INTERNSHIP FINAL REPORT Prince Mohammad Bin Fahd University College of Business Administration INTERNSHIP FINAL REPORT Name: Amal Al-essa 200600503 Coop Advisor: Dr. Dalia Younis Coop Supervisor: Ms. Mona Al-Goud Coop Site: Bank Al Bilad Ladies Branch Al Khobar

Background Bank Albilad is a Saudi joint stock company, established (corresponding to 4 November 2004) with a corporate capital of 3,000,000,000 SR The Bank also provides investment services such as asset management and investment funds in addition to providing brokerage services in the capital markets, locally and internationally, to individuals and institutions, through a specialized subsidiary company "Al Bilad Investment Co.“ The bank has a total number of 1,961 employees as of 2012.

Introduction I am always fascinated with the idea of working in a big commercial bank. I would like to develop a career in the banking industry that’s why I have chosen to do my internship at Bank Al Bilad. I believe that the company has the facility to provide me with the necessary training needed before I enter this field. During this internship, I expect to achieve the following objectives; To fully understand bank operations, processes, systems and procedures To experience and learn actual banking tasks and to be able carry out those task To put my educational background into practice To develop work-related skills and personal skills To develop strong work ethics and teamwork skills To discover my inner strengths and weaknesses To seek possible employment after graduation

Three Major Services Asset Management Services Brokerage Services Investment Banking Services Company Overview   Establishment Date: 04/11/2004 Paid up capital: SAR 3,000,000,000 Par value per share: SAR 10.00 Outstanding Shares ('000): 300,000

Vision Mission Basic Values Most reputed Shariah based financial solutions provider, meeting the aspirations of our customers, employees and shareholders Mission To satisfy you and give you the level of respect you deserve through facilitating and expediting your transactions as quickly as possible at a peace of mind. Basic Values   Honesty & integrity Unequivocal commitment to Shariah authenticity Customer service excellence Team-work Corporate social responsibility

Services and Products Consumer services Business finance products Retail banking products Investment products   Consumer services Al Bilad Account Personal Financing Auto Financing Real Estate Financing AlBilad Net AlBilad Tadawul AlBilad 24 AlBilad Credit Card AlBilad Phone Soft Token Packages SIMAH E-Registration

Al-Seef Mutual Funds Performance Reports Corporate services Finance by Musharaka Istisna'aFinance Securitization Finance AlbiladBusiness Net Murabaha Finance Investment services Akar Amwal Asayel AlMurabih Al-Seef Mutual Funds Performance Reports

Conceptual Framework A typical bank transaction processing is presented below. The basic steps of the operations of the bank are provided in sequence. Each department’s function and role in the bank operations are designed to provide control and are illustrated as follows; New Accounts Department Customer Service Department IT Department

Evaluation of the Internship Experience My internship experience at Bank Al Bilad is rewarding. I gained a lot of knowledge about bank operations. This program really helped me overcome fear. With this experience, I feel confident that I can do any job that will be given to me in the future.

Summary of Findings and Recommendations Internship compensate for the gap between college and actual work. In college we were taught about theories and principles. Internship provides an opportunity to practice first hand those theories and principles and prepare us for the bigger responsibility. I have discovered that my academic training at PMU has really prepared me for this kind of work.

Conclusions This internship provided me the opportunity to experiment with jobs that match my academic and personal interests. It provided me an opportunity to try and experiment new things and discover my inner talents and skills in the field. The internship experience gave me a chance to develop industry-specific abilities. I learned the operations of a bank particularly Bank Al Bilad.