BBA(IMS)

Internship treport

NOUMA tTOUHEED
tBE-16-49

BBA(IMS)
 In the Name of ALLAH, the Most
ttt t t t t t t ttttttttttttt

Gracious, the Most Merciful

tttttttttttttttttt t t t
t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t ACKNOWLEDGEMENT

I thave tdone tmy tinternship twith tsuccessfully twithout thelp tof tALLAH tI tcannot tcomplete tthis treport.
tIt tis tgifted tof tAllah tand this tholy tprophet tPBUH twho tgiven tme tsuch tstrength tand tability tto
tperform tthis ttask t.I tam tgrateful tto tmy tparents twho tare talways tsupporting tme tand
tencouragement tin tmy tevery tdesire tfor tthroughout tmy tlife tand ttheir tprayers tare talways twith tme
tand t tdue tto tthe tprayers tlove tand tcare tof tmy tparents tI talways tto tcomplete tmy twork tin tmy tlife
twhich tis tassign tto tme

I tam talso tthank tfull tof tmy tteacher twhose tguidance tis twork tlike ta ttrue ttorch tof tlight t. tI tcannot tbe
table twithout thelp tof tmy tteacher.

I tam talso tthank tfull tto tmy tof tall tstaff tmembers tspecially tsir tawais, t tsir tbadar,sir taneel t

NOUMAN tTOUHEED

BE-16-49

BBA(IMS)

2016 t-2020

IMS,BZU tMULTAN

t
 t t t t t t tEXCUTIVE tSUMMARY tOF tMEEZAN tBANK

On tjanuary t27,1997 tMBL, ta tpublicly tlisted tcompany, twas tincorporated t t tand tIT tstarted

toperations tas tan tinvestment tbank tin t tAugust tthat tyear. tIn tJanuary, t2002 tin ta tcreated

tinitiative, tMeezan tBank twas tgranted tthe tnation’s tfirst tfull-fledged tcommercial tbanking

tlicense tas ta t tdedicated tIslamic tBank, tby tthe tState tBank tof tPakistan. tMBL tis tthelargest

tIslamic tBank tin tPakistan twitha tnetwork tof t201 tbranches tin t54 tcities.In tpreparation tof tthis

tReport tI thave ttried tmy tbest tto tprovide tall tpossible tinformationabout tthe toperation, tfunction

tand ttasks tof tMBL tin tbrief tand tcomprehensive tform. tTher t teport tbegins twith tthe tpurpose tof

tmaking tsuch treport tthan tdetailed tintroduction tof tMBL tdiscussed. tIt talso tincludes

tmanagement tstructure tof tMBL tand tdifferent tproducts tand t tservices toffered tby tMBL talong

twith ttheir tfeatures. tIt talso tincludes ta tbrief tdepartment t tworked tduring tinternship tand tSWOT

tof tMBL. tI thave talso ttried tmy tbest tto tuse tsimple tand teasy twords. t

My tinternship tat tMeezan tbank tNawan tShahar tbranch tstarted ton t19th tJuly t2017 tand tended
ton t31st tAugust t2017. tDuring tmy t6 tweeks tinternship tI tlearned ta tlot tof tpractical tknowledge

tof tbanking tsector. tDuring tthe tcourse tof tinternship tI tlearned tabout tdifferent tfunctions tof

tbank twith ta tfreedom tto task tquestions tand tI tperformed tin tremittance, taccount topening tand

tclearing, tand tonline tfund ttransfer tand tcustomer tservice tdepartment tduring tinternship. t

In tthe tof tinternship tI tbecome taware tform tthe tprocedures tof tbank taccount topening, tZakat
tdeduction, tclearing, tfund ttransfer tand tabout tthe tother tbanking tservices. tIn tthe tMeezan

tBank taccount topening tis tdone tonline twith tlatest tsoftware tT24. tThis tsoftware tprovides trapid

taction ton tevery toperation tdone tin tthe tbank. tAll tinformation tof tnew taccount tholder tis

tinputted tby tBSO tand tmanual tform tfilling tis tvanished tfrom tMeezan tbank. tThis tenables

tofficers tto tdeal tmore tcustomers tand tpeople tcome tto tMeezan tbank tfor tsaving ttheir ttime

tfrom tques. t
During tthe tworking tin tdifferent tdepartments tI tfeel tcomfortable tdue tto tfriendly tenvironment
tof tlearning tprovided tby tmy tofficers tto tme. tAt tthe tend tof tmy tinternship tI tfeel ta tgreat

tdifference tin tmyself tregarding tthe tinformation tand toperations tof tbanking tsystem.

Contents
Chapter tNo.1 ................................................................................................................................................ 7
1.1:Introduction tto tMeezan tBank tLimited ............................................................................................. 7
1.2: tHistory tof tMeezan tbank .................................................................................................................. 7
1.3: tOur tvision.......................................................................................................................................... 9
1.4: tOur tmission....................................................................................................................................... 9
1.5: tOur tgoals........................................................................................................................................... 9
1.6: tSCOPE tOF tTHE tORGANIZATION: ...................................................................................................... 9
1.7: tCULTURE tIN tMBL:........................................................................................................................... 10
Chapter tNo.2 .............................................................................................................................................. 10
2.1:MBL tbanking tservices: ..................................................................................................................... 10
2.2:Opening tdeposit taccounts: .............................................................................................................. 10
2.3:ATM t(ATM): ...................................................................................................................................... 10
2.4: tMaster tCards .................................................................................................................................. 11
2.5:Online tbanking tservices: .................................................................................................................. 11
2.6: tHajj tservices: ................................................................................................................................... 11
2.7: tCharges: ........................................................................................................................................... 11
2.8: tTravel tchecks tof tMeezan tBank tRupee: ........................................................................................ 12
2.9: tZakat tCollection: ............................................................................................................................. 12
3.0:SMS tbanking: .................................................................................................................................... 12
Chapter tno.3............................................................................................................................................... 13
3.1: tOrganization tstructure ................................................................................................................... 13
3.2: tCorporate tInformation ................................................................................................................... 14
3.3: SHAREHOLDING tSTRUCTURE...................................................................................................... 17
3.4: tBranch tInformation ........................................................................................................................ 17
Chapter tNo.4 .............................................................................................................................................. 18
4.1:MBL tProduct tintroduction ............................................................................................................... 18
4.1: tRiba tFree tMeezan tProvidence: ..................................................................................................... 18
 4.2 t:Riba t- tFree tIslamic tinvestment tcertificates:................................................................................. 19
4.3: tFree tmonthly tMusibakah tcertificate tfrom tRiba:.......................................................................... 20
4.4: tRiba tfree tdollar tsavings taccount................................................................................................... 20
4.6: tRiba tFree t- tCurrent taccount ......................................................................................................... 22
4.7: t tCar tIjarah t- tIslamic tauto tfinancing.............................................................................................. 22
Chapter tno.5............................................................................................................................................... 23
5.1:Musharakah: ..................................................................................................................................... 23
5.2: tMudarabah ...................................................................................................................................... 23
5.3:Murabaha: ........................................................................................................................................ 24
5.4:Salam:................................................................................................................................................ 24
5.5: tistisnä .............................................................................................................................................. 24
5.6:Ijarah: ................................................................................................................................................ 24
Chapter tNo.6 .............................................................................................................................................. 25
6.1:Cash tdepartment.............................................................................................................................. 25
Receipts ............................................................................................................................................... 25
Payments............................................................................................................................................. 25
6.2: tOperational tDepartment ................................................................................................................ 26
Clearing ............................................................................................................................................... 26
Remittances ........................................................................................................................................ 27
a) tPay tORDER: .................................................................................................................................... 27
b) tAPPLICATION tDRAFT...................................................................................................................... 28
c) tINTERNAL tCOLLECTION .................................................................................................................. 28
d) texternal tcollection ......................................................................................................................... 28
6.3: tCredit t/ tFinance tDepartment ........................................................................................................ 29
1. tConsumer tfinance .......................................................................................................................... 30
2. tCorporate tbanking ............................................................................................................................. 30
3. tCommercial tbanking tactivity ......................................................................................................... 30
4. tBanking tactivities tfor tSMEs .......................................................................................................... 30
5. tInvestment tbanking ....................................................................................................................... 31
6.4 tBasic taccount topening .................................................................................................................... 37
Chapter tno.7............................................................................................................................................... 39
7.1:Schedule tof tinternship tplan ............................................................................................................ 39
 1st tweek .............................................................................................................................................. 39
2nd tamd t3rd tweek ............................................................................................................................. 40
4th tweek .............................................................................................................................................. 43
5th tweek .............................................................................................................................................. 43
6th t tweek ........................................................................................................................................... 44
Chapter tno.8............................................................................................................................................... 45
8.1:SWOT tANALYSIS ............................................................................................................................... 45
8.2: t tSTRENGHTH tPOINTS...................................................................................................................... 45
8.3: t tWEAKNESS ..................................................................................................................................... 46
8.4: tOPPORTUNITY ................................................................................................................................. 46
8.5: t tTHREATS ........................................................................................................................................ 46
8.6: tANALYSIS tOF tPESTS: ....................................................................................................................... 46
8.7: tpolitical ............................................................................................................................................ 47
8.8: teconomic: ........................................................................................................................................ 47
8.9: tsocial:............................................................................................................................................... 47
8.10: ttechnology:.................................................................................................................................... 47
Chapter tn0.9 ............................................................................................................................................... 48
9.1: tInterpretation .................................................................................................................................. 48
1.Financial tposition ............................................................................................................................ 48
Chapter tno.9............................................................................................................................................... 51
9.1 tAdvising t tto tconcerning tdepartment ............................................................................................. 51
1.Account tdepartment ....................................................................................................................... 51
2.Department tof tcustomer tcare ....................................................................................................... 51
3.Departments tof tbanking toperation ............................................................................................... 51
4.Clearing tdepartment ....................................................................................................................... 52
9. t2: tRecommendation .......................................................................................................................... 52
9.3 tFinal tconclusion ............................................................................................................................... 52
Chapter No.1 t

1.1:Introduction to Meezan Bank Limited

t t t t

tOn tJanuary t27, t1997, tMBL, ta tpublicly ttraded tcompany, tjoined tfor tthe tfirst ttime tin tJanuary

tand tTI twas tan tinvestment tbank tin tAugust tof tthe tsame tyear. tIn tJanuary t2002, ta thistoric

tcompany, tMBL twas testablished tas tthe tfirst tnationwide tcommercial tbanking tlicense tas ta

tdedicated tIslamic tbank, tby tthe tState tBank tof tPakistan.Meezan tBank thas tclearly tbecome

tknown tas tthe tleading tIslamic tbank tin tPakistan twith tthe tlargest tnetwork tof tIslamic tbank

tbranches tin tthe tcountry. tThe tbanking tsector tis tseeing thow tan timportant tmodel tmoves taway

tfrom ttraditional tcommercial tmedia tand tis tserving tan tincreasingly tshrewd tand tdemanding

tfinancial tconsumer, twho tis talso tbecoming tvery taware tof tthe tIslamic tbanking tsystem.

tMeezan tBank ttolerates tthe tfundamental tresponsibility tof tpaving tthe tway tfor tthe tcreation tof

ta tstable tand tdynamic tIslamic tbanking tsystem tfull tof tdynamic tand tcutting-edge tproducts tand

tservices.

During tthe teight tyears tof tits tprocesses tas tan tIslamic tcommercial tbank, tthe tcontribution tof
tuniversal tbanking tservices tto tcustomers, tin tthe thistory tof tthe tPakistani tbanking tsector, tMBL

thas tbeen tone tof tthe tfastest tgrowing tbanks. tThe taverage tannual tgrowth tin tdeposits tof t55%

twas tduring tthis tperiod, twhile tthe tbranch tnetwork tincreased tfrom t4 tto t201. tThe tBank

testablished ta tsolid tand tsincere tmanagement tteam, tcomposed tof texperienced tprofessionals,

twho tachieved ta tsolid tbalance tsheet twith texcellent toperating tprofitability tand tsolid

trelationships, twhich tplaces tthe tBank tat tthe ttop tof tthe tIslamic tbanking tsector. tThe tBank

treceived ta tlong-term trating tof tA t+ twith ta t"stable" tperspective tand ta tshort-term tentity

trating tof tA1

1.2: History of Meezan bank

t t t t

1997:Al-Meezan tInvestment tBank tis tan tinstitution twith tthe tmandate tto tpersecute tthe tIslamic
tbank. tAppointment tof tcousin tIrfan tSiddiqui tand tfounding tCEO.
2002 t:Mirazan tBank tacquires tthe tGeneral tGeneral's toperating tsystem tand tat tthe tsame ttime
tAl tMeezan tInvestment tBank tif tit tbecomes tan tIslamic tcommercial tbank tat tTitno tTitolo. tThe

tIslamic tIslamic tbanking tprize tcomes tfrom tthe tIssued tto tthe tBank tand tthe trenamed tMeezan

tBank. tThe tgeneral tpresident, tPervez tMusharraf, tinaugurated tthe tnew tIslamic tcommercial

tbank tduring ta tformal tceremony tin tKarachi.

2003: tMeezan tBank tis toffered tas ta tpioneer tof tthe tIslamic tbanking tsector tin tPakistan tand
tquickly testablishes tits tbranch tin tall tthe tmajor tcities tof tthe tcountry. tThe trange tof tproducts

tcomes tdeveloped tand tlaunched, tconsolidating tthe tBank's tposition tas tthe tcountry's tmain

tIslamic tbank tAl tMeezan tInvestment tManagement tLimited t(AMIM), tthe tasset tmanagement

tarm tof tMeezan tBank, tpresents tthe tMeezan tIslamic tFund t(MIF), tthe tfirst topening tof tthe

tcountry t-endit tIslam tMutual tFund. tThe tMezan tBank tenjoyed tthe tfirst tcustomer tof tIslamic

tInsurance t(Takaful) tto tsign tthe tfirst tentry tprotocol twith tPak-Kuwait tTakaful tCompany

tLimited t(PKTCL). tThe tsigning tof tthe tprotocol tprotocol tled tto ta tnew tera tof tIslamic tassistance

t(Takaful) tin tPakistan.

2004: tthe tState tBank testablishes ta tdedicated tIslamic tbanking tdepartment t(IBD), tmerging tthe
tIslamic teconomy tdivision tof tthe tresearch tdepartment twith tthe tIslamic tbanking tdivision tof

tthe tbanking tpolicy tdepartment. tA tShariah tcouncil thas tbeen tdesignated tto tregulate tand

tapprove tthe tguidelines tfor tthe temerging tIslamic tbanking tsector. tThe tgovernment tof tPakistan

tgrants tthe tmandate tfor tthe tdebut tof tthe tinternational toffer tSukuk t(Bond) tfor t500 tmillion

tdollars. tThe toffer tis ta tsuccess tand testablishes ta tpoint tof treference tfor tPakistan. tMeezan

tBank tacts tas ta tShariah tstructuring tadvisor tfor tthis ttransaction.

In t2006: ta tnumber tof tnew tIslamic tbanks tare tdedicated, twill tbe theaded tto tBank tIslami tand
tDubai tIslamic tBank, tthe toperation toperations tin tPakistan. tIn t2007 tthe tmanagement tnetwork

tof tthe tMeezan tBank tachieved tthe tgoal tof t100 treviews t(buy tsecondary tprocedures) tin t31

tnational tlive tcities. tCar tIjarah's tportfolio tgot tRs. t4.1 tbillion tand tthe tEasy tHome tportfolio tif tit

tdeals twith tRs. t3.1 tbillion.

2007: tthe tBank's tbranch tnetwork thas treached tthe tgoal tof t100 tbranches. tThe tBank
tintroduced tthe tIstisna tloan tto tmeet tcustomers' tworking tcapital tneeds.

2008: tMeezan tBank tintroduced tthe tTijarah tloan tto tallow tcustomers tto traise tfunds tto tfinance
tstocks tof tfinished tproducts.

2009: tthe tbranch tnetwork treaches t201 tbranches t(including tsecondary tbranches) tin t54 tcities
tacross tthe tcountry.

2010: tThe tBank thas tdeveloped tMeezan tBusiness tPlus, tan taccount tbased ton tMudaraba tthat
toffers ta tvariety tof tfree tservices tfor tcompanies, tEuro tMeezan tsavings taccount tand tMeezan
tPound tsavings taccount. tThe tbank's tbranch tnetwork thas treached t222 tbranches tin t63 tcities

tin tPakistan.

2011: tinauguration tof tthe tnew toffice tin tKarachi. tDuring tthe tyear, t53 tbranches twere topened
tto treach ta tgoal tof t275 tbranches tin t83 tcities tin tPakistan.

2013: tover t350 tbranches tin tover t100 tcities

On t18 tOctober t2014, tthe tBank tacquired tthe toperations tof tHSBC tPakistan. tAfter tthe
tconversion tof tthe tactivities tand tbranches tof tHSBC tPakistan tinto tMeezan tBank; tHSBC

tPakistan taccounts tand ttime tdeposit treceipts t(TDRs) tconverted tinto tMeezan tbank taccounts

tand tIslamic tinvestment tcertificates t(COII).

2016: tMeezan tBank tis tthe teighth tlargest tbank tin tterms tof toperating tnetwork. tMeezan tBank
tand tthe tinvestment tcompany tof tPakistan tand tChina thave tdeveloped ta tstrategic tcooperation

tstrategy tto texploit tthe tCPEC topportunity.

1.3: Our vision

t t

Establish tIslamic tbanks tas tthe tfirst tchoice tbank tto tfacilitate tthe timplementation tof ta tfair
teconomic tsystem, tproviding ta tsolid tfoundation tfor testablishing ta tjust tand tjust tsociety tfor

thumanity.

1.4: Our mission

t t

tBeing ta thigh-level tIslamic tbank, toffering ta tone-stop tshop tfor tinnovative tvalue-added

tproducts tand tservices tto tour tcustomers twithin tthe tlimits tof tSharia, twhile toptimizing tthe

tvalue tof tthe tstakeholders tthrough tan torganizational tculture tbased ton tlearning, tfairness tand

trespect tfor tthe tindividual tcompany tand tperformance.

1.5: Our goals

t t

tDevelop ta tcommitted tservice tculture tthat tguarantees tthe tconstant tdelivery tof tour tproducts

tand tservices twithin tthe thighest tquality tservice tparameters, tpromoting tIslamic tvalues tand

tguaranteeing tthe trecognition tand tquality tbanking texperience tfor tour tcustomers.

1.6: SCOPE OF THE ORGANIZATION:

t t t t

The treach tof tMeezan tBank tis tas twide tas tits tvision tand tmission. tScope tof tthe titem t"The
thighlights tand tcapabilities tthat trepresent tan tobject, tadministration tor tresult". tPurpose tof
tthe tproject t"The twork tthat tmust tbe tpracticed tto ttransmit tan telement, tadministration tor

tresult twith tpredetermined taspects tand tcapabilities".

1.7: CULTURE IN MBL:

t t t

MBL thas tan tauthorized tculture tconducive tto tdevelopment tand tcertainty. tTheir tlifestyle
treflects ta tbenevolent tcondition, tinspiration tand tcooperation tthat tis trealized tas ta tbenefit tto

tthe tassociation. tMBL taccepts tthat ta tsolid tcorporate tculture tmoves tthe tenergy tamong tthe

trepresentatives tin ttheir tbusiness tinitiatives. tTo tachieve ta thigher tlevel tof tbusiness texecution,

tit tis tnecessary tto tinstill tnew tvitality tinto tthe tMBL tcorporate tculture. tWith tthis tactivity, tthe

tcompany thas testablished ta tcorporate tand tbanking tculture tthat tadvances tMBL tin tthe t21st

tcentury.

Chapter No.2 t

2.1:MBL banking services:

t t

There tare tthe tfollowing tservices tthat tthey tare tproviding tto tcustomers tat tthe tMeezan
tNawanShahar tbank tbranch.

2.2:Opening deposit accounts:

t t

Meezan tBank toffers tvarious tdeposit tsystems tthat tadapt tto tdifferent tcategories tof tpeople,
tsuch tas tcurrent taccounts, tsavings taccounts, tcommercial taccounts, tbasic tbank taccounts, ttime

tdeposits tand tdaily tearnings taccounts.

2.3:ATM (ATM): t

Meezan tBank tissues tthe tATM tcard tto tthe taccount tholder twho tis tan teducated tperson tmeans
tthat tthe tcustomer tkeeps tthe taccount twith tthe tsignature. tThe tATM tcannot tbe tissued tto tthe

tphoto taccount towner. tATM tfees tare tRs.700 tper tyear.

2.4: Master Cards:
t t

Based ton tthe tMaster tCard tInternational tlicense, tthe tcustomer twas tthe tholder tof tan taccount
twith tMeezan tBank tto trequest tfrom tMeezan tBank t- tMaster tCard twhich tis tavailable tto tthe

tclient tfor tan tinitial tcommission tof tRs.2000 t/ t- t(Rs.500 t/ t- tregistration t+ tRs.1.500 t/ t- tannual

tfee)

2.5:Online banking services:

t t

All tthe tbranches tare tlive ton ta tdesk. tThese tare tlinked ttogether. tThanks tto tthe tcentralized
tsystem, tthe tcustomer tcan tnow tsend tor treceive tmoney tor tcarry tout ttransactions tin ta tvery

tshort tperiod tof ttime.

2.6: Hajj services:

t t

The tBank tserves tthe tpilgrims twith tthe tintention tof thelping tthem tto tfulfill tthis treligious
tobligation. tMeezan tBank taccepts tHajj's trequests, tcollects tHajj's tdeposits tand tprovides tall

tother trelated tservices.

2.7: Charges:
t

MBL tcollects telectricity, tgas, twater tand ttelephone tbills. tFor tcustomer tconvenience, tinvoices
tcan tbe tpaid tin tcash, tchecks tand tcross tchecks. tMeezan tBank treceives tthe tRs8 tcommission

tper tinvoice tfrom tthe tdepartment tin tquestion.

2.8: Travel checks of Meezan Bank Rupee:
t t t t t t

Bringing tmoney tinto ta tstrange talien tposition tcan tbe trisky, tas ta tsingle tincident tcan tgenerate
tone twithout tmonetary tsupport tof tany tkind. tTherefore, tbanks tintroduce ttravelers tchecks tto

tprotect tthemselves tfrom tunforeseen tcircumstances.

2.9: Zakat Collection:

t t

tZakat tis tcollected tby tthe tcustomer ton tbehalf tof tthe tgovernment tfrom tthe tbank. tZakat tis

tdeducted tfrom tthe tcustomer's taccount twhich tkeeps tthe tbalance tof tmore tthan tRs35000 t/ t=

tin this taccount. tThere tis tno tdeduction tof tZakat tfrom tsavings taccounts. tZakat tis talso tnot

tdeducted tfrom tthe taccount tafter tsending tthe tCZ50 tform, twhich tis tthe tZakat texemption

tform

3.0:SMS banking: t

The tMeezan tBank tNawanshahar tbranch toffers tits tcustomers tthe tpossibility tof tsending tSMS.
tThe tcustomer tcan treceive tthe twarning tmessage tin tevery tdebit tand tcredit ttransaction. tIn tthis

tway, tthe tcustomer twill tbe tupdated twith this taccount. tThe tcosts tfor tthis tservice tare tRs1000

t/ t= tper tyear.
Chapter no.3
t

3.1: Organization structure

t t

ttt
tttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttt
ttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttt
ttttttttttttttttttttttttttttttttttttttttttttttttttttt

3.2: Corporate Information

t t

Board tof tDirectors

tRiyadh tS.A.A.Edrees t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t Chairman

Mr.Faisal tA.A.A.AI-Nassar t Vice tChairman

Irfan tSiddiqui t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tPresident t& tCEO

Mr.Bader tH.A,M.A.AI-Rabiah

Mr.Mansur tKhan

Mr.Mohammad tAbdul tAleem

Ariful tIslam

Rana tAhmed tHumayun

Mohammed tAzzaroog tRajab

Mr.Alaa tA.AI- tSarawi

Management

Irfan tSiddiqui t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tPresident t& tCEO

Ariful tIslam t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tChief tOperating tOfficer

Najmul tHassan t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tGM-Corporate t& tBusiness tDevelopment

Mohammad tShoaib tQureshi t t t t t t t t t t t t t t t t tGM-Commercial tBanking

Shabbir tHamza tKhandwala t t t t t t t t t t t t t t t t t tChief tFinancial tOfficer

Abdul tGhaffar tMemon t t t t t t t t t t t t t t t t t t t t t t t t tRegional tManager t- tSouth

Rizwan tAta t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tRegional tManager t- tCentral

Saleem tKhan t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tRegional tManager t– tNorth

Zia tuI tHassan t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tOperations

Muhammad tHaris t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tCorporate t& tStructured tFinance

Khalid tZaman tKhan t t t t t t t t t t t t t t t t t t t t t t t t t t t tHuman tResources t& tAdministration

Mehnaz tIkram t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tLegal

Faiz-ur-Rehman t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tInformation tTechnology

Munawar tRizvi t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tBranch tExpansion t& tBusiness tPromotion

Muhammad tShoaib tQureshi t t t t t t t t t t t t t t t tConsumer tFinance

Muhammad tAbdullah tAhmed t t t t t t t t t t t t t tTreasury t& tFinancial tInstitutions

Saleem tWafai t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tCompliance

Ebrahim tYakoobInternal tAudit

Mohammad tRaza t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tLiability tProducts t& tService tQuality

Ahmed tAli tSiddiqui t t t t t t t t t t t t t t t t t t t t t t t t t t t t tProduct tDevelopment t& tShariah tCompliance

Omer tSalimullah t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tAlternate tDistribution tChannels

Syed tTariq tHassan t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tRisk tManagement

Syed tAmir tAli t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t tInvestment tBanking

3.3: SHAREHOLDING STRUCTURE t t

SHAREHOLDING Rs. tIn tMillions t t t t t% t

Pakistan tKuwait tInvestment t

Company t(Pvt.) tLtd t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t3,008 t t t t t t t t t t t t t t t t t t t t t t t t t t t30 t

Islamic tDevelopment tBank tJeddah t t t t t t t t t t t t t t t t t t t t t935 t t t t t t t t t t t t t t t t t t t t t t t t t t t t t9.32

Noor tFinancial tInvestment tCo. t t t t t t t t t t t t t t t t t t t t t t t t t t4,924 t t t t t t t t t t t t t t t t t t t t t t t t t t t49.11

Others t t t t t t t t t1,160 t t t t t t t t t t t t t t t t t t t t t t t t t t t11.57

Paid tup tcapital t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t t10,027 100 t%

3.4: Branch Information

t t

Regional tOffice tMultan

Branch tName: tChowk tNawan tShahar t

Address t:Regional tOffice tNawan tShahar,Multan

Bank tcode t0501

Chapter No.4 t

4.1:MBL Product introduction

t t

 Types tof tproducts toffered

 Riba tFree tMeezan tProvidence

 tRiba tFree t- tIslamic tinvestment tcertificates

 Riba tfree t- tMusharakah tmonthly tcertificate

 Riba tFree t- tSavings taccount tin tdollars

 Riba tFree t- tRupiah tsavings taccount

 Riba tFree t- tAccount tverification

 Car tIjarah t- tIslamic tauto tfinancing

4.1: Riba Free Meezan Providence:

t t t t

It tis ta tlong-term tinvestment tproduct tspecially tdesigned tfor tthe tneeds tand tto tmeet tthe
trequirements tof tbusiness tand tcommercial tconcerns tin torder tto tinvest ttheir tpension tfunds,

tpensions tand tbonuses tlike tany tsensitive tand twise tperson twho twishes tto tinvest ttheir

tearnings, tyour tMain tconcerns twould tbe ttotal tsecurity talong twith tthe tbest tpossible treturns,

tespecially tsince tthese tgains tor tfunds tare ta ttrust tof tyour temployees tand tone tthat thas tan

timportant tresponsibility. tMeezan tProvidence tis tbased ton tthe twell-known tand tsolid tfinancial

tstrength tof tMeezan tBank, twhich thas ta tsolid tand tcredible tbalance tsheet twith texcellent

toperating tprofitability, twhich tincludes ta tcapital tadequacy tindex tthat thas tplaced tthe tBank tat

tthe ttop tof tthe tsector.Moreover, tits texcellent ttrack trecord tshows tconstant tand thighly

tcompetitive tadvantages tfor tits twide trange tof tinvestors. tFinally, tthere tis tthe tadvantage tof

ttruly thalal treturns, tan tadvantage tthat tyou tmay tnot thave thad topportunity tto tenjoy tbefore
tand tthat tyou tcan tnow tpass ton tto tyour temployees, tmany tof twhom twould tbe tgrateful tfor

tthat topportunity.

 Main tfeatures tof tMeezan tProvidence

 A t100% tinvestment tin tstrict trespect tof tShariah

 High tprofitability

 Guaranteed tlong-term tsecurity

 tMinimum tinvestment tamount: t1,000,000 tPKR

4.2 :Riba - Free Islamic investment certificates:

t t t t t t

This tinvestment tproduct tis tdesigned tto tmeet tshort tand tlong tterm tneeds. tThe tminimum
tinvestment tis tPKR t50,000 tand tis tavailable tin tperiods tof t3 tand t6 tmonths, t1, t2, t3 tand t5

tyears.Furthermore, tthese tcertificates tcan tbe tcollected tat tany ttime twithout tcharge tor

tpenalty, tonly tthe tprofit trates twill tbe tadjusted tbased ton tthe tcompleted tmandate. tYou tcan

tmake ta tprofit ton tyour tinvestment tas tfollows:

 Mensile tMonthly tallowance tin t1, t2, t3 tand t5 tyears

 tQuarterly tbenefit tin t1, t2, t3 tand t5 tyears.

 tAt tthe tend tof tthe tpayment tof tthe tbenefits tfor tall tthe tparticipations

tIn tRII tFree tCOII, tit tstipulates tthe tMusharakah tagreement twhich tis tstrictly tin taccordance

twith tthe tprinciples tof tthe tIslamic tShariah. tCustomer tdeposits tand tthe tBank's tcontribution

tare tinvested tin ta tgroup tconsisting tof tIjarah tand tMurabaha tfinancing. tThe tprofit t/ tloss tin tthis

tgroup tis tcalculated teach tmonth tbased ton tthe tprofit tsharing tratio tdetermined tby tassigning

tweights. tThese tweights tare tassigned tat tthe tbeginning tof teach tmonth tand tare tdisplayed ton

tthe tbank tnotice tboard tand ton tthe twebsite. tThis tinstallation tis tavailable tduring tthe

tinvestment. tHowever, tearnings twill tonly tbe tpaid tafter tcompleting tone tmonth tof tinvestment.
4.3: Free monthly Musibakah certificate from Riba:
t t t t t t

The tMusharakah tmonthly tcertificates twithout triba tare ta tflexible tinvestment tproduct
tdesigned tto toffer tthe tdepositor ta tmonthly tHalal treturn. tThe tdepositors tparticipate twith tthe

tbank tin tall tthe tinvestments.which tis tcomposed tof tthe tMurabaha tand tIjarah ttransactions.

tThe tminimum tinvestment trequired tis tonly t100,000 tPKR tand tyou treceive tearnings tfor teach

tfull tmonth tof tinvestment twith tthe tbank. tThe tbenefit trate, tthus tcalculated, tapplies tto tall

tinvestments tthat texpire tbetween tthe tperiods tstarting tfrom tthe tsixth tday tof teach tmonth

tuntil tthe tfifth tday tof tthe tfollowing tmonth. tDuring tyour trelationship twith tus, tyou twill tbe

tentitled tto treceive tthe tfollowing tadditional tbenefits.

• tCustom tcheckbooks.

• tThere tare tno trestrictions ton twithdrawals.

• tCall tcenter tfacilities.

• tMonthly tpayment tof tincome ton tyour tcurrent taccount tor tsavings twith tus.

• tFree tbank tbalance tcertificates

• tPersonal tfinancial tadvisory tservices.

• tAccess tto tthe tpriority ttable.

4.4: Riba free dollar savings account

t t t t t

With ta tminimum tof tonly t$ t100, tyou tcan topen ta tdollar tsavings taccount twith tus tunder ta
tMudarabah tagreement tthat tstrictly tcomplies twith tthe tprinciples tof tIslamic tSharia. tThe

treturn tobtained tin tthe tMudarabah tgroup tis tcalculated teach tmonth tand tthe tprofit tratio tfor

tall tinvestors tis tdeclared tat tthe tbeginning tof tthe tmonth. tIf tyou tkeep tan taverage tmonthly

tminimum tbalance tof t$ t500, tyou twill tbe teligible tto treceive tthe trevenue tthat twill tbe tpaid

teach tmonth. tIn taddition tto tthe tfirst-class tservice tand tpersonalized tattention tour tcustomers
tget twhen tthey tcarry tout tbanking ttransactions twith tus, twe toffer tour tcustomers tthe tfollowing

tadditional tcomforts.

• tpersonalized tcheckbooks

• tThere tare tno trestrictions ton twithdrawals tor tthe tnumber tof ttransactions.

• tCall tcenter tfacilities

• tMonthly tpayment tof tprofits

• tFree tbank tbalance tcertificates

• tTake tthe tinstructions tto tstop tthe tpayment.

• tFollow tthe tmail twaiting tinstructions.

• tIssue tof ta tduplicate taccount tstatement.

• tPersonal tfinancial tadvisory tservices.

• tAccess tto tthe tpriority tdesk.

4.5:Rib tFree tRupiah tsavings taccount tRiba

With ta tminimum tof tonly t10,000 tPKR, tthe trupee tsavings taccount tcan tbe topened tbased ton
tthe tmusharakah tagreement. tThe tadvantage tobtained tis tcalculated teach tmonth. tAnd tif tthe

tcustomer tmaintains ta tmonthly tbalance tof t10,000 tPKR, tthe tcustomer tis teligible tfor tthe

trevenue tthat twill tbe tpaid teach tmonth. tHowever, tCOII tcustomers tcan topen tthis taccount twith

tany tminimum tbalance. tThe tcalculation tof tearnings tis tbased ton tthe tage tof tthe tweights tat

tthe tfollowing tlevels:

 PKR tfrom t10,000 tto tPKR t9,999,999

 PKR tfrom t10,000,000 tto tPKR t49,999,999

  From tPKR t50,000,000 tto tPKR t99,999,999

 PKR t100,000,000 tand tabove

4.6: Riba Free - Current account

t t t t t

In tthis ttype tof taccount, tthe tcustomer tcan tdeposit tor twithdraw tmoney tat twill. tTherefore, tit
tis tpossible tto tdeposit tor twithdraw tseveral ttimes ta tday, tas tdesired. tIn tgeneral, tthe tbank

tallows tit tand tthe tservice tcharges tare tdeducted tfrom tthe tbank tfrom tthe tcurrent tdeposit

taccount. tIt toffers tan tadvantage tin tpaying tdebts twith tconvenient tand tsafe tmeans tto tsend

tchecks tby tpost, tthus tavoiding tProblems tand tlosses tThis tbank taccount tis tideal tfor tcompanies

tand tindividuals tseeking tShariah-compliant tbanking tand tease tof taccess. tWith ta tminimum

tamount tof tRs.10,000 tonly, tthis tproduct toffers ta tvariety tof tbenefits tincluding ta tpersonalized

tcheck tservice, tno trestrictions ton ttransaction tamounts, tfree tCall tCenter tservices, tfree tbalance

tcertificates, tpriority tbanking toperations tand tmuch tmore t.

4.7: Car Ijarah - Islamic auto financing

tt t t t t t

Car tIjarah tis tPakistan's tfirst t"interest-free" tcar tloan tbased ton tthe tIslamic tfinancing tof tIjarah
tor tIslamic tleasing. tThis tproduct tis tideal tfor tpeople twith tan taversion tof tinterest, tas tit tseeks

tcar tfinance tthat toffers tthe tcomfort tof ta twell-designed tproduct tand tavoids tan tinterest-based

ttransaction. tCar tIjarah's tfully thalal tcar tfinancing tservice tis tvery tconvenient, twith tfast

tprocessing tand tminimal tdocumentation. tCar tfinancing tthat thas ta tvery tcompetitive tprice,

twithout tproblems tand ttotally thalal. tSince tIjarah tis tbasically tthe ttransfer tof tthe tusufruct tof

tan tasset tto tanother tperson tfor tan tagreed tperiod, tin tan tagreed tconsideration. tAccording tto

tthe tIjarah tcar tagreement, tthe tcar twill tbe tdelivered tto tthe tcustomer tfor tthe tperiod tagreed

tat tthe ttime tof tthe tcontract. tIn tthe tIjarah tcar, tthe tactivity tremains tthe tproperty tand trisk tof

tthe tbank tand tthe tcustomers tonly tpay tthe trents tfor tthe tuse tof tthe tactivity: tas twell tas tthe

trental tof tthe thouse. tThe tproduct tgrew tthroughout tthe tcountry twith ta tportfolio tof tRs t291

tmillion tat tDecember t31 twith texpired tcontracts.

Main tfeatures tof tthe tIjarah tcar

 No tregistration tfee

 tEasy tacquisition tof tany tnew tcar tassembled tlocally

 tWithout tprepayment tinsurance

 tNo trent tin tadvance

 tAvailable tin tperiods tof t3, t4 tand t5 tyears.

 20% tminimum tsecurity tdeposit

Chapter no.5 t

5.1:Musharakah:
Musharakah tindicates ta trelationship testablished tby tvirtue tof ta tjoint tagreement tbetween tthe
tparties tto tshare tprofits tand tlosses tin tthe tjoint tventure. tIt tis tan tagreement tunder twhich tthe

tIslamic tbank tprovides tfunds, twhich tare tmixed twith tthe tfunds tof tthe ttrading tcompany tand

tothers. tAll tcapital tproviders thave tthe tright tto tparticipate tin tthe tmanagement, tbut tare tnot

tnecessarily tobliged tto tdo tso. tThe tgain tis tdistributed tamong tthe tpartners tin tpreviously

tagreed tproportions, twhile tthe tloss tis tsustained tby teach tpartner tin ta tstrictly tproportional

tmanner tto tthe trespective tcapital tcontributions.

5.2: Mudarabah
t

A tform tof tpartnership tin twhich tone tpart tprovides tthe tfunds twhile tthe tother tprovides
texperience tand tmanagement. tThe tlatter tis tknown tas tMudarib. tThe taccumulated tprofits tare
tshared tbetween tthe ttwo tparties tin ta tpreviously tagreed tmanner, twhile tthe tloss tis tborne tby

tthe tcapital tprovider.

5.3:Murabaha:
It tliterally tmeans ta tsale tof tagreed tearnings. tTechnically, tit tis ta tsales tcontract tin twhich tthe
tseller tdeclares this tcosts tand tprofits. tIslamic tbanks thave tadopted tthis tas ta tfinancing tmethod.

tAs ta tfinancing ttechnique, tit timplies ta tclient's trequest tto tthe tbank tto tbuy tcertain tassets tfor

thim. tThe tbank tdoes tthis tto tget ta tfinal tprofit ton tthe tcost, twhich tis tstipulated tin tadvance

5.4:Salam:
Salam tindicates ta tcontract tin twhich tadvance tpayment tis tmade tfor tthe tgoods tthat twill tbe
tdelivered tlater. tThe tseller tundertakes tto tsupply tcertain tspecific tgoods tto tthe tbuyer tat ta

tfuture tdate tin texchange tfor tan tearly tprice tpaid tin tfull tat tthe ttime tof tthe tcontract. tIt tis

tnecessary tthat tthe tquality tof tthe tproduct tto tbe tpurchased tis tcompletely tspecified, twithout

tleaving tambiguities tthat tgenerate tdisputes. tThe tobjects tof tthis tsale tare tgoods tand tcannot

tbe tgold, tsilver tor tcoins. tExcept tthis, tBai? tSalam tcovers talmost teverything, twhich tcan

tcertainly tbe tdescribed tin tterms tof tquantity, tquality tand tworkmanship.

5.5: istisnä
t

It tis ta tcontractual tagreement tfor tthe tmanufacture tof tcommodities tand tbasic tproducts, twhich
tallows tpayment tin tcash tin tadvance tand tfuture tdelivery tor tfuture tpayment tand tfuture

tdelivery.

5.6:Ijarah:
Ijarah tis ta tcontract tof ta tknown tand tproposed tusufruct tin treturn tfor ta trepatriation tor ta tlegal
tconsideration tand tspecified tby tthe tservice tor treturn tfor tthe tbenefit tthat tit tproposes tto ttake,

tor tfor tthe teffort tor twork tthat tit tproposes tto tspend. tIn tother twords, tIjarah tor tlease tis tthe
ttransfer tof tusufruct tfor tconsideration twhich tis tpaid tin tthe tevent tof thiring tgoods tor tgoods

tand tsalary tin tthe tevent tof thiring tpeople

Chapter No.6 t

6.1:Cash department
t

The tcash tdepartment tis tthe tbank's tmost timportant tdepartment. tReceive tmoney tfrom
tcustomers, tthen tdeposit tit tin tcustomer taccounts tand tkeep ttheir tbalances. tThis tis tthe tmost

timportant tand tcritical tdepartment tof ta tbank. tThere tare ttwo tbasic tfunctions tperformed tby

tthe tcash tdepartment.

tReceipts
A tperson twho thas tan taccount twith tthe tBank tcan tdeposit tmoney tinto this taccount. tTo tdeposit
tthe tmoney, tthe tindividual tmust tcomplete tthe treceipt tof tthe tdeposit tin twhich tthe taccount

tholder twrites this tname, taccount tnumber, tamount tof tmoney tboth tin tfigures tand tin twords.

tPayments
The tprocedure tfor tthe tsettlement tof ta tcheck tor tpayment tis tas tfollows. tFirst tof tall, tthe
tcustomer tpresents this tcheck tat tthe tcash tdesk. tThe tcashier trecords tthe taccount tnumber tand

tthe tamount tto tbe twithdrawn. tThen, tthe tcashier tchecks tthe tcheck tnumber ton tthe tcomputer

tto tsee tif tthe taccount tholder thas tan tamount tin this taccount tthat trequires tor tnot. tIf tthe

tcomputer tapproves tthe tcheck, tthe tapproval tofficer tsigns tthe tcheck tand tsends tit tto tthe tcash

tdesk, tthen tthe tcashier tpays tthe tamount twritten tto tthe tcustomer tand tthen, teventually, tthe

tcashier trecords tthe tamount tpaid ton tthe tcomputer.

tThe tfollowing tbooks tare tkept tin tthe tcashier tdepartment.

1. tMOVEMENT tBOOK

When tthe tmoney tis treceived tby tthe tcustomer, tit tis trecorded tin tthe tscroll tbook.

2. tPAY tTHE tBOOK tIN tCASH

The tcashier tenters tthe tcash tbook tat tthe ttime tof tpayment.

3. tCASH tBOOK

The tconsolidated tdata tof tcollections tand tpayments tis trecorded tin tthe tfinancial tstatements

6.2: Operational Department

t t

Functions tperformed:

• tCLEARING

• tREMITENCY

Clearing
In tthe tcompensation tprocess, tif tthe tMBL taccount tholder treceives tthe tcheck tfrom tanother
tbank tsuch tas tCity tBank, tHabib tBank tLimited, tetc. tAnd tsend tit tto tthe tMBL tbranch tto tpick tit

tup. tAt tthe tsame ttime, tthe tcleaning tprocess tbegins. tFirst, tthe tname tof tthe tbank, tthe tnumber

tof tthe tcheck tand tthe tamount tare twritten tin tthe tregister. tAfter tthese tthree ttypes tof tstamps,

tthe tfirst tseal tof tthe tbank's tname tis trequired, tthe tsecond toffset tseal tof tthe tnext tdate tand, tif

tthe tcheck tis tnot tlocal, tthe tlong-distance tclearing tseal tis trequired.

Some tcontrols tare tlocal tand tothers tare tobsolete. tThe tN.I.F.T. tProvide tservices tto tclean tthe
tcheck. tThey tsend tthe tdifferent tcheck tto tdifferent tbanks. tThe tN.I.F.T tservice tis tonly tfound tin

tsome tcities, tsuch tas tKarachi, tLahore tand tRawalpindi. tLong tdistance tcontrol tis tsent tvia

tN.I.F.T. tAnd twhere, tthe tN.I.F.T tservice tis tnot tavailable, tso tthe tcontrol tis tsent tvia tO.B.C
Check tthat tthe tshipment tis tinformed tby ta tconsultation. tNo tchecks tare tgiven, tso tthey tshould
tcome tback tso tthat tRs. t100 tis tdeducted tand tif tthe tcheck tis tlong tdistance, tthe tshipping tcosts

tare tdeducted. tThe tdebit tand tcredit ttest tis tused tfor tthis tpurpose. tWhen tthe tcheck tis

tcanceled, ttoday's tstamp tis trequired. tSome tcontrols tare ttracked tin tMBL. tThis tis tcalled

texternal tcompensation. tThese tchecks twill tbe tentered tin tthe texternal tcompensation tregister.

tAnd tthe tcouncil tis tsent tfor tthe tapproval tof tthe tcontrols. tThe taccount tof tthe taccount tholder

tis tcredited.

• tinternal tclearing

• texternal tclearing

tRemittances

Another timportant tdepartment tin tMBL tis tthe tremittances tdepartment. tThe tremittances
tdepartment ttransfers tfunds tfrom tone tbank tto tanother tand tfrom tone tplace tto tanother.The

tcollection tis tmade tin tthe tremittances tdepartment. tThe tMBA thas tpaid tonly tchecks topen tat

tthe tcounter tand tprohibits tthe tpayment tof tcross tchecks. tMBL ttransfers tmoney tfrom tone

tplace tto tanother tby tthe tfollowing tmeans:

a) tPayment torder

b) tDraft tapplication

c) tInternal tcollection

d) texternal tcollection

a) tPay tORDER:
The tpayment torder tis tan torder tto tpay tmoney, tbut tthis tpayment tmust tbe tmade twithin tthe
tcity. tIn tother twords, tit tcan tbe tsaid tthat tthe tbeneficiary tand tthe tpayer tmust tbe tin ta tcity.

In torder tof tpayment, tpayment tcan tbe tmade tto

A) tcash
B) tclearing

C) tTransfer

b) tAPPLICATION tDRAFT
An torder tto tpay tmoney tto tthe tbeneficiary tresiding toutside tthe tcity. tThe tDD tmay tbe tfor ta
tcustomer twho tmay tor tmay tnot thave tan taccount tat tthe tbank, tbut tthe tother tperson's

taccount tmust tbe theld tat tthe tbank tfor twhich tthe tpayer trequested tthe tDD.

c) tINTERNAL tCOLLECTION
When tthe tbank treceives tchecks tfrom tany tother tbank tfrom tany tbranch tlocated tin tsome
tother tcity, tthey thave ttherefore tbeen treceived tas tinternal tcollections.

d) texternal tcollection
When tthe tbank ttransfers tchecks tfrom tany tother tbank tfrom tits tbranch tto tanother tbranch
tlocated tin tanother tcity, tthen tthose twere ttreated tas tcollections tabroad.

tOTHER tFUNCTIONS tUNDER tTHE tDEPARTMENT tOF tOPERATIONS

a) tLocker

Locker toperations twill tnot tbe tpermitted tunder tthe tpower tof ta tcustomer. tA tcustomer tmay
tbe tasked tto tallow tanother tperson tor tagent tto topen ta tnew tlocker taccount twith tcommon

tnames tand tclose tthe texisting taccount.

When toffering tthis tservice, tbranches tmust tbe tselective tand tmust tprovide tlockers tto
tcustomers twhose tidentity tand tintegrity tare tverified, twho tmust tmaintain tthe taccount tat tthe

tbranch tand thave ta tpotential tfor tdeposits tand tother tbanking tactivities. tWe treiterate tthat tthe

thonesty, tcredibility tand tgood treputation tof tthe tcustomer tare tof tthe tutmost timportance tin

tchoosing tthe tcustomer tfor tthe tlockers.

MAIN tFEATURES:

• tAvailable tin tselected tbranches

• tAvailable tin t3 tsizes t(small, tmedium tand tlarge)

• tFor tall teligible taccount tholders

• tPKR t3000 tkey tsecurity tdeposit

• tProvidence tMeezan tCertificate

• tRupee tsavings taccount

• tLabbaik tSaving tAasaan

• tMeezan tBusiness tPlus

• tAccount tKarobari tMunafa t- tKMA

• tAccount tKarobari tMunafa tPlus t- tKMA t+

6.3: Credit / Finance Department

t t t t

The tbasic tfunction tof tthe tbank tis tto taccept tdeposits tand tlend tmoney tto tthe tborrowers tagainst ta
tdifferential tin torder tto tgive tthe tdepositors tsome tprofit, tas twell tas tobtain tprofits tfor tthe tbank.
tThe tmain tfunction tof tthe tcredit tdepartment tis tto tlend tmoney tto tthe tcustomer. tMBL tlends tmoney
tin tthe tform tof tnet tadvances tagainst tbills, tas twell tas tadvances tguaranteed ton ttangible tand
tnegotiable tsecurities.

Islamic tfunding tfor tthe tfollowing:

• tCorporate

• tSMEs

• tpersonal

tType tof tcustomer tand tproducts toffered tby tMBL tSQD

1. tConsumer tfinance
• tEasy tHome t(home tfinancing)

• tCar tIjara t(car tfinancing)

2. Corporate banking
t t

• tFinancing tof tworking tcapital

• tFinancing tof tprojects tfor texisting tcompanies twith texpansion tor tBMR trequirements

• tIslamic texport trefinancing tservice

• tCommercial tservice

3. tCommercial tbanking tactivity

• tFinancing tof tworking tcapital

• tProject tfinancing, texpansion trequirements tor tBMR

• tIslamic texport trefinancing tservice

• tCommercial tservices

4. tBanking tactivities tfor tSMEs

• tFinancing tof tworking tcapital

• tProject tfinancing, texpansion trequirements tor tBMR

• tIslamic texport trefinancing tservice

• tCommercial tservices
5. tInvestment tbanking
• tSyndications tand tstructured tfinance

• tProject tfinancing

• tFinancial tconsulting tservices

1. tConsumer tfinance

Meezan tBank's tconsumer tfinance toffers tfinancing tsolutions tthat tsatisfy tthe tShariah tfor
tindividuals.

 Car tIjarah t(car tfinancing)

As ta tstep ttowards tthe tmission tof tMeezan tBank tto tprovide ta tone-stop tshop tfor tinnovative
tproducts tthat tsatisfy tsharia twith tadded tvalue, tthe tCar tIjarah tunit tof tMeezan tBank tprovides

tcar tfinancing, tbased ton tthe tprinciples tof tIjarah tand tlacks tthe telement tof tinterest

Car tIjarah tis tPakistan's tfirst tinterest-free tcar tloan tbased ton tthe tIslamic tfinancing tof tIjarah
t(Islamic tleasing). tThis tproduct tis tideal tfor tthose tlooking tfor tcar tfinance tand tavoids tinterest-

based ttransactions.

Auto tIjarah tof tMeezan tBank tis ta tcar trental tcontract, tunder twhich tthe tBank tbuys tthe tcar tand
trents tit tto tthe tcustomer tfor ta tperiod tof t3 tto t5 tyears, tagreed tat tthe ttime tof tthe tcontract.

tAt tthe tend tof tthe tleasing tperiod, tthe tcustomer tobtains townership tof tthe tcar tagainst this

tinitial tsecurity tdeposit.

Main tfeatures tof tthe tIjarah tcar

 • tLow tmonthly trent

• tRent tpaid tafter tdelivery, tnot tin tadvance

• tFaster tprocessing tand tdelivery.

• tTracker toption tavailable

• tMinimum tsecurity tdeposit tof t10% t*

• tAll tnew, tused, tlocal, timported tand tluxury tvehicles tcan tbe tfinanced

 EASY tHOME t(housing tfinancing)

Easy tHome tis tthe tfirst thome tfinance tfacility tfully tcompatible twith tPakistan tSharia!
tOne tthat tis tcomplete, tcheap tand thassle tfree. tAt tMeezan tBank twe tare tcommitted tto

tmeeting tthe tneeds tof tour tcustomers, tin ta tway tthat tis ttruly tin tline twith tSharia tand

texcellence tin tdedicated tservice.

tWith tEasy tHome, tyou tparticipate twith tMeezan tBank tin ta tjoint townership tof tyour

tproperty, twhere tthe tBank twill tprovide ta tcertain tamount tof tfinancing t(generally tup tto

t80%). tAccept ta tmonthly tpayment tto tthe tbank twhose tcomponent tis tfor tthe tuse tof

tthe thouse tand tanother tfor tits tparticipation tin tthe tcapital. tIn teffect, tthe ttotal tmonthly

tpayment tis treduced tregularly tas townership tparticipation tincreases. tAfter tmaking tthe

tentire tinvestment, twhich thad tbeen tagreed, tyou tbecome tthe tsole towner twith ta tfree

tand tclear ttitle tto tthe tproperty.

Buying ta thome tis teasy tand thalal!

Choose tit tand tbe tready tto tmove. tMeezan tBank twill tfinance tup tto t70% t(salary, tSEP,
tNRP) tof tthe testimated tvalue tof tyour tnew thome tor tup tto tRs. t40 tmillion tand ta
 tmaximum tof t60% t(businessman) tup tto ta tvalue tof t5 tmillion trupees twith ta tfinancing

tperiod tof tup tto t20 tyears. tClick there tfor tmore tdetails.

Building ta thouse tis teasy tand thalal!

For tthat tspecial thouse tyou twant tto tbuild. tMeezan tBank tprovides ta tloan tof tup tto t70%
t(paid, tSEP tand tNRP) tof tthe tvaluation tvalue tor tRs. t40 tmillion tand ta tmaximum tof t60%

t(businessman) tup tto ta tvalue tof t5 tmillion trupees tfor ta tmaximum tperiod tof t20 tyears.

2. tCorporate tbanking

We tare tcommitted tto tproviding tShariah-compliant tfunding. tWith tour tbroad tand tdynamic
tproduct tportfolio, twe twork tcontinuously tnot tonly tto timprove tand tstrengthen tour tcustomer

trelationships, tbut talso tto tprovide tnew tand tbetter tproducts tand tservices tto tour tcustomers.

Currently, tCorporate tBanking thas ta tlarge tnumber tof tmultinational tand tlocal tclients
trepresenting tvarious tsectors tof tthe teconomy. tCustomer trelationships tare thandled tby

tdedicated trelationship tmanagers tand tfully tsupported tby tour tbranch tstaff tto tprovide ta thigh

tquality tservice tat tcompetitive tand tmarket-oriented tprices.

We tcould textend tthe tfunding tto tmeet tthe tneeds tof tyour tbusiness tin tthe tfollowing tareas:

• tFinancing tof tworking tcapital

• tFinancing tof tprojects tfor texisting tcompanies twith texpansion tor tBMR trequirements

• tIslamic texport trefinancing tservice

t t t t t t t t t t t t• tCommercial tservices

3.Commercial tbanking tservices

As tthe tfirst tand tlargest tIslamic tbank tin tPakistan, twe trecognize tthe timportance tof tthe
tcommercial tbanking tsector tin tthe tcountry tand tthe tvarious tbusiness tneeds. tMeeting tthe

tneed tfor tShariah-compliant tfinancial tsolutions tin tthis tarea, tour tgrowing tclient tbase tof
tcommercial tbanks tincludes tmedium-sized tindustries, ttraders, timporters, texporters tand

tdistributors.

The tproduct trange tis:

• tFinancing tof tworking tcapital

• tProject tfinancing, texpansion tor tBMR trequirements

• tIslamic texport trefinancing tservice

• tCommercial tservices

Commercial tbanking tcustomers

You tare ta tcommercial tbanking tcustomer tif:

• tAnnual tsales tbilling tis tbetween tRs. t300 tmillion tto tRs. t800 tmillion

• tFunded tand tnot tfunded tups tRs tlines tare tneeded. t150 tmillion

4. tBanking tactivities tfor tSMEs

As tthe tfirst tand tlargest tIslamic tbank tin tPakistan, twe tare tproud tto tprovide tfinancial tsolutions
tfor tthe tneeds tof tthe tsmall tand tmedium-sized tenterprises t(SMEs) tsector tin tthe tcountry.

The tproduct tranges tare:

• tFinancing tof tworking tcapital

• tProject tfinancing, texpansion trequirements tor tBMR

• tIslamic texport trefinancing tservice

• tCommercial tservices

Small tand tMedium tEnterprises t(SMEs)

 You tare ta tcustomer tof tPMI tbanking tif:

• tThe tannual tsales tturnover tis tup tto tRs. t300 tmillion

• tNeeds tlines tthat tare tfinanced tand tnot tfunded tup tto tRs. t75 tmillion

5.Internet tbanking

Meezan tInternet tBanking tis tthe tsmartest tway tto tdo tbanking, tas tit tgives tyou tglobal taccess tto
tyour taccount t24 thours ta tday, t7 tdays ta tweek. tWith tMeezan tInternet tBanking tyou tcan tget

tconvenient tand tsecure taccess tto tthe tfollowing tservices: t-

• Multi-account tbalance trequest t

• See taccount tstatement

• Real-time tverification tof tthe tstatus tand trequest tfor tpayment tsuspension

• tCheck tbook tand tpayment trequest

• Settling tand tmonitoring tthe tstatus tof tcomplaints.

• tAlerts ton taccount tactivity

To tuse tthe tonline tbanking tservices tof tMeezan tBank, tsimply tfollow tthe ttwo-step tregistration
tprocedure tby tcompleting tthe tonline tregistration tform tand tsending ta tpaper tcopy tas ta

tcompensation tform tto tyour tbranch.

6. tATM tnetwork

Meezan tBank toffers ta tvast tnetwork tof tATMs tlocated tin tits tbranches tand tin timportant
texternal toffices. tIt tis tno tlonger tnecessary tto tcarry tmoney; tJust tgo tto tthe tATM tand twithdraw

tcash tanywhere, tanytime. tWe talso toffer taccess tto tover t2,000 tATMs tacross tthe tcountry tvia

tthe t1Link tand tMNET tnetwork.

features

• tTransfer tfunds tbetween tyour taccounts tin tthe tsame tbranch tvia tan tATM.

• tThe tcash twithdrawal tlimit tof tthe tVisa tMeezan tdebit tcard tper tday tis tsubject tto tthe tfunds
tin tthe tselected taccount.
• tYou tcan twithdraw tcash tfrom tthe tATM tof tany tother tbank tmember tof tthe tMNET tor t1Link
tnetwork

7.SMS talerts

Meezan's tSMS talert tservice tsimplifies tyour tlife tand tmakes tit tmore tconvenient tthan tever.

Now tit tis tnot tnecessary tto tcall tor tvisit tthe tbranch tfor tinformation ton tdaily ttransactions.
tOnce tregistered tfor tMeezan's tSMS talert tservice, tyou twill treceive tan tinstant tSMS talert tfrom

tMeezan tBank ton tyour tmobile tphone twhenever tone tof tthe tfollowing ttransactions toccurs tin

tyour tsavings tor tchecking taccounts.

8.Special tbanking tservices

Available tat tselected tbranches, tMeezan tBank's tspecial tbanking tservices tare tpart tof tour
tmission tto tfocus ton tcustomer tcomfort tand tquality tof tservice tand tmake tIslamic tBanking tthe

tbank tof tchoice.

Services tprovided tfrom t9:00 tam tto t5:30 tpm

• tAcceptance tof tcash

• tAcceptance tof tchecks tfor tcollection tand tcompensation

• tAcceptance tof ttransfer tinstructions.

• tAcceptance tof tcheckbook trequests, tpayment torders tand tdraft tapplications.

• tAccept tATMs, tInternet tbanking trequests

Non-resident tPakistani tbanking tbusiness

Welcome tto tthe tnon-resident tPakistani tbank tof tMeezan tBank! tWhere tyou tare timportant tand
tyour texclusive tneeds. tOur tremittance tservices tare tsimple tand treliable. tThey tare tavailable tat

tyour tdoor tthrough textensive tand tefficient tnetworks tof tcorrespondent tbanks taround tthe

tworld. tOnly tthe tworld's tleading tfinancial tinstitutions tform tthis tnetwork tof tcorrespondent

tbanks.

Benefits tof tthe tMeezan thome tshed:

• tFast tremittances tin tthe tmain tcurrencies, tie tUSD, tGBP, tEUR, tJPY, tCHF, tSGD, tAUD

• tWide tnetwork tof tbranches tin tall tmajor tcities tof tPakistan

• tInstant tonline ttransfer twithin tour tbranch tnetwork twithout tcharge

• tFree tInternet tbanking tservice

Customer tservice

Opening tand tclosing taccounts tis ta tfunction tof tcustomer tservice. tBanking tcustomers tinclude
tnatural tpersons t(single tor tjoint tventures), tcompanies t(partnerships t/ towners), tautonomous

tcompanies, tlimited tliability tcompanies, tcharities, tassociations, teducational tinstitutions tor

tlocal tagencies.

The tbrief texplanation tof tthese taccounts tis tas tfollows

Products toffered tby tthis tdepartment:

a) tFree tRupiah tsavings taccount tRiba

• tBank taccount

• tSavings taccount

b) tRiba tsavings taccount tin tfree tdollars

• tAccount twith tforeign tcurrency

6.4 Basic account opening

t t t

The topening tof tthe taccount tis tthe tfirst tand tbasic trelationship testablished tbetween tthe tBank
tand tthe tcustomer. tWhen topening tan taccount, tgreat tcare tmust tbe ttaken tif tthe taccount

topening tdocumentation tis tcomplete.

TYPE tOF tOPEN tACCOUNTS

• tCURRENT

• tSAVINGS

• tDEPOSIT tTERM

6.4.1:Sub-categories tof taccounts

• tMINOR tACCOUNT

• tINDIVIDUAL tACCOUNT

• tCLUB t/ tCOMPANY t/ tASSOCIATION

• tJOINT tACCOUNTS

• tTRUST tACCOUNTS

6.4.2:COMPANY tACCOUNTS

• tSINGLE tOWNER tACCOUNTS

• tCOMPANY tACCOUNT

• tLIMITED tCOMPANY tACCOUNT

• tLITERARY tACCOUNTS t[Photo taccount]

6.4.3: tPROCEDURES tFOR tOPENING tTHE tACCOUNT

Account topening tform

First tof tall, tthe tcustomer tcompletes tthe taccount topening tform twhich tincludes tthe tname,
taddress, tsignature tof tthe tclient tand tthe tsupervisor's tsignature.

introduction

After tasking tthe tclient twhat ttype tof taccount, tcurrency tof tthe taccount the twants tto topen, tthe
tcustomer tcompletes tthe taccount topening tform tand tsigns tit

Account tnumber

After tcompleting tall tthe trequirements, tthe tcustomer tis tassigned tan taccount tnumber tthat tis
tspecial tserial tbased ton tthe ttype tof taccount. tAnd tall tthe tinformation tis tentered ton tthe

tcomputer, tthe taccount tnumber tis twritten ton tthe tSSCard tand tAO tcard.

Deposit tthe tamount tin tan taccount

The tcustomer tdeposits tcash tinto tthe taccount. tCash tpayment tis tused tfor tthis tpurpose. tThe
tminimum trequirement tis tonly t5,000 t/ t-. tThat treceipt tnumber tenters tthe tform.

Account topening trecord

After topening tan taccount, tan tentry tis tinserted tin tthe taccount topening trecord, twhich thas tthe
tfollowing tcolumns:
• tDate

• tAccount tnumber

• tAddress tname

• tTelephone tnumber

• tInitial tdeposit

The tCustomer tService t/ tRelations tManager tinserts tthe tnew taccount topened ton tthe
tcomputer tand talso tthe tSample tSignature tCards tare tscanned tso tthat tevery ttime ta tcheck tof

tthe trespective taccount tis tcollected, tthe tsignatures tcan tbe tverified.

Account tchanges t/ tchanges t/ tgeneral trequest

Mbl toffers tthe tpossibility tto tmodify tthe taccount, ton tcondition tthat tthe taccount tholder tof
tthe tclient trequests tit.

• tChanging tthe tpostal taddress

• tChange tmobile tnumber t/ tcontact

• tChange tof tsignature

• tStop tthe tcheck

• tRequest tfor ta tceque tbook

• tRelease tthe tpayment tinterruption tof tthe tcheck

Chapter no.7 t

7.1:Schedule of internship plan

t t t

1st tweek
During tthe tfirst tweek tI tobserved tvarious tactivities tand tdifferent tdepartment tof tbank.

In tthe tbank tlike t

  Marketing
 It tdepartment
 Finace tdepartment
 Operation tmanagement

I tlearnt tabout tbenefits tof tbank tand tadvantages tof tbank tand tfuction tand tpractical tperformance tof
tdepartments

The t2nd tday tof tfirst tweek tbank toffices tdelivered tthe tlecture tabout triba tand tits ttypes

 Riba tof tal tNasiah

 Riba tal tfadi

 He ttold tabout tmain telement tbasic tmode tof tfinancing tin twhich tmudaraba tand tmusharaka
tlies
 I tcaptured tabout tqualities tand tprocessing tof tmudaraba tand tmusharaka
 The tI twent tto taccount tdepartment tto tget tknowledge tabout trespective tdepartment
 I tgot tabout tIBTDR t(ISLAMIC tBANK tTERM tDEPOSITE tAND tRECEIPTS) tand tthe tmeaning tof tits
tfunction tBasically tIBTDR tinvolves
 Saving tDeposite taccount
 Term tdeposite taccount
 I tlearnt tabout tvarious tkind tof taccount tlike tMBA(meezan tbachat taccount)KMA( tkarobari
tmeezan taccount) tetc tThese tare tmudrah tbase tproducts
 I tgot tabout tabout trates tof taccount tand tproceesing tabout taccount tand tCDR tand tits tpurpose

2nd tamd t3rd tweek

n tnthis tweek tsir tgave tlecture tabout tbank tand tits tdifferent tfunction tad tI tknew tthe tbasic tpractical
twork tin tthe tbank

First tof tall tI tdid tmy twork tin taccount topening tdepartment tin twhich tI tknew thow tand taccount tcan tbe
topen tin ta tbank tand twhich tdocuments tare trequired tin topening taccount tand thow tmany ttypes tof
taccount tare tused tin tbank tas t

 Single
 Joint tpersonal
 Sole tproprietorship

The tformalities tof topening tof tthses tkinds tof taccount tare t

 Select tthe tnature tof taccount

 Attested tphoto tof tapplicant
 Permanent taddressed
 Cnic tcopy
 Occupation
  Reference tof tany tperson twhose taccount tis tthere tother trequired tof taccount tis tfilled ton tthe
tchoice tof tapplicant

The tsignature tare tdone tas twell tas tspicemen tsignature tcard tfrom tthe tsignature twill tbe tscanned tas ta
trecord tIn tcomputer

 Partenship
 Limited tcompany
 Clubs
 Trus
 Asssocitaion tetc

The trequirements tto topen tthese ttypes tof ta t/ tc tare

For tthe tassociation

• tCertified tphotocopy tof tthe tCNIC tof tall tpartners.

• tCertified tcopy tof tthe tdeed tof tincorporation tduly tsigned tby tall tcompany tpartners.

• tCertified tcopy tof tthe tregistration tcertificate twith tregistration tof tthe tsignature. tIn tthe tevent tthat
tthe tassociation tis tnot tregistered, tthis tfact tmust tbe tclearly tindicated tin tthe tform tof topening tof ta t/
tc

• tAuthorization tletter, tin toriginal, tin tfavor tof tthe tperson tauthorized tto toperate tin tthe tair-
conditioning tof tthe tcompany.

For tjoint tstock tcompanies

• tResolution tof tthe tBoard tof tDirectors tfor tthe topening tof ta t/ tc tspecifying tthe tpersons tauthorized
tto tmanage tthe tcompany ta t/ tc

• tMemorandum tand tarticles tof tassociation.

• tCertificate tof tincorporation

• tCertificate tof tbusiness tstart

• tCNIC tcertified tphotocopies tof tall tdirectors

• tList tof tdirectors tof tmodule t29 tissued tby tthe tregistrar
For tclubs, tcompanies tand tassociations

• tCopies tof tthe tcertificates tof tthe tStatute t/ tof tthe trules tand tregulations tof tthe tregistration
tcertificate

• tThe tresolution tof tthe texecutive tbody t/ texecutive tcommittee tfor tthe topening tof tan ta t/ tc thas
tauthorized tthe tperson tto tmanage tthe ta t/ tc tand tthe tcertified tcopy tof tthe tCNIC tof tthe tauthorized
tperson tor tpersons

• tAs tan tagreement tsigned tby tall tauthorized tpersons ton tbehalf tof tthe tinstitution, tmentioning tthat
twhen ta tchange toccurs tin tthe tpersons tauthorized tto toperate tin tthe tair tconditioning, tthe tbanker twill
tbe timmediately tinformed.

For tagents ta t/ tc

• tProxy tcertificate

• tCertified tphotocopy tof tthe tagent's tCNIC.

The tmost ttough ttask tin tbank tof ta tcommon tman tcitizen tto tits topen taccount tin tany tbank tas tsaid tto
tsir tawais

Two tapplicant tform tare tfilled tinfront tof tme. tIt ttook ttoo tmuch ttime tto tcollect tinformation tfrom
tapplicant

 I tfilled tup tsome tform tfor tpractice

 And tgot tabout tthe tform trequirements
 I tknew tabout thow tto tcompose t tthe tletter tof tthanks t tand tsent tto tcustomer t
 I tsaw tabout tvarious ttypes tof tstamps tfor tthe topening taccounts
4th tweek
 I tstared tmy t4th tweek twith tdaily tlecture tof tbank toffices twho tis tthe thead tof tinternship tof
tmeezan tbank
 I tgot tabout trule tof tstate tbank tPakistan tin tPakistan teconomy tfrom tlecture
 Sir ttold tus thow tfill tfor tatm tcard tform tand tuses tof tcard tand ttold tabout tdifferent ttypes tof
tatm tcard tJust tlike tsilver t,gold tetc

And t tlearnt tabout tdifferent tinformation tabout tatm tcards tjust tlike tatm tpin tissuance, ttransfer tof
tmoney tand tuse tof tatm tcard

Then tlearnt tabout tthe tatm tcash treplenished

5th tweek
In tthe t t5th tweek tI tdid tsome twork twhich thas tto tcomplete tfrom tte tperious tweek ts tobservation tand
tI tknew tabout t tinward tand toutward tclearing ttransaction tamd tI tknew thow tto twrite tchecks tand
ttransction trecord tbooks tbanks tI tlearnt tto tdeduct tto tretrn tcfrom tall tthe tchecks

I tknew tpay tordering tthe trecord tbook tand tlearnt tabout temploys

Then tI tstarted twork tagain t t tin taccount tdepartments tand toffices thandle tthe tother twork tremiitence
tdepartment

I tlearned tabout tPAY tORDER tand tDEMAND tDRAFT. tHe ttold tus tthe tdifference tbetween tPay tOrder tand
tDD.

• tI talso tlearned tabout tthe tprocedure. tI talso tsaw tthe tcheck tof tthe tpayment torder tand tknew tits
tattributes.

• tBut tthe tDD twas tnot tcreated tin tthe tSahiwal tBranch. tBut tsometimes, tif tnecessary, tthey tsucceeded.
tBut tmost tpayment torders tare tmade tand talso tsent tto tother tcities. tOnly tMeezan tBank toffers tthis
tpayment torder topportunity teven tfor tout-of-town tshipments.

• tI talso tlearned tabout tthe tinstallation tof tLOCKERS tand tits tfunctions.

• tThe tlockers thave t3 ttypes:

Small tlockers

Medium tcabinets

Big tlockers
• tThe tofficer tcommunicated this tduties tand taccusations tto tus tand tI tknew thow tto tkeep tthe tlocker
tand twhat tdocuments tare tneeded tto tget tthe tlocker. tThe tcabinets tare tfireproof.

I tattended tthe tweekly tmeeting tof tthe tbank's tdirector twith temployees tand tattended tthe tconference
ton tthe tmodern tform tof tbanking tactivity tprovided tby tthe tbank's tdirector tfor tbranch tsuccess.

6th t tweek

I tstarted tmy tday twith tthe tdaily tconference tand tthe tgeneral tdiscussion ton tbanking tand tthe tscope tof
tbanking tactivity tin tPakistan tin tthe tcoming tyears.

• tI treviewed tall tthe tfiles tin taccordance twith tthe taccount topening tdepartments tand teliminated tany
tconfusion trelated tto tthat tdepartment tthrough twhich tI tgot twork tin tthat tfield.

• tI texpressed tmy topinion tas tan tintern ton tthe tbank's tenvironment tand ton tmy twork texperience tin
tthat tdepartment.

• tI tstarted tmy tday twith tthe tdaily tbanking tconference.

• tI tthen twent tto tthe tACCOUNT tDEPARTMENT tand tstarted tmy twork. tFirst tof tall, tI tdeleted tall tmy
tconfusion ton tthe tabove ttopics tand tthen tstarted tto tlearn tmore.

• tI tlearned tabout tthe tFTT t(Foreign tTelegraphy tTransfer) talso tknown tas ta tSWIFT tmessage.

• tIn tit the twas table tto tobtain tand tsend tmoney tto tand tfrom tforeign tcountries.

• tHe ttold tus tabout this tprocedure tand tfunction. tHe tknew thow tto tcreate tthe tmessage tand twhat
tsources tare tused tfor tit.

• tThen tI tlearned tabout tALERTS tSMS. tHe ttold tus tabout this trole tand tI tknew twhat tinformation tis
tneeded tfor tactivation tand twhat tinformation the tprovides tto tthe tcustomer tvia tSMS.

• tI tlearned twhat tlocal tpublishing tand tonline ttransfer tare tand thow tthey tare tperformed.

• tThen tI tlearned twhat tStop tPayment tis tand thow tit tworks tand twhat tits tterms tand tconditions tare.

• tI tknew twhat tthe taccount tclosing twas, twhat tare tits tprocedures tto tclose tit tand twhat tare tthe
tcharges trequired.
• tThen tI tsaw tthe tform tfor tthe tdaily tpublication tof taccounts tand titems tof texpenditure. tAnd tI tknew
tthe treason tfor tentering.

Chapter no.8 t

8.1:SWOT ANALYSIS t

Since tMeezan tBank tis ta tquality torganization, tit tis tcommitted tto tproviding tquality tto tall tits
tstakeholders, tcustomers, temployees tand tthe tenvironment. tIn tPakistan, tit toperates tin ta tvery

tunstable teconomic tand tpolitical tcontext. tI tsummarized tits tmain tstrengths, tweaknesses,

topportunities tand tthreats tin tthe tfollowing tparagraphs.

8.2: STRENGHTH POINTS

tt t

• tMBL thas tthe tprivilege tof tbeing tthe tfirst tin tthe tIslamic tbanking tsector, twhich tgives tMBL ta
tcompetitive tadvantage tover tall tother tbanks tand tbeing tthe tpioneer tof tthis tsector, tMBL

tenjoys ta tsignificant tparticipation. tPakistan's tlargest tIslamic tbank twith ta tnetwork tof tover t600

tbranches tin t140 tcities.

• tMembers tof tthe tShariah tSupervisory tBoard tof tthe tMeezan tBank tare tinternationally
trenowned tacademics, twho tare tpart tof tthe tboards tof tdirectors tof tmany tIslamic tbanks

toperating tin tdifferent tcountries.

• tBeing tan tIslamic tbank, tMBL thas tan textensive tnational tnetwork. tAs tan temerging tmarkets
tbank, tit thas tbranches tin tall tthe tmajor tcities tof tPakistan twith tthe tease tof tonline tbanking, tit

tis tvery teasy tfor tits tcustomers tto ttransact tthroughout tthe tcountry.

• tThere tare tmany tadded tvalue tfunctions tin tthe tproducts toffered tby tthe tbank. tATM tcards
tare tprovided twith teach taccount.

• tfree tonline tbanking tservices

• tFree tmobile tbanking tapplication

8.3: WEAKNESS
tt

• tLimited topportunities tfor texcess tliquidity tinvestments

• tWithout ta tcredit tcard

• tHigh tfees tfor tdebit tcards

• tHigh tcharges tfor tcheckbooks tRs.10 tper tcheck

8.4: OPPORTUNITY
t

• tThe thousing tfinancing tsector tcan tbe ta tgoal tto tmaximize tthe tbenefit.

• tGrowing tdemand tfor tIslamic tfinancial tproducts tand tservices.

• tVenture tinto tIslamic tgroups toutside tthe tcountries tas tan topportunity tto texpand tbusiness tin
tthe tUnited tArab tEmirates tand tgolf tstates. ti-e tfinancial tinstitutions.

• tFind twith. tProducts tfor tSMEs taimed tat tmid-level tcustomers.

• tDoing tbusiness twith tIslamic-inspired tcompanies. tI-e tIslamic tfinancial tinstitutions. tIncrease
tthe tnetwork tof tbranches twithin tthe tcountry.

8.5: THREATS
tt

• tSBP tdoes tnot thave ta tspecial tpolicy tregarding tIslamic tbanks.

• tmacroeconomic tchallenges

• tDissociation tof tMaulana tTaqi tUsmani tfrom tthe tShariah tAdvisory tCouncil tof tMeezan tBank.

• tGovernment. tThe tpolicies tmainly tconcern tthe tconventional tbanking tsystem, tnot
tparticularly tthe tIslamic tbanking tone.

• tModification tof tthe tgovernment's tattitude ttowards tIslamic tbanks.

• tFear tof tthe tcredibility tof tmonitoring tsystems tand tethical tcompliance tof tIslamic tbanks

8.6: ANALYSIS OF PESTS:

t t t

The tplague tmeans tpolitical, teconomic, tsocial, ttechnological. tThese tare tthe tfactors tthat
tinfluence tthe tperformance tof tany torganization. tThe tPEST tanalysis tof tMeezan tBank tis:
8.7: political
t

Political tinstability tin tPakistan tcan tlead tto tchanges tin tlaws tand tpolicies tthat tcould tbe tfor tor
tagainst tthe tbanking tsector. tThe tpolitical tenvironment tis tstrongly tinfluenced tby tthe

tperformance tof tthe tbanking tsector. tWe tcan tsee tthe texample tof twithholding ttaxes tfrom tthe

tgovernment tin tthe t2015-2016 tbudget. tMeezan tBank tcould talso tbe tinfluenced tby

tgovernment tpolicies tand tthe tunfavorable tinvestment tenvironment.

8.8: economic:
t

The tPakistani teconomy tfaces tproblems trelated tto temployment, tinflation, tilliteracy, twhich
thinder tbusiness tgrowth. tBut tover ttime, taccording tto tforeign treports, tPakistan's teconomic

tsituation tis timproving tday tby tday. tThe teconomic tindicators tare tthe tinterest trate, tthe

tinflation trate, tthe tunemployment trate, tthe tper tcapita tGDP tand tthe teconomic tgrowth tof tthe

tindustries tcan tinfluence tthe tperformance tof tthe tMeezan tbank.

8.9: social:
t

There tmay tbe tcultural tproblems, tbut tanyway, tsince tthere tare ta tnumber tof tmultinational
tcompanies, ttherefore, tcultural tproblems tare tnot trelevant. tBanks thave talways thelped tpeople

timprove tthe tliving tconditions tof tthe tpoor tin tvarious tways, tsuch tas tloans, tto tstart ttheir

tbusinesses. tThe tMeezan tBank thas talways ttried tto tgrant tloans tto tpeople tin tneed ton

tfavorable tterms tand thas talso thelped tto teradicate tunemployment tby toffering twork.

8.10: technology:
t

In tthis tmodern tera, ttechnology thas ta tgreater tinfluence ton tthe tperformance tof tany
torganization. tMBL tis tthe tfirst tto tadopt tthe tlatest ttechnology tin tPakistan. tIn tthe tbranches

tyou tare tusing tthe tT-24 tsystem, twhich tis tthe tlast tone. tTechnological tdevelopment,

tinnovation, tthe tsimpler tacceptance tof tnew ttechnologies tare tsome tindicators tthat tcan taffect

tthe tperformance tof tMeezan tBank

Chapter n0.9 t

9.1: Interpretation
t

1.Financial tposition
Chapter no.9 t

9.1 Advising to concerning department

t tt t t

These tare tthe tgiven tadvises twhich tre tconsidered tin toperation tMeezan tbank tnawan tshahar tbranch
twhich tI tworked tduring ttime tmy tinternship tin tit

1.Account tdepartment
 I tobserved tthat tin taccount tdepartment tevery tperson tburdened tso tBM tshould tload tof
twork

 I talso tobserved tthat tthey tare tnot tgetting tovertime tcharges. tAnd tbank tshould tbe ttake tcare
tof tthis

 They tshould tprovide tthe tall tproper tinformation tabout taccounts tto tthe tcustomer

 Clarify tabout t ta tcheck tand tatm tcards tby tthe tbranch t

 At tthe ttime tof topening taccount tzakat tdeduction tmust tbe tdiscussed

2.Department tof tcustomer tcare

 MBL tshould tbehave tequally twith ttheir tcustomer

 They tshould tsave tthe ttime tof tcustomer tby tincreases tcounter

 LED tshould tbe tprovided tfor tthe tentertainment tof tcustomer tfor tlong twait

 For tthe tcomfort tof tcustomer tmore tfurniture t tis trequired

 Gift tand tcards tshould tbe tgiven tto tcustomer ton tdifferent tactivity tsuch tas tbirthday, tto ttake
theavy tloan tand tto tadd theavy tamount tand topening taccount

 With tcustomer tlong tterm trelation tmust tbe tcreated

3.Departments tof tbanking toperation

 For tthe tattraction tof twomen ttowards tsaving tbank tinstead tof thouse tholding tcampaign tmust
tbe torganized

 About tcharges tof ttransaction tshould tbe tinformed tto ttheir tdepositor t

 Female tstaff tshould tbe thired tfor tfemale tcustomer tSaver tlocker tshould tbe tincreased t t
  They tshould torganized tbranch tin trular tareas

4.Clearing tdepartment
 Modern ttechnology tshould tbe tapplied tso temployer tcan ttransfer tchecks tamount tto tother
tbank tjust tlike tother tbank tubl,hbl,etc

 Information tabout treturns tchecks tmust tbe tgiven tto tthe tcustomer

 Clearing tofficer tshould tbe texamined tcarefully tso terror tof tclearing tchecks treduces

9. 2: Recommendation
t t

 There tare tfollowing trules tas ta tbeing ta t tmanager tmeezan tbank tin tnawan tbranch

 tRegular tvisit tto tcustomer tto tconvince tthem tto topen taccount t.

 Start twith tcampaign tword tof tmouth tmarketing

 To tattract tthe tnew tdepositor tuse tpersonel trelation

 On tdaily tbasis tmoniting tstaffs tperformance

 To tincrease tthe tcustomer tfor tsearching tnew tmarket

 As twell tas tquantity tof taccount topen tn tbranch tand tattention ton tthe twork tquality

 For tthe tadvertisement t tbranch tprovide tlocal tprogram

 In tthe tbranch tmake tgood tpeaceful tatmosphere

9.3 Final conclusion

t t

Meezan tbank tlimited tis tthe tfirst tbank tof tPakistan.it tis tconsist tof tmore tthan t550 tbranches twhich
tarte tservicing tin tmany tcities tof tPakistan tand tmaintaining tits tposition talso tin tPakistan tand tgiving tthe
tgood tresult tto tits tcustomer

I tcan tsay tabout t tthe tinternship treport twith tthe thelp tof tits town tmy tobservation. t tfirst tof tI tlearnt
tabout tchecks tand tI tknew tthat tdifferent tchecks tof tdifferent tbanks tbecause tdifferent ttypes tof tchecks
tbooks tissued tof tdifferent tbanks. ti ttaugt tin tabout taccount tdepartment tthat thow taccount topening
tdifferent tproducts, ttransfer tof tchecks t,current tin tsaving taccount tehsan taccount tetc tand ttheir trule
tand tregulations t twhen tI tworked tin taccount tdepartment tand tI tcame tto tknow tabout tdeceased
taccount tforeign taccount tcdd tan tkyc tform talong twith tss tcard tin tMeezan tbank tI tgot tchance tto tmake
tmy tknowledge tvast tand tvaluable twith ta tlot tof texperience
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