Internship report

College of Administration and Finance Sciences

Form No 4- Internship Report Cover Page
Student`s name:

Mohammad I Albader

Student`s ID #:

S210024417

Training Organization: Saudi National
Bank

Trainee Department: Branch banking

Field Instructor Name: Khlef AlOnize

Field Instructor Signature:

Course Title: Internship

CRN: 13700

Internship Start Date: 8/9/2024

Internship End Date: 15/2/2025

Academic Year/Semester: 2024/2025

For Instructor’s Use only
Instructor’s Name:

Total Training Hours /280

Students’ Grade: Marks Obtained /30

Level of Marks: High/Middle/Low

College of Administration and Finance Sciences

Academic Report Guideline(Co-op)
(please do not include this text in the final report, just follow its guidelines and
use the cover page above)
The report should be submitted within two weeks after you finish your Co-op training Program.
In addition, the report should be approximately 3000 – 4000, single –spaced and consider taking the
following format
General instructions for writing the final report:
The report must be written in English language.
The word limit is 3000-4000.
If the report word count is not within the required word limit, marks will be deducted.
The font size is 12, Times New Roman, justified, 1.5 space.
Main headings use font size of 16 and bold.
Add page numbers in the middle bottom of the page.
Plagiarism or copying from other sources will result in ZERO marks.
This report must be submitted on Blackboard (WORD format only) via the allocated folder.
Your work should be clearly and completely presented; marks may be reduced for poor presentation. This
includes filling your information on the cover page.
Assignment will be evaluated through BB Safe Assign tool. Late submission will result in ZERO marks
being awarded.
First Page
The first page should display the student’s full name, internship start and finish dates, working hours per
week, company/institution name, and the cover page.
The field instructor should sign on the first page.
A Brief Executive Summary of the Internship
A one-page summary of the company/institution and a short account of the major activities carried out
during the internship period.
Acknowledgment
To allow the student to express her/his thankful and gratitude to individuals (such as: field instructor,
academic supervisor, colleagues…etc.) who help them in carrying out and completing her/his training
journey. This part will aid the students to learn basic elements of academic writing. To express their
appreciation in a concise and professional manner.
Table of Contents
Contents of the report with page numbers, list of tables, and list of figures.
Introduction
A brief of the report. The Aim of the report.

College of Administration and Finance Sciences
Chapter 1: Description of the company
This section should answer the following questions:
What is the full title of the company/institution?
Give a brief history of the company, full mailing address and relevant weblinks
What is the type of ownership of the company/institution?
State the main shareholders and their shares.
What is the sector that the company/institution operates in?
Specify the products and services produced and offered to its customers/clients.
Who are regarded as the customers/clients of your internship company (consider the end users, retailers,
other manufacturers, employees,etc.)?
Provide an organization chart of the company, along with information on the number of employees.
Provide a list of functions performed by different departments/divisions in the internship organization.
Provide an overview off the production system or service procedure (what are the resources, inputs,
outcomes, andconstraints?)
Provide a process chart of a major product and/or service.
The following questions can be classified as your major fit (Finance, Accounting, Ecommerce and
Management).
• What kind accounting/finance/IT//quality/marketing standards and principles are used in the
organization?
• Discuss telecommunication technologies (Database, Instant Messenger, Networking, Ecommerce tools)
used in the company.
• Describe the quality planning and control activities in the internship organization.
• Describe the quality control activities throughout the life cycle of the product/service groups
• What kind of financial analysis and decision-making methods are used by corporate treasurers and
financial managers in the internship organization?
• What types of marketing, selling, and human resources analysis are performed (cost system, evaluation
of consumers, needs, product strategy, distribution strategy, promotional strategy)?

Chapter 2: Internship activities
This is the main body of your report. During the internship period, the focus of the training may on the
following types of analysis and questions. You do not have to answer all the questions in the list: •
Describe your working conditions and functions, such as: Who is your supervisor (include his/her name
and his/her position); other team members or co-workers and what their functions are to complement
yours.
• Provide a detailed description about the department(s) that the trainee did her/his training with them.
Adding all sub-divisions for this department(s) if it is available. Student can add to this description a
supported chart.
• Detailed descriptions about all tasks and activities that the trainee did them during her/his training
period.
• Gained skills and how they added value to your work
• Other tasks that are not related to the trainee’s major that done by her/him at the company should be
included in this chapter as well.
• What types of incentives did you get as a trainee to be more proactive and productive?

College of Administration and Finance Sciences
• Describe what kind of working documents and analysis you did there and what experiences you have
gained throughout yourtraining. Provide examples of your work.
• A comparison between theory (things you have learned in the classroom) and practice (things you did or
observed at the company) must be made and highlighted. In this section the student can add a supported
table includes which academic course (s) (course title and code) helped to perform training tasks. For
example, two columns; the first one shows the course name and second column shows the tasks
performed and related to this course.
• Show some work samples that you have encountered/conducted at the company through graphs,
pictures, data, drawings, or design calculations and include them in your report.
• Lessons learnt (what the overall benefits gained from the training program)
Chapter 3: Recommendations
• Advantageous that helped the student in completing the training program.
• Disadvantageous and challenges that faced the student and how he/she did overcome them.
• Recommendations to improve training program in the college.
• Recommendation for the training company. Conclusion Sum up and summary of the training
experience. Reference If it is needed Appendix (option) This will help the instructor to have a background
about the trainee and his/her previous experiences. Also, it helps the students in writing their CVs for
future job application especially for fresh graduates who do not have previous practical experiences.
• Basic information (name, city, contact details…etc.).
• Job objectives.
• Academic qualifications.
• Practical experiences.
• Skills this will help the instructor to have a background about the trainee and his/her previous
experiences

Executive Summary of the Internship
This internship report has been written on Saudi National Bank (SNB) internship
experience, Saudi’s largest commercial bank. The 1953-formed bank has head office in
Riyadh and merged with Samba Financial Group and National Commercial Bank (NCB) in
2021. The Saudi Arabian banking and financial institution’s biggest, SNB provides variety of
banking and finances such as retail banking, corporate banking, investment banking, and
wealth management. The bank supports Saudi Vision 2030 with its efforts towards
diversification of economy and regional and international flow of trade. I had been assigned
with Branch Banking Department of SNB for an internship, where I worked with varying
responsibilities such as finances data analysis, customer relationship, and loan process.
The primary responsibilities of me were assisting with finances’ analysis, preparing
statements of accounts, and helping with loan repayment and customer’s account
tracking. I also communicated with other departments and understood overall banking and
finances of the firm and contributed towards fulfilling goals of SNB, such as improvement
of banking services and economy growth. With this internship, I had real experience of
working with banking and finances and with utilization of different finances-related tools, I
could correlate what I had been studying from academics with real business practices. The
internship gave me exposure of developing skills such as data analysis, time management,
and teamwork and understanding nitty-gritty of finances of big, complex firm.

Acknowledgment
I would also wish to use this avenue and acknowledge with gratitude every individual who
made the Saudi National Bank internship experience a valuable learning experience for me.
I want, besides everything, to acknowledge Mr. Khlef AlOnize, field instructor of SNB, for
mentorship, counseling, and feedback on the internship. His experience with money and
sharing experience made me more familiar with the banking career.
I also want to acknowledge academic supervisor Dr. [Name] for overall support and for
assuring me of compatibility of the internship experience with academic goals. Their
experience and counseling made me reflect on professional and academic growth and
learn more of what I had achieved and what I could achieve if I pursue this career.
I also acknowledge their effort towards assigning me this internship experience, and I feel
privileged for their trust.

Introduction
This report aims to provide a comprehensive overview of the internship experience at Saudi
National Bank (SNB), focusing on the tasks and skills developed during the internship
period. The report outlines key company details, including its history, organizational
structure, and the services it offers. It also explores various financial, marketing, and IT
strategies and practices in the organization, providing insight into the environment in which
the internship was completed.
The purpose of this report is to analyze and evaluate the activities and learning outcomes
gained through the internship, highlighting the processes and practices that contributed to
personal and professional growth.
Chapter 1: Description of the Company
1.1 Full Title and History of the Company
Saudi National Bank (SNB), also known as Al Ahli Bank, is one of the largest financial
institutions in Saudi Arabia. It was founded in 1953 as the first national bank of the
Kingdom. In 2021, SNB was formed through the merger of National Commercial Bank
(NCB) and Saudi Fransi Bank, aiming to enhance its financial services and market position
within the region (Saudi National Bank, 2023).
Mailing Address:
Saudi National Bank
P.O. Box 2315
Riyadh 11451, Kingdom of Saudi Arabia
Website
1.2 Type of Ownership
Saudi National Bank is a publicly listed company on the Saudi Stock Exchange (Tadawul).
The bank operates under the regulations of the Saudi Arabian Monetary Authority (SAMA),
with shares publicly traded, allowing retail and institutional investors to hold stakes in the
organization.
Main Shareholders:
As a publicly listed bank, the primary shareholders of SNB include institutional investors,
government entities, and retail shareholders. The largest shareholder is the Public
Investment Fund (PIF) of Saudi Arabia, which controls a significant portion of the shares
(Saudi National Bank, 2023).
1.3 Sector of Operation

Saudi National Bank operates in the banking and financial services sector. As one of the
leading financial institutions in Saudi Arabia, SNB provides a wide range of banking
services, including retail banking, corporate banking, investment banking, and asset
management. The bank plays a pivotal role in supporting the Saudi economy through
various financial products and services, both locally and internationally (Saudi National
Bank, 2023).
1.4 Products and Services
Saudi National Bank offers an extensive portfolio of financial products and services,
including but not limited to:
•

Retail Banking Services: Personal loans, credit cards, savings accounts, and
mortgages.

•

Corporate Banking Services: Business loans, trade financing, and treasury
services.

•

Investment Banking: Wealth management, investment advisory services, and
portfolio management.

•

Shariah-compliant Services: Islamic banking products based on Islamic law
(Saudi National Bank, 2023).

These services cater to both individual clients and corporate entities across a range of
sectors, from retail to manufacturing and government.
1.5 Customers/Clients
The clients of Saudi National Bank range from individual customers and retailers to large
corporations and government entities. The bank also offers specialized financial services
to other financial institutions and manufacturers. The services extend to local and
international customers, ensuring SNB’s involvement in key financial markets (Saudi
National Bank, 2023).
1.6 Organizational Structure and Employees
Saudi National Bank employs over 10,000 staff members across its branches,
subsidiaries, and offices globally. The organizational structure of the bank consists of
various divisions, each focusing on specific sectors such as retail banking, corporate
banking, treasury, risk management, and compliance.
Key Functions of Different Departments:

•

Retail Banking Division: Responsible for providing personal banking products,
including loans, deposits, and credit services.

•

Corporate Banking Division: Focuses on services for businesses, such as trade
finance, commercial loans, and liquidity management.

•

Investment Banking Division: Manages the bank’s wealth management and
investment advisory services.

•

Risk and Compliance Division: Ensures adherence to financial regulations,
internal controls, and risk mitigation strategies.

1.7 Production System/Service Procedure
Resources and Inputs:
The main resources for SNB include its human resources, capital, technology (banking
software, IT infrastructure), and regulatory knowledge. The bank sources funds primarily
through customer deposits, capital markets, and interbank lending.
Outcomes and Constraints:
The key outcome of SNB’s operations is the provision of financial products that enable
individuals and corporations to manage their finances, invest, and grow their wealth. The
constraints include regulatory compliance, market fluctuations, and technological
limitations that could affect the speed and scope of service delivery (Saudi National Bank,
2023).
1.8 Process Chart of Major Products/Services
The following is an overview of the loan approval process for a retail customer:
1. Customer Application: The customer submits a loan application through the
bank’s mobile app or branch.
2. Document Verification: The customer’s financial documents are verified, including
proof of income and credit history.
3. Credit Scoring: The application is evaluated using SNB’s internal credit scoring
system.
4. Approval/Rejection: Based on the scoring and verification, the loan is either
approved or rejected.
5. Disbursement: Approved loans are disbursed to the customer’s account.
1.9 Standards and Principles Used

Accounting and Finance Standards:
Saudi National Bank complies with its overall financial report requirements under the
International Financial Reporting Standards (IFRS) with clarity and coherence in disclosure
(Saudi National Bank, 2023).
Telecommunications Technology:
Use of improved telecommunication technologies, such as database systems for data
representation, instant messaging for intra-branch communications, and electronic
commerce solutions for customer purchases, supports SNB. The bank has a secure online
banking environment where banking can be conducted from afar.
Plan and Control of Quality:
The quality control processes emphasize customer satisfaction, reliability of the service,
and conformity with requirements of finances. The bank has a model of continuous
improvement with customer feedback and audits of the service for improvement purposes.
Financial Methods of Decision Making:
Financial analysis, on its part, has a variety of methods including ratio analysis, cash flow
projection, and variance analysis for measurement and advising on decision-making. The
methods allow for determination of profitability of investments and loans, among other
determinative factors, by the financial managers.
Marketing and Human Resource Analysis:
For its human resource and marketing sections, SNB has a cost approach for measuring
efficacy of its campaigns and its human resource efforts for its recruits. The bank also
performs research on markets for purposes of understanding needs of consumers and
modifying its offerings accordingly.
Chapter 2: Internship Activities
2.1 Work Conditions and Roles
While undergoing the internship with Saudi National Bank (SNB), I worked in the Branch
Banking Department, directly under report of Branch Banking Manager Khlef AlOnize. I had
primary duties of assisting with processes of data representation, customer relationship,
and financial analysis. The group I worked with had a couple of employees with assigned
duties:
•

Branch Banking Officers: Responsible for managing customer accounts and
addressing daily inquiries.

•

Customer Relationship Managers (CRMs): Handled high-net-worth clients,
offering them personalized financial products and services.

•

Financial Analysts: Focused on analyzing financial data, performing ratio analysis,
and forecasting financial trends.

My role complemented theirs by providing analytical insights through data collection,
cleaning, and visual representation, which helped inform decision-making for various
financial products and services.
2.2 Description of the Department
The Branch Banking Department at SNB is one of the largest divisions, offering a wide
array of services including savings accounts, personal loans, mortgages, and credit cards.
The department is responsible for managing both retail customers and smaller corporate
clients. Within the department, several sub-divisions exist:
•

Retail Services: Handles day-to-day banking needs for individual clients, such as
account management and loan services.

•

Loan Processing: Manages the processing of personal loans, mortgages, and credit
card applications.

•

Customer Support: Provides assistance and resolves issues for customers using
various channels, including phone, email, and in-person service.

•

Financial Analysis and Risk Management: Involves analyzing financial
performance, conducting risk assessments, and ensuring compliance with internal
policies and external regulations.

2.3 Tasks and Activities
During my internship, I conducted the following duties and tasks:
Financial Data Analysis:
I conducted ratio analysis, variance analysis, and projections for the purposes of
measuring performance and profitability of the bank and its offerings. I did this with
historical data for future projection of trends of profitability and customer behavior of the
bank.
Analysis of loan default rates, with historical data for future estimation of the risk, and
recommending ways of reducing them, was among the tasks I performed. I recommended
ways of reducing them to the supervisor.

Data Visualization:
I created graphics, diagrams, and dashboards of significant financial indicators such as
performance of loan, customer retention rate, and trends of the market. The data then
proceeded to be discussed with the top brass in meetings for purposes of decision-making.
Through Power BI and Excel, I could take unprocessed data and present them in forms
where they could be acted on for the team.
Risk Analysis:
As a task, I had to compute the risk of various offerings of money. This meant reading
statements and conducting tests of resilience for purposes of understanding possible
impacts of fluctuations of the economy on the portfolio of the bank.
Through techniques of financial modeling, I could approximate ways in which fluctuations
of the environment of the market (e.g., rates of interest) could influence the liabilities of the
bank.
2.4 Gained Skills and How They Added Value to My Work
Throughout my training period, I developed several skills that significantly enhanced my
ability to contribute to the team’s efforts:
•

Analytical Skills:
I honed my ability to interpret complex data and extract meaningful insights. This
was crucial for tasks like variance analysis and financial forecasting.

•

Financial Acumen:
I deepened my understanding of financial reports and learned to perform ratio
analysis and cash flow forecasts, which are critical for assessing the health of
financial institutions.

•

Communication and Presentation Skills:
Presenting data through PowerPoint and explaining financial insights to nonfinancial staff improved my ability to communicate complex concepts simply and
effectively.

These skills added value to my work by ensuring that I could perform tasks with greater
efficiency and accuracy, contributing to the decision-making process.
2.5 Tasks Not Directly Related to My Major
Although my major is in Finance, I also participated in a few tasks not directly related to my
field of study, including:

•

Internal Communication Management:
I assisted in improving internal communications by supporting the development of
newsletters and customer service updates for the bank’s employees. This allowed
me to interact with different departments and gain a broader understanding of how
SNB operates as a whole.

•

Data Cleaning and Data Entry:
Although not directly related to finance, working with data integrity and quality
assurance taught me the importance of clean, accurate data for making informed
financial decisions.

2.6 Incentives for Proactivity and Productivity
During my internship, I was incentivized to be proactive and productive in the following
ways:
•

Recognition:
I received positive feedback from my supervisor for producing high-quality work,
such as financial reports and visualizations, which were then used in strategic
meetings.

•

Opportunities for Growth:
I was given the opportunity to take on increasingly challenging tasks, such as
participating in financial forecasting and risk assessments, which helped me
expand my skill set.

•

Mentorship:
My supervisor and other senior staff members took time to mentor me, providing
advice on career development and helping me understand the broader financial
services landscape.

2.7 Working Documents and Analysis
Throughout my internship, I worked with various financial documents, including:
•

Balance Sheets: Analyzed data on assets, liabilities, and equity to assess financial
health.

•

Income Statements: Used these to evaluate profitability trends and determine
areas for improvement.

•

Cash Flow Statements: Assessed the bank’s liquidity position and the movement
of cash in and out of the organization.

One of the key examples of my work was a variance analysis report where I compared
projected financial outcomes with actual results. This report helped the management team
identify deviations in revenue and costs, allowing them to make adjustments to their
strategies.
2.8 Comparison Between Theory and Practice
In the classroom, I studied various financial theories related to investment analysis,
corporate finance, and risk management. During my internship, I applied these theories
to real-world scenarios, which deepened my understanding of financial operations.
Course Name and Code

Related Tasks Performed During Internship

Corporate Finance (FIN-301)

Financial data analysis, ratio analysis, forecasting.

Financial Risk Management
(FIN-302)

Risk analysis, stress testing, mitigation strategies.

Data Analytics for Finance
(DAT-401)

Data visualization, dashboard creation, and interpretation
of financial data.

2.9 Work Samples
Here are a few work samples I encountered during my training:
•

Graphs and Charts: Representing financial performance, including loan default
rates and revenue growth over the past year.

•

Forecasting Models: Visualizing future trends based on historical data and market
projections.

2.10 Lessons Learned
The internship at Saudi National Bank provided invaluable experiences and insights. The
lessons I learned include:
•

The Importance of Data Quality: Clean and accurate data is vital for making sound
financial decisions.

•

Practical Application of Financial Theories: Understanding how theoretical
concepts are applied in practice helped me bridge the gap between academic
learning and real-world finance.

•

Collaboration and Teamwork: Effective teamwork and communication are
essential in a fast-paced, results-driven environment.

This internship experience not only improved my technical skills but also gave me a deeper
understanding of the banking sector and the role of financial analysis in decision-making.
Chapter 3: Recommendations
3.1 Advantages Which Made Completion of the Training Program Convenient
A variety of factors played their major roles towards the smooth sailing of internship
experience, working in its favor for its completion, including:
Structured Training Program: The task and goals assigned by team members and supervisor
allowed me to attain explicit skills and knowledge.
Dedicated Work Culture: I had the luxury of working with Saudi National Bank’s
professional experts, including team members and supervisor Khlef AlOnize. Guidance and
teamwork from them proved useful for professional improvement and advancement.
Application of Sophisticated Finance Software: The use of advanced finance analysis
software, including data visualization and Excel, allowed me experience with the
commonly practiced techniques of the profession of finance. This allowed me to attain
technical skills and understand the process of money flow in real terms.
Experience of Real-World Banking Operations: The exposure of performing normal banking
processes, including loan process and forecasting, allowed me to implement classroom
knowledge into real practice, closing practice and theory gaps.
3.2 Challenges Encountered and How Overcome
There were also some of the internship’s encountered challenges, including:
Financial data complexity: The data can be complex, with dependencies. The data sets
proved challenging to study, such as when calculating and performing variance analysis for
the purpose of forecasting.
Solution: To overcome this, I performed rigorous data validation and data cleaning
processes. I also sought feedback from other team members, allowing me to find errors
and ensure data quality.
Resistance to Adopt New Processes: There was resistance towards adapting with new
devices and processes for more extensive finances, and this obstructed adoption of useful
processes. Solution: I made efforts to explain the benefits of novel devices and proved their
worth with small-scale deployments. I also conducted feedback sessions with peers and
made necessary revisions and established trust on such processes. Effective Time
Management: Handling different processes such as calculation of risk, future finances,

and trends created time-related problems, significantly when working with strict deadlines.
Solution: I utilized methods such as prioritization and segmentation of complex projects
into smaller and simpler pieces. With this, I could manage deadlines without affecting
quality of output.
3.3 Suggestions for the Training Program of the College
Stronger Company Connections: The college can strengthen its relationship with industries
such as Saudi National Bank, where college students can be acquainted with real-world
tasks earlier on in their college lives. Workshops on Tools for Finance: Workshops on toolrelated concepts of finances, and more significantly, data representation and future
projection, can empower college students with competitiveness in their internship and
future professional lives. Project-Oriented Course Work: Incorporation of more real-life
task-oriented projects similar to internships can prepare college students more for their
training sessions. This can bridge the gap between academic and professional exposure.
3.4 Suggestions for the Training Company (Saudi National Bank)
Improve Onboard Process: Though the internship process overall quite organized, there
could be a more extensive onboard process where college students can learn more on the
firm’s corporate culture and its inside systems.
Mentorship Programs: A more organized mentorship programme where the intern can be
allocated a mentor from a more experienced professional can also be more useful for their
training period. Opportunities for Work Across Departments: Exposing the intern to more
than a single department of the bank, i.e., customer, risk, and marketing, can broaden their
skill-set and their overall knowledge of banking processes.
3.5 Conclusion
The internship experience with Saudi National Bank has been very rewarding, and I had the
best possible experience of applying academic knowledge in actual banking environments.
The training process made me learn a range of skills related to financial analysis, time, and
communication, and also gave me exposure into the troubles and responsibilities of being
a professional in the field of finances. With regard to solving the troubles encountered and
implementing the recommendations made, both the college and the firm can enhance the
quality of internship for future trainees.

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