ALLIED BANK LIMITED

AN INTERNSHIP REPORT
ALLIED BANK LIMITED
Submitted To:
SIR NAZIK HUSSAIN
Submitted BY:
SHAFI UR REHMAN
MBA (Morning)
RO NO: !"
Se##ion ($%&%'$%&()
)E*ARTMENT OF MANA+EMENT S,IEN,E
T-e I#./mi/ Uni0er#it1 o2 B/-/3/.4ur

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ALLIED BANK LIMITED

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ALLIED BANK LIMITED

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ALLIED BANK LIMITED
*re2/5e
Internship is the integral and basic requirement ! all the business stud"
prgrammes in all ! the business stud" institutes as it is necessar" and
basic requirement ! the MBA degree ! the Department ! Management
#ciences The Islamia $ni%ersit" ! Baha&alpur' Because it is the practical
implicatin ! the theretical (n&ledge &hich &e ha%e taught in ur
business sub)ects t gain !urther (n&ledge and e*perience abut
pr!essinal business acti%ities' It equips us &ith the necessar" (n&ledge+
s(ills and %alues ! business culture &hich are basic requirement ! the
business pr!essinal and &hich als helps ne& graduates t per!rm
pr!essinall" as the" get !irst step in their practical pr!essinal li!e'
,r this reasn I &as placed at Allied Ban( Limited Dubai -h&( Branch Baha&alpur
&here I ha%e dne m" si* &ee(s internship' During m" internship tenure I ha%e gained a
lt ! (n&ledge abut peratins under the super%isin and guidance ! m" Internship
#uper%isr' During m" &hle duratin I &as rtated in all the di!!erent departments !
the ban( and &as thrughl" brie!ed abut the prcedures ! all the ban(ing peratins
b" the cncerned sta!!' M" internship reprt cntains all the (n&ledge &hich I ha%e
learnt there' Dear readers this reprt is prepared in %er" simple+ eas" and understandable
&a" s that cmmn and rdinar" readers &h d nt ha%e ban(ing (n&ledge can als
ta(e bene!it !rm this reprt' I hpe m" reprt &ill gi%e "u eas" and deep %erl( !
all the ban(ing peratins t the readers
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ALLIED BANK LIMITED
)edi5/tion
I 3ou.d .i6e to dedi5/te
T-i# intern#-i4 re4ort
To m1 -onor/b.e 0u te/5-er#
And m1 #4e5i/.# reg/rd# to m1
Mo#t re#4e5t2u. /22e5tion/te .o0ing 4/rent#7
8-o /.3/1#7
*r/1ed 2or m1 #u55e## /nd betterment9

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ALLIED BANK LIMITED
A56no3.edgement
All praises are !r Allah Almight" that has best&ed upn human being the
cr&n ! creatin and has end&ed him &ith (n&ledge and &isdm' A!ter
Allah+ the last 0rphet Mhammad 10B$23 4h brught !r us re%elatin
and unlimited (n&ledge and ci%ili5ed the barbarian human being'
I am %er" than( !ull t Allah Almight" &h ga%e me the curage t
cmplete this cmple* tas( and t m" e%er caring and l%ing parents &hse
pra"ers helped me t reach this stage ! m" li!e'
Besides+ there are man" peple &h supprted me in !rmulatin ! this
reprt and &ithut the supprt ! them I culd ne%er be able t cmplete
this reprt success!ull"' In this respect I am %er" than( !ull t Mr'Adnan
6a!ar1Branch Manager3 and the quali!ied sta!! members ! Allied Ban(
Limited Baha&alpur+ &h cperated &ith me &ith their guidance at each
step ! m" internship' The" ha%e pr%ided me a lt ! imprtant
in!rmatin and (n&ledge abut the ban(ing peratins in a %er" shrt
perid ! time'
Last but nt least+ m" %er" special than(s t Mr9 N/:i6 Hu##/in 1Incharge
Internship 7 0lacement3 &h pr%ided me &ith his guidance and pr!itable
(n&ledge &hene%er I need that'
SHAFI UR REHMAN
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ALLIED BANK LIMITED
E;e5uti0e Summ/r1
I did m" internship in allied ban( limited Dubai -h&( Branch !rm 9ul" 18+ 2:12 t
august 2.+ 2:12'As it &as m" !irst e*perience ! &r( s the" rtated me in di!!erent
departments ! branch mainl" depsits+ bills+ remittances+ cash+ clearing+ it+ accunts and
ad%ances' The sta!! made me learns the basics ! di!!erent department and in this &a" I
!aced lt ! di!!iculties during the span ! learning but I gt !ull attentin and sprt !rm
the sta!! and the" reall" made me learn a lt' At the end ! internship the manger ga%e
me the internship e*perience letter and e%aluated m" %erall per!rmance n e%aluatin
prescribed b" ur uni%ersit"'
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ALLIED BANK LIMITED
T/b.e o2 ,ontent#:
,-/4ter '&
Intrductin
<%er%ie& ! the ABL Ban(
2istr"
Nature ! the <rgani5atin
Business =lume
0rduct Line
-mpetitrs
,-/4ter '$

<rgani5atin #tructure
<rgani5atin 2ierarch" -hart
Number ! Empl"ees
Main <!!ices
-mments n the <rgani5atin #tructure
,-/4ter ' !
0lan ! "ur Internship 0rgram
Intrductin ! the Ban(
#tarting 7 Ending date ! Internship
Department in &hich "u gt Training
Training 0rgram
Intrductin ! all Department
Descriptin ! the Department I am &r( in
,-/4ter ' (
#tructure ! the ,inance Department
Department 2ierarch"
Number ! empl"ees &r(ing in ,inance Department
,inance 7 Accunting <peratins
,unctins ! the ,inance Department
Accunting s"stem ! the <rgani5atin
,inance s"stem ! the <rgani5atin
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ALLIED BANK LIMITED
$se ! electrnic data in decisin ma(ing
Mbili5atins ! !unds
?eneratin ! !unds
#urces ! !unds
Allcatin ! !unds
,-/4ter ' <
-ritical Anal"sis
,inancial Anal"sis
1i3 @ati Anal"sis
1ii3 2ri5ntal
1iii3 =ertical Anal"sis !r the last three "ears

,uture prspect ! the ABL Ban(
,-/4ter = >
#4<T Anal"sis ! the ABL Ban(
-nclusin 7 @ecmmendatin
@e!erences 7 #urces $sed
Anne*es
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ALLIED BANK LIMITED
& ' INTRO)U,TION:
8-/t i# B/n6?

BA #1#tem o2 tr/ding in mone1 3-i5- in0o.0ed #/2egu/rding de4o#it /nd m/6ing
2und# /0/i./b.e 2or borro3er#@
<r simpl"+
A b/n6 i# /n in#titution 3-i5- A55e4t de4o#it# /nd gi0e /d0/n5e#9
)e2inition o2 B/n6:
An rgani5atin usuall" a crpratin
-hartered b" a state r !ederal g%ernment+ &hich des mst r all ! the
!ll&ingC
@ecei%es demands and depsits+
2nr instruments dra&n n them+
And pa"s interest n themD Discunts ntes ma(es lans+ and in%est in
securitiesD cllects chec(s+ dra!ts+ and ntesD certi!ies depsitrEs chec(sD
and issue dra!t+ and cashier'
About A..ied B/n6:
Allied Ban( Limited is the !irst ban( incrprated n the sil ! 0a(istan' It &as
incrprated in Lahre be!re independence in 1A.2 as Australasia Ban( and &as
renamed as Allied Ban( ! 0a(istan Limited in 1A;. and Allied Ban( Limited in 2::/'
In August 2::. as a result ! capital recnstructin+ the Ban(Es &nership &as
trans!erred t a cnsrtium cmprising ! Ibrahim Leasing Limited and Ibrahim ?rup'
Allied Ban( Limited is the ne ! the tp and ren&ned ban( it has e*cellent reputatin'
In the &a(e ! its success ne ! the mst imprtant !actrs+ apart !rm its energetic
management and prudent apprach+ is the AUAITY ! its SERBI,ES+ &hich gi%es it
a great peripher" %er its cmpetitrs ABL is pr%iding the mst mdern and
technlgicall" ad%anced ser%ices t itEs custmers accrding t the custmers need and
demands+ and hence the ABL is meeting the custmers e*pectatin %er" !inel"' BANK
has al&a"s stri%ed t !acilitate its custmers b" intrducing %arius high qualit" hiFtech
ser%ices'
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ALLIED BANK LIMITED
Tda" the Ban( stands n a #o.id 2ound/tion o2 o0er >> 1e/r# ! itEs e*istence ha%ing a
strng equit"+ assets and depsits base !!ering uni%ersal ban(ing ser%ices &ith higher
!cus n retail ban(ing' The Ban( has the ./rge#t net3or6 ! nFline branches in
0a(istan and !!ers %arius technlg" based prducts and ser%ices t its di%ersi!ied
clients thrugh its net&r( ! ""C branches in %er 3:: cities and t&ns' The ban( has in
place the largest ATM net&r( in the cuntr" &ith mre than /:2 ATMs in mre than
&(< cities and t&ns acrss 0a(istan
M/in Se5tor o2 t-e Org/ni:/tion:
Main sectr ! the ABL are theC
-redit department 1Ad%ances department3
,reign currenc" department 1Depsit department3
-ustmer management ser%ices
The credit department and the !reign currenc" departments are basicall" the main
departments in &hich the rgani5atin is dealing at a large scale and dealing is set in
mtin in custmer management ser%ices department' These departments are pla"ing a
%ital rle in ban(ing sectr' These departments gi%e the ban( a real business'
,redit )e4/rtment:
The main !unctin ! the credit department is t lend mne" t the
brr&ers n the interest and hence ban( earns a lt 'ABL is ser%ing the custmers b"
gi%ing the shrt term+ medium term+ lng term+ !arm and nn !irm credits' The ban(
lends mne" against sme guarantee r pledges r sme prpert"' ABL the is gi%ing the
clean ad%ances against prmissr" ntes+ gi%ing secured ad%ances against tangibles and
mar(etable securities and n& als lending mne" against li!e plicies and imm%eable
prpert"'
Foreign 5urren51 de4/rtment:
The ABL is als gi%ing the !acilities ! !reign currenc"
accunt as &ell as 0a( rupee accunt' ,reign currenc" department is als pla"ing a %ital
rle in the ban(ing and it becmes immense surce ! earning' In the allied ban( the
!reign currenc" accunt can be pened in man" currencies but the !ur main currencies
areC
$# Dllar 1$#D3
Eur 1E$@3
9apanese "en 190G3
#terling 0nd
,reign currenc" accunt can be pened in man" accunts such asC
-urrent accunt
#a%ing accunt
Term depsit accunt
,u#tomer m/n/gement #er0i5e#:
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ALLIED BANK LIMITED
This is the department &hich is dealing &ith custmers
and cn%inced them t&ards t pen the accunts and persuading them t indulging in
man" ther acti%ities ! ban(+ these departments ser%ing the custmers in the %arius
&a"s'
The ab%e t& departments acti%ities are actuall" starting !rm here it can be sa" that
custmer ser%ice department is cmpsed ! the !reign currenc" departments and credit
departments'

BISION
T becme a d"namic and e!!icient ban( pr%iding integrated slutins and the
!irst chice ! ban( !r all custmers'
MISSION
T pr%ide %alueFadded ser%ices t ur custmers
T pr%ide highFtech inn%ati%e slutins t meet custmer requirements
T create sustainable %alue thrugh gr&th+ e!!icienc" and di%ersit" !r all
sta(ehlders
T pr%ide a challenging &r( en%irnment+ and re&ard dedicated team
members
T pla" a practi%e rle in cntributing t&ards the sciet"
BAUES
Integrit"
E*cellence in #er%ice
2igh 0er!rmance
HInn%atin and ?r&th
N/ture o2 t-e Org/ni:/tion:
Allied Ban( Limited is #cheduled Ban('
Allied Ban( Limited 1Allied Ban(3 pr%ides retail+ cmmercial and crprate ban(ing
ser%ices'
The ban( is listed n all stc( e*changes in 0a(istan
ABL is a 0ri%ate Ban('
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ALLIED BANK LIMITED
#5-eme#:
Allied $mrah Aasan
Allied Taha!u5 Depsit #cheme
Allied Kar5as #cheme
Allied Bachat scheme
Fin/n5e F/5i.it1:
-ash ,inance
Demand ,inance
@unning ,inance etc
Agricultural ,inances etc

Accounts facility:
Current Account
Saving account
Other Accounts
Banking provides:
Internet Ban(ing
Allied basic Ban(ing
,reign currenc" ban(ing
)e4o#it#:
Allied pr!it plus term depsit
Allied pr!it depsit
Allied mnthl" incme scheme etc
/rge
ATM Net3or6:
2.I; a%ailabilit"
,om4etitor#:
T-e#e /re t-e #ome 5om4etitor#9
H/bib b/n6 .imited
Soneri b/n6
A.2/./- b/n6
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ALLIED BANK LIMITED
United B/n6 imited
T-e b/n6 o2 *unD/b
Soneri B/n6 imited
B/n6 A.'H/bib imited
B/n6 A.'F/./- imited
Hier/r5-1 5-/rt
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ALLIED BANK LIMITED
Page 1/
*RESI)ENT
cc
SENIOR EEE,UTIBE
BI,E *RESI)ENT
*RESI)ENT

EEE,UTIBE BI,E
*RESI)ENT
*RESI)ENT
SENIOR BI,E
*RESI)ENT


BI,E *RESI)ENT
OFFI,ERS +RA)E
I II III
ASSISTAN,E BI,E
*RESI)ENT
ASSISTANTS
*RESI)ENT

,ASHER
ALLIED BANK LIMITED
Page 18
Br/n5- M/n/ger
O4er/tion M/n/ger
)e4/rtment In5-/rge

O22i5er#
Te..er
,/#-ier
ALLIED BANK LIMITED
,omment#:
The success!ul management depends n these !actrsC
,ull" and hearted cntributin ! all the membersIempl"ees'
#uccess!ul rgani5atinalImanagement structure usuall" depends upn the !ull" and
acti%e cntributin ! the each member ! the rgani5atinC
Su5- /# 5ontribution o2:
0resident
Bard ! directrs
#uper%isrs
All empl"ees etc'
And the rgani5atinImanagement structure als depend upn the
The manner ! ding the &r( at each le%el is als %er" imprtant
Dubai -h&( branch ha%e ab%e bth !actrs+ e%er" empl"ee is respnsible !r senir
!!icer in the branch and &r( &ith !ull" attentin and de%tin+
And the %erall branch is under the cntrl ! bard ! directrs and president etc' and
hence %erall &r(ing ! the branch is best'
As the branch is under the cntrl !C
0residents and bard ! directrs+
E%er" )unir empl"ee ! the branch is under the cntrl ! his senir !!icerIempl"ee
and it creates the dual cntrl n the branch and hence branch is &r(ing &ith !ull
a&areness and &ith intimatin and hence the Dubai -h&( branch structure is !ull"
!ul!illing the requirement ! the rgani5atin'
He/d Au/rter#:
There are ,ur *ro0in5i/. He/dFu/rter# ! Allied Ban( Limited situated at Lahre
10un)ab3+ Karachi 1#indh3+ 0esha&ar 1N4,0 7 A5ad Kashmir3 and Juetta 1Baluchistan3
Number o2 em4.o1ee#:
Ttal number ! empl"ees in Dubai -h&( Branch is &(9
In %er all Allied Ban( numbers ! empl"ees areC
2:11 2:1: 2:11
Number !
empl"ees
>;13 >32/ >1>1
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ALLIED BANK LIMITED
)e4/rtment#:
-ustmer ser%ice Department
-ash department
Ad%ances Department
,reign currenc" Department
-learing Department
,reign currenc" Department
@emittance Department
<B-
Intercit"
Introdu5tion o2 /.. de4/rtment#:
,u#tomer Ser0i5e )e4/rtment:
This is the main department ! Dubai -h&( Branch
And this department is dealing &ith custmer and pr%ides them ser%ices !
gi%ing the in!rmatin abut the Ban(Es prducts and #er%ices'
And als help the custmer in di!!erent &a"s+ als respnse t the cmplaint'
,/#- )e4/rtment:
This is als the %er" imprtant and main Department ! ABL
branch as this department is dealing in cash &hich cme in the ban( r ges
!rm the ban(' -ash is in di!!erent !rm ! currenc"' Its basic !unctin is
dealing &ith @eceipts and 0a"ments'
,r e*ample+
Accept depsits in terms ! cash
?i%e ad%ances in terms ! cash
-llect utilit" bills etc
<ther surces
Ad0/n5e# )e4/rtment C
This Department is als pla" a %ital rle in ban(ing this
department gi%e ad%ances t the custmers etc
T accept depsits and lend r gi%e ad%ances is the basic and primar"
,unctin ! this ban('
The ban( lends mne" in the !rm !C
Ad%ances+ against prmissr" ntes
#ecured ad%ances against tangible and mar(etable securities'
Etc'
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ALLIED BANK LIMITED
Foreign ,urren51 )e4/rtment
The !unctin and rle ! !reign currenc"
department is %er" imprtant and pi%tal in the ban(ing sectr' It became the big surce
! a earning in ban(' As it is dealing in the !reign currenc"' The !reign currenc"
accunt can als be pen in man" accunts same li(e as 0a( rupee accunt+ such as+
#a%ing accunt
-urrent accunt
Term depsit accunt'
The ban( deal in three t"pe ! !reign currenc" accunt
$# Dllar 1$#D3
Eur 1E$@3
9apanese "en 190G3
#terling 0nd
,.e/ring )e4/rtment:
This department is used !r clearing !r e*ample clearance
! cheque and the &r( ! this department is %er" sensiti%e and time ta(ing'
The clearance is dealing &ith thse acti%ates &hen ban( recei%e r pa" the
amunts r cheque ! the ther ban(s !r instance the recei%ing r sending
amunt t Me5an ban( 2abib Ban( Limited+ Natinal Ban( ! 0a(istan+
#neri ban('
Intercit" and <B- actuall" the part ! the clearing department &ith little bit
di!!erence !unctining'
Remitt/n5e )e4/rtment:
The main tas( ! the @emittance department isC
Trans!er !unds !rm ne ban( t anther n demand
And the cllectin ta(es place in this department'
@emittances includeC
Demand dra!t 1DD3
-ash rder r credit rder
<nline inter branch transactin
*AN OF INTERNSHI* *RO+RAME:
Brie2 Introdu5tion o2 M1 Br/n5-:
I ha%e dne m" internship !rm allied ban( limited Dubai -h&( Branch+
Baha&alpur'It is lcated near Dubai -h&(' This branch has almst a 1.
empl"ees' Its branch cde is %C!& and Adnan 6a!ar is the Branch Manager !
this branch'
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ALLIED BANK LIMITED
it is a ne&l" built branch'It is dealing in %arius Tas(s'
Di!!erent t"pe ! peple cme !r pening di!!erent t"pes ! accunts+ )int
accunts+ single accunts and !r di!!erent ther acti%ities and als the" depsit
huge amunts'Thus+ It has ser%ing the all thse custmers in %arius aspects &ith
a high qualit" ! prducts and ser%ices' ItEs mde ! dealing is %er" attracti%e as+
It gi%es ad%ances and als per!rms the )b ! depsits at %er" attractable and
reasnable rates' It is pr%iding and intrducing the ne& and inn%ati%e prducts
its area 'It has a %er" gd prgress and earns high pr!itabilit"' And has a gd
reputatin'
STARTINN+ EN)IN+ )ATE OF INTERSHI*:
St/rting d/te: &> Gu.1
Ending d/te: $( Augu#t
Tr/ining 4rogr/m:
)et/i.ed de#5ri4tion o2 t-e A5ti0itie# 4er2ormed b1 t-e de4/rtment#:
I ha%e dne m" internship !rm ABL Dubai -h&( branch' The )b per!rmed b" these
departments is di!!erent and this di%isin is use!ul !r accurate per!rmance and &ell
managed !unctining ! each departments'
I ha%e &r( in these departmentsC
Accunt pening
@emittance
-learing
Depsits
I'T
)et/i.# )e#5ri4tion o2 t-e de4/rtmentH# /5ti0itie#:
All these departments are per!rming di!!erent particular acti%ities detail ! &hich is as
!ll&sC
A55ount o4ening de4/rtment:
The !unctin ! this department is t pen the accunt' And this department pla"s
%ital rle in ban(ing as this is hld the bac( bne psitin in ban(ing' The higher
the persns cme !r <pen the Accunt+ the ban(ing prceeds in the same
prprtin'
The ABL ser%ing the large number ! persnsIclients b" pr%iding them the !acilit" !
pening the di!!erent t"pes ! Accunt+ such as the !ll&ing accunts
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ALLIED BANK LIMITED
o T14e# o2 A55ount:
The accunt pening sectin deals in the pening ! !ll&ing t"pes ! accunts'
1' Indi%idualI 9int Accunt
2' #le 0rprietrshipI 0artnershipI 9int #tc(
3' BBA1Basic Ban(ing Accunt3
&9 Indi0idu/.I Goint A55ount
In it the" ma" pen the !ll&ing accunts
-urrent
#a%ing
A#DA
)o5ument reFuired !r pening the accunt are
<riginal ID
Letter 2ead 1in case ! businessman3
In case ! illiterate persn phtgraph ! the persn'
$9 So.e *ro4rietor#-i4I */rtner#-i4I Goint Sto56
In it the" ma" pen the !ll&ing accunts
-urrent
#a%ing
A#DA
Dcument required !r pening the accunt are
For So.e *ro4rietor#-i4
-p" ! NI- 1see riginal NI-3
Letter 2ead ! business
NTN
For */rtner#-i4
-p" ! NI- 1see riginal NI-3
Attested cp" ! B0artnership DeedK dul" signed b" all partners ! the !irm'
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ALLIED BANK LIMITED
Attested cp" ! @egistratin -erti!icate &ith @egistrar ! ,irms' In case the
partnership is unregistered+ this !act shuld be clearl" mentined n the Accunt
<pening !rm'
Authrit" letter+ in riginal+ in !a%r ! the persn authri5ed t perate n the
accunt ! the !irm'
-p" ! registratin certi!icate1 i! registered3
-mpan" Letter 2ead
T& re!erences
For Goint Sto56
-erti!ied cpies !C
@eslutin ! Bard ! Directrs !r pening ! accunt speci!"ing the persn1s3
authri5ed t perate the cmpan" accunt'
Memrandum and Article ! Assciatin
-erti!icate ! Incrpratin'
-erti!icate ! -mmencement ! Business'
-p" ! NI- 1see riginal NI-3
!9 BBA (B/#i5 B/n6ing A55ount)
This accunt is pen b" salar" persns and als !r
students' ,r pening the accunt !ll&ing dcuments are requiredC
-p" ! NI- 1see riginal NI-3
#alar" Letter r bn!ire letter !r students
Initial depsit @s'1:::
The ma)r acti%itiesI!unctins per!rmed b" this department areC
Acti%ities areC
Accunt pening'
Issuing ! -heque b(
Issuing ! ATM card'
T-e 4ro5e## o2 t-e /55ount o4ening i# /# 2o..o3#:
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ALLIED BANK LIMITED
The !irst set ! steps in the prcess ! accunt pening is the %eri!icatin ! the
applicantIaccunt pener &h &ants t pen the accuntC
The steps that are used in %eri!icatin areC
FIRST STE*:
To Obt/in Atte#ted ,o41 o2 B/.id ,NI,:
The !irst and !r mst step is t btain the identi!icatin card !rm the applicant
and chec( it care!ull" and then btain the attested cp" ! the identi!icatin card
and care!ull" see e*pir" date ! the date ! the identi!icatin card' I! the date !
the identi!icatin card is e*pired then the accunt cannt be pened mean this
natinal identi!icatin card is nt %alid' This is the basic requirement !r pening
the accunt'
I! identi!icatin date is nt e*pired mean %alid -NI-+ then prceed !urther' And
the accunt hlder must (n& the identit" card number ! his Ne*t ! (in'
Ne*t ! (in ma" be his mtherI!ather+ &i!eIhusbandD sisterIbrther etc bld
relatin is must &ith ne*t ! (in'
SE,ON) STE*:
To Obt/in Atte#ted ,o41 o2 Ser0i5e ,/rd7 S/./r1 ,erti2i5/te o2 Em4.o1ee
,erti2i5/te:
The secnd step is t btain the #er%ice certi!icatin letter'
4here the applicant is ding the )b' This is the necessar" dcument'
In case ! unempl"ed 1ha%ing n )b3 the
THIR) STE*:
The third step is t btaining ! di22erent do5ument# !r %eri!icatin ! the
persn' These include the dcument accrding t the T"pes ! Accunts'
E%er" t"pe ! accunt cntain di!!erent dcument' But attested cp" ! =alid
-NI- and attested cp" ! ser%ice card are the basic dcuments are that is
necessar" !r pening e%er" t"pe 1such as persnal+ business+ sle prprietr3 !
accunt'
A!ter recei%ing the necessar" required dcuments the ne*t step is the ,illing !
the Accunt <pening ,rm'
The Accunt <pening ,rm ! Allied ban( includes this !rmI sheets as !ll&s
&ith attachment arrangementC
#pecimen #ignature -ardC it is being !illed at the last but it is attach at the
!rnt ! the Accunt pening !rm'
-hec(list ! detail dcument
Accunt <pening ,rm Accunt Detail
-ustmer pr!ileC
-DDI KG- !rm
Allied cash L shp %isa DebitIATM -ard A44.i5/tion Form
S4e5imen Sign/ture ,/rd (SS,):
Page 23
ALLIED BANK LIMITED
4hen &hle the !rm ! Accunt pening is !ill then it is !ill 1usuall"3' This card
is attached at the !rnt in Accunt pening !rmIdcument it cntains !ll&ing
dataC
Title ! Accunt
Accunt number
<perating instructins
#pecial instructins
Name
#ignature
It shuld be remember that all signature shuld be same and matched &ith the
signature ! %alid identit" card'
Title ! Accunt cnsists ! the name ! the accunt hlder'
Accunt number is gi%en !rm cmputer and nte n the accunt pening
register it is dne at the last ! the prcess and then !ill accunt M in e%er" require
place'
,-e56.i#t o2 det/i. do5ument:
It cntains the di!!erent items ! the dcument that is btain !rm the custmer
under 0rudential @egulatin'
And it is attached &ith the custmer pr!ile in accunt pening !rm'
It shuld be chec(ed care!ull"'
-hec( thse items ! dcument that is btaining !rm the custmerIaccunt
hlder'
,r e*ampleC
These items are usuall" chec(edC
Attested cp" ! %alid -NI-
0htgraphI -NI- ! the accunt hlder1s3 b" ?a5etted !!icerI-it"
Na5im
Attested cp" ! #er%ice -ard+ #alar" certi!icate r empl"ee certi!icate
Etc
A55ount O4ening Form )et/i.:
A55ount o4ening 2orm 5ont/in# t-e#e d/t/:
a3 Accunt Detail
The t"pe ! accunt &hich an" persn &ant t be pen+ he has t select
that'
Nature ! the Accunt+
-urrenc" 1in &hich &ant t perate3'
b3 Additinal in!rmatin 1in case ! 0ersnal Accunt3
c3 Additinal in!rmatin 1in case ! Business Accunt3
Page 2.
ALLIED BANK LIMITED
d3 <ther instructins
e3 Declaratin 1it cntains signature ! applicant3
!3 ,r ban( use nl" 1it cntains Accunt number+ Mar(eting etc3
g3 Terms and -nditins
h3 Ac(n&ledgement
,u#tomer 4ro2i.e:
It cntains the persnal in!rmatin abut the custmer' The applicant can be !ill
the applicant himsel!'
It usuall" includesC
-urrenc" 1in &hich &ant t perate3'
0articular ! depsits' 10erid !r peratin3'
-mplete address'
Telephne number
Name'
Date ! birth'
Natinalit" etc'
Then signatures ! the accunt hlders and the ban(ers and manager'
#ignature ! the intrducer+ his accunt number and address etc'
,))I KY, 2orm C
It cntainsC
Title ! accunt
Di!!erent %eri!icatins
#urces ! incme
@is( pr!ile
-DDIKG- categr"
Accunt number
A..ied 5/#- J #-o4 0i#/ )ebitIATM ,/rd A44.i5/tion Form:
It cntains the in!rmatin abut %isa Debit card ATM card and accunt t"pe
in!rmatin etc'
-mpletin ! Accunt <pening ,rmC
It is chec(ed care!ull" that accunt pening !rm is cmplete in all respects and signed
b" the accunt hlder and intrducer'
St/m4# in ReFuired in A55ount o4ening 2orm#:
There are three stamps put n the Accunt pening !rm'
Attested stamp
#ignature %eri!" stamp
Page 2/
ALLIED BANK LIMITED
,t admitted i! ,t accunt
Issuance ! chec( b( and ATM cardC
A!ter the cmpletin ! !illing ! Accunt pening !rm the chec( b( is issued and
ATM cards i! applicant &ant ATM card 1issuance ! ATM card ta(ing mre time than
chec( b( issuance3'The issuance ! chec( b( and issuance ! ATM card is in
accunt pening department' The cheque b( is issued a!ter 2 r 3 da"s !rm pening
prcess ! the accunt' The Accunt N' is stamped b" the rubber stamp n each
-heque' Then it is gi%en t the applicantIaccunt hlder'
4hen all -heque b(s are issued t the custmers then these are recrded in the
-D B( r 0L# sa%ing b(' All -heque b(s are recrded &ith their aIc number and
name ! the accunt hlder'
These all &r( r acti%ities is dne in the Accunt pening Department'
REMITTAN,E:
KTr/n#2erring o2 2und# 2rom one 4./5e to /not-er 4./5e t-roug- in#trument#@
A central Accunt named as B*/6 /55ount@ is used b" all branches ! ABL !r dealing
&ith each ther'
All remittances made b" the di!!erent branches is cntrlled b" the */6 A55ount'
0a( AccuntC
0a( accunt is minted all the accunts ! the branches thatEs dealing &ith each ther'
And e%er" branch that is listed in the 0a( accunt is gi%en a speci!ic cde thrugh &hich
e%er" branch entered in 0a( accunt and dealing &ith ther branches'
$suall" t& t"pes ! remittance are usedC
Out3/rd remitt/n5e
In3/rd Remitt/n5e
Remitt/n5e out3/rd:
#uppse+ Mr' A cmes t the ABL branch and as( t ma(e Demand dra!t ! the amunt
! @s' ;/+:::IF n the name ! bene!iciar" &hse Ban( is the ABL Islamabad branch'
N& branch 1m" branch3 recei%es the amunt !rm Mr' A+ and prepare the Demand dra!t
! @#' ;/+:::IF and then send it t the ABL Islamabad branch' And m" branch &ill
in!rm t the -entral <!!ice that it has sent a Demand Dra!t ! amunt @s' ;/+:::IF t
the ABL Islamabad branch'
M" ABL branch 1sender ! DD3 &ill be debited &ith the amunt ! @s' ;/+:::
And
Islamabad branch 1recei%er ! DD3 &ill be credited &ith the amunt ! @s';/+ ::: in 0a(
accunt
Page 28
ALLIED BANK LIMITED
This is the prcedure ! Remitt/n5e# Out3/rd in 0a( accunt
In3/rd Remitt/n5e:
4hen the Dubai -h&( Branch recei%es the Demand dra!t !rm the ABL Islamabad
Branch then this is called the in&ard @emittance'
Then the sender branch that is ABL Islamabad branch &ill be debited in the 0a( accunt'
And the recei%er branch &ill be credited in pa( accunt'''
The remittance can be made thrugh the !ll&ing mde ! trans!erence'
The remittance can be made thrugh the !ll&ing mde ! trans!erence'
)em/nd )r/2t
*/1 order
Inter br/n5- tr/n#/5tion or on.ine b/n6ing tr/n#/5tion
)em/nd )r/2t or )):
Demand dra!t is the t"pe ! the cheque r &ritten rder &hich is dra&n n the custmer
demand' It s dra&n b" a branch ! a ban( upn the branch ! same ban( r ther ban(s it
is the rder t pa" certain sum ! mne" r t the rder ! speci!ied persn'
In BL ban(' Demand dra!t is issued b" the ABL ther branches ! the ABL+ r ther
ban(s n the demand ! custmer' Be!re issuing the DD+ it must be care!ull" chec( that
demand is in rder'
*/rtie# In0o.0ed in ))
o 0urchaser
o Issuing Branch
o Dra&ee Branch
o 0a"ee
*ro5edure 2or m/6ingI i##u/n5e )em/nd )r/2t:
,irst ! all a !rm called B,und Trans!er ,rmK has t be !illed' It is cmpulsr" t
!ill the entire mandatr" places+ such as currenc" ! instrument+ t"pe ! remittance
0articulars ! applicant+ applicant signature+ bene!iciar" details etc'
And at the last the authri5ed !!icer puts hisIher signature n DD !rm and three
stamps are pasted n itD
o Trans!er stamp
o #ignature %eri!ied stamp
o -rssing chec( stamp 1 in case i! hal! pa"ment is made thrugh cash !rm+ then
a chec( is !ill up !r this and attached &ith the DD !rm3'
And at the last the peratinal manager scrutini5es n this and then !r (eeping it in ban(
recrd all the recrds are trans!erred int the cmputer
Page 2;
ALLIED BANK LIMITED
,-/rge# 2or i##u/n5e ))#7
@s'1/:IF is charged !r accunt hlder thrugh his accunt r :'1:N Min
@s /::IF thrugh cash 1 AIc hlder and &al(FinFcustmer3 r :'2:N Min
,/n5e../tion 5-/rge#:
@s 3::IF 1!lat3
I##u/n5e o2 )u4.i5/te )) 5-/rge#:
@s 2/:IF charged !r accunt hlder thrugh his accunt
@s /::IF thrugh cash 1AIc hlder and &al(FinFcustmer3
,illingI issuance ! 0a" rderC
0a" rder is used t trans!er mne" &ithin cit"' It is %er" sa!e and cn%enient methd t
sending mne" !rm ne place t anther place'
*/1 order:
B0a" rder is used t trans!er mne" &ithin cit"K
0a" rder and DD are the same instrument but the di!!erence is that the DD is used !r
trans!erring the !und to out o2 t-e 5it1 &hile the pa" rder is used t trans!erring ! !und
3it-in t-e 5it17
The Dubai -h&( Branch als issue the 0a" rder that is 3ritten /ut-ori:/tion !r
pa"ment'
*/1 Order in0o.0e# t-e 2o..o3ing 4/rtie#:
0urchaser Ma" be a persn+ !irm+ cmpan" r lcal authrit"'
IssuingIpa"ing branch is ne &hich issuesIpa"s n presentatin'
0a"ee is a persn named there in'
*ro5edure:
,irst ! all the Applicatin !rm is gi%en t the custmer t !ill' And then t& signatures
are ta(en n the !rm ne !r request and ther !r recei%ing the instrument' All the
particulars ! applicatin !rm are chec(ed and ban( cmmissin charges and
&ithhlding ta* is &ritten n the tp ! the applicatin !rm' 0< can be made thrugh
-hec( and -ash
*/1ment re5ei0ed t-roug- ,-eFue:
The custmer can gi%e cheque !r ttal amunt ! instrument plus ban( charges i! the he
is maintained his accunt &ith the branch' -heque and applicatin !rm is then gi%en t
the !!icer ! -ash Department !r the pa"ment ! cheque' A!ter prper inspectin+
<!!icer ! -ash Department psts the cheque and signs the applicatin !rm in t(en !
pa"ment recei%ed'
*/1ment re5ei0ed in t-e 2orm o2 ,/#- C
I! the custmer &ants t pa" cash+ then cash is depsited b" the custmer alng &ith the
ban( charges and &ithhlding ta*'
Applicatin !rm is then gi%en t the @emittances Incharge !r issuance ! instrument'
2e &rites all the particulars ! the applicatin !rm in the s"stem and allts a number t
the instrument' T& authri5ed !!icers ! the branch sign it' Instrument is then gi%en
Page 2>
ALLIED BANK LIMITED
t the custmer' 4hen instrument is presented !r pa"ment+ canceled b" the @emittances
Incharge a!ter prper inquir"'
In case ! 0<+ remitter accunt is credited and 0< AI- ! branch is debited' At
presentatin+ Bene!iciar" is debited and 0< AI- ! branch is credited
,-/rge# 2or i##u/n5e o2 4/1 order:
@s';/IF is charged !r accunt hlder thrugh his accunt
@s /::IF thrugh cash 1 AIc hlder and &al(FinFcustmer3
,/n5e../tion 5-/rge#:
@s 1/:IF charged !r accunt hlder thrugh his accunt
@s /::IF thrugh cash 1AIc hlder and &al(FinFcustmer3
I##u/n5e o2 )u4.i5/te )) 5-/rge#:
@s 2::IF charged !r accunt hlder thrugh his accunt
@s /::IF thrugh cash 1AIc hlder and &al(FinFcustmer3
A2ter 5om4.etion t-e i##u/n5e o2 ))I*O t-e#e /re re5orded in t-e regi#ter#:
)em/nd )r/2tI*O I##ue Regi#ter:
A!ter !illing and ma(ing ! DDI0< + !r (eeping manual recrd these are recrded in the
DDI0< issue register and this register cntains the !ll&ing detailsC
Date
Dra!t Number
Name ! purchaser
,a%ring
Amunt
Amunt ! E*change
)em/nd )r/2tI*O */1/b.e Regi#ter:
4hen a DDI0< is paid and recei%ed then an entr" is made in the Demand dra!t pa"able
register' This register has the !ll&ing particulars'
Date n &hich it is recei%ed
Dra!t number and its date
,a%ring
Amunt
0aid n
,EARIN+ )E*ARTMENT:
,.e/ring:
The &rd clearing is deri%ed !rm the &rd B-LEA@K and it can be de!ined asC
Page 2A
ALLIED BANK LIMITED
B A s"stem b" &hich ban(s e*change -heques and ther Negtiable instruments dra&n
n each ther &ithin a speci!ied area and thereb" secure pa"ments thrugh the -learing
2use at a speci!ied time in a e!!icient &a"K
<r in shrtC
An" ban( is ding clearing that ma(es the uses ! the central clearing huse lcated in a
certain speci!ic lcatin !r the tr/n#2er o2 5redit# /nd 5-eFue# bet3een b/n6#
,.e/ring Hou#e:
An <!!ice &here di!!erent ban(s e*changes cheque and settle accunts'
There are t& ban(s in%l%ed in clearing prcess+ ne is the cllectr ban( and ther ne
is the pa"ee ban(' And a bd" called NI,T is als in%l%ed'
,o..e5tor B/n6:
-llects r recei%es the cheque ! the ther ban( gi%en t their custmer
*/1ee B/n6:
@ecei%es the cheques and pa"s it a!ter ha%ing all necessar" requirements
NIFT:
Natinal institute ! ,acilitatin Technlgies 10%t'3'Ltd
An institutin called NI,T is the bridge bet&een bth the ban( and all transactins
bet&een t& ban(s are dne thrugh the help ! NI,T'
It mderni5e the pa"ment s"stem and itEs prcess in 0a(istan started &ith the
implementatin ! !irst Autmed -learing huse 1A-23 in Karachi in 1AA8'
St/m4# ReFuired:
-learing stamp ! ne*t date n !rnt ! bill
-rssing stamps1 ban( name stamp3
-learing stamp n !rnt ! depsit slip
T14e# o2 ,.e/ring:
There are t& t"pes ! clearing &hich areC
<ut &rd -learing
In&ard -learing
Out A3/rd ,.e/ring:
4hen the ABL gi%e the pa"ment t the ther ban( thrugh clearing this is called
ut&ard clearing !r ABL ban(' And this is recrded in the 4hen thrugh clearing
pa"ment is gi%en t the ther ban( than this entr" &ill be recrded in ut&ard clearing
register'
<ut&ard clearing registersC
Page 3:
ALLIED BANK LIMITED
4hen thrugh clearing pa"ment is gi%en t the ther ban( than this entr" &ill be
recrded in ut&ard clearing register'
The regi#ter 5ont/in# the !ll&ing in!rmatinC
,rm &hm it is recei%ed
Dra&er
Dra&ee
-heque number
Accunt number
Amunt
IN8AR) ,EARIN+:
4hen thrugh clearing pa"ment is gi%en t the ther ban( than this entr" &ill be
recrded in ut&ard clearing register' This is ut &ard clearing register'
In&ard -learing @egisterC
4hen pa"ment is recei%ed !rm the ther ban( than entr" is recrded in in&ard
clearing register'
The register cntain !ll&ing in!rmatinC
#erial number
Date
Amunt
@emar(s
*ro5e## o2 ,.e/ring (In3/rd I Out3/rd):
I! the cheque recei%es r sends b" ne ban( t the ther ban( then the prcess ! clearing
is start' ,r e*ample i! accunt hlder ! ABL recei%es the cheque ! ther ban( li(e
-it" Ban(+ $BL etc+ and he submits it in ABL branch t be cashed' At the same time the
clearing prcess starts'
2ere the lcal cheques that are dra&n n ABL are recei%ed n a cunter alng &ith
pa"ing slips &hich shuld be prperl" and dull" !illed' Then cunter !li putting stamps
!r cheques number recei%ed !r cllectin !r ABL' And it is dul" signed b" !!icer'
These cheques are scrutini5ed and cheques !r lcal clearing are separated !rm <B-'
These are then entered in clearing register and cheques !r cllectin are entered in <B-
register and handed %er the Bills Department !r cllectin'
-learing !!icer chec(s and %eri!ies title ! all the cheques+ date+ signature and then
e%er" particulars ! the cheque' 2ence these+ -heques are scrutini5ed prperl" and
pa"ing slips are separated !rm cheques' -heques ! each ban( are srted and arranged
Page 31
ALLIED BANK LIMITED
branch &ise' and then Debit and credit %uchers are made !r clearance purpse' And
these %uchers are attached &ith e%er" cheque a!ter !illing the amunt+ ,-eFue L+ and
N/me o2 b/n6 ! that cheque that is ging t being cleared' And at the Tp the Tod/1
d/te and Our Br/n5- n/me (AB) is &ritten b" clearance !!icer' And then three
stamps are a!!i*ed n the cheque these stamps areC
Tda" Date stamp !rnt ! the cheque
-rssing stamp 1ban( name stamp ! clearing3 n the !rnt ! the -heque
0a"ee accunt credit stamp n the bac(
0ass these cheques alng &ith %uchersIad%ices+ all the cheques are entered int the
clearing s"stem ! the ban(' Then 0rint ut ! the clearing is ta(en and details are
attached &ith the cheques ! each ban(' Details ! these ban(s are then entered int the
clearing schedule cntaining number ! cheques presented and their ttal amunt against
the name ! each ban(' Then ttal number ! cheques presented t all ban(s and their
ttal amunt is &ritten n the !t ! that schedule+ &hich is tallied &ith the clearing
register'
Fir#t 5.e/ring #ent:
Ne*t mrning+ these cheques alng &ith %ucher are deli%ered t the respecti%e ban(s in
clearing huse ! NI,T bet&een AC:: t AC3:AM' In the same manner+ ther ban(s
present their clearing dra&n n ABL' Ttal number ! cheques and their amunt
deli%ered t ther ban(s and recei%ed !rm them are &ritten n the -learing 2use
schedule branch !r their pa"ment' A!ter prper scrutin" ! cheques+ %eri!icatin !
signatures and cn!irmatin ! balance in the accunt+ the <!!icer -ash Department pa"s
these cheques b" canceling and psting them in the s"stem'
#me imprtant cncepts shuld (eep in mind &hile ding the )b ! clearing ! chequeC
)/te: -heques shuld nt be pst dated r ut ! date'
Figure#: Amunt in &rds and !igures shuld match'
Sign/ture: Dra&ers signature must be clear'
*/1eeH# N/me: 0a"eeEs name shuld be &ritten+ and endrsement shuld be
as per the bene!iciar" ! the cheques
Inter5it1: -heques must nt be ! ther cities' Intercit" clearing cheques !r
cnsumer departments are nt entertained
There shuld be n %er &riting+ e%er" thing is &ritten clearl"'
,-eFue Return:
-heque can be returned and it cannt be passed due t these reasnsC
,und insu!!icientIInsu!!icient balance
Mismatching !igures
#ignature di!!er
,illing incmplete
#imilar man" ther reasns ma" be'

Page 32
ALLIED BANK LIMITED
I! an" cheque is nt passed due t insu!!icient balance+ mismatching !igures+ !illing
incmplete r an" ther reasn+ <!!icer -ash Department returns the same cheques b"
attaching cheques return mem cntaining reasn !r return' This cheque is entered int
the cheques returned register and ban( charges are deducted accrding t the schedule !
charges'
Se5ond ,.e/ring:
#ecnd clearing in ABL is at 2C3:0M t chec( the destin" ! the cheques presented t
ther ban(s in the mrning' I! an" cheque is t return+ that is deli%ered t the same ban(
in secnd clearing' In the same manner+ i! an" cheques presented b" ABL Ban( in !irst
clearing are returned+ the" recei%e it and nce again gi%e schedule ! clearing !igure t
the <!!icer -learing 2use NI,T cntaining number ! cheques and their amunt
deli%ered and recei%ed unpaid'
Inter5it1:
It is the same as clearing but the di!!erence is that the branch trans!er r recei%es the
cheque etc t r b1 t-e ot-er 5it1 branch r ban(s' And this includes that branches that
are ! lcal statin !r that ban( 1sender and recei%er ban(3'
For AB t-e#e /re t-e .o5/. 5itie# t-/tH# u#ed in inter5it19
I#./m/b/d
K/r/5-i
*indi
*e#-/3/r
Mu.t/n
*ro5e## o2 inter5it1 ,.e/ring:
Almst the intercit" 0rcess is the same as clearing &ith little bit di!!erence' E'g' !r
Intercit" -learing a stamp ! intercit" instead ! clearing psted n !ace ! bill+ then
amunt+ accunt number and cit" name is entered in a separate register and depsit slip
is attached in a speci!ic !ile' And a stamp is psted n bac( ! bill' A separate slip is
!illed !r e%er" cit" gi%en b" NI,T' In the speci!ied en%elpe is used !r e%er" cit" gi%en
b" NI,T &ith printed name ! cit"'
<ne ad%ice is made !r him' Three cpies are prepared !r each ad%ice' <ne ad%ice ges
t -#< !r recrd' <ne ges !r cashier and ne ges t the clearing department !r
entr" in the cmputer'
4hen &e release the intercit"Iclearing then &e &ill Debited the ad%ice and cheque &ill
credited' And &hen &e ldge the intercit"Iclearing then ad%ice &ill be credited and
cheque &ill be debited'
Page 33
ALLIED BANK LIMITED
OB, (out 3/rd bi.. 2or 5o..e5tion):
It is the same as clearing and intercit" but the di!!erence is that the branch trans!er r
recei%es the cheque ! the ban(s that are ut ! statin'
The ut ! statin cities !r the ABL areC
O6/r/ br/n5- o2 /#6/ri b/n6
M,B 5-/ng/ m/ng/ br/n5-
M,B br/n#- t-/t/
Ub. #-/di 3/.. br/n5- guDr/t
OB, ,OE,TION *RO,E)URE:
It is mentin n the cheque that the persn T 4hm It Ma" -ncern can cash it !rm
the certain branch ! the ban( in !a%r ! &hich itEs dra&n' The custmer presents the
cheque t his branch+ &hich sends a dcument called B<B-K t the ban( that has t
ma(e the pa"ment' The clearing department ! the recei%ing ban( !ll&s a prescribed
0rcedure and credits the amunt t sending ban( thrugh a central accunt maintained
b" each ban( &ith #B0' ABL sends the cheque t its &n branch i! a%ailable !r
cllectin !rm the pa"erEs ban(s ther&ise the <B- is directl" sent t ther ban('
MAINTAININ+ RE+ISTER 2or OB,HS:
4e ha%e a register in &hich &e ha%e the serial n !r <B- &ith ther details li(e
/mount7 d/te7 #ending /nd re5ei0ing br/n5-e#H 5ode#' E%er" <B- is entered in the
register n dail" basis' I! <B- is nt cleared due t &hat e%er !ault+ &e ta(e it bac( as a
return but a!ter that &e call the cncerned persn and &e als &rite name ! persn'
OB, /re o2 t3o t14e#C
IB, or inter b/n6 5o..e5tion:
4hen the cheque recei%ed b" the ban( !r clearing this is calls IB-'
OB, or out3/rd b/n6 5o..e5tion:
4hen the cheque is send b" Allied ban( limited t the ther ban( !r clearance this is
<B- !r Allied ban( limited'
,/..ing /nd #orting )e4/rtment:
In this department the &r( ! calling is dne and then srting is dne' -alling is
related &ith custmer dealing' Ban(ers call thse persns &h pen the %arius
accunts &ith ABL and ban(ers cn!irm !rm thse that the" &ill pen the accunt
r nt' The ban(ers call itEs trust &rth" and regular custmers and telling them
abut the ne& prducts and ser%ices and tend them t t&ards the purchases ! ne&
ser%ices' And als call the custmers &hen the sensiti%e issues are being deal'
,r E*ampleC
Page 3.
ALLIED BANK LIMITED
,r e*ample+ M@' A is the custmer ! the ABL+ and ABL has t allt the pin
number ! the ATMs card ! M@' A then the ban(er calls M@' A and get e%er"
in!rmatin abut its accunt' A!ter prper and cmplete %eri!icatin the ABL &ill
allt the pin number' I! ABL !inds an" (ind ! !raud then ban( &ill ne%er allt the
number+ and then start the %eri!icatin again'
-alling als includes the prcess in &hich ban(ers tell the custmer that their ATMEs
card are prepare please ta(e "ur ATMEs cards !rm Ban(s' Thus calling is the
prcess ! gi%ing in!rmatin t the custmer particularl" in!rmatin abut the ne&
prducts and ser%ices'
#rtingC
B#rting is prcess ! arrangementK
-alling and srting is basicall" related t the matching r teling ! &hle da" &r( at
the end ! the &r(ing da"K
*ro5e##:
#rting is the prcess ! arrangements ! accunt slipsIcheque etc are arrange in the
increasing rder' All %uchers are cllected !irst+ and then srt them accrding t the
accunts !r e*ample the current accunt %ucher+ 0L# sa%ing Accunt %uchers+
sta!! members %uchers etc the" all are separate !irst and then all %uchers ! each
categr" are arrange accrding t the increasing rder ! their accunt numbers'
-alling and #rting als includes the chec(ing ! Ban( histr"+ -ustmers -redit
2istr"+ stud" ! lan and !inancing that are gi%en t the creditrs' It can be sa" that
calling and srting is the re%isin prcess and cmplete bser%atin prcess'
8or6 done b1 me during intern#-i4:
I ha%e dne si* &ee(s internship !rm allied ban( Dubai -h&( Branch' And during m"
internship I &as &r( in di!!erent departments and I had been assigning &ith di!!erent
tas(s accrding t the departments'
During m" internship I ha%e learn man" things &hich I !und %er" interesting'
<ne the !irst &ee(+ the branch Manager tld me abut the empl"ees ! the Ban( and
hand%er me t the !emale ban( empl"ee and this madam tell me sme basic
in!rmatin abut the ban( and the !irst &ee(+ I did &r( in the Accunt <pening
Department'
Accunt <pening is the !unctin is t pens the accunts'
,irst da" Madam Mubashra #uper%isr ! the ban( ga%e me sme basic in!rmatin
abut the ban(' #he tld me abut the departments ! the ban( and sme ther basic
in!rmatin abut the ban(+ cheque+ recrds+ depsits slips+ current slip etc'
#ecnd da" she tld me that n& I ha%e t start &r( in the di!!erent departments' I
started m" internship !rm accunt pening department9
A55ount O4ening )e4/rtment:
Page 3/
ALLIED BANK LIMITED
I ha%e started m" internship !rm Accunt <pening department' #ecnd da" ! m"
internship the -ustmer ser%ice !!icer ne madam in!rmed me and taught me that h&
t pen the accunts'
#he tld me abut the di!!erent Accunts+ such as -urrent Accunt+ #a%ing Accunt+
)int Accunt+ Business Accunt'
Third da" I ha%e assigned the &r( ! <pening the Accunts+ and I en)"ed this &r( a
lt' I had pened the di!!erent accunts but I bser%ed during m" 8 ne &ee( in Accunt
<pening Departments that the mst clients cme t pen the persnal accunt and mst
! them are landlrds and ?%ernment ser%ants' The mst ! the &r(ing is cnducted in
this department and this department ha%ing a lt ! burden ! &r('
T/#6# A##igned to me in A55ount O4ening )e4/rtment:
To o4en t-e A55ount
Fi..ing o2 A55ount o4ening Form
Fi..ing o2 5-e56 .i#t
Fi..ing o2 KY, 2orm
T/6en #ign on S4e5imen Sign/ture 5/rd
A..ot t-e A55ount number
Enter t-e A55ount number into t-e re.e0/nt A55ount O4ening Regi#ter
,/..ing t-e 5.ient#I5u#tomer# i2 /n1 omi##ion or mi#t/6e 2ound in t-e
A55ount
I##u/n5e o2 ,-eFue boo69
,/..ing t-em /2ter re5ei0ing t-e ATM 5/rd o2 t-e 5u#tomer#Ii##u/n5e o2
ATM 5/rd
Te..ing t-em t-e rem/ining b/./n5e /nd ot-er /55ount in2orm/tion o2 t-e
/55ount
Fi..ing o2 di22erent #.i4#
,.o#ing t-e A55ount
*ro5e## )et/i.:
Ho3 to O4en t-e A55ount?
4hen persns came !r pening the Accunt I had %eri!ied the persn !irst and I ha%e
recei%ed cp" ! identit" card a!ter seeing the riginal identit" card and )bIser%ice
certi!icates in case ! ser%ant+ student identit" card in case ! student+ prpert"
certi!icate+ and then I &as starting the !illing ! Accunt pening !rm+ I had !illed the
Accunt pening !rm speci!icatins such as+
The t"pe ! accunt &hich an" persn &ant t be pen+ he has t select
that'
Page 38
ALLIED BANK LIMITED
Nature ! accunt &hether indi%idual r prprietrship r ther'
-urrenc" 1in &hich &ant t perate3'
0articular ! depsits' 10erid !r peratin3'
-mplete address ! the persn &h &ant t pen the accunt 1applicant3
-mplete address ! the ne*t ! (in ! the applicant
Telephne number ! the applicant and ne*t ! (in number
Nature ! business etc'
Detail ! ther accunts'
-mplete 0ersnal in!rmatin' &hich is required !r Accunt pening
!rm such asD
Name ! the applicant+ his !atherIhusband+ mtherI&i!e name+ and name
! his ne*t ! (in
Date ! birth'
Natinalit" etc'
Then signatures ! the accunt hlders and the ban(ers and manager'
#ignature ! the intrducer+ his accunt number and addressed
KY, 2orm:
A!ter !illing the !rm ! accunt pening I had 2i..ed t-e KY, 2orm 1(n&n "ur
custmer3'
'
T/6ing #ign on S4e5imen Sign/ture ,/rdC
4hen this !rm is !illed then signature ! the persn &h &ant t pen the accunt are t
be ta(en n the S4e5imen Sign/ture ,/rd' And I had chec(ed the signature care!ull"D
this signature must be matched &ith the identit" card signature' Then it is recrded in the
cmputer'
#pecimen #ignature -ard is a%ailable in Anne*es'
A..ot t-e A55ount number :
A!ter !illing ! all required dcuments I had allt the Accunt number t the ne& pened
accunt &hich is being prcessed till n&'
Enter t-e A55ount number into t-e re.e0/nt A55ount O4ening Regi#ter:
A!ter alltting the accunt M+ I put it in all the spaces ! accunt pening !rm+ ##- card
etc and then enter this accunt M in the rele%ant Accunt pening register+ !r e*ample
the accunt M ! )int accunt &ill be enter in the )int Accunt <pening @egister'
,/..ing t-e 5.ient#I5u#tomer# i2 /n1 omi##ion or mi#t/6e 2ound in t-e A55ount:
I did all the &r( ! pening accunt %er" care!ull"+ but i! there !und an" mista(e r
signature di!!er prblem r an" t"pe ! mista(e r missin then I had called thse
custmers and recti!" the errrs'
I##u/n5e o2 ,-eFue boo6:
Page 3;
ALLIED BANK LIMITED
A!ter the cmpletin ! all the !rmalities ! Accunt pening !rm the custmer
recei%es the letter ! than(s' Then' 2e &ill get the cheque b( &ithin a &ee( and m"
)b &as t recei%ing the cheque b( and I had t %eri!" the custmer signature and I
had t issue the cheque b( manuall"'
There is a requisitin slip &ith e%er" cheque b( !r the purpse ! re issuance !
cheque b( &hen all the lea%es ! !irst cheque b( are being used' The !ll&ing
in!rmatin is printed n the !rnt ! cheque b('
Title ! Accunt
Accunt number ! custmer
The stamp ! ABL
And it als cntains the signature ! the authri5ed persn and this all in!rmatin is
printed n e%er" page ! cheque b('
,/..ing t-em /2ter re5ei0ing t-e ATM 5/rd o2 t-e 5u#tomer#I i##u/n5e o2 ATM:
A!ter sme da"s ! pening accunt the ATMs are issued b" the ban(' M" )b &as t
recei%e the ATMs card ! applicants and then calling them'
I had called all the ATMs clients and tld them t bring their ATMs card it is issued'
I had issued the ATMs card and recei%ed the sign n the ATM recrd register and sign !
thse custmers &h had recei%ed their ATMs card b" me'
Te..ing t-em t-e rem/ining b/./n5e /nd ot-er /55ount in2orm/tion o2 t-e /55ount:
2ere I &as assigned the &r( ! telling the remaining balance+ pa"ments etc I used t tell
t the custmer abut their receipts+ pa"ments+ charges and remaining balance etc and I
tld these Accunt in!rmatin nl" thse persns &h are the real accunt hlder !
that accunt I ne%er tld these in!rmatin t an" ther persns &h as(ing these e%en t
his relati%e ne'
I had as(ed the accunt number and then a!ter pening the accunt n pc I used t as(
the title ! the accunt and a!ter prper %eri!icatin I used t tell the Accunt in!rmatin
t the real accunt hlder' A!ter telling I als recrd it n the b( that I pened and tld
this accunt in!rmatin t its accunt hlder'
Fi..ing o2 di22erent S.i4#C
2ere I had assigned the &r( ! !illing ! di!!erent slips ! the custmers &h didnEt
(n& h& t !ill the slip'
I had !illed di!!erent slips but I mstl" I had !illed these slips thatEs are
-urrent Accunt #lip
0L# #a%ing Accunt depsit #lip
Ho3 to 2i.. t-e ,urrent A55ount S.i4:
This slip is used !r current accunt nl" !r &ithdra&ing the mne" !rm current
accunt' It is %er" eas" t !illD I had !illed the !ll&ing in!rmatin in this slip
Title ! Accunt 1name ! Accunt hlder3 in t& spaces
0hne M ! the Accunt hlder
Accunt M in t& places
Page 3>
ALLIED BANK LIMITED
Amunt in !igures as &ell as in digits in t& places &hich the Accunt hlder
&anted t ta(e ut'
And &rd B-ashK in the particulars'
And then getting the sign ! the Accunt hlder'
*S S/0ing A55ount de4o#it S.i4:
I als had used t !ill these slips and 0L# sa%ing accunt slips are used incase ! sa%ing
Accunt and it is used 2or de4o#iting the cash r cheque etc' this slip is )ust li(e a
current accunt slip &ith the same !illing nl" &ith the di!!erence in the particulars
!illing and it include the stamp &hen I had recei%ed the cheque !r depsiting then I had
entered the cheque M ! the ban( that and name ! thse ban( !rm &hich the amunt is
being trans!erringI adding int the ABL accunt ! the accunt hlder''
1A%ailable in anne*es3
Remitt/n5e:
BTr/n#2er o2 2und 2rom one 4./5e to t-e ot-er 3it-in t-e 5it1 or out o2 t-e 5it1K
It is the ne ! the ma)r !unctin ! ban(ing sectr'
I &r(ed in this department !ur da"s i'e' !rm 2.
th
Ma" t 2>
th
Ma"'
T/#6# A##igned to me in Remitt/n5e )e4/rtment:
Madam Mubashra is the !!icer ! this department' During !ur da"s I ha%e &r(ed in
t& Assignments in this department'
Issuance ! Demand Dra!t 1DD3
Demand Dra!t Issue @egister
Demand Dra!t Issue 0a"able @egisterC
,illingI issuance ! 0a" rder
<nline inter branch transactin
Keep recrd ! all issued and paid pa" rder
*ro5e##:
Demand dra!t 1DD3C The !irst and the mst ppular &a" ! remittance is )em/nd )r/2t'
The DD has the !ll&ing in!rmatin &hich I had !illed during issuing the DDC
A ban( Demand dra!t has !ll&ing particularsC
0a"eeEs name
Date ! issue
Amunt in &rds and !igures
Dra&ee BranchEs name and cde
Address
#erial number
1NteC -mplete prcedure is gi%en ab%e'3
)em/nd )r/2t I##ue Regi#ter:
A!ter !illing and ma(ing ! DD I had t recrd this n the DD issue register and this
register ha%e the !ll&ing detailsC
Page 3A
ALLIED BANK LIMITED
Date
Dra!t Number
Name ! purchaser
,a%ring
Amunt
Amunt ! E*change
)em/nd )r/2t I##ue */1/b.e Regi#ter:
4hen a DD is paid and recei%ed then an entr" is made in the Demand dra!t pa"able
register' This register has the !ll&ing particulars'
Date n &hich it is recei%ed
Dra!t number and its date
,a%ring
Amunt
0aid n
,illingI issuance ! 0a" rderC
0a" rder is used t trans!er mne" &ithin cit"' It is %er" sa!e and cn%enient methd t
sending mne" !rm ne place t anther place'
0a" <rder in%l%es the !ll&ing partiesC
0urchaser Ma" be a persn+ !irm+ cmpan" r lcal authrit"'
IssuingIpa"ing branch is ne &hich issuesIpa"s n presentatin'
0a"ee is a persn named there in'
*ro5e##:
I issue the pa" rder b" ma(ing the pa" rder n the receipt and this receipt is Issue and
pa"able b" ther ban(' 2ere I had t ma(e the recrd ! all issued and paid pa" rders'
As pa" rder is in the &ritten !rm thus certain dcument !illed b" the clientIcustmer
and b" me''
Detail ! the prcedure is alread" described ab%e 1In departmentEs acti%itiesIperatin3
On.ine inter br/n5- tr/n#/5tionC
B<nline Trans!erring ! !unds !rm ne place t anther place B
This is als the %er" !ast+ cn%enient and ppular &a" ! trans!erring ! !unds !rm ne
place t anther place'
In this department I mstl" issueIprepare the nline inter branch slip'
On.ine inter br/n5- tr/n#/5tion S.i4:
This slip is used t trans!er !und !rm ne place t ther !ar place' I als !illed these slips
as &ell as ab%e slips' And this slip cntains the !ll&ing in!rmatinC
Applicant name+
ApplicantEs NI- N'+ address and Tel N'
@emte Branch name and cde+
Page .:
ALLIED BANK LIMITED
@emte Accunt title+ AI- N+
Amunt in @s as &ell as in &rds
#ignature ! the Applicant etc
And a!ter !illing+ I recei%ed the identit" card cp" and attach it &ith the nline slip'
And put a stamp n it'
,.e/ring )e4/rtment:
-learance means t clear the cheque ! ther branchesC
T/#6# A##igned to me in ,.e/ring )e4/rtment:
In this department I had dne these &r(s'
#rting ! cheques
Made %uchers
#tamping n -heques
@ecrded all in&ard clearing chequesI%uchers In3/rd ,.e/ring Regi#ter
@ecrded all ut&ard chequesI%uchers in clearing out3/rd ,.e/ring Regi#ter
@eturned cheque recrd
@ecrded the reasn ! returning and attached the reasn #lip &ith cheque
*ro5e##:
,irstl" I had t srt ut all the cheques branch &ise and then I used t scrutini5e the each
cheque the cheque shuld be !ree ! errr thatEs are ging int clearing+ all particulars
shuld !illed prperl"+ the sign shuld be matched the amunts in !igures and &rds
shuld be matched+ and stamp ! clearing ! ther ban( shuld be put n all cheques i!
there is an" mista(e e*ist in the cheques then thse cheque &ill be returned' And I had
!illed the returning reasn slip and then attached this slip &ith the -heque and then I had
t recrd this in the clearing returned register'
And thse cheque thatEs !ree !rm errrs I had selected them and then made their
%uchers and ad%ices and stamped them and then recrded all the %uchers and ad%ices
in their respecti%e register' i'e' in&ard clearing in in&ard clearing register and ut &ard
clearing cheques in ut &ard clearing register'
1NteC This is the #hrt prcess its detail 0rcess is gi%en ab%e3
Inter5it1:
Intercit" is the same as ! -learing but the di!!erence is that clearing is dealing thse
cheques ! ther branches thatEs are cme !rm &ith in the cit" and intercit" is used !r
ut side cit" cheques but lcal cheques 1NI,T ha%ing3
T/#6# A##igned to me in ,.e/ring )e4/rtment:
In this department I had dne these &r(s'
#rting ! cheques
Made %uchers
#tamping n -heques
@ecrded all in&ard intercit" chequesI%uchers In3/rd Inter5it1 Regi#ter
Page .1
ALLIED BANK LIMITED
@ecrded all ut&ard intercit" chequesI%uchers in clearing out3/rd Inter5it1
Regi#ter
@eturned cheque recrd
@ecrded the reasn ! returning and attached the reasn #lip &ith cheque
*ro5e## o2 inter5it1:
The detail prcess is gi%en ab%e'
OB, )e4/rtment:
I had als &r(ed in this department and the detail is gi%en ab%e'
,/..ing And Sorting )e4/rtment:
Detail ! this department is gi%en ab%e'
Stru5ture o2 t-e 2in/n5e de4/rtment:
)e4/rtment/. Hier/r5-1
Page .2
ALLIED BANK LIMITED

Number o2 Em4.o1ee# in 2in/n5e de4/rtment:
There are 3 1three3 prudent and e!!icient empl"ees &r( in the !inance department in
the Dubai -h&( Branch'
Fin/n5e /nd A55ounting o4er/tion#:
The ban( !inance peratins are usuall" dne b" the !inance grup alng &ith the help !
subrdinated empl"ees' And the main peratins that are dne b" !inance grup areC
*./nning /nd MIS:
In this head the !ll&ing peratins are ta(es int placeC
0lanning 1!inance related3
Translatin ! peratinal and !inancial data int strategic in!rmatin' ,r an
e!!ecti%e and e!!icient decisin ma(ing 1MI#3'
Fin/n5i/. /nd Regu./tor1 Re4orting:
,inance ?rup pr%ides timel"+ rele%ant and reliable in!rmatin t the sharehlders+
regulatrs and ther sta(ehlders &hile !ll&ing the statutr" requirements and
internatinal best practices'
T/;/tion:
Ta*atin management is als the main peratin in the !inance and accunting
departments' ,inance ?rup manages the Ban( &ide ta* matters and acti%ities t bring
ta* e!!icienc" &hile cmpl"ing &ith the ta* la&s'
A55ounting *ro5e##:
Page .3
Fin/n5e dire5tor
A55ount o22i5er
A##i#t/n5e A55ount o22i5er
ALLIED BANK LIMITED
ABL uses the Apprpriate Accunting plicies t per!rming the Accunting
<peratins' And these accunting plicies ha%e been cnsistentl" applied in preparatin
! !inancial statements' Accunting estimates are based n reasnable and prudent
)udgment and Internatinal Accunting #tandards ha%e been !ll&ed in preparatin !
!inancial statements and an" departure there!rm ahs been adequatel" disclsed in the
Annual Accunts'
Fun5tion o2 Fin/n5e )e4/rtmentC
A55ounting S1#tem o2 t-e org/ni:/tion:
,ull" cmputer base accunting s"stem
Duble entr" s"stem is used &hich is %er" reliable
?eneratin ! !undsC
Lending the lans t the custmer
Lending t !inancial institutin'
Fin/n5e S1#tem o2 t-e org/ni:/tion:
The !inance s"stem ! the rgani5atin is based n t& main !actrs that areC
Brr&ing
Lending
U#e o2 E.e5troni5 d/t/:
The ban( is using the Uni b/n6 s!t&are !r entering dataD
That is %er" reliable'
Sour5e# o2 2und#:
The surces ! the branch &here I ha%e dne the internship are mainl" thrughC
Depsiting
@ecei%ing interest n lending mne"
Brr&ing !rm state ban( ! 0a(istan
Ad%ances !rm ther !inancial institutins
?eneral Ban(ing incme'
A..o5/tion o2 2und#:
Ban(s allcates the !und usuall" t these partiesC
Lending t !inancial institutin
Lending t peple such as lan+
Page ..
ALLIED BANK LIMITED
Page ./

RATIO ANAYSIS
IAUI)ITY RATIOS:

-urrent @ati
Acid Test @ati
#ales t 4r(ing -apital
4r(ing capital
EBERA+E RATIOS:
Time Interest Earned
Debt @ati
Equit" r prprietar" rati
Debt I Equit" @ati
Debt t Tangible Net &rth @ati
Ttal -apitali5atin @ati
,i*ed Asset @ati I Equit" @ati
Lng term Assets %ersus Lng term Debt
*ROFITIBIITY RATIOS:
Net 0r!it Margin
@eturn n Assets
Du0nt @eturn n Assets
<perating Incme Margin
<perating Assets Turn%er
@eturn n <perating Assets
#ales t ,i*ed Assets
@eturn n In%estment 1@<I3
@eturn n Ttal Equit"
@eturn n equit" -apital
?rss 0r!it Margin
MARKET RATIOS:
Earning per #hare
Di%idend "ield
B( %alue per share
Di%idend Gield
B( =alue per #hare
A,TIBITY RATIOS:
Ttal Asset turn
Ad%ances t depsit rati
ALLIED BANK LIMITED
,URRENT RATIO:
,URRENT RATIO M ,URRENT ASSETSI,URRENT IABIITIES
Ru4ee in N%%%H
Page .8
IAUI)ITY
RATIOS
2:11 2:1: 2::A
-$@@ENT A##ET#
33;;;:A.A 31AA8>.>2 2A228.>./
-$@@ENT
LIABILITIE# 23A.;3;8. 221:.3121 21:282.;>
-'AI-'L 1'.1 1'./ 1'3A
ALLIED BANK LIMITED
A,I) TEST RATIO:
MIAUI) ASSETSI,URRENT IABIITIES
Ru4ee in N%%%H
SAES TO 8ORKIN+ ,A*ITA RATIO:
MTOTA SAESI8ORKIN+ ,A*ITA
Ru4ee in N%%%H
Page .;
2:11 2:1: 2::A
LIJ$ID A##ET#
/8222>/8 .2A/;/8A 338.1AA8
-$@@ENT
LIABILITIE#
23A.;3;8. 221:.3121 21:282.;>
L'AI-'L :'23 :'1A :'18
ALLIED BANK LIMITED
8ORKIN+ ,A*ITA:
M,URRENT ASSETS = ,URRENT IABIITIES
Ru4ee in N%%%H
8ORKIN+ ,A*ITA cmpares the current assets &ith the current liabilities it
indicates that either the !irmIban( is in a cnditin that it can pa" itEs liabilities &hen
Page .>
2:11 2:1: 2::A
#ALE#
.1121/:3 3:/;:/.: 21+2:1+.22
4<@KIN?
-A0ITAL A>2A;1>/ A>A2/381 >2::238;
#ALE#I4'- :'.2 :'3: :'28
2:11 2:1: 2::A
-$@@ENT A##ET#
33;;;:A.A 31AA8>.>2 2A228.>./
-$@@ENT
LIABILITIE# 23A.;3;8. 221:.3121 21:282.;>
-AF-L A>2A;1>/ A>A2/381 >2::238;
ALLIED BANK LIMITED
due' 2igher and apprpriate &r(ing capital is used t !ace and get %er the
cntingencies and uncertainties'
As+ the &r(ing capital is increasing it is a gd !r ban('
Page .A

EBERA+E
RATIOS:
ALLIED BANK LIMITED
Time intere#t e/rned R/tio:
MEBITITot/. Intere#t e;4en#e
Ru4ee in N%%%

Page /:
2:11 2:1: 2::A
EBIT 1:+/38+12: 8+12:+A.: /+A/8+:2A
Ttal interest E*pense
22+.21+8A. 1;+2;2+;2. 1:+:>8+.2:
:'.; :'3/ :'/A
ALLIED BANK LIMITED
)EBT RATIO:
MTot/. )ebtItot/. /##et#
'
*RO*RIETORY OR EAUITY RATIO:
M#2A@E 2<LDE@ ,$ND I T<TAL A##ET
Page /1
2:11 2:1: 2::A
Ttal Debt 3>>+.1.+3/3 3..+3.:+:// 2AA+;28+3A3
Ttal Assets .1>+3;.+331 388+8A/+88A 31A+8:8+//.
:'A3 :'A. :'A3
ALLIED BANK LIMITED
Ru4ee in N%%%H
)EBT TO EAUITY RATIO:
MTot/. )ebt to EFuit1 R/tio:
Ru4ee in N%%%H
)EBT TO TAN+IBE NET 8ORTH RATIO:
M)EBTITAN+IBE NET 8ORTH
8-ere7 TAN+IBE NET 8ORTHM Tot/. /##et#'.i/bi.itie#'int/ngib.e /##et#9
Page /2
2:11 2:1: 2::A
SHARE HO)ER
FUN)
2A+A/A+A;> 22+3//+81. 1A+>>:+181
T9ASSET .1>+3;.+331 388+8A/+88A 31A+8:8+//.
SHARE HO)ER
FUN) I T9ASSET
:':;2 r ;'2N :':81 r 8':AN :':83 r 8'3N
2:11 2:1: 2::A
Tot/. )ebt 3>>+.1.+3/3 3..+3.:+:// 3::+231+.>1
EFuit1
2/+>A1+2;> 2:+>:/+11; 1>+.:>+3A1
Tot/. )ebtI Tot/.
EFuit1 1/ 18'8 18'3
ALLIED BANK LIMITED
TOTA ,A*ITAIZATION RATIO:
MON+ TERM )EBTI (ON+ TERM )EBTJSHARE HO)ERS EAUITY)
FIEE) ASSET I EAUITY RATIO:
Page /3
$%&& $%&% $%%C
Tot/. )ebt 3>>+.1.+3/3 3..+3.:+:// 3::+231+.>1

TAN+IBE NET
8ORTH
2A+>:.+.3; 22+2.>+;:> 1A+>.:+23.
Ttal DebtI
T'N'4<@T2 13 1/'. 1/'1
$%&& $%&% $%%C
L<N? TE@M DEBT 1.>+A.:+/>A 123+2A8+A3. 11A+128+113

L<N? TE@M
DEBTL#2A@E
2<LDE@# EJ$ITG
11.>+A.:+/>AL
2/+>A1+2;>3
O1;.+>31+>8;
1123+2A8+A3.L
2:+>:/+11;3
O1..+1:2+:/1
111A+128+113L
1>+.:>+3A13
O13;+/3.+/:.
:'>/ :'>8 :'>;
ALLIED BANK LIMITED
ON+ TERM ASSETS BERSUS ON+ TERM )EBT
OON+ TERM ASSETSION+ TERM )EBT
Page /.
$%&& $%&% $%%C
Fi;ed A##et 12+..8+;.> 11+13.+.38 ;+/.>+82>

EFuit1 2A+A/A+A;> 22+3//+81. 1A+>;>+81/
,i*ed assets ratiIequit"
rati :'.2 '/ :'3>
$%&& $%&% $%%C
ON+ TERM
ASSETS
12.+3/8+3>1 A/+//.+A3: >A+3..+/>.

ON+ TERM )EBT 1.>+A.:+/>A 123+2A8+A3. 11A+128+113
L'TA##ET#IL'T'DEBT
:'>3 :';; :';/
ALLIED BANK LIMITED
NET *ROFIT MAR+IN:
MNET *ROFIT INETSAESO&%%
Page //
*ROFITIBIITY
RATIOS:
ALLIED BANK LIMITED
Ru4ee in N%%%
RETURN ON ASSET R/tio:
MNET IN,OME I TOTA ASSET O &%%
Page /8
2:11 2:1: 2::A
NET *ROFIT ;+122+18; .+1/8+8>8 .+:;>+:;;
NETSAES .1+121+/:3 3:+/;:+/.: 21+2:1+.22
NET *ROFIT
INETSAESO&%%
1;'32 N 13'8: N 1A'3N
ALLIED BANK LIMITED
Ru4ee in N%%%H
Page /;
2:11 2:1: 2::A
NET IN-<ME ;+122+18; .+1/8+8>8 .+:;8+1/>
T'A##ET .1>+3;.+331 388+8A/+88A 32:+1:A+;23
NET IN,OME I
TOTA ASSET O &%%
1';: N 1'1. N 1'2;N
ALLIED BANK LIMITED
)U *ONT RETURN ON ASSESTS:
MNET *ROFTI MAR+INOTOTA ASSETS TURN OBER
Page />
2:11 2:1: 2::A
NET *ROFTI
MAR+IN
1;'32 N 13'8: N 1A'3 N
TOTA ASSETS
TURN OBER
:'1: :':A :':;
1;3'2 1/1'12 2;/';1
ALLIED BANK LIMITED
O*RATIN+ IN,OME MAR+IN R/tio:
MO*ERTATIN+ IN,OME I NET SAES
Ru4ee in N%%%H

RETURN ON O*ERATIN+ ASSETS:
MSAES I O*ERATIN+ ASSET
Ru4ee in N%%%H
Page /A
2:11 2:1: 2::A
O*ERTATIN+
IN,OME
1:+/38+12: 8+12:+A.: /+A/8+:2A
NET SAES
.1+121+/:3 3:+/;:+/.: 21+2:1+.22
O*ERTATIN+
IN,OME I NET
SAES
:'28 r 28 N :'2: r 2:N :'2> r 2>N
ALLIED BANK LIMITED
SAES TO FIEE) ASSETS RATIO:
MTOTA SAESIFIEE) ASSETS
Ru4ee in N%%%H
Page 8:
2:11 2:1: 2::A
SAES
.1+121+/:3 3:+/;:+/.: 21+2:1+.22
O*ERATIN+ ASSET 12+..8+;.> 11+13.+.38 ;+/.>+82>
SAES I O*ERATIN+
ASSET 3'3 2'> 2'>
ALLIED BANK LIMITED
RETURN ON INBESTMENT ROI:
MNET *ROFIT I TOTA INBESTMENT
Ru4ee in N%%%H

Page 81
2:11 2:1: 2::A
NET SAES .1+121+/:3 3:+/;:+/.: 21+2:1+.22
Fi;ed /##et#
12+..8+;.> 11+13.+.38 ;+/.>+82>
TOTA
SAESIFIEE)
ASSETS
3'3: 2';/ 2'>:
2:11 2:1: 2::A
NET *ROFIT ;+122+18; .+1/8+8>8 .+:;8+1/>
TOTA
INBESTMENT
A.+;>A+.A2 >2+8.8+/A/ >3+A/>+.83
NET *ROFIT I
TOTA
INBESTMENT
:':;/ :':/ :':/
ALLIED BANK LIMITED
RETURN ON TOTA EAUITY (ROE):
MNET *ROFITITOTA EAUITYO&%%
<N A=E@A?E@ BA#E#OPNET *ROFITI(O*ENIN+J,OSIN+ EAUITY)I$O&%%
Ru4ee in N%%%H
Page 82
2:11 2:1: 2::A
NET IN-<ME ;+122+18; .+1/8+8>8 .+:;8+1/>
T'EJ$ITG 2/+>A1+2;> 2:+>:/+11; 1>+.:>+3A1
NET IN,OME I
TOTA EAUITY O
&%%
2;'/N n
a%erage basis
3:'/:N
2:N
<n a%erage
basis
22'1N
<n a%erage
basis 23'/.N
ALLIED BANK LIMITED
RETURN ON EAUITY ,A*ITA:
MNET *ROFITITOTA EAUITY -A0ITAL O&%%
<N A=E@A?E@ BA#E#OPNET *ROFITI(O*ENIN+J,OSIN+ EAUITY
-A0ITAL3I$O&%%
Ru4ee in N%%%H
Page 83
2:11 2:1: 2::A
NET IN-<ME ;+122+18; .+1/8+8>8 .+:;8+1/>
T'EJ$ITG -A0ITAL 2A+A/A+A;> 22+3/3/+81. 1A+>;>+2.2
NET IN,OME I
TOTA EAUITY O
&%%
23'>N 1>'8N 2:'/:N
ALLIED BANK LIMITED

+ROSS *ROFIT MAR+IN RATIO C
O?rss 0r!itInet salesQ1::
@s in B:::K
Page 8.
2:11 2:1: 2::A
?@<## IN-<ME 1>+8AA+>:A 13+2A;+>18 11+1:>+.12
T'A##ET .1>+3;.+331 388+8A/+88A 32:+1:A+;23
+ROSS IN,OME I
TOTA ASSET O &%%
.'/N 3'8N 3'.NN

MARKETIN+
RATIOS:
ALLIED BANK LIMITED
EARNIN+ *ER SHARE (E*S):
ONET 0@<,IT IN<' <, #2A@E
@$0EE IN R:::E
Page 8/
ALLIED BANK LIMITED
)IBI)EN) YIE):
Page 88
2:11 2:1: 2::A
NET *ROFIT ;+122+18; .+1/8+8>8
3+122+1./
NO9 OF SHARE
;+11:+::> 8+.83+8..
/+3.8+/22
NET *ROFIT INO9 OF
SHARE 1:':2 8'.3 /'>
ALLIED BANK LIMITED
M)IBI)EN) *ER SHARE I MARKET *RI,E *ER SHARE O&%%
Ru4ee in N%%%H
Page 8;
2:11 2:1: 2::A
)IBI)EN) *ER
SHARE . 2'/: 3
MARKET *RI,E
*ER SHARE />'; 31'1 13:'2
)IB9*ER SHARE I
MARKET *RI,E
*ER SHARE O&%%
8'> N > N 2'3 N
ALLIED BANK LIMITED
BOOK BAUE *ER SHARE:
MSHARE HO)ERS EAUITY INO9 OF SHARES
Ru4ee in N%%%H
Page 8>
2:11 2:1: 2::A
SHARE HO)ERS
EAUITY 2A+A/A+A;> 22+3//+81. 1A+>>:+181
NO9 OF SHARES ;+11:+::> 8+.83+8.. /+3>8+3;:
SHARE HO)ERS
EAUITY INO9 OF
SHARES
.2'1 3.'8 38'A
ALLIED BANK LIMITED
Page 8A
ALLIED BANK LIMITED
TOTA ASSET TURNOBER:
MSAES I TOTA ASSET
Ru4ee in N%%%H
Page ;:

A,TIBITY
RATIOS:
ALLIED BANK LIMITED
A)BAN,ES TO )E*OSIT RATIO:
MA)BAN,ES I )E*OSIT (NET) O&%%
R#9 In N%%%H
Page ;1
2:11 2:1: 2::A
SAES
.1+121+/:3 3:+/;:+/.: 21+2:1+.22
T9ASSET .1>+3;.+331 388+8A/+88A 31A+8:8+//.
SAES I T9ASSET '1: :':A :':;
2:11 2:1: 2::A
A)BAN,ES
23;+3..+:3> 212+A;2+::> 18>+.:;+2>:
)E*OSIT
32>+>;/+:3; 2A;+.;/+321 283+.8A+/A.
A)BAN,ES I NET
)E*OSIT O&%%
;2 N ;2 N 8.N
ALLIED BANK LIMITED
Berti5/. An/.1#i#:
In %ertical Anal"sis each item in a !inancial #tatement is the Nage ! ttal' This
apprach is als called ,om4onent 4er5ent/ge7 *rodu5t ,ommon '#i:e
2in/n5i/. #t/tement9 =ertical anal"sis helps in scrutini5ing the actual increase r
decreases in %arius items &ith regard t a speci!ic ttal'
Formu./:
The !rmula !r =ertical Anal"sis isC
Indi%idual item ! !inancial statementIttal Q1::
Hori:ont/. An/.1#i#:
2ri5ntal Anal"sis Als -alled Trend An/.1#i#+ The hri5ntal anal"sis ! an"
rgani5atin sh&s the general trend ! di!!erent items placed in the !inancial statements'
,r the purpse ! 2ri5ntal anal"sis ! !inancial statement use Base Gear Methd' It
means that !r the purpse ! cmparisn "ear here the base is 2::A !r hri5ntal
Anal"sis ! "ears 2:1: and 2:11'
Formu./:'
The !rmula+ &hich is used in cmputing the percentages ! %arius items n the basis !
the !igures ! "ear 2::A+ is gi%en bel&C
M ,urrent 1e/r ; &%%
B/#e 1e/r
Berti5/. /n/.1#i# o2 b/./n5e #-eet:
A##ET# @$0EE IN RMillinK
Page ;2
ALLIED BANK LIMITED
2:11 2:1: 2::A
@s' Nage @s' Nage @s' Nage
-ash and balances
&ith treasur" and
ther ban(s
28+.3/ 8'8 N 23+8/3 ; 2A+;3A A'/
Lending t !inancial
institutins
2>+122 8'; N 1/+;A3 .'3 1>+.1A /'>
In%estments A.+;>A 22'; N >2+8.; 22'. >3+A/>. 28'2
Ad%ances F net 23;+3.. /8';/ N 212+A;2 />'1 18>+.:; /2'8
<perating ,i*ed
assets
12+..; 3 N 11+13. 3 ;+/.A 2'.
<ther assets 1;+A// .'3 N 1;+38A / 1:+;:/ 3'/
Ttal assets .1>+3;. 1:: N 388+8A8 1::N 32:+11: 1::/
LIABILITIE# AND EJ$ATIE#C
Hori:ont/. /n/.1#i# o2 B/./n5e #-eet:
ASSETS @$0EE IN RMillinE
$%&& $%&% $%%C
@s' Nage @s' Nage @s' Nage
-ash and balances
&ith treasur" and
28+.3/ A:N 23+8/3 ;A'/N 2A+;3A 1::N
Page ;3
-ustmer depsits 32>+>;/ ;>'8N 2A;+.;/ >1'1N 283+A;2 >2'3N
Inter ban( brr&ings 3A+>1A A'/ 2;+;;> ;'8 22+A3. ;'2
Bills pa"able 3+182 :'> 2+A/2 :'> 3+.A. 1'1
<ther liabilities 11+:81 2'8 13+838 3'; ;+332 2'3
#ubFrdinated lans
/+.A; 1'3 2+.A> :'; 2+.AA :'>
Tot/. i/bi.itie# $PP7(&( C$9PQ !((7!(% C!9CQ !%%7$!& C!9"Q
Tot/. EFuit1 $C7C>% "9$ >9& >9!
Tot/. .i/bi.itie# J
Tot/. EFuitie#
(&P7!"( &%%Q !>>7>C> &%%Q !$%7&&% &%%Q
ALLIED BANK LIMITED
ther ban(s
Lending t !inancial
institutins
2>+123 1/2'; 1/+;A3 >/'; 1>+.1A 1::
In%estments A.+;>A 112'A >2+8.; A>'. >3+A/> 1::
Ad%ances F
net
23;+3.. 1.:'A 212+A;2 128'/ 18>+.:; 1::
<perating
,i*ed assets
12+..; 18.'A 11+13..38 1.;'/ ;+/.> 1::
<ther assets 1;+A// 18;'; 1;+38A 182'3 1:+;:/ 1::
Tot/. /##et# (&P7!"( &!%9>Q !>>7>C> &&(9<Q !$%7&&% &%%Q
Berti5/. /n/.1#i# o2 *ro2it /nd o## /I5:

R#9 In Mi..ion#
Intere#tIReturnI Non Intere#t In5ome E/rned:
R#9
$%&&
Q
$%&&
R#9
$%&%
Q
$%&%
R#9
$%%C
Q
$%%C
Mar(F
upI@eturnIInterest
earned
.1+122 >;'.N 3:+/;1 >8'2N 21+2:1 >.'.N
Page ;.
-ustmer depsits 32>+>;/ 12.N 2A;+.;/ 112N 283+A;2 1::N
Inter ban( brr&ings 3A+>1A 1;3'8 2;+;;> 121'1 22+A33 1::
Bills pa"able 3+182 A:'/ 2+A/2 >.'/ 3+.A. 1::
<ther liabilities 11+:/A 1/:'> 13+838 1>8'3 ;+332 1::
#ubFrdinated lans
/+.A; 22:': 2+.A> 1::': 2+.AA 1::
Tot/. i/bi.itie# !PP7(&( &$C9(Q !((7!(% &&(9"Q !%%7$!& &%%Q
#hare capital ;+11: 132'N 8+.83 1'>N /+3>8 1::N
@eser%es 8+/>2 1:> /+>:. A/'A 8+:/: 1::
$nFapprpriated
pr!it
12+1A> 1;/ >+/38 122'/ 8+A;1 1::
#urplus n
re%aluatin ! assets
.+:8> 2;8'A 1+//: 1:/'/ 1+.8A 1::
Tot/. EFuit1 $C7C<C &<%9"Q $$7!<> &&$9<Q &C7P"P &%%Q
Tot/. .i/bi.itie# J
Tot/. EFuitie#
(&P7!"( &!%9>Q !>>7>C> &&(9<Q !$%7&&% &%%Q
ALLIED BANK LIMITED
,ee+ cmmissin
and br(erage
incme
3+.;: ;'.N 3+288 A'2N 2+2/> A':N
-apital gain and
Di%idend incme
2+./2 /'2N 1+/;1 .'.N 1+/>/ 8'3N
<ther incme 38 :':>N /A ':'1;N ;; :'3N
Tot/. ("7%P% &%%Q !<7(>" &%%Q $<7&$& &%%Q
Intere#tI returnInon intere#t e;4en#e:
RS9
$%&&
Q
$%&&
R#9
$%&%
Q
$%&%
RS9
$%%C
Q
$%%C
Mar(F
upI@eturnIInterest
E*pense
22+.22 .;'>N 1;+2;3 .>'AN 1:+:A3 .:'2N
<perating
e*pense
A+8:A 2:'.N >+.31 23'AN 8+1;. 2.'8N
0r%isins .+.18 A'.N 3+/81 1:N 2+>;. 11'/N
Ta*atin 3+.1. ;'2N 1+A8A '/'/N 1+>;; ;'/N
Tot/. E;4en#e'
Qo2 tot/.
in5ome
!C7P>& P(9PQ !&7$!( PP9!Q $&7%&P P!9!Q
*ro2itIo# /2ter
t/;/tion
;+122 1/'2N .+1/; 11'>N .+:;8 18'2N
Tot/. (>7CP! &%%Q !<7!C& &%%Q $<7%C( &%%Q
Page ;/
ALLIED BANK LIMITED
Hori:ont/. An/.1#i# o2 *ro2it /nd o## /55ount:
R#9 In Mi..ion#
Intere#tI ReturnINon In5ome Intere#t E/rned:
Intere#t IReturnI Non Intere#t E;4en#e:
R#
$%&&
Q
$%&&
R#
$%&%
Q
$%&%
R#
$%&&
Q
$%&&
Mar(F
upI@eturnIInterest
E*pense
22+.22 222'1N 1;+2;3 1;1'1N 1:+:A3 1::N
<perating
e*pense
A+8:A 1//';N >+.31 138'8N 8+1;. 1::N
0r%isins .+.18 1/3';N 3+/81 123'8N 2+>;. 1::N
Ta*atin 3+.1. 1>2N 1+A8A '1:.'AN 1+>;; 1::N
Tot/. E;4en#e'
Qo2 tot/.
in5ome
!C7P>& &PC9>Q !&7$!( &(P9>Q $&7%&P &%%Q
*ro2itIo# /2ter
t/;/tion
;+122 1;.';N .+1/; 1:2N .+:;8 1::N
Tot/. (>7CP! &P"9$Q !<7!C& &(&Q $<7%C( &%%Q
Page ;8
R#9
$%&&
Q
$%&&
R#9
$%&%
Q
$%&%
R#9
$%%C
Q
$%%C
Mar(F
upI@eturnIInterest
earned
.1+122 1A.'.N 3:+/;1 1..'2N 21+2:1 1::N
,ee+ cmmissin
and br(erage
incme
3+.;: 1/3';N 3+288 1..'8N 2+2/> 1::N
-apital gain and
Di%idend incme
2+./2 1/.';N 1+/;1 AA'2N 1+/>/ 1::N
<ther incme 38 .8'>N /A ;8';N ;; 1::N
Tot/. ("7%P% &P"9(Q !<7(>" &(&9$Q $<7&$& &%%Q
ALLIED BANK LIMITED
Future Out oo6:
T increase itEs pr!it+ E*pansin in %lume+ increase in number ! share hlders is the
!uture planning ! the ABL' ABL can get this b" a enhance itEs e!!rt' ItEs histr" is %er"
&ell'
The glbal !inancial crisis has its e!!ects tric(ling d&n t the ban(ing s"stem' The
!inancial sectr is !acing its l&s but still n its cmparati%e basis its better than ther
neighbring cuntries &ing t regulatins and rle ! #B0 t ta(e timel" crrecti%e
measures' Measures include rela*atin ! -@@ and #L@ in phases'
The ban(ing sectrEs spread cntinues its rising trends a!ter &itnessing' 0r!its sh&s
that lng term in%estment in 0a(istani ban(ing s"stem &ill be lucrati%e+ as the asset
qualit" is quite satis!actr"'
-hallenges !aced b" the ecnm" in general and ban(ing sectr in particular+ include
restrained liquidit"+ sl&d&n ! ecnmic acti%ities and high in!latin' Despite ! these
issues+ ABL has been able t maintain its pr!itabilit" and equipped t !ace challenges
&ith its d"namic management and trained &r(!rce'
Page ;;
ALLIED BANK LIMITED
Page ;>
-2A0TE@F 8
#4<T ANALG#I#SS'

++''ANNETE#
ALLIED BANK LIMITED
S3ot /n/.1#i#:
S8OT An/.1#i# is the abbre%iatin !
S: #trength
8C 4ea(ness
O: <pprtunit"
TC Threats
And #trength and &ea(ness represent the internal en%irnment ! the rgani5atin
And &ea(ness and <pprtunit" represent the e*ternal en%irnment ! the rgani5atin
2ence+ S8OT anal"sis is the critical and cmplete but cmprehensi%e stud" ! the
rgani5atin'
Strengt- o2 t-e AIE) B/n6 iIMITE) /nd )ub/i ,-o36 Br/n5-:
The ,irst Muslim ban( and that is established !irst time in the sil the ! 0a(istan
is nt the ther ban(+ it is the Allied Ban( Limited' And hence it has earned a
great reputatin'
Allied Ban( has a 3e..'engineered #tru5ture and a time.1 e;e5ution and hence
ha%ing a success!ul transactin'
ABL !inanciall" a strng ban( and ha%ing a tested and e!!ecti%e strateg" thatEs
&h" the ABL nt e!!ected b" the !inancial crisis and bad cnditin ! ecnm"+
and cntinuus t&ard gr&th and getting cmpetiti%e gr&th'
#lid !undatin as b" 0A@-A lngFterm term rating ! KAA@ and shrt term
rating ! BA1J@9
It has a %er" large impressi%e net&r( ! branches i'e' ""C in o0er !%% cities and
t&ns'
It has lcal branched as &ell as internatinal branches'
2a%ing the strength ! mre than /:2 ATMs in mre than 1./ cities and t&ns'
Brand name is the greatest strength ! this ban('
#alaries are %er" reasnable+ s the empl"ees are nt !inanciall" !ear!ul'
T-e )ub/i ,-o36 AB br/n5- i# #itu/ted in t-e ,ommer5i/. Are/ 3-i5-
en-/n5e# t-e #trengt- o2 t-i# br/n5- /nd -en5e t-i# br/n5- in5re/#e# /nd
/ttr/5t# t-e number o2 5u#tomer# /nd e;4end# it# 0o.ume9
The branch has $ te.e4-one 5onne5tion /nd one 2/; m/5-ine this increases
cnnecti%it" &hich ma(es cmmunicatin easier &ith di!!erent branches'
The branch is lin(ed thrugh an <nline Net&r( ! Branches+ it enables them t
ser%e custmer in better &a"
ABL has the large net&r( ! ATM and the" e*pend their branches'
8e/6ne## o2 t-e AIE) B/n6 iIMITE) /nd )ub/i ,-o36 Br/n5-
Page ;A
ALLIED BANK LIMITED
It is bser%ed that empl"ees ha%e mstl" sluggish and hard attitude t&ards the
custmers'
There is a high part ! !a%ritism+ and mstl" empl"ees are hiring n the basis
! neptism and re!erences'
ATM and nline !acilit" is "et pr%ided b" branch but itEs !unctining is nt %er"
apprpriate' <!ten the ATM machine and nline s"stem is nt &r(ing and hence
man" a times the custmers get disappinted b" the ser%ices ! the branch and
the" g anther ban( !r trans!erring the nline transactins
ABL has nt "et pr%iding the 5/r 2in/n5ing /nd -ou#e 2in/n5ing+ &hich is a
%er" large &ea(ness'
Instead ! presence ! technlg" man" )bs are dne manuall"+ &hich can be
dne easil" b" using the cmputeri5ed s"stem'
There is lac( ! e!!icient and prper @esearch de%elpment acti%ities &hich is
%er" essential !r cllecting the essential data &hich is used !r !uture planning
and strateg"'
#uch asD
Macr En%irnmental data
Micr en%irnmental data
The rgani5atinal members are nt !ull" cperati%e'
There is a lac( ! cmmitment and pr!essinalism n part ! the empl"ees' The
sta!! usuall" tries t a%id d !ull &r(ing and tr"ing t d mdest &r( 1escape
!rm additinal &r(3 and the" usuall" dela" their &r('
Dela"s &ere bser%ed because the prescribed prcedures are nt !ll&ed'
The !iling s"stem is nt upFtFdate' Much time is &asted &hile searching !r
e%en a &ee( ld data and dcuments'
There is less emphasi5ed n the lng term relatin &ith custmers thse ha%e l&
depsited 1less prtcl3
Branch has less !urniture than requirement+ and less sitting arrangements'
The )b distributin is nt prper'
O44ortunit1:
ABL is nt "et gi%ing the !acilities ! car !inancing and huse !inancing t their
custmers' It is a big pprtunit" !r ABL t e*pending itEs business at a mre
large scale b" starting the business ! car and huse !inancing'
Dubai -h&( Branch has the de!icienc" ! hnest and hard &r( empl"ees
Dubai -h&( Branch can increases itEs prgress b" a%ailing the mre technical+
pr!essinal and hard &r( empl"ees'
ABL ban( is gi%ing the !acilit" ! cllectin ! utilit" bills'
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ALLIED BANK LIMITED
ATM and nline !acilit" is "et pr%ided b" branch but itEs !unctining is nt %er"
apprpriate' <!ten the ATM machine and nline s"stem is nt &r(ing and hence
man" a times the custmers get disappinted b" the ser%ices ! the branch and
the" g anther ban( !r trans!erring !und b" nline transactins etc' I! the"
%ercme these &ea(nesses then the" ha%e and pprtunit" t attract and retain
the large custmers' As+ there are cming large numbers ! custmers dail" !r
ATM and nline transactin'
The branch is lcated in a cmmercial area hence itEs lcatin is the big
pprtunit" !r the ban( t attracting the custmers at a large scale'
The branch has the pprtunit" t a%ailing the ne& schemes such as 2A99
#E@=I-E#+ 2$NDI and 4E#TE@N $NI<N etc'
The ban( has the !acilit" ! internet it is a big pprtunit" the ban( can e*pand it
sel! b" increasing itEs use in mre apprpriate &a"' The ban( has a large net&r(
all %er the &rld it can c%er the ma)r mar(et ! the 0a(istan i! it &ill ma(e it
pssible t !ast deli%er" ! !unds'
THREATS:
The allied ban( is ne ! the strng and leading ban(s s+ it has man"
cmpetitrs' Man" ther ban(s are lcated near Dubai -h&( Branch and that is
a big threat !r this branch ! ABL+
0a(istan is !acing a %er" critical situatin it is su!!ering !rm cntinuus d&n!all
! the ecnm" since last !e& "ears it is the biggest threat !r all ban(s' I! this
situatin &ill nt be stpped than it is a big threat !r 0a(istanEs ban(s !r
achie%ing the ban(Es b)ecti%es'
Dissatis!ied custmers is the ne ! the biggest threat t the Dubai -h&(
Branch+ As discussed ab%e 1in pprtunities3 ATM and nline ser%ices is "et
pr%ided b" branch but itEs !unctining is nt %er" apprpriate' <!ten the ATM
machine and nline s"stem is nt &r(ing and ATM machine sme times is nt
!illed b" the !unds !rm the main branch ! ABL+ and hence man" a times the
custmers get disappinted b" the ser%ices ! the branch and the" g anther
ban( !r getting the nline transactins' I! this dra& bac( &ill nt be srt ut
earl"+ the custmers &ill terminate t&ards ther ban( such as t&ards its
neighbr ban( 2BL'
Man" pri%ate ban(s are pr%iding the better cmpetiti%e ser%ices than ABL that
is the %er" sensiti%e threat !r ABL'
ABL as cmpare t ther tp ban(s is "et nt pr%iding man" ser%ices such as
car !inancing+ huse !inancing ser%ices and man" ther ne& ser%ices' 2ence it
can lse itEs reputatin
,on5.u#ion:
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ALLIED BANK LIMITED
Althugh the cuntr" is su!!ering !rm the !inancial crises+ sl& ecnmic gr&th+ and
lac( ! plitical stabilit"+ h&e%er+ still the ABL cntinues t !ul!ill its cmmitment b"
cntributing in a structured manner+ b" !cusing n Agriculture sectr and #ME+
strengthening cperate and cmmercial relatinships+ prduct inn%atin+ creati%it" +
technlgical ad%ancement+ and cntinuus !cus n ser%ice qualit"' Due t its strng
!undatin and &ellFbuilt strateg"' -ustmer is the !cus ! e%er" thing !r ABL and
ABL is &r(ing tirelessl" t enhance relatinship &ith custmers b" understanding
them and then !!ering rele%ant prducts and ser%ices all the times and ABL tirelessl"
cntinues t &r(ing %er" hard t strengthen the relatinship &ith custmers and number
! initiati%es has been ta(en b" ABL t strengthen its %erall !unctin'
During three "ears anal"sis ! ABL such as !rm 2::A t 2:11+ I bser%ed that ABL has
impressi%e pr!it gr&th as !rm 2::A t 2:11 its pr!it a!ter ta* rse b" @s' .+:;8
millin t @s' ;+122 millin' And it resulted in increase in increase in @<A and @<E b"
1'.2N t 1'>1N+ and @<E b" 23'/./ t 3:'/:N b" a%erage'
Thus I ha%e cncluded that the ABL is a !inanciall" strng ban( and ha%ing the lng
term rating ! BAAK and shrt term rating ! BA1L b" pacra'and ser%ing and
cntinuusl" attracting the large number ! custmers b" !!ering them the inn%ati%e+
reliable and better cmpetiti%e prducts and ser%ices and capture a great part ! the
mar(et in the cuntr" b" ha%ing a large number ! depsitrs and custmer'
Re5ommend/tion#:
During m" internship training ! 8 &ee(s in ABL Dubai -h&( Branch+ I ha%e anal"5ed
sme prblem in the Ban(' Keeping in %ie& thse prblems !ll&ings are m"
recmmendatinsC
,-/nge in Be-/0ior o2 em4.o1ee#:
The custmers are the %er" imprtant and essential part ! the business the" are the real
strength ! the business and ha%ing the &rth ! bac( bne !r the business s+ the"
shuld be beha%ed+ bene%lence+ and ser%ed in a better &a"' #+ I &ill recmmend !r
the ABL that the" shuld be stpped the carelessness and the sluggish beha%ir t&ards
the custmers and the" shuld reali5e that 5u#tomer i# t-e 2o5u# o2 e0er1 t-ing9
E.imin/tion o2 2/0oriti#m:
There is a great part ! !a%ritism it shuld be eliminated immediatel" and enhance the
per!rmance b" bene%lent the pprtunities t the !resh+ &ell educated and able peple'
Sitting Arr/ngement:
There is n prper sitting arrangementD the branch shuld be !cus n prper sitting
arrangement and shuld !urnish the branch hence the branch &ill be able t manage
custmers in a &ell manner'
Gob Tr/ining *rogr/m#
The ban( shuld place emphasis t held an arrange the e22e5ti0e tr/ining /nd
de0e.o4ment 4rogr/m# !r its ne& as &ell as e*isting empl"ees this &ill de!initel"
increase their per!rmance and e!!icienc" le%el
EFu/.i:e t-e .o/d o2 3or6:
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ALLIED BANK LIMITED
I ha%e !und the inequalit" ! &r( di%isin in the Branch I &ill recmmend that all the
departments shuld be gi%en the equal lad ! &r(D it &ill result in high per!rmance
and create high utcme and it als create a !riendl" en%irnment in the ban('
Te/m b/#ed M/n/gement:
The higher authrities shuld !rm the team based management rather than centrali5ed
management it &ill enhance the management s(ills and decisin ma(ing p&er ! the
empl"ees and ele%ating the mrale ! the empl"ee and this &uld als be a !actr !
mti%atin !r all empl"ees and the" &ill be in%l%ed in all ban(ing peratins and
%erall e!!ecti%eness ! the ban( &ill be bst'
E;4/n#ion in bu#ine##:
The ABL shuld strngl" !cus n pr%iding ne& ser%ices t meet its custmerEs
e*pectatin and !r e*pansin !inancing+ etc'' e'g' the ABL shuld !cus n the business
! persnal laning such as 2use !inancing+ car
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ALLIED BANK LIMITED
ANNEEURE
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