English Department

Diploma in Business English Studies Program

Internship Report at the Arab Tunisian Bank ATB
Prepared by :Maryem Yaakoubi
Faculty Supervisor: Mrs. Madelif Zaidi
Internship Supervisor: Mrs. Chames khadrawi
Internship period: 1 August _30 August 2

Academic year: 2013/2014

Plan :
1.First Part :
Introduction
Description of the company
Description of Agency
2.Second part :
Performed tasks
Observed tasks
3.Third part :
Discussion
recommandations

Conclusion


Introduction
Banks play a useful role in promoting the economic
development of any countrys economy. Banks
tending and investment activities lead to changes in
the quantity of money in circulation which in turn
influence the nature and quality of production.



Nationally, the banking sector is the pillar of the
Tunisian economy. The Arab Tunisian bank (ATB) is
one of the most important banks in Tunisia.

An overview of the Arab Tunisian Bank( type ,located)
Strategy:
Arab Tunisian Bank ATB has adopted the strategy of modernizing systems of
work and improving its human capital to respond to the expectations of its
customers whether individuals , professionals, businesses or institutions
Objectives :
The ATB strategies concentrate on two main objectives which are the
satisfaction the customers needs and the construction of relationships
based on trust and loyalty.

Description of the company :
Description of Agency :
The Branch Manager
The Assistant
Cashier 2
Cashier1
The Service Customer Representative /Officier
The Responsible for Loans
Performed tasks
The Remittance of Checks:
The Wire of Transfers:

The Request of Credit
card:
The Activation
of a Credit Card:


Checking Account Balances:
Opening Accounts:
Modification:
Check Certification:
This operation is done at the request of beneficiary of the check.
Responding to this request, the banker must withdraw the amount of
the customers account and set it aside in an internal account. In
other words, a certified check is guaranteed by the bank which
assures the payee that the check will not turn back to him.
Closing of the Account:
Is an operation to close an account either because of the request of the
holder, by decision of the bank, or the holders death. With rare
exceptions, the bank may not proceed to close an account without
having to comply with a notice of 60 days.

Payment Effect:

There are two types of payment effects. The first is to pay it at
deadline, and the second is an effect with discount when the
client pays his bills before the deadline.


Closure of the Menu I bank:

By the end of the day, the responsible makes the closing of the
accountable operations and prints reports of all the operations of
the day and sends a copy to the headquarter.

Discussion
Weakness Institute
Pedagogical mistake .



Weaknesses of the ATB
Problems with the new systems

Lack of confidence between the
customers and the agency.
The main Language of Transactions
between the Tunisian Administrations is
French .
Recommendations
Conclusion:



I have really improved my interpersonal skills
during my internship in the Arab Tunisian Bank . I
have learned how to be more self-confident,
serious and punctual, and I have also learned
new ideas about banking field which was really
mysterious for me, but not anymore.