Industry profile:

The booking money parts of Pakistan comprises of Scheduled bank, Non Scheduled bank,
Commercial banks, Islamic bank, Investment bank, Financial bank, Microfinance bank,
Development bank, and Specialized banks. These foundations aggregately offer an extensive
variety of items and administrations both in term of benefits and liabilities side, budgetary
need of nation populace, speculation and sparing particularly in the exercises of business.
Past changes of saving money industry, business of managing an account in Pakistan, open
parts who owning the nationalization of the keeping money in 70s and the mid-90s. Changes
in light of business sectors presented in private area empower and bolster the managing an
account segment of Pakistan. These changes changed the real piece of money related saving
money part over the year. The saving money framework has a solid administrative structure.
The banks additionally have an amazing administrative and supervisory. The saving money
area in Pakistan has 35 banks, including 30 business banks, 5 Islamic banks, which assume an
imperative part in the economy of country. The private banks or the nearby segment bank
holds around 80 percent resources of the keeping money framework.
Objective:
The main purpose of this internship is to delight of the provisions for the level of
Master in Business Management which incorporates Finance. For the fulfill the
degree requirement necessary to internship in a specific organization The supporting
motivation behind this entry level position is to know how the theoretic learning can
be useful to the useful circumstances and watch an association's money related
matters and group its events, issues and furthermore propose correct dealings. The
internship enhances the abilities and skills through the practical work.
 Though the internship I learn maximum knowledge about banking sector and know
about the different departments of the bank and learn about these departments and
how they operate.
 I acquire experience through internship in Punjab bank.
 I am more confident now through internship in a bank
 I also do the social work in bank.
 I have increase sense of responsibility after do internship.
 I learn how do the professional work
 I learn do work in professional field
 Conclude that for which job I am suitable.
Brief history:
The BOP was proven on 19 May 1989 under the Indian companies Act with its office in
Anarkali bazar Lahore The bank was set the position of listed bank in 1994.The Bank is work
as a commercial bank with a set-up of nearly 273 branches in area of Punjab. The BOP
facilitate to economy all kinds of banking services such as Sums in Local Currency and
customer foreign currency, allowances, and loan for business, trade, production and farming.
The BOP has actually entered in a new time of science of its management. The BOP acting a
vital part in the domestic society through preparation of here town tapped local funds,
advancing reserve funds and giving assets to speculations. The BOP offers smart rates of
benefit on all sums, open foreign financial records and handling of foreign exchange business
for instance imports, exports, charges and clearings, financing, exchange and industry for
working capital desires and money market processes. The loaning program of bank is not
only careful and helpful but also based on principles of practical offering with maximum
stress on security. The bank organize a team for maintain the performing quality and also
satisfy the customer through fulfill all requirements and wants The start of business in the
BOP for the period of the 20 years with a comprehensive nation system 261 offices, sub
offices, and established whole sale office of bank in Bahrain this one effective segment in the
country. The bank use strategy is resulting from the vision and mission statement and also
prime objective. In this way the bank develop the market share of a bank or a company builds
up a long term relation with investors and it is helpful decision strategy The BOP operate
profit through the year 2012.This include profit before delivery and the damages of the be
side non-performing assets and taxes which is improved by 4.1 last year bank raised on the
asset based which is 2.7% during the year. The quantity of saving money office in Pakistan
came down to around 200 on 30th June 1948. Branches of some European banks were
likewise working in a restricted way, financing in fare of yields, and their number was
constrained to around 20.It was just the Habib bank, which exchanged its office from
Bombay to Karachi Austral Asia bank was another bank, which was in presence in the
Pakistan region at the season of freedom. In spite of best-efforts with respect to
administration of Pakistan, no potent way could be made for this sake and hold bank of India
was in no inclination to help the new nation. Magnificent bank of India, operator of the hold
bank of India also started shutting down its branches in Pakistan
Nature of the organization:
The Bank of Punjab basically is a financial institution. A unit of administration industry of
Pakistan, BOP (business bank) is locked in the obtaining, loaning and progressing of cash,
the drawing, making, tolerating, marking down, purchasing, offering, gathering and
managing in bills of trade, promissory notes, drafts, and bills of replenishing, receipts,
warrants, debentures, authentications and so forth. It is likewise occupied with the
purchasing, offering of outside trade including furthermore, managing in stocks, reserves,
offers, debentures, the consulting of credits and progresses , the accepting of a wide range of
bonds, assets on store or for safe authority. The giving of safe store vaults the gathering, and
transmitting of cash and securities. Outside monetary orders, the securing ,holding, issuing on
furthermore, managing in stocks, reserves, offers, debentures, the consulting of credits and
progresses , the accepting of a wide range of bonds, assets on store or for safe authority. The
giving of safe store vaults the gathering, and transmitting of cash and securities. The BOP
bank will gain profit salary from the appropriation of benefit. Assets are accessible to the
bank out of ordinary stores. Membership of right imparts will give the organization to the
sufficient liquidity to put resources into productive roads to create benefit in future. This will
likewise help in lessening gathered misfortunes of the organization. Assisted the monetary
position of the organization will be fortify which will be useful to the organization to dispatch
new item in future.

Organization volume:
Rendering to previous bring up to date record 8 December 2016 bank of BOP total business
volumes was 52,791,000.it is market Lahore stock Exchange and it is also listed in Karachi
stock Exchange. Its previous price was 17.18. Earnings per share record are 3.03.
Stock volume is set below in the table of last five years:

Items 2011 2012 2013 2014 2015

involves
Investments 92,492,813 129,552,044 23,973,891 154,943,890 176,097,793
Advances 102,107,501 149,565,885 157,239,598 170,273,415 219,365,020
Borrowings 24,963,562 44,683,826 22,803,483 44,743,673 55,354,,674
Deposits 236,897,691 266,055,788 304,564,675 342,675,897 376,789,887
Reserves 19,146,674 1,1875790 1,538,679 2,081,234 2,329,001
Profits 294,924 1,744,556 1,914,720 2,841,535 4,717,799
E.P.S 0.56 3.30 2.33 1.97 3.03

Mean offices:
Mean offices or branches of Punjab bank given below:

City name Number of branches

Lahore 5

Multan 2

Karachi 3

Rawalpindi 1

Faisalabad 2

Gujranwala 2

Total staff strength:

According to currently 2015 report the total staff strength of Punjab bank is 6092.
Vision:
“To be customer focused bank with service excellence”
Mission:
" To exceed the expectation of our stakeholders by leveraging our relationship with the
Government of Punjab and delivering a complete range of professional solution with a focus
on program driven products and service in the agriculture and middle tier markets through a
motivated team"
Core values:
Our responsibilities fulfill and satisfy the client needs. We characterize a culture of good
common, right methodologies and characteristic qualities. Our conduct rely on upon;
Fairness
Commitment
Integrity
Teamwork
Service
Our customers:
Our clients and their needs play a noteworthy come in the matter of managing an account.
The items and administrations are distinctive to showcase segments. The relationship
amongst director and customer give most proficient administration to clients. Punjab bank
felt pride by giving most present day mechanical support of 907,984 connections.
Our investors:
The primary concern of business makes shareholder value To create trust and certainty, give
financial specialist auspicious consistent solid data on our execution.

Our regulators:
We trust that administrative framework and congruity of targets with general system. Our
business planned in such an approach to guarantee the consistence with controllers.

Our employees:
The Punjab bank attempt to create a culture in a manner that shared trust rely on upon each
other. We empower the possession conduct with the end goal of upgrade the notoriety of
bank.

Our communities:
Territories of the social division help to enhance personal satisfaction and administrations in
our nation We perceive social duty and add to various.

Management team:
M. R. Mehkari
President and chief executive
Head office
S. Suhail Rizvi
Group head business transformation
Haseeb saulat
Group head marketing and strategic planning
Javed iqbal
Chief information officer
Imtiaz Ahmed sheikh
SEVP electronic technology
Rehan mir
Global technology
Khalid Muhammad khan
Group head operations
FarooqabidTung
Country head special asset management
Saleem Anwar
Chief financial officer
Lubna azam tiwana
Country head risk management
Zahid mehmood chudhary
Country head international banking
Farrukh iqbal khan

Products or services:
Mahana bachat:
Punjab bank mahana bachat is intended to short or medium term speculation for individuals.
Punjab bank offers the general population to put for 2 to 3 years in bank and acquire benefit
on month to month premise.
Current account:
Current record makes an assortment of requirements for our diverse clients include with
advantages of free ATM card, check book, payroll issue of interest etc These items
incorporate current account basic record and least adjust necessity.
Saving account:
The sparing records offered to a bank to both individual and institutional clients incorporate
Punjab exceptional store, typical saving, value in addition to saving, and benefit and
misfortune
Value plus deposit:
The Punjab bank an incentive in addition to store offers item and adaptability. This item
gives more security and opportunity with coordinating adaptability. Clients are presently
open an incentive in addition to account by getting a charge out of the elements of typical
financial records.
Paishgi munafa:
Paishgi munafa is an interesting term intended to address the issue of speculators who need
to put their assets in a medium range The most imperative future of this administration is that
client get benefit during an era of store in a manner that financial specialist satisfy their need
today without the draining of sparing.

Punjab bachat account:

This is the different arrangement, this account involve smallest amount of 50,000.This is
stable for one year.
Personal finance:
Punjab bank individual back ensure that item goes from 1 to 5 years planned primarily for
individuals. The financing highlight in term of buyback period, advance amount, reasonable
regularly scheduled payment.
Mortgage financing:
The home loan is a top notch financing item, having a place with the upper, upper center and
center wage bunches, incorporate into the urban ranges of Pakistan. The Punjab bank
empowers us to seek after their objectives with no issue.
Visa debit card:
Visa charge card empowers the clients to pull back money and deal with your record. Visa
plastic empowers the individual to effortlessly profit the Visa without intrigue charges and
month to month bi
Rupee traveler Cheque:
Punjab bank offers an extensive variety of rupee voyager check to customers. While
voyaging this dispenses with every money related hazard. This is the protected and secure
method for installments in an across the nation.
Corporate banking:
Corporate banks work for a long haul relationship in view of a model that give single
indicate bank that meet the business prerequisites. Our concentration is to give finish exhibit
of money related arrangements that are financially savvy and down to earth, some are
incorporate
Term advances
Working capital office
Letter of credit
Letter of assurance
Stores exchange
Organized exchange fund office
Send out fund
Charge marking down
Receivable un settling. No base need for issuance of visa charge card.

Time pay bill payment:

Time pay account holder and no-account holder can pay their service bills with no charge.
Dial *888# from cell phone without leaving your home. You can pay the postpaid bills by
sitting on the home. This administration is accessible to ZONG clients.

Agricultural banking:
Agrarian saving money items intended for harvests framing, provincial business and other
cultivating. Some rural keeping money items that give the office of administration are as per
the following
Kasson tractor fund
Kasson ever green back
Kasson pet animals’ improvement funds
Kasson cultivate component finance
Islamic banking:
With the support of shariha advisor Punjab bank gives Riba free and shariha consistence
answer for different clients. It offers the important items.
Ijarah vehicle finance clients:
Ijarah is the payment favorable. It is a shariha method of fund received by the Punjab Islamic
bank that meet the vehicle needs of financing of their clients.
Home musharakha:
 Punjab Islamic bank gives home musharakha to develop, enhance, exchange and enhance
property under the idea of musharakha. It intends to adapt to other budgetary duties.
Alternate delivery channels:
Internet banking
Call center
Automatic modify machine

Competitors:
1. Alfalah bank
2. HBL
3. Allied bank
4. JSK Meezan bank
5. bank
6. Standard charter bank
7. Silk bank
8. Askari bank

Organization structure:
Organizational hierarchy chart:

Chairman&
BOD

Managing
director

GM GM GM GM GM GM GM C. risk
Operation Special SME GM IT
Finance Admin Liability Treasury Mgr.
s Mgt. Div. Div.

Regional Regional Regional Regional Regional office Regional

office Lahore office Multan office FSD Office RWP office
Karachi Gujranwala

254 branches
Department name:
Finance department:
The principle elements of the fund divisions are as per the following.
1. Financial Plans.
2. Procurement assets.
3. Find unique hotspots for acquiring reserves.
4. Forecasting of budgetary needs.
5. Carrying arrangements with loan bosses.
6. Utilization of assets.
Account Department:
Taking after are the elements of records division:
1. The record of money receipts and installments of the organization.
2. To keep record accounts and the planning of Trial adjust and yearly reports for
records.
3. Maintain records of settled resources and their deterioration.
4. Keep records of wages and compensations of representatives.
To plan different spending plans, for example, creation spending plans, deals spending plans,
work spending plans, stores spending plans and stock spending plans and so on.
HR department:
The main objectives of HR & QA
Help the other Managers in solving their personnel problems.
1. Motivate the workforce.
2. Pay the fair wages to the employees.

3. Provide better working conditions to employees.

4. Receive orders and policies from the head office and act upon them.
5. Wages and salary administration.
6. Training and development
7. Benefits and services

Marketing department:
 The elements of showcasing division are as per the following
Overseeing gainful client relationship is called showcasing.
1. Dispose of the plans at foreordained costs.
2. Convey data about the market request to its top administration.
3. Send data about the financial stock to the top administration and the bookkeeping
division.
4. Convey data about the most recent redesigns about contenders to the top administration.
5. Raise the deals through visits to the business sectors and to achieve proposals changes.
I.T Department:
The principle elements of IT departments are as per the following:
1. Maintain the database framework
2. Maintain the system framework
3. Security gadgets
Structure and function of finance department or audit department:
Structure and function of finance department:
The management of Bank of Punjab divide in two types i.e. Chairman’s Secretariat &
President Secretariat Executive's secretariat manages back division. Mr Nadeem Amir is
general supervisor of fund division of said secretariat. The budgetary expert identified with
BOP matters of director's secretariat is Mr. Masroor Zaigham. The director of back division
is Mr. Muhammad Ijaz Aziz. Mr. Muhammad Arshad is the head of fund division of BOP.
The back office bargains in genuineness of checks, appropriate usage of assets, planning of
day end explanations, internet saving money, accumulation of sends, opening and shutting
record of customers& organizations and so forth.

Use of electronic data in decision making:

Electrical data provide careful values and which is according to requirement of top level
management. They can measure right profit and loss with the help of electronic data. They
can take right decision about asset and liabilities through electronic data. With the help of
electronic data top management take right decision that which product produce for further
level and which products production should close. However, electrical data provide help in
any opinion.
Sources of Funds trend
The main sources of funds are:
  Open Source As the biggest provincial bank of Pakistan as indicated by resource base
with had some expertise in Agriculture has a large stocks with 80% from the country
regions of the Punjab. The Banks real source of assets is from the Public.

 Currency Market Figurative expression for the unexpected system of merchants and
financial specialists over which here and now obligation securities are bought and
sold. Currency showcase securities by and large are exceptionally fluid securities that
develop in under one year, normally in under ninety days.

 Corporate treasuries and Government Institutions corporate division is one of the

important wellsprings or sources of assets in a wide range of Banking. All major
organization financial foundations and government and private associations are the
real wellsprings of the assets eg WAPDA.

Allocation of Funds trend:

The bank of Punjab distributed funds to some departments. BOP has main focus on not a long
term financing while on short term financing. Mean distribution of funds are following in.
Long Term Financing:
The banks have not major focus on long term financing. Long term financing period is a
more than one year financing period.

Short Term Financing:

The mainly focus of banks on short term funding. The short term financing period is a period
involve less one year. The bank divides this in additional sub divisions.
1. SME Division
2. Agriculture financing
3. Consumer financing
4. Corporate financing
The banks make possible to evaluation of short term and long term financing through
financial statements. The banks avoid reveal the internal matter of funding, the bank therefore
the banks distribute the funds to these departments through bank’s internal matter.
Agriculture financing:
BOP provide all possible facilities for facilitate to farmer’s life. BOP give the facility suitable
financing, BOP provide finance according to need. Through the financing the farmers
increase their production ability. BOP also provides facility of insurance Therefore, the BOP
helpful to promote the agriculture sector.
E-Banking:
The bank has a concentrated database that is web-empowered. Every one of the
administrations that the bank has allowed on the web is shown in menu. Any administration
can be chosen and further collaboration is directed by the nature of benefit.
Utility Bills:
BOP also provides the facility of bill payment and takes some commission charges on every
installment. The customer can pay electricity, gas and phone bills.
Lockers:
BOP have provide locker’s facility to their customers and charged on this facility. Lockers
use for inflow financing.
Consumer financing:
The banks provide loan on high rates. BOP provides personal financing facility Individual
Finance, advance financing, business fund, smart money, vehicle financing and travelers
checks are all wellsprings of assets for the bank. The bank funds every one of these credits
and offices on focused markup rates.
Internship program:
Introduction of branch:

Branch Name University of Gujarat branch

Branch Code
Address University of Gujarat hafize Hayat campus
Phone 053-3521915
Fax 3510538
Tehsil Gujarat
District Gujarat
Province PUNJAB
SWIFT Code ---
Status Online
Email Nadeem.hussain.2666@bop.com.pk

Mr. Ishtiaq butt is current branch manager of university branch. He is truly an awesome
identity, he is an excess of friendly as much fair with their obligation, nature of this branch is
truly neighborly and agreeable. All the staff individuals are truly great, helping and minding.
They all assistance to each other, they offer regard to each other, they don't prod any one,
they are all are knowledgeable and very much encountered that is the reason I inclined from
each individual from the staff. All the individual from staff were extremely legit and faithful
to their work, they play out their obligations with completely duty. They inspired me by their
genuineness and darling for work. I additionally did my occupation as conceivable I can
do.That is the reason they all were content with my work. Really a part from their staff was
missing, and I put work of settlement, I put everything endeavors to my best as it is possible.

Weekly Time Tables:

Weeks Date and Name of Activity
Supervisor
Week 1 4 July, 2016 Account opening including filling form, stamping,
attach required documents and issue ATM card.
Week 2 11 July, 2016 Work in cash department learn account opening
form scanning and mail this form to Head office.
and also learnt filling cheque and deposit slips.
Week 3 18 July,2016 Work in clearing department. learn inward and
outward intercity clearing and NIFT
Week 4 25 July, 2016 Work in Remittance Department, form filling enter
data in system
Week 5 1 August 2016 How lockers are operates and work in Finance
Department
Week 6 8 August 2016 Deals with customers and work in account
department
1st week during the 1st Week of internship I was knowledgeable about account opening. It
is a time consuming process. First of all fill a form, customer sign on this form and thumb
imprint. After this append the required reports and gather data about that individual from
NADRA and furthermore pay the charges to NADRA for this data. In the wake of gathering
information entre the information into the framework and inside a couple days allot an
Account Number. As indicated by the way of record issue ATM card. Fill ATM card frame
and following couple of weeks call to the clients for getting ATM card.

Second Week: In second week my exercises identified with credit office. In this office I
discovered that how to offer advance to clients. certain terms and conditions from the bank
which must meet the moneylender after certain check and surety about the borrower bank
open a record and after that move sum into this. for record opening I examined all types of
record opening and this records document and send it to the Head office.
Third week: In third week I worked in clearing division. They quickly direct me to what is
clearing and how is to be finished. I gather the all checks stamp as indicated by the way of the
checks (treasury and different banks checks). isolate every one of the checks as indicated by
city appoint on it from approved individual enter the information of these registers with
framework and go out to the NIFT individual. I likewise thought about NIFT(National
Institutional Facilitation Technologies) what is administrations of NIFT and how give
settlement to the banks and so on. I additionally realized what is the reasons of check return
and fill the slip that slip and allot t approved individual.

4th Week:
In 4th week I worked in payment department. Remittance officer guided me that what are the
remittances. in this department basically transformation of funds from one place to another
place. bank achieve this service and also take service charges from the client. For the
alteration of money from one place to another bank first of all fill a slip from that person. I
filled that slips from the customers and sign on it from the official person and stamp on it and
after this that person able to get money.
5th Week:
In fifth week I work my in Bill Department. in this department my task was to collect
cheques, request draft, pay order and mail to different branches of Bank of Punjab. BOP
encourage in this division got the installments which are closer for the clients. In this week
additionally discovered that how to offer credits to the borrowers. and furthermore figured
out how to work the arrangement of lockers. Bank of Punjab give the office of lockers to
spare the imperative archives and furthermore adornments. bank charge benefit charges
against this.
6th week:
In this week my entire work was enter the information under the direction of my chief I
entered the information passage framework. I additionally arranged vouchers for the
following day passage in the framework. on the off chance that that passage is not entered in
the PC then entire framework can't be work. In this week I likewise manages clients give the
direction that where the settlement division, account opening office and so on.
Detail of departments in which do wok during internship:
Account opening:
For individual:
For individuals account opening have require are few document
 Two photocopies of ID card

 If that individual is a paid person then take salary slip

 If any individual is illiterate then take thumb impress of both hands and take two
photos on the sample sign system.

For Sole Proprietorship:

 Written Request from the customer

 Names of that person

 NTN( Nationwide Tax Number)

Business card as a resilient (shop card, beauty polar card clinic certificate)
Critical analysis:
Critical analysis is a practical work related to theoretic concept. Critical analysis is a core
part of report of the internship it is also helps any other students. This analysis provide good
understanding of banking environment and finding better relationship between actual and
standard environment of the bank by finding the relationship between which is written in the
books and what is actually going on in. Some cases theory written in the book if not
implement if not implemented. In other cases theory is completed with a little change but not
for practical use. In accounting, banks don't make or ready worksheet, but prepare trial
balance, however little differences, hypothesis and practice has considerable relationship The
securities which bank provide for the advances are handled in the same way as theory says
like mortgage, pledge, hypothecation, advances against insurance rules or protection
arrangement is the same. The alteration is there in the case of loans. In accounting, banks
don't make or ready worksheet, but prepare trial balance, however little differences,
hypothesis and practice have considerable relationship. Hypothesis discusses four or five
terms of credits that is money fund, overdraft, and advances and so on, however by and by
there are some more terms utilized like running finance, request back and so on. Every single
other idea of settlements, bills, foreign trade, letters of credit are as per hypothesis nearly. So
for an internee it is more essential to learn new things which he/she has never fixed about of
in his/her course book The theory provides a positive direction to understand terminology
and understand world best business practices. Theoretical knowledge helps along with book
knowledge in professional life.

System of computer:
Overall system not depend on computer manual work also necessary in an organization
 Right man for right place:

2003 2004 2005 2006 2007

Operating Results
Markup/ return/ interest earne Rs in m 1664 2,555 6,125 11,579 17,539
d
Markup/ return/ interest expe Rs in m 484 719 2,669 7,509 13,939
nses
Net Markup income Rs in m 1,180 1,836 3,456 4,070 3,600
Non-markup based income Rs in m 831 1,097 1,331 2,954 5,423
Non-markup based expense Rs in m 1,002 1,736 3,165 4,769 4,846
Net income after tax Rs in m 689 1368 2353 3804 4446
Balance sheet 164,85
Total Asset Rs in m 43,621 66,320 111,154 5 234,974

101,32
Advances(net) Rs in m 18,344 39,439 63,624 0 133,894

Investments Rs in m

Shareholders’ equity Rs in m 11,458 16,198 18,026 28,233 73,462

Revaluation reserve 2,155 3,419 6,893 5,467 3,885

137,72

Deposits
34,938 54,724 88,465 8 191,969

Borrowing from Fls Rs in m 2,684 2,832 6,791 6,989 17,843

 I feel during my internship right person not work on right place in BOP. I have watched the
individual who has come as client Relationship Officer was acting as a Cashier. It is not a
right thing. Any person hire on the bases of his capability, qualification, skill and experience.
Customer issue:
Individuals need to en-liquidating their cheques for around 10-20 minutes, which is bad for
goodwill of bank; the delay is because of manual work. Therefore, I advise that Computers
and different electronic machines must to be introduced in bank with the goal that time could
be saved.
Shortage of management:
I felt variance time to need more staff in BOP, number of employees very short and in any
work huge burden on a single employee. employees face pressure so, they don’t gave proper
attention on a single work and not motivate for improvement.

Financial analysis:
Analysis the financial position of BOP, use the different tools, which is involve ratio analysis,
vertical and horizontal analysis.
Introduction of financial statement:
The financial analysis includes various statements in which involve the utilization of different
money related deliveries. These announcements do a few things. In the first place the
accounting report and the second is pay statement. The monetary record outlines the benefits,
liabilities, and proprietor's value of a business at a point in time, while the wage explanation
abridges incomes and costs of a firm over a specific timeframe. A conceptual system for
financial examination provides the auditor with an connecting means for organizing the
investigation.
Financial summary of BOP:
Ratio Analysis:
In ratio analysis we are use and calculate profitability ratio, liquidity or leverage ratio etc.
through the analysis we try to forecast upcoming alteration. Result of ratio is given below:

Ratio 2003 2004 2005 2006 2007

Gross spread ratio % 72 56 35 21 6.42
Profit before tax to total % 59.19 66.11 67.89 53.71 (316.29)
income
Markup/interest cover Times 5.08 2.79 1.94 1.65 1.32
ratio
Profit after tax to total % 46.65 49.16 54.16 49.27 (189.03)
income
Total asset turnover Times 0.06 0.07 0.09 0.1 0.12
Return on avg. total % 2.49 2.65 2.76 2.22 (0.05)
asset(after tax)
Price earnings ratio Times 7.25 10.23 (0.60)
EPS (Non-dilutive)
Rs 9.08 10.01 13.14 10.51 (19.02)
/share
Dividend per share Rs/ 4 5.2 3.25 3.5 -
share
Market value per share Rs/ 65.9 102.45 101.25 97.8 11.50
share
Capital adequacy Ratio % 12.83 12.78 10.09 9.69 1.92

GROSS SPREAD RATIO:

This ratio defines whole spread of interest b/w borrowing and loaning. Spread: Difference
between subsidized income as a rate of average earning resources and the cost of assets as a
rate of normal paying funds. The higher the spread the higher will be the benefit
margin.GSR= Rev/CGSGSR= (Mark-up earned – Mark-up Expense)/Mark-up earned GSR is
second most elevated everywhere throughout the globe in Pakistan. GSR of the bank is
diminishing a direct result of the decline in edge, a SBP ascend the interest rates on the
credits.
Profit before tax to total income:
• Working wage less working cost (benefit before expense).
• This proportion tells what percent of aggregate pay is earned before paying all the expenses.
• BOP has a high estimate of benefit before duty to total salary and they are diminishing after
2006 as a result of increment in administrator expenses and correcting off the awful
obligations.
• The valuable purposes behind decrease in the productivity were extra arrangement against
NPL because of the disposal of advantage of FSV and downturn in purchaser and individual
managing an account.
Interest coverage ratio:
 In this ratio explain that percent of interest which is covered of bank’s total revenue.
 This ratio show that the capability of bank how much pay the interest or mark-up to
the creditors.
 MP/Interest cover ratio= EBIT/Mark-up

Profit after tax to total revenue ratio:.

.
 In this ratio shoe that profit of bank after payment of all taxes to whole revenue.
 Govt decrease tax payment therefore, the profit of the bank in rais and very fastly
 The bank of punjab converted or echange their taxes from government in 2006 pay
20% in 2007 pay only 8% in its place 35%

Total asset turnover:

 Asset turnover=net income/ total assets
 The asset turnover ratio shows that gross revenue of the asset to create income.
 During last 5 years according to this ratio increasing trendWhich is growth of revenue
through assets

Return on total asset (After tax):

 The ratio provide awareness about net profit created by the bank in evalueation with
asset.
 Return on assets is equal to Profit after tax over total Assets
 The expenses is increasing in the last 5 year therefore the profit decreasing which is
shows in this ratio
 The decline was basically because of expanded value subsequently of increment in
least capitalrequirements and extra arrangement because of withdrawal of advantage of
FSV for most sorts of advances
Operating 2003 2004 2005 2006 2007
Result
Interest earned % -24.399 34.8728 58.28571 47.10251 33.98141
Interest % - 32.68428 73.06107 64.45599 46.12956
expense 105.785
Net markup % 9.0678 35.72985 46.875 15.086 -13.0556
income
Non-markup % 54.994 24.24795 17.58077 54.94245 45.52831
based income
Non-markup % 4.09182 12.86957 10.92177 31.40276 17.78069
based
expenses
Provision % -575 82.97872 85.8006 11.49733 80.19068
against NPLs
Net profit % 56.8862 42.28111 45.15008 33.63389 1.588939
before tax
Net profit
% 58.7808 49.6345 41.86145 38.14406
after tax
14.43995

Balance sheet

Total asset %
34.22648 40.33503 29.84117
32.2964 32.57469
Advances(net) % 37.2049
63.9065 53.48766 38.01239 24.3282

Investments % 27.6052 29.26287 10.14091 36.15273 61.56789

Shareholders % 22.575 30.95023 34.7794 36.41993 29.45731

equity

Revaluation % 55.9165 36.96987 50.39896 -26.0838 -40.7207

Reserve

Deposits % 31.9738 36.15598 38.14051 35.76833 28.25508

Borrowings % 51.9374 5.225989 58.29775 2.833023 60.83058
from Fls

Price earning ratio:

 P E Ratio= Market price of a share/EPS
 In this ratio it is investigated which is % of EPS is the piece of MPS. What % earned
from a share equal to the value of 1 RS MPS by the bank or a firm.

Earning Per Share:

 EPS = Net Income/ total shares
 We can analyse through this ratio what % earned on 1Rs share

Capital adequacy Ratio:

 C.A ratio gave information loaning to a positive ratio of equity.
 Capital adequacy ratio is set by the State Bank of Pakistan

Net iterest income:

 In this ratio comparison between subsidized income as a rate of normal attractive
resources and the cost of assets as a rate of normal paying assets.

Return on equity:
 Income before tax as % of total equity.
 The reduction was basically because of long-drawn-out value accordingly of
increment in
least capital necessities and extra arrangement
because of withdrawal of advantage of FSV for most sorts of advances.

Common size analysis:

Horizontal analysis:
This kind of investigation tells to the percent change in particular detail of the Income
explanation or the accounting report from the current year. This examination is utilized to
statement on the development of particular detail in the business or the firm.
Vertical analysis:
The analysis analyse thee item (expenses, tax, interests, dividends) influences on total profits.

2003 2004 2005 2006 2007

Markup/ return/ interest % 66.69 69.96 82.15 79.67 76.38
earned
Non-markup based % 33.3 30.04 17.85 20.33 23.62
Income
Markup/ return/ interest % 19.40 19.69 35.80 51.67 60.70
expenses
Non-markup based % 40.16 31.49 17.31 12.95 9.97
expenses
Provision against NPLs % 0.32 1.29 4.44 2.57 8.22
Net profit before tax % 40.16 47.54 42.45 32.81 21.10
Net profit after tax % 27.62 37.46 31.56 26.17 19.36

Future Prospects:
1. Financial Valuations and the future prospect of BOP
Bank of Punjab going towards growing trend, it is recently share exchanging at PKR
97.80 on final of financial year at 30thJune, 2007).This analysis explains the real
growth trend of BOP.BOP it can be examined that it will honest grow up. Through
various estimations and by review comments of examiners it is normal that it would
grow up to PKR 125 by DEC. It shows open future benefit.
This valuation depends on a standardized ROE of 25.3% (ROA of 2.7%), cost of
Equity of 17.0 % and a longstanding development rate of 11.2%.A complex
investigation appears:
• With each 10% change in credit costs, reasonable esteem would change by 3.3%.
• For each 10% change in NIM, BOP’s reasonable approval would change by 7.5%.
• A100bp change in advance development measures for 2007, 2008, and 2009 would
bring about a Change of 1.0% in reasonable approval. The calculation made in
affectability of improvements in the charge of value and the Terminal development
rate. The cost of value depends on a 10.2% hazard free rate, a 6%equity hazard
 premium, and a central hazard weighted of 1.13. The unending development
supposition suggests a profit payout proportion of 25%. For each half change in the
cost of value, and the terminal development rate the bank's reasonable esteem would
change by 4.6%.It can be affirmed by taking a gander at share value execution.
BOP's share cost has performed well in the last year. It is up 31.2% in the previous
12 months, and is up 21.1% YTD. The stock has beaded the nearby benchmark
KSE-100 by 5.0%. Execution is peaceful stunning.

INTRODUCTION (SWOT Analysis):

SWOT investigation is an Strength, Weakness, Opportunity and threats that SWOT
examination is cautious assessment of an association's inner qualities and shortcoming and in
addition its surroundings openings and threats."SWOT examination is a situational which
incorporates qualities, shortcomings, openings and dangers that influence hierarchical
performance. “The general assessment of an organization qualities, shortcomings, openings
and dangers is called SWOT analysis. “In SWOT examination the best methodologies
achieve an association's central goal by:
1Exploiting an associations openings and strength.
2. Neutralizing it threats.
3. Keeping away from or revising its weakness.
SWOT examination is a standout amongst the most critical strides in detailing system
utilizing the association mission as a unique circumstance; directors evaluate inside qualities
unmistakable skills and shortcoming and outside circumstances and dangers. The objective is
to then grow great methodologies and adventure openings and qualities kill dangers and stay
away from shortcomings.
SWOT Analysis:
Strength:
1. :The scope of items is accessible on which the client can bank.
2. The bank has great brand name.
3. The banks have skillful human asset.
4. Automated process and technique.

5. The administrations and Profit rate is focused in market.

6. The Customer base has pulled in the vast majority of the clients in Pakistan.
7. Bank of Punjab has a wide system of branches at the perfect areas, providing food the
budgetary needs of its customers.

8. Image of Building is Activities.

9. Bank is monetarily solid and has a gigantic store save.

Weaknesses:
Computer and it system is less effective.
Upper management pressure is more on lower management The Skill set of representatives is
not up to the stamp.
The Problems are not settled right now.
No Advertising In Electronic Media
a stage of new innovation when contrasted with different banks
A large portion of the representatives are over-burden with work. There is uneven circulation
of work and advancements are not convenient

Opportunities:
Business in market
Branch system
Computer base system
The addition of local branch network
E-banking

Threat:
1. The variation in government strategies

2. Kidnapper image of the country

3. Growing the global technological advancement.

4. Developing the banks

 5. Innovative the services of other banks

6. The change in economic tendency

Problems:
Less effective computer and IT system:
The Punjab bank has less proficient PC and IT framework. There are extensive quantities of
clients in bank. The fundamental issues emerge around then are "framework down" the IT
office is required more effective framework.

ATM machine complaint:

During my internship I feel the problem of ATM it not work properly and disturb the
services. For ATM the customer face the great disturbances
Lack of new market strategies:
In the event that a name is not unmistakable in business field the bank confronted an issue..
The Punjab bank is not embracing any new procedures for advancement. Since the hard
competition period helps in contending.

Delay of problem solutions:

The issues are never settled at the branch. I was working Punjab bank dismissed branch there
was a gigantic issue. No utilization of UPS for the PC frameworks the branch administrator
approached the fundamental branch for a few circumstances for new UPS. Yet, this issue was
tackled following a month which influences the bank.

Small and unattractive branch:

This Punjab bank office was too little. The clients think it is not a bank and the ventilation
systems not working appropriately. By draw in clients the branch ought to be sufficiently
appealing to the clients. Furthermore the work group is untouched outside the bank office
which makes the female staff and different clients uncomfortable to come this bank.

Employees job rotation problem:

Employees continue working a similar work for a considerable length of time. They get
encouraged up on account of that have no enthusiasm for their employments. It is imperative
to keep the enthusiasm of workers since it influences on o the bank comes about.

Late promotion:
Work promoters must be done following 2 or 3 years. Representatives are baffled following
a year when they don't get any adjustment in future.

Less motivation:
During the internship I feel a great issue in BOP lack of motivation. Motivation work as a
oxygen for employee work well. The department of H.R should take step for motivation of
employee.

Conclusion:
Functional Training Program, spreading over crosswise over a month and a half, does a ton of
good for the understudies, as it empowers them to have a look into the association, which
they plan to participate sooner rather than later as chiefs. Now it positively is noteworthy to
compose an expression of appreciation for the establishment's organization, which ensures,
that every one of the understudies get an introduction to functional life in moderately very
much presumed associations. I should underscore the way that written work this temporary
job report was an equitably paramount ordeal as really "doing" the entry level position.
Regardless of hardened rivalry in keeping money industry, Punjab Bank has been keeping up
its position in the managing an account industry of Pakistan by dealing with the most
astounding nature of credit portfolio and exclusive expectation saving money items and
administrations. In this period of innovation, the "Data" is the way to accomplishment in the
business. This implies the fruitful businessperson will be who will have the correct data at the
ideal time. This remark prompts to the conclusion that the Information Sharing Process and
IT framework should be made strides. The general examination is showing that the
organization's advance has for the most part achieved through devotion of representatives.
The adequacy of its administration, their eagerness to exploit openings and face difficulties of
changing monetary picture, this all adds to the especially enhanced and sound position of
Punjab Bank. This is truly obvious for the commitment and diligent work of the considerable
number of representatives of the Punjab Bank.
Recommendation:
In the light of above given SWOT investigation and the characterized issues of the particular
branch, in the accompanying lines I might advance a portion of the Punjab Bank ought to
essentially take sooner rather than later. Punjab Bank needs to utilize all the more advertising
channels to make the general population mindful of its items and administrations. Within the
sight of extraordinary rivalry Punjab Bank needs to understand the significance of promoting.
Punjab bank ought to promptly enhance its Information Technology System. The product's
right now being used ought to be made blunder free, web based saving money ought to be
make more effective at the earliest opportunity, as it is the need of great importance, and
incorporated information trade ought to be taught to empower best administration to screen
all exercises going about in all branches through era of extraordinary reason reports.
Administration ought to disseminate work similarly among various representatives. A portion
of the representatives are overburdened while a few segments are staff heavy. Pay
augmentations and advancements ought to be done after a particular era for inspiration of
representatives The top administration ought to quickly begin thinking regarding turning the
representatives in different divisions (work advancement and occupation amplification), as
this changes work constrain into human capital and keep the workers from weariness. A
standout amongst the most squeezing needs of the time is to publicize Punjab Bank in the
electronic media. Bank Alfalfa Limited has not, till date, utilized ad in electronic media as a
full fledge advertising apparatus. There ought to be a particular "fair" critical thinking group
for all branches so that the issues can be explained right now whether identified with ATM or
administration so that the clients or representatives' work may not influence by any issue.
Best officials of the bank ought to rouse their representatives to convey business to the bank
and deal with them so they keep faithful to their employment and Bank.
References:

http://anubanking2.blogspot.com
http://www.nos.org/Secbuscour/15.pdf
www.bop.com.pk
http://finance.mapsofworld.com/finance/finance-and-banking/history-of-banking-and-
finance.html
http://www.articlesbase.com/insurance-articles/financial-and-insurance-sector-in-
india-468408.html
https://www.bop.com.pk/Default.aspx
http://www.nift.com.pk/
http://www.nos.org/Secbuscour/15.pdf
en.wikipedia.org/wiki/ Bank of Punjab
www.boplhr.com