Internship Report on MBL
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8/8/2019 Internship Report on MBL
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Wfpzfbify = 9080
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Phnf | 8=
http://en.wikipedia.org/wiki/Types_of_business_entityhttp://en.wikipedia.org/wiki/Public_companyhttp://en.wikipedia.org/wiki/Karachi_Stock_Exchangehttp://www.kse.com.pk/market-data/symlookup_quote.php?keyword=meblhttp://en.wikipedia.org/wiki/Lahore_Stock_Exchangehttp://en.wikipedia.org/wiki/Industryhttp://en.wikipedia.org/wiki/Islamic_Bankinghttp://en.wikipedia.org/w/index.php?title=Al-Meezan_Investment_Bank_Limited&action=edit&redlink=1http://en.wikipedia.org/wiki/Karachihttp://en.wikipedia.org/wiki/Product_(business)http://en.wikipedia.org/wiki/Revenuehttp://en.wikipedia.org/wiki/Websitehttp://www.meezanbank.com/http://en.wikipedia.org/wiki/File:Green_Arrow_Up.svghttp://en.wikipedia.org/wiki/Types_of_business_entityhttp://en.wikipedia.org/wiki/Public_companyhttp://en.wikipedia.org/wiki/Karachi_Stock_Exchangehttp://www.kse.com.pk/market-data/symlookup_quote.php?keyword=meblhttp://en.wikipedia.org/wiki/Lahore_Stock_Exchangehttp://en.wikipedia.org/wiki/Industryhttp://en.wikipedia.org/wiki/Islamic_Bankinghttp://en.wikipedia.org/w/index.php?title=Al-Meezan_Investment_Bank_Limited&action=edit&redlink=1http://en.wikipedia.org/wiki/Karachihttp://en.wikipedia.org/wiki/Product_(business)http://en.wikipedia.org/wiki/Revenuehttp://en.wikipedia.org/wiki/Websitehttp://www.meezanbank.com/ -
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gobikckcn kc}fwzbfcz ihcefyw, gobbfygkhl ihcefyw, Wdhykhd wgdolhyw hcj
lfnhl ftpfyzw zo jf}flop kcco}hzk}f, }khilf, hcj gobpfzkzk}f }hlvf pyopowkzkocw
zdhz coz ocl{ bffz zdf yfxvkyfbfczw om zojh{.w gobplft mkchcgkhl ~oylj, ivz jowo ~kzd zdf ~oylj"glhww wfy}kgf ftgfllfcgf zdhz ovy gvwzobfyw jfbhcj, hll
~kzdkc zdf iovcjw om Wdhykhd#
Phnf | 84
-
8/8/2019 Internship Report on MBL
19/102
Mvyzdfyboyf, zdf Ihce dhw ivklz h wzyocn Kcmoybhzkoc Zfgdcolon{ hcj gvwzobfy
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nyo~kcn iyhcgd cfz~oye hgyoww hll bhaoy gkzkfw chzkoc~kjf# Pyo}kjkcn ovy
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Phnf | 8;
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20/102
Zozhl jfpowkzw hz Jfgfbify 78wz 900; gyowwfj Yw 800 Ikllkoc gobphyfj zo Yw >0
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89#=7 Kc hjjkzkoc zo h lhynf iyhcgd cfz~oye, Bffqhc ihce hlwo dhw hc
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Jf}flopbfcz Ommkgfyw# Zdf iyhcgd lkhiklkz{ whlfw zfhbw dh}f jocf h nyfhz aoi
hcj cffj zo if gobplkbfczfj moy zdfky fmmoyzw#
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Zhcjo"Hllhd"[hy Nvayhz Eodhz
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Phnf | 90
http://www.meezanbank.com/branches.aspx?city=Hub%20(Lasbela)http://www.meezanbank.com/branches.aspx?city=Arifwalahttp://www.meezanbank.com/branches.aspx?city=Abbottabadhttp://www.meezanbank.com/branches.aspx?city=Hyderabadhttp://www.meezanbank.com/branches.aspx?city=Bahawalpurhttp://www.meezanbank.com/branches.aspx?city=Attockhttp://www.meezanbank.com/branches.aspx?city=Karachihttp://www.meezanbank.com/branches.aspx?city=Burewalahttp://www.meezanbank.com/branches.aspx?city=Dera%20Ismail%20Khanhttp://www.meezanbank.com/branches.aspx?city=Mirpurkhashttp://www.meezanbank.com/branches.aspx?city=Chiniothttp://www.meezanbank.com/branches.aspx?city=Dinahttp://www.meezanbank.com/branches.aspx?city=Nawabshahhttp://www.meezanbank.com/branches.aspx?city=Daskahttp://www.meezanbank.com/branches.aspx?city=Gujar%20Khanhttp://www.meezanbank.com/branches.aspx?city=Quettahttp://www.meezanbank.com/branches.aspx?city=D.G%20Khanhttp://www.meezanbank.com/branches.aspx?city=Haripurhttp://www.meezanbank.com/branches.aspx?city=Sakrandhttp://www.meezanbank.com/branches.aspx?city=Faisalabadhttp://www.meezanbank.com/branches.aspx?city=Havelianhttp://www.meezanbank.com/branches.aspx?city=Sukkurhttp://www.meezanbank.com/branches.aspx?city=Gojrahttp://www.meezanbank.com/branches.aspx?city=Islamabadhttp://www.meezanbank.com/branches.aspx?city=Tando%20Adam%20(Sanghar)http://www.meezanbank.com/branches.aspx?city=Gujranwalahttp://www.meezanbank.com/branches.aspx?city=Jhelumhttp://www.meezanbank.com/branches.aspx?city=Tando%20Allahyarhttp://www.meezanbank.com/branches.aspx?city=Gujrathttp://www.meezanbank.com/branches.aspx?city=Kohathttp://www.meezanbank.com/branches.aspx?city=Hafizabadhttp://www.meezanbank.com/branches.aspx?city=Mansehrahttp://www.meezanbank.com/branches.aspx?city=Hub%20(Lasbela)http://www.meezanbank.com/branches.aspx?city=Arifwalahttp://www.meezanbank.com/branches.aspx?city=Abbottabadhttp://www.meezanbank.com/branches.aspx?city=Hyderabadhttp://www.meezanbank.com/branches.aspx?city=Bahawalpurhttp://www.meezanbank.com/branches.aspx?city=Attockhttp://www.meezanbank.com/branches.aspx?city=Karachihttp://www.meezanbank.com/branches.aspx?city=Burewalahttp://www.meezanbank.com/branches.aspx?city=Dera%20Ismail%20Khanhttp://www.meezanbank.com/branches.aspx?city=Mirpurkhashttp://www.meezanbank.com/branches.aspx?city=Chiniothttp://www.meezanbank.com/branches.aspx?city=Dinahttp://www.meezanbank.com/branches.aspx?city=Nawabshahhttp://www.meezanbank.com/branches.aspx?city=Daskahttp://www.meezanbank.com/branches.aspx?city=Gujar%20Khanhttp://www.meezanbank.com/branches.aspx?city=Quettahttp://www.meezanbank.com/branches.aspx?city=D.G%20Khanhttp://www.meezanbank.com/branches.aspx?city=Haripurhttp://www.meezanbank.com/branches.aspx?city=Sakrandhttp://www.meezanbank.com/branches.aspx?city=Faisalabadhttp://www.meezanbank.com/branches.aspx?city=Havelianhttp://www.meezanbank.com/branches.aspx?city=Sukkurhttp://www.meezanbank.com/branches.aspx?city=Gojrahttp://www.meezanbank.com/branches.aspx?city=Islamabadhttp://www.meezanbank.com/branches.aspx?city=Tando%20Adam%20(Sanghar)http://www.meezanbank.com/branches.aspx?city=Gujranwalahttp://www.meezanbank.com/branches.aspx?city=Jhelumhttp://www.meezanbank.com/branches.aspx?city=Tando%20Allahyarhttp://www.meezanbank.com/branches.aspx?city=Gujrathttp://www.meezanbank.com/branches.aspx?city=Kohathttp://www.meezanbank.com/branches.aspx?city=Hafizabadhttp://www.meezanbank.com/branches.aspx?city=Mansehra -
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Adhcn Bhyjhc
Ehwvy Bvqhmmhyhihj
Edhcpvy Co~wdfyh
Edvwdhi Pfwdh~hy
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7#7 Mkchcgkhl Hchl{wkw
Phnf | 98
http://www.meezanbank.com/branches.aspx?city=Jhanghttp://www.meezanbank.com/branches.aspx?city=Mardanhttp://www.meezanbank.com/branches.aspx?city=Kasurhttp://www.meezanbank.com/branches.aspx?city=Muzaffarabadhttp://www.meezanbank.com/branches.aspx?city=Khanpurhttp://www.meezanbank.com/branches.aspx?city=Nowsherahttp://www.meezanbank.com/branches.aspx?city=Khushabhttp://www.meezanbank.com/branches.aspx?city=Peshawarhttp://www.meezanbank.com/branches.aspx?city=Lahorehttp://www.meezanbank.com/branches.aspx?city=Rawalpindihttp://www.meezanbank.com/branches.aspx?city=Lalamusahttp://www.meezanbank.com/branches.aspx?city=Swathttp://www.meezanbank.com/branches.aspx?city=Mandi%20Bahauddinhttp://www.meezanbank.com/branches.aspx?city=Mian%20Channuhttp://www.meezanbank.com/branches.aspx?city=Multanhttp://www.meezanbank.com/branches.aspx?city=Okarahttp://www.meezanbank.com/branches.aspx?city=Rahim%20Yar%20Khanhttp://www.meezanbank.com/branches.aspx?city=Sadiqabadhttp://www.meezanbank.com/branches.aspx?city=Sahiwalhttp://www.meezanbank.com/branches.aspx?city=Sargodhahttp://www.meezanbank.com/branches.aspx?city=Sheikhupurahttp://www.meezanbank.com/branches.aspx?city=Sialkothttp://www.meezanbank.com/branches.aspx?city=Mansehrahttp://www.meezanbank.com/branches.aspx?city=Jhanghttp://www.meezanbank.com/branches.aspx?city=Mardanhttp://www.meezanbank.com/branches.aspx?city=Kasurhttp://www.meezanbank.com/branches.aspx?city=Muzaffarabadhttp://www.meezanbank.com/branches.aspx?city=Khanpurhttp://www.meezanbank.com/branches.aspx?city=Nowsherahttp://www.meezanbank.com/branches.aspx?city=Khushabhttp://www.meezanbank.com/branches.aspx?city=Peshawarhttp://www.meezanbank.com/branches.aspx?city=Lahorehttp://www.meezanbank.com/branches.aspx?city=Rawalpindihttp://www.meezanbank.com/branches.aspx?city=Lalamusahttp://www.meezanbank.com/branches.aspx?city=Swathttp://www.meezanbank.com/branches.aspx?city=Mandi%20Bahauddinhttp://www.meezanbank.com/branches.aspx?city=Mian%20Channuhttp://www.meezanbank.com/branches.aspx?city=Multanhttp://www.meezanbank.com/branches.aspx?city=Okarahttp://www.meezanbank.com/branches.aspx?city=Rahim%20Yar%20Khanhttp://www.meezanbank.com/branches.aspx?city=Sadiqabadhttp://www.meezanbank.com/branches.aspx?city=Sahiwalhttp://www.meezanbank.com/branches.aspx?city=Sargodhahttp://www.meezanbank.com/branches.aspx?city=Sheikhupurahttp://www.meezanbank.com/branches.aspx?city=Sialkot -
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Phekwzhc dhw goczkcvfj zo wvmmfy myob zdf mhllovz om zdf kczfychzkochl mkchcgkhl
gykwfw zdhz ifnhc kc 9004# Wkcgf zdf kcgfpzkoc om Bffqhc ihce fgocobkg
wdogew ~fyf vwvhl hcj ihcew hyf coz ftfbpzkoc zo zdfwf wdogew# Zdf
kcwzhiklkz{ om zdf fgocob{ dhw hlwo hmmfgzfj zdf ihce zo wobf ftzfcz# Gvyyfcz
{fhyw pyomkz yhzkcn wdo~w zdf bhchnfbfczw fmmfgzk}f polkgkfw hcj }khiklkz{#
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Jfwpkzf zdf jkmmfyfcz fgocobkg gocjkzkocw, Bffqhc Ihce dhw hgdkf}fj
ftgfllfcz yfwvlzw# Wf}fyhl dkwzoykg bklfwzocfw dh}f iffc hgdkf}fj kc 900;#
Kc opfyhzkochl hchl{wkw, ~fll bhkcl{ mogvw oc hj}hcgfw, jfpowkzw, kc}fwzbfczw,
fhyckcnw pfy wdhyf, lohcw hcj ghpkzhl jfzhklw yfwpfgzk}fl{# Zdfwf ~kll if oc
pykbhy{ mogvw hcj ~kll if jkwgvwwfj kc boyf jfzhklw kc zdf gobkcn pfykoj#
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Jfpowkzw Yw# 800 Ikllkoc Yw# >0 Ikllkoc :7&
Pyomkz hmzfy zhthzkoc" ihce Yw# 8#096 Ikllkoc Yw# 0#=98
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=6&
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Mkchcgkcn/hj}hcgfw Yw# ::844 Ikllkoc Yw#7;694Ikllko 86&
Phnf | 99
-
8/8/2019 Internship Report on MBL
23/102
c
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Zdf iyhcgd cfz~oye goczkcvfj kzw bobfczvb om nyo~zd kc opfyhzkochl myocz#Zdf iyhcgd cfz~oye om zdf ihce ftphcjfj myob 8== zo 908 kc 6: gkzkfw i{
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yfwpfgzk}fl{# Zdf ihce fcao{fj zdf pyomkz ifmoyf zht om Yw 8>:0 Ikllkoc hw
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hc kbpyfwwk}f =6& kcgyfhwf kc pyomkz hmzfy zhthzkoc, myob Yw =98 Bkllkoc zo Yw#
8096 Bkllkoc# Kc hjjkzkoc, zdf gocwolkjhzfj pyomkz hmzfy zht kcgyfhwfj hz zdf yhzf
om =:0& yfwpfgzk}fl{# Zdf ihce dhw iffc ghvzkovw kc kcgyfhwkcn kzw mkchcgkhl
poyzmolko jvf zo zdf vcgfyzhkc fgocobkg hcj polkzkghl fc}kyocbfczw om zdf
govczy{# Zdf zozhl mkchcgkhl poyzmolko nyf~ i{ ocl{ 86& jvykcn zdf {fhy
yfwpfgzk}fl{# Zdf ihcew fxvkz{ wzooj hz Yw# ;0;8Ikllkoc hz zdf fcj om {fhy
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Fhyckcnw pfy Wdhyf
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zdf wzoge ftgdhcnf# Zdkw ~kll kcgyfhwf zdf ihcew phkj vp ghpkzhl zo Yw =#;4
Ikllkoc
Phnf | 97
-
8/8/2019 Internship Report on MBL
24/102
Ykndz Wdhyfw
Zdf phkj vp ghpkzhl om ihce ~hw kcgyfhwfj zo =#= Ikllkoc jvykcn zdf {fhy hmzfy
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wzyhzfnkg plhc moy zdf pfykoj om 9080 zo 908: hyf zo1
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Bhkczhkc nyo~zd ~kzdovz hc{ gobpyobkwf oc Wdhykhd gobplkhcgf
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pyogfww om kcwzhllkcn zdf lhzfwz Z"9: zfgdcolon{ zo hll om kzw iyhcgdfw# Zdf
jfplo{bfcz kw kc pyonyfww hcj zdf fczkyf cfz~oye ~kll if w~kzgdfj zo Z"9: i{
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Phnf | 9:
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25/102
8# Mkchcgkhl Yfpoyz 900;7#7#9 Ihlhcgf Wdffz Hchl{wkw9
Phnf | 96
-
8/8/2019 Internship Report on MBL
26/102
"
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Phnf | 9=
-
8/8/2019 Internship Report on MBL
27/102
Zdf zozhl hwwfzw moy zdf {fhy 900; hbovczfj zo Yw# 89:849 Bkllkoc5 mkchcgkcn om
zdf ihce dhj zdf wdhyf om Yw# ::84; Bkllkoc, mollo~fj i{ zdf kc}fwzbfczw bhjf
i{ zdf ihce om Yw# 979;8 Bkllkoc# Zdf zozhl lkhiklkzkfw om zdf ihce hbovczfj moy
Phnf | 9>
-
8/8/2019 Internship Report on MBL
28/102
Yw# 88:;;4 Bkllkoc moy zdf {fhy 900;, om ~dkgd zdf zozhl jfpowkzw hcj ozdfy
hggovczw hbovczw zo Yw# 8007778Bkllkoc wfzzkcn ;9& om zdf zozhl lkhiklkzkfw om
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zdf kcgyfhwf om 78& myob 9004w fxvkz{ yfwpfgzk}fl{# Zdfyf ~hw hc kcgyfhwf om
9=&, ;0;8B, kc zdf wdhyf ghpkzhl om Bffqhc ihce hw gobphyfj zo zdf 9004w
mknvyfw $=7:8 B+#
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oynhckqhzkoc hcj zo gobphyf zdhz pfymoybhcgf yhzko ~kzd pyf}kovw {fhy yhzko
hcj mvzvyf om zdf powkzkoc om zdf oynhckqhzkoc# Kc zdkw poyzkoc ~fll hchl{qf zdf
kbpoyzhcz mkchcgkhl yhzkow om Bffqhc Ihce, hlwo zdf gobphyhzk}f yfwvlzw kc
{fhyl{ moyb hyf jfpkgzfj zo wzvj{ zdf zyfcj om yhzkow hcj yfhwocw moy kcgyfhwf
oy jfgyfhwf wdhll if ftplhkcfj#
Yfzvyc oc Fxvkz{
Yfzvyc oc Fxvkz{ 2 Cfz Pyomkz hmzfy Zht / Wzogedoljfyw Fxvkz{
900; 2 $8096768/;0;0676+ t 800 2 88#94&
9004 2 $=9884> / =7:80;>+ t 800 2 ;#40 &
900> 2 $;=7608 / 6>8;;80+ t 800 2 8=#4: &
900= 2 $=0:968 / :>6=:0;+ t 800 2 89#>0 &
9006 2 $:8;:66 / 9;>0;:0+ t 800 2 8:#89 &
0
6
80
86
90
YOF$&+
YOF$&+ 88#94 ;#4 8=#4: 89#> 8:#89
900; 9004 900> 900= 9006
Phnf | 94
-
8/8/2019 Internship Report on MBL
29/102
Zdkw yhzko wdo~w zdf pyomkz fhycfj i{ zdf gobphc{ hw h pfygfczhnf om zdf
hbovcz om fxvkz{/ ghpkzhl kc}fwzfj i{ zdf gobphc{ kc zdf ivwkcfww# K dh}f
hchl{qfj lhwz mk}f {fhyw YOF zo dh}f h ifzzfy vcjfywzhcjkcn om zdf gobphc{w
yhzko om kc}fwzbfcz kc zdf ivwkcfww# Kc zdf {fhy 9006, zdkw yhzko ~hw 8: pfygfcz
ivz zdkw yhzko wffbw zo mlvgzvhzf kc zdf lhzfy {fhyw# Kc zdf {fhy 900>, zdkw yhzko
kbpyo}fj zo 8= pfygfcz ivz hnhkc kc zdf {fhy 9004 kz kw jfglkcfj zo hiovz 80
pfygfcz# Zdkw kw ifghvwf zdf gobphc{ dhw kcgyfhwfj zdf hbovcz om ghpkzhl ivz
zdf cfz pyomkz hmzfy zht govlj coz if kcgyfhwfj hggoyjkcn zo zdhz yhzko# Do~f}fy
kc zdf {fhy 900>, zdf yhzko ~hw kcgyfhwfj zo zdf bhtkbvb om hll zdf pyf}kovw
{fhyw kc wpkzf om hc kcgyfhwf kc zdf wzogedoljfyw fxvkz{# Zdkw kw ifghvwf zdf
cfz pyomkz ~hw kcgyfhwfj pyopoyzkochzfl{ zo zdhz# Do~f}fy kc zdf {fhy 900;, zdf
wkzvhzkoc kw coz }fy{ ihj zdf ihce hw gobphyfj zo zdf lhwz {fhyw yhzko# Zdfyf kw
h wlkndz kcgyfhwf om 8#:4& kc zdf yfzvyc oc fxvkz{ kc zdf {fhy 900; ~dkgd
bfhcw zdf hbovcz om pyomkz kcgyfhwfj#
Yfzvyc oc Hwwfzw
Yfzvyc oc Hwwfzw2 Cfz Pyomkz hmzfy Zht / Zozhl Hwwfzw
900; 2 $8096768/89:848>7:+ t 800 2 0#49 &
9004 2 $=9884> / 469>=0>0+ t 800 2 0#>7 &
900> 2 $;=7608 / =>8>466;+ t 800 2 8#:7 &
900= 2 $=0:968 / :=:74=97+ t 800 2 8#70 &9006 2 $:8;:66 / 70=>6499+ t 800 2 8#7> &
Phnf | 9;
-
8/8/2019 Internship Report on MBL
30/102
-
8/8/2019 Internship Report on MBL
31/102
9006 2 $>9;478 / 70=>6499+ t 800 2 9#74 &
0
8
9
7
:
Cfz Wpyfhj Bhynkc $&+
Cfz Wpyfhj Bhynkc $&+ 9#> 7#69 8#;4 8#== 9#74
900; 9004 900> 900= 9006
Zdkw yhzko wdo~w zdf nyoww fhyckcnw oc mkchcgkcn lfww zdf yfzvyc phkj zo zdf
jfpowkz doljfyw hw h pfygfczhnf om zozhl hwwfzw# Zdkw kw wobf woyz om nyoww pyomkz
yhzko ifghvwf zdf fhyckcn oc mkchcgkcn kw zdf bhkc yf}fcvf om zdf ihce ~dfyf
zdf yfzvyc phkj zo jfpowkz doljfyw kw zdf gowz om zdowf mvcjw# Dfyf zdkw yhzko
wdo~w zdhz zdf wkzvhzkoc ~hw ifzzfy kc zdf {fhy 9006 ivz kc zdf {fhy 900= kz kw
hnhkc jfglkcfj# Zdfc kc zdf {fhy 900> kz hnhkc ifghbf ifzzfy ~dklf kc zdf {fhy
9004 wvypykwkcnl{ zdkw yhzko kw zdf dkndfwz# Hlzdovnd zdf cfz pyomkz hmzfy zht kc
zdkw {fhy kw lfwwfy zdhc zdhz om zdf pyf}kovw {fhyw ivz zdkw yhzko wdo~w zdhz zdf
ihce dhw ifgobf fmmkgkfcz kc kzw goyf opfyhzkocw hcj zdf pyoilfb lkfw ~kzd kzw
ozdfy kcgobf hcj ozdfy ftpfcwfw#
Cfz Ozdfy Kcgobf Bhynkc
Cfz Ozdfy Kcgobf Bhynkc 2 Cfz Ozdfy Kcgobf / Zozhl Hwwfzw
900; 2 $86;>40: / 89:848>7:+ t 800 2 8#9; &
Phnf | 78
-
8/8/2019 Internship Report on MBL
32/102
9004 2 $>0>;04 / 469>=0>0+ t 800 2 0#47 &
900> 2 $87:>4;7 / =>8>466;+ t 800 2 9#08 &
900= 2 $=;06=8 / :=:74=97+ t 800 2 8#:; &
9006 2 $=99868 / 70=>6499+ t 800 2 9#07&
0
0#6
8
8#6
9
9#6
Cfz Ozdfy Kcgobf Bhynkc $&+
Cfz Ozdfy Kcgobf
Bhynkc $&+
8#9; 0#47 9#08 8#:; 9#07
900; 9004 900> 900= 9006
Cfz ozdfy kcgobf bhynkc kw zdf pfygfczhnf zdhz wdo~w zdf yfzvyc fhycfj i{
zdf ihce myob zdf wovygfw ozdfy zdhc kzw goyf opfyhzkocw# Effpkcn kc }kf~ zdf
kczfcwf gobpfzkzkoc hbocn zdf ihcew zojh{, h ihce bvwz wfykovwl{
gocgfczyhzf oc zdf ozdfy wovygfw ifghvwf kc zdkw wdffy gobpfzkzkoc h ihce kw
coz kc h powkzkoc zo fhyc pyfbkvb yf}fcvf oc zdf mkchcgfw pyo}kjfj# Moy
Bffqhc Ihce, zdkw yhzko wdo~w zdhz zdfyf dh}f iffc zdf mlvgzvhzkocw kc ozdfy
kcgobf myob {fhy zo {fhy ivz zdf wkzvhzkoc kw }fy{ ihj kc zdf {fhy 9004 ~dfyf
zdkw yhzko kw zdf bkckbvb om hll zdf pyf}kovw {fhyw# Jvf zo zdkw yfhwoc zdf
o}fyhll pfymoybhcgf om zdf ihce jfglkcfj zdhz {fhy#
Phnf | 79
-
8/8/2019 Internship Report on MBL
33/102
Fhyckcnw pfy Wdhyf
Fhyckcnw pfy Wdhyf 2 Cfz Pyomkz hmzfy Zht / Cvbify om Wdhyfw
Kwwvfj
900; 2 $8096768/==600:4+ 2 Yw#8#>8 pfyWdhyf
9004 2 $=9884> / :;96;=#8+ 2 Yw#8#9= pfy
Wdhyf
900> 2 $;=7608 / 7>>;4;#>+ 2 Yw#8#;= pfy
Wdhyf
900= 2 $=0:968 / 7>>;4;#>+ 2 Yw#8#44 pfy
Wdhyf
9006 2 $:8;:66 / 907=64#9+ 2 Yw#8#:= pfy
Wdhyf
0
0#6
8
8#6
9
9#6
FhyckcnwPfy Wdhyf
FhyckcnwPfy Wdhyf 8#>8 8#9= 8#;= 8#44 8#:=
900; 9004 900> 900= 9006
FPW kw zdf yhzko zdhz bfhwvyfw do~ bhc{ yvpffw zdf gobphc{ dhw fhycfj
hnhkcwz ocf oyjkchy{ wdhyf kwwvfj zo zdf wdhyfdoljfyw# Zdf nyfhzfy kw zdf yhzko,
zdf ifzzfy kz ~ovlj if# Kz kw ifghvwf zdf gobphc{ ~kll dh}f zdf nyfhzfy hbovcz
om pyomkzw pfy wdhyf zo ph{ hw jk}kjfcj zo zdf wdhyfdoljfyw# Zdkw yhzko kw zdf
bowz kbpoyzhcz yhzko myob zdf wdhyfdoljfyw pokcz om }kf~ ifghvwf zdf{ hlwo
~hcz zo eco~ zdhz do~ bvgd zdf gobphc{ kw nokcn zo ph{ zdfb hnhkcwz zdf
Phnf | 77
-
8/8/2019 Internship Report on MBL
34/102
cvbify om wdhyfw zdf{ hyf dh}kcn# Moy Bffqhc Ihce, zdkw yhzko kbpyo}fj myob
zdf {fhy 9006 zo zdf {fhy 900> ~kzd h lkzzlf ftgfpzkoc kc 9006 ivz kc zdf {fhy
900; zdfyf kw h wlkndz kcgyfhwf om Yw#8#>8 pfy wdhyf ~dkgd kw ifghvwf zdf
gobphc{ dhw kwwvfj iocvw wdhyfw zo kzw wdhyfdoljfyw hw h wzoge jk}kjfcj#
Wzoge Jk}kjfcj Pfygfczhnf
900; 2 6&
9004 2 4#= &
900> 2 90 &
900= 2 80 &
9006 2 8= &
0
6
80
86
90
96
Wzoge Jk}kjfcj Pfygfczhnf
WzogeJk}kjfcj
Pfygfczhnf
6 4#= 90 80 8=
900; 9004 900> 900= 9006
O}fy zdf {fhyw myob 900: zo 9004, zdf ihce dhw iffc ph{kcn zdf wzoge
jk}kjfcj kcwzfhj om ghwd jk}kjfcj# Hlzdovnd zdkw kw coz h nooj wknc ivz ~f ghc
wh{ zdhz wkcgf zdkw kw ifghvwf om zdf gocwfcz om zdf wdhyfdoljfyw zdhzw ~d{ kz
kw gobpyobkwf hilf# Zdkw yhzko wdo~w zdhz zdf ihce dhw iffc ph{kcn wvmmkgkfcz
hbovcz om jk}kjfcj zo zdf wdhyfdoljfyw myob zdf {fhy 9006 zo zdf {fhy 900>
ivz kc zdf {fhy 9004 zdkw yhzko jfglkcfj 88#: Zdkw ~hw ifghvwf kc zdf {fhy
9004, zdf ihce dhj coz fhycfj h dhcjwobf hbovcz om pyomkzw zo avwzkm{ zdf
Phnf | 7:
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8/8/2019 Internship Report on MBL
35/102
lhynfy wzoge jk}kjfcjw# Kc zdf {fhy 900;, zdf wkzvhzkoc kw loz boyf hlhybkcn zdf
hlyfhj{ jfglkckcn jk}kjfcj mvyzdfy jfglkcfj zo 6& ~dkgd kw coz h nooj wknc
ifghvwf zdf ihce, hw gobphyfj zo lhwz {fhy pyomkz yhzf, dhw fhycfj nyo~zd om
=6& kc 900; ivz wzkll zdf hbovcz om jk}kjfcj kw ~h{ zoo lo~#
Bhyefz Pykgf pfy Wdhyf
900; 2 Yw#86#>: pfy Wdhyf
9004 2 Yw#98#:4 pfy Wdhyf
900> 2 Yw#74#66 pfy Wdhyf
900= 2 Yw#8;#60 pfy Wdhyf
9006 2 Yw#97#96 pfy Wdhyf
0
80
90
70
:0
60
Bhyefz Pykgf Pfy Wdhyf $Yw+
Bhyefz Pykgf Pfy Wdhyf
$Yw+
86#>: 98#:4 74#66 8;#6 97#96
900; 9004 900> 900= 9006
Zdf bhyefz pykgf pfy wdhyf dhw iffc mlvgzvhzkcn myob {fhy zo {fhy ivz zdf
o}fyhll kbphgz oc zdf bhyefz pykgf kw fcgovyhnkcn# Do~f}fy ~f wvnnfwz zdhz
zdf ihce wdovlj wzop ph{kcn wzoge jk}kjfcjw hw zdkw kcgyfhwfw zdf cvbify om
wdhyfw kc gkygvlhzkoc hcj zdf vlzkbhzf yfwvlz ~kll if zdf jfglkcf kc zdf bhyefz
pykgf#
Phnf | 76
-
8/8/2019 Internship Report on MBL
36/102
Pykgf Fhyckcn Yhzko
Pykgf Fhyckcn Yhzko 2 Bhyefz Pykgf pfy Wdhyf / Fhyckcnw pfy
Wdhyf
900; 2 86#>: / 8#>8 2 ;#90
9004 2 98#:4 / 8#9= 2 8>#07
900> 2 74#66 / 8#;= 2 86#89
900= 2 8;#60 / 8#44 2 80#68
9006 2 97#96 / 8#:= 2 86#;9
0
6
80
86
90
Pykgf FhyckcnYhzko
Pykgf FhyckcnYhzko ;#9 8>#07 86#89 80#68 86#;9
900; 9004 900> 900= 9006
Zdf pykgf fhyckcnw yhzko kw gobbocl{ vwfj zo hwwfww zdf o~cfyw hppyhkwhl om
wdhyf }hlvf# Zdkw yhzko bfhwvyfw zdf hbovcz zdhz kc}fwzoyw hyf ~kllkcn zo ph{
moy fhgd yvpff om gobphc{w fhyckcnw# Zdf lf}fl om zdkw yhzko kcjkghzfw zdf
jfnyff om gocmkjfcgf zdhz kc}fwzoyw dh}f kc zdf mkybw mvzvyf pfymoybhcgf# Zdf
dkndfwz zdf P/F yhzko nyfhzfy ~kll if zdf kc}fwzoy gocmkjfcgf kc zdf gobphc{#
Zdf mknvyfw ghlgvlhzfj hio}f wdo~ zdhz zdf kc}fwzoyw gocmkjfcgf kc zdf
gobphc{ kw kcgyfhwkcn {fhy i{ {fhy hw zdkw yhzko kw kcgyfhwkcn myob fhylkfy {fhyw
zo zdf lhzfy {fhyw# Kc zdf {fhy 900=, zdkw yhzko ~hw jfgyfhwfj ivz wooc hmzfy
zdhz zdkw yhzko ~hw kbpyo}fj kc 900> hcj ifghbf f}fc ifzzfy kc 9004#
Phnf | 7=
-
8/8/2019 Internship Report on MBL
37/102
Cfz Pyomkz ifmoyf Zht Bhynkc
900; 2 8:#4> &
9004 2 87#98 &
900> 2 98#:7 &
900= 2 99#;4 &
9006 2 70#:9 &
0
80
90
70
:0
Cfz Pyomkz Ifmoyf Zht $&+
Cfz Pyomkz Ifmoyf Zht $&+ 8:#4> 87#98 98#:7 99#;4 70#:9
900; 9004 900> 900= 9006
Cfz pyomkz ifmoyf zht bhynkc yfpyfwfczw zdf pyomkz fhycfj ifmoyf zht hw h
pfygfczhnf om nyoww yf}fcvf# Zdf cffj zo ghlgvlhzf zdkw yhzko kw zdhz zdf hgzvhl
pfymoybhcgf om zdf ihce kw bfhwvyfj ifmoyf zht hcj coz hmzfy zht# Wo zdkw yhzko
wdo~w zdhz zdf pyomkz fhycfj i{ zdf ihce kcgyfhwfj kc zdf {fhy 9006 ivz kc zdf
lhzfy {fhyw zdkw yhzko goczkcvfj zo jfglkcf hcj kc zdf {fhy 900; zdkw yhzko ~hw
ocl{ 8:#4> pfygfcz ivz kz ~hw ifzzfy hw gobphyfj zo zdhz om {fhy 9004#
Cfz Pyomkz hmzfy Zht Bhynkc
900; 2 4#>= &
9004 2 4#9> &
900> 2 8=#9> &
900= 2 8>#40 &
Phnf | 7>
-
8/8/2019 Internship Report on MBL
38/102
9006 2 90#86 &
0
6
80
86
90
96
Cfz Pyomkz Hmzfy Zht $&+
Cfz Pyomkz Hmzfy Zht $&+ 4#>= 4#9> 8=#9> 8>#4 90#86
900; 9004 900> 900= 9006
Cfz pyomkz hmzfy zht bhynkc ~hw hiovz 98 pfygfcz kc zdf {fhy 9006 ~dfyfhw kz
wzhyzfj jfgyfhwkcn nyhjvhll{ kc zdf wviwfxvfcz {fhyw# Zdf bhkc yfhwoc moy zdkw
jfgyfhwf kc zdf cfz pyomkz ~hw kcgyfhwf kc zdf ozdfy ftpfcwfw hcj hlwo ifghvwf
om hc kcgyfhwf kc zdf hbovcz om zhthzkoc# Hlzdovnd zdf ifzzfy bfhwvyf moy zdf
fmmkgkfcg{ om zdf bhchnfbfcz kw zdf cfz pyomkz ifmoyf zht bhynkc ivz wkcgf zdhz
pyomkz kw coz oc zdf jkwpowhl om zdf bhchnfbfcz wo kz kw ifzzfy zo ghlgvlhzf zdf
cfz pyomkz hmzfy zht bhynkc wo zdhz zdf jkwpowhilf kcgobf om zdf oynhckqhzkoc
wdovlj if bfhwvyfj# Hcj zdkw yhzko wdo~w zdhz zdf fmmkgkfcg{ om zdf
oynhckqhzkoc kw jfgyfhwkcn {fhy i{ {fhy# Zdfyf kw ocl{ 0#:;& kcgyfhwf kc zdf
{fhy 900; ~dkgd kw coz h nooj wknc hw zdkw yhzko wdo~w zdf fmmkgkfcg{ om zdf
oynhckqhzkoc#
Opfyhzkcn Ftpfcwfw zo Kcgobf
900; 2 >9#86 &
9004 2 >>#9: &
900> 2 >8#98 &
900= 2 >7#:0 &
Phnf | 74
-
8/8/2019 Internship Report on MBL
39/102
9006 2 =>#>8 &
=0
=6
>0
>6
40
OpfyhzkcnFtpfcwfwzo Kcgobf $&+
OpfyhzkcnFtpfcwfw
zo Kcgobf $&+
>9#86 >>#9: >8#98 >7#: =>#>8
900; 9004 900> 900= 9006
Zdf opfyhzkcn ftpfcwf zo kcgobf yhzko wdo~w zdhz zdf oynhckqhzkoc dhw iffc
hilf zo goczyol kzw opfyhzkcn ftpfcwfw o}fy zdf {fhy myob 9006 zo 900;# Zdkw
yhzko ~hw =>#>8 pfygfcz kc zdf {fhy 9006 hcj kc zdf {fhy 900; kz kw fcjfj ~kzd
h lkzzlf kcgyfhwf zo >9#86 pfygfcz# Kc wpkzf om zdf wzhiklkz{ om zdkw yhzko zdf cfz
pyomkz bhynkc om zdf ihce jfglkcfj zo h gocwkjfyhilf ftzfcz# Zdkw ~hw ifghvwf
om hc kcgyfhwf kc zdf ozdfy ftpfcwfw om zdf oynhckqhzkoc# Wo zdf ihce wdovlj
mogvw zo jfgyfhwf kzw opfyhzkcn ftpfcwfw wo zdhz kzw cfz pyomkz wdovlj if
kbpyo}fj#
Mkchcgkcn zo Jfpowkz Yhzko"Cfz
900; 2 ::#0: &
9004 2 68#=9 &
900> 2 6=#;0 &
900= 2 =6#=4 &
9006 2 >7#4= &
Phnf | 7;
-
8/8/2019 Internship Report on MBL
40/102
0
90
:0
=0
40
MJY $&+
MJY$&+ ::#0: 68#=9 6=#; =6#=4 >7#4=
900; 9004 900> 900= 9006
Mkchcgkcn zo jfpowkz yhzko kw pfydhpw zdf bowz gykzkghl yhzko moy h gobbfygkhl
ihce# Zdkw yhzko yfpyfwfczw zdf hbovcz ftzfcjfj hw h lohc i{ h ihce zo kzw
glkfczw gobphyfj zo jfpowkzw zdhz zdf ihce yfgfk}fw myob kzw jfpowkz doljfyw#
Hw pfy zdf jfmkckzkoc om h gobbfygkhl ihce, zdf ihce kw hc kcwzkzvzkoc zdhz
yfgfk}fw bocf{ myob zdowf ~do dh}f kz wphyf hcj lfcjw kz zo zdowf ~do hyf kc
cffj om zdfb# Zdkw yhzko om Bffqhc Ihce dhw iffc jfglkckcn myob zdf {fhy
9006 zo zdf {fhy 9004# Zdf ihce wdovlj wfykovwl{ gocwkjfy zdkw yhzko ifghvwf
zdfwf hyf zdf goyf opfyhzkocw om zdf ihce# Km zdf ihce govlj coz mvll{ vzklkqf zdf
mvcjw yfgfk}fj myob zdf jfpowkz doljfyw kz ~ovlj dh}f zo wvmmfy h loww om kzw cfz
kcgobf#
Iooe ]hlvf pfy Wdhyf
Iooe ]hlvf pfy Wdhyf 2 Wzogedoljfyw Fxvkz{ / Co# om Gobboc Wdhyfw
Kwwvfj
900; 2 ;0;0B / ==60 B 2 Yw#8#7= pfy Wdhyf
9004 2 =7:8 B / :;96 B 2 Yw#8#9; pfy Wdhyf
900> 2 6>90 B / 7>>; B 2 Yw#8#;6 pfy Wdhyf
Phnf | :0
-
8/8/2019 Internship Report on MBL
41/102
900= 2 :>=7 B / 7>>;B 2 Yw#8#;> pfy Wdhyf
9006 2 7096 B / 907= B 2 Yw#8#:; pfy Wdhyf
0
0#6
8
8#6
9
9#6
Iooe]hlvf Pfy Wdhyf
Iooe ]hlvf Pfy Wdhyf 8#7= 8#9; 8#;6 8#;> 8#:;
900; 9004 900> 900= 9006
Iooe }hlvf pfy wdhyf kw zdf yhzko zdhz wdo~w zdhz do~ bvgd }hlvf om hwwfzw zdf
ihce dhw zo ph{ zo kzw wdhyfdoljfyw kc zdf f}fcz om kzw ~kcjkcn vp# Km ~f
gobphyf zdf iooe }hlvf pfy wdhyf ~kzd zdf bhyefz }hlvf pfy wdhyf ~f wff zdhz
hlzdovnd zdf iooe }hlvf pfy wdhyf kw bvgd lfwwfy zdhc zdf bhyefz }hlvf f}fc
zdfc zdf wdhyfdoljfyw hyf ~kllkcn zo ph{ bvgd dkndfy pykgf moy zdf wdhyf om zdf
ihce# Kz wdo~w zdhz zdf wdhyfdoljfyw dh}f gocmkjfcgf kc zdf gobphc{ zdhz zdf
gobphc{ ~kll zdf pyowpfyovw kc zdf mvzvyf# Do~f}fy wkcgf zdf bhyefz pykgf dhw
jfglkcfj yfgfczl{, zdfyfmoyf zdf gobphc{ wdovlj zhef goyyfgzk}f hgzkocw wo
zdhz zdf gocmkjfcgf om zdf wdhyfdoljfyw wdovlj if bhkczhkcfj#
7#: Dvbhc Yfwovygf Hwwfwwbfcz
7#:#8 Iohyj om Jkyfgzoyw
Zdf Iohyj om Jkyfgzoyw om Bffqhc Ihce hyf1
D# F# Wdfked Fiyhdkb Ikc Edhlkmh Hl"Edhlkmh $Gdhkybhc+$Bkckwzfy om Dovwkcn, Bkckwzy{ om Dovwkcn, Ekcnjob om Ihdyhkc+
By# Chwfy Hijvl Bodwfc Hl"Bhyyk $]kgf Gdhkybhc+
Phnf | :8
-
8/8/2019 Internship Report on MBL
42/102
By# Ahwwhy Jhedffl Hl"Ahwwhy
By# Yhch Hdbfj Dvbh{vc
By# Bodhbbfj Hqqhyoon Yhahi
By# Hdbfj Hijvl Yhdkb Bodhbfj
By# Ch~hl Hdbfj
By# Hlhh H# Hl"Whyh~k
By# Bkhc Bvdhbbhj [ovckw
By# Kymhc Wkjjkxvk $Pyfwkjfcz - Gdkfm Ftfgvzk}f Ommkgfy+
By# Hykmvl Kwlhb $Gdkfm Opfyhzkcn Ommkgfy+
7#:#9 Bhchnfbfcz zfhb
Zdf Bffqhc Zfhb
Bffqhc Ihce kw bhchnfj i{ h zfhb om pyomfwwkochl ihcefyw gobbkzzfj zo zdf
ghvwf om Kwlhbkg Ihcekcn# Zdkw wkcnlf vckm{kcn mhgzoy vclfhwdfw zdf zyfbfcjovw
po~fy om h jfjkghzfj hcj bozk}hzfj zfhb gobbkzzfj zo mvlmkllkcn zdf ]kwkoc
hcj Bkwwkoc om zdkw Ihce#
Zdf ivwkcfww wfnbfczw om zdf Ihce hyf1
Goypoyhzf Ihcekcn
Kc}fwzbfcz Ihcekcn
Gobbfygkhl Ihcekcn hcj WBF
Gocwvbfy Ihcekcn
Zyfhwvy{ - Mkchcgkhl Kcwzkzvzkocw Hwwfz Bhchnfbfcz $bhchnfj zdyovnd h wviwkjkhy{ Hl Bffqhc
Kc}fwzbfcz Bhchnfbfcz Lkbkzfj#+
Phnf | :9
http://meezanbank.com/mt_irfan.aspxhttp://meezanbank.com/mt_irfan.aspxhttp://meezanbank.com/mt_arif.aspxhttp://www.almeezangroup.com/http://www.almeezangroup.com/http://meezanbank.com/mt_irfan.aspxhttp://meezanbank.com/mt_arif.aspxhttp://www.almeezangroup.com/http://www.almeezangroup.com/ -
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7#:#: Wdhykhd Iohyj
Avwzkgf $Yfzj#+ Bvdhbbhj Zhxk Vwbhck Gdhkybhc
Jy# Hijvl Whzzhy Hiv Ndvjjhd
Wdfked Fwwhb B" Kwdhx
Jy#Bvdhbbhj Kbyhc Vwbhck
7#:#6 Ftfgvzk}f Gobbkzzff
Chwfy Hijvl Bodwfc Hl Bhyyk
Phnf | ::
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Qhkndhb Bhdbooj Ykq}k
Bodhbbhj Hijvl Yfdbhc Dvwwhkc
7#:#= Hvjkz Gobbkzzff
Qhkndhb Bhdbooj Ykq}k
Bodhbbhj Hijvl Yfdbhc Dvwwhkc
Kymhc Wkjjkxvk
7#:#> Gobphc{ Wfgyfzhy{
Nodhy Kxihl Wdhked
7#:#4 Hj}kwoy{ Jy# Bvdhbbhj Kbyhc Vwbhck
Wdhykhd Hj}kwoy
Qhmhy Hqkq Owbhck
Dvbhc Yfwovygf Hj}kwoy
7#:#; Lfnhl Hj}kwoy
Ykq}k, Kwh, Hmykjk - Hcnfll
7#:#80 Hvjkzoyw
H#M# Mfynvwoc - Go
F}fy{ioj{.w whzvyhzfj ~kzd zdf bhyefzkcn d{pf om cftz"nfcfyhzkoc gocwolfw# Zdf{hyf ~ocjfymvl, ivz zdf zyvzd kw zdhz zdf{ hyf hw po~fymvl hw h dknd fcj PG kw ykndz co~#
Phnf | :6
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Aodc Ghybhge
Bhyefzkcn kw coz zdf hyz om mkcjkcn glf}fy ~h{w zo jkwpowf om ~dhz {ov bhef#Kz kw zdf hyz om gyfhzkcn nfcvkcf gvwzobfy }hlvf#)
"Pdklkp Eozlfy
Bhyefzkcn kw zdf wgkfcgf hcj hyz om ftploykcn, gyfhzkcn,hcj jflk}fykcn }hlvf zo whzkwm{ zdf cffjw om h zhynfz
bhyefz hz h pyomkz# Bhyefzkcn kjfczkmkfw vcmvlmkllfj cffjw
hcj jfwkyfw# Kz jfmkcfw, bfhwvyfw hcj xvhczkmkfw zdf wkqf
om zdf kjfczkmkfj bhyefz hcj zdf pyomkz pozfczkhl# Kz
pkcpokczw ~dkgd wfnbfczw zdf gobphc{ kw ghphilf om
wfy}kcn ifwz hcj kz jfwkncw hcj pyobozfw zdf hppyopykhzf
pyojvgzw hcj wfy}kgfw#
Pdklkp Eozlfy
7#6 Bhyefzkcn Hchl{wkw
Kc zojh{w dkndl{ gobpfzkzk}f fc}kyocbfcz, bhyefzkcn plh{w }fy{ kbpoyzhcz
yolf hcj ihcew, lkef Bffqhc Ihce Lzj, zdhz dhw yfbhyehilf pfcfzyhzkoc kc zdfbhyefz, cffj zo vwf zdfky bhyefz plhc hcj wzyhzfnkfw fmmfgzk}fl{ zo hzzyhgz
boyf gvwzobfyw#
Phnf | :=
http://www.brainyquote.com/quotes/quotes/j/johncarmac406194.htmlhttp://www.brainyquote.com/quotes/quotes/j/johncarmac406194.html -
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Hw ~f hll eco~ ihcekcn wfgzoy mhllw kc zdf ghzfnoy{ om wfy}kgfw# Pyogfww om
Bhyefzkcn kw coz gocmkcfj zo zdf bhyefzkcn om pyojvgzw ocl{# Hw om 9007, zdfyf
kw h bhaoy wdkmz om hzzfczkoc cozkgfj hbocn zdf jf}flopfj govczykfw zo~hyjw
wfy}kgfw wfgzoy# Vclkef zyhjkzkochl : Pw om bhyefzkcn, wfy}kgfw bhyefzkcn
kcglvjfw 7 hjjkzkochl Pw5 Pyogfww, Pfoplf, Pd{wkghl f}kjfcgf zo zhef kczo
hggovcz zdf wpfgkhl chzvyf om wfy}kgfw bhyefzkcn#
Zdfyfmoyf, K hb nokcn zo hppl{ zdf > Pw om Wfy}kgfw kc oyjfy zo hchl{qf zdf
bhyefzkcn wzyhzfnkfw hjopzfj i{ Bffqhc Ihce#
7#6#8 Mkywz P" Wfy}kgf Pyojvgz
Bhaoy Pyojvgz Lkcf1
Co~ ihcekcn pyojvgzw dhw wo bvgd jffpfcfj zdhz zdf gvwzobfyw dh}f zo jo
wobf ihwkg hchl{wkw ifmoyf pvywvkcn hc{ pyojvgz# Effpkcn kc }kf~ zdf kczfcwf
gobpfzkzkoc hcj zdf jk}fywf yhcnf om ihcekcn pyojvgzw h}hklhilf kc zdf bhyefz,
zdf pyojvgz lkcf ommfyfj hz BIL kw pyfwfczfj hw vcjfy1
Ykih Myff Bffqhc Pyo}kjfcgf
Ykih Myff " Gfyzkmkghzfw om Kwlhbkg Kc}fwzbfcz
Ykih Myff " Boczdl{ Bvwdhyhed Gfyzkmkghzf
Ykih Myff " Jollhy Wh}kcn Hggovcz
Ykih Myff " Yvpff Wh}kcn Hggovcz
Ykih Myff " Gvyyfcz Hggovcz
Ghy Kahyhd " Kwlhbkg Ghy Mkchcgkcn
Bffqhc ihce ~hw fwzhilkwdfj vcjfy zdf Kwlhbkg pykcgkplfw zdfyfmoyf zdf fczkyf
pyojvgz poyzmolko kw Wdhykhd ihwfj# Mkchcgkcn kw ihwfj oc zdf mollo~kcn bojfw
lhkj ovz i{ zdf Wdhykhd
Phnf | :>
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Kwlhbkg Bojf om Mkchcgkcn
Bvwdhyhed
Bvjhyihd
Bvyhihd
Whlhb
Kwzkwch
Kahyhd
Bhyefz Wfnbfczw
Zdfyf hyf jkmmfyfcz bhyefz wfnbfcz hcj wzyhzfnkfw moy jkmmfyfcz ihcew hw pfy
zdfky zop bhchnfbfcz zo zhynfz ivz km ~f dh}f zo jyh~ h nfcfyhlkqfj wfnbfcz
moybhz moy ihcefyw, zdf wfnbfczw ~ovlj if1
Kcjk}kjvhlw
Whlhykfj pfywocw
Wolf pyopykfzoy
Yfzhklfyw
"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
Jfzhklfj o}fy}kf~ om zdf pyojvgzw ommfyfj kw nk}fc kc zdf Hppfcjkt H
Ftplhchzkoc om zdf Kwlhbkg Bojfw om mkchcgkcn kw nk}fc kc zdf Hppfcjkt N
WBFw
Goypoyhzf Iojkfw
Zyvwzw
CNOw
Phnf | :4
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Hvzocobovw hcj wfbk"hvzocobovw iojkfw
Phyzcfywdkpw
Glviw
Wogkfzkfw
BCGw
Zhynfz Bhyefz1
Hll zdf yflknkovw wfgzw#
Mollo~fyw om Bhvlhch Zhxk Vwbhck
Hnf lkbkz1 84" oc~hyjw
Bkjjlf glhww
7#6#9 Wfgocj P1 Wfy}kgf Pykgf
Pykgkcn kw zdf gyvgkhl P om wfy}kgfw bhyefzkcn ifghvwf kz jfzfybkcfw zdf
yf}fcvf zdhz h gobphc{w wfy}kgfw ~kll fhyc# Pykgkcn dhw wf}fyhl gobpocfczw
hcj zdfyf hyf zdyff ihwkg gykzfykoc kc}ol}fj kc pykgkcn h wfy}kgf71
"""""""""""""""""""""
7# Chynvcjehy, Yhafcjyh# $900>+# Wfy}kgfw Bhyefzkcn, Zhzh BgNyh~ Dkll
Pvilkwdkcn Gobphc{ Lkbkzfj
Gowz" wvb om hll zdf gowzw Gobpfzkzkoc" gobpfzkzk}f pykgkcn
Oiafgzk}fw" wzyhzfnkg gocwkjfyhzkocw
Phnf | :;
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Pykgkcn wzyhzfn{ jf}kwfj hz BIL kw oiafgzk}fw ihwfj# Zdf Bffqhc ihcew
oiafgzk}fw hyf zo kcgyfhwf kzw bhyefz wdhyf kc zdf bhyefz# Zdf pykgfw wfz moy kzw
pyojvgzw hcj/oy wfy}kgfw hyf }fy{ fgocobkg hcj bkckbhl kc chzvyf hw
gobphyfj zo zdf ozdfy bhyefz plh{fyw om Kwlhbkg ihcekcn ghzfnoy{#
7#6#7 Zdkyj P1 Plhgf
Bhc{ ftpfyzw wh{ zdhz loghzkoc kw zdf ef{ zo wvggfwwmvl bhyefzkcn om wfy}kgfw#
Zdkw kw ifghvwf zdf gvwzobfy kw omzfc pyfwfcz hz zdf whbf plhgf ~dfyf zdf
wfy}kgf bhcvmhgzvyfj hcj jflk}fyfj#
Gvwzobfy yfwfhygd dhw wdo~c zdhz kc bhc{ ghwfw gvwzobfyw ~kll gdoowf h
goc}fckfczl{ loghzfj wvpplkfy om wfy}kgfw o}fy zdf ifwz wfy}kgf pyo}kjfy loghzfj
mhy h~h{# Zdfyfmoyf h ghpzk}f hvjkfcgf om gvwzobfyw govlj if ivklz vp i{ h
~fll loghzfj yfzhklfy om gocwvbfy noojw, oy h wfy}kgf:" ihce#
Zdf plhgfbfcz kc ihcekcn wfgzoy plh{w h }kzhl yolf# Zdf h}hklhiklkz{ om iyhcgdfw
kc zdf ivwkcfww hyfhw hcj kc zdf hyfhw ~dfyf kz kw goc}fckfcz moy zdf gvwzobfyw
zo yfhgd hcj nfz zdfky jfwkyfj ihcekcn wfy}kgfw kw }fy{ gyvgkhl# BIL dhw
wzyhzfnkghll{ jfwkncfj zdf plhgfbfcz wzyhzfnkfw kc oyjfy zo yfhgd bhtkbvbcvbify om gvwzobfyw# Ivz zdf wzyhzfn{ kw lkzzlf mlh~fj#
""""""""""""
:# Chynvcjehy, Yhafcjyh# $900>+# Wfy}kgfw Bhyefzkcn, Zhzh BgNyh~ Dkll
Pvilkwdkcn Gobphc{ Lkbkzfj
Zdfyf kw h wvb zozhl om 7> iyhcgdfw6 yvcckcn gvyyfczl{ kc Lhdoyf gkz{# Kc wpkzf om
zdkw iyhcgd cvbify, zdf iyhcgd cfz~oye kw ~fhefy# Zdf gvwzobfy dhw zo ~hkz
zoo locn kc oyjfy zo nfz kzw jfwkyfj wfy}kgf km dkw/dfy hggovcz kw kc wobf, lfzw
wh{, BIL $T[Q+ iyhcgd hcj df dhw zykfj zo nfz wfy}kgfw myob, moy kcwzhcgf, BIL
$PXY+iyhcgd#
Phnf | 60
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Hphyz myob zdkw zdf loghzkoc om iyhcgdfw kw xvfwzkochilf# Kc wobf hyfhw zdf
iyhcgdfw hyf loghzfj glowfl{ f#n# CNZ iyhcgd hcj Bojfl zo~c iyhcgd# ^dfyfhw
kc wobf loghzkocw zdf iyhcgdfw hyf loghzfj mhy h~h{ zdkw bh{ if h cfnhzk}f
bhye oc zdf plhgfbfcz wzyhzfn{ om BIL#
Zdfyf hyf zozhl om 90; iyhcgdfw opfyhzkcn ~kzdkc zdf 6: gkzkfw zdyovndovz zdf
govczy{# Zdkw kw co joviz h nooj wknc hw gobphyfj zo zdf iyhcgd cfz~oye om
Bffqhc Ihcew gobpfzkzoyw#
7#6#: Movyzd P1 Pyobozkoc
Pyobozkoc kw }kzhl moy hc{ ivwkcfww# Ivz bhc{ wfy}kgf ivwkcfwwfw jo coz wpfcj
hjfxvhzfl{ oc pyobozkochl hgzk}kzkfw# Zdf ~h{w zdyovnd ~dkgd Bffqhc Ihce
Pyobozfw kzwflm kcglvjfw1
Flfgzyockg bfjkh
Pykcz bfjkh
Flfgzyockg Bfjkh
Zflf}kwkoc kw zdf ifwz opzkoc zo yfhgd h ~kjf hvjkfcgf kc hc kcwzhczhcfovwbhccfy, coz ocl{ ifghvwf kz kw gowz fmmfgzk}f ivz hlwo kc zfybw om kbphgz hcj
}kwvhl hppfhl, zflf}kwkoc kw zdf bfjkvb zdhz dhw zdf ifwz gdhyhgzfykwzkgw#
""""""""""""""""""""""""""""""
61 Iyhcgd Cfz~oye" Mkchcgkhl Yfpoyz
Zflf}kwkoc hjw moy BIL bhkcl{ zy{ zo fbpdhwkqf zdf kbpoyzhcgf om KwlhbkgIhcekcn hcj zdf wfy}kgfw kz ommfyw ghc dflp {ov kc zdf zkbf om cffj ~dkgd kw
zozhll{ ykih myff# ]hykovw ivwkcfww gdhccflw, lkef ivwkcfww plvw, hcj gobbfygkhl
gdhccflw, lkef Kcjvw }kwkoc, jkwplh{w zdf Z] hjw yfwpfgzk}fl{#
Phnf | 68
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Hcozdfy ~h{ zdyovnd ~dkgd Bffqhc Ihce pyobozfw kzwflm flfgzyockghll{ kw
zdyovnd kzw ~fiwkzf, ~dkgd kw jfwkncfj kc hc fmmfgzk}f bhccfy ~kzd jfzhklfj
kcmoybhzkoc, wo zdhz }kwkzoyw hcj zdf pyowpfgzk}f gvwzobfyw ghc fhwkl{ nfz
eco~ do~ hiovz kzw h}hklhilf pyojvgzw hcj/oy wfy}kgfw#
Pykcz Bfjkh
Hmzfy zdf wflfgzk}f hj}fyzkwkcn kc zdf zflf}kwkoc hcozdfy bfjkvb vwfj i{
Bffqhc ihce zo pyobozf kzw pyojvgzw hcj wfy}kgfw kw Pykcz bfjkh yfwpfgzk}fl{#
Pykcz bfjkh loowfl{ gocwkwzw om bhaoy cf~wphpfyw kc zdf govczy{ hcj mf~
ivwkcfww bhnhqkcfw#
Boyfo}fy, Phbpdlfzw hyf jkwplh{fj hz zdf iyhcgd lf}fl zo pyobozf moyzdgobkcn
pyojvgzw zo zdf pozfczkhl gvwzobfyw yfwpfgzk}fl{ hcj wobfzkbfw iklliohyjw hyf
vwfj kc zdf gobbfygkhl hyfhw#
7#6#6 Mkmzd P1 Pfoplf" Lo}f Loge
Hw bowz wfy}kgfw hyf jfpfcjfcz oc pfoplf zo jflk}fy zdfb wvggfwwmvll{, zdkw
flfbfcz om pfoplf kw gocwkjfyfj zo if h ef{ zo h wfy}kgf ivwkcfww# Lkef ozdfy
wfy}kgfw, ivwkcfwwfw pfoplf plh{w }fy{ kbpoyzhcz yolf kc zdf wvggfww om zdf
ihcekcn kcjvwzy{#
Zdf fbplo{ffw hz BIL hyf mvll{ zyhkcfj pyomfwwkochlw ~do eco~ do~ zo jfhl
~kzd zdf bfww{ gvwzobfy# Zdf{ hyf ghphilf om dhcjlkcn wzyfww kc}ol}fj kc
effpkcn lhynf cvbify om pfoplf $gvwzobfyw+ dhpp{ ~dklf coz lowkcn zdfky o~c
zfbpfy# Zdf{ hyf nk}fc wvkzhilf lf}fl omfbpo~fybfcz yfxvkyfj zo pfymoyb
zdfky }hykovw aoi yflhzfj zhwew# Hphyz myob zdhz zdf{ hyf goczkcvovwl{ hz oc aoizyhkckcn kc zdf moyb om aoi yozhzkoc hcj aoi fcykgdbfcz# Hphyz myob zdkw zdf
fbplo{ff zvyco}fy yhzf kw }fy{ dknd ifghvwf om zdf aoi jkwwhzkwmhgzkoc hcj zdf
Phnf | 69
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o}fy ivyjfc om ~oye# Zdf whlhykfw ommfyfj hz BIL hyf hcozdfy aoi jkwwhzkwmkfy
zdhz kw lfhjkcn zo zdf dknd yhzf om fbplo{ff zvyc o}fy#
7#6#= Wktzd P1 Wfy}kgf Pyogfww
Zdkw P kc}ol}fw zdf cvbify om ihgefcj oy myoczfcj pyogfwwfw kc}ol}fj kc
jflk}fykcn zdf mkchl Wfy}kgf zo zdf fcj gvwzobfyw# Kc zdf ihcekcn kcjvwzy{, zdkw
P kw om dvnf kbpoyzhcgf# Zdf }fy{ wvggfwwmvl fthbplf kc ihcekcn kcjvwzy{ kw
zdf WKCNLF ^KCJO^ GOCGFPZ#
Hz BIL, zdf pyogfwwfw kc}ol}fj kc zdf jflk}fy{ om zdf wfy}kgf hyf lkzzlf gobplft#
Kc oyjfy zo nfz zdf jfwkyfj wfy}kgfw, zdf gvwzobfyw dh}f zo ~hkz zoo locn# Moy
kcwzhcgf, km wobfocf ~hczw zo nfz zdf kcmoybhzkoc hiovz zdf ZJw zdf myocz
jfwe pfoplf lfz dkb oy dfy ~hkz zoo locn kcwzfhj om nvkjkcn zdfb zo zdf ommkgfy
gocgfycfj# Zdkw ~fhe pokcz wdovlj if o}fygobf ifghvwf kz bh{ ifgobf zdf
yfhwoc om gvwzobfy$w+ zo w~kzgd zdfky ihce#
7#6#> Wf}fczd P1 Pd{wkghl F}kjfcgf"Wfy}kgfwghpf
Wfy}kgfwghpfw kw h zfyb vwfj i{ z~o Hbfykghc yfwfhygdfyw kc zdf mkflj om
wfy}kgf bhyefzkcn# Pdklkp Eozlfy dhw vwfj zdf zfyb Hzbowpdfykgw zo jfwgykif
zdf fmmfgz om wfy}kgfwghpf# Zdf wfy}kgf wfy}kgfwghpf gyfhzfw h booj, h locnkcn,
hc hzzyhgzkoc oy h jfwkyf zo }kwkz zdf wfy}kgf pyo}kjfy, kc zdf goczftz om h wfy}kgf
pvygdhwf#
Zdf mfflkcnw f}oefj kc h gvwzobfy ghc if hmmfgzfj i{ zdf pd{wkghl hwpfgzw om
zdf ivkljkcn dovwkcn zdf wfy}kgf pyo}kjfy, kzw hbikhcgf, kzw lf}fl om glfhclkcfww,
zdf jyfww ~oyc i{ zdf wfy}kgf pyo}kjfyw fbplo{ffw, hcj f}fc zdf cvbify hcjz{pf om gvwzobfyw pyfwfcz ~dfc df fczfyw oy h}hklw om zdf wfy}kgf ifkcn
pyo}kjfj#
Phnf | 67
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Wfy}kgfwghpf oy zdf jfwknc om zdf BIL iyhcgd $fw+ kw ghyfmvll{ hcj wzyhzfnkghll{
jfwkncfj zo hzzyhgz zdf pozfczkhl hcj hgzvhl gvwzobfyw# Zdf hzbowpdfykgw K
dh}f movcj hz BIL, Cf~ Nhyjfc Zo~c Iyhcgd, ~fyf lkzzlf glvbw{# Zdf iyhcgd
wkqf ~hw wbhll hcj zdf zyhmmkg ~hw dfh}{# Zdkw ~hw ocf om zdf yfhwocw om
bhekcn zdf PYOGFWWFW wlo~ hcj effpkcn zdf gvwzobfy$w+ hz ^HKZ# Hphyz myob
zdhz zdf iyhcgd dhj bhc{ kcjooy plhczw, zdf ~fll jyfwwfj wzhmm, glfhclkcfww hcj
hih{h ~oyc i{ mfbhlf wzhmm gyfhzfw Kwlhbkg kbphgz hcj gdhykwbh moy zdf cf~
gobfyw#
Phnf | 6:
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Gdhpzfy :
:#8 Fc}kyocbfczhl Hchl{wkw
:#8#8 Nyo~zd yhzf moy zdf fczkyf kcjvwzy{
O}fy}kf~
Zdf ihcekcn w{wzfb fmmfgzk}fl{ gopfj ~kzd wf}fyhl gdhllfcnfw fbhchzfj myob
zdf fgocobkg wlo~jo~c iozd hz dobf hcj hiyohj jvf zo wzyocn yfwklkfcgf ivklz
o}fy zdf {fhyw hcj fmmfgzk}f yfnvlhzoy{ hcj wvpfy}kwoy{ yfnkbf# Hggoyjkcn zo
zdf WIPw xvhyzfyl{ pfymoybhcgf yf}kf~
=
om zdf ihcekcn w{wzfb moy zdf xvhyzfyfcjfj Jfgfbify 78, 9004 hwwfz ihwf om zdf ihcekcn w{wzfb nyf~ 9#=& o}fy
zdf xvhyzfy zo yfhgd Yw 6,=67 Ikllkoc, ~fll"wvpplfbfczfj i{ 7#=& hcj >&
nyo~zd kc jfpowkz hcj wdhyfdoljfyw fxvkz{, yfwpfgzk}fl{#
Zdf lkxvkjkz{ pyomklf om zdf ihcekcn w{wzfb yfbhkcfj gocwzyhkcfj moy bowz phyz
om zdf xvhyzfy# Do~f}fy, powz xvhyzfy wzhzkwzkgw kcjkghzf h wknckmkghcz fhwkcn om
zdf lkxvkjkz{ pyomklf ifghvwf om nyhjvhl kcgyfhwf kc jfpowkzw hcj yfjvgzkoc kc
ihcew hj}hcgfw#
Zdf kclkcf ~kzd zdf jfzfykoyhzkoc kc bhgyofgocobkg kcjkghzoyw, zdf gyfjkz ykwe
yfbhkcfj dknd jvykcn zdf xvhyzfy# Do~f}fy, whzkwmhgzoy{ fhyckcnw fchilfj zdf
w{wzfb zo go}fy zdfwf lohc lowwfw# Zdf CPLw hyf go}fyfj i{ lohc loww
pyo}kwkocw zo zdf ftzfcz om >6&, ivz oc hggovcz om zdfwf kcgyfhwfj lohc
pyo}kwkocw kc hiwolvzf hbovczw, fhyckcnw om zdf ihcekcn w{wzfb ghbf vcjfy
pyfwwvyf hcj yfbhkcfj lo~fy zdhc zdf lhwz govplf om {fhyw# Yfzvyc oc hwwfzw
$YOH+ ~hw 8#9& moy zdf {fhy 9004 }w 8#6& moy 900> hcj 9& moy 900=# O}fyhll
wol}fcg{ powkzkoc om zdf ihcekcn w{wzfb wdo~fj hc kbpyo}fbfcz#
"""""""""""""""""
Phnf | 66
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=# Zdf nyo~zd yhzf om fczkyf ihcekcn kcjvwzy{ kw gobpowkzfl{ nhkcfj myob
WIPw xvhyzfyl{ pfymoybhcgf yf}kf~ om zdf ihcekcn w{wzfb moy zdf xvhyzfy
fcjfj Jfgfbify 789004 hcj zdf 8wz xvhyzfy fcjfj Bhygd 78 900;
Zdf Ghpkzhl Hjfxvhg{ Yhzko $GHY+ vcjfy Ihwfl"KK myhbf~oye, ~dkgd hlwo
hggovczw moy zdf opfyhzkochl ykwe gdhynf, kbpyo}fj zo 89#9& $89#=& moy
gobbfygkhl ihcew+ jvf zo myfwd kcafgzkoc om fxvkz{ hcj whzkwmhgzoy{ fhyckcnw#
Zdf GHY kbpyo}fj zo 87& aokczl{ moy ihcew hcj jf}flopbfcz mkchcgf
kcwzkzvzkocw $JMKw+# Ihcekcn w{wzfb wdo~w wzyocn yfwklkfcgf zo vcvwvhl wdoge
kc bhaoy ykwe mhgzoyw# Zdkw wzyfcnzd om zdf ihcekcn w{wzfb lhynfl{ ghbf myob
zdf pyvjfcz yfnvlhzoy{ hcj wvpfy}kwoy{ yfnkbf wzyfcnzdfckcn zdf ykwe
bhchnfbfcz hcj no}fychcgf wzhcjhyjw kc ihcew hw ~fll hw zdf kbpyo}fj
wol}fcg{ powkzkocw>#
Nokcn moy~hyj, jvf zo gocwzyhkcfj fgocobkg fc}kyocbfcz iozd hz dobf hcj
nloihll{, zdf gyfjkz ykwe, fhyckcnw hcj nyo~zd yhzfw om zdf ihcekcn w{wzfb hyf
lkefl{ zo yfbhkc vcjfy wobf wzyhkc kc gobkcn xvhyzfyw, zdf yfpoyz hczkgkphzfj#
Zdf ihcekcn w{wzfb dhw nhkcfj wzhiklkz{ o}fy zdf lhwz govplf om {fhyw zdyovnd
wvwzhkcfj nyo~zd kc hwwfz hcj gvwzobfy"ihwf# Gvyyfczl{, h jfglkcf kc zdf
jfbhcj moy gyfjkz myob jkmmfyfcz wfgzoyw ~hw ~kzcfwwfj# Ihcew, hw h yfwvlz, dhj
zo jk}fwz zdfky hwwfz bkt myob lohcw zo~hyjw kc}fwzbfczw# Wkbklhyl{, mvyzdfy
zkndzfckcn om bocfzhy{ polkg{ wxvffqfj zdf wvyplvw lkxvkjkz{ myob zdf bhyefz#
$WIP 8DM[04+
:#8#9 Pfymoybhcgf om Kwlhbkg Kcjvwzy{4
Zdf Kwlhbkg Ihcekcn Kcwzkzvzkocw $KIKw+ bhkczhkcfj zdfky pyomkzhiklkz{, zdovnd
~kzd wlkndz jfgflfyhzkoc jvykcn zdf xvhyzfy vcjfy yf}kf~# Do~f}fy, nyo~zd kc
hwwfzw yfbhkcfj dkndfy zdhc zdhz om zdf goc}fczkochl ihcew, zdvw kcgyfhwkcn
wdhyf om KIKw kc zdf w{wzfb#
Phnf | 6=
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"""""""""""""""
># Ivwkcfww Yfgoyjfy, Bhygd 9:, 900;
4# WIP, Xvhyzfyl{ pfymoybhcgf Yf}kf~ Wfpzfbify 900;
Zdf ihlhcgf wdffz gobpowkzkoc ~kzd wlkndz gdhcnfw yfbhkcfj boyf oy lfww
wzhilf jvykcn zdf xvhyzfy# Oc zdf hwwfz wkjf, wknckmkghcz kcgyfhwf ~hw oiwfy}fj
kc kc}fwzbfczw hcj kczfyihce lfcjkcn, ~dklf mkchcgkcn poyzmolko goczyhgzfj#
Jfpowkzw om zdf Kwlhbkg Ihcekcn kcgyfhwfj, jfwpkzf h jfglkcf kc jfpowkz ihwf om
zdf ihcekcn w{wzfb# Jvf zo mkchcgkhl kcwzkzvzkocw hlwo kcgyfhwfj bhynkchll{
hmzfy jfglkckcn o}fy h govplf om xvhyzfyw# Jfpowkz bkt om Kwlhbkg ihcew, jvf zo
jfglkcf kc jfpowkzw myob mkchcgkhl kcwzkzvzkocw zklzfj zo~hyj zdf gvwzobfyjfpowkzw#
Hchl{wkw om vwfw om mvcjw wdo~w h gocwkwzfcz kcgyfhwf kc kc}fwzbfczw om KIKw#
Jvykcn zdf xvhyzfy vcjfy yf}kf~, kc}fwzbfczw yfnkwzfyfj h dfhlzd{ nyo~zd om
98 pfygfcz# Bowz om zdf kcgyfhwf kc kc}fwzbfczw yfwvlzfj myob :zd hvgzkoc om
NoP Kahyh Wveve om Yw 8:#: ikllkoc kc Wfpzfbify, 900;# Pfykojkg kwwvfw om Kahyhd
Wveve dh}f goczykivzfj zo~hyjw zdf yfwolvzkoc om ef{ kwwvf k#f# lhge om
hlzfychzk}f h}fcvfw moy Kwlhbkg ihcew# Wo mhy NoP Kahyh Wveve om Yw :9#9 ikllkoc
dh}f iffc kwwvfj, ~dkgd co~ yfpyfwfcz =6 pfygfcz wdhyf kc kc}fwzbfczw om zdf
Kwlhbkg Ihcew# Kc lkcf ~kzd nfcfyhl zyfcj, Mkchcgkcn om Kwlhbkg ihcew jfglkcf i{
:#> pfygfcz kc Wfp"0; hcj kzw wdhyf kc o}fyhll hwwfzw jfgyfhwfj zo :8 pfygfcz#
Zdf gobpowkzkoc om mkchcgkcn wdo~w h wviwzhczkhl kcgyfhwf kc wdhyf om Kahyhd
hcj h bojfyhzf kcgyfhwf kc Kwzkwch# Ozdfy bojfw om mkchcgkcn jfglkcfj o}fy zdf
xvhyzfy, ~kzd gocwkjfyhilf jfglkcf kc Bvjhyihd hcj Whlhb# Nyovp"~kwf
hchl{wkw wdo~w zdhz jfglkcf kc mkchcgkcn ~hw boyf pyocovcgfj kc KIKw#
Phnf | 6>
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Zdf mkchcgkcn poyzmolko om KIKw kw gocgfczyhzfj kc goypoyhzf hcj gocwvbfy ~kzd
wbhllfy wdhyfw om WBFw hcj gobbojkz{ mkchcgf, ~dklf mkchcgkcn zo hnykgvlzvyf
kw hlbowz cfnlknkilf# Zdfyf kw h wzyocn pozfczkhl moy zdf KIKw zo ftphcj kczo WBF
hcj Hnykgvlzvyf wfgzoy# Effpkcn kc }kf~ zdf pozfczkhl hcj jfbhcj moy Hnyk"
mkchcgf hcj zo pyobozf Kwlhbkg Mkchcgkcn kc zdkw hyfh, WIP dhw kwwvfj
Nvkjflkcfw oc Kwlhbkg Mkchcgf moy Hnykgvlzvyf#
Zdf lkxvkjkz{ powkzkoc om KIKw kbpyo}fj o}fy zdf xvhyzfy vcjfy yf}kf~, hw zdf
jfglkcf kc Mkchcgkcn hcj kcgyfhwf kc jfpowkz ihwf lfj zo mvyzdfy lo~fykcn kc
Mkchcgkcn zo Jfpowkzw yhzko $MJY+#
Kcgyfhwkcn mkchcgkcn ykwe goczkcvfw zo powf gdhllfcnf zo KIKw# Kcgyfhwf kc CPMw
govplfj ~kzd jyop kc mkchcgkcn lfj zo jfzfykoyhzkoc kc hwwfz xvhlkz{ kcjkghzoyw#
Wkcgf CPLw kcgyfhwfj bhkcl{ kc Loww ghzfnoy{, ~dkgd hzzyhgz dkndfy
pyo}kwkockcn, pyo}kwkoc go}fyhnf yhzko kbpyo}fj o}fy zdf xvhyzfy#
Wfgzoy ~kwf hchl{wkw wdo~w zdhz zftzklf, gdfbkghl hcj kcjk}kjvhlw dh}f zdf
bhaoy wdhyf kc mkchcgkcn# Do~f}fy, kcmfgzkoc yhzko kw xvkzf dknd moy gfbfcz,
flfgzyockgw hcj kcjk}kjvhlw# ^dklf CPMw om kcjk}kjvhlw hyf nfcfyhll{ hjfxvhzfl{wfgvyfj zdyovnd gollhzfyhlw, lo~ kcmfgzkoc yhzko moy zftzklf wfgzoy }kw""}kw
goc}fczkochl ihcew yfmlfgzw vpoc zdf ifzzfy ykwe bhchnfbfcz om KIKw#
Zdf {fhy zo jhzf pyomkzw om KIKw yfbhkcfj dkndfy zdhc zdf yfwvlzw om
goyyfwpocjkcn pfykoj om lhwz {fhy, zdovnd zdfyf ~hw wknckmkghcz kcgyfhwf kc
pyo}kwkockcn moy CPMw# Do~f}fy, Kwlhbkg ihcew wh~ h bhynkchl jfglkcf kc YOH
jvf zo wdkmz kc zdf bkt om fhyckcn hwwfz zo~hyjw lo~"yfzvyc hwwfzw# Kcgkjfczhll{,
bhaoy phyz om KIKw pyomkzhiklkz{ kw gobkcn myob KIKw om goc}fczkochl ihcew hcj h
govplf om Kwlhbkg ihcew# Kwlhbkg ihcew, zdfyfmoyf, cffj zo kbpyo}f oc zdfky
opfyhzkochl fmmkgkfcg{ moy effpkcn zdfky gobpfzkzk}fcfww kc zdf kcjvwzy{ kc
zfybw om iozd bhyefz wdhyf hcj pyomkzhiklkz{#
Phnf | 64
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8/8/2019 Internship Report on MBL
59/102
:#9 Gobpfzkzkoc Hchl{wkw
:#9#8 Bhaoy Gobpfzkzoyw
Zdf hvnbfczhzkoc kc zdf ihcekcn kcjvwzy{, wpfgkmkghll{ Kwlhbkg ihcekcn
wfnbfczw, om Phekwzhc dhw jkyfgzfj zo hc kcgyfhwf kc zdf cvbify om ihcew iozd
jobfwzkghll{ hcj kczfychzkochll{ zo if fwzhilkwdfj hcj gyfhzf h gobpfzkzk}f
kcjvwzy{# Moy BIL kzw gobpfzkzoyw gobf kc zdf moyb om h bktzvyf om jobfwzkg
hcj kczfychzkochl ihcew fwzhilkwdfj kc Phekwzhc#
Bffqhc Ihce lkbkzfj mfflw zdhz kzw bhaoy gobpfzkzoyw hyf hw mollo~w1
Ihce Kwlhbk Phekwzhc Lkbkzfj
Hlihyheh Kwlhbkg Ihce I#W#G# $F#G#+, Phekwzhc Opfyhzkocw
Jvihk Kwlhbkg Ihce Phekwzhc Lkbkzfj
Jh~ooj Kwlhbkg Ihce Lkbkzfj
Fbkyhzfw Nloihl Kwlhbkg Ihce
Kz glhkbw zdhz kz dhw h gvz zdyohz gobpfzkzkoc ~kzd1
Ihce Kwlhbk Phekwzhc Lkbkzfj
Hlihyheh Kwlhbkg Ihce I#W#G# $F#G#+, Phekwzhc Opfyhzkocw
:#9#9 Zdfky Kczyojvgzkoc
:#9#9#8 Ihce Kwlhbk Phekwzhc Lkbkzfj;
Ihce Kwlhbk Phekwzhc Lkbkzfj $Ihce Kwlhbk+ kw loghzfj kc Ehyhgdk, Wkcjd,
Phekwzhc# Ihce Kwlhbk Phekwzhc yfgfk}fj hc Kwlhbkg gobbfygkhl ihcekcn lkgfcwf
myob Wzhzf Ihce om Phekwzhc oc Bhygd 78, 9006# Kz kw zdf mkywz mkchcgkhl
kcwzkzvzkoc kc Phekwzhc zdhz kw nokcn zo mogvw oc ^fhlzd Bhchnfbfcz hw zdf goyf
Phnf | 6;
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60/102
hyfh om ivwkcfww# Kz kczfcjw zo ommfy yfzhkl ihcekcn pyojvgzw, pyopykfzhy{ hcj
zdkyj phyz{ pyojvgz,
""""""""""""""""""
;# dzzp1//~~~#ihcekwlhbk#gob#pe/hiovz_vw/
hcj kczfnyhzfj mkchcgkhl plhcckcn wfy}kgfw# Zdf Ihce kw ftpfgzfj zo wzhyz kzw
opfyhzkocw kc zdf lhwz xvhyzfy om {fhy 9006#
Zdf fpogdhl kjfh om Ihce Kwlhbk ~hw gocgfpzvhlkqfj i{ Ahdhcnky Wkjjkxvk -
Gobphc{ Lkbkzfj hcj JGJ Nyovp kc lhzf 9007# By# Dhwhc H# Iklnyhbk ~hw
hppokczfj hw Hj}kwfy zo zdf wpocwoyw oc Bhygd 8=, 900: zo moybhlkqf zdf kjfh#
Df pyfwfczfj zdf gocgfpz phpfy om Ihce Kwlhbk zo wpocwoyw oc Bhygd 9:, 900:#
H jfzhklfj ivwkcfww plhc ~hw zdfc pyfphyfj hcj h moybhl hpplkghzkoc ~hw
wvibkzzfj zo zdf Wzhzf Ihce om Phekwzhc oc Bh{ 9=, 900:# Oc Wfpzfbify 9=,
9006, Jvihk Ihce aokcfj zdf Wpocwoyw hcj ifghbf ocf om zdf movcjkcn
wdhyfdoljfyw om Ihce Kwlhbk i{ kc}fwzkcn 84#>6& kc zdf zozhl Ghpkzhl#
:#9#9#9 Hlihyheh Kwlhbkg Ihce I#W#G# $F#G#+, Phekwzhc Opfyhzkocw80
Hlihyheh Ihcekcn Nyovp kw zdf iknnfwz Kwlhbkg ihcekcn nyovp lkwzfj oc zdf
Ihdyhkc Wzoge Ftgdhcnf kc zfybw om ghpkzhlkqhzkoc# Kz dhw iffc yhzfj i{
Wzhcjhyj - Pooy.w hw III" ~kzd h wdoyz"zfyb yhzkcn om H"7# HIN ommfyw yfzhkl,
goypoyhzf hcj kc}fwzbfcz ihcekcn hcj zyfhwvy{ wfy}kgfw wzykgzl{ kc hggoyjhcgf
~kzd zdf pykcgkplfw om zdf Wdhykhd# Zdf hvzdoykqfj ghpkzhl om HIN kw VW*8#6
ikllkoc, ~dklf zdf zozhl fxvkz{ hbovczw zo hiovz VW* 8#6; ikllkoc#
^kzd hwwfzw om VW*88#9 ikllkoc, zdf Nyovp dhw h ~kjf nfonyhpdkghl pyfwfcgf kc
zdf moyb om wviwkjkhy{ ihcekcn Vckzw kc 89 govczykfw, ~dkgd kc zvyc pyo}kjf zdfky
wfy}kgfw zdyovnd boyf zdhc 960 iyhcgdfw# Zdfwf ihcekcn Vckzw hyf Aoyjhc
Kwlhbkg Ihce/ Aoyjhc, Hl Ihyheh Kwlhbkg Ihce / Ihdyhkc, Hl Ihyheh Kwlhbkg Ihce /
Phnf | =0
http://www.bankislami.com.pk/about_us/http://www.bankislami.com.pk/about_us/ -
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Phekwzhc, Ihcxvf Hl Ihyheh J.Hlnfykf/ Hlnfykh, Hl Ihyheh Ihce Wvjhc/Wvjhc, Hl
Ihyheh Ihce Lzj / Wovzd Hmykgh,
80# dzzp1//~~~#hlihyheh#gob#pe/hiovz/kcjft#pdp
Hl Ihyheh Ihce Lfihcoc/Lfihcoc, Ihce Fz"Zhb~ffl Hl" Zvckwk Hl Whvjk/
Zvckwkh, Zdf Fn{pzkhc Whvjk Mkchcgf Ihce/Fn{pz, Hl Ihyheh Zvye Phyzkgkphzkoc
Ihce/Zvyef{, Hlihyheh Ihce W{ykh $vcjfy fwzhilkwdbfcz+, hcj yfpyfwfczhzk}f
ommkgf, Kcjocfwkh#
Gvyyfczl{ opfyhzkcn ~kzd 9; iyhcgdfw kc 8> bhaoy gkzkfw om zdf govczy{, HKIommfyw h ~kjf hyyh{ om Kwlhbkg mkchcgkcn pyojvgzw wvgd hw Bvyhihdh, Kahyh,
Bvwdhyheh hcj Kwlhbkg Ftpoyz Yfmkchcgf, fzg#, ghzfykcn zo h jk}fywf gyoww"
wfgzkoc om zdf fgocob{, kcglvjkcn zdf Goypoyhzf, WBF hcj Gocwvbfy wfgzoyw#
Boyfo}fy, }hykovw Wdhykhd gobplkhcz jfpowkz wgdfbfw hyf h}hklhilf moy
gvwzobfyw zo kc}fwz zdfky mvcjw kc, hlocn ~kzd h }hykfz{ om ozdfy hcgkllhy{
wfy}kgfw wvgd hw oclkcf ihcekcn, HZB/jfikz ghyj, whmf jfpowkz logefyw hcj
vzklkz{ ikll ph{bfczw fzg#
:#9#7 Zdfky bhyefz wdhyfw
Zdfyf hyf bhc{ gykzfykh oc zdf ihwkw om ~dkgd ~f ghc hwwknc zdf bhyefz wdhyf
om zdf ihcew kc zdf ihcekcn kcjvwzy{# Wobf ghlgvlhzf kz oc zdf ihwkw om kzw
jfpowkzw, ~dklf ozdfyw oc zdf ihwkw om kzw gvwzobfy ihwf# Lkef~kwf wobf
hchl{wzw ghlgvlhzf zdf bhyefz wdhyf oc zdf ihwkw om hwwfzw hcj fxvkz{ ocf bh{
dh}f#
Dfyf K dh}f vwfj zdf jhzh pyo}kjfj i{ zdf gfczyhl ihce k"f Wzhzf Ihce om
Phekwzhc, moy zdf ghlgvlhzkoc om bhyefz wdhyfw om BIL hcj kzw gobpfzkzoyw# Zdf
Phnf | =8
http://www.albaraka.com.pk/about/index.phphttp://www.albaraka.com.pk/about/index.php -
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yfpoyz pvilkwdfj i{ WIP Xvhyzfyl{ pfymoybhcgf Yf}kf~ Wfpzfbify 900; kw
vwfj moy o}fyhll }hlvfw om ihcekcn wfgzoy# Zdfyf ghc if jkmmfyfcz gykzfykh moy zdkw
ghlgvlhzkoc ivz K hb gocwkjfykcn zdf ihcew jfpowkzw hcj hj}hcgfw moy zdkw
pvypowf#
Hggoyjkcn zo zdf lhzfwz ghlgvlhzkocw om WIP, hj}hcgfw om zdf Kwlhbkg ihcekcn
wfgzoy wzooj hz Yw877,>:6 Bkllkoc, zozhl gvwzobfy jfpowkzw om zdf Kwlhbkg
ihcekcn wfgzoy yfhgdfj hz Yw# 9::,>;9 Bkllkoc yfwpfgzk}fl{#
Chbf om zdf Ihcew Hwwfzw Hj}hcgfw Jfpowkzw Fxvkz{ kcbkllkocw
Bffqhc 804,0>; 7>,974 4>,=48 4,4=>
Jki Lkbkzfj 79,=0> 90,08; 96,:68 6,9=9
Jh~ooj kwlhbkgLkbkzfj 87,>>> :,==: >,7>0 6,068Hl Ihyheh 96,=0: 8:,8;9 8;,6>: 9,8;:
Ihce Kwlhbk 9;,0;: >,9:4 99,4=8 :,497
Fbkyhzfw nloihl Kwlhbkg ihce 90,846 ;,>7; 8:,490 7,=6;
Bffqhc Ihce Lkbkzfj kw zdf mkywz hcj lhynfwz Kwlhbkg Ihce om Phekwzhc ~kzd h90:"iyhcgd cfz~oye pyfwfcgf wzyhzfnkghll{ wpyfhj hgyoww 6: bhaoy gkzkfw kc zdf
govczy{# Zdf Ihce dhw h gvbvlhzk}f hccvhl nyo~zd yhzf om =0& o}fy h pfykoj
om 6 {fhyw hcj gvyyfczl{ fcao{w :9& bhyefz wdhyf kc zdf Kwlhbkg ihcekcn
kcjvwzy{# Bffqhc Ihce dhw fwzhilkwdfj h wzyocn hcj gyfjkilf bhchnfbfcz
zfhb gobpykwfj om ftpfykfcgfj pyomfwwkochlw, ~dkgd dh}f hgdkf}fj h wzyocn
ihlhcgf wdffz ~kzd ftgfllfcz opfyhzkcn pyomkzhiklkz{, kcglvjkcn h ghpkzhl
hjfxvhg{ yhzko zdhz plhgfw zdf Ihce hz zdf zop om zdf kcjvwzy{
88
#
:#7 Zfgdcolon{ Hchl{wkw
Phnf | =9
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8/8/2019 Internship Report on MBL
63/102
:#7#8 Zfgdckghl bfzdojw zdhz hmmfgz zdf kcjvwzy{
Zfgdcolon{ kw dh}kcn h bhaoy kbphgz oc zdf ihcekcn kcjvwzy{# Jkyfgz jfpowkzw
hllo~ gobphckfw hcj no}fycbfczw zo flfgzyockghll{ zyhcwmfy ph{bfczw kczo
}hykovw hggovczw# Jfikz ghyjw, ~dkgd bh{ hlwo if vwfj hw HZB ghyjw,kcwzhczhcfovwl{ jfjvgz bocf{ myob hc hggovcz ~dfc zdf ghyj kw w~kpfj
hgyoww zdf bhgdkcf hz h wzoyfw ghwd yfnkwzfy# Flfgzyockg ihcekcn i{ pdocf oy
gobpvzfy hllo~w gvwzobfyw zo hggfww kcmoybhzkoc wvgd hw hggovcz ihlhcgfw
hcj wzhzfbfcz dkwzoy{, ph{ ikllw hcj zyhcwmfy bocf{ myob ocf hggovcz zo
hcozdfy#
""""""""""""""""
88# ~~~#bffqhcihce#gob/Cf~wJfzhkl#hwpt?kCf~wKJ29
Hj}hcgfbfczw kc zfgdcolon{ dh}f hlwo lfj zo kbpyo}fbfczw kc zdf ~h{w kc
~dkgd ihcew pyogfww kcmoybhzkoc# Zdf vwf om gdfxvf kbhnkcn hllo~w ihcew zo
wzoyf pdozonyhpdfj gdfxvfw oc zdf gobpvzfy kcwzfhj om phpfy mklfw#
Wobf om zdf zfgdckghl bfzdojw zdhz hyf vwfj hcj hmmfgz zdf ihcekcn kcjvwzy{
hyf hw mollo~w1
H}hklhiklkz{ hcj nyo~kcn vwf om gyfjkz wgoykcn womz~hyf hllo~w
lfcjkcn jfphyzbfczw zo hppyo}f lohcw kc bkcvzfw, yhzdfy zdhc jh{w
$hlyfhj{ kc vwf om Hbfykghc ihcefyw+# Kz kw h pfymfgz fthbplf om
flfgzyockg jfgkwkoc bhefy5 kz ghc nk}f yflkfm zo zdf gyfjkzw
jfphyzbfcz pfywoccfl i{ ~h{ om hvzo ghlgvlhzkcn zdf bhcvhl
ghlgvlhzkocw i{ wkcnlf glkge#
Gobpvzfy cfz~oyekcn ~kzdkc iyhcgd lf}fl kw hlwo fyojkcn zyhjkzkochl
ihyykfy ifz~ffc mkchcgkhl wfy}kgf pyo}kjfyw $ihce+ hcj zfgdcolon{
mkybw ~dkgd hyf vlzkbhzfl{ ioowzkcn yf}fcvf moy ihcekcn hcjzflfgob kcjvwzy{#
:#7#9 Kcco}hzkoc
Phnf | =7
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8/8/2019 Internship Report on MBL
64/102
Kcco}hzkoc kw h cfgfwwkz{ kc goczfbpoyhy{ zkbfw, hw kz kw ifgobkcn ocf om zdf
yfhwocw om gobpfzkzk}f hj}hczhnf kc ihcekcn kcjvwzy{# Kz dflpw ihcew zo
gobpfzf kc zojh{w dkndl{ zfgdcolonkghll{ jyk}fc kcjvwzy{# Wobf om zdf
kcco}hzkocw zdhz zdf ihcekcn kcjvwzy{ kw looekcn moy~hyj hyf1
Hj}hcgfj bfhcw om goccfgzk}kz{ ifz~ffc iyhcgdfw zdyovnd ifzzfy
hcj hj}hcgfj womz~hyf hcj dhyj~hyf zo bhkczhkc goccfgzkocw
~kzdkc ihcew kc yfbozf hyfhw hcj jvykcn chzvyhl ghlhbkzkfw kc
Phekwzhc# Zdkw kcglvjfw ifzzfy goccfgzkoc zdyovnd ^kMk oy ^kBht
Gyfjkz wgoykcn womz~hyf ~dkgd hllo~w lfcjkcn jfphyzbfczw zo
hppyo}f lohcw kc bkcvzfw, kz pyo}kjfw zdf bhaoy fjnf zo gyfjkz
ommkgfyw kc Phekwzhck wgfchyko#
Kcmoybhzkoc w{wzfbw kc ihcew zdhz hyf boyf pyozfgzfj zdhc pykoy zoflkbkchzf hc{ pyoihiklkz{ om myhvj hcj ~dkgd hyf f}fc boyf vwfyw
mykfcjl{ zo dflp fbplo{ffw zo vwf zdfb coz ocl{ zo bhef ef{
jfgkwkocw ivz hlwo whzkwm{ gvwzobfy cffj kc h boyf ~fll"zkbfj
bhccfy#
Hj}hcgfbfczw kc oclkcf zyhcwmfy myob kczfy iyhcgd zo hc f}fc
boyf dflpmvl kczfyihce zyhcwmfyw#
Hvzobhzkoc om wkbplf opfyhzkocw zhwe zdhz ~kll coz ocl{ kbpyo}f
fmmkgkfcg{ ivz hlwo yfjvgf gowzw lkef wzhzkochy{ hcj govykfywfy}kgfw, lkef hvzobhzkoc om gdfxvf iooew fzg#
Jknkzhl kbhnkcn om gdfxvfw kw hlwo hc kcco}hzk}f zfgdcolon{ moy
Phekwzhck ihcefyw zo mollo~ hcj kczyojvgf phpfy myff fc}kyocbfcz#
Ihcew kc Phekwzhc hyf zy{kcn kczfycfz, boiklf hcj zflfpdocf
ihcekcn kc kzw opfyhzkocw zo bhaoy ftzfcz wo zdhz gvwzobfy jyk}fc
ihcekcn ghc if kbplfbfczfj#
Phnf | =:
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8/8/2019 Internship Report on MBL
65/102
Gdhpzfy 6
6# Do~ - ^d{ K dh}f wflfgzfj Bffqhc Ihce?
6#8 Yfhwoc moy Wflfgzkcn Bffqhc Ihce
Mf~ jfghjfw ihge, pfoplf dhj co ozdfy opzkoc zo no moy ftgfpz gobbfygkhl
ihcekcn# Wobf om zdf yfhwocw moy zdkw hyf zdhz hz zdhz zkbf bhc{ pfoplf ~fyf
kncoyhcz om zdf Kwlhbkg }hlvfw c pykcgkplfw yfnhyjkcn zdf kczfyfwz mktfj" phkj i{
zdf gobbfygkhl ihcew# Wfgocjl{, f}fc km zdf{ dhj hc{ kcmoybhzkoc oy
eco~lfjnf hcj ftpowvyf hiovz zdf ~oyekcn om ihcew hcj zdf gobbfygkhl
ihcekcn zdf{ wzkll dhj zo jo zdfky zyhcwhgzkocw zdyovnd zdfb hw zdfyf ~hw coz h
wkcnlf ihce fcnhnfj kc Kwlhbkg ihcekcn#
^kzd zdf phwwhnf om zkbf bhc{ Kwlhbkg hcj wdhykhd wgdolhyw lhkj mhz~hd oc zdf
bojf om ~oyekcn om gobbfygkhl ihcew hcj gocwkjfyfj zdf mktfj yhzf om pyomkz
hcj kczfyfwz phkj i{ zdfb Dhyhb $vclh~mvl, pyodkikzfj+# Zojh{, jvf zo zdf
Phnf | =6
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8/8/2019 Internship Report on MBL
66/102
kcgyfhwfj ftpowvyf, pfoplf hyf bvgd boyf kcglkcfj zo kc}fwz oy jfpowkz zdfky
bocf{ kc zdf ihcew ~do hyf fcnhnfj kc zdf Kwlhbkg ihcekcn# Jvf zo zdkw bhc{
ihcew dhw zhefc kckzkhzk}f zo opfc zdf iyhcgdfw gocjvgzkcn Kwlhbkg ihcekcn#
B{ yfhwoc moy wflfgzkcn Bffqhc ihce kw zdhz, mkywzl{, kz kw zdf pkocffy Kwlhbkgihce kc Phekwzhc ~dkgd kw moybfj oc zdf pykcgkplfw om wdhykhd# H ~kjf yhcnf om
pyojvgzw hyf jf}flopfj hcj lhvcgdfj gocwolkjhzkcn zdf Ihcew powkzkoc hw zdf
pyfbkfy Kwlhbkg Ihce om zdf govczy{# Hw kc bhyefzkcn, zdf pkocffy kc zdf
bhyefz kw whkj zo if zdf bhyefz lfhjfy hw boyf pfoplf hyf h~hyf om zdf
gobphc{
Kc 9008, Zdf Wdhykhd Wvpfy}kwoy{ Iohyj ~hw fwzhilkwdfj hz Bffqhc Ihce lfj
i{ Avwzkgf $Yfzj#+ Bvdhbbhj Zhxk Vwbhck hw gdhkybhc# Wzhzf Ihce om Phekwzhc
wfzw gykzfykh moy fwzhilkwdbfcz om Kwlhbkg gobbfygkhl ihcew kc pyk}hzf wfgzoy
hcj wviwkjkhykfw hcj wzhcj"hlocf iyhcgdfw i{ ftkwzkcn gobbfygkhl ihcew zo
gocjvgz Kwlhbkg ihcekcn kc zdf govczy{#
Hcozdfy yfhwoc moy wflfgzkcn Bffqhc kw kzw goccfgzkoc ~kzd zdf Xvyhc# Zdf zfyb
Bffqhc kw jfyk}fj myob zdf ~oyj Hl"Bffqhc ~dkgd bfhcw ihlhcgf#
Zdf Kwlhbkg bojf om ihcekcn kw wzkll hc fbfynkcn bhyefz kc Phekwzhc# Kz dhw hiyohj mvzvyf ~hkzkcn hdfhj kc zdf Phekwzhck bhyefzw# Zdf gobpfzkzkoc kw bvlzk"
moljfj myob lhwz jfghjf# Gvyyfczl{ kc zdkw d{pfy gobpfzkzk}f fc}kyocbfcz kzw
zdf bhchnfbfcz, pyomfwwkochl wzhmm hcj wfy}kgfw om Bffqhc Ihce ~dkgd dhw
kcgyfhwfj kzw ~oyzd bvlzk moljfj#
Lkef ~kwf, zdf bowz cozhilf yfhwoc moy wflfgzkcn Bffqhc Ihce kw zdf
hzbowpdfykgw om zdf oynhckqhzkoc# Ihwfj oc zdf Kwlhbkg pykcgkplfw, mfbhlf wzhmm
kw yfxvkyfj zo ~fhy hih{h jvykcn zdf ~oyekcn dovyw om ihce# Zdkw dhw kcwpkyfj
bf h loz# [ov jocz dh}f zo ~oyy{ hiovz {ovy jyfwwkcn hcj hiovz zdf chwz{/
mklzd{ f{fw gvwzobfyw#
Zdf do~ phyz om zdf xvfwzkoc kw hcw~fyfj hw1 zdyovnd ~oyj om bovzd#Phnf | ==
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8/8/2019 Internship Report on MBL
67/102
6#9 Pyhgzkghl Hpplkghzkoc om zdf Wviafgzw
Hlbowz f}fy{ govywf hwwkncfj zo bf kc Dha}fy{ ~hw wobfdo~ oy ozdfy yflf}hcz
zo zdf ~oyekcn om zdf gobphc{# Dfyf kw zdf lkwz om wobf om zdf govywfw zdhz hyf
hpplkghilf oy zdf{ hyf hpplkfj kc yfhl zkbf kc zdf ihcekcn fc}kyocbfcz#
Ihcekcn Pyhgzkgf - Lh~
Ihcekcn Opfyhzkocw
Kczfychzkochl Ihcekcn
Mkchcgkhl Bhchnfbfcz
Dvbhc Yfwovygf Bhchnfbfcz
Gobbvckghzkoc Wekllw
Hggovczkcn
Bhchnfbfcz
^fll wobf om zdf govywfw ~fyf hpplkghilf gobplfzfl{ lkef hggovczkcn,
bhchnfbfcz, ihcekcn opfyhzkocw, ihcekcn pyhgzkgf hcj lh~ fzg# ~dklf zdf
ozdfyw ~fyf hpplkghilf zo wobf ftzfcz ocl{# Hw bowz om zdf iooew ~f dh}f
wzvjkfj jvykcn ovy jfnyff pyonyhb ~fyf ~ykzzfc i{ zdf kczfychzkochl hvzdoyw
wo zdf pyogfjvyfw jkmmfyfj zo wobf ftzfcz# Zdkcnw zhvndz zo vw ~fyf whbf ivz
zdf ~h{ om kzw hpplkghzkoc oy kzw fwwfcgf ~hw fczkyfl{ jkmmfyfcz#
Lkef~kwf mf~ zdkcnw hppfhyfj zo if fczkyfl{ iooekwd km ~f gobphyf zdfb ~kzd
zdf pyhgzkghl fc}kyocbfcz om zdf oynhckqhzkoc#
Phnf | =>
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8/8/2019 Internship Report on MBL
68/102
Gdhpzfy =
=#8 Pfywoc K hjbkyf bowz hz BIL
Jvykcn zdf govywf om b{ Kczfycwdkp hz Bffqhc Ihce Lkbkzfj, K ~oyefj kc
}hykovw jfphyzbfczw ~kzd }hykovw wvpfy}kwoyw hcj ef{ pfywoccfl# K lfhycz loz om
pyomfwwkochl ef{ hzzykivzfw hcj bhcjhzoy{ ihcekcn pyogfjvyfw kc pyhgzkgf
gvyyfczl{ kc Phekwzhc hw ~fll hw lfhycz jkmmfyfcz ifdh}koyw jvykcn b{ kczfycwdkp
pyonyhb# Zdf ifdh}koyw hyf jkyfgzl{ yflhzfj zo ovy pyomfwwkochl gobpfzfcg{#
Zdf ifdh}koyw hcj booj hyf hlwo yfnhyjfj hw ef{ bozk}hzoyw moy zdf
gvwzobfyw hcj zdf gollfhnvfw pyfwfcz yfwpfgzk}fl{#
Zdf pfywoc K gdfykwdfj bowz jvykcn mlvt om zkbf ~hw Ommkgfy Opfyhzkocw,
Bkww Yhikh Hwlhb# K lkefj dfy coz moy dfy ifhvz{, kczfllknfcgf, pfywochlkz{ oy dfy
ifdh}koy# K lkefj dfy bowz moy dfy pyomfwwkochlkwb hcj govyzfw{#
Phnf | =4
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8/8/2019 Internship Report on MBL
69/102
Zdf ocf zdkcn hc kczfycff jofw bowz jvykcn kczfycwdkp kw zo oiwfy}f zdkcnw,
wgfchykow hcj wkzvhzkocw# B{ oiwfy}hzkocw nvkjfj bf zdhz zdkw lhj{ ~hw hl~h{w
govyzfovw hcj polkzf ~kzd zdf gvwzobfyw ~dkgd kw ~d{ bowz om zdf zkbf zdfyf
~hw cozhilf yvwd oc dfy zhilf# Dfy hiklkz{ zo pfymoyb ~fll kc jkmmfyfcz
gocjkzkocw hcj effpkcn zdf gvwzobfyw dhpp{ kcwpkyfj bf h loz#
Hphyz myob zdhz wdf kw h }fy{ dvbilf hcj ckgf dvbhc ifkcn ~do ~hw hl~h{w
zdfyf zo dflp bf hcj nvkjf bf jvykcn b{ kczfycwdkp# Dfy bfzdoj om
wvpfy}kwkcn ~hw }fy{ mykfcjl{, yfwpfgzmvl hcj vcjfywzhcjkcn#
Gdhpzfy >
># Iykfm oc zdf Jfphyzbfczw K ~oyefj jvykcn kczfycwdkp hcj
wpfgkmkg/lfhjkcn goczykivzkoc bhjf#
>#8 Iykfm kczyojvgzkoc
K jkj b{ fkndz ~ffe kczfycwdkp hz Bffqhc Ihce Lkbkzfj Cf~ Nhyjfc Zo~c
Iyhcgd Lhdoyf# Zdkw iyhcgd hlwo wfy}fw hw h Phyfcz Iyhcgd om Bojfl Zo~c
Iyhcgd# Jvykcn kczfycwdkp K ~hw yollfj o}fy kc jfphyzbfczw kcglvjkcn hggovczw
opfckcn, yfbkzzhcgf, gdfxvf iooe kwwvkcn, moyfknc zyhjf, hwwkwzkcn gvwzobfy
Ghyf, ivz hc{ pfcfzyhzkoc ~hw jf}flopfj kc zdf Gyfjkzw Jfphyzbfcz#
Zdf ~oye zdhz K jkj jvykcn b{ kczfycwdkp hz Bffqhc Ihce pykbhykl{ kcglvjfw
}ovgdfy gdfgekcn, gdfgekcn hggovcz opfckcn pyf"yfxvkwkzfw, hggovcz opfckcn
ihgelon gdfgekcn, hchl{qkcn zdf kc~hyj hcj ovz~hyj glfhykcn, bhkczhkckcn
yfzvyc bhkl yfnkwzfy, gobplfzkoc om ph{ oyjfy hcj jfbhcj jyhmz yfnkwzfy, qhehz
Phnf | =;
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8/8/2019 Internship Report on MBL
70/102
yfnkwzfy bhkczfchcgf, hwwkwzkcn zdf gdfxvf iooe kwwvhcgf jfphyzbfcz,
jf}flopfj eco~"do~ hiovz zdf logefyw hcj zdf yvlfw yflhzfj zo zdfb,
hchl{qkcn zdf ftpfcwfw kcgvyyfj hcj bhkczhkc zdf yfgoyjw zdfyfom# Hwwkwzkcn
zdf ommkgfy gocgfyc moy zdf gyfhzkoc om ftpfcwf hppyo}hl wdffzw, vcjfywzhcj
zdf ~oyekcn om gyfjkzw jfphyzbfcz, hcj zo hwwkwz zdf moyfknc zyhjf ~kcn#
>#9 Jfphyzbfcz O}fy}kf~
GKIJ $Goypoyhzf - Kc}fwzbfcz Ihcekcn Jk}kwkoc+ oy Gyfjkzw Jfphyzbfcz, zdkw
~hw zdf jfphyzbfcz ~dkgd hzzyhgzfj bf zdf bowz hcj jvf zo b{ kczfyfwz kc
mkchcgf K wzhyzfj pfcfzyhzkcn kc GKIJ# H }fy{ iykfm o}fy}kf~ om zdkw jfphyzbfcz
kw zdhz kz zfcjw zo mogvw oc zdf goypoyhzf lfcjkcn hcj wobf~dhz w{cjkghzkocw
hlwo5 kcjffj kz go}fyw zdf lfcjkcn bojfw kc goypoyhzf wfgzoy#
Zdkw jfphyzbfcz kw fczkyfl{ jfpfcjfcz oc wobf ozdfy jfphyzbfczw moy zdf whef
om glkfczw }fykmkghzkoc hcj lfnhl pyo}kwkocw# Zdf lfcjkcn ghwfw wzhyzw hz zdf
lo~fy lf}fl K"f, Yflhzkocwdkp ommkgfy oy Yflhzkocwdkp Bhchnfy# Zdf ghwf kw zdfc
moy~hyjfj zo zdf Yfnkochl lf}fl hcj zdfc zdf Dfhj ommkgf moy zdf mkchl hppyo}hl#
Jogvbfczw zo if hgxvkyfj myob zdf pyowpfgzk}f glkfcz ~dklf yfxvfwz om lfcjkcnkw yfgfk}fj hyf hzzhgdfj kc zdf hppfcjkt D#
Phnf | >0
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8/8/2019 Internship Report on MBL
71/102
Gdhpzfy 4
4# Pyoilfb Kjfczkmkghzkoc
Zdf bhkc pyoilfbw K kjfczkmkfj jvykcn b{ kczfycwdkp pyonyhbw ~fyf1
Zdf lhge om h~hyfcfww hbocn zdf fbplo{ffw hiovz zdf fthgz aoi
jfwgykpzkoc#
Vcjfmkcfj aoi zhwew kc opfyhzkocw
Lhge om KZ wpfgkhlkwz hz iyhcgd lf}fl#
Lhge om gobboc Yoob#
Lhge om kcgfczk}fw, pfymoybhcgf yf~hyjw fzg#
Zdf iyhcgd hzbowpdfykgw wobfzkbfw gyfhzfw lo~ lf}flw om gvwzobfy
whzkwmhgzkoc
4#8 ^fhefwz hyfh$w+ om Bffqhc Ihcew Pfymoybhcgf
Phnf | >8
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8/8/2019 Internship Report on MBL
72/102