Soneri Bank (Repaired)

8/9/2019 Soneri Bank (Repaired)

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PROJECT REPORT

On

SONERI BANK PVT LTD

Prepared by

Salman Khaliq Bajwa (17817)Farooq ur Rehman (17172)

Tarfa Pasha (17470)

Project Advisore!"urer# $s% $aira &'h"er

College of Busness !anage"en#

Ins##u#e of Busness !anage"en#Kara$%


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DEDICATION

This reor" is ei!a"e "o

Our Parents,

*hose lo+e# affe!"ion an suor" hele s in ,rin-in- our wor' "o "his le+el of

a!!omlishmen"s. we are also "han'ful "o "hem for eu!a"inus for un!oni"ional suor" an

en!oura-emen" "o ursue our in"eres"s# e+en when "he in"eres" wen" ,e/on "he ,ounaries of

fiel an s!oe% *i"hou" "heir suor" an 'inness "his wor' woul no" ha+e ,een ossi,le%

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ACKNO&LEDE!ENT

Praise "o &llah "he mos" ,enefi!en" an "he mos" mer!iful%

*e are usin- "his oor"uni"/ "o eress our -ra"i"ue "o e+er/one who suor"e us "hrou-hou"

"he !ourse of "his roje!"% *e are "han'ful for "heir asirin- -uian!e# in+alua,l/ !ons"ru!"i+e

!ri"i!ism an frienl/ a+i!e urin- "he roje!" wor'% *e are sin!erel/ -ra"eful "o "hem for

sharin- "heir "ru"hful an illumina"in- +iews on a num,er of issues rela"e "o "he roje!"%

*e are also -ra"eful "o our e!"urerProje!" &+isor $s% $aira &'h"er# for enli-h"enin- us wi"h

her re!ious 'nowle-e an +as" eerien!e "o ,enefi" us in "he fu"ure% *e are also "han'ful "o

"he Senior &ssis"an" i,rarian 3o# $r% Sharif 5asir for his effor"s% *e also li'e "o "han' all

"he o"her s"aff mem,ers who ire!"l/ or inire!"l/ suor"e an assis"e us%

*e woul also "han' wi"h all -ra"i"ue an e"h of our hear"s "o "he mana-emen" of S65R

B&5K who hele us ,u" wi"h in"e-ri"/ an suor"e us in all our harshis% Finall/ our

sin!ere "han's "o our ins"i"u"e oB$# 9olle-e of Business $ana-emen"# for ro+iin- us "he

oor"uni"/ "o -a+e us "he s"ren-"h "o uner"a'e "his roje!"%

*e ra/ "his effor" ma/ ro+e "o ,e "he ,e-innin- of new era# a era in whi!h $ana-emen"

S!ien!es ma/ ma'e -rea" ro-ress in Pa'is"an an Pa'is"an ma/ ,e!ome a ar" of "he e+eloe

na"ions%

Than' /ou%

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ABSTRACT

$ana-emen" in,usinessan or-ani:a"ionsis "he fun!"ion "ha" !oorina"es "he effor"s of eole

"o a!!omlish -oals an o,je!"i+esusin- a+aila,le resour!es effi!ien"l/ an effe!"i+el/%

$ana-emen" !omriseslannin-#or-ani:in-#s"affin-# leain- or ire!"in-#

an!on"rollin-anor-ani:a"ion"o a!!omlish "he -oal% Resour!in-en!omasses "he elo/men"

an maniula"ion of human resour!es# finan!ialresour!es# "e!hnolo-i!alresour!es# an na"ural

resour!es% $ana-emen" is also an a!aemi! is!iline# a so!ial s!ien!ewhose o,je!"i+e is "o

s"u/ so!ial or-ani:a"ions%

The main urose of Prin!iles of $ar'e"in- is "o uners"an "he mana-emen"# "/es of

mana-emen" an fun!"ions of mana-emen" so "ha" one when -oes in"o "he mar'e" af"er!omle"in- his $B& an o!!uies a !er"ain mana-erial osi"ion in "he or-ani:a"ion# he shoul

ha+e 'nowle-e of ea!h an e+er/"hin- rela"e "o "he mana-emen" so "ha" "he or-ani:a"ional

-oals !oul ,e a!hie+e easil/%

The main reason of "his a!"i+i"/ is "o uners"an how an or-ani:a"ion "ries "o follow an

imlemen" "he four main fun!"ions of mana-emen" namel/ Plannin-# 6r-ani:in-# 9on"rollin-

nfluen!in- wi"hin "he or-ani:a"ion "o a!hie+e i"s -oal effe!"i+el/ an effi!ien"l/%

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http://en.wikipedia.org/wiki/Businesshttp://en.wikipedia.org/wiki/Organizationshttp://en.wikipedia.org/wiki/Goalhttp://en.wikipedia.org/wiki/Planninghttp://en.wikipedia.org/wiki/Organizing_(management)http://en.wikipedia.org/wiki/Staffinghttp://en.wikipedia.org/wiki/Leadershiphttp://en.wikipedia.org/wiki/Control_(management)http://en.wikipedia.org/wiki/Organizationhttp://en.wikipedia.org/wiki/Resource_(economics)http://en.wikipedia.org/wiki/Human_resourceshttp://en.wikipedia.org/wiki/Financialhttp://en.wikipedia.org/wiki/Technologicalhttp://en.wikipedia.org/wiki/Natural_resourceshttp://en.wikipedia.org/wiki/Natural_resourceshttp://en.wikipedia.org/wiki/Academic_disciplinehttp://en.wikipedia.org/wiki/Social_sciencehttp://en.wikipedia.org/wiki/Organizationshttp://en.wikipedia.org/wiki/Goalhttp://en.wikipedia.org/wiki/Planninghttp://en.wikipedia.org/wiki/Organizing_(management)http://en.wikipedia.org/wiki/Staffinghttp://en.wikipedia.org/wiki/Leadershiphttp://en.wikipedia.org/wiki/Control_(management)http://en.wikipedia.org/wiki/Organizationhttp://en.wikipedia.org/wiki/Resource_(economics)http://en.wikipedia.org/wiki/Human_resourceshttp://en.wikipedia.org/wiki/Financialhttp://en.wikipedia.org/wiki/Technologicalhttp://en.wikipedia.org/wiki/Natural_resourceshttp://en.wikipedia.org/wiki/Natural_resourceshttp://en.wikipedia.org/wiki/Academic_disciplinehttp://en.wikipedia.org/wiki/Social_sciencehttp://en.wikipedia.org/wiki/Business


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Table of Contentsis" of Fi-ures%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%8

is" of Ta,les%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%;

93&PTR 19T 6B>9T?S%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%1=

1%1@Proje!" 6,je!"i+e


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2.2.1.3-eneral Princi+les o !anagement:.......................................................2/

93&PTR =


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93&PTR 4


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Ls# of 'guresFi-ure@1@$e"haolo-/%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%1 7

Fi-ure@1%1@Drou S"ru!"ure%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%18

Fi-ure@1%2@nu"6u"u" Pro!ess%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%1;

F-ure@1%=@Fun!"ions of $na-emen"%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%1;

F-ure@1%4@The Plannin- Pro!ess%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%=1

F-ure@1%A@Plannin- Pro!ess in Soneri Ban'%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%==

F-ure@1%@The 6r-ani:in- Pro!ess %%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%=4

F-ure@1%7@6r-ani:a"ional S"ru!"ure%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%=A

F-ure@1%8@e!ision $a'in- Pro!ess%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%42

F-ure@1%;@e+el of $ana-emen" ?s S!oe of e!ision%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%4=

F-ure@2%0@$na-ers ?s e!ision S!oe%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%4A

Ls# of Tables

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Ta,le@1%0@is" of

ear"men"s====================================

====..3/

Ta,le@2%0@ 9olour S!heme%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%=;

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C(APTER )*

PROJECT OBJECTIVES

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)+),Pro-e$# Ob-e$#.e*

The o,je!"i+e of "his roje!" is "o uners"an mana-emen"# ,asi! rin!iles of mana-emen" an

how an or-ani:a"ion "ries "o follow an imlemen" "he four main fun!"ions of mana-emen"

namel/ Plannin-# 6r-ani:in-# nfluen!in- an 9on"rollin- wi"hin "he or-ani:a"ion# an 9SR "oa!hie+e i"s -oal effe!"i+el/ an effi!ien"l/%

)+/,A"*

The aim of our roje!" is "o see how S65R B&5K P+"% "% follows an imlemen"s "he four

main fun!"ions of mana-emen" namel/ Plannin-# 6r-ani:in-# nfluen!in-# 9on"rollin- wi"hin

i"s or-ani:a"ion an how effe!"i+el/ la/in- "he so!ial resonsi,ili"/ of or-ani:a"ion "owars "he

so!ie"/ (9SR)%

1.2.1-Objective:

The o,je!"i+e of our roje!" is "o uners"an "he four main fun!"ions of mana-emen"%

Plannin-

6r-ani:in-

nfluen!in-eain-

9on"rollin-

9SR

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)+0,Proble" Ds$usson*

Some"ime# $ana-ers or "he 6r-ani:a"ions fail "o a!hie+e "heir "ar-e"s-oals ue "o ifferen"

reasons% The reason of "his a!"i+i"/ is "o uners"an "he ro,lems fa!e ,/ 6r-ani:a"ions or

$ana-ers in "erms of $ana-emen"%

1.3.1-Common Problems Faced by Organiations in terms of

!anagement

5o roer Plannin- (5o roer roamas"ra"e-/ forme "o rea!h "he "ar-e")

iffi!ul"/ in 6r-ani:in- (5o uni"/ of 9omman or ire!"ion5o roer i+ision of

wor')

iffi!ul"/ in 9on"rollin- an eain-

)+1,Proble" Solu#on*

The roje!" has ,een !hosen "o minimi:e "he ro,lems of $ana-ers wor'in- in ifferen"

or-ani:a"ions on ifferen" osi"ions% The a+an"a-es of "his roje!" aree *ave divided t*is +roject into ollo?ing major +*ases:

P*ase -e@ning t*e Objectives

P*ase -Collection and $election o t*e normation by visiting $oneri %an&

Pvt Atd. P*ase - 7e+ort >riting

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)+3+),P%aseI, Defnng #%e Ob-e$#.es*

The o,je!"i+e esi-n hase in!lue mainl/ "he e"ermina"ion of "he urose of "his a!"i+i"/% The

firs" s"e in "his hase was "he ien"ifi!a"ion of aim an o,je!"i+es% " a!"uall/ -i+es "he ire!"ion

wha" our "as's was an in whi!h ire!"ion we ha "o mo+e%

)+3+/, P%ase II, Colle$#on 4 Sele$#on of #%e Infor"a#on*

6n!e our o,je!"i+es were roerl/ efine# we e!ie "o !olle!" "he informa"ion ,/ +isi"in- "he

3R ear"men" of Soneri Ban'% *e +isi"e Soneri Ban' (3ea 6ffi!e) on 22nof 6!"# 2014# me"

"he 3R 3ea# $r% :ahi 3ussain an ha a +er/ informa"i+e session wi"h him% *e also i some

li"era"ure re+iew an resear!h for "he roer uners"anin- of "he whole a!"i+i"/ ,/ -oin-

"hrou-h ifferen" !ase s"uies an +isi"in- we,si"es% *hen all "he informa"ion was !olle!"e# "he

main "as' was "o anal/:e an !omile "he a"a for reor" wri"in-%

"oneri #an$%s &isit:

n"eran!e Re!e"ion

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& -rou ho"o wi"h $r% ahi 3ussain# 3R 3ea (From Ri-h" "o lef" wi"h $r% Farooq)

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3R Trainin- i+ision# Soneri Ban'

!eeting ?it* t*e 07 0ead

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19/65

Refrehmen"

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)+3+0,P%ase III, Repor# &r#ng*

6n!e all "he informa"ion an a"a was !olle!"e an !omile# "he mos" imor"an" "as' was "o

wri"e "he reor"% ifferen" "as's were assi-ne "o e+er/ mem,er of "he -rou so "ha" e+er/one

woul ,e "he ar" of "his a!"i+i"/% ifferen" samle reor"s were also re+iewe so "ha" "here

shoul no" ,e some"hin- missin-%

Fi-ure@1%0@$e"haolo-/

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P'ase (

)e*ning

Objectives

P'ase ((

Collection+"e

lection of

P'ase (((

,eort

riting


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1./-(mlementation of PO0C for t'is Activity:

*e ha+e also e!ie "o use an imlemen" "he four fun!"ions of $ana-emen" namel/ Plannin-#

6r-ani:in-# eain- an 9on"rollin- in "his a!"i+i"/%

6ur -oal is "o uners"an "he rin!iles an fun!"ions of mana-emen" in "his a!"i+i"/ an wri"e a

reor" on i"%

)+ Plannng*

Plannin- is ,asi!all/ formin- a s"ra"e-/ "o rea!h /our -oal% n "his se!"ion# we efine our

o,je!"i+es an lanne how "o rea!h "hem% *e also ha+e se" "imelines for ifferen" "as's so

"ha" we woul no" ha+e "o fa!e an/ iffi!ul"/ a" "he "ime of reor" su,mission%

/+ Organ5ng*

n "his se!"ion# we ha+e i+ie "he whole a!"i+i"/ in"o ifferen" se-men"s so "ha" e+er/one

woul ,e "he ar" of "his roje!"% $r% Salman was mae "he mana-er of "he roje!" whose

resonsi,ili"/ was "o mana-e all "he -rou mem,ers an assi-n "hem ifferen" "as's an 'ee

"hem en-a-e in "his whole a!"i+i"/% S"ru!"ure of our or-ani:a"ion is -i+en ,elow.

Fi-ure@1%1@ Drou S"ru!"ure

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!r+ Sal"an

!anager6Leade

!r+ Tarfa

Pas%a

!r+ 'aroo7

Infor"a#on


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0+ Influen$ng*

nfluen!in- requires mana-ers "o mo"i+a"e emlo/eeswor'ers "o a!hie+e ,usiness o,je!"i+es

an -oals% " requires "he use of au"hori"/ "o a!hie+e "hose ens as well as "he a,ili"/ "o

!ommuni!a"e effe!"i+el/% $r% Salman was "he mana-er so he 'e" mo"i+a"in- "he -rou

mem,ers ,/ usin- "he 3enr/ Dan""Gs HRewar Theor/I ,/ in+i"inall "he mem,ers for

inner%

1+ Con#rollng*

9on"rollin- is a fun!"ion of mana-emen" "ha" in+ol+es measurin- a!hie+emen" a-ains"

es"a,lishe o,je!"i+es an -oals% " also requires mana-ers "o ,e a,le "o ien"if/ sour!es of

e+ia"ion from su!!essful a!!omlishmen" an "o ro+ie a !orre!"i+e !ourse of a!"ion% $r%

Salman# ,ein- "he man-er of "he -rou was resonsi,le for !on"rollin- "he !os" of "his whole

a!"i+i"/ ,e!ause i" was a self finan!e a!"i+i"/% 3e was also resonsi,le for "a'in- e!isions%

Fi-ure@1%2@nu"r6u"u" Pro!ess

Fi-ure@1%=@ Fun!"ions of $ana-emen"

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Ou#pu#

8Repor#9

Inpu#

8Resour$es9

Pro$ess

8A$#.#es9

Influen$ngOrgan5ng

Plannng

Con#rollng


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C(APTER /*

INTROD:CTION

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/+;,In#rodu$#on*

/+),In#rodu$#on

$ana-emen" is ,asi!all/ "he ro!ess of rea!hin- or-ani:a"ional -oals ,/ wor'in- wi"h or

"hrou-h eole an o"her or-ani:a"ional resour!es (!ai"al# ma"erial an mone"ar/ e"!)%

/+)+/,Essen$e of !anage"en#*

" is a ro!ess ,/ whi!h unrela"e resour!es are in"e-ra"e "o "he s/s"em for "he a!!omlishmen"

of o,je!"-oal "as' e"!%

2.1.3-C'aractrestics of !anagement:

" is a !on"inuin- ro!ess%

" !on!en"ra"es on 6r-ani:a"ional -oals%

" rea!hes "hese -oals ,/ wor'in- wi"h or "hrou-h eole

2.1.-"coe of t'e !anagement:

$ana-emen" in+ol+es ien"if/in- "he mission# o,je!"i+e# ro!eures# rules an "he maniula"ion

of "he human !ai"al of an en"errise "o !on"ri,u"e "o "he su!!ess of "he en"errise% This imlies

effe!"i+e !ommuni!a"ion< an en"errise en+ironmen" (as oose "o a h/si!al or me!hani!alme!hanism)# imlies human mo"i+a"ion an imlies some sor" of su!!essful ro-ress or s/s"em

ou"!ome% &s su!h# mana-emen" is no" "he maniula"ion of a me!hanism (ma!hine or au"oma"e

ro-ram)# no" "he herin- of animals# an !an o!!ur in ,o"h a le-al as well as ille-al en"errise

an en+ironmen"% $ana-emen" oes no" nee "o ,e seen from en"errise oin" of +iew alone#

,e!ause mana-emen" is an essen"ial fun!"ion "o imro+e oneJs life an rela"ionshis%

$ana-emen" is "here e+er/where an i" has a wier ran-e of ali!a"ion% Base on "his#

mana-emen" mus" ha+e humans# !ommuni!a"ion# an a osi"i+e en"errise enea+or% Plans#

measuremen"s# mo"i+a"ional s/!holo-i!al "ools# -oals# an e!onomi! measures (rofi"# e"!%) ma/

or ma/ no" ,e ne!essar/ !omonen"s for "here "o ,e mana-emen"% &" firs"# one +iews

mana-emen" fun!"ionall/# su!h as measurin- quan"i"/# ajus"in- lans# mee"in- -oals% This

alies e+en in si"ua"ions where lannin- oes no" "a'e la!e%

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/+/,(s#ory*

6ur so!ie"/ !oul nei"her eis" as we 'now i" "oa/ nor imro+e "he s"ea/ s"ream of mana-ers

"o -uie i"s or-ani:a"ionsfirms!oun"ries e"!% Pe"er ru!'er emhasi:e on "his oin" when he

s"a"e "ha"

The effective management is the main resource of developed countries and the most needed

resource of developing ones.

$an use "o li+e in 9a+es "housan /ears a-o% The firs" "hin- he i was he s"ar"e learnin-

$ana-emen"G. ,/ mana-in- "hin-sresour!es% 3e learn" how "o mana-e "he oula"ion while

li+in- "o-e"her% 3e learn" "o mana-e his foo wi"h in!reasin- oula"ion a/ ,/ a/% 3e learn" "o

s"ore "he wa"er% 3e learn" how "o fi-h" wi"h his enemies wi"h fewer resour!es% These all were "he

eamles of $ana-emen"G% So we !an sa/ "ha" $ana-emen" is as ol as "he $an is%

The wor mana-eG has ,een "a'en from "alianG wor mane--iareG means "o hanle some"hin-%

n 1"h!en"ur/# "he wor H$ana-eI was qui!'l/ e"ene "o H6era"ions of *arI an in sense of

Ta'in- 9on"rol# Ta'in- 9har-e# or ire!"in-% a"er# i" mie u wi"h a Fren!h wor H$ena-erI

means H"o use !arefull/I% n 17"h an 18"h !en"uries "he wor H$ana-eI an H$ena-eI

o+erlae in usa-e an "oa/Gs meanin- of H$ana-erI is !olore ,/ "hese +aria"ions%

$ana-emen" was ori-inall/ use "o ini!a"e "he ro!ess for mana-in-# "rainin- or ire!"in-% "

was ini"iall/ use for sor"s# "hen for house@'eein- an la"er for Do+ernmen" an Business

affairs%

" woul ,e iniqui"ous# is!ussin- $ana-emen"G wi"hou" $ar' Par'er Folle"# Pe"er ru!'er#

3enr/ Fo/l# ouis &llen# Freri!' Ta/lor# Fran' Dil,er" an 3enr/ Dan""% +en# 3enr/ Fo/l has

-rea" !on"ri,u"ions for "oa/Gs $oern $ana-emen"% 3e is "he one who -a+e "he !on!e" of

GFun!"ions of $ana-emen"GG an G 14 Deneral Prin!iles of $ana-emen"I whi!h are s"ill ,ein-

"au-h"# followe an imlemen"e in our moern worl%

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/+/+),!anage"en# by Dfferen# Con#rbu#ors*

ifferen" 9on"ri,u"ors ha+e -i+en "he ifferen" efini"ions of $ana-emen" i+ie in"o "wo

!a"e-ories.

9lassi!al efini"ions $oern efini"ion

/+/+)+), Class$ Defn#ons*

Some of "he efini"ions -i+en ,/ ifferen" !on"ri,u"ors "owars mana-emen" are.

)+ !ary Par


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2.2.1.3-For Princiles of !anagement:

$ana-emen" in+ol+es far more "han jus" "ellin- o"hers wha" "o o% Before an/ of /ou e!ie

"ha" /ou "hin' /ou !an o /our ,ossJs jo,# le"Js "a'e a loo' in"o more of wha" a mana-er oes%

The major fun!"ions "ha" a mana-er !omle"es !an ,e !a"e-ori:e in"o four ifferen" fun!"ions

'nown as lannin-# or-ani:in-# leain-# an !on"rollin-% For some of us# we onl/ see "he final

"wo @ leain- an !on"rollin- @ ,u" /ou shoul 'now "ha" for e+er/ mana-erial ,eha+ior /ou o

see# "here is an equal amoun" "ha" /ou o no"% Behin "he mana-erJs !lose oor# he or she

sens a -oo eal of his or her "ime lannin- an or-ani:in- so "ha" he or she !an effe!"i+el/

!arr/ ou" "he fun!"ions of leain- an !on"rollin-%

3enr/ Fo/l is "he one who -a+e "hese four fun!"ions of mana-emen"%

@ Plannng* Plannin- is ,asi!all/ a roama or a s"ra"e-/ "o rea!h or-ani:a"ional -oals%

@ Organ5ng*&ssi-nin- "he "as's "o ifferen" ini+iuals or -rous wi"hin "he or-ani:a"ion an

se""in- u "he or-ani:a"ional hierar!h/%

@ Influen$ng*nfluen!in- in+ol+es leain-# suer+isin- an mo"i+a"in- emlo/eeswor'ers%

@ Con#rollng*9on"rollin- is a fun!"ion of mana-emen" "ha" mainl/ in+ol+es !on"rollin- ,u-e"#

e+alua"in- "he erforman!e an e!ision ma'in- ro!ess%

3e also -a+e 14 Deneral Prin!iles of $ana-emen" "ha" are s"ill followe an imlemen"e in

almos" e+er/ or-ani:a"ion%

2.2.1.3-eneral Princiles of !anagement:

*e orteen eneral Princi+les o !anagement given by 0enry Foyl are given

belo?B

1. nity o Command2. nity o irection3. ivision o >or&4. Centralization". 7emneration#. $tability,. nitiative/. $calar C*ain. ;Dity1).;s+irit e Cor+s

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11.5t*ority12.isci+line13.$bordination14.$tability o enre

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29/65

C(APTER 0*

SONERI BANK6AN OVERVIE&

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0+),In#rodu$#on*

Soneri Ban' P+" " is a ure Pa'is"ani 9ommer!ial Ban'# whi!h was ini"iall/ s"ar"e from

ahore in 1;;2% "s hea offi!e has now ,een shif"e "o Kara!hi an is lo!a"e on %% 9hunri-ar

Roa Kara!hi# Pa'is"an% " is oera"in- su!!essfull/ in all o+er Pa'is"an wi"h more "han 2A

,ran!hes%

The ,an' oera"es in four se-men"s. 9orora"e Finan!e# Train- an Tales# Re"ail Ban'in- an

9ommer!ial Ban'in-% 9orora"e finan!e in!lues s/ni!a"e finan!in- an ser+i!es ro+ie in

!onne!"ion wi"h mer-ers an a!quisi"ions# unerwri"in-# ri+a"i:a"ion# se!uri"i:a"ions# e,"#

equi"/# s/ni!a"ion# ni"ial u,li! offers (P6) an se!onar/ ri+a"e la!emen"% Train- an sale

se-men" in!lues fie in!ome# equi"/# forei-n e!han-e# !ommoi"ies# !rei"# funin-# own

osi"ion se!uri"ies# ,ro'era-e e," an rime ,ro'era-e% Re"ail ,an'in- se-men" in!lues re"ail

lenin- an eosi"# ,an'in- ser+i!es# ri+a"e lenin- an eosi"# "rus" an es"a"es in+es"men"

a+i!e an mer!han" !ommer!ial !orora"e !ars% 9ommer!ial ,an'in- in!lues roje!"

finan!e# real es"a"e# eor" finan!e# "rae finan!e# fa!"orin- an leasin-% The essen!e of "he

,an'Gs ,usiness hilosoh/ is "o!a"er "o "he ,an'in- requiremen"s of small meium si:e

en"rereneurs# ro+iin- "hem quali"a"i+e !ome"i"i+e ser+i!es wi"h emhasis on en!oura-in-

eor"s% 5earl/ for"/ er!en" of our !rei" or"folio is rela"e "o eor" finan!in- an !rei"

e!isions are "a'en wi"hin 48 hours% Soneri ,an' imi"e is en-a-e in ,an'in- ser+i!e# an

oera"e more "han 2A0M ,ran!hes in!luin- slami! Ban'in- Bran!hes in Pa'is"an%

3.1.1-!ission:

We Provide Innovative and Efficient Financial Solutions to our Customers.

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3.1.2-&ision:

To better serve customers to help them and the society grow.

3.1.3-Core &ales:

*e are 9us"omer 9en"ri!

*e ha+e hi-h $oral S"anars

*e "a'e 6wnershi

*e are Pro@a!"i+e

*e !olla,ora"e

3.1.- 4istory of "oneri #an$:

ire!"ors from in"erna"ional finan!ial ins"i"u"ion "o oen "he mar'e" an in+ol+e "he ri+a"e

se!"or in "he e!onom/ of "he !oun"r/ -o" "he leain- in+es"ors from ri+a"e se!"or an one of

"hem was "he HRuali DrouI% This -rou ,elon-s "o HFeeras"a Famil/I% This -rou s"ar"e i"s

,usiness ,efore 1;71 ar"i"ion of as" Pa'is"an an !ame "o *es" Pa'is"an af"er 1;71% S65R

B&5K T was in!orora"e on 28"hSe"em,er 1;;1# "he firs" ,ran!h in ahore was oene on

1"h&ril 1;;2 an se!on ,ran!h in Kara!hi !ame in"o ,usiness on ; "h$a/ 1;;2% The hea

offi!e is in ahore an "he !en"ral offi!e is in Kara!hi% The au"hori:e an su,s!ri"ion !ai"al is

Rs%=00 million 6u" of whi!h Rs%1A0 was million was is"ri,u"e ,/ Feeras"a Famil/ an Rs%1A0

million wor"h share was offer "o -eneral u,li!% There was o+er su,s!ri"ion of 28 "imes more

"han "he num,er of shares offer for su,s!ri"ion an "he o+er su,s!ri"ion 5RPs was = "imes

more% The ,an' !urren"l/ oera"es 2A ,ran!hes# srea all o+er Pa'is"an in!luin- "he 5or"hern

&reas of "he !oun"r/% The ,an'Gs eansion oli!/ is ,ase on "he rin!ile of main"ainin- a

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,alan!e ,e"ween "he ur,an an rural areas% This !rea"e i"s own !hallen-es an oor"uni"ies# an

for!e "hem "o e+ol+e an ou"war@loo'in- s"ra"e-/ in "erms of "heir mar'e" emhasis% &s a resul"#

Soneri Ban' e+eloe a -eo-rahi!all/ i+ersifie asse"s ,ase ins"ea of a !on!en"ra"e an

hea+/ relian!e on ,usiness in "he major !ommer!ial !en"ers of Kara!hi an ahore# where mos"

o"her ,an's ha+e "heir oera"ional 3ea 6ffi!es% Pleasan" an sohis"i!a"e a"moshere has ,een

ro+ie in "he ,ran!hes whi!h !arefull/ air !oni"ione an !omu"eri:e% The ,an' af"er ei-h"

mon"hs of fun!"ionin- u,lishe i"s firs" Balan!e Shee" as on =1s"e!em,er# 1;;2 resonin-

wi"h -rea" sa"isfa!"ion "o "he !onfien!e reose in i" ,/ i"s shareholers% &mon- "he new ,an's#

Soneri is a fron" runner an !on"inuous "o ma'e rai s"ries in rese!" of eosi"s% The ,an' is

now in "he ro!ess of !onsolia"ion wi"h !are an !au"ionG an s"ea/ -row"h on soun foo"in-s

wi"h ,es" ossi,le ser+i!es for i"s !us"omers as "he -uiin- rin!iles %The Ruali Drou has an

in+es"men" of more "han Rs%10 ,illion in inus"rial se!"or o"her "han HS65R B&5K TI

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3.1.5-Fnctions of !anagement in "oneri #an$:

*i"h i"s -rowin- mar'e"# Soneri Ban' s"ri!"l/ follows "he "oa/Gs moern mana-emen" "ools "o

rea!h i"s -oals rofessionall/ an su!!essfull/% The ,asi! rin!iles an fun!"ions "ha" are ,ein-

followe an imlemen"e in Soneri Ban' are is!usse ,elow.

3.1.5.1-Planning:

Plannin- is ,asi!all/ "he s"ra"e-/ forme so "ha" "he or-ani:a"ion !an rea!h where i" wan"s "o an

a!!omlish i"s o,je!"i+es% Plannin- in+ol+es e!iin- where "o "a'e a !oman/ an sele!"in-

s"es "o -e" "here% " firs" requires mana-ers "o ,e aware of !hallen-es fa!in- "heir ,usinesses# an

i" "hen i" requires mana-ers "o fore!as" fu"ure ,usiness an e!onomi! !oni"ions% The/ "hen

formula"e o,je!"i+es "o rea!h ,/ !er"ain ealines an e!ie on s"es "o rea!h "hem% The/ re@

e+alua"e "heir lans as !oni"ions !han-e an ma'e ajus"men"s as ne!essar/% Plannin- hels

allo!a"e resour!es an reu!e was"e as well%

The main urose of lannin- is "o minimi:e "he ris' as mu!h as ossi,le%

3.1.5.1.1-Planning Process:

*ere are siE ste+s involved in t*e +lanning +rocessB

1. $tate Organizational Objectives2. Aist t*e alternate ?ays o reac*ing Objectives

3. evelo+ +remises on ?*ic* to base alternative.4. C*oose t*e best alternative or reac*ing objectives.". evelo+ +lans to +rse t*e c*osen alternatives.#. Pt t*e +lan into action.

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C(APTER 1*

Figre-1.4-*e Planning Process

Page | 34

$tate Objectives

5lternate ?ays oreac*ing Objectives

evelo+ +remises on

?*ic* alternates are

based

C*oose best alternate

met*od to reac*

evelo+ +lans to

+rse t*e c*osen

Pt t*e +lan into

action.


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!anagers Plannng Pro$ess

Fi-ure@1%A@Plannin- Pro!ess in Soneri Ban'

3.1.5.2-Organiing:

6r-ani:in- !omes af"er Plannin-% *hen /ou ha+e efine /our o,je!"i+e an se" "he -oals# "hen

ne" mos" imor"an" s"e is "o or-ani:e all /our resour!es (3uman# $one"ar/ an 9ai"al)% "

,asi!all/ !rea"es a me!hanism "o u" lans in"o a!"ion% $ana-ers or-ani:e ,/ ,rin-in- "o-e"her

h/si!al# human an finan!ial resour!es "o a!hie+e o,je!"i+es% The/ ien"if/ a!"i+i"ies "o ,e

a!!omlishe# !lassif/ a!"i+i"ies# assi-n a!"i+i"ies "o -rous or ini+iuals# !rea"e resonsi,ili"/

an ele-a"e au"hori"/% The/ "hen !oorina"e "he rela"ionshis of resonsi,ili"/ an au"hori"/%

Page | 3#

To 0evel !anagers

!id 0evel !anagers

0o6 0evel !anagers0ong Term 7

(ntermediate Term

Planning+

(mlement

Plans+"et goals

(ntermediate

Planning

"'ort Term

Planning


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3.1.5.2.1-(mortance of Organiing:

The or-ani:in- fun!"ion is +er/ imor"an" ar" of "he fun!"ion of $ana-emen" ,e!ause i" is "he

rimar/ me!hanism $ana-ers uses i" "o u" lans in"o a!"ion% 6r-ani:in- 'ees all "he

or-ani:a"ional resour!es "o-e"her ,/ ini!a"in- whi!h resour!es are "o ,e use for an/ se!ifi!

"as' an when "o ,e use% 6r-ani:in- hels "he $ana-ers "o minimi:e "he ris' as well as

wea'ness whe"her in"ernal or e"ernal%

3.1.5.2.2-T'e Organiing Process:

There are fi+e main s"es of or-ani:in- ro!ess -i+en ,elow.

1% Refle!" on Plans an 6,je!"i+es2% s"a,lish $ajor Tas's

=% i+ie $ajor Tas's in"o Su, Tas's

4% &llo!a"e Resour!es an ire!"i+es for Su, Tas's

A% +alua"e "he Resul"s of 6r-ani:in- S"ra"e-/

Fi-ure@1%@ The 6r-ani:in- Pro!ess

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3.1.5.2.3-Organiational "trctre of "oneri #an$:

n Soneri Ban'# all le+el mana-ers are in+ol+e in or-ani:in- "he or-ani:a"ional resour!es

in!luin-# 3uman# $one"ar/# 9ai"al an Raw $a"erial "o rea!h "he -oals more effe!"i+el/ an

effe!"i+el/% Soneri Ban' is a !orora"ion an ue "o i"s -rowin- ne"wor'# Soneri Ban' or-ani:esall "he resour!es in a s/s"ema"i! manner usin- "he $oern $ana-emen" Tools so "ha" resour!es

are no" was"e% ifferen" le+el of $ana-ers has ifferen" "as's assi-ne%

For eamle Bran!h $ana-ers are -i+en "he "as' "o or-ani:e "he ow e+el wor'ers li'e

&ssis"an" $ana-ers# 9ashiers# 9us"omer 9are Reresen"a"i+es an loo' af"er all "he ma""ers an

affairs of "ha" ar"i!ular ,ran!h% 3e is resonsi,le onl/ for "ha" ar"i!ular ,ran!h% 3e has no"hin-

"o o wi"h o"her ,ran!hes% Similarl/# "he Presien" has ,een -i+en "he "as' "o lea "he

or-ani:a"ion ,/ mana-in- "he whole or-ani:a"ion# se""in- -oals an lans an ma'e ne!essar/

e!isions% The 6r-ani:a"ional S"ru!"ure of Soneri Ban' is -i+en ,elow.

Fi-ure@1%7@6r-ani:a"ional S"ru!"ure

Board of Dre$#ors*

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Senor !anage"en#*

Corpora#e Infor"a#on*

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3.1.5.2.3.1-)eartments in "oneri #an$:

The lis" of ear"men"s in Soneri Ban' is -i+en ,elow

AditCommercial and ,etail #an$ing ro5gricltre Credit ivision%ancassrance%ranc* %an&ingConsmer Finance ivisionro+ $!;slamic %an&ing$ervice alityComliance

Cororate 7 (nvestment #an$ingCreditC5Credit e+artmentCredit ivisionAegal e+artment$5! ivisionFinance

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Finance Control nitFinance ivisionFinance O+erations nitFinancial 7e+orting nit!$ nit7econciliation4man ,esorces;m+loyee 7elations07 O+erations7ecritmentraining e+artment(T - 0el+ es& - nrastrctre - O+eration - Project !anagement OGce - 7

!ar$etingOerations5dministration e+artment%ranc* O+erationsCentralized O+erations$ecrity e+artment,is$Credit 7is& !anagement e+artment!ar&et H AiDidity 7is& !anagement e+artmentO+erational 7is&s !anagement e+artment7is& 5nalytics H ;conomic Ca+italTreasry;DityFinancial nstittionForeE!oney !ar&etP7

Ta,le@1%0@is" of ear"men"s

3i-hli-h"e in Dre/ are "he main ear"men"s an "hose men"ione ,elow are "heir su,

ear"men"s%

Presien"

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Senior e!u"i+e ?i!e Presien"

e!u"i+e ?i!e Presien"

Senior ?i!e Presien"

?i!e Presien"

&ssis"an" ?i!e Presien"

6ffi!er Drae 6ffi!er Drae

6ffi!er Drae

Ta,le@2%0@9olour S!heme

Peole fallin- in Bra!'e"s of Dreen hi-hli-h"e -raes are !onsiere "o ,e "o mana-emen"

Eellow hi-hli-h"e are !onsiere "o ,e mile le+el

&n 6ffi!ers -rae are lower mana-emen" or fron" line mana-ers

3.1.5.2.-At'ority:

" is "he ri-h" "o !omman or erform in an or-ani:a"ion%

T/es of &u"hori"/une 2# 201=

Ra"in- &!"ion< $ain"aine

PACRA Website:www.pacra.com.pk

5.2-ra'ical (nformation:

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http://www.pacra.com.pk/http://www.pacra.com.pk/


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C(APTER 3*

CONCL:SION

3+;,Con$luson*

*e s"ar"e off "he roje!" wi"h aim "o a!!omlish "he simle loo'in- "as' of es"a,lishin- a reor"

on S65R B&5K T% Bu" wi"h "ime an eerien!es i" was learn" "ha" "his was no" a" all an

eas/ "as'# ese!iall/ !olle!"in- "he informa"ion an "hen anal/:in- "he e!onomi!al informa"ion as

!omare "o o"her or-ani:a"ions in "he ,an'in- se!"or%

Thou-h we are a,le "o a!hie+e all "he -oals of our roje!" ,u" s"ill we "hin' "ha" lo"s of

a+an!emen" !an ,e one on "his roje!"% *e ha+e ro+ie "he la"form an "he la"form is

rea/ for e+er/one "o wor' on i"% For a+an!emen"s# we nee more "ime# mone/ an har wor'

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"o uners"an "he rin!iles of mana-emen"# s'ills of mana-emen"# fun!"ions of mana-emen" an

"he resonsi,ili"/ of S65R B&5K as an or-ani:a"ion "owars "he so!ie"/%

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C(APTER *

':T:RE RECOO!ENDATIONS

+;,'u#ure Re$o""enda#ons*

&f"er ,riefl/ o,ser+in- an e"ailin- "he roje!"# s"ill i" has man/ fu"ure a+an!emen"

ossi,ili"ies of whi!h are s"a"e as ,elow

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Soneri Bank (Repaired)

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