EXECUTIVE SUMMARY

Graduates of the Bachelor of Business Administration (Honors) in

Marketing programme at the University of Peshawar are required to give a

presentation on their internship experiences. During the course of the internship,

many transactions involving money were seen being carried out. When compiling

the report, everything going on at Allied Bank was taken into consideration in its

entirety. This study was carried out in order to analyse the ABL's branch operations

as well as their marketing strategies. The objective of the evaluation was to

determine whether or not there were any operational problems with the bank. The

analysis of the main and secondary data gathered during the internship served as

the basis for the recommendations that were provided. Administration and

organisational structure of ABL are quite similar to those at other state-controlled

financial institutions. This is due to the fact that ABL was once a government-

owned business. The operations of the bank are primarily governed by the board of

directors of the bank. To provide assistance to the president, the government

chooses nine directors to serve in this role. The bank, just like any other

commercial bank, has the purpose of increasing the amount of available capital and

reinvesting that money in businesses that are profitable. The bank has devised

clever tactics to attract new depositors, which will aid them in accomplishing their

objective of obtaining their target number of deposits. When compared to its rivals,

Allied Bank has shown superior performance in terms of creative deposit

techniques.

i
 TABLE OF CONTENTS

S. No Title Page No
Acknowledgement.........................................................................................i
Executive Summary.......................................................................................ii
Table of contents............................................................................................iii
Chapter-1Introduction...............................................................1
1.1 Background of the study..........................................................................1
1.2 Purpose of the study.................................................................................1
1.3 Scope of the study ...................................................................................1
1.4 Methodology of the study........................................................................2
Chapter-2 Overview of the Organization ................................3
2.1 Brief History ...........................................................................................3
2.2 History of Banking System......................................................................3
2.3 Major Functions of Commercial Banks...................................................5
2.4 Allied Bank Limited History & Background...........................................8
2.5 Corporate Banking...................................................................................10
2.6 Organizational Structure Of Allied Bank Limited...................................11
Chapter-3 What I Learned during my Internship .................14
3.1 Learn in the Bank.....................................................................................14
Chapter-4 Marketing and Organizational Functions of ABL Peshawar
Cantt. Branch ................................................................................18
4.1 Introduction..............................................................................................18
4.2 Deposits....................................................................................................18
4.3 Allied Delivery Channels.........................................................................22
4.4 Online Banking........................................................................................22
4.5 Remittances..............................................................................................22
4.6 Hajj Services............................................................................................23
4.7 Utility Services:.......................................................................................24
4.8 Clearing OF Bills:....................................................................................24

ii
4.9 Marketing Analysis .................................................................................24
4.10 Product Line ..........................................................................................27
4.11 SWOT Analysis ....................................................................................36
4.11.1 Strengths.............................................................................................36
4.11.2 Weaknesses.........................................................................................37
4.11.3 Opportunities.......................................................................................38
4.11.4 Threats.................................................................................................38
Chapter-5 Conclusions and Recommendations.......................40
5.1 Conclusion ..............................................................................................40
5.2 Recommendations....................................................................................41
References....................................................................................42

iii
 Chapter #1
INTRODUCTION
1.1 BACKGROUND OF THE STUDY:
Strong monetary institutions are required for the social and economic
development of any nation, since the economy influences all aspects of life. Simply
said, the function of a bank in this circumstance is minimal. When a nation's
economy is booming, it is because the banking sector is supporting the nation's
commerce, industry, and enterprise. A bank is a firm that gathers funds from several
individuals, deposits them in a central place, and then loans or invests the funds
depending on the pooled balance. As a result, the bank produces credit, participates
in the formation of capital, and directs the profits of capital to productive ends.
1.2 PURPOSE OF THE STUDY:
This paper satisfies the BBA (Hons) in Marketing requirement for an
internship report. My original selection was ABL since I wanted to learn more about
the company (ABL). My primary sources consisted of my own opinions and
experiences, whilst secondary ones comprised study materials and yearly reports. I
feel that ABL Bank has a strong financial base and an excellent reputation. The ABL
Saddar Peshawar Branch was the sole aspect of my research that I examined; hence,
it should not be utilised to make important decisions. ABL's internship programme
includes many purposes.

It requires an explanation of the ABL and understanding of its operation.

 Learn How to Evaluate the Financial Performance of ABL

 The purpose is to determine Branch Issues

 Develop your analytic abilities so that you may use them in fields such as
business and finance.

1.3 SCOPE OF WORK:

Internship at Allied Bank Limited provided the foundation for this project's
breadth. At the branch where I formerly worked, I was a member of the following
departments.

1
  Clearing Department

 Deposit department

i) Current Deposits

ii) PLS Deposits (PLS saving A/C, PLS term deposit.)

 Advances department
i) long term

ii) short term

 Remittances department

1.4 METHODOLOGY OF STUDY:

During my internship, I had one primary responsibility: gather as much high-quality
information as possible on the company. Research methods included:
i. Primary Data:
 Personal observation

 Discussion with bank personals

ii. Secondary Data:
 Annual Reports

 Manuals of Bank

 State Bank manuals

 Journals, Newspapers and books

 Internet

1.5 SCHEME OF THE REPORT

Chapter-1 Introduction
Chapter 2: Organizational Overview
Chapter 3: What I Discovered During My Internship
Chapter 4: SWOT and marketing analysis
Chapter 5: Conclusions and recommendations
References

2
3
 CHAPTER #2

OVERVIEW OF ORGANIZATION

2.1 BRIEF HISTORY:

The Allied Bank was the first bank in what would become Pakistan to be
owned by Muslims.

The Australasia Bank in Peshawar was established in December 1942 with a

Rs. 0.12 million share capital investment. In the Bank's first 18 months of existence,
deposits of Rs. 0.431 million were successfully obtained.

At the time, the total worth of the Bank's assets was Rs. 0.572 million. Allied
Bank's current balances for paid-up capital and reserves are Rs. 10.5 billion, for
deposits it is Rs. 143 billion, and for total assets it is Rs. 170 billion.

2.1.1 Allied Bank (1974 - 1991):

A new Board of Directors was selected in 1974, and Australasia Bank became
Allied Bank. With a net profit of around 10 million rupees and a growth in deposits
of more than 50 percent, to approximately 1,460 million rupees, the first year was
pretty successful. The bank's investments increased by 72%, and for the first time
ever, loans exceeded Rs. 1 billion. In 1974, the bank built 116 additional branches
and began participating in a government agricultural spot purchase programme.

The Bank grew significantly throughout its first 17 years of operation. There were
748 by the end of 1991, up from 353 in 1974. During this time period, deposits grew
by 1.46 billion rupees, while advances and investments increased by 1.34 billion
rupees, for a total increase of Rs. 22 billion. Additionally, three sites in the United
Kingdom were launched.

4
2.2 NATURE OF THE ORGANIZATION:

 ABL is Scheduled Bank.

 ABL (Allied Bank) provides retail, commercial and corporate banking

services.

 The bank is listed on all stock exchanges in Pakistan

 ABL is a Private Bank

2.3 BUSINESS VOLUME OF ABL:

Rupees in Million
2021 2020 2019
Total Assets 449,932 418,374 366,696

Investments 121,173 94,789 82,646

Advances 253,100 237,344 212,972
Interest earned 44,993 41,122 30,571
Share capital 7,821 7,110 6,464
EPS 10.52 9.11 5.31
Imports Exports 192,973 196,211 194,186
Other information:

No. of Employees 8947 8,713 8,325

No. of branches 806 779 766

Source: ABL annual report 2021

2.4 PRODUCT LINES

 Allied Umrah Aasan

 Allied Tahafuz Deposit Scheme
 Allied Karzas Scheme
 Allied Bachat scheme

5
Finance Facility:

 Cash Finance
 Demand Finance

 Running Finance etc

 Agricultural Finances etc

Accounts Facility:

 Current Account
 Saving account
 Other Accounts

Banking Provides:

 Internet Banking
 Allied basic Banking

 Foreign currency banking

Deposits:

 Allied profit plus term deposit

 Allied profit deposit

 Allied monthly income scheme etc

 Large

ATM Network:

24/7 availability

2.5 COMPETITORS:

These are the some competitors.

 Habib bank limited

6
  Soneri bank
 Alfalah bank

 United Bank Limited

 The bank of Punjab

 Bank Al-Falah Limited

2.6 ORGANIZATIONAL STRUCTURE OF SADDAR PESHAWAR

BRANCH:

Formal limits of a company or other body are determined by its

organisational structure. When an organization's structure is well-suited to its needs,
productivity rises. The bank is presently governed by a board of directors and an
executive committee, both of which were established as part of the institution's recent
organisational restructuring. The Allied Bank Limited has 766 branches located in
250 different locations. The headquarters is responsible for central tasks, including
delegating authority to regional headquarters around the nation.

7
 ORGANIZATIONAL STRUCTURE
2.7 ORGANIZATIONAL CHART

Board of Directors

Audit Committee Chairman

Internal Audit

Corporate & Commercial & retail Consumer Banking

investment Banking Banking

Treasury Risk management Special Assets

Management

Finance Operations Information

Technology

Human Resources Compliance & Corporate Affairs

control

Source: ABL annual report 2021

8
 Organizational Hierarchy Chart of ABL Saddar Peshawar Branch

Chief Manager

MG9 MG10 MG11 MG12/ TELLER

Remittance Deposits Clearing Cash department

Department department Department

Source: ABL Annual Report 2021

9
2.8 MAIN OFFICES

Central I Group

Regions Branches

Gujrat Region 21

Sialkot Region 24
Gujranwala Region 34
South Region 42
Peshawar 35
Faisalabad Region 35
Sargodha Region 36
Northern Region 35
Total 262
Source: ABL annual report 2021

10
Central 11 Group

Regions Branches

Jhang Region 19
Multan Region 31
Sahiwal Region 25
Bahawalpur Region 22
Rahimyar Khan Region 12
Jhang Region 19
Multan Region 31
Sahiwal Region 25
Total 109
Source: ABL annual report 2021

North Group

Regions Branches
Abbottabad Region 21
Peshawar Region 40
Mardan Region 32
Islamabad Region 31
Rawalpindi Region 44
Mirpur Region 33
Muzaffarabad Region 18
Total 236
Source: ABL annual report 2021

11
 South Group

Regions Branches
Hyderabad Region 25
Nawabshah Region 17

Sukkur Region 21
City Region, Karachi 33
Karachi 33

Nazimabad Region, Karachi 35

Quetta Region 34
Total 198

Source: ABL Annual Report 2021

2.9 DEPARTMENTS AT ABL SADDAR PESHAWAR BRANCH

2.9.1 Deposits Department

Receiving deposits is one of a bank's major tasks, according to Section 5(b) of

the "Banking Ordinance 1992." The lifeblood of a bank is money placed there. The
kind and quantity of deposits determine the bank's capacity to carry out its other
obligations. The ABL Saddar Peshawar branch offers the following kinds of
accounts;

 Current Account

 PLS Saving Account

 Allied Basic Banking Account

 Allied Profit Plus Deposit Account

 Allied Profit Plus Term Deposit

2.9.2 Remittances Department:

A "remittance" is a money transfer made by postal or electronic means. "Money

delivered to a facility for processing" is another potential interpretation.

12
Fast money transfers across locations are crucial in the modern business
environment. Thanks to contemporary data processing and connectivity technologies,
such a transaction might be completed in a couple of minutes. The following are the
responsibilities of the remittances department of the ABL Saddar Peshawar Branch;

 Demand Draft:

A demand draught (DD) is a negotiable instrument issued by one branch of a

bank and drawn on by another branch of the same bank.

 Telegraphic Transfer:

Funds may be transferred to a different location within the same bank using
the test numbers. If the verification number checks out, the bank will pay the
recipient.

 Pay Order:

A bank check made out to a particular individual is referred to as a pay order.

It's a solid order to provide the designated recipient your money right now.
The customer's account balance or cash received is checked to make sure
there are enough funds to meet the Pay Order and any related costs before
executing a Pay Order. The pay order leaf has to be typed, crossed (if
necessary), and signed by two people who are authorised to do so. It is then
given to the proper department. If the applicant changes their mind, they may
also cancel it.

 Traveler Cheque:

The holder has issued a check or draught made out in full to the issuing bank.
The bearer signs the cheque in the presence of the issuing bank. If you are
travelling inside your own country and would prefer not to carry a large
amount of cash with you, you may get a traveler's check from any branch of a
commercial bank.

One of the most user-friendly new products is the "Rupees Traveler cheque"
from Allied Bank, which has garnered positive feedback from customers.

13
 After taxes and fees are subtracted, a small commission is applied to the final
cost of producing a "Traveler Cheque.".

2.9.3 Credit Department:

Credit provision is one of a commercial bank's primary functions. Money lending

fosters the growth of several businesses. The credit department is responsible for
evaluating credit choices, maintaining adequate financial controls, and collecting
overdue credits in a timely manner. The structure, duties, and authority provided by a
bank's credit policy are crucial for making decisions. To monitor the actions of the
credit department, the SBP adopts a predetermined policy for credit management.
The SBP employs the bank rate, open market operation, variable reserve
requirements, credit constraints, and prudential controls to influence lending
decisions.

The facility of Allied Bank Limited in Saddar, Peshawar provides the following
services:

 Seasonal Finance

 Running Finance

 Demand Finance

ABL also provides internal credits to its staff for a variety of uses.

2.9.4 Clearing Department:

On the bank counter, you can only cash open checks. You won't be able to pay
with a crossed check at the register. Bankers who receive payments might use them
to pay it off. The Clearing Department's Duties may be Broken down Into two types.

i) Inter Branch Transactions

In banking, an inter-branch transaction is a financial exchange between

two branches of the same bank.

ii) Inter Bank Transactions

14
Business conducted between two branches of different banks.

15
 Chapter # 3

WHAT I LEARNED DURING MY INTERNSHIP WORK

3.1 1st & 2nd Week:

Already after the first week of my internship at the Saddar Branch of Allied Bank
Limited, I felt like an integral member of the team. After then, the issue was passed
to the marketing division, which was given responsibility for it. The Marketing
Department of the bank has been tasked with designing a marketing plan for the
bank's assets and liabilities, taking into account the present economic situation in the
province. The purpose of this department is to enhance the Bank's customer base and
reputation among the general public by advertising the Bank's different deposit and
loan programmes. Together with the bank's branches and the work of the bank's other
divisions and departments, the Division is responsible for implementing and assuring
the success of the bank's entire marketing strategy.
The Research and Development Section, Customer Relations Section, and Product
Promotions Section are the three divisions relevant to the whole organisation. The
R&D sector of the bank is largely responsible for finding and manufacturing creative
new products that align with market demands and the bank's marketing strategy, as
well as boosting the attractiveness of the bank's current goods. The bank's research
and development division analyses the product lines supplied by competitors in order
to enhance the market positioning of the bank's own offerings.
The customer service department is responsible for implementing the marketing
strategy. To achieve this objective, the Department must organise business meetings
with their corporate clients, maintain contact with their Branch Customer Relation
Officers and Managers, and coordinate the Branch's operations with those of the
Head Office.
The Product Promotion Division is responsible for employing both traditional and
novel kinds of advertising to inform purchasers about these products.

16
3.2 Week 3rd & 4th: Functions of Marketing Division:
Before getting into the intricacies of ABL Saddar Branch's marketing strategy and
techniques, let me first make the difference between marketing and the marketing
department. You may think of "marketing" as a catch-all phrase for any activities
undertaken to attract new clients.
Customer retention and satisfaction are two of marketing's main objectives.
Department of Marketing: "An organization's marketing department is tasked with
carrying out certain tasks that are considered to be "marketing." Central to
marketing's numerous activities are determining what consumers want and
addressing their requirements. These are the four essential components of every
effective marketing plan, or the "4Ps of marketing." A excellent initial step is to carry
out market research to discover customer wants in relation to the 4Ps..
 Right Product
 Right Price
 Right Place
 Right Promotion

3.3 5th & 6th WEEK:

The marketing strategy of ABL Saddar Branch is to satisfy the customer by
addressing their needs in terms of the product, price, location, and promotion.
As a business, Allied Bank Limited is largely focused on educating its customers
about its goods and services in order to translate their requirements and desires into
real sales. To reach its target audience, the ABL Saddar Branch used a variety of
advertising strategies, such as banner advertisements in print and online magazines.
Marketing activities are carried out by staff members in departments such as auto
finance, agriculture financing, consumer financing, and customer support. To
increase bank deposits compared to competitors is the division's goal. For instance, in
the agricultural department, the junior officer and the department head both provide
information on the products they sell and engage in marketing via the use of banners
and fresh advertisements in an attempt to entice clients.
Making ensuring all competent applicants have a fair opportunity is one of the
marketing department's main duties.
Offer ideas for thanking and praising employees.
The top applicant is required by the marketing division.

17
One of the major benefits is payback.
According to my research, the marketing department is responsible for the following:

 Pay close attention to the client

 Administer a budget
 All applicants should have the same opportunities.
 Select the most qualified candidate for the marketing position.
 Suggest that the workers get a bonus and a pay increase.
 Think creatively.
 Discuss amongst yourself.
 Interviews and testing should be used to choose the best candidates.
 Know the investment's return.
 Choose a strategy, organise your attacks, then implement it.
 Keep your competitors in mind.
 Create your own identity.
 Identify and direct external suppliers.
LAST WEEK
In compared to other markets, the ABL Saddar Branch market is massive due to the
region's large population. The ABL Saddar Branch has divided its jurisdiction by
religion and urban atmosphere. Pakistan's banking system accommodates both
Muslims and non-Muslims by providing interest-free Islamic banking to Muslims
and interest-bearing commercial banking to non-Muslims, despite the fact that the
vast majority of Pakistanis are Muslim. In addition, the market is split by age,
income, education, occupation, and country of origin.
The products sold by ABL Saddar Branch are designed to fulfil the needs of the
demographics alluded to in the store's moniker. It separates the market into a number
of age categories, including students (18–30) and retirees (40–65) for the former.
Interested parties may open special deposit accounts at Allied Bank Limited. In order
to better serve its clients, the ABL Saddar Branch has split its market by occupation
and currently provides a variety of agriculture-specific programmes. Kissan dost,
etc., I adore you. The mission of the Saddar Branch of ABL is to inspire its members
to give back to the neighbourhood. You're searching for clients that fit a certain
profile and are able to acquire your stuff. Your ideal customer base comprises of

18
individuals who are comparable to those who participated in the focus group.
Consistent with its stated objective, ABL SADDAR BRANCH hopes to attract
customers from the following groups:

 Customers who have made a down payment

 Kissan
 Customers seeking to acquire a motor vehicle
 Everything associated with agriculture
 Customers want several lending options.
 Institutions of higher education and the private sector
 stock market participants
 Customers who are considering a purchase or lease
 A congregation of believers eager to learn more about Islamic finance

Numerous individuals use financial services such as bill payment.

When a market is the deliberate focus of all promotional activities, we say that it is
"targeted." The target demographics are groups distinguished by a set of
distinguishing features. When choosing a specialty, it is vital to consider the
following two factors:

 How appealing are the products on average?

 Capabilities and assets available

19
 Chapter – 4

MARKETING AND ORGANIZATIONAL FUNCTIONS

OF ABL SADDAR BRANCH

4.1 Introduction:

Since the banking business is expanding at a rapid rate and becoming more
specialised, Allied Bank has made it a top priority to stay up. Through expanding
assets and the effective mobilisation of deposits, they are able to target the market of
their choice and achieve the necessary growth rate.

4.2 Deposits:

The Saddar Peshawar branch of Allied Bank Limited accepts deposits.

Accounts of many kinds are mentioned here.

i. Current Account:

Every commercial bank offers the ability to keep a current account. Customers with
"current accounts" often utilise their accounts throughout the bank's working week.
Unexpectedly, the customer takes money out of their bank account. The bank does
not pay interest on these deposits. Simply serving as a repository for the money, the
bank. It is reluctant to spend money out of concern about losing it. It must have a
higher reserve ratio in order to meet its demand commitments. In recent years,
commercial banks have become fonder of the current account. Individuals,
companies, and organisations may all utilise the Current Account service at the
Allied Bank Limited branch in Saddar, Peshawar. Users with active accounts at ABL
have access to the following amenities.

 A bank will collect the account holder's incoming payments, such as bills and
cheques, when they have a current account.

 Customers that have shown to be trustworthy are permitted to utilise the

overdraft service.

 Financial help may be accessed quickly and easily.

20
  At the depositor's choice, checks and an ATM card are acceptable ways to
withdraw money from the account.

 The minimal deposit requirement for opening a current account is Rs. 500..

Customers having an account balance of Rs. 0.2 million at the ABL Saddar Peshawar
Branch get free services. These services include:

Free services include the issuance of money orders, demand draughts, deposit at call
receipts, and online transactions.

ii. PLS Saving Deposits:

Open a savings bank account if you want to save money but don't know how to
invest it wisely. The PLS savings account rules are shown below.

i. PLS savings accounts may be opened in the names of a single person, two
persons, or more. Municipal governments, nonprofit organisations, and
other financial institutions may open this account.

ii. ii)The bank will provide the depositor a counter-foil when money is
placed into an account.

iii. Checks from the bank are used for withdrawals. iii. The bank's Specimen
Signature format must be used to sign all checks.

iv. These monies could be used for investments by the bank.

v. Profit or loss realised on PLS Saving Account transactions will be

credited or debited in line with bank policy.

Customers at the ABL Saddar Peshawar Branch may open a PLS Savings Account,
which comes with a number of perks.

 Potential annual return of 7.5% or more.

 There will be no installation or monthly subscription fees

21
Prepaid ATM Cards at No Cost ABL Saddar Peshawar Branch provides the
following perks to customers who have a minimum monthly deposit amount of 0.5
million.

 Payment Method: Demand Draft (Free of Charge)

 No fees for making purchases on the web.

 Free Payment Order Issuance

 Account statements are issued at no charge.

iii. Deposit And Investment Schemes of Allied Bank:

Fallowing are the deposits and investment schemes of the bank.

a. Allied Advance Profit Scheme:

Following through on its promise to provide its clientele with cutting-edge

financial services, ABL has introduced the Allied Advance Profit Scheme, which
distributes its earnings in full up front.

Product Specifications:

A minimum investment of Rs. 25,000 is required.

Investment Terms:

 18 months are required for it.

 Auto roll-over (optional)

Profit Payment

A customer's current account will see an instant deposit of Rs.13, 500 (about
$1,400) in profit after an initial investment of Rs.100,000.

Additional Features & Benefits:

22
  Account used for day-to-day transactions
 Allied Cash+Shop Visa Prepaid Card.
 Access to up to 80% investment financing
 Internet banking at no cost to you
 The availability of a phone banking service at all hours

b. Behtar Munafa Account (BMA):

Profits are distributed weekly over a number of predetermined "slabs" in a Behtar

Munafa Account.

BMA Proposed Rates

SLABS PROPOSED PROFIT RATE

Up to Rs. 5 millions 5.00%

Rs. 5milloins to 25 millions 6.00%

Rs. 25 millions to 50 millions 7.00%

Rs. 50 millions to 100 millions 8.50%

RS. 100 millions to 250 millions 9.25%

Rs. 250 millions to 500 millions 10.00%

Above Rs. 500 millions 10.50%

c. Allied Bachat Scheme:

The Allied Bachat Scheme's primary qualities are listed below.

Investment requirement: Rs. 50,000

Duration: 1–7.5 years

Profit Rate Assumed: 13.33% (Profit payable at the end of the period)

23
4.3 Allied Delivery Channels:

Allied Cash+Card:

Constrained by Allied Bank In addition, Saddar Peshawar Branch offers ATM Cards
to its customers.

 The Allied Cash+ Card is an alternative name for this card. The key
properties of the ATM are described below.
 Zero transaction fees
 Zero annual fee
 The "1-Link Network" enables users to utilise the ATMs of other banks.
 Constantly accessible.
 The transaction limit is Rs. 25,000.
 Change of PIN, 
 Change of PIN, 
 Facility for Paying Utility Bills
4.4 Online Banking:

The convenient Allied Online service is available at the Saddar Peshawar

Branch of Allied Bank Limited. The consumer may access his or her Allied Bank of
the Landowning (ABL) account through Allied Online from any Allied Bank
location in the nation.

4.5 Remittances:

The term "Remittance" refers to the transfer of funds by postal service or

electronic transfer. Payment sent to a processing facility is another definition. Money
may be transferred between Allied Bank Limited branches or between locations. It is
the "Remittances Department's" job to handle money transfers.

24
Telegraphic Transfer:

Allied Bank Limited offers a range of methods for sending money into and
out of Pakistan, promising very quick transfer times due to technological
connectivity. ABL do this work using specialised application software.

Demand Draft:

When it comes to resolving commercial transactions and transferring

payments internationally, a draught is one of the most often used financial
instruments in the trade circle. The issuing and payment of draughts at the Saddar
Peshawar branch of Allied Bank Limited has been automated and made easier for
clients thanks to the implementation of a new technology.

Pay Order:

A bank will issue a customer a pay order, which is a payment order in

Pakistani rupees. Payment on such a check (Pay Order) is often restricted to the
specified "Payee Account," which has to be set up via a nearby bank.

Allied Bank Rupees Traveler Cheques (ABRTC):

Rupees The Traveler Cheques that Allied Bank introduced to the market have
been very well received. A little commission is added to the cost of issuing "Traveler
Cheques" after taxes and fees have been deducted. The various ABL locations are
responsible for issuing ABRTC. While a "Negotiable Instrument" only lasts for six
months, a Traveler's Check is good until it is enchased.

4.6 Hajj Services:

Customers of the bank include those who want to do the Hajj as a religious
duty. The bank offers documents for the hajj and further assistance. However, the
annual Hajj Policy announcement explains the parameters and circumstances under
which the government will accept applications from potential Hajj pilgrims.
Throughout the Hajj season, the Pakistani government releases policy changes and
accepts Hajj applications at its offices.

25
4.7 Utility Services:

Phone and electricity bills must be collected by Allied Bank Limited. On all
business days, the bank accepts utility payments both during normal business hours
and after hours. You may use cash or a cheque to pay your expenses. Customers may
pay their utility bills through the "Cheques Drop-in" option by depositing crossed
checks at any bank. Customers who pay for their utilities via an ATM may avoid
standing in long queues at the bank. Examples of such utilities are phone and
electricity.

4.8 Clearing OF Bills:

A bank teller is the only person authorised to cash a customer's open check.
You cannot make a counter payment with a crossed check. Bankers who collect
overdrafts might be used to pay for it.

 Inter Branch Transaction

 Inter Bank Transactions

4.9 Marketing Analysis

 Short Term Finance

Short-term loans are credit options with repayment terms of a year or less. Most
firms rely on this to meet their ongoing liquidity needs. These are short-term loans
that may help with things like working capital, accounts receivable, and seasonal
hiring. The following items make up the short-term financing:

 Overdraft – Running Finance

An overdraft facility, often referred to as "running credit" or "running finance," is a

kind of short-term financing provided by banks to assist their customers in meeting
their working capital needs by enabling them to withdraw funds from their bank
accounts in excess of their available credit.

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  Pledge Financing

In return for the customer delivering items to the bank, the bank will provide the
customer the pledge financing option. Products are maintained as collateral and given
to a Mucaddum that the bank has chosen. Drawing power is the value of the pledged
items plus the necessary margin.

 Short Term Trade Facilities

ABL provides a variety of services and goods to its clientele in an effort to improve
the efficiency of SMEs in international commerce.

a) Letter of Credit –Foreign & Inland

In order for its clients to utilise the Bank to import products, ABL will issue LCs on
their behalf. For importers, a letter of credit (LC) is a promise that, under specific
conditions relating to verified delivery, the beneficiary would receive payment from
the importer in accordance with the terms of the agreement. Customers may choose
from a variety of LC types, with sight and usage being the most popular.

 Finance Against Imported Merchandise ( FIM )

FIM is a bridge loan that ABL provides to importers so that they may pay off their
Sight-LCs early. In exchange for a promise of imported goods, the lender provides a
credit line. FIM is resolved when the borrower pays up the debt by either making
instalment payments or making one large payment.

 Finance Against Trust Receipt (FATR)

Those who shop at ABL may take advantage of the FATR programme, which
provides import financing. For FATR transactions, a trust receipt serves as the
foundation for releasing the imported items to the importer. As the name suggests,
this is a short-term financing option for imported items.

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  Export Finance Facilities

In order to fulfil their contractual responsibilities to buyers, exporters often require

access to finance. To help the export industry, the bank offers Pre & Post Shipment
Financing (Own Sources), SBP Refinance (Pre/Post), and bill discounting services.
The following are some of these institutions' most significant features:

 Pre-shipment (own sources)

A line of credit given to exporters to assist them in covering the expenses connected
with the last steps of preparing their goods for shipping is known as packing credit,
often referred to as pre-shipment financing. This option is also available to local
producers who want to finance their supply to reputable clients.

 Post-shipment (own sources)

The time between when goods are delivered and when export or local revenues are
realised is referred to as post-shipment (own). Exporters and other local
manufacturers may get financing and carry on daily business operations by using a
post shipment finance facility without having to wait for sales proceeds from
overseas or domestic clients.

 Facility for SBP Export Refinancing

ABL offers an export financing facility under the SBP ERF plan in accordance with
State Bank of Pakistan rules in order to support companies that are export-focused.
Both before and after a shipment, SBP promotes special financing deals.

Financing is accessible for all of Pakistan's major value-added exports, except the
goods that SBP has expressly said are not eligible.

 Pre-shipment & Post-shipment ERF (Part 1)

Exporters may get finance for their exports by using the transaction-based ABL
Export Finance Facility before, during, or after a shipment. The exporter's

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presentation of export income equal to the loan amount demonstrates the exporter's
success.

 ERF prior to shipment (Part 2)

Pre-shipment ERF Part 2, a specialised working capital facility, is available to

traditional exporters to fund the purchase, processing, production, or packing of
goods. A firm will get a financing credit from the SBP equal to half the volume of
exports routed in the previous year if it can show export performance that is
comparable to double the utilised limit.

 Bank Assurances

The bank (the guarantor) pledges to pay the contract's beneficiary (the person holding
the guarantee) in the event that the customer breaches the terms of a contract upon
receipt of a written statement from the beneficiary (the applicant).

 Extended Exposure Times

The Long Term Finance Facility (LTF) was created to provide as a source of finance
for the acquisition of long-term assets including real estate, construction materials,
machinery, vehicles, and more. This loan is accessible for a certain amount of time,
often more than a year. Loan payments must be paid on a regular basis, such as
monthly, quarterly, or at other agreed-upon periods.

4.10 PRODUCT LINE

4.10.1 Corporate Banking and Financial Products and Services

The Corporate Banking Group of ABL defines corporate banking in Pakistan (BCG).
ABL CBG is the leader in local banking when it comes to offering cutting-edge
services to its many appreciative clients. Almost often, while discussing Pakistan's
banking sector, ABL CBG is mentioned as playing an important role.

The major goals of the Corporate Banking Team are to establish and maintain
relationships with important portfolio clients. Our "Single Window" service strategy
and high-quality products distinguish us from the competition. Due to the efforts of

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the Relationship Management team, which is comprised of highly skilled industry
professionals, ABL's client base has expanded significantly, and the company's ties
with its most valuable clients have been and are being strengthened.

CBG's focus on creating and deepening connections with foreign/local blue chip and
middle market customers has allowed ABL to beat all other local banks in the
corporate banking business. This has enabled the bank to capture a large portion of
the market despite recent sluggish economic development. In order to compete in
today's competitive and demanding climate, ABL has developed a strong appetite for
large exposures, established a specialised Structured Finance Unit, and assembled a
creative team of Corporate Banking specialists with extensive experience. The
combination of ABL's strong marketing and professionalism has allowed it to gain a
larger market share among the largest organisations, even to the extent of displacing
many Foreign Banks. In contrast to the past, when it primarily worked with
international banks, its portfolio now also consists of reputable local businesses.

4.10.2 Allied Sahulat Account Financial Statements in Pakistani Rupees

The minimum beginning deposit for a Faysl Shualt Account is Rs. 5,000. With
merely Rs. 300,000/-* in your account each month, you have access to a number of
free banking services, including the account's particular feature of a limitless
transaction capacity.

 Our nation's cash withdrawal facility allows for 365 withdrawals per year
with no minimum transaction amounts.
 There are no limits countrywide on the National Cash Deposit Facility.
 There is no minimum transaction amount.
 There are 365 days in a year, which may be categorised as follows: pay
orders, check withdrawals, ABL local network demand draughts, and storage
space (where available)

4.10.3 Allied Saving Account -Pak Rupee Savings Account

With only Rs. l0,000/, you may get started with an Allied Savings Account.
With this account, you may make as many purchases as you want, and your earnings
will be sent to you every six months. The more money you deposit into this account;
the more profit you'll make. Withholding Tax and Zakat will be applied to the profit
made.

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Saving (Basic) Avg. Bal. Rs. 10,000 Aug-Dec,2014
Rs. 0 to Rs. 25,000 0.00%
Rs. 25,001 to Rs. 100,000 0.75%
Over Rs. 100,000 1.50%

4.10.4 RozanaMunafa Plus Account Pak Rupee Special Monthly Profit Account

The Rozana Munafa + Account, which was designed to serve both individual
and corporate clients, allows customers to earn money every day and receive it each
month. Profits are calculated based on the average monthly account balance rather
than the minimum monthly level, resulting in higher rates of return. Our tiered
pricing system allows customers to save more as their income improves. To open this
account, you must deposit at least Rs 1,000,000 (for individual consumers) or Rs
500,000 (for business clients) (for corporate customers). In addition, clients may
access their accounts through any of our more than 2012 ATMs countrywide, as well
as any of our locations nationwide via our online branch network. Profits are subject
to withholding taxes and zakat in accordance with the applicable municipal
regulations.

4.10.5 Special Pakistani Rupee Savings Accounts for the Allied Premium
Account

This account provides high-value deposits attractive interest rates and a

monthly profit, subject to certain conditions. There are no limits on the number of
transactions. Individuals and businesses must each donate a minimum of 5 million
rupees. Profit is determined on an interim basis, and monthly interest is paid on the
average amount. The tiered profit structure of this account allows for greater returns
on larger investments. A client may access her account using our online banking
system from any of our over 2012 sites around the nation. In accordance with the
law, taxes and zakat are taken from your account in the same manner as other savings
accounts.

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Allied Premium (Ind. and Corporate) Avg. Bal. Rs. Aug-Dec, 2014
Rs. 0 to Rs. 5,000,000 0.00%
Rs. 5,000,001 to Rs. 10,000,000 3.00%
Rs. 10,000,001 to Rs.25,000,000 4.00%
Rs. 25,000,001 to Rs.50,000,000 4.25%
Rs. 50,000,001 to Rs. 125,000,000 5.00%
Rs. 125,000,001 and above 5.50%

Allied Premium(Financial Institution) Aug-Dec, 2014

Rs. 0 to Rs.25,000 0.005
Rs. 25,0001 to Rs. 100,000 0.00%
Rs. 100,001 and above 1.75%

Other benefits:

1. The debit/ATM card is issued for a complete year at no cost.

2. Two. With a Rs. 300,000 minimum deposit, you get a free first chequebook.

3. 3. The option to finance up to 90% of the total investment amount.

4.10.6 Cheque Encashment

Customers of ABL may cash their checks in Pakistan at a designated location.

The Cheque Encashment Facility provided by Allied Bank Limited is ideal for
customers who often travel between various places within the same city or
throughout Pakistan and would rather not carry cash. Customers may request checks
to be drawn on their ABL accounts in person or via an agent at any of the authorised
ABL branches throughout Pakistan.

Fundamental Qualities

1. This service is available to ABL customers who have Rupee PLS savings
accounts at any of the bank's authorised branches.
2. If you have an ABL account, checks sent to you or another party may be
cashed at any of the locations listed above.
3. Rs. is the maximum amount that may be written on a single check (at

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 present).
4. Customers are eligible for this service FREE OF CHARGE if their Rupee
PLS savings or Rupee Current account balance is at least Rs. 100,000 and
they physically request the check. Unless otherwise noted, the following costs
will be levied in such instances:
5. If a client chooses to cash a check at a different branch within the same city in
which they live, he or she would be charged Rs. 50.
6. When a check is submitted for payment at a bank located in a different city,
Rs 150 is added to the amount.

4.10.7 ABL Wallet

With the ABL Wallet ATM / Debit Card, customers can be certain that their
personal information is secure. The whole balance of a customer's bank account is
secure in their ABL Wallet. Customers may use the Debit Card functionality to make
cashless purchases at merchants, and ABL Wallet offers 24/7 access to ATM
withdrawals. The best in terms of features, amenities, design, and feel is ABL Wallet,
and there is no membership charge. Moreover, customers get a complimentary
cardholder.

Key Features

All the Cash You Need

All ABL customers, regardless of which branch they bank at (online or

offline), have access to ABL's ATM and Debit Card service.

Additional Nine Cards

For added convenience, ABL Wallet allows you to link up to nine other cards
to a single main card. Each additional cardholder will have the same access to ATMs
and debit privileges as the principal cardholder.

Funds Transfer

Customers with an ABL account may use the ABL Wallet to make three
different types of instantaneous money transfers at any ABL ATM:

1. Anywhere a client has an account with ABL

2. Any of the ABL accounts that have been connected before
3. To the account of any other ABL member

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 4. Upon verification, the funds are sent immediately from the cardholder's
account to the recipient’s.

Human Assistant

For the first time, a few ABL ATMs in Pakistan provide a Virtual Human
Assistant to assist users in navigating the ATM interface and completing their
transactions.

Security

Each customer's ABL Wallet is secured with a personal PIN (Personal

Identification Number), ensuring the total security of all transactions.

Concerning the Scales Questions

Customers may request information about money availability and print their
account details.

Instantaneous Proclamation

A physical copy of a customer's most recent account statement may be

requested at any time.

Need Money

Customers may quickly withdraw money by selecting a specified

denomination from the available options.

4.10.9 ABL Wallet Customer's Debit Card

Customers who choose to use their ABL Wallet as a Debit Card may enjoy
the convenience of being able to make purchases, pay for meals, and fill up their gas
tanks without ever having to carry cash. Charge the bank account of your customer
directly using their ABL Wallet. Debit card transactions are completely safe since
only the cardholder has access to the PIN (PIN). A consumer must input their
personal identification number (PIN) at the POS terminal of a company before a
debit transaction may be processed.

4.10.10 Cash Flow

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 Many clients would benefit from having access to unsecured loans that may
be repaid in any amount and at any time. Cash line, which provides loans of up to Rs.
500,000, is the most adaptable credit ABL has ever provided.

Flexible

ABL Cash line, the most adaptable credit available, now offers consumers the
opportunity to realise their dreams. The ABL Cash Line does not have prepayment
fees.

 A Cash Line from ABL may be utilised to pay the bills.

 It is straightforward for ABL Cash customers to purchase new

appliances.
 A Cash Line loan from ABL is an invaluable resource for home
improvement projects.
 With an ABL Cash Line, you may acquire all the brand-new furniture of
your dreams.
 With an ABL Cash line, any vehicle may become a dream vehicle.
 You may visit a preferred location if you have an ABL Cash line.
 7 Using the ABL Cash Line, money may be delivered to distant
recipients.
 Eighth, ABL Cash line clients may unwind and rest.

Convenient

With an ABL Cash Line, it's simple and quick to get cash. Each and every
day of the year, each day.

With every ABL Cash line account customer will get:

Cheque Book

Deposit checks drawn on the ABL Cash line at any participating ABL online
branch. To access their Cash line account, customers only need to visit any ABL
online branch in Pakistan.

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Debit/ATM Card

ABL Cash Line users have access to their funds around the clock via a
prepaid ATM/Debit card. Customers have access to funds at any location. The
benefits of ABL Cash line may be experienced at any ATM in Pakistan.

Net Banking

Customers may transfer money to anybody in Pakistan, regardless of their bank

account status or computer access. Customers may instantly transfer funds from one
ABL account to another, or they can request a Tez Raftaar Cheque to be delivered to
the doorstep of the payee in Pakistan in as little as 48 hours.

Transfer of funds

Customers get rapid access to portfolio account transfers. Knowing the related
debit and credit accounts, as well as the amounts to be moved, allows one to make
payments whenever it is most convenient.

Payments diverge as expenses increase.

ABL Cash line, the first product of its kind in Pakistan, enabling clients to
borrow more money at a cheaper interest rate. Their interest rate will decrease in
proportion to how much of their Rs. 100,000 Cash line they use.

BTF is the Balance Transfer Facility.

The ABL Cash line is accessible to all consumers with simplicity. By writing a
simple Cash line check in the name of any other institution, they may now transfer
their existing obligations to ABL Cash line and pay them off at a reduced markup.

How to Obtain an Advance Cash

1. A individual between the ages of 21 and 60 with a monthly net income of

Rs. 10,000 who is gainfully employed.
2. Or, you have a net monthly salary of Rs. 25,000 and are a professional or
company owner between the ages of 21 and 65.

Simply contact the ABL office that is most convenient for you to schedule a visit
from one of our sales professionals.

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COMPETITORS

The competitors of the Allied Bank of Pakistan are as follows:

1. Askari Bank
2. Habib Bank Limited
3. United Bank Limited
4. First Woman Bank
5. Muslim Commercial Bank
6. Bank of Punjab
7. Dubai Islamic Bank
8. National Savings
9. Saudi Pak Commercial Bank etc.

4.11 SWOT ANALYSIS

The Strengths, Weaknesses, Opportunities, and Threats (SWOT) Analysis is a

valuable method for assessing a company's strengths and weaknesses. The SWOT
analysis investigates a business's strengths, weaknesses, and potential threats. The
ABL will shortly conduct a SWOT analysis, a typical method for evaluating an
organization's strengths, weaknesses, opportunities, and threats in relation to its
external environment.

4.11.1 Strengths

 The new online banking facility given by ABL Saddar Peshawar Branch,
which is accessible from any place within the bank's network, allows users to
check their accounts in real time and transact business from anywhere in the
nation.
 The ABL Saddar Peshawar Branch provides convenient access to Inter Bank
cash transfers and requests for new chequebooks through ATM.

37
  The ABL Saddar Peshawar Branch is able to credit the income of home
remittances received from overseas to the accounts of the beneficiaries on the
same day due to the automation and internet connectivity of home remittance
calls.
 Customers with more than Rs. 1 lac in current accounts or Rs. 5 lacs in PLS
accounts at the ABL Saddar Peshawar Branch are eligible for free DD, TT,
and internet banking services.
 The ABL Saddar Peshawar Branch is the location to visit if you want fast
cash or a secure method of payment for an expensive purchase.
 As the idiom goes, knowledge could not compete with experience. The ABL
Saddar Peshawar Branch workers have sufficient banking industry expertise
to efficiently manage the bank's everyday operations.

4.11.2 Weaknesses

The following concerns pertain to the ABL Saddar Peshawar Branch.

 The majority of ABL's Saddar Peshawar Branch personnel have industry-

specific expertise. A worker who is absent cannot be covered by another
worker. When this happens, not only does the company suffer, but so do the
consumers.
 The ABL carries out many of the responsibilities of a central bank. The
manager of the ABL's Saddar Peshawar Branch has little authority over
advances. Because no one has been delegated decision-making power in his
absence, customers must often wait for hours while the manager is out of the
office. This kind of centralised decision-making is detrimental to the bank's
output and interest rate.
 The ABL Saddar Peshawar branch is not departmentalized. Customers that
lack clarity are detrimental to business.
 The ABL Saddar Peshawar Branch provides preferential treatment to large
depositors but discourages smaller depositors, who are mostly paid persons,
from doing the same. It dissuades individuals from saving in this manner.

38
  The ABL Saddar Peshawar Branch employee lacks theoretical understanding.
Individuals with varied educational backgrounds may generate challenges
despite the fact that their job is typically basic and practical. They will be less
effective as a consequence.
 Regardless of an employee's talents or the branch's success, the ABL Saddar
Peshawar Branch only grants promotions once a year.
 The Saddar Peshawar Branch does not use technology to promote itself at this
time. Customers and the general public are unaware of the bank's extensive
programme offerings.
 There is an increase in paperwork at the bank, which slows down operations
and decreases the rate at which financial transactions may be performed..

4.11.3 Opportunities

 The current worldwide control system over the movement of currencies via
unauthorised routes has helped the area where the bulk of customers of the
Saddar Peshawar Branch work, which is far from the bank. Another area is
remittances from overseas.
 This allows the ABL Saddar Peshawar Branch to start a car-financing
programme, which is both a profitable commercial venture and a much-
needed service in the area.
 ABL should take advantage of this chance to modernise its systems, while
other banks use more effective techniques for market competition. Currently,
the Saddar Peshawar Branch of ABL can only be described as satisfactory.
 Leasing provides the bank with an additional lucrative option. Here is where
they must focus their efforts.
 The contemporary era is characterised by rivalry. Consequently, the bank
must have an effective marketing strategy and campaign aimed at the local
population.
 Given the large number of jobless M. (Com) Finals, ABL has a good chance
of finding qualified candidates for a range of professional positions.

39
  Allied Bank Limited was given the chance to expand its product offerings in
order to better serve its customers.

4.11..4 Threats

 Increased competition as a result of a growth in both domestic and

international private banks in the region, each of which offers its own set of
perks.
 The rapidly expanding Islamic banking business in Pakistan, which
predominantly serves Muslims, will have an effect on conventional banks.
 For example, the government's policy of withholding 25% of all checks
exceeding Rs. 25000 puts financial institutions in grave jeopardy. Due of this,
the majority of individuals choose not to put their money in a bank.
 The banking industry's acceptance of new managerial approaches and
technical advances.
 Inconsistent commercial and economic policies implemented by the
government.
 The opposition has engaged in an intensive marketing campaign.

 A sluggish rate of industrialization, unfavourable political conditions,

inconsistent policies as a result of political instability, and problems such as
inflation, unemployment, and low income, as well as other problems
comparable to those in the home country, are among the most significant
issues.
 To make things worse, the low discount rate is adversely impacting the
advances rate, which might diminish the bank's profit.
 Since the International Monetary Fund determines interest rates, limits
imposed by the government at its request might pose a grave threat to
Pakistan's banking sector.

The SWOT Analysis reveals the present status of the bank. While
considerable effort has been made to ameliorate the situation, more must be done. To
take full use of the prospects, management may devise complicated strategic plans.

40
In order to regain the public's trust, financial institutions must operate in accordance
with accepted banking best practises and current legislation.

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 CHAPTER - 5

, CONCLUSIONS AND RECOMMENDATIONS

5.1 Conclusions

The conversation was beneficial overall, and ABL's reputation among

financial institutions has improved. The company's financial peak represents its
robust growth and promising future. While ABL provides significant advantages, it
must also overcome a number of difficulties to maintain its current position. I
enjoyed gaining real-world job experience and felt it was a good experience. I have
attempted to educate myself on every aspect of personal finance, from opening an
account to writing checks, demand draughts, and vouchers. The Allied Bank
personnel was kind and helpful, and the bank itself is unquestionably among the best
in the industry. Their financial highlights illustrate their development and potential.
Allied Bank must overcome a lot of hurdles in order to maintain its current position,
despite its many advantages. The office workforce at Allied Bank enjoys fantastic
amenities and a pleasant environment, yet I encountered prejudice due to my
education. Promotions, awards, and pay increases are all contingent on the
employee's level of expertise and require significant work. For the aim of this
research, I studied the company's financial records in depth, used standard procedures
for analysing sample sizes and ratios, and then analysed the data to draw conclusions
on the health of the SME.

You cannot possibly learn all there is to know about a company in just two
months as an intern. Each division enables a stay of around one week. As a
consequence, this section has only highlighted a few of issues and proposed a
handful of potential remedies. Concerned department officials described some of
these issues. Although ABL's office staff is compensated fairly and has a nice work
environment, I saw degree-based discrimination. Promotions, awards, and pay
increases are all contingent on the employee's level of expertise and require
significant work. However, I discovered prejudice towards low-ranking workers at
ABL; regardless of their length of service, those without a relevant degree are
overlooked. In this research, I have thoroughly analysed ABL's marketing position

42
by studying the company's financial records and used standard size analysis and ratio
calculations.

5.2 Recommendations

1. Periodically, the government reviews its monetary and fiscal policies.

Banks are required to execute changes in such a way that they do not
overlap at any time or location, since this might severely impact the
bank's entire operation.

2. Today, 24-hour cash availability is one of the most important

characteristics of a bank. To better serve its customers, ABL must
increase the number of ATMs around the country.

3. Project financing is the last component linking development and revenue.

Bank should initiate and implement effective steps to increase its national
reputation and development.

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 REFERENCES

 ABL Annual Reports 2018-2021.

 Gibson, Financial Statements Analysis, 11th Edition, page 211.

 Gitman Financial Management 9th Edition, McGraw Hill publishers.

 http//.www.abl.com.pk

 Nasir, M.S Money & Banking, 3rd Edition.

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