor (s), Dean/HOD and must be received
by the COE, before the dispatch of the thesis to the approved examiners.

Candidate’s Name & sap id #: hamza Ahmad

Program Title: BBA 2-YEAR
Faculty/Department: MANAGEMENT SCIENCES
Organization Title: Askari BANK LIMITED ATTOCK

I hereby certify that the above candidate’s work, including the report, has been completed to my
satisfaction and that the report is in a format and of an editorial standard recognized by the faculty
department as appropriate for examination. The report has been checked through Turn tin plagiarism
(test report attached).
In-charge Industrial Liaison:

Date:

The undersigned certify that.

1. The applicant presents at a pre-culmination course, an outline and amalgamation of

significant discoveries of the theory, and that the examination is of a standard and broad
proper for accommodation as a postulation.
2. I have checked the up-and-comer's postulation and its degree, organization, and publication
benchmarks are perceived by the personnel/division as suitable.
3. The plagiarism checker has been performed. The report is attached.
Liain
Date :
Dean:
 DECLARATION OF AUTHENTICATION

Ensure that the examination work displayed in this report is to the best of my insight sources. I
declare that this dissertation is my original work, gathered and utilized specially to fulfill the
purposes and objectives of this study, and has not been previously submitted to any other university
for a higher degree. I also declare that the publications cited in this work have been personally
consulted.

Signature:
 ACCEPTANCE CERTIFICATE
INTERNSHIP REPORT BY
HAMZA AHMAD
SAP ID
A report submitted in partial fulfillment of the requirements for the degree of bachelors in business
administration

We accept this report as conforming to the required standard

in-charge industrial liaison:

(name & sig)

Vice voce panel members:

(names & sig)

Hod/in-charge: _

(name & sig)

Dean: _

(name & sig)

 ACKNOWLEDGEMENT

I am indebted to all my colleagues, friends, especially staff of the AKBL branch attack, without their help I
would not be able to learn and perform well in the period of my internship learning.
It is also a great pleasure to record honorable regards to all those who helped us a lot in learning and enhancing
our knowledge and ability during the report.
Finally for all possible errors, omissions, and shortcomings in writing of this report only we are responsible for
which we hope that all concerning regards of this report will forgive us. I thank Allah almighty for his
blessings that I'm able to perform the internship program effectively and efficiently.

DEDICATION
 Especially I dedicate my work to my parents, from whom I have received great
inspiration and boost for doing this important work. Also, I dedicate this work to my parents and my teachers,
they guide me and show their confidence in me and make me realize that I'm very capable of doing this work.

Table Of Content
ACKNOWLEDGEMENT.............................................................................iv

DEDICATION................................................................................................v

Table Of Content............................................................................................vi

EXECUTIVE SUMMARY.............................................................................8
 CHAPTER 1...................................................................9

INTRODUCTION...........................................................................................9

1.1 THE VISION....................................................................................10

1.2 THE MISSION.................................................................................10

1.3 OBJECTIVES...................................................................................10

ORGANIZATIONAL STRUCTURE...........................................................12

DEPARTMRNTS OF ASKARI BANK.......................................................13

1.4 ACCOUNT OPENING DEPARTMENT........................................13

1.5 LOCKERS........................................................................................15

1.6 Foreign Trade Department................................................................15

1.7 CLEARING DEPARTMENT..........................................................16

TIMING OF CLEARING.............................................................................18

1.8 CREDIT DEPARTMENT................................................................19

1.9 REMITTANCE DEPARTMENT.....................................................21

1.10 INSTRUMENTS OF REMITTANCE DEPARTMENT......................22

1.11 CASH DEPARTMENT....................................................................22

CHAPTER 2..................................................................................................23

2 SWOT ANALYSIS................................................................................23

STRENGTHS................................................................................................23

WEAKNESSES............................................................................................23

OPPORTUNITIES........................................................................................24

THREATS.....................................................................................................24

CHAPTER 3..................................................................................................25

DUTIES AND NEW KNOWLEDGE ACQUIRED.....................................25

1ST WEEK......................................................................................................25
 WEEK 2ND AND 3RD....................................................25

4TH AND 5TH WEEK.....................................................................................25

6TH AND 7TH WEEK.....................................................................................26

WEEK 8........................................................................................................26

My Experience At Akbl And Its Impact On My Career...............................26

Certificate Of Appreciation........................................................................27

CHAPTER 4..................................................................................................28

CONCLUSION AND RECOMMEDATION...............................................28

CONCLUSION.............................................................................................28

RECOMMENDATIONS..............................................................................29

REFERENCES..............................................................................................30
 EXECUTIVE SUMMARY

I had a great experience learning about this new banking system and the future of this banking is seemed to be
very strong in the coming years due to its increasing trend.
Askari bank establishment in Pakistan gave the banking sector a new horizon. Also, the banks mobilize the
savings of the people into other projects, thus such a series of further investments bring a boom to the economy
and opens more jobs. Askari commercial bank limited continues to scale new heights in all areas of its
operations.
A main portion of the report consists of my findings and task that I have performed during my internship and
also I have observed the working of the other people in the bank also mentioned in this report.
The last portion of my report is consisting of swot analysis, conclusion, and recommendation.
 CHAPTER 1

INTRODUCTION

Askari Bank was incorporated in Pakistan on October 9, 1991, as a public limited company. It commenced
operations on April I, 1992, and is principally engaged in the business of banking. As defined in the “banking
companies’ ordinance, 1962”, the bank is listed on the Karachi, Lahore, and Islamabad stock exchanges and its
shares have consistently remained amongst the highest quoted in the banking sector in Pakistan.
Askari bank limited is working for many years in Pakistan. This organization helps in business, the economy of
the country, and the public in many categories. It provides all help in all fields of loans, mortgages, etc. The
bank is a scheduled principally engaged in the business of banking as defined in the Banking companies’
ordinance, 1962.
Askari bank has expanded into a nationwide presence of 349 conventional branches, 78 "Islamic banking
branches" and an "off-shore banking unit" in Bahrain. A shared network of over 1300 online ATMs covering
all major cities in Pakistan supports the delivery channels for customer services.
Since its inception, the bank has concentrated on growth through improving service quality, investment in
technology and people, utilizing its extensive branch network which includes Islamic and agricultural banking.
Corporate social responsibility is an integral part of the way we do business. To fulfill our CSR objectives, we
attempt to promote the public interest by encouraging community growth and development through sponsoring
social service events, supporting education, sports, and the environment, and also contribute to socio-cultural
activities.

Listed on the stock exchange

Askari bank is listed on Karachi, Lahore, and Islamabad stock exchanges.

Commencement of business
The bank obtained its business commencement certificate on February 26, 1992, am started operations on April
01, 1992.

Registered office
The registered office is situated at awt plaza, the Mall, Rawalpindi.
Branch network of askari bank

The bank has successfully penetrated key markets through branch expansion and business diversification. Just
7 branches at the start of 1992 were working, but now in whole Pakistan, more than 700 branches of askari
bank limited are functioning. The branch network is connected online in real-time. The branch network is
isolated region/area-wise.
The system of regional and area offices has been introduced since 1999 for effective supervision and control of
branches. The scope of the system also spans the development and management of the bank's business and
activities on a regional basis.

Core values of askari bank

Commitment: passionate about our customers’ success and delighting them with the quality of our service

Integrity: a distinctive investment, delivering outstanding performance, return, and value

Fairness: exemplary compliance, governess and business ethics

Teamwork: caring for our people and helping them to grow

Service: dedication towards social development and improvement in quality of life.

1.1 THE VISION

“to be the bank of the first choice in the region”

1.2 THE MISSION

To be the leading private sector bank in Pakistan with an international presence, delivering quality service
through innovative technology and effective human resource management in a modern and progressive
organizational culture of meritocracy, maintaining high ethical and professional standards, while providing
enhanced value to all our stakeholders, and contributing to society.

1.3 OBJECTIVES
 To achieve sustained growth and profitability in all areas of business.
 To build and sustain a high-performance culture, with a continuous improvement focus.
 To develop a customer-service-oriented culture with a special emphasis on customer care and
convenience.
 To build an enabling environment, where employees are motivated to contribute to their full potential.
 To effectively manage all kinds of risks inherent in the banking business.
 To maximize the use of technology to ensure cost-effective operations, efficient management
information system, enhanced delivery capability, and high service standards.
 To manage the bank's portfolio of businesses to achieve strong and sustainable shareholder returns and
to continuously build shareholder value.
 To deliver timely solutions that best meet the customers’ financial needs.
 To explore new avenues for growth
ORGANIZATIONAL STRUCTURE
 DEPARTMENTS OF ASKARI BANK
The banking procedure is divided into various departments. Various departments are working under the
policies of the bank. Askari bank Attock branch also working under various departments which are working for
the convenience of their customers. The Head of the department manages each department and officials of the
branch to follow the procedure. In the akbl Attock branch, I have done an internship and I have done work in
many departments to get familiar with the working of the departments.
In the akbl Attock branch I have done work in the following departments;
 Account opening department
 Accounts department
 Clearing and remittance department
 Credit department

1.4 ACCOUNT OPENING DEPARTMENT

The opening of an account is the establishment of a banker-customer relationship. The account opening
department is the main department in the banks.
in akbl sahiwal miss sumera jaffar and sir ali shan is operating the account opening department. At the time of
opening an account of the customer they made a preliminary investigation of the customer because of the
following reasons:
 Avoid frauds
 Safeguard against unintended overdraft
 Negligence
 Inquiries about client
Functions of account opening department
Following functions are to be performed by the account opening department
 Providing account opening form according to the requirement of the customer that which type of
account customer wants to open a corporate account, joint account, individual account, etc.
 Guide the customer that what type of requirements should be fulfilled to open the account.
 Check the form carefully that the customer correctly completed their account opening form.
 Check the customer signature is matching with the id card signature.
  If the customer signature is different from the id card signature, on the undertaking form both signs are
taken and the new sign is used for account opening.
 Stamping on the form and all related documents.
 Issuance of checkbooks.
 Issuance of account maintenance certificate (on customer demand).
 Closure of account.
 Verification of signature in case of the cheque presented before releasing of account opening from ss
card is not yet scanned.
 Prepare deposit slips for the customer.
 Give atm and checkbooks to customers.
 Keeping a record of atm, checkbooks, SMS alerts, account opening form, etc.

Chapter 1 Types of account opening form

1. Assan form
2. Individual / joint form
3. Corporate form

Documents required
Following are the necessary documents required from the customer according to the account opening form:

Assan account form

 CNIC copy.
 Copy of id card of next of kin.
Individual / joint account form
 CNIC copy.
 Copy of id card of next of kin.
 The business letter or job proof if the salaried person.
Corporate account form
 CNIC copy
 Copy of ntn (national tax number)
 Company letter pad
Account opening procedure
A banker must have followed information about the customer;
 Customer’s name
 Address
 Contact numbers
 Mailing address / permanent address
 CNIC number
 The expiry date of CNIC
 Nationality

1.5 LOCKERS

Askari bank offer facility of lockers to its customer

There are three sizes of lockers available.
Size of locker Rent of locker (rs.) P.a
Large 4640
Medium 2900
Small 2320

1.6 Foreign trade department

foreign trade department deal in:

 Foreign currency account
 Export
 Import

Export:
Mainly export deals with:
 Negotiation of documents
 Sending the documents for collection
 Post shipment financing
  Remittance against agent commission
 Forward covering booking
 E-form
 This section helps the exporters to settle the financial affairs

Import:
Mainly import deals with
 Opening the letter of credit
 For issuing the l/c bank required sufficient funds in the account if importer.
 Scrutinize the documents received from the flowing bank under a letter of credit.
 Arrange forward cover booking regarding import payments
 Also, arrange forward cover booking for the letter of credit open other than askari bank ltd.
 Submission of monthly return to be regarding the import on the form.

1.7 CLEARING DEPARTMENT

To make arrangements for the speedy and economic collection of cheques, drafts, or other documents payable
or deliverable at or through offices of members of a clearinghouse, clearing services are provided in all big
cities by the state bank of Pakistan or national bank of Pakistan, where state bank has no office.
Types of clearing
Following are the two types of clearing:
 Inward clearing
 Outward clearing

The procedure of inward clearing

The bank’s clearing representative receives instruments drawn on our bank presented by other banks through
the clearinghouse under the clearing schedules. After the receipt of instruments from other banks, the bank’s
representative enters them in the summary sheet under the columns about inward clearing (received).
After comparing the delivery slips with documents received in clearing and verifies the totals. She totals the
receipts in the summary strike a balance showing the net amount due to or from the bank and hands over the
same to the supervisor of the clearing house for authentication.
All instruments received in the inward clearing are entered individually in the inward clearing register and
totaled for counter checking. The instruments received in the inward clearing are also checked on the
following counts:
 The crossing and clearing stamps of the collecting bank have been affixed and the clearing stamp is
correctly dated as of the date of presentation in the clearing.
 The crossing and clearing stamps are of the same bank.
 A specially crossed instrument has been presented by the same bank or its agent.
 Collecting the bank’s discharge is in order.
 Crossing of a bank, other than the collecting is canceled.
 Amount in words and figures
 Signatures and balance

Thereafter instruments are released for posting to the debit of respective accounts, after preparing vouchers
duly signed by two authorized concerned officers. Any instruments to be returned unpaid in the clearing are
returned the same day through the 2nd session of the clearinghouse i.e., 2nd clearing.
The returned instruments are returned along with the cheque returning memo and the reason for returning the
cheque is given on the memo which is signed by an authorized concerned officer. The cheque returned is
entered in the cheques returned register as per columns of the said register. The remarks of returning the
cheque are also given in the remark’s column against the entry of the relevant cheque in the inward clearing
register. In case of insufficient balance, charges as per the effective schedule of charges are recovered from the
drawee’s concerned account.

Procedure for outward clearing

All cheques received for outward clearing to be deposited by the customers are accepted on the bank’s relevant
pay-in-slip duly filled in by the depositor as per printed columns of the pay-in-slip. The depositor writes the
instrument number and the name/branch of the bank drawn on and signs at the prescribed column (deposited
by) for his signature.
Immediately on receipt of the instrument the receiving official of the bank affixes the bank’s crossing and
clearing stamps on the face of the instrument.

Bank’s discharge is given on the back of the instruments. The pay-in-slip is stamped on both parts, with the
clearing stamp dated for the next working day, putting his signatures beneath the stamp. The pay-in-slip along
with the instrument is passed on to the concerned authorized checking officer for his signature on the pay-in-
slip and discharge.
After his signature, the counter-foil is handed over to the depositor.
All instruments received over the counter and from branches for outward clearing are entered in the outward
clearing sheet. All columns of the sheet are filled in for each instrument received for outward clearing. In case
an instrument has been received from any other branch of the bank, the name of the branch is mentioned in the
column for the name of the depositor. At the close of the business total amount of all items entered in the sheet
is worked out and mentioned at the end of the day’s entries.

All instruments received for outward clearing are sorted bank-wise. Bank-wise schedules are prepared in
duplicate and totaled individually. The grand totals of all schedules, amounts, and number of instruments,
must agree with the totals as per the outward clearing sheet. A bank-wise summary of all outward clearing is
prepared as per the bank-wise schedule, on the form, and the total number of instruments; their amount is
mentioned in the relevant printed columns.

This total is cross-checked with the totals as per the outward clearing sheet/ total of bank-wise schedules.
After completing the above formalities vouchers for the outward clearing are prepared and placed, along with
schedules in the outward clearing sheet, before the checking officer for checking, signing bank’s a
discharge/relevant vouchers and schedule(s).

The checking officer ensures that all formalities mentioned before have been duly completed and then releases
the vouchers for posting in the relevant accounts on the next working day. The instruments are presented in the
first clearing the next day in the clearing house by the bank’s clearing representative to another bank’s
representative along with the bank-wise schedule. One copy of the schedule is received back from another
bank's representative after obtaining his acknowledgment.

TIMING OF CLEARING
 Inward clearing at 10:00 am
 Outward clearing at 3:00 pm
1.8 CREDIT DEPARTMENT

Credit means advances, loans arranged for worthy customers. In akbl mam Rabia and sir Kashif operating the
credit department.

Forms of lending
Banks generally lend in the form of cash credits, overdrafts, and loans. Banks lend money in the form of ‘clean
advances’ against promissory notes as well as ‘secured advances’ against tangible and marketable securities.
The bankers prefer such securities which do not run the risk of general depreciation due to market fluctuations.
Common securities for the banker’s advances are as under:
 Pledge
 Hypothecation
 Guarantees
 Indemnity

Pledge
In the pledge, the ownership remains with the pledger, but the pledgee has the exclusive possession of the
property until the advance is repaid in full, while in case of default the pledge has the power of sale after giving
due notice.

Hypothecation
When the property in the goods is charged as security for a loan from the bank but the ownership and
possession are left with the borrower, the goods are said to be hypothecated.

Guarantees
When an applicant for an advance cannot offer any tangible security, the banker may rely on personal
guarantees to protect himself against loss on advances or overdraft to the applicant.

Indemnity
A contract by which one party promises to save the other from loss caused to him by the conduct of the
promisor himself or by any other person is called a contract of indemnity.
Classification of credit facilities
The credit facilities extended by the bank are classified as: -
1. Funds based.
2. Non-funded.

Funds based credit facilities

In such types of facilities, the bank provides finance to its customers. Askari commercial bank makes
numerous types of funds-based advances to its customers.
a few important advances are discussed below.
1) Running finance
2) Cash finance
3) Term finance

Running finance
It is allowed to the borrower under a pre-sanctioned limit. A current account is opened and the conduct of this
account is kept under review for a period of three to six months. The borrower can draw cheques on his
current account but maximally up to the amount of limit sanctioned to him. The amount outstanding against
the borrower is shown as a debit in the account for a partial amount. The markup is charged based on daily
products of the amount outstanding.

Cash finance
This type of finance is allowed to the borrower against the hypothecation or pledge of the moveable
property/stock of the borrower. In the majority of cases, this finance is allowed against the pledge of stock
(cash crops). The amount of finance is credited to the borrower's special finance account and he/she utilizes it
for business purposes. For this account, a separate checkbook is issued to the borrower.

Term finance
It is a loan account opened in the name of the borrower. The amount of finance is credited to the borrower’s
account by debiting the term finance account. The amount of finance is distributed in a lump sum. The
repayment of term finance is usually in installments and besides other documents, a letter of installments is
taken from the borrower at the time of disbursement. By that letter, the borrower binds himself to pay the
installments at regular intervals. The number of installments includes the principal plus markup for the
repayment period.

Contingent non-fund based facilities

In such types of facilities, the bank provides only guarantees to third parties on behalf of its customers.
Types of non-funded credit facilities:
I. Letter of credit
II. Letter of guarantee

Letter of credit
A letter of credit as the name signifies does one person or bank to another requesting the letter to pay any
amount of money up to a certain limit to the person write a letter named in the letter or in whose favor the letter
is written. In this letter generally, a date is fixed up to only the addressee should make which advances. Thus, a
letter of credit remains in force up to a certain date only. Generally, banks grant this letter of credit.

Letter of guarantee
Guarantees issued by the bank are classified under two broad categories.

Financial guarantee
Where the bank guarantees the fulfillment of a financial commitment on behalf of the customer.
Performance guarantees
Where the bank guarantees the performance of a contract or other work as specified in the guarantee

1.9 REMITTANCE DEPARTMENT

The need for remittance is commonly felt in commercial life particularly and in everyday life generally. The
main function of the remittance department is to transfer money from one place to another. By providing these
services to the customer, the bank earns a lot of money. Also, customers become able to meet its day-to-day
financial requirements. This department deals with the local currency transfer only. Akbl provides these
services to both customers and non-customers.
1.10 INSTRUMENTS OF REMITTANCE DEPARTMENT
The remittance department's main function is to transfer money from one place to another. The remittance
department deals with the following instruments to transfer money from one place to another place;

1. Pay order
It is an instrument issued for payment in the same city. Pay orders issued from one branch can only be payable
from the same branch. It is normally referred to as a banker’s cheque. It is also known as a confirmed cheque
because the bank issues this on its guarantee.

2. Demand draft
It is an instrument payable on the demand for which value has been received, issued by the branch of the bank
drawn i.e., Payable at some other place (branch) of the same bank.
If two banks are involved then the dd is sent to the other bank but in other cases, it is handed over to the
applicant.

1.11 CASH DEPARTMENT

All physical movement of cash in the bank is made through the cash department. Normally cash department
performs the following functions:
 Receipts
 Payments
 Transfer of funds from one account to another
 Handling of atm
 Verification of signatures
 Handling of prize bonds.
 CHAPTER 2

2 SWOT ANALYSIS

STRENGTHS
Askari bank is a sound financial institution in Pakistan with considerably high good well. It is because of the
following strengths:
 Customers’ loyalty is a key to success in every organization, and this is also the strength of askari bank
limited.
 Askari bank has a very broad network and branches which makes people's access easy and convenient.
 Askari bank focusing on trade financing: it attaches great significance to the development or
maintenance of healthy correspondence relationships with other banks and financial institutions.
 Askari bank is well equipped with a modern information system which adds to its strength to deal.
 A high credit rating by askari is a great strength for the askari bank.

WEAKNESSES

Here is nothing in the world which is perfect. So, the same is the case with askari bank it carries some
weaknesses.
 Askari bank is falling a lot behind in media for its marketing as compared with others HBL, UBL,
MCB, ALFALAH, AND SCB.
 During my internship, I observed some of the employees burdened with overwork, which I think should
be distributed according to their posts and capabilities.
 The Bank has very little staff in this branch as compared to upper Punjab. This creates problems
employees have spent most of their time in the bank to complete their routine work. For this reason,
their normal life is disturbing which creates irritation in the behaviors of employees
 OPPORTUNITIES
 With the changing of e-banking, the askari bank has the opportunity to offer new options and different
ion from other banks.
 Askari bank can design a universal account like another foreign bank for online facilities.
 offering the Islamic banking system is a great opportunity to get new customers and touching the height
of success.
 Huge demand for consumer financing in our country offers a great opportunity.

THREATS
 The current political position is one of the major threats.
 The bad governance of the government is also a threat for askari.
 New introducing banks are also a threat for askari just like Faysal, soneri, JS Bank, etc.…
 A high rate of inflation is also a threat to bank
 CHAPTER 3

DUTIES AND NEW KNOWLEDGE ACQUIRED

WEEK 1ST

I was referred by my father and I sent him my cv and all the documents related to the askari brank
Attock branch and he referred me to the manager of the askari bank Mr. Muhammad Nasir Haider and I
was called by the manager for a short meeting after that meeting I officially started my internship as a
sales and marketing intern

WEEK 2ND AND 3RD

I started my first day of internship with the introduction of bank employees and with the introduction of bank
departments. In this week just know how work done in the various departments in the bank like finance/ credit
department, operation management, cash department, account opening department I knew about the purpose of
the bank and the functions of the bank and judge the practical performance of the departments

WEEK 4TH AND 5TH

During the 4th week, they told me about the stamping of the account opening form. How and where to stamp.
Cutting is not allowed on the form I stamped an empty account opening form just for practice. Personally,
deals the customers and gave them information about account and products information. Fill two spare account
opening forms for a practice filled three account opening forms of customers. Personally, deals with the
customers and gave them products knowledge who wants to open their account filled the account opening
form, and also stamped the form. Akbl is a centralized bank that’s why account opening has to fill carefully
because the form is approved by head office .told me when they use a signature different form. When they use
addresses differ form. And when a letterhead pad is required.
During the 5th week, I learned about how to maintain the record in the register when the cheque book is
delivered to the customer. I learned about how to maintain the record in the register when atm card is
delivered and how to maintain the record in the register when checkbooks are delivered to the customer.

WEEK 6TH AND 7TH

During my 7th week of internship, I came to know about the facility of lockers and their functions. Lockers
have 3 types: small size lockers, medium size lockers, and large size lockers. The officer told me its functions
and charges. I also learned about inward and outward clearing and learned how the transactions are made.
During the 7th week, I learned about maintenance of tdr balancing report, checkbook maintenance report, daily
account maintenance report, and non-financial transactions report. And I learned about subsidiary ledger and
daily major deposit and withdrawals reports and also get an overview of these reports

WEEK 8

My experience at akbl and its impact on my career

During my internship in akbl, I get a very good knowledge of banking. The management provides me with a
rotation plan for all the departments. I spent at least one week in each department. The employees of all the
departments cooperated with me very much. They all helped me a lot in and everything. I also learned that
what type of behavior use and which type of language use with the customer and how to attract toward it. The
behavior of employees is very good to me. This internship provides help to get a job in the banking sector. The
experience of the internship is good for me and I make a relationship with the employees. Experience of
internship helps me in my professional life. I think this experience help me in my career.

Certificate of appreciation
 CHAPTER 4

CONCLUSION AND RECOMMENDATION

CONCLUSION
I discovered the askari bank's limited personnel is superb and honest with the financial institution. Askari bank
Limited’s Attock department has made large development in constructing and strengthening each company and
retail banking sector in Pakistan. Asian bank limited perspectives specialization and provider excellence
because of the cornerstone of its strategy. The humans in the financial institution comprehend that innovation,
creativity. Reliability, custom-designed services, and their execution are their key components for destiny
growth. Revenues from those sports have commenced yielding dividends and that they anticipate large growth.
They are conscious that they've stepped into the twenty-first century and that they ought to meet its demanding
situations via way of means of obtaining the best stage of technology. They will for this reason be accelerating
their technological boost to allow them to distribute their services and products via the maximum green and
high-tech means. Furthermore, they say that they may preserve to put money into current equipment and big
allocation to sources may be made to gain this goal achieve some point of the present-day year. Online banking
has been commenced and the advent of ATMs at strategic places has been firmed up.
 RECOMMENDATIONS

Besides taking care of the above-mentioned problems there are some recommendations which can be
advised to the bank, which can be helpful for the bank:
1. Employees should be given a course of training from time to time or they can also use them on the job
training method. Training can be done in the following areas
 Better training of employees in the communication skills area
 Undergrads have to be trained accordingly
 Continuous training about the latest updates
2. new advertising campaigns should be launched especially in the electronic advertisement areas
3. There is a need for expansion of the working area especially in the finance department as the workload
is increasing and new recruitments are compulsory
4. politics should be discouraged in such an environment
5. the employees should be given more incentives and rewards for their good performances
6. There should always be innovation in any business to flourish and there is a lot more to explore in the
banking sector and it’s always first come first served.
 REFERENCES

 Manager Nisar Haider

 Operation manager Abdul Reheel
 Askari bank, (http://www.askaribank.com)
 State bank of Pakistan, (http://www.sbp.org.pk)

APPENDICES

Community Work Report On

Submitted By
Hamza Ahmad
Bba-2 Year
(2019-21)

Supervised By:
Raja Zohaib Ghafoor
A Report Is Submitted In Fulfillment Of The Requirements For The Degree Of
Bachelor Of Science In Business Administrations At
Riphah International University,
Al-Mizan Campus, Rawalpindi, Pakistan
August 2021
 DEDICATION

In the first place, I am delighted with the assistance of my Almighty Allah, who gave me
the power to finish this work. I need to commit this work to my dearest guardians and
instructors. I pray to Allah Almighty to keep me on the right path.
 ACKNOWLEDGEMENT.

I might want to express gratitude toward ALLAH Almighty, Who has provided me with
knowledge, Patience, Courage, and most importantly who empowered me to finish my
undertaking. This social action project or community work contributed so much towards the
society and especially those who were affected by it. This community work gave me a chance to
enhance my soft skills and it was a learning for which I am very thankful. In the last, I might
want to express profound gratitude to every one of them who help me and petition God for my
prosperity. By the grace of Almighty Allah, I was able to bring out this report in the final shape.
3 Contents
1. Summary.................................................................................................35

2. Introduction:............................................................................................36

3. Vision:.....................................................................................................37

4. Mission:..................................................................................................37

5. Objectives:..............................................................................................37

6. Program Components:............................................................................37

7. Trustees:..................................................................................................37

Future Plans.................................................................................................38

8. Activity....................................................Error! Bookmark not defined.

9. Suggestions.............................................Error! Bookmark not defined.

10. Conclusion...........................................Error! Bookmark not defined.

11. Certificate Of Appreciation..................Error! Bookmark not defined.

12. Refrences..............................................Error! Bookmark not defined.

13. Appendix..............................................................................................45
 4 Summary

Engaging in community service provides students with the opportunity to become active
members of their community and has a lasting, positive impact on society at large. Community
service or volunteerism enables students to acquire life skills and knowledge, as well as provide
a service to those who need it most. Participating in community service not only makes a
difference to the organization and people being served but also makes a difference to everyone’s
career prospects. Participating in community service activities helps to enhance student resumes
by allowing students to obtain work-related skills before graduation, builds good references for
employers in regards to community involvement, and provides a forum to network with future
potential employers. It also helps one develop civic and social responsibility skills and become
more aware of what their community needs.
I and my class fellows select the SHAAFI WELFARE ORGANIZATION it was a good
experience to serve the community. Our journey was around 4 days. Al Raaziq is a project in
Ramadan. My 1 day 21 march 2021 with SHAAFI WELFARE ORGANIZATION at Jaffar
Chowk, g11/2. Due to covid, we follow the sops. And distribute iftar by hand. . And other 3 days
on Eid we distribute the meat.
Shaafi Welfare Organization is serving the community in many ways. Running AL-Raaziq
Dastarkhwan during the whole year for the provision of food for people, who are suffering from
hunger. Also educating the community by conducting awareness seminars in remote areas of
Pakistan
 5 Introduction:

Shaafi Welfare Organization is a not-for-profit and civil society organization that works for the
People living below the line of poverty. It aims to improve the quality of life of the people by
providing them with exemplary health care, education, and awareness. Its program component
includes the establishment of hospitals, health care centres, promoting education, and creating
awareness about many seemingly incurable diseases such as Spinal Muscular Atrophy (SMA),
Muscular Dystrophy (MD), Amyotrophic Lateral Sclerosis (ALS), Spinal Cord Injury, Cerebral
Palsy (CP), Stroke, Parkinson Disease, Alzheimer's and other neurological disorders.
The SWO has been helping the people through the provisions of awareness, medical treatment,
and rehabilitation since September 2020. It has been serving the most deserving and needy
Persons with diseases through its dedicated facility known as Shaafi Medical Complex,
established in 2020 and currently located at Khaigala, Rawalakot, Azad Kashmir. The medical
and rehabilitation services offered to the suffering patients are free of cost for deserving and
needy people, and they are provided 24/7 at SMC. The services are provided mostly to the
people in severe pain and diseases, and especially to those who cannot afford to pay for their
treatment and rehabilitation. A nominal fee is charged to patients who can afford to pay.
The SMC under the aegis of SWO has been serving People mainly from Rawalakot and the
surrounding areas, but its doors remain open to every deserving patient from any part of
Pakistan, Gilgit-Baltistan, and Azad Jammu& Kashmir (AJK) on a first-come-first-serve basis.
Owing to the dearth of financial resources, SMC has been operating in rented buildings ever
since its inception.
 6 Vision:
“Serving humanity with passion through exemplary health care, education, and
community outreach.”

7 Mission:
SWO is dedicated to working on all types of medical disorders for improving the quality of
health of persons with non-affording financial status and facilitates them through education,
treatment, and rehabilitation.

8 Objectives:
 Educating the general public about various diseases through awareness seminars
and medical camps.
 Provision of medical, education, and rehabilitation services across the country.
 Networking with governmental and non-governmental organizations for ensuring
the provision of health services and education to every living being
9 Program Components:

 Establishing multifaceted research, treatment, and rehabilitation Hospital in remote

areas of Kashmir.
 Dialysis Centers.
 Education wing for health and sensitization for Maternal Health.
 Establishing Clubs for the socialization of pwds
 Advocacy Wing (AW) to work for the provision of health and educational facilities
on government and semi-government levels.
 Networking Unit (NU) for developing liaisons with other similar or like-minded
organizations.

10 Trustees:
 Faraz Ahmad Khan, Chairman
 Dr. Muhammad Nisar Faiz, President
 Mr. Muhammad Ilyas, General Secretary
  Mr. Arfan Aulakh, Legal Advisor
 Mr. Shabib Hussain Khan, Trustee
 Mrs. Tahir Nazir, Trustee

Future Plans

For materializing the program components, the Trust aims at launching its multifaceted
transformational project namely, SHAAFI MEDICAL COMPLEX AND REHABILITATION
CENTRE. The objective of the project is twofold:
1) Eradication of Illiteracy and disabilities by 2025.
2) Provision of Free Rehabilitation by creating a state-of-the-art rehabilitation center in SMC.

The SWO has been receiving numerous requests from the households of the poor and ill people,
especially of young children for the provision of a full-fledged tertiary care hospital and a
rehabilitation center with research and medical training facilities. Many individuals and a few
businesses and large corporations also have been forthcoming for discharging their corporate
social responsibilities by helping the Trust with donations in case there is required land available
for the construction of necessary facilities.

The project aims at establishing large tertiary care hospitals in different districts of the country
focusing on education, awareness; diagnosis; treatment; rehabilitation services; and a complete
medical regime for the People without discriminating their age, ethnicity, gender, and religious
orientation. To ensure the viability of such services in remote areas, the availability of a suitable
plot in any of the commercially developed Sectors, easily accessible to people, deems crucial.

Concerted efforts are underway to approach the Government of Ajk for the allotment of a plot
where all the above-mentioned facilities could be established.
 3) Activity

I had 4 days of experience

We take part in different events and project

1ST DAY
I have taken part of project al-raziq dasterkhan AT G11/2.I distribute the iftari with sops. the
day was a little tough because we are with fasting also but this activity teaches us how the hunger
people feel
.
2nd,3rd, and 4th day
I have taken part in project Eid-ul-azha as team leader. We distribute the meat to needy and poor
people who are not afforded the qurbni.
And others activities are distributing gifts and dresses to needy children.
After all this, I felt that peace inside me.
 4) SUGGESTIONS

There are some suggestions we would like to state for foundation

• SWO should develop their efficient managing skills to improve service quality.

• Duty should be assigned to a person to keep in the record of the goods available
in stock to prevent misuse which is bought for good purpose.

• SWO is not using proper social media platforms, for funds awareness. They can
do this by advertising campaigns like other welfare centers.

• The Government of Pakistan should focus and help welfare centers by providing
those funds.

• To enhance public participation SWO should be clear that it will invest its funds
in foresaid work. This way they can gain more trust of people hence more funds.
 5) CONCLUSION

It’s not an activity for just report. I have defiantly learned how to be more patient, more
empathetic, and to be more understanding. All of us have some responsibilities regarding
society, we should serve them up to our worth.
SWO is a great welfare center for its activity’s performance in the holy month of Ramadan and
during Eid. They took their time to help the poor’s and celebrate Eid with them. I would
recommend others to take part in this good deed monetarily or by taking part in person. I can
tell that they are trying their best to serve the poor and orphans. During this participation of
work, I learned patience, love for the poor and humanity, and most of all understanding them. I
remembered a quote “Put yourself in other shoes to understand them better” but I think this
activity helped me understand this better. We can help orphans and more organizations by
providing them funds and also encouraging others to take part in this.
 6) Certificate of Appreciation

7) REFERENCES
 Facebook: Shaafi Welfare Organization-SWO - ‫ | ہوم‬Facebook
 Address: Shaafi Welfare Organization, near Unique Bakers, Khaigala, Rawalakot, Azad
Kashmir.
 Telephone: 058244-31500
 Mobile No: 0343-5807981/03004334661/03229324699
 E-mail: Shaafiwelfareorganization@gmail.com
 Website: www.shaafiwelfare.org
 Established: March 2020
 Registration No. 1341
 Registered under SLG&RDD, S.O. 11/34(35)1144-53/2003 Act, 1990
8) Appendix