Faysal Bank

INTERNSHIP REPORT
Preface
Starting with the Name of ALLAH the Most Merciful
In the start I would like to pay thanks to ALMIGHTY ALLAH, with the
bottom of my heart who blessed me with HIS kindness to complete the given
Project.
The Management Science Department of THE ISLAMIA UNIVERSITY OF
BAHAWALPUR Rahim Yar Khan Campus, want that the Students have to
know that how the theoretical knowledge is being applied as practically.
For this purpose the respectable instructor send the Student to various
Organization as well as gave different sort of assignment and projects.
Furthermore, every student has to complete 4 to 6 week internship program
in well reputed organization during the completion of MBA degree.
I have selected FAYSAL BANK LIMITED. It was a golden chance for me to
enhance my knowledge practically. FAYSAL Bank developed and shaped my
capabilities and skills in the practical environment. Furthermore during
this period I obtained a lot of information. I hope this practical and
valuable.
The Islamia University of BWP Rahim Yar Khan campus
INTERNSHIP REPORT
ACKNOWEDGEMENT
First of all, I thank my all respected teachers for providing me
comprehensive knowledge about Business Administration Courses
and also for providing me the opportunity to complete my internship
program in FBL to enhance my practical knowledge about banking
sector of Pakistan. I am also indebted to the followings because
without their help, I would not be able to achieve this practical
knowledge:
Miss Shumaila
(CSD)
Sir Awais & Sir Numan (Auto Finance )
Sir Moin Sheikh
(PFD)
Miss Sumera & Sir Ahmed (CAD)
Sir Rizwan
(Western union & locker)
Sir Kamil & Sir Wasim
(Clearing house)
Sir Fahim Abssi
(Agriculture department)
Miss Nadia
(HR department)
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Dedication
To my parents who support me and given me the
direction towards completion of my education.
All the time they pray for me.
And my teachers who make me clear every

aspect of business education.
INTERNSHIP REPORT
Executive Summary:
Company
Faysal Bank Limited
Profile:
Exchanges:
KAR
2007 Sales:
14,971,000,000
Major Industry:
Sub Industry:
Country:
Employees:
Financial
Commercial Banks
PAKISTAN
1394
Faysal Bank Limited.

Faysal Bank started operations in Pakistan in 1987, first as a branch set-up of Faysal
Islamic Bank of Bahrain and then in 1995 as a locally incorporated Pakistani bank under
the present name of Faysal Bank Limited. On January 1, 2002, Al Faysal Investment
Bank Limited, another group entity in Pakistan, merged into Faysal Bank Limited which
resulted in a larger, stronger and much more versatile institution. In fact it has the highest
share capital amongst private banks in Pakistan and is amongst the largest in terms of
equity.
Faysal Bank Limited is a full service banking institution offering consumer, corporate
and investment banking facilities to its customers. The Banks widespread and growing
network of branches in the four provinces of the country and Azad Kashmir, together
with its corporate offices in major cities, provides efficient services in an effective
INTERNSHIP REPORT
manner.
The majority share holding of Faysal Bank Limited is held by Ithmaar Bank B.S.C an
investment bank listed in Bahrain.
Ithmaar Bank B.S.C. is licensed by the Central Bank of Bahrain and listed on the
Bahrain Stock Exchange (ITHMR). It has a paid-up capital of US$360 million, total
equity of US$1.1 billion and is a full investment bank with its direct business covering
the Middle East and North Africa (MENA) region, as well as South Asia, Asia-Pacific
and Europe. Besides holding significant investments in the banking, financial services
and real estate sectors in different markets, the main activities of the Bank include
underwriting (equity and other financings), private equity (structuring, participation and
portfolio management), Islamic financing, private banking, and advisory services
covering project financing, investments, capital markets and mergers & acquisitions.
The Group's principal activity is to provide commercial banking services through its
subsidiaries. The banking services include corporate banking, consumer banking, branch
banking, trade finance and investment banking services. The operations of the Group are
conducted through 109 branch offices.
Faysal Bank Limited (the Bank) is engaged in commercial, consumer and
investment banking activities.
The Bank operates in four segments:
Corporate finance
Trading and sales
Retail banking and
Commercial banking.
INTERNSHIP REPORT
Corporate finance segment includes investment banking activities, such as merger and
acquisitions, underwriting, privatization, securitization, initial public offers (IPOs) and
secondary private placements.
Trading and sales segment undertakes the Banks treasury, money market and capital
market activities.
Retail banking provides services to small borrowers, such as consumers, small and
medium enterprises (SMEs) and borrowers agriculture sector. It includes loans,
deposits, other transactions and balances with retail customers.
Commercial banking includes loans deposits, other transactions and balances with
corporate customers. During the year ended December 31, 2007, the Bank had a branch
network of 105 branches and operates five service centers.
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Organizational structure
C EO / CG M
Country General Manager
Credit
Department
O pe rati on s
Dep art men t
Consumer
Banking
Corporate
Banking Group
Country Risk
Manager
Country
Operations
Manager
Head of
Consumer
Banking
Corporate
Head
Corporate
Head
Regional Head of
Consumer Banking
Corporate
Head
Regional
Operations
Manager
Regional
Corporate Head
Branch
Manager
Branch Sales &

Service Manager
Branch
Relationship
Officer
Branch
Operations
Manager
Personal Services
Officers
ccccc
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OUR VISION
To be the bank of first choice with the highest ethical
principles as our guiding force.
06
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OUR MISSION
To excel in providing innovative, value-based banking solutions
to meet the changing needs of customers and further strengthen
our image of trust and reliability.
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10
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OUR VALUES
Integrity
We will hold fast to the highest standards of ethical conduct to meet our commitments to
our customers, employees and shareholders. Above all, we will hold true to our personal
commitment and conviction to the truth.
Corporate Governance
Our goal is to respond to a rapidly changing business environment in a timely manner, to
improve corporate citizenship and transparency by reinforcing our ethical standards and
building a relationship of trust with customers and stakeholders.
Corporate Social Responsibility

We believe that the highest standards of engagement must not be only with our
stakeholders, employees or customers but also within the community in which we work
and live. We abide by the laws of Pakistan in which we do business, we strive to be a
good corporate citizen and take full responsibility of all our actions.
Responsible Communication
We commit to creating a dignified workplace based on honest, open and respectful
communication. We first listen with the intent to understand and then communicate
ideas, results and information forthrightly.
11
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Excellence
We are committed to the highest level of personal & professional excellence and operate
with a goal of continuous improvement.
Teamwork
As a team, we play to win from the smallest unit to the enterprise as a whole. We
achieve far more as a team than as individuals.
Respect
We appreciate our diversity and believe that respect for our employees, customers,
stakeholders, and all those with whom we interact is an essential element of all
positive and productive business relationships. We treat everyone as we wish to be
treated, with dignity and respect.
Quality Service
The moment of truth is impacted through every employees interaction. The essence of
quality service is embodied through every interaction that we have, within ourselves and
with our customers.
12
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Board of Directors
Syed Naseem Ahmad
Chairman
Naved A. Khan
President & Chief Executive

Officer
Graham Roderick Walker
Director
Mohammad A.R. Hussain
Director
Mohammad A. Rahman Bucheerei
Director
Farooq Rahmatullah
Director
Tariq Iqbal Khan
Director
Shahid Ahmad
Director
13
INTERNSHIP REPORT
BRANCH NETWORK
Sno
Branch
PABX
Fax
Bahawalpur Branch
2 - Rehman Society, Noor Mahal Road,
92-62-2730691-94
Jehlum Dina Branch

1880 Al-Bilal Plaza, GT Road, DinaDistrict
Jehlum.,
92-54-4636828-32
Jehlum Branch
225/226, Kohinoor Bank Square,
+92-544-624901,
Faisalabad Civil Lines Branch

Bilal Road, Civil Lines, Faisalabad.
92-041-2644481-84
Faisalabad Liaquat Road Branch

3-Liaquat Road, Faisalabad
92-041-2617403-08,
Faisalabad Ghulam Muhammad Abad

39-B, Usman Plaza, Sadar Bazar Ghulam
Muhammad Abad, Faisalabad.
92-041-2691262,
Faisalabad D-Ground Branch

447-D, Peoples Colony, Faisalabad
92-041-8730403,
Gujar Khan Branch

B-111-215-D, Ward No.5, Main G.T. Road,
Gujar Khan.
92-051-3514968, 051- 92-51-3514613
Gujar Khan Branch

Railway Road, Gujar Khan
0513-512403-5
0513-512409
10
Gujranwala Branch
Zia Plaza, G.T. Road, Gujranwala.
92-55-3730301-3
92-55-3730304
11
Gujrat Branch
Noble Furniture Plaza, G.T. Road, Gujrat
92-53-3536781-4
92-53-3524185
12
Islamabad Jinnah Avenue Branch

15-West, Jinnah Avenue,
92-51-2275096-99
92-51-2275095
13
Islammbad F-10 Markaz Branch

2-G, Capital Business Centre, F-10 Markaz,
Islamabad
92-51-2104456-57
92-51-2104459
14
Islamabad F-7 Markaz Branch

92-051-2652386,
Shop No.1, Plot 12-D,Jinnah Super Market,F-7 2652591
Markaz, Islamabad.
92-051-2652665
15
Islamabad I-10 Markaz Branch
92-51-4102117
4
5
6
7
8
Services
92-62-2730695
+92-544-626948
622153
92-41-2644486
111-747-747
92-41-2627809
627808
92-41-2692814
2699162
92-41-8732196
8730443
3514996
92-51-4102105-8
14
INTERNSHIP REPORT
3-G, Munawar Plaza, Markaz I-10, Islamabad

16
Islamabad F-11 Markaz Branch

Plot No. 14, F-11 Markaz, Sector F-11,
Islamabad.
92-51-2228141-4
92-51-2228145
17
Islamabad F-8 Branch

13 Rawal Arcade , Markaz F-8, Islamabad
92-51-2817256
92-51-2817263
18
Jhang Branch
P-10/1/A, Katcheryi Road,Near Session
Chowk, Saddar, Jhang.
92-047-7650650,
92-47-7629545
19
Lahore Thokar Niaz Baig Branch

Jamal Market, Ali Town, Opp.Lahore
University,Thokar Niaz Baig, Raiwind Road
92-42-5304392
20
Lahore Shah Alam Market Branch

92-042-7675503-04,
41 - Alamgir Market,Main Shah Alam Market, 7675619
Lahore.
92-42-7675504
21
Lahore Bedian Road Branch

Bedian Road, Near DHA Phase VI, Lahore
Cantt.
92-42-5720254
92-42-5740237
22
Lahore Urdu Bazar

S-38, R-205-A, Cattle Street,Circular Road,
Urdu Bazar, Lahore
92-42-7314616-20
92-42-7314629
23
Lahore Johar Town

435-G-I, Johar Town, Lahore
92-42-5301392-93
92-42-5301393
24
Lahore Shahdara Branch

G.T.Road, Shahdara, Lahore.
92-42-7902501-508
25
Lahore Ichra Branch

172, Ferozpur Road, Ichra, Lahore.
92-42-7569934-35
92-42-7580488
26
Lahore Walton Cantt, Branch

36-Jinnah Plaza, Main Boulevard Defence
Link DHA Road, Walton Cantt. Lahore
92-42-8550192-
92-42-6604308
Lahore Liberty Market Branch

37-E, III Saeed Alam Tower, Liberty Market,
Gulberg III, Lahore.
92-42-5752108-9,
Lahore Mall Branch

43,Shahrah-e-Quaid-e-Azam, Lahore.
92-042-7314051-54,
27
28
29
7626590
92-42-5314016
8550109
92-42-5750366
5753425
92-42-7236018
111-747-747
Lahore Gulberg Branch

92-042-5755190-94,
95, B-II, M.M. Alam Road, Gulberg-III, Lahore. 5712748
92-042-5755196,
5763406
15
INTERNSHIP REPORT
30
Lahore Defence Branch

136/1, Block-H, Commercial Area Phase-I,
DHA, Lahore Cantt.
92-42-5897712-17
31
Lahore Garden Town Branch

4-Aibak Block, Garden Town, Lahore.
92-42-5889810-24
92-42-5889675
32
Lahore Circular Road Branch

Babar Center, 51, Circular Road, Lahore.
92-42-7673001-6
92-42-7673007
33
Lahore Shalimar Gardens Branch

92-042-6844712-14,
Chowk Shalimar Bagh, Baghbanpura,Lahore. 6844741-43
92-42-6844744
34
Lahore Z-Block, DHA, Branch

Z-10, Street no. 10, Phase III, Lahore Cantt.
92-42-5743741-43
92-42-5743745
35
Lahore Allama Iqbal Town Branch

18-Hunza Block, Main Road, Allama Iqbal
Town, Lahore
92-42-5437006-10
92-42-4537005
36
Lahore Main Boulevard, Gulberg Branch

59-A, Main Boulevard, Gulberg, Lahore.
92-42-5872811-14
92-42-5872815
37
Lahore Model Town Branch

92-42-5884705-7
13-Bank Square Market, Model Town, Lahore.
92-42-5854816
38
Lahore Badami Bagh Branch

1-Taj Chambers, Badami Bagh, Lahore.
92-42-7705536-43
92-42-7705551
39
Lahore Faisal Town Branch

25-D, Main Boulevard, Faisal Town, Lahore
92-42-5201992-7
92-42-5201998
40
Lahore Qartaba Chowk Branch

3 Ferozpur Road, Muzang Chungi, Lahore
92-42-7574680-82
92-42-7574662
41
Lahore Mcleod Road Branch

Usman Plaza, Opposite: Lahore Hotel
92-42-6370024,
92-42-6370041
42
Lahore Upper Mall Branch

309-A Upper Mall, Lahore.
92-042-5715393-95
92-42-5710187
43
Lahore Shadman Branch

11 - A, Shadman 1, Jail Road, Lahore
92-42-7599242
92-42-7599363
44
Lahore Mughalpura Branch

3/15 Jahangir Road, Lal Pul, Near AFC
92-042-6352177-86
45
Lahore Ghazi Chowk

8-A, Awaisia Cooperative Housing Society,
Ghazi Chowk, Link College Road
92-042-5212250-59
46
Lahore Choburji Branch

50, Choburji Branch Lahore
92-042-7568229,
92-042-5897720,
5899794
6370041
92-042-7568226
7568223
16
INTERNSHIP REPORT
47
New Airport Road Branch

Adjoining Divine Mega-II Plaza, New Airport
Road, Cantt
92-42-5745791,
48
Mirpur Branch
Mian Muhammad Road, Opposite Quaid-eAzam Stadium,Mirpur Azad Kashmir
92-58610-45100-3
92-58610-43601
49
Multan Qaddafi Chowk

709-Qaddafi Chowk, Khanewal Road, Near
Daewoo Terminal, Multan
92-61-6784276-81
92-61-6784271
50
Multan Bosan Road Branch

I/A-2, Officers Colony, Bosan Road, Multan
92-61-6214902-13
92-61-6214900
51
Multan Old Bahawalpur Road Branch

129/1, Old Bahawalpur Road, Multan.
92-61-4784491-94
92-61-4784490
52
Okara Branch
Mandi Road
92-44-2551773
92-44-2551774
53
Peshawar Cantt. Branch

Cantonment Plaza, Supermarket,Saddar
Road, Peshawar.
92-91-5270176-78
92-91-5270631
54
Peshawar Hayatabad Branch

S.S./ Royal Plaza, Jamrud RoadHayatabad,
Peshawar.
92-091-5818379,
92-91-5811488
Peshawar City Branch

Tariq Market, New Rampura Gate, Ashraf
Road, Peshawar City
92-091-2593827,
Peshawar University Road Branch

4652-4670, Omer Plaza,
Jahangirabad,University Road, Peshawar.
92-91-5711401-6,
57
Peshawar Khyber Bazar Branch

417-D, outside Bajori Gate,(Shoba Chowk)
Khyber Bazar,Peshawar.
92-91-2219860
92-91-2220471-3
58
Quetta Branch
Shahrah-e-Adalat, Quetta
92-81-2836451-2
92-81-2824834
59
Quetta Fatima Jinnah Road Branch

Yousuf Center, Fatima Jinnah Road, Quetta
92-81-2824807-
92-81-2824834
60
Rahimyar Khan Branch

27- Town Hall opp. City Park
92-68-5889413-15
61
Sadiqabad Branch
+92-68-5702440
Allama Iqbal Road, Sadiqabad District, Rahim
55
56
5730877
5812049
92-91-2591817
2591876
5711409
2824973
92-68-5889420
17
INTERNSHIP REPORT
Yar Khan
62
Rawalpindi Sadiqabad Branch

72 - C, Satellite Town, Sadiqabad Road,
Rawalpindi.
63
Rawalpindi Haider Road Branch

32, Haider Road, Rawalpindi.
92-51-5701018-22
92-51-5525879
64
Rawalpindi Satellite Town Branch

City Shopping Centre, 5th Road, Satellite
Town, Rawalpindi
92-51-4424969-72
92-51-4424962
65
Rawalpindi Rajabazar Branch

92-51-5530661
1-U, Iqbal Road, Fawwara Chowk,Rajabazar,
Rawalpindi.
92-51-5530671
66
Rawalpindi Westridge Branch

RV Arcade, 1193-1196,Peshawar Road,
Rawalpindi
92-51-5468734-36
92-51-5468737
67
Sargodha Branch
University Road, Sargodha.
92-48-9230793-4
92-48-9230792
68
Sialkot Branch
Plot No.B1-16S-98B, 17-Paras Road, Opp.
CC&I, Sialkot
92-432-292501-3
92-432-292444
69
Vehari Branch
47-A, Karkhana Bazar, Vehari.
92-067-3366401,
92-67-3366402
Karachi Main Branch

Faysal House, ST-2, Sharea Faisal
92-21-2795200, 111-
71
Karachi I. I. Chundrigar Road Branch

11/13 Trade Centre
92-21-2638011-20
72
Karachi Clifton Branch

92-21-5863771-73
Quality Heights, K.D.A. Scheme No. 5, Clifton
92-21-5863774-75
73
Karachi Gulshan Branch

B-35, Block 13-A, Main UNiversity Road,
Gulshan-e-Iqbal
92-21-4994260
74
Karachi Jodia Bazar Branch

92-021-2443795,
G-2, Plot No.MR-6/52/1, Ismail Trade Centre, 2444073
Ram Bharti Street, Jodia Bazar
92-21-2444107
75
Karachi Defence Branch

23-C, Phase-VI, Khayaban-e-Shahbaz,
Defence Housing Authority
92-021-5857761,
70
3366491
92-21-2795234
747-747
92-21-4994261-63
92-21-5856053-54
92-21-2637975
5845490
18
INTERNSHIP REPORT
76
Karachi Shaheed-e-Millat Road Branch

Iqbal Arcade, Plot # 6, 3/7 D.M.C. Society,
Shaheed-e-Millat Road
92-21-4388103-7
Karachi North Nazimabad Branch

Plot No. D-6, Block-D, KDA Scheme No.2,
North Nazimabad
92-21-6625517-18
Karachi Shahrah-e-Faisal Branch

Business Avenue Center, Block No.6,
P.E.C.H.S
92-21-4315634-36
Karachi Cloth Market Branch

BR-2, 1/1, Bander Quarters, New Neham
Road, Kharadar
92-021-2439021-22,
Karachi S.I.T.E. Branch

Plot No. B-17, Estate Avenue, S.I.T.E.
92-021-2585921-23,
81
Karachi Mohammad Ali Society Branch

Plot No.2-F (Commercial), M.A.C.H.S.
92-21-4390511-13
92-21-4390515
82
Karachi Korangi Road Branch

Speedy Towers, 129/I & II, Main Korangi
Road, Phase-I, DHA
92-021-5390541-42,
92-21-5805651
83
Karachi New Challi Branch

Abid Chamber, Plot No. SR.6/9, Shahrah-eLiaquat
92-21-2214903-5
92-21-2214907
84
North Karachi Industrial Area Branch

SA-2 (ST 1/1) Sector 12-B, North Karachi
Industrial Area, North Karachi Township
92-021-6957155,
92-21-6924238
77
78
79
80
92-021-4385547,
4388105
92-021-6625578,
6670090
92-021-4315638,
4389437
92-21-2432408
2435923
92-21-2585337
2855918
5391345-47
6958033
85
Karachi Gulshan Chowrangi Branch

92-021-4815319,
Shop No.1-4, Ground Floor, Sana Arcade, Plot 4815308
No.ZC-6, Block No.7, Gulshan-e-Iqbal, KDA
Scheme 24
92-21-4815308
86
Karachi Korangi Industrial Area Branch

92-21-5077191-5
Plot No.51 / 9, Sector 15, Main Road, Korangi
Industrial Area
92-21-5077196
87
Karachi Timber Market Branch

92-21-2745889-95
Plot # 6/2 Old Haji Camp, Siddiq Wahab Road,
Lee Quarters
92-21-2745901
88
Karachi Clifton Block II Branch

B-3 & B-4, Plot No. FLI, Block II, Clifton
92-21-5877921-23
92-21-5877925
89
Karachi Khayaban-e-Mujahid Branch
92-21-5349109-13
92-21-5349114
19
INTERNSHIP REPORT
43-C, Stadium Lane 2, Khayaban-e-Mujahid,

D.H.A. Phase 5
90
Karachi Gulistan-e-Jauhar Branch

Shop # 29 & 30, Rufi Lake Drive, Block 18,
K.D.A. Scheme No. 36, Gulistan-e-Jauhar
91
Karachi D.H.A. Phase IV Branch

92-21-5802422
14-C, Sunset Commercial Street No.2, Phase
IV, D.H.A.
92-21-5802426
92
Karachi Khayaban-e-Tanzeem Branch

14-C, Khayaban-e-Tanzeem, Tauheed
Commercial, DHA Phase V
92-21-5877847
93
Karachi Dhoraji Branch

92-21-4860851-3
Shop no. 4, Lubna Plaza, Plot no. 448, C.P
Berar Co-Operative Housing Society, Dhoraji
92-21-4860856
94
Karachi Nazimabad Branch

92-21-6707418-24
Plot No. 16, Row No.1, Sub Block A, Block-III,
(III-A, 1/16), Nazimabad
92-21-6707425
95
Karachi Saba Avenue

92-21-5245376-9,
Shop No. 2 & 3, Ground Floor, Plot No. 36-C, 5243985
Badar Commercial Street, Street No.6, PhaseV Extension, DHA
92-21-5348929
96
Karachi Khalid Bin Waleed Road Branch

Plot No 89-B, Block-2, P.E.C.H.S
92-21-4302245-51
92-21-4302252
97
Karachi Saddar Branch

Shop No. 10 & 11, Ground Floor, Madina
Centre, Plot Survey No. 31/2, Survey Sheet
No.SB-5, Saddar Bazzar Quarters, Karachi
92-21-5621501-02
98
Karachi Korangi No.2 Branch

Q-14, Ground Floor, Sector 33-1, Korangi
No.2, Korangi Township, Karachi
92-21-5071758-60
92-21-5071128
99
Karachi Gulshan Block 2 Branch

A-287, Ground Floor, Block 2, KDA Scheme
No.24, Gulshan-e-Iqbal, Karachi
92-21-4972673-
92-21-4972416
92-21-4026856-57
92-021-5877908-10
92-21-4026858
4972721
100 Karachi Phase 8 Branch

92-21-5246014 -16
43-C, Al Murtaza Commercial Lane # 4, Phase
VIII, Karachi
92-21-5246013
101 Karachi Apwa Complex Garden Branch

Shop No. SAO 5, Ground Floor, APWA
20
INTERNSHIP REPORT
Complex, Plot No 67-AC, Garden Road

Karachi
102 Kharian Branch
Rizwan Plaza, G.T. Road, Kharian.
92-537-536068-70
92-537-536066
103 Hyderabad Branch

Plot No.339, Main Bohra Bazar,
92-222-2728356-59
92-222-2728360
104 Mingora Branch

1st Floor, Abasin Plaza, Green Chowk
92-946-720001-3
92-946-720004
105 Dera Ghazi Khan Branch

342, Jampur Road, Dera Ghazi Khan
92-642-468769-72
92-642-468775
106 Burewala Branch

95-C, Multan Road, Burewala
92-67-3359331-334
107 Sahiwal Branch

Sarwar Shaheed Road, Sahiwal
92-040-4224060-61
92-040-4224015
108 Mandi Bahauddin Branch

Furniture Point, Railway Road
92-0546-600721-23
92-0546-600385
109 Abbotabad Branch

Main Mansehra Road, Abbotabad
0992-385919-20
0992-385921
21
INTERNSHIP REPORT
FAYSAL BANK LIMITED

RAHIM YAR KHAN BRANCH.
Faysal Bank Limited, an Ithmaar Bank's subsidiary, has a vast network of branches all
over the country. Luckily one of the branches is in Rahim Yar khan at the opposite side
of Town Hall (RYK). Banks building also fascinates the people. FBL is trying its best to
serve its customers in efficient and effective ways.
This branch is Working under the Experienced and Kind hands of Mr. Mian
Muhammad Amjad (Branch Manager) and Mr. Sami Ahmed Khan (Operations
Manager). They are very hardworking and friendly to subordinates. Thats why all the
staff is very efficient and self motivated. Coordination among all people is at highest
level. For better communication a complete system of intercom is also installed within
the bank.
By On line Banking and their products FBL rahim yar khan branch is facilitating its
customers in a better way. ATM facility is free here. WESTERN union service is also
available. To conclude that, during all tenure of my internship I found very good
functioning and environment of the bank.
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PRODUCTS and SERVICES:

We are a progressive bank striving to offer innovative products, easy accessibility,
quality service & convenience to our customers. We offer customized financing
solutions with flexible criteria and convenient loan tenures. You can avail car, home and
personal loans through our various branches. We also offer a host of Corporate &
Investment Banking Services to our clients, which include financial and corporate
advisory services, along with a wide array of tools to help them achieve their goals.
Deposit Accounts
Basic Banking Account
Faysal Bank has introduced the Basic Banking Account (BBA) to cater the needs of low
income groups having the following features.
Features:
Account can be opened with Rs. 1000/.
No requirement for maintaining a minimum balance
Maximum of two free deposits and withdrawals are allowed in a month.
Free of charge statement of account for customers once a year. In case more
statements are required than standard charges would be applicable.
Free ATM transactions on Faysal Bank ATM machines. However charges would
apply on non Faysal Bank ATM machines as per SOC.
Note: Dormant accounts with nil balance for 6 months to be closed as per procedure
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Faysal Sahulat (Pak Rupee Current Account)

Faysal Sahulat is a transactional account specially designed for individuals or business
customers who want instant access to their funds with no restrictions on the number of
transaction.
Features:
Account can be opened with an initial deposit of Rs. 5,000.
Unlimited transaction facilities.
On maintaining an average balance of Rs. 300,000 following additional facilities

are provided.
1. Unlimited cash deposit facility
2. One small locker and one ATM free.
3. 365 Pay orders, 365 Demand Drafts, 365 cheque leaves per year free.
Access to account through on-line banking at all Faysal Bank branches across
Pakistan.
SAVING ACCOUNT:
1-Faysal Moavin Savings Account
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Faysal Moavin is a Savings account made for genuine individual savers like you. Faysal
Moavin offers the perfect combination of savings account matched with the flexibility of
a current account.
Features:
No minimum balance requirement.
No restriction on the number of transactions.
Profit is calculated on monthly average balance.
Profit payment on monthly basis.
Tiered profit structure providing an incentive to save more.
Access to account through on-line banking at all Faysal Bank branches across the
country.
Easy access through cheque book an ATM/Debit card. The ATM/Debit card can
be used at over 2000 ATMs in the country.
Note: Zakat and Govt. taxes are applicable as per law
2-Faysal Premium:
Faysal Premium is a savings account specially designed for high value deposits with
attractive profit rates having the following features.
Features:
Account can be opened with an initial deposit of Rs. 5 million
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Pakistan.
3-Faysal Savings
Faysal Savings is specially designed to cater to your hard earned savings.
Features:
Account can be opened with an initial deposit of Rs. 10,000/.
No restriction on the number of transactions.
Profit payment on six monthly bases.
Pakistan.
Faysal Izafa (TERM DEPOSIT)

At Faysal Bank we realize that every customers financial needs are different. As a
result, the Faysal Izafa Term Deposit is designed to provide individuals and corporate
customers an opportunity to grow their money securely and earn attractive profits.
Features:
Account can be opened with an investment as low as Rs. 25,000/.
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Tenure from one year to five years.
Annual and monthly profit option available.
Financing facility of up to 90% of invested amount.
First cheque book free on investment of Rs. 300,000/ or more.
Faysal Mahfooz Sarmaya

Faysal Bank endeavors to build and strengthen customer relationships by providing
innovative banking products and services. To provide convenience and value to
customers with foreign currency related needs, Faysal Banks Mahfooz Sarmaya foreign
currency account offers attractive features:
Features:
Account can be opened in three major international currencies: US Dollars,

Pound Sterling and Euro.
Minimum balance for opening Mahfooz Sarmaya Foreign Currency Account is

1000 units of the currency in which the account is opened.
Account can be opened in any of the following types:

o
Savings Account
Term Deposit Account
Current Account
With Mahfooz Sarmaya Account, you become eligible for Pak Rupee financing
facility of up to 75 percent of the deposit in your account at very competitive
financing rate.
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With Mahfooz Sarmaya Account, you automatically qualify for special rates for
car and home financing
FCY Saving Plus

FCY Saving Plus is a new foreign currency savings account with attractive profit rates
where customers get their profit on a monthly basis.
Features:
Account can be opened in US Dollars, Pound Sterling and Euro currency.
Minimum balance for opening FCY Saving Plus is 500 units of the currency.
Profit is disbursed on monthly basis.
No FCY cash deposit charges*
On maintaining the monthly average balance equivalent to USD 50k or above,

the following additional facilities are provided.
o
Free online banking*
Priority Banking*
Borrowing in PKR upto 90% of FCY*
Preferential rates on consumer finance*
Rozana Munafa Plus

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To provide the best possible returns for individual, corporate and business customers, the
Rozana Munafa Plus Account offers you the opportunity to earn profit every day and get
your profit every month.
Features:
Account can be opened with an initial deposit of Rs. 100,000/ for individuals and
Rs. 500,000/ for corporate customers.
Pakistan.
Note: Zakat and Govt. taxes are applicable as per law.

Other products which are offered are as follows:
Corporate & Investment Banking
Corporate Financing
SME Finance
Trade Financing
Treasury & Capital Markets
Investment Banking
Agricultural Financing
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Cash Management
Consumer Loans
Car Finance
House Finance
Faysal Finance
Services
Pocket Mate Visa Debit Card
Combining the wide acceptability of a credit card and the thoughtful prudence of an
ATM card, Faysal Bank PocketMate is the most convenient way to carry cash. No more
fear of overspending. No more searching for the nearest ATM. PocketMate Visa Debit
Card provides you with the freedom of world wide acceptability at over 27 million
merchant outlets as an ATM card operative at all ATMs in Pakistan plus at over 1 Million
ATMs worldwide bearing VISA logo.
Travellers Cheques
You may purchase American Express, US Dollar and Pound Sterling Travelers Cheques
at selected branches of Faysal Bank.
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Transfer of Funds
You can deposit and withdraw cash from any branch of Faysal Bank, regardless of which
branch your account is in. You need only to carry your chequebook!
Western Union Service:

Customers who receive money transfers from overseas through the Western Union
service can now withdraw their funds through any Faysal Bank branch
Safe Deposit Lockers

At Faysal Bank, we offer our customers Safe Deposit Lockers in a pleasant and secure
environment. All lockers are discretely placed within the Banks professionally guarded
premises. Lockers are available in three different sizes to suit individual customer needs
at reasonable rentals. Faysal Bank also offers an added insurance feature with locker
Non-stop Banking
All branches of Faysal Bank remain open for business from 9 a.m. to 5 p.m. from
Monday to Thursday and Saturday. On Friday, the bank is open from 9 a.m. to 12.30
p.m. and then again from 3 p.m. to 5 p.m. To suit your needs, we have extended our
banking hours on Saturdays. Now you can enjoy our consistent and quality service from
9 a.m. to 5 p.m.
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VARIOUS DEPARTMANTS OF FAYSAL BANK

LIMITED
1. Customer Service Department

2.
Remittances and Lockers
3. Cash Department
4.
Human Resource Management Department
5. Agricultural Department
6. Credit Administration Department
7. Faysal Financing Department
8. House Financing Department
9. Auto Financing Department
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CUSTOMER SERVICES DEPARTMENT:

In Faysal bank limited RYK branch most of the operations of the bank are handled by
the CS department.
And Operations of FBL are handled by very efficient personnel of FBL which
includes:
1. Siddi Sami Ahmad Khan
2. Syed Rizwan Ali
3. Sumaila Qadir Abbasi
4. Nadia Mehmood
5. Waseem Abbas
Various functions of CS department are as follows:
1. Account opening
2. Deposit slips
3. Issuance of cheque books
4. Issuance of ATM cards
5. Pay Orders
6. Demand Draft
7. Call Deposit
8. Clearing
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1-Formalities of Account opening process:

There are three types of accounts which you can open in the bank:
Current account
Profit & loss saving account
Term deposit
When a client comes to open an account, authorized person of CS is required to inquire

about that what type of account customer wants to open.
After that customer is required to tell about that what should be the nature of his/her
account.
Nature of account can be:
Individual
Joint
Sole proprietorship
Public limited company
Private limited company
Partnership
Trust
Then some information about customer is required on the customer relationship form
(CRF).
Initial deposit for opening a Current account is Rs.5000 and for PLS saving account is
Rs.10000.
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On CRF three customers signatures are required.
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Other attachments with CRF:
Cheque Book Application
Know Your Customer (KYC) Profile
Verification of client by NADRA verification
Letter of Thanks
ATM application (where it is requested)
For Individual Account/Proprietorship
Copy of service card or any other proof of employment
Copy of CNIC
Power of Attorney
Declaration of proprietorship
For Partnership account
Certified copy of Partnership Deed
CNIC copy of partners
Partnership mandate
Attested copy of registration certificate with registrar of firms
Original authority letter of partners favoring persons authorized to operate the

account
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Limited company
Copy of certificate of incorporation
Memorandum & articles of Association
List of directors on prescribed format
Certificate of commencement of business (if required)
Copy of CNIC of Directors
Latest copy of form A-29
Power of Attorney or mandate (if required)
Copy of board Resolution
2-Deposit slips
For online deposits by the clients deposit slips are also filled in the CS department.
3-Issuance of cheque books

Firstly Application for cheque book is to be filled and signed by the client. Number of
Leaves of cheque book is recommended by the client. After forwarding the application,
within a week, a client can get his/her cheque book.
4- Issuance of ATM cards

If a client wants to get an ATM card his application is entertained in the CS department.
5-Pay Orders
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Clients come to get pay orders to make payment within the city. If a client has his
account in the FBL then he is charged Rs. 75 for one Pay Order.
6-Demand Draft:
Clients come to CS department to get demand drafts to make payments outside the city
but in FBL demand draft is not so common. The reason behind this is that the Pay Order
of the FBL is Payable at any branch of FBL so Pay Order itself fulfills the purpose of
Demand Draft.
7-Call Deposits
These deposits are made by the contractors. And these are also handled in the CS
department.
8-Clearings
There are two types of Clearing:
1. Inward Clearing
2. Outward Clearing
Inward Clearing
In inward clearing cheques of FBL are presented in any other bank.
Outward Clearing
In Outward Clearing cheques of other banks are presented in FBL.
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WESTERN UNION
Western union is basically an institute for funds transfer. Some banks arte providing this
service on the behalf of western union and western union pays for this to these banks.
But most of the banks are providing Western Union service only for receiving funds.
Same is the case with Faysal Bank limited.
You can get this service in FBL without opening an account.
Not any charges are deducted for providing this service.
Procedure and Requirements:
A form is given to the customer.
On the form MTCN number is required.
Receivers name and senders name is verified.
Senders identification is also required.
After filling of form verification is made through the system.
Then voucher is made by feeding the data. One copy is with cashier and the other
copy is with the client.
FBL LOCKERS
Basically there are four types of Lockers
Small
Medium
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Large
Extra large
But rahim yar khan branch of FBL is providing only first three types.
Charges for various Lockers:
For Small Locker-----------Rs.1200 per annum
For Medium Locker--------Rs.1750 per annum
For Large Locker-----------Rs.3500 per annum
Despite these annual charges client pays non refundable fee of Rs. 1500 for availing
locker service in FBL.
Formalities:
A SS card (signature Specimen card) is also required to be filled.
Another form is also to be filled on which clients signature and other authorized person
(mentioned by the client himself) on the clients locker is also mentioned.
Insurance for Lockers:
Range of insurance for various lockers is as followed:
For Small Locker-----------Rs.500000
For Medium Locker--------Rs.800000
For Large Locker-----------Rs.1000000
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CASH DEPARTMENT:
Personnel responsible for functioning of this department:
Irfan Bashir
Ghulam Asghar
Javed Iqbal
Functions of cash department:

There are basically three functions of the cash department as described below:
Receipt
Payment
Utility bills collection
Cash types:
There are 7 types of notes in Pakistan. Bank considers some precautions before receiving
these notes. These are as followed:
Sorted cash
Unsorted cash
Soiled cash
Formalities to be considered before receiving cheques:
Cheque should not be crossed.
Name of the Payee is checked.
Validity of the cheque is also considered.
If bearer is cut then it will be considered as Order Cheque. In this case payees
verification is made by getting a copy of his ID card.
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Amount on the cheque is checked both in the form of words and figures.
Cheque should bear two signatures at its back.
Cheque also bears details on its back.
DAMPEN:
These are 6 indicators for cheques:
Date on the cheque
Amount of the cheque
Maker of the cheque
Payee of the cheque
Endorsement of the cheque
Negotiability of the cheque
Some limitations regarding cash department and its functioning:

For cash department there is limit for cash to be held by the department.
Vault Limit is 18 million rupees.
Counter limit for cash in FBL is 2 million rupees.
If cash exceeds than the predefined limit than bank is required to get
for insurance for exceeding amount.
Doors of the Cash department are decoded only by Operations Manager (OM) Mr.
Siddi Sami Ahmed Khan and CS officer Madam Shumaila.
Cashiers power for encashment of cheques is up to Rs.300000 only.
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Human Resources Department

Faysal Bank is a pro-active, people driven organization where the employees are our top
most priority. The Bank not only provides challenging career opportunities but also
excellent training in all areas of banking.
Management Training Programmes
The Management Training Program is a 3 months rigorous course of instruction on all
aspects of banking for young professionals. Our training program is designed to polish
the Management Trainees' knowledge of banking and induce a spirit of professionalism
in them. Based on the MTs performance during the training program, they are placed
within the Bank with their careers on the fast track
In the Faysal bank the environment is formal. Employees do team work & help each
other & very cooperative to each other.
Recruitment: In Faysal bank relies on two channels.
Internal
External
Internal: If employees are competent and can perform well then they are promoted.
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External: Faysal bank also hires competent people from outside. For this purpose they give
advertising on Newspaper & website. Some times hiring is from external and on deposits
base.
Selection: Two type of employees are selected

a) Permanent
b) Temporary
Employees are selected by written test. Those candidates who clear test, they are called
for interview. Then employees are selected. Some times selection is without test & only
on interview bases. In faysal bank employees become permanent after two years.
Orientation: In faysal bank R.Y.K branch no proper orientation takes place. When new employees
come then bank not introduce them with other employees.
Training: In faysal bank training are done when it is necessary.
If training is at micro level then employees go to Multan.
If at macro level then trainer comes in R.Y.K branch.
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Promotion: Promotion is very slow in faysal bank. faysal bank uses grading system.
OG-1
OG-11
OG-111
Few employees are on permanent basis. Most employees work as third party contract.
Dispute & conflict: In faysal bank R.Y.K minimum conflicts are there.
Compensation: a) Attractive working condition: A good physical environment is providing
to employees well furnished and air
condition room is there.

b) Safety working environment: For safety of its assets & employees lives guards are there & cameras on all working
places.
c) Bonus: -
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Faysal bank gives the bonus to the employees.
d) Leaves: In one month two leaves are allowed. In one year 15 leaves are given to the employees.
e) Retirement Plans: By way of the retirement plan faysal bank gives gratuity fund and provided fund to its
permanent employees.
Function & trip: Faysal bank R.K.Y does not arrange the trip. Faysal bank does not arrange the
Function.
Medical Facilities: Faysal bank gives the medical facilities to their employees.
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AGRICULTURE DEPARTMENT:
Personnel responsible for functions of this department are:
Syed Faheem Ahmad
Irfan Muhammad
Muhammad Tariq
Agriculture department is basically providing two types of loans:
Development loan (long term loan)
Production loan (short term loan)
Both basic types of loans are further divided into:
Farm Loan
Non Farm Loan
VARIOUS REQUIREMENTS FOR AGRI. LOAN APPLICATION:

1- Agriculture pass book:
This document is the proof for clients ownership of land. This document carries
pictures, a number issued by government and all details about the client.
2- Cultivation certificate
3- Average sale price for 3 years
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4- A copy of mutation
This is a document by which the client has got the ownership for his land.
5- Two copies of computerized ID card
6- Two passport size photographs of client (in case of shaky signs or thumb impression
we get 4 passport size photographs)
7- We also require 2 references of the client.
8- Another document is required which is called JAMABANDI (Document of rights).
This document is a simple paper with a few details. It shows that land is under
possession of the client.
9- We also require two guarantors and their JAMABANDI, and copies of computerized
ID card.
10- Quotation in case of tractor, tube well and agricultural instruments.
11- Feasibility report (for live stock, and poultry form).
For Urban property (as a security)
12- Title deed
13- NEC (Non Encumbrance Certificate)
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14- Valuation report
15- Authorized map of property
When all documents are with us then we apply for CIB by giving clients no.
All above documents are required from the client but there are also some documents
which are required from the branch itself so that they are fully able to get approval of
loan for their client.
Detail of these documents is as follows.
16- Property evaluation report.
In this document evaluation of the land is made.
17- Credit proposal (CP):
This document has three parts:
a. Recommendation from branch
b. Processing from higher officers
c. Approval
a. Recommendation from branch
In this portion of CP following details are mentioned:
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Legal structure
Nature of proposal
Name and address of the client
Details about Farm sector and Non farm sector
Details about further divisions of Farm sector and Non farm sector i.e.
Development and Production loan
Mark up
General security
Margin
Repayment arrangement
b. Processing from higher officers

c. Approval
18- Farmers credit assessment report:
This document contains all information about the client and all personal information
about the client to see the burden on the client.
There is also information about the land which is presented as the security. E.g.
Cropping pattern of the land
Irrigation
Details about his all assets and liabilities are also mentioned in this document.
19-Visit report by any authorizes person is also attached. And the authorized person in
the FBL is Sir Faheem Gailanee.
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20-Urdu application which bears following details
Information about the production and development loan
Security
Guarantor signs
Income of the client
Information about the units of the land
21- Poultry information report (in case of poultry farm)

22- Tractor and tube well report
23- CIB
24- Local banks credit report
25- Credit report of guarantors
26- Stock report
27- Dairy information report
28- Information sheet for renewal
Some other important information about Agriculture department is as follows:
FBL is offering 3 types of non farm loans:
Dairy Milk animals
Fattening Animals
Pregnant Buffaloes and Cows
For 10 Acres FBL allows RS. 500,000 mean each Acre carries maximum limit of
RS. 500,000.
Loan is of one year maturity and after every 6 months you pay Mark up.
Client can avail Revolving Credit Scheme of SBP.
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CREDIT ADMINISTRATION
DEPARTMENT
Mr. Muhammad Ahmed
Miss Sumaira Irshad
Credit can be dealt by followings:

1. By Credit Marketing
2. By Credit Administration Department
Credit Marketing
Relationship manager deals with the Credit Marketing. Purpose of Credit Marketing is
to deal with following types of loaning and loan category is changed with respect to
amount of loaning.
SME Lending (up to 25 Million Rupees)
Commercial Lending (25 - 250 Million Rupees)
Corporate Lending (Above 250 Million Rupees)
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Further classification of Loan is as followed:

Funded limits
In Funded Limits cash is involved. In these transactions Mark Up is deducted.
Running Finance (RF)
Cash Finance (CF)
Non Funded limits

In Non Funded limits cash is not involved. In these transactions Commission is involved
as compare to Mark Up in Funded Limits.
Letter of credit (LC)

LC usage
LC site
Letter of guarantee (LG)
Non Funded transactions are carried out within the country normally by LG.
CAD (Credit Administration Department) is concerned with three types of
businesses
Sole proprietorship
Partnership
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Private limited
Normally 30% margin is maintained by the bank for its security. Yearly targets are set by
the SBP and the branch itself. And FBL tries its best to meet its standards.
FBL deals with following demands of clients for loaning
Loan for RF (Running Finance)
Loan for CF (Cash Finance)
Facility of LC (Letter of Credit) & LG(Letter of Guarantee)
Procedure
Procedure involved consists of three steps:
1. Pre-sanctioned Formalities
2. Processing for credit
3. Post- sanctioned Formalities
1-Pre-sanctioned Formalities
Before Pre-sanctioned Formalities/Documentations, followings are checked out:
Check Repayment Behavior of the Borrower
Either he is Defaulter or not (Through CIB)
Collaterals for his loan
Authenticity of his business
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Evaluation of pledged security by approved authorities
Working capital requirements are checked
Documentation
BBFS (Borrower Basic Fact Sheet) is required
Property valuation by approved companies
Documents with respect to Firm Type

Business letter head, declaration of Sole proprietor ship
(In case of Sole proprietor ship)
Partnership Deed (in case of Partnership)
Memorandum of Association (in case of Private Limited company)
Directors resolution (in case of Limited company)
Clients CIB
Jamanbandi
Initial legal opinion by the approved lawyer
Financial statements
2-Processing
In processing Approvals by various authorities are involved.
Approval by Relationship Manager (RM)
Approval by Country Head SME (in case of loan up to 25 Million Rupees)
Approval by Country Head for Commercial Loan (in case of loan up to 25 - 250
Million Rupees)
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Approval by Corporate Committee (in case of loan above 250 Million Rupees)
3-Post- sanctioned Formalities

Now CAD starts work.
Firstly Final legal mortgage opinion is obtained then Following documents are required
to be signed by the client.
Charge Documents
Financing agreement
Demand Promissory Note
Personal guarantee
Guarantee by all partners( in case of the partnership)
Letter of Hypothecation (in case of RF)
Letter of pledge (in case of CF)
Facility letter on banks letter head
Debit authority
Basic Functions of CAD:
Disbursement
Adjustments
Mark Up recovery
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Monitoring
Monitoring of Property Documents/Charge documents
Pledge monitoring
Reporting to SB
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PERSONAL or FAYSAL FIANACING

DEPARTMENT:
Personnel responsible for functions of this department are:
Sheikh Moeen Akhtar
Asif Hussain
This loan offering is for two types of categories of clients:

Salaried People
Business People
FBL loaning can also be categorized further like:
Secured
Unsecured
And this loan can be categorized as unsecured up to RS.500000. But if loaning is made
for more than RS.500000 then security is demanded from the client. And residential
property is mortgaged. This department has monthly targets. By fulfilling these targets
employees are entitled to get Bonuses.
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Requirements to apply for personal financing are as follows:

1. FBL finance Application Form
2. One ID card copy of client
3. ID card copies of two references of client
4. CIB
5. Data Check
Address of client
Phone number
Employer (in case of salaried people)
Designation (in case of salaried people)
Previous information about the client
Credit application
6. Verification by NADRA of client including references

7. Verification by Asrem (private) Limited
8. Salary slips (in case of salaried people)
9. One year Bank Statement
10. Two Utility Bills
11. Credit Memorandum
12. Credit Rating Marks Sheet
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When all these requirements are fulfilled then to get approval for loaning to client all
these documents are firstly sent to Regional Head Office in Multan and then in Main
Head Office in Karachi.
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HOUSE FINANCING DEPARTMENT

This department is handled by Mr. Mirza Muhammad Kashif
There are three types of products whish are offered by this department.
These products and their Tenure are given below as follows:
Buy Home (3 to 20 years)
Build A House (3 to 20 years)
Renovation (3 to 20 years)
Business Solution (7 years)
Conditions:
All policies or procedures (also called SOPs standard operating procedures) are
defined by the State Bank of Pakistan but these policies are further renewed by
the concerned bank to facilitate itself in its procedures. According to State Bank
of Pakistan maximum loaning can be 80% in this department and Debt Burden is
acceptable up to 50%. But FBL may decrease and increase this percentage to
facilitate its customers and sometimes to facilitate itself.
IRR is not fixed because it is long term investment. The specific term which is
used to describe and set this interest rate is called KIBOR (Karachi Inter Bank
Offer Rate). Most of the banks renew this rate monthly or quarterly but FBL
renews it yearly.
Property which is pledged against security is non Commercial Property.
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Financing amount: Minimum 1 Million up to 20 Million
In the case when the salary of the client is not sufficient for the loan applied then
a Co-applicant is also required by the FBL just for banks security. This Coapplicant is any blood relation of the client.
Normally 30% margin is kept
In the case of Buy Home

Parties involved:
This product is a little bit risky as compare to other products of this department.
There are generally three parties involved in this type of loaning as it is mentioned
below:
Buyer
Seller &
The bank
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Procedure:
1. When a buyer wants to purchase a house he/she approaches the bank and
demands for loan to purchase this house of his/her own choice.
2. Now FBL (the clients bank) comes in the transaction.
3. Firstly the authorized person of House Financing department visits the house
which a client wants to purchase sometimes Branch Manager himself makes a
visit for Evaluation purposes so that loaning can be processed further.
4. Then a legal advice is got by a lawyer. To know either the property is actually
owned by the seller or not.
5. Then this case is sent to the Regional office to get approval for further processing
of this loan.
6. If case is approved by the head office then Evaluation is made by a company (in
case of the property costing more than 4 million 2 companies are responsible for
evaluation). These companies are also referred by the Head office and their
names are as follows:
EPI
Asrem
Unit-3
Haseeb Associates
7. Now after detailed evaluation of the property file is prepared for the clients loan.
This file carries all the necessary documents.
8. Now file is sent to the Head Office for approval. If there is any observation on
the case then the case is sent back to the bank to meet these observations.
66
INTERNSHIP REPORT
9. At the last FBL gets the PURSARKAR. This is actually the document which is
the evidence that the property has been pledged with the bank.
67
INTERNSHIP REPORT
In step 7 the documents whish are required are as follows:
Free Hold Property Related Documents
Registry
Mutation
Jamabandi
Non Encumbrance Certificate (NEC)
Approved Map
Aks Shijrah
Lease Hold Property Related Documents
Allotment Letter, Ownership certificate
Transfer letter
Possession certificate
Site plan
NOC (Non Objection Certificate)
Business Related Documents
Three years financials
Two years bank statements
Three years Tax Returns
Copy of NTN Certificate
Copy of CNIC
68
INTERNSHIP REPORT
Copy of two references CNIC
Business Letter Pad
Utility Bills latest
Two Photographs
Two Latest Salary Slips for salaried people
One year bank statement for salaried person
The same process is followed in others (Build a House, Renovation & Business
Solution). The difference is just in pledging the security that which is the place that is to
be built or renovated.)
69
INTERNSHIP REPORT
70
INTERNSHIP REPORT
AUTO FINANCING DEPARTMET:

Rana Waqas Anwar
Mian Adnan Khalid
Awais Irshad
Mirza Nauman Baig
Awais Ahmed
Zahid Hussain
Documentation for Auto Financing:

1. Application form
2. CNIC of the client
3. CNICs of 2 references
4. Recent Utility Bill
5. Business Proof
6. Bank statement of one year
7. 2 passport size photographs
8. CIB
9. Data Check
10. NADRA verification of client
11. ASREM verification
12. Debit authority
13. Attested Copy of Partnership deed
14. Down payment cheque
71
INTERNSHIP REPORT
15. quotation
16. six undated security cheques
Here application process is completed
17. Signature verification form
18. Repayment Schedule is provided to the client
19. Client is make aware of Termination Rules
20. BBFS
21. Deviation Memo (lease booking memo)
22. Lease Agreement
23. Approved RA
For any deviations we get approval from the Head Office
Insurance Rules:
5% (with Tracker)
3.5% (without tracker)
IRR
18.5% for 5 years
18% for 3 years
17.5% for 2 years
72
INTERNSHIP REPORT
Financial
Statements
Analysis From
2004-2008
73
INTERNSHIP REPORT
74
INTERNSHIP REPORT
Profit And Loss Account

For The Year Ended 30 December (2004-2008)
Mark Up/ Return

/Interest Earned
Mark Up/ Return
/Interest Expensed
Net Mark Up/
Interest Income
Provision Against Non
Performing Loans And
Advances
Provision For Consumer
Loans-General
Provision For Damnation In
The Value Of Investment
2008
2007
2006
2005
2004
11610781
9877103
6319498
2753451
2074611
7447539
6093210
3309989
1118118
946485
4163242
3783893
3009509
1635333
1128126
1797432
517027
-19026
51609
208097
74537
105305
28082
70799
42897
207075
-792
-318897
Bad Debt Written

Off Directly
Net Mark Up / Interest

Income After Provision
67
-2857
1118
141
2079044
621607
-309841
123526
248278
2084198
3162286
3319350
1511807
879848
744508
604378
581854
397064
251189
1191521
1113132
721804
697499
763697
313597
120992
95451
162444
107473
1070213
330061
609119
572035
1588942
2984
647
-1024
-2607
Non Mark Up/

Interest Income
Fee Commission And
Brokerage Income
Dividend
Income
Dividend Income From
Dealing In Foreign Currencies
Gain On Sale Of
Securities
Unrealized Gain On The Revaluation Of
Investment Classified As Held For
Trading
75
INTERNSHIP REPORT
Other Income
Total Non Mark Up/
Interest Income
43821
447708
947
5050
2554
3366644
2616918
2008151
1831485
2713855
5450842
5779204
5327501
3343292
3593703
2798966
1871250
1428830
1134672
834754
Non Mark Up/

Interest Expenses
Administrative
Expenses
Other
Provisions
6061
Other
Charges
9855
32857
2220
1150
11935
2814882
1904107
1431050
1135822
848431
2635960
3875097
3896451
2207470
2745272
9631
47509
13210
Total Non Mark Up/

Interest Expenses
1742
Extraordinary/
Unusual Items
Share Of Income From
Associates
Net Income Of Fayzan
Manufacturing Modarba(Subsidry)
Profit Before
Taxation
108815
2645591
3922606
4018476
2207470
2745272
Taxation
Current
286688
387620
692215
517588
347889
Prior Years
-48433
93118
-923159
-420394
106443
Deferred
190480
573973
1133282
356806
139596
428735
1054711
902338
454000
593928
2216856
2867895
3116138
1753470
2151344
3294
76878
34700
Profit After
Taxation
Profit Attribute To
Minority Interest
76
INTERNSHIP REPORT
Profit Attribute To
Equity Holders
2213562
2791017
3081438
2216856
2867895
3116138
1753470
77
2151344
INTERNSHIP REPORT
Balance sheet
As on 31 December (2004-2008)
2008
2007
2006
2005
2004
Assets
Cash An Balance With Treasury
Banks
6872032
7207998
6696726
5048400
2866278
Balance With Other Banks
3708451
2883040
2045887
3564030
648660
Lending To Financial Institutions
7078102
4608205
10742841
4417378
872132
Investment
31553108
22525358
23887864
11799904
11218501
Advances
87346401
74468644
62035978
50254634
29626223
Operating Fixed Assets
2514959
2239392
2882441
2369360
1183315
Deferred Tax Assets-Net
160936
Other Assets
2204368
1537764
2371825
1517642
1030352
Total Assets
141277421
115470401
110663562
78971348
47606397
2406927
4516125
1193309
905637
430864
9995855
14965037
15295730
8478048
6529810
Deposits And Other Accounts
101879244
74194279
74595564
56460329
31332172
Sub-Ordinate Loans
Liabilities Against Assets Subject
To Finance Lease
1000000
7827
14664
122549
18434
16404
Deferred Tax Liabilities-Net
2691966
1841651
1269113
166442
Other Liabilities
6951750
5924656
3527023
2294899
1318437
Total Liabilities
124933569
101456412
96003288
68323789
39627685
Share Capital
5296445
4237157
3684484
2912635
2647850
Reserves
3567033
3079527
2516211
2259101
2115989
Unappropriated Profit
1505053
1897574
1938651
1079492
846016
75333
96425
5811357
4664307
6148498
3963204
2368857
141277421
115470401
110663562
78971348
47606397
Liabilities
Bill Payable
Borrowing
Institutions
From
Financial
Minority Interest
Surplus On Revaluation
Assets
Total Liabilities And Equity
Of
78
INTERNSHIP REPORT
79
INTERNSHIP REPORT
COMMON SIZE ANALYSIS

VERTICAL ANALYSIS
Balance sheet
As on 31 December (2004-2008)
2008
2007
2006
2005
2004
Assets
Banks
4.864%
6.242%
6.051%
6.393%
6.021%
2.625%
2.497%
1.849%
4.513%
1.363%
Lending To Financial Institutions
5.010%
3.991%
9.708%
5.594%
1.832%
Investment
22.334%
19.507%
21.586%
14.942%
23.565%
Advances
61.826%
64.492%
56.058%
63.637%
62.232%
1.780%
1.939%
2.605%
3.000%
2.486%
0.000%
0.000%
0.000%
0.000%
0.338%
Other Assets
1.560%
1.332%
2.143%
1.922%
2.164%
Total Assets
100.000%
100.000%
100.000%
100.000%
100.000%
1.704%
3.911%
1.078%
1.147%
0.905%
7.075%
12.960%
13.822%
10.736%
13.716%
72.113%
64.254%
67.408%
71.495%
65.815%
Sub-Ordinate Loans
Liabilities Against Assets Subject
To Finance Lease
0.708%
0.000%
0.000%
0.000%
0.000%
0.006%
0.013%
0.111%
0.023%
0.034%
1.905%
1.595%
1.147%
0.211%
0.000%
Other Liabilities
4.921%
5.131%
3.187%
2.906%
2.769%
Total Liabilities
88.431%
87.864%
86.752%
86.517%
83.240%
Share Capital
3.749%
3.669%
3.329%
3.688%
5.562%
Reserves
2.525%
2.667%
2.274%
2.861%
4.445%
1.065%
1.643%
1.752%
1.367%
1.777%
Minority Interest
0.053%
0.084%
0.000%
0.000%
0.000%
Surplus On Revaluation Of Assets
4.113%
4.039%
5.556%
5.019%
4.976%
100.000%
100.000%
100.000%
100.000%
100.000%
Liabilities
Bill Payable
Borrowing From Financial
Institutions
80
INTERNSHIP REPORT
Profit And Loss Account

For The Year Ended 30 December (2004-2008)
Mark Up/
Return
/Interest
Earned
Mark Up/ Return
/Interest Expensed
Net Mark Up/
Interest
Income
Advances
Provision For
Consumer LoansGeneral
Provision For Damnation
In The Value Of
Investment
Bad Debt
Written Off
Directly
Net Mark Up /
Interest Income
After Provision
Non Mark Up/
Interest
Income
Fee Commission
And Brokerage
Income
Dividend
Income
Dealing In Foreign
Currencies
Gain On Sale
Of Securities
Unrealized Gain On The Revaluation
Of Investment Classified As Held For
2008
2007
2006
2005
2004
523.750%
344.40%
202.80%
157.03%
96.43%
335.951%
212.46%
106.22%
63.77%
44.00%
187.799%
131.94%
96.58%
93.26%
52.44%
81.080%
18.03%
-0.61%
2.94%
9.67%
3.362%
3.67%
0.90%
4.04%
1.99%
9.341%
-0.03%
-10.23%
0.00%
-0.13%
0.000%
0.00%
0.00%
0.06%
0.01%
93.783%
21.67%
-9.94%
7.04%
11.54%
94.016%
110.27%
106.52%
86.22%
40.90%
0.000%
0.00%
0.00%
0.00%
0.00%
33.584%
21.07%
18.67%
22.64%
11.68%
53.748%
38.81%
23.16%
39.78%
35.50%
14.146%
4.22%
3.06%
9.26%
5.00%
48.276%
0.135%
11.51%
0.02%
19.55%
-0.03%
32.62%
-0.15%
73.86%
0.00%
81
INTERNSHIP REPORT
Trading
Other
Income
Total Non Mark Up/
Interest Income
Non Mark Up/
Interest
Expenses
Administrative
Expenses
Other
Provisions
Other
Charges
Total Non Mark Up/
Interest Expenses
Extraordinary/
Unusual Items
Share Of Income
From Associates
Manufacturing
Modarba(Subsidry)
Profit
Before
Taxation
Taxation
Current
Prior Years
Deferred
Profit After
Taxation
Profit Attribute To
Minority Interest
Profit
Attribute To
Equity
Holders
1.977%
15.61%
0.03%
0.29%
0.12%
151.866%
91.25%
64.44%
104.45%
126.15%
245.882%
201.51%
170.96%
190.67%
167.04%
0.000%
0.00%
0.00%
0.00%
0.00%
126.258%
65.25%
45.85%
64.71%
38.80%
0.273%
0.00%
0.00%
0.00%
0.08%
0.445%
1.15%
0.07%
0.07%
0.55%
126.976%
66.39%
45.92%
64.78%
39.44%
118.905%
135.12%
125.04%
125.89%
127.61%
0.000%
0.00%
0.00%
0.00%
0.00%
0.434%
1.66%
0.42%
0.00%
0.00%
0.000%
0.00%
3.49%
0.00%
0.00%
119.340%
136.78%
128.96%
125.89%
127.61%
12.932%
13.52%
22.21%
29.52%
16.17%
-2.185%
3.25%
-29.63%
-23.97%
4.95%
8.592%
20.01%
36.37%
20.35%
6.49%
19.340%
36.78%
28.96%
25.89%
27.61%
100.000%
100.00%
100.00%
100.00%
100.00%
0.149%
2.68%
1.11%
0.00%
0.00%
99.851%
97.32%
98.89%
0.00%
0.00%
100.000%
100.00%
100.00%
100.00%
100.00%
82
INTERNSHIP REPORT
HORIZONTAL ANALYSIS
Balance Sheet
As On December 31st 2004-2008
2008
Assets
Banks
Lending To Financial
Institutions
Investment
Advances
Other Assets
Total Assets
Liabilities
Bill Payable
Borrowing From Financial
Institutions
Sub-Ordinate Loans
Liabilities Against Assets
Subject To Finance Lease
Other Liabilities
Total Liabilities
Share Capital
Reserves
Minority Interest
Surplus On Revaluation Of
Assets
2007
2006
2005
2004
239.755%
571.710%
251.476%
444.461%
233.638%
315.402%
176.131%
549.445%
100.000%
100.000%
811.586%
281.260%
294.828%
212.535%
0.000%
213.943%
296.761%
528.384%
200.788%
251.361%
189.247%
0.000%
149.246%
242.552%
1231.791%
212.933%
209.396%
243.590%
0.000%
230.196%
232.455%
506.503%
105.183%
169.629%
200.231%
0.000%
147.294%
165.884%
100.000%
100.000%
100.000%
100.000%
100.000%
100.000%
100.000%
558.628%
1048.156%
276.957%
210.191%
100.000%
153.080%
325.159%
229.180%
236.799%
234.245%
238.080%
129.836%
180.199%
100.000%
100.000%
47.714%
1617.360%
527.272%
315.268%
200.028%
168.575%
177.899%
78.126%
89.393%
1106.482%
449.370%
256.024%
160.023%
145.536%
224.295%
100.000%
747.068%
762.496%
267.515%
242.263%
139.150%
118.914%
229.151%
112.375%
100.000%
174.062%
172.414%
110.000%
106.763%
127.597%
100.000%
245.323%
296.761%
196.901%
242.552%
259.555%
232.455%
167.304%
165.884%
100.000%
100.000%
100.000%
100.000%
100.000%
100.000%
100.000%
83
INTERNSHIP REPORT
Profit and loss account

For the year ended 30 December (2004-2008)
2008
2007
2006
2005
2004
Mark Up/ Return

/Interest Earned
559.66%
476.09%
304.61%
132.72%
100.00%
Mark Up/ Return

/Interest Expensed
786.86%
643.77%
349.71%
118.13%
100.00%
369.04%
335.41%
266.77%
144.96%
100.00%
863.75%
248.45%
-9.14%
24.80%
100.00%
173.76%
245.48%
65.46%
165.04%
100.00%
Provision For
Damnations In The
Value Of Investment
7247.99%
27.72%
11161.95%
0.00%
100.00%
Bad Debt
Written Off
Directly
0.00%
47.52%
0.00%
792.91%
100.00%
837.39%
250.37%
-124.80%
49.75%
100.00%
236.88%
359.41%
377.26%
171.83%
100.00%
296.39%
240.61%
231.64%
158.07%
100.00%
156.02%
145.76%
94.51%
91.33%
100.00%
291.79%
112.58%
88.81%
151.15%
100.00%
67.35%
20.77%
38.33%
36.00%
100.00%
Net Mark Up/

Interest Income
Advances
Provision For
Consumer LoansGeneral
Net Mark Up /
Interest Income
After Provision
Non Mark Up/
Interest Income
Fee Commission
And Brokerage
Income
Dividend
Income
Dealing In Foreign
Currencies
Gain On Sale Of
Securities
84
INTERNSHIP REPORT
Unrealized Gain On The
Revaluation Of Investment
Classified As Held For Trading
-114.46%
-24.82%
39.28%
100.00%
Other
Income
1715.78%
17529.68%
37.08%
197.73%
100.00%
Total Non Mark Up/

Interest Income
124.05%
96.43%
74.00%
67.49%
100.00%
151.68%
160.81%
148.25%
93.03%
100.00%
335.30%
224.17%
171.17%
135.93%
100.00%
347.93%
0.00%
0.00%
0.00%
100.00%
82.57%
275.30%
18.60%
9.64%
100.00%
331.78%
224.43%
168.67%
133.87%
100.00%
96.02%
141.16%
141.93%
80.41%
100.00%
72.91%
359.64%
100.00%
Non Mark Up/

Interest
Expenses
Administrative
Expenses
Other
Provisions
Other
Charges
Total Non Mark Up/
Interest Expenses
Extraordinary/
Unusual Items
Share Of Income
From Associates
Manufacturing
Modarba(Subsidry)
Profit
Before
Taxation
Taxation
Current
100.00%
96.37%
142.89%
146.38%
80.41%
100.00%
82.41%
111.42%
198.98%
148.78%
100.00%
100.00%
Prior Years
-45.50%
87.48%
-867.28%
394.95%
Deferred
136.45%
411.17%
811.83%
255.60%
100.00%
72.19%
177.58%
151.93%
76.44%
100.00%
103.05%
133.31%
144.85%
81.51%
100.00%
9.49%
221.55%
100.00%
71.84%
90.58%
100.00%
103.05%
133.31%
144.85%
81.51%
100.00%
Profit After
Taxation
Profit Attribute To
Minority Interest
Profit Attribute
To Equity
Holders
85
INTERNSHIP REPORT
86
INTERNSHIP REPORT
RATIO
ANALYSIS
SHORT TERM LIQUIDITY
ANALYSIS
87
INTERNSHIP REPORT
Current Ratio
Years
2004
1.49
CURRENT
RATIO
Current Ratio
2005
2006
1.588
1.48
2007
1.75
2008
2.08
Current Ratio
2.5
2
1.5
1
0.5
0
08
20
07
20
06
20
05
20
20
04
Current
Ratio
YEAR
Current ratio of company in 2008 is 2.08. It means company has Rs. 2.08 current assets
to pay Rs. 1 of current liability. When we see trend it is increasing from 2004 to 2005
and then it decreased in 2006 and then it is again increasing.
88
INTERNSHIP REPORT
Quick Acid Test Ratio

2004
2005
2006
2007
2008
Quick Acid Test Ratio
1.35
1.48
1.37
1.7
2.0
Acid Test Ratio
20
08
20
07
20
06
Quick Acid
Test Ratio
20
05
2.5
2
1.5
1
0.5
0
20
04
ACID TEST RATIO
Years
YEAR
It increased from 2004 to 2005 and then decreased in 2006 and then increased. In 2008 it
is 2. It means company has Rs. 2 of the most liquid assets to pay current liability of Rs.
1
89
INTERNSHIP REPORT
90
INTERNSHIP REPORT
Cash Ratio
2004
2005
2006
2007
2008
Cash Ratio
0.113
0.178
0.121
0.161
0.163
Cash Ratio
0.2
0.15
0.1
0.05
0
20
08
20
07
20
06
20
05
Cash Ratio
20
04
cash ratio
Years
year
It increased from 2004 to 2005 and then decreased in 2006 and then again it has
increasing trend. As compared other years it was high in 2005. It means in 2005
company had more liquid cash to pay current liabilities.
91
INTERNSHIP REPORT
Working Capital
Years
Working Capital
2004
15253891
2005
28367022
2006
35327904
2007
47500530
2008
70308646
Working capital has increasing trend.
92
INTERNSHIP REPORT
PROFITABILITY
ANALYSIS
93
INTERNSHIP REPORT
Net Profit Margin

Years
net profit margin
Net Profit Margin
2004
2005
2006
2007
2008
23.13%
35.70%
35.08%
23.79%
9.15%
Net Profit Margin
20
08
20
07
20
06
20
05
Net Profit Margin

20
04
40.00%
30.00%
20.00%
10.00%
0.00%
year
In 2008 it is 9.15%. It means on Rs.100 company earns Rs 9.15. This ratio decreased in
2008 as compared to previous years.
94
INTERNSHIP REPORT
Operating Profit Margin

Years
2005
2006
2007
2008
123%
70.35%
52.15%
42.97%
37.70%

150%
100%
20
04
50%
0%
20
08
Operating Profit
Margin
20
05
20
06
20
07
margin
operating profit
2004
year
This ratio in year 2008 is 37.70%. It means company generates Rs. 37.70 operating
income on Rs. 100. It decreased as compare to previous years.
95
INTERNSHIP REPORT
Return on Assets
Years
Return on Assets
2004
2005
2006
2007
2008
5.11%
2.78%
3.25%
2.5%
1.77%
Return on Assets
6.00%
4.00%
Return on
Assets
2.00%
0.00%
2004 2005 2006 2007 2008
year
This ratio decreased from 2004 to 2005 and then again it increased in 2006. In 2008 it is
1.77% which means that the company generates Rs. 1.77 on assets of Rs. 100
96
INTERNSHIP REPORT
Return on total Equity

Years
2004
2005
2006
2007
44.22%
29.57%
42.74%
32.67%
2008
23.33%

50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
20
08
20
07
20
06
20
05
20
04
Return on total
Equity
year
It decreased from 2004 to 2005 then it increased in 2006 & then again increased in 2007
& 2008. In 2008 it is 23.33%. It means on Rs. 100 of total equity the return is Rs.23.33.
97
INTERNSHIP REPORT
LONG TERM
DEBT
PAYING
ABILITY
ANALYSIS
98
INTERNSHIP REPORT
Debt Ratio
Years
debt ratio
Debt Ratio
2004
2005
2006
2007
2008
83.24%
86.57%
86.75%
88.05%
88.56%
Debt Ratio
90.00%
88.00%
86.00%
84.00%
82.00%
80.00%
Debt Ratio
2004
2005
2006
2007
2008
year
This ratio has increasing trend. In 2008 is 88.56%. This ratio shows that in
all the years more than 80% assets of the company were financed by
outsiders.
99
INTERNSHIP REPORT
Debt to Equity Ratio

Years
2004
debt to equity
Debt To Equity
Ratio
706%
2005
117.9%
2006
109%
2007
108.9%
2008
119.6%
Debt To Equity Ratio

800%
600%
Debt To Equity
Ratio
400%
200%
0%
2004 2005 2006 2007 2008
year
This ratio is also very high, which means that creditors are not very well
protected. This ratio decreased from 706% in 2004 to 117.9% in 2005. it
again increased to 119.6% in 2008.
100
INTERNSHIP REPORT
ANALYSIS
FOR
INVESTOR
101
INTERNSHIP REPORT
Earning Per Share

Years
2004
2005
2006
2007
2008
Earning Per Share
8.12
6.02
8.33
6.65
4.29
10
8
6
4
2
0
20
08
20
07
20
06
20
05
Earning Per
Share
20
04
Rs
Earning Per Share
year
The earning per share is decreased from 2004 to 2005. In 2006 it is

increased up to Rs. 8.33 & then it decreased in 2007 & 2008. It shows that
earning on a share of common stock has decreased from 2006 to 2008.
102
INTERNSHIP REPORT
Price Earning Ratio

Years
Price Earning Ratio
2004
2005
2006
2007
2008
4.43%
7.23%
8.89%
9.10%
15.35%
Price per Earning Ratio of the company has increasing trend. In 2008 it is
15.53% it means that stock has been selling for about15.53% earnings.
103
INTERNSHIP REPORT
Dividend Payout Ratio

Years
2005
2006
2007
2008
55.42%
74.75%
42.01%
75.19%
58.27%

80
60
40
20
0
20
08
20
07
20
06
20
05
Dividend
Payout Ratio
20
04
percentage
2004
year
This ratio is increasing from 2004 to 2005, decreased in 2006 increased in

2007 and then again decreased in 2008. In 2008 it is 58.27% which means
in 2008 company paid 58.27% as dividend of the earnings per share to the
share holders.
104
INTERNSHIP REPORT
Dividend Yield
Years
percentage
Dividend Yield
2004
2005
12.50%
10.34%
2006
4.72%
2007
2008
8.26%
3.79%
Dividend Yield
15
10
Dividend
Yield
5
0
2004 2005 2006 2007 2008
year
The dividend yield has decreasing trend

when compared with previous year.
105
INTERNSHIP REPORT
Book Value per Share (Rs)

Years
2004
2005
2006
2007
2008
Book Value Per Share(Rs)
21.19
21.46
22.02
21.55
19.53
23
22
21
20
19
18
Book Value Per

Share(Rs)
20
04
20
05
20
06
20
07
20
08
Rs
Book Value Per Share(Rs)
year
It is consistently increasing from 2004 to 2006 because assets of the

company are increasing and then it is decreasing due to the increase in no.
of shares.
106
INTERNSHIP REPORT
SWOT
ANALYSIS
107
INTERNSHIP REPORT
STRENGTHS
FBL has very effective Network of branches all over the country.
FBL has also effective network of ATM all over the country.
Employees are very efficient and self motivated.
It is backed by very strong group.
Client can earn more on his deposits as compare to clients of other banks.
Services of WESTERN union are also provided to the clients.
It has a large contract with JDW.
Refreshment not only for staff but also for their clients.
WEAKNESSES
Most of the hiring is on contract basis.
Promotion is slow.
Salary package is not so much attractive.
Clients of FBL are less in number as compare to its some competitors
Poor HR policies
108
INTERNSHIP REPORT
OPPORTUNITIES
Islamic banking in its real sense is not introduced up till now.
FBL can do some additional efforts to attract clients for more and more deposits.
Now the Account opening process has been centralized. Other functions can also
be made centralized to handle all operations effectively.
Recently it is starting work on a project of Ettehad Sugar Mills. It is a great

opportunity for FBL.
THREATS
Its Acquisition is a threat for its employees.
Turn Over rate is very high.
New incoming local and especially foreign banks are making tough competition
among banks.
Dissatisfaction of staff
109
INTERNSHIP REPORT
CONCLUSION
Faysal Bank Limited, an Ithmaar Bank's subsidiary, has a vast network of
branches and ATM locations all over the country. Rahim Yar Khan Branch of
FBL is working very well and endeavoring to attract more clients and
deposits. During my Internship here I found almost certifiable work in all
departments with good working environment. Efficient staff is its strength.
Though there are also some weaknesses but bank can Excel in its working by
overcoming these weaknesses and improving its HR policies for its most
precious asset that is its Personnel.
110
INTERNSHIP REPORT
SUGGESTIONS
There is low trend of training for employees. So FBL should do more

to train its employees to make them more efficient.
New and intellectual staff should be hired to improve progress.
Employees should be more careful regarding their behavior with

clients
Hiring basis should be on accurate and transparent terms.
Communication between higher and lower management should be

increased.
Regional chief should visit the Branches on Quarterly basis rather

than half yearly basis.
Proper lunch facility should be provided to the employees.
There should be proper check and balance on all working of

employees.
Though already working staff is efficient but Problem of insufficient

staff should be solved regarding some departments.
111
INTERNSHIP REPORT
Limitations
To get information from Website of Faysal Bank limited I found this

site giving error for a lot of time.
There is not separate website of Faysal bank limited Rahim yar khan.
During internship I was not allowed to visit Cash department and view
its functioning internally.
In some departments due to insufficient staff there is a lot of

burden on employees and mostly they have no time to describe in
details about functioning of their departments. That is why we have
to learn on our personal observation and keenness.
We are told not very much about processing
112
INTERNSHIP REPORT
Annexure
113

Faysal Bank

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INTERNSHIP REPORT

The Islamia University of BWP Rahim Yar Khan campus

The Islamia University of BWP Rahim Yar Khan campus

And my teachers who make me clear every

The Islamia University of BWP Rahim Yar Khan campus

Faysal Bank Limited

Faysal Bank Limited.

The Islamia University of BWP Rahim Yar Khan campus

Trading and sales

Retail banking and

The Islamia University of BWP Rahim Yar Khan campus

The Islamia University of BWP Rahim Yar Khan campus

Branch Sales &

The Islamia University of BWP Rahim Yar Khan campus

The Islamia University of BWP Rahim Yar Khan campus

The Islamia University of BWP Rahim Yar Khan campus

The Islamia University of BWP Rahim Yar Khan campus

Corporate Social Responsibility

The Islamia University of BWP Rahim Yar Khan campus

The Islamia University of BWP Rahim Yar Khan campus

Syed Naseem Ahmad

President & Chief Executive

Graham Roderick Walker

Mohammad A.R. Hussain

Mohammad A. Rahman Bucheerei

Tariq Iqbal Khan

The Islamia University of BWP Rahim Yar Khan campus

Jehlum Dina Branch

Faisalabad Civil Lines Branch

Faisalabad Liaquat Road Branch

Faisalabad Ghulam Muhammad Abad

Faisalabad D-Ground Branch

Gujar Khan Branch

92-051-3514968, 051- 92-51-3514613

Gujar Khan Branch

Islamabad Jinnah Avenue Branch

Islammbad F-10 Markaz Branch

Islamabad F-7 Markaz Branch

Islamabad I-10 Markaz Branch

The Islamia University of BWP Rahim Yar Khan campus

3-G, Munawar Plaza, Markaz I-10, Islamabad

Islamabad F-11 Markaz Branch

Islamabad F-8 Branch

Lahore Thokar Niaz Baig Branch

Lahore Shah Alam Market Branch

Lahore Bedian Road Branch

Lahore Urdu Bazar

Lahore Johar Town

Lahore Shahdara Branch

Lahore Ichra Branch

Lahore Walton Cantt, Branch

Lahore Liberty Market Branch

Lahore Mall Branch

Lahore Gulberg Branch

The Islamia University of BWP Rahim Yar Khan campus

Lahore Defence Branch

Lahore Garden Town Branch

Lahore Circular Road Branch

Lahore Shalimar Gardens Branch

Lahore Z-Block, DHA, Branch

Lahore Allama Iqbal Town Branch

Lahore Main Boulevard, Gulberg Branch

Lahore Model Town Branch

Lahore Badami Bagh Branch