INTERNSHIP REPORT ON

BANK OF AZAD JAMMU & KASHMIR

Submitted By: USSAMA AWAN

ROLL NO: F20-064

CLASS: BS COMMRENCE

SUPERVISOR: NEK AMAN SIR

DEPARTMENT OF COMMRENCE

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Government College Of Commerce Mansehra

Session 2020-2024

INTERNSHIP REPORT
BANK OF AZAD JAMMU & KASHMIR

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 THIS INTERNSHIP
REPORT SUBMITTED TO
THE
GOVERNMENT
COLLEGE OF MANSEHRA IN
PARTIAL
FULLFILLMENT FOR THE DEGREE OF BS COMMERC

APPROVED SHEET

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01-EXTERNAL EXAMINER

MR; SIGNATURE;

02-SUPERVISOR

SIR; SIGNATURE;

03-HEAD OF DEPARTMENT

MR; SIGNATURE;

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Government College of Commerce Mansehra

INTERNSHIP CERTIFICATE

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DEDICATION

In
the

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completion of this report I would like to dedicated to my beloved parents, & honorable
teachers who always guided me in all aspects of life & also give me the courage towards
success

Also I dedicates to mine friends whenever I needed they always come with an
inspiration behavior.

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 ACKNOWLEDGEMENTS

All praises for Allah Almighty, because I'm nothing without his blessing
I'm also thankful to my parents, family, teachers & friends because there moral support
& prayers help m a lots.
Specially thanks to mine internship supervisor Nek Aman sir
For his guidance
Last I'm thankful to the staff of Kashmir bank because they provided m lots of
information’s about the operations

USSAMA FAROOQ
BS-COMMERCE

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 EXCUTIVE SUMMERY

This report is about bank of the Azad Jammu Kashmir under the ordinance 2005 is state
owned bank of Government of Azad Kashmir & based in Muzaffarabad To know about
the organization and its function it was very important to work there being a student of
BS-COMMERCE the purpose of this report is critically define and describe function and
product offered by the banks to its value customers to identify some weakness related
to the management of the bank is to analyses the performance of the bank and make a
financial analysis if of its and suggest recommendations.
Bank of Azad Jammu and Kashmir was established under the ordinance 2005 the
bank is scheduled commercial bank and mainly engaged in the business of banking as
defined in the banking companies ordinance the methodology used in the report is best
on two types of data is primary and other is secondary data primary consist on job
experience in the bank interviews discussions with officials and executive personal
observations on the other hand there is secondary data consist on annual reports
manual internet and relevant book a part of through analysis of banking industry in
banking in Pakistan and highlighting opportunities and fats I have done the financial
analyzing of Bank of Azad Jammu and Kashmir..

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TABLE OF CONTENT

CONTENTS:
DEDICATION
ACKNOWLEDGEMENTS
EXECUTIVE SUMMERY

CHAP # 1
INTRODUCTION
1.1 Background Study
1.2 Establishment & Early History
1.3 Operation & expansions
1.4 Key Developments
1.5 Role
1.6 Challenges & Opportunities
1.7 Why Is the Study Conducted
1.8 Study Scope
1.9Methodology of Study
 Primary
 secondly data
1.10 Vision Statements
1.11 Mission Statements

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CHAP # 2
01-ORAGANIZATIONAL STRUCTURE
2.1 Hierarchy Chart
2.2 Networks Bf Branches
2.3 Competitors Comparisons
2.4 Main Office
2.5 mg System
 Centralized
 Decentralized
2.6 INTRODUCTIONS TO THE DEPARTMENT
2.7 Retail Balancing
2.8 Corporate Banking
2.9 Treasury Operation
2.10 Small & Medium
2.11 Risk management
2.12 Digital banking
2.13 Human resource
2.14 Customer service
2.15 PRODUCTS AND SERVICES
Product
Account
Saving
Current
Fixed deposit
Resources deposit

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2.17 LOANS
1-Home loons
2-Personal loan
3-Educational loans
4-Agricultural loans
5-Business loans
2.18 CARDS
1-debit card
2-credit card
3-prepaid card
2.19 Investments
1-mutual fund
2-insurance
3- Demit service
2.20 Services
2.21 Digital Banking
1-internet banking
2-mobile banking
3-upi services
4-SMS banking
2.22 COUSTEMER SERVICES
1-customer support
2-branch banking
3-ATM services

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2.23 Corporate services
1-Cash Management services
2-trade finance
3-merchant banking

2.24 Treasury Services

1-investment services
2-forigion services

2.25 Wealth Management

1-portfolio management

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CHAP # 01

Introduction
Kashmir Bank, also known as Jammu and Kashmir Bank, is a prominent financial institution in the
region of Jammu and Kashmir. However, there is no specific entity known as "Kashmir Bank" in
Pakistan. Instead, the banks operating in Pakistan are regulated by the State Bank of Pakistan, and
major banks include Habib Bank Limited, United Bank Limited, National Bank of Pakistan, and others.

A-Background study
If you are referring to the background and historical context of Jammu and Kashmir Bank, here is a
brief overview:

B-Establishment and Early History

Jammu and Kashmir Bank (J&K Bank) was established on October 1, 1938.
It was founded by Maharaja Hair Singh, the then ruler of Jammu and Kashmir, with the aim of
supporting the economic development of the region.
The bank was incorporated and commenced business on July 4, 1939.

C-Operations and Expansion

Initially, the bank focused on providing banking services in the state of Jammu and Kashmir.
Over the years, it expanded its operations across India and has established itself as a significant player
in the banking industry.
J&K Bank functions as a universal bank in Jammu and Kashmir and as a specialized bank in the rest of
India.

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D-Key Developments
In 1971, the Reserve Bank of India (RBI) designated J&K Bank as a scheduled bank.
The bank has introduced various innovative banking services and products to cater to the needs of its
customers.
It has a significant presence in rural areas, promoting financial inclusion and providing banking services
to the underserved population.

E-Role in the Region

J&K Bank plays a crucial role in the economic development of Jammu and Kashmir.
It provides financial assistance to various sectors, including agriculture, small and medium enterprises,
and infrastructure development.
The bank also supports various social and community initiatives in the region.

F-Challenges and Opportunities

The bank has faced challenges, including political instability and economic disruptions in the
region.
Despite these challenges, it has managed to grow and maintain its position as a leading financial
institution.
The bank continues to explore opportunities for expansion and innovation in its services.

Why is the study conducted?

This study is the requirement only for the completion of a BS (Hones) degree but also for acquiring
some professionalism in an organization so that one can understand the actual practices of
transactions and the business of bank.

SCOPE OF STUDY
This report may help students in future to understand banking practices in our country it would also
attempt to evaluate the overall performance of the Book through a throat and detailed analysis of the
daily working.

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METHODOLOGY OF STUDY
For the purpose of writing this report the following methods of collecting information have been
used.

PRIMARY DATA
The information which is collected for the first time and exists Indira form is known as primary data it
contains the following
a) Personal observations.
b) Discussion with staff of the BoAJK.

SECONDARY DATA
The information which has under gone through statistical techniques and exist in a refined from is
known as secondary data it content the following.
a) Annual report annual report of the BoAJK issued by the management from the year 2016 and
2017.

b) Information memorandum various information memorandum issued by the management and HRD
division for the formation of the clients and staff.

C) Internet: internet is used to get updated information from the official website of the bank as well as
other web bases information available.

d) Documents published by banks: various documents and Broachers printed by the commercial bank
for their clients.

e) Banking manual different kind of manual issued by banking operation division for the various
department.

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05-Vision statements
The bank as a socially responsible corporate citizen, shall continue to enhance value creation in
the society and the community through its CSR activities, which ultimately would promote sustained
growth.

06- Mission Statements

Is to provide a targeted financial service in the communities based on strong customer
relationships.

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CHAP # 2
ORGANIZATIONAL STRUCTURE
HIERARCHY CHART

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THE NETWORK OF BRANCHES
The BAJK has a network of 65 branches which are located in different areas of Azad Kashmir in
order to strengthen the operation network in the country the management is the learning to open new
branches at important cities and location.

ZONE BRANCHES

Muzaffarabad 17

Rawalakot 16

kotli 15

Mirpur 17

Total 05

QUALITY
The bank of Azad Jammu and Kashmir takes pride in providing high value products and services
that it stand behind which ensure customer satisfaction probability and the future of its employees and
growth.

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PEOPLE
The man focus of AJK bank is to provide superior service quality through diversification and
development of its people.

TRUST
The bank will not compromise on integrity zero tolerance for corporation mismanagement and it
believes in doing the right thing.

INNOVATION
The executive of the bank are determined towards building a work environment where creative
thinking is encouraged and rewarded in order to create an opportunities for process improvement and
more cost effective sustainable products and services providing value to both employees and our
customers.

RESPONSIBILITY
EMBARRASSING THE VALUE OF RESPONSIBILITY MEANS BEING ACCOUNTABLE BEING COMMITTED
AND ACCEPTING ownership for once decision actions and behavior.

TEAMWORK
MAKING PERSONAL GOAL SECONDARY TO CROP COURSE MEIN SEAM DIFFICULT BUT ITS PHASE OF
FOR EVERYONE IN THE END. The greatest advantages of teamwork is that it achieve what individuals
can't through the medium of sample cooperation .AJK bank has a focus on developing and
environment where teamwork is promoted.

MAIN REGISTERED OFFICE

National bank main office is located at Karachi.

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MANAGEMENT SYSTEM
MANAGEMENT SYSTEM HAS TWO TYPES:
01-CENTRALIZED MANAGEMENT SYSTEM
02-DECENTRALIZED MANAGEMENT SYSTEM

CENTRALIZED MANAGEMENT SYSTEM

Important operations and decisions are controlled from a single man location brother then
separate out across multiple locations branches are offices it help streamline processes and
insurance consistency in banking operation.
Centralized management system tends to focus and the top of the organization

DECENTRALIZED MANAGEMENT SYSTEM

A decentralized management system means decision making authority is separate out across
various levels of the organization instead of being concentrated at the top it allows for more
flexibility and responsibility to local needs and conditions
In simple words it's means decision making and authority run through the entire organization
hierarchy.

F-Introduction to the departments

Jammu and Kashmir Bank, commonly referred to as J&K Bank, is a private sector bank
headquartered in Muzaffarabad Kashmir. Founded in 1938, it plays a significant role in the financial
sector of the region. Here are some of its key departments:

1-Retail Banking
This department focuses on providing banking services to individual customers. It includes
savings accounts, fixed deposits, personal loans, home loans, and other retail banking products.

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2-Corporate Banking
This segment deals with corporate clients, offering services such as corporate loans, working
capital finance, trade finance, and other financial products designed for businesses.

3-Treasury Operation
The treasury department manages the bank’s investments, liquidity, and market risks. It handles
government securities, foreign exchange, and other financial instruments.
Small and Medium Enterprises (SME) Banking: This department provides financial services and support
to small and medium enterprises, including term loans, working capital finance, and business
development services.

4-Risk Management
Responsible for identifying, assessing, and mitigating various risks the bank faces, including credit
risk, market risk, and operational risk.

5-Digital Banking
This department focuses on providing digital banking services like internet banking, mobile
banking, digital wallets, and other online financial services.

6-Human Resources
Manages recruitment, training, employee benefits, and other HR functions to ensure the bank has
a skilled and motivated workforce.

7-Customer Service
Dedicated to addressing customer queries, complaints, and ensuring a high level of customer
satisfaction.
Each department plays a crucial role in the overall functioning and success of Jammu and Kashmir
Bank, contributing to its growth and stability in the region.

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02- Products & services:
Jammu and Kashmir Bank offers a wide range of products and services to meet the diverse
needs of its customers. Here's a breakdown of their key offerings:

Products
A-Accounts
1-Savings Accounts
Various types of savings accounts with different features and benefits to cater to individual
needs.

2-Current Accounts
Designed for businesses and professionals with high transaction volumes.

3-Fixed Deposits
Offer higher interest rates for a fixed tenure.

4-Recurring Deposits:
Allow customers to deposit a fixed amount regularly to earn interest.

B-Loans
1-Home Loans
Financing for purchasing, constructing, or renovating homes.

2-Personal Loans
Unsecured loans for personal expenses.

3-Car Loans
Financing for purchasing new or used cars.

4- Education Loans
Financial support for students pursuing higher education.

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5-Agricultural Loans
Loans for farmers for various agricultural activities.

6-Business Loans
Financing for small, medium, and large enterprises.

7-Debit Cards
Linked to savings or current accounts for easy access to funds.

8-Credit Cards
Offer credit limits for purchasing goods and services.

9-Prepaid Cards
Loaded with a specific amount for controlled spending.

10-Investments
I-Mutual Funds
Investment options in various mutual fund schemes.

ii- Insurance
Life, health, and general insurance products.

iii-Demit Services
Facilitates holding and trading of securities in electronic form.

Services
A-Digital Banking
i-Internet Banking
Online platform for managing accounts, transferring funds, paying bills, etc.

ii-Mobile Banking
Access to banking services through a mobile app.

iii-UPI Services
Unified Payments Interface for seamless transactions

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iv-SMS Banking
Alerts and information via SMS.
Dedicated support for handling queries and complaints.

ii-Branch Banking
In-person banking services at various branch locations.

iii-ATM Services
Cash withdrawal, balance inquiry, and other services through ATMs.

C.Corporate Services
i-Cash Management Services
Efficient management of receivables and payables for businesses.

ii-Trade Finance
Services like letter of credit, bank guarantees, and export-import finance.

iii-Merchant Banking
Services related to capital markets, underwriting, and financial advisory.

Priority and Inclusive Banking

Financial Inclusion Banking services to underserved and rural areas.

d.Treasur Services
i-Investment Services
Management of the bank's investments in various securities.
ii-Foregin Services
Foreign exchange services for individuals and businesses.

e.Wealth Management
i-Portfolio Management
Personalized investment strategies and portfolio management for high-net-worth individuals
Each product and service is designed to meet the specific needs of different customer segments,
ensuring comprehensive financial solutions for all.

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Chap # 2

FAINANCIAL ANALYSIS

FAINANCIAL ANALYSIS STATEMENT

The ratio analysis statement is explained as the banking principles that shows the profits and
loss of the company each institute does it progression analysis at the end of a year or monthly or
annual basis it depends on the horse administrated by an enemy of the organization I have managed at
temporary position as an entrance in the bank my general focus was to investigate the money related
issues for I study the directors annual report of bank and after that I gathered information and arrange
proportion examination the basic standards of accounting which has a market analysis use the mayor
the benefit and a loss for the company maybe they have the interested or running in the calamity.
Every one of the option on the company has yet to investigate the proportion happened. This is the
way to the core leadership of the company there are several reason for the analysis of proportion for
example stakeholders made this estimate for interest rates. I have done this to make partial training
report the financial statements of any entity are indicative of its operating result and position of
ownership. It is a process involving the reclassification and summarization of information through the
formation of rats and trends. Analysis of the financial statement is the examination of the financial
situation of a general purpose firm.

HORIZONTAL ANALYSIS
Through the above analysis the items in the balance sheet and income statement we can
control such as word to change last year it was becoming the basis for next year and variations can be
easily analyzed.

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RATIO ANALYSIS
Cash ratio formula:
= cash/current debits

Year 2022 Year2023

Cash 6271,417 8218,340

Current depts 22,592,537 36128766

Cash ratio 0.28 0.31

INTERPRETITONN
Cash ratio is calculated by dividing the cash on current debit 01 rupees of current obligation is backed
by 0.31 rupees of current asset in fiscal year 2023.
Cash reserve from 0.28 to 0.31
Bank as capable to meet its obligation on timely bases.

RETURN ON ASSETS:
=net profit / total assets

2022 2023
Net profit 458,064 537,480
Total assets 5,868,919 6431,130
Ratio 0.07 0.08

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INTERPRETATION:
Total income ratio of Kashmir bank is good .because it's a good sign in year 2023 as compare to the
previous year.
Kashmir bank's total turnover in year 2023 is 0.08 while in year 2022 is 0.07.

RETURN ON EQUITY:
=net profit / share holders equity

2022 2023
Net profit 458,064 537,480
Share holder equity’s 5142,903 5,528,621
Ratio 0.08 0.09

Interpretation:
This ratio positive indicates for the company .In year 2022 its ratio is 0.08 while in year 2023 its
value is 0.09.
Ratio increases from 0.08 to 0.09.

NET PROFIT MARYIN RATIO:

=net profit-loss x 100 / total income

2022 2023
Net profit 458,064 537,480
Total income 1822,745 2,280,660
NPMR 25.1 23.56

INTERPRETATION:

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 In year 2022 its ratio is 25.1 while in previous years its value is 23.5, that indicates 02 percent
rupees generates net income for net profit.
Kashmir bank's net profit margin decreases in year 2023 from 25.1 to 23.56

BOOK VALUE PERSHARE:

=shareholder equity / no of shares outstanding

2022 2023

Shareholder equity 5142,903 5,528,621

No of shareholder outstanding 211,278 211,275

Book value per share 24.3 26.1

INTERPRETATION:
Book value per share in year 2022 is 24.3 while in year 2023 its ratio is 26.1
Kashmir bank raised their ratio from 24.3 to 26.1
It is beneficial for future investment development & a fantastic chance for investors to invest.

EARNING PER SHARE:

=net income / total no of share outstanding

2022 2023

Net Income 1822,745 2280,660

Total No of Shares 211,275 211,275

Outstanding
EPS 8.6 10.8

INTERPRETATION:

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 This ratio indicates that Kashmir bank good phase because their EPS ratios increases
from 8.6 to 10.8
It's a good situation for the company.

ADVANCE TO TOTAL DEPOSITS:

= advance / total debits

Advance 3290,230 3874,147

Total debts 5,868,919 6,431,130
ADT 0.5 0.6

INTERPRETATION:
* Their ratios indicates that total deposits is supported by 0.5 of total advances.
* Advances to total deposits ratio increases from 0.5 to 0.6
* Ratio increases in the year 2023 & reflects the bank's good performance. Kashmir bank advances to
deposit ratio has been increased.

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CHAP # 04:
SWOT / CRITICAL ANALYSIS

An analysis indicating towards the organization trends weakness opportunities and thread is
termed as SWOT analysis. Such an analysis is very important for the management in retaining the
strength overcoming the weaknesses, capitalizing over the emerging market opportunities and craving
ways to successfully tackle with the threads and ultimately converting them in the strength for the
organization. During eight weeks of my stay at Bank of Azad Jammu and Kashmir, I have come across
the following SWOT analysis of the bank.

STRENGTHS
LEADING PRIVATE SECTOR:
Kashmir bank is the leading private sector bank in the banking network in Pakistan with many of
them online branches in major cities of the country.

AUTOMATIC OPERATIONS:
The operations performed by the bank are highly automated that result in assurance for the
customers that their transactions are completed reliability, efficiently and securely.

FULL DAY BANKING:

One can avail the benefit of the services provide at the bank t8ll 5:00 p.m. which is highly useful
for those customers who find a difficult to leave their officers in the morning.

Strong Regional Presence:

Kashmir Bank has a significant presence in the Jammu and Kashmir region, providing it with a
loyal customer base.

Local Knowledge
Deep understanding of the local market and customer needs.

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Government Support
Often benefits from regional government support due to its importance in the local economy.

Wide Branch Network

Extensive branch network in the region, enhancing accessibility for customers.

Customer Loyalty
Strong relationships with local businesses and individuals.

Weaknesses:
1. Geographical Limitations
Limited presence outside the Jammu and Kashmir region, restricting growth potential.

2. Political Instability
Operations can be affected by regional political instability and conflicts.

3. Technological Lag
May not be as advanced in terms of digital banking and technology compared to larger national or
international banks.

4. Asset Quality
Potential issues with non-performing assets (NPAs) due to economic challenges in the region.

OPPORTUNITIES

1. Digital Transformation
Opportunity to enhance digital banking services to attract younger customers and increase
efficiency.

2. EXPANSION
. Potential to expand operations to other regions and diversify its customer base.

3. PARTNERSHIPS
Forming strategic alliances with finch companies to improve service offerings.

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4. GOVERNMENT INITIATIVES
Benefit from government schemes aimed at financial inclusion and regional development.

5. TOURISM INDUSTRY
Leveraging the tourism industry in Jammu and Kashmir for financial services.
Threats

1. POLITICAL AND SOCIAL UNREST

Ongoing political and social unrest in the region can disrupt operations and affect
profitability.

2. ECONOMIC DOWNTURNS
Economic challenges in the region can impact the bank’s asset quality and financial health.

3. REGULATORY CHANGES
Changes in banking regulations and policies can impact operations.

4. COMPETITION
Increasing competition from national and private banks, as well as non-banking financial
companies (NBFCs).

5. CYBERSECURITY RISKS
Growing threat of cyber-attacks, especially with increasing reliance on digital banking.
This analysis can help Kashmir Bank understand its current position and strategize for future growth
and stability.

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39
INTERPRETATION OF HORIZONTAL ANALYSIS
Horizontal analysis financial statement involves comparison financial ratios, a bench mark, a line
an item over a # of accounting periods. This method of analysis is also known as trend analysis.
Horizontal analysis allows the assessment of relative changes in different item over time. It also
indicates the behavior of revenues, expenses & other line item of financial statement over the course
of time.
Accounting period 02 or more than 02 periods. Accounting period can be a month, quarter or a year. It
will depend on the analyst's direction when choosing an appropriate of accounting periods. During the
investors appraisal the number of accounting period for analysis is based on the time horizontal under
consideration.
Horizontal analysis of financial statement can be performed on any of the item in the income
statement & balance sheet and statement. Horizontal analysis can be performed in one of the
following 02 different methods I-e
Absolute comparison
& percentage comparison

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CHAP # 05
CONCLUSION:

Kashmir Bank, with its strong regional presence and deep local knowledge, plays a crucial role in the
financial landscape of Jammu and Kashmir. Its extensive branch network and loyal customer base form
the foundation of its strength. However, the bank faces significant challenges due to its geographical
limitations, political instability in the region, and potential technological lag compared to larger
competitors.

To sustain and enhance its market position, Kashmir Bank must leverage opportunities such as digital
transformation, strategic partnerships, and expansion beyond its current geographical boundaries.
Embracing technological advancements and improving digital banking services will be essential in
attracting a younger demographic and increasing operational efficiency.

While the bank can benefit from government initiatives aimed at financial inclusion and regional
development, it must also navigate threats from political unrest, economic downturns, regulatory
changes, and increasing competition. Proactively addressing cyber security risks will also be crucial in
safeguarding its operations and maintaining customer trust.

In conclusion, Kashmir Bank has the potential to build on its strengths and capitalize on emerging
opportunities. By addressing its weaknesses and mitigating threats, the bank can enhance its resilience,
expand its market presence, and continue to play a vital role in the economic development of Jammu
and Kashmir.

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CHAP # 06
FINDING AND RECOMMENDATIONS
FINDINGS
The findings are the facts that I have discovered from the analysis of the Kashmir Bank and the
night of those finding I have given the suggestions which are realistic and adaptable for the
organization after critical analysis both the operation and financial data of Kashmir Bank I have
summarized the finding of the report. These analysis are majorly best on my particle working and
experience at the Kashmir Bank during mind internship.

PROBLEMS OF THE BRANCH

CUSTOMER DISSATISFACTION
In Kashmir Bank main branch Mansehra customer dealing was not satisfactory during busy horse
the customers have to wear for a long time for their turn. Also it was quite hard for a new customer
are potential customer to get the required information.

RECORD MANAGEMENT AND FILING SYSTEM

During my internship eye observed that filing system of branch is not good. When certain record is
needed the staff has a to struggle to find it out and a lot of time is vested both by the staff and
customers as well. Because all filing and registering system was being used and very little record was
computerized.

UNEQUAL DISTRIBUTION OF WORK

Work is not equally distributed. On one handsome employees have to work all the day without
relaxing why some other have very little to do. This not only creates confused among employees but
also hurting and disturbing the overall setup of the bank. And about all IT results in this satisfaction
among customer as well.

IN EFFICIENT SECURITY GUARDS

During internship I did not observe security guards to be quick and sharp is they should be in such a
risky place like Bank. And often they were asked to perform branch works like cooking, watering etc.

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MISS MANAGEMENT OF INTERNEES
At the branch there were no proper plan to train the internees.

EXCESSIVE PAPER WORK

It is noticed that due to the length procedure of paper work the bank employee or overburdened.
They are unable to give attention to the client and face difficulties in getting their job done.

LACK OF SPECIALIZED TRAINING

Kashmir Bank does not provide adequate facility of specialized training to their staff training is
generalized rather than specialized. As the worker finish his training he inducted into a specific field
without having great deal of knowledge about the field.

RECOMMENDATIONS AND SUGGESTIONS

After reviewing all the system procedure functions of Kashmir Bank, I am giving some suggestions,
which and you can add some input for efficiency and better performance of Kashmir Bank and
organization in general and for the branch in particular.
These are follows:

TRAINING OF ITS EMPLOYEES

Bank should improves the quality of training of its employees and the integrity controls the
efficiency of it system, processes, operations and financial reporting.

EQUAL DISTRIBUTIONS OF WORLD LOAD

The employees of the branch should be given equal workload. Nobody should be given undue
relaxation. It's necessary to understand especially for mam shafaq that personal conflict should not
spoil the environment of the branch.

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 JOB ROTATION
There should be a job rotation of employees so that they should know all the departments. This
will enhance the capacity of the employees as due to change in work. This will be refresh and motivate
employees.

HIRING QUALIFIED STAFF

Required qualified staff should be provided to branch in order to improve the functioning of the
branch. As there is a sufficient supply of Commerce and business graduates they should be hide on
Merit.

MARKETING POLICY
Kashmir Bank should adopt marketing strategy and proportions strategy to promote the bank
audits product. The most important in my opinion is personal marketing. It is the most effective of all
when you think in term of branch level. But on the hall organizational level, it should arrange the
seminar within the bank and outside the bank. Banks should do more advertising through newspaper
and media and so channel of personal contacts.

IMPROVEMENT OF POLICIES FOR CONTRACTUL STAFF

It is suggested the employees working on daily wages basis should be given some benefits which
the other employees are getting. Their salaries must be increased according to efficiency performance
and services.
IMPLEENTATION PLAN
On the basis of problems I have found during my internship in the branch and overall Kashmir Bank I
have developed there implementation plans which can benefit Kashmir Bank in general.

Internship program
As I have mentioned in branch problems, there is no proper training program for internees, and
there is a lot of mismanagement in case of internees in Kashmir Bank main branch. Also there is a big
problem of understaffing in the branch. Therefore I suggest an internship program for the men branch.
My plan is about two different sorts of internees.

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 Graduate internees
As I have mentioned in my finding that the branches under staffed. Branch requires as least two
more employees to balance the work load. I have the devised a plane of inducting graduate internees
to manage the work load. I have devised a plane of inducting graduate internees to manage the work
load in the branch. As a lot of unemployed Commerce and business graduate or easily available. This
will benefit the branch to fill the stuff get with little cost and also helps to eradicate the unemployment
and the country.

Some main features of my plan:

1. The internee should have completed graduation or bachelors in commerce business or related field.
2. He should be selected for a period of 1 year.
3. Selection sold be purely on merit after necessary test and interviews.
4. Internee should be given a stipend of RS 5000 monthly.
5. He should be given training for first two month and then should be used in different departments
according to work load and requirement.
6. After successful completion of internship he can be selected as permanent employee, as he will have
a good knowledge of procedures and working of the branch.

APPOINTMENT OF CUSTOMER SERVICE OFFER (CSO)

Banking is a service industry, and the customer is the king in any service industry today. Specially
like the banking industry of Pakistan, where a customer has a number of choice to option from
different national, global and Islamic banks. Today the banking industry of Pakistan is facing a stiff
competition among different banks. Number of local bank has significantly grown. Many foreign Bank
with strong financial position and global produced some Islamic Bank. So being a service organization
operating in a stiff competitive environment, Kashmir Bank has to improve customer service and
relationship. I have observe during the internship that customer are not given proper attention care
and guidance. Most of the customer where disappointed with the services and staff of the branch.
Almost all the bank have appointed a CSO to facilitate and guide the customers but Kashmir Bank main
branch did not have a CSO of, which results in customer dissonance and problems for the staff.

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 REFERENCE

 For competitors services and products.

 Khyber Bank: http//www.khyberbank.products.com.pk
 Sindh bank :http//www.sindh bank.products.com.pk
 First women bank :http//www.frist women bank.products.com.pk
 Analysis: http// www.Bajk.annualreport.com.pk
 Branch details: branch sources & personal observations
 www.2016/boajk/management-pg#08.html
 www.2016/boajk/organogram-pg#.html
 www.2016/boajk/fainancial+reviews-pg#29.html
 www.bankorgonogramboajk.2016/overall.html
 www.banknetwork.branchesboajk.2016/overall/annual.report2016.html
 www.2016/bankHBL/financial+data+pg#.htmlwww.2016/bankofkhyber/products+services-
pg#.html
 www.2016/sindhbank/Product+services+pg#.html
 www.2016/firstwomenbank/Product+services+pg#.html
 www.2016/bankHBL/financial+data+pg#.html

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