Report Essay

16314 Words Jan 14th, 2012 66 Pages
PREFACE:
The field of banking has always been a source of inspiration for me during my entire academic career. To work in a bank, to acquaint with its working mechanism was always a point of interest for me and God gave me a golden opportunity to complete my internship at UBL, one of the leading bank in Pakistan and well known in world due to its appearance in the international markets. I had a general idea about the banking, but once I practically started the internship in banking field I observed much about banking, I realized the importance and significance of commercial banking for the development of economy. To adjust myself in such a large commercial organization was not an easy task, but by the grace of Almighty Allah aid my
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1 CHAPTER – 1
1.1 1.2 1.3 1.4 1.5 1.6 INTRODUCTION OF THE REPORT Introduction Purpose of Study Scope of Study Limitations of Study Methodology of Report Scheme of Report 1 1 1 2 2 3 I II V VI VII VIII IX

Section # 2 Chapter – 2
2.1 2.2 2.3 2.4 2.5 2.6 2.7 2.8 2.8 Introduction to UBL Banking History Banking in Pakistan Towards Islamization of Economy Birth of UBL Number of Branches Subsidiaries Functions of UBL Role of UBL in Banking Sector Computerization of UBL 4 4 4 6 6 7 7 7 9

Chapter – 3
Deposits, Remittances, Credit & Clearing Departments

2

3.1 3.1.1 3.1.2 3.1.3 3.2 3.2.1 3.2.2 3.2.3 3.2.4 3.2.5 3.2.6 3.3 3.3.1 3.3.2 3.4 3.4.1 3.4.2 3.4.3 3.4.4

Deposit Department Functions performed by Deposit Department Types of Accounts Nature of Accounts Remittances Department Demand Draft Telegraphic Transfer Mail Transfer Pay Order Rupee Travelers Cheque Uniremote Credit Department of UBL Credit department of UBL Nowshera Procedure for Financing Clearing Department Procedure for clearing of Cross cheques IBC LBC OBC

12 12 13 13 14 14 15 15 16 16 16 17 17 17 19 20 21 21 21

Section # 3 Chapter – 4
4.1 4.2 4.3 4.4 4.5 4.6 4.7 4.8 4.8.1 4.8.2 4.8.3 Financial Analysis Group and its Operations Basis of Presentation Significant Account Policies Risk Management Concentration of Credits and Deposits Investment Portfolio Profitability 22 22 23 25 26 27 27 28 28 32 34

FINANCIAL ANALYSIS
Common size analysis of Balance Sheet Common size analysis of Income

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