Internship Report Lcwu

7/23/2019 Internship Report Lcwu

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INTERNSHIP REPORT

ON

ALLIED BANK PRIVATE LIMITED

Saleeja Fatima

Department of Management Siene!

La"ore #ollege for $omen %ni&er!it'

()*+

0



1



In The Name Of

Most Merciful and Compassionate, the Most Gracious and Beneficent whose help and guidance I always

Solicit at every step, at every moment

2



! "eport on !llied Ban# Operations

Su$mitted $y%

Salee&a 'atima

"oll no%

(()

*ear of su$mission%

)+-

Su$mitted to%

Miss 'o.ia

/epartment of management sciences

lcwu

3



title of t"e report

S,-mitte. -' or.inator regi!trar

Saleeja fatima Mi!!/ Fo0ia 1111111

4



DE#LARATION

An Internship report submitted to the department of Management sciences, Lahore College for

Women University, Lahore in partial fulfillment of the requirement for the degree of BBA

5



DEDI#ATION

I dedicate all my efforts and struggles of the educational life to my dear parents, !ithout them

I"m meaningless Also I devote the !or# of this internship report to respectable and honorableteachers !ho taught and supported me in developing my personality as a competent professional

6



Contents 0ist%

• $%ecutive &ummary ''''''''''(

• Introduction'''''''''''''))• *istory of ABL'''''''''''')+

• Logo, &logan''''''''''''')

• -ision ''''''''''''''').

• Mission ''''''''''''''')/

• Mar#et standing'''''''''''')0

• Branch 1perations Chart''''''''+)

• Corporate profile''''''''''''')2

• Management hierarchy'''''''''')3

• 4olicy formation process''''''').

• Mar#eting mi% '''''''''++

• 4roducts 5 services

• 6inancial statement

• &W17 analysis

• 7raining program

• 4roblems

• recommendations

• Conclusion''''''''''''''+

• 8eferences''''''''''''''+.

7



Executive Summary:

A position of the business and financial performance of an organi9ation !hich facilitates

strategic decision ma#ing for the management is a #ey resource for investors in today:s

!orld Although, I don:t have any hands;on e%perience in carrying out such an analysis but I believe that the academic #no!ledge After being clear in mind on !hich topic to

!or# on, choosing a Ban# for carrying out a business and financial analysis !as another

hard but an important decision 7he analysis could only be effective and made attractive

for the reader if sufficient data !as available for the organi9ation chosen, so I choose

Allie. Ban2 Lt.3 4reen To5n/

Before the #no!ing of ban# operations and functions, it is important to #no! its *istory,

previous financial condition, its gro!th level etc &o its *istory sho!ed that Allied Ban#

Limited, made a hard struggle and developed its financial condition In pre;Independence *istory prove that Muslims are successful ban#ers

7oday, Allied Ban# is moving to!ards strong development Its financial position of

current year sho!s that Allied Ban# has large assets and investment as compared to

previous years 7he Ban# stands on a solid foundation of over ./ years of its e%istence

having a strong equity, assets and deposits base offering universal ban#ing services !ith

higher focus on retail and &M$ ban#ing 7he ban# has the largest net!or# of on;line

branches in 4a#istan and offers various technology based products and services to its

diversified clientele through its net!or# of more than .<) branches

In +<)), ABL received the follo!ing t!o 4restigious a!ards fortifying its place as a #ey

player in the Ban#ing Industry 7he Ban#ers Maga9ine =Ban# of the >ear +<)) ABL

received this prestigious a!ard ABL has fast online ban#ing system Although , ABL

performing at best level but there are some problems !hich are facing by employees, and

the ban# But these problems can be sought out through management, compensation to

employees and training seminars

8



PREFA#E

We are living in a time of e%traordinary change 7he environmental and economic threat isfrightening large on the entire sphere of 4a#istan economy 4a#istani firms must design andma#e better products and services and should find better !ays to mar#et them What !as once

regarded enough is no longer competitive What !ere once limitless resources are no! to be

used more efficiently 7oday an organi9ation is on the leading edge I have tried my best to peep

into the generic as !ell as real cumulative problems faced by the pioneer of ban#ing industry in4a#istan &everal chapters have been included in the report but they seem to be very

conventional in nature giving supplementary ?ustification to the fact that ABL is the most

conventional of the conventional ban#

9



INTROD%#TION

ABL is one of the largest ban#s in 4a#istan, serving the Country for over .<years in all spheres

at ban#ing and financial &ervices

10



HISTOR6 OF ALLIED BANK PAKISTAN

Allied Ban# !as the first Muslim ban# to have been established in 4a#istan $stablished in@ecember )(3+ as the Australasia Ban# in Lahore !ith a paid;up share capital of 8s <)+

million under the Chairmanship of ha!a?a Bashir Bu%, the Ban# attracted deposits equivalent

to 8s <32) million in its first eighteenmonths of business At the time, the Ban# s total assets amounted to 8s </+‟

million 7oday, Allied Ban#:s paid up Capital 5 8eserves amount to 8s )<billion, deposits

e%ceed 8s )32 billion and total assets equal 8s )/< billion

T"e Pre In.epen.ene Hi!tor' 7*89( to *89:;

In the early )(3<s, the Muslim community !as beginning to reali9e the need for its active participation in the fields of trade and industry &ince the late )00<s,*indus had established a

commanding presence in the areas of industry, trade and commerce and !ere especially

dominating in the &ub;continent area Ban#ing, in particular, !as the e%clusive forte of *indus

and it !as popularly and !rongly believed that Muslims !ere temperamentally unsuited for this profession

A,!trala!ia Ban2 7*89: to *8:9;

Australasia Ban# !as the only fully operational Muslim ban# in 4a#istan on August)3th, )(3/ *o!ever, it !as severely hit by the riots in $ast 4un?ab 7he Ban# !as identified

!ith the 4a#istan Movement At the time of independence all the branches in India, Amritsar,

Batala, alandhar, Ludhiana, @elhi and AngraAgraDD !ere closed do!n Ee! branches !ere

opened in arachi, 8a!alpindi, 4esha!ar, &ial#ot, &argodha, hang, Fu?ran!ala and asurLater, the net!or# spread to Multanand Guetta as !ell 7he Ban# financed trade in cloth and

food grains thus, played an important role in maintaining consumer supplies during the early

months of )(30 affected by riots @espite the difficult conditions prevailing andthe substantial set bac# in the Ban# s business in India, Australasia Ban# made a‟

profit of 8s <,<<< during )(3/;30 By the end of )(/< it had )<) branches Unfortunately, it

lost ) branches in the separation of $ast 4a#istan But the Ban# did !ell despite losing a lot ofits assets and by the end of )(/2 had )0.branches in West 4a#istan

Allie. Ban2 7*8:9 to *88*;

In )(/3, the Board of @irectors of Australasia Ban# !as dissolved and !as renamed Allied

Ban# 7he first year !as highly successfulH profit e%ceeded 8s)< million, deposits rose by over

< percent and approached 8s )3.< million Investments rose by /+ percent and advancese%ceeded 8s )<0< million for the first time in the ban#ing history )). ne! branches !ere

opened during )(/3 and

the Ban# started participating in the Fovernment s spot procurement agriculture‟

program

7hose seventeen years sa! a rapid gro!th for the Ban# Branches increased from 22in )(/3 to

/30 in )(() @eposits rose from 8s )3. billion and Advances 5 Investments from 8s )23

billion to 8s ++ billion during this period It also opened three branches in the U

11



Allie. Ban2 7*88* to ())9;

As a result of privati9ation in &eptember )((), Allied Ban# entered a ne! phase,

and became the !orld s first ban# to be o!ned and managed by its employees In )((2 the =6irst Allied Ban#‟

Modaraba 6ABMD !as floated After privati9ation,Allied Ban# became one of the premier financial institutions of 4a#istan Allied

Ban# s capital and reserves !ere 8s )+ billionH its assets amounted to 8s‟

0/2. billion and deposits to 8s /.<20 billion Allied Ban# en?oyed an enviableposition in4a#istan s financial sector and !as recogni9ed as one of the best‟

amongst the ma?or ban#s of the country In August +<<3, as a result of capital

reconstruction, the Ban# s o!nership !as transferred to a consortium comprising‟

Ibrahim Leasing Limited and Ibrahim Froup 7oday, the Ban# stands on a solid foundation builtover .2 years of hard !or# and dedication, giving it a strong equity, an asset and deposit base

and the ability to offer customers universal ban#ing services !ith more focus on retail ban#ing

7he Ban# has the largest net!or# of online branches in 4a#istan and offers various technology;

based products and services to its diverse clientele through its net!or# of more than /<< branches

Allie. Ban2 7()*) to Date;

In May +<)<, Ibrahim Leasing Limited dissolved and the company !as vested into Allied Ban#Limited ALL the shareholders !ere issued ABL shares insteadof the all shares held by them An

application for the listing of ABL shares in all the &toc# $%change Companies of 4a#istan !as

madeH ABL !as formally listed

and the Ban# s share trading began on the follo!ing datesJ‟

K

Islamabad &toc# $%change0th August +<)<K

Lahore &toc# $%change)<th August +<)<

Karachi &toc# $%change)/th August +<)<7oday, all Allied Ban# Limited shareholders can trade

i

n the Ban# s shares at‟

their !ill

B,!ine!! P"ilo!op"'

12



O,r #orporate Soial Re!pon!i-ilit' p"ilo!op"' 7#SR; "a! fo,!e. aro,n. !ome 2e' area!

o&er t"e 'ear!3 !," a! e.,ation3 "ealt"are3 !port! promotion3 en&ironment3 promotion of

art an. arti!t!3 !taff 5elfare an. engaging t"e !taff in "ealt"' ati&itie!

13



0ogo of !llied Ban#%

Slogan%

1ap #ay sath sath22

14



3ision%

7o become a dynamic and efficient ban# providing integrated solutions in order to be the firstchoice ban# for the customers

15



Mission%

7o provide value;added services to our customers

7o provide high;tech innovative solutions to meet customer"s requirements

7o create sustainable value through gro!th, efficiency and diversity for all

sta#eholders

16



Mar2et Stan.ing

7he Ban# has sei9ed numerous opportunities along the !ay and is ready to do it again !ithout

losing sight of strategic goals, balanced product mi%, careful ris# management and effective cost

control measures

7oday Allied Ban# stands as one of the 4a#istan"s largest ban#s !ith a broader foot print, steady

domestic mar#et share and over )+,<<< employees 7he years have been punctuated !ith several

milestones, some more important than others, but all helping to turn Allied Ban# into a +)st

century financial institution

Depo!it! Rs. 667.9 billion (2013: Rs.608.4 billion)Up by

)<

Loan! < In&e!tment! Rs. 734.8 billion (2013: Rs. 630.4

billion)

Up by

)/

Total A!!et! Rs.842.3 billion (2013: Rs. 734.2 billion)Up by

)

Profit (After Tax)(2013: Rs. 14.6 billion) ) Billion

EPS (2013: Rs. 12.79 ) )2))

ROE (2013: 30% ) +.

17



MANA4EMENT S6STEM

Ban#s are managed by board of director or similar group of men !ho areresponsible to the

o!ners, creditors and the government for the !ell being oftheir institutions 7he governmentselects all or some of directors of ABLManagement of ABL are given as follo!sJ

Asim 7ufail

Froup Chief, Consumer 5 4ersonal Ban#ingD

6areed -ardag

Chief 8is# 1fficerD

Iqbal aidiFroup Chief, ComplianceD

Mohammad Abbas &hei#h

Froup Chief, &pecial Assets ManagementD

Mohammad Aftab Man9oor

Chief $%ecutive 1fficerD

Muhammad a!aid Iqbal

Froup Chief, Corporate 5 Investment Ban#ingD

Muhammad &hah9ad &adiq

Froup Chief, Audit 5 C88D

Muhammad >aseen

Froup Chief, 7reasuryD

Mu?ahid Ali

Froup Chief, Information 7echnologyD

&hafique Ahmed Uqaili

Froup Chief, *uman 8esourcesD

18



ha!a?a Mohammad Almas

*ead, Core Ban#ing 4ro?ectsD

7ahir *assan GureshiChief 6inancial 1fficerD

7ariq Mehmood

Froup Chief, 1perationsD

Waheed ur 8ehman

Company &ecretaryD

ia I?a9

Froup Chief, Commercial 5 8etail Ban#ing

19



Branch Organi.ation chart%

20

Branch

Manager

Customer

Service

MG-10(Day

End/calling)

MG-11(Day

End/ calling)

M!(CD

"ncharge)

M!(Clearing

o#cer)

M!($M cash

%oo& o#cer)

M!($ccount

o'ening

Cashiereller

Messenger



Corporate profile

21



Management hierarchy

22

CE!

Senior

Eecutive

Senior vice

resident

Eecutive

resident

$ssistant viceresident

!riginal

Branch

BranchManager



STAFF ORDER OF FAISAL TO$N BRAN#H

7he staff order of the 6aisal to!n branch is as follo!sJ

Branch manager

Customer service manager

1fficer

7eller

Cashier

Messenger

23



Poli' Formation proe!!

Pri&a' Poli'

7his 4rivacy 4olicy outlines ho! Allied Ban# Limited manages its customer"s personalinformation received through !!!ablcom It also describes the sorts of data held, including

ho! it is gathered, maintained, used, and disclosed

We encourage visitorsNclients to chec# ABL"s corporate !ebsite for any updates to the Ban#"s

4rivacy 4olicy

#olleting Per!onal Information

ABL collects only personal information necessary for the Ban# to conduct its business operation

7he Ban# obtains information from the follo!ing sourcesJ

• Information received from Complaints, $nquiries, 8equests, &uggestions, and Write to

Us forms

• Information received from ob Applications

• Information authori9ed by clients to us, to resolve their queries or revie! their online

transactions !ith us

%!ing #lient=! Information

7he Ban# may use personally identifiable data collected through !!!ablcom toJ

• Contact UsersNClients regarding products and services offered by Allied Ban# Limited

• $nhance Users" e%perience, 5

• 6or research regarding the effectiveness of the !ebsite, mar#eting campaigns, and

advertising and sales efforts

Maintaining #lient=! Information

ABL recogni9es that the proper use and safeguarding of personal information is an important

social responsibility As such, ABL ma#es every effort to ensure that customers" personal

information is properly used and safeguarded !ith industry standard security measures

24

http://www.abl.com/

http://www.abl.com/contact-us/complaints/

http://www.abl.com/contact-us/enquiries/

http://www.abl.com/contact-us/requests/

http://www.abl.com/contact-us/suggestions/

http://www.abl.com/services/customer-support/write-to-us/


http://www.abl.com/contact-us/complaints/

http://www.abl.com/contact-us/enquiries/

http://www.abl.com/contact-us/requests/

http://www.abl.com/contact-us/suggestions/



http://www.abl.com/



Proteting #lient=! Information

7he Ban# stores and manages client"s personal information, endeavouring to #eep it current and

accurate, !hilst employing appropriate security measures and safeguards to prevent data

lea#ages

ABL also maintains necessary supervision and oversight of resources deployed on !!!ablcom

!ho handle personal information

@isclosure to 7hird 4arties

ABL .oe! NOT .i!lo!e per!onal information to t"ir. partie! 5it"o,t t"e ,!tomer=!

on!ent3 ,nle!! ompelle. -' la5 to .o !o/

ABL reserves the right to modify this 4rivacy 4olicy or any part thereof at any time, ta#ing into

account ne! developments in information technology, changes in societal demands, and otherrelevant factors 7hrough these efforts, the Ban# aims to improve management of its customers"

personal information in a more efficient manner 4lease chec# this policy from time to time for

any changes

Managerial poliie!

Senior Le&el Management po!ition in ABL

Allied Ban#, !ith its e%istence of /< years, has built itself a foundation !ith strong equity, assets

and deposit base 7he Ban# has a ma?or net!or# of (.) O online branches and /(3O A7Ms in

4a#istan Allied Ban# requires the follo!ing accounting professionals to fill in vacant positions

in its Audit function in the cities of arachi, Lahore and Islamabad

Senior Le&el Management Po!ition Eligi-ilit' #riteria

>,alifiation?

Associate Chartered Accountants ACAD or 6ello! Chartered Accountants 6CAD

E1periene?

25



At least )< years of e%perience at senior level management position in finance, accounting,

compliance or audit functions

Age?

Ma%imum < years as on uly 2),+<).

Main Re!pon!i-ilitie!

• 7o lead any Audit sub function !ithin the Audit 5 8is# 8evie! areaH

• 7o manage, motivate and train all staff to ensure that they possess requisite s#ills for

e%ecution of their ?ob responsibilitiesH

• 7o revie! and evaluate ban# !ide policies, product programs, systems and procedures

prior to their implementation and recommend necessary changesH

• 7o revie! and evaluate the day to day affairs of the ban# to establish that all policies,

systems, procedures and directivesNdecisions of the Bo@ as !ell as Board &ub Committees are

fully implemented, !hile ensuring adherence to la!s and regulationsH

• 7o identify and highlight control gaps and recommend improvements in internal control

systemsH

• 7o revie! and evaluate the accuracy and reliability of day to day transactions and other

financial records to establish unusual transactions, misappropriation of assets, frauds and

forgeries simultaneously ensuring that appropriate action is ta#en by the managementH

• 7o revie! management and financial information systemsH

• 7o ensure adherence to the audit plan and timely issuance of audit reportsH

• 7o conduct internal control evaluation and ris# assessments to identify gaps and areas

requiring management intervention to prevent frauds, embe99lements, misappropriations,

misuse and !astage and ensuring that ob?ectives of the organi9ation are achieved

economically, efficiently and effectivelyH

• 7o prepare plans based on audit assessments including tas#s, assignments and timelines

for completion for each tas# and main activities, personnel to be employed, and reporting

results of audit

• 7o conduct any other related tas# that may be assigned by the management

• Middle Level Management 4ositions $ligibility Criteria

26



>,alifiation?

Association of Chartered Certified Accountants ACCAD andNor Associate Chartered

Management Accountants ACMAD or Chartered Accountants CA interD part qualified

E1periene?

At least <+ years of e%perience e%cluding the article;ship !herever applicable at middleN?unior

level management position in finance, accounting, compliance and audit functions

Age? Ma%imum 3< years as on uly 2),+<).

Main Re!pon!i-ilitie!

• 7o perform audit tests in line !ith engagement plans, branch audit chec# lists and to draft

e%ceptionsNaudit observations accordinglyH

• 7o discuss audit findings !ith Auditee and to draft audit reports accordinglyH

• 7o vigilantly assess the associated ris#s !hile performing audit activities and to perform

additional tests, !here requiredJ 7o e%ecute audit of branches and to allocate functional

activities to team membersH

• 7o monitor audit proceedings to ensure completion of engagement !ithin the Allocated

time• 7o ensure that !or#ing papers of branch audits include appropriate audit evidences in

support of the conclusions reachedH

• 7o prepare and to discuss draft audit reports, preliminary audit ratings !ith branch

management and to obtain their acceptancesH

• 7o obtain various auditNinvestigation reports revie!ed by line management and GAH

• 7o conduct any other related tas# that may be assigned by the line management

If you fulfill the eligibility criteria, as mentioned above, and have a desire to gro! in ban#ing

career !ith a strong !illingness to ta#e up the challenge, please apply to the Chief, *uman

8esource, Allied Ban# Limited, by sending your resume in Microsoft Word 6ormat as an

attachment to the email address careersPablcom, latest by Monday, uly </,+<)3

4lease note that only the shortlisted candidates shall be contacted

Allied Ban# is an equal opportunity employer and encourages females and minorities to apply

27



*ard copies of C-s by mail or through courier, as !ell as phone calls, shall not be entertained

and !ill be considered as a disqualifier

7he Ban# reserves the rights to accept or re?ect any applications !ithout assigning any reasonsD

thereof

28



MARKETIN4 MI@

7he mar2eting mi1 refers to the set of actions, or tactics, that a company uses to promote its

brand or product in the mar2et

ABSTRA#T

Bank marketing in general and Customer Relationship Management CRM! in

parti"ular are o# $ital importan"e #or %ndian &anks' parti"ularl( in the "urrent

"onte)t *hen &anks are #a"ing tough "ompetition

#rom other agen"ies' &oth lo"al and #oreign' that o+er $alue,added ser$i"es-

.he Role o# marketing in the &anking industr( "ontinues to "hange- /or man(

(ears the primar( #o"us o# &ank marketing *as pu&li" relations- .hen the

#o"us shi#ted to ad$ertising and

sales promotion- .hat *as #ollo*ed &( #o"us on the de$elopment o# a sales "

ulture- .oda( &ankingse"tor all elements o# the marketing "on"ept

"ustomer satis#a"tion' prot integrated #rame*ork and so"ial responsi&ilit(

are all euall( important- hen appl(ing marketing to the &anking industr('

the &ank marketing strateg( "an &e said to in"lude the #ollo*ing,

$er( "lear denition o# target "ustomers

.he de$elopment o# a marketing mi) to satis#( "ustomers at a prot #or the

&ank-

lanning #or ea"h o# the sour"e markets ea"h o# the use markets- Main

prin"ipal aspe"ts o# Bank Marketing are, Customer riented :er$i"es' ;esign

;eli$er( o# :u"h :er$i"es Corporate &<e"ti$es o# the Bank' =n$ironmental

ther Constraints-

.hese"ond element in #ormulation o# marketing strateg( in &anking se"tor is

de$elopment o# proper marketing mi) produ"t' pla"e' pri"e' promotion'

people' pro"ess' ph(si"al e$iden"e! so as to satis#( the needs o# the target

group o# "ustomers- ith the help o# 4Cs "ustomer solution' "ustomer "ost'

"ommuni"ation' "on$enien"e! use o# marketing mi) in &anking se"tor is

in"reasing da( &( da(- .he &ank marketing mi) "on"ept is $er( important #or

29



e$er( &ank in tough "ompetition- >se o# 7p and 4" #or &ank and

implementation o# these "on"epts in &anking se"tor sho*s the Role o#

marketing in &ank in present =ra- %n &ank marketing' marketer uses &oth

?Colle"ti$e@ and ?:ele"ti$e@

approa"h to attra"t and "on$in"e the target "ustomer -%t

isthe aggregate o# #un"tions' dire"ted at pro$iding ser$i"es to satis#( "ustom

ers nan"ial and other related! needs and *ants' more e+e"ti$el( and

eA"ientl(-

Ke'5or.!?

Bank Marketing Mi)' :o"ial Responsi&ilit(' Colle"ti$e :ele"ti$e approa"hes'

Customer Relationship Management-

INTROD%#TION

.he Role o# marketing in the &anking industr( "ontinues to "hange- /or man(

(ears the primar( #o"us o# &ank marketing *as pu&li" relations- .hen the

#o"us shi#ted to ad$ertising and sales promotion- .hat *as #ollo*ed &(

#o"us on the de$elopment o# a sales "ulture- lthough all the elements o# the

marketing "on"ept "ustomer satis#a"tion' prot integrated #rame*ork and

so"ial responsi&ilit( *ill remain important' "ustomer satis#a"tion must

re"ei$e the greatest emphasis in the (ears ahead- .he "hie# "on"erns o#

most &ank e)e"uti$es still #o"us on legal and regulator( issues' a""ording to

most sur$e(s- Communit( &anks are parti"ularl( "on"erned *ith eliminating

&arriers that gi$e un#air ad$antages to nan"ial ser$i"es "ompetitors' su"h

as "redit unions- o*e$er' another "on"ern pertains to te"hnolog(-

30



Mar2eting #onept!

%ts appli"ation to Banking' *hen *e appl( marketing to the &anking industr('

the &ank marketing strateg( "an &e said to in"lude the #ollo*ing

$er( "lear denition o# target "ustomers-

.he de$elopment o# a marketing mi) to satis#( "ustomers at a prot #or the&ank- lanning #or ea"h o# the sour"e markets ea"h o# the use markets

Bank needs to &e dou&l( market oriented it has to attra"t #unds as *ell as

*ere o# #unds ser$i"es- rganiDation dministration

31



Mar2eting

Marketing is the sum o# all a"ti$ities that take (ou to sales- Marketing is all

a&out "reating a pull' sales is all a&out push and a&out managing the #our s

produ"t

pri"e

pla"e

promotion

32



33



Allie. Ban2 Limite. categori9es its 4roducts and services into three typesJ

• 4ersonal Ban#ing

• Business Ban#ing

• &ervices

Per!onal Ban2ing?

Life !t'le Ban2ing E&er' .a' Ao,nt

Sa&ing an. Term Depo!it!

#re.it an. De-it #ar.

Dome!ti Remittane CPa' an'one

In!,rane

E Ban2ing Ser&ie!

B,!ine!! Ban2ing?

Tran!ation! Ao,nt?

Tra.e Ser&ie!

SME Finaning

#a!" Management Sol,tion

Home Remittane to Pa2i!tan

#ooperate an. In&e!tment Ban2ing

In&e!tment -an2ing?

@ebt syndications 5 Capital mar#ets,

4ro?ect finance

Advisory des#s

34



#orporate -an2ing?

Wor#ing capital loans

7erm loans

Ser&ie!?

Follo5ing are t"e !er&ie! pro&i.e. -' t"e Allie. Ban2?

Bran"e! an. ATM?

With branches across 4a#istan and one of the largest ban#ing machine net!or#s in the country,

you"ll al!ays have quic# and convenient access to your ABL Accounts and our !ide array of

ban#ing services

$%plore the services !e offer in;branch and at our full service A7Ms

In-ran" !er&ie!?

• 1pen a ne! account

•

Withdra!, deposit and transfer funds• Apply for @ebitNcredit card

• Convert one currency into another

• 8equest ban# statement

• 8equest a ban# draft

• Ma#e a bill or credit card payment

• 8ent a safe deposit loc#er, and more

Account holders of all online branches can obtain Allied CashO&hop -isa @ebit Card for use at

A7Ms as !ell as at 41& terminals By using your Allied @ebit Card at ABL A7M, you can perform the follo!ing activitiesJ

ATM FEAT%RES?

• Withdra! cash up to your daily limitD

• 7ransfer money bet!een your accounts

35

https://www.abl.com/personal-banking/credit-debit-cards/allied-bank-credit-card/

https://www.abl.com/personal-banking/credit-debit-cards/allied-bank-credit-card/



• Ma#e bill payments, and credit card payments for ABL Credit Cards onlyD

• Ma#e deposits through selective 3 ABL A7Ms onlyD

• Fet mini;statements for your ban# and credit card accounts, and more

E1ten.e. "o,r! -an2ing?

ABL is pleased to offer $%tended *ours Ban#ing &ervices for its valued customers, !ith an aim

of accommodating their busy schedules and ma#ing their modern;day ban#ing tas#s even

simpler 5 easier + selected branches !ill remain open from (J<<am to 0J<<pm from Monday

to 6ridayD and from (J<<am to J<<pm on &aturdays across the country

eeping the doors open for $%tended hours services reflects our commitment of continually

providing better financial solutions and tailored;services centered around our customer

requirements, !hich !ill enable them to do ban#ing at convenience !hilst suiting their life;cycle

needs

7he branches !ill continue to offer regular ban#ing services e%cept 6Q transationsD during

e%tended hours, !hich includeJ

• Cash receipt transaction

• Cash payment transaction

• 1nline transactions

• Collection of utility bills

• Issuance of demand draft N pay order

• Clearing of cheque and other related instruments, and other ban#ing services

Online -an2ing?

=n<o( Real,time nline Banking ser$i"e at an( llied Bank Bran"h- llied Bank is the

onl( &ank in akistan o+ering 100E online &ran"h net*ork- here$er (ou go

around the "ountr(' (ou "an a""ess and do transa"tion through (our BF &ank

a""ount #rom an( llied Bank Bran"h-

36



• @eposit Cash for instant credit into the account

• Withdra! Cash through cheque from any ABL Branch

• Ma#e Balance $nquiry and get Account &tatement from any Allied Ban# Branch

• 7ransfer funds from one ABL account to any other ABL account across the country

Ma%imi9e the productivity of your business or financial management !ith Allied Ban#"s 1nlineBan#ing facilities It is a secure, efficient and convenient !ay to collect your payments faster,

optimi9e the timing of disbursement of funds, and maintain better control over your funds

Safe Depo!it Lo2er!?

Loc#ers are available at Allied Ban#"s branches for all our account holders !ith singly as !ell as

?oint operating instructions As an additional security and trac# recording, !henever our account

holders visit their loc#er, they are supervised by our cordial staff along !ith the verification of

signatures to ensure safe, verified and vigilant entry

If you are an Allied Ban# Account holder, contact your branch and avail the loc#er facility no!

&ome #ey features and charges of Allied Ban#"s safe deposit loc#ers areJ

KE6 FEAT%RES?

• Wide Availability

• Loc#ers are insured according to their si9e

• 4rivacy and comfort to operate loc#ers

• Loc#ers available in various si9es ie &mall, Medium , Large and $%tra Large !ith

fle%ible rental fee

• Loc#ers are rented out for a minimum period of one year

• 7he rent !ill be recovered from your deposit account maintained !ith us

#HAR4ES

&8R * ( 9

Loc#er &i9e &mall Medium Large $%tra Large

Annual Loc#er8ent

8s2,<<<N;

8s3,<<<N;

8s ,<<N; 8s /,<<<N;

OR

&ecurity @eposit8s3<,<<<N;

8s/<,<<<N;

8s)<<,<<<N;

8s)+,<<<N;

37



%tilit' -ill! pa'ment?

Allied Ban# facilitates you pay your utility bills by offering numerous ban#ing channels Choose

as per your convenience, for the payment of follo!ing billsJ

%tilit' Telo Internet

Credit Card 47CL -fone 47CL $vo 4repaid

$&C 7elenor 4repaid 47CL $vo 4ostpaid

L$&C1 7elenor 4ost4aid Wateen

47CL Landline Ufone 4repaid Wi;tribe

47CL @efaulter Ufone 4ostpaid

&EF4L Warid 4repaid

&&FC Warid postpaid

ong 4repaid

ong 4ostpaid

AT ABL BRAN#HES?

4ay your utility bills over the counter at Allied Ban#"s more than 03< nation!ide branches 1ur

friendly staff !ill help you through the payment process

VIA ALLIED DIRE#TINTERNET BANKIN4?

Allied Ban# provides 6ast, &ecure and Convenient bill payment system through Allied @irect S

Internet Ban#ing

>ou ?ust have to register yourself on Allied @irectT

8egistering !ith Allied @irect enables you to pay your bills online' by bypassing the hassle of

standing in long queues or headaches due to late payment fees

38

https://allied.direct.abl.com.pk/allied.proxy/

https://allied.direct.abl.com.pk/allied.proxy/



ust enter your billing details in our Internet ban#ing, and start paying your utility bills, month on

month, absolutely hassle;free

VIA SMS BANKIN4?

Allied Ban#"s customers !ho are &M& Ban#ing users can no! pay their utility bills using theirmobile phone handsets !ithout any F48& or internet connectivity, ?ust via a fe! &M&es 7o

ma#e utility bill payments using &M& facility, please follo! this service commandJ

• 7ype PA6BIllspaceDBilling #ompan'=! NamespaceD#on!,mer

NamespaceDAmo,nt 5 send &M& to (<0<

• 8eceive &M& to confirm =@etails of 4ayment 8eply 6 to ConfirmD and strongE to

CancelD

• Upon confirmation, receive an automated call and enter your Mo-ile PIN

• After verification of your Mo-ile PIN, you !ill receive a confirmation SMS/

AT ATM=S?

>ou need not to carry cash to pay your bills

Allied cashO&hop -isa @ebit Card holders can ma#e payments anytime at any ABL A7M Booth

conveniently and securely Customers !ill receive auto;generated slip after the bills are paid

VIA ALLIED PHONE BANKIN4?

With Allied 4hone Ban#ing, paying utility bills is ?ust a call a!ay ust dial our )))((G(( toll

free number any time of the day, and leave the rest to our agents

To A&ail %tilit' Bill Pa'ment &ia P"one Ban2ing3 all 'o, nee. i!?

• An active Allied CashO&hop -isa @ebit Card

• 7;4IE 7elephonic 4ersonal Identification EumberD !hich can be generated by calling

Allied 4hone Ban#ing from the telephoneNmobile number you have mentioned at the time of

opening your account at Allied Ban# Limited

39



Bran"hes 85.Ms

9nline

Banking

Customer:upport

:a#e

;epositFo"king

>tilit( Bill6a(ments

;o*nloads

9ther:er$i"es o#

5BF

ALLIED PHONE BANKIN4?

7a#ing convenience in ban#ing to a !hole ne! level, Allied 4hone Ban#ing offers you +3N/

convenient and secures services Carry out a host of transactions, that too on your o!n time, by

simply calling our toll free number at <0<<;++++

A&ail t"e follo5ing !er&ie! 5it" allie. p"one -an2ing?

4eneral In,irie!

• Account opening procedure

• A7M locations• Allied Ban# &chedule of Charges

• All Allied Ban# product related information

• Branch locations

40



Finanial Ser&ie!

• @ebit Card activation

• Account balance inquiry

• @ebit Card transaction inquiry

• Last )< transaction details

• 6unds transfer request !ithin Allied Ban#

• A7M 4IE Feneration

• +3 hours @ebitNCredit Card bloc#ing

• Bill payment $&C, L$&C1, &&FC, &EF4LD

• Mobile top ups Warid, Ufone, 7elenorD

• Cheque boo# request

• 4ay Anyone facility

• Credit Card activation• Allied Ban# Credit Card bill payment

• Credit Card transaction inquiry

• Credit Card limit inquiry

• 74IE generation to avail &elf;&ervice Ban#ingD

NonFinanial Ser&ie!

• +3;hour complaint registration

•

Credit Card address change request• $;statement request

• &M& alert activation

• &tatement through fa% Credit 5 @ebit CardD

• $mail alerts Credit CardsD

41



#%STOMER S%PPORT?

At Allied Ban#, !e give our customers diversified options to interact !ith us and let them

e%perience the ?oy of ban#ing !ith us, every time they contact us through any of our touch

points

Interact !ith Allied Ban# for information, queries, suggestions, complaints because !e love to

learn from our customers

Email ,!

4eneral Info? infoPablcomp#

H,man Re!o,re? FroupChief*rPablcomp#

#omplaint Management %nit? complaintmanagementPablcomp#

Se,rit' enter?

Confidentiality of our customers is foremost at Allied Ban#We adopt multi;faceted approach to security and ensure the provision of safety patches and

responsible a!areness to our customers to fight off any possible threats

7he advance of !eb technologies has brought the society countless advantages, but the cyber

!orld also provides opportunity to a sinister side as !ell As technology became more and more

integrated in our lives, the potential ris# has also gro!n in parallel, be it from hac#ed computers

or harvested personal information

At Allied Ban#"s &ecurity Center, you can read about latest fraud alerts, preventive measures and

information on ho! to remain protected from all potential threats

42

mailto:[email protected]








OTHER SERVI#ES?

1ther services at Allied ban# areJ

HA SERVI#ES?

*a?? &ervice at Allied Ban# is available to all pilgrims 7he forms and other related services are

provided by the Ban# *a?? applications are available !ith all branches during *a?? season,

immediately after the *a?? policy is announced by the Fovernment of 4a#istan

DEMAND DRAFT?

@emand draft is a popular ban#ing instrument in the trade circles to transfer funds from one

place to another Allied Ban# offers speedy issuance and payment of drafts at the branches

PA6 ORDER?

Customers of allied ban# can !al#;in to any Allied Ban# branch and ma#e 4ay 1rder to transact

payment to a named payee

ALLIED BANKER=S #HE>%ES?

Allied ban#er"s cheuqes ABCD replaces traditional payment instruments li#e @emand @rafts and

4ay 1rders 7his instrument provides added assurance as it"s unli#ely to be returned unpaid due

to lac# of funds

43



PERSONAL BANKIN4?

EVER6DA6 A##O%NTS?

An appropriate ban# account leads to achieve transactional and savings ob?ectives 6igure out

e%actly !here your money goes *ave an accurate picture of !hat you spend and !hat you save

In these times, &A-IEF your hard earned money and spending conveniently for your daily

routine e%penses remain priority and your everyday account should be able to !or# for you

LIFEST6LE BANKIN4?

Ban#ing !as traditionally seen as rigid and monotonous *o!ever, the transformation of ne!

and innovative branch concepts and services has made it possible for us to connect to the

lifestyle of our customers

Lifestyle ban#ing concept in Allied Ban# provides a range of specialised services to serve the

needs of our customers !ho are accustomed to e%periencing ban#ing relationships beyond

conventional ban#ing services and facilities 1ur lifestyle based innovative products 5 services

offer our customers a productive, more rela%ed and more re!arding e%perience !hen they visit

us 7he concepts of Women Branch, Allied 8ising &tar S >outh &aving Account and Allied

Ba"I#htiyar, all correspond to the atmosphere and environment consistent !ith the needs of the

specific customer segment By being !ithin the reach of our customers !herever they are and

ho!ever they !ant, !e enable them to access their ban#ing services !ith ease and convenience

By positioning ourselves !ith these innovative lifestyle products for the !omen and younger

generation, !e see# to engage them holistically to play an active role to address all of their

ban#ing needs

44



SAVIN4S AND TERM DEPOSITS?

&aving Accounts give you the ability to earn profit along !ith the fle%ibility to !ithdra! funds

!henever you require offsetting a financial emergency or need 7he profit is earned as per the

mechanics of &aving Accounts !hich are mostly on the basis of Minimum @eposit maintained in

the account

Alternatively, investing in a term deposit product gives you a safety of #no!ing that your profit!ill not fluctuate

TERM DEPOSIT ME#HANI#S?

7erm deposits are investment options offered by ban#s !here you deposit your savings for a

certain Vterm" or period of time S upon !hich it !ould earn a particular percentage as profit

Let"s say you decide to place your deposit for a term of ) year at Allied Ban# >our deposit !ill

be #ept secured till the maturity date If you do need to !ithdra! your funds prior to its maturity

date, then there are pre;mature encashment charges that !ill apply

AT THE MAT%RIT6 DATE OF 6O%R TERM DEPOSIT 6O% MA6

#HOOSE?

• 7o !ithdra! your principal deposit along !ith the profit that your savings earned, or

• >ou roll over the funds altogether or partially for another term to gain more profit

45



7here is a core principle that relates to the term deposit ie 7he longer the period of time for

!hich you are prepared to commit your funds !ith the ban#, the better !ill be the rate and

greater !ill be the income

#REDIT AND DEBIT #ARDS?

A decade ago, it !asn"t all that unusual to be out for dinner or at the cash counter at a grocery

store and suddenly reali9e that you don"t have enough cash to cover the bill

7oday, !e can conveniently pull out a debit or credit card and settle the bill electronically there

and then It is difficult no! to imagine a time !hen the card;based payment option !ere not

available

@ebit cards are issued !ith a ban# account so the money spent or !ithdra!n, is automatically

deducted from the account It is a convenient alternate to cash, especially !hen it is directly used

for shopping at merchant locations on their 41& 4oint of &aleD machines

With Credit Card, you can spend more than you have, or leveraging the credit balance, you can

reschedule your payments as per your convenience and typically get better re!ards and better

insurance protection Credit cards allo! spending !hile paying the money bac# later

Customers using debit and credit cards en?oy the convenience that these cards bring in, for

improved financial management

DOMESTI# REMMITAN#ES?

@omestic 8emittance is a significant financial service and a need for many people across

4a#istan 7o provide both Allied Ban# account;holders and !al#;in customers !ith a convenient

ban#ing channel for remitting money, !e offer a domestic remittance service called JPa'

46



An'one 7hrough this safe, fast, and reliable service, you can sendNpay money to anyone !ithin

4a#istan !ith no mandatory requirement for the beneficiary to have an account !ith any ban#

Currently, this feature is available viaJ

• Branch counter for both i; Ao,nt Hol.er! and ii; $al2in #,!tomer!

• Allied @irect Internet Ban#ing for Allied Ban# Customers

• 4hone Ban#ing for Allied Ban# Customers

• Allied &M& Ban#ing

47



PA6 AN6ONE THRO%4H BRAN#H #AHNNELS?

• Customer !ill visit hisNher parent ABL branch and fill;in remittance application form

!ith transaction details and particulars of beneficiary

• 4articulars of the beneficiary !ill include Beneficiary Eame, CEIC R, CEIC $%piry

@ate, beneficiary Cell Eumber, address, 8emitter Cell Eumber and purpose of 7ransaction

• Customers account for 4ay anyone transaction !ill be debited

• 1n completion of transaction, a ). digit 8eference Eumber !ill be generated and shared

!ith the remitter for on!ard intimation to the beneficiary

• As soon as the transaction is successfully completed, &M& !ill be sent out to the

remitter"s Cell Eumber

• After completion of transaction, 6unds !ill be immediately available at any branch of

Allied Ban# for payment at counter

PA6 AN6ONE FOR $ALKIN #%STOMERS?

Wal#;in Customers can 4ay Anyone through Allied Ban#"s branch counter !ith no mandatory

requirement for themselves as !ell as their beneficiaries to have an account !ith any ban# 7he

process of 4ay Anyone for !al#;in customers is as follo!sJ

• 8emitter !ill visit any ABL branch and fill;in an application form !ith transaction details

and particulars of beneficiary

• 8emitter !ill present a copy of hisNher o!n CEICN&EIC

• 1n completion of transaction, a ). digit 8eference Eumber !ill be generated and shared

!ith the remitter for its intimation to the beneficiary

• As soon as the transaction is successfully completed, &M& !ill also be sent to the

remitter at hisNher prescribed cell number, stating the reference number and other details of the

transaction

• After completion of transaction, 6unds !ill be immediately available at any branch of

Allied Ban# for payment at counter

48



PA6 AN6ONE THRO%4H ALLIED DIRE#T?

4ay Anyone feature can be accessed via Allie. Diret by logging in to your internet ban#ing

account and navigating into the funds transfer section or via Call Center by calling <0<<;++++7he + modes of payments are described belo!J

i/ Pa' in #a!"Allied @irect users can remit funds in cash !hich to be collected from any Allied Ban# Branch

all over 4a#istan As input, follo!ing information !ill be required by the systemJ

• &elect 4ayee

• $nter Beneficiary"s Eame, CEIC, $mail, and Mobile Eumber

• Mention @escription, Amount, and 6inancial 4IE to initiate the transaction

1nce the data is provided and confirmed, ).;digit reference number is displayed to the sender

and also sent to the sender"s email address In case of call center, reference number is verbali9ed

to the customer 7he sender can then communicate this reference number to the beneficiary

Beneficiary can then present hisNher ).;@igit 8eference Eumber along !ith the Copy of CEIC to

collect money from any Allied Ban# Branch after .;)+ hours of transactions

ii/ Pa' -' #"e2 Internet Ban#ing customers can transfer funds through a ban#er"s cheque 7Allie. E1pre!!

#"e,e; !hich is delivered to the specified beneficiary"s address and payable at any branch of

ABL 7o send funds, follo!ing information !ill be requiredJ

• &elect 4ayee

• $nter Beneficiary"s Eame, CEIC, Address, City, $mail, and Mobile Eumber

• Mention @escription, Amount, and 6inancial 4IE to initiate the transaction

49

https://www.allieddirect.com.pk/

https://www.allieddirect.com.pk/



1nce the data is provided and confirmed, Allied $%press Cheque A$CD !ill be dispatched to the

Beneficiary"s Address !ithin 2 !or#ing days

PA6 AN6ONE THROO%4H ALLIED SMS BANKIN4?

Use your mobile device to type the follo!ing synta% and pay anyone any!here anytimeJ

• 7ype PAB spaceD Pa'ee=! #NI# spaceD Amo,nt spaceD Pa'ee=! Mo-ile N,m-er

• &end this &M& to (<0<

• 8eceive &M& to confirm @etails of 4aymentJ reply 6 to confirmD or N to cancelD

• Upon confirmation, receive an automated call and enter your Mo-ile Pin

• After verification of your Mo-ile Pin, you !ill receive a confirmation &M&

EBANKIN4 SERVI#ES?

As customers become more technology literate, Allied Ban# delivers services that fit customers"

lifestyles and offer more choice as to !here, !hen and ho! they conduct transaction Customers

are digitally enabled and have less time to connect, interact and transact

Allied Ban# differentiate itself not ?ust by offering multi;dimensional channels to the customer but also by enhancing their e%perience of utili9ing those channels and find them convenient and

familiar

$;Ban#ing services ma#e customers !ell positioned in creating better everyday life for their

customers 7hey have gathered a !ealth of e%perience and e%pertise in providing electronic

transactions to the individual and corporate clients Allied ban# handles more than +2 Million

electronic transactions annually

V&ecurity", V&peed" and V$ase of use" are the principles of e;ban#ing infrastructure Allied Ban# is

committed to the ability to speed the customers through to a successful transaction and improve

their efficiency levels !hile carrying out their financial decisions $lectronic services varydomestically as !ell as globally but the challenge resides in delivering solutions that are

efficient, providing customers !ith the convenience and confidence they require in performing

transactions

50



B%SINESS BANKIN4

#ORPORATE AND INVESTMENT BANKIN4?

It is responsible for maintaining and augmenting the Ban#"s asset portfolio !hich primarily

includes corporate 5 institutional lending along !ith provision of other ancillary services to its

corporate clientele including Corporate 6inance 4roducts, Commodity 6inancing, 4ro?ect

6inancing, Corporate Advisory, Cash Management, 8emittances, 7rade 6inancing etc

7he group has played a leading role in the economic development of the country as it has been

instrumental in financing of a large number of pro?ects of national importance and is considered

one of the leading players in the 4a#istani mar#et !hen it comes to corporate lending Its pre

eminence in the local ban#ing environment can be gauged from the numerous local and

international a!ards received by its Investment Ban#ing @ivision

Also, based on the sheer number of completed transactions, the Corporate and Investment

Ban#ing group continues to lead the industry league table !hilst enhancing the Ban#"s footprint

internationally As a first step, it is targeting the lucrative FCC region

TRES%R6 4RO%PS?

ABL 7reasury is one of the most active players in interban# foreign e%change and sovereign debt

securities mar#et We strive to provide the best prices to our valued clients !ith an ob?ective to

gro! a mutually beneficial long term relationship

With ABL"s e%tensive net!or# of branches and correspondent ban#ing relationship Allied ban#is !ell positioned to help the clients in meeting their transaction N payment requirements

• &ales @es#

• 6oreign $%change 6QD @es#

• Money Mar#et @es#

51

http://www.abl.com/business-banking/trade-services/demand-finance-facility/


http://www.abl.com/business-banking/cash-management-solutions/cash-management-system/

http://www.abl.com/business-banking/home-remittances-to-pakistan/

http://www.abl.com/business-banking/corporate-and-investment-banking/investment-banking/

https://www.abl.com/business-banking/treasury-group/sales-desk/

https://www.abl.com/business-banking/treasury-group/fx-desk/

http://www.abl.com/business-banking/treasury-group/money-market-desk/



http://www.abl.com/business-banking/cash-management-solutions/cash-management-system/

http://www.abl.com/business-banking/home-remittances-to-pakistan/

http://www.abl.com/business-banking/corporate-and-investment-banking/investment-banking/

https://www.abl.com/business-banking/treasury-group/sales-desk/

https://www.abl.com/business-banking/treasury-group/fx-desk/

http://www.abl.com/business-banking/treasury-group/money-market-desk/



TRANSA#TION AND B%SINESS A##O%NTS?

Allied ban# real;time and efficient process of transferring funds from one place to another ma#es

them one of the leading ban#s in 4a#istan offering state of the art 7ransactional Ban#ing

products and services

7ransaction Ban#ing is not ?ust about transferring funds from one account to anotherH it"s about

the efficiency, security and adaptiveness in its process that define a true e%perience of transaction

friendly ban#ing

Allied Ban#"s 7ransactional Ban#ing comprises of products and services !hich include 8eal;

7ime 1nline Ban#ing, $lectronic Ban#ing on A7Ms, Internet Ban#ing on 4ersonal Computer or

Mobile 4hones and host of remunerative and non;remunerative deposit products to serve our

Business customers

HOME REMITTAN#ES TO PAKISTAN?

ABL has been significantly important in helping the gro!th of home remittances to 4a#istan

through its streamlined and trusted services We are !or#ing continuously to develop innovative

ideas into service features that allo! us to process and payout remittances even faster resulting ingreater customer satisfaction

ABL"s real;time online branch net!or# S one of the largest net!or#s in 4a#istan, consists of 00<

branches in 2<< cities and to!n, providing comprehensive domestic distribution of remittances

to Beneficiaries across 4a#istan

52



A host of reno!ned international ban#s, e%change houses and money transfer companies from

across the !orld, including the Middle $ast, $urope, Asia;4acific and Eorth America, have been

using our services !ith utmost trust and satisfaction

A number of options are available to non;resident 4a#istanis through our service, including

@irect Credit to Account, Cash 4ayment over the Counter and issuance of Allied $%presscheques, a payment instrument that is honored across the entire ABL net!or# of branches

#ASH MANA4EMENT SOL%TIONS?

+ering a *ide range o# transa"tional &anking ser$i"es to meet the Customers

"omple) "ash management needs

*"+$+C"$, "+S""!+S.

ABL"s 6inancial Institutions team is in charge of establishing and maintaining institutional

ban#ing relationships !ith correspondent ban#s across the globe 7he division aims to facilitate

all areas of international ban#ing operations inclusive of 7rade, 7reasury, Fuarantees and nostro N

vostro relationships ABL has internationally reno!ned ban#s such as 4 Morgan Chase,

Citiban#, &tandard Chartered Ban#, @eutsche Ban#, Commer9 ban#, Mashreq ban# etc in its

e%isting list of correspondent ban#s, thus enabling ABL to adequately cover the need of its

clients

7he ban# also has trade finance facilitation agreements in place !ith International 6inance

Corporation I6CD Asian @evelopment Ban# A@BD

#ASH MANA4EMENT?

7he Cash Management team focuses on our Corporate customers" need for Collections and

4ayments across the country 7ailor; made products and transactional structures are developed

for customers as !ell as a host of MI& reporting options for receivables management and

handling of disbursementsN payouts

7hrough our value added proposition, ABL"s cash management team strives to deliver the best

combination of services to corporate clients and their suppliers, dealers, vendors and employeesnation!ide

TRADE SERVI#ES?

IMPORTE@PORT B%SINESS?

53



Allied ban#, !ith its variety of e%port products and e%pertise, can help customers mitigate ris#s

involved in e%port transactions, !hich in turn, !ill help their e%port business flourish We offer a

!ide range of import products delivered by our e%pert trade team !ho ensures quic# and

efficient processing of transactions

Belo! is a list of fe! services Allied ban# provides to help any business havingimportingNe%porting needsJ

TRADE FINAN#E?

Allied Ban# provides highly efficient trade finance services for importNe%port businesses through

a large number of authori9ed branches !here trained and motivated staff is available to handle

the business on the customer"s behalf

SME FINAN#IN4?

ABL has realigned its focus to!ards &M$ Business !ith a vision to capitali9e on the ban#"s

country!ide footprint and long;standing customer loyalty to become a preferred cum prudent

provider of a =7otal Ban#ing &olution to the &mall 5 Medium Mar#et segment

With this rene!ed focus and strategy, ABL offers its customers a !ide range of products 5

services, meeting the needs of various types of businesses *aving best available technology and

a branch net!or# spread across the country, !e are !ell positioned to cater to all sorts of

business specific requirements

A4RI#%LT%RE FINAN#IN4?

7he Ban#, under the guidelines of the &tate Ban# of 4a#istan, e%tends short, medium and long

term Agriculture credit facilities to farming community of 4a#istan on easy terms to increase the

credit flo! to 6arm and Eon;6arm segments of Agriculture sector

54



Farm re.it is e%tended for the purpose of production of crops to meet !or#ing capital e%penses

and @evelopment of Agri land

NonFarm #re.it facilities are offered for Livestoc# Co!, Buffaloe, Foats, and &heep etcD,

4oultry $ggs, @ay 1ld Chic#s, Layer, Broiler, *atcheryD and fisheries inland and marine,e%cluding deep sea fishingD

FARM LOANS?

Pro.,tion Loan!

• Inputs li#e seeds, fertili9ers, pesticides, !eedicides, herbicides, labour charges, !ater

charges, vegetables, floriculture, forestry etc

• Wor#ing capital finance to meet various farming e%penses

De&elopment Loan!

• Improvement of agricultural land, orchards, etc

• Construction of Fodo!ns

• 4urchase of 7ractors, Machinery 5 other equipments

• Installation of 7ube !ells

• 6arm 7ransportation, etc

NONFARM LOANS?

Li&e!to2

$or2ing #apital

• 4urchase of animal fodder and feeds, -accinations, -itamins and other medications for

animals including artificial insemination

• 1verhead e%penses ie labor, fuel, electricity etc

55



Term Loan

• 4urchase of mature mil# yielding buffaloesNco!s, 4urchase of >oung animals for rearing

for dairy farming

•

4urchase of Mil# storage chilling tan#s and mil# carrying containers, feed grinders,to#as, feed mi%ing machines and feedNmil# containers etc

• ConstructionN4rocurement of permanent sheds, !ater tan#s, !ater pumps etc

Po,ltr'

$or2ing #apital

• 4urchase of $ggs, Birds N @ay old chic#s, bird feed and feed ra! material and vaccination

• 1verhead e%penses ie labor, utility bills, Cost of fuel for generators 5 vehicles,

transportation etc

56



Term Loan

• 4urchase of $quipmentNMachinery for BroilerNLayer farm 5 *atchery

• 6arm construction for broiler, layer, hatchery and procurement of other items required for

the establishment of poultry farming industry etc

Agri,lt,re Re&ol&ing #re.it S"eme

• Loan 7enureJ 2 >ears Clean up once a yearD

• 1ne time documentation for 2 years

• Loan limit !ill be based on the Indicative per Acre limit prescribed by ABLN&B4 andNor

requirement of the applicant

SELE#TION #RITERIA?

• -alid CEIC *older

• 4referably be an account holder !ith ABL

• *ave a permanent residence and be a self;cultivator

• Eot be a defaulter of any other 6inancial InstitutionNClean $CIB

• Be reputable in the business

• *ave V8epayment Capacity"

•Be able to produce proper securities

ISLAMI# BANKIN4

ISLAMI# BANKIN4 DEPOSITS?

At Allied Ban#, Islamic Ban#ing Froup endeavors to be your =first choice &haria Compliant

6inancial &ervices 4rovider by offering follo!ing @eposit AccountsJ

*/ Allie. I!lami #,rrent Ao,nt!C Non Rem,nerati&e

• Allied Islamic Current Account

57

https://www.abl.com/islamic-banking/allied-islamic-current-accounts/

https://www.abl.com/islamic-banking/allied-islamic-current-accounts/



• Allied Islamic Basic Ban#ing Account

(/ Allie. I!lami #,rrent Ao,nt! C Rem,nerati&e

• Allied Islamic Anmol 4lus Account for individuals onlyD

• Allied Islamic Business 4lus Account (for business aounts onl!)

/ Allie. I!lami Sa&ing Ao,nt!

• Allied Islamic &avings Account (Re"ular)

• Allied Islamic &ahulat Account

• Allied Islamic halis Munafa Account

9/ Allie. I!lami In&e!tment #ertifiate!

• Allied Islamic Investment Certificates (T#R)

Allied Ban#;Islamic Ban#ing Froup !ill also be offering Corporate and &tructured Islamic

6inance &olutions to our Corporate and individual clients in order to meet their financial needs

We are constantly tailoring highly competitive and &hariah compliant financial modes for our

customers

I!lami Ban2ing In!tr,ment!?

• M,.ari-?

Mudarib is a manager !ith !hom the profits are shared once the !or# is underta#en by the

individual contracted in the Mudaraba 7he manager is usually the !or#ing partner or

entrepreneur rather than the financier and provides the management, business acumen, and the

products N services the business entails Ban# !or#s as Mudarib in a Mudaraba contract for the

funds received from depositors

• Ra--,lmal?

8abbulmal is the o!ner of capital !ho invests the capital the capital o!ner or financierD in a

Mudaraba contract @epositors are 8abbulmal

• M,.ara-a?

Mudaraba is a partnership in profit bet!een capital and the !or# !hereby one party provides

capital @epositors N 8abbulmalD and the other party provides services Ban# N MudaribD 7he

Mudarib announces its !illingness to accept the funds, the sharing of profits being as agreed

58

https://www.abl.com/islamic-banking/allied-islamic-basic-banking-account/

https://www.abl.com/islamic-banking/allied-islamic-anmol-plus-account/

https://www.abl.com/islamic-banking/allied-islamic-business-plus-account/


https://www.abl.com/islamic-banking/allied-islamic-savings-account/


https://www.abl.com/islamic-banking/allied-islamic-sahulat-account/

https://www.abl.com/islamic-banking/allied-islamic-khalis-munafa-account/

https://www.abl.com/islamic-banking/allied-islamic-investment-certifications/


https://www.abl.com/islamic-banking/allied-islamic-basic-banking-account/

https://www.abl.com/islamic-banking/allied-islamic-anmol-plus-account/



https://www.abl.com/islamic-banking/allied-islamic-sahulat-account/

https://www.abl.com/islamic-banking/allied-islamic-khalis-munafa-account/




bet!een t!o parties and the losses being borne by the 8abbulmal e%cept if they !ere due to

misconduct, negligence or violation of the conditions agreed upon by the Mudarib

• >ar.?

Gard means to give anything having value in the o!nership of the other by !ay of virtue so that

the latter could avail of the same for his benefit !ith the condition that same or similar amount of

that thing !ould be paid bac# on demand or at the settled time

• #"e,eing Ao,nt?

It is an account maintained at a ban# !hich allo!s the customers freedom to deposit and

!ithdra! any sum !ith the Ban# !ithout any restrictionsD

• Tiere. Rate Ao,nt?

An account N deposit that attract enhanced rates of profit, based on different tires of balancesD as

may be decided at the discretion of the Ban# as Mudarib and announced from time to time 7he

profit !ill be shared as per the different tiers announced from time to time !hereas the loss !ill be shared in proportion to the contributed funds utili9ed in any specific pool

ISLAMI# INVESTMENT #ERTIFI#ATES?

Salient Feat,re!?

*/ Investment certificates !ill be issued based on the mode of Mudaraba for the

period of ) month, 2 months, . months, ) >ear, + years, 2 years, 3 years and

years through Allied Islamic &aving N Current account 7he deposit !ill be

accepted for different periods at the discretion of the Ban# from time to time

(/ 4rofits or Loss !ill be shared on Monthly, Guarterly, *alf >early or Maturity

basis or may be decided N declared from time to time at the discretion of the Ban#

/ Investment certificate !ill be issued in the multiple of minimum 8upees +,<<<

9/ 7he Ban# !ill utili9e all such deposits as the Ban# may deem appropriate in

&hariah compliant modes of financing N investments

G/ 6ollo!ing options !ill be available at maturity of the certificate or as approved

by the Ban# from time to timeJ

i/ 8oll;over !ith 4rincipal and 4rofit

ii/ 4rofit $ncashment in lin#ed current N saving accountD and 4rincipal 8oll;over iii/ 4rincipal and 4rofit $ncashment at maturity in lin#ed current N saving

accountD

+/ In case of earlyNpremature encashment, the applicable !eightage on such

Certificate 7@8D shall be that of the Certificate 7@8D of the nearest completed

tenor 6or instance, a five year Certificate 7@8D encashed after one year shall be

assigned the !eightage applicable on one year Certificate 7@8D

59



4re;mature encashment !ill be allo!ed on the profit rates declared for the

corresponding period for !hich investment remained !ith the Ban#, as follo!sJ

i/ 6or completed years ie ), +, 2, 3D, rates for the corresponding completed years

!ill be selected

ii/ 6or the period e%ceeding completed years, last declared rate for the regular

saving accounts !ill be selectediii/ 6or the 7@8 having maturity less than one year, last declared rate for the

regular saving accounts !ill be selected

i&/ Eo premature charges or termination fees !ill be charged on any type of

investment certificate

60



ISLAMI# BRAN#HES?

@etails of Allied Ban#"s Islamic Branches are as underJ

Code Game Fo"ation .el H

4<<+)<

2

@eans 7rade

Centre,4esha!ar

@eans 7rade Centre,

4esha!ar Cantt4esha!ar

<()D+<+),

<()D+<+).,

<()D+<+33,<()D+<+3

4<<+)<

)

ohar 7o!n,

Lahore

0( 8;), Main

Boulevard, ohar

7o!n, Lahore

<3+D22)))/;

+<

4<<+)<+

ChandniCho!#,

8a!alpindi

B;+)0, $sha 4la9a,

&atellite 7o!n,Chandni Cho!#,

8a!alpindi

<)D3/)3(;.)

4<<+)<

3

F7 8oad,

Fu?rati

Abid 6ans Colony,

F7 8oad, Fu?rat

<2D222..;

./

4<<+)<

ot!ali 8oad,

6aisalabad

4lot Eo )<, ot!ali

8oad, @iglus 4ura,

@hobi Fhat,6aisalabad

<3)D+.<3<);+

4<<+)</

&ohrab Foth,arachi

&hop Eo +2;+3,

*igh!ay 7rade

Centre, Main &uper*igh!ay, &ohrab

Foth, arachi

<222;+)()(/<

4<<+)<

0

Gandhari

Ba9ar, Guetta

Gandhari Ba9ar,

innah 8oad, Guetta

<0)D+02//2,

<0)D+0+)/2+

4<<+20

&mall

Industrial$state S

&ahi!al

4lot Eo)(;+<NB,

Admin Bloc#, &mallIndustrial $state,

&ahi!al

<3<D3<+/</;0

4<<+3/

.

4hase - @*A,

Lahore

+ CCA4hase -,

@*A, Lahore

<3+D2/)0+2)<;

))

61



4<<+.(

3

Eishtar

Cho!#,Multan

4lot Eo)+2;A,

Eishter

Cho!#, Eear 6ood6estival, &her &hah

7o!n, Multan

<.)D30<+3+,

30(3+(

4<<+000

Al;6ayya9

Colony,6aisalabad

4lot Eo)<0, &quare

Eo/, Cha# Eo+)3;

8b, he!at Eo))0,hatooni

Eo)+3<, Al;6ayya9

Colony, 6aisalabad

<3)D00)3;)

4<<+(/.

FB& 8oad,Multan

4lot Eo(.NC, &hah

8u#an;$;AlamColony, Feneral Bus

&tand 8oad, Multan

<.)D.//<)3.;/

4<<+(+

(

International

Islamic

University SIslamabad

*;)<, International

Islamic University,Islamabad

<)D333)(((

62



SHARIA BOARD MEMBERS?

• $ufti &san 'auar

&air*an +&aria& ,oar-

• $u&a**a- fti/&ar ,ai"

Resi-ent +&aria& ,oar- $e*ber

• $ufti $a&*oo- A&*a-

+&aria& ,oar- $e*ber

63

https://www.abl.com/islamic-banking/shariah-board-members/#779620677








ABL PROD%#TS

#OMMER#IAL PROD%#TS

#ONS%MER PROD%#TS

#ORPORATE PROD%#TS

64



#OMMER#IAL

7he Commercial 5 8etail Ban#ing Froup C8BFD offers a variety of asset andliability;

based retail products to its customers 7he Froup s main focus has been‟

on introducing various financing and investment products for its valuableclientele, andcontributing to the steady gro!th of the financial industry

Depo!it Ao,nt

-arious deposit accounts are as follo!sJ

i/ PLS Ao,nt

Allied Ban# offers the 4L& &avings Account facility to its customers !ith the follo!ing

attractive features

• Attractive return of up to << per annum

• 6ree 1nline 7ransactions, @@N77N41 for depositors maintaining an average

monthly balance of 8s +<< MD 5 above

• 6ree issuance of cheque boo# at the time of account opening

#,rrent Ao,nt

• Allied Ban# offers the Current Account facility for individuals as !ell as for institutions

and commercial customers

• 7here are free 1nline 7ransactions, @@N77N41 for depositors maintaining an average

monthly balance of 8s < MD 5 above

• 6ree issuance of cheque boo# at the time of account opening

Allie. Ba!i Ban2ing Ao,nt

In order to provide basic ban#ing facilities to its lo!er;middle class customers,Allied Ban# has introduced the =Allied Basic Ban#ing Account ABBAD

• Account can be opened !ith an initial deposit of 8s ),<<<N

• It is a non;remunerative account !ith a no minimum balance requirement

65



• 7he &tatement of Account is issued on a yearly basis

• 7he account !ill be closed automatically if the balance remains =9ero for

one year

•

• Eo service charges on the account for a ma%imum of +;!ithdra!als and +;deposits

during a calendar month Additional transactions !ill be sub?ect to a service charge as per the

Ban# s &chedule of Charges for every‟

• !ithdra!alNdeposit

Unlimited !ithdra!als from A7Ms

Allie. B,!ine!! Ao,nt

Allied Business Account is a non;profit current account !ith countless benefits and services If

you are a businessman, trader or an individual, Allied Business Account is an ideal propositionfor you

Foreign #,rren' Depo!it!Allied Ban# offers the facility of opening Current, &avings and 7erm deposit Accounts 6oreign

Currency accounts can be opened in U& @ollar, 4ound &terling, $uro, and apanese >en at

designated branches

Mont"l' Profit Pl,!&aving has no! become all the more appealing !ith our Monthly 4rofit 4lus &cheme, !hichearns you monthly profits on investments 7he scheme is designed for a period of ) >ear !ith the

follo!ing profit rates

Re5ar.ing Term Depo!itA term deposit scheme !hich gives a high rate of return and the fle%ibility of various tenureInvestment can be made !ith the minimum of 48 +,<<< only

Allie. A.&ane Profit !"emeIn #eeping !ith our ob?ective to bring you ne! and innovative services and ban#ing products, !eno! introduce Allied Advance 4rofit &cheme that gives the entire profit upfront

Pro.,t Speifiation!?Minimum Investment 8equired

S

8s+, <<<Investment 7ermsJ )0 months Auto roll;over optionalD

66



Profit Pa'ment?

• 4rofit of 8s)2, << on an investment of 8s)<<, <<<D !ill be immediately

credited in the customer"s current account

Be"tar M,nafa Ao,ntIf you !ant a chequing account that earns you attractive returns, paid on monthlybasis, then this

is the account for you

Be"tar M,nafa Term Depo!itIf you !ant to fi% your money no! to secure your future, this is the product for you

Allie. eSa&er! Ao,nt!&aving has never been so fle%ibleT 7he Allied e;&avers Account is a unique savings plan !here

you can earn returns as high as / !ith the convenience of 3 !ithdra!als a monthT

67



FINAN#IAL STATEMENTS

BALAN#E SHEET

PROFIT< LOSS A#

#ASH FLO$ STATEMENT

68



FIVE LATEST 6EAR BALAN#E SHEETS

8upees in V<<<

()*) ()** ()*( ()* ()*9

A!!et!

Cash and

Balance !ith

7reasury Ban#s

)3,/3+,/)) +2,<3+,<)) +(,/2(,0/ +2,.2,/3 +.,32,.02

Balance !ith

other ban#s

2,+(+,<3) ),/<2,<)) ..0,33( +,<(/,.)) ),+0<,()

Lending to

financial

institutions

,///,20+ )(,<<,+2( )0,3)(,+3) ),/(2,)02 +0,)++,(2+

Investments 33,(+.,.+ 3.,(2,+3) 02,(0,3.2 0+,33(,3/ (3,./2,)<<

Advances ))),+<.,//3 )33,<22,.23 ).0,3</,+0< +)2,<+<,)<0 +2/,20+,++

1perating fi%ed

assets

3,/+<,..+ .,33,))) /,30,.+0 )),)<,)+( )+,3(,0.

@eferred ta%

assets

.0<,<(2 .20,).0 ..+,32) ),<2),<3( X

1ther Assets /,++/,(2 )<,).),2.) )<,/<,2/3 )/,200,.)+ )/,(0.,320

7otal Assets )(+,/3,+.0 ++,<+.,//. 2+<,)<(,/+2 2..,02,(+) 3)0,23<,0+

Lia-ilitie!

69



Bills 4ayable +,330,.+< +,+/0,<</ 2,3(3,203 +,(+,3(< 2,).+,3+(

Borro!ings (,.(2,/0 )0,3)<,3+ ++,(22,.. +/,//0,)) 2(,0)0,2+

@eposits and

other accounts

).),3)<,+.0 +<.,<2),2+3 +.2,(/+,20+ +(/,3/3,32 2+0,0/+,(

&ub;ordinate

loans

X +,<<,<<< +,3((,<<< +,3(0,<<< ,3(/,<<<

@eferred ta%

liabilities

X X X X 2,2/3

1ther liabilities 3,3/),(30 ,))(,+./ /,22+,<( )2,.33,020 )),<./,).3

7otal Liabilities )/0,<+3,.+) +23,22(,<+2 2<<,+2),30

)

233,230,<++ 200,3+),<0

Net A!!et! *93G983+9: *:3+:3:G *83:3(9( ((3(G388 (838*83:89

&hare capital 3,300,.3+ 3,300,.3+ ,20.,2/< .,3.2,.33 /,))<,<<0

8eserves ,.(2,303 .,)22,+<( .,<<,/)2 ,0<3,//. .,0+,03

Unappropriate

d profit

+,/2),(/( ,.</,/(. .,(/),2<0 0,3/,/() )+,).3,..+

&urplus on

revaluation of

assets

),.2,3+ ),30,)<. ),3.(,0) ),3(),.00 3,<.+,+/(

*93G983+9: *:3+:3:G *83:3(9( ((3(G388 (838*83:89

70



71



FIVE LATEST 6EAR IN#OME STATEMENTS

8upees in V<<<

()*) ()** ()*( ()* ()*9

Mar#upN8eturnN

Interest earned

(,0(+,<) )/,+),</ +),+<),3++ 2<,(3,<+< 3),)33,../

Le!!

Mar#upN8eturnN

Interest e%pense

+,<+3,.( .,/(2,)<) )<,<)(,<<3 )/,+.+,)( ++,3+),+)0

Eet mar#upN

Interest income

/,0./,2(+ )<,3++,3<. )),)0+,3)0 )2,22),<) )0,/+2,33(

4rovision against

nonperforming

loan and

advances

2((,.<0 02,2< +,/)+,(2. ),2/+,) 2,).+,(.2

4rovision for

dimunination in

the value of

investment

+<,3)) )3,.+2D /)( ),03<,+3( ),<./,.<0

4rovision against

Lending to

financial

institutions

X X X X +0<,(

72



Bad debts !ritten

off directly

).<,<( )2.,)0( ),)0/ +,/2. X

0<,</0 /<3,0/) +,/)3,03+ 2,+),)3< 3,)),)..

Net

mar2,pIntere!t

inome after

pro&i!ion

/,+0/,2)3 (,/)/,2 0,3./,/. )<,)).,2.) )3,+)+,+02

A.. Non mar2,p Intere!t inome

6ee,

Commission

),++<,2.+ ),22,000 +,<.+,.// +,2)3,(2< +,0<<,2<.

@ividend income 3.,)3. )(2,+ )3/,)03 ),3+.,2/0 ),2/0,()(

Income from

dealing in

foreign currency

+<,++3 +0+,+0 )(3,0/( (0,(.3 /.),(23

Fain on sale of

investments

)+3,202 2/.,/(+ ),32(,20/ )<,2/ ),)<),3//

Un reali9ed gain +,/<. 2<,)0<D ),3.2D 2,+<) 2.D

1ther income +/+,/.+ +/2,<+0 //,32 (,(23 2,(0.

7otal non

mar#upN

interest income

),(2(,02 +,33(,<.0 2,(+<,<(( 3,()2,(33 .,</0,+/

(,++.,0(/ )+,)..,.<2 +,20/,./ ),<2<,2< +<,+(<,3<

Le!! Non mar2,pintere!t e1pen!e!

73



Administrative

e%penses

3,+(,2+ ,+(<,/0 .,<)0,23. 0,)//,2(0 (,)/,03

1ther provisions ))3,)/) +</,02 )(,203 3<,)<0 0),/03D

Wor#er Welfare

6und

X X X )+,<.< +),/3)

1ther charges )0,((( /,</0 +.,0.( +.,0)/ ./,2//

7otal e%penses 3,2(+,/<+ ,<,<( .,323,(( 0,(/2,202 (,/)0,()0

Profit -efore ta1 3,023,)( .,..),<(3 ,(2,</. .,<.,(++ )<,/),.++

Le!! Ta1ation3

Current year ),22),3.0 +,+),<(+ ),00/,+(( ),02<,</2 2,),3(2

4rior years ++,<<< X X X X

@eferred 2(<,(3 30,/+ )<,20)D )2+,(00 )+(,)0)D

7otal 7a% ),/33,<.+ +,+.2,033 ),0/.,()0 ),(.2,<.) 2,3++,2)+

Profit after ta1 2,<(<,)22 3,2(/,+< 3,</.,)0 3,<(2,0.) /,)3(,2)<

%nappropriate.

profit -ro,g"t

for5ar.

33,+02D +,/),32) ,.3<,3(/ .,((<,0.0 0,<0,))

Profit a&aila-le for

appropriation

2,<3,0< /,)30,.0) (,/).,. )),<03,/+( ),./,3.)

74



75



RATIO ANAL6SIS FOR THE LAST FIVE 6EARS

#%RRENT RATIO

Form,la #,rrent A!!et #,rrent Lia-ilitie!

8upees in V<<<

()*) ()** ()*( ()* ()*9

Current

Asset

)0/,02,.<. +3,0),.. 2)+,.),<( 2,322,/(+ 3<,00),+..

Current

Liabilities

)/0,<+3,.+) +23,22(,<+2 2<<,+2),30) 233,230,<++ 200,3+),<0

8atio */* ? * * ? * * ? * * ? * * ? *

Interpretation?

Current ratio of Allied Ban# Ltd over period of +<)< ;+<)3 has not very much fluctuate and

remain )It is good sign for the ban#, because current ratio of the organi9ation should be in the

ratio )J)

7here is no difference in the current assets and current liabilities of the organi9ation in this

assessment period so that Current 8atio is not e%tra fluctuate

76



A#ID TEST RATIO

Form,la Li,i. A!!et! #,rrent Lia-ilitie!

8upees in V<<<

()*) ()** ()*( ()* ()*9

Liquid Asset )./,2).,0+ +)/,2/,3(. +0+,+/.,0/ 2</,333,23) 2/,330,0<3

Current

Liabilities

)/0,<+3,.+) +23,22(,<+2 2<<,+2),30) 233,230,<++ 200,3+),<0

8atio )/89 ? * )/8 ? * )/89 ? * )/8 ? * )/8( ? *

Interpretation?

It tells us that for the payment of its liabilities the firmN ban# have ho! many liquid resources at

the time of calculating this ratio 7his ratio measure to meet current data"s !ith most liquid

quarter current assetD !hich is fluctuate trend in the evaluation period Acid test ratio is much

fluctuate in the !hole evaluation period It is high in +<)< and +<)+ in +<)) it is little less but in

+<)2 and +<)3 it is again increasing

77



DEBT TO E>%IT6 RATIO

Form,la Total De-t S"are "ol.er E,it'

8upees in V<<<

()*) ()** ()*( ()* ()*9

7otal @ebt )/0,<+3,.+) +23,22(,<+2 2<<,+2),30) 233,230,<++ 200,3+),<0

&hare

holder

$quity

)3,3(,.3/ )/,.0/,/2 )(,0/0,+3+ ++,+2,0(( +(,()(,/(3

8atio *( ? * * ? * *G ? * *G/G ? * * ? *

Interpretation?

In the @ebt to $quity ratio high ratio is a good sign for organi9ation 7here is fluctuation in the

period of +<)< to +<)3 8atio gradually increases in the first four years from +<)<;+<)2 then

decreases in the year +<)3 due to increase in total debt of the organi9ation

DEBT TO ASSETS RATIO

Form,la Total De-t Total A!!et!

78



8upees in V<<<

()*) ()** ()*( ()* ()*9

7otal @ebt )/0,<+3,.+) +23,22(,<+2 2<<,+2),30) 233,230,<++ 200,3+),<0

7otal Assets )(+,/3,+.0 ++,<+.,//. 2+<,)<(,/+2 2..,02,(+) 3)0,23<,0+

8atio )/8( ? * )/8 ? * )/89 ? * )/89 ? * )/8 ? *

Interpretation?

@ebt to Assets ratio almost same but there is slightly difference and less then ) in the evaluation

period and sho! good ratio of the organi9ation

INTEREST #OVERA4E RATIO

Form,la E/B/I/T/Intere!t E1pen!e

8upees in V<<<

()*) ()** ()*( ()* ()*9

$arning 3,023,)( .,..),<(3 ,(2,</. .,<.,(++ )<,/),.++

Interest$%pense

+,<+3,.( .,/(2,)<) )<,<)(,<<3 )/,+.+,)( ++,3+),+)0

8atio (/9 ? * * ? * )/+ ? * )/9 ? * )/G ? *

Interpretation?

79



Interest Coverage 8atio constantly reduces in the period of +<)< to +<)2 5 then some lightly

increases in +<)3 7he highest ratio is good sign for the ban#

80



RET%RN ON INVESTMENT

Form,la Net Profit after Ta1 Total A!!et!

8upees in V<<<

()*) ()** ()*( ()* ()*9

Eet 4rofit

After 7a%

2,<(<,)22 3,2(/,+< 3,</.,)0 3,<(2,0.) /,)3(,2)<

7otal Assets )(+,/3,+.0 ++,<+.,//. 2+<,)<(,/+2 2..,02,(+) 3)0,23<,0+

8atio )/)( ? * )/)( ? * )/)* ? * )/)* ? * )/)( ? *

Interpretation?

7he 8atio of return on investment fluctuate in the evaluation period in +<)< 5 +<)) is same, and

some decline in the year +<)+,+<)2 and again vast increase in +<)3 but same !ith first t!o years

of the evaluation period

ASSETS T%RN OVER RATIO

Form,la Total Earning Total A!!et!

8upees in V<<<

()*) ()** ()*( ()* ()*9

7otal

$arning

(,++.,0(/ )+,)..,.<2 +,20/,./ ),<2<,2< +<,+(<,3<

81



7otal Assets )(+,/3,+.0 ++,<+.,//. 2+<,)<(,/+2 2..,02,(+) 3)0,23<,0+

8atio )/)G ? * )/)G ? * )/)* ? * )/)9 ? * )/)G ? *

Interpretation?

7here is also fluctuation in the assessment period of ABL 7he ratio is same in +<)<, +<)) and

there is decrease in +<)+ due to some decrease in mar#up , interest earned and assets and then

again increase during the year +<)2 5 +<)3

LOANS TO TOTAL ASSETS RATIO

Form,la Total Loan! Total A!!et!

8upees in V<<<

()*) ()** ()*( ()* ()*9

7otal Loans X +,<<,<<< +,3((,<<< +,3(0,<<< ,3(/,<<<

7otal Assets )(+,/3,+.0 ++,<+.,//. 2+<,)<(,/+2 2..,02,(+) 3)0,23<,0+

8atio ; )/)* ? * )/)) ? * )/)): ? * )/)* ? *

Interpretation?

82



Loan to total assets ratio sho!s the empirical relation bet!een loan and assets acquired by the

ban# Lo!er the ratio is better for the institution

7he loan to assets ratio of ABL is fluctuate in the !hole period, in +<)< there !ere no any loans

by the organi9ation, from period +<)) to +<)2 the ratio constantly decreases and then again

increases in the year +<)3

83



INTEREST E@PENSE TO INTEREST IN#OME RATIO

Form,la Intere!t E1pen!e Intere!t Inome

8upees in V<<<

()*) ()** ()*( ()* ()*9

Interest e%pense

+,<+3,.( .,/(2,)<) )<,<)(,<<3 )/,+.+,)( ++,3+),+)0

Interest income

/,0./,2(+ )<,3++,3<. )),)0+,3)0 )2,22),<) )0,/+2,33(

8atio )/(+ ? * )/+G ? * )/8 ? * */(8 ? * */( ? *

Interpretation?

Interest $%pense to income ratio constantly increase in the !hole period of +<)< to +<)3 In

early three years ratio is less then one due to lo! e%penses but in last t!o years ratio is more then

) due to increase in interest e%penses

84



MARK %P TO NON MARK %P IN#OME RATIO

Form,la Mar2 ,p Inome Non Mar2 ,p inome

8upees in V<<<

()*) ()** ()*( ()* ()*9

Mar#XupN8eturnN

Interest earned

(,0(+,<) )/,+),<

/

+),+<),3++ 2<,(3,<+< 3),)33,../

7otal non mar#up

income

),(2(,02 +,33(,<.0 2,(+<,<(( 3,()2,(33 .,</0,+/

8atio G/* ? * : ? * G/9 ? * +/( ? * +/:: ? *

Interpretation?

Mar#up to Eon Mar#up income ratio flactuate in the !hole period A big increase in +<)< to

+<)) and then some decrease in +<)+, and then ratio constantly increase from +<)+ to +<)3

MARK %P E@PENSE TO MARK %P IN#OME RATIO

85



Form,la Mar2 %p E1pen!e Mar2 %p Inome

8upees in V<<<

()*) ()** ()*( ()* ()*9

Mar#XupN8eturnN

Interest e%pense

+,<+3,.( .,/(2,)<) )<,<)(,<<3 )/,+.+,)( ++,3+),+)0

Mar#XupN8eturnN

Interest earned

(,0(+,<) )/,+),<

/

+),+<),3++ 2<,(3,<+< 3),)33,../

8atio )/( ? * )/8 ? * )/9: ? * )/G+ ? * )/G9 ? *

Interpretation?

Mar# up to Eon Mar#up e%pense ratio of the ABL constantly increase in the evaluation period a

continuous change from year +<)< to +<)2 but very slightly change in last year +<)3

ADMIN E@PENSE TO TOTAL MARK%P RATIO

Form,la A.min E1pen!e Mar2,p Inome

8upees in V<<<

()*) ()** ()*( ()* ()*9

86



Administrative

e%penses

3,+(,2+ ,+(<,/0 .,<)0,23. 0,)//,2(0 (,)/,03

Mar#XupN8eturnN

Interest earned

(,0(+,<) )/,+),<

/

+),+<),3++ 2<,(3,<+< 3),)33,../

8atio )/9 ? * )/ ? * )/ ? * )/ ? * )/( ? *

Interpretation?

Admin e%pense to mar#up ratio !as at highest point in +<)<, and then !ere constant in the years

+<)), +<)+ and +<)2, because in the this period admin e%pense and mar#up income both !ere

same and !ith the same ratio but there is slightly decrease in the year +<)3

87



NON MARK %P E@PENSE TO NON MARK %P IN#OME RATIO

Form,la Non Mar2 %p E1pen!e Non Mar2 %p Inome

8upees in V<<<

()*) ()** ()*( ()* ()*9

7otal Eon Mar#

up e%penses

3,2(+,/<+ ,<,<( .,323,(( 0,(/2,202 (,/)0,()0

7otal non

mar#up Income

),(2(,02 +,33(,<.0 2,(+<,<(( 3,()2,(33 .,</0,+/

8atio (/(+ ? * (/(G ? * */+9 ? * */ ? * */+ ? *

Interpretation?

Eon Mar# up e%pense to non mar# up ratio fluctuate in the period of +<)< to +<)3 And al!ays

more then one !hich is not good for Allied ban#

RET%RN ON E>%IT6 7ROE;

Form,la Net Profit after Ta1 S"are Hol.er E,it'

8upees in V<<<

()*) ()** ()*( ()* ()*9

Eet 4rofit After 2,<(<,)22 3,2(/,+< 3,</.,)0 3,<(2,0.) /,)3(,2)<

88



7a%

&hare holder

$quity

)3,3(,.3/ )/,.0/,/2 )(,0/0,+3+ ++,+2,0(( +(,()(,/(3

8atio )/( ? * )/(G ? * )/( ? * )/* ? * )/(9 ? *

89



Interpretation?

8eturn on equity ratio also fluctuate in the !hole period of +<)< to +<)3 In the assessment

period the change is very slightly due to change of the profit in the evaluation period

EARNIN4 PER SHARE

Form,la Net Profit after Ta1 Total no/ of !"are!

8upees in V<<<

()*) ()** ()*( ()* ()*9

Eet 4rofit

After 7a%

2,<(<,)22 3,2(/,+< 3,</.,)0 3,<(2,0.) /,)3(,2)<

7otal no of

shares

330,0.3,+<< 330,0.3,+<< 20,.2/,<<< .3.,2.3,3<< /)),<<<,/0

8atio )/)): ? * )/)*) ? * )/)) ? * )/))+ ? * )/)*) ? *

Interpretation?

$arnings per &hare ratio is very small and lo!er then ) In +<)< to +<)) it is increased and then

from period +<)) to +<)2 it is constantly decreased in three years due to high increase in assets

and lo! increase in net profit and then also increase in the year +<)3

HORIONTAL ANAL6SIS OF THE BALAN#E

90



SHEET FOR THE LAST FIVE 6EARS

()*) ()** ()*( ()* ()*9

A!!et!

Cash and

Balance !ith

7reasury Ban#s

)<< ). +<+ ).) )/(

Balance !ith

other ban#s

)<< + +< .3 2(

Lending to

financial

institutions

)<< 22< 2)( +/2 30/

Investments )<< )< )0/ )03 +))

Advances )<< )2< )+ )(+ +)3

1perating fi%ed

assets

)<< )2/ ).< +2. +.3

@eferred ta%

assets

)<< (3 (/ )+ ;

1ther Assets )<< )3) )30 +3) +3(

)<< )2) ).. )(< +)/

91



Lia-ilitie!

Bills 4ayable )<< (2 )32 )+) )+(

Borro!ings )<< )(< +2/ +0/ 3))

@eposits and

other accounts

)<< )+0 ).3 )03 +<3

&ub;ordinated

loans

; ; ; ; ;

@eferred ta%

liabilities

; ; ; ; ;

1ther liabilities )<< )) ).3 2< +30

)<< )2+ ).( )(2 +)0

Net A!!et! *)) *(( *: *G ()+

&hare capital )<< )<< )+< )33 )0

8eserves )<< )<0 )<. )<+ )).

Unappropriate

d profit

)<< +< + 2)< 33

&urplus on

revaluation of

assets

)<< 0( (< () +30

*)) *(( *: *G ()+

92



HORIONTAL ANAL6SIS OF BALAN#E SHEET

6or the purpose of *ori9ontal Analysis of Balance &heet for the last five years +<)< to +<)3 I

select +<)< as a base year and evaluate assets and liabilities of all other four years on the base of

+<)< and compare all this period #a!" an. Balane 5it" Trea!,r' Ban2!, overall increase

). in +<)), +<+ in +<)+ and in +<)2 ).) and )/( in +<)3, in other !ords !e can say

that during these years only . in +<)), )<+ in +<)+, .) in +<)2 and /( in year +<)3 as

compare to base year, but I compare overall comparison of the organi9ation Balane 5it" ot"er

-an2!, go up from +<)<, + in +<)), then little increase in as +< in +<)+, then .3 in +<)2

and 2( in the year +<)3 Len.ing to finanial in!tit,tion!, constantly increase but !ith

fluctuations It rise 22< in year +<)), then 2)( in +<)+, +/2 in +<)2, and 30/ in +<)3

In&e!tment! repeatedly increase up to +<)+ then bit decline &o )< increase in +<)), )0/ in

+<)+, and )03 increase in +<)2 but in +<)3 high percentage increase is +)) A.&ane!

of the organi9ation constantly gro! in !hole evaluation period, if !e compare it )2< gro!th in

+<)), )+ e%pansion in +<)+, and )(+ e%pansion in +<)2,but a high gro!th of +)3 in

+<)3/ Operating fi1e. a!!et! of the organi9ation also sho! a constantly gro!th in !hole

evaluation period same li#e as advances as )2/ in +<)), ).< in +<)+, +2. in +<)2, and a

high gro!th +.3 in the year +<)3 Deferre. Ta1 A!!et! are also increasing gradually upto

+<)2, but there are nothing such assets in +<)3 as (3 increase in +<)), (/ in +<)+ and )+

increase in the year +<)3 Ot"er A!!et! also have same condition similar to advances

and operating fi%ed assets and are increasing gradually as )3) in +<)) )30 in +<)+, +3) in

+<)2 and high increase in the year +<)3 Total A!!et! of the organi9ation are also continually

rise from base year to final year !hich sho!s increasing in assets of the organi9ation every year

)2) enhance in +<)), ).. in +<)+, )(< in +<)2, and +)/ gro!th in +<)3

Bill! Pa'a-le is the first item of liability side, !hich sho!s increasing in liabilities of the

organi9ation every year In +<)), (2 enhance as compare to base year And )32 increases in

+<)+, )+) increase in +<)2, but in +<)3 gro!th rate in )+( in bills payable Borro5ing!

93



7here is gradually increase in the borro!ing of the organi9ation in the selected period 7hus

)(< decrease in +<)), but in +<)+ +2/ increase in Borro!ings and +0/ in +<)2, and a high

increase 3)) in the year +<)3 Depo!it! an. ot"er ao,nt! are same li#e that of borro!ing

and regularly rise !ith the passage of time, )+0 increase in +<)), ).3,)03 and +<3

gro!th in +<)+,<0and <(, as compare to base year S,-or.inate. loan! 7here are no sub;

ordinate loans in the year +<)<, and there in not any base year for comparison, so I cannot

compare such loans of all other years !ith base year Deferre. ta1 lia-ilitie! are also not present

in the first four year +<)<, <., </ and <0 and only present in the year +<)3 7herefore !e cannot

compare such liabilities !ith any other financial years Ot"er lia-ilitie! raise gradually, )) in

+<)), ).3 in +<)+, 2< in +<)2 and +30 in +<)3 as evaluate to +<)< that is base year

Liability side of the balance sheet also go up continually, )2+, ).(, )(2 and +)0 from

+<)) to +<)3, as measure up to to base year

After subtracting liabilities from the assets side of the balance sheet the Net A!!et! are also

continually gro! up as compare to base year, )++ in +<)),)2/ in +<)+, )2 in +<)2 and

+<. gro!th in +<)3

94



HORIONTAL ANAL6SIS OF IN#OME STATEMENT FOR THE LAST

FIVE 6EARS

()*) ()** ()*( ()* ()*9

Mar#upN8eturnN

Interest earned

)<< )/3 +)3 2<( 3).

Le!!

Mar#upN8eturnN

Interest e%pense

)<< 22. 3( 02 ))</

Eet mar#upN

Interest income

)<< )22 )3+ )/< +20

4rovision against

nonperforming

loan and

advances

)<< )3. ./( 232 /(+

4rovision for

dimunation in

the value of investment

)<< ;/+ 3 (<). +2<

Bad debts

!ritten off

directly

)<< 0 ) + ;

95



)<< )++ 3.0 3 //0

Net

mar2,pIntere!t

inome after

pro&i!ion

)<< )22 )). )2( )(

A.. Non mar2,p Intere!t inome

6ee,

Commission

)<< ))) ).( )(< +2<

@ividend income )<< 3)( 2)( 2<() +(00

Income from

dealing in

foreign currency

)<< ))2 /0 202 2<

Fain on sale of

investments

)<< 2<2 ))/ )+) 00.

Un reali9ed gain )<< ;))/ ;. )2 ;)

1ther income )<< )<< +0 ++ )2

7otal non

mar#upN

interest income

)<< )+. +<+ +2 2)2

)<< )2+ +. ).2 ++<


Administrative

e%penses

)<< )+3 )3) )(+ ++2

1ther provisions )<< )0+ )3< 2 ;/+

96



1ther charges )<< 2/ )2+ )2(( 2

7otal e%penses )<< )+ )3/ +<3 ++)

Profit -efore ta1 *)) )20 )+2 )+ +)(

Le!! Ta1ation

Current year )<< ).. )3+ )20 +./

4rior years XX XX XX XX XX

@eferred )<< )2 ;2 23 ;22

7otal 7a% )<< )2< )<0 ))2 )(.

Profit after ta1 )<< )3+ )2+ )22 +2)

HORIONTAL ANAL6SIS OF IN#OME STATEMENT

6or the purpose of *ori9ontal Analysis of Income &tatement for the last five years +<)< to +<)3

I select +<)< as a base year and evaluate incomes and e%penditures of all other four years on the

base of +<)< and compare all this period/ Mar2,p Earne. of the Allied ban# constantly

increase in the !hole period, it increase )/3 in +<)), +)3 in +<)+, 2<( in +<)2, and highest

increase in the year +<)3 as 3). Mar2,p E1pen!e of the Allied ban# is same li#e Mar up

earned and are increasing gradually in the evaluation period, thus 22. in +<)), 3( in +<)+,

02 in +<)2 and highest increase in year +<)3 as ))</ as compare to base year 7hese

e%penses increase gradually due to increase in deposits of the ban# every year Net

Mar2,p also rises constantly due to rise in mar#up income And )22 gro!th in +<)), )3+ in

+<)+,)/< in +<)2 and +20 gro!th in +<)3 in the evaluation period/ Pro&i!ion again!t

nonperforming loan an. a.&ane! rises from +<)) to +<)+ as )3. in +<)), ./( in +<)+

97



and decreases as 232 in +<)2 and again highest increase in +<)3 as /(+ Pro&i!ion for

.im,nation t"e &al,e of in&e!tment there is much fluctuation in the evaluation period In +<))

it is in negative as ;/+ then it is rises as 3 in +<)+, after it there is huge increase ind +<)2 as

(<). and +2< in +<)3 Ba. De-t! 5ritten off also fluctuate in the evaluation period as

0 in +<)) and then huge decrease in +<)+ as ), and + in +<)2, there are no bad debts in

+<)3 Net Mar2,p after Pro&i!ion also fluctuate in evaluation period in +<)) it is increases as

)22 then it little decrease in +<)+ as )). after it again increase )2( and )( in

+<)2,+<)3 Non Mar2,p Inome, include Fee or #ommi!!ion gradually rise !ith

))),).(,)(<a and +2< from +<)) to +<)3 on the base of +<)<Di&i.ent inome in +<))

the gro!th is 3)( and then decrease in +<)+ as 2)(, and in the ne%t year it is highly

increased as 2<() in +<)2 and +(00 in +<)3 Inome from Foreign #,rren' in +<)) it is

increased as ))2 then decrease in +<)+ as /0 and in +<)2 there is highest increase as 202

in +<)2, in +<)3 decrease as 2< 4ain on !ale of in&e!tment fluctuate in the !hole in +<)+

then there is huge decrease as )+period, first there in increase in +<)) as 2<2 and in +<)2

after it again increase as 00. in +<)3 %nreali0e. 4ain also fluctuate in the evaluation period

in +<)) it is great decrease as ;))/ in +<)+ is ;. and in +<)2 it is increased as )2 but in +<)3

it is again as ;) Ot"er Inome is same in +<)) as )<<, after it is continually decreases as

+0,++ and )2 in the year +<)+,+<)2 and +<)3 After addition of all these income )+.

increase in +<)), +<+ in +<)+, +2 in +<)2 and 2)2 increase in +<)3 Non Mar2,p

E1pen!e include A.mini!trati&e E1pen!e! rises gradually the !hole period as )+3 in +<)),

)3) in +<)+, )(+ in +<)2 and highest increase as ++2 in +<)3 Ot"er pro&i!ion also much

fluctuate the !hole period, first it increase as )0+ in +<)), then decrease in +<)+ as )3<

again it increased as 2 in +<)2 and there in huge decrease in year +<)3 Ot"er #"arge!

e1pen!e also vary in the !hole period in +<)) it is 2/ and there is increase in +<)+, +<)2 as

)2+ and )2(( and in +<)3 it is again decrease as 2 Profit -efore Ta1 due to

fluctuation in the e%penses it is also fluctuate in the !hole year It rises )20 in +<)) then fall in

+<)+ as )+2 again in +<)2 5 +<)3 it is gradually increase as )+ and +)( Total Ta1 is ebb

and flo! !ith )2<,)<0,))2,)(. from +<)) to +<)3 Profit after Ta1 is increase as )3+

in +<)) then fall in +<)+ as )2+ and after it continually increase as )22 and +2) in year

+<)2 and +<)3

98



VERTI#AL ANAL6SIS OF BALAN#E SHEET FOR THE LAST FIVE

6EARS

()*) ()** ()*( ()* ()*9

A!!et!

Cash and

Balance !ith

7reasury Ban#s

// () (2 . .2

Balance !ithother ban#s

)/ </ <+ <. <2

Lending to

financial

institutions

2 / 0 32 ./

Investments +22 )0. +.+ ++ ++.

Advances // /+ +. 0) .0

1perating fi%ed

assets

+ +. +3 2 2

@eferred 7a%

Assets

<3 <2 <+ <2 ;

1ther Assets 2/ 3 22 3/ 32

)<< )<< )<< )<< )<<

99



Lia-ilitie!

Bills 4ayable )2 <( )) <0 </

Borro!ings /2 /+ /. (

@eposits and

other accounts

020 0)0 0+ 0)+ /0.

&ub;ordinate

loans

; ) <0 </ )2

@eferred ta%

liabilities

; ; ; ; ;

1ther liabilities +2 + +2 2/ +/

(+3 (2 (2( (3 (+0

Net A!!et! /. / .) . /+

*)) *)) *)) *)) *))

&hare capital +2 )0 )/ )/ )/

8eserves 2 +3 )0 ). ).

Unappropriate

d profit

)3 ++ +) +2 +(

&urplus on

revaluation of

assets

<( <. < <3 )

100



:/+ : +/* + :/(

VERTI#AL ANAL6SIS OF BALAN#E SHEET

6or the purpose of -ertical Analysis of Balance &heet for the last five years +<)< to +<)3 I

evaluate assets and liabilities of the organi9ation that ho! much its share includes in total #a!"

an. Balane 5it" Trea!,r' Ban2! have .2 share out of )<< in +<)3, . in +<)2, (2

in +<)+, and () in +<)<, // in +<<3 Balane 5it" ot"er -an2! have <2 contribution in

+<)3, <. in +<)2, <+ in +<)+, </ in +<)) but )/ in +<)<, out of )<< total assets

Len.ing to finanial in!tit,tion! have ./, 32, 0, / and 2 share in +<)3 to +<)<

out of )<< In&e!tment! include ++. in +<)3, ++ in ++<0, +.+ in +<)+, )0. in +<))

and +22 in +<)<7he largest contribute in assets is A.&ane! that have contribution of .0

in +<)3, 0) in +<)2, +. in +<)+, /+ in +<)) and // in +<)< / Operating fi1e.

a!!et! an. both have same ratio 2 share in +<)3 and +<)2, +3 in +<)+, +. in +<)) and

+ in +<)< in total assets Deferre. Ta1 A!!et! there are not any asset in +<)3, and 3/

share in +<)2, <+ in +<)+, <2 in +<)) and <3 in +<)< Ot"er A!!et! 7here is 32

contribution in +<)3, 3/ in +<)2, 22 in +<)+, 3 in +<)) and 2/ in +<)<

1n liability side Bill! Pa'a-le is the first item and it has </ share in total liabilities in +<)3,

<0 in +<)2, )) in +<)+, <( in +<)) and )2 in +<)< Borro5ing! include in total liability

(, /., /+, /2, from +<)3 to +<)<7he largest contribution in liabilities is

Depo!it! an. ot"er ao,nt! that is /0. in +<)3, 0)+ in +<)2, 0+ in +<)+, 0)0 in

+<)) and 020 in +<)< out of total liabilities in all five years S,-or.inate loan! include in

total liabilities )2 in +<)3, </ in +<)2, <0 in +<)+ and ) in +<)) but no share in +<)<

Ot"er lia-ilitie! have +/ share in +<)3, and 2/ in +<)2, +2 in +<)+ 5 +<)<, but + in+<)) 7otal Liabilities have (+0 in +<)3, (3 in +<)2, (2( in +<)+, (2 in +<)) and

(+3 in +<)<

After subtracting total liabilities from total assets !e Net A!!et! have /+ in +<)3, . in +<)2

5 +<)+, / in +<)) and /. in +<)<

101



VERTI#AL ANAL6SIS OF THE IN#OME STATEMENT FOR THE LAST

FIVE 6EARS

()*) ()** ()*( ()* ()*9

Mar2,pRet,rn

Intere!t earne.

/+ :/+ 9/9 +/( :/*

Non mar2,p

Inome

6ee, Commission )<2 .( 0+ . (

@ividend income <3 ) <. 3

Income from

dealing in foreign

currency

+) )3 <0 +/ ).

Fain on sale of

investments)) )( / <3 +2

Un reali9ed gain <+ <+D <<)D <<) ;

1ther income +2 )3 <2 <+ <)

Total non

mar2,p

intere!t inome

*+/9 *(/9 *G/+ */ *(/8

Total Inome )<< )<< )<< )<< )<<

102




Mar#;upN

8eturnNInterest

e%pense )/) 23 2(( 30. 3/

Administrative

e%penses2. +/ +3 +2 +<+

4rovisions 5

Bad @ebts3( 2. )<0 () (

1ther 4rovision <) )) <. )) <+D

Wor#er Welfare

6und; ; ; <3 <

1ther charges <+ <<3 ) <0 <)

7otal e%penses 02 ..) /.2 0+( //.

Profit -efore ta1 3)/ 22( +2/ )/) ++3

Le!! Ta1ation

Current year ))2 ))+ / + /

4rior years <+ ; ; ; ;

@eferred 22 <2 <<3D <3 <2D

7otal 7a% )3/ )) / . /+

Profit after ta1 +/ ++3 ).+ )) )

VERTI#AL ANAL6SIS OF IN#OME STATEMENT

103



-ertical Analysis of the organi9ation from +<)< to +<)3 I get interest income plus non interest

income as )<< as base and compare all other income statement figures !ith it I evaluate all

the incomes and e%penditure for all five years Mar2 ,p earne. is the main source of income

and mar2 ,p e1pen!e is the main e%penditure of ban# Mar#up are 0/) in +<)3, 0.+ in

+<)2, 033 in+<)+, 0/.in +<)) and 02. in +<)< of interest income,

7otal non mar#up income is )+( in +<)3, )20 in +<)2, ). in +<)+, )+3 in +<)) and

).3 in +<)< out of total income &o total income is )<<

7hen less non mar#up e%penses //. in +<)3, 0+. in +<)2 and /.2 in +<)+, ..) and

02 in +<)) and +<)<

We get profit before ta% ++3 in +<)3, )/) in +<)2, +2/ in +<)+, 22( in +<)) and

3)/ in +<)< out of total income of ban# And the total ta%es of these five years are /+,

., /, )), )3/ from +<)3 to +<)3 After subtracting total ta% !e obtain Profit after

Ta13 )+ in +<)3, )) in +<)2 and ).+ in +<)+, ++3 in +<)) and +/ in +<)< out of

total revenue of ban#

104



7he &W17 analysis is a comprehensive and critical overvie! of the operations, procedures, rulesand regulations, services and other related activities, the analysis include the analysis of ABL

Ban# Branches in the light of the entire branch and Ban# specific variables !hich directly or indirectly affect the" operations of the branch 7he tool selected for the analysis of organi9ation is

&W17 analysis &W17 analysis is an acronym that stands for &trengths, Wea#nesses,

1pportunity and 7hreats

7his is a careful evaluation of an organi9ation"s

strengths to avail an opportunity by overcoming its !ea#nesses and phasing out all the threats to

its survival in order to gro! and survive

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STREN4THS

Allied Ban# Limited has certain strengths !hich are different from the other Ban#s

ABL is the first Muslim Ban# of the !orld, !hich is o!ned and managed by itso!n employs 7his is the biggest strength of the Ban#

A feeling of o!nership is presents in every employ, !hich not only helps in increasing the productivity of

employes but also creates sincerity !ith the Ban# in them

&trength is the high motivation of employees to their !or# because they #no! that !hat

so ever they do It !ill be in their o!n benefit 7hey #no! that the

pro fi t, !hich they !i ll ear n, !i ll be di st ributed among the employees &o they

!or# !ith high motivation and concentration

&alaries are very reasonable, so the employees are not financially disturbed and

they devote their selves fully to their !or#

7hey have !ide area net!or# in all over the 4a#istan, so that they cover a lot of

portion of cash transactions and ma#e customer satisfied

7he Ban# has very strict rules and regulations about the customer:s complaints

7he customers are treated as very special persons in the Ban#

7he branch is lin#ed through an online net!or# of B8AEC*$&, thus enabling them to serve

customer in better !ay

7his branch is provided !ith latest computer !hich increases the speed of computer !or#

7he branch is situated in commercial area !ere business activities perform greater as compare to

residential area 7hus it increases the number of customers

7he Branch has the most e%perienced and the least e%perienced staff, !hich is a good

combination of e%perienced heads and e%uberance of youth

All 4a#istan branch net!or# in remote areas

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$EAKNESSES

Eo entertainment facilities are available in the Ban# !hen customer goes to theBan# and !ait for a longer time 7hesefacilities can be the ne!spaper Maga9ines, etc

7he Branch has a good staff combination on the basis of e%perience, but their trainingcapabilities are not up to the requirements of the fast changing ban#ing environment

7he technical training of the staff is negligible eg in case of the absence of computer there is noalternate trained personal !ho can record the daily transactions

7he organi9ation is very much mechanistic and provides no fle%ibility to encourage creativity

7he organi9ational environment is not cooperative

In spite of the presence of technology many ?obs are done manually such as the letters, drafts for

fa% messages and other calculations, !hich could be easily, done in M& Word and Ms $%cel

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OPPORT%NITIES

7he policies of the ne! government to uplift the economy and pursue financialsector reforms are e%pected to yield positive results in the ban#ing industry of the

country 7he ABL is very !ell praised to avail promising opportunities

As a result of the different steps ta#en by the Fovernment regarding the

bet te rment of the economy &mall borro!ers are at tr act ed to get the financ ing and

start small businesses &o, 7he ABL has an opportunity to attract the customers bygiving them attractive schemes

7hey have !ide area net!or# in all over the 4a#istan, if ABL can ma#e it possiblethe fast delivery of fund from abroad through online ban#ing, It can cover the

ma?or mar#et of 4a#istan !hich still is capturing by :*undi:

A considerable portion of the labor force of the area is serving overseas 7heir families can be

encouraged to use ABL as channel for remittances

7he Internet facility in the area provides an opportunity to ABL to get 1nline

7he Ban# has the basic infrastructure, !hich can facilitate the online process 7he location of the

ABL, Ashraf abad branch itself provides an opportunity to ABL to get more and less costdeposits

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THREATS

6irst threat is that of political influence

7he biggest threat in the ban#ing sector is the continuous do!nfall of

thecountry economy since the last fe! years If this do!nfall remains formore fe! searsthen it may be the great barrier in achieving the Ban#:s ob?ectives

*igh;pressure interest groups are developing !hich poses a constant there at to Allied Ban#

7he biggest threat to the operational success of the branch is the better

Competitor"s services Many private sector ban#s are offering higher rates ofreturn to customers than Allied Ban# of 4a#istan

1ne of the biggest to the ABL, Ashrafabad branch is the increasing rate of dissatisfies customers

Most of these customers !ere observed to be dissatisfied !ith the delays in their servicing

Ee! 4rivates Ban# coped !ith emerging ne! 7echnology of I7

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TRAININ4 PRO4RAMS

Ati&itie! of intern!?

Internship is a prerequisite for completing the practical side to fulfill the BBA program

7heoretical sessions alone cannot ma#e a business student efficient and perfect in handling the

real life business situation 1nly a lot of #no!ledge !ill be little important unless it is applicable

in practical life &o !e need proper application of our #no!ledge to get some benefit from our

theoretical #no!ledge to ma#e it more fruitful When !e engage ourselves in such fields to ma#e

proper use of our theoretical #no!ledge in our practical life situation, only then !e come to

#no! about the benefit of the theoretical #no!ledge &uch an application is made possible

through internship 7he internship program has the follo!ing three phasesJ

)D 1rientation of the organi9ationJ to introduce the internee !ith the structure, function and

performance of the organi9ation

+D 7he pro?ect partJ pertaining to a particular problem or searching topic matching !ith the

internee"s capacity, interest on the organi9ation

2D 7he report !ritingJ to summari9e the internee"s analysis finding and achievements in the

preceding t!o phases

Sope of t"e !t,.'

7he field of my study is the operation of Allied Ban# L7@ 6or conducting this study an overall

#no!ledge of the total ban#ing system !ill necessary because the departments ban#ing are

lin#ed !ith each other due to some partial proceeding 7he scope of the organi9ation part covers

the organi9ation structure, bac#ground, ob?ective, function, departmentali9ation and business

performance of BL as a !hole

O-jeti&e of t"e report

7he ob?ectives of the report is to ma#e us #no!n the practical situation of commercial ban#s of

Bangladesh in overall activities and prepare me to face the comple% situation of ban#ing in this

country 7he primary ob?ective of this report is to commonly !ith the requirement of BL

*o!ever the ob?ectives of this study are something broader 1b?ectives of the study are

summari9ed in the follo!ing manner

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4eneral o-jeti&e!J

7he general ob?ective is to no! =Feneral ban#ing procedure of ALLI$@ Ban# Ltd

Speifi o-jeti&e!?

7o apply theoretical #no!ledge in the practical field

7o develop our s#ill on the ban#ing sector

7o #no! the customer service of ban#ing sector

7o observed the practice of modern technology in ban#ing sector

4ractical #no!ledge about transaction

7o assess the strength and !ea#ness

Met"o.olog' of t"e !t,.'

At the time of my internship period, I tried to use both primary and secondary data that I have

gathered from different sources !hich are given belo!J

So,re of .ata?

7hese sources are as follo!sJ

Primar' !o,re?

4rimary data are collected through t!o !ays 7hese areJ

aD 6ace to 6ace ConversationsJ some primary data are collected by ta#ing intervie! and by

discussion !ith the e%ecutives and officer of ABL

bD 1bservationJ *ere primary data are collected through spending three month in the ABL during

the !or#ing hour *ere I observed the total ban#ing process of ABL

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Seon.ar' !o,reJ

&econdary data are collected from the follo!ing sourcesJ

aD Annual reports of ABL

bD 4ublished documents

cD 1fficial files

dD @ata available !ith the !ebsite of BL

eD @ifferent publication of Bangladesh ban# and Bangladesh economic revie!s

Limitation of t"e !t,.'

$very matter has got some limitation &o this is also not an e%ception 7he limitations of this

internship report are been sated belo!J

@ue to time and cost restriction, the study is concentrated in selected areas 7o continue study in

such a vast are requires a big deal of time As an internee I had only three month !hich is not

enough

As a financial organi9ation a ban# has some restriction to serve all the real data of the ban# to the

general people as a result the study is mostly depends on official files and annual reports

Available data also could not be verified In most cases I simply did not have any option but tofurnish !ith data !ithout verification

ABL as a commercial ban# they are very busy and they could not able to give me enough time

for discussion about various topics

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PROBLEMS?

While !or#ing at ABL 6aisal to!n branch, I have attained a ne!er #ind of e%perience After

collecting and analysis data I have got some problem of the ABL 7hese problems completely

from my personal vie!point, !hich is given belo!J

Lac# of update products is a dra!bac# of the general ban#ing area of the ALLI$@ Ban# Ee!

products such as student loan, medical loan, marriage loan are not available in ABL

6rom the clients vie! introducer is one of the problems to open an account It is general problem

to all commercial ban#

7hey face troubles !ith those clients !ho have not any #no!ledge in ban#ing transactions and

ban#ing rules

As the deposit is heart of running the ban#ing activities ALLI$@ Ban# @eposit gro!th not good

Because ALLI$@ Ban# deposit rate is lo! other than commercial ban# such as @ha#a Ban#,

4rime ban# Mercantile Ban#, *&BC Ban#, Ban# Asia etc

ABL has not recruited competent people to filling its lo!er and mid level position they recruit

only once a year 7his is really tough to recruit high s#illed employees

Lac# of proper training arrangement of employees

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RE#OMMENDATIONS FOR THE OR4ANIATION

Wor#ing !ith Allied Ban# !as a lifetime e%perience for me because not only it has made me

able to step into my practical life but it also provided me !ith the e%posure of a multinational

organi9ation I have learnt a lot from my internship !ith Allied Ban# 7he overall !or#ing

e%perience, the !or#place environment, the help from the seniors and many more !as e%cellent

If anyone !ho see#s his career in the ban#ing sector in 4a#istan, probably Allied Ban# is the best

place he can find

While doing my internship training of 0 !ee#s in Allied Ban# of 4a#istan, I have analy9ed some

problem in the Ban# eeping in vie!s those problems follo!ings are my recommendationsJ

* 7he ban# has a lot of financing schemes but there are little advertisements of these schemes so

ABL should more advertise its schemes

(/ Most of the ban# employees are stic# to one seat only, !hich result that they become master of

one particular ?ob and lose their grip on other ban#ing operations &o, all employees should have

regular ?ob rotation

/ &ome of the talented employees should be sent to other countries for their advance trainings

9/ In bac# offices the employees are still depend on manual !or# !hich causes slo!

performance It should convert their system to an automated one

G/ ABL should promote the paperless ban#ing

+/ In some groups or !ings, approach to!ards employees is still bureaucratic, late promotion,

favoritism in appraisals and lac# of sufficient incentives are some problems arising

dissatisfaction so the employees should be promoted on fair policies to increase more satisfaction

among them

:/ ABL should introduce the Islamic products because it has the potential mar#et

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/ When giving the loan, the Ban# must carefully analy9e the past si% month"s transaction history

of the borro!er 7his !ill help in ?udging the dealing behavior and financial status of the client

In most cases, this thing is not properly done and it is the ma?or reason of default of many

clients

8/ 7he Ban# should #eep the proper cheque on stoc# !hich is hypothecated A te%tile o!ner may

ret the loan on same )<,<<< bales of cotton from chec#ing system of the Ban#

*)/ 7he Ban# should try to give more loans to the small borro!ers as the past history sho!s that

most of the loans given to the corporate borro!ers have converted into bad debts

**/ When any one comes to operate the loc#ers, then the things !hich he #eeps in loc#er should

be chec#ed through metal detector for security purposes

*(/ All the Ban# Branches should be getting online to provide the quality and speedy services to

the customers and also remain competitive in the mar#et

*/ 7he circle of A7M machines should e%tend in all the ma?or cities of 4a#istan

*9/ With the internship letter should also be requested to provide us the financial reports

Because !hen !e demanded the financial reports they said that this is confidential And they are

not allo!ed to provide these statements to any trainee

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#ON#L%SION

At present there is no such organi9ation in the !orld that is free from problems and challenges

$very concern has to strive and struggle a lot to be more profitable and to get more competitive

edge

7he management of ABL is ta#ing strategic steps to enable the ban# to emerge as a strong and

progressive institution It is continuing to ma#e efforts to refine its products and operations to

ma#e them more compatible Ee! deposit schemes have been introduced and an action plan to

maintain revenue gro!th in future

@uring my internship I have learned many ne! things in spite of the #no!ledge gained at

university and also came to conclusion that education alone is not enough, practical training in

every field is crucial to become a successful manager

7he ban# has great image due to the trust but it needs to use it effectively to increase mar#et

share Also the fla!s in branch operations such as misallocation of resources should be rectified

As the business and economic conditions remain uncertain, ABL continues to develop the ne!

products li#e it has been doing in past

@uring my internship training at ABL 8egency 4la9a Branch 6aisalabad I have learned a lot It

!as a geed e%perience for me In )((), the ABL became the first 4a#istan"s 4rivati9ed ban#

After privati9ation, the profitability and performance of the ban# has increased 7oday ABL

represents a ban# that has gro!n !ith time

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4OOD FEAT%RES

7he staff of foreign e%change department is highly professional All the members of this

department are highly educated and trained they !or# in a proper !ay and follo! all the rules

and regulations, that is !hy this department of this branch is most professional and highly

profitable department of the !hole ABL

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REFEREN#ES

&yed &a?ad *ussain &hamsi

Branch 1perations Manager, ABL Freen 7o!n, LahoreD

Mr Moa99am Ali Moa99am

MF;)+, ABL Freen 7o!n LahoreD

httpJ!!!ablcom

Annual 8eport 1f +<))

Allied Maga9ines

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Anne1,reJA

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Anne1,re#

Management "ain of omman.

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resident

Senior ice resident

ice resident

Eecutive ice

Senior Eecutive ice

egional General

Branch Manager



Note?

$very organi9ation has its management system 7he structure of *ead office of the Allied Ban#

Ltd is controlled by a panel called board of directors 7he board of director is also divided into

three main head that is Board audit committee, Board *8 committee and Board 8is#

management committee It has the 4resident and @C$1, C$1 &ecretrait, Business manager and

also control other head li#e *8, Compliance 5 internal control, 8is#, 6inancial officer and *ead

of operations 5 I7

*eads of 7reasury, Corporate, 8etail ban#ing, Commercial ban#ing, Agri ban#ing, &trategic

@evelopment, Assets management and Islamic ban#ing report to @C$1, !hich is liable to report

to 4resident and this reports send to board of directors for further evaluation and decision

ma#ing All the investigations are moved to!ards Board of @irector

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