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Amjad SB Allied Bank Report

Amjad SB Allied Bank Report

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Published by: alirazaansari_0308 on Aug 01, 2011
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Contents
Contents ..........................................................................................................................1OBJECTIVES OF STUDYING THE ORGANIZATION .............................................8ACHIEVEMENTS BY STUDY THIS ORGANIZATION ..................................... 9ORIGIN AND GROWTH OF BANKING: ................................................................. 10INTRODUCING BANKING: ................................................................................. 10Modern Banking: ..................................................................................................... 11OVERVIEW OF PAKISTAN’S BANKING SECTOR: ......................................... 13ISLAMIC BANKING .............................................................................................. 14FINANCIAL IMPACT ............................................................................................ 15BRIEF HISTORY OF ALLID BANK .......................................................................17The Pre Independence Period (1942-1947) .............................................................. 17Australasia Bank (1947-1973) ................................................................................. 18Allied Bank of Pakistan Limited (1974-1991) ......................................................... 20Allied Bank Limited (1991 to 2005) ........................................................................ 21Allied Bank Limited (2006 to Date) ........................................................................ 22 NATURE OF THE ORGANIZATION AND BUSINESS ACTIVITIES .............. 23BUSINESS VOLUME OF LAST FIVE YEARS .................................................... 24 NUMBER OF EMPLOYEES BY CADRE VISE BREAK UP ............................ 24PRODUCTS / SERVICES OFFERED BY ALLIED BANK .....................................24DEPOSITS .............................................................................................................. 25Current Deposit Account ..........................................................................................25Salient Features .................................................................................................... 25Purpose ................................................................................................................. 26Deposit of Funds .................................................................................................. 26Mark-Up ............................................................................................................... 26PLS Saving Deposit Account ................................................................................... 26Additional Benefits ............................................................................................. 26Minimum & Maximum Balance .......................................................................... 26Deposit of Funds .................................................................................................. 27Profit .....................................................................................................................27Foreign Currency Deposit Account ..........................................................................27Allied Business Account .......................................................................................... 28Allied Basic Banking Account (ABBA) ................................................................. 28Allied Bachat Scheme (ABS) ...................................................................................29Behtar Munafa Account (BMA) ............................................................................. 30Salient Features .................................................................................................... 30Behtar Munafa Term Deposit Account .................................................................... 31Salient Features .................................................................................................... 32Rewarding Term Deposit Account .......................................................................32Salient Features ................................................................................................... 32Rate of Profit ...................................................................................................... 33Allied Munafa Account (AMA) ............................................................................... 33Monthly Profit Plus ................................................................................................. 33Salient Features .................................................................................................... 34Allied E-Savers Accounts (ESA) ............................................................................. 34Salient Features .................................................................................................... 35Foreign Deposits Schemes ....................................................................................... 351
 
Saving Accounts .......................................................................................................35Fixed deposit ............................................................................................................ 36Current Deposits .......................................................................................................36Rate of Interest ..................................................................................................... 36ALLIED VISA CREDIT CARD ............................................................................. 36Pioneer in Credit Cards ........................................................................................ 37Allied Visa Gold Credit Card ................................................................................... 37Visa Platinum Credit Card ...................................................................................... 37Features of Allied Visa Credit Card ..................................................................... 37Buy Now, Pay Later ............................................................................................. 37Flexible Repayment ..............................................................................................37Cash Advance Facility ......................................................................................... 38Balance Transfer Facility ..................................................................................... 38Supplementary Cards ........................................................................................... 38Allied Easy Installments (AEI) ................................................................................ 38Credit Protection Plus ...........................................................................................38Zero Loss Liability ............................................................................................... 3924-hour Allied Phone Banking .................................................................................39ALLIED CASH+ CARD ......................................................................................... 39How to Obtain: .................................................................................................... 40Activation Instructions ......................................................................................... 40How to Use: .........................................................................................................40Inserting the Card: ................................................................................................ 41Protect Your Card .................................................................................................41Features ................................................................................................................ 41Get Cash ............................................................................................................... 41 No Fee' ATMs ..................................................................................................... 41Shop Anywhere ................................................................................................... 42Dine Out ............................................................................................................... 42Enjoy Traveling ....................................................................................................42Fuel Up ................................................................................................................. 42Stay Alert ..............................................................................................................42Round-the-clock cash withdrawals ...................................................................... 43Balance Inquiry & Mini Statement of Account ....................................................43Utility Bill payment facility ................................................................................. 43Funds Transfer facility ......................................................................................... 43Card Facilities: .................................................................................................... 43ALLIED ATM NETWORK .................................................................................... 441 LINK NETWORK ............................................................................................ 44M NET NETWORK ............................................................................................44ONLINE BANKING ............................................................................................... 45INTERNET BANKING ........................................................................................... 46Simple and Convenient ....................................................................................... 46Secure and Faster Secured ...................................................................................4624 x 7 Access .......................................................................................................46HELPLINE ...........................................................................................................46LETTER OF CREDIT ................................................................................................. 47Parties Involved In a LC .......................................................................................... 48Types of L C ........................................................................................................482
 
Types of L C .............................................................................................................48Irrevocable LC ......................................................................................................48Revocable LC ....................................................................................................... 49Red Clause LC ..................................................................................................... 49Revolving LC ....................................................................................................... 49LOCKER FACILITY ...................................................................................................50Criteria for Acquisition of Locker ..........................................................................50Opening Farm .......................................................................................................51Security .................................................................................................................51Sizes of Lockers ................................................................................................... 51HOME REMITTANCES ........................................................................................ 51TRAVELER CHEQUES ......................................................................................... 52UTILITY SERVICES .............................................................................................. 52PAY ORDER ........................................................................................................... 53HAJ SERVICES .......................................................................................................53BANCASSURANCE ............................................................................................... 53I'LM (Child Education Plan) .................................................................................... 53Product Features and Benefits .................................................................................. 54Illustration ................................................................................................................ 54Anmol Rishtey (Marriage Savings Plan) ................................................................. 55Product Features and Benefits ..............................................................................55Illustration ............................................................................................................ 56ORGANIZATIONAL STRUCTURE OF ALLIED BANK ...................................... 57ORGANOGRAM ..................................................................................................... 57ORGANIZATIONAL STRUCTURE OF ABL 14 # CHUNGI ............................ 58BRANCH MULTAN ................................................................................ 58BRANCH FUNCTIONS AND RESPONSIBILITIES ............................................ 59General Banking ..................................................................................................59CURRENT DEPARTMENT .............................................................................. 60Account Opening ..................................................................................................61Procedure Of Account Opening ........................................................................... 61Types Of Account .................................................................................................... 62Individual Account .............................................................................................. 63Joint Account .......................................................................................................63Business Accounts ................................................................................................64Partnership Account ............................................................................................. 64Limited Company Account .................................................................................. 65Cheque Book Issuance ............................................................................................. 66Closing Of Account .................................................................................................67CASH DEPARTMENT ........................................................................................... 68Sources Of The Cash ................................................................................................ 68Deposits ............................................................................................................... 68Prize Bonds, Febcs, Ndscs Etc ............................................................................. 68Demand Draft And Telegraphic Transfer Commission ....................................... 68Function of Cash Department .............................................................................. 69Management Of Cash ...........................................................................................69Treatment Of Surplus Cash .................................................................................. 70Treatment Of Cash Deficit ................................................................................... 70Cash In Transit ..................................................................................................... 71Insurance Of Cash ................................................................................................ 713

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