Executive Summary

As we know that Bank of Punjab is the largest bank of Pakistan. Thus this internship report is
being to write on Bank of Punjab. The internship report on bop will touch the banking sector
importantly on Bop its origin, and operation, how the banks are classified based on their
function, and so the property and follow trends in the industry. The internship report BOP has
been written under the supervisor of universities senior and Professor to avoid any irrelevant
contents.

In addition to the above, this report focuses on the BOP to be more precise and discussing the
internal details of the bank located on Liaquat Road Sahiwal. The main purpose of this report is
to analysis the BOP Marketing Strategy, BOP Marketing Segmentation, Sales Promotion, BOP
Customers handling, so it is a major part of my report.

Other portion of BOP History, BOP Department information, also included. The report further
guides through the department and working in the general banking. The activities taking place in
the bank, the various products of banking are discussed in the report. The department of BOP has
lot of tasks to facilitate the customers through very best way and passion.

The workings of the different departments are done under one roof of BOP. I have worked in the
BOP Branch at Sahiwal in under below Department.

1. Account Opening Department

2. Remittance Department
3. Clearing Department
4. Accounts Department
5. Credit Department

You will able to read all my tasks, which I performed in the entire above department in the next
coming pages.
Table of Contents
Internship report on the bank of Punjab has almost 80
page.
Title Page
Overview of the organization
Brief history
Nature of the organization
Product lines and brand portfolio of the
organization
Strategies of branding used by the
organization
List of main clients
List of main competitors
Organizational structure
Organizational hierarchy chart
Number of employees
Introduction of all the departments
Comments on the organizational structure
Plan of your internship program
A brief introduction of the branch/head office
Starting and ending dates of your internship
Names of the departments in which you got
training
Training program
Detailed description of the
operations/activities
Detailed description of the tasks assigned to
you
Detailed description of the project assigned to
you
Structure of the Marketing department
Department hierarchy
Number of employees working in the
Marketing department
Marketing operations
Functions of the Marketing department
Segmentation strategy
Target marketing strategy
Product planning, development &
management
Positioning
Pricing strategy
Distribution strategy
Promotional strategy
Structure of the Sales department
Department hierarchy
Number of employees working in the sales
department
Sales operations
Functions of the Sales department
 Sales methodology
Type of selling like personal selling, door to
door selling
Sales returns procedures
Customer Services department
Process of developing relations with
customers
Techniques for retaining customers
Techniques for attracting new customers
Ways of handling different kinds of
customers
Critical Analysis
SWOT analysis of the organization
Conclusion
Recommendations for improvement

Note: Students of different universities may get their report as per above table of content
(latest) If your area of specialization is different then do let me know through email, We
will provide you the report according to your area of specialization but charges will be
different.

Nature of the Organization

A unit of service industry of Pakistan, BOP (commercial bank) is engaged in the borrowing,
lending and advancing of money, the drawing, making, accepting, discounting, buying, selling,
collecting and dealing in bills of exchange, promissory notes, drafts, bills of lading, receipts,
warrants, debentures, certificates etc.

It is also engaged in the buying, selling of foreign exchange including foreign bank notes, the
acquiring ,holding, issuing on commission , underwriting and dealing in stocks, funds, shares,
debentures, the negotiating of loans and advances , the receiving of all kinds of bonds, valuables
on deposit or for safe custody.

The providing of safe deposit vaults the collecting, and transmitting of money and securities. Over
the years, the management has succeeded in establishing an ideological base for the employees to
build the bank upon customer loyalty, service with dedication and development of a wide range of
products for the customers to choose from.

The BOP bank will earn dividend income from the distribution of profit. Funds are available to
the bank out of normal deposits. Subscription of right shares will provide the company with the
adequate liquidity to invest in profitable avenues to generate profit in future. This will also help in
reducing accumulated losses of the company. Furthered the financial position of the company will
be strengthened which will be helpful to the company to launch a new product in future.
Business Volume
Business Volume in terms of Investment, Current & Fixed Assets, Share Capital, Revenues,
Deposits, Advances, Income, and EPS for the last 5 years is as under:

2013 2014 2015 2016 2017

Total assets RS (M) 43,621 66,320 111,154 164,855 234,974
Revenue RS (M) 3,675 5,488 10,912 18,603 26562
Shareholder's
Equity RS (M) 3052 4,420 6,777 10,659 15,110
Investment RS (M) 11,458 16,198 18,026 28,233 73,462
Deposits RS (M) 34,938 54,724 88,465 137,728 191,968
Advances (net) RS (M) 18,344 39,439 63,624 101,320 133,894
Income RS (M) 831 1,368 2,353 3,804 4,446
EPS (Rs/share) Rs 6.86 9.08 10.01 13.14 10.51
ROI % 7 8 13 13 6

BOP Product
Deposit Products include

1. Current Accounts
2. BOP Basic Banking Account
3. BOP Tijarat Account (LCY)
4. BOP FCY Supreme Current Account

Profit Loss Sharing Term Accounts

1. BOP Pehlay Munaf a Scheme

2. Corporate Premier Term Account
3. Munafa Hi Munafa Term Account
4. Bai Misaal Term Deposit Account

Agriculture Credit
 Green Tractor Lease Finance Scheme
 Agri Finance Branches
 Agricultural Finance Scheme
 Kissan Dost Tractor Scheme
 Second Hand Tractor Lease Finance Scheme
  Kissan Dost Aabiari Scheme
 Kissan Dost Mechanization Support Scheme
 Kissan Dost Farm Transport Scheme
 Kissan Dost Eslah-E-Arazi Scheme
 Kissan Dost Live Stock Development Scheme
 Livestock Breed Improvement Trough VVW
 Kissan Dost Commercial Agro Services
 Kissan Dost Agri Mall Finance Scheme
 Corporate Farming Finance Scheme
 Commercial Lease Finance Tractor Scheme
 Demand Finance-Sheds Construction and Civil Works
 Lease Finance Facility for Milch Animals
 Running Finance-Livestock/Poultry and Fish Farms
 Kissan Dost Model Dairy Farms (PDDC)
 Kissan Dost Model Milk Collection Center (PDDC)
 Kissan Dost Green House Finance Facility
 Kissan Dost Cold Storage Finance Facility
 Scheme for Controlled S
 Lease Finance Facility for Installation of Biogas Plant
 Group Financing to Small Farmers
 Clean Credit Facility through Syngenta Franchisees
 Zarkaashat Drip Irrigation System
 Markup of Schemes

BOP Retail Banking

1. Current deposit
2. Saving deposit
3. Term deposit
4. SME Banking
5. Provisional profit rates.

Account Opening
This department is basically known as “Deposit Department.” Deposit of funds from outside
people is one of the most important functions of this system. The banking system is based
on such deposits without these deposits it is difficult for the bank to run effectively. Deposits
are the capital of the bank and it is more than bank own capital fund. This deposit is a form
of borrowing for the bank. Bank then uses these deposits by lent out it other parties that
generate profits and bank is shared as well in such profit as well. Such deposit formation is
done through opening an account in the bank account opening department.

Deposit Department
In modern times very few companies are carried out only with the owners' equity. Loan
funds from different sources become an essential feature of today's enterprise business. But
in the case of a banking system based on it. The bank's paid capital is much greater than its
own capital. Lending banks are mostly in the form of deposits.

These deposits are lent out to different parties. The larger the difference between the rate
at which the deposits are borrowed and the rate at which they is lent out the greater of the
profit margin of the bank. Furthermore, the larger the deposit the larger will be the funds
available for employment; larger the funds lent out the greater will be the profit of the
bank.

To receive the deposit is the basic function of all commercial banks. The bank does not
receive these deposits for save keeping purpose only, but they accept deposits as debts.
When banks receive the deposit from a customer, the relationship of a debtor and creditor is
established whereby the customer becomes the creditor and the bank a debtor. When the
bank receives the amount of deposit as a debtor, it becomes the owner of it. It may,
therefore use it as deems appropriate. But there is an implicit agreement that the amount
owed would be paid back by the bank to the depositor after a specified period.