ii

DECLARATION BY THE INTERN

I, the under-mentioned, solemnly declare that this internship report on HABIB METRO BANK
is my original work. I further declare that I have strictly observed reporting ethics and duly
discharged copy-right obligation and properly referred all outsourcing of materials used in this
report and nothing is confidential in this report in respect of the company of my internship. I take
the responsibility for all legal and ethical requirements regarding this report.



Signature: __________________

Name: IQRA SHAHID
Registration No.L4F12MCOM2056













iii

ACCEPTANCE CERTIFICATE
This internship report on HABIB METRO BANK is accepted by the Punjab College of
Commerce, M.COM campus on the bases of declaration given by IQRA SHAHID
L4F12MCOM2056

Internship Supervisor:
Name:
Signature:
Date:




Principal
Punjab College of Commerce
Lahore
Signature










iv

ACKNOWLEDGEMENT

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. It is one of infinite blessings of ALLAH that he bestowed me with the potential and
ability to contribution towards the deep oceans of knowledge already existing. I also thank my
parents, my brothers and friends for their support in completion of my internship report.



















v

EXECUTIVE SUMMARY
Habib Metro Bank is not a largest bank in the Pakistan. But have a solid track record of twenty
one years - in addition to the convenience of over more than 180 branches serving its
customers throughout the country and also at several overseas locations. In this 8 weeks of my
internship I have learned a lot of things there.

This report contains the information and learning about HMB that I learnt during the 8
weeks internship period in HMB. This report deals with History & introduction of the HMB, its
Products and Services, and also the review of various departments of the Bank. This report
shows critical analysis of HMB.
In 2
nd
chapter discussed about internship activities during internship in HMB.I worked in
accounts department remittance department, clearing department, trade department. I learned
how to clear cheques how to open account how to issue cheque book.
At the end of this report, on basis of my observation during internship, SWOT analysis
of HMB is provided. Suggestions are also recommended as per learning from analysis. This
report will provide a better and brief learning about Habib Metro Bank.











vi


LIST OF TABLES
Table No. Title of Table Page No.
1.1 Shareholders of bank 11
1.2 Ratios 21






















vii

LIST OF FIGURES
Figure No. Title of Figure Page No.
1.1 Organization chart 17
1.2 Function chart 17























viii

TABLE OF CONTENTS

Title Page
Internship Completion Certificate I
Declaration by The Intern ii
Acceptance Certificate iii
Acknowledgement iv
Internship Executive Summary v
List of Tables vi
List of Figures vii
Table of Contents viii
Chapter I
INTRODUCTION OF THE COMPANY
HMB (full title) 10
1.1 History of the Company 10
1.2 Ownership of the Company 11
1.3 Services 12-13
1.4 Products 14-15
1.5 No of branches 16
1.6 Market share 16
1.7 Customers type 16
1.8 Organization Chart of the Company 17
1.9 Functions Performed by departments 18-20
1.10 Critical Analysis 20
1.10.1 Financial Analysis 21
1.10.2 Marketing Strategies 22-23
1.10.3 Major competitors of the Company 23-24
1.10.4 Success and Failure of Company Products in the Market (reasons) 24
1.10.5 Major HR Policies 25-26
1.10.6 Competitive Analysis of the Company (SWOT) 26
1.10.6.1 Strengths 26
1.10.6.2 Weakness 26
1.10.6.3 Opportunities 27
1.10.6.4 Threats 27

Chapter II
INTERNSHIP ACTIVITIES
2.1 Account opening department 28
ix

2.1.1 Supervisor 28
2.1.2 Process 28-29
2.1.3 Quality control 29
2.1.4 Activities performed 29
2.1.5 Comparison between theory and practice 29
2.2 Cash department 30
2.2.1 Supervisor 30
2.2.2 Process 30
2.2.3 Activities performed 30
2.1.9 comparison 30
2.3 Clearing department 30
2.3.1 Supervisor 30
2.3.2 Process 31
2.3.3 Quality control 31
2.3.4 Activities performed 31
2.3.5 comparison 31
2.4 Remittances department 32
2.4.1 Supervisor 32
2.4.2 Process 32
2.4.3 Activities performed 33
2.5 Trade department 33
2.5.1 Supervisor 33
2.5.2 Process 33
2.5.3 Activities performed 34
2.6 Credit department 34
Supervisor 34
Activities performed 34
Chapter III
INTERNSHIP ASSESSMENT AND RECOMMENDATIONS

3.1 Major Responsibilities Undertaken During Internship 35
3.2 Skills and Qualifications Acquired from Internship 35
3.3 Impact of Internship on Future Career Path of the Intern 36
3.4 Overall Comparison Between Theory and Practice 36
3.5 Recommendations for the Company 37
3.6 Recommendations for the College 38
3.7 Recommendations for Future Interns 38
Appendices 40-41
References 39

x