Internship Report

Noor Fatima | BSF2207910

Submitted by: Noor Fatima

Roll No: BSF2207910
Program: Banking and Finance
Organization: Bank Islami
Department: Not specific (worked across general functions)
Internship Duration: 27 June – 22 August, 2025
Supervisor: None

Acknowledgment
First of all, I bow my head before Almighty Allah, the Most Merciful and Beneficent,
who enabled me to complete my internship successfully. Without His countless
blessings, this journey would not have been possible.
I would also like to express my gratitude to my teachers and university, who
provided me with the opportunity to apply my academic knowledge in a real
working environment. Their continuous guidance and encouragement have always
been a source of strength for me.
Finally, I am thankful to the management and staff of Bank Islami. Even though I
was not assigned a specific supervisor, the team members were cooperative and
always ready to guide me in my tasks. Their professional behavior, teamwork, and
dedication to Islamic banking left a strong impression on me.

Executive Summary
This report is based on my internship experience at Bank Islami, carried out from
27th July to 22nd August. During this period, I was not placed in a single department
but was given the opportunity to observe and work across different functions of the
bank.
My primary responsibilities included data entry, customer dealing, and learning
different aspects of banking operations. This internship allowed me to enhance my
communication skills, gain practical experience, and increase my knowledge of the
financial sector.
The report covers an introduction to Bank Islami, its history, products, and services,
along with details of my tasks, learning outcomes, challenges faced, and
recommendations for improvement. Overall, the internship proved to be a valuable
step in bridging the gap between theory and practice in the field of Banking and
Finance.

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Introduction
Internships are an important part of academic programs, as they provide students
with practical exposure to the professional environment. They help bridge the gap
between classroom learning and real-world applications.
As a student of Banking and Finance, I was fortunate to complete my internship at
Bank Islami, one of Pakistan’s leading Islamic banks. The main objective of my
internship was to gain professional exposure, understand Islamic banking practices,
and develop my skills in customer interaction, data management, and observation
of operational processes.
The duration of my internship was one month (27th July – 22nd August). Although I
was not assigned to a specific department, I had the chance to learn from different
areas of the bank. This provided me with a broader understanding of how various
departments work together to provide seamless banking services.

Objectives of the Internship

The objectives of my internship were as follows:
 Personal Objectives
 To improve my communication and interpersonal skills.
 To develop self-confidence and professionalism.
 Academic Objectives
 To apply the concepts learned in my Banking and Finance program.
 To observe how Islamic banking differs from conventional banking.
 Professional Objectives
 To gain practical knowledge of banking procedures.
 To understand how customers are dealt with in a real business
environment.
 To develop knowledge that will help me in my career as a finance
professional.

Organization Profile – Bank Islami

History:
Bank Islami Pakistan Limited was established in 2006 as the first Islamic commercial
bank in the country to receive a license from the State Bank of Pakistan under the
Islamic Banking Policy of 2003. Since its inception, the bank has focused on
providing Shariah-compliant financial solutions.
Vision:
Promoting global economic prosperity based on the Islamic financial system
Mission:

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Saving humanity from riba by offering Shariah compliant customer centric,

innovative, financial solutions and creating value for our stakeholders, while
uploading social responsibility and transparency.
Core Values:
Shariah Excellence – Meriticracy – Teamwork – Innovation – People Centric

Products and Services:

Bank Islami offers a wide range of products and services, including:
 Current and Savings Accounts
 Term Deposits
 Home and Car Financing (Shariah-compliant)
 SME and Corporate Banking
 Digital Banking Services
 Takaful and Investment Options

Organizational Structure:
The bank operates under a Board of Directors with guidance from a Shariah
Supervisory Board. Various departments such as Retail Banking, Corporate Banking,
Operations, IT, and Human Resources work together to provide services to
customers.

Tasks and Responsibilities:

During my internship, I performed and observed the following tasks:
1. Data Entry:
I was responsible for entering customer information in files. Accuracy and
confidentiality were very important in this task.
2. Customer Dealing:
I interacted with customers, guided them to the right counters, and answered
simple queries. This helped me understand the importance of communication and
patience in the banking sector.
3. Learning Banking Operations:
I observed the account opening process, cheque handling, and daily banking
transactions. Although I was not directly handling all tasks, I carefully noted how
employees managed them.
4. General Observation:
I learned how teamwork and professionalism play an important role in ensuring
smooth operations at the bank.

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5. Learning to Operate CCDM:

I was introduced to the Cash & Cheque Deposit Machine (CCDM). This modern
banking technology allows customers to deposit cash directly into their accounts
and also encash cheques through the machine. I learned the step-by-step procedure
of how the machine functions, how customers are guided to use it, and how the
bank staff monitors its smooth functioning.
6. Learning about One Touch Banking:
I also gained knowledge of Bank Islami’s “One Touch Banking” feature. This
innovative service allows customers to perform secure transactions (such as cash
withdrawals, fund transfers) using biometric verification instead of traditional ATM
cards or PINs. I observed how customers could access multiple services with just
their thumb impression, making banking easier and safer. This feature reflects Bank
Islami’s commitment to Shariah-compliant innovation and convenience.

Learning Outcomes
The internship provided me with several learning opportunities, such as:
Professional Skills
 Improved communication and interpersonal skills.
 Developed confidence while dealing with customers.
Technical Skills
 Familiarity with banking procedures and customer handling.
 Personal Development
 Learned the importance of punctuality and discipline.
 Understood how to work under pressure in a professional environment.
Knowledge
 Gained practical exposure to Islamic banking concepts.
 Observed how theoretical knowledge from university applies in practice.

Challenges Faced
Although the internship was a great experience, I faced some challenges:
 Difficult to adjust in long working hours.
 Understanding some technical banking terms.
To overcome these challenges, I observed my colleagues, asked for guidance when
needed, and gradually became more confident in performing my tasks.

Conclusion

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My internship at Bank Islami was a very valuable learning experience. It gave me

practical exposure to the banking industry, improved my communication skills, and
enhanced my knowledge about Islamic banking.
Even though I was not assigned to one specific department, I was able to learn from
different areas, which gave me a broader view of banking operations. I believe that
this internship has prepared me well for my future career in Banking and Finance.

Recommendations
Based on my experience, I would like to make the following recommendations:
For Bank Islami
 Provide structured training sessions for interns.
 Assign supervisors to guide interns.
 Offer opportunities for interns to rotate across departments.
For Future Interns
 Be punctual and disciplined.
 Show eagerness to learn and ask questions.
 Improve communication skills before starting the internship.

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