Preface

The purpose of writing this report is to explain and evaluate my internship. It consists of several parts which include history of the ABL, its introduction, Mission, Vision and objectives of the ABL, organizational structure, divisions and departments, performance of ABL, the work I've learnt there, SWOT and Financial Analysis and after that the brief conclusion and suggestions for the ABL.

When I had to choose the organization for my internship, my priority was a banking organization. Banking is an essenial of an economy and specifically for the student of Finance. The modern day banking is way more advanced and fast than the traditional system. It provides opportunity to learn how to manage your tasks within the constraints of time.

At ABL I was provided with opportunity to deal with real time work, the banking mechanism, functions and operations. It was an amazing experience working there with a cooperative staff and I'd so much to learn in these few weeks.

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Acknowledgement
"Praise be to Allah, Lord of the Worlds, The Beneficent, the Merciful."

All acclamations are to Allah, the most Merciful and Compassionate, who has empowered and enabled me to accomplish this task successfully. After that I submit my earnest thank to my affectionate parents, who pray for my success and always been a source of encouragement for me. Secondly, I am grateful to my prestigious institute that made this learning opportunity a part of my education, espedally I would like to thank my Professors as the knowledge imparted by them enable me to gain knowledge and learning exposure of the organization in the best way. Also I express my appreciation to all staff members of Allied Bank

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” The Islamia University of Bahawalpur 4 .Dedication “ I dedicate this report to my parents. teachers and friends who supported me through everything and encouraged me to write an s are my experience in internship.

Internship Letter The Islamia University of Bahawalpur 5 .

18 Values and Objectives…………………………………………………………......……….........7 Banking in Pakistan……………………………………………………………......2 Dedication………………………………………………………………………3 Internship letter…………………………………………………………………4 Table of contents………………………………………………………………....5 Executive summary……………………………………………………………....Table of Contents Preface…………………………………………………………………………1 Acknowledgement…………………………………………………………….....................21 Learning at Branch………………………………………………………………22 Performance Highlights………………………………………………………….17 Mission…………………………………………………………………………...........20 Organizational Structure………………………………………………....28 Ratio Analysis…………………………………………………………………...................34 The Islamia University of Bahawalpur 6 ...........8 History of Allied Bank.......19 Board of Directors………………………………………………………………..12 Vision…………………………………………………………………………..

57 References…………………………………………………………………………58 The Islamia University of Bahawalpur 7 ...44 Suggestions…………………………………………………………………….47 Conclusion……………………………………………………………………….48 Annexure………………………………………………………………………….SWOT Analysis…………………………………………………………………...

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During my internship I learnt about Banking. This was all I could learn being an internee due to some restrictions.Cs and Pay orders. Lord of the Worlds. The Islamia University of Bahawalpur 9 .I started with slips and ended up with vouching and making R. procedures and how things work there. My name is Asifa khan and I did my BBA from The Islamia University of Bahawalpur . the Merciful.T. Internship is a practical experience of 6-8 weeks which is mandatory for every individual pursuing BBA degree. The staff at ABL was kind enough to accommodate me and teach me with their work.Executive Summary Praise be to Allah. It was quite a good experience working there in real environment. The Beneficent. Therefore I applied for the internship and got a chance to work in Allied Bank Limited . .

Due to efforts of govt. Habib bank limited and Muslim commercial bank were established just few months before independence. in Calcutta. drafts.1948 and as for as take over of the management of the public debts and exchange control from thereserve bank of India are concern will be made on April 1. 1948. When Pakistan came into being then it was decided that reserve bank ofIndia would continue in working in Pakistan until September 30. Habib bank was established in early 1947 in Bombay while Muslim commercial bank was established n July 1947. orders of otherwise and includes any post office saving Bank". national bank of The Islamia University of Bahawalpur 10 . Priests and goldsmiths acted as financial agents by keeping money and valuables of people in temples in strong safes. of Pakistan and keen interest of Mr. History of Banking is traced to 2000 B.Banking in Pakistan Bank is derived form Bancus or Banque it is Italian word. for the pirpose of lending or investment of deposits and withdrawals by Cheque. Thus the first stage in thedevelopment of modern banking thus was accepting of deposits of cash from those who had surplus money with them. After one year of the creation of State bank ofl'akistan. most of the banking business was inthe hands of Hindus of British people and only two banks. in November 1949.C in Greece. What is Banking Company? Section 5 of banking ordinance 1962 says that "Banker means a person transacting the business of accepting. A Brief History of Banking in Pakistan: In subcontinent. 1948. before independence. Muhammad Ali Jinnah the creation of state bank of Pakistan was done July 1.

The main purpose of which 1 was to act as an agent of state bank of Pakistan. Exchange Banks 4. Co-operative Banks 5. Quetta. The Islamia University of Bahawalpur 11 .I. Gujranwala.Khan. Faisalabad. Peshawar. Saving Banks 6. Multan. Industrial banks 1. Commercial Banks 3. Sukkur. Islamabad. These banks are authorized to carryon all the banking business. Rawalpindi.Pakistan was established in Dacca (east Pakistan). STATE BANK OF PAKISTAN: SBP is functioning as the Central Bank of country with its offices at Karachi. Agricultural banks 7. 2. Banking Organizations in Pakistan 1. Sialkot. Lahore. commerce and industry. COMMERCIAL BANKS: Commercial banks have been the most effective mobilizers of saving and have been providing short-term requirements of working capital of trade. State Bank of Pakistan (central bank) 2. Hyderabad and Bahawalpur. So far twelve Banks have been established in private sector and they have been allowed to open five branches each in various parts of the countryinitially but provisions exist for their future expansion. D.

I accept deposits from public and invest them in various Government projects. EXCHANGE BANKS: Foreign banks other than Indian banks have been commonly known as Exchange Bank's due to the fact that prior independence foreign banks the Indo-Pakistan sub-continent were engaged primarily in the finance foreign trade. therefore. they also make long term advances for buying tractors and introduing modern technologies in the farming. The Islamia University of Bahawalpur 12 .3. COOPERATIVE BANKS: Cooperative banks are and integral part of the cooperative movement which aims at the promotion of thrift. 5. Post Office Savings Bank wholly controlled by the Government of Pakistan. 6. 4. Its operation.e. Post Office Savings Bank. better business and better methods of production etc.. and Natioral saving scheme. manure. self-helped mutual aid amongst agriculturists and others with common economic needs so as to bring about better living. Now it is named as Zarai traqiati bank limited. etc. In Pakistan Agricultural Development Bank of Pakistan was set up in 1981 to meet the financial requirement of agriculture. The agricultural banks provide short-term credit to the farmers for the purchase of seed. is very limited. AGRICULTURAL BANKS: Agricultural banks are set up to provide the financial assistance to the agriculturist. SAVINGS BANK: There is only two Savings Banks in Pakistan i.

The other institutions engaged in financing financial assistance to industries arePICIC. The Islamia University of Bahawalpur 13 . INDUSTRIAL BANKS: The industrial banks provide long-term credit to the industries. so they are in position to permit longterm investment in industries. etc.7. Since the industrial banks have long-term deposits. ICP. In Pakistan the Industrial Development Bank (IDBP) set up in 1961. NDFC.

which was to become Pakistan in December 1942. He decided to step-up to that challenge and take the lead in establishing this first Muslim bank by the name Australasia Bank Limited in Punjab. trade and commerce and were especially dominating in the Sub-continent area. Pre-Independence History (1942 . 13 billion. 325 billion and total assets exceed Rs. 0. was the exclusive forte of Hindus and it was popularly and wrongly believed that Muslims were temperamentally unsuited for this profession. Banking. The Islamia University of Bahawalpur 14 . 0.History Overview: Allied Bank was the first Muslim bank to have been established in Pakistan. Allied Bank's paid up Capital & Reserves exceed Rs. It was particularly upsetting for Khawaja Bashir Bux to hear that "Muslims could not be successful bankers". in particular. deposits exceed Rs. the Bank attracted deposits equivalent to Rs. Today.431 million in its first eighteen months of business. 418 billion.12 million under the Chairmanship of Khawaja Bashir Bux. Hindus had established a commanding presence in the areas of industry.1947): In the early 1940s. Since the late 1880s. Established in December 1942 as the Australasia Bank in Lahore with a paid-up share capital of Rs. the Muslim community was beginning to realize the need for its active participation in the fields of trade and industry.

s. Rawalpindi. •• ur. But the Bank did well despite losing a lot of its asset s and by the end of 1973 had 186 branches in West Pakistan. New branches were opened in Karachi." Australasia Bank (1947-1974): However.12 million. (Amritsar. Despite the difficult conditions prevailing and me substantial set back in the Bank's business in India. Peshawar. The Islamia University of Bahawalpur 15 . Jalandhar. 1947.5 million by the end of the first year of operation. it was severely hit by the riots in East Punjub. Unfortunately.a» wac closed down. played un imporant role in maintaining consumer supplies during the early months of 1948 affected by riots. AI the time of independence:" all the branches in India. Australasia Bank made a profit of R. 0.673 million and deposits raised to Rs 7. Later. "Australasia Bank was the only fully operational Muslim bank in Pakistan on August 14th. Gujrunwala and Ka. 50.728 million. 0. Jhang. Butala. it lost SI brunches in the separation of East Pakistan.The initial equity of the Bank amounted to Rs 0. By the end of 1910 it had )01 bmncbes. and by the end of 30th June 1947 capital increased to Rs.000 during 1941-48. Ludhiana. The Bank was identified with the Pakistan Movement. Sargodha. which was raised to Rs. Sialkot. Delhi and Angra (As. the network spread 10 Mullan and Queue as well. The Bank financed trade in cloth and food grains thus.

and became the world's fir.038 billion. Alled Bank became one of the premia financial institution.Allied Bank (1974to 1991): In 1914. Allied Bank entered a new phase. 12 billion during this period. 116 new branches were opened during 1974 and the Bank started participating in the Government's spot procurement agriculture program. s of Pakistan. 1080 million for the first lime in the banking hL s tory. Allied Bunk's capital and reserves WCTe Rs. Allied Bank (1991 to 2004): A s a result of privatization in September 1991. the Board of Directors of Australasia Bank was dissolved and was renamed Allied Bunk. Investments rose by 72 percent and advances exceeded Rs. 10 million. Brooches increased from 353 in 1974 to 748 in 1991. 1.525 billion.536 billion and deposits to Rs.46 billion.tt Allied Bank Modaraba" (FABM) was floated. deposits rose by over SO perc-ent and approached Rs. s. and Advances & Investments from Rs. Allied Bank enjoyed an enviable position in Pakistan's financial sector and was s recognized as one of the best amongst the major banks of the country.K. its assets amounted to Rs. The first year was highly successful: profit exceeded Rs. In 1993 the -Fir.tt bank to be owned and managed by its employees. It also opened three branches in the U. 1. Deposits rose from R. The Islamia University of Bahawalpur 16 . 1. Those seventeen years saw a rapd growth for the Bunk. 87. After privatization. 1460 million. 76.34 billion to Rs.

ABL was formally listed and the Bank's share trading begun on the following dates: The Islamia University of Bahawalpur 17 . the Bank's ownership was transferred to a consortium comprising Ibrahim Leasing Limited and IbruhimGroup. •• et and deposit base and the ability to offer customers universal banking services with morc foc-us on retail banking. Today the Bank stands on a solid foundation of over 63 years of its existence having a strong equity. network of more than 700 branches. TheB a nk has the largest netwcek of online beancbes m Pakistan and offers various technclcgybased products and services to its diverse clientele through ilo. Allied Bank (2005 to date): In May 2005. The bank has the largest network of online branches in Pakistan and offers various technology based products and services to its diversified clientele through its net w oek of more than 700 branches. In August 2004 as a result of capital reccnstrucricn. as a result of capital reconstruction. assets and deposits base offering universal banking ses v ice with higher focus on retail banking. the Bank stands on a solid foundation built over 63 years of hurd w ock and dedication.In August 2004. the Bank's ovnership w as tmns s ferred to a consortium comprising Ibrahim Leasing Limited and Ibrahim Group. an as. Today. An application for the listing of ABL shares in all the Stoc-k Exchange Companies of Pakistan was made. ALL the shareholders were issued ABL shares instead of the tall shares held by rhem. giving it a strong equity. Ibrahim leasing Limited dissolved and the company was vested into Allied Bank Limited.

139 employees and financial assets of Pak Rupees 234 billion. all Allied Bank Limited shareholders can trade in the Bank's shares at their will. The Islamia University of Bahawalpur 18 . settled in Faisalabad after partition of India in 1947 and re-established his ancestral business of cloth trading by the name of "Ibrahim Agencies". founder of the Ibralim Group. Consortium of Ibrahim Leasing Limited. Management and control of the Bank was handed over to Ibrahim Group on August 19.2004. Under the scheme of reconstruction proposed by State Bank of Pakistan. Late Haji Sheikh Mohammad Ibrahim. Allied Bank has more than 742 branches across the country with 7. At present Ibrahim Group is holding more than 80% shareholding of this bank One of the top five banks of Pakistan. What is known in business today as Ibrahim Group with diversified business interests from Spinnirg to PSF. The Group plans to inject its own dynamism and energy in the bank to turn it into a premier financial institution of the country. Financial Institutions to Banking and Energy. started off as a mere cloth trading agency just half a century ago.Islamabad Stock Exchange Lahore Stoc-k Exchange Karachi Stock Exchange 8th August 2005 10th AUb'ust200S 17th August 2005 Today. After the acquisition of the bank Ibrahim Leasing Limited has been merged into Allied Bank limited. Ibrahim Group and its sponsors acquired more than 75% of the shareholding of Allied Bank of Pakistan Limited. Allied Bank and Ibrahim Group: The group started with a cloth trading business in the industrial city of Faisalabad.

” The Islamia University of Bahawalpur 19 .Vision “ To become a dynamic and efficient bankproviding integrated. . solutions and the first choice of bank for all customers.

 To playa proactive role in contributing towards the society The Islamia University of Bahawalpur 20 .Mission  To provide value-added services to our customers  To provide high-tech innovative solutions to meet customer requirements  To create sustainable value thrrugh growth. and reward dedicated team members. efficiency and diversity for all stakeholders  To provide a challenging work environment.

Values & Objective Values:  Integrity  Excellence in Service .:.:. To provide superior services to its customers  To provide assistance in the development of the commerce and trade industry  Focus on blending skills and experience towards creating an enabling environment  Core focus is to inculcate a culture of collaboration intended to deliver world class customer service The Islamia University of Bahawalpur 21 . High Performance  Innovation and Growth Objectives: Allied Bank has following objectives:  Prime focus to earn profit by providing values to its customers .

Akbar Sharifzada Mr. Sherwani Mr. mubishar A.Akhtar Mr. the pioneers of prosperity and world of wisdom that paves the path to long term success" Mr. Pervaiz Iqbal Butt Chairman President & (CEO) Director Director Director Director Director The Islamia University of Bahawalpur 22 .Sheikh Mukhtar Ahmad Mr. Khalid A.Board of Directors The people who draw the picture of the organization on the broader canvas of strategy and planning. Khalid Naeem Mukhtar Mr.Abdul Aziz Khan Mr.

Organizational Structure The Islamia University of Bahawalpur 23 .

Learning at Branch
I did my internship at Allied Bank Ahamadpur East.. The internship was started on 1st week of July to 31st August 2012. During my internship I did learn a lot about Banking and staff was very much cooperative and friendly. They never hesitated to answer my silly questions as well. I will log here what I did learn from working in branch. Deposit SLIPS The first thing which 1 was told to do was to fill a slip for a customer. I found that there are three types of slips.    Current Account Deposit Slip PLS Account Deposit Slip Online Funds Transfer] Slip

A deposit slip is a printed form which accompanies bank deposits. The depositor fills out the deposit slip to indicate what types of funds are being deposited and which account they should be deposited into. Deposit slips are used by a bank to keep track of the money deposited over the course of a business day, and to ensure that no fundsslip through the cracks. For bank clients, a deposit slip offers a form of protection, indicating that funds were counted and accepted by the baik. If the deposit is processed improperly, the deposit slip will provide a paper trail. It is a documented evidence for the Audit team as well.

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A slip carries two parts, both are filled by Date, NC holder name, NC number and deposit type with amount in figures and words. On successful transaction, one half is returned to the customer as a documentary proof and other is kept for Bank Record. Online funds transfer slip is slightly different from others; as the remote branch code, account number and title are mentioned where the funds are to be transferred. It is used for Allied Bank branches all over the Pakistan. The photocopy of CNIC is must to be attached with Online Funds Transfer slip.

Allied Xpress Funds Transfer:
Allied express is a facility for the foreign residents to send money in Pakistan. The Allied Xpress Funds Transfer form, shortly known as Xpress form, carries the information about the Beneficiary. The original CN IC is seen by the officer and a copy is attached to the form for the authentication of the recipient. The form contains Transaction I D and Pseudo code for the reference of the Bank. The form is retained by the bank and payment is issued to the customer.

Account Opening:
The most exciting part of my internship was to learn about various types of accounts and what documents are necessary for a particular account. The madam was kind enough to not only guide me but also allow me to open accounts for couple of customers.

The ABL, Ahmadpur East, deals with all the accounts which ABL offers but in common practices following types of accounts are usually used. The Islamia University of Bahawalpur
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     

Savings Account Business Account Salary Account Basic Banking Account Partnership Account Foreign Currency Account

Basically there are two basic account natures, Current Account and Savings Account. Other types are just further extension of above mentioned accounts.

Business Account:
A business account is one for the entrepreneurs or business owners. This is a single account and needs a proof of the business as Letter head Pad. It carries the features of a Current account which has been mentioned in detail.

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A nature. It is most likely used by students and salaried individual The Islamia University of Bahawalpur 27 .Salary Account: A salary account is for the employees and it's of B.B.B.A natured account. They have to provide the proof of their land as Jamabandi. A salary account is also a B. Usually people related to fanning or agriculture owns such accounts. A salary slip or a job certificate from the employer will do the work. Current Account: A simple current account is one which is not Business. Partnership Account: A partnership account is hold by two or more persons. partnership or salary. A documentary proof of employment has to be provided in order to open this account.A account is one with no minimum deposit restrictions. It is a joint account which is operated by either all partners or one on the behalf of others. It is mostly opened for Partnership business for which a partnership deed has to be provided.B. Basic Banking Account: A Basic Banking Account or simply a B.

There is a restriction on the currency which is being opted for account. Pay Orders and Demand Drafts: A Pay Order is issued when payment has to be made to someone within the city. A customer can have a pay order in name of particular party which is payable on demand When a pay order is issued for outside city. A demand draft Same as pay order. A Pay Order is in the name of particular account holder and it is always payee only. Allied Bank issues pay order for any type of payment in expense of branch. For example.Foreign Currency Account: A foreign currency account can be opened either of Current of Savings nature. if you have a dollar account then you must make all transactions in dollars. no transaction in Rupees or other currency is allowed. The Islamia University of Bahawalpur 28 . it becomes a demand draft.

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The Islamia University of Bahawalpur 33 .1.8% Graph: 35.00% 25.00% 15.5% .00% 30. Return on equity measures a corporation's profitability by revealing how much profit a company generates with the money shareholders have invested. Return on Equity What is Return on Equity? The amount of net income returned as a percentage of shareholders equity. 28.00% 5.00% 20. Formula: ROE = Net Income After Tax Shareholder Equity Table: 2010 Return on equity.00% 0.00% 10.00% years 2010 2011 2011 2011 29.

01 0.025 0.02 0.005 0 years 2010 2011 2011 2. ROA is displayed as a percentage. Calculated by dividing a company's annual earnings by its total assets.89% Graph: 0.10% The Islamia University of Bahawalpur 34 .ROA gives an idea as to how efficient management is at using its assets to generate earnings.2. Formula: ROA = Net Income Average Total Assets Table: 2010 Return on assets 1.015 0. Return on Assets What is Return on Assets? An indicator of how profitable a company is relative to its total assets.

25.7% The Islamia University of Bahawalpur 35 . otherwise any increase in borrowing will reduce shareholders' earnings.15 0.1 0. Formula: EBIT Capital Employed Table: 2010 Return on capital employed.2 0.6% Graph: 0.25 0.05 0 years 2010 2011 ROCE = 2011 26. Return on Capital Employed What is Return on Capital Employed? A ratio that indicates the efficiency and profitability of a company's capital investments ROCE should always be higher than the rate at which the company borrows.3.3 0.

8 0.6 0.2 0.1 0 years 2010 2011 Loan to Deposit Ratio = Table: 2011 61.2% The Islamia University of Bahawalpur 36 . Formula: Loans Deposits 2010 Loan deposit ratio.7 0. otherwise any increase in borrowing will reduce shareholders' earnings.4. Loan to Deposit Ratio What is Loan to Deposit Ratio? A ratio that indicates the efficiency and profitability of a company's capital investments ROCE should always be higher than the rate at which the company borrows.3 0.2% Graph: 0.5 0.4 0. 68.

2 0.35 0.05 0 years 2010 2011 The Islamia University of Bahawalpur 37 . That helps to determine whether more or less cost was involved in generating that revenue.25 0.3 0.15 0. Formula: Operating Expense / Gross Income Table: 2010 Cost to revenue ratio.6% 0.5.45 0. Cost to Revenue Ratio What is Cost to Revenue Ratio? Cost to revenue ratio depicts that how much cost is in percentage to the revenue.8% Graph: 2011 42. 40.1 0.4 0.

00% 12. required to cover overheads (fixed commitments) and provide a buffer for unknown items.00% 10. Gross Profit Margin What is Gross Profit Margin? The amount of contribution to the business enterprise.00% 4.00% 2.cost of revenue)/Revenue Table: 2010 Gross profit margin 15% Graph: 16. Formula: Gross Profit Margin = (Revenue .00% 6. after paying for directfixed and direct-variable unit costs.00% 8.6.00% 14.00% 0.00% years 2010 2011 2011 14% Interpretation: The Islamia University of Bahawalpur 38 .

00% years 2010 2011 2011 6. it can be measured as either before-tax or after-tax returns.00% 1. 6.00% 6. which also includes the cost of equity.00% 3. Formula: (Risk free Return + credit risk rate)(l-Tax) Table: 2010 Weighted average cost of debt.00% 4. This is one part of the company's capital structure. the after tax cost is seen most often. because interest expense is deductible.00% 5.13% 7.00% 0.7.35% Interpretation: The Islamia University of Bahawalpur 39 . Weighted Average Cost of Debt What is Weighted Average Cost of Debt? The effective rate that a company pays on its current debt.00% 2. however.

I n the simplest formulation. a bank's capital is the "cushion" for potential losses.04 0.84% Graph: 0.53% Interpretation: The Islamia University of Bahawalpur 40 . etc. which protects the bank's depositors or other lenders.06 0. Formula: CAR = Table: 2010 Capital adequacy ratio 13.14 0.02 0 years 2010 2011 Tier 1 Capital + Tier 2 Capital Risk Weighted Assets 2011 13.16 0.12 0. Capital Adequacy Ratio What is Capital Adequacy Ratio? Capital adequacy ratio is the ratio which determines the capacity of the bank in terms of meeting the time liabilities and other] risks such as credit risk.8. operational risk.08 0.1 0.

08 0.1 0.02 0 years 2010 2011 Table: = 2011 11.The portion of a company's profit allocated to each outstanding share of common stock.04 0.12 0.14 0.9. Formula: Net Income – Dividends on Preferred Stock Average outstanding Shares 2010 Earnings per share 9. Earnings per share serve as an indicator of a company's profitability.06 0.79% Interpretation: The Islamia University of Bahawalpur 41 . Earnings per Share What is earning per Share? Earnings per share (EPS) are the earnings returned on the initial investment arnounr.56% Graph: 0.

00 0.04 0.10.01 0 years 2010 2011 Interpretation The Islamia University of Bahawalpur 42 . Formula: Dividend paid to equity shareholders / average No.05 0. of equity share holders Table: 2010 Dividend per share 4.03 0. Dividend per Share What is Dividend per Share? The DPS ratio is very similar to the EPS that shows what shareholders earned by way of profit for a period whereas DPS shows how much the shareholders were actually paid by way of dividends.00 Graph: 2011 5.06 0.02 0.

 High motivation level of employees not only strengthen the operations of he business but also the corporate level strategies and decision making works for the best interest of the shareholders and thus for the ABL itself. The employees are dedicated to their work as they know they are being paid off   Standard Operating Procedures helps all the branches to coordinate with central office in Karachi.  Online connectivity of all the Branches and ATM network also give ABL advantage over other banks. The sense of ownership increases the productivity of the organization and helps to build a sound foundation. All key areas are now centralized and over looked by central office.SWOT ANALYSIS Strengths: ABL has certain strengths which makes it distinct from other banks.  First Muslim bank of the world owned and managed by its own employees. The Islamia University of Bahawalpur 43 .  The salaries are reasonable enough to compete in the financial market.

A proper seating arrangement with news papers and magazines would definitely increase the efficiency.Weaknesses: During my work there I've found these weaknesses in the ABL structure.  ABL can approach government for the disbursement of funds to flood affected areas with help of it's widely spread branch network.  ABL hasn't focused on advertisement as such. they are using traditional methods and it's really hard to retain the existing customers without proper advertisement campaigns about new products and services.  ABL hasn't put much attention on the interior and facilities of the customer. With today's fast going life it's really difficult for a customer to stand in a queue.  While a customer is waiting for his turn. The Islamia University of Bahawalpur 44 .   The flood effected population needs financial support and small loans to those people will not only help ABL to increase their business but also avail a good chance of developing goodwill. he has nothing to do there. Thee are few proper seating arrangements.

The borrowing capacity of the people is decreasing and inflation has declined the rupee value. ABL with all its strengths can make most out of it and play its character in the rehabilitation of the economy.  The current economical situation of the country has possess a threat to financial sector on the whole. The Islamia University of Bahawalpur 45 . If ABL don't pay much attention to its competitors and improve and enhance its infrastructure to meet with current demands they certainly will lack.  The flood effected population needs financial support and small loans to those people will not only help ABL to increase their business but also avail a good chance of developing goodwill. ABL can avail these opportunities to make most out of it.  After current economical situation government has made new policies regarding financial sector.  New international Bank with state of the art technologies and better infrastructure are certainly a threat for ABL in near future. People are mostly interested in gold and real estate rather investing in financial assets. The BOD needs to make policies best in the interest of shareholders and bank itself by complying with government regulations.  Political influence is always a major threat to any organization.Threats: The following threats are present in the market for ABL.

 ABL can approach government for the disbursement of funds to flood affected areas with help of it's widely spread branch network. The Islamia University of Bahawalpur 46 .

Suggestions The Islamia University of Bahawalpur 47 .

Conclusion The Islamia University of Bahawalpur 48 .

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Annexure Internship letter from Bank Current Account Deposit Slip PLS Account Deposit Slip Allied Xpress Schedule The Islamia University of Bahawalpur 65 .

abl.com Wikipedia in Vestopedia The Islamia University of Bahawalpur 66 .References www.

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