internship on abl bank
TRANSCRIPT
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1. Internship Report On
2. Allied Bank of
Pakistan3. Khyber Bazaar Branch Peshawar
4. (0312)5.
6.7.
8. Internship report submitted to the Institute of
Management studies, University of Peshawar to
full fill the requirements of
9. BBA-IT (Hons) DEGREE
10.11. By
12.
13.
14. BB!I"15.
1#. $ession% 2004!200&
1'.
18.
19.
20.
21.22. INSTITURE O !"N"#E!ENT STU$IES
23. UNIVERSITY OF PESHAWAR
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27.
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36.
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46. Most Merciful and Compassionate the Most
Gracious and Beneficent whose help and guidance I
always
47. Solicit at eery step! at eery moment.!.
".
50.
51.
52.
#3.
54.
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57.58.
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62.
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#4. BR* P$*/R
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'1. $PRI$ B, !!!!!!!!!!!!!!!!!!!!!!!!!!!!!
'2.
'3.
'4. $I"IO !!!!!!!!!!!!!!!!!!!!!!!!!!!!!
'5.
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''. $I"R !!!!!!!!!!!!!!!!!!!!!!!!!!!!!
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&. $I"IO !!!!!!!!!!!!!!!!!!!!!!!!!!!!!
0.
1.
2. $I"R !!!!!!!!!!!!!!!!!!!!!!!!!!!!!
93.
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104.
$%#.TAB&E OF 'ONTENTS
106.
107. S.No. 108. Topic 109. Pag
e
No.
110. 111. Preface 112. vi
113. 114. Acknowledgement
115.
116. vii
11'. hapter.
o 1
11&. Intro78ction to report
11.120. 1.1 Backgrond of t!e "td#
121. 1.2 Pr$o%e of t!e "td#
122. 1.3 &atre of t!e "td#
123. 1.4 "co$e of t!e "td#
124. 1.5 'et!odolog# of (e%earc!
125. 1.6 )imitation%
126. 1.7 "c!eme of t!e (e$ort
127. 8128.
129. 9
130. 9
131. 10
132. 10
133. 11
134. 12
135. 13
136.137. hapter.
o 2
13&. Intro78ction to or9anization
13.140. 2.1 *i%ion
141. 2.2 'i%%ion
142. 2.3.*ale%
143. 2.4 'eaning +f Bank
144. 2.5 'eaning of Banking
145. 2.6 ,i%tor# of AB)
146. 2.7 -m$ortant "tati%tic% aot AB)
147. 2.8 'ain +/ective
156. 14157.
158. 15
159. 15
160. 15
161. 16
162. 16
163. 17
164. 20
165. 20
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148. 2.9 +$erational ivi%ion
149. 2.10 'anagement ,ierarc!#
150. 2.11 nctional ,ierarc!#
151. 2.12 Board of irector%
152. 2.13 'anagement eam
153. 2.14 "ervice% of A))- BA& )td154. 2.15 (ole of AB) in Banking "ector
155.
166. 21
167. 22
168. 23
169. 24
170. 25
171. 261'2. 31
1'3. hapter.
o 3
1'4.
1'5.
1'#.
1''.1'&.
179.
180. S.No
1&1. Intro78ction to 7epart:ents182.
183. 3.1 AB) !#er Baaar Branc!
184. 3.2 rrent "aving e$artment
185. 3.3 Accont e$artment
186. 3.4 Advance e$artment
187. 3.5 (emittance% e$artment
188. 3.6 a%! e$artment189. 37 oreign rrenc# e$artment
190. 3.8 learing e$artment
191.
192. Topic
193.
194. 35
195.196. 36
197. 36
198. 38
199. 40
200. 43
201. 45202. 45
203. 46
204. Pag
e
No.
205. hapter.
o 4
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243. 6.8 -nformation Acce%%
244. 6.9 Performance Adit
245. 6.10 am$aign for -ncrea%ing t!e
e$o%it%.
246. 6.11 (elocation of Branc!e%
247. 6.12 -ncrea%e% in B%ine%% "!are248. 6.13 A' &etwork Prolem
249. 6.14 a%! e$o%it% %ing A'.
250. 6.15 &etworking Among Bank%.
251. 6.16 'anal voc!er% %#%tem.
252. 6.17 +nline loan%
253.
263. 77
264. 78
265. 78
266. 78
267. 80
268. 80269. 80
270. 81
271. 81
272. 81
273. 2'4. Bib;io9raphy
2'5.
276. 82
2''.
2'&.
279.
280.
2&1.282.
283.
284.
285.
286.2&'. PR=
288.
289.
290. This Report is specially meant for the student of BBA-IT (Hons. It is
concerned to a !rief study of the operation" #unction" tas$s and ser%ices of
Allied Ban$ of &a$istan.
291.
292. Ban$in' play %ery important role in the commerce and economic de%elopment
of a country. o)-a-days !an$s are usin' different modern technolo'ies"
)hich influence the mana'erial acti%ities" that*s )hy I decided to do myinternship Trainin' in the !an$.
29+.
29,. In preparation of this Report is ha%e tried my !est to pro%ide all &ossi!le
information a!out the operation" function and tas$s of AB in !rief and
comprehensi%e form. It also includes a !rief department )or$ed durin'
internship. I ha%e also tried my !est to use simple and easy )ords and
lan'ua'e.
29.
29/. Then internship report ends )ith some recommendation after identification of
some pro!lems o!ser%ed durin' the course of internship.
29.
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29.
299.
+00.
+01.
+02.
+0+.+0,.
+0.
+0/.
+0.
+0.
+09.
+10.
+11.
+12.
+1+.
+1,.+1.
+1/.
+1.
+1.
+19.
+20.
+21.
+22.
+2+.
+2,.
325.
32#. KO/+6"
32'.
+2. All praise to Almi'hty Allah" the most merciful and compassionate" )ho 'i%e
me s$ills and a!ilities to complete this report successfully
+29.
++0. I am 'rateful to my parents )ho are al)ays !een a source of encoura'ementfor me throu'hout my life and from start to the end of this report
++1.
++2. I am than$ful to all my staff mem!ers so Allied Ban$ f &a$istan imited
3hy!er Ba4aar !ranch &esha)ar.
+++.
++,. I found e%ery one %ery co-operati%e and helpful for pro%idin' me the
Theoretical as )ell as practical $no)led'e a!out the function and operation
of the !an$.
++.
++/.
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315.
344.
345.
34#.
34'.
34&.34.
350.
351.
352.
353.
354.
355.
35#.
35'.
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384.
316.
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22.
23.
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25.26.
27.
28.29.
30.
31.32.
33.(. 6h+pt*r 7 I
35.36.
(-. I)tro8uct3o) toR*port38.
39.
0.41.
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315.
385.
386.387.
388.
389. hapter 1
30. I"RO"IO "O RPOR"
31.392.
1.1 BKRO O= "* $",
393.
394. !e %td# i% aot t!e general o$eration% and management of Allied Bank
)imited !#er Baaar ranc! Pe%!awar and foc%e% on t!e online anking andA' ;Atomated teller mac!ine
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315.
404. "$ecific $r$o%e of t!e %td# inclde%.
A $artial flfillment a% a re>irement for t!e com$letion of 'BA degree in
Banking and inance "ector.
o o/ectivel# o%erve t!e o$eration% of Allied Bank of )td in general and t!eo$eration% of AB) "c!eme ? 2 arid own "a!iwal in %$ecific.
o make recommendation% or im$lementation $lan% for t!e im$rovement of t!e
o$eration% of AB) "c!eme ? 2 arid own "a!iwal in t!e lig!t of or
$rofe%%ional %tdie%.
405.
1.3 "R O= "* $",
406. !e %td# i% critical in natre. -t wa% condcted to inve%tigate criticall#
into t!e o$eration% of Allied Bank )td and it al%o e=$lain% t!at !ow AB) $rovide%
facilitie% of online anking to it% c%tomer%. !e annal re$ort% or t!e
con%olidation data of t!e Bank !a% not een foc%ed in %$ecific eca%e it doe%not reflect on t!e o$erational $erformance of ranc!e%. ,owever t!e# !ave een
referred to a% w!en and w!ere re>ired.
407.
1.4 $OP O= "* $",
408. !e %td# cover% two area% wit! it% variale% w!ic! affect% t!e o$eration%of t!e ranc! directl# or indirectl#. !e%e two area% of variale% are@
409.
Branc! %$ecific variale.
Bank %$ecific variale.
410.
411. !e ranc! %$ecific variale% are t!e variale% nder t!e control of t!e ranc!
management and directl# affect it% o$eration% e.g.412.
)a#ot of t!e ranc!.
%tomer% relation%.
e$artment% in t!e ranc!
A'
+nline anking.413.
414. !e ank %$ecific variale% are t!o%e variale% w!ic! are not in control of t!eranc! management e.g.
415.
,i%tor# of AB)
316.
31'.
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315.
"ervice% $rovided # AB)
(ole of AB)
1.5 6"*OO+O, O= R$R*
416. !e re%earc! met!odolog# ado$ted wa% a% follow%417.
1.5.1. ata $o8rces
418. Bot! $rimar# and %econdar# !ave een %ed in t!e com$ilation of t!i%re$ort. !e met!odolog# %ed i% a% nder@
419.
420. ring t!e com$ilation of t!i% re$ort - relied mainl# on t!e $rimar# data. !etool% %ed for t!e collection of $rimar# data are interview% and o%ervation. o
get $rimar# data - al%o $erformed %ome $ractical work. !e %econdar# data wa%
mainl# %ed for a% a ackgrond material and for $r$o%e of reference%. !e
ma/or %orce% of %econdar# data were t!e annal re$ort 2007 ot!er $rintedmaterial of t!e Bank and internet $la#ed a vital role a% a %orce of %econdar# data.
421.
422. 1.5.2. Research pproaches
423. ee$ing in view m# limitation% dring and t!e natre of t!e %td# two
re%earc! a$$roac!e% were ado$ted. !e%e re%earc! a$$roac!e% are@424.
"rve#.
+%ervation a%.
425. Partici$ant o%ervation and
&on:$artici$ant o%ervation.
426.
42'. 1.5.3. $a:p;in9 P;an
428. etail% of t!e %am$ling $lan %ed dring t!i% re$ort are given elow.
429.
430. 1.5.4. $a:p;in9 nit
431. !e %am$ling nit con%titte% of t!e following.432.
'anager of AB) !#er Baaar ranc!.
"taff of AB) !#er Baaar ranc!.
%tomer%.
Per%onnel from (egional o$eration% de$artment.
A' coordinator%
316.
31'.
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315.
44.
450.
451.452.
453. 1.' $*6 O= "* RPOR"
454. !e re$ort !a% een divided into %i= c!a$ter%. A rief introdction of t!e%e
c!a$ter% i% given elow@
455.
456. hapter 1 !i%
c!a$ter contain% a rief introdction of t!e re$ort.
457.
458. hapter 2 A rief
organiational $rofile and !i%tor# of AB) i% $re%ented in t!i% c!a$ter and
an overview of t!e %ervice% offered # AB) i% given in t!i% c!a$ter
459.
460. hapter 3 !i% c!a$ter contain% rief introdction of different de$artment%461. of !#er Baaar Branc! Pe%!awar on w!ic! - worked.462.
463.
464. hapter 4 !i% c!a$ter e=$lain% t!e :anking %ed # t!e organiation465. . nder t!e !eading% of online anking and atomated eller
466. 'ac!ine ;A'< and w!at %ort of c!ange% e:anking rog!t in
467. managerial activitie%468.
469. hapter 5 -t con%i%t% of "+ anal#%i% of t!e ;AB) !#er Baaar ranc!Pe%!awarivalent to P( 0.431 million in it% fir%t eig!teen mont!% of %ine%%. otal
a%%et% t!en amonted to P( 0.572 million. oda# Allied BankI% $aid $ a$ital
G (e%erve% amont to (%. 10.5 illion de$o%it e=ceeded (%. 143 illion and totala%%et% e>al (%. 170 illion. !e Allied BankI% %tor# i% one of dedication
commitment to $rofe%%ionali%m ada$tation to c!anging environmental c!allenge%
re%lting into all rond growt! and %tailit# envied and a%$ired # man#.553.
554. 2.#.1 142 ! 14'% Pre In7epen7ence
555.556. -n t!e earl# 1940% t!e '%lim commnit# wa% eginning to realie t!e
need for t!e active $artici$ation in t!e field of trade and ind%tr#. !e ,ind% !ad
%ince t!e late 1880% e%tali%!ed a commanding $re%ence in t!e%e area% and
ind%tr# trade and commerce in t!e ndivided ":continent wa% com$letel#dominated # t!em. Banking in $articlar wa% an e=cl%ive enclave of t!e
,ind% and it wa% widel# elieved and wrongl# %o t!at '%lim% were
tem$eramentall# n%ited for t!i% $rofe%%ion.557.
558. -t wa% $articlarl# galling for !awa/a Ba%!ir B= and Adl (a!man 'alik to
!ear t!e gie t!at '%lim% cold not e %cce%%fl anker%. !e# decided to
re%$ond to t!e c!allenge and took lead in e%tali%!ing t!i% fir%t '%lim ank ont!e %oil of Pn/a t!at wa% to ecome Paki%tan in ecemer 1942 # t!e name of
A%trala%ia Bank )imited.
559. !e initial e>it# of t!e Bank amonted to (% 0.12 million w!ic! wa% rai%ed to(% 0.5 million # t!e end of fir%t fll #ear of o$eration and # t!e end of 30t!
316.
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Fne 1947 ca$ital increa%ed to (%. 0.673 million and de$o%it% rai%ed to (% 7.728
million.560.
2.6.2 1947 to 1974: ustra!asia "an#
561.562. A%trala%ia Bank wa% t!e onl# fll# fnctional '%lim Bank on Paki%tan
territor# on Ag%t t!e 14t! 1947.
563.564. -t !ad een %everel# !it # t!e riot% in a%t Pn/a. !e ank wa% identified wit!
t!e Paki%tan 'ovement. At t!e time of inde$endence all t!e ranc!e% in -ndia
;Amrit%ar Batala Faland!ar )d!aina el!i and Angra ;Agra
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added advantage of "+P t!at it %trengt!en% t!e worker% %take in t!e free
enter$ri%e %#%tem in /o %ecritie% etter $rofitailit# G ni>e cor$orate cltre%#moliing famil# feeling% G $rofe%%ional fraternit#.
574.
575. "e$temer 101991 i% t!e !i%torical date a% on t!i% date t!e ank ecame t!econtr#% 1%t ank to e recon%titted a% an in%tittion /ointl# owned # it%
em$lo#ee% t!rog! t!e ni>e conce$t of m$lo#ee% "tock +wner%!i$ $lan
K"+PL develo$ed # t!e Allied 'anagement Cro$ !eaded # 'r. !alid )atifenaled t!e ank %taff to react creativel# to t!e $rivatiation c!allenge. 'ore t!at
7500 %taff memer% ac>ired a %!are in t!e ank . !e articlation of t!e "+P i%
a landmark in t!e financial !i%tor# of Paki%tan:indeed of t!e entire world .-t i% a$ractical %te$ en%ring an increa%e in worker% $artici$ation and in $rodctivit# a
mean% for en!ancing an e>itale redi%trition of financial a%%et% G an effective
%trateg# for ac!ieving t!e c!eri%!ed goal of national %elf:reliance.
576.
2.6.4 1991 to 2004: Pri%ati&ation577.
578. A% a re%lt of $rivatiation in "e$temer 1991 Allied Bank entered in anew $!a%e of it% !i%tor# a% t!e world% fir%t ank to e owned and managed # it%
em$lo#ee%. -n 1993 t!e ir%t Allied Bank 'odaraa ;AB'< wa% floated.
579.580. After $rivatiation Allied Bank regi%tered an n$recedented growt! to ecome
one of t!e $remier financial in%tittion% of Paki%tan. Allied Bank% ca$ital and
re%erve% were (%. 1.525 ;Billion< and a%%et% amonted to (%. 87.536 ;Billion< andde$o%it% were (%. 76.038 ;Billionit# a%%et% and de$o%it% a%e offering niver%al anking%ervice% wit! !ig!er foc% on retail anking. !e ank !a% t!e large%t network of
on:line ranc!e% in Paki%tan and offer% vario% tec!nolog# a%ed $rodct% and
%ervice% to it% diver%ified clientele t!rog! it% network of more t!an 700 ranc!e%.
585.'86. 2.6.6 200':587. -n 'a# 2005 -ra!im )ea%ing )imited wa% amalgamated # tran%fer to
and ve%ted in wit! and into Allied Bank )imited. -)) %!are!older% were i%%edAB) %!are% in lie of t!e -)) %!are% !eld # t!em. A$$lication for t!e li%ting of
AB) %!are% in all t!e "tock =c!ange om$anie% of Paki%tan wa% made. AB)
316.
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wa% formall# li%ted and trading of t!e %!are% of t!e Bank commenced w.e.f. t!e
following date%.
-%lamaad "tock =c!ange : 8t! Ag%t 2005
)a!ore "tock =c!ange : 10t! Ag%t 2005
arac!i "tock =c!ange : 17t! Ag%t 2005
2.6.7 2007588.589. 'o!ammad Afta 'anoor !a% taken c!arge a% + and Pre%ident of t!e
Bank on Ag%t 13 2007. ,e i% an e=:$re%ident of 'B Bank )td.
590.
591.
592. 2.#.& "o7ay593.
594. oda# wit! i t% e=i%tence of over 60 #ear% t!e Bank !a% ilt it%elf afondation wit! a %trong e>it# a%%et% and de$o%it a%e. -t offer% niver%al
anking %ervice% w!ile $lacing ma/or em$!a%i% on retail anking. !e Bank al%o
!a% t!e large%t network of over 700 online ranc!e% in Paki%tan and offer% vario%tec!nolog#:a%ed $rodct% and %ervice% to it% diver%e clientele
55.
5#.
5'. 2.' I6POR"" $""I$"I$ BO" B+
598.
599. otal c%tomer% 600. 4605000
601. m$lo#ee% 602. 6747
603. otal ranc!e% 604. 735
605. tilit# oot!% 606. 34
607. Air$ort oot!% 608. 1
609. otal client% in Pe%!awar region 610. 145000
611. ale 2.1
#12.
#13. 2.& 6I OB@"I614.
316.
31'.
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315.
615. !e main o/ective of t!e ank i% to acce$t de$o%it% and $rovide loan% to
it% c%tomer% and al%o to e more efficient in $roviding %ervice%. !e ankmaintained it% commitment to mo%t efficient and $er%onalied %ervice% to it%
c%tomer%. Allied Bank of Paki%tan introdce% man# remnerative %c!eme% for it%
de$o%itor% and introdce com$ter %ervice% for t!e fir%t time in t!e anking!i%tor# of Paki%tan. Allied ank give% advance% to %mall medim and Big
ind%trie% commercial e%tali%!ment agricltre con%trction com$anie% and
ot!er need# $er%on%. Allied ank collect% electricit# ga% and tele$!one ill% from$lic and over !ndred ranc!e% of Allied Bank )td. deal in foreign e=c!ange
were facilitie% are given to financial and commercial %o it% ltimate o/ective i% to
receive fnd% from t!e de$o%itor% and $rovide% loan%Mcredit facilitie% to different%ector inclding trade ind%tr# and agricltre in it% mo%t ranc!e%.
616.
#1'.
#1&. 2. OPR"IO+ II$IO
619.620. Allied Bank !a% een divided into 16 region% eac! nder t!e control of a
regional Ceneral 'anger ;(C'
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315.
643. 'ir$r ;AF< 644. roO'ir$rakNi%.al.com.$
k
645. 'ltan 646. roOmltaniNl!r.al.com.$k
647. Pe%!awar 648. roO$e%!warNi%.al.com.$k
649. Jetta 650. roO>ettaNal.com.$k
651. "argod!a 652. roO%rgod!aNl!r.al.com.$
k
653. "ialkot 654. roO%ialkotNl!r.al.com.$k
655. "kkar 656. roO%kkirNal.com.$k
657. ale:2.2
658.
659.
2.10 66" *IRR*,
660.
661. !e management !ierarc!# re$re%ent% t!e different $o%ition% andde%ignation% in t!e !ierarc!# of t!e AB). ,owever t!i% i% not t!e re$orting
!ierarc!# t merel# re$re%ent% t!e $o%ition% and grade% on t!e a%i% of %eniorit#
and grade%.
662.
663.
664.
665.
666.
667.
668.
669.
670.
671.
672.
673.
674.
316.
31'.
70. Aec8ti?e ice
318. 22
http://var/www/apps/conversion/tmp/scratch_2/[email protected]://var/www/apps/conversion/tmp/scratch_2/[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]://var/www/apps/conversion/tmp/scratch_2/[email protected]://var/www/apps/conversion/tmp/scratch_2/[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected] -
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315.
675.
676.
677.
678.
679.
680.
681.
682.
683.
684.
685.
686. igre 2.1 'anagement !ierarc!#
#&'.
#&&. 2.11 ="IO+ *IRR*,
689. !e fnctional !ierarc!# re$re%ent% t!e re$orting order in t!e !ierarc!# of
AB). !e !ierarc!# !a% $re%ident and director% at to$ management level and
officer% Crade - -- and Crade --- at t!e lower level management of AB). !emiddle level management con%i%t% of regional general 'anager and (egional
ontroller of +$eration%. !e%e $o%ition% are not fi=ed. An# $er%on in t!e
!ierarc!# aove t!e ranc! manager can e a$$ointed a% (C' and controllero$eration%.
690.
691.
692.
693.
694.
695.
696.
697.
698.
699.
316.
31'.
76. *ea7 o>
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315.
700.
701.
702.
703.
704.
705.
706.
707. igre 2.2 nctional !ierarc!
'0&.
'0.
'10.
'11.
'12.
'13.
'14.
'15.
'1#.
'1'.
'1&.
'1.
'20.
'21. 2.12 BOR O= IR"OR$-22.
723.
-2.725.
726.
727.
728.
729.730. Pervai ->al Btt;irectoral;Cro$ !ief o$rate G
-nve%tment Bankinge B;oo7 o> a Ban
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1120.
1121. -n AB) t!e minimm amont re>ired to o$en t!e crrent accont i%(%. 500. &o $rofit i% $aid to accont e%ide t!i% t!at t!e accont !older !a% t!e
facilit# to taking % mc! mone# a% !e want%.
1122.1123. -ndividal accont i% o$ened in t!e name of t!e %ingle $er%onal one $er%on on
w!o%e name it i% o$ened onl# condct it. !ile two o$en% /oint accont and
$artner%!i$ accont are more $er%on and t!e ank fallow t!eir in%trction% for t!econdct of t!e accont. "imilarl# limited com$anie% can al%o o$en t!eir crrent
accont.
1124.1125. 3. =I PO$I" O"D"R6 PO$I"$
1126.
1127. !e%e de$o%it% are al%o called a% time de$o%it% eca%e t!e%e de$o%it% are
a%ed on t!e fi=ed dration. !e $eriod for w!ic! t!e%e de$o%it% are ke$t wit!
ank are ranged from %even da#% to ten #ear% in lig!t of t!e agreement etweent!e c%tomer and t!e anker. !e $rofit allowed on t!e%e accont de$end on t!e
dration longer t!e dration of t!e de$o%it% t!e !ig!er will e t!e rate of $rofit.1128.
1129. !e o$eration of fi=ed accont i% different from %aving G crrent accont%. ver#
time mone# i% de$o%ited wit! t!e ank an a$$lication from filled and t!e anki%%e a fi=ed de$o%it recei$t for amont de$o%ited along wit! %$ecific $eriod.
i=ed de$o%it recei$t i% given to t!e de$o%itor and t!e ank retain% t!e conterfoil
of t!e %ame recei$t.
1130.1131. i=ed term de$o%it% ma# e in t!e /oint name% of two or more $er%on. !e
$a#ment to one of t!o%e $eo$le will not di%c!arge # t!e ank wit!ot t!eat!orit# of ot!er%.
1132.
1133. 3.3.1 OPI OPR"IO O= BK O"
1134.
1135. A% di%c%% earlier t!ere i% a $re%cried $rocedre for o$ening different
t#$e% of accont . ollowing %te$% re followed w!ile o$ening a new accont.
113#. 1. pp;ication >ro: >or Openin9 o> cco8ntin91137.
1138. A $er%on w!o wi%!e% to o$en a ank accont i% re>ired to
com$lete t!i% from t!e $er%onal information i% to e frni%!ed. !e a$$lication%ign% t!e declaration to effect t!at !e !a% nder%tood t!e rle% and
reglation of t!e ank.
113. 2. Intro78ction
1140.
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315.
1141. A% re>ired # t!e anking law t!e new c%tomer need% to e
introdced # t!e accont !older of t!e %ame ranc! w!ere t!e accont i%eing o$ened. !e manager or an# ot!er ank officer ma# introdce t!e new
c%tomer if t!e# know t!em $er%onall#.
1142.I. $i9nat8re car7
1143.
1144. At t!e time of o$ening an accont a %$ecimen %ignatre cardcontaining two %ignatre of t!e c%tomer i% re>ired w!ic! t!e manager of t!e
ranc! attac!e% wit! a$$lication form. ring t!e o$eration of accont t!e
%ignatre i% verified w!en t!e c!e>e i% $re%ented for $a#ment.
II. heF8e Booe ook % i%%ed to t!e c%tomer for wit!drawing ca%! from !i% or !eraccont at t!e time of need. !e c!e>e contain% minimm 25 $age% Gma=imm 100 $age%. !e ank al%o c!arge% e=ci%e dt# on c!e>e ook.
114'.
114&.
114.
1150.
1151.
1152.
1153. 3.4 $ PR"6"
11.1155. +I PRIIP+$
1156.
1157. !e a%i% fnction of t!e ank i% to acce$t de$o%it and lend mone# to t!e
orrower% again%t a %$read %o to e ale to give %ome $rofit to t!e de$o%itor% a%
well a% to earn $rofit for t!e ank.1158.
1159. !ile lending t!e mone# to t!e orrower% t!e ank %!old o%erve t!e following
lending $rinci$al%@1160. $a>ety Princip;e
11#1.1162. -t mean% t!at t!e lended mone# will come ack along wit! intere%t or
%ervice c!arge% etc. !e orrower %!old not inve%t t!e mone# orrowed in
n$rodctive or %$eclative %ine%%.1163. +iF8i7ity Princip;e
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315.
11#4.
1165. !e mone# w!ic! !a% een lended to t!e orrower %!old e retrned tot!e ank on demand or a% $er re$a#ment %c!edle $rovided # t!e client. !e
%orce% of re$a#ment %!old e clear and definite
11##. P8rpose Princip;e
11#'.
1168. !e $r$o%e of t!e advance% %!old e legitimate and $rodctive. -t%!old e en%red t!at t!e ank% fnd% are not eing tilied for %$eclative
%ine%%. !e credit re%triction% # t!e central ank %!old not e violated G it
%!old al%o e en%red. -t i% alwa#% eneficial for t!e ank to finance for %!ort:term re>irement%.
11#.
Pro>itabi;ity Princip;e
11'0.
1171. !e end re%lt of ever# %ine%% activit# %!old e to earn %ome $rofit."imilarl# t!e ank m%t get %ome $rofit ot of t!e activit# of lending %o t!at t!e
de$o%itor% cold get t!eir %!are% a% well a% t!e %!are!older% cold earn %omet!ingfor t!eir inve%tment%..
11'2.
$ec8rity Princip;e
11'3.
1174. !e $ro$o%al %!old e dealt on it% merit not on %ecrit#. !e %ecrit#
%!old e con%idered a %afet# for t!e ank onl# in ca%e of ne=$ectedemergencie%. All t!e relevant docment% of %ecritie% m%t e otained G got
valation of t!e $ro$ert# or an# ot!er %ecrit# %!old e a%%e%%ed correctl#.
1175. $prea7in9 o> Ris< Princip;e
1176. -t i% alwa#% %afe for t!e ank to %$read t!e ri%k in large nmer of orrower%
in%tead of loaning !ge amont to few ig %!ot% it i% etter to otain different
t#$e% of %ecritie% in%tead of concentrating on one %ecrit#..1177. ationa; Interest an7 $8itabi;ity Princip;e
11'&.
1179. -t i% or moral a% well a% legal oligation to en%re t!at no loaning i%
rnning conter to national intere%t. -t i% al%o or dt# to en%re t!at or lending
$olicie% are not again%t t!e %ocial condition% or inding%
11&0.1181. 3.4.1 =8nction o> re7it epart:ent1182.1183. !e main fnction of t!e credit de$artment i% to lend mone# to t!e
c%tomer. Allied Bank )td. )end% mone# in t!e form of clean advance% again%t
$romi%%or# note% a% well a% %ecred advance% again%t tangile and marketale
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31'.
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315.
%ecritie%. Be%ide t!e%e AB) al%o lend mone# again%t life $olicie% and immovale
$ro$ert#..1184.
+I
1185. )ien i% t!e ank rig!t to wit! !old $ro$ert# ntil t!e claim on t!e $ro$ert#i% $aid. !e ank look% at t!eir lien a% a $rotection again%t lo%% or overdraft or an#
ot!er credit facilit#. -n ordinar# lien t!e orrower remain% t!e owner of t!e
$ro$ert# t t!e actal or con%trctive $o%%e%%ion remain% wit! t!e creditor orank t!og! t!e orrower !a% no rig!t to %ell it.
11&%. By ash re7it
1187.1188. -n t!i% t!e ank lend% mone# to t!e orrower again%t tangile %ecrit#. !e
total amont of t!e loan i% not $aid in one in%tallment. !e orrower !a% to $a#
mark$ on t!e amont orrowed. a%! credit i% favorite loan for large commercialG ind%trial concern.
11&.
By O?er7ra>t
1190.1191. !i% t!e mo%t common t#$e of ank lending. !en a orrower re>ire%
tem$orar# accommodation AB) allow% it% c%tomer to wit!draw an e=ce%% of t!e
alance form t!eir accont w!ic! t!e orrowing c%tomer% !ave in credit and t!%
called overdraft. !i% facilit# i% given to reglar reliale G well e%tali%!edc%tomer. !en it i% again%t collateral %ecritie% it i% called D"ecred +verdraftE
G w!en orrowing c%tomer can not offer an# collateral %ecrit# e=ce$t !i%
$er%onal %ecrit# t!en t!e accommodation i% called Dlean +verdraftE.1192.
1193.
1194.
115. 3.4.2 "ypes o> >inance
11#.
$hort "er: =inance
1197.1198. Allied Bank )td. receive% t!e %aving of t!e $eo$le and lend% it for %!ort
term to it% c%tomer%. "!ort:term finance i% generall# given for a $eriod of one
#ear or le%% in dration.
11.
6e7i8: "er: =inance
1200.
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315.
1201. !e dration range of t!e intermediate term finance i% from one #ear to
t!ree #ear%. -t i% al%o called term loan. -ntermediate term finance i% %all# givenfor t!e e=$an%ion of an e=i%ting %ine%% or for t!e $rc!a%e of new e>i$ment%.
+on9 "er: =inance1202.
1203. !i% t#$e of finance i% re>ired for t!e $eriod of more t!an five #ear%.)ong term finance i% generall# given for t!e com$ilation of ig $ro/ect% for t!e
con%trction of ilding and for t!e $rc!a%e of mac!inerie%.120. Pro78cer o> pp;yin9 >or +oan
1205.1206. An# c%tomer w!o a$$lie% for loan %!old !ave an accont ;%all#
crrent accont< wit! AB) ranc! concerned. !at accont m%t e in rnning
$o%ition. !en a$$roval from !ead office i% given ranc! give% tern G condition
to t!e $art#. Bank doe% not advance 100T loan again%t a %ecrit# rat!er t!e $rofitmargin i% different in different t#$e of loan.
1207.
120&. 3.5 R6I""$ PR"6"1209.
1210. Anot!er im$ortant de$artment in AB) !#er aar Branc! i%
(emittance% e$artment. !e remittance% de$artment tran%fer% t!e fnd% fromone ank to ot!er ank and from one $lace to anot!er $lace.
1211.
1212. -n remittance% de$artment t!e collection take $lace. !e AB) made $a#ment ofonl# o$en c!e>e% on t!e conter and $ro!iit% t!e $a#ment of cro%%ed
c!e>e%.AB) tran%fer% mone# from one $lace to anot!er # t!e following mean%@
6ai; "rans>er
1213.1214. !en a c%tomer re>e%t% t!e ank to tran%fer !i% mone# from t!i% ank
to an# ot!er ank or t!e ranc! of %ome ot!er ank t!e fir%t t!ing !e !a% to do i%
to fill an a$$lication form. -n w!ic! !e %tate% t!at !eR%!e want% to tran%fer t!emone# from t!i% ank to t!at ank # mail. -f t!e c%tomer i% t!e accont !older
of t!e ank o$erating $er%onal will $roceed frt!er wit! %te$% like@
riting a deit voc!er for aRc !older% aRc
Pre$aring an advice in favor of %tated ankRranc!
riting credit voc!er for C)
'ail t!e advice
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1215. -f t!e c%tomer i% not t!e accont !older of t!i% ank t!en fir%tl# !e !a% to
de$o%it t!e mone# and t!an aove $rocedre will e ado$ted to tran%fer !i%mone#.
121#.
"e;e9raphic "rans>er1217.
1218. it! t!e c!anging re>irement% of t!e c%tomer AB) !a% introdced t!e
fa%te%t tran%fer of mone#. !e %ender i% re>ired to a$$l# t!rog! a form in w!ic!!e will give all t!e nece%%ar# detail% aot t!e %ender and eneficiar#. !e %ender
de$o%it% t!e mone# to e tran%ferred $l% ank c!arge% at t!e ank conter. !e
remittance% official% %end a telegram to concerned ranc! wit! %$ecified codeword% and t!e receiving ranc! make% $a#ment to t!e eneficiar#. *oc!er% are
%ent # ordinar# mail to kee$ t!e record. +n no e=ci%e dt# i% c!arged onl#
commi%%ion and telegram c!arge% are c!arged.
121.
Pay Or7er1220.
1221. Pa# order i% t!e mo%t convenient %im$le and %ecre wa# of tran%fer ofmone#. -t i% i%%ed # drawn $on and $a#ale # t!e %ame ranc! of t!e ank. -t
i% neit!er tran%ferale nor negotiale and a% %c! it i% $a#ale to t!e $a#ee named
t!ere in. !e following are t!e $artie% to a $a# order.
Prc!a%er i% a $er%on firm com$an# or local at!orit#.
-%%ingR$a#ing ranc! i% one w!ic! i%%e%R$a#% on $re%entation.
Pa#ee i% a $er%on named t!ere in.
e:an7 ra>t
1222.
1223. emand raft i% anot!er wa# of tran%fer of mone# from one ank to
anot!er ank. nlike $a# order a form i% re>ired to e filled for t!e i%%ance oft!e demand draft in w!ic! nece%%ar# $articlar% aot t!e eneficiar# and %ender
are given. !e %ender de$o%it% t!e amont of $l% commi%%ion and ot!er
c!arge% on t!e ank conter from w!ere !e i% given a recei$t and in accordancewit! t!i% recei$t !e i% i%%ed
1224.
1225. !e following are t!e main e%%ential of draft@
1226. -t i% a &egotiale -n%trment.
1227. illing a form and de$o%iting t!e amont written on it $re$are 2V raft.
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1228. -t i% a written order to it% ranc!e% or to anot!er ank to $a# t!e %tated amont on
draft.
1229.
1230. 3.# $* PR"6"1231.
1232. !i% i% t!e mo%t im$ortant and critical de$artment in a Bank. !ere are
two a%ic fnction% $erformed # t!e ca%! de$artment. !e%e are
Receipts
1233.
1234. An individal w!o !a% accont in t!e Bank can de$o%it mone# in !i%
accont. or de$o%it of t!e mone# t!e individal !a% to fill t!e de$o%it %li$ inw!ic! t!e accont !older write% !i% name Accont nmer amont of t!e mone#
ot! in figre% and in word%.1235.
1236. After filling t!e de$o%it %li$ t!e a%! amont along wit! t!e de$o%it %li$ i%%mitted wit! t!e ca%!ier. !e ca%!ier collect% t!e ca%! and cont% it and after
verification t!e ca%!ier %tam$% t!e de$o%it %li$. +ne $art of t!e de$o%it %li$ i%
given ack to t!e c%tomer and t!e ot!er $art of t!e de$o%it %li$ remain% wit! t!eank for t!e record $r$o%e%
1237. .
1238. !e ca%!ier al%o record t!e de$o%it% made # t!e c%tomer% in credit %!eet% dail#.!e de$o%it% of all c%tomer% of t!e ank are controlled # mean of ledger
accont. ver# c%tomer !a% it% own ledger accont and !a% %e$arate ledger card%
in w!ic! !i% R !er total record i% ke$t.1239.1240. Bill collection i% al%o one of t!e main fnction% of ank. a%!ier !a% to $re$are a
li%t of ill% %erial nmer a co$# of w!ic! i% to e %ent to t!e corre%$onding
organiation.1241.
Pay:ents
1242.1243. !e $rocedre of clearance of a c!e>e or $a#ment% i% a% following. ir%t
of all t!e c%tomer $re%ent% !i% c!e>e to t!e ca%!ier !e ca%!ier record% t!e
accont nmer and t!e amont w!ic! i% to e drawn. !en t!e ca%!ier c!eck t!e
c!e>e nmer in t!e com$ter for t!e verification w!et!er t!e accont !older!a% %c! amont in !i% accont w!ic! !e i% demanding or not. -f t!e com$ter
$a%%e% t!e c!e>e t!e Pa%%ing officer %ign% t!e c!e>e and %ent it to t!e ca%!
conter t!en ca%!ier $a#% t!e written amont to t!e c%tomer and t!en in t!e endca%!ier record% t!e amont $aid in com$ter.
1244.
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315.
1245. 3 ' =ORI RR, PR"6"
124#.1247. )ike Pak r$ee% accont t!e foreign crrenc# !a% man# accont% like
"aving accont
rrent accont
erm de$o%it accont.
1248. !e ank deal in t!ree t#$e of foreign crrenc# accont1. ollar
2. ro
3. Pond1249.
1250. !e accont i% o$en wit! 1000 dollar if it i% le%% 5:dollar $er mont! i% dedcted.
or o$ening t!e accont &- G introdction i% re>ired of t!e %ame ank. -f an#
$er%on want% to im$ort good% from foreign an accont i% re>ired and forinternational trading t!e i% needed. AB) $rovide foreign crrenc# on Pak
r$ee at ooking rate and t!e central office %ent (ate%
1251.1252. -n foreign crrenc# de$artment t!e remittance i% %ent t!rog! oreign elegra$!ic
ran%fer. !e accont !older can %ent t!e amont in foreign ank accont. -f an#
tran%action i% made t!e dail# re$ort i% given to t!e central office arac!i dail#.1253.
1254. ifferent accont% can o$en like /oint accont or com$an# accont. !e
t!ankfl letter i% %ent for o$ening t!e foreign crrenc# accont to accont !older
and introdcer. !en an# tran%action i% made t!e ank inform %tock e=c!angedail#. !e foreign crrenc# note i% conted and recorded in t!e ca%! memo ook.
!e $eo$le in t!e foreign contr# %ent t!e amont t!rog! "..-... eekl# and
mont!l# re$ort of all t!e tran%action i% given to t!e %tock e=c!ange.1255.
1256. !e>e ook i% al%o i%%ed to t!e accont !older G t!e foreign crrenc# Accont
nmer i% given to !im. -n t!i% B G B( i% done. eit redit *oc!er i% %ed.!e c!arge% are dedcted w!ile clo%ing t!e foreign crrenc# accont. And t!e
c!e>e ook i% retrn w!ile clo%ing t!e accont.
1257.1258. !e ranc! %ent e=ce%% foreign crrenc# to it% main ranc!. -f an# ranc! need%
foreign e=c!ange t!e# %ent to t!i% ranc!.1259.
1260.
12#1. 3.& +RI PR"6"1262.
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1263. -n clearing $roce%% if t!e accont !older of AB) receive% t!e c!e>e of
ot!er ank like it# Bank ,ai Bank )imited etc and !e %mit% it in AB)ranc! to e ca%!ed. At t!e %ame time t!e clearing $roce%% %tart%. ir%t t!e ank
name. !e>e nmer and t!e amont are written in t!e regi%ter. After t!i% t!ree
kind of %tam$% are re>ired fir%t ank name %tam$ %econdl# clearing %tam$ ofne=t date and -f t!e c!e>e i% not local t!en t!e inter cit# clearing %tam$ i%
re>ired.
1264.1265. "ome c!e>e% are local and %ome are ot%tation. !e in%tittion &.-... $rovide%
t!e %ervice% in clearing t!e c!e>e. !e# %end t!e different c!e>e to different
ank%. !e &.-.. %ervice i% onl# in few citie% like arac!i )a!ore (awal$indi.!e c!e>e of inter cit# i% %end t!rog! &.-... And w!ere t!e &.-.. %ervice i%
not availale %o t!e c!e>e i% %ent t!rog! ..".
1266.
1267. !e clearance of c!e>e i% informed t!rog! advice. "ome c!e>e i% not $a%%ed
%o t!e# %!old retrn %o (%. 100 i% dedcted and if t!e c!e>e i% inter cit# t!en t!e$o%tage c!arge% i% dedcted. or t!i% $r$o%e t!e eit G redit voc!er i% %ed.
!en t!e c!e>e i% cleared t!e toda# %tam$ i% re>ired. "ome c!e>e i% drawn onAB). !i% i% called otward clearing. !e%e c!e>e% will e entered in t!e
otward clearing regi%ter. And t!e advice i% %ent for t!e clearance of c!e>e%. !e
accont !older accont i% credited.1268.
O" /R BI++ =OR O++"IO
1269.
1270. +B mean% t!e c!e>e of ot!er ank%. !en t!e# %ent +B t!e +B i%
credit G +B( i% deited and t!e advice i% made on t!at time one co$# i% remainin t!e ank and t!e ot!er co$# i% %ent to t!e related ranc!. !en t!e# realied
t!e o$$o%ite entr# i% made. -t i% entered in t!e +B regi%ter. !e income AMc
commi%%ion i% credited and $o%tage1271.
1272.
1273.1274.
1275.
1276.1277.
1278.1279.
1280.1281.
1282.
1283.
316.
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315.
1284.
1285.
12.
12&'.12&&.
12&.
120.
121.
122.
123.
124.
125.
12#.
12'.
12&.12.
1300.
1301.
1302.
1303.
1304.
1305.
130#.
130'.
130&.
130.1310.
1311.
1312.
1313.
1314.
1315.
131#.
131'.
131&.
131.
1320.1321.
1322.
1323.
1324.
1325.
132#.
316.
31'.
103.104.
105.
106.107.
108.
109.110.
111.
112.113.
114.11. 6h+pt*r 7
116.
117.
11&. ONINE B"NIN# er%
13#0.
1361. !e ma=imm amont i% re%tricted to (%. 500000R: for fnd%
tran%fer e=ce$t w!en t!e c%tomer i% tran%ferring fnd% from t!e ranc!
w!ere !i% accont i% maintained to an# ot!er accont in an# AB) ranc!.1362.1363.
1364.
1365.
13##.
316.
31'.
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315.
eposit o> "hir7 Party heF8es >or Instant re7it%
13#'.
1368. !e accont !older% can de$o%it t!ird $art# c!e>e% eit!er drawn
in !i% favor or earer at t!e ranc! w!ere !e !old% an accont for in%tant credit.
1369.1370. !e ma=imm vale of eac! t!ird $art# c!e>e w!ic! i% eing de$o%ited
%!old not e=ceed (%. 500000R: and tmo%t $recation% m%t ndertaken to
en%re at!enticit# and geninene%% of t!e t!ird $art# c!e>e%.1371.
13'2.' P*,$I+ PR$ O= O" *O+R
13'3.
1374. -t i% e%%ential for t!e accont !older to $re%ent a c!e>e in $er%on
at t!e remote ranc! for enca%!ment from !i% accont at t!e $arent ranc! !e
$re%ence of c%tomer i% nece%%ar# in ca%e of nd% ran%fer tran%action%
,owever c%tomer $re%ence i% not nece%%ar# for ca%! de$o%it or t!ird
$art# enca%!ment of c!e>e% $ to (% 25000R:1375.
1376. & = "R$=R.1377.
1378. !e c%tomer% will e allowed to tran%fer fnd% from an accont in t!e
local ranc! to an accont in t!e remote ranc! and vice ver%a. -n t!i% ca%e t!eDfromE accont m%t %tomer% own accont w!et!er in t!e local ranc! or
t!e de%tination ranc! and a c!e>e for t!e tran%fer wold e re>ired to e
$re%ented.
1379.
13&0. $PRI$IO O= "R$"IO$
13&1.1382. All ca%! and nd ran%fer tran%action% re>ire immediate online
%$ervi%ion at t!e local ranc! efore eing tran%mitted to t!e remote ranc!
for acce$tance "$ervi%ion re>ire% re:entr# of all tran%action% $articlar% #
t!e "$ervi%or ran%action% relating to Balance n>irie% and i%$la# of%tatement% of accont do not re>ire and %$ervi%ion
1383.
13&4. 10 K, D $"O6R I+I
1385.
1386. !e ank% are re>ired to $erform Q R c%tomer e iligence
a% $er Prdential (eglation i%%ed # "tate Bank of Paki%tan Accordingl# all
anormall# !ig! R %%$icio% tran%action% $articlarl# ca%! tran%action%are re>ired to e e=amined and re$orted to t!e concerned de$artment%
13&'.
13&&.
13&.
130.
316.
31'.
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315.
131. 4.2 "O6" "++R 6*I
132.1393. Allied Bank !a% a va%t network of over 460 A'% in%talled in over 130
citie% w!ic! contine% to grow at a ra$id $ace
1394.1395. !e AB) Atomated eller 'ac!ine ;A'< lanc!ed in 1995 i% a mean% of
$roviding c%tomer% wit! 24 !or ca%! convenience. +ver t!e #ear% it% %cce%%
!a% encoraged t!e ank to e=$and it% network to ma/or citie%. -n t!e $a%t %i=#ear% AB) in%talled t!i% convenience in arac!i )a!ore ,#deraad -%lamaad R
(awal$indi ai%alaad 'ltan C/ranwala Jetta "ialkot and Pe%!awar.
rt!er e=$an%ion $lan% to ot!er citie% are on t!e wa#.1396.
13'.
13&. 4.2.1 BI" R =I+I"I$
13.
I. =8n7s trans>er on "61400.
1401. A card !older can tran%fer fnd% on t!e A' from !i% accont to an# ot!eraccont in an# ranc! of Allied Bank $ to a ma=imm of (%. 10000 $er
da#.
1402.
II. "6 ai;y /ith7rawa; +i:it
1403.
1404. Previo%l# t!e card !older were allowed to wit!draw (% 25 000 $er da#w!ic! !a% now een en!anced a% follow%@
1405.
1406.1407. A' a%! it!drawal )imit @1408.
1,09. &er transaction limit 7aily limit
1,10. Rs. 2"000 Rs 100"000
1411.
III. ebit ar7 on PO$
1412.
1413. !e deit tran%action% on P+" were $revio%l# $ to a ma=imm limit of
(% 50000 $er da# w!ic! !a% not een en!anced to (% 100000 $er da#.
1414.
I. Other nhance:ents1415.
1416. or t!e convenience of t!e ard!older% t!e following en!ancement% !ave
al%o een incor$orated@1417.
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"creen% !ave now ecome ilingal and t!e card !older !a% t!e o$tion to o$eate
t!e A' in ngli%! or rd langage.
a%t ca%! ma=imm amont w!ic! wa% $revio%l# (% 10000 !a% now een
en!anced to (% 25000
141&.1419.1420. 4.2.2 I +I$ =OR $"RI$"IO O= "6 OPR"IO$.
1421.
1. ;; branches 6$" carry o8t "6 cash ba;ancin9 D rep;enish:ent on
7ai;y
basis be>ore r8nnin9 en7 o> 7ay witho8t >ai;
1422.
1423. % $*
B+I PROR
1424.
1425. !e actal ca%! in A' i% to e alanced wit! A' Fornal (ollin order to identif# t!e %%$ect tran%action
1426.
1427. ollowing %te$% m%t e taken efore end of da#1428.
@ Pt t!e A' in "$ervi%or# mode.
@ +tain A' a%! $o%ition on A' Fornal (oll
1429.1430. !e $!#%ical a%! in A' m%t e>al to t!e amont a$$earing in t!e
A' (ecei$t. nder no circm%tance% t!e $!#%ical a%! %!old e $laced %!ot
in A' w!ile c!ecking t!e ca%! in A' ca%! in t!e (e/ect Bin %!old al%o ec!ecked and taken into accont and t!e $rint in A' /ornal for (e/ect a%!
%!old al%o e verified.
1431.
1432. B@ -n ca%et!e $!#%ical R actal ca%! in A ' i% more t!an t!e ca%! a$$earing in t!e /ornal t!en it
mean% t!at c%tomer% accont !a% een deited wit!ot ca%! di%r%ement now t!e
individal %%$ected tran%action% are to e identified on t!e a%i% of t!e verification fromA' Fornal (oll Branc!e% %!old immediatel# com$lete $roce%% of DAtomatic
reditE a% $er $rocedre and time frame mentioned elow.
1433.1434.
1435.
PROR "I6+I$ =OR "O6"I RI"
143#.
o $a:e Ban
1437. Branc! to credit c%tomer accont on ne=t %ine%% da#.
1438.
316.
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315.
o $a:e Ban>erent Branch (within sa:e city)
143.
1440. A' ac>iring ranc! after verification of t!e tran%action from t!eir A'Fornal (oll m%t i%%e redit Advice to t!e card i%%ing ranc! ;t!e ranc! from
w!ere t!e card wa% i%%ed R accont of t!e card !older i% maintained< on ne=t%ine%% da#.
1441.
1442.
o $a:e Ban< G i>>erent branch (7i>>erent cities)
1443.
1444. A' ac>iring ranc! W t!e ranc! w!ere t!e A' i% in%talled< afterverification of t!e tran%action from t!eir A' Fornal (oll m%t i%%e redit
Advice to t!e card i%%ing ranc! ; t!e ranc! from w!ere t!e card wa% i%%ed R
accont of t!e card !older i% maintained< on ne=t %ine%% da# !i% w!ole$roce%% %!old e com$leted wit!in ma=imm 4 %ine%% da#%.
1445.o B+ "6 Branch an7 Other Ban
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315.
a. Ptting A' in %$ervi%or# 'ode.
. Part of A' Fornal (oll fr %ame date %!all e taken ot and%igned # ot!er officer%.
c. )ogging in a% "$ervi%or on &-BA& rnning +$tion D06E for
calclation of ca%! re$leni%!ment $o%ition w!ic! %!all %igned #ot! officer% and attac!ed wit! voc!er%
1457.
All remaining $!#%ical ca%! in A' %!all e taken ot and conted.
re%! crrenc# note% %!all e fed in to A' according to a%%igned ranc! limit.
1458.
145. 4.3 *O/ "6 /ORK$
1460. -t i% a !ig! %$eed mode of tran%$orting data from one ranc! or ank to
anot!er. it! A' #o are ale to tran%mit data in %mall data $acket% over a%ingle network. -t can carr# traffic at %$eed% $ to 622 '$%. ata i% tran%mitted
in fi=ed lengt! cell% w!ic! give% it advantage% over ot!er met!od% of data tran%fer.
A' i% a cell %witc!ing network w!ic! take% data and reak% it into 48 #te%.
!e%e #te% are t!en affi=ed to a 5 #te !eader w!ic! will contain t!e %orce andde%tination information. !e %e of cell %witc!ing and mlti$le=ing i% em$lo#ed
and t!e information i% roted in a calclated manner. !i% met!od make% it %o t!at
#or tran%mi%%ion i% con%tant and !a% a garanteed ca$acit#.1461.
1462. - am taking !el$ of %ome diagram% to %!ow !ow A' work%. -n t!e%e diagram%
we can nder%tand t!at !ow data flow% in A'.
1463.
14#4.
14#5.
14##.
14#'.
14#&.
14#.
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315.
14'0.
14'1.
14'2.
14'3.
14'4.
14'5.
14'#. 4.3.1 $ $$ O= "6 $,$"6
316.
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315.
1477.
se cases.
1478. A %e ca%e de%crie% a %e>ence of action% t!at $rovide %omet!ing of
mea%rale vale to an actor and i% drawn a% a !oriontal elli$%e.
1479. In above diagram four main use cases has been drawn
1. Ss!em s!ar!u"
2. Ss!em shu! down
3. Session
316.
31'.
124.
125. ard
126. Allie
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315.
;-f t!e reader cannot read t!e card de to im$ro$er in%ertion or a damaged %tri$e
t!e card i% e/ected an error %creen i% di%$la#ed and t!e %e%%ion i% aorted.< !ec%tomer i% a%ked to enter !i%R!er P-& and i% t!en allowed to $erform one or
more tran%action% c!oo%ing from a men of $o%%ile t#$e% of tran%action in eac!
ca%e. After eac! tran%action t!e c%tomer i% a%ked w!et!er !eR%!e wold like to$erform anot!er. !en t!e c%tomer i% t!rog! $erforming tran%action% t!e card
i% e/ected from t!e mac!ine and t!e %e%%ion end%. -f a tran%action i% aorted de to
too man# invalid P-& entrie% t!e %e%%ion i% al%o aorted wit! t!e card eingretained in t!e mac!ine.
1493. !e c%tomer ma# aort t!e %e%%ion # $re%%ing t!e ancel ke# w!en entering a
P-& or c!oo%ing a tran%action t#$eM1494.
145. 4 $yste: "ransaction
1496.
1497. A tran%action i% %tarted wit!in a %e%%ion w!en t!e c%tomer c!oo%e% a
tran%action t#$e from a men of o$tion%. !e c%tomer will e a%ked to frni%!a$$ro$riate detail% ;e.g. accont;%< involved amont
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315.
1509. "e>ence diagram% demon%trate t!e e!avior of o/ect% in a %e ca%e #
de%criing t!e o/ect% and t!e me%%age% t!e# $a%%. !e diagram% are read left torig!t and de%cending
1510.
1511. -n aove and elow diagram%
!e rectangle re$re%ent% t!e o/ect of a cla%%
!e vertical rectangle re$re%ent% t!e o/ect activation
!e da%!ed line re$re%ent% t!e life of t!e o/ect.
!e cro%% re$re%ent% w!en o/ect i% de%tro#ed.
!e arrow re$re%ent% w!en one
1512.
1513.
1514.
1515.
1516.
1517.
316.
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315.
1518.
1519.
1520.
1521.1522.
1523.1524.1525.
1526.
1527.
1528.1529.
1530.
316.
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315.
1531.
1532.1533.1534.
1535.
1536.1537.
1538.
1539.
1540.1541.
1542.
1543.1544.
1545.
1546.1547.
316.
31'.
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315.
1550.
1551.
1552.
1553.
1554.
1555.
1556.
316.
31'.
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315.
155'. 4.3.3 ?ent "race ia9ra:s155&.
o re$re%ent o/ect% G event% in a %cenario
+/ect% in tran%ition drawn a% vertical line%
vent% drawn a% !oriontal arrow from t!e %ending o/ect to receiving o/ect
vent timing %e>ence %!own : timing $roceed% verticall#
An o/ect can %end %imltaneo% event% to ot!er o/ect%
1559.
15#0. 4.3.4 ?ent =;ow ia9ra:
15#1.1562. An vent low diagram con%i%t% of interconnected o/ect% and e=$lain% t!e flow
of data among t!o%e o/ect%. om$le= vent relation%!i$% and "#nt!etic vent%
are al%o re$re%ented in an vent low diagram.1563.
+/ect i% drawn a% rectangle Arrow %ign %!ow t!e a%%ociation etween o/ect% and flow of data etween
o/ect%.
15#4.
15#5.1566. -n elow 2 diagram% obCectsare.
%er
A'
on%ortim ;An a%%ociation of ank% for %ome definite $r$o%eal im$ortance and t!ere %!old e no differentiation
etween c%tomer% %o t!at ever# c%tomer feel% !im%elf a% mc! im$ortant a% t!e
ot!er c%tomer.
1817. !e
attitde of t!e %taff %!old e friendl# to all t!e c%tomer%. !e c%tomer% %!old
e taken to t!e concerned $er%on or gided friendl# if t!e concerned $er%on i% not
availale. !e attitde of Dt!at% not m# /oE %!old not e=i%t an#more.
316.
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315.
1833.
1834. !e financial adit of t!e ank i% condcted on reglar a%i% ot! a% a%r$ri%e and rotine adit. ,owever t!e $erformance and %#%tem adit% are
com$letel# ignored w!ic! ot!er wi%e %!old !ave een a com$l%or# $art of t!e
aditing %ervice% of t!e Bank. !e immediate otcome of ignoring $erformanceotcome i% %!ortcoming in t!e non:financial a%$ect% of t!i% organiation %c! a%
c%tomer relation% lack of nece%%ar# facilitie% motivation of em$lo#ee% and t!e
control of manager.1835.
1836. -n t!e lig!t of t!e aove fact% it i% %gge%ted t!at t!e $erformance adit of t!e
ank m%t e carried ot on ot! reglar and %r$ri%e a%i% to kee$ t!e Bankcom$etitive in t!e rn of for more c%tomer% more de$o%it% and !ig! $rofitailit#.
1837.
1&3&. #.10 6PI =OR IR$I "* PO$I"$.
1839.1840. !e nmer% of accont !older% in a ank make a %ignificant contrition
to t!e de$o%it% of t!e Bank and determine it% %ine%% volme $rofit% and %ie ofa ank. !erefore AB) !#er Baaar ranc! m%t a clear $lan for increa%ing
t!e nmer of accont%. !e detail% of $lan for increa%ing t!e nmer of accont%
are given in t!e im$lementation $lan.
1&41.
1&42. #.11 R+O"IO O= BR*$
1843.
1844. Allied ank !a% five ranc!e% in Pe%!awar i.e.. on C.. road !#er
Baaar. All t!e%e ranc!e% are %o clo%el# located %o t!at t!e# are mo%tl# takingawa# eac! ot!er c%tomer% rat!er t!an com$eting t!e real com$etitor%.
1845. !e location of different ranc!e% on C.. road and !#er Baaar Pe%!awar
diagrammaticall# given in figre 7.1
1846.1847. igre 7.1 iagrammatic re$re%entation of location of different ranc!e% of AB)
at C.. road and !#er Baaar Pe%!awar.
1848.1849. !e diagram %!ow% t!at t!e ranc!e% are clo%el# located to eac! ot!er. !e
di%tance etween t!e%e ranc!e% %!old e ad/%ted in %c! a wa# t!at t!e# wold
not onl# cover a wide c%tomer a%e and com$ete t!e ot!er ank% wit!ot
cannialiation of it% own $rofit%. !e $ro$o%ed relocation %c!eme of all ranc!e%of AB) in Pe%!awar i% given in t!e im$lementation $lan.
1850.
1851.
316.
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315.
1852.
1853.
1854.
1855.
1856.
1857.
1858.
1859.
1860.
1861.
1862.
1863.
1864.
1865.
1866.
1867.
1868.
1869.
1870.
1871.
1872.
873.
874.
875.
1876.
1877.
1878.
igre 6.1 iagrammatic re$re%entation of location of different ranc!e% of AB)
1&'. #.12 IR$$ I B$I$$ $*R
316.
31'.
171. "r8c< $tan7
172. B8s $tan7
1'3. =aFeer ba7
241. 8r 6an7i242. how< ,a79ar
311. .". Roa7
312. K
h
313. Khyber Bazaar
318. &&
320.
4."
Roa7
(ew77a
*ashtna9ri
=ir7
os
sh
ra
>Roa
7
$oe
Roa
7
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315.
1880. Along wit! concentrating on increa%ing t!e c%tomer a%e t!e Bank m%t al%o
em$!a%ie on %ecring t!e !ig!e%t market %!are in ot!er anking %ervice% %c! a%i%%ance of letter of credit foreign e=c!ange remittance% ill% identification of
$rodctive %ecre and ea%il# realiale advance% etc. to ac!ieve t!i% %trateg# t!e
Bank %!old !ave a clear $lan% wit! t!e con%ent of t!e !ig!er management. !e$lan m%t e divided into different $eriod% U weekl# mont!l# %emiannal and
annal. ver# %tage of t!e $lan m%t e monitored and controlled on reglar a%i%.
1&&1. #.13 "6 "/ORK PROB+61882.1883. - !ave fond %ome $rolem% wit! A' network. 'an# c%tomer% !ave
com$laint% t!at t!eir re>e%t% $laced on A'% dont carr# ot. -t i% mainl#
eca%e of ad P) line%. i%tortion in line% of P) re%trict% t!e e=ection of
re>e%t% $laced on A' mac!ine% # c%tomer%. Alt!og! t!ere i% a network ofdedicated line% for A' mac!ine% a re>e%t ma# not e %cce%%fll# carried ot
eca%e of com$licated re>e%t $roce%%ing. A %cce%%fl e=ection of a re>e%tneed% to e a$$roved from t!ree $lace%@
!e ranc! ;online< wit! w!ic! t!e c%tomer ;$lacing t!e re>e%t< !ave t!e accont.
'ain ranc! of t!at area ;cit#
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315.
ank c!e>e to tran%fer it online t!rog! near %itated Allied ank. "o t!e allied
ank cant tran%fer it to !ai ank via online. "o - recommend an idea t!at t!ere%!old e a networking among different ank% %o t!at t!e# can tran%fer fnd% via
online.
1893.
1&4. #.1# 6+ O*R$ $,$"6.
1895. A% all t!e ledger %#%tem and voc!er% are made manall# w!ic! i% a mc!
time con%ming /o and it al%o re>ire% mc! more effort% mo%t im$ortantl#
!man error c!ance% are t!ere t!at% w!# if t!e organiation im$lement D"AP-&A& '+)E in t!eir crrent %aving de$artment t!at will !el$ t!em
creating atomatic voc!er% and ledger if an# tran%action i% made # c%tomer
eca%e "AP !a% t!e ca$ailit# to kee$ all t!e record% of a an individal at /%t
one $lace and it !a% t!e ca$acit# to %tore mc! data.1896.
1&'. #.1' OO+I +O$1&&.1899. - !ave fond t!at t!ere i% no online facilit# to a$$l# for a loan. !ere a%
in ot!er ank% e%$eciall# in foreign ank% t!e c%tomer w!o !a% an accont in t!e
%ame ank can a$$l# for a loan t!rog! internet. "o t!at !e can %ave !i% timefrom going $!#%icall# to t!e ank.
1900.
1901.
1902.
1903.
1904.
1905.
1906.
1907.
1908.
1909.
1910.
1911.
1912.
113.
316.
31'.
318. 0
-
8/9/2019 Internship on AbL Bank
93/93
315.
1'1.1'1.1'1%. BIBIO#R"4;
1917.
1. '!!ammad Qo%af "!a!. Crade:1 officer.G A' coordinator onal office
Pe%!awar..
2. 'ian a!eed Crade:1 officer. Branc! manager C. road ranc!
3. %man Acontant Pawaka ranc! $e%!awar
4. Allied Bank )td Annal re$ort ;2007
7. http://555.googl*.com
1918.
1919.
1920.
1921.
122.
1923.1924.
314.
http://www.abl.com.pk/http://www.google.com/http://www.abl.com.pk/http://www.google.com/