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HALEEB FOODS LIMITED:

HFL is now one of the fastest growing packaged food companies in Pakistan. It
is a private limited company. It started commercial production in July 1987.
Due to consistently superior performance, it had achieved undisputed
leadership in the liquid packaged milk category with a market share of over
52%. HFL has a very strong brand portfolio consisting of dairy as well as non-
dairy products. Haleeb Foods has segmented its product portfolio in 3 leading
brands including Haleeb, Yogurt, and Good Day. Due to its strong positioning
of the thickest milk for best tea, it has the highest top of mind awareness and
penetration in the dairy industry of Pakistan. HFL has one of the largest
nation-wide distribution networks delivering high quality products, even in the
remote areas of Pakistan.
Haleeb Foods is the only food company in Pakistan that has the following
international certifications of quality and prestige:
• HACCP (in process controls for safer products)
• ISO 9001 – 2000 (better quality for greater customer satisfaction)
• ISO 14001 (environment-friendly operations)

FACTORS AFFECTING THE PERFORMANCE OF HALEEB FOODS

LIMITED:

HFL has recorded an annual Turnover/ Loss of Rs.9.3 Billion (F2010). There
are various external and internal factors which are affecting company’s
performance. External factors include political, social, economical and
technological factors.

The political arena affects the industries of any country. Unfortunately in

Pakistan, political environment is not sustainable which causes a bad effect on
almost all the industries. As Haleeb is Pakistani national brand and it belongs
to Pakistan so it is not saved from the political changes in the external
environment. Political changes are directly linked with the national level
strategies which directly affect the business sector seriously. The impact of
political environment on HFL is that Tetra Pak exerts undue power as the
Tetra Pak is the main supplier of the milk packaging machines. Tetra Pak
deliver the machines on its own term and condition. The reason behind that
Tetra has strong links with our Government and when any other outsider
wants to enter in Pakistani market they create various types of hurdles. There
is selective investment in the company due to uncertain political situations.

Most considerable point for any industry is the economic condition of the
country. If a country is economically strong then there are chances of growth
in each sector. The inflation is very high. It directly disturbs the customer
purchasing power. The packaging milk as a human necessity is getting

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expensive and customers always look for low rate available in loose shape on
shops. In this situation Haleeb Foods has to work on the best marketing mix so
that it can increase its sales revenues.
Social trends and the demographics are the key elements that are taken in
consideration to do business in any country. Now a day’s people are becoming
more status conscious so they prefer and demand for good taste and quality
which fulfill their daily requirements. People today want good quality products
which are best value for money. Nestle and Engro Foods are providing highly
quality products which divert the attention of customers from Haleeb products.

The modern technology has changed the way people think as well as the way
people live. Haleeb foods as compare to Nestle has less introduced
technological advanced products which ensures high quality, that’s why the
profits of the company has reduced.

There are many internal factors which are affecting the performance of the
company. Firstly, it is a relatively a small and local company in comparison to
its rivals. Secondly, Haleeb Foods is Depending on 3rd party for supply of
milk, which puts undue terms and conditions which increase its cost of
production. Thirdly, Low sales margins due to highly value added products
and no credit sales. Fourthly, company cannot launch many of its expensive
international brands due to the lower income groups. Fifthly the company
didn’t conduct proper market research and the feasibility of new products
didn’t analyze which badly affects the financial performance of the company.
E.g. Candia Drinking Yogurt was launched some years back but it failed
because no customer demand exists. The packing line installed for N'Rish has a
higher capacity than the actual demand of the product, resulting in higher
overhead costs for the product. Sixthly, there is inadequate marketing as
compare to its competitors. Haleeb is offering low promotional activities.
Haleeb foods have comparatively weak distribution system.

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SONERI BANK LIMITED:

SONERI BANK was incorporated in September 28, 1991 as a public limited company
under the Companies Ordinance 1984 with a Paid up Capital of Rs 300 million. The
first Branch of Soneri Bank Limited formally opened doors for banking operations in
Lahore on April 16, 1992 followed by Karachi Branch on May 09, 1992.The bank is
engaged in commercial banking and related services as defined in Banking
Companies ordinance 1962. Over the last 17 years, the bank has achieved sustained
growth with a network of 153 branches (up to 2010) spread all over Pakistan
including the Northern Areas of the country where no other private bank has ventured
so far. Expansion of branches is based on a policy of maintaining a balance between
the urban and rural areas with a view to offering services even in the remote areas of
Pakistan. Pleasant and sophisticated atmosphere has been provided in the branches
which are all fully air-conditioned and computerized.

FACTORS AFFECTING THE PERFORMANCE OF SONERI BANK

LIMITED:

SONERI Bank has recorded loss after taxation is Rs.186, 353 (in 000’s) for 2010. The
main internal factor which affects the financial performance is the lack of aggressive
advertisements and promotional strategies. Soneri bank has formulized a lot of
products and services for its customer, even more than other commercial banks. But
there is no effort to publicize this properly on electronic media. Soneri bank's major
competitors are all showing keen focus on large media campaign. The second major
factor which is affecting the performance of bank negatively is that some of the
employees are over burdened with the work; there is lack of work division. There is
one officer is available to handle two or more department's responsibility. Fewer
incentives are offered due to which the employees are de-motivated and are trying to
do job in another bank. The bank should emphasize much on computer technology.
Soneri bank has comparatively less online services. Bank should also concentrate on
E-banking and use of ATM. Moreover, bank should also emphasize on enhancing the
information being displayed on its website.

External factors like uncertain political and economic environment greatly effecting
performance. There is less investment in the sector. Soneri bank is facing a strong
competition by its major competitors; Union Bank, Askari Bank, Bank Alfalah.
Business of these banks is also growing at very high pace. Competitors are adopting
competitive strategies to take lead in market share and Soneri is left behind in the race
of competition.

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GOHAR TEXTILE MILLS:

Gohar Textile Mills was incorporated in 1993 in the most renowned textile city of
Pakistan i.e. Faisalabad. Ever since its formation it is exporting its total production to
the International Markets. Gohar Textile Mills (pvt) Ltd is a group that is expanding
from a modest base on a very consistent & practically enviable growth rate. Gohar
Textile Mills are a supply partner for businesses who value the quality and like to
enjoy it on a consistent basis.
Gohar Textile Mills produced different high quality export oriented products to the
International market. These are as under.
• Quilts (Comforters)
• Bed linen
• Kitchen linen
• Processed fabrics
• Grieg Fabrics

FACTORS AFFECTING THE PERFORMANCE OF GOHAR TEXTILE

MILLS:

Factors affecting the financial performance of the company are: the production cost is
high because of not properly utilization of its resources. There is centralized decision
making. The decisions are made by the upper management and they have no proper
idea about the situation and their decision can be not fruitful for the company. There is
weak image in the international market, because of the other textile specialized
countries like China, Bangladesh etc providing cheap product to the market then
Pakistan’s textile industries. There are less promotional activities and ads campaigns.
There is Lack of benefits and rewards for the employees. Some facilities that other
providing to their employees likes Transport and medical fee etc Gohar Mills is not
providing to their employees because of which the productivity of the employees
decrease.

External factors are also affecting the performance of Gohar textile Mills, factors are
the Buyer needs demands changes. Because of the research and development the
design and the product of Gohar is just satisfactory as compare to competitors in the
globally and they are not fulfilling the demand of customer. Political instability effects
the Gohar because of the quota system the company can be restrict by the government
to export. Government policies are changing day to day so it is a threat for the Gohar
to survive in such a changeable situation. Because of the economic instability the
Gohar affected a lot. Dumping system which is rising on daily basis in the world can
create many problems for the company and any uncertainty in the world like 9/11
may affect also the overall export.

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THE BANK OF PUNJAB

The Bank of Punjab was established in pursuance of The Bank of Punjab Act, 1989.
The scheduled bank status was given by the State Bank of Pakistan on September 19,
1994. The bank is listed on Lahore, Karachi & Islamabad Stock Exchanges. The
majority shares of the bank are held by Government of the Province of the Punjab. The
Bank has fully owned subsidiary M/s Punjab Modaraba Services (Pvt) Ltd, which is
profitably managing a modaraba company.

Bank enjoys substantial shares in economic growth, especially of

agricultural and SME sectors. Penetration into Agri-economic was made possible
through strategic positioning of braches and introduction of a number of Agri-based
financing schemes allowing the bank to play a pivotal role in strengthening this sector
of our economy.

FACTORS AFFECTING THE PERFORMANCE OF THE BANK OF

PUNJAB:

BOP has not been releasing its financial statements since last 3 years because
of heavy loss. There are various internal as well as external factors which are
affecting its performance. Mostly branches are not fully equipped as per the
requirement of the banking system. They are still having manual system like
token system, no ATM facilities in all branches etc. they have no proper
advertising strategy to attract their customers. They do not introduce their
schemes on time. Another major factor affecting its performance is
dissatisfaction of their employees. There are more employees in a branch
means over staffing. Employees are dissatisfied due to low compensation
packages comparing to other jobs. There is no proper division of work. There is
burden of work on a single employee in mostly branches. They are facing huge
loss due to big fraud of Rs.9 billion by its ex-president Hamesh khan. They have
issued loan of Rs9 billion to Haris Steel without collateral.

External factors like no adoption of technology. As competing banks are tech-

based strategies to attract the customers but BOP is still manual. Another
major factor is policies of government that really affects the BOP’s operations.
The competing banks in private sector opt the competing strategies which
attract the customers but BOP is not in the position to compete its competitors.

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ALLIED BANK LIMITED

ABL is one of the largest banks of Pakistan. It was established in 1942 before
independence. Now it has 757 branches in all over the world. In August 2004, its
ownership was transferred to Ibrahim Group. Established in December 1918 with the
name “Australasia Bank” with a paid-up share capital of Rs. 0.12 million. Australasia
Bank was the fully functional Muslim Bank on Pakistan territory on August 14, 1947.
It was severely hit by the riots in East Punjab. Some branches were closed in India and
opened in Karachi, Sialkot and Peshawar etc. in May 2005 Ibrahim Leasing Limited
(ILL) was amalgamated and vested in Allied Bank Limited. Today ABL’s paid-up
capital & Reserves amounted to Rs. 10.5 billion, deposits exceed Rs. 143 billion and
total assets Rs. 170 billion.

Factors affecting the performance of Allied Bank limited:

ABL has recorded an annual profit of Rs.3260 million (30 September 2010).
There are various external and internal factors which are affecting the
company’s performance. External factors include political, social, economical
and technological factors.
The political is the major factor that affects not only banking sectors but all the
industries in Pakistan because political environment is not sustainable. This
political era also helps in designing best strategies to compete with the rival in
the banking industry. Like in this era of nationalization banks had to suffer a
lot. The other most valuable aspect is the economic growth of industry in the
country. Banking sector is stronger at early stage then it is necessary the
country must be strong. Due to the cost structure advantage, it indicates
commercial owned banks are large enough and private sectors banks have cost
saving advantage as well. Socially ABL always helped people in improving of
living condition of poor people in various form like giving loans to poor for
starting business etc.
Lastly the technology has a greater impact in the banking sector because this
has experienced a rapid growth. Due to multi-national banking (ATM, net
banking and tele-banking etc.) and individual information, banks can attract a
large number of potential customers and elite classes as well. The modern
technology has changed the way of people think as well as they live that’s the
basic reason that the banking sectors innovating day by day. Some of the ways
in which different ion can be introduced are through specialization, new
products, and increasing the added value.
Some internal factors also affect the performance of the company like it is an
organization that wholly depend the loans and interest received from its
customers. That the bank must introduced new and innovative products and
services which satisfy its customers as a whole.

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Ufone Cellular Company

Ufone is newly cellular company as compared to others like Moblink, Zong
(Paktel), Instaphone operating in Pakistan, providing cellular services for Elite
years now. Ufone services are offered by Pak Telecom Moblink Limited
(PTML), a 100% owned subsidiary of Pakistan Telecommunication Company
Limited (PTCL). Established to operate cellular telephony. The company
commenced its operations, under the brand name of Ufone, from Islamabad on
January 29,2001 and subsequently extended its coverage to other cities i.e.
Lahore, Karachi, Sheikhupura. In addition to the road coverage on Peshawar-
Islamabad-Lahore section. Till now its coverage has been extended to more
than 750 cities. In Peshawar its operations were started on 7 th of May, 2001.
Ufone, the brand name of the service, has been a highly successful venture
touching 120000 subsidies in less than month of its operations.
Factors affecting the performance of ufone:
Ufone cellular operator full-year revenues were recorded of Rs.54 billion (in
year 2010). There are various external and internal factors which are affecting
the company’s performance. External factors include political, social,
economical and technological factors.
The first concern is related to environment in which Ufone is introducing new
and innovative products for its customers like; customer packages, value
added services, corporate packages and services. Due all these there is an
increase of 41.1% in its growth.
Social trends and the demographics are the key elements that are taken in
consideration to do business in any country. Now a day’s people are becoming
more status conscious so they prefer and demand for quality services and
innovative products which fulfill their daily requirements. Today the people
are brand conscious, demanding best quality services, due to all these Ufone
made a lot of joint ventures which enhances its market share by 56%.
Technology is a major part of any industry to grow. In this regard ufone is
emerging a lot of day and night packages which best suit not only the
youngster but equally benefits to the ladies and business class. Technology has
changed the way of people thinking as well as they live, so innovative products
and services playing a vital role in its profitability. In Pakistan there is a
political instability that some time decreased the company performance and
ultimately its growth and profit also.
There are many internal factors which are affecting the performance of the
company like; diversified nature of the higher management, industry
competitors and also the company fragmented nature of ownership etc. Other
things affect performance are; it is a wholly owned subsidiary of some other
cellular companies, its target market is youth not all the people as well etc.

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BIBLIOGRAPHY

• http://www.scribd.com/doc/39332686/Usman-Internship-Report

• http://www.scribd.com/doc/31300657/Internship-Report-on-Gohar-Textile

• http://amcy5.com/Reports/internship/amcy6.htm

• http:// www.soneribank.com

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