BOK Report

Bank Of Khyber
Internship Report
ACKNOWLEDGMENT
We have no words to express our

gratitude to Almighty Allah, the most
Merciful and Compassionate, the
most Gracious and Beneficent, who
enabled us to complete this study.
This gratitude would remain
incomplete without paying Darood-o-
salam on the Rahmat-Ulil-Alamin
Hazrat Muhammad Mustafa (Peace be
upon him).
We extend our deepest gratitude and

profound regards to our advisor Mr.
Wisal Hassan and other teachers for
constant supervision, inspiring
guidance, valuable suggestions and
constructive criticism throughout the
course of this study. We are also
thankful to him for his moral support.
I am very thankful to my parents and

family members and my friends.
APPROVAL SHEET
Project Report
On
THE BANK OF KHYBER
Submitted By:
Name
MBA (FINANCE)
Roll no: 0000
Reg. No: _____________
OF
College Name
has been approved for submission to

the controller of Examinations,
University of Peshawar in partial
fulfillment of the requirements for the
degree of
MASTER OF BUSINESS
ADMINISTRATION
__________________
___________________
Date: ______________ Date:

______________
DEDICATED TO
I dedicate this humble
effort to my honorable parents
Especially to my sweet and loving
Mother who always prayed for
My success and supported me
Spiritually and financially
In Every stages of life,
My friends & teachers.
PREFACE
The Bank Of Khyber (BOK)
established in 1991, under the bank of
Khyber passed by KPK assembly. Its
objectives included promotion of
saving and investment in the KPK .In
1994 it acquired the status of a
scheduled bank that allowed at
opening branches outside the KPK
,becoming a member of clearing
house and engaged in trade finance
activities directly.
Doing this project has been an

enjoyable experience. Keeping pace
with time is the key to success, left
behind means lost. This report is an
essence of my degree requirement
and without writing report the whole
training process will end in smoke.
Computation and purification of data
become fruitful when it comes in the
shape of information. It is very hard to
convert data into information, it
requires wide span of time, but still it
was a great experience for me to have
a feel of the practical world.
My project on Bank Of Khyber branch

university road was a good
experience. I have learned a lot about
general banking, observed the
organization structure and different
departments and also their working. I
want to thank every one at the bank
who helped me to understand about
basic banking and also made my
internship at the bank a memorable
experience.
Since banking is a wide spread

profession, it is impossible to jot out
each and every function, so I
highlighted few functions of banking.
Being the student of Finance I tried
my level best to decimate as much
information as which was necessary.
I will like to thank all the staff of

BOK's university road branch,
especially Mr Zahir Shah (Manager)
for his support and guidance in cash
department who treated me with care
and answered all my quarries.
I also want to thanks all staff of BOK's

university road branch for there
Sports who guided me throughout
making of this report. Without their
valuable guidance it would have been
a much difficult task to do. In the end
I would also like to thank my parents
and friends who supported me
throughout my program.
SAYED ABAD
TABLE OF CONTENTS
Topic Page No.
CHAPTER 1:
INTRODUCTION TO REPROT: 1
1.1……..Objectives of study 1
1.2 ………Scope Of Study 1
1.3…………Importance Of study 1
1.4………….Research Methodology 2
1.5………..Background Of Study 2
1.6…………Purpose Of Study 3
1.7………..Problem Statement 3
1.8………….Methodology Of Report 4
Chapter 2
2.1………....History OF BOK 5
2.2…………….Vision Statement 6
2.3…………..Function Of BOK 7
Chapter 3
DEPARMENTAION: 10
3.1……..Departmentation of the
head office 11
Chapter 4
4.1……….IMPORTANCE OF
FINANCIAL PRODUCTS 18
AND SERVICES OF BOK:
4.2 ……………BOK Performance At

Glance 22
Chapter 5
BOK’S CREDITS/FINANCING 23
5.1………… Introduction 23
5.2…………Principles of Financing 23
5.3………..Types of Credits 25
5.4…………Types of Advances
Offered By BOK 26
5.5……….Procedure Of Applying For

Finance 32
5.6………..Market Appraisal
/commercial Finance 35
CHAPTER 6
“DEPOSITS” 39
6.1………..Introduction 39
6.2…………Deposits /Products By
BOK 39
6.3………..Account Opening
Procedure 42
6.4………Nature Of Account 43
CHAPTER 7
CRITICAL ANALYSIS 47
7.1……….Problem At the Branch 47
7.2 ………Functional Analysis 48
7.3……….Administrative Analysis 50
7.4……….Personnel Mgt Analysis 51
CHAPTER 8
FINANCIAL ANALYSIS 53-56
CHAPTER 9
SWOT ANALYSIS 57
9.1………Strength Of BOK Haripur

57
9.2………weaknesses of BOK
Haripur 57
9.3……….Opportunities Of BOK
Haripur 58
9.4………..Threats of BOK Haripur

59
CHAPTER 10
RECOMMENDATION & FINDING 60
10.1 ………Availability of Required

Staff 60
10.2……….Computerization of
Branch 60
10.3…………..Inter Departmental
Transfer 61
10.4…………..Customer Friendly
Environment 61
10.5………….Professional Attitude 62
10.6………….Personal Marketing 62
10.7…………Equal Distribution Of
Work Load 62
10.8………..ATM Facility 63
10.9………..Delegation Of Authority
63
10.10…………Role Of Presentation 63
10.11…………..Compensation 64
10.12 …………Consumer Satisfaction

64
10.13 …………Recommendation to
HRM 64
BIBLIOGRAPHY 67
EXECUTIVE SUMMARY
Bankers mean a person transacting
the business of accepting money for
the purpose Of lending or investment,
of deposits of money from the public,
repayable on demand or other wise
and withdraw able by cheques, drafts
or otherwise and includes any Post
Office Saving banks. Bank play with
the money of other peoples by taking
money from people at lower interest
rate and lending it to investors at a
higher rate of interest and the
difference between these two interest
rates are the bank profit.
Bank Of Khyber maintains its position

as Pakistan's premier bank
determined to set higher standards of
achievements. It is the major business
partner for the Government of
Pakistan with special emphasis on
fostering Pakistan's economic growth
through aggressive and balanced
lending policies, technologically
oriented products and services
offered through its large network of
branches locally, internationally and
representative offices.
The purpose of this report is to

analyze the performance activities of
The Bank of Khyber university road
branch and BOK overall performance
and its financial position and
organizational structure as well.
According to my knowledge BOK
chain of command is chairman of
BOK is the upper most position and
there are many directors under that
chairman then chief executive then
five senior executive vice president
and this hierarchy is going to end at
non clerical staff.
In this report we analyze different

departments of Bank Of Khyber
including Cash department, Accounts
opening department, Clearance
department, Advances / Credit
department, Remittance department,
Foreign Exchange department and
after analyzing these department we
have certain findings and
recommendation for that.
INTRODUCTION TO STUDY
“BOK’s
Chapter-1
1.1 Objective of the study
For completing the Master degree of

MBA, each student is required to
make a project report on a recognized
organization. The students are
required to work according to their
own field in which they are doing
their specialization.
Main purpose of this program is to

make students familiar with the
practical work, as there is great
difference between what they have
learnt during their course and how
the job is practically done.
Another important aspect of making a

project report is to implement the
knowledge so far one has acquired.
1.2 Scope of the study
1). It is a compulsory requirement for

the award of Master degree.
2). It will help the present and

prospective students of the
department in making assignments
and writing reports on the BOK,
evolution of banking, importance of
banking and different operations.
3). It can also provide help to BOK’s

management in identifying their
Strengths, Weaknesses, Opportunities
and Threats.
4). It can also provide assistance to

students about the banking system
and is management practices.
1.3 Importance of study
Banks play a central and very

important role in the economic life of
a country, that’s why they are
considered as the lifeblood of modern
economy. Today no one can deny the
importance of banking in the
economy. They facilitate and expedite
trade and commerce and provide a
variety of services that one can’t
imagine with out banks.
We have chosen the Bank Of Khyber

for our mini project because it has all
the departments a bank could have
and is the largest network nationwide.
Besides this, BOK plays an important

role in the economic development of
Pakistan.
1.4 Research methodology
The methodology that we adopted for

this research project is based on both
the primary as well as secondary data.
The sources of primary data were:
1 Formally arranged interview/

discussions with Management,
Director and Joint Directors.
2 Personal observations.
3 The sources of secondary data were;
4 Annual reports
5 Over view of the BOK
6 Relevant books.
7 Internet
1.5 BACKGROUND Of Study:
The socio economic growth of any

developing country depends mainly
on the health of its monetary based
institutions. The banking sector is one
such example, which plays a vital role
in the development of the economy.
Its involvement in the industrial
sector, trade and commerce of the
country makes it an integral organ of
the over all development of the
county.
Bank Of Khyber was established

under the ordinance 1949. The
primary objective of the setting of
BOK was the purchase of jute from
the growers in the former East
Pakistan and also to perform the
commercial banking
The bank is also authorized to act as

an agent and trustee of State bank
where the State bank of Pakistan
(SBP) has no branches. The bank
therefore performs dual responsibility,
one as commercial bank in its own
right and at the same time a trustee of
business finance.
1.6 Purpose of Study:
The purpose of this study is to fulfill

an important requirement of MBA
course that is to write an internship
report. The main focus of this study is
on retail banking.
Apart from this there are other

purposes such as:
a) To get practical knowledge about

the working of the bank, i.e. the
procedures followed for the retail
banking.
b) To get used to the working

conditions of an organization.
c) To analyze the weaknesses of the

said organization and give some
solutions to overcome these
weaknesses.
d) To have a working experience.
1.7 PROBLEM STATEMENT:
The following problems are in the

university road branch of BOK are as
under.
a)The ATM Machine facility are not

used in this branch.
b)The proper space is not for the bank

.The seating arrangement is not
sufficient as compared to the number
of employees and customers.
c)The bank hires new employees from

the external sources. in case where
the Bank has competent and
experienced officers the vacancies are
filled with internal employees. There
are certain posts in the Bank for
which internal as well as external
recruitment sources are used.

BOK Report

Uploaded by

Copyright:

Available Formats

BOK Report

Uploaded by

Document Information

Original Description:

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

BOK Report

Uploaded by

Copyright:

Available Formats

Bank Of Khyber

We have no words to express our

We extend our deepest gratitude and

I am very thankful to my parents and

Roll no: 0000

Reg. No: _____________

has been approved for submission to

Date: ______________ Date:

I dedicate this humble

effort to my honorable parents

Especially to my sweet and loving

Mother who always prayed for

My success and supported me

Spiritually and financially

In Every stages of life,

My friends & teachers.

Doing this project has been an

My project on Bank Of Khyber branch

Since banking is a wide spread

I will like to thank all the staff of

I also want to thanks all staff of BOK's

Topic Page No.

1.2 ………Scope Of Study 1

AND SERVICES OF BOK:

4.2 ……………BOK Performance At

5.5……….Procedure Of Applying For

7.1……….Problem At the Branch 47

7.2 ………Functional Analysis 48

7.4……….Personnel Mgt Analysis 51

FINANCIAL ANALYSIS 53-56

9.1………Strength Of BOK Haripur

9.4………..Threats of BOK Haripur

RECOMMENDATION & FINDING 60

10.1 ………Availability of Required

10.12 …………Consumer Satisfaction

Bank Of Khyber maintains its position

The purpose of this report is to

In this report we analyze different

1.1 Objective of the study

For completing the Master degree of

Main purpose of this program is to

Another important aspect of making a

1.2 Scope of the study

1). It is a compulsory requirement for

2). It will help the present and

3). It can also provide help to BOK’s

4). It can also provide assistance to

1.3 Importance of study

Banks play a central and very

We have chosen the Bank Of Khyber

Besides this, BOK plays an important

1.4 Research methodology

The methodology that we adopted for

1 Formally arranged interview/

3 The sources of secondary data were;

5 Over view of the BOK

1.5 BACKGROUND Of Study:

The socio economic growth of any

Bank Of Khyber was established