Naveed

TABLE OF CONTENTS
No: Titles Page no
1 EXECUTIVE SUMMARY 3
2 VISION, MISSION AND CORE VALUES 4
3 HISTORY OF ALLIED BANK 5
4 BOARD OF DIRECTORS 9
5 ORGANIZATIONAL CHART 10
6 SWOT ANALYSIS 12
7 COMPETITIVE STRETAGY 19
8 PEST ANALYSIS 20
9 SERVICES OFFERED BY ABL 21
10 PRODUCTS (ACCOUNTS AND PACKAGES) 23
11 FINANCIAL RATIO ANALYSIS 39
12 ABL AND FIRST DATA SIGN CARD 52
13 THE CEBIT (EVENT IN GERMANY) 52
14 PUBLICITY AND PUBLIC RELATIONS 54
15 QUALITY ASSURANCE SYSTEM 56
16 HUMAN RESOURCES 57
17 LEARNING AS AN INTERNEE 61
18 NEW KNOWLEDGE ACQUIRED 64
19 PROBLEMS ENCOUNTERED 70
20 HOW EXPERIENCE IMPACTS MY CAREER 71

21 BIBLIOGRAPHY AND REFRENCES 72
LAHORE GARRISION UNIVERSITY pg. 1

Executive Summary
I did my internship in Allied Bank Limited, Raiwind road branch from 20th July to 30th of august.
As it was my very first experience of work so they rotated me in different departments like Account
opening, clearing, issuance of ATMs, cheques books and lockers, online transaction. The staff
made me learns the basics of different departments in this way. I faced a lot of difficulties during
the span of learning but I got full attention and support from the staff, and they really made me
learn a lot. During the internship I kept on consulting my internship advisor every week. At the
end of internship the manager gave me the internship letter and evaluated my overall performance
on an evaluation form prescribed by our university.

Vision, Mission & Values
Vision
 To become a dynamic and efficient bank providing integrated solutions in order to be

the first choice bank for the customers.
Mission
 To provide value added services to our customers

 To provide high tech innovative solutions to meet customers
 Requirements.
 To create sustainable value through growth, efficiency and diversity
 for all stakeholders
 To provide a challenging work environment and reward dedicated
 team members according to their abilities and performance
 To play a proactive role in contributing towards the society
Core Values
 Integrity
 Excellence in service
 High performance
 Innovation and growth

History of Allied Bank of Pakistan
ABL was established in Lahore before independence in 1942 Allied Bank Limited is one of the
largest banks in Pakistan now with more than 757 Branches in over 300 cities offering real time
online banking. . In August 2004 the Bank was restructured and the ownership was transferred to
Ibrahim Group.
Established in December 1918 with the name “Australasia Bank” at Lahore with a paid-up share
capital of Rs. 0.12 million under the Chairmanship of Khawaja Bashir Bux, the Bank had attracted
deposits equivalent to Rs. 0.431 million in its first eighteen months of business. Total assets then
amounted to Rs. 0.572 million. Today Allied Bank's paid up Capital & Reserves amount to Rs.
10.5 billion, deposits exceed Rs. 143 billion and total assets equal Rs. 170 billion. The different
stages through which Allied Bank had gone are a result of hard work and determination.
Before partition the Hindus got flourished in the field of trade and commerce and it was thought
that muslims can not compete then because they can not save and invest , and they do not have
the caliber to operate in the field of banking . To respond these remarks by hindus , Khawaka
Bashir Bux established the first Muslim bank in December 1918; by the name of Australasia Bank
Limited. The initial equity of the Bank amounted to Rs 0.12 million, which was raised to Rs 0.5
million by the end of first full year of operation, and by the end of 30th June 1947 capital increased
to Rs. 0.673 million and deposits raised to Rs 7.728 million.
Australasia Bank was the only fully functional Muslim Bank on Pakistan territory on August 14,
1947.It was severely hit by the riots in East Punjab.All the branches in India were closed and new
Branches were opened in Karachi, Rawalpindi, Peshawar, Sialkot, Sargodha, Jhang, Gujranwala
and Kasur. Later its network spread to Multan & Quetta . Despite the worst conditions prevailing
during 1947 to 1948 Australasia made a profit of 50,000 .It lost 51 branches because of separation
of East Punjab , but still it didn’t give up and kept on working hard with full determination and got
success.

A NEW PHASE, ALLIED BANK:
In 1974, the Board of Directors of Australasia Bank was dissolved and with the union of Lahore
Commercial Bank and Sarhad Bank it was renamed as Allied Bank. This phase was remarkably
a very successful one for ABL, 116 new branches were opened soon, because ABL made a profit
of more than rupees 10 million, deposits rose to Rs: 1460 million, Investments rose by 72 percent
and advances exceeded Rs 1080 million for the first time in bank history.
ABL got so much profit from 1974 to 1991 that branches increased from 353 to 748. Deposits
rose from Rs 1.46 billion, and Advances and investments from Rs 1.34 billion to Rs 22 billion
during this period. That’s why it opened 3 branches in UK as well.
A NEW PHASE IN 1991:
ABL entered into a new phase in 1991, as a result of the policy of privatization, ABL became the
very first bank to be owned and managed by it’s own employees .Even after privatization ABL
proved itself and Allied Bank’s capital and reserves were Rs. 1.525 (Billion), assets amounted to
Rs. 87.536 (Billion) and deposits were Rs 76.038 (Billion). In this way ABL enjoyed an inevitable
position in financial sector of Pakistan and became one of the best banks in our country.
IBRAHIM (2004)
In 2004 , the Bank’s ownership was transferred to a consortium comprising Ibrahim Leasing
Limited and Ibrahim Group .ABL is now part of Ibrahim Group , one of the world’s largest industrial
congloromates in Pakistan with business in textile , trading , polyester fibers , energy and financial
services sectors .After this merging the board formulated comprehensive strategic priorities to
address the needs to run a world class financial institution .To attain this goal , it was imperative
to invest in human resources , systems and technology , with special
Emphasis value addition and special quality.
ABL IN 2005:

In May 2005 Ibrahim Leasing Limited (ILL) was amalgamated and vested in Allied Bank Limited.
ILL shareholders were issued ABL shares in lieu of the ILL shares held by them. Application for
the listing of ABL shares in all the Stock Exchange Companies of Pakistan was made.
ABL was formally listed and trading of the shares of the Bank commenced W.E.F. the following
dates.
Islamabad Stock Exchange 8th August 2005

Lahore Stock Exchange 10th August 2005
Karachi, Stock Exchange 17th August 2005
Now all shareholders of Allied Bank Limited can trade in the shares of the Bank at their free will.
ABL IN 2007:
Allied bank’s progress was further acknowledged when the bank was included in the top 1000
banks of the world. This goes to show the improvement in Allied bank’s policy, procedures and
services during the past few years .
IN TODAY’S WORLD:
ABL is now one of the largest banks in Pakistan with a network of 757 in over 300 cities and towns
offering real time online banking. The bank leads the way by having the largest network of 450
ATM’s in more than 145 cities and towns across Pakistan. Currently ABL possesses 932nd position
in the world. The management has a vision to move forward and to be one of the world’s leading
banks.

PRODUCTS:
LOCKERS:
ABL has given its customers the facility of lockers, so that they can secure their valuable things
in the lockers, for example, gold, any important documents, or anything which a person wants to
keep very safely. ABL lockers are available in three different sizes large, medium, and small on a
yearly fee. Locker holders need not have an account in the bank. The customers get back the
security fees when they close their locker facility by the bank.
SAFE DEPOSIT LOCKERS INSURANCE:
The bank has already informed its safe deposit locker holders through half yearly statement of
accounts as on 30-06-07 that the bank has arranged insurance cover at its own cost subject to
the terms and conditions of the insurance policy for the losses sustained and discovered by the
reasons of damage, destruction or loss by fire, burglary and locker breaking.
Maximum insurance ceiling provided for each category of lockers is mentioned hereunder:
Serial Locker size Annual locker rent Maximum loss

number (current) coverage/Limit
1: Small Rs. 1500/- Rs. 500,000
2: Medium Rs. 2000/- Rs. 1,000,000
3: Large Rs. 4000/- Rs. 1,500,000

CHEQUE BOOKS:
Cheque books are issued after three days of opening of account, the first cheque book issuance
charges costs rupees 110, second and so on cheque books are issued on request of the
customer, customer has to submit a request form for issuance of another cheque book, and the
charges of these cheque books are 215 rupees.
There are two types of cheque books, the first one is of 50 leaves and the second one is of 25
leaves.
ALLIED CASH + CARD:
Allied bank’s ATM Debit card, also referred to as Allied Cash+, can be used to withdraw cash and
may also be used as a debit card at merchant locations / service outlets having ORIX POS
terminals and displaying the ORIX logo.
Allied Cash+ offers you the privilege of using over 2000 ATM’s all over Pakistan including our
largest ATM network of over 450 ATM’s. Through this card you can have an experience of
Cashless shopping at thousands of merchant locations.
Get instant cash and check balances at over 2000 ATM’s nationwide. Here is what they have to
offer:
 Round-the-clock cash withdrawals:

Now people can make withdrawals up to Rs: 25000 in a day (depending upon your deposit)
at any ATM across Pakistan (the maximum transaction limit is 25000).

 Balance inquiry and mini statement of account:
The ATM screen will reveal the balance in your account. A mini statement
Comprising last 8 transactions can also be obtained from the ATM.
 Pin change:
You can now easily change your Pin at regular intervals for enhanced security at all ATM’s
of Pakistan.
 Utility bill payment facility:

Pay your telephone, electricity and gas utility bills on any of out ATM’s without having to
wait in long queues outside your branch.
 Funds transfer facility:

You have the power to transfer money from your account to any account of ABL anywhere
in Pakistan.
1 LINK NETWORK:
In continuation of ALL TIME BANKING SERVICES, with the country wide network of 735
branches, ABL has also enhanced ATM services by joining the 1-LINK SWITCH which has
following member banks.
 ABN AMRO BANK

 AL BARAKA ISLAMIC BANK
 ALLIED BANK LIMITED
 ASKARI COMMERCIAL BANK LIMITED
 ATLAS BANK LIMITED
 BANK AL HABIB LIMITED
 BANK ALFALAH LIMITED
 BANKISLAMI PAKISTAN LIMITED
 CRESENT COMMERCIAL BANK LIMITED
 DUBAI ISLAMIC BANK PAKISTAN LIMITED
 EMIRATES GLOBAL ISLAMIC BANK LIMITED
 FAYSAL BANK LIMITED
 FIRST DAWOOD ISLAMIC BANK LIMITED
 HABIB BANK LIMITED
 KASB BANK LIMITED
 MEEZAN BANK LIMITED
 NATIONAL BANK OF PAKISTAN
 NIB BANK LIMITED
 PICIC COMMERCIAL BANK LIMITED
 SONERI BANK LIMITED
 STANDARD CHARTERED BANK PAKISTAN LIMITED
 UNION BANK LIMITED
 UNITED BANK LIMITED
 MYBANK LIMITED
 TAMEER MICRO FINANCE BANK LIMITED
The card holders of ABL are thus able to access member banks ATM’s for balance inquiry and
can withdrawal simultaneously vice versa.
The card holder’s member banks can access ABL’s ATM machines.
Every ATM which is connected with 1-LINK SWITCH has a logo which indicates that 1-LINK
SWITCH member can access the ATM.

Remittances:
Allied bank can transfer funds to the remotest part of the country for payment or credit to the
customer himself or a third party through telegram/telefax/telex for payment or credit on the same
or next day. Telegraphic transfers can also be made abroad in foreign currency.
Carrying cash to the strange alien location can prove to be risky as a single incident can render
one without monitory backup of any sort. Hence traveler’s cheques are introduced by banks in
order to protect against any contingency.
TELEGRAPHICAL TRANSFER:
Banks are offering various types of products related to funds transfer in Pakistan, assuring the
fastest delivery of funds around the globe, through telex, swift and other electronic media.
ABL with its largest network spread all over the country is sharing quite a sizeable funds transfer
business in the domestic market.
Bank has recently moved to optimize the use of electronic media to handle funds transfer with
speed. Even the shift over to Swift is at hand and a network has been established by Central
office.
DEMAND DRAFT:

A draft is one of the most popular banking instrument in the trade circles to settle business deals
and transferring funds from one place to another. ABL has taken radical steps for a speedy
insurance/payment of Drafts through automation and introduction of a more simplified system
based procedure.
PAY ORDERS:
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 payee through banking channel.
Generally payments against such cheques (pay orders) are restricted to Payees account and as
such are required to be enrooted through a bank account locally.
TRAVELLERS CHEQUES _ ABRTC:
Rupee traveler’s cheques are one of the most convenient products launched by ABL, which has
an excellent market response.
ABRTC’s is only to be issued by authorized branches of the ABL.
With the application of government levies, nominal commission is also charged on issuance of
Traveler cheques.
Traveler cheques shall be valid until encashed unlike a Negotiable instrument which is valid for 6
months.
VISA CREDIT CARD:
ABL as part of it’s commitment to improving customer service has launched its new ABL VISA
CREDIT CARD; it will be in use from the month of august.

All existing ABL MasterCard credit cards will be blocked or inactivated in august preventing any
future transactions on those cards. To assist customers in this process, ABL will be contacting its
cardholders directly and through personal visits from duly authorized representatives for the
purposes of obtaining consent and other related documentation including copies of CNIC. Any
balances remaining on ABL MasterCard will after compliance with formalities, be transferred to
the new Allied visa credit card to avoid any inconvenience to the existing customers
UTILITY BILLS:
All branches of ABL collect utility bills of electricity, gas and telephones. For convenience
of the customers, utility bills are collected by the branches during banking hours and also
in the evening-banking on all working days. Bills can be paid through cash or cheques.
Consumers may drop bills with crossed cheques into a drop box available at the branches
under CHEQUE DROP IN system.
Utility bill payment facility – Pay your telephone, electricity and gas utility bills on any of
the ATM’s of ABL without having to wait in long queues outside your branch.
THE TYPES OF ACCOUNTS AND PACKAGES OFFERED BY

ABL:
The different types of accounts offered by ABL are :
 PLS saving account (profit and loss saving account):

 Current account:
 ABA account (Allied business account):
 BBA account (Bacis banking account):
 Foreign currency account
 E_Saver account
 Allied Savers Account
 Munafa package
 Mahana Amadni Package

 Allied Bachat Scheme package
CURRENT ACCOUNT:
ABL offers current account facility for individuals as well as institutions and commercial
customers.
Free online transactions, DD/PO/TT for depositors maintaining average monthly balance of
Rs:25000 (M) and above during the previous month.
PLS SAVING DEPOSIT:
ABL offers PLS savings account facility to it’s customers with the following attractive features.
 Attractive return up to 1% per annum
Free online transaction, DD, TT, PO for depositors maintaining average monthly balance of Rs:
25000(M) and above during the previous month.
ALLIED BUSINESS ACCOUNT:
Allied bank offers a banking experience beyond expectations. Allied business account is a non-
profit current account with countless benefits and services. If you are a business man, trader or
an individual Allied business account is an ideal proposition for you.
 Minimum average balance Rs:10000/- monthly

 Transaction limit No limit
 Eligibility All individuals and institutions

SWOT ANALYSIS:
SWOT Analysis is the abbreviation of for words:
 S _ STRENGTH
 W_ WEAKNESS
 O_ OPORTUNITIES
 T_ THREATS
MICRO FACTORS:
The strength and weakness are the internal factors of the organization; they are also known as
micro factors.
EXTERNAL FACTORS:
The opportunities and weakness are the external factors, and are also known as macro factors.
Both these micro and macro factors really effect the working of an organization, but the only
difference is that micro factors are under the control of the organization where as the macro
factors are not under the control of the organization it self.
By doing SWOT analysis of the organization the present and future conditions and status of the
organization can be evaluated. To run an organization it is very important to know the strengths
of that organization so that they can be made the competitive advantage of that firm against its
competitors. Same is the case with weaknesses that by knowing them a firm can try to overcome
those weaknesses.
And by knowing the opportunities and threats of a firm or an organization, that organization can
make plans for its future. It can avail the opportunities and avoid the threats.
So following is the SWOT analysis of ABL from my view and the knowledge I have about ABL.

STRENGTHS:
 NETWORK OF 757 BRANCHES

Allied bank has a large number of branches i-e 757. It has one of the largest networks all over
Pakistan. All of its branches are interlinked through an online system. And most of its branches
are doing a very good business and earning a lot of profit.
 ONLINE FACILITY
ABL is providing an online facility to its customers, through this facility customers can send or
transfer cash or cheques to any other account in any other branch of ABL within seconds. It also
provides the facility of cash withdrawal and balance inquiry from a certain account of any other
branch of ABL through cheques.
 SECURE BANKING:
The online banking facility provides less chances of fraud. Because the receipts of any online
transaction are given to customers at the time transaction takes place and also can be checked
any time. To make it much more secure the NIC copy of the person is also submitted at the time
of online transaction but those customers who also have their accounts in the same branch do
not need to submit the copy of NIC as their copy is already attached with their account opening
forms.
 FOREIGN CURRENCY:
ABL also provides its customers the facility of foreign exchange; people can also open their
accounts in foreign currency. Customers are also given the facility of money exchange on current
rates. The head office also provides the foreign currency account holders the facility of the current

rates of foreign exchange through fax facility. The bank also provides the facility of letter of credit
and export/import facility to the customers.
 VARIETY OF PRODUCTS:
ABL provides a variety of products to its customers. ATM, DD, TT, PO, CREDIT CARDS,
TRAVELERS CHEQUE are its main products. Customers have a lot of variety of accounts; they
can invest in any account of their choice keeping in view that are they salaried persons,
businessmen, or students etc. It also gives the facility of collection of amounts to its customers.
 LOCKERS FACILITY:
ABL provides the facility of lockers in its all branches. It is one of those banks which is offering
this facility in all of its branches.
 CUSTOMER CARE CENTRE:
ABL also provides the customer care centre facility to its customers. ABL has a toll free number
on which the customers can call anytime, its free of cost , so that customers can contact the bank
whenever they need any sort of help or guidance.
 SAME ACCOUNT NUMBER FACILITY
At Allied bank the customers the person who has more than one account can have the facility of
the same account number only the suffix is changed. This facility provides the customer with easy
remembering of the account number.
 ACCOUNT OPENING:
At Allied bank it’s very easy to open an account just an introducer and a copy of NIC is required.
Customer just needs to fill up account opening forms and can enjoy the facilities of any type of
account the want. This is the strength of Allied bank facilitates all of its customers.
 PAID LEAVES:

The employees can avail the one month leave facility in an year and 36 medical leaves per year
with full salary so that its employees can have some relaxation.
 SUPPORTIVE ENVIRONMENT:
ABL provides its customers a very supportive environment, customers are given the
foremost priority, even the staff helps all of its colleagues and all staff members like to
share the workload with their colleagues.
 LOW INTEREST RATES:
To encourage people to do business with ABL, it gives loans to its customers on very low interest
rates.
 EMPLOYEES’ REPLACEMENT
In every branch of Allied bank the back up of every employee is there in case of emergency if
some officer is not available at the bank, some other person will back him up. That person is
always well familiar with the responsibilities of that officer.
 SECURE ENVIRONMENT
Cameras are installed in all the branches of the bank to ensure security of its customers and
employees. Also security guards are available through out the day. Cameras are installed in front
of the cash counters. These cameras are switched on all the time. The branch manager can see
all the activities while sitting in his office on a display monitor. If some thing goes wrong then the
manager can buzz the security alarm immediately

WEAKNESSESS
 LATE PROMOTIONS:
Against the schedules specified by the bank, employees are promoted after a long period of time.
And from my view its one of the biggest weaknesses of ABL.
 LOW PRODUCT CREDIBILITY
Allied Bank has still not got the edge where the consumers become loyal to its products
and services. Mostly customers become its customers out of no reason than request from
a personal banker. And talking about consumer banking, though credit cards awareness
in our middle class society has gradually improved but not up to the point where they can
compare the features that one Bank is offering and other is not. Truth must be said, most
customers do not even know the points behind the term “interest free days”. The point is,
consumers do not know of the product being offered so how can they rely on the product.
 MANUAL WORK:
ABL is still relying on a lot of manual work. As compared to other banks now a days ABL is still
using a lot of manual work instead of software’s. Most of its recording are kept in form of hard
copies and maintained by its employees in manuals. It really takes a lot of time and efforts for
maintaining the data manually.
OPPORTUNITIES:

 ABL is working mostly in corporate sector and its basically missing a big share of
consumer banking. If ABL over comes this point, then it can become of of the biggest bank
of Pakistan. By improving itself in consumer banking it can really earn huge amount of
profits and can emerge as the top most bank of our country.
 ABL has also ignored the sector of car financing, which is a very important financing
nowadays. Many people nowadays buy cars through car financing but ABL does not have
this facility. If it starts car financing then definitely many people will get attracted towards
this scheme and definitely ABL will be able to earn a lot as well and many customers will
also get attracted in this way.
THREATS:
 COMPETITORS:
The main competitors of ABL are BANK AL-FALAH, FAYSAL BANK, PRIME BANK, MCB. Due
to tuff competition with these banks ABL is forced to sanction loans at less interest rates, so that
to attract the customers. And because of these low rates it earns less. The threat of these
competitors is a very big hurdle in the way of success of ABL.
 POLITICAL INSTABILITY:
Due to continuous political instability in the country the foreign exchange accounts and
overall growth of financing sectors has really declined a lot.

 CHARGES BY GOVERNMENT:
Government has increased the taxes and charges on all the services of finance and banking
sector, because of these increased charges ABL has to increase the charges on every service to
the customers, which is really affecting the working of ABL and all other banks as well. As
government keeps on revising the taxes on continuous basis ,which is not at all in the interest of
the banking sector.
 TRADE ,INDUSTRIES AND STOCK EXCHANGE:
Sudden fall in the trade, industrial sector and stock exchange market has also adversely
affected the working of banks a lot. Decreased per capita income, unemployment,
inflation, un favorable balance of trade recession and boom are the source to the slow
progress of the banking sector.
 POLICIES OF ABL:
The employees are given promotions on reference basis, which causes frustration among
employees and overall graph of the performance comes down. So ABL should reconsider
their policies so that the bank may remain in the race.

BOARD OF DIRECTORS:
Following are the names of the Chairman, Chief executive officer, and Board of Directors
of ABL:
CHAIRMAN:
 MOHAMMAD NAMEEM MUKHTAR
CEO:
 MOHAMMAD AFTAB MANZOOR
DIRECTORS:
 PERVAIZ IQBAL BUTT

 FARRAKH QAYYUM
 ABDUL AZIZ KHAN
 AHEIKH JALEES AHMAD
 MUHAMMAD WASEEM MUKHTAR
 SHEIKH MUKHTAR AHMAD
 TASNEEM M. NOORANAI
 NAZRAT BASHIR
 MUBASHIR A. AKHTAR

Organizational Chart
CHAIRMAN
CEO
Senoir Executive Vice

President(SEVP)
Senoir Vice President(SVP)
Executive Vice
President(EVP)
AssistantVice
President(AVP)
OG-1 OG-11 OG-111
Supporting staff

Branch Organization Structure
Manager
Customer Service Manager

(CSM)
MG-10(Day End/calling) MG-10(Day end/Calling)
MTO (Acct opening MTO (ATM & Cash MTO (Clearing MTO (CD Incharge)
Officer) Book Officer) Officer)
Cashier Teller

AVERAGE MONTHLY SERVICES CHARGES
BALANCE
Online/Manual remittance Free

Rs: 500,000 and above
Outward cheque return Free

Rs: 500,000 and above
Issuance of Free
DD/TT/PO/OBC/Expression
Rs: 500,000 and above collection
ADDITIONAL BENEFITS:
o 24 hours helpline service

o Free internet banking facility
o SMS transaction alerts
o ATM / DEBIT card for cash withdrawals through any ATM and debit transactions at various
retail outlets
ALLIED BASIC BANKING ACCOUNT:
In order to provide basic banking facilities to low income people in Pakistan, Allied bank has
introduced ALLIED BASIC BANKING ACCOUNT (ABBA).
 This account can be opened with an initial deposit of Rs: 1000/-.

 This account is a non-remunerative account with no minimum balance requirement.
 This account will be closed automatically if the balance remains ZERO continuously for
one year.
 The statement of the account will be issued on yearly basis.
 There are no service charges on the said account for maximum 2-withdrawals and 2
deposits during a calendar month. Additional transactions will be subject to a service
charge as per Bank’s schedule of charges for every withdrawal/deposit.
 Unlimited free of charge withdrawals from ATM.
FOREIGN CURRENCY DEPOSITS:
Allied bank offers the facility for opening Current, savings and Term deposit accounts. These
accounts can be opened in US Dollar, Pound Sterling, Euro, and Japanese Yen at designated
branches.
ALLIED MUNAFA ACCOUNT (AMA):
Allied Munafa Account is a profit bearing checking account with the payment of profit on a monthly
basis. The estimated rate of profit is given below.

SLABS RATES EFFECTIVE FROM 01.01.07
Rs 0.5(M) to less than Rs 5(M) 5.00%
>Rs 5(M) to Rs 25(M) 6.00%
>Rs 25(M) to Rs 50(M) 7.00%
>Rs 50(M) to Rs 100(M) 7.50%
>Rs 100(M) to Rs 250(M) 8.00%
>Rs 250(M) to Rs 500(M) 8.50%
Rs 500(M) and above 9.00%
SALIENT FEATURES:
 The applicable profit rate would be based on slabs of amounts maintained on average
monthly basis and the profit credited in the account on monthly basis.
 Individuals, firms, companies, schools, hospitals, charitable organizations and non-
government organizations etc are free to open their account in this scheme.
BEHTAR MUNAFA ACCOUNT (BMA):
Behtar munafa account is a profit bearing checking account with the payment of profit on a
monthly basis. The estimated rate of profit is given below.
SLABS RATE (P.A.)

Up to Rs: 5,000,000 5.00%
Rs: 5,000,001 to Rs: 25,000,000 6.00%
Rs: 25,000,001 to Rs: 50,000,000 7.00%
Rs: 50,000,001 to Rs: 100,000,000 8.50%
Rs: 100,000,001 to Rs: 250,000,000 9.25%
Rs: 250,000,001 to Rs: 500,000,000 10.00%
Above Rs: 500,000,000 10.50%
SALIENT FEATURES:

 The applicable profit rate would be based on slab of amounts maintained on average
monthly basis and the profit credited in the account on monthly basis.
 Individuals, firms, companies , schools, hospitals, charitable organizations etc are free
to open their account in this scheme.
BEHTAR MUNAFA TERM DEPOSIT (BMTD):
Allied bank offers following rates in the Behtar munafa term deposit.
AVERAGE MONTHLY 1 MONTH 3 MONTHS 6 MONTHS 1 YEAR

BALANCE
Upto Rs: 5,000,000 6.00% 8.00% 8.50% 9.50%
Rs: 5,000,001 to Rs: 25,000,000 6.50% 8.50% 9.00% 10.00%
Rs: 25,000,001 to Rs: 50,000,000 7.00% 9.00% 9.50% 10.50%
Rs: 50,000,001 to Rs: 7.50% 9.50% 10.00% 11.00%
100,000,000
Rs: 100,000,001 to Rs: 8.00% 10.00% 10.50% 11.50%
500,000,000
Above Rs: 500,000,000 8.50% 10.75% 11.00% 12.00%
MAHANA AMADNI PACKAGE (MAP):
Mahana amadni package is a unique product with attractive returns. It provides an opportunity for
a regular monthly income with a flexibility of placement for 12, 24 and 36 months.
 Minimum amount Rs: 100,000/- (with multiples of Rs: 10,000)

 Profit Payable on monthly basis

 Projected profit rates Up to @ 10.30% per annum
 Eligibility All individuals and instituitions
 Period 1,2 and 3 years
SPECIAL BENEFITS:
 Profit to be credited in the depositor’s PLS saving A/C and can be withdrawn through ATM
free of charge.
 Free transfer of monthly profit to any branch of ABL all over the Pakistan.
S# DEPOSIT PAID BEFORE MATURITY RECOVARY OF PROFIT ALREADY

PAID AND PAYMENT
1. Within 6 months of opening of account No profit wil be paid and profit already
paid will be recovered from principle
2. After 6 months but before completion of 60% of the profit paid will be recovered
12 months or adjusted from the principal amount
5. After 24 months but before the 20% of the profit paid will be recovered
completion of 30 months or adjusted from the principal amount

6. After 30 months but before completion 10% of the profit paid will be recovered
of 36 months or adjusted from the principal amount
ALLIED BACHAT SCHEME (ABS):
Alled bachat scheme is a PLS term deposit scheme based deposit scheme whereby you can
double your investment in just 7.5 years.
 Maturity period 7.5 years

 Minimum deposit Rs: 50,000/- with multiples of Rs: 10,000/-
 Expected rate of profit The deposit amount will be doubled in 7.5 years.
 Eligibility All individuals and institutions
NO: OF YEARS ABL PROJECTED RATES REPAYMENT AMOUNT

0 0 50,000
1 7.00% 53,500
1.5 7.50% 55,625
2 8.00% 58,000
2.5 8.75% 60,937
3 10.00% 65,000
3.5 10.25% 67,937
4 10.50% 71,000
4.5 10.75% 74,187.50
5 11.00% 77,500
5.5 11.25% 80,937.50
6 11.50% 84,500

6.5 11.75% 88,187.50
7 12.00% 92,000
7.5 13.33% 100,000
PREMATURE ENCASHMENT:
No profit shall be paid from the date of issue, if en-cashed before completion of 6 months. In case
encashment take place after 6 months, In case encashment takes place after 6 months, the profit
is to be paid for completed half year on the prescribed rates and 6% for the completed months as
per the projected rates.
ALLIED E_SAVERS ACCOUNTS (ESA):
Allied E-savers account is a unique saving plan where you can earn returns as high as 7.5% with
the flexibility of 4 withdrawals a month.
RATES EFFECTIVE FROM 01.01.07

SLABS
7.5% p.a.
Rs: 400,001 up to 500,000
Rs: 300,001 up to 400,000 6.0% p.a.
Rs: 200,001 up to 300,000 5.0% p.a.
Rs: 100,001 up to 200,000 4.5% p.a.
Rs: 10,000 up to 100,000 4.0% p.a.
ADDITIONAL BENEFITS:

 24 hours phone banking service
 Free internet banking facility
 SMS transaction alerts
 ATM/Debit card for cash withdrawals through any ATM including our largest networks of
ATM’s across Pakistan and for debit transactions at various retail outlets
 First free cheque book – A/C payee only
HUMAN RESOURCES:
RECRUITMENT STRATEGY AND METHOD:
ABL recruits the most deserving and talented people for the service. It recruits those candidates
who really have passion and talent, those who can serve the banking sector the most. So that it
can select the best one from them. The candidates scoring above 3 Gpa in business
administration or commerce or any related field are proposed to apply and come forward.
ABL announces its selection tests by giving advertisements in newspaper. The basis
requirements are mentioned in that, means the requirements for capable candidates are
mentioned in the add. Like the minimum requirement of years of education, percentage of ,marks
, skills etc.Then the interested candidates apply through email or mail and send their Cvs to the
address given.
Then the recruitment staff shortlist the candidates and sends the letter of being short listed to the
most deserving and capable candidates. The date of entry test is mentioned in that letter along
with the roll number slips.
SELECTION STRATEGIES AND METHODS:

ABL’s selection committee checks the papers very care fully and honestly, and selects the most
brilliant candidates who really deserve to be selected. This procedure of selection takes almost a
month. And after a month when result is prepared the short listed candidates are given the date
for interview. Interviews are taken by the senior staff of ABL. The selected candidates are sent
appointment letter within 5 to 8 days. Those candidates who reply Yes in reply of this letter are
selected and given training.
TRAINING:
All the candidates are given training of basic banking for about three months. The most interesting
point in this training are that all the candidates are given salary which is almost 20,000 rupees%,
so this training is almost equalent to job. In this training program all the students or employees
who have come from different institutions and backgrounds are taught banking courses and all
those subjects whose basic awareness is important in the field of banking like finance ,
accounting, computer science , English , the routine work done in banks and many more. The
most efficient bankers and teachers are appointed to train all of them.
At the end of the training all the candidates have to go through an exam , and all those who score
above 90% get the promotion to MG 10 after 3 months of working in bank where as the remaining
ones are all appointed on MG11 at the time of end of training.
INCREMENT AND PERFORMANCE EVALUATION:
All the employees of ABL are given an increment of 10% after every 6 months of period. Bonuses
are also given on every Eid that is equalent to the basic salary of every employee.
The process of performance evaluation keeps on going in banks, special exams and test are
arranged to evaluate employees. And the daily performance evaluation is also done by seniors,
so that those employees who really perform well are given promotions every year.

INCENTIVES, MOTIVATING AND DEMOTIVATING FACTORS:
All the increments given after every 6 months, and all the bonuses on Eids, bonuses according to
daily performance of employees, house building loans, car leasing loans, insurance policies
together become the factors of motivation for the employees.
Where as all the non achievements of these factors become the demotivating factors for the
employees, as well as the long hours of working, the sensitivity of work, and to work by sitting on
a seat all the time really demotivate the employees.
THE SERVICE QUALITY TRAINING GIVEN TO THE EXISTING

EMPLOYEES:
SERVICE QUALITY TRAINING:
Allied bank is focusing on quality customer services to deliver the best customer experience. The
aim of the Service Quality Group is to create Service Awareness across the bank where every
individual has the willingness to help both internal and external customers and provide prompt
services while adopting a personalized approach. To put this in effect, the role of the service
quality group is to conduct service oriented training programs, which would be conducted across
the customer touch points.
In this regard, the service quality group conducted in-house training in March 2008 on Customer
Services for branch staff where Customer Support Officers (CSO’s) were placed.
The participants were the CSO’s, Branch Managers, CSM and Tellers. This training was
conducted in all three regions (Karachi, Islamabad, and Lahore) at there Management
Development Centers and the facilitator was their Training Manager of Service Quality Group.
The Group Head of Service Quality along with the respective Group Heads of CRBG were also
present at each session.

The aim of this training was to develop the skills and knowledge of our frontline staff on delivering
consistent courteous behavior, which would consequently build trust and confidence in ABL’s
customers. The involvement of individuals within the dimensions of service culture was
emphasized through various team building games and role plays.
TOPICS COVERED IN THE TRAINING:
 ABL vision
 How to create the best customer experience
 How to communicate with your customer
 Service Quality dimensions and objectives
 Business dressing and grooming
This initiative was the first step taken by the Service Quality Group towards strengthening
customer relationship and building upon customer loyalty.
LEARNING AS AN INTERNEE:

Duties and accomplishment:
My duties at the bank were of different types. I was rotated in different departments in different
weeks, so that I could get the exposure of different tasks in a bank. But my duties were always
supervised by the employees of ABL so that I do not make any major mistake, as I was an internee
and didn’t go through the training of three months, as all the employees of ABL get before joining
the bank. But still I had to deal with all the matters of the bank under their supervision. My duties
are mentioned as follows.
ACCOUNT OPENING:
During my first two weeks in the bank I did work in account opening department. During my
training in that department I was taught that how to open the account of the customers in the
bank. That whenever a customer comes how he should be explained about the types of accounts
and the benefits provided in each account. My supervisor used to tell me that how to fill the form
of account opening, and which documents are required for opening the account, the information’s
and all.
But I didn’t have the opportunity to enter the accounts opened on daily bases in the software
system because it’s a very sensitive issue and I was not so much trained that’s why I used to only
fill the forms and do stamping on them.
CLEARING DEPARTMENT:
 I also spent two weeks in clearing department. I learned to fill the deposit slips of current
and saving account in this department.
 I also learned to fill the cheques in this department, as most of the customers do not know
that how to fill the cheques and deposit slips ( mostly the labor class and others who do
baking by giving just thumb impressions).
 I also learned to do clearing of inward and outward cheques.

 I learned to make OBC’s
 I learned to make Demand drafts
 AND I also learned to enter the daily inward and outward proceedings in the record
ONLINE TRANSFER OF MONEY:
In this department I learned to make transfer slips and see the online transfer of money from one
branch of ABL to another, I spent one week in this department.
I couldn’t get a chance to transfer money myself online because this is a very sensitive issue.
That’s why I was assigned the duty of filling the online slips of the customers, to tell them about
this facility and solve any of their quires. As online transfer facility is the point on which ABL really
has comparative advantage that’s why a lot many people used to come for online transfer of
money every day and as it’s a new service and people used to have many queries and I had to
solve them ,that’s why it kept me very busy all the week.
ATM’S, CHEQUE BOOKS AND LOCKERS:
I also spent two weeks in this department. I learned to send ATM request, cheques book and
lockers request of the customers. And I also learned to issue them the ATM card, cheques books
and to operate lockers. Whenever any customer used to come to collect his or her ATM, cheques
book then I used to take his sign on the record register, do stamping, write date of issuance,
match his sign with sign card and then provide him his card and cheques book. It was also my
duty to explain him the working procedure, so that if any customer had any query in his mind he
could ask me the details.
It was also my duty to issue lockers, that if any customer used to come to take any locker , it was
my duty to let him operate his locker and note the operating time of his locker, I also used to tell
them about the rents and security of the lockers.

DIVERSE DUTIES:
Apart from the duties mentioned above, in the last week of my internship, I had to perform some
other duties as well. Calling was one of those duties. It’s manual checking of the record produced
by the computer pertaining encashment, transfer and collection of cheques and other instruments
like deposit slips and online slips.
I also had to do arrange the cheques in the evening.
One of my duties was also to do phone calls to customers to remind them about their ATM cards
and cheque books.
I also had to do customer care service, means if any customer had any query about any procedure
or if he wanted information regarding any account then I had to explain him all the procedure.
NEW KNOWLEDGE ACQUIRED:

ISSUENCE OF CHEQUE BOOK:
Whenever a person opens an account with ABL, then he is issued a cheque book which is free
of cost. But for his purpose he has to fill a requisition slip, and then after about four days of opening
of account he gets his cheque book, which comes from Karachi.
There are two types of cheque books:
 The first type of cheque book has 50 leaves.

 The second type of cheque book has 25 leaves.
There is also another requisition slip inside each cheque book, which is used for the purpose of
reissuence of a new cheque book if the leaves of first cheque book start finishing. There is written
the title of account holder, his account number, the stamp of Allied bank and the signatures of the
authorized person on every page of cheque book and also on the requisition slip.
ACCOUNT OPENING:
Account opening is one of the most interesting things which I have learnt in ABL. To open the
account of any person an account opening form is made fill by him. This form contains:
 A signature card
 Requisition slip
 The main account opening form
 Acknowledgement
 Know your customer profile
 ATM application form

These all forms will be filled by the customer and following things will be required from the
customer to attach with this form:
 A copy of NIC
 A copy of job evidence or contract or student id card copy (house wives do not need to
submit this)
If the customer wants to change his signature on the account opening form then he has to fill
another form.
 Undertaking form
This form contains the request of the customer to change his signature and both signatures, the
first one which he has done on his NIC and the other one which he has done in his account
opening form.
One the person completes these forms then his account is opened, the account opening officer
gets this form signed by CSM officer and the Manager of the bank. Then the account opening
officer enters the account opened in the software system. He also scans the Signature card, and
gives the Requisition slip and ATM request form to the officer responsible for issuance of Cheque
book and ATM. And attaches a Letter of thanks with the remaining forms and now the person is
an account holder of the bank.
The minimum amount of money for opening account is Rs: 100, which has to be deposited by the
customer at the time of account opening.
Those people who are not literate do not need to do a sign; they can give their Thumb impressions
instead of Signatures.
But those people who do signature in Urdu or give thumb impressions instead of sings are not
issued ATM cards and they also have to submit a photograph during account opening as well,
but those ladies which do Pardah need not to submit the photograph.

After a few days the Bank send or mails another copy of Letter of thanks to the customer as well.
ZAKAAT:
The deductions of Zakaat from the account of Muslims are made on the 1st Ramadan according
to the Islamic rate. But the people who do not want the bank to deduct Zakaat and want to disburse
it at their own, they have to provide an affidavit on a prescribed format provided by the bank.
CLEARING DEPARTMENT:
There are two types of clearing:
 Inward clearing
 Outward clearing
OBCs
CLEARING CHEQUES
This department receives the cheques and other negotiable instruments drawn on local
branches of other banks. NIFT has a clearing house, in which cheques and other
negotiable instruments are brought by each local bank representative and the claims of
each bank on other is offset and a settlement is made by the payment of difference.
Clearing system is helpful for both the customers and bank in saving money, time and
labor.
PROCEDURES
The cheques and drafts come to branch from different banks. They enter the particulars of the
cheques on a register. After this process the balance with total drafts and total amount are given
to the representative. ABL works under the rules and regulations prescribed byf State Bank of
Pakistan (SBP) and has an account with SBP. The clearinghouse of SBP (NIFT), through whom
branches forward/receive-clearing cheques along with a schedule conducts clearing. The clerk of
forwarding branch prepares the schedule and vouchers of all the clearing cheques, which he

receives by the clerk on that day and sends these cheques to the checking officer. Checking
officer passes these cheques and vouchers by his initials, endorsement stamp and branch special
crossing stamp. Clerk posts the contra entries of these vouchers in the clearing register.
Representatives’ banks collect these cheques. Next day at 8:30 A.M. representatives of all local
banks and foreign banks exchange their cheques, which are drawn on their banks.
The clearinghouse debits/credits the payee/receipt branch with the total amount of the cheques
paid on their behalf. The settlement of book entries e.g., if ABL is to give Rs. 2 Million to ASKARI
BANK and ASKARI BANK has to give Rs.1 million to ABL then ABL will draw a cheque of 1
Million in favour of ASKARI BANK. SBP will debit this amount from ABL account and credit of
ASKARI BANK account. In this way mutual cross debiting and crediting in the books of SBP settle
obligation of banks.
PAK ACCOUNT
All the inter-bank adjustments will be affected through head office account called Pak account. It
will be essential for the branch to advise pak account of each transaction so that they may also
pass the necessary entries in their books. The NIFT will send a consolidated debit/credit advice
to the branches in respect of clearing cheques delivered to or received from the branches. The
amount of the advice will agree with the total amount appearing in the schedule of cheque
delivered/received. The head office will similarly send advice to the branches of the returns, if any.
Copies of all advices will be sent to the head office.
INTER-BRANCH CLEARING AND COLLECTION
Branch receives the cheques and other negotiable instrument drawn on other branches of the
same bank. Main branch of ABL handles the transfer and delivery of cheques. The same clearing
cheque procedure will be adopted in the transfer deliveries except in case when the facility of
SBP is not availed. In case of cheques drawn on one branch and collected by an other branch for
the credit of its constituents, the branch delivering the cheques will send a consolidated debit
advice. If any cheque is returned unpaid, a credit advice will be sent to the branch returning the
cheque.

COLLECTION CHEQUES OR OBCs
The collection cheques/OBCs are the cheques, which we have cleared for our customers when
some of our customers receive the cheque that is of some other city. These types of cheques are
known as collection cheques or the other name we gave them is OBC
PROCEDURE OF COLLECTION
On the cheque there is written that the person to whom it may concern can cash it from
the certain branch of the bank in favour of which it’s drawn. The customer presents the
cheque to his branch, which send a document called “OBC” to the bank that has to make
the payment. The clearing department of the receiving bank follows a prescribed
procedure and credits the amount to sending bank through a central account maintained
by each bank with SBP.
ABL sends the cheque to it’s own branch if available for collection from the payer’s bank
otherwise the OBC is directly sent to other bank.
MAINTAINING REGISTER for OBCs
We have a register in which we have the serial no for OBCs with other details like amount, date,
sending and receiving branches’ codes. Every OBC is entered in that register on daily basis.
If OBC is not cleared due to what ever fault, we take it back as a return but after that we call the
concerned person and we also write name of the person.
ONLINE TRANSFER:
Online transfer is a very interesting department as well. Any person who wants to transfer some
amount from minimum 500/- to 500,000/- from one branch of ABL to another branch of ABL can
transfer the amount within minutes. The fee charged for this service for within city is Rs: 120/- and

inter city is 315/-.The only thing which i had to do was to fill the slip of online transfer in which the
most important coloums were;
 Name and code of remote branch

 Title of the remote account
 Account number of remote account
 Applicant’s name
 Amount to be transferred in words
 Amount to be transferred in numbers
 If cheque is submitted then the number of cheque
 A copy of NIC (only if the person is not the account holder of the bank)
Then the person submits the cash and slip on the counter and the cash is transferred to
the remote account within seconds by entering the data in the software system. This is
what I have learned in the online transfer department.
PROBLEMS ENCOUNTERED:
 The biggest problem I had to face during my start of internship was the NEW
ENVIRONMENT. In the beginning I felt very hard to mix with the employees of the bank.
As all of them were a kind of strangers for me that’s why I couldn’t feel comfortable in the
very first week. Basically it was all because of being in a new place. But after a week I
started adjusting with them and after two weeks I also felt that Iam a part of this bank.
 The second problem was that I had to be very formal there, like as we are very casual and
free minded in university life, but when I was in the bank , I really felt that I have to be very
formal all the time.
 Then another problem which I really faced was the hectic routine of the bank. I had to go
n time, work or at least to sit on a single place from 9 to 5 and be formal and present
minded all the time without being non serious. And as all the customers used to come for

things related to finance, which is a very sensitive issue that’s why I had to be very
attentive all the time and no holiday on Saturdays.
 The knowledge which we acquired through our books is very different from the practical
knowledge that’s why I really had to learn a lot many new things every day. And all those
things which we have studied in our books in the form of different theories when I had to
apply them practically it was not so easy at the first time at least.
HOW EXPERIENCE IMPACTS MY CAREER:
By doing internship for eight weeks in Allied bank limited I have gained a lot of practical experience
of doing work, which was really different from the experience of student life. By doing internship I
really gained the knowledge of banking sector, which I didn’t found so easy, I have learnt the
meaning of responsibility, time management, and professionalism. Because of this experience
now I can decide well that should I opt to join banking field or should go for another one.
The real thing which I gained by doing this internship was the confidence and knowledge, the
confidence and knowledge which we gain from our student life is far more different from this one,
because whenever I used to talk or deal with those bankers who are in banking sector from more
then a decade they used to give me a lot of knowledge to deal with daily routine matters of banking
sector.

Whenever I used to interact with such highly professional bankers, I used to hesitate in the
beginning but with the passage of time I also gained that much confidence and a little knowledge
that I could interact with them more sense ably.
In the beginning really it was very difficult for me to interact and work with such formal people in
such a formal environment but as I said that I really leant to work with them and talk to them with
the passage of time and now I think I will not find any difficulty in at least understanding the
environment of organizations and offices when I will start my job in near by future. I also feel that
I have also understood the basic culture and environment of professional life which is very
important to understand for doing any kind of job.
Now I really feel that the knowledge which I got by working n ABL for eight weeks will be really
helpful to me in future, as I have got the experience of General banking during my student life in
my vacations from university. This experience will also help me in getting a goob job in near future
because now at least I have some experience of work.
BIBLIOGRAPHY AND REFRENCES
 www.abl.com.pk
 www.google.com
 Interviews with Bank Staff

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TABLE OF CONTENTS

No: Titles Page no

20 HOW EXPERIENCE IMPACTS MY CAREER 71

LAHORE GARRISION UNIVERSITY pg. 1

LAHORE GARRISION UNIVERSITY pg. 2

 To become a dynamic and efficient bank providing integrated solutions in order to be

 To provide value added services to our customers

LAHORE GARRISION UNIVERSITY pg. 3

LAHORE GARRISION UNIVERSITY pg. 4

A NEW PHASE IN 1991:

Emphasis value addition and special quality.

LAHORE GARRISION UNIVERSITY pg. 5

Islamabad Stock Exchange 8th August 2005

LAHORE GARRISION UNIVERSITY pg. 6

SAFE DEPOSIT LOCKERS INSURANCE:

Serial Locker size Annual locker rent Maximum loss

2: Medium Rs. 2000/- Rs. 1,000,000

3: Large Rs. 4000/- Rs. 1,500,000

LAHORE GARRISION UNIVERSITY pg. 7

ALLIED CASH + CARD:

 Round-the-clock cash withdrawals:

LAHORE GARRISION UNIVERSITY pg. 8

Comprising last 8 transactions can also be obtained from the ATM.

 Utility bill payment facility:

 Funds transfer facility:

 ABN AMRO BANK

LAHORE GARRISION UNIVERSITY pg. 9

LAHORE GARRISION UNIVERSITY pg. 10

LAHORE GARRISION UNIVERSITY pg. 11

TRAVELLERS CHEQUES _ ABRTC:

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

VISA CREDIT CARD:

LAHORE GARRISION UNIVERSITY pg. 12

THE TYPES OF ACCOUNTS AND PACKAGES OFFERED BY

The different types of accounts offered by ABL are :

 PLS saving account (profit and loss saving account):

LAHORE GARRISION UNIVERSITY pg. 13

PLS SAVING DEPOSIT:

 Attractive return up to 1% per annum

ALLIED BUSINESS ACCOUNT:

 Minimum average balance Rs:10000/- monthly

LAHORE GARRISION UNIVERSITY pg. 14

SWOT Analysis is the abbreviation of for words:

LAHORE GARRISION UNIVERSITY pg. 15

 NETWORK OF 757 BRANCHES

LAHORE GARRISION UNIVERSITY pg. 16

 CUSTOMER CARE CENTRE:

 SAME ACCOUNT NUMBER FACILITY

LAHORE GARRISION UNIVERSITY pg. 17

 LOW INTEREST RATES:

LAHORE GARRISION UNIVERSITY pg. 18

 LOW PRODUCT CREDIBILITY

LAHORE GARRISION UNIVERSITY pg. 19

LAHORE GARRISION UNIVERSITY pg. 20

 TRADE ,INDUSTRIES AND STOCK EXCHANGE:

LAHORE GARRISION UNIVERSITY pg. 21

 MOHAMMAD NAMEEM MUKHTAR

 MOHAMMAD AFTAB MANZOOR

 PERVAIZ IQBAL BUTT

LAHORE GARRISION UNIVERSITY pg. 22

Senoir Executive Vice

Senoir Vice President(SVP)