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Reflection on Internship with MCB Bank Limited

Executive Summary

MCB was built-in in 1997 and was subsequently on privatized by the Government of Pakistan. The Nishat Group bought the major portions of the bank and got the rights to command the bank ‘s operations. After the denationalization of the bank, MCB has executed different policies to do it one of the best Bankss of Pakistan ; they introduce new merchandises and services and increase its operations by opening new subdivisions in Pakistan. Internship preparation is necessary for the grade of MBA as per HEC demand. It is necessary for me to finish an internship session of approximately 6 to 8 hebdomads in any organisation. I have chosen the banking sector because it ‘s my precedence to acquire the occupation in banking sector and it ‘s besides relevant to my country of involvement and specialisation.

I did my eight hebdomads internship at MCB Morgah subdivision, Rawalpindi. My work at MCB was genuinely an interesting experience. The subdivision I have chosen for internship is non a really large subdivision it has merely four sections which includes client service section, uncluttering section, remittal section and hard currency department.I have work in all the sections but major work in done in first three sections as internee is non allowed to work freely in hard currency section as per the regulation of the bank. This study gives an penetration of the sections in which I work.In MCB different types of histories are opened harmonizing to the demands of clients. During my internship undertaking for MCB I experienced many new things that I had ne’er experienced before being a pupil, this papers provided inside informations of my accomplishments in term of practical execution and apprehension of working environment in MCB. I have besides learnt the work of the photocopier as I am helping the officers so it ‘s in my responsibilities to make the photocopy as requested. I would wish to foreground this that my experience with MCB was really memorable and full of acquisition, where I found a batch of information.MCB is amongst the innovator in presenting the new technology-based banking services. The human resource section of MCB is playing an of import function in its growing.

Introduction

1.1 HISTORICAL BACKGROUND OF MCB

MCB is among the taking Bankss of Pakistan who has sedimentation base of Rs. 400 Billion and entire assets over Rs.600 Billion. Built-in 1947, MCB shortly earned the name of a solid and conservative fiscal establishment controlled by the expatriate executives. In 1974, MCB was nationalized.The Bank has a client base of about 4 million, a countrywide distribution web of over 1,150 subdivisions and over 600 ATMs in the market.

MCB Bank Limited which was antecedently known as Muslim Commercial Bank Limited is non an nightlong success narrative. It was integrated by the Adamjee Group on July 11, 1947 under the Indian Companies Act, VII of 1913 as a private limited company. The bank was established with a position to supply banking installations to the concern people of the South Asia. After the divider of the Indo-Pak subcontinent, the bank moved to Dhaka from where it commenced concern in August 1948. In 1956, the bank shifted its registered office to Karachi. Thus, the bank inherits a 60 old ages bequest of belief of its clients. MCB was the first bank which is privatized in 1991 the bank was purchased by Nishat Group. Nishat Group is one of the taking concern groups in Pakistan.http: //www.bankalfalah.com/images/man7.jpg

Mian Mohammad Mansha is the Chairman of the group he has played active function in success of MCB. In recognition of Mr. Mansha ‘s part, the Government of Pakistan has awared him with “ Sitara-e-Imtiaz ” , which is one of the most esteemed civil awards of the state.

1.2 OBJECTIVES OF MCB

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1.2.1 VISION STATEMENT

“ To be the taking fiscal services supplier, partnering with our clients for a more comfortable and unafraid hereafter ”

1.2.2 MISSION STATEMENT

“ We are a squad of committed professionals, supplying advanced and efficient fiscal solutions to make and foster long-run relationships with our clients. In making so, we guarantee that our stockholders can put with assurance in us. ”

1.2.3 CORE VALUES OF MCB

The nucleus values of MCB are as fallows

1.3 ORGANIZATIONAL STRUCTURE

For successful handling of the subdivisions, MCB has been categorized into three sections with different people managing each class. These classs are:

Corporate Banking

Commercial Banking

Consumer Banking

1.3.1 ORGANIZATIONAL STRUCTURE OF MCB SEGMENT WISE

MANAGEMENT OF MCB

MIAN MOHAMMAD MANSHA

President

S.M. MUNEER

V CHAIRMAN

MOHAMMAD AFTAB MANZOOR

C Executive

TARIQ RAFI

Director

SHEIKH MUKHTAR AHMED

Director

MOHAMMAD ARSHAD

Director

SHAHZAD SALEEM

Director

RAZA MANSHA

Director

SARMAD AMIN

Director

MIAN UMER MANSHA

Director

Abroad BRANCHES

MCB has seven abroad subdivisions moreover, the bank has some proposals under consideration to open more subdivisions in some European states and every bit good as in Japan & A ; China

Entire NO OF BRANCHES

7

Colombo

1

MARDANA

1

PETTAH

1

OBU BAHRAIN

1

WELLAWATTE

1

EPZ

1

KANDY

1

1.4 PRODUCTS AND SERVICES OF MCB

PHONE Banking

MCB SMART CARD

MOBILE Banking

MCB TRAVELLER CHEQUES

SMS Banking

MCB MONEYGRAM

Corporate Financing

MCB INVESTMENT Banking

MCB FULL DAY BANKING

MCB TRANSACTION Banking

MCB LOCKERS

MCB SAVING 365 ACCOUNT

MCB REMIT EXPRESS

MCB SAVING XTRA ACCOUNT

MCB ISLAMIC Banking

MCB CURRENT ACCOUNT

MCB INTERNET Banking

MCB BUSINESS ACCOUNT

MCB EASY BILL PAY

MCB FOREIGN CURRENCY ACCOUNT

MCB CAR 4 U

MCB WORKING CAPITAL

MCB ATM

MCB DIMINISHING MUSHARIKA ( NEW )

MCB VISA PLATIUM

MCB GURANTEE ( NEW )

MCB PRIVILIGE Banking

MCB ISTISNA POST SHIPMET ( NEW )

MCB BANCASSURANCE

MCB DREAM Wedding

MCB RETIRE EASY

MCB PROTECTION PLAN

MCB LIFE PARTNER

MCB DYNAMIC CASH FUND

MCB KHUSHALI BACHAT ACCOUNT

MCB BASIC Banking History

MCB PRIVATE LIMITED ACCOUNT

MCB PUBLIC LIMITED ACCOUNT

2. Learning AND Experience

2.1 INETERNSHIP SELECTION AND RATIONALE FOR SELECTION

Internship developing plan during Master in Business disposal Program is necessary for the grade of MBA as per HEC demand. It is mandatory for me to make internship of approximately 6 to 8 hebdomads in any organisation. I have chosen the banking sector because I want to derive the practical cognition about the finance and it ‘s in my precedence to acquire the occupation in bank and it ‘s besides relevant to my country of involvement and specialisation. I choose MCB because of its esteemed name and repute. Another solid ground of taking MCB is that my Uncle is besides working in MCB, so I have a mention excessively.

2.2 Information ABOUT MY BRANCH

I did my internship in MCB Morgah, Rawalpindi whose subdivision codification is ( 1389 ) .This subdivision is antecedently known as Al-Shifa Branch because this subdivision is antecedently in Al-Shifa Eye Hospital late it was shifted out of the infirmary to chief Morgah Chowk. This subdivision is non a really large subdivision holding merely four chief sections. This is ONLINE subdivision but have no ATM is installed on it. Its chief history holders include Pakistan Oil Field, Fauji Foundation University it has both pupils ‘ fees measure history and module histories.

2.2.1 MANAGEMENT OF MY BRANCH

Mr. ABDUL GHAFOOR

BRANCH MANAGER

Mr. BASEER NASIR

OPERATIONAL MANAGER

Mr. HAMMAD

Clearing OFFICER

Mr. MOHSIN

CASH OFFICER

Mr. MANSOOR-UL-HASSAN

Selling Military officer

Miss BEENISH

G/L OFFICER

Mr. ARSHAD

SECURITY GUARD

2.2.2 DEPARTMENTS IN WHICH I WORK

I did internship in the MCB online subdivision for the period of 2 months. During the internship, I have worked at different sections, which are as follows,

Customer Service Department

Clearing Department

Remittance Department

Cash Department.

2.2.3 MY JOB DISCRIPTION

My occupation is to help the staff members of the subdivision at different places.

I have non given any separate occupation and no separate undertaking has been assigned to me.

I helped the staff in the everyday affairs like filling of different signifiers, check filling, photocopying, gap of an history, stomping on verifiers etc

Bank is a really hard type of organisation and a really sensitive topographic point to work ; confidentiality and trust is indispensable. That is the grounds due to which many countries are still make less for internees like hard currency operations, computing machine operations and issues like that.

2.3 DETAILS OF TRAINING DEPARTMENT WISE

2.3.1 CUSTOMER SERVICE DEPARTMENT

In this section I was under the supervising of Mr. Mohsin, who is Customer Relational Officer. In this section Mr. Mohsin has taught me how to cover with the clients, how to make full the history gap signifiers, KYC signifiers and to look into the balance from the SYMBOL package though I am non allowed look intoing the balance because of secretiveness jobs.

LEARNING & A ; TASKS PERFORMED IN CUSTOMER SERVICE DEPARTMENT:

The major undertaking performed by me in this section is that I have opened the histories of module members of FAUJI FOUNDATION UNIVERSITY by personally sing the university.

I have learnt about the gap of an history, the paperss required for the gap of the history i.e Personal ID card, Next of kin ID card, valid mailing reference, Salary faux pas in instance of salaried individual, NTN in instance of concern history etc

I have come to cognize about the nature of different histories and come to cognize that which account is suited for which type of the client like BBA history for salaried individuals.

How to pass on with the clients and state the client about his/her quires and state the client about the new merchandises and services offered by the bank.

I have learnt how to look into the balance from the SYMBOL package though I am non allowed to look into the balance in the absence of CRO.

How to compose a check, make full the sedimentation faux pas for the check and to make full the signifier for the ONLINE transportation of fund.

How to state the balance on the telephone after proper confirmation.

How to reactivate the Dormant Account.

I have learnt about the process for the issue of ATM card. How to keep the ATM cards in proper order.

2.3.2 CLEARING DEPARTMENT

In uncluttering section I worked under the supervising of Mr. Hammad and learned a batch from him I have learnt about the inward and outward glade.

2.3.2.1. Meaning OF Clearing

In uncluttering the Bankss exchange checks and other negotiable instruments drawn on each other within a specific country and in this mode safe payment for their clients through the Clearing House at precise clip in an well-organized manner.

2.3.2.2 PARTIES INVOLVED IN Clearing

There are fundamentally two parties involved in glade.

1. NIFT:

NIFT stands for National Institutional Facilitation Technologies. It is the installation given by the SBP to a private organisation named NIFT. The responsibilities of the NIFT includes, to roll up the checks, demand bill of exchanges, Pay orders and Travelers Cheques, etc. from all the subdivisions of different Bankss within metropolis through its bearers and direct them to the subdivisions for glade.

2. Clearing House:

It is a topographic point where checks are presented, collected from the bank subdivision. It is one of the services provided by NIFT to other commercial Bankss. NIFT Acts of the Apostless as a clearinghouse.

2.3.2.3. TYPES OF Clearing:

There are fundamentally two types of glade.

OUTWARD Clearing:

In outward uncluttering when check is received two transcripts of verifier are prepared, one degree Celsius opy and instruments along with glade cast, realisation cast, add list and two verifiers of uncluttering abstract are sent to NIFT

INWARD Clearing:

In Inward glade instruments received from NIFT are posted in Computers after look intoing.

2.3.2.4. Instruments USED FOR Clearing

Following are the Instruments used in uncluttering section.

Transportation,

Transportation Delivery,

Clearing,

Cheque aggregation

Wage in faux pas.

2.3.2.5. DIFFERENT REASONS OF CHEQUES DISHONOUR FROM Clearing

In inward glade sometimes checks are non passed due to some grounds so checks are sent back to NIFT along with cheque return memo. Some of these grounds are

Cheque is returned because some clip it is uncomplete

Cheque is returned if the glade cast is required.

One another chief ground of checks return is incompleteness or difference in Drawer ‘s mark from specimen

One ground of returning of check is that drawer halt the payment.

Checks are besides returned because of deficient financess etc.

Learning IN CLEARING DEPARTMENT:

My acquisition in uncluttering section was of following things:

I have learnt about the glade process, types of uncluttering inward & A ; outward glade.

I have learnt how to look into the checks.

I have learnt the different grounds of returning of checks from NIFT.

I have learnt how to fix the sheets for glade.

I have learnt how to keep clearing registry.

I have besides learnt about the instruments used in glade.

I have come to cognize that the checks are cleared on the following twenty-four hours.

Once the NIFT section collect the instruments, any instruments received after that will be cleared after two yearss.

2.3.3 REMITTANCE DEPARTMENT

Bank Alfalah Remittance

2.3.3.1 Meaning OF Remittance:

Remittance is the transportation of resources from one topographic point to another or from one individual to another. It is an of import installation provided by the Bankss to its clients every bit good as to its non-customers. Since it is non a free service it is a beginning of income for the bank. In Morgah subdivision the caput of Remittance Department is Mr Hammad.

2.3.3.2 PARTIES INVOLVED IN REMITTANCE

The undermentioned four parties are involved in remittal are

Remitter

Remittee

Publishing bank

Paying bank

2.3.3.3. TYPES OF Remittance:

Remittance is classified into following four types

Inward REMITTANCE: The instruments received for payment

Outward REMITTANCE: Instruments issues to the reacting subdivisions.

Inland REMITTANCE: Those instruments which are issue within the state.

Foreign REMITTENCE: Instruments issue from one state to another state.

2.3.3.4. Instruments USED IN REMITTANCE:

Demand Draft ( DD )

Telegraphic Transfer ( TT )

Wage Order ( PO )

Name Deposit Receipt ( CDR )

Rupees Traveler Cheque ( RTC )

MY Learning IN REMITTANCE DEPARTMENT:

I have learned the following undertakings in this section,

My larning includes how to make full the signifiers of TT, DD, MT etc.

I have worked during the Holy month of Ramzan. Zakat is deducted in this month so the bank gives the installation of CDR to its loyal clients who do n’t desire to give zakat. I have besides larn how to do ( CDR ) .

I have learnt about the different instruments used in remittal.

I have come to cognize about the different types of remittal.

2.3.4 CASH DEPARTMENT

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The hard currency section is the most of import and confidential section of the bank. In hard currency section both hard currency sedimentations and backdowns go side by side. In this section I have n’t execute any undertaking but I have learnt different thing about this section. This section is involved in two activities Cash Deposits and Cash payments. The officers in this section are called Tellers and there are two Tellers in Morgah subdivision Mr. Ahsan and Mr. Sabir. The Books maintained in the hard currency section are as fallow

Cash Receipt Book

Cash Payment Book

Cash Balance Book

MY Learning IN CASH DEPARTMENT

I have non performed any undertaking in this section but my acquisition in hard currency section includes

In this section I come to cognize about the Strong Room. Strong room is the room where hard currency is deposited and stored. The keys of this room are kept by Manager, Operational Manager and the teller.

MCB has three classs of hard currency which are Sorted Cash, Soiled Cash and Unsorted Cash. Sorted hard currency is issued to the client, dirty hard currency is fundamentally destroyed hard currency which is non issue to client but sent to province bank for reissuance.

Every Bank has a hard currency bound which it can hive away after banking hours like in Morgah subdivision hard currency bound is 5 Millions. This sum of hard currency is insured by the province bank.

I have learnt to make full the sedimentation faux pas and how to compose a check for hard currency backdown.

The check books are kept in the strong room. Internees are non allowed to travel in this room.

SWOT ANALYSIS OF MCB

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2.3.1 INTERNAL ANALYSIS OF MCB

Internal analysis of the MCB is the analysis of its strengths and failings. MCB can bask Competitor advantage on other by increasing its strength and by doing schemes to minimise its failing ; Following are the chief strengths and failings of MCB.

STRENGTHS OF MCB:

Strength can be defined as an country where a company is best at making something as its rivals do. MCB enjoys the undermentioned strengths

MCB was the first privatized bank because of which it has competitory advantage over other nationalized Bankss as it is free to do any market oriented scheme without political and authorities force per unit area.

MCB is that it is the oldest private bank that has more than 1100 subdivisions with on-line subdivisions approx 650. It is the 3rd largest bank in Pakistan.

MCB is a well traditional bank who has a long record of over 60 old ages of experience and profitable operation. In MCB the default rate of the clients are really low than other Bankss like ( The bank of Punjab ) etc.

MCB was the first bank who introduced e-banking and its Traveler checks have been market leader for the past seven old ages

MCB has cope with the challenges of latest engineering by presenting the merchandises like Virtual banking, Mobile banking etc. MCB has been updated with the market.

MCB have variegation of merchandises and services for every type of clients like Privilege history, Debit card, Visa card, Car funding, Agriculture funding etc

MCB invest big about of money on preparation and development of employees so as to do them talented plenty to get by up with the approaching challenges.

MCB has the competitory advantage on the other Bankss because of its repute as Award Winning Bank. MCB win the award of Best Domestic Bank in 2000 and 2001 by euro money.

MCB now make a contract with Cirrus who is a subordinate of MasterCard. This contract with Cirrus will enable the ATM card holder to utilize his history even when he is out of the state.

MCB have faster banking services that are doing it more outstanding in the banking industry particularly in Operations and Foreign exchange. The client prefers this bank non merely because of its faster speedy service instead due to sensible service charges.

MCB non merely provides high quality services but it besides look for the comfort and easiness of the clients, MCB ever preferred their clients.

WEAKNESS OF MCB:

Weakness is defined as an country in a company where the company is non every bit good at making something as its rivals do. MCB has the undermentioned failings

In MCB most of the employees lack administrative preparation as they are non decently educated. Due to senior status, they have moved up to the Grade-I, II or III places holding barely Masterss grades. Most of the senior staffs are computing machine shy and unable to run the computing machines because of which they can non use the modern and advanced techniques of direction in determination devising.

The advertizement run of MCB is really weak or you can state you barely see any advertizement. They have to concentrate on this facet as electronic media make great impact on the clients mind as the latest selling run of HBL in which they have used a really celebrated character of Mr Bean. MCB should publicize about their merchandises so that client gets cognizant about their merchandises.

As late MCB become Centralized which have positives every bit good as negative facets as now for history opening signifier is sent to Head Office Karachi because of which clients have to wait a batch and the history opening process go so much tougher that clients prefer to open their histories to other Bankss whose history opening process is easier.

Another failing of MCB is the Favouritism and Nepotism in enlisting or you can state it is the failing of about every organisation in Pakistan but for improvement of MCB they have to enroll the employees on the footing of virtue.

The abroad subdivision web of MCB is limited. It has merely seven abroad subdivisions whereas HBL has twenty abroad subdivisions and NBP has fifteen abroad subdivisions so MCB has to open more subdivisions so as to vie with its rivals.

The employees in MCB are non satisfied with the wages system. Wagess should be given after the public presentation assessment. Employees of MCB at subdivision degree are non justly motivated to make their work with full concentration they take the all everyday activities as a deadening occupation.

The ATM web of MCB is largest ATM web in Pakistan but still there are certain countries that do n’t hold the ATM. Most of the subdivisions of MCB are computerized but still there are some of import subdivisions that do n’t hold computing machines.

The package used by MCB for on-line intent is SYMBOL which is first-class but erstwhile because of nexus down or disconnection many clients face jobs.

Another chief issue which the employees of MCB face is sing the work timing. On record the work clip is from 9 to 5 but officially they normally go place after 7 or even after 8 because of which their productiveness decreases. There is no separate clip for launch because of which the employees wellness and efficiency lessenings.

2.3.2 EXTERNAL ANALYSIS OF MCB

MCB has to supervise its environment invariably to get by up with new developments and alterations in the environment. A alteration in the external environment may be either an chance or menace. In either instance the MCB has to decently utilize it strengths to avail the chances and avoid or minimise the off-putting effects of menaces. Following are the chief chances and menaces of MCB.

OPPURTUNITES OF MCB:

In MCB context following are the chances MCB have

MCB can hike its Rupee Travellers Cheques ( RTCs ) gross revenues by seeking for new market sections.

MCB can establish new debit card system or can change over the bing ATM cards into a complete debit card.

Renting sector in Pakistan is turning quickly for the last three to four twelvemonth which gives the bank an chance to travel in front in this country.

MCB can travel for the new merchandises launch by different Bankss like HBL ATM measure payment, UBL Omni Dukan, UBL Business Partner, UBL Selah Mila etc

MCB can open new abroad subdivisions to spread out its subdivisions and operations to vie with its rivals.

MCB can finance to little industries and handcrafts industries and can establish more effectual and new good managed online banking system.

MCB can besides increase Islamic banking to hike the concern of the bank.

MCB can besides travel for the pupil finance service and it can besides present nomadic ATM.

THREATS OF MCB:

Menace can specify as a alteration in external environment which if non met with proper schemes will ensue in loss of grosss. In the context of MCB ‘s external environment the undermentioned possible menaces exist

MCB greatest menace is from other private commercial Bankss with sound success e.g. UBL, Alfalah, and HBL etc.

The menace which every organisation including MCB in Pakistan is confronting is of the political and economic instability. Changes in the authorities policies have severely affected the banking concern as the Bankss have to wait to acquire permission of province bank.

The war against terrorist act has negatively affect Pakistan ‘s economic system, which may impact MCB.

Another menace for MCB is from the comfortable foreign Bankss. MCB have to upgrade its system and should establish new and advanced merchandises so compete with its foreign rivals.

Pakistan is an Muslim province where largely people are Muslims and are abide by the spiritual Torahs which do n’t let them to utilize some characteristics of Bankss like Interest on sedimentations so they do n’t prefer banking civilization.

The new merchandise like UBL Selah Mila is a great menace to MCB as they are giving discounted grade ups to those clients who have good recognition history and seeking to acquire the clients of MCB.

The lessening in the buying power of the clients in the current economic state of affairs affects the banking sector excessively much and the consequence is the low investing from the investors in new undertakings.

Recommendation

Recommendations are fundamentally traping out the weaker countries of the organisation and develop schemes to get the better of these weaker countries by giving suggestions. After working as an internee in MCB for the period of two months I am able to do the undermentioned recommendations for the bank.

The most of import country where MCB has to better is its advertizement. MCB should give proper advertizement of its merchandises extensively to make consciousness about the merchandises and to capture the big market portion.

MCB should adorn the subdivisions as the most of the modern Bankss attract clients with their modern office expressions and fresh environment.

MCB should enroll the appliers on the footing of virtue and accomplishments. The HR section of MCB should non enroll the appliers on the footing of Favoritism and Nepotism.

HR section of MCB should give proper preparation to its employees so that they can get by up with the hereafter challenges and they should set up different workshops for the employees on better communicating of staff with clients. In MCB preparation should be provided with occupation rotary motion so as to do the employees talented plenty to make others work in instance of exigency.

MCB should present the new, better and crystalline wages system because it is really of import demand in order to cut down the jobs sing employee keeping and employee motive.

MCB should denote the proper clip for Launch Break, so that the employees do their work more expeditiously.

The staff should be given some kind of determination doing authorization that enables the employee ‘s engagement and encouragements employees trust and assurance.

MCB should besides present new and advanced merchandises so as to vie with its rivals.

ATM machine must be maintained accurately to do it more convenient for the clients and to diminish the work burden of the employees particularly in the salary yearss.

MCB should work out the jobs sing the nexus down and disjunction of SYMBOL package in order to provides more convenience to clients. The employees of MCB need more computing machine preparation.

Decision

MCB is utilizing the SYMBOL package which is really efficient. The computerized subdivisions have enhanced the public presentation of the bank. The bank provides a favourable environment for calling growing. The bank gives excessively low rate of involvement on sedimentations because of which clients are switching to other Bankss. Recently MCB bank has implemented the centralized system which decreases the efficiency because of hold in work and low employee engagement. The process for the histories gap is excessively drawn-out as now signifiers are sent to Karachi Head office for blessing. The big subdivision web, ATM installing and diversified merchandises provide the bank a competitory advantage. The chief focal point of the bank is their clients and they are supplying the clients different diversified merchandises with minimal service charges.

Finally I concluded that MCB is the really good organisation for the long bearer working. The subdivision officers are really efficient, adept, loyal and competent. The officers of my subdivision are really difficult working normally they work more than their working hours which show their trueness and committedness towards MCB. I found myself really lucky to work with one of the esteemed bank and to acquire the practical cognition about MCB and its present scenario. It was a really ambitious and enlightening experience. I came to cognize about the working of the banking sector and whatever I have learned was really edifying. I come to cognize many things like gap of an history, shutting of an history, how to active the hibernating history, about the clearance and remittal process etc. I came to cognize the existent working of bank and whatever I studied in the university was a great aid and I was able to use my theoretical cognition by implementing it during the internship.

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