My Internship Report on SMBL Shikarpur Road Sukkur Branch by qazi_salu in Types > Research > Business & Economics. INTERNSHIP REPORT. ON. HABIB BANK LIMITED PAKISTAN. PREEDY GATE BRANCH BANNU. SUBMITTED TO: SIR AMAN ULLAH AWAN. DIRECTOR. In Government of Pakistan announced the privatization of HBL to Agha Internship Report on Banking Business Activities of Mercantile Bank Limited, Internship start and finish dates: 5th March – 30th April

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Internship Report on Himalayan Bank Limited. It aims to provide quality education through quality and professional courses. BBA is four years international standard program consisting of eight semesters along with internship program. Thus, BBA program is a blend of theoretical and practical knowledge on the financial sector enabling the students in understanding business environment and solving practical business problems.

It also aims to develop creative, socially responsible and skilled professionals who are able to carry out the responsibility of middle level managerial positions in the rapidly growing business sector in Nepal as well as abroad.

Theoretical knowledge is not sufficient in this competitive and complex business world. Thus, in the eight semester of BBA program, student is required to work in financial institution for at-least eight weeks, where they can experience real situations of work environment in the organization. It also helps in understanding organizational environment and work culture. Internship program enables in acquiring skills and techniques by experiencing practical work situations directly applicable to develop career on financial sectors.

It may also create the opportunities for placements in the same host organization or other organizations. After the completion of internship program, it is required to prepare the report to be acquainted with what the student have learnt in the host organization over the internship period. It helps to share the experience of student along with problem faced by them.


The specific objectives of this study are: This internship report is based on research methodology. It helped to analyze the data in finding the cause and effect relationship to see how bank is performing. Since, research is a scientific discipline; it needs much more attention on the part of the researcher. Decision about the organization selection for the internship program is very crucial task due to existence of different financial institutions in the Nepalese financial market.

Internship from a reputed organization definitely enlarges bhl prospects of gaining pn practical knowledge and also enhances confidence of every student. Since I did specialization on Banking and Finance I selected to do internship in the Banking institution to boost my knowledge.

As infernship banks are ‘A’ class financial institutions I chose them among other financial institutions.

Internship Report on Habib Bank Limited – Assignment Point

I dropped the college deport letter and personal application with resume in Himalayan Bank Ltd. Further, I did regular follow—up with the human resource department of HBL. There I got an opportunity to work in different department such as bills and remittance department, repoort service department, trade finance, customer relation department, credit management and administration department.

The task was assigned as per the requirement of the different department under the supervision of respective department head.

I was fortunate enough to gain knowledge on various departments under proper supervision of department heads and staffs during the internship period.

I presented myself with full confidence and well-disciplined in this institution and created mutual trust among the staffs and got the opportunity to learn functioning of different departments. The duration of internship period has been declared for minimum 8 weeks hb FOM, Tribhuvan University. During eighth semester, student should complete internship acquire six credit hours. In this period I was placed in various departments so that I could develop knowledge about various activities performed in each department making me able to achieve practical; disclosure to functioning process.

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Credit management and administration. The primary as well as secondary information has been used to prepare this report.


Observation during internship in HBL. Questionnaire with employees and customers of HBL. Files, registers, computer data. Every activity is internzhip by the boundaries and limitations.

So, the same tendency happens while preparing this internship report. Some constraints faced during preparing this report are listed below: Ashad, bank’s staffs have excess workload due to which they cannot supervise the intern properly.

And people around the world start to use different words for their convenient like in French ‘Banque’, Latin ‘Bancus’, and German ‘Bank’. At ancient times, bank means moneylenders who sat in the bench for keeping, lending and exchanging of money in the market place. A bank ob an institution which deals in money receiving as deposits from customers, honoring customers drawing against such deposits on demand, collecting cheques for customers and lending or investing surplus deposits until they are requires for repayment.

It allows interest on the deposits made and charges interest on the loans granted and further it creates credit and supports for the formation of capital and hence it is regarded as manufacturer of money. In simple, bank is an institution which deals with money and credit. Nowadays, a bank has broadened its scope by providing financial as well as non-financial services to its customers.

To give specific meaning of bank is very difficult task however following are the few definitions given by different authors. From the above definitions, we draw the conclusion that a bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. It is the most important financial institution dealing with money, receiving om as deposits from customers, honoring customers drawing against such deposits on demand, collecting cheques for customers and lending or investing surplus deposits until they are required for repayment.

Thus, bank receives demand deposits and time deposits, honors instruments drawn on them, and pays interest on them, makes loans, and invests internsihp securities, collects cheques, drafts and certifies depositor’s cheques and issues drafts and cashier’s cheques. The difference in interest rate on lending and deposit, interest rate spread, is the major source of income for the bank.

Interest on lending is higher than the deposits. The history of banking is nearly as old as civilization. In the Babylon, at the time of Hammurabi, in the 18th century BC, there are records of loans intenrship by the priests of the temple. The concept of banking has arrived. When the word bank is used it is meant ibternship commercial bank. However, in the temple Babylon the practices ihternship safeguarding and saving flourished as early as B. Chanakya in his Arthashastra written in about B.

Merchants and goldsmith were ancestors of bank. The ‘Bank of Venice’, established in A. Originally, it was not a bank in real sense being simply on office for the transfer of the public debt. Venice, after being possibly internshio first city to found a bank for the keeping of money oon safe deposit and the clearing of cheques, is also a pioneer in the involvement of a bank hb state financiers. In the BancoGiro is established to solve problems encountered by the earlier, which has got into trouble through the making of unsecured loans.

Subsequently, ‘Bank of Barcelona’ and ‘Bank of Geneva’ were established. During the 18th century the Bank of England gradually undertakes many of the tasks now associated with a central bank, The ‘Bank of England’, first English Bank, was established in A. It organizes the sale of government bonds when funds need to be raised. It acts as a clearing bank for government departments, facilitating and processing their daily transactions.


They used to do their trading activities by remitting the money from one place to another. The next stage in the growth of banking was goldsmith.

An honest goldsmith was also trusted with billions money and ornaments by merchants in neighborhoods. He started charging for acting as custodians of these valuables.

As an evidence for receiving valuables he issued a receipt, which in turn became like cheques as a mode of exchange. He started advancing the coins on interbship by charging interest. He started to keep some reserve as a internsip. In this way the goldsmith money lender became a banker who started performing the two functions of modern banking that of accepting deposits and oj loans. Banking service is the oldest service industry in Nepal. It has gone through various stages of evolution and development since the Vedic times to B.

In the Nepalese chronicles, it was recorded that the new era ybl as Nepal Intsrnship was introduced by Shankhadhar, a Sudra merchant of Kantipur in A. The banking in the form of money leading can be traced back in the reign of Gun Kam Dev towards the end of 8th century. According internnship the historical evidence in Gun Kam Dev, the king of Kathmandu had borrowed money to rebuild and to rule Kathmandu.

In the 11th century, during Malla regime, there was an evidence of professional money-lenders and bankers. It is further believed that money-lending business, particularly for financing the foreign trade with Tibet, became quite popular. Another historical o as to the pre-modern banking system is found when Rana Prime minister Randip Singh was administering Nepal in A. Although this institution did not accept any deposits, it had played an important role in the development process of banking system in Nepal.

Modern banking business started in the country just before the Second World War. In state financial institute which supply credit or loan against security. His Majesty King Tribhuvan inaugurated first commercial bank i. Nepal Bank Limited on Kartik 30, B. In the year B. Until then all monetary tractions were carried out by private dealers and trading center. The need to regulate financial and monetary system increased enormously resulting in the establishment of Nepal Rastra Bank in B.

In order to cater the demand of banking system, Rastriya Banijya Bank was established in B. Later some development banks and financial institutions were established to provide medium and long-term credit facilities to the industry and agriculture.

In order to provide service to the agriculture sector, Agriculture Development Bank Ltd. The government of Nepal adopted liberal economic policy to accelerate country’s growth and development.

Foreign investment and participation of private sector were encouraged. The government then enacted “Joint Venture Banking” policy.

Nepal Arab Bank Ltd. With the passage of time several other joint venture and private bank has been established such as Indosuez bank Limited Nepal no bank in B. Financial system is the set of financial institutions, financial market, and financial instruments along with regulations and laws.

Financial system facilitates resources transfer and oj savings to the productive sectors thereby contributing to the economic development.