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Table Of Contents

EXECUTIVE SUMMARY
INTERODUCTION
18 YEARS OF BANKING HISTORY
VISION STATEMENT
MISSION STATEMENT
BUSINESS ETHICS AND CONDUCT
REGULATORS OF ASKARI BANK
COMMITMENT TO SOCIAL REPONSIBILTY
INSPIRING RELATIONSHIPS
INSPIRING CUSTOMER RELATIONSHIP
INSPIRING EMPLOYEE RELATIONSHIP
INSPIRING TECHNOLOGICAL INNOVATION
INSPIRING ETHICAL VALUES
INSPIRING THE INVESTOR¶S CONFIDENCE
AWARDS AND ACHIEVEMENTS
Best Commercial Bank
Best Retail Bank in Pakistan
Best Corporate Report
Corporate Excellence
Best Corporate / Institutional Internet Bank in Pakistan
Best Consumer Internet Bank in Pakistan
The Best Bank in Pakistan
Best Presented Accounts
Best Presented Annual Accounts
Commercial Bank of the Year
The Best Consumer Banking Award 2006
The Best Retail Banking Award 2008
The Best Corporate Report Award
Best Domestic Bank in Pakistan award for 1995by Euro money
CREDIT RATING
Long term: AA
Short term: A1+
COMPETITORS
Board of Directors
Company Secretary
Audit Committee
Auditors
Legal Advisors
Shariah advisor
MANAGEMENT
MAIN OFFICES
Registered \Head Office
Registrar\share transfer office
Wholesale Bank Branch, Bahrain
ORGANOGRAM
HIERARCHY AT THE TOWNSHIP BRANCH
FUNCTIONS OF ACBL
PRODUCTS &SERVICES OF ACBL
ASKARI MAHANA BACHAT ACCOUNT: (1 + 3 YEAR TENURE)
ROSHAN MUSTAQBIL ACCOUNT
Personal Finance
Islamic Banking services
Agricultural Finance Solutions
Kissan ever green Finance
PRODUCTS OF ACBL
DEMAND DEPOSIT IMPORT RELATED FINANCE
TIME DEPOSIT
PLS saving Deposit EXPORT RELATED FINANCE
Notice Deposit MISCELLANEOUS PRODUCTS
Fund Based Loan Askari debit card
Non-Fund Based Loan
GENERAL BANKING DEPARTMENT
PRIVILEGE BANKING DEPARTMENT
FOREIGN EXCHANGE DEPARTMENT
CREDIT DEPARTMENT
ACCOUNTS DEPARTMENT
IT DEPARTMENT
ACCOUNT OPENING DEPARTMENT
FUNCTIONS
TYPES OF ACCOUNTS
ACCOUNT OF GENERAL CUSTOMERS
ACCOUNTS OF SPECIAL CUSTOMER
CURRENT ACCOUNT (CD)
Either or survivor:
SAVING ACCOUNT
BASIC BANKING ACCOUNT (BBA)
ASKARI SPECIAL DEPOSIT ACCOUNT (ASDA)
ACCOUNT OPENING REQUIREMENTS
FOR PROPRETORY COMPANY
FOR PARTNERSHIP COMPANY
PUBLIC & PRIVATE COMPANY
ACCOUNT OPENING PROCEDURE
Account Opening Form (AOF)
Introduction of Accounts
NATIONAL IDENTITY CARD
SPECIMEN SIGNATURE CARD (SS CARD)
UNDERTAKING FORMS
SIGN DIFFER FORM
VERNACULAR FORM
LETTER OF THANKS
HIGH RISK ACCOUNT
ISSUANCE OF CHEQUE BOOK
ACCOUNTS NOT IN USE
DORMANT ACCOUNTS
INACTIVE ACCOUNT
CLOSURE OF ACCOUNT
REMITTANCE DEPARTMENT
Functions
INSTRUMENTS OF THE REMITTANCES DEPARTMENTS
DEMAND DRAFT
AMOUNT CHARGES
PO ISSUE
At day end:
After presentation:
INTERCITY CLEARING
OUTWARD BILLS FOR COLLECTION
CALL DEPOST RECEIPT
On approval of contractor¶ request
On rejection of CDR
TRAVELERS CHEQUES
CASH DEPARTMENT
CLEARING DEPARTMENT
INWARD CLEARING
At day end when returns are received:
OUTWARD CLEARING
PREVILDGE BANKING DEPARTMENT
ONLINE BANKING
Rent
Size charges (Rs.)
PURCHASE
Size charges (Rs.)
FOREIGN EXCHANGE/FOREIGN TRADE DEPARTMENT
FOREIGN CURRENCY ACCOUNT
FOREIGN REMITTANCE
FOREIGN DEMAND DRAFT
FOREIGN TELEGRAPH TRANSFER
LETTER OF CREDIT (L/C)
PARTIES INVOLVED
TYPES OF L/C
IRREVOCABLE L/C
CONFIRMED L/C
SIGHT L/C
USANCE L/C
PROCEDURE FOR OPENING OF L/C
RCAD (Regional credit administration department)
CFTU (centralized foreign trade unit)
L/C LODGEMENT
PERFORMA INVOICE
INDENT FORM
IB8
COUTRY OF ORIGIN
I-FORM/IMPORT FORM
CREDIT REPORT
SWIFT (society for worldwide interbank financial telecommunication)
HS CODE (Harmonized system code)
CREDIT LIMIT
TRANSPORTATION DOCUMENT
FORMAT OF L/C
ENTERIES IN LODGEMENT
CREDIT ADMINISTRATION
CREDIT APPRAISAL
A. FUNDED FACILITY
I. RUNNING FINANCE
II. CASH FINANCE
III. TERM FINANCE
CATEGORIES OF TERM FINANCE
FINANCING
LEASING
IV. STAFF FINANCE
V. TRADE FINANCE
IMPORT RELATED FINANCE
Finance Against Packing Credit
Pre Shipment Finance Part I
Pre Shipment Finance Part 2
Post Shipment Finances
B. NON-FUNDED FACILITY
LETTER OF GUARANTEE (LG)
ACCOUNTS OFFICER: MR. BARAK ULLAH
INCHARGE OFFICER: MR. BURHAN AHMED
DETAIL DESCRIPTION OF THE SKILLS ACQUIRED DURING
INTERNSHIP
DEPARTMENT NAME: ACCOUNTS
MODES OF POSTING
ACCCOUNT OPENING DEPARTMENT
REMITTANCE SECTION
REMITTANCE FORM CONTAINS THE FOLLOWING INFORMATION
DEMAND DRAFT
PROCEDURE OF ISSUANCE OF DD
CANCELLATION OF DD
PAY ORDER
PROCEDURE FOR ISSUANCE
CLEARING SECTION
REASONS FOR REJECTING A CHEQUE
CLEARING STAMPS
y Clearing stamp
y Payee¶s A/c Credited
CUSTOMER DEALING SECTION
CHEQUE BOOK PROCEDURE
Form A
REQUISITION SLIP
FORM B
ATM CARD PROCEDURE
BANK STATEMENT
ASKARI MAHANA BACHAT ACCOUNT (AMBA)
TDR
LOCKERS
Any one
Jointly
Either or survivor
SWOT ANALYSIS
STRENGTHS
WEAKNESSES
OPPORTUNITIES
THREATS
FINANCIAL RATIOS
PROFITABILTY RATIOS
EARNING PER SHARE
Profit after taxation
E.P.S !
Weighted average no. of share
Net profit
Share holder¶s equity
Return on Investment
Total assets
Net profit Margin
Net profit earned
Interest earned
Interest
Operating Income Margin
Operating income
Operating
Income
MARKET RATIOS
PRICE EARNINGS RATIO
PRICE EARNING RATIO !
EPS
INTERPRETATION
DIVIDEND PER SHARE
D.P.S !
DIVIDEND PAYOUT RATIO
DPS
DIVIDEND PAYOUT RATIO !
Dividend Yield Ratio
DIVIDEND YIELD RATIO !
SHARE PRICE
Dividend Yield
LIQUIDITY RATIO
CURRENT RATIO
Current assets
CURRENT RATIO !
Current liabilities
YEAR CURRENT
CURRENT
Advance to Deposits
Advance
Deposit
Year Advance Deposits Advance to deposits
Admin Expenses to Total Deposits
Admin expenses
Admin Expenses to to deposit ! × 100
Total Deposit
Expense on
Admin Expense to Total
Deposits
Non interest income
Non Interest Income to Total Assets!
RISK ASSETS TURNOVER
Net interest income
RISK ASSETS TURNOVER ! ×100
Risk assets (advances)
Net mark-up /
PORTFOLIO MANAGEMENT RATIO
Advances to Total Assets
Advances
Advances to Total Asset !
EBIT
Interest charged
Asset
CONCLUSIONS
RECOMMENDATIONS
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askari

askari

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Published by: umar on Mar 07, 2011
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