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Limited
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Bank Alfalah
Limited
Preface
The requirement of internship for BBA(HONS) is met by professional
Our department of management of sciences has been seized with the need
for developing training regulation, which not only cater for the above stated
visited through different departments of the bank and was thoroughly briefed
report is all based on what I have learnt there. I hope that my report will
Naima
Khursheed
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Bank Alfalah
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Acknowledgement
All praises are for Allah almighty that has bestowed upon human
being the crown of creation and has endowed him with knowledge and
wisdom. After Allah, is the last prophet Mohammed (SAW) who brought for
being.
Although this report base only my name but numerous people were
very important to the development of this report without the support of them
banks are very much sensitive about their secrecy, even then after taking an
Numan (operation manager), Mr. Taimur Arif (credit manager), Mr. Akil,
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Bank Alfalah
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placement who arranged internship and provided me with his kind guidance
at each and every step whenever I felt difficulty and he made me capable of
Naima Israr
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Bank Alfalah
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Bank Alfalah
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Table of content
1 History of banking 09
2 Introduction of Bal 12
4 Remittances Department 41
5 IT Department 56
6 Accounts Department 63
7 Credit Department 77
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Executive summary
2. Remittance Department
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3. IT Department
4. Accounts Department
5. Credit Department
parties are getting benefit from them whether individual, sole proprietorship,
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Bank Alfalah
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Bank Alfalah
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strong safes. Thus the first stage in the development of modern banking thus
was accepting of deposits of cash from those who had surplus money with
them.
Banking in Pakistan:
was very difficult of Pakistan to run its own banking system immediately. There
were 487 offices of scheduled banks in the territories now constituting Pakistan.
Therefore in accordance with the provision of India independence Act of 1947, and
expert committee was appointed to study the issue. The committee recommended
that the “Reserve bank of India” should continue to function in Pakistan until 30th
September 1948. It was also stipulated that Pakistan would take over
the management of public debt and exchange control “Reserve bank of India” on 1st
April 1948. Then Indian notes would continue to be legal ender in Pakistan till 30th
Pakistan decline from 487 to 195. In order to establish a full-fledged control bank
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Bank Alfalah
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Bank Alfalah
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Bank Alfalah
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Bank Alfalah Limited was incorporate on June 21st, 1997 as a public limited
Since its inception, as the new identity of H.C.E.B after the privatization in
policies to carve a distinct position for the bank in the market place.
Strengthened with the banking of the Abu Dhabi Group and driven by the
strategic goals set out by its board of management, the Bank has
and match them with quality products and service solutions. During the
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Bank Alfalah
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Al Nahayan
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Bank Alfalah
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Mr. Abdulla
hawalileel AL-Mansoor
Customer Relationship:
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Knowing customer and their needs is the key for the success of a bank ,
Alfalah client relationship managers are well equipped and well trained to
provide most efficient and personalized service to each and every customer.
saver.
Dedicated Professionals:
Staff is the most valuable asset of nay organization. The human resource
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Bank Alfalah
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develop their knowledge, skills and personalities, thus ensuring greater self-
it into greater returns for our investors and customer. The prudent attitude
Proper training of human resource is essential, not only for the more
productive and satisfied work force but for also homogenous corporate
culture.
The bank continuous to follow its strategy of hiring batches of young and
Development Center for training in all areas of banking. Our Training and
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Technological innovation:
Technology is rapidly changing the way we think, act and do business. Is has
enjoy routine banking services from anywhere in the world. 365 days a year,
24 hours a day.
Ethical values:
Because the right may not always be obvious, we must be guided in our
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primary core values, providing the guiding principles for the corporate
behavior.
Commitment
Integrity
Fairness
Teamwork
Product portfolio:
Not only comprehensive but also customizable to match the needs
includes.
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• Car financing
• Credit Card
• ATMs
• Home Loans
• Online Banking
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provides the complete range of financial services to all segment under one
roof.
• Excellence in service
• Quality performance
• Product innovation
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Chief Executive
Officer
Executive
In charge
Branch Setup
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Assistant
Help Desk
Import Export
Clearing/
Collection
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A partnership deed is a document that shows the nature of the business that
will be carried out by the partners, number of the partners, their share. Who
will run the business, what will be the profit and loss sharing ratio, what will
be the initial investment of each partner, who will be the limited partner and
who will maintain the account with the bank. According to bank point of
view the most important thing is the person’s name who will maintain the
account with bank. National identity card of the person who will maintain
ACCOUNT
also must. In this declaration the proprietor of the concern will declare that
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Bank Alfalah
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required.
• RESOLUTION
This is a document that states that the meeting of the directors of the
firm has taken place on the place mentioned and these person have been
selected to open and operate the bank account and they can sign all the
signatures of the persons are attached. This document is very important with
bank point of view. With the help of this document the bank comes to know
• CERTIFICATE OF INCORPORATION
according to companies’ act and the nature of the business, which will be
carried out by the company. The number of shares by which the company is
• LIST OF DIRECTORS.
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This contain the full name of the company, the location of the
capital of the company, who will be the director and how he will be selected
that club or association is required. List of directors is also attached with the
account opening form and the identity cards of the directors are also levied
with it.
This card contains account number, title of the account and the specimen
signatures of the account holder. When this form is submitted in bank the
bank officer admits the signatures of the applicant and keeps this specimen
card in record.
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submitted in bank, the bank as per instruction the account of the person is
debited or the client pays the amount in cash.If the account is to be debited
that her account has been debited. But if the amount paid is in cash, then
The cheque books are most sensitive item of the security stationery and due
their stock.
ii) Stock of the cheque books must be placed in the Fire Proof Safe.
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Types of account
i) Current Account
v) Royal Patriot
CURRENT ACCOUNT
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In PLS amount is fix for some time period and according to that time
period the profit is given. Minimum range of amount that require for
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5000 and 2%
v) ROYAL PATRIOT
For coming customer who wants to open the account will pass through
1) currency of account
There are five types of currencies in which customer can open an account.
He will select only one currency. Currency like PKR, USD, GBP, DM, JPY
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2) Types of account
i) Current Account
v) Royal Patriot
3) Title of account
It includes the name of the person who wants to open the account. Name
3) Address
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It includes the address of the person who is going to open the account.
5) Personal Account
i) Individual
ii) Joint
i) Individual
ii) Joint
the account. In the absence of such directions the bank allows the
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i) Name
iii) Occupation
iv) Nationality
v) Country of residence
In order to make money more secure the person who wants to open the
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account he tell the name of the person who will owner of his or her money in
person the bank will contact with that nominee and tell them that now you
are the owner of the money.If account holder leaves blank that portion than
7) Zakat Deduction
under:-
in
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wherever possible.
IBS /AS May introduce accounts only for those who are
absolutely clean.
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collection. Cheque book should only be issued after the proceeds of crossed
1) Currency of Account
2) Type of Account
3) Title of Account
4) Business Address
5) Name
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Bank Alfalah
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7) Designation
8) Nationality
9) Country of Residence
10)Contact Number
11)NIC number
12)Type of Organization
i) Sole proprietorship
ii) Partnership
iv) Club/society
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Bank Alfalah
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opening point.
Closing of account
the account holder for closing of account purpose gives an application. Then
the department closes the accounts and gives all the deposit amount to the
account holder the bank takes the chequebook from the related person and
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PARTIES TO A REMITTANCE
1) REMITTER
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Bank Alfalah
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remitted. The bank charges him for the remittance. He may or not be the
bank’s customer.
2) REMITEE
Also sometimes called the beneficiary, or the payee. The person to whom
3) ISSUING BANK
The bank that effect the remittances, through the Demand Drafts,
4) PAYING BANK
Also known as the drawee branch. The branch on whom the instrument is
country)
REMITTANCES
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Bank Alfalah
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1) Demand Draft
2) Telegraphic transfer
3) Mail Transfer
4) Pay Orders
6)Pay Slip
1) DEMAN DRAFT
another branch of the same bank , or upon another bank under special
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Bank Alfalah
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specified person.
to Minors.
branch.
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iii) Before issuing the demand draft it must be seen that the
Entry of DD
Yellow slip
DD Payable credit
H Off debit
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Bank Alfalah
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-------------------------------------------------------------------------------------------------------
H off debit
DD credit
-------------------------------------------------------------------------------------------------------
H off credit
DD debit
-------------------------------------------------------------------------------------------------------
DD payable debit
Customer credit
------------------------------------------------------------------------------------------------------------
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Bank Alfalah
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desired to be made.
applicable.
2) TELEGRAPHIC TRANSFER
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Bank Alfalah
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number, name. Then bank will make a credit advice and send it to
to that branch and show his ID card number and other information
and bank will make TTR and customer will get that amount from
cash department.
branch.
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money is payable.
Cheque debit
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H. Off credit
------------------------------------------------------------------------------------
If cheque is going in KRC main branch then they will make an IBC
H. Off debit
Customer credit
-----------------------------------------------------------------------------------
3) MAIL TRANSFER
bank within or outside the city or upon other bank under special
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identification
4) PAY ORDER
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payments.
thereon.
of the bank.
When customer wants to cash the pay order then the amount of
the pay order will be debited from the bank. If pay order
submit to other bank like mcb, abl then the process of claring
will be adopt.
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Bank Alfalah
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Customer debit
Customer credit
---------------------------------------------------------------------------------
5) PAY SLIP
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are safe and quality services. RTC is very popular among the people of
1,000
5,000
10,000
Purchases of RTC
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Bank Alfalah
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The person who wants to purchase RTC is required to fill a form. The
and gets a voucher from the cashier. And then RTC is providing to the
him on the RTC and on the copy of form. BAL rupee traveler’s Cheques
Features
businesses of Pakistan.
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Creating A Client
Maintenance Of System
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appear all at once i.e. any problem with printer or with any system on
network or any thing like this which could create trouble and you have to
Creating A Client
For creating or making a new system and client we have to install different
software required to make a client and then install most importantly LAN
may detect the whole network. Whole that procedure is known as client
making.
At the start of every working day before making any transaction we have to
follow few step that are known as day start step or procedure , after that you
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SS Card Scanning
In this procedure first of all scan all the SS card and through the bank
After following the day end procedure the changes which are made final in
system database are stored as backup on system and this backup is kept in
Backup Of Data
a) Hard Disk
b) CD
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c) CD-R
d) CD-RW
e) On Work Station
Maintenance Of System
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Voucher Sorting
Monthly budgeting
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Advances department plays a vital role in the functions of a bank. In BAL its
enthusiastic and committed a staff. The efforts of the staff are providing
good services to their customers and getting a good amount for contributing
the overall profit of BAL.The BAL provides loans to customers. These loans
are sanctioned by the head office. There are different types of loans that are
Current Finance
Term Finance
FATR
FIM
FAPC I & II
FAFB
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Current Finance
The bank provides Current Finance for short period less than one year. The
Term Finance
Customer utilized the sanction limit or not the markup will be charged on
FATR
There are two types of FATR
FIM
FATR
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FIM
Loan is provided for import purpose. By using that loan the customer will
FATR
In FATR credit is given against trust receipt . Customer will sign the trust
receipt and import the goods and pledge these goods with the bank. As sales
FAPC I
FAPC II
FACILITY
1) CF
2. Letter of arrangement
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3. Letter of continuity
4. Markup agreement
2) Term finance
2. Letter of disbursement
3. Letter of arrangement
4. Markup agreement
6. letter of installment
3)FATR
2. Letter of arrangement
3. Markup agreement
4. Letter of disbursement
5. Trust Receipt
4)FIM
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2. Letter of arrangement
3. Mark up agreement
5. Letter of authority
5)FAPC I
FAPC II
2. Letter of authority
3. Letter of disbursement
6)Finance against
Foreign bills
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2. Letter of arrangement
3. Letter of disbursement
5. Mark up agreement
The house loan is provided to its staff members up to a certain limit. And up
Car loan
Motorcycle loan
Mainly this type of loan is provided to clerical staff. But the officers can also
kept securities,
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Bank Alfalah
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lending. Because in the case of default the securities are the only
1. SAFETY
character
capacity
capital
2. LIQUIDTY
3. DISPERSAL
4. REMUNERATION
5. SUITABILITY
(1)SAFETY
As the funds with BAL are mainly comprised of money borrowed from
depositors. They deposited their funds because they have trust and confident
on them. Therefore they are very much careful while lending, so that the
money goes in safe hands where the risk of loss does not exist. The
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1. 1 CHARACTER
business has been in the past and what is its future. This factor indicates
whether borrower will be able to pay the interest and principle amount
1.2 CAPACITY
This is the management ability factor that tells how successful business has
been in the past and what is its future. This factor indicates whether
borrower will be able to pay the interest and principle amount borrowed
1.3 CAPITAL
borrower himself represents his faith in the business and its future. BAL
provide short term capital for commerce and industry, yet some borrowers
insist that bank provide them most of the capital required. So the bank while
2) LIQUIDITY
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all money borrowed is repayable in lump sum on demand. The BAL has to
ensure that the funds being lent are not blocked for an undue logon period of
tie, and borrower is in such a position to pay the entire amount outstanding
3) DISPERSAL
banker’s funds. It is also restricted, by the SBP, a bank cannot lend more
than 20% of its capital to one party. Dispersal of loan is very necessary from
the point of security as well, because it reduces the risk of recovery when
something goes wrong in one sector or in one field. For BAL security is the
4) REMUNERATION
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In order to meet his above mentioned expenses BAL runs a great risk;
and he has to think twice that the advances should not become bad or
doubtful and should not lent to borrower with whom the remuneration may
5) SUITABILITY
selected and suitable borrowers; but also in keeping with the overall national
conformity with the current national credit policy laid down by the SBP.
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parties:
1. COMPANY
2. PARTNERSHIP
3. INDIVIDUALS
4. GOVERNMENT
While lending to any of these parties the credit officer of BAL has to
1. COMPANY:
Where a company is a borrower the credit officer must ask and keep
standing. Credit officer should check with the registrar of joint stock
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List of directors
With public limited company verify its existence and standing on the
stock
Exchange.
2. PARTNERSHIP
Where the borrower is a partnership, the credit officer must ask to see,
following documents;
registration which will contain the name of the partners and the date of
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3. INDIVIDUAL
A continuing guarantee.
necessarily a decision for the officer concerned based on the reputation and
4. GOVERNMENT
Where the government is a borrower, the credit officer must ensure that
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Bank Alfalah
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65,167,031 40,098,09
Liabilities
Bills payable 758,961 305,658
Borrowing from financial institution 6,037,576 6,709,054
Deposits and other accounts 51,684,984 30,207,324
Sub-coordinated loans 650,000 -
Liabilities against asset subject to finance lease - -
Other liabilities 1,196,342 716,475
Deferred tax liabilities 1,186,501 -
61,514,364 37,938,411
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Bank Alfalah
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Presented By
Share Capital 1,000,000 750,000
Reserves 3,65,727 361,591
Unappropriated profit 250,050 249,701
Surplus on revluation of assets 2,036,890 798,392
3,652,667 2,159,684
Presented By
Share Capital 600,000 600,000
Reserves 299,469 286,399
Unappropriate profit 1,211 8,931
Shareholder’s equity 900,680 895,330
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887,152 895,330
surplus on revaluation of fixed assets 830,950 830,950
1,718,102 1,726,280
2,078,533 1,268,432
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Appropriations
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Bank Alfalah
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534,486 431,465
805,855 617,550
Operating Expense
Administrative Expense 503,256 402,559
Provision against non-performing advances (103,950) (136,076)
Bad debt written off directly - 175
Provision for other losses 7,619 -
406,925 266,658
398,930 350,892
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Bank Alfalah
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(185,000) (197,891)
Appropriations
(223,070) (151,305)
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Bank Alfalah
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Rupees ‘000
2002 2001
Mark-up Income 4,630,494 3,391,935
Non Mark-up / interest income 615,418 377,866
- operating expense
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Bank Alfalah
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Rupees ‘000
2000 1999
Mark-up Income 2,258,527 1,905,808
Non Mark-up / interest income 271,369 186,085
- operating expense
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Bank Alfalah
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Rupees ‘000
∆ in amount % age ∆
Mark-up Income 1238559 36.51
Non Mark-up / interest income 237552 62.86
- operating expense
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Bank Alfalah
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∆ in amount % age ∆
Assets
Cash & balance with Treasury Banks 654874 16.853
Balance with other banks (848480) (78.475)
Liabilities
Bills payable 453303 148.303
Borrowing from financial institution (671478) (10.008)
Deposits and other accounts 21477660 71.100
Sub-coordinated loans - -
Liabilities against asset subject to finance lease - -
Other liabilities 479867 66.976
Deferred tax liabilities - -
23575953 62.142
Net Assets 1492983 69.129
Presented By
Share Capital 250000 33.333
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1492983 69.129
- Operating expense
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Bank Alfalah
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2002.
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90
Bank Alfalah
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Liabilities
Bills payable 1.16 0.76
Borrowing from financial institution 9.26 16.7
Deposits and other accounts 79.31 75.33
Sub-coordinated loans 1.00 -
Liabilities against asset subject to finance lease - -
Other liabilities 1.83 1.78
Deferred tax liabilities 1.82 -
Net Assets
Presented By
Share Capital 1.53 1.87
Reserves 0.56 0.90
Unappropriated profit 0.38 0.62
Surplus on revluation of assets 3.125 1.99
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Assets
a) The liquid assets such as Cash & balance with Treasury Banks
high quality and maintains balances with other banks. The balance
with other banks decreases in 2002 i.e. 0.35 %as compare to 2001
which is 2.69%.
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A) REGULATORY RATIOS
Formula
Advances
Deposits
2002 28,319,401
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Bank Alfalah
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51,684,984
= 54.7 %
2001
19,131,494
30,207,324
= 63.33 %
2000
15,242,317
20,481,568
= 74.41 %
1999
10,327,324
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Bank Alfalah
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15,820,473
= 65.27 %
Interpretation
This ratio shows the decreasing trend except 2000 where it increase
from 65.27 to 74.41. Overall this ratio shows that management is not
aggressive toward advancing of loan.
The ration is calculating by dividing the cash on hand and cash with
other banks by total deposits of the bank. This ratio shows the
Formula
Total Deposit
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Bank Alfalah
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2002
1,122,962
51,684,984
= 2.17%
2001
772,140
30,207,324
= 2.55%
2000
324,503
20,481,568
= 1.584%
1999
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Bank Alfalah
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248,251
15,820,473
= 1.56%
Interpretation
Equity To Assets
assets.
Formula
Shareholder’s equity
Total Assets
2002
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Bank Alfalah
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1,615,777
65,167,031
= 2.47%
2001
1,361,292
40,098,095
= 3.39%
2000
900,680
27,577,159
= 3.26%
1999 895,330
98
Bank Alfalah
Limited
21,019,608
= 4.25%
Interpretation
Equity To Deposits
Formula
Total Deposits
2002
1,615,777
99
Bank Alfalah
Limited
51,684,984
= 0.312 x
2001
1,361,292
30,207,324
= 0.450x
2000 900,680
20,481,568
= 0.439x
100
Bank Alfalah
Limited
1999 895,330
15,820,473
= 0.56x
Interpretation
This ratio shows decreasing trend except 2001 which increases from 4.39 to
4.50.
C) EFFICIENCY RATIOS
Formula
Total Deposits
Total Liabilities
2002
101
Bank Alfalah
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51,684,984
61,514,364
= 84.01%
2001
30207324
37,938,411
= 79.62%
2000
20,481,568
25,859,057
= 79.20%
1999
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Bank Alfalah
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15,820,473
19,293,328
= 81.99%
Interpretation
This ratio increases in 2002 that is positive sign that bank has more
funds to invest. In 2000 and 2001 this ratio becomes down it mean
Formula
Investment
Assets
2002
24,694,397
65,167,031
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= 37.89%
2001
11,396,616
40,098,095
= 28.42%
2000
4,967,542
27,577,159
= 18.01%
1999 4,993,035
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Bank Alfalah
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21,019,608
= 23.75%
Interpretation
favorable trend. This shows that management does not work properly and
efficiently and not utilizing the assets fully by investment. In 2000 when the
D) PROFITIBILITY RATIOS
This ratio shows that what is the percentage of net profit to the total
income.
Formula
105
Bank Alfalah
Limited
Total Income
2002
446579
5245912
= 8.51%
2001
310,612
3769801
= 8.23%
106
Bank Alfalah
Limited
2000
215,350
2,529,896
= 8.51%
1999
160,236
2,091,893
= 7.65%
Interpretation
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Bank Alfalah
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Formula
Operating Profit
Total Income
2002
894653
5245912
= 17.05%
2001
524,164
3769801
= 13.90%
108
Bank Alfalah
Limited
2000
398,930
2529896
= 15.76%
1999
350,892
2091893
= 16.77%
Interpretation
Operating profit ratio shows the profits of a firm that earn on its
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Bank Alfalah
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This ratio shows that what is the percentage of gross profit to the total
income.
Formula
Gross Profit
Total Income
2002
2133599
5245912
= 40.67%
2001
1254727
3769801
110
Bank Alfalah
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= 33.82%
2000
805855
2529896
= 31.85%
1999
617550
2091893
= 29.52%
111
Bank Alfalah
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Return On Equity
equity.
Formula
Net Profit
Total Equity
2002
445,679
1,615,777
= 27.58%
112
Bank Alfalah
Limited
2001
310,612
1,361,292
= 22.81%
2000
215,350
900,680
= 23.90%
1999
160,236
895,330
= 17.89%
Interpretation
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Bank Alfalah
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In 2002 the ratio is increase from 22.81% to 27.58% . This shows that
for bank.
Formula
Net Profit
Total Assets
2002
446579
65,167,031
= 0.685%
114
Bank Alfalah
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2001
310,612
40,098,095
= 0.774%
2000
215,350
27,577,159
= 0.780%
1999
160,236
21,019,608
= 0.762%
Interpretation
115
Bank Alfalah
Limited
This ratio measure bank ability to utilize its assets to create profit by
decreasing trend. this mean that management is not properly using its
assets.
OPERATIONAL RESULT
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Bank Alfalah
Limited
BALANCE SHEET
OTHERS
117
Bank Alfalah
Limited
STRENGHTS
BAL provides its customers a complete range of banking products and
118
Bank Alfalah
Limited
customers.
WEAKNESS
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Bank Alfalah
Limited
Customers having accounts with small amounts are not given same
OPPORTUNITIES
Business in market
Branch network
Technology
THREATS
Emerging banks
120
Bank Alfalah
Limited
BAL is not using ATM while other banks or providing this facility
The following are the suggestions that I have recommend for the Alfalah
bank limited.
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Bank Alfalah
Limited
The bank must have to apply the marketing strategies to attract the
LIMITATION
services.
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Bank Alfalah
Limited
123