INTERNSHIP REPORT ON

MUSLIM COMMERCIAL BANK

BATTAGRAM

SESSION 2019-2023

SUBMITTED BY

NAQASH

ROLL NO 55720

BBA (HONS)MARKETING

DEPARTMENT OF MANAGEMENT SCIENCE

HAZARA UNIVERSITY MANSEHRA

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APPROVAL SHEET

SUPERVISOR

Name SAJJAD AFRIDI

Designation _____________

Signature _______________

EXTERNAL EXAMINER

Name __________________

Signature __________________

CHAIRMAN

Name Dr Muhammad Yasir

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 DEDICATION

I dedicate this report to my beloved parents . My parents sacrificed their personal wants
for my education and beside they provided me effortless means for my education while
taking all the financial stress and burden on their shoulders. Besides, I dedicate it to my
Professors who helped me.

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ACKNOWLEDGEMENT

First of all I will thanks to Allah almighty who is most merciful and kind, blessed me
with talent, skills, effort, strength, and knowledge.

As an internee in Muslim commercial bank battagram, it was a great experience for me to

interact with customer and meet new customer with different mentalities which enhanced
my learning. I got professional skills in field which proven me as a right person for this
type of work. I am thankful of Muslim commercial bank of battagram who offered me an
opportunity.

I am thankful to_______ his supervision makes me able to fulfill this task. He keep
checking my work and provide his all attention to me during my work. He never let me
discourage during my practical work and till the completion of the internship process.

It was a great experience for me . I have met professional in field and learned a lot from
them. And I will best use this experience in my future to build a successful career.

Sincerely

__________________

BBA(MARKETING)

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PREFACE

Being a student of undergraduate program in Hazara university Mansehra it is mandatory

to do internship any reputable organization and then write a report on it. This report is
prepared to analyze the bank and its function from its inception until 2022.It includes
introduction history and information about products and services of MCB.The company
will have to work smarter by looking at the needs of customers and have to give tough
time to its competitors. The report also includes the thorough analysis of the bank.

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Table of Contents
DEDICATION.................................................................................................3

ACKNOWLEDGEMENT...............................................................................4

PREFACE........................................................................................................5

TABLE OF
CONTENT………………………………………………………………......6

EXECTIVE SUMMARY..............................................................................10

CHAPTER 1.................................................................................................11

INTRODUCTION TO REPORT...................................................................11

1.1 Introduction.......................................................................................11

1.2 Background Study.............................................................................11

1.3 Objectives of Studying the Organization..........................................11

1.4 Scope of the Study................................................................................12

1.5 Methodology of the Study.................................................................12

1.5.1 Primary Data Collection....................................................................12

1.5.2 Secondary Data Collection.............................................................12

1.6 Limitations of the Study....................................................................13

1.7 Purpose of the Report.......................................................................13

CHAPTER 2..................................................................................................14

OVERVIEW OF ORGANIZATION............................................................14

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 2.1 Introduction.......................................................................................14

2.2 Background of MCB.........................................................................14

2.3 Nature of the organization.................................................................14

2.4 Top Management of MCB.......................................................................17

1. ManagementCommitteeof MCB................................................................17

2.Board of Director MCB..............................................................................17

2.5 Overview of Departments .....................................................................21

CHAPTER 3..................................................................................................25

Marketing view..............................................................................................25

3.1 Product and services ...............................................................................25

3.3 MarketingMix......………………………………………………………27

3.4 PESTLE Analysis..…………………………………………………….28

CHAPTER # 04.............................................................................................30

MCB BANK SWOT ANALYSIS.................................................................30

4.5 Customer analysis....................................................................................34

CHAPTER 05................................................................................................35

CONCLUSION AND RECOMMENDATIONS...........................................36

5.1 Conclusion............................................................................................36

5.2 Recommendations................................................................................37

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 EXECUTIVE SUMMARY
This report contains a lot of knowledge that allows one to quickly grasp where Muslim
Commercial bank stands and main operations I have undergone. It covers the introduction
of organization, vision and mission statement, which is essential to fully comprehend it.
In addition, I have included details about the Muslim commercial bank activities. The
SWOT review, which is one of its most critical parts and encompasses almost all its
Strength, Weaknesses, Opportunities, and Threats.

As a student of management sciences, the requirements of the BBA are doing internship
in any organization. I am the student of BBA and my specialization is in marketing.

Muslim Commercial Bank is a competitive bank. So, I choose Muslim Commercial Bank
for my internship and worked in many departments included credit department,bills and
remittance, account opening etc.

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Muslim Commercial bank is one of the oldest banks of Pakistan and also shared a unique
bond with Pakistan.

CHAPTER 1

INTRODUCTION TO REPORT

1.1 Introduction

It is the eight weeks result as an internee in MCB Main branch Battagram. After the
completion of university course work this report is must for the student of BBA
degree. That’s because the student is restrict to write eight-week report on specific
organization or institution where they done their internship.

My internship at MCB helps me to take a glimpse of it .

1.2 Background Study

In department of management science, it is compulsory element to prepare internship

report for the proper completion of BBA horns degree. In university we have just

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studies some formulas theories and books but in the internship, we work practically on
what we study in university and this internship will help us to make report and use our
knowledge practically what we have

1.3 Objectives of Studying the Organization

Some objectives are

1. For the learning of practical work

2. To fulfil department requirement

3. For the degree completion

4. To learn about Pakistan banking sector

5. The use of knowledge in practical world.

1.4 Scope of the Study

It was very hard for me to learn all the process of bank in time of eight week so I mainly
focus on some of the target functions of bank. I have worked in some field in MCB
that’s are

1. Remittances of the bank

2. Layout of the bank

3. MCB online banking

4. MCB e banking

5. Customer relation

6. ATM

1.5 Methodology of the Study

Categories of data

 Primary data collection

 Secondary data collection

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1.5.1Primary Data

Primary data collect from Employees’ interview

1. The data collect from Observation inside the bank

2. The data also collect from the Distribution of the questionnaire

3. The data collect from the Interview of the customer

1.5.2 Secondary Data

1. The data collect from the annual reports

2. The data collect from the internets

3. The data collect from the brochures

4. The data collect from the news paper

5. Collect data from the booklets

6. Collect from the website of Muslim commercial bank

7. The data are also collected from the journals

8. From some social media pages

9. The data collect from different magazine

1.6 Limitations of the Study

During my work there are some limitations in MCB the following are the limitation
during the work

The first limitation is that internee is not allowed to access the whole system due to the
secrecy of the bank to understand all the process of MCB its take too many times because
the MCB provides many services. In this eight week I try to understand as possible as I
can. The internee is not allowed to read every files

1.7 Purpose Of The Report

The internship report main purpose is to fill the gap between the learning in the
university and the practical work in internship.

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I have learned many things during my internship that I have not learn in university so
that many of things that person learns from practical work. The one of the most
important purposes is that after completion of the BBA degree the degree cannot be
awarded from the department of management science

CHAPTER 2

OVERVIEW OF THE ORGANIZTION

2.1 Introduction

MCB stand for MCB bank limited it was established in 1947 MCB is one of the
oldest and most reputable banks in Pakistan which has contributed in economy of
Pakistan to a greater extend. Muslim commercial bank has in their initial stages got a
good Enough Success and a high demand. It was privatized back to 1991.

Currently it become one of the best banks in Pakistan. They are progressing day by
day due to their good and efficient working they are Continuously improving their
services and quality to become a quality bank.

2.2 Background of MCB

MCB limited was established in 09 July 1947 by Adam Jee group as a limited
company under section seven the Indian companies act. The MCB was established for
the purpose to facilitate the business community of south Asia. . In June 2008 the
bank was owned by the Nishat group. The majority stake owned by the Nishat Group
the bank. M.U.A Usmani is the president of the bank

Nishat group is one of the reputable business groups in Pakistan and it was established
in 1948 the chairman of Nishat group and MCB bank is main Muhammad Mansha.
After the privatization the growing rate of MCB is very fast. MCB is reputed in one of

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the soundest financial institutions and also rank in leading banking in Pakistan and
become international bank in Pakistan approximately deposit in PKR is 462 billion
with the assets of round about PKR 605 billion. MCB play a crucial role to represent
the Pakistan in international banking.

2.3 Nature Of Organization.

Vision of MCB

To developed a good relation between bank and customer and provide the one of the best
service provider banks of Pakistan and make their future well

Mission of MCB

To be the leading financial services provider, partnering with our customers for a
more prosperous and secure future.

Core Values of MCB

Following is the core value of MCB

 Excellence

MCB is the one of the most responsive banks in Pakistan. MCB is heavily depended on
the commitment which they are making with their all-stake holder

 Respect

Respect is one of the most important elements in every department or organization.

MCB is trying hard for the provision of respect to their stake holder they have plant a
complaint box and online system for their customer and employee

 Innovation

MCB are well coming to the new idea and innovation strategies and there is a reward
system to encourage their employee to bring the new innovation

 Customer Centricity

The most important thing is the customer centricity because customer is the key which
give you success or failure in any business so they are trying to fulfill the customer
commitment as well as the attraction of the customer

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  Integrity

MCB are one of the most trustful organizations as they are performing so people can
trust on it because they are highly depending on the integrity of their employee and as
well as for their customer

Objectives of MCB

The following are the objectives of MCB

 Staff motivation
 To bring a quality service for their customer
 To bring innovation and also generate new idea
 Hiring a professional and expert
 To operate globally
 They performed their assigned duties on time

Dimensions

MCB is one of the most growing and leading banks of Pakistan and they are trying to
facilite people in such sectors

 Commercial banking sector

 Agriculture sector

MCB has established in 1947 but they started their operation in agriculture sectors in
1973. They have established many branches of agriculture sectors for the supporting of
Pakistan former. The MCB also provide equipment and loans to former for short- and
long-term basis

MCB has many branches in overseas mean operating in many other countries. Now there
are 1200 branches of MCB in Pakistan

Business Volume

In number of branches the MCB has 1200 branches which operating in Pakistan and
many number of branches which operating in foreign countries. MCB install more
than 700 ATM machine for customer to withdraw their cash 24 hours

Headquarter of MCB

Head office is in Karachi

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Number of Employees of MCB

MCB have round about 13000 employees.

2.4 Top Management of MCB

1. Management Committee of MCB

CEO and president of MCB Imran Maqbool

Head operation of MCB Agha Saeed khan

MCB finance Iqbal Chugtai

MCB overseas business group head Umar Ali

MCB wholesale business MuhtashimAshai

MCB FX and treasury group head Muhammad Ramzan

MCB HRM group head Usman Hassan

MCB special Assets Management LaqaSarwar

MCB CSR and securities group Kalsoom Akhter

MCB Management of risk group head Muhammad NaumanChugtai

MCB LA Group head Muhammad Ghazabfar

MCB Head of IT Bilal Imtiaz

MCB Business of Retails head DurraniMumtaz

MCB Retails Banking South Afzal Khan

MCB Islamic Banking Group head Mian Mamoon

2.Board of Director MCB

Chairman of MCB Main Muhammad Mansha

Voice Chairman of MCB S Muhammad Munir

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President and CEO Imran Maqbool

Board of Director Rafi Khan

Board of Director Muhammad Shehzad

Board of Director Sarmad Amin

Board of Director Mian Raza Mansha

Board of Director Yasir Khan

Board of Director Anwar Zeb

Board of Director Aslam Ahmed

Board of Director Ismail Bhugtao

Board of Director Mian Umer Mansha

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2.4.1 Organizational Hierarchy of MCB

PRESIDENT

SENIOR EXECUTIVES VICE PRESIDENT

EXCUTIVE VICE PRESIDENT

SENIOR VICE PRESIDENT

VICE PRESIDENT

ASSISTANT VICE PRESIDENT

REGIONAL GENERAL MANAGER

BRANCH MANAGER

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2.4.2 Branch Hierarchy

BRANCH
MANAGER

OPERATION GENERAL
MANAGER BANKING OFFICER

CASHIER TELLER PEONS

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2.5 Overview of Department s

Accounts department

In baking sector, the account department is known as back bone of organization. In

running of banking services, they play a major role. Account department is responsible
for

 Opening of account
 Account closing
 Account maintenance
 Cheques provision
 ATM cards

Types of Account

There are three main types of account are such is

 Current account
 Saving account
 Fixed deposit account

1. Current Account

This is the very common type of account it can be open by anyone who have the id
cards. The current account has no special requirement simply you have to deposit 1000
rupees and no limit is maximum amount in your account. The account require is just
your id cards and next to kin

2. Saving Account

Saving account are also common account and this same like current account but here the
change is in saving account the customer is take interest and that’s may be on annually

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semiannually or quarterly basis. There is deduction of sachet here if customer wants to
quite so they have to write affidavit. Same is the requirement like current account

3.Fixed Deposit Account

Fixed deposit account is offered for specific time duration from seven to ten days. This
is the special type of account offered by MCB of Pakistan and depends on the bank
and its customer and it totally change from current and saving account

In fixed deposit account the agreement is sign between customer and the bank in
which everything is specified like duration of the account and amount and the receipt
of deposit is given to customer and bank also kept the receipt

Nature of Account

Nature of account mean that as customer wish which type of account customer want to
open it depend on customer. The following account offered by Muslim commercial

 Single Account
 Joint Account
 Private Limited Account
 Partnership Account

For opening a account these are some requiremnts

 ID card of customer
 Bio data
 Income certificate
 Address
 RM report

Department of Remittance

Department of remittance is very important department for the transaction of money

remittance department have two type the inward and out ward

1. Inward Remittance

Inward remittance transacts the inside the boundary wall of the county through account
ATM and open deal

2. Outward Remittance

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Outward remittance makes the transaction from foreign county and its may be from

Saudi Arabia England America etc

Payment Department

In the payment department in the bank is responsible to give customer mean to

withdraw the cash from their account and transaction may be in the form of

 Cheques
 ATM card
 Online fund transfer
 Reciept

Clearing Department

Clearing department is responsible for exchange the cheques and other negotiable
instrument in a specified area drawn on each other and thereby through specified time
to make a secure payment in an efficient way.

Foreign Exchange Department

In Foreign exchange department the MCB exchange the money of different countries.
This department is responsible for the trade of the countries and they are dealing in
riyals dollars dirham etc.

Advance Department

It work for the provision of the loan’s former of the country and some of other people the
following loans are offered by MCB

1. Student loans

2. Industrial loans

3. For mini business loan

4. Agriculture loans

5. For housing loans

6. Car loans

7. Loan against the gold

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For getting the loan, the following requirement, they need two witnesses any type
collateral provide to bank.

Simple criteria is usually used

1. ID card of the customer

2. Pakistani nationality

3. Collateral

4. Witnesses

5. Income certificate

6. Experience

Customer Services Department

There are some services of this department

1. Considering feedback of customer

2. Provision of services

3. Facilitating the customer

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 CHAPTER 3

MARKETING VIEW PRODUCT

 MCB Master Card

MCB master card is a good initiative by the MCB bank from the master card you can
perform some activity some function of master card i-e

To withdraw money from anywhere

Payment of bill (PTCL, electricity, utility, gas etc.)

 MCB Car Cash

MCB car wash is very good scheme for the customer who want to buy their own car
but they have financial problem so MCB can help them to provide loans from very low
markup set and can finance a various car through MCB car cash and the duration of
this is five years

 MCB Khushali Bacht Account

MCB KHUSHALI bacchant are the monopoly of MCB bank and this account for the
people who want to save their money there are some features of this account which are

1. No extra charge

2. Payment of bills

3. Offered 8% interest on yearly basis

4. Interest can be paid on semi annually

5. Interest is calculated on daily basis

 Mahana Khushali Scheme

In MAHANA KUSHALI SCHEME MCB bank provide a very good interest rate on the
deposit of customer on the monthly basis

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  MCB Rupee Traveler Cheques

MCB rupee traveler cheques are one of the most convenient instruments of MCB
bank. It’s better than money in pocket to travel its safe and easy way to traveler and
money have in their account

 Fax Press

In fax press the customer can transfer the money from one city to another city by using
the fax machine and the bank give you guarantee. The money can transfer in half an
hour

 Fund Management Scheme

The fund management scheme is for the upper-class business man they have a good
and attractive return on it as compare to other. The account is open to sell the
government securities

 Capital Growth Certificate Scheme

Capital growth account is actually to increase the growth. In this account the amount
would be double at the end of five years and this is for the long-term depositor. There
is no maximum limit of amount to open this account and minimum amount rate is RS
10,000 to open the account. If the customer wants to withdraw their amount before the
maturity so interest will be given to PLS interest rate

3.2 MCB Services

MCB has Islamic banking system in its bank this is new trend now a days and operate all
over the world they provide loans and create deposit without any type interest

1. Utility Bill Collection

MCB always try to facilitate their customer through collection of their bills. The utility
bill collection facility is available in more than thousands of branches of MCBMCB
always try to give more and more facility to their customer

2. MCB Mobile Banking

MCB provide the facility of the mobile banking from the mobile banking facility
customer can take more and more profit because if you want to keep up to date from

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your account then you have got access to your account through mobile banking from
mobile banking you can pay bill and also transfer of money

3. MCB Payara Ghar

MCB provide the facility to those customers who want to make their own house for
those people MCB offered a very low markup rate to their customer to build they’re on
their choices or as they wish

4. MCB Locker

The MCB offered the facility of locker to their customer to keep their expensive thing in
this locker and its available most of the branches of MCB

5. MCB Virtual

MCB virtual mean that MCB provide the facility of the banking through internet either
you ate in office home or anywhere you can get access to your account by just log in
through www.mcb.com.pk

6. MCB Remit

In MCB remit the bank can offered to their customer to send money through MCB remit
from one city to another or country

3.3 Marketing Mix

PRODUCTS

 MCB Master Card

 MCB car cash

 MCB Khushali bachat account

 Traveler cheque
 MCB locker
 MCB Pyara ghar
 MCB Mobile banking
 Utility bills collection

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PRICE

MCB sets the prices of its products after checking their quality and considering factors
such interest rate, fees or charges related with it also keeping on competitive forces.

PLACE

MCB has a wide network (branches and ATM) all over the Pakistan further it is also
providing e- banking services making the access easy for its customers .

PROMOTION

It uses multiple means to create awareness about its services to the target market.

Channels/Means such as; Television radio print media email marketing Public relations
Direct marketing and other online channels etc

3.4 PESTLE ANALYSIS

In this analysis I have listed some factors that can affect the banks performance and
image.

Political factors

Such as Government rules and regulations regarding banking industry.

Economic factors

Economic growth, Interest rates, Inflation and currency rate etc

Social factors

Demographic trends, Customer behavior Social expectations.

Technological factors

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Digital transformation

Fintech disruption

Legal Factors

Regulatory compliance

Intellectual property protection

Environmental Factor

Sustainability and Green banking

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 CHAPTER 04

MCB BANK SWOT ANALYSIS

The SWOT analysis is doing in every bank or in every organization because they to
know the position of business. In SWOT analysis there are four elements which are
used in SWOT analysis which must be measurable and observed. In SWOT analysis
the firms know its strength and weaknesses opportunity and threats

 Opportunity
 Threats
 Strength
 Weaknesses

In business every step is taken for the purpose of to increase the sale or profits and every
step have some reason the SWOT analysis are taken for the reason and that is

1. To measure the firm position

2. For decision taking

3. Changes in the organization

4. Bringing the new development

5. Merits and demerits analyzing

This is the very important and very useful analysis for every firm because from the
SWOT analysis firm know their current position in the market and take the decision
according the market requirement if need then bringing new changes in SWOT
analysis the first one is the

4.1 Strength

In SWOT analysis the first one is strength first of all organization have to find their
strength for the MCB bank the strength of the bank is following

1. High market share

2. Diverse productline

3. Wide network

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 4. Innovative

5. Reliable as compared to other banks

6. Focus on customer service

7. Efficient Risk management

8. E-banking

9. Experienced team

10. CSR

4.2 Weaknesses

1. Weak marketing

2. Nepotism

3. Work load

4. Dependency on traditional channels

5. Limted global network

6. Insufficient Human resource

7. Economic and Political Risks

8. Reputation Challenges

4.3 Opportunities

 Digital Alteration
 Increasing Financial Insertion
 SME and Corporate loan
 Cross-Border Trade and Remittances
 Wealth Management and Investment Services
 Sustainable Banking
 Strategic Partnership

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4.4 Threats

 Fierce Competition
 Regulatory and Compliance Risks
 Economic changes
 Interest Rate ups and down
 Technological Disruption
 Credit and Market Risks
 Reputation Risks

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Strengths Weaknesses

Threats Oppurtunities

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4.5 Customer analysis

It operates a strong and wide network of over 1,400 Branches and over 1,450 ATMs in
Pakistan and an overseas footprint in UAE, Bahrain and Sri Lanka. With a customer base
of over 8 million, MCB leads the banking & financial services sector in Pakistan and
customers across the globe have 24/7 access to MCB Bank via our World Class Internet
Banking. The Bank on group basis is operating the 2nd largest network of more than
1,600 branches in Pakistan. The Bank enjoys highest local credit ratings of AAA / A1+
categories for long term and short term respectively issued by PACRA.

Competitor Analysis

In the part that describes MCB Bank Ltd. competitors and the industry in whole, the
information about company's financial ratios is compared to those of its competitors and
to the industry. The unique analysis of the market and company’s competitors along with
detailed information about the internal and external factors affecting the relevant industry
will help to manage your business environment. Your company’s business and sales
activities will be boosted by gaining an insight into your competitors’ businesses. Also the
report provides relevant news, an analysis of PR-activity, and stock price movements. The
latter are correlated with pertinent news and press releases, and annual and quarterly
forecasts are given by a variety of experts and market research firms. Such information
creates your awareness about principal trends of MCB Bank Ltd. business.

32
4.7 Porter Five Forces Analysis

The Porter’s five forces analysis studies the industry of operation and helps the company
find new sources of competitive advantage. The analysis surveys an industry through five
major questions:

What composes a threat of substitute products and services?

Is there a threat of new competitors entering the market?

What is the intensity of competitive rivalry? How big is the bargaining power of buyers?
How significant is the bargaining power of suppliers?

VRIO Analysis VRIO stands for Value, Rarity, Imitability, organization. This analysis
helps to evaluate all company’s resources and capabilities and bring them together into
one aggregate table that includes:

Tangible resources

Financial Physical Technological

Organizational Intangible Resources

Human Innovation and Creativity

The result of the analysis gives a clear picture of company’s competitive and economic
implications, answering the questions if the resources mentioned above are:

Valuable? Rare?

Costly to imitate?

Organized properly?

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4.8 PESTEL Analysis:

PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence
different outside factors – political, economic, sociocultural, technological, environmental
and legal – exert on a business to later chart its long-term targets. Being part of the
external analysis when carrying out a strategic assessment or performing a market study,
PESTEL gives an overview of diverse macro-environmental factors that any company
should thoughtfully consider. By perceiving these outside environments, businesses can
maximally benefit from the opportunities while minimizing the threats to the organization.

Key Factors Examined by PESTEL Analysis:

Political:

What opportunities and pressures are brought by political bodies and what is the degree of
public regulations’ impact on the business?

Economic:

What economic policies, trends and structures are expected to affect the organization,
what is this influence’s degree?

Sociological:

What cultural and societal aspects will work upon the demand for the business’s products
and operations?

Technological

What impact do the technological aspects, innovations, incentives and barriers have on the
organization?

Environmental

What environmental and ecological facets, both locally and farther afield, are likely to
pre determine the business?

Legal

34
What laws and legislation will exert influence on the style the business is carried out?

CHAPTER 05

CONCLUSION AND RECOMMENDATIONS

5.1 Conclusion

MCB bank plays a significant role in developing of economy providing a large

amount of job to people of Pakistan. And provides easy access to the community for
their transactions

MCB bank is one of the leading organization that are privatized and it is also one the
oldest bank of Pakistan. The bank offeres ttractive product and services.In my
internship time period, I found that the staff of the MCB is very hard working and
MCB is one of the best banks of Pakistan. The staffs is also well mannered .For better
performance of the organization, the bank have hired a expert and professional staff
and they are always trying to bring new ideas and facilitate the customers through
modern ways .MCB staff has and loyal attitude towards their work with zeal and
enthuasiasm. Banking sectors are playing a catalyst role in developing the economy of
a country .Being an intern I found MCB team cooperative. The internship is very
important for the student because from this internship a person can analyze the
organization and along with it he/she can analyze their own capabilities .in a better
way

35
5.2 Recommendations

At first I think they need some of the young talent /fresh graduates because some
of employees are not well known with the latest technology so there is high
workload on existing employees therefore they lag behind . If they hired a young
employee in this way their workload would be lessened.

1. They have to acquire some new system because some of the existence system is
not working in the rush time

2. Manager has to properly concentrate on the promotion etc. because some

employees are still having a same post from a many year.

3. I think they have to arrange a monthly basis meeting and all employees discuss the
issues which occur in the branch or to the employee and find out a proper solution
of the problem

4. Internal audit system must improve for the betterment of the organization

5. There must be reward system in each and every branch of the bank and for the
employees to get relief from the tension for those employees which doing a best
effort for the betterment of organization

6. The most important thing is the training they have to arrange a training session for
the new employee to increase their efficiency and productivity

7. Salaries of employee some employee has a very low salaries and they are not
enough for his requirement so the organization have to focus on this. This is very
important aspect which effect the employee’s productivity

8. Reward system must be on the merit

9. The bank has to provide the facilities of pick and drop system for the better
utilization of time and also provide allowances to make their employee loyal,
sincere toward organization means provide all the basic need.

36
 Reference
https://www.mcbgroup.com/en/handler/DownloadFile?f=%2Fen
%2Fmedi a%2FMCB%2520Group%2520Ltd%2520Annual
%2520Report%25202017_tcm67-22316.PDF
 Annual report of MCB bank
 MCB Bank Wikipedia
https://en.wikipedia.org/wiki/MCB_Bank_Limited
 Official Account of MCB Bank

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