During the period, I saw the strength of the organization is good dynamic environment, large deposits, automatic operation, online banking and Islamic banking. The weakness which is affecting the image of the bank is short number of branches, short number of employees no job speciation and satisfaction and centralize decision making, to overcome these weaknesses, the top management needs to focus on internal and external factors which affecting the bank and increase number of branches and employees and give special training to employees to perform their well and it is also necessary to promote the Islamic banking only in few branches this service is available and it should be expanded to other branches the bank should also increase their marketing activities to promote their products and services both at local and domestic level and launch different kind promotion schemes such like sales promotion, public relation and publicity. If Askari Commercial Bank Limited Mall Road, Mardan follow these guidelines and overcome their weakness it will achieve the new ways of successBrief Introduction of the sector of the organization Askari Commercial Bank Limited categorize in banking sector. The word Bank is of a European origin and is derived from the Italian word BANCO, which means a table or a counter. Bank is a financial institution licensed by the government. Its primary activity is to lend money. Many other financial activities were allowed over time. For example banks are important players in financial markets and offer financial services such as investment fund. The level of government regulation of the banking indmetry varies widely, with counties such as Iceland, the United Kingdom and the United States having relatively light regulation of the banking sector, and countries such as China having relatively heavier regulation (including stricter regulations regarding the level of reserves) 1947, banking in Pakistan was dominated by branches of British banks. The State Bank of Pakistan, the central bank, was formed after partition in 1948. It assumed the supervisory and monetary policy powers of the State Bank of India. In the period of 60s to 70s the emergence of a number of Specialized Development Finance Institutions (DFIs) such as Industrial Development Bank of Pakistan (IDBP) ademo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. The banking sector is categorized in different categories; Central, Commercial, Industrial and Investment Bank. Central Bank is banker of all banks and regulate the monetary policy. Commercial Bank mutually accepts deposits, makes business loans, and offers related services Agriculture Banks provides the loan for agriculture.Chapter 1 Overview demo demo demo History of Askari Commercial Bank limited The banking sector has witnessed a dramatic change during the last ten years with the development of Askari Bank, which is not only redefining priorities and focus of the banks, but also threatening the domination of traditional players. The story begins with the incorporation of Askari Commercial Bank Limited in Pakistan on October 09, 1991, Askdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. While capturing the target market share amongst the view banks, Askari has provided good value to its shareholders. Its share price has remained approximately 12% higher than the average share price of quoted banks during the last four years. Askari Bank has expanded into a nation wide presence of 83 Branches, and an Offshore Banking Unit in Bahrain. A shared network of over 800 online ATMs covering all major cities in Pakistan supports the delivery channels for customer service. As on December 31, 2004, the Bank had equity of Rs. 6.016 billion and total assets of Rs. 107.168 billion, with over 475,000 banking customers, serviced by a total staff of 2,118. Askari Bank is the only bank with its operational head office in the twin cities of Rawalpindi-Islamabad, which have relatively limited opportunities as compared to Karachi and Lahore. Thisdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Organization Hierarchy Chart Board demo demo Lt. Gen. Waseem Ahmed Ashraf - Chairman Lt. Gen. Imtiaz Hmesain - Chairman Executive Committee Lt. Gen. FAROOQdemo demo demo demo demo demo) Mr. M.Rafiq Mehkari - President & Chief Executive Brig (R) Muhammad Shiraz Baig - Director Brig (R) Asmatdemo demo demo demo demo Brig (R) Muhammad Bashir Baz - Director Brig (R) Shaukademo demo demo demo demo demo Mr. Zafar Alam Khan Sumbal - Director Mr. Kashif Mdemo demo demo demo Mr. Muhammad Najam Ali - Director Mr. Muhammaddemo demo demo demo Mr. Tariq Iqbal Khan - Director (NIT Nominee) Numberdemo demo Branch Totaldemo demo Year demo 28 demo6,808 Main officedemo demo demo demo City demo demo Abdalidemo demo 64/ A-1, demo demo demo demo 061-demo 061demo Baghbademo demo 6/7, Shalimar demo demo demo demo demo 042-demo demo 042demo Bahdemo 1-Noor Mademo demo demo demo 062-demo 062demo Bank Sdemo demo 47- Bank Sqdemo demo demo demo 042demo 042demo Bosan demo demo Plot 1802, Wardemo demo demo demo demo 061-6510435-37 061-6510438 demo 9-C, City Gate Mkt, College Road Burewala 067-3772206-8 067demo Chakwal Talagandemo demo demo 0543-553142-3 0543-601979 Chani Gdemo demo demo Uch Road Channi Goth Tehsil Ahmedpur East, Bahawalpur 062-2783008 062demo Chashma Plot No. 1,demo demo demo demo 0459-241544 045demodemo Kaif Gulbahahr Building , A.Q.Khan Chowk, Circular Road D.I. Khan 0966demo 0966-720184 demo 1276, Main Road Zafar Bazar, Daharki 072demo 0723-642260 demo Plot No. 9 D, Deh Odher Wali, Qadirpur Road, Opp Town Committee, Ghotki 072demo 0723-600526 Gujdemo B-III, 360/1, G.T.Road, Gujar Khan 0513demo demo 0513-515676 Gujdemo G.T Road Gujranwala 055-demo 055demo demo Hassan Pldemo demo demo demo 053-demo 053demo H.R.demo demo Bilal Plaza,demo demo demo demo 051-demo 051demo demo Shahrah-demo demo demo 0995demo demo 099demo demo 332-333, Sdemo demo demo demo 022-demo 022demo demo Ward No. 05, Qdemo demo demo demo demo 072demo 0722-650344 Jalaldemo demo Ghala Mandi Jalalpur Bhattian 0547-501013-4 054demoJhang Church Rdemo demo demo 047-7621150 047-7621050 demo Plot No. 225 & 226, Kohinoor Plaza, Old G.T Road, Jhellum Cantt 0544-720053-5 054demo Kandhkot Plot No. 29/demo demo demo demo 0722-572361& 67 072demo demo DAHA Plaza, Chowk Markazi, Khanewal 065-demo 065-9200273 demo Raza Building, Main G.T Road, Kharian Cantt 053demo Khurdemo Jumrah Road, Khurrianwala 041demo 041-4364030 demo Hangu Road, Kohat Cantt 0922-demo demo 0922-510912 demo G.T Road, Lalammea 0537demo 053demo demo Buder demo demo 074-demo 074demo Mandidemo demo Dr. Sakina Rdemo demo demo demo demo 0300demo demo Mall demo demo 068-demo 068demodemo The Maldemo demo demo 0937demo demo 0937demo Mingdemo Opp Park Hotel , Maademo demo demo demo demo demo demo demo 0946demo 0946-713361 Mirdemo Nathia Building, Chowk Shaheedan, Mirpur AJ & K 058610-45451-2 0586demo Mirpur Khas C.S 835, Ward Bdemo demo demo demo demo demo 0231-9290335 0231-9290331 demo Katchary Road, Nawab Shah 0244-9370460-4 0244demo Okara Chak No. 2-42,demo demo demo demo demo demo 0442-529973-4 044demo Okademo 5/ H2, Classic Complex Ilam Din Shahdeed Road , Okara Cantt 044demo 044-2881740 Peoples demo demo demo Peoples Colony, Faisalabad 041-demo 041-8739321 Peshdemo Bank Square, Chowk Yadgar, Peshawar 091-demo 091-2561245 Peshademo demo 3-7, Fakhr-e-Alam Road, Cantt Plaza Branch, Peshawar 091-demo demo 091- 5276391 Phodemo Plot Khasra No. 1193, Main Multan Road, Distt, Kasur 0494demo 049demoQuetdemo M.A Jindemo demo demo 081-demo 081demo Ravi demo demo 35-Main demo demo demo 042demo 042demo demo 78-D, Allama Iqdemo demo demo demo demo demo 068-demo 068demo demo 48/ B & B 1, demo demo demo demo demo 040-demo 040demo demo 80-Club Road,demo demo demo demo demo 048demo 048-3725240 Shahddemo demo N-127R-70C, Opp Rmetum Sohrab Cycle Factory, Sheikhupura Road, Shahdhara 042-7919302-5 042demo Shahra-e- Noor, Hyderabad C.S. Nos. 2611/1&2611/demo demo demo demo demo demo demo demo 022-2784852 022-2613193 Shedemo Property No. B-IX-6S-44, Main Lahore Sargodha Road, Sheikhupura 056-3788031& 71 056demo Sialkot Cantt Tariq Rodemo demo demo 052-4299001-3 052demo Sialkodemo demo Paris Road Sialkot 052-demo 052-4265532 demo Sarafa Bazar, Sukkur 071-demo demo 071-5627219Tobademo demo 596- Mohallah Chamra Mandi, Jhang Road, Toba Tek Singh 0462demo 0462-516142 Uni, Rdemo demo University Road, Faisalabad 041-demo demo 041-9201006 demo 13, E Block, Karkahna Bazar, Vehari 067-demo 067demo demo POF Hotel demo demo demo demo 051demoMOTIVATION Odemo demo demo demo While successfully penetrating the key domestic markets through strategic expansion and business diversification they remain alive to the challenge emanatdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Historically, Askaris core marketing focus for its asset base has been the middle and upper middle business houses (including wholesalers and manufacturers) odemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Their corporate banking division was established in April 1999 with the primary focus on servicing large corporate and multi-national companies (MNCs). Benefitidemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. With this branch network of 75 and further expected increase in future, the ATMs facility and internet Banking, Askari Banks reach is ever increasing. In recognition of this rdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Askari Commercial Bank is the only Private Sector bank that has been approved by the World Bank ademo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demodemo. Askari's emphasis on further broadening its core foreign trade business translated into handling a higher volume of Export anddemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Awards demo demo demo Askari Bank continues its success in competition. Recently we have once again been given the Best Retail Bank in Pakistan by The Asian Banker for the 2nd codemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. We have been given The Best Bank in Pakistan award by Global Finance magazine twice i.e. for the years 2001 and 2002. We have been given the Best Consumer Internet Bank award by Global Finance magazine for the years 2002 and 2003. We won the Euro money and Asia money awards as early as 1994, 1996 and 1997. We have A1+, the highest possible credit rating, for short-term obligademo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Missiodemo demo To be the leading private sector bank in Pakistan with an international presence, delivering quality service through innovativedemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo nature odemo demo demo ACBL is private sector bank and is categorized in commercial bank. Commercial bank refers to a bank or a division of a bank primarily dealing with deposits and loans from corporations or large businessedemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Business vdemo demo demo demo Business volume of Askari Commercial Bank Limited Mall Road, Mardan is 270 million rupees. Overall Business volume Total asdemo demo demo Total liabilities861,887 Net assets 326,358Total revenue and profit after tax for the ninedemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. chapter 2 Introduction of All departments Remittademo demo demo Customer Service Center Cash Department Clearidemo demo Account Department Marketing Department I.T demo demo Credit Department Auto Finance Department Agriculdemo demo demo Human Resource Department Remittademo demo demoThe function of remittance demo demo demo demo demo demo demo demo demo demo demo Pay Order Demademo Pay slip Telegrdemo demo Payment of Remittances Cancellation demo demo demo demo demo The remittance department deals with the transfer of money from one place to another. This department deals with the local currency transfer only. ACBL provides these services to both customers & non-customers Customedemo demo demoCustomer service Department performs the following duties. Give brief informatidemo demo demo demo demo demo demo demo Account openingProvide service todemo demo demo demo demo demo demo Issuing the cheque book Issue Debitdemo demo demo demo Locker record keeping Computerize record kedemo demo demo demo demo demo demo demo Clearing DepartmentThe word clearing has been derived from the word Clear and is defined as a system by which banks edemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Cleademo demo It is a place where representatives of all banks sit together and interchange their claims against each other widemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Rules and Regdemo demo demo demo demo Timing:(Mdemo demo demo) i. 1st Cledemo demo demo demo. ii. 2nd Cdemo demo demo demo. Accoundemo demoAccount department is responsible for budgeting and account opening all the transaction that are take place in the bank demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Account department work as a backbone of the organization this department directaly repdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo I.T demo demoThe computer has changed the way of working now all the departments of Ademo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Verification of N.I.Cdemo demo demo demo demo demo demo demo Computerize rdemo demo demo demo demo Generate report demo demo demo demo demo demo Maintain the LAN and demo demo demo demo demo demo demo demo Creditdemo demoCredit Department deals with arrangement by which a buyerdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Compdemo demo Persodemo demo Mortgdemo demo Business Finance Auto Finance DepartmentAuto finance Department offers me the most codemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Product Features: Borrower: Resident demo demo demo Facility: Termdemo demo Financing Limits: Rs: 100,00demo demo demo demo Repayment: Monthldemo demo Markup Rates:Comdemo Ballodemo demo Available Minimdemo demo Salaried: Rs: 10,000/-, Self Employed Businessman: Rs: 25,000/Chardemo demo As Per current Schedule of Charges Auto demo demo Mandatory Finandemo demo Up to 7 yearsAgriculdemo demo demoThe head of agriculture department is Ali Ahmed it Provide the different kind of loan to the Kissan or former it include Kissan Edemo demo demo Kissan Tractor Finance Kissan Ademo demo demo Kissan Livestock Development Finance Kissan Farmdemo demo demo demo Kissan Transport Finance Consumer demo demo demoConsumer Finance Department provides Business Loan ranging from 50000050000000 The rate of interest charged by the bank is 21% (twenty one percent) whichis lower as compare to the other competitor. Comments Ondemo demo demo demo Organizdemo demo demo The formal pattern of hodemo demo demo demo demo demo demo demo demo Departdemo demo The basis whidemo demo demo demo demo Chaindemo demo Is the continuous line of authority that extedemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Centralizatdemo demo demo demo Decision making idemo demo demo demo demo demo Span demo demo The number of subordinatedemo demo demo demo demo demo demo demo demo demo In my personal point of view the structure of Askari Commercial Bank Limited is simple dynamic and centralized decision making all the dedemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. demo demo demo demo demo demo demo demo Centralize decision making make the distance between the top level and lower level manager the jobs responsibilities and divided by the department budemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Plan of demo demo demo I am very thank full to Askari Commercialdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Starting anddemo demo demo demo demo Starting date of internshdemo demo demo demo demo demo demo demo demo demo Departmentsdemo demo demo demo S.No. Name demo demo demo demo 1 Customer Service 20Feb 5March 2 Account Department 6March 15March 3 Clearing Ddemo demo demo demo demo 4 Cash Department 27 March 5April Detailed description of the project assigned Customer Sedemo demo demo demo Account Department Clearing Department Cash Departdemo demo demo demo Customer Service Customer service Department performs the following duties: Give brief informatidemo demo demo demo demo demo demo demo Account opening Provide service to customer such as filling the forma Issuing demo demo demo Issue Debit card and credit card Locker record keeping Computerize record kedemo demo demo demo demo demo demo demo Give brief information about different account to customerIt is the duty of customer service department to provide information demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Current account (Business Transaction) Saving accoundemo demo demo demo demo) Askari special deposit account (Student) Askari evergreendemo demo demo demo demo demo) Unique (Salary Person) Accoudemo demo Account Opening Procedure Know Ydemo demo The objective of knowing a customer is to have a fair idea about the identity, financial resources, and general information about the customer at the time when the relationship is established. A banker must have following information about the customer: Custdemo Enter complete name as mentioned in original ID card /other business documents. Nature of demo demo demo demo If customer is of salaried class enter his employer name. If the customer is a bmeinessman, trader, sole proprietor, enter the business name, for example Jamil Tradersetc.also enter the customers title/position and address of the business/employer. Address with P.O.BOX is not acceptable. Similarly remarks like Private service, business are not acceptable, rather specify what type of company/business the customer is associated with for example Manager Philips Electrical Company. demo Enter the complete business/residential address. With in the brackets you may also provide prominent address identification marks for ease of physically locating the address. Contademo demo Enter home, official, mobile, fax number and e-mail address (if available). Banker can verify the number by giving the customer a courtesy call or by sending him a e-mail. Other/ secodemo demo demo demo Some customer may volunteer their parents or siblings addressor second home address or a mailing address other than a permanent address. Existindemo demo demo Almost most all the bankers usually have a banking relationship with another bank. In case of customer who ddemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Sourcdemo demo Now the state bank of Pakistan has also add the regulation that to know aboutdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Issuingdemo demo demo When the account odemo demo demo demo demo demo demo duty of the customer service department is to issue the cheque book to the customer also the previous account holder the procedure of the issuidemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Issue Debitdemo demo demo demoIt is also the duty of CD department to issue the debit and credit to ademo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Clearindemo demo Meanindemo demo The word clearing has been derived from the word Clear and is defined as a system by which banks edemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. 1. Since clearing does not involve any cash etc. demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. 2. No cash is needed as such the demo demo demo demo demo demo demo demo demo demo demo demo demo. 3. As major payments are made through clearingdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. 4. A lot of tidemo demo demo demo demo. 5. Since it provides an extra service to the customer odemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Cleademo demo It is a place where representatives of all banks sit together and interchange their claims against each other widemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Rules and redemo demo demo demo demo Timing:(Modemo demo demo demo) i. 1st Clearing at 10:00 a.m. ii. 2nd Clearing at 2.30 p.m. Each bank will send comdemo demo demo demo demo demo demo demo demo. Each bank is required to insure that all cheques and other negotiable instruments are properly stamped and suitably discharged An objection memo must accompany each and every cheque when return unpaid duly initialed. Each bank is required to maintain suffidemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Outward clearing at the branch The following points are to be taken into consideration while an instrument is accepted at the counter to be presented in outward clearing: The name of the brandemo demo demo demo demo demo demo demo. It should be stale or post dated or without date. Amount in words and figures does not differ. Signature of the drademo demo demo demo demo demo demo demo. Instrument is not mutilated. There should be no material alteration, if so, it should be properly authenticated. If order instrument suitablydemo demo demo demo demo demo demo demo demo demo demo. Endorsement is in accordance with the crossing if any. The amount of the instrument is same as mentioned on the paying-in-slip and counterfoil. The title of the account on the payingdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo.If an instrument is in order than our bank special crossing stamp is affixed across the face of the instrument. Clearing stamp is affixed on the face of the instruments, paying-in-slip and counterfoil (The stamp is affixed in such a manner that half appears on counterfoil and paying-in-slip). The instrument is suitably discharged, where a bearer cheque does not require any discharge and also an instrument in favor a bank not need be discharged. The instrument along with pay-in-slip is retained demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo 1. The particulars of the instrument and the pay-in-slip or credit voucher are entered in the outward clearing register. 2. Serial no.demo demo demo demo demo. 3. The register is balanced; the credit vouchers are balanced from the instruments and are released to the respective departments against acknowledgement in the register. 4. The instrumdemo demo demo demo demo. 5. The schedules are prepared in triplicate, two copies which are attached with the relevant instrument and the third is kept as office copy. 6. The house page idemo demo demo demo demo demo demo demo. 7. The schedules and house pages are signed by the house incharge with branch stamp. 8. The grand total of the house pdemo demo demo demo demo demo demo demo demo demo demo demo demo. 9. The instrument along with duplicate schedule and house page are sent to the main office. However the amount is kept in float till findemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. The entry of the instrument returned unpaid is made in Cheques returned Register. If the instrument is not to be presented again in clearing then a covering memo is prepared. The covering memo along with returned instrument and objection memo is sent to the customer who sent the same to his account. Inward Cledemo demo demo demo 1. The particulars of the instruments are compared with the list. 2. The instruments ademo demo demo demo demo demo demo demo. 3. The entry is made in the inward clearing register (serial no. Instrument no. Account no. is written). 4. The instruments demo demo demo demo demo demo demo 5. The instruments are scrutinized in each respect before honoring the same. Outward Chdemo demo demo demo These are the cheque returned unpaid by me in inward clearing. due to some objections. Inward Chedemo demo demo demo These are the cheques retained undemo demo demo demo demo demo demo demo demo demo demo demo demo Cash demo demo The cash department is the most important department of the bank. It receives cash fromdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Normally cash depdemo demo demo demo demo demo demo demo demo Act according demo demo demo demo demo Transfer of fundemo demo demo demo demo demo Handldemo demoVerificademo demo demo demo Handlindemo demo demo The task which is assigned to me in the cash department is that sort the rupees and exclude the affected or damage note and make the bundle or copy [pdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo 1000*demo demo 500*demo 100*demo Totaldemo demo Third the task which is assigned to me is that record the detail of vdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Deposit Cashdemo demo demo demo When the customer want to deposit amount in his account at opening of account or after that then he has tdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Make Payments from Customers Account:When the customer draws a cheque on the bank to pay a certain amount then teller will debit the customers account that shows reduction in his account balance. Cheque pdemo demo demo Cheque Encashment are made in four steps, these are:1. Receiving of Cheques 2. Verifidemo demo demo 3. Computer Terminal Process 4. Payment of Cash demo Product Line Askari Commercial Bank offers services in four main sectors. Agricudemo demo Consumer Banking Branch Banking Islamdemo demo Under these four sectors, the bank offers a range of product line. Agriculture Banking Kissan Edemo demo demo Kissan Tractor Finance Kissan Ademo demo demo Kissan Livestock Development Finance Kissan Farmdemo demo demo demo Branch Banking Deposit demo demo demo Investment Certificates Askari Mademo demo demo Roshan Mustaqbil Deposit Value Pldemo demo demo Paishgi Munafa Account Rupee Tdemo demo demoConsumer Banking demo Visa Debit Card Mortgdemo demo Personal Finance Masdemo Islamic Banking Ijarahdemo demo Home Musharakah Askari Rosdemo demo demo demo Askari Bank has launched the Askari Roshan Mustaqbil Deposit, a saving plan specially designed for individual investors who wish to invest now for a regular return at a lademo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Multipdemo demo This account is for individual investors whose purpose is long term savings with hdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Value of initial investment odemo demo demo demo demo demo demo demo demo demo demo Value demo demo Askari Bank leads the way, yet again with the introduction demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Now you can open a "Value Plus Acdemo demo demo demo demo demo demo demo demo demo demo demo demo Askdemo Askari Debit Card means freedom, comfort, convenience and security, so that you can have retail transactions with completedemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Traveldemo demo Askari Bank Limited has always remained at forefront in introducing innovativedemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Askari Bank offers you its "Rupee Travelers Cheque" eliminademo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demoSmademo This personal ldemo demo demo demo demo demo With a specifieddemo demo demo demo demo demo Persodemo demo Personal Finance is a parameter driven product for catering to the needs of the general public belonging to different segments. One candemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Mortgdemo demo Askari "Mortgage Finance" offers the convenience of owning a house of chdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Busindemo demo ACBL is providing loans to small and medium size business enterprises under Askari Bank's Business Finance Scheme. The goal of ACBL is to offer a loan, which enables business community to receive the financing required by them based on their cash flows. demo Brand Protifolio Askari Commercial Bank target four different markets with different needs and wants every market can be segment by product and consumer expectation The brand portfolio is the set of all brands and brand lines that a particular firm offers for sale to buyers in a particular category. Thus, a brand portfolio would be one particular column of the matrix. Different brands may be designed and marketed to appeal to different market segments. Askari Commercial Bank has four different product and Islamic banking consumer banking product agriculture finance solution and corporate investment banking and provide a rang of different product in these markets according to customer needs. Strategies of bdemo demo demo demo demo demo Askari Commercial Bank use umbrella brand strategy the same brand name support several different product in different market such like the name of the brand is askari commercial bank and it offer a range of product in different market such like Askari rupee traveler cheque and Askari smart cash An umbrella brand is a brand that covers diverse kinds of products which are more or less related Umbrella branding can be a successful marketing strategy. However, this depends on having a consistent and clear brand identity across the variants. It also needs to be recognized that, while this approach can help kick start variant launches, halo effects are not guaranteed. Only around a quarter of variant ads benefit other variants within the portfolio so it is usually necessary to support individual variant launches. The main advantages of Umbrella brand strategy are One can capitalize on the strength odemo demo demo demo demo demo demo demo demo demo demo demo demo demo. The almost immediate goodwill can be generated only if the brand is well known And enjoys great reputation like the brands mentioned above. Firms of great reputationdemo demo demo demo demo demo demo demo demo demo Enter markets where they were not present before. In present days over-communicated era, this is a tremendous advantage givenThe fact that the cost odemo demo demo demo demo demo demo demo demo Companies The drawbacks are of Umbrella brand strategy is: Any product can negatively affect the odemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Clients of Mardan Branch The Punjdemo demo demo Aziz Bhatti Armi College F.G Hdemo demo Premier Sugar Mills & Distillery Company Ltd. Madni Pacdemo demo demo Inam Printing Press Aimademo Dr. Sajid Islam (Medical Specialist) Dr. Naveed Khandemo demo demo demo demo demo) Dr. Muhammad Iqbal (Skin Specialist) And hundreds of other orgademo demo demo demo demo demo demo demo demo demo. Competitors A) Public Sdemo demo demo demo 1. First Women Bank Ltd 2. Nationdemo demo demo 3. The Bank of Punjab B) Localdemo demo demo 1. Allied Bank Ltd 3. Bankdemo demo. 4. Faysal Bank Ltd. 5. Habdemo demo. 6. KAdemo demo. 7. Meedemo demo. 8. Metrodemo demo demo 9. MCdemo demo. 10. Saudi-Pdemo demo demo demo. 11. Sodemo demo. 12. Undemo demo C) Fordemo demo 1. Standardemo demo demo demo. 2. Bankdemo demo. D) Specdemo demo demo 1. Zarai Tardemo demo demo demo demo Structure ofdemo demo demo demo demo When I talk about the structure of marketing department in ACBL it is very cdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo The Marketingdemo demo demo demo demo Branch manger operational manger and business development officer are partially involved in the marketing and get grant from head office to promote their promotional activities such as banner advertisement social marketing and public relation and Customer service credit consumer finance and Agdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demodemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. The Marketing Departments of Askari Commercial Bank are agriculture department, auto finance department, consumer finance department and customers services departments thedemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Departdemo demo Marketdemo demo Before discussing marketing operation of Askari Commercial Bank I want to clarify Marketing and the Marketing Department are two different things. Marketing mightdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Marketing involves a range of processes concerned with finding out what consumers want, and then providing it for them. This involves four key elements, which are referred to as the 4P's (the marketing mix). A useful starting point therefore is to carry out market research to find out about customer requirements in relation to the 4Ps. Marketing operation of Askademo demo demo demo demo demo demo demo demo demo demo And provide the right product and right price and right place our R.Y.K branch of Askari Commercial Bank is mainly focus on how to aware the customer about the product and service and convert their need into demand to aware the customer or target audience the organization use different promotion scheme such Advertisement banner internet and newspaper and convey their message to target audience Askari Commercial Bank use different marketing strategies to avail the opportunity to full fill the consumer demand and it lunch different kinds of scheme Askari Bank is financing products of different companies, which would benefit those people who can only afford to budemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. The top management must continuously Focus on the Customer, Monitor the Competition, Find & Direct outside Vendors, Create New Ideas to attract customer and Set the Strategy, Plan the Attack, and Execute To attract the customer. Askari Commercial Bank offer different types of product and service according to customer need Wants and expectation Marketing operation are performed by the employees working in these departments like auto finance department, agriculture department, consumer financing department and customer service department. The target of this bank is to increase in the deposit of the bank as compared to competitors. The employee is very talented and knows the value of customer for example in agriculture department the head and junior officer provide detail about the agriculture products and they do marketing in the shape of banners new ad and try to create the attraction of the customer toward the organization and the auto finance department, employees provides information about the auto financing and in the consumer financing department employees areresponsible to do the marketing operations for consumer financing. Promotion is done through media like TV and Newspaper. People see the Ad of different types of accounts of the bank. The main source of advertisement of the Askari bank is the internet. The Askari bank has very attractive website anyone can access this website and collect all the details about the products and services of the bank. Functions ofdemo demo demo demo demo Following are the functions of marketing Department: Focus on the Customer Monitordemo demo demo Own the Brand Find & Direct Outside Vendors. Creatdemo demo. Communicate Internally. Manage a Budget. Undersdemo demo. Set the Strategy, Plan the Attack, and Execute. Segmentdemo demo Askari Commercial Bank segment their market geographical demographic and Niche marketing Askari bank belongs to Pakistan Army, and the size of the this market is very small as compares to other markets so the niche market for Askari Bank is Pakistan Army and there is no competitor belong to this segment. The Bank offers Islamic banking free of interest rate and for secular group it offers the commercial banking in demographic segment. The Bank has divided its market into age income religious group occupation and nationality.Askari Commercial Bank offers different products for different segments and target customers in demographic segment it divided the market into agedemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Kissan Ever Green Finance Kissan demo demo demo Kissan Aabpashi Finance Kissan Livesdemo demo demo demo demo Kissan Farm Mechanization Finance Kissan Tdemo demo demo Target marketing strategy The focus of marketing effort is people. The goal is to reach a subset of the population who may be interested in your pdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo All Army related institutions Customerdemo demo demo Kissan Customer whodemo demo demo demo demo All agriculture related communities Customer ddemo demo demo demoSchool college and business industries Financdemo demo Consumer having interest to purchase on leasing Religious groupdemo demo demo demo demo demo Group of people needs to demo demo demo demo demo demo demo demo demo demo The term target market is used because that market is the target at which you aim all your marketing efforts. The markets you are trying to reach are people with common characteristidemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Product plannidemo demo demo demo demo In simple words product planning is making decdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. When any new product is launched by the Askari Commercial Bank the planning development and management demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Before Lunching the new product management will continuously observe the market need and wants and plan for the product that can achieve the organization goals and objective Companies must be constantly modifying exisdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. The management should keep the following poindemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo The first two stages provide a focdemo demo demo demo demo demo demo demo demo demo demo demo demo. The next three stages demo demo demo demo demo demo demo demo. must satisfdemo demo demo demo must be compatidemo demo demo demo demo demo must fit with tdemo demo demo demo demo demo should also be compatible with production demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Product management is an organizational lifecycle function within a company dealing with the planning or marketing of a product or products at all stages of the product lifecycle. Product management (inbound focused) and product marketing (outbound focused) are different yet complementary efforts with the objective of maximizing sales revenues, market share, and profidemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demodemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Posdemo In marketing, positioning has come to mean the process by which marketers try to create an image or identity in the minds of their target market demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Askari commercial Bank has strong positioning in the mind of their customer or target market due to its product unique attribute characteristic feature and superior service. Top management always try to didemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. ACBL new slogan reflects customer service philosophy and provide them 24/7 information through online and call center and listen customer complaint and provide them For submitting an online complaint regarding bankdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. 1 product = 1 markedemo demo demo demo demo demo demo. Positioning is based on idea that customer keep in mind the positioning of Askari Commercial Bank toward the customer is that it is only bank which provide convince and dynamic environment to their custdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Askari commercial Bank has strong positioning in the mind of their customer or target market due to its product unique attribute characteristic feature and superior service. It is necessary to keep in mind that each product and service has its own positioning in the mind of customer. To create strong positioning of organization and its product and service the ACBL limidemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Pricing strategy Pricing is one of the four Ps of the marketing mix. The other three aspects are product, promotion, and place. Price is the only revenue generating element amongst the 4ps, the rest being cost centers. Askari commercial bank use different price strategy for different products and service to Achieve the organization Financial goals for each product it use differentdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demodemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Following are the possible pricing objectives a) Survival b) Maximdemo demo demo, c) Maximum market share, d) Maximum market skimming, e) Productdemo demo demo demo. When the management set its marketing objective its position in the market and the product nature where it is a innovative product and create monopoly in the market when the top management set its pricing objective then stage of setting the price of the product come Following are the steps in setting price for a product: 1. Selectingdemo demo demo demo; 2. Determining the consumers' demand; 3. Estimating costs; 4. analyzing the cdemo demo demo demo demo demo demo; 5. Selecting a pricing method; 6. Selectdemo demo demo demo. ACBL see the nature of product and charge price according to product if the product is innovative it charge higher margin before launching the new product the top management must see and analyze the demand of product and estimate its costs analyzing competition cost price and offer and then choose a pricing strategy according to company objective Askari commercial bank has different product and services each is based on its own target market and expectation toward the customer price is only key which generate the revenue for the organization to achieve its financial objective and the success and failure of product and service is depend on the price strategy the detail of some product and service and their marketing strategy is given below Produdemo demo Strategy demo Kissan demo demo demo Cost-plme pricing Price = Cost ofdemo demo demo demo demo demo Electronicdemo demo demo demo Market-oriented pricing Setting a price based upon analysis demo demo demo demo demo demo demo demo demo demo demo demo demo demo Persondemo demo Price discrimination Charge different pricdemo demo demo demo demo demo demo demo Agricudemo demo Product line pricing Askari Commercial Bank ofdemo demo demo demo demo demo demo demo demo demo Kissan Edemo demo demo Kissan demo demo demo Kissan demo demo demoDeposit demo demo demo demo Premidemo demo Premium pricing is the practice of keeping the pridemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Askari Rudemo demo demo demo Targdemo demo Pricing method whereby the selling price of a producdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Askersdemo demo Competiodemo demo demo Charge the prdemo demo demo demo demo Pricedemo demo Islamdemo demo Competidemo demo demo Charge the prdemo demo demo demo demo Pricdemo demo The detail of product and service and thedemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo SAFE DEdemo demo Fee for safe deposit lockers (to be recovered in advance or at the commencement of the period yearly/half yearly/quarterly as the case may be) i) Small Rs. 1,200 p.a. ii) Medium demo demo demo demo demo demo demo demo demo demo. iii) Large Rs. 3,000 p.a iv) Extra Large XL (16x 16) Rs. 3,750 p.a v) Extra Large Xdemo demo demo demo demo demo demo charge price according to usage or service Utility Bills (PTCL, WAPDA, SNGPL) a. Service Chargedemo demo demo demo demo demo demo Charge a fix fee for every customer AGRICULTURE BANKING Processing Fee for folldemo demo demo demo demo demo demo demo demo demo i) ii) iii) iv) v) vi) vii) viii) ix) x) xi) xii) xiii) Askari Kissan Evergreen Finance. Askari demo demo demo demo. Askari Kissan Farm Mechanization. Askari Kissan Livestock Development Finance Askari Kdemo demo demo demo Askari Kissan Transport Finance Askari Kissdemo demo demo demo demo demo Askari Kissan Farm Storage Finance Askari Kdemo demo demo demo demo Askari Kissan Gold Fish Finance. Askari Kdemo demo demo demo demo Askari Kissan Murghban Finance Askardemo demo demo demoxiv) xv)Askari Kissan Samar Bahisht Finance Asademo demo demo.2. Service charges on delayed payment of markup/Installment of TF/rollover demo demo demo demo demo demo. i) overdue by 31 days to 60 days Rs. 500/- (flat) ii) overdue by 61 days todemo demo demo demo demo demo demo demo demo demo) iii) overdue (past) 90 days Rs. 1,500/- or Rs. 0.46/1000 on daily product (whichever is higher) 3. Transfer of Facilidemo demo demo demo demo demo demo demo demo demo) 4. Amendments in terms of approval Rs. 500/- (flat) Provide a rage of product and sdemo demo demo demo demo demo demo demo demo demo demo demo Retail banking Persondemo demo a. Processing fee for civilians i) Clean 1.20% demo demo demo demo demo demo demo demo demo demo (Including ledemo demo demo demo demo) ii) Secured 1.20%demo demo demo demo demo demo demo demo (Legal & documdemo demo demo demo demo demo) b. Processing fedemo demo demo demo demo demo i) Clean - 1demo demo demo demo demo demo demo demo (Including ledemo demo demo demo demo) ii) Secured - 1.20%demo demo demo demo demo demo demo demo (Legal & docudemo demo demo demo demo) Smademo a. Procdemo demo i) Clean - 1.20% ofdemo demo demo demo demo demo demo demo demo demo (Including ledemo demo demo demo demo) ii) Secured - 1.20% demo demo demo demo demo demo demo demo (Legal & docudemo demo demo demo demo) Mortgdemo demo a. Processing Fee demo demo demo demo demo demo demo demo demo demo) b. Legal/docudemo demo demo demo demo Estimation charges demo demo demo demo demo demo demo demo demo demo c. Enhancement Charges demo demo demo demo demo demo demo demo demo) d. Late Payment Charges demo demo demo demo demo demo demo demo demo demo f. Premature Termination Charges a) In case of early settlement by the borrower charges will be Applicable demo demo demo demo i) 1stYear: Unto 6% on outstanding balance ii) 2ndYear: Up to 5% on outstanding balance iii) 3rdYear onwademo demo demo demo demo demo demo. b) Upto 10% of the outstanding balance, in case of balance Transferred to other bank, irrespective of the time period Balloon Payment allodemo demo demo demo demo demo demo demo The outstanding balance in a year Additional balloon Payment be up to 5.5% charges on the amount being paid Businedemo demo Processing Fee Rs.5, 500/- (Flat) Legal/documentation/valuation/income Estimation charges demo demo demo demo demo demo demo demo Renewal Fee Rs.5, 500/- (Flat)Enhancement Charges Rs.5, 500/- (Flat) Cheque Return Chargedemo demo demo demo demo demo demo demo) Late Payment Charges 21% of the overdue am Premature Terminatdemo demo demo demo demo demo demo. Auto Finance a. Processing Fee demo demo demo demo demo demo demo demo demo demo demo demo) b. Legal/documentation/valuation/income Estimation cdemo demo demo demo c. Premature Termination Charges Up to 6.5% of the outstanding loan amount d. Baloon Payment 15%demo demo demo demo demo demo demo demo demo demo demo Charges on the amount being paid (balloon payment amount) e. Cheque Returdemo demo demo demo demo demo f. Late Payment Charges Rs.600/The price is based on codemo demo demo demo demo demo demo demo demo Distribution Strategy Distribution or place is one of the four elements of marketing mix. An organizatdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. ACBL has 150 branches through which it offers services to its clients. The distribution channels are its employees who deal with customers. Distribution strategy of banking sector is different from consumer consumable product Askri commercial bank use its own distribution channel to promote their product when any product is lunched by Askari Commercial Bank to make the product available to final user it is distributed to its all branches Askari Commercial Bank has one fifty branches where customer can avail product and service and also gain information related to product and service Askari Bank has expanded into a nationwide presence of 150 branches, and an offshore banking Unit in Bahrain. A shared network of over 1,100 online ATMs covering all major cities in Pakistan supports the delivery channels for customer service. Askari Commercial Bank use selective distribution strategy it has only a few outlet in geographical area to provide is only one branch of Askari Commercialdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Advantages Better market codemo demo demo demo demo demo More control and less cost than intensive distribution Maximize demo demo demo demo Enhance products image & allow higher markups Promotes loydemo demo demo demo Disademo demo May not covdemo demo demo demo Difficult to select demo demo demo demo demo demo demo demo Promotdemo demo Promotion is a form of corporate communication that uses various methods to reach a targeted audience widemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Under the concept of Integrated Marketing Communication ACBL attempt to develop aunified promotional strategy indemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo The purpose and objectives fdemo demo demo demo demo demo demo demo demo demo demo Builddemo demo Creatdemo demo. Providdemo demo Stimuldemo demo. Reinfodemo demo Promotionaldemo demo demo demo Advedemo The main source used by ACBL is advertisement it involves non-personal, mostly paid promotions demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Bildemo Another source used by ACBL to convey message is billboard thedemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Brodemo The Bank publishes various brochures for the general guidance odemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Persodemo demo Personal selling is also a norm at the Bank. The branch has well learned sales executives i.e., Business alumnae. Personal selling is used both for attracting individual and corporate clients Internet Askari Commercial Bank use internet as a promotion tool to convey the messdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Social marketing ACBL has made generous contribution in the area of sport culture poverty woman & child care health & medical science human development and scientific research ACBL sponsored international squash tournaments were professional from all over the world participated Askari commercial has also sponsored other sports tournament include Golf at both amateur and professional level the bank has also contribute toward awareness program for AIDS water conservation and blindness and has promoted the country 's cause on international forum by cosponsoring the first interactive encyclopedia of Pakistan. Publidemo demo The most popular tool use by the banker and manger to increase their deposit crate awareness and loyalty public relation s also tool of promotion Publicity This type of promotion uses third-party sources, and particularly the news media, to offer demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Structure of the Sales Departments When we talk about the structure of sale department in Askari Commercial Bank Limited the Auto financing department, Agriculture department, Consumer finance and credit department are the sale departments of Askari bank commercial bank.They sell their prdemo demo demo demo demo demo demo Department hierarchy There is no sprat sale department in Askari Commercial Bank Limited Mall Road, Mardan each department sales its own product and service the product and service sold by the department customer service credit customer finance and auto finance department in consumer consumable products companies like Lever Broth of Pakistan there is only one sale department that sell the product of the organization but in banking sector it is different each department sell its product and services Ndemo demo demo demo demo demo demo demo demo Department Name Numberdemo demo Agriculdemo demo demo 3 Credidemo demo 3 Auto fidemo demo demo 2 Consumer demo demo demo 1 Customer demo demo demo 2 Total nudemo demo demo 11 Salesdemo demo The sale departments perform the sale operation sale departments is Askari Commercial Bank Limited are the auto finance department, agriculture department and consumer finance department is they first marketing of their products and services and after that they sell their products to customers each of these department are individually or separately involved in the marketing and sell their product and service customer finance. Department open different account to customer and provide them service give them detail information about their producdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo All these department work as a uniformed to sell their product and service support and promote each other product The employees in auto finance department personally meet with customers and tell all detail about the interest rates of different cars and catch the attention of the customer towards their product. The consumer finance department head is also personally meet with business class customers and tells all detail to customers about loaning of the product and they also contact with customer through telephone calls, give broachers to customers for selling of the product. The selling function is an important element of the overall marketing process. In many instances, some component of the Markdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demodemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Function of sales department The function of sale department is to sell the product and service of the organization and the focus of a sales department is to co ordinate sales activities to meet the customer demand with appropriate supply. The next is to increase the sales voldemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Sales are the activities involved in providing products or services in return for money or other compensation. The marketing department generates potential customers and, it can be beneficial for sales. The marketing department's goal is to bring people to the sales team using promotional techniques such as advertising, sales promotion, publicity, and public relations. The function of sale department is not to see the product and service to customer but also satisfy other factor and provide them special attention because the sale is performed by customer and it will be repeated if the customer is satisfied. In ACBL the marketing department is structured in a similar fashion to the sales department and the managers odemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Salesdemo demo Sale department is back bone of any organization No organization exists without the sale departmentdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. The operational manager and the head of sale departments do the personal selling to sell their products because lot of competitors in the market and they meet personally with customers to convince the customers and sell the produdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. The selling function is an important element of the overall marketing process. Many organizations establish a separate sales function, apart from other elements of the demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo" Sale departments in Askari Commercial Bank are Auto finance, credit consumer finance that sell the product and service to the consumer. The operational manager and the head of sale departments do the personal selling to sell their products to ldemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demodemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Type demo demo Selling is art and science bdemo demo demo demo demo demo demo demo demo demo demo. The most of selling of Askari Commercial Bank product is through the operdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Personal selling, however, is far more costly than advertising and is generally used onldemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo The operational manager and the head of sale departments do the personal selling tdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Sales redemo demo demo The sale return procedure is if the customer wants to close his account in the bank if any customdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. If the customer is want to sell the product like car and tractor or any other service such like processing fee it is not returnable bank charge fee for their service that is not returnable for exampdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Critidemo demo During the eight week of the internship the weakness which I observe in Askari Commercial Bank is that short number of employee and branches there is only one branch of Askari Commercial Bank in district Mardan the bank has ondemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. During the internship I fell that there is a bridge between educational and professional life The thinks that we read andemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Askari Commercial Bank has different product that is running successfuldemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Current account demo demo demo demo demo demo Saving accoundemo demo demo demo demo Askari specialdemo demo demo demo demoDebit card ATM card Credit card Askari Rudemo demo demo demo Akari current account is design for those customer who are involve in business they can take unlimited number of transaction in a day in banking hour and saving account is design for those customer such like retire officer pensioner disable person the can deposit their money in saving account and get monthly profit Askari special deposit for student who can deposit their money in ASDA account it is free of bank charges the fee bank is charge is very nominal and Akari commercial bank offer credit and ATM card and provide 24/7 service to the customer that the can get deposit any time through ATM Askari Rupee Traveler cheque is design mainly for passenger Askari Bank offers you its "Rupee Traveler Cheques" eliminating all financial risks while traveling. So avoid risk of carrying cash through Askari Bank's Rupee Traveler Cheques. The benefit of rupee travler cheque is Free insurance Free demo demo Profit will be offered at the time of encashment* Nationwide acceptability Facility of encademo demo demo demo demo demo Facility of encashment through clearing No purchasing limit Valid udemo demo Easily transferable Account relationship not mandatory Fastest refund pdemo demo demo demo demo demo Safe & secure mode of funds transfer Available in Rs. 10,000 denomination at all branches of Askari Bank Perfect sudemo demo demo demo Askari Commercial Bank has different product for their target customer each has its own demand but due to high inflation the state bank of Pakistan has increase the interest rate to control the supply of money due to increase in interest rate credit ,auto finance and consumer fianc is affected because the interest is high people avoid to get the loan these brand such like Askdemo Kissan Tractor Finance Persodemo demo Mortgage Finance Busindemo demo Smart Cash Are affected due to interest rate each particular product has its own market and demand the product which cannot fulfill custdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo In my point of view the future perspective of Askari Commercial Bank Mall Road, Mardan is wonderful and outstanding it provides superior value to their customer the customer are loyal and Askari bank provide 24/7 twenty four hours and seven days service of ATM and charge a nominal fee as compare to the competitors. One thing which make it superior and better than competitor is that it has fully automated operation, if we see other banks such like National Bank of Pakistan the procedure to receipt or payment to bdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demodemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Askari Commercial Bank aware their target audiences about their new and existing product through different media the staff work together as a team together every one and achieve more that create motivation and synergy the staff is highly qualified. Askari commercial bank also provide the online banking for their customer to get the account information bills collection money transfer these qualities make it stronger against their competitor the future perspective of Askari Commercial Bank is bright and it will open new ways of success SWOTdemo SWOT analysis indicating towards the organizations strengths, weaknesses, opportunities and threat SWOT analysis is very important for the management in retaining the strength, overcoming the weaknesses, capitalizing market opportunities, and aware to threat and overcoming it During eight weeks of my stay at Askari Cdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Strength demo Financdemo demo Leading private sector bank Ethical condemo demo demo demo Automatic operation Onlindemo demo Good dyndemo demo demo Full demo demo ATMdemo Electrdemo demo Lower nudemo demo demo Short nudemo demo demo Low jobdemo demo demo Low jobdemo demo Centrdemo demo Weak cudemo demo demo Inside redemo demo demo Lack of demo demo demo demo demo Promote demo demo demo A large amount odemo demo demo demo demo demo Steady incredemo demo demo demo Open brandemo demo demo Technolodemo demo demo Use ATM demo demo demo High charges Strong competition Legal demo demo Higher expenses Economic EnvironmentHigh rademo demo demo Less experienced Staffdemo Online Banking Askari Commercial Bank provide online banking for their customer This service is available in all branches it is only the bank which provide online service to pay utilities bill transfer money check balance that give a competitive edge to Askari Commercial Bank as compare to the competitor Good dyndemo demo demo Askari Commercial Bank provide good and dynamic environment to their customer as compare other competitor bank such like UBL National bank the environment of the bank is not so good and they treat customer as a animal but Askari Commercial Bank know the value of customer and provide them good environment Financial Strength Financial strength is a strong strength for Askari Commerciademo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Total assets 1,188,245 Total liabilities 861,887 Net assets demo demo demo demo demo Total revenue and profit after tax for the nine months ended September 30 , 2008 were Rs. 75,137 thousands and Rs. 37,061 thousands respectively. Leading pdemo demo demo Askari Commercial Bank is the leading private sector bank in the banking network in Pakistan with many online branches in major cities of the country. Automatdemo demo The operations performed by the bank are highly automated that result in assurance for the customers that their transactions are completed reliably, efficiently and securely. Full demo demo One can avail the benefit of the services provided at the bank till 5:00 P.m. which is highly useful for those customers who find it difficult to leave their officers in the morning. ATMdemo The bank has the largest ATM Network cross the country. The customers of ACBL withdraw access their funds any time at all the ATM Sites with ASKCASH Logo. Electrdemo demo The revolution in the banking in the form of electronic banking operations have opened avenues of excellent, efficient and quick services saving the time and costs of the customers and fortunately ACBL is among those few banks who are already reaping the benefits of electronic transactions. Electrondemo demo demo ACBL management is quite prepared to adopt the latest advancements in technology resulting in revolution in the banking operations such as check clearing process, computer based teller equipment, automatic teller machines, and electronic funds transfers among the others. Ethical Condemo demo demo demo The organizations showing concern for the people, ethics, and environment enjoy good public reputation and are able to reap the benefits in the long run. ACBL management is quite sensitive to this issue. demoIn my opinion these are the points that might be detrimental to the efficiency and profitability of the bank. Lower nudemo demo demo The main weakness of Askari Commercial Bank is short or lower number of branches there is only one branch of Askari Commercial Bank in district Mardan if we compare to competitor UBL has five branches in our city Mardan . Short nudemo demo demo The main weakness during the internship I found shot number of employee there is only twenty eight employees in whole the bank only one or two employee is working in every department when anybody is at abscond bank face a lot of difficulty to accomplish its task for example there is only one employee of IT is working in whole the bank Centrdemo demo The decision making is centralize the branch manger is fully control whole the branch and decision demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Weak cudemo demo demo The main weakness during I found weak customer handling employee are not technical demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Inside redemo demo demo No merit of recruitment all recruitmedemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Low jodemo demo Understanding and the effective management of the human resources is the most difficult challenge faced not only by the bank but by all the organizations. Even thougdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Lack ofdemo demo demo This famous and useful concept given by Adam Smith in 1776 seems to be missing in the bank. The employees are constantly rotated from one demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Lack of Tdemo demo demo Presently there is no specific training program arranged for the new recruiters. They have to learn based on their observations and also their demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Oppodemo Apart from the ones discussed in External Factdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Promote demo demo demo Askari commercial Bank promote Islamidemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo A large amount odemo demo demo demo demo demo A large amount of foreign investment is attracted to expand their businesdemo demodemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Steady incredemo demo demo demo It is opportunity for Askari Commercial Bank to steady increase customdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Open brandemo demo demo It is the opportunity for Askari Commercial Bank to expand their business in rural areas and met unmet segment in geographical areas and promote their business Technological Improvements It is opportunity for Askari Commercial Bank Limited to make technical improvement demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Use of ATM as a Credit Card It can be an opportunity for ACBL to introduce ATM also as a credit card which will invite a different segment and which will improve profitability. They can also cut costs in this way. demo High charges Higher charges is a strong threat for Askari Commercial Bank It charge 300 Rupees to transfer the money to another Askari branch it is very expensive as compare to other UBL 125 Rupees Legal demo demo Legal regulation is serious threat for organization because government change their policies and put different kind of taxes and regulation on the organization top management always keep the eye on moving trend of government. Higher expenses Higher expense is a threat for Askari Codemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo High rate of inflation Higher rate of inflation is a threat for Askari Commercial Bank the prices of the product and services up and up and unemployment is increasing very rapidly bank should adopt flexible policies to give relief their customer Highdemo The schedules of charges indicate that the fees charged by the bank on the various services it provides are extremely high. It may result in decrease in the number of its exiting customers. Further more, this could be very alarming situation for the bank in case some of the competitors grasped the opportunity and lowered its rates. The result would be either the lost of market share or decrease in the charges resulting in lowering the banks income. Stiff Competition SCB is currently facing strict competition from the foreign banks especially the American who banks enjoy a godemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Less Experienced Staff Owing to huge turnover of the employees, the no. of experienced and well trained staff is very low. Majority of the demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo.Conclusion and Recommendation After spending six weeks at different departments of the bank, interacting with the employees, gettdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Increase number of Branches and employee It is necessary for Askari Commercial Bank to increase number of branches and increase number odemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo Flexible Policies The bank should be adopting flexible policies, especially in the areas of the recrudemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Job security The employees in the organization should be insdemo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo demo. Permanent Hiring The fresh hiring should be made permanent so that they are secured of tdemo de