Internship Report
THE PUNJAB PROVINCIAL
COOPERATIVE BANK LIMITED
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PPCBL CHOWK AZAM
TOPIC
INTERNSHIP REPORT ON THE PUNJAB PROVINCIAL
COOPERATIVE BANK LIMITED
SUBMITTED BY
Shakila Bano
SUBMITTED TO
Mr. Naveed Arshad
GOVT COLLEGE OF COMMERCE LAYYAH
Bahauddin Zakariya University, Multan
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PPCBL CHOWK AZAM
Dedication:
I dedicate this report to my loving mother and sister and friends without whose help and
encouragement it would not have been possible. For me accomplish this task within the
specific time limit. I was provided with every facility by my mother who was necessary in
order to complete this challenge assignment.
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PPCBL CHOWK AZAM
Acknowledgement:
I am very thankful to “Almighty Allah” the most beneficent, the most mercy full who has
given the strength to complete this task. I am also thankful to branch manager and operational
manager respectively of THE PUNJAB PROVINCIAL COOPERATIVE BANK LIMITED
CHOWK AZAM BRANCH. Without whose guidance and support it would not have been
possible for me to accomplish this assignment.
Furthermore, I am indebted the staff of the Punjab Provincial Bank. From whom I have
gained much experience regarding operational work of bank is concerned.
The last but not the last I convey my credit and thankfulness to the GOVT. COLLEGE OF
COMMERCE, LAYYAH Authorities. Without whose well in time support and guidance it
would be much difficult for me to achieve this task successfully.
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PPCBL CHOWK AZAM
TABLE OF CONTENT
Sr. No.
Contents
Page No.
1
Dedication
3
2
Acknowledgement
4
3
Executive Summary
6
4
The Punjab Provincial Cooperative Bank
7
5
Introduction
7
6
Mission Statement
8
7
Vision Statement
8
8
Objectives
8
9
Department where I worked as internee
9
10
Account Opening Department
9
11
Accounts Department
11
12
Remittance Department
11
13
Clearing Department
12
14
Bill for Collection Department
13
15
Advance and Credit Department
13
16
FINANCIAL ANALYSIS
14
17
SWOT ANALYSIS OF PPCBL
17
18
Strengths
17
19
Weaknesses
17
20
Opportunities
18
21
Threats
18
22
PEST ANALYSIS
19
23
Political Environment
19
24
Economic Environment
19
25
Social Environment
19
26
Technological Environment
19
27
Learning as a student internee (week wise)
20
28
Applications of classroom learning
21
29
Recommendation
22
30
Conclusion
23
BIBILIOGRAPHY
24
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PPCBL CHOWK AZAM
Executive Summary:
The Punjab Provincial Cooperative Bank Limited (PPCBL) established in 1989 and got the
status of scheduled bank in 1994. The Punjab Provincial Cooperative Bank Limited offer
number of products in their customer. There are 151 branches of PPCBL in the whole
country. Functionally The Punjab Provincial Cooperative Bank Limited is divided in the
division and the each division is headed by the general managers.
The government of the Punjab holds the majority of the shares in PPCBL. It is doing business
in commercial banking and the retail banking. Corporate banking treasury and investment
and trade finance. The shares of PPCBL are traded in all three stock Exchanges of the
Pakistan.
During internship, I worked in Accounts opening Department, Accounts Department,
Clearing Department, Remittance Department, Advance and Credit Department and Bill for
Collection Department.
Report will also show you the SWOT analysis, where readers could able to understand
PPCBL strength, weakness, opportunity and threats. At the end the conclusion and the
recommendations are the part of the report. Bibliography is the part, which contain all the
references from I, obtained data to prepare this report.
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PPCBL CHOWK AZAM
The Punjab Provincial Cooperative Bank Limited
Introduction:
The Punjab Provincial Cooperative Bank Limited started functioning with the inauguration of
its first branch of 7-Egerton Road, Lahore on November 15, 1989. The founder of the bank
Mr. Nawaz Sharif performed the inauguration.
The Punjab Provincial Cooperative Bank Limited is working as a scheduled bank with its 151
branches in all major cities of the country. The bank provides all types of banking services
such as Deposit in Local currency, Client Deposits in Foreign currency, Remittances and
Advances to businesses, trade, industry and agriculture. The Punjab Provincial Cooperative
Bank Limited has entered into a new era of science to the nation under the experienced and
professional hands of its management.
The Punjab Provincial Cooperative Bank Limited has played a vital role in the national
economy through mobilization of untapped local resources, promoting savings and providing
funds for investments.
The Punjab Provincial Cooperative Bank Limited has played a vital role in the economy
through mobilization of untapped local resources, promoting savings and providing funds for
investment.
The Punjab Provincial Cooperative Bank Limited has the privilege to discharge its
responsibilities towards national prosperity and progress. Within the couple of years of its
scheduling, the bank has not only carved out for itself prominent niche in the mainstream
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PPCBL CHOWK AZAM
banking of the country but in certain areas it has the distinction of taking the lead. In short
span of time the Bank has been able to evolve a distinct corporate culture through of its
owned-based policies, which are realistic and are on highly professional footings.
The government of the Punjab holds the majority of the shares in PPCBL. It is doing business
in commercial banking and the retail banking. Corporate banking treasury and investment
and trade finance. The shares of PPCBL are traded in all three stock Exchanges of the
Pakistan.
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PPCBL CHOWK AZAM
Mission Statement:
Achieving business excellence by catering the financial requirements of the rural community
at the grass root level through provision of quality services and infused values of cooperation
in a conductive and supportive environment.
Vision Statement:
To be a well structured and efficient Cooperative financial institution for helping its members
and individuals to unite voluntarily for building up their resources and meeting their common
socioeconomic needs through democratically controlled enterprise.
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PPCBL CHOWK AZAM
General Banking:
Deposit Products:

Current Account
Non profit account
Free cheque book subject to average balance Rs. 50,000/No commission will be charged subject to below mentioned average balance
in account
a) Individual for Rs. 25,000/- & above ( maximum 5 waivers to Rs. 0.5
Million PM)
b) Companies for Rs. 200,000/- & above ( maximum 5 waivers to Rs. 5
Million PM)

Saving Account
Initial deposit amount for opening of regular saving account is Rs. 100/- only.
(Bank instructions 1000/-, SBP instruction 100/-)
No monthly minimum balance requirement.
Profit is calculated on the monthly average balance.
Profit is paid semi-annually.
Unlimited transaction admissible.

Assan Account
Facility for low income people
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It opens single or joint accounts
The type of Current Assan Account and Saving Assan Account
On Saving Assan Account the profit will be similar to PLS Saving Account.
This facility to open the Minor Account
Initial deposit amount for opening of Assan Account is Rs. 100/Total debit and credit per month is restricted maximum of Rs. 500,000/
Basic Banking Account\
Non-remunerative account
The minimum initial deposit will be Rs. 1000/No limit on minimum balance, where balance in BBA remains nil for a
continuous six-month period, such accounts will be closed.
No fee for maintaining BBA
Unlimited free of charge ATM withdrawals from the Bank’s own ATM, In
case of withdrawal from BBA through the ATM machines of other bank’s the
respective/ other ban may recover charges for such transactions.
Maximum two deposit transactions and two cheque’s withdrawals are allowed,
free of charge through cash / clearing per month
Statement of account will be issued once in a year.

Monthly Saver Account
Profit is calculated on the monthly average balance.
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Profit paid on monthly basis.
Minimum balance requirement Rs. 50,000/Unlimited transaction admissible
Loan facility also offered against deposit.

Apna Paisa Apna Munafa
Fixed deposit scheme.
Minimum investment amount from Rs. 25,000/Advance profit payment for entire investment period.
Investment period on quarterly basis (from 03 months to 24 months)

Lockers
Lockers facility available for all customers
Three sizes available i.e. Small, Medium and Large.
Key deposit amount is Refundable upon vacation of locker.

KIDs Education Plan
Profit calculation on monthly average balance.
Monthly deposit Rs. 2,000/No deposit limit.
No charges on first standing instructions.
Nomination facility available.
Two free remittances in a month, within PPCBL branches.
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In case of discontinuation the PLS SB rate will apply.
Financial Services
Having dual port folio of Cooperative Bank as well as Schedule Bank, PPCBL is also
providing financial services to Societies as well as individual customers.
1. Services for Societies
Financial Services to Societies

Agriculture Production Loan
Maximum finance up to approved maximum credit limit to purchase Agri
inputs.
Rate of mark up 14% P.A.
Period of finance ranging from 8 to 10 months.
Finance up to Rs. 2 Lac clean, above Rs. 2 Lac against security of agriculture
land.
Sanction of fiancé by the Branch manager

Revolving Credit Society (Crop Loan)
Maximum finance up to approved maximum credit limit.
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Rate of mark up 14% P.A.
Period of finance 3 years with one time documentation.
Annual cleanup of the account once in a year is mandatory.
Required security AGRI land valuing double the amount of not finance.

Live Stock Revolving Finance
Maximum finance Rs. 8 Lac @ one Lac per member.
Rate of mark up 13% P.A.
Period of finance 3 years with one time documentation.
Annual cleanup of the account once in a year is mandatory.
Required security AGRI land valuing double the amount of not finance.

Medium Term Finance (Society)
Maximum finance according to cost of tractor after adjustment of 10% margin
money.
Period of finance 7 years recoverable in 14 half yearly installments.
Under general permission of Registrar Cooperatives, Punjab maximum
finance Rs. 20 Lac @ 5 Lac per member of a society.
Rate of mark up 18% P.A.
Required security AGRI land valuing double the amount of not finance.
Eligibility of the borrower having 40 Kanal of Agricultural land.

Live Stock Project Finance
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Maximum finance 5 Lac per member of a society.
Under General permission of the RCS eight member are eligible.
Rate of mark up 18%
Period of finance 5 years recoverable in 10 half yearly installments
Required security AGRI land valuing double the amount of net finance.
Eligibility of the borrower having 40 Kanal of Agricultural land.
Two borrowers having blood relatives can also apply jointly.

Medium Term Lease Finance Scheme
Maximum fiancé according to cost of tractor after adjustment of 10% margin
money
Period of finance 7 years recoverable in 14 half yearly installments.
Rate of markup is 17%.
Required security AGRI land valuing double the amount of net finance.
Eligibility of borrower having 5 Acres of Agriculture land at least double of
loan amount
2. Services for Individuals
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Financial Services to Individuals

Live Stock Farming Goat & Sheep
Maximum finance Rs. 2 Lac
Rate of markup 19%
Period of finance 1 year repayable in two installments or whole recovery after
1 year
Re-financing facility on timely repayment of finance on the same security
document.
Required security Agri land valuing double the amount of net finance.
Eligibility of borrower having 1 Acre for 1 Lac and 2 Acre or above for 2 Lac.

Live Stock Project Finance
Maximum finance Rs. 2 Lac
Rate of markup 19%
Period of finance 5 years repayable in 10 half yearly installments.
Required security Agri land valuing double the amount of net finance.
Eligibility of the borrower having 40 Kanal of Agricultural land.
Two borrowers having blood relation can also apply jointly.

Medium Term Finance
maximum finance upto Cost of implement after adjustment of 10% margin
money
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Period of finance 5 years repayable in 10 half yearly installments.
Rate of markup 19%
Required security Agri land valuing double the amount of net finance.
Eligibility of the borrower having 40 Kanal of Agricultural land.

Finance against GOLD
Maximum limit of fiannce Rs. 500,000/- against pludge of Gold.
Rate of markup 19%
Finance up to 65% of net value of Gold (35% margin)
Period of finance 1 year

Agriculture Running Finance
Maximum finance upto Rs. 5 Lac
Period of finance 3 years subject to annual clean up of loan.
Rate of markup 17%
Required security Agri land valuing double the amount of net finance.
Eligibility of the borrower having 16 Kanal of Agricultural land.

Medium Term Lease Finance Scheme
Maximum finance according to cost of tractor after adjustment of 10% margin
money
Period of finance 7 years recoverable in 14 half yearly installments
Rate of markup is 16%.
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PPCBL CHOWK AZAM
Required security AGRI land valuing double the amount of net finance.
Eligibility of the borrower having 5 Acre of Agricultural land at least double
of loan amount.

PPCBL Business Finance (Individual)
Maximum finance 0.5 million to 3.0 million
Rate of markup 15%
Required security Urban / Agri land or building valuable double the amount of
finance
Running finance to meet day to day working capital need to business.
Period of finance one year subject to renewal of limit on annual basis

PPCBL Home Loan
Maximum finance 1.0 million to 3.0 million
Rate of mark up 13%
Minimum net salary 50,000/- or above per month as per the latest salary slip
as provided by the borrower
Debt burden ratio will be 50% of gross salary after including monthly
installment of proposed House loan as mentioned in latest salary slip
Minimum age 25 years and maximum age 55 years
Two personal reference and two guarantors who will undertake to pay on
behalf of primary borrower incase primary borrower fails to pay.
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Loan to value Ratio:
Residential Building: 70.0% of market value of house as assessed by
PBA approved Panel evaluator
Construction of open plot: 60.0% of market value of plot as assessed
by PBA approved Panel evaluator.
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Deputy Head HR &
Operation /VP
AGRI Credit and
Recovery Officer
Deputy Head Credit
and Recovery /VP
Operation Branch
Officer
Deputy Head Stat. and
Compliance /VP
Manager / AVP
Cash Officer
PPCBL CHOWK AZAM
Zonal Head’s / SVP
Legal Division
SAM Division
General Administration
Division
Internal Control and
Compliance Division
Audit and Inspection
Division
Risk Management and
Credit Admin. Division
HR Division
Business Development
Division
Operation Division
MANAGEMENT OF BANK
President / CEO
Department where I worked as internee
First Day in The Punjab Provincial Cooperative Bank Limited:
I started my internship program in Punjab Provincial Bank Limited. On first day of my
program I was briefed by the branch manager about different branches of the bank I was also
told the major rules and regulations which were being observed by the management of the
bank I was also giving some briefing by the Manager Operation which proved as a miles
stone during my internship program. I also met different members of the staff in different
branches of the bank where am I SWOT for basic knowledge about those branches. Then I
started my working in accounting opening department.
Account Opening Department:
In First week of my internship program, I worked in Account Opening department.
The opening of an account is the establishment of banker customer relationship. Before a
banker opens a new account, the banker should determine the prospective customer’s
integrity, respectability, occupation and the nature of business by the introductory references
given at the time of account opening.
Account Opening Procedure:

Account Opening Form:
Customer approach to bank and an account opening is given to him for competing and
signed by the account holder at different places of the form.
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
Completion of the Form:
Account form is completed in all respect and checked by the bank officer and is duly
signed by the customer which is also verified by the Operation Manager.

Specimen Signature Card (SSC):
Signature specimen card is compulsory for opening an account in the bank. Without
getting signature of customer you cannot open the account.

Signature Difference Form:
If client signature differs from the CNIC, the signature of the client is taken on a signature
difference form

Computerized Checking:
The bank officer connected via internet to the NADRA website checks the record of his
customer’s social life. If the record of the person is ok, then the officer of the bank
authenticates the record under his signature and stamp and send it to the Branch Manager

Account Number:
Account number is written on the cheque book requisition. After completion of all
procedures, the bank prepares a letter and sends it to the client at his postal address to pay
gratitude to the customer.
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
Cheque Book Issuance:
The first cheque book consists of 25 leaves and no charges are deducted from the account
the account of client. There after bank sends a recommendation for 25, 50 and 100 leaves
with different prices and charges are deducted from the account of clients.
Procedure for Closing of an account:
If customer wants to close the account, he fills up an account closing form and signs there in,
account balance should be zero, approval is taken from the Branch Manager Specimen card is
taken back and is attached with the form and account is closed.
Procedure of issuance of Bank Statement:
A requisition slip is taken from the customer duly signed and the period from which the
customer wants to take the statement. After verification of signature Bank Statement is issue
to the customer and Rs. 55 are deducted from account of customer.
Procedure for ATM/PIN Issuance:
Punjab Provincial Bank Limited provides the ATM facility to its Customers and they can
withdraw their amount at any time through ATM. For issuance of ATM, customer has to sign
an ATM form and Bank office make an entry in the system and within 15 days bank receives
ATM card from Head Office which is given to the customer.
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Accounts Department:
When I completed my training in Account Opening Department, the Branch Manager sent me
to Account Department. In Second week of my internship program, I worked in Accounts
Department.
Account department is responsible for budgeting keeping record of the revenue and expenses
all transaction that are take place in the bank and their physical prove (voucher) are come to
the account department next day these voucher are also posted to computer and the computer
generated report of daily transaction is created in IT department and then they send to the
account department to match or tell to computer generated report and their voucher of daily
transaction and save it as a physical record that these transaction are take place in the bank at
following date.
The report generated by the accounts department on a daily, weekly, monthly, bi-yearly and
yearly is written in a proper format. It is neither necessary nor possible to get acquainted by
all of these reports in a short period of time.
Some of the common reports are: Monthly Assets & Liabilities, Monthly Budget Review
Report, Monthly Monitory statement, Monthly Performance Review Report and Monthly
fixed investment. For these statements, five reports carry extreme importance. The five
reports are: Daily position of advances and deposit, Statement of affairs, Daily exchange
position report, fixed assets statement and Monthly review of performance.
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The account department of PPCBL has to record even the minor expenses of the branch like
tea for staff, stationery for the branch.
Remittance Department:
In Third week of my internship program, I worked in Remittance Department.
Remittance department transfers the fund form one bank to another bank and one place to
another place. In this department collection take place. The Punjab Provincial Cooperative
Bank Limited makes payment of only open cheque on the counter and prohibits the payment
of crossed cheques. Punjab Provincial Bank Limited transfer money from one place to
another place by way of payment order, demand draft, inward collection, outward collection.

Demand Draft:
An order to pay money to the payee who is residing outside the city, Demand draft can be
for a customer who may or may not have and account in the bank but the other person’s
account must be maintained with the bank for which the payer has demanded the demand
draft.

Payment Order:
Pay order is order money but this payment is to be made within city. In other words it can
be said that the payee and the payer should be in one city. In pay order payment can be
made in cash, clearing and transfer.
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Clearing Department:
In Fourth week of my internship program, I worked in clearing department. I learnt their
about clearing of different cheques and remittance handling. I was told there the main objects
of clearing.
I received all the clearing cheques and made a schedule of these cheques after making entries
in outward and inward clearing registers and sent the same to main branch where at all the
cheques were sent to NIFT(National Institutional Facilitation Technology).

NIFT:
NIFT stand for National Institutional Facilitation Technologies. Clearing house of SBP
has shifted a part of its work to private institution names NIFT. NIFT collets cheques,
demand draft, pay order, travelers cheques etc. from all branches of different banks within
city through its carriers and send them to the branches on which these are drawn for
clearing. NIFT prepare a sheet for each branch and send it to each branch as well as to
State Bank of Pakistan where accounts of Banks are settled.
Types of clearing:

Inward clearing:
When cheques of other Banks are deposited in our bank, after clearing these cheques
through NIFT by the other Banks on which these are down. Accounts of customers are
credited.
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
Outward clearing:
When cheques of our bank are deposited in other Banks and these cheques are sent to us
for verification, we debit the cash of our client after verification their account.
Bill for Collection Department:
In Fifth week of my internship program, I worked in Bill for Collection Department.
Bill for collection is the clearing procedure for cheque; draft, bill of exchange, and
promissory note in case that a collection branch and a paying branch are located in different
clearing areas.
Bill of collection provides service to their customer to get payment from the nearer bank at
nominal chargers.
Advance and Credit Department:
In Six week of my internship program, I was worked in advance and credit department.
Advances and credit department is the most important department in the bank in this
department advances are giving to the business man, exporter etc. before giving advance,
credit worthiness of the borrower is taken into account i.e. character, capacity, collateral,
credit terms etc. advances are also given to different banks.
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BALANCE SHEET
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INCOME STATEMENT
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FINANCIAL ANALYSIS
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RATIO ANALYSIS:
In finance, a financial ratio or accounting ratio is a ratio of two selected numerical
values taken from an enterprise's financial statement. There are many standard ratios used to
try to evaluate the overall financial condition of a corporation or other organization. Financial
ratios may be used by managers within a firm, by current and potential shareholders of a firm,
and by a firm's creditors. Security analyst use financial ratios to compare the strengths and
weaknesses in various companies. If shares in a company are traded in financial markets, the
market price of the shares is used in certain financial ratios.
Financial ratios allow for comparisons

Among companies

Among industries

Among the different time periods for one company

between a single company and its industry average
The ratios of firms in different industries, which face different risks, capital
requirements, and competition, are not usually comparable.
Financial ratios quantify many aspects of a business and are an integral part of
financial statement analysis. Financial ratios are categorized according to the financial aspect
of the business which the ratio measures. Liquidity ratios measure the availability of cash to
pay debt. Activity ratios measure how quickly a firm converts non-cash assets to cash assets.
Debt ratios measure the firm's ability to repay long-term debt. Profitability ratios measure the
firm's use of its assets and control of its expenses to generate an acceptable rate of return.
Market ratios measure investor response to owning a company's stock and also the cost of
issuing stock.
Now there are some the calculation of the ratios which are shown in the tabular form
below:
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Ratios
2020
2021
Current Ratio
1.07
1.53
Quick Ratio
0.49
0.88
4884922
39040081
1.28
1.20
0.21
1.48
9.13%
9.14%
0.93
0.91
Net Profit Margin
0.52
0.24
Return on Assets
1.36%
1.89
Operating Income Margin
44.17%
46.19%
Operating Asset Turnover
2.92
2.51
Sales to Fixed assets
2.91
2.63
Return on Equity
17.5%
19.2%
Gross Profit Margin
30.89%
30.60%
Dividend Per Share
0.08
0.11
Earnings Per Share
2.43
1.70
Liquidity Ratios
Working Capital
Sales to working capital
Leverage Ratios
Interest Earned
Debt Ratio
Debt to equity Ratio
Profitability Ratios
Market Ratios
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PUNJAB PROVINCIAL C OOPERATIVE BANK LTD.
BILLION (EPS: RS
2.43) IN FY07-08
COMPARED TO RS
DECLARED PAT OF RS
1
0.985 BILLION (EPS : RS 2.39) IN FY06
REFLECTING A POSITIVE GROWTH MAINLY DUE TO UPSURGE IN NON - INTEREST INCOME . NET
INTEREST INCOME GREW BY
9.6%
TO RS
FY06 DUE TO AN INCREASE OF PKR
4.7
1.93
BILLION IN FY 07 OVER RS
1.76
BILLION IN NET ADVANCES OF THE BANK ALONG
WITH A HIGHER INTEREST RATE SCENARIO . THE GROWTH IN ADVANCES WAS
08,
BILLION IN
13%
IN
2007-
WHICH HELPED THE BANK TO MAINTAIN ITS GROWTH MOMENTUM . IN THE YEAR , THE
PROVISIONS INCREASED BY ALMOST SIX FOLDS FROM
36
MILLION
(2020)
TO
234
MILLION
(2020-21).
Noninterest income augmented by 41.5% to an amount of 1,064 million which is the
major contributor to overall increase in profit before tax (1,476 million) despite of Non
Performing Loans provisioning. This helped the bank to maintain its profitability. The noninterest income increased by PKR313 million during the period ended Dec-2020-21.
The profit after tax has grown by 1.5% in the year 2020-21 as compared to 7.1% and
41.4% in 2020 and 2021 respectively. The profit trend has been falling in last few years. The
falling profitability is in line with the industry, but the Soneri is severely affected than others.
Considering 2007-08, the return on assets stood at 1.36% while the industry enjoyed a 2%
Return on Assets. As compared to the industry (23% Return on Equity), the Soneri had a
Return on Equity of 16.37% which is way less than the competing banks. The bank did not
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pay cash dividends; shareholders were given the option to accept bonus stock of
approximately 30% (99million shares).
The bank deposits have been growing. In 2020-21 alone, these recorded a growth of
13.5% that inflated the deposits to Rs 60 billion (2019: Rs 53 billion). This was the period
when the banks didn't make high profits like the previous years. However, since the
tightening of the monetary policy in 2006, the interest rates on deposits have increased, thus
shrinking the spread that the sector had been enjoying. Moreover, budgetary measures along
with monetary policy are all set to further decline the banking sector's spread in FY08.
The bank's assets have also grown to PKR76.8 billion in 2020-21, a growth of 8.7%
(2019: Rs 70.7 billion). The profits again have not been able to meet the assets growth.
Resultantly, the Return on Assets has declined from 1.47% in 2019 to 1.36% in 2020.
Compared to the industry average of 2.1%, Soneri Bank lacks behind by a fair margin. In line
with the sector's trend, the investments have shown a great increase as compared to advances.
The bank issued new shares worth PKR 997 million. This equity injection was done
to meet the reserve requirements of the SBP and to finance its expansion plans. Overall, the
bank's equity grew by 27.8% in 2020 to PKR 6.61 billion.
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SWOT ANALYSIS of PPCBL
Strengths:

The Punjab Provincial Cooperative Bank Limited has lack of staff members than the
required staff level but its performance level is high as compared with its staff level.

As a result of the compassionate and personalized services of the officers, the clients’
perception for PPCBL is very high. They have trust and feel themselves to be secure
while dealing with PPCBL.

PPCBL has opened all its branches at commercial areas so that the customers or
clients face no problems in reaching to the bank.

One employee in the bank performs many duties.

All staff members treat their account holders/general public with well behavior.

In Punjab Provincial bank, there is computerized system so performance
automatically has been increased having better results.

Good security system, diversification of investments, foreign reserves.

Not excellent but good facilities are given to employees
Weaknesses:

Level of bad debts is improving at higher level.

There is also lack of workplace in the Bank.
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
Lack of proper internal controls is one of the major weaknesses of PPCBL. It is also
pointed by the auditor in his review.

PPCBL has formulized a lot of products and services for its customers, even more
than other commercial banks, but any advertisement on electronic media has not been
seen.

I observed during my internship that some of the employees were burdened with over
work. So I think that the work should be distributed according to their post and
capabilities.

As each staff member performs many duties in one time so this capture extra time
which can slows down the performance.

Due to lack of workplace, staff members as well as the general public face
disturbance in the bank.
Opportunities:

The Punjab Provincial Cooperative Bank Limited compete its competitors by
encouraging agriculture loans. So in such a way it plays an important role for
promotion of agriculture sector.

Information technology is the future of this dynamic world. Therefore PPCBL should
emphasize much on IT, especially on E-Banking. Bank can design a universal account
like other foreign banks, to enhance online facilities.
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
Bank also encourages industrial sector. So in such a way most of industrialists deal
with Punjab Bank

Diversification, innovation and mission driven approach are the key to success.

PPCBL has introduced a number of financial schemes including special ‘Deposit
Accounts’. These accounts have their unique features.

Great opportunity of starting Islamic banking system.
Threats:

Increase in no. of banks

Modern type of banking

The whole structure change to online

Customer’s complaints Currently

PPCBL is facing a strong competition by its competitors, Business of all these Banks
are growing at very high pace.

Low security, economic and political instability.
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PEST ANALYSIS
Political Environment:
When we are concerning about the political situation and the back ground of the country, we
can see it has good stable government and political environment to develop Pakistan business
without any problems or crisis. After over 50 years Pakistan is rapidly developing and foreign
and local private investors are starting their investments in Pakistan because of this peace full
environment is very good for developing their business. So, the banks have a vital role of this
rapidly developing economy because of this peace full environment is pretty much suitable
for developing the business.
Economic Environment:
When we are concerning economic factors which are affecting in to the banking industry and
the financial market of Pakistan, mainly we can see the economic environment is very good
& strong to develop the industry since it is open and highly competitive rapidly growing
market. Also the economy is developing rapidly it creates more opportunities to develop
business related services such as transport, Insurance, finance, advertising & etc. Because of
very good economic back ground the demand of financial services such as corporate banking,
leasing, loans & drafts,
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Social Environment:
When we are concerning about the social environmental factors relating to the banking
industry it has to focus customers age, cultural values and believes, income status, social
classes and their behavior in order to develop and create competitive products and services
and gain more competitive advantage in this rapidly changing highly competitive market.
Social attitudes and believes are not strong in the rural community about the banking sector.
So the Banking company have good opportunity to expand their market segments by well
aware and attract more rural people to the banking industry and the financial market.
Technological Environment:
When we are analyzing about the technological environmental factors which are affecting
Pakistani banking Industry and the financial market, as we all know technology is rapidly
changing in daily so we have to develop our service according to rapidly changing modern
technology otherwise our products and service become out of date. Also in this fastest
growing modern technological world the financial sector is the one of most fastest changing
field in the world. Because the world is now become a cash less society they are using E
money such as credit cards, debit cards, E banking and online banking and etc. Also the
world is changed the customers are not present in the bank at over the counter all are can be
done by on line with in few seconds via internet at pleasure of home.
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Learning as a student internee (week wise)
1st week:
In First week of my internship program, I worked in Account Opening department. I learnt
about Account Opening department.
2nd week:
In Second week of my internship program, I worked in Accounts Department. I learnt about
Accounts Department.
3rd week:
In Third week of my internship program, I worked in Remittance Department. I learnt about
Remittance Department.
4th week:
In Fourth week of my internship program, I worked in clearing department. I learnt about
clearing of different cheques and remittance handling.
5th week:
In Fifth week of my internship program, I worked in Bill for Collection Department. I learnt
about Bill for Collection Department.
6th week:
In Six week of my internship program, I was worked in advance and credit department. I
learnt about advance and credit department.
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Applications of classroom learning
Marketing management:
I saw the employees in the marketing department of an organization are responsible for
communicating to customers or clients why they need to purchase the goods or services
offered. Marketing relays information to customers or clients and helps establish the overall
image of the brand.
HRM:
The human resources management team suggests to the management team how to
strategically manage people as business resources. This includes managing recruiting and
hiring employees, coordinating employee benefits and suggesting employee training and
development strategies. In this way, HR professionals are consultants, not workers in an
isolated business function; they advise managers on many issues related to employees and
how they help the organization achieve its goals.
Accounting and Finance:
In an organization, the financial accounting function is responsible for periodically reporting
pecuniary information to business owners. Interested parties such as regulators, customers,
investors and creditors often require this financial information. If banks refuse to rely on your
accounting records, you will have trouble securing loans for your business. Financial
accounting dictates the amounts you owe to suppliers, what customers owe you, operating
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costs, payroll costs and available cash. You can use financial accounting to analyze
significant aspects of your business, such as monthly sales or the reasons for high expenses in
one month.
Principles of Management:
Management principles are guidelines for the decisions and actions of managers. The
Principles of Management are the essential, underlying factors that form the foundations of
successful management.
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Recommendation:
The Recommendation for the findings from the study is follows:

PPCBL are required to motivate their supervisor, branch managers that they treat with
their employees fairly

PPCBL should improve its Performance appraisal system and it must be on merit

Employee training is essential, PPCBL should conduct training program for their
workers.

PPCBL should make a good working condition; e.g. branch physical environment,
working desk etc. if possible avoid overcrowding and allow each worker his or her
own personal space.

PPCBL should administer the associate performance review program

PPCBL should build a formal recognition program, like employee of the month. Etc.

PPCBL should care employees bonus, incentives and stock options

PPCBL should motivate its employee with effective communication

PPCBL should follows the sound recruitment policy

PPCBL should also adopting a good marketing concept, advertising strategy,
promotional activities
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Conclusion:
Internship is an interesting program, which gave me the practical touch of the banking field.
Through this, I learnt that what is the banking and its activities. I learnt from the bank officer
and understood the operations of banking. This training program enhanced my knowledge
about the banks.
During internship, I worked in Accounts opening Department, Accounts Department,
Clearing Department, Remittance Department, Advance and Credit Department and Bill for
Collection Department.
The investments, which are the part of earning assets, also decline. Therefore, the sources of
the other income also decreased. The Branch is housed in small a banking premises which
does not suffice the requirements of visiting clientele as well as corporate clients of the Bank.
By having a glance over the current business of the branch, the same should immediately be
shifted to some spacious building so that best banking services can be offered to the bank
customers.
Almost 90% branches of PPCBL are located in Punjab even in Karachi the hub of economic
activities of Pakistan only 11 branches. Therefore, the market coverage of PPCBL is much
lower. The political factor cannot be avoided in this regard because the Government of
Punjab holds the majority of the shares so the government intervenes in the bank activities.
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BIBILIOGRAPHY:

www.PPCBL.org.com

www.PPCBL.org.pk

www.google.com

www.scribd.com

www.pba.com.pk

www.brecorder.com.pk

www.investopedia.com
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