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Internshipreport

Summer Internship Report
For
Bank Alfalah

Submitted By:
Usman Ali
BBA-5(B)
01-111052-094

Submitted To:
Sir Imtiaz A. Mohar
Internship Coordinator

Submitted On:
10th September 2007
Table of Contents
1 Executive Summary 5
2 Introduction 7
2.1 Central Background Information 7
2.2 Company Background 8
3 Company's Analysis 10
3.1 Operational Analysis 10
3.2 Financial Analysis 12
3.2.1 Operational Result 12
3.2.2 Balance Sheet Results 13
3.2.3 Ratio Analysis 14
3.3 Human Resource Assessment 15
3.3.1 Batch Trainees 16
3.3.2 Direct Induction of Fresh Candidates 16
3.3.3 Experienced Professionals 17
3.3.4 Training 17
3.3.5 Benefits provided by Bank Alfalah 18
18
3.4 Marketing Analysis 19
3.4.1 Electronic 19
3.4.2 Print 19
3.4.3 Sponsorships 20
4 Environmental Analysis 21
4.1 Industry and Market Analysis 21
4.1.1 Major Product Lines Market Segments 21
4.1.2 Growth Rate for the entire Industry 23
4.2 Competitor Analysis 25
4.2.1 Major Competitors 25
4.2.2 Their Market Shares 26
4.2.3 Their Goals and Strategies 29
4.3 Technology Analysis 31
4.3.1 Technical Methods that Affect the Industry 31
4.3.2 Innovation 32
5 Departments Worked During Internship 33
5.1 Accounts Opening Department 33
5.1.1 Major Deposit Account Products 33
5.1.2 Basic Requirements for Account Opening 35
5.1.3 Internal Codes for Bank Alfalah Accounts 35
5.1.4 Major Work Done by Account Opening Department 36
5.2 Home Finance 37
5.2.1 Major Home Finance Products 37
5.2.2 Features of Home Finance 38
5.2.3 Procedure for a Home Loan 38
5.3 Car Financing 39
5.3.1 Procedure for Car Financing 39
5.4 Accounts Department 41
5.4.1 Activity Checking 42
5.5 Credits Department 43
5.5.1 Funded Credit Line Facility 43
5.5.2 Unfunded Credit Line Facility 44
5.5.3 Types of Securities 46
5.6 Operations Department 47
5.6.1 Clearing 47
5.6.2 Transfers 49
5.6.3 Remittances 50
5.6.4 Cash Transfers 52
6 Identification of a Main Problems and...