BBA-2014 (Morning)

Sherjil Tahir S-14

1060
Raheel Gohar S-14
1103
Shahzaib Ali S-14
1011
Hassan Ali S-14 1133
 Acknowledgement
First of all a bundle of thanks for Mam Shumaila , who gave
us such a great opportunity from which we learned how to get
interaction with a company and what is the procedure that will
be followed in work field. It is all about the encouragement and
she encourages us very well.
We are very thankful to team of ABL (Napier Road Branch)
who helps us to complete our project. Without their co-
operation, we were unable to complete our work.
We are also very thankful to , on whose reference we were able
to get in ABL for getting information relating to our project
A special thanks to Mr. Sabir Habib (Managing Director of
ABL) who gave us a very warm welcome to our questions and
provide us very useful information pertaining to our project.
 Interview
On 23rd April 2015,
interview was held in
Allied Bank Napier Road
Branch with Mr. Sabir
Habib Managing Director
of Allied Bank Napier
Road Lahore.
 INTRODUCTION
Allied Bank with its Registered Offices in Karachi
and Lahore is one of the largest banks within the
country
It has 830 branches connected to an online network.
It was the first Muslim Bank Established in Pakistan
before Partition (1942) with the name of Australasia
Bank at Lahore.
Australasia Bank was the only fully functional Muslim
Bank on Pakistan territory on 14th August
In 1974, the Board of Directors of Australasia Bank
was dissolved and the bank was renamed as Allied
Bank of Pakistan.
From 1974-91 (Nationalization), bank made a rapid
progress and branches network increased to 748 with
three branches in UK
As a result of privatization in September 1991, Allied
Bank entered in a new phase of its history, as the
worlds first bank to be owned and managed by
its employees
In August 2004 the Bank was restructured and the
ownership was transferred to Ibrahim Group
 ABL TODAY
Now a days ABL has the largest network of online
branches in Pakistan.
ABL online branches accounts for 12% of the market
share amongst the online branches in the country.
ABL provides general banking services to agricultural,
industrial and individual customers throughout Pakistan.
The bank offers a full range of retail, commercial and
corporate banking services with a focus on service
delivery through technology.
The bank also conducts international operations in UK
whereby it caters to the needs of the bank's domestic
corporate and other customers in financing import and
export transactions
ABL has highest number of ATMs, which increased to 601
at December 31, 2011 covering 145+ cities whereby,
making it the widest geographical coverage for ATM-
based service amongst all the banks in Pakistan.
Allied Bank has also been adjudged as "best bank" of
2009 by CFA Association of Pakistan in its 7th Annual
Excellence Awards.
It has also been ranked 1st in Pakistan and 9th globally
by the Banker Magazine, UK for yielding best profits on
capital.
 OBJECTIVES

Allied Bank has following objectives:

Prime focus to earn profit by providing
values to its customers
T o provide superior services to its
customers
T o provide assistance in the
development of the commerce and
trade industry
Focus on blending skills and
experience towards creating an
enabling environment
Core focus is to inculcate a culture of
collaboration intended to deliver world
class customer service
 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.
 DEPARTMENTS
ABL has following
Departments:
Cash Department
Deposit Department
Clearing department
Advances Department
Remittance Department
Human Resource
Department
Technology Department
Account Opening and
Closing Department
COMMUNICATION
PROCESS OF
ALLIED BANK
LIMITED
 COMMUNICATION PROCESS IN
ALLIED BANK
Communication may be defined as the transfer of
information from sender to receiver, with the
information being understood by the receiver.
The communication function is the means to unify an
organized activity, through transfer of information
from one individual to another, or from one system to
another. According to Allied Bank Limited
They define communication by focusing on three
objectives:
A = Attention
B = Brief
C = Clarity
 IMPORTANCE OF
COMMUNICATION
Communications is the means by which
people are linked together in an
organization to achieve a common
purpose. Indeed group activity is
impossible without communication
because coordination and change would
not be effected. Sociologists and
psychologists have also realized the
importance of communication in
interpersonal relationships, and have
focused their study on communication
networks.
Allied Bank give more importance to
communication because they emphasize
On Attention, Brief & clarity of
communication & ABL retain customers
through proper communication.
 PURPOSE OF
COMMUNICATION
The purpose of communication in an
enterprise is to effect change. In an
organization, there can be two types of
communication, i.e. internal and external.
Internal communication means
communication within the organization,
whereas external communication is the
communication with the outside
environment.
INTERNAL COMMUNICATION
IN ALLIED BANK

Internal communication of
Allied Bank Limited is mainly
downward, but upward and
crosswise communication is
also encouraged. Establish
and disseminate goals of the
organization.
To develop plans for
achievement of these goals.
To organize human and other
resources effectively and
efficiently.
To select, develop, and
 Means of Internal
Communication

E-mails
Faxes
Letters
Reports
Memo
Telephones
Conferencing
Meetings
 Continued..
Following are the channels that ABL use to communication
within the organization.
The most important channel they focus to communicate is E-
MAILS. All work is done through EMails.ABL have in-house E-
Mails system that is directly connected with Karachi & Lahore.
This E-mail system is design by their .IT department who is
responsible for controlling it & gives access to each & every
person within the organization.
They communicate on daily basis internally & externally both
to Communication more clearly & correctly.
And the other work is done by using different channels that are
letters, reports etc. Different types of reports are prepared on
suggestions or recommendations on personnel, activity
execution time and plans for overcoming the difficulties.
 EXTERNAL
COMMUNICATION IN ABL

External communication
helps the managers of ABL
to become aware of:
The needs of customers.
The availability of suppliers.
The claims of stockholders.
The regulations of
government
The concerns of the
communities
MEANS OF EXTERNAL
COMMUNICATION

Toll free Number UAN

Video Conferencing
Audio Conferencing
Web-site(static)
Newspaper
Marketing mobilization
Letters
 Continued..
These are the channels that AB uses to communicate with external
environment that includes customer, suppliers, stockholders &
government etc ABL Communicate with their customers in a better
way & correctly to retain their customers.
Their objective is communicates clearly with customers. For this
they provide facilities to their customer such as a TOLL free Number
through this customer gets information regarding their Accounts &
services or anything they want to know. By communicating in that
way ABL gain the loyalty of customers. Even no little confusion
occur in communication because while communicating with
customer or making any contract they confirm it many times. So
less chances of misunderstanding occurs. Letters are written to the
customers as well as to other external agencies like suppliers,
taxation authorities, governmental regulatory bodies etc.
 How Communication Process
improves more?

Allied Bank can improve its inter and intra

communication by adding feedback in
inside communication and increasing
feedback in outside communication.
There should be work through mutual
understanding and behavior rather than the
orders.
There should be suggestions by the
members more than just comment cards.
 FEEDBACK
Strengths :

Business communication channel

mainly based on EMAILS
Friendly environment
Strong communication channels
Strong IT system for communication
less chances of error in communication

Weaknesses :

Lack or customer awareness through

advertising
Technical personnel have less
command on effective business writing
 CONCLUSION
Developing a communication
strategy and its
implementation in an efficient
and effective manner is quite
beneficial for an organization.
Need to be transparent about
your goals and values.
Consistency has to be
maintained.
Need to adopt comprehensive
& persuasive methods for that.
All this needs a long term
focus.