Recommendations for improvement: Askari Bank is a very good bank on every point of view.

But I have some suggestions, which can add some inputs and beneficial in solving problems. During my internship I analyzed that there is need for the improvement of the working condition of branches, modern techniques of decentralization must be adopted. Software should be provides to the division to access and consolidate the data of borrowers. Government should provide subsidies to borrower regarding insurance. The rate of mark up is little bit high it should be reduce. Some of the authority must be delegated to the lower management and the staff, unto some extend. This will improve the confidence of the employees. According to financial point of view operating profit of the bank stood at the same level as of last year. Administrative expenses have increased. This rise is mainly due to the new branches opened during 2009 and 2008. Earning per share is increased. The increase is mainly due to growth in net interest income and decline in provisions. Banks debts are higher then equity so Bank should take further steps to improve the equity and reduce the debts. Askari Bank limited is currently adequately centralized. However, ensuring losses from declining asset quality and proposed acquisition could necessitate the need to inject the fresh capital into the bank. Conclusion: The Askari Bank showed good and marked performance during year 2009. During this year bank showed excellent improvement over the previous year although non-conductive business conditions prevalent most of 2009. The bank was able to wisely manage the risk and returns although credit demand and continued stress on banking margins. Also Askari bank is able to drive significant gains through active management of money market, equity and debt management portfolios. Key elements of strategies of Askari Bank are consolidation of business and operations. During 2009 greater focus on strengthening policies, workflows, process and controls. A technology transformation show that the bank has embarked upon is an advance and vast stage of implementation. In near future benefits are expected in the form of improvement in service quality, customer offering, internal controls that will further reinforce the bank capabilities and readiness for future challenges.

Financially operating profit of the bank is almost same level of the last year. Share holders funds and earning per share are increased during this year. The bank capital adequacy ratio stood at a comfortable level. Islamic banking operation of the banks are now become the top players and it is sure that Islamic Banking will continue to maintain its rate of growth. The agricultural and rural department gain great significance by facilitating farmers with finance. So I conclude that Askari Bank has a good and successful present and future which assures that shareholders maximization of wealth.

LEARNING AS A STUDENT INTERN There are following learning points for me in the bank. First week Duties In my first week in Askari Commercial Bank commercial bank, they assigned me work in Account Opening Department. Mr Sarfaraz Sangi trained me very nicely and I learned lot of things in this department. He told me different accounts names and their codes. How to open the account: New Computerized national identity card is must for opening of new account. For current account 10,000 and for saving 5,000 are required. What are the necessary requirements of different accounts to be opened? Other activities are How to fill the deposit Slip if anyone wants to transfer cash in the account or online transfer How to fill the different accounts Form How to fill the voucher for issuing of the Cheque Book for the first time How to fill the requisition slip for the second time issuance How to issue the Cheque Book How to enter it in the register What are the procedures for the ATM card

Accomplishments I m fully trained in this job how to open the different accounts , how to issue the cheque book and enter it in the register and how to transfer the amount through cash or cheque to an account and how to issue a Debit Card. Second Week In the Second Week they assigned me work in Clearing Department .Mr Sarfaraz Shaikh trained me very nicely and I learned lot of things in this department. Duties There are two types of clearing. 1. I/W (Inward clearing) 2. 2. O/W (Outward clearing) In this week I entered the cheques lodged for inward clearing in clearing register as their cheque number account holder name cheque amount and bank name amount to be paid. Secondly in this week I prepared (O/W) clearing for next day. Same as entered

cheque number account holder name amount and bank name. In this week I also entered cheque return in cheque return register and put cheque return slip on cheque. Accomplishments I am fully trained now in this particular job. How to fill cheque return slip? How to enter in I/W, O/W clearing register.

Third Week Duties In third week I perform following tasks relating to the banking system. IBC (Inter bills clearing). I n t h i s w e e k I w o r k e d f o r I B C ( I n t e r b i l l s c l e a r i n g ) . I B C m e a n c h e q u e s l o d g e d f o r clearing from other city. I entered these cheques in IBC register if it is ACBL cheque then Mr. Sarfaraz cleared or return this cheque and if it is cheque of other bank then it is again entered in O/W clearing registered and lodged next day for clearing. S e c o n d l y i n t h i s w e e k I p r e p a r e d O B , f i l l i n g o f O B C s l i p a s c h e q u e n u m b e r t h e i r amount OBC number and branch name. Accomplishments In this week I repeatedly performed this job and now I am fully trained in this job. Fourth Week In Fourth week they assign R e m i t t a n c e s D e m a n d d r a f t a n d P a y o r d e r preparation.

me work for

Duties D e m a n d d r a f t i s f o r p a ym e n t o u t s i d e o f c i t y a n d p a y o r d e r f o r l o c a l p a ym e n t . I t i s a secure source of payment. There are no charges for Pay order while other banks charge for this service so it is an advantage going to ACBL bank to attract customers. Accomplishments In this week I repeatedly perform the jobs and I am fully t r a i n e d i n s u c h t y p e o f operations i.e. to make the DD, Pay order a n d m a r k t h e C h a r g e s i f c u s t o m e r i s n o t account holder of the Bank then 255 Rs commission of the Bank. Fifth Week Duties In this week I worked in Accounts and Cash Department. In fifth week they assign me work in cash department. In cash department I learned about Receipts and Payments and about how to receipt cash and how to enter it in computer. In Accounts Department how to sort the Vouchers and preparation of Salaries. Accomplishments I am fully trained in this job i.e. to check that all the vouchers are s c r u t i n i z e d a n d matched with the activity Sixth Week Duties In Sixth Week I worked in Foreign Exchange and in Credit Department. They told me brief introduction about import and Export. Necessary Requirement about the Letter of Credit .What Documents are required for Import and Export. Secondly in this week I learned

about advances from credit manager Mr.Javed Katpar. What are requirements for loan? It is a procedure that takes many days. Accomplishments I in this week I m fully trained in these jobs.

I offer my humblest thanks to Almighty Allah from the deep of my heart that He always provides me guidance and blessings which are uncountable. This task was assigned to me by MBA (Management) and I complete this task with my full concentration and devotion. I have completed this repot with the help and support of many people who encourage and guide me in completion of my task. I most courteously acknowledge the great support and help Asif Mushtaq assistant Vice President Manger of MIS department, Asim sheikh Vice President, Abdul Qayyum Sukhera Assitant Vice President ARBD. I also acknowledge M. Farooq Abid Tung Country Head, agriculture and Rural Business. I greatly thank full to all these people who guided me at every step and provide me help in completion of my task. I am highly indebted to my course instructors who provided not only an opportunity to learn about practical work and its implementation but also guide me through email for its completion. I am very great full to my Teachers who always helped me. I am also thankful to my beloved parents and all those people who support and guide me in the completion of my report. THANKS.

Acknowledgment In the Name of ALLAH The Most Gracious, The Most Merciful But His command, when He intendeth a thing, is only that he saith unto it: Be! and it is. (Ya-seen Verse 086) All praise to ALMIGHTY ALLAH alone, the Omnipresent and the most Merciful and compassionate. The words are bound, knowledge is limited and time is short to express His dignity. I am varying thankful to ALLAH who created me and gave countless blessing. He is the only Master of the universe and the Day of Judgment. First I thank my parents for their continuous support in MBA Programme. I also would like to thank all my teachers who guide me in the right direction, they taught me how to ask questions and express my ideas. I am also thankful to Sir Muhammad Azeem. I am very thankful to the branch Manager of Askari Bank (Qurtaba Chowk Branch) Mr. Shahid Mehmood Alvi who provided me the opportunity to learn.