Internship Report on Muslim Commercial Bank Latest (pdf)

Internship Report on Muslim Commercial Bank (MCB),2023

Dedication of Internship Report on Muslim Commercial Bank

I dedicate all my efforts and struggles of the educational life of my dear parents who help support and guide the course of my educational life, without them I’m meaningless. Also I devote the work of this Internship Report on Muslim Commercial Bank , as respectable and honorable teachers who teach and support me develop my personality as a competent professional. This internship report on bank dedicated to all students.


First of all I thank Allah, who is the holder of my breaths, without his order nothing is possible. Who give me spirit to write internship report on MCB

I am highly thankful to my respectable teachers and friends and family members who were my supporter throughout my educational career, further I thank all the employees of the branch MCB bank Limited, where I have done my internship. The internship report on marketing of Muslim commercial bank was encourage by all students.

I have set light, an ever-burning flame of gratitude and deep sense of obligation to my honorable teachers of Department of Business Management Sciences for their valuable guidance, constructive criticism and inspiring attitude during my studies. I appreciate and thanks to all the member of the faculty. Besides, this internship program makes me realize the value of working together as a team and as a new experience in working environment, which challenges us every minute. Not forget, great appreciation go to the rest of MCB’s staff that helped me to write internship report on Muslim commercial bank (MCB) from time to time during the project. The whole program really brought us together to appreciate the true value of friendship and respect of each other.

Last words are lacking to express my feelings and indebtedness to my affectionate Family and Friends for their love, appreciations, which always stand by me mentally and spiritually during all years of my study.

Executive Summary:

MCB is one of the leading banks of Pakistan with a deposit base of Rs. $ 368 million and total assets exceeding 500 million rupees. Founded in 1947, MCB soon earned reputation of a solid and conservative financial institution directed by expatriate executives. In 1974, the MCB was nationalized along with all other private sector banks.

 MCB bank is doing the day and the night struggle to achieve their purposes. These control costs and increase efficiency and effectiveness. It introduces the innovative concept of centralized services foreign trade branch to improve efficiency competition and reduce shipping costs. Hence the internship report on mcb is presenting true picture of this organization. In coming pages of this internship report on Muslim commercial bank (MCB) readers could be able to understand how to write a effective internship report on MCB with in time table.

 During my internship at the MCB, I worked in remittances, advances, cash, deposits, customer service department office and successfully completed all tasks and duties were allocated to me. It also performs different functions in all departments as a whole. Therefore in the internship report on muslim commercial bank(MCB) is presenting true facts of this MCB bank branch and overall of this organization. The main of this internship report on mcb was to display a background picture of this organization as well as its SWOT analysis of MCB.

MCB financial position and strength in market

As of my knowledge cutoff date of September 2022, MCB (Mauritius Commercial Bank) had a strong financial position and was one of the leading banks in Mauritius.

  1. Here are some key indicators of MCB’s financial strength:
  2. Assets: MCB had total assets of MUR 503 billion (approximately USD 12.4 billion) as of June 2021, making it the largest bank in Mauritius in terms of assets.
  3. Profitability: MCB reported a net profit of MUR 4.4 billion (approximately USD 108 million) for the six months ended June 2022, an increase of 22.7% compared to the same period in 2022.
  4. Capital adequacy: MCB had a Tier 1 capital adequacy ratio of 18.7% as of June 2022, which is well above the regulatory requirement of 12%.
  5. Loan portfolio quality: MCB had a low non-performing loan ratio of 3.7% as of June 2021, indicating that it has a strong loan portfolio with relatively low levels of credit risk.
  6. Market share: MCB was the largest bank in Mauritius in terms of market share, with a 38% share of total assets and a 41% share of total deposits as of December 2022.
  7. Overall, MCB has a strong financial position and a dominant market position in Mauritius. The bank has a diversified business model, with a strong presence in retail banking, corporate banking, and international banking. MCB’s financial strength and market position have enabled it to weather economic challenges and remain a leading player in the banking sector

Brief Introduction of Banking Sector.

MCB was established in 1947, just before Pakistan gained independence from British colonial rule. Since then, the bank has grown rapidly, and today it has a presence in several countries across the globe. MCB’s mission is to become the premier financial services organization in Pakistan by providing innovative solutions to meet the evolving needs of its customers. The bank’s core values include integrity, professionalism, customer focus, and teamwork.

Muslim Commercial Bank (MCB) is one of the leading financial institutions in Pakistan, with a history that spans over seven decades. The bank offers a wide range of products and services, including commercial and consumer banking, investment banking, and asset management. This internship report provides an overview of my experience interning at MCB, including the company’s background, my duties and responsibilities, and my overall assessment of the internship.

Over the period of time they discovered that large sum of the money were left in their custody for long periods; which suggested the use of cash to advance loans t other person for a fixed period of time and considerably high rate of interest. Thus began the “issue” and “deposit” banking of the modern times. Some of the enterprising goldsmiths issued “cheque books” for the attraction of their customers; and thus another step in the evolution of banking had taken place.

MCB marketing strategies

  1. Muslim Commercial Bank (MCB) has developed several marketing strategies over the years to promote its products and services and increase its market share. Some of the key strategies employed by MCB include:
  2. Digital Marketing: MCB has invested heavily in digital marketing strategies to reach a wider audience. The bank has an active presence on social media platforms such as Facebook, Twitter, and Instagram, where it regularly posts updates about its products and services, as well as useful financial advice and tips.
  3. Product Bundling: MCB has developed a range of bundled products and services, designed to meet the needs of different customer segments. For example, the bank offers a ‘Women’s Savings Account’ that comes bundled with various benefits such as free insurance coverage and discounts at partner merchants.
  4. Customer Loyalty Programs: MCB has developed several customer loyalty programs to retain existing customers and encourage repeat business. These programs offer various rewards such as discounts on transactions, cashback offers, and exclusive access to special events.
  5. Cross-selling: MCB leverages its existing customer base to cross-sell its products and services. For example, the bank may offer personal loan products to customers who have a good credit history and a stable income.
  6. Sponsorship and Events: MCB regularly sponsors various sports events and cultural activities to increase its brand visibility and connect with potential customers. For example, the bank sponsors the Pakistan Super League (PSL) cricket tournament, which is one of the biggest sporting events in the country.
  7. Referral Programs: MCB has developed referral programs that reward existing customers for referring new customers to the bank. These programs offer incentives such as cash rewards or gift vouchers to customers who successfully refer new customers.
  8. Relationship Managers: MCB has a team of relationship managers who work closely with high-value customers to provide personalized financial advice and solutions. This approach helps to build strong relationships with customers and enhances their loyalty to the bank..

In conclusion, MCB has developed several effective marketing strategies to promote its products and services and increase its market share. These strategies leverage digital marketing, product bundling, customer loyalty programs, cross-selling, sponsorship, referral programs, and relationship managers. By employing these strategies, MCB has been able to build a strong brand and maintain a loyal customer base.


Human resource (HR) functions are an essential part of any organization, including Muslim Commercial Bank (MCB). Some of the key HR functions performed by MCB include:

  • Recruitment and Selection: MCB’s HR department is responsible for recruiting and selecting the best candidates for various job positions within the bank. This includes conducting interviews, reviewing resumes, and assessing candidates’ skills and qualifications.
  • Training and Development: MCB provides various training and development programs to its employees to enhance their skills and knowledge. These programs include on-the-job training, online training, and classroom training.
  • Performance Management: MCB’s HR department is responsible for evaluating employees’ performance and providing feedback to help them improve. The bank uses various performance management tools such as key performance indicators (KPIs) and performance appraisals.
  • Compensation and Benefits: MCB’s HR department designs and implements the bank’s compensation and benefits policies. This includes determining salaries, bonuses, and other incentives, as well as managing employee benefits such as health insurance, retirement plans, and vacation time
  • relations and maintaining a positive work environment. This includes addressing employee concerns, resolving conflicts, and promoting a culture of respect and inclusivity.

    Diversity and Inclusion: MCB’s HR department is committed to promoting diversity and inclusion in the workplace. This includes developing policies and practices that support diversity and inclusion, as well as providing training and resources to employees on these topics.

  • Compliance: MCB’s HR department ensures that the bank is in compliance with all relevant laws and regulations related to employment. This includes maintaining employee records, ensuring fair labor practices, and adhering to health and safety regulations.
  • In conclusion, MCB’s HR department plays a critical role in managing the bank’s human resources. Its functions include recruitment and selection, training and development, performance management, compensation and benefits, employee relations, diversity and inclusion, and compliance. By performing these functions effectively, MCB is able to attract and retain top talent, maintain a positive work environment, and achieve its strategic goals.

MCB sources of funds

  • MCB, which stands for Mauritius Commercial Bank, can obtain funds from various sources. Here are some of the main sources of funds for MCB:
  • Deposits: The bank can raise funds by accepting deposits from its customers. MCB offers a range of deposit products, including savings accounts, current accounts, fixed deposits, and foreign currency accounts.
  • Borrowings: MCB can borrow funds from other banks or financial institutions, either locally or internationally. The bank may also issue bonds or other debt securities to raise funds.
  • Equity: MCB can raise funds by issuing new shares or through a rights issue, which allows existing shareholders to purchase additional shares at a discounted price.
  • Interbank lending: MCB can lend and borrow funds from other banks through the interbank market. This is a way for banks to manage their liquidity and meet regulatory requirements.
  • Investments: MCB can invest in securities, such as government bonds or corporate bonds, to generate income and liquidity.
  • Foreign exchange transactions: MCB can generate income by buying and selling foreign currencies. The bank can also offer foreign exchange services to its customers, such as buying and selling foreign currencies, issuing foreign currency drafts, and offering foreign currency accounts.
  • Overall, MCB has various sources of funds, which it can use to meet its operational needs and support its business activities

Departments of Muslim Commercial Bank

For proper functioning of branches and the over all bank has been divided in different departments. division in a branch is as follows:
• Account opening department of Muslim commercial bank
• Remittance department of Muslim Commercial bank
• Clearing department of Muslim Commercial bank
• Deposit department of MCB
• ATM department of MCB
• Foreign exchange department of MCB.
• Technology department of MCB.

Account Opening Department:

Account opening department— as it name suggests— deals with opening new deposits accounts for customers. To open an account the customer have to meet the general banking manager with an introducer (the person who is going go introduce that person in the bank) and get an application form used for account opening.

Different color-coded application forms are available for each type of account.  Along with the form a card for specimen signature is also supplied to customer. Manager has every right not to accept this contract if he is not satisfied by the details provided by the customer. The report internship report on Muslim Commercial bank(MCB) is giving to much detail about account opening department of mcb.  In case the contract is acceptable to both, now it is ready to open the account formally.

Remittance Department:

A major function of any banking system is the transfer of funds from one client or one place to another. By providing this service to the customer the bank earns a lot of income in the form of service charges. This department deals with local currency remittance i.e. remittance from one city to another without actually carrying the currency.

 MCB uses following instrument for transferring of money:

  • Demand Drafts (DD)
  • Pay Order (PO)
  • Telegraphic Transfer (TT)
  • Mail Transfer (MT)

Clearing Department:

Every banker acts both as a paying as well as a collecting banker, It is however an important function of crossed cheques. A large part of this work is carried out through the bankers clearing house.

A clearing house is a place where representative of all banks of the city get together and settle the receipts and payment of cheques drawn on each other. As the collecting banker runs certain risks in receipt of their ownership the law has provided certain protections to the banks.

The Negotiable Instrument Act, 1881, lays down hat drawer or holder of a Cheques or draft may cross the instrument generally or specially. It further lies down that crossed Cheques can only be paid to a banker, who collects it for a customer in good faith and without negligence.

Future Prospects of the Organization.

The board of the directors and management of the MCB bank truly believe in the resilience of Pakistani nation to overcome the political and economics challenges face up by the country. We believe that the country fundamentals give it an edge to recover better then many nations from the global financial crises. So the internship report on Muslim Commercial bank(MCB) is giving true finding about future prospects of the organization.

We intend to keep investing in and nurturing the abundant natural and human resources of Pakistan. MCB bank maintains its presences in the region, which it’s believes to have enormous potential for growth. MCB’s is exploring new markets and plans to open more overseas operations once the global financial markets start showing sign of sustainable recovery and growth in business. Meanwhile we are focusing on consolidating our position abroad in the existing operation.

MCB Marketing mix

As of my knowledge cutoff date of September 2021, MCB (Mauritius Commercial Bank) used a variety of marketing mix strategies to promote its banking products and services. Here is an overview of MCB’s marketing mix:

  • Product: MCB offers a wide range of banking products and services, including savings accounts, current accounts, loans, credit cards, insurance, and investment services. The bank also has a range of digital banking products, such as mobile banking and online banking, to cater to customers’ evolving needs.
  • Price: MCB’s pricing strategy is based on market conditions and competition. The bank offers competitive pricing for its products and services, which are tailored to different customer segments.
  • Place: MCB has a strong physical presence in Mauritius, with a network of over 40 branches and a large number of ATMs. The bank also offers digital channels, such as mobile banking and online banking, to enable customers to access banking services anytime and anywhere.
  • Promotion: MCB uses a variety of promotional strategies to reach out to customers and promote its products and services. The bank uses advertising campaigns, social media, and email marketing to communicate with customers and create brand awareness. MCB also sponsors events and community activities to build goodwill and strengthen its brand.

Internship Experience

As an intern at MCB, my main responsibilities included assisting the bank’s operations and learning about its various business units. I was assigned to work in the corporate banking division, which gave me exposure to the bank’s commercial clients and their financial needs. My daily tasks included preparing financial statements, analyzing credit reports, and participating in client meetings.

One of the most valuable aspects of my internship was the opportunity to work with experienced professionals in the banking industry. My supervisor provided me with guidance and feedback on my work, and I also had the chance to learn from my colleagues through observing their work and asking questions. Additionally, MCB provided me with training sessions and seminars to help me improve my skills and knowledge.

Overall Assessment

My internship at MCB was a positive and enriching experience. I gained a better understanding of the banking industry and the financial services that MCB provides. The company’s emphasis on professionalism and customer focus was evident in its day-to-day operations and interactions with clients. The experience has helped me develop my skills and knowledge and has given me a deeper appreciation for the importance of financial services in society.


During the Internship Report on Muslim Commercial Bank I worked in many departments. I feel that there is lack of staff, due to this reason an each worker has to do a lot of works and responsibilities.

In conclusion, my internship at MCB was a valuable learning experience. I gained practical experience in the banking industry, developed my skills and knowledge, and learned from experienced professionals. MCB’s emphasis on professionalism and customer focus was evident throughout my internship, and I feel that I have developed a deeper understanding of the importance of financial services in society. I am grateful for the opportunity to have worked at MCB, and I look forward to applying the knowledge and skills I gained in my future endeavors.

I judge that there was lack of trained people and motivation. So the efficiency and effectiveness are affected. It seems low advertisement Of  MCB BANK. Therefore after writing internship report on MCB i have reached at this point that MCB worth in marked is good as compare to other bank.

MCB should continue with the same spirit to serve the Pakistani citizens in the country and all over the world. The financial position of the bank is very strong, as compared to some of the nationalized banks and even some of the private banks.

 MCB has tried to provide the best services and safety to the public by introducing the Rupees Travelers Cheques and by having the largest network of Automated Teller Machines.

After writing internship report of MCB and Financial ratio analysis groups the ratios into categories which tell us about different facets of a company’s finances and operations. An overview of some of the categories of ratios is given below.

  • Liquidity ratios measure a firm’s ability to meet its current obligations.
  • Profitability ratios measure the earning ability of a firm.
  • Activity ratios measure a firm’s ability to convert different accounts within their Balance sheets into cash or sales.
  • Market ratios are commonly used by the investors to assess the performance of a business as an investment and also the cost of issuing stock.
  • Leverage Ratios which show the extent that debt is used in a company’s capital structure.

 As we can see that bank  current ratio is not  increasing in 2010 and quick ratio is decreasing in 2023 as compared to other years. Working capital is negative . This is not  a good sign. Earnings have decrease and interest expenses have decrease. Debt has decrease Net profit and operating income margin have increase in 2008 Return on Operating Assets is satisfactory.  the net sales have increase profit.

Suggestion And recommendation.

As we can see that bank  current ratio is increasing in 2023 but quick ratio is decreasing in compared to other years. So I suggest that bank should pay more attention to improve quick assets. Working capital has also decrease in 2010. This is not good sign. Earnings have decrease and interest expenses have decrease. Bank should control these expenses. Debt has decrease which is good for the bank MCB.Net profit and operating income margin have increase in 2010. Bank should work to improve the Return on Operating Assets. Although the net sales have increase but bank should work to improve the grass profit margin. Total assets turn over is maintained in 2010 but bank should pay more attention in this respect.

Other Recommendation for Muslim Commercial Bank (MCB)

  1. MCB should try to in range the current ratio for getting short term financial strength.
  2. MCB should measure the liquidity risk through its designed framework time to time to reduce the liquidity risk position of the bank
  3. MCB should control its Administrative expenses it has been rose as compare to previous years
  4. The strength of the bank is enough strong, but there is need to increase to deposit to compete the market.
  5. In the light of above suggestion, MCB should increase its branch network to get maximum deposit and increase its sales.
  6. MCB should encourage the employee through offering them effective performance appraisal system
  7. MCB should hire a skilled person highly professional staff for bank efficiency

MCB bank internship report free download

References & Sources & Annexes.


Students may get whole report, almost cover 70 pages (Latest report) only in Rs 2000/- the charges will be used for our website hosting charges, it has been noted that students still demand discount on 500/- i am very disappointed upon their reaction, as we already had set very cheap, affordable price to them. Kindly deposit the money through ease pesa or bank account and get full report. 

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  1. kindly send me latest report of MCB

  2. Kindly send ur intrnship completed report and data

  3. please send your intrnship report 2017

  4. please send your intrnship report

  5. Plz send me internship report on mcb bank 2017 with financial ratio.

    • Pleas muj financial statements Or ratio analysis Or vertical analays Or horzinatal analysis China please all ma n.a. report ma add karna hia

  6. mjha internship report chahya mcb ki hrm dep ki plzzzz jldi chahya

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