1. In the name of Allah the most beneficent ,the most merciful

2. Muhammad Khalid Mc
MBA
Finance

3. Muslim comerial bank limiled
Internship report on
MCB
Muslim comerial bank limiled

4. Introduction to MCB Bank Ltd.
A bank is a financial institute which
deal in money And credit.
It receive the deposit and make the
loans

5. History of MCB bank
Muslim commercial bank limited. MCB bank is the one of the leading bank of the Pakistan MCB have the experience over 50 year in Pakistan and the hard work which make it leading organization in the present scenario .MCB is not make the overnight success story but behind the success of the MCB is the hardworking and the full dedication MCB incorporated by the Adamjee group, during in 1960s the bank grew rapidly with the concentration on trade finance products. In 1947, MCB was nationalized along with the private bank and then MCB privatized in 1991 during the Nawaz Sharif‘s government financial sector deregulation policies

6. Deposit schemes of Islamic Banking
Product and Services of MCB
Deposit schemes of Islamic Banking
Al-Makhraj saving
account
IANAT account
Al-Makhraj TDR
Deposit Product
Saving 365 gold
Saving extra
Smart dollar account
Saving account
Current account
Current life account
Foreign currency
account
Other Products
Auto loan
Credit Cards
Visa Debit card
MCB visa platinum
MCB visa
MCB visa Prepaid

7. Competitor of MCB United Bank Limited Allied Bank Limited
Habib Bank Limited
Askari Bank Limited
Alfalah Bank Limited

8. Business volume of MCB Details 2008 2009 2010 443,615,904 509,223,727
Total Assets
443,615,904
509,223,727
567,552,613
Deposits
330,181,624
367,604,711
431,371,937
Advances-net
262,135,470
253,249,407
254,551,589
Investments-net
96,631,874
167,134,465
213,060,882
Shareholder’s Equity
52,244,865
61,075,932
488,348,404
Profit before Taxation
21,867,566
23,154,945
26,253,075
Profit after Taxation
15,374,600
15,495,297
16,873,175
Earning per Share(Rs.)
22.25
20.38
22.20

9. Chief Financial Advisor
Organizational Hierarchy Chart
President
Chairman
Vice president
Senior Vice President
Chief Financial Advisor
Audit Committee
Regional Manager
Branch Manager

10. Training Program Starting Date Ending Date 10 November 2011
24 December 2011

11. My Working Departments
Week
Departments
2 Weeks
Account opening
3rd Week
Cash
4th Week
Credit
5th Week
Clearing
6th Week
Remittances

12. Ratio Analysis

13. Ratio analysis
Muslim Commercial Bank Limited
(Net profit after taxation / net sale) * 100
Net profit margin
Year 2008
Year 2009
Year 2010 /
*100
= % /
= 30.02%
/ *100
= %

14. Ratio analysis
Muslim Commercial Bank Limited
Net interest margin / mark-up earned
Gross spread ratio
Year 2008
Year 2009
Year 2010
28,483,084 / 40,043,824
=0.71 times
35,774,544/ 51,616,007
=0.69 times
36,833,529/ 54,821,296
=0.67 times

15. Ratio analysis
Muslim Commercial Bank Limited
Non interest income / total income
Non Interest income to total income ratio
Year 2008
Year 2009
Year 2010 /
=0.43 times /
=0.39 times /
=0.41 times

16. Ratio analysis
Muslim Commercial Bank Limited
Interest earned / interest expenses
Spread ratio
Year 2008
Year 2009
Year 2010
40,043,824/11,560,740
=3.46 times
51,616,007/15,841,463
=3.258 times
54,821,296/17,987,767
=3.047 times

17. Ratio analysis
Muslim Commercial Bank Limited
(Earning before income tax / total assets) * 100
Return on Assets
Year 2008
Year 2009
Year 2010
/ *100
=4.93 %
/ *100
=4.55 %
/ *100
=4.63 %

18. Ratio analysis
Muslim Commercial Bank Limited
(Net income / sale) * (sale / total assets) * 100
DuPont Return on Assets
Year 2008
Year 2009
Year 2010
(0.3839* ) * 100
=3.47 %
(0.3002* ) * 100
=3.04 %
(0.3077* ) * 100
=2.97 %

19. Ratio analysis
Muslim Commercial Bank Limited
(Net income / total equity) * 100
Return on total Equity
Year 2008
Year 2009
Year 2010
15,374,600/ 52,244,865 * 100
= %
15,495,297/ 61,075,932*100
=25.37%
16,873,175/ 69180,011*100
=24.39 %

20. Ratio analysis
Muslim Commercial Bank Limited
Total Liabilities / Total Assets
Debt Ratios
Year 2008
Year 2009
Year 2010
385,179,850 / 443,615,904
= 0.87 Times
439,483,714 / 509,223,727
= 0.86 Times
488,348,404 / 567,552,613

21. Ratio analysis
Muslim Commercial Bank Limited
Total liabilities / total share holder Equity
Debt / Equity Ratio
Year 2008
Year 2009
Year 2010
385,179,850 / 525,244,865
=7.37 Times
439,483,714 / 61,075,932
=7.19 times
488,348,404 / 69,180,011
=7.06 times

22. Ratio analysis
Muslim Commercial Bank Limited
Earning before Income Tax (EBIT) / Interest Expenses
Times Interest Earned
Year 2008
Year 2009
Year 2010
33,428,306 / 11,560,740
=2.89 times
38,996,408 / 15,841,463
=2.46 times
44,240,842 / 17,987,767

23. Ratio analysis
Muslim Commercial Bank Limited
Advance / deposit
Advance / deposit ratio
Year 2008
Year 2009
Year 2010
262,135,470/330,181,624
=0.79 times
253,294,407/367,604,711
=0.69 times
254,551,589/431,371,937
=0.59 times

24. Ratio analysis
Muslim Commercial Bank Limited
Operating cash flow / current liabilities
Operating cash flow ratio
Year 2008
Year 2009
Year 2010
20,315,38/
= times
78,148,082/
=0.179 times
58,701,161/
=0.121 times

25. Ratio analysis
Muslim Commercial Bank Limited
Total dividend / no. of outstanding shares
Dividend per share
Year 2008
Year 2009
Year 2010
98,341,75/
=15.65 Rs.
67 355,10 /
=9.75 Rs.
85,675,47 /
=11.27 Rs.

26. Ratio analysis
Muslim Commercial Bank Limited
Net income / number of outstanding
Earning per share
Year 2008
Year 2009
Year 2010
15,374,600 /
=24.47 Rs.
15,495,297/
=22.42 Rs.
16,873,175 /
=22.19 Rs.

27. Ratio analysis
Muslim Commercial Bank Limited
Market value per share / earning per share
Price / earning ratio
Year 2008
Year 2009
Year 2010 /
=5.14 Rs. /
=9.79 Rs. /
=10.29 Rs.

28. Conclusion
During my internship in MCB bank I conclude that the organization doing overall good business and also have a good culture.
MCB provide different type of products and account to the customer.
MCB’s most of branches have online system and ATM machines which is good for the customer.
MCB has also the largest branch setup all over the Pakistan.
Net profit of the organization is decreases and it is need to be improve for the portability.
Also the Debt ratio of the organization is decreasing over the time so it is good sign for the organization.
Return on assets of the organization is very good so the bank is utilize there sources very well and gain profit.
So there is also some week point of the organization as there is some strict rule regarding the account opening so customer face some difficulty.
Finely the organization doing a very good business.

29. Recommendation
The MCB bank (Ltd) doing good gob over the years that way the deposit of the organization increase and the profitability also increase. The recommendation for the improvement is as follow
training of the employees according to the new technology and also hire the young talent and fresh blood in the organization
Make all the banks online and minimum charges of the usage of ATM cars and also make the mobile transaction free of cost.
Bank also take the step to increase in profit.
There is need to improve the security of the organization as improve security cameras and other devices for safety.
Also make the documentation awareness
Investment in assets should be appropriate.
Return on assets is improving over the year and make sure this is continued.

30. Thank You !