1. Internship Experience at SHB
Internship Advisor: Mr. Yacoub Al-Saleh
Ms. Butool Al-Fadagh
Academic Advisor: Dr. Dalia Younis
Presented by:
Nouf Al-Khulif
Hissa Al-Dossary

2. Outline SHB Historical Background & Achievements SHB Operations
SHB Organizational Chart
SHB Mission Statement , Vision Statement, and Corporate Values
SHB Principle Activities
SHB Segments
Business Banking Segment (SME Financing)
About SME department
Experience learned and relating it to what we have learned at PMU
SHB Ladies Banking Division

3. SHB Historical Background & Achievements
Oldest & first operating bank in Saudi Arabia
One of the leading banks
Founded in 1926 as a branch of the Netherland Trading Society, opens its first office in Jeddah.
1926: Acted as the central bank, keeping the Kingdom's gold reserves and receiving oil revenues on behalf of the Saudi Arabian government
1927: Served the pilgrims by supporting their financial needs.
1928: Contributed in the issuance of the first independent currency
1930: Provides finance for the importation of Ford motor cars
1933: First oil deal

4. SHB Historical Background & Achievements
1977: Transfer of ownership to Saudi investors
1990: First ATM
1994: The first foreign bank to become a majority Saudi owned bank
2002: Best Banking Technology Award Card
2003: First Smart Credit Card
2004: Launch of Shariah complaint products
2005: Financing the new Jamarat bridge
2008 First issuance of Murabaha Sukuk
2009: TCR technology
2010: Best Ladies Banking award
2011: Launched The First MasterCard World Credit Card With A Silver Mark in the Middle East

5. SHB operations 1931: First branch in Makkah
1954: First branches in Khobar and Dammam
1977: Established as a joint-venture company with a paid-up capital of SAR 35 million.
1999: First ladies branch in Riyadh
2012:
Operates in Saudi Arabia, Gulf Countries and the Middle East, Europe and America.
Headquartered in Riyadh, Saudi Arabia.
Employs over 1,400 staff with a Saudization ratio of over 87.44%
Operates through a network of more than 50 branches, 15 ladies sections, and over 260 ATMs (Relbanks, 2012).
SHB paid-up capital amounted to SAR 3.9 million.
SHB operations

6. SHB organizational Chart

7. SHB Mission Statement
“Human Resources Department at the Saudi Hollandi Bank is committed to make the bank an employer of choice, through the provision of career development opportunities, competitive compensation packages and a performance-driven culture, leveraging both local HR talent and the HR expertise of ABN-AMRO (SHB, 2012)”.

8. SHB Vision Statement
“To support the aspirations of growth and expansion of the economic sectors, national, and increase their capacity and efficiency of export by allowing diversification of the base sources of income of sectors other non-oil in the Kingdom”.

9. Values SHB Corporate Values
SHB uses the following framework for determining what is acceptable and what is not.
Values
Customer Focus Orientation
Professionalism
Teamwork
Integrity
Performance

10. SHB Principle Activities
SHB Offers corporate and personal banking services which include:
corporate finance, structured finance, working capital, Islamic banking, asset management, treasury, consumer banking, electronic banking, internet banking and private banking

11. Treasury and Investment Banking
SHB Segments
Business Banking
Treasury and Investment Banking
Consumer Banking
Corporate Banking

12. SME Financing Business Banking Segment/EA
In late of 2012, SHB has added a new Business Banking Segment which serve the small & medium enterprises (SME’s), this segment defined by the companies yearly turnover, any company with sales of SAR 5 mln up to 75 mln will be included
SME department is a specialized dept. that care and meets banking need and financial requirements of small/medium companies
The small/medium businesses operating in various sectors including trading, manufacturing, contracting and services

13. Business Banking Segment Products & Services
Facilities
Letter of Credit (LC)
Letter of Guarantees (LG)
Overdrafts
Progress Payment Finance (PPF)
Term Loan (STL – MTL – LTL)

14. Business Banking Segment Steps followed for a New facility request
When a client proposes a certain facility,
The Relationship Manager (RM) meets with the client:
to know the nature of the business
To know the type of facility requested
To know the purpose use of the requested facility
Educating and marketing the fit products to the client that can benefit both parties
Writing a call report when visit, and circulate it to the higher management authorities to get their initial approval to start the credit study
Analyze and spread the client's financial statements for the past three years, using the Moody’s Financial Analyst System

15. Business Banking Segment Steps followed for a new facility request
Write the credit proposal
Prepare projected Risk On Retain Assets (RORA), and Credit Rating Tool (CRT)
Create a presentation using Risk Approval Process & Information Delivery system (RAPID)
Send the proposal, call report, RAPID, projected RORA, and CRT to the Risk Administration Department (RAD) to get their risk approval, then will circulate to the higher authorities

16. Write a review proposal Prepare historical RORA Prepare projected RORA
Business Banking Segment Steps followed for an existing facility Review
Each RM should submit review proposals of their existing clients on an annual basis until the maturity date of the facility
To keep on track with the client's financial performance
Write a review proposal
Prepare historical RORA
Prepare projected RORA
Submit them to the higher authorities

17. Experience learned in the Business Banking Segment
Spreading
Call report
New credit proposal
Annual review proposals
Presentations, using RAPID
Historical RORA, and projected RORA
CRT (Corporate Rating Tool)

18. Relating the technical part to what I have learned at PMU
Learning about the financial statements in my accounting and finance courses helped me in:
Understanding the financial statements given
Using Moody’s Financial Analyst easily, and generating the spread sheet
Analyzing the financials of the clients
Learning about the financial ratios from some of the finance courses helped me in:
- Analyzing the spread sheet generated

19. Deposit/Withdraw Cash Order ATM cards (Master Cards)
Credit Cards
Platinum
Titanium
Gold
Silver
Loans
Personal
Commercial
Corporate
Opening Accounts
Personal account
Sub-account
Est./Co account
Islamic account
Transfers
Internal
Sarie
International
Ladies Banking Division
Deposit/Withdraw Cash
Order ATM cards (Master Cards)
In-Cashment check
Deposit Check
Sadad

20. Experience learned in the Ladies Banking Division
Opening & closing of personal accounts
Credit card processing
Money transfer
Loan processing
ATM acquisition
Mobile numbers update of bank customers

21. Relating the technical part to what I have learned at PMU
The banking and Finance Core Courses such as :
Banking Law
Commercial Banking and Finance
Financial Management
Portfolio Management
Lending Decisions
Investment Banking
Monetary Theory and Policy
The above concept in banking helped me understand easily the banking
products and service being offered by SHB to its clients and helped me
perform my task and responsibility as intern.

22. Thank you for Listening!
End Presentation