PIPELINES LIMITED

SUI NORTHERN GAS

INTERNSHIP REPORT
ALLIED BANK LIMITED
A Report submitted to the Chairman, Department Of Management Sciences
Virtual University Of Pakistan, Lahore.

Submitted by:
<<Student ID>>
MC120400605
<<Student Name>>
Jamil Ahmed
<<Session>>
2012-14
<<Submission Date>>
01.07.2015
Department of Management Sciences,
Virtual University of Pakistan

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Virtual University Of Pakistan

PIPELINES LIMITED

SUI NORTHERN GAS

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Virtual University Of Pakistan

PIPELINES LIMITED

SUI NORTHERN GAS

Here please paste scanned copy of your

Internship Certificate on Bank Letter Head Pad after
signing authority.

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Virtual University Of Pakistan

PIPELINES LIMITED

SUI NORTHERN GAS

ACKNOWLEDGEMENT
By the Grace of Almighty Allah, the most Beneficent and Merciful, I tried my best to learn more and
more in Banking Sector during my training to get progress so that I can perform my duties with full
dedication and zeal in practical life. Almighty Allah always helps me in all the matters of my life and
He rewarded me according to my expectation even than much more out of my status.
Personality of our Holy Prophet Hazart Muhammad (PBUH) is a role model for me with the help of
which I understand to lead my life with simplicity, honesty and according the orders of Almighty
Allah and Sunnah of our Holy Prophet. I led my life according to the signs which were told our Holy
Prophet before fourteen hundred years ago.
I am thankful to my parents, brothers and all family members who were supported me to prepare this
internship report without giving any pain and they have created / enhanced encourage in me to
complete this task within limited schedule time. Specially, I will give credit to my Tutors / Instructors,
GC (HRG), GH (HRG), Mr. Ibrar Sarwar, Banking Service Manager, Mr. Muhammad Irfan, Incharge
Deposit Department, Mr. Muhammad Naseer, Incharge Clearing, Mr. Rizwan Ahmed, Incharge Cash
Department and Muhammad Nasir, Incharge Foreign Trade of the branch who were supported me to
learn and get complete training in specific and important areas of branch banking which are necessary
to make progress in banking sector and get job in commercial banking.
It could never express my feelings of thankfulness for Executives, Officers and all Team Members of
Allied Bank Ltd. They always remain cooperative and supportive during course of my Internship
Program. It would be awarded for me that I could not be able to complete my report without
assistance and guidance of ABL Branch staff. All staff members found very honest, hardworking and
skillful in their jobs and they imparted practical training with full cooperation and supports. I never
forget the contribution of all concerned staff in completing and preparation of this Internship Report.

Jamil Ahmed

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Virtual University Of Pakistan

PIPELINES LIMITED

SUI NORTHERN GAS

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Virtual University Of Pakistan

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SUI NORTHERN GAS

EXECUTIVE SUMMERY
During the current age, education plays an important role in life to complete the tasks in any field but
practical experience with related education is enhanced the personality and competing power of the
Candidate. I have completed my Internship Program recently in ABC Limited and feel pleasure to
spend some period in this Organization under the supervision of talented, skilled full and experience
staff.
Bank has much contribution in the development of Pakistan Economy. Its main objective to deliver
commercial banking services to the individuals and lending facilities to the corporate clients.
Bank is being arranged training programs at different cities i.e. Lahore, Islamabad and Karachi for
new appointed staff for their development in the banking services.
Bank is providing Online facilities, Local Funds facilities and Cash withdrawal facilities to their
customers and walk-in-customers.
Bank is providing fast services to its clients i.e. Internet Banking (Allied Direct), SMS Banking and
Phone Banking facilities for transactions at home just in a moment without going to the branch
physically. Moreover, customer may apply cheque book, pay utility bills and credit payments as well
as funds transfer within bank and inter-bank and loading of mobile card facilities.
Bank has shifted its old software to new software i.e. Temenos-24 for better maintaining the
customers records and easy transactions way for the staff. Through this new software, fast tracking of
any account is possible at any time.
Bank is arrange good infrastructure for their staff / employees and in struggle to provide clean,
comfortable and calm environment to its clients.

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It is greatness for me to complete my Internship Program at Bank. I will try my best to perform my
duties and tasks entrusted to me during my internship.
Bank is producing high quality products keeping in view the Total Quality Management Policy which
is necessary to grow and flourish its business in banking sector.
I learned various important things during my Internship Program i.e. how to issue Call Deposit
Receipts, Allied Banker Cheques Payable at any Branch (Demand Draft) or Allied Banker Cheque Payable at issuing Branch (Payment Order). I got training how to fill a Deposit Slips and Cheques
and one of the most important things, gained public dealing experience.
I did work of Account Opening, Customer Profile creation in T-24 System of the bank and also
verification of A/c holders residential and business addresses.

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TABLE OF CONTENTS
1-

INTRODUCTION OF THE ORGANIZATION.......................................................................8

2-

OVERVIEW OF THE ORGANIZATION............................................................................... 9

2.1- BRIEF HISTORY......................................................................................................... 9
2.2- OGANIZATIONAL HIERARCHY CHART......................................................................10
2.3- BUSINESS VOLUME................................................................................................. 13
2.4- PRODUCT LINE....................................................................................................... 14
2.5- COMPETITORS OF THE ORGANIZATION....................................................................17
2.6- BRIEF INTRODUCTION OF ALL DEPARTMENTS OF THE BRANCH................................18
2.7- COMMENTS ON ORGANIZATIONAL STRUCTURE.......................................................23

3-

PLAN OF INTERNSHIP PROGRAM.................................................................................25

4-

TRAINING PROGRAM.................................................................................................. 26

5-

LEARNING EXPERIENCE............................................................................................. 29
5.1- KNOWLEDGE GAINED.............................................................................................. 29
5.2- SKILLS LEARNED.................................................................................................... 30
5.3- ATTITUDES OBSERVED / VALUES GAINED.................................................................30
5.4- MOST CHALLENGING TASK PERFORMED.................................................................30
ORGANIZATION ANALYSIS.......................................................................................... 31

6-

6.1- FINANCE DEPARTMENT........................................................................................... 31

6.2- MANAGEMENT DEPARTMENT..................................................................................31
6.3- HUMAN RESOURCE DEPARTMENT...........................................................................32
6.4- SELECTION POLICY AT ALLIED BANK LIMITED.........................................................34
7-

SWOT ANALYSIS OF THE ORGANIZATION.....................................................................35

7.1- STRENGTHS............................................................................................................ 35
7.2- WEAKNESSES......................................................................................................... 36
7.3- OPPORTUNITIES...................................................................................................... 37
7.4- THREATS................................................................................................................ 37

8-

FUTURE PROSPECTS OF THE ORGANIZATION...............................................................38

9-

CONCLUSION............................................................................................................. 39

10-

RECOMMENDATIONS.............................................................................................. 40

11-

REFERNCES AND SOURCES...................................................................................... 41

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1-INTRODUCTION OF THE ORGANIZATION

ABL is offering banking services i.e. Online Funds Transfer Facility in Pakistan and world-wide,
Credit Card Facility, Account Opening Facility, ATM Card and Cheque Book Issuing Facility, Islamic
Banking Facility, Loan / Advances Facility, Tractor Loan, Agri. Loan, Issuance of Demand Draft /
Payment Order / Deposit at Calls, Internet Banking Facilities, Collecting of Utility Bills Payment and
collection of Educational Institutions Facilities as well as Foreign Remittance Facilities etc to its
customers.
Allied Bank of Limit maintains its position as a self-motivated and well-organized bank for providing
integrated results in order to become the first excellent bank for the customers. ABL is also delivered
value-added services to its customers and also play a proactive role in contributing towards the
society as well as to create sustainable value through growth, diversity and efficiency for all
stakeholders. ABL is providing a challenging working environment and incentive dedicated Team
Members according to their abilities and performance. ABL is also handle and pay special emphasis
on promotion Pakistan's economic growth through aggressive and balanced lending policies,
technologically oriented products and services offered through its 1000 branches and 850 ATMs in
Pakistan. ABL is one of the Pakistans largest banks with a steady home market share and over 12,000
employees and broader foot print. Allied Bank Ltd, has awarded with best performance providing to
its customers i.e. the corporate finance house of the year in 2006 and 2007 awarded by CFA
Association of Pakistan that the local body of the CFA Institution, USA. ABL has also awarded as
Bank of the year in Pakistan 2011 by the Banker and also Best Domestic Investment Bank 2013
Pakistan by the Asset Country Awards, Hong Kong. ABL is providing main services to its customers
such as it acts as a financial intermediary between exporters and importers and also provides services
in share of deposits, finances guarantees etc. Full and efficient services of foreign trade and well
computer system through which statement of accounts of a client could be made rapidly by using new
Software named as Temenos-24 (T-24). ABL also provide products includes all those services which a
customer can use effectively in his common and business life.

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2-OVERVIEW OF THE ORGANIZATION

2.1- BRIEF HISTORY
ABL has started out in Lahore with the name of Australasia Bank before independence in 1942 and
after that it became Allied Bank of Pakistan in 1974. The Bank started out in Lahore by the name
Australasia Bank before independence in 1942; and became Allied Bank of Pakistan in 1974. At that
time it was the Govt. Bank but with the passage of time in August 2004, due to capital reconstruction,
Banks ownership transferred to Ibrahim Group, therefore at that time it was renamed as Allied Bank
Limited in 2005.
Today, after the 70 years completion of its existence, the bank has constructed itself a foundation with
a strong assets, equity and deposit base. It is offering worldwide banking services, while placing
major importance on retail banking. ABL has large network and having more than 1000 branches and
850 ATMs in Pakistan and new branch has opened outside the Pakistan in the country Behrain. This
bank offers various technology-based products and services to its diverse clientele.

HEAD OFFICE OF THE COMPANY

The Head Office of the Allied Bank Limited is at:
3-Tipu Block, Main Boulevard,
New Garden Town

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2.2- OGANIZATIONAL HIERARCHY CHART

Board of
Directors
Audit
Committee
of the
Board

President
& CEO

Audit &
Risk
Review
Commerci
al Banking

Banking
Services

Retail
Banking

Compliance

Corporate
&
Investmen
t Banking

Human
Resource

Treasury

Information
Technology

Islamic
Banking

Special
Assets
Manageme

Risk
Manageme
nt

Corporate
Affairs

Finance

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2.3- BUSINESS VOLUME

The previous five years comparison of the Business Volume of the ABL is given in the following
Tables:BUSINESS VOLUME
Revenue
Deposits
Advances
Investments

2010
50,665
371,284
252,345
121,173

(Rs. In Million)
2011
2012
58,764
63,297
399,562
514,707
244,433
271,084
195,694
267,403

Table # 01
2013
2014
63,825
79,737
608,412
667,878
267,001
306,014
363,379
428,791

Data Source: Allied Bank Limit - Annual Reports from 2010 to 2014.

As per above business detail, I want to give some remarks on the performance of the Bank. Revenue
of the Bank for the Year 2010 to 2011 has much increased by Rs.8,099(M) i.e. 16% and the same has
decreased 50% in the Year 2012 as compared to the figure Year 2011 and slight decreased of 1% in
the Year 2013 as compared to the Year 2012 whereas handsome increased of Rs.15,912(M) i.e. 25%
of the Year 2014 as compared to the Year 2013.
Deposits of the Bank has been increasing since last five years its overview is as Deposits have
increased by Rs.59,499(M) i.e. 10% in the Year 2014 as compared to the Year 2013.
Advances of the Bank has also been huge increased by Rs.39,013(M) i.e. 15% in the Year 2014 as
compared to the Year 2013.
Investments overall have been decreasing since last five years such as Investments was gorgeous
increased in the Year 2011 by Rs.74,521(M) as compared to the Year 2010 but these increase has fall
upto 37% in the Year 2012 and much decreased by 36% in the Year 2013 whereas in the Year 2014
Investments decreased by Rs.65,412(M) i.e. 18 as compared to the Year 2013. This decrease has been
occurred due to the Banking Sector crises in Pakistan i.e. heavy rains and flood has much effected on
the country economic conditions due to which business of the Bank goes down.

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2.4- PRODUCT LINE

PRODUCT AND SERVICES
Following are the product line of the organization:

Allied Business Account

ABL is offering Business Account through which No Balance requirement and it allows free
facility like issuance as well as cancellation of Bankers Cheques, Demand Draft and Intercity
Clearing and it also allows free online facility.

Allied Express Account

The Bank is offering Allied Express Account facility to the Pakistanis to fulfill their needs in case
of receiving remittances from abroad and also giving exemption of With-holding Tax on
withdrawal of cash over 50,000 in a day. Free of cost 1 st cheque book of 10 leaves, ATM Cards as
well as Internet and Phone Banking facility.

Allied Rising Star Accounts

To motivate the children under 18 years old for saving the money in this new era, bank has
introduced Allied Rising Star Accounts facility for its customers and ARS facility is an exclusive
profit based deposit account product.

Allied Term Plus Deposit

To offer various investment options in Term Deposits, bank has introduced a new product with the
name of Allied Term Plus Deposit. According to this scheme, a customer may invest with the
choice of tenure and profit frequency.

Bank-assurance and Mutual Funds

This is a third party product which is being offered by the ABL to its customers on the bases of
which offer the product Bank-assurance (a comprehensive investment and protection plan) and
Mutual Funds.

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Allied Direct (Internet Banking)

The Bank has introduced Allied Direct (Internet Banking) product to facilitate its customers for
may transactions without any loss of time and without any movement from its home or any
working place. According to this facility, A/c holders may transfer funds inter-bank or within bank
at any day any time and customers also make payments of utility bills and credit cards through
this facility. Moreover, mobile balance may also load through this facility at their home/work
place without going to bank.

Mobile Banking
The Bank has also introduced this new product with the name of Mobile Banking through which
any A/c holder can make financial and non-financial transactions in secure ways by sending SMS
to Allied Banks Short Code 9080 using by mobile phone and no need of internet or GPRS for
availing this facility.

Allied Cash+Shop VISA Debit Card

ATM Card is a most popular and necessary product for the banks customers to save their times
which offered by all banks but ABL has introduced valued-added product i.e. Allied Cash+Shop
VISA Debit Card through which any ABL Customer may use this card at ATM Machine for
withdrawal or transfer of funds within bank or inter-bank but also may swap this card at shopping
mall or petrol pumps against payments of bills without giving cash.

Allied Bank Credit VISA Card.

ABL has introduced this product in two types i.e. Gold and Platinum VISA Credit Card which
offers world of privilege, savings and benefits alongwith attractive service charges and free credit
period of upto 50 days.

Allied Pay Any One

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This is a unique product of the ABL through which Banks customer may send cash to any
persons / individual in Pakistan even than beneficiary not have bank account. All it takes is just a
click of a button.

Allied Personal Finance

This product provides small financial solutions to the Banks Customers for their instant personal
needs.

Allied Phone Banking

Phone Banking is also unique product of ABL. To avail this facility Banks Customer has not to
go bank and also no need of internet facility but just through e-phone banking customers may
make transactions financial or non-financial without any loss of time.

Allied Business Finance

This product is an ideal fit to provide financial / working capital needs to its customers whether a
customer is a service provider, trader or manufacturer with funding requirement of upto
Rs.10(M). This Bank offers immediate loan approval at competitive pricing.

Allied Fast Finance

This product make capable its customers to meet their personal and business needs without
liquidating their savings. With Allied Fast Finance, customers can utilize existing deposits /
investments as collateral and avail financing at very competitive rates with a very quick
turnaround time.

Agriculture
ABL is involved in agricultural financing across the country and offers vast range of agricultural
financial facilities through more than 150 Agri designated branches. The Bank offers diversified
and multiple range of Agri Products for both Farm & Non-Farm sectors.

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Corporate Banking
Our main products in Corporate Banking include Working Capital Facilities, Letters of Credit,
Structured Trade Finance Facilities, Letters of Guarantee, Term Loans, Fund Transfers /
Remittances, Bill Discounting, Export Financing and Receivable Discounting. ABL works on
along term relationship which is based on business model to provide a single point within the
bank for meeting all business requirements of our corporate and institutional customers.

Islamic Banking Products

Allied Islamic Current Account
Allied Islamic Saving Account
Allied Islamic Anmol Plus Account
Allied Islamic Business Plus Account
Allied Islamic Khalis Munafa Account
Allied Islamic Investment Certificates
Financing Products

2.5- COMPETITORS OF THE ORGANIZATION

It is an element that prevails in each and every part of the word and it makes improvement in product
and the production process as well. Competition is that element which has vigorous impact on the
style of work, personality, skills of the officers and employees and also helps to stimulate passion in
workers.
Some of the competitors of the ABL Organization are here under that are working / functioning in the
commercial banking industries.
o Habib Bank Limited.
o United Bank Limited.
o MCB Bank Limited.
o Bank Al-Habib Limited.
o Bank Al-Falah Limited.

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o Meezan Bank Limited.

2.6- BRIEF INTRODUCTION OF ALL DEPARTMENTS OF THE BRANCH

DEPOSIT DEPARTMENT
It is also an important and necessary department of the Bank. Deposit Department is first source to
link with the Customers and making them Banks Customer. This Department is under the
supervision of Banking Service Manager (BSM). Following are the name and designations of staff
members who perform in this department: Mr. Muhammad Ibrar

Banking Service Manager

Mr. Muhammad Irfan

Incharge Account Opening

Mrs. Naheed Aslam

Banking Service Officer

This department is main department to 1st contact with the clients / customers therefore staff members
posted in this department should be vigilant and careful before opening of accounts and maximum
documentation should be taken from incoming customers. If wrong account has been opened then
bank would have to suffer loss and it will give benefit to the competitors.
Some of the functions of deposit department are summarized below:o To give services and preference to the customers for opening of new accounts within the shortest
span of time as per Service Standard made by the management.
o To save and keep confidential information of their customers to avoid disclose the same with
other institutions or irrelevant persons.
o To keep record of Account Opening Forms (AOFs) at safe location under joint custody of the
authorized officers.
o To make quick process of customers requests to provide the required items in time without loss
of time to attract prospective customers i.e. Cheque Book Issuance and ATM Issuance request
must be forwarded on the same date when it is forwarded by the customers so that those
customers can make transactions easily from their accounts without any loss of time.

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o To resolve customers queries immediately to keep satisfied and linked its customers i.e. to tell
about balance enquiry and give any assistance to the customers instantly because it is very crucial
age and customers are much busy in their businesses.
o To facilitate to the Zakat Mustaqeen for opening of accounts.
o To explain and guide customers for operation of account.
o To send Letter of thanks to the Banks customers for checking of his residential address.
o To allow the illiterate persons for opening of accounts and guide them to arrange a witness for
account opening and must take a witness at the time of payment on counter.
o To keep touch with customers and should keep turn over their customers for updation of Know
Your Customer (KYC) form that is the requirement of SBP because it is a on-going process.
o To make categorized risk-wise to their customers according to their profession / occupation i.e.
High, Moderate and Low Risk for updation of their KYC at required time.
o To issue Instruments i.e. Payment Order, Call Deposits Receipts and Demand Draft against
Cheque or Debit Authority to the A/c holder or Walk-in-Customers.
CASH DEPARTMENT
Cash Department of the Bank Branch consists of CD Incharge, Chief Teller, Sub Tellers and Sorters
according to the Branchs Business Volume and location of the branch whose names and designation
are given below.
Mr. Hamad Ali

CD Incharge

Mr. Rizwan Latif

Chief Teller

Mr. Khalid Javed

Teller

Mr. Ahmed Hassan Sorter

Mr. Ali Raza

Sorter

Cash department of the bank has great importance and back bone of the branch because this
department keep record of Cash Inflow and Cash Outflow transactions to give services to Banks
Customers.
Some of the functions of cash department are summarized below

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o To arrange cash for making payments to the Banks Customers, Walk-in-Customers and Third
Party.
o To maintain and kept cash as per prescribed Cash In Premises Insurance Limit (CIPL) which has
been assigned by Regional Head Banking Service (RH-BS) to the branches for making claim
from Insurance Company in case of dacoity or natural calamities.
o To sort cash which has been deposited by the customers for making payments to the customers as
per SBP requirements
o To requisite cash from Main Cash Feeding Branch for making huge payments to the parties.
o To send / remit cash which has been excess as per prescribed Cash in Premises Insurance Limited
to avoid any untoward incident.
o To take Utility Bills on behalf of Electric Supply Companies, Telecommunication Companies, Sui
Gas Companies and Water Supply Companies by deducted Banks Commission.
CLEARING DEPARTMENT
This department is very important for banking industries because through which customers of one
bank may transfer fund from his banks or may be transferred to other banks by using Instruments /
Cheques through clearing house facility given by the State Bank of Pakistan. Moreover, Clearing is
the process whereby bankers settle their mutual accounts for claims arising on account of various
instruments presented by one bank drawn on the other. The customers and the banks outstation
branches lodge such instruments.
Following are the name and designations of staff members who perform in this department: Mr. Muhammad Naseer

Incharge Clearing Department

Mr. Umar Hayat

Officer Clearing Department

Mrs. Muhammad Ibrar

Banking Service Manager

Where the SBP has its offices, the clearing system is controlled and managed by SBP. At other places,
this function is performed by NBP. The State Bank is also a member of the clearing process as well as
guardian with all banks having their accounts maintained with the guardian bank for clearing

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purposes. The representative of the State Bank does the accounting work. Clearing House in every
city / town has its own timing for exchange of cheques / instruments and for return of unpaid
cheques / instruments. For performing clearing operations in major cities, a separate institution
National Institutional Facilitation Technologies (Private) Limited (NIFT) was established with the
consent of the SBP in March 1997. Presently, NIFT is operational in almost all major cities.
Following types of Clearing are being done: 1- Local Clearing If Cheques / Instruments received or send for clearing within city branch / bank,
that clearing is called Local Clearing.
2- Intercity Clearing If Cheques / Instruments received / send for clearing out of the city branch /
bank that is called Intercity Clearing.
3- Same Day Clearing If Cheques / Instruments of same bank or other bank are forwarded /
received in clearing for giving the credit to the beneficiary / making the debit to the A/c holder
within one working days that clearing is called Same Day Clearing.
Some of the functions / procedure of Clearing Department are summarized below:o Cheques / instruments received in Inward Clearing are categorized in following ways:a) Drawn on the same branch.
b) Drawn on some other branch of the city / town.
c) Drawn on some other bank branch in same city.
d) Drawn on some other bank branch in other city.
e) Drawn on some other branch in other city.
o Cheques / instruments received in inward clearing should not be accepted if the same in mutilated
condition, post-dated cheque, stale cheque, unsigned cheque, cutting / overwriting on cheque,
endorsement not made by the presenting bank, clearing stamp not affixed on the cheque /
instrument.
o If Cheques / instruments passed then the same were immediately debited from the A/c holder for
credit to the beneficiary bank through NIFT.
o If cheque / instruments not passed then the same were returned to the representative of NIFT with
cheque returning memo by specifying the proper reason of returning.

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o Cheques / instruments delivered through Outward Clearing should not be accepted at the time of
scrutinizing the same whether cheques / instruments deposited by the A/c holder should not be
mutilated condition, post-dated cheque, stale cheque, unsigned cheque, cutting / overwriting on
cheque, endorsement not made by the presenting bank, clearing stamp not affixed on the cheque /
instrument.
ADVANCES DEPARTMENT
Advances Department is very important for the Banking Industries. This department is a main source
to earn income in shape of mark-up by borrowing the money to the Corporate Sectors to fulfill their
Working Capital needs well in time. Advances Register is being maintained in this department to
know how many loan parties / borrowers are existed and how much amount is outstanding at each
borrower end and how much mark-up is due from each and every loaning parties.
Following are the name and designations of staff members who perform in this department: Mr. Muhammad Safdar

Incharge Advances Department

Mr. Tamoor Ahmed

Officer Advances Department

Some of the functions / procedure of Advances Department which are given below: o All party-wise files should be kept at secured placed under proper lock and keys.
o All files of loaning parties must be serially numbered to ensure no any document is misplaced.
o Stock reports of R/F Parties must be updated and maintained month-wise and properly signed by
the borrowing parties.
o Original documents of Loaning Parties must be deposited with Regional Credit Administration
Department (RCAD).
o Mark-up is being recovered within prescribed timelines.
o Advances Incharge has arranged Insurance of pledged / hypothecated stock which has been
secured as principal securities and valid Insurance Policy is stored in relevant parties party.
o ABL is allowing Credit Facilities to its Customers in shape of Agriculture Loan, Running
Finances, Cash Finances, Hari Bhari Agri. Loan.

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o ABL has providing Loan facilities to its parties i.e. Tractor Finance to growers, Allied Business
Finance to borrower, Cash Finances to the borrowers against pledged stocks etc.
o Insurance has been arranged from panel approved Insurance Parties.
o All loans are disbursed after obtaining Disbursement Authorization Certificate (DAC) from higher
authorities / CAD Department.
o Clean up requirement for facility availed is meet one time during a year.
HUMAN RESOURCES DEPARMENT
This Department maintaining the Personal Data of all Bank Employees. Actually this department
dealing with employees related matters and activities i.e. Staff Fresh Appointment activities, Staff
Salary disbursement, Salary Loan facility, Staff Training Programs, Internship Programs and Staff
Appraisals / Evaluation etc.
Following are the staff members who perform in this department: Group Chief, Human Resources
Group Head, Human Resources
Some of the functions / procedure of Human Resources Department which are given below: o To arrange the appointment procedure for the fresh candidates.
o To arrange training program for the staff in their relevant fields.
o To make policies and procedure for the staff management.
o To maintain the record of Staff salaries and disbursement on month end.
o To allow students for internship programs from Allied Bank Limited at any branch.
o To give incentives to their employees at the year end by assessing their performance.

2.7- COMMENTS ON ORGANIZATIONAL STRUCTURE

Present structure of the Bank is a good and it fulfills the requirements of the Organization such as
branch structure is comprises of following staff members who performs their duties as per adopted
policies of the Bank as well as complying with procedures and policies set by the SBP. So here under
are the brief comments on branch structure:-

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Business Development Manager (BDM). Banking Service Manager (BSM). Banking Service Officer
(BSO). Clearing Incharge. Advances Incharge. CD Incharge. Chief Teller. Sub-Teller, Sorter.
BDM of the branch is responsible for deposits of the branch and he always contact with the customers
for opening of account in our bank. He satisfied to people in the market to attract them for making
Banks Customers. He is responsible for branch expenditure heads and he also monitoring the
Advances / finances of the branch. He just authorized expense payment vouchers. He is also
responsible to give updated figures reading deposits and advances of the branch to the Regional Head
(RH-Business).
BSM of the branch is responsible for the operation woks of the branch. He is responsible for
maintaining the internal work of the branch. He is responsible to arrange luxury and comfortable
sitting arrangements to the customers. He monitors the entire operation work of the branch. He is
responsible to send or requisite the cash from cash feeding branch by mail or e-mail. He authorized
all entries i.e. Account Opening, Cheque Book Issuance, Dormant to Active Account Letter of Thanks
delivery, Unclaimed Accounts Activation, ATM Card Issuance, putted by BSO.
BSO is an officer of the branch who perform duties assigned by the BSM. He is responsible for
inputting the data i.e. Account Opening, Cheque Book Issuance, Dormant to Active Account Letter of
Thanks delivery, Unclaimed Accounts Activation, ATM Card Issuance, Customer Account updation.
He perform duties under the supervision of BSM. He is also responsible for locker operation and
putting the visits in the system and got authorization from the BSM.
Clearing incharge is responsible to put forwarded the cheques / instruments of Banks Customers on
the same date when that were deposited by the customers for early processing and give credit to the
customers account. He is responsible to give immediate Dr. the account of the Banks Customers
against the cheque received in Inward Clearing.
Advance Incharge is responsible for the arranging loan accounts for borrowing parties against which
banks earn interest in shape of mark-up.

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CD Incharge has responsibility of authorization for cash receipts and payments at counter.
Chief Teller and Sub Teller are maintaining record of cash transactions i.e. deposited by the customers
or payment to the customers. They are also responsible for taking Utility bills from Banks Customers
as well as Walk-in-Customers.
Sorters is responsibility to ensure all cash retained by the bank has been sorted (in issuable / reissuable condition) as per SBP requirements for making payments to the customers.

3-PLAN OF INTERNSHIP PROGRAM

I would like to mention here that it is much pleasure for me to select this branch i.e. 15-Club Road,
ABL, Civil Line, Faisalabad (0665) for my internship program because this is a Main Cash Feeding
Branch in which every type of A/c and business is being deal so I decided to get training / internship
from this branch. This branch is located in posh area of the city that is called civil line area. In this
branch, all staff posted are very co-operative and having full knowledge about banking due to which I
sought an opportunity to learn from this kind of organizations branch. Here I found full opportunities
to learn more knowledge in practical life due to every kind of activities occurred i.e. Opening of
Foreign Currency Account, Locker Operations, Account Opening, ATM Managements, Clearing
transactions, Advances, to supply of cash to all other branches under its jurisdiction and received
from that branches in excess of their Cash in Premises Insurance Limit to avoid any untoward
incident. This branch has provide great knowledge about banking business. I am much pleased to get
training / internship program from this branch of the Bank. Business Volume of this branch has also
huge i.e. Deposits of this branch are more than 1 Billion.
I started my Internship Program from Allied Bank Limited B/O 15-Club Road (0665), Faisalabad
since 1st May, 2015 and completed on 30th June, 2015 i.e. almost 2 months period.
My Internship Schedule and Time according to which I spent my times in different Departments of
the Branch is given below:-

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S.No.

Department Name

1
2
3
4

Deposit Department
Cash Department
Clearing Department
Advance Department

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Duration
From
To
01.05.2015
13.05.2015
14.05.2015
28.05.2015
29.05.2015
12.06.2015
13.06.2015
30.06.2015

Each and Every Executive and Officer of this branch found very co-operative and helpful as well as
supportive at every step during my Internship Period. I was much impressed by all the staff of the
branch and their working attitude and working style during banking hours. All Officers are much
polite and nice with their sub-ordinates.

4-TRAINING PROGRAM
Its a great pleasure for me to choose the Allied Bank Limited for my training because Allied Bank
has managed its progress by maintaining its focus on its clients across its target market and
businesses. It is the first bank in Pakistan who has made 100% Online Branches as compared to other
competitor banks. It is a growing bank and its working procedure is good and up to the SBP
directives. This bank has strong network of ATMs and providing online facilities for flange areas in
the Pakistan without loss of any time. ABL is one of the excellent banks in Pakistan. It has been
awarded many international awards. Its last Year profit (after tax) was Rs.15 Billion that is much
achievement in Banking Industry. I gain a lot of experience from this Bank which will give benefit to
me in future.
I have performed various tasks / duties in different departments as entrusted by the Head of the
respective departments. Detail of which is as under: -

Following tasks were performed in Deposit Department under the supervision of

Mr. Muhammad Ibrar, BSM and Mr. Muhammad Irfan, BSO: I performed the task of Account Opening.

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I leant how to create Customer Profile (CP) for opening of new customer accounts because this
the 1st process of account opening for which Copy of Customers CNIC is required. I also leant
how to interview the customer and inputting the maximum data information in the system.
After CP creation, I performed the task of Account Opening in which I learnt how to select the
Account Type and Account Category in the system, who will operate this account, Cheque Book
and ATM Card is required or not and confirmed mailing address of the customers as per CNIC on
which Banks Letter of Thanks (LOT) would be delivered to check genuineness of address of the
customers.
I forwarded Customer Request for issuance of Cheque Book and ATM Cards.
I maintained the record of ATM Cards and Cheque Books received by the branch for onward
delivery of the same to the respective customers.
I arranged to send reminder letter to those A/c holders who have not received their Cheque
Books / ATM Cards within prescribed time frame so that they can receive the same from the
branch without disposing of the same.
I performed the task of making stop payments of the cheques of the parties who have been lost /
misplaced by them
I activated the accounts which have been made dormant since last one year after proper
verification and genuineness of the customer and his signatures as per SS. Card scanned in branch
record.
I have updated the Customer Information by filling the Form i.e. Customer Request Form (CRF)
from customers by uploading the request on Image Management System (IMS) through Central
Processing Unit (CPU Level).
I maintained the files of Account Opening Forms (AOFs) categorize-wise.

Following tasks were performed in Cash Department under the supervision of

Rizwan Latif, Chief Teller of the branch: Allotment of Tokens to the customers before present the cheque at counter for cash payment.
I received payments against Utility Bills from customers and posting of entries in Teminos-24
system.

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I collected fees of Education Institution and validation of Fee Challan through Flat Bed Printer
(FBP), Flad Bed Printer is computer generated receipt for the customer which ensured the
authentication of payment in Bank Account.
I prepared the scrolls of Utility Bills and Fee Challan on behalf of Education Institutions for
maintaining record of them in bank and onward submission to the respective Utility Companies as
well as Education Institution for their reconciliation purposes and updation of their customer /
student record.
I learnt customer dealing in the branch which is very important learning process to grow in the
banking industries.
I performed the task of deduction of With-holding Tax on cash withdrawal of above Rs.50,000/by the Customers at counter.
I received cash from Banks Customers and Walk-in-Customers for credit of branchs own
account and other ABLs branch Customer Accounts.
I filled up the cheques of the customers who are not able to write down on the cheque and educate
them how to fill the cheques.
I made payments of cheques to the bearers and before payment I was checked the validity date of
the cheque and tallied the amount in words and figures written on the cheque and verification of
customers signatures through system to integrate the payments of the cheque to the bearers.
I prepared Cashier Memo Book and got signed properly from the authorized officers on daily
basis.
At the end of the date, I also tallied physical cash with the Cashier Memo Book and closed the
cash books as per banks procedure.

Following tasks were performed in Clearing Department under the supervision of

Mr. Muhammad Naseer, Incharge Clearing Department: I performed the task of collect the cheques from customers for lodging the same in Outward
Clearing.
I sorted the cheques of Local and Intercity Clearing before lodgement of the cheques in Outward
Clearing.

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I prepared clearing schedule and attached the same with Cheques / Instruments.
I sealed the sachet of NIFT after placing cheques / instruments in it for lodgement of Outward
Clearing.
I tallied the clearing schedule with NIFT Scrolls on the next working day to know that all the
cheques which have been presented for outward clearing are passed or returned.
I maintained the record of the return cheques in outward clearing to return back to the customers
after getting proper acknowledgement on relevant Register.
I intimated to the Customers whose cheque returned so that they can be received on urgent basis.
I affixed Clearing Stamp on back of cheques / instruments before lodgement of the same and
branch crossing stamp on front side of the cheques / instruments as SBP standardization.
I cleared the cheques / instruments received in Inward Clearing for onward credit to the
beneficiary of other banks.

Following tasks were performed in Advances Department under the supervision

of Mr. Muhammad Safdar, Incharge Advances Department: I performed the task of maintain the files of every Borrower separately with proper
documentation.
I maintained Stock Reports of all the borrowing parties on monthly basis.
I contacted to those parties whose mark-up is outstanding since long for depositing the same on
urgent basis to avoid the loan going to classification.
I contacted whose turn-over were not upto the mark to motivate them please make turn over in
their accounts.
I arranged insurance policies of the parties and recorded the same in relevant files.
I gone in the market with Incharge Advances to motivate the market customers to get loan from
ABL on minimum mark-up rate and on easy formalities.

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5-LEARNING EXPERIENCE
During my Internship Program, I learned a lot of knowledge from Allied Bank Limited which will be
very useful in my practical life in future.

5.1- KNOWLEDGE GAINED

I gain much knowledge during my Internship Program at Allied Bank Limited that will be beneficial
and fruitful for me in future. I have gained very much things, some of which are as under:

I gained the knowledge for preparation of necessary statements and manual registers.

I gained the knowledge during posting of entries in system whether how to use computers and
how do work in computer system by using specific software.

I gained the knowledge that how to deal with the customers during job.

I gained that how to do work and complete the tasks under crucial conditions.

I gained that how to maintain and arrange the vouchers and other banks record.

I gained that how to speak with superiors and juniors as well as with customers.

I gained the knowledge how to manage assigned job within limited schedule of time.

5.2- SKILLS LEARNED

I learned many skills during my Internship Program at Allied Bank Limited that will be beneficial and
fruitful for me in future. I have gained very much things, some of which are as under:

I learned the skill of saving the money for future by depositing the same in bank.

I learned the skill, how to deal with customers and which type of attitude should be used during
conversation with customers.

I learned the skill of motivating the customers so that they are compelled for depositing their
money in the bank.

I learned the skill of observing the job timing.

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I learned the skill, how to do the work in Temenos T24 Software and how to open relevant file
options for inputting the data and passing the entries.

I learned the skill, how to manage and maintained the personal files of all staff posted in the
branch.

5.3- ATTITUDES OBSERVED / VALUES GAINED

During my Internship Program, I observed the various attitudes and gained the values in the branch:

I observed Office decorum, manners and etiquettes of the Office Environment.

I observed that how to behave with immigrate Boss, Officers and Subordinates during job.

I also gained the values that how to communicate with employees and colleagues as well as their
customers.

I observed organizational culture.

5.4- MOST CHALLENGING TASK PERFORMED

I performed most challenging task during my Internship Program, which is as under:

I performed the task for verification of Residential Addresses of Individual Customers and
Business Addresses of Sole-Proprietor and Partnerships Account holders by field visits; it was
most challengeable task for me because I opened various Individual as well as Sole-Proprietor
Accounts and personally visited their business addresses at their business location for their
business addresses verification purposes.

6-ORGANIZATION ANALYSIS
6.1- FINANCE DEPARTMENT
ALLOCATION OF FUNDS
2010
Mark-up / Return / Interest Expense
Operating Expenses
Provisions
Donations
Taxations

(22,428)
(11,567)
(4,326)
(38)
(4,118)

2011

2012
2013
Rupees in Million
(26,643) (31,142) (32,552)
(13,745) (14,957) (15,884)
(3,267)
(1,362)
(628)
(61)
(104)
(80)
(4,969)
(4,195)
(118)

2014
(38,815)
(17,466)
(1,254)
(76)
(7,187)

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SOURCES OF FUNDS
2010
Markup / Return / Interest earned
Fee, Commission, Brokerage and
Exchange Income
Capital gain & Dividend Income
Other Income

44,993
2,910
2,511
251

2011

2012
2013
Rupees in Million
51,814
49,503
54,222
3,395
3,169
3,711
3,507
48

10,353
272

4,645
1,247

2014
67,001
3,758
7,850
1,128

6.2- MANAGEMENT DEPARTMENT

6.2.1- CENTRALIZATION
Most of the work of Allied Bank Limited has been centralized and remaining work would
become centralized with the passage of time. All Decisions are making central level and also
these decisions are being implemented down the line i.e. middle and lower level. Even any
important decision and actions which are generated at lower level then that decisions and
actions are completed and final by the approval of top management of the Bank.

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Management of ABL is deciding to remove the decentralization system from the banks and
they are being implemented centralization system i.e. Salaries of Staff are centrally made and
disbursed, Bank has introduced a new department at central level i.e. Central Processing Unit
(CPU) which is approving authority for Account Opening and delivery of Letter of thanks to
the customers and verification of all mandatory documents which are necessary for Account
Opening Process. To send Intimation letters for Unclaimed Account holders as well as
Dormant Account holders for their early activation.

6.2.2- WORK SPECIALIZATION

ABL is specialized in Commercial as well as borrowing money to the corporate sectors for
maximum earning of profit in shape of commission and mark-up. ABL is focusing to deliver
the services to its customers by consuming minimum cost within shortest time span i.e. Allied
Direct Facility (Internet Banking), SMS Banking Facility and Phone Banking Facility. ABL is
specialized in these facilities as compared to its competitors because there is no need of long
time for making transactions and customers / Account holders not to go to branch for making
transactions whereas they can make their transactions with just one click on the computer
system, mobile and phone. Due to the work specialization each single employee only single
feature activity of production. Each worker singly performs only one kind of task with its full
concentration.

6.3- HUMAN RESOURCE DEPARTMENT

6.3.1- EMPLOYEES RECRUITMENT AND SELECTION
Human Resource Department of Allied Bank Limited is playing is vital role for smoothing
working of an Organization. Group Head (HR) is qualified and energetic as well as more Care
Taker. In recruitment and selection of new employees / staff in Bank, Human Resource
Department is posted add on its web site in which specific qualification, procedure of
appointment and requirement for selection is also mentioned.

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6.3.2- RECRUITMENT POLICY

Staffing procedure is being used by the Human Resource Department in following ways: Human Resource Group always remains committed in enlarging the quality of employee base
by inducting high quality talent pool. ABL has always in search of higher educated and talented
staff for improvement of its working environment in the branches.
Human Resource Group has responsibility to appoint / recruit new staff to fulfill the vacant
seats and increase workforce for operational work to provide quick and efficient services to its
customers in time. ABLs recruitment policy is in such a ways: Allied Bank Limited has specific criteria for recruitment policy i.e. hiring of new staff in batch
forms instead of hiring individual bases. Bank has specified the education level for new
appointments. ABL is appointed new staff on Permanent Bases, Temporary Bases and Third
Party Contract. Executives and Officers as well as Tellers are appointed on permanent basis
while messenger are appointed on contract basis and guards are appointed on third party
contract. In the beginning, permanent staff is posted for probationary period of one year or 6
months and after that those staff members who have completed their probationary period then
bank has issued a confirmation certificate to those employees due to which employee can apply
for House Building Loans, Motor Cycle Loans and Five Basic Loans and he is eligible for
getting bonuses and incentives.
ABL fixed education level for appointment of Teller is B.A or equivalent education from HEC
and Masters Level for Appointment of Banking Service Officers (BSO) / Management Trainee
Officer (MTO). Martric level for appointment of Messenger on contract basis. ABL sometimes
appoint experience persons from other institutions on better salary packages to become more
strong its bank.
The Human Resource Department may utilize its external sources by taking actions on the
following elements.
It advertises in the Daily Newspaper for the job vacancy with the eligibility criteria for the

given post.
It offers for Retired Employee
It offer through Walk in

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It offer through Independent Contractors

6.4- SELECTION POLICY AT ALLIED BANK LIMITED

ABL selection criteria is very simple, any Candidate may apply for its specific jobs just go on the
web sight of Allied Bank Limit and click the Career Path icon, a blank form will be opened on the
screen then enter your CNIC first and after that enter information as required by Human Resource in
the form and at the last submit your on-line application. I any Candidate is up to the mark as per HR
criteria then ABL will call for Written Test and after that Committee analyses and then short listed
Candidate are invited for an Interview, after that offer letters are arranged by the HR Department to
send to successful Candidate. Finally, after receiving the accepted offer letter from Candidate, Human
Resources Department send him appointment letter after affixation of his Salary Packages and other
policies and terms and conditions as per banks rules and regulations.

6.4.1- TRAINING PROGRAM AT ALLIED BANK LIMITED

Training Program is very necessary to bring a spirit and zeal in new appointed Candidates /
employees so that they become perfect banker. Allied Bank has arranged Training and
Management Development Centers in big cities such as Islamabad, Lahore and Karachi. New
appointed staff / candidates in shape of Batches are making trained in these Centers by
delivering training classes from the higher educated and experience Bankers / Instructors. This
training goes for six months since their appointments and then they are inducted in branches
for learning practical training so that they become perfect banker and gain more and more
experience before permanent posted of them in the branches.
ABL is giving training not only to the new appointed staff but also arrange most of the
seminars at Management Development Centers for existing staff members for the betterment
and improvement in their work / jobs.
ABL aim is to prolong enabling work environment and nurture a performance driven culture.

6.4.2- TRAINGING NEEDS ASSESSMENT

Human Resource Department is carried out Training Needs Assessment to identify the profile
of the training needed to use on the employees to make feasible strategic plan for raising

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competency level of employees. New appointed employees should learn latest skills and
proficiency. They can be familiar and up-to-date relatively easily with the abilities and skill as
expected from them by the organization.

7-SWOT ANALYSIS OF THE ORGANIZATION

Banking Organizations are busy carrying out comprehensive environmental scanning and also
occasionally carryout SWOT Analysis. SWOT is an abbreviation of Strength, Weakness, Opportunity
and Threats. Strengths and Weakness are internal factor of the organization while Opportunities and
Threats are external factors for an organization.
During my Internship Program at Allied Bank Limited, I have made SWOT analysis of this
organization as compared to the other organization in following ways: -

7.1- STRENGTHS
1- Allied Bank Limited has a powerful and strong On-line Banking system throughout the Pakistan
with upto 1000 branches and more than 850 ATMs to provide batter and efficient services to their
customers.
2- ABL Deposits have increased by Rs.667.9 billon for the Year 2014 as compared to Rs.608.4
billion for the Year 2013 which is almost 10% increase.
3- ABL Advances and Investment Rs.734.2 billion for the Year 2014 have increased as compared to
Rs.630.4 billion for the Year 2013 which is almost 17% rise.

4- ABL Branch Image is its major strength. The workforce, image, network and reputation of this
bank have created emotional and sentimental attachment of the people with the bank.

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5- ABL Total Assets Rs.842.3 billion for the Year 2014 have been increased as compared to the Total
Assets of Rs.734.2 billion for the Year 2013.

6- Good and honest worker are also a strength for the Allied Bank Limited because if they work with
dedication and full cooperation with the help of each other to provide services to the customers in
time at the right place.

7- ABL has awarded of Best Domestic Investment Bank in 2013 of Pakistan by the Asset Country
Awards, Hong Kong. Moreover, it is a Best Retail Bank in Pakistan 2011 by the Asian
Bankers.

8- ABL enhances salaries of employees and provide incentives / bonuses to its employees 03 times
in a year out of which 02 bonuses are related to Eid Festival Bonuses and third one is awarded on
the eve of performance appraisal, so this motivate has become strengthen to the Allied Bank
Limited as compared to its competitors.

7.2- WEAKNESSES
1- Loan recovery system of ABL is very poor even then is not effective due to which a number of
defaulters are increasing at the growing age.
2- Most of the Branches of Allied Bank Limited are established far away from the business markets /
commercial areas due to which business person or domestic people tries to deal with the other
banks who nearby in their homes.

3- ABL has to increase the installation of ATM Machines in remaining branches except 850 branches
because due to this reason customers / Account holders of far flange areas have to use ATM
Machines of other banks, this things create bad impact on the bank.

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4- Most of the operational staff of ABL are required to get training in their relevant assigned work
but load of work has increased on them due to none posting of sufficient staff in huge business
branches thats why they cannot avail an opportunity to get proper training in their relevant field.

5- The procedure of Account Opening in Allied Bank Limited is lengthy and restricted due to which
most of the customers intend to open the account in other banks to save their time.

7.3- OPPORTUNITIES
1- ABL has great advantage of producing most of the deposits and attracting valuable customers due
to its better image in the business sector.
2- If ABL Management established / shifted their branches in a business market or grain market
instead of establishing the same in rural areas or aside areas to attract most of the customers to get
competitive advantage.
3- It is a great opportunity for ABL to give training and making development of their employees in
their relevant assigned jobs so that they perform their duties in efficient and better way to
satisfying the customers and to attract prospects customers and get competitor edge.
4- ABL should offer new and innovative products to satisfying their customer needs / requirements
in time at minimum cost.
5- ABL Management should reduce mark-up rate on loan facilities so that advances may be

disbursed at maximum level to the borrowers to fulfill their working capital and other needs.

7.4- THREATS
1- High rate of markup on advances is discouraging to the borrowers because most of the new banks
borrowing loans to the parties on minimum documentation and low rate of markup.
2- UBL and Other Banks giving free of cost services to their Business Account holders but ABL
charges high rate on giving services to the Business Accounts, it is threat for the ABL to think
about this scenario.

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3- ABL charge high commission on On-line transactions, high cheque return charges and high
Clearing Charges and OBC Commission due to which customers move to other banks so it is a
great threat for ABL to reduce these charges upto the reach of the customers and as per rates
prevailing in the banking sector.

8-FUTURE PROSPECTS OF THE ORGANIZATION

In 2015, the operating environment for banks will be very challenging due to the intense competition
in the pricing of liability and assets products. Both i.e. effective assets and liabilities management
together with banks ability to offer innovative and improved products will play a main role in
producing better results.
Allied Bank Limit has made on-line all branches and now it is focusing on providing the ATM and
Foreign Remittance facilities at all branches with the reason it is a need to compete with competitors.
ABL made a plan for the expansion of its domestic-wide and nation-wide branches network which is
under process.
ABL, will further amalgamate its corporate identity and offer to its clients a better services and more
customized products. ABL plans to outclass the competition, through this more focused style.
In coming years, it is the objective of ABL, to develop a culture of accountability, openness and
integrity and to enable the management of the bank to be informed at an early stage about immoral,
misconduct, fraudulent and unethical actions. ABL has main future object to connect all the Banks
Customers with their businesses through a latest network i.e. Internet Banking, SMS Banking and
Phone Banking so that they can make business transactions without going to branch. The key
elements of planning by the ABL is to increase market share, develop retail, mobilize resources,
agriculture and Islamic banking, introduce fresh creativities for corporate and investment banking,
implement various technology initiatives and capitalize on new business opportunities. ABL mission

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is to become an efficient and dynamic bank providing integrated solutions in order to be the first
choice bank for the customers.
ABL is making struggles to motivate and attract their customers by providing clean and comfortable
environment as well as more added-value products by utilizing latest technology in future keeping in
view the needs of new generations.

9-CONCLUSION
I concluded here under after completing my Internship Program at Allied Bank Limited:

ABL is a major business partner for the Ibrahim Group of Industries. It is playing a main role in
economic growth of Pakistan through aggressive, commercial and lending policies, technologies
oriented products and services.

Allied Bank Limit is a growing banks & profit making organization. It provides high tech
innovative solutions to fulfill customers needs. It also provide challenging work atmosphere and
reward dedicated team members according to their performance and abilities.

It is an achieving bank in such a way i.e. Profit of the bank for the Year 2014 is Rs.15 billion as
compared to the Year 2013 i.e. Rs.14.6 billion and its profit has been increasing day by day due to
its good performance and good reputation in the economy. It Earning Per Share (EPS) has
increased by 13% from 12% for the Year 2014 as compared to the Year 2013. Its Deposits has
been increased from 608.4 billion to Rs.667.9 billion i.e. 10% rise for the Year 2014 as compared
to the Year 2013. A huge increased in Loans and Investments i.e. 17% for the Year 2014 (Rs.734.8
billion) as compared to the Year 2013 (Rs.630.4 billon).

I understand that there is a great difference between theoretical knowledge and practical working
whereas practical training / working is very important. Therefore, the theoretical knowledge

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should be apply along-with practical working to well understanding your inner abilities and get
awareness about the business environment.

With the help of theoretical concepts and knowledge, an employee or persons may become
successful in any department of life.

I also understand, if an employee is satisfied with his job relating to salary package, comfortable
and calm environment, good sitting arrangements, organizational environment attitude and
communication of higher level management with their employees then he would perform his
duties with added-zeal, enthusiasm and with its full spirits.

From the above discussion it is evident that the bank is progressing. ABL has been able to satisfy its
customers with the modern technology. The expansion of the network of branches of the bank will
further enable it to uphold its competitive position

10- RECOMMENDATIONS
Allied Bank Limit is profit making and effective operating organization. I want to give some
suggestions for efficiency and better performance of ABL as an organization in Corporate and
General Branch in Faisalabad.
My recommendations are as under: ABL should arrange the seminars and training courses keeping in view the present scenarios.
Salaries of the employee should be equal prevailing rates in the market.
It should be appointed / recruited higher educated and qualified staff to grow in present market as
compared to their competitors.
ABL should open new branches in business cum commercial areas to enhance their business.
ABL has 1000 branches in all over the Pakistan but it installed only 850 ATMs, in remaining
branches ATM should be installed to provide cash withdrawal and transfer of funds facilities
without entering into the branch to increase customers.

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ABL is giving preference to new coming higher educated staff as compared to the old staff
members, this culture should be eliminated from banks because new staff members are
understood qualified but they have no experience like old employees therefore old employees
should be motivated and give training to them to walk with the modern age.
ABL should approve loan to the borrowers or customers on low mark-up rates and with easy
installments.
ABL should enhance staff strength in those branches where volume of business is vast to give
good, proper and in time services to their customers.
ABL Management should take quick actions on Customers Complaints and Complaint Box
should be placed in ATM Cabin as well as in branch premises.
ABL branches should be well furnished and white-washed even then seems good looking for
Banks customers and walk-in-customers.
ABL should give loans to their employees without interest / mark-up and other services without
any charges to motivate them to do work with full attention and added zeal.
ABL Management should eliminate the differences created between Branch Managers and
Operational Staff in branches because only deposit targets are assigned to the Branch Manager
and Operational work is assigned only to Banking Services Managers and other staff of the
branch and their annual assessments / appraisals are made on the bases of their single duties due
to which a great negative impact is generated in branch environment / culture and due to which
operational staff do not obey of their Branch Manager, so hated conditions are created in the
branch.
Bonus / incentives should be given to the employees to enhance their abilities for the betterment
of the organization.
ABL should provide low cost / rate facilities to their customers for attraction of more customers
for the bank i.e. free of cost online funds transfer facilities, Issuance of Demand Draft, Issuance of
Allied Banker Cheques (Payment Order) and Deposit at Call and Clearing facilities for those
valued customers who give more and more business to the bank and their turn over in the
accounts are much more and having huge balances in their accounts.

11- REFERNCES AND SOURCES

Mr. Shafique Ahmed
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Virtual University Of Pakistan

PIPELINES LIMITED

SUI NORTHERN GAS

Group Chief / Group Head, H.R. of Allied Bank Limited and he has the authority to
supervise my Internship Program and issue Internship Program Certificate.

Mr. Sheikh Muhammad Nasir

Business Development Manager (BDM) of the branch of Allied Bank Limited, 15Club Road, Faisalabad (0665)

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Virtual University Of Pakistan

PIPELINES LIMITED

SUI NORTHERN GAS

Mr. Muhammad Ibrar Sarwar

Banking Services Manager (BSM) of the branch of the branch of Allied Bank Limited,
15-Club Road, Faisalabad (0665)

Mr. Muhammad Safdar

Incharge Advance Department of the branch of the branch of Allied Bank Limited, 15Club Road, Faisalabad (0665)

Mr. Muhammad Naseer

Incharge Clearing Department of the branch of the branch of Allied Bank Limited, 15Club Road, Faisalabad (0665)

Mr. Muhammad Nasir

Incharge Foreign Exchange Department of the branch of the branch of Allied Bank
Limited, 15-Club Road, Faisalabad (0665)

Mr. Muhammad Rizwan Latif

Chief Teller of the branch of the branch of Allied Bank Limited, 15-Club Road,
Faisalabad (0665)

Mr. Abdul Rehman

Voice Chancellor of National College of Information Technology

Sources
Organizational Behavior Book
Total Quality Management Book
Introduction to Public Administration Book
Human Resource Management Book
Annual Report of Allied Bank Limited.
WWW.Google.com.pk

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Virtual University Of Pakistan