PRESENTED TO:PRESENTED TO:

RIAZ AHMAD MIANRIAZ AHMAD MIAN PRESENTED BY:PRESENTED BY:

MUSARRAT FATIMA MUSARRAT FATIMA Mi08MBA021 Mi08MBA021SWAIRA GUL SWAIRA GUL Mi08MBA026 Mi08MBA026

MEHWISH ASHRAF MEHWISH ASHRAF Mi08MBA059 Mi08MBA059

HAILEY COLLEGE OF BANKING & HAILEY COLLEGE OF BANKING & FINANCE UNIVERSITY OF PUNJAB FINANCE UNIVERSITY OF PUNJAB

LAHORELAHORE

HISTORY OF BANKINGHISTORY OF BANKINGThe history of banking is traced to 2000 B.C in Greece.

FOUR STAGES OF EVOLUTION:-

Priest and Goldsmiths acted as financial agents by keeping money and valuables of people in temples in strong safesThe second stage in the development of banking was the issuance of bank notes.They began to give interest on the money deposited with them. This was the third stage in the development of banking .Banks allowed the overdraft facility to their deposits and this was the fourth stage in the development of banking.

HISTORY OF ALLIED BANKHISTORY OF ALLIED BANKAllied Bank Limited was the first bank to be

established in Pakistan by the name Of

Australasia Bank before independence in

1942 with a paid-up share capital of Rs.

0.12 million.

Today Allied Bank’s paid-up capital &

reserves amount to Rs. 10.5 billion.

ABL was renamed as Allied Bank of Pakistan

Limited in 1974 and then Allied Bank

Limited in 2005

The Pre Independence Journey The Pre Independence Journey (1942 to 1947)(1942 to 1947)

In the early 1940s, the Muslim community was beginning to realize the need for its active participation in the fields of trade and industry .

It was particularly upsetting for Khawaja Bashir Bux to hear that “Muslims could not be successful bankers”.

A view of Khawaja Bashir Bux'sResidenceThe first branch of Australasia Bank

Allied Bank (1991 to 2004Allied Bank (1991 to 2004 In 1993 the “First Allied Bank Modaraba” (FABM) was floated. 2005 to DateIn May 2005, Ibrahim Leasing Limited dissolved and the company was vested into Allied Bank Limited. ALL the shareholders were issued ABL shares instead of the all shares held by them. An application for the listing of ABL shares in all the Stock Exchange Companies of Pakistan was made; ABL was formally listed and the Bank’s share trading began on the following dates:

Islamabad Stock Exchange 8th August2005 Lahore Stock Exchange 10th August 2005Karachi Stock Exchange 17th August 2005

SLOGAN OF ABLSLOGAN OF ABL

Crafting value,Crafting value,

enhancing creativity………enhancing creativity………

VISIONVISION

“To become a dynamic and“To become a dynamic andefficient bank providingefficient bank providing

integrated solutions in orderintegrated solutions in orderto become theto become the first choicefirst choice

of bank for all customers.”of bank for all customers.”

MISSIONMISSIONTo provide value-added services to our To provide value-added services to our

customers.customers.To provide high tech innovative solutions to meet To provide high tech innovative solutions to meet

customers’ requirements.customers’ requirements.To create sustainable value through growth, To create sustainable value through growth, efficiency and diversity for all stakeholders.efficiency and diversity for all stakeholders.

To provide a challenging work environment and To provide a challenging work environment and reward dedicated team members according to reward dedicated team members according to

their abilities and performance.their abilities and performance.To play a proactive role inTo play a proactive role in contributing towards contributing towards

the societythe society

CORE VALUES:

Integrity

Excellence in Service

High Performance

Innovation and Growth

CORPORATE INFORMATIONCORPORATE INFORMATIONCENTRAL OFFICECENTRAL OFFICEBath Island, Khayaban-e-Iqbal, Main Clifton Road, Bath Island, Khayaban-e-Iqbal, Main Clifton Road,

Karachi-75600Karachi-75600UAN: (92 21) 111-110-110UAN: (92 21) 111-110-110REGISTERED OFFICEREGISTERED OFFICE8-Kashmir/Egerton Road, Lahore8-Kashmir/Egerton Road, LahoreUAN: (92 42) 111-110-110UAN: (92 42) 111-110-110COMPANY SECRETARYCOMPANY SECRETARYWaheed-Ur-Rehman,FCAWaheed-Ur-Rehman,FCAAUDITORSAUDITORSM.Yousaf Adil Saleem & CoM.Yousaf Adil Saleem & Co..Chartered AccountantsChartered AccountantsKPMG Taseer Hadi & CoKPMG Taseer Hadi & Co..Chartered AccountantsChartered Accountants

BOARD OF DIRECTORSBOARD OF DIRECTORS

MANAGEMENT MANAGEMENT

   Asim TufailAsim Tufail

(Group Chief, Consumer & Personal Banking)(Group Chief, Consumer & Personal Banking)   Iqbal ZaidiIqbal Zaidi

(Group Chief, Compliance)(Group Chief, Compliance)   Mohammad Aftab ManzoorMohammad Aftab Manzoor

(Chief Executive Officer)(Chief Executive Officer)   Muhammad YaseenMuhammad Yaseen

(Group Chief, Treasury)(Group Chief, Treasury)   Shafique Ahmed UqailiShafique Ahmed Uqaili

(Group Chief, Human Resources)(Group Chief, Human Resources)   Tahir Hassan QureshiTahir Hassan Qureshi

(Chief Financial Officer)(Chief Financial Officer)   Waheed ur RehmanWaheed ur Rehman

(Company Secretary(Company Secretary))

Fareed VardagFareed Vardag (Chief Risk Officer) (Chief Risk Officer)

  Mohammad Abbas SheikhMohammad Abbas Sheikh(Group Chief, Special asset management)(Group Chief, Special asset management)

  Muhammad Jawaid IqbalMuhammad Jawaid Iqbal(Group Chief, Corporate & Investment Banking) (Group Chief, Corporate & Investment Banking) 

Mujahid AliMujahid Ali(Group Chief, Information Technology)(Group Chief, Information Technology)

  Khawaja Mohammad AlmasKhawaja Mohammad Almas(Head, Core Banking Projects)(Head, Core Banking Projects)

  Zia IjazZia Ijaz(Group Chief, Commercial & Retail Banking)(Group Chief, Commercial & Retail Banking)

  Tariq MehmoodTariq Mehmood(Group Chief, Operations)(Group Chief, Operations)

AUDIT AUDIT COMMITTEECOMMITTEE

Sheikh Mukhtar Sheikh Mukhtar AhmadAhmad

ChairmanChairman

Farrakh QayyumFarrakh Qayyum MemberMember

Mubashir A. AkhtarMubashir A. Akhtar MemberMember

Sheikh Jalees Sheikh Jalees AhmedAhmed

MemeberMemeber

WEBSITE & E-WEBSITE & E-MAIL:MAIL:

www.abl.comwww.abl.comE-mail: E-mail: info@abl.cominfo@abl.com

TOLL FREE TOLL FREE NUMBER:NUMBER:

0800-225220800-22522

BRANCH NETWORKBRANCH NETWORKCENTRAL I GROUPCENTRAL I GROUPRegionsRegions BranchesBranchesFaisalabad RegionFaisalabad Region 3535

SargodhaSargodha Region Region 3636

Gulberg Region, LahoreGulberg Region, Lahore 3838

Gujranwala RegionGujranwala Region 3434

City Region, LahoreCity Region, Lahore 3535

Sialkot RegionSialkot Region 2424

Gujrat RegionGujrat Region 2121

TotalTotal 223 223

CENTRAL II GROUPCENTRAL II GROUPRegionsRegions BranchesBranches

Jhang RegionJhang Region 1919

Multan RegionMultan Region 3131

Sahiwal RegionSahiwal Region 2525

Bahawalpur RegionBahawalpur Region 2222

Rahim Yar Khan RegionRahim Yar Khan Region 1212

TotalTotal 109109

NORTH GROUPNORTH GROUP

RegionsRegions Branches BranchesRawalpindiRawalpindi 4040

PeshawarPeshawar 4040

Mir PurMir Pur 3333

MardanMardan 3232

IslamabadIslamabad 3030

AbbottabadAbbottabad 2020

MuzaffarabadMuzaffarabad 1818

KohatKohat 1717

TotalTotal 236236

SOUTH GROUPSOUTH GROUP

RegionsRegions BranchesBranchesSadar, KarachiSadar, Karachi 3232

Mazimabad, KarachiMazimabad, Karachi 3232

City, KarachiCity, Karachi 3131

QuettaQuetta 3131

HyderabadHyderabad 2424

SukkurSukkur 2121

NawabshahNawabshah 1717

TotalTotal 198198

AWARDSAWARDS

Deal of the Year Award 2008 by ‘The Banker’-Deal of the Year Award 2008 by ‘The Banker’-UK UK

Corporate Finance House of the Year 2007 Corporate Finance House of the Year 2007 Corporate Report Award & CertificateCorporate Report Award & Certificate Tern Finance Certificate (TFC)-1st IssueTern Finance Certificate (TFC)-1st Issue Top 1000 Banks of the World-RankingTop 1000 Banks of the World-Ranking Credit RatingCredit Rating Corporate Governance RatingCorporate Governance Rating

RANK CATEGORIESRANK CATEGORIES RANKRANKPerformance BasedPerformance Based

Profit on Average Capital (RoE)Profit on Average Capital (RoE) 31st31st

Return on Assets (RoA)Return on Assets (RoA) 130th130th

Real Profit GrowthReal Profit Growth 206th206th

Soundness Based Soundness Based

Capital Assets RatioCapital Assets Ratio 517th517th

Sized BasedSized Based

AssetsAssets 846th846th

Overall World RankingOverall World Ranking 969th969th

CREDIT RATINGCREDIT RATING Long Term Long Term AAAA Short Term Short Term A1+A1+

CORPORATE GOVERNANCE CORPORATE GOVERNANCE RATINGRATING

CGR-8CGR-8

PRODUCTS OF ABLPRODUCTS OF ABL

ACCOUNTSACCOUNTS : :

1.1. CURRENT ACCOUNTCURRENT ACCOUNT::

Allied bank offers current account facility for individuals as well as for institutions Allied bank offers current account facility for individuals as well as for institutions and commercial customers .and commercial customers .

No return\ profits shall be payable on current accounts.No return\ profits shall be payable on current accounts.Free services for depositors maintaining minimum balance of Rs. 0.1 (M) in Free services for depositors maintaining minimum balance of Rs. 0.1 (M) in

previous month.previous month.

Free online transactionsFree online transactions

Free issuance of payment ordersFree issuance of payment orders

Free issuance of demand drafts Free issuance of demand drafts

Free issuance of deposit at call receipts Free issuance of deposit at call receipts

PLS SAVING DEPOSITSPLS SAVING DEPOSITS::

Allied bank offers PLS savings accounts facility to its customers with the following features

Attractive return up to 5.00% per annum

No Service charges on active account

Complementary ATM cards

Allied Basic BANKING ACCOUNTAllied Basic BANKING ACCOUNT

IN order to provide basic banking facilities to low income people in IN order to provide basic banking facilities to low income people in Pakistan, Allied bank has introduced “ Allied basic banking account Pakistan, Allied bank has introduced “ Allied basic banking account “(ABBA).“(ABBA).

This account can be opened with an initial deposits This account can be opened with an initial deposits of 1000/= of 1000/=.. The account is a non-remunerative account with no The account is a non-remunerative account with no minimum balance requirement. minimum balance requirement.

The account will be closed automatically if the The account will be closed automatically if the balance remains “zero” continuously for one year balance remains “zero” continuously for one year . . There are no service charges on the said account There are no service charges on the said account

for maximum of 2- withdrawals and 2- deposits. for maximum of 2- withdrawals and 2- deposits.

FOREIGN CURRENCY DEPOSITS: FOREIGN CURRENCY DEPOSITS:

Allied Bank has offer facilities for opening current Allied Bank has offer facilities for opening current saving and term deposit accounts. These accounts saving and term deposit accounts. These accounts can be opened in us dollars, Pound Sterling, Euro, can be opened in us dollars, Pound Sterling, Euro, and Japanese Yen at designated branches. and Japanese Yen at designated branches.

ALLIED PROFIT PLUS-TERM DEPOSITSALLIED PROFIT PLUS-TERM DEPOSITS

The scheme offers an attractive return on various tenors tailored to the The scheme offers an attractive return on various tenors tailored to the individuals needs of our customers. Profits is payable on maturityindividuals needs of our customers. Profits is payable on maturity

SLABSSLABS 11

MONTHMONTH33

MONTMONTHSHS

66

MONTHSMONTHS1212

MONTHSMONTHS

Rs0.5(M) to less than RS 5 Rs0.5(M) to less than RS 5 (M)(M)

6.50%6.50% 7.00%7.00% 7.50%7.50% 8.00%8.00%

Rs5(M) to less than Rs Rs5(M) to less than Rs 10(M)10(M)

6.75%6.75% 7.25%7.25% 7.75%7.75% 8.25%8.25%

Rs10(M) to less than Rs Rs10(M) to less than Rs 15(M)15(M)

7%7% 7.5%7.5% 8%8% 8.5%8.5%

Rs15(M) to less than Rs15(M) to less than Rs20(M)Rs20(M)

7.5%7.5% 8.00%8.00% 8.5%8.5% 9%9%

Rs 20(M)&aboveRs 20(M)&above 8.0%8.0% 8.5%8.5% 9.00%9.00% 9.5%9.5%

Allied Monthly Income Scheme:Allied Monthly Income Scheme: Allied Monthly Income Scheme is a unique product Allied Monthly Income Scheme is a unique product

with attractive returns. It provides an opportunity with attractive returns. It provides an opportunity for regular monthly income. The period of deposit for regular monthly income. The period of deposit under this scheme is 3 years under this scheme is 3 years

Minimum Amount R 100,000 ( with increments of Rs 10,000)

Profit Payable on monthly basis

Projected profit rates Rs 850 per month on a deposit of Rs 100,000 @ 10.20% p.a

Eligibility All individuals & institutions other than Financial Institution

Period 3 years

CARDSCARDSAllied Cash+:Allied Cash+:Allied Bank ATM Card also referred to as Allied Cash+ can Allied Bank ATM Card also referred to as Allied Cash+ can also be used as Debit Card at merchant locations having ORIX also be used as Debit Card at merchant locations having ORIX POS Terminals and displaying the ORIX logo.POS Terminals and displaying the ORIX logo. You can withdrawal upto Rs 25000 in a day (depending upon You can withdrawal upto Rs 25000 in a day (depending upon your deposit).your deposit).

Master Card:Master Card:

Allied Bank under license from Master Card International, Allied Bank under license from Master Card International, U.S.A issues its Master Card to anyone meeting the eligibility U.S.A issues its Master Card to anyone meeting the eligibility criteria.criteria.

Accepted at 16,000+ establishments in Pakistan and over 17 million Accepted at 16,000+ establishments in Pakistan and over 17 million retailers across the world, retailers across the world,

LENDING PRODUCTSLENDING PRODUCTS SEASONAL FINANCE:SEASONAL FINANCE:

seasonal finance facilityseasonal finance facility is allowed against pledge of produce of cash crops is allowed against pledge of produce of cash crops

harvested in that particular crop season. The delivery of pledge stocks/goods harvested in that particular crop season. The delivery of pledge stocks/goods is made against appropriate cash paymentis made against appropriate cash payment

AGRICULTURAL FINANC:AGRICULTURAL FINANC:

bank under agricultural financing scheme envisaged by the state bank of bank under agricultural financing scheme envisaged by the state bank of Pakistan extends short, medium and long term, Pakistan extends short, medium and long term, farm and non-farm credits. the farm and non-farm credits. the firm credit are e3xtended for production (inputs) and development purposes.firm credit are e3xtended for production (inputs) and development purposes.Non-firm credits are allowed for livestock (goats, sheep and cattle) ,poultry, Non-firm credits are allowed for livestock (goats, sheep and cattle) ,poultry,

factory including social forestry and fisheries .factory including social forestry and fisheries .

IMPORT EXPORT BUSINESS/TRADE FINANCE:IMPORT EXPORT BUSINESS/TRADE FINANCE:

Allied Bank provides highly efficient trade finance services for Allied Bank provides highly efficient trade finance services for imports/exports business for our clients/customers through large imports/exports business for our clients/customers through large number of authorized branches where trained and motivated staff number of authorized branches where trained and motivated staff is available to handle the business on behalf of customer.is available to handle the business on behalf of customer.

RUNNING FINANCE:RUNNING FINANCE:

it is a short term loan allowed by the bank for a period of one year. it is a short term loan allowed by the bank for a period of one year. The mark up is recovered on the products of daily outstanding The mark up is recovered on the products of daily outstanding balance. The running finance is suitable for meeting day to day balance. The running finance is suitable for meeting day to day financial needs of the business.financial needs of the business.

DEMAND FINANCEDEMAND FINANCE

it is distributed in lump-sum or in accordance with the it is distributed in lump-sum or in accordance with the agreed disbursement schedule and it is repayable as per agreed disbursement schedule and it is repayable as per the agreed installments which could be monthly, quarterly, the agreed installments which could be monthly, quarterly, biannual or annual.biannual or annual.

5:5: CORPORATE LEASING:CORPORATE LEASING:Allied bank Limited commenced lease operations upon Allied bank Limited commenced lease operations upon amalgamation with Ibrahim Leasing limited. Facilities amalgamation with Ibrahim Leasing limited. Facilities include leasing for machinery, commercial vehicles and include leasing for machinery, commercial vehicles and equipments. equipments.

SERVICES OF ABLSERVICES OF ABL Home RemittancesHome Remittances The Bank having a network of almost 766 branches The Bank having a network of almost 766 branches

all over Pakistan, undertakes to provide safe and all over Pakistan, undertakes to provide safe and instant of remittance from expatriates, routed through instant of remittance from expatriates, routed through designed foreign exchange companies and designed foreign exchange companies and correspondent banks with whom special correspondent banks with whom special arrangements have been made in this regard. arrangements have been made in this regard.

Remittance:Remittance: Allied Bank can transfer funds to the remotest part of Allied Bank can transfer funds to the remotest part of

the country for payment/credit to the customer the country for payment/credit to the customer himself or a third party, through himself or a third party, through Telegram/Telex/Telefax for payment/credit on the Telegram/Telex/Telefax for payment/credit on the same/next day. same/next day.

Hajj Services:Hajj Services:The bank serves the intended pilgrims by helping them The bank serves the intended pilgrims by helping them in performing in this religious obligation. The Hajj in performing in this religious obligation. The Hajj forms and other related services are provided by the forms and other related services are provided by the bank . Hajj applications are available with all branches bank . Hajj applications are available with all branches during Hajj season, immediately after the Hajj policy is during Hajj season, immediately after the Hajj policy is announced by the Government of Pakistan.announced by the Government of Pakistan.

Utility BillUtility Bill

All branches of the bank collect utility bills of All branches of the bank collect utility bills of electricity, gas and telephones. For convenience of the electricity, gas and telephones. For convenience of the customers, utility bills are collected by the branches customers, utility bills are collected by the branches during banking hours and also in the evening-banking during banking hours and also in the evening-banking on all working days. Bills can be paid through Cash or on all working days. Bills can be paid through Cash or Cheques. Cheques.

Telegraphical Transfer:Telegraphical Transfer:

Bank s are offering various type of products Bank s are offering various type of products related to fund transfer in Pakistan, assuring related to fund transfer in Pakistan, assuring the fastest delivery of Funds around the Globe, the fastest delivery of Funds around the Globe, through telex, SWIFT and other Electronic through telex, SWIFT and other Electronic Media.Media.

Allied Bank with its large network spread all Allied Bank with its large network spread all over the country is sharing quite a sizeable over the country is sharing quite a sizeable Funds transfer business in the domestic market.Funds transfer business in the domestic market.

Demand DraftDemand Draft::

A draft is one of the most popular banking instruments in the trade A draft is one of the most popular banking instruments in the trade circle to settle business deals and transferring funds from one place to circle to settle business deals and transferring funds from one place to another. Allied Bank has taken radical steps for a speedy another. Allied Bank has taken radical steps for a speedy issuance/payment of drafts through automation and introduction of a issuance/payment of drafts through automation and introduction of a more simplified system based procedure.more simplified system based procedure.

Pay Orders:Pay Orders:Pay order is a bank instrument issued by a bank in Pak Rupees Pay order is a bank instrument issued by a bank in Pak Rupees at the request of a customer to transact payment to a named at the request of a customer to transact payment to a named payee through banking channelpayee through banking channel..

Traveler Cheques-ABRTC:Traveler Cheques-ABRTC: ““Rupees Traveler Cheques” is one of the Rupees Traveler Cheques” is one of the

most convenient products launched by most convenient products launched by Allied Bank which has an excellent market Allied Bank which has an excellent market response.response.

ABRTC is only to be issued by the ABRTC is only to be issued by the authorized branches of the ABL..authorized branches of the ABL..

Traveler Cheques shall be valid until Traveler Cheques shall be valid until encashed unlike a “Negotiable encashed unlike a “Negotiable Instrument” which is valid for 6 months.Instrument” which is valid for 6 months.

Lockers:Lockers:Allied Bank Lockers are available in three Allied Bank Lockers are available in three different sizes. Small, Medium and Large on a different sizes. Small, Medium and Large on a yearly fee. Locker holders need not to have an yearly fee. Locker holders need not to have an account I the bank.account I the bank.

Commodity OperationsCommodity OperationsIt is a Cash Credit Financing to government for It is a Cash Credit Financing to government for procurement of various commodities, as per procurement of various commodities, as per allocation of the limits by the State Bank of allocation of the limits by the State Bank of Pakistan on government of Pakistan GuaranteePakistan on government of Pakistan Guarantee

ATM NETWORKATM NETWORK Allied Bank ATM Locater:Allied Bank ATM Locater:

Allied Bank has now introduced the Allied Bank has now introduced the Allied Cash+ Card also referred to as Allied Cash+ Card also referred to as ATM Card. You will now have the ATM Card. You will now have the convenience of withdrawing cash from convenience of withdrawing cash from any of our multiple ATMs (“All-Time any of our multiple ATMs (“All-Time banking” locations) banking” locations)

Link NetworkLink Network::In continuation of All-Time Banking services, with the In continuation of All-Time Banking services, with the country-wide network of 766 branches, we are pleased to country-wide network of 766 branches, we are pleased to announce that ABL has enhanced ATM services by joining announce that ABL has enhanced ATM services by joining the “1-Link Switch” which has following members Bank:the “1-Link Switch” which has following members Bank:

ABN Amro BankABN Amro BankAllied BankAllied BankBank AlfalahBank AlfalahAl baraka Islamic Al baraka Islamic BankBankHabib Bank LimitedHabib Bank Limited

Askari BankAskari BankBank Al Habib Bank Al Habib National Bank National Bank Picic Commercial Bank Picic Commercial Bank Union BankUnion BankSoneri BankSoneri BankMeezan BankMeezan Bank

M-Net Network:M-Net Network:The Allied Bank ALLIEDCASH+ card could be used in an M-Net ATM The Allied Bank ALLIEDCASH+ card could be used in an M-Net ATM as well. In Pakistan, the M-Net ATM facilities can be availed at any of as well. In Pakistan, the M-Net ATM facilities can be availed at any of

the following banks and locationthe following banks and location::

Metropolitan BankMetropolitan Bank Citi bank Citi bank Nib BankNib Bank HSBCHSBC The Bank of PunjabThe Bank of Punjab American ExpressAmerican Express My Bank LimitedMy Bank Limited

Standard Chartered BankStandard Chartered Bank Saudi Pak Bank LimitedSaudi Pak Bank Limited Prime commercial bank Prime commercial bank

LimitedLimited Habib Bank AG ZurichHabib Bank AG Zurich Muslim Commercial BankMuslim Commercial Bank Bank of KhyberBank of Khyber KASB KASB

DEPARTMENTATIONDEPARTMENTATION Departmentation is the process of grouping activities by Departmentation is the process of grouping activities by

function function . With idea of specialization and division of work activities . With idea of specialization and division of work activities

that are alike or similar are placed in one department and that are alike or similar are placed in one department and under a single chain of command. under a single chain of command.

Functional Departmentation is a method that has been Functional Departmentation is a method that has been Grouping departments along functional lines takes Grouping departments along functional lines takes advantage of occupational specialization by placing together advantage of occupational specialization by placing together jobs and tasks that are performed by people with the same jobs and tasks that are performed by people with the same kind of training, experience, equipment and facilities n and kind of training, experience, equipment and facilities n and still is successful in most organizations. It makes sense since still is successful in most organizations. It makes sense since it is a natural and logical way of arranging activities.it is a natural and logical way of arranging activities.

Department at Lahore BranchDepartment at Lahore Branch

Cash Department:Cash Department:

Cash department is working under the supervision of Cash department is working under the supervision of head casher, who and his team is responsible for head casher, who and his team is responsible for disbursement and receipt of cash from customers.disbursement and receipt of cash from customers.

The transactions are also maintained manually on cash The transactions are also maintained manually on cash register and at the close of the day they compare both register and at the close of the day they compare both computer and register computer and register

Finally they send daily cash report to head office Karachi Finally they send daily cash report to head office Karachi with duly sign by manager and head casher. with duly sign by manager and head casher.

Deposits Department:Deposits Department:

The saving schemes which are offered by the bank are as The saving schemes which are offered by the bank are as follow.follow.

Current Deposits:Current Deposits:

C.D account is usually maintained by C.D account is usually maintained by businesses and traders, where the holder of businesses and traders, where the holder of the account can deposit and withdraw from the account can deposit and withdraw from the account at any timethe account at any time

Current account can be open by any member of Current account can be open by any member of the public. Entities, corporations.the public. Entities, corporations.

Account holders can only withdraw sums from Account holders can only withdraw sums from their account by means of cheques supplied to their account by means of cheques supplied to them by the bank for a particular account.them by the bank for a particular account.

Profit and Loss Saving AccountProfit and Loss Saving Account The main objective of this account is to encourage The main objective of this account is to encourage

and mobilized savings of the people .and mobilized savings of the people . Rules for PLS are as follow.Rules for PLS are as follow. The account can be opened with a minimum The account can be opened with a minimum

balance of Rs.100balance of Rs.100 The account can be opened in the name of The account can be opened in the name of

individuals; minors (to be operated by guardian) individuals; minors (to be operated by guardian) limited companies, firm, educational institutions limited companies, firm, educational institutions etc.etc.

The account holder can withdraw cash from PLS The account holder can withdraw cash from PLS account only eight times in a calendar month and account only eight times in a calendar month and for total amount should not exceed Rs. 15000for total amount should not exceed Rs. 15000..

Allied Saving AccountAllied Saving AccountThis scheme is introduced to attract the customers This scheme is introduced to attract the customers as well as to encourage savings. It does not require as well as to encourage savings. It does not require minimum balance. The account holder can operate minimum balance. The account holder can operate this account frequently as in case of current this account frequently as in case of current account, profit paid on monthly basis. Table shoeing account, profit paid on monthly basis. Table shoeing rate of returns is as underrate of returns is as under..

BalanceBalance Rate of Return P.aRate of Return P.a

On 1 MillionOn 1 Million 1.25%1.25%

Over Rs 1.0 Million To 20.0 Million Over Rs 1.0 Million To 20.0 Million 1.75% 1.75%

Over Rs. 20.0 Million 100.0 Million Over Rs. 20.0 Million 100.0 Million 2.50% 2.50%

Capital Growth Certificate Scheme:Capital Growth Certificate Scheme:

Compound Interest is paid half yearly i.e. on principle as well as on interest and this account Compound Interest is paid half yearly i.e. on principle as well as on interest and this account can be opened by any category of customerscan be opened by any category of customers

PLS Term Deposits:PLS Term Deposits:

These deposits are accepted by individuals, firms, associations, local bodies, companies These deposits are accepted by individuals, firms, associations, local bodies, companies etcetc

1 month 2.00%

3 months 2.25%

2 years 3.25%

3 years 3.50%

4 years 4.00%

5 years 5.00%

3. 3. Remittances Department:Remittances Department:

This department transfers funds from one place to This department transfers funds from one place to another place and different rates on the basis of another place and different rates on the basis of amount transferred. ABL offers the following kinds amount transferred. ABL offers the following kinds of remittances:-of remittances:-

Telegraphic TransferTelegraphic Transfer Demand Draft Demand Draft Travelers Cheques Travelers Cheques

7. Human Resource Department:7. Human Resource Department:This department is responsible to manage the This department is responsible to manage the workforce of the bank in effective and efficient way workforce of the bank in effective and efficient way so that it can achieve its objectives.so that it can achieve its objectives.

8. Bills Department:8. Bills Department:This department is responsible for collection and This department is responsible for collection and payment of bills which include outward bills for payment of bills which include outward bills for collection (OBC) and inward bills for collection collection (OBC) and inward bills for collection (ICB). For OBC, the bank charges some (ICB). For OBC, the bank charges some commission.commission.

MOTIVATION:MOTIVATION:

Motivation is the individuals ,internal process that Motivation is the individuals ,internal process that energizes ,directs and sustains behavior.energizes ,directs and sustains behavior.ABL has adopted different ways to motivate ABL has adopted different ways to motivate employees, which are as follows:employees, which are as follows:

1.ATTRACTIVE REWARD SYSTEM1.ATTRACTIVE REWARD SYSTEM2.ATTENDACE AND PUNCTUALITY REWARD 2.ATTENDACE AND PUNCTUALITY REWARD SYSTEM.SYSTEM.3.CASH AWARD SYSTEM3.CASH AWARD SYSTEM4.HIGH PERFORMANCE AWARDS.4.HIGH PERFORMANCE AWARDS.5.ATTRACTIVE SALARIES.5.ATTRACTIVE SALARIES.

Financial AnalysisFinancial Analysis

PERFORMANCE HIGHLIGHTSPERFORMANCE HIGHLIGHTS 20072007 20082008

ASSETSASSETS

Total Assets-Gross Total Assets-Gross 330,419330,419 379,304 379,304

Total Assets- net of provision Total Assets- net of provision 320,110320,110 3,366,6803,366,680

LIABILITIESLIABILITIES

Total Liabilities Total Liabilities 300,231300,231 344,325 344,325

NET ASSETS/LIABILITIESNET ASSETS/LIABILITIES

Equity-Tier IEquity-Tier I 18,408 18,408 20,805 20,805

Surplus on revaluation of assetsSurplus on revaluation of assets 1,470 1,470 1,5501,550

PROFITABILITYPROFITABILITY

Net Markup/ Interest income Net Markup/ Interest income 11,108 11,108 14,011 14,011

Non interest income Non interest income 3,9203,920 4,152 4,152

Gross incomeGross income 15,029 15,029 18,163 18,163

Profit before provisions Profit before provisions 8,855 8,855 9,764 9,764

Profit befor Taxation Profit befor Taxation 5,9535,953 6,1216,121

n Profit/(Loss) after taxation n Profit/(Loss) after taxation 4,076 4,076 4,157 4,157

CASH FLOW STATEMENT-SUMMARYCASH FLOW STATEMENT-SUMMARY

Cash flow from Operating ActivitiesCash flow from Operating Activities 46,350 46,350 564 564

Cash flow from Investing Activities Cash flow from Investing Activities -38,461-38,461 -3,544 -3,544

Cash flow from Financing Activities Cash flow from Financing Activities -1,904 -1,904 -1,755 -1,755

Cash & Cash equivalent at the Beginning of the Year Cash & Cash equivalent at the Beginning of the Year 24,303 24,303 29,84229,842

Effect of exchange Rate Changes Effect of exchange Rate Changes 65 65 511 511

Cash & Cash equivalent at the End of the Year Cash & Cash equivalent at the End of the Year 30,353 30,353 25,618 25,618

FINANCIAL RATIOSFINANCIAL RATIOS

Return on Equity(RoE Return on Equity(RoE 24%24% 21% 21%

Return on Assets(RoA)Return on Assets(RoA) 1.42% 1.42% 1.21% 1.21%

Gross spread ratio Gross spread ratio 52%52% 46% 46%

Cost to revenue ratio Cost to revenue ratio 41.10% 41.10% 46.20% 46.20%

Return on capital Employed Return on capital Employed 21% 21% 19% 19%

SHARE INFORMATIONSHARE INFORMATION

Cash dividend per share (Rs) Cash dividend per share (Rs) 3 3 2.5 2.5

Earning per Share(EPS) Earning per Share(EPS) 6.316.31 6.43 6.43

Book value per shareBook value per share 36.9 36.9 34.6 34.6

Market Value per Share Market Value per Share 130.2 130.2 31.331.3

BALANCE SHEETBALANCE SHEET

December December 31,200831,2008

December December 31,200731,2007

Rupees in Rupees in '000''000'

AuditedAudited Un-auditedUn-audited

ASSETSASSETS Cash and balance with treasury Cash and balance with treasury banks banks

23,653,754 23,653,754 29,739,878 29,739,878

Balance with other banks Balance with other banks 2,097,611 2,097,611 668,449 668,449

Lending’s to financial institutions Lending’s to financial institutions 15,793,183 15,793,183 18,419,241 18,419,241

Investments Investments 82,433,998 82,433,998 83,458,463 83,458,463

AdvancesAdvances 213,020,108 213,020,108 168,407,280 168,407,280

Operating fixed assets Operating fixed assets 11,150,129 11,150,129 7,551,848 7,551,848

Deferred tax assets Deferred tax assets 1,031,049 1,031,049 662,416 662,416

Other assets Other assets  17,388,612 17,388,612 10,698,979 10,698,979

366,568,444366,568,444 319,606,55319,606,5544

LIABILITIESLIABILITIES Bills payableBills payable 2,952,490 2,952,490 3,494,384 3,494,384

BorrowingsBorrowings 27,778,151 27,778,151 22,933,656 22,933,656

Deposits and other accounts Deposits and other accounts 297,474,543 297,474,543 263,469,594 263,469,594

Sub-ordinated loans sSub-ordinated loans s 2,498,000 2,498,000 2,499,000 2,499,000

Liabilities against assets subject Liabilities against assets subject to finance leaseto finance lease

Deferred tax liabilitiesDeferred tax liabilities

Other liabilities Other liabilities 13,629,361 13,629,361 7,329,759 7,329,759

344,332,545 344,332,545 299,726,393 299,726,393

NET ASSETSNET ASSETS 22,235,89922,235,899 19,880,16119,880,161

REPRESENTED BYREPRESENTED BY

Share Capital Share Capital 6,463,644 6,463,644

5,386,3705,386,370

Reserves Reserves 5,804,776 5,804,776 6,050,713 6,050,713

Unapproprited profit Unapproprited profit 8,475,791 8,475,791 6,973,227 6,973,227

20,744,211 20,744,211 18,410,310 18,410,310

Surplus on revaluation of assets-Surplus on revaluation of assets-net of tax net of tax

1,491,688 1,491,688 1,469,851 1,469,851

22,235,89922,235,899 19,880,16119,880,161

Financial AnalysisFinancial Analysis Total Assets 366 billion, 2008Total Assets 366 billion, 2008

Investment-NetInvestment-Net Advances-Advances-NetNet

OthersOthers

8383 213213 7171 Asset Composition,2007

84

168

68Investment-Net

Advances-Net

Others

Total Deposits 297 billion, 2008Total Deposits 297 billion, 2008 Current

RemunerativeTerm Current Saving

14% 36% 26% 24%

Deposit Mix 2008(Rs in Billion)

14%

36%26%

24%

CurrentRemunerativeTerm

Current

Saving

Earning Per ShareEarning Per Share

YearsEarningsper Share

2005 4.8

2006 6.8

2007 6.3

2008 6.4

EARNINGS PER SHARE(Rupees)

2005

2006

2007

2008

4.8

6.8

6.3

6.4

0 1000 2000 3000

1

3

Years

Earningsper Share

Years

Profit after TaxationProfit after Taxation

Years 2005 2006 2007 2008

Rupees 3,090 4,397 4,076 4,157

Profit after Taxation(Rs. in million)

2005

2006

2007

2008

3,090

4,397

4,076

4,157

0 1000 2000 3000 4000 5000

1

2

3

4

Years

Rupees

Years

Operating ProfitOperating Profit

Years 2005 2006 2007 2008

Rupees 5,543 7,583 8,855 9,764

Operating Profit(Rs. in million)

2005

2006

2007

2008

5,543

7,583

8,855

9,764

0 5000 10000 15000

1

2

3

4

Years

Rupees

Years

Foreign Exchange Reserves:Foreign Exchange Reserves:Years 2005 2006 2007 2008

Rupees 12,597 13,122 15,647 11,369

Foreign Exchange Reserves(US $ millions)

2005

2006

2007

2008

12,597

13,122

15,647

11,369

0 5000 10000 15000 20000

1

2

3

4

Years

Rupees

Years

SWOTSWOT ANALYSISANALYSIS

SWOT AnalysisSWOT AnalysisStrengths:Strengths:

Strengths are the internal plus point that Strengths are the internal plus point that makes an organization strong.makes an organization strong.

Its online banking facility to its customers has given Its online banking facility to its customers has given Allied Bank a competitive edge over its competitors, Allied Bank a competitive edge over its competitors, ensuring fast and reliable banking transactions.ensuring fast and reliable banking transactions.

It has product innovation skills and resources.It has product innovation skills and resources. Allied Bank mainly focuses on its customers

Allied Bank has got a very friendly staff.

Because of the policies of Allied Bank employees are very much motivated and devoted to their work.

WeaknessWeakness

Weaknesses are the internal weak points, Weaknesses are the internal weak points, which every organization has.which every organization has.

1)1) Marketing skills of the bank are good, but Marketing skills of the bank are good, but they have little presence at media.they have little presence at media.

2)2) The lower level management lacks clear The lower level management lacks clear direction and it is not having the direction and it is not having the managerial depth.managerial depth.

3)3) Customers having account with small Customers having account with small amount are not given the same attention amount are not given the same attention as compared to those with large amount.as compared to those with large amount.

4)4) Physical setup of the branches is not Physical setup of the branches is not impressiveimpressive..

OpportunitiesOpportunities

An external situation, which an organization An external situation, which an organization can benefit from, is called opportunities for can benefit from, is called opportunities for that organization.that organization.

1)1) Allied Bank should extend their branches Allied Bank should extend their branches network to other part of the country.network to other part of the country.

2)2) Increases credit facilities to lower income Increases credit facilities to lower income group, thus reducing the risk of loss group, thus reducing the risk of loss improving the image of the bank.improving the image of the bank.

3)3) Allied Bank should take interest in the new Allied Bank should take interest in the new market statement like IT business and market statement like IT business and software business.software business.

4)4) Increasing need and potential of leasing in Increasing need and potential of leasing in Pakistan provides ABL an opportunity to Pakistan provides ABL an opportunity to utilize its skills and efficiencies in leasing utilize its skills and efficiencies in leasing business as well.business as well.

ThreatsThreatsAn external situation posed to harm An external situation posed to harm organizations interest is regarded as threat to organizations interest is regarded as threat to that organization.that organization.1)Political and economical situation of the country.

2)Reducing the rates of savings in different segments of people.

3)Increasing number of private /foreign banks in the country.

4)Global technology advancement.

5)Deteriorating confidence of people in bank uncertainties of the investors.

RECOMMENDATIONSRECOMMENDATIONSSelection & RecruitmentSelection & Recruitment

Market ResearchMarket Research

Customer RelationCustomer Relation

Rules & Conventions of OrganizationRules & Conventions of Organization

Job RotationJob Rotation

Training ProgramsTraining Programs

Salaries & BenefitsSalaries & Benefits

CreditsCredits

CONCLUSIONCONCLUSION

Thank youThank you