Industrial training report: Maybank Sungai Petani Branch

From March 11, 2024, to August 16, 2024, I interned at the Maybank Sungai Petani Branch as a salesperson. My primary goals were to gain practical sales experience, enhance sales strategies, and apply academic knowledge in real-world settings. I engaged directly with customers to understand their financial needs, promoted various banking products, and worked towards achieving sales targets. My responsibilities also included ensuring all sales activities adhered to banking regulations and providing excellent customer service.
Working closely with the Sales team, I developed practical skills in customer relationship management, sales planning, and report generation. This experience was transformative, equipping me with valuable insights into corporate sales strategies and the financial services industry.
The internship report includes a detailed Financial Ratio Analysis of Maybank’s annual reports from 2020 to 2022, revealing mixed trends in the bank’s financial performance. Liquidity ratios remained low, indicating potential difficulties in meeting short-term obligations. Profitability ratios, such as Return on Equity (ROE), remained stable, suggesting effective use of shareholders' equity, while Return on Assets (ROA) declined, indicating decreasing efficiency in asset utilization. Efficiency ratios demonstrated consistent revenue generation, but high leverage ratios indicated a persistent reliance on debt, posing potential financial risks.
Additionally, the report included a SWOT Analysis based on my experience at the Maybank Sungai Petani Branch, identifying strengths like a strong market presence and effective sales strategies, weaknesses such as a lack of experienced staff and challenges in integrating systems, opportunities including leveraging strategic locations and potential collaborations, and threats such as intense competition and rising cybersecurity risks.
Overall, this internship provided a comprehensive understanding of the banking industry, particularly in sales and customer relationship management. It highlighted the importance of strategic analysis and the practical application of theoretical knowledge in achieving business objectives.