MANAGEMENT INFORMATION SYSTEM

Submitted By :Abubakar Tariq

Hamza Kamran
Ghulam Mohiudin
Shk Junaid
Ali Hassan

(0057)
(0069)
(0039)
(101)
(0064)

Class& Section: BBA 2B

Submitted to: Sir Naukhaiz

Organization Name: Allied bank:

Acknowledgement:
All praises to Allah Almighty who guided us for the completion of our project phase 4 and
helped us in making it possible successfully we are very much thankful to our respected
teacher Sir Naukhaiz for guiding us to choose this project.

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Contents
Acknowledgement:......................................................................................1
Introduction to Information Management System:-.....................................3
Introduction to Bank:-...............................................................................3
Vision:......................................................................................................3
Mission:....................................................................................................3
Core Values..............................................................................................3
Company History:.....................................................................................4
Reason for selecting Allied Bank:.............................................................4
Information System in Allied Bank Limited:..............................................4
Old Management Information System in Allied Bank:..............................4
Present Information System in Allied bank:..............................................5
Management overview:............................................................................5
Management Information System:...........................................................5
OPPORTUNITIES........................................................................................6
Competitive advantage:...........................................................................7
New Customer Identification:................................................................7
Employees Record:...............................................................................7
Real time Banking:................................................................................8
Automated Teller Machine Card (ATM Card):.........................................8
Management Information System after TPS:............................................9
Internet banking and mobile banking:................................................10
Hardware and software used by Allied bank:.........................................13
Staff Development & Training Division:..................................................16
QUICK TRANSACTIONS...........................................................................17
REFERENCES..........................................................................................18

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Introduction to Information Management System:A management information system (MIS) is a computerized database of financial information
organized and programmed in such a way that it produces regular reports on operations for
every level of management in a company. It is usually also possible to obtain special reports
from the system easily. The main purpose of the MIS is to give managers feedback about
their own performance; top management can monitor the company as a whole. Information
displayed by the MIS typically shows "actual" data over against "planned" results and results
from a year before; thus it measures progress against goals. The MIS receives data from
company units and functions. Some of the data are collected automatically from computerlinked check-out counters; others are keyed in at periodic intervals. Routine reports are
preprogrammed and run at intervals or on demand while others are obtained using built-in
query languages; display functions built into the system are used by managers to check on
status at desk-side computers connected to the MIS by networks. Many sophisticated systems
also monitor and display the performance of the company's stock.

Introduction to Bank:Allied Bank Limited was the first bank to be established in Pakistan. The Bank started out in
Lahore by the name Australasia Bank before independence in 1942; and became Allied Bank
of Pakistan in 1974. In August 2004, because of capital reconstruction, the Banks ownership
was transferred to a consortium comprising Ibrahim Group; therefore, it was renamed as
Allied Bank Limited in 2005. Today, with its existence of over 70 years, the Bank has built
itself a foundation with a strong equity, assets and deposit base. It offers universal banking
services, while placing major emphasis on retail banking. The Bank has a large network of
1000 online branches and over 850 ATMs in Pakistan and offers various technology-based
products and services to its different business. Allied Bank Limited operates by the following
Vision, Mission & Values:

Vision:
To become a dynamic and efficient bank providing integrated solutions in order to be the first
choice bank for the customers.

Mission:

To provide value-added services to our customers.

To provide high-tech innovative solutions to meet customers requirements.
To create sustainable value through growth, efficiency and diversity for all
stakeholders.
To provide a challenging work environment and reward dedicated team members
according to their abilities and performance.
To play a proactive role in contributing towards the society.

Core Values

Integrity
Excellence in Service
High Performance
Innovation and Growth

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Company History:
Under the leadership of chairman Khawaja Bashir Bux the Bank was established in
December 1942 as the Australasia Bank at Lahore with the paid at service at Lahore with a
paid up share capital of Paki Rs 0.12 million and his business associates including abdul
rehman malik who was amongst the board of director the bank has attrached deposits
equivalent to Pkr 0.431 million in its first 18 months of business. Total assets then amounted
to Pk 0.572 million.

Reason for selecting Allied Bank:

Reason of selecting Allied Bank is that, it is one of the leading bank in Pakistan with
international standards and which keeps on innovating and secondly because we have a
reference in this organization which help us in extracting the required information in this
project more easily and without much difficulty.

Information System in Allied Bank Limited:

Allied Bank Limited is using information system since 2005-2006. Previously they was using
core banking solution UNION BANKING SYSTEM (UNI), and almost about one year ago
bank starts another banking solution named TEMENOS

Old Management Information System in Allied Bank:

Previously management information system which allied bank used was UNI BANKING
SYSTEM. Language of that information system was UNIX, and in banking terminology this
language was called COBAL. This information system was MS DOS biased. With the help of
this information technology allied bank record the daily transactions that was of only one
branch. It was decentralized database. Decentralized means all transactions and processes are
record in one place. All daily transactions were recorded and saved into one server; every
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branch of allied bank had its own server which was not linked to any other branch of allied
bank. This information system was only being operated on LINUX OPERATING SYSTEM.

Present Information System in Allied bank:

Allied Bank replaces UNI BANKING to TEMENOSE (T24). T24 is the latest information
system which is now a day mandatory from State Bank of Pakistan for every new bank. With
the help of new information technology Allied Bank Limited records the daily transactions,
and that took place from all over the Pakistan into a centralized database in real time and now
there is no batch processing is taking place in Allied Bank all over the Pakistan. Every bank
branch is an online branch and is directly connected to the centralized server to keep the data
up to date to avoid any problems. Now information system of Allied Bank makes thousands
of transactions per day. And this information system makes whole process more quick,
reliable and simple. And employees can easily connect with other branches; customer service
gets improved, online banking emerged and lot of other benefits. Now a day Allied Direct
Internet Banking is an innovative online banking service. Allied Direct Internet Banking
offers you good policy to manage and control your banking and finances (when you want to,
where you want to. Now its Simple & Convenient, Secure and Faster. So, just get clicking.)

Management overview:

Management Information System:

Through TPS all routine information are collected in Allied Bank. All details of TPSs HUBs
go into Management Information System. This information is then summarized in the form of
reports for the manager so that they can check whether the firm is working properly or not. If
there are some flaws then they take control measures to fix those flaws. In one branch all
daily transactions are recorded and all reports are prepared on daily basis. TEMINOS
generate daily information report at the end of the day.

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Factors of Gaps in business which are in-efficient and ineffective and are
affecting business performance negatively:
No entertainment facilities are available in the Bank when customer goes to the Bank
and wait for a longer time. These facilities can be the newspaper, magazines, TV etc.
Advertisement of ABL is not such goods as of other banks.
Outlook of the ABL branches is not attractive to the people.
The non-interest expenses of the bank has been increased due to the increase in all the
expenses including the administrative expenses, provisions and other charges.
The cost of funding also increased by 6%.
The earning assets to deposits ratio has declined.
Less staff in branches which leads to a long wait for their turn of customers.
Nonperforming loans to the Govt. sector due to Govt. influence on the bank.
There is no consumer banking services offered by the bank.
First threat is that of political influence. Three boards of directors are of government.
So that they can influence on the decisions of the ABL.
The biggest threat in the banking sector is the continuous downfall of the countrys
economy since the last few years.
New Privates Bank coped with emerging new Technology of IT and with huge
investments.
Increase in the withholding tax by the Govt. on transactions.
The higher discount rates offered by the SBP
The Law and order situation disturb the economic situation and hence the Banking
Industry
Power shortage brutally hinders the performance of Industrial sector which get loans
from Banks.
Tight monetary policy and high interest of 15% by the SBP reduce the interest of
people to get expensive loans from Banks.
The high inflation rate due to deficit financing by the Govt. is also a big threat to
ABL.

OPPORTUNITIES
The policies of the new government to uplift the economy and pursue financial sector
reforms are expected to yield positive results in the banking industry of the country.
As a result of the different steps taken by the Government regarding the betterment of
the economy, small borrowers are attracted to get the financing and start small
businesses.
So, the ABL has an opportunity to attract the customers by giving them attractive
schemes.
They have wide area network in all over the Pakistan, if ABL can make it possible the
fast delivery of fund from abroad through online banking, it can cover the major
market of Pakistan which still is capturing by Hundi.
Diversification towards Islamic Banking Services
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 Provide Privileged or Preference banking like MCB and UBL

Micro Finance to the formers and house hold Industry
SME Financing

Competitive advantage:
New Customer Identification:
Allied bank is using TEMENOS banking system which is connected to NADRA. Banks
information system automatically verifies customers ID number, address, income, and city
name. Which helps the management to identify whether he/she is using his original ID card
or not. Whenever new customer come for open an account customer fill and form named
KYC, abbreviation of KNOW YOUR CUSTOMER. Operational manager enter all date of
that form into system which contains actual worth and expectations of deposit and after that
manger enter his/her comment which he/she knows personally about that customer.
Customer due diligence named report related to that customer goes to Head office and State
bank also have access to that customer, through which State Bank knows the credit history of
that customer.

Employees Record:
All employees having their personal login IDs which allotted at the time of employment and
they are supposed to login when they enter the bank and logout on leaving. Their accounts are
also connected with the HUB which continuously makes record of their hours spent in the
bank. Moreover, the bank has their own setup which makes records of all the transactions
made by an employee. All these help management to monitor the working efficiency of an
employee. Through this information system management also have record of, how many
customers served by whom employee. And they also have information through this system
that how many customers convinced to open an account by whom.

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Real time Banking:

When a customer withdraws a sum of money from his or her account the transactions are
processed and the account balance updated as soon as possible, allowing both the bank and
customer to keep track of funds. When a customer goes to bank for withdraw or deposit the
cash through cheque or cash then there are certain steps. We will just describe withdraw
transaction. First step on the time of withdraw through cheque is, first cashier made entry of
that cheque into information system (put cheque number, name of a/c holder) and then
cheque is scanned into FLATBED PRINTER. And after that information system configure
instrument number, amount in words & digits, and signature etc. If entered and scanned
information will be same then system will proceed to next step. If transaction is of less than
Rs.25, 000 then it needs the verification of just one person. And if cheque is of more than
Rs.25, 000 then it needs the supervision of two supervisors. In case of more than twenty five
thousand rupees transaction, system of Allied Bank generates one supervision code. One
person made transaction and second supervises. And after configuration transaction is done.
TEMENOS system of Allied Bank shows option of debit and credit at the time of transaction.
And when transaction is made then the new transaction is send to Lane. Date and time of
transaction automatically entered when ever transaction made. The Lane enters the HUB
where the specified file is accessed. The updates are made entered there and finally the
adjustment
is
done.

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Automated Teller Machine Card (ATM Card):

ThroughATMcardcustomercanwithdrawofcasheasily.Atthetimeofapplyhe/shegive
biodata,incomesummary,companyname,NIC.Thatdata(NICno.andbiodata)sendto
systemTEMINOSwhichdirectlylinkedtoNADRA.Ifinformationcorrectthenitisforward
tocustomerservicecentreandtheissueofcreditcard.

Management Information System after TPS:

Through TPS all routine information are collected in Allied Bank. All details of TPSs HUBs
go into Management Information System. This information is then summarized in the form of
reports for the manager so that they can check whether the firm is working properly or not. If
there are some flaws then they take control measures to fix those flaws. In one branch all
daily transactions are recorded and all reports are prepared on daily basis. TEMINOS
generate daily information report at the end of the day.
Diagram of TPS and MIS :

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Internet banking and mobile banking:

We are giving the best online services in Pakistan our internet banking and mobile banking is
99% error proof and our team is doing the best they can do to provide the customers the best
experience they can provide.
Pay Anyone through Allied SMS Banking:
Use your mobile device to type the following syntax and pay anyone anywhere anytime
Pay Anyone through Allied Direct Internet Banking
Pay Anyone feature can be accessed via Allied Direct by logging in to your internet banking
account and navigating into the funds transfer section or via Call Center by calling 0800-2252
Our way of transferring money is the most secure way of transferring funds
Import / Export Business:
Allied bank, with its variety of export products and expertise, can help customers mitigate
risks involved in export transactions, which in turn, will help their export business flourish.
We offer a wide range of import products delivered by our expert trade team who ensures
quick and efficient processing of transactions.
Branches & ATMs:
We have a lot of branches and atm in Pakistan to facilitate our customer the best way we can.
Safe Deposit Lockers:
like other banks we are providing safe deposit but we are pround to announce to be one of
few banks which are going to offer issurance to lockers by 2016.
Utility Bills Payment:
Our Utility Bills Payment Service Allows You to Pay Your Utility Bills Conveniently and Securely. You
Can Avail the Service at ABL Branches, ATMs, Online Banking, SMS Banking, and Phone Banking.
Allied Bank facilitates you pay your utility bills by offering numerous banking channels.

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Choose as per your convenience, for the payment of following bills:

Utility

Telco

Internet

Credit Card

PTCL Vfone

PTCL Evo Prepaid

KESC

Telenor Prepaid

PTCL Evo Postpaid

LESCO

Telenor PostPaid

Wateen

PTCL Landline

Ufone Prepaid

Wi-tribe

PTCL Defaulter

Ufone Postpaid

SNGPL

Warid Prepaid

SSGC

Warid postpaid
Zong Prepaid
Zong Postpaid

Finance required to run a Bank:

It will require finance of about 100,00000000 rupees with some new employess with their
effective training and some new jobs.

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ATTENDANCE SYSTEM:
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Improve Time and Attendance Behavior:

Combine our powerful Time Clock and Schedule features to encourage employees to get to
work on time and leave when they're supposed to. Improve communication through the Time
Clock app by using reminders and notifications.
Enable Remote Check Inssurance:
Remote employees can use the Humanity Android or iOS app to clock in from anywhere. Use
GPS to make sure you know where they are working from at all times.
ONLINE BANKING
View your account activity, make payments, transfer funds and apply for products with ease
We make easy for everyone to do their daily work
And in no time can pay bills, buy anything
Account Information
View updated balance of your account. Keep track of your transactions and track
purchases made.
Account aggregation
View all your accounts / credit cards in one window.
Online Bill Payment
Pay credit card, utility and mobile bills. Refer to the list of offered billers below.
Transfer funds
Transfer funds online to anyone within Standard Chartered or any other bank (IBFT).
24 / 7 Access
Access the bank 24 / 7 from the comfort of your home or office.
SMS and Email Alerts
Register for SMS and email alerts and get informed whenever there is transaction on
your account or card.
Security
128 bit SSL encryption to ensure complete online security.
Credit Card Services
View your last three Credit Card statements.
Pay credit card bills.

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Set

up

standing

orders

for

recurring

Credit

Card

bill

payments.

Hardware and software used by Allied bank:

Allied Bank Limited has selected Oracle Exadata Database Machine and Oracle ZFS Storage
ZS3-2 to replace its core banking hardware infrastructure with a scalable, high-performance
solution to help accelerate its critical close of business processes and reduce cost. ABL was
experiencing performance issues in running its core banking application. Due to the high
number of transactions in the Online Transaction Processing (OLTP) system, processing for
critical close of business was taking more time, affecting its important reporting processes.
Another critical concern for the bank was the cost of scaling its existing solution in view of
its aggressive expansion plans. By implementing Oracle Exadata Database Machine with
Oracle ZFS Storage ZS3-2 for backup and recovery, the bank aims to significantly accelerate
their OLTP performance, protect its data, and speed up their critical close of business
processes such as daily transaction, calculating and posting interests, rolling the bank date
forward and production of various reports.
A highly available and reliable IT infrastructure is critical for any bank to provide innovative
services and products to its customers in a timely and efficient manner, said Mujahid Ali,
Chief Information Technology Group, Allied Bank. We found Oracles solution much
simpler, smarter and cost effective than its competitors and we plan to satisfy the
requirements and demands of our diversified clientele by offering them excellent services at a
reduced infrastructure cost and without compromising on the quality and performance of
service.
Oracle understands that its customers, especially in the banking industry, need to perpetually
evolve and provide cutting-edge services to their customers in order to gain the competitive
advantage. Having a robust and effective infrastructure is a necessity for them, said Waqas
Hashmi, Country Director Technology Business, Oracle Pakistan. We are confident that
ABL can reduce their cost and storage footprint and improve customer satisfaction by
leveraging the highly available, secure and reliable Oracle Exadata Database Machine and
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Oracle ZFS Storage Appliance. Moreover, this deployment will simplify and accelerate the
scaling up of their solution at a reduced total cost of ownership (TCO), while further easing
the manageability for both hardware and software. Oracle Exadata Database Machine will
help deliver a fully integrated database platform with the latest hardware technologies and
unique software providing the bank with the highest performing and most available platform
that can run most types of database workloads including online transaction processing
(OLTP) and daily batch reporting efficiently.
Oracle ZFS Storage Appliance, with its deep integration with Oracle Exadata Database
Machine and Oracle Database, will provide the bank with the enterprise-class networkattached storage (NAS) capabilities to simplify storage management and protect its data at
reduced cost and storage footprint while using much less energy yet delivering high
performance and high availability. Oracle Advanced Customer Support (ACS) Services will
deploy the solution at Allied Bank to help the company maintain and maximize performance
of all Oracle mission critical applications, delivering greater IT efficiencies at reduced cost.
Oracle 10g also enabled Allied Bank to cut down its costs on storage devices which prove to
be a big cost for banks to store humongous amounts of daily transactions and data. However,
this problem was solved by the use of Oracle's automatic storage management which not only
enabled the pooling of PCs but also enabled pooling of storage devices to the communication
cluster as per required. This choice of addition of storage devices to clusters made the data
transformation, collection and storage cheaper, easier and efficient.
Oracle 10g has enabled Allied bank to save on its database management costs as its database
administration is either completely automatic or much uncomplicated. This has enabled
Allied bank to save its costs on the training of new database managers. Oracle 10g has its
own cluster administration softwares which monitor, manage the performance of clusters and
thus eliminates the needs for extra utility and program softwares. Oracle uses Oracle
Enterprise Manager Grid Control and Management Packs to monitor clusters performance
efficiently. Oracle 10g uses GUI tools and utilities for increasing the power and efficiency of
the clusters.
Oracle 10g also introduces self-administration in the databases through use of programs such
as Automatic Storage Management, Automatic Memory Management, Automatic Optimizer
Statistics Collection, Automatic Workload Repository, Automatic Database Diagnostics
Monitor, Automatic SQL Tuning, Segment Advisor, Automatic Workload Management,
Automatic Disk-Based Backup and Recovery to meet the changing processing, data
transforming and storing demands.
Thus, Allied Bank has benefited greatly from its shift from Manual systems to the automated
Oracle 10g system. The benefits reaped are unparalleled in terms of cost reduction, efficiency,
data disseminating and decision making. Allied Bank in addition to the use of Oracle 10g
uses softwares such as Unibank, however it is planning to change its banking software from
Unibank to Temenos t-24 in the mid of 2010.Shift from Unibank to Temenos T-24 When
Allied bank shifted to automated Information Systems in 2002, it started using softwares
such as UNIBANK .This software held answers to the management of all the chaos created
by the use of manual systems. [2] Unibank was a branch centric cash management software
which held answers to the banking problems of the time thus it was called the core banking
solution. Unibank gave faster and safe electronic access to banking transactions and
functions. Unibank enabled Allied Bank to.
Evaluate the latest record of all account transactions taking place in the branch
Exchange information with other departments of the branch such as finance and accounting
Monitoring and management of deposits and withdrawals simultaneously
Electronic transfer of data from one branch to another
Provision of e-statements for the employees making their jobs easier.
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Secure data control and transfer.

Electronic monitoring and management of employee payrolls
Temenos T-24:
Although Unibank seemed to be the answer to all the banking problems at that time however
due to changing technological trends, higher uncertainty in the environment, shift towards
centralized functioning and policies, Allied Bank has decided to shift from Unibank to
Temenos T-24. The reason being that, Unibank was branch centric software and due to this
reason data could be lost or misplaced if server crashed at any particular branch. Moreover,
considering the uncertain political situation in Pakistan, there was high possibility of raids
and fires and due to this the threat of data loss was eminent thus a shift is being planned and
implemented from Unibank to Temenos T-24 as we speak. This shift will be implemented in
all the branches countrywide within a period of 6 months. The reason for shifting to Temenos
T-24 is that it is centralized software with the central server in Kashmir Road Branch in
Lahore. This central server acts as a hub and daily transmissions are not only recorded in
branches but in the central hub too, thus making the information more secure. Moreover,
designated user ids/passwords, bio-metric systems add to the security of information. All the
transactions and operation take place in real time. Policies are designed at the central server
in Lahore and are applicable to all the branches country wide thus making the operations
uniform and consistent in all the branches.
Temenos T-24 in addition to providing all the functions that Unibank provided, offers a more
secure platform and new and efficient data bases. Moreover, Temenos T-24 is partners with
Microsoft and has adopted MS platform to make the functioning of the software more userfriendly and easy. Moreover, one of the reasons for adopting Temenos T24 by ABL is that its
cost of owner ship is very cheap as compared to the benefits it provides. Moreover, it uses
established programs such as HTTP, XML so that functioning it not an entirely new
experience but adds on to the previous knowledge of the employees. Moreover, it has an edge
over Unibank as it eliminates the need for end-of-day banking and is a true 24/7 banking
system, which heaves away burden from the employees and enables employees and
customers to access updated information at all times.
Software Specifications
Application Software
CRBG department Employees uses the following application softwares;
Microsoft Office 2007 & 2010
McAfee Anti-Virus 2010
Adobe Reader 8
System Software:
The department's computers were found to be using the following system softwares;
Operating System: Windows XP for Desk-top PC's and
Windows NT server for mainframe server.
Core Banking Solution
The software currently in use is UNIBANK, however T24 has been introduced in one
branch in LAHORE.
Query Software
ABL employees generate queries through these softwares, for example if I want to view a
customer's demographics I will put in a query in the Discoverer Viewer which will then seek
the data from the Central Database
Discoverer Viewer - It is just for viewing of data, Discoverer PLUS - The queries here can
even be edited and employees have limited access to this software
Network Type
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Allied bank is using the client/server network because the employees easily share the data
and its cheaper than others and maintainable. All the data is saved in Central Database (CBS)
and employees can easily access it. This type of computing system provides an easy access
and efficient flow of data, which increase the functionality of organization.

Staff Development & Training Division:

The principal activities of the Staff Development and Training Division (CHRM.3) are to
design and implement staff development and training plans to ensure that the Bank staff have
at all times the necessary knowledge, skills and competencies and that they are continuously
being developed for performance excellence in their current jobs and future responsibilities.
The division takes the lead for and coordinates the implementation of the Banks performance
management system. The division is also charges with the responsibility for charting out
career paths and planning for career succession. The division will ensure that each and every
staff is accorded and receive full consideration for developmental opportunities to enhance
their competencies, leadership skills and for career advancement.
These activities are detailed as follows:
develop and manage a high performance Bank human resources training and
development programs that enables staff to continuously learn and acquire new skills
and competencies that enhance performance and productivity;
undertake comprehensive training needs assessment in liaison with Managers and
Staff of the different organizational units;
foster an environment that stimulates, recognizes, appreciates and rewards good
performance; promotes constant feedback and encourages open dialogue; encourages
team work and fosters trust and mutual respect while requiring individual and
collective responsibility;
manage and administer the such performance management system that is centered on
the objective of skillfully evaluating and managing employee performance;
identify and provide relevant training and professional development opportunities that
create an environment, which enables employees to thrive;
develop and maintain a comprehensive career management program that assures staff
of personal growth and satisfaction with their jobs;
develop meaningful career opportunities where growth potential exist within each job
family;
develop and manage mechanisms for tracking, reporting, and ensuring accountability
regarding the outcome of staffing, training, placement, and other developmental
actions;
arrange periodic focus group and town hall meetings with staff and managers to
review developments and progress related to human resources management strategic
goals;
develop and maintain a sound communication and an up-to-date human resources
information system to facilitate timely attention and to serve as a basis for internal
communications and decision-making process on human resources within the Bank;
enhance the application of the performance management system management
decision-making and widen its use to include career management; promotion;
transfers; separation and staff training and development;
ensure that learning programs and materials are designed, developed and
implemented; and conduct measurement and evaluation of training conducted to
ensure program effectiveness;

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assist staff to assess their competencies, values and goals so that they can personally
implement development plans and take responsibility for their own development and
career growth;
develop and provide training interventions and interpersonal skills to help staff
change and sustain change; and participate in training and coaching of staff and
managers;
develop and provide induction programs to new staff and assist in their integration
into the Bank and conduct coaching and mentoring programs for newly appointed
managers;
maintain and manage a database of skills profiles and competencies of Bank staff;
administer and manage internal mobility and transfers to ensure efficient use,
allocation and redeployment of Bank resources. Manage and process confirmation of
probations and contract renewals and conduct exit interview with all departing Bank
staff.

QUICK TRANSACTIONS
Previously, as soon as an employer initiated a transaction from their bank account we credited
that money to SafePay (or used it to pay an invoice), even if we didnt yet have that money. If
the transaction bounced back to us, we would then be forced to revoke those funds. This
caused confusion and wasted time.
Now, were following industry standards and keeping the transaction status as pending
while we wait for the funds to clear. This takes 2-3 business days, but we feel that this is
more transparent and will help us avoid revoking funds.Employers, if you want to use a bank
account to fund SafePay or pay invoices instantly, then fund your cash account preemptively
to avoid this delay.
QUICK RESPONSES:
If any customer drops their calls we responses them quickly and we have a software which
provides us the list of our callers waiting or the members those are continuously unable to
reach us.
Opportunities
Huge untapped market potential in consumer banking
In opportunity exist, in form of opening of ladies banking section within the branch
which is entirely a new idea and it will attract customer
Opportunity for developing value added services combined with corporate banking
relationships, cash management services to large and medium sized corporate clients.
Growing policies of government on business and commerce sector provide Allied
bank opportunities to take advantages of these policies to meet efficiently with the
business people to solve their problems with the instant cash and financing facilities.
Govt. is taking very bold steps to promote IT in Pakistan. Allied bank has an
opportunity to improve in technology.
Large international network which principally focuses on trade finance with Pakistan
can be utilized to tap trade activities in other markets. In addition, services such as
cross border / offshore financing for corporate customers can be enhanced.
Customer feedback on different products and accounts has really improved the bank
performance and encourage the atmosphere for other future policies.
Allied bank also has an opportunity to expand its new technological advancement like
tele banking and internet banking facilities in order to serve the customer more
efficiently,
E-banking facility is also a new opportunity which is a flourishing business in foreign
countries and can also be here, if Allied bank takes the initiatives.
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 Further reduction in intermediation costs possible, with improving technology.

Due to efficient and veteran management group, Allied bank can also improve and
expand its foreign operation successfully.
Recommendation:
There should be central compliant cell in ABL in order to reduce peoples complaints
and foster the ratios of productivity.
Commonness of E-commerce with the help of Internet banking should allow
flourishing in all branches.
Scope of Investment Banking is very much there and bright as said by finance
minister 2014. Concrete efforts should be made to initiate investment-banking
operations.
General working conditions ought to be improved
Expand banks operations geographically
Banking services may be provided in rural areas
Those customers must be identified and attracted who have capacity but never used
bank services
Focus on those areas which are still ignorant by other banks

REFERENCES
Personal Reference
Muhammad Bilal
(Assistant Manager in Allied Branch Faisalabad )
http://searchsecurity.techtarget.com/topics/0,295493,sid14_tax299811,00.html
http://tldp.org/HOWTO/SSL-Certificates-HOWTO/x64.html
http://en.wikipedia.org/wiki/Disaster_recovery
http://info.ssl.com/article.aspx?id=10241
http://www.occ.treas.gov/handbook/mis.pdf
http://www.temenos.com
http://www.abl.com.pk
http://www.oracle.com

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