10 Ba Compt It or Analysis

8/21/2019 10 Ba Compt It or Analysis

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Summer Internship Report

ForBank Alfalah

Submitted By:

Your Name

Submitted To:

Internship Coordinator

Submitted On:

1


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Table of Contents

!"!C#TI$! S#%%ARY &

' INTRO(#CTION )

'* C!NTRA+BAC,-RO#N(INFOR%ATION )

'*' CO%.ANYBAC,-RO#N( /

0 CO%.ANY1S ANA+YSIS 2

0* O.!RATIONA+ANA+YSIS 2

0*' FINANCIA+ANA+YSIS '

3.2.1 OPERATIONALRESULT 123.2.2 BALANCESHEETRESULTS 13

3.2.3 R ATIOANALYSIS 140*0 3#%ANR!SO#RC!ASS!SS%!NT &3.3.1 BATCHTRAINEES 163.3.2 DIRECTINDUCTIONOFFRESHCANDIDATES 163.3.3 EXPERIENCEDPROFESSIONALS 173.3.4 TRAINING 173.3.5 BENEFITSPROVIDEDBYBANKALFALAH 180*4 %AR,!TIN-ANA+YSIS 5

3.4.1 ELECTRONIC 13.4.2 PRINT 13.4.3 SPONSORSHIPS 2!

4 !N$IRON%!NTA+ ANA+YSIS '

4* IN(#STRYAN(%AR,!TANA+YSIS '

4.1.1 "A#ORPRODUCTLINES"ARKETSEG"ENTS 214.1.2 GRO$THRATEFORTHEENTIREINDUSTRY 234*' CO%.!TITORANA+YSIS '&

4.2.1 "A#ORCO"PETITORS 254.2.2 THEIR"ARKETSHARES 264.2.3 THEIRGOALSANDSTRATEGIES 284*0 T!C3NO+O-YANA+YSIS 02

4.3.1 TECHNICAL"ETHODSTHATAFFECTTHEINDUSTRY 3!4.3.2 INNOVATION 31

& (!.ART%!NTS 6OR,!( (#RIN- INT!RNS3I. 0'

&* ACCO#NTSO.!NIN-(!.ART%!NT 0'

5.1.1 "A#ORDEPOSITACCOUNTPRODUCTS 325.1.2 BASICRE%UIRE"ENTSFORACCOUNTOPENING 345.1.3 INTERNALCODESFORBANKALFALAHACCOUNTS 34

2


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5.1.4 "A#OR$ORKDONEBYACCOUNTOPENINGDEPART"ENT 35&*' 3O%!FINANC! 07

5.2.1 "A#ORHO"EFINANCEPRODUCTS 365.2.2 FEATURESOFHO"EFINANCE 375.2.3 PROCEDUREFORAHO"ELOAN 37&*0 CARFINANCIN- 0/

5.3.1 PROCEDUREFORCARFINANCING 38&*4 ACCO#NTS(!.ART%!NT 42

5.4.1 ACTIVITYCHECKING 41&*& CR!(ITS(!.ART%!NT 4'

5.5.1 FUNDEDCREDITLINEFACILITY 425.5.2 UNFUNDEDCREDITLINEFACILITY 435.5.3 TYPESOFSECURITIES 45&*7 O.!RATIONS(!.ART%!NT 47

5.6.1 CLEARING 465.6.2 TRANSFERS 485.6.3 R E"ITTANCES 45.6.4 CASHTRANSFERS 51

7 I(!NTIFICATION OF A %AIN .ROB+!%S AN( FIN(IN-S &'

7* T!C3NO+O-ICA+A($ANC!%!NTS &'

7*' TRAININ-8 (!$!+O.%!NT &'

7*0 9OBA($ANC!%!NTS &'

7*4 +AC,OF!%.+OY!!SINSO%!(!.ART%!NTS &'

7*& N!6.RO(#CTSINTRO(#CTION &0

7*7 .RIORITYBAN,IN- &0

7*) A%!NITI!SATBRANC3 &0

7*/ INC!NTI$!SC3!%!S &0

) CONC+#SION &4

/ R!CO%%!N(ATIONS &&

/* T!C3NO+O-ICA+A($ANC!%!NTS &&

/*' 6OR,S3O.SAN(CO#NS!+IN- &&

/*0 INC!NTI$!S &&

/*4 .RIORITYBAN,IN-AN(B#SIN!SS(!$!+O.%!NT(!.ART%!NT &7

/*& INNO$ATI$!.RO(#CTS &7

/*7 .+AC!%!NTSOF!%.+OY!!S &7

/*) A%!NITI!SINBRANC3 &7

5 A..!N(I" &)

5* 6!BR!SO#RC!S &)

5*' R !.ORTS &)

5*0 BA+ANC!S3!!T!"TRACTFORBAN,A+FA+A3'227 &/

5*4 .ROFITAN(+OSS!"TRACTFORBAN,A+FA+A3'227 &5

3


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Table of Illustrations

FIGURE1& CELEBRATING1! YEARSOFBANKALFALAH ..................................................................................

TABLE1& CITIES$HEREBANKALFALAHHASITSBRANCHES.......................................................................1!

TABLE2& PROFITCO"PARISONFOR 2!!5 ' 2!!6.........................................................................................12

FIGURE2& PROFITFIGURESFORTHEPASTFIVEYEARS(IN"ILLION).............................................................12

FIGURE3& ADVANCESANDDEPOSITSFORTHEYEAR 2!!!*2!!6...................................................................13

FIGURE4& STOCKPRICEFORTHEPERIODDEC!4*DEC !6.............................................................................14

TABLE3& EPS FORTHEPERIOD 2!!!*2!!6....................................................................................................14

FIGURE5& TOTALNU"BEROFE"PLOYEESFORTHEPERIOD 2!!!*2!!6......................................................15

FIGURE6& PROCEDUREFORACCEPTINGBATCHTRAINEES............................................................................16

FIGURE7& PROCESSFORE"PLOYINGFRESHCANDIDATES............................................................................17

FIGURE8& PROCEDUREFORE"PLOYINGEXPERIENCEDPROFESSIONALS......................................................17

FIGURE& A PRINTADVERTISE"ENTOFBANKALFALAH..............................................................................2!

FIGURE1!& UNVEILINGLOGOFORACRICKETSERIES...................................................................................2!

TABLE4& SERIESSPONSOREDBYBANKALFALAH........................................................................................2!

TABLE5& TYPESOFCREDITCARDSANDTHEIR"ARKETSEG"ENTS..............................................................22

FIGURE11& SEG"ENTATIONOFTOTALASSETS...............................................................................................23

FIGURE12& SEG"ENTATIONOFTOTALLIABILITIES........................................................................................24

TABLE6& LISTSOFLOCALPRIVATEBANKS...................................................................................................25

TABLE7& LISTOFFOREIGNBANKS................................................................................................................25

TABLE8& "ARKETSHARESINTER"SOFDEPOSITS.......................................................................................26TABLE& "ARKETSHARESINTER"SOFPROFITAFTERTAXES....................................................................27

TABLE1!& PROFITSPAIDONROYALPROFITACCOUNT..................................................................................33

TABLE11& INTERNALCODESFORSO"EACCOUNTS......................................................................................34

TABLE12& "ARKUPRATESFORCARFINANCING.........................................................................................38

4


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1 Executive SummaryP+,-/+0 +/ //-0 -/ -000 - 09/ -0:-/ + /90 ;+0,-0 -0 + 0


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9?/-/9 9 B+0, A++: 9 9 9?/-/-90 +0 + ?+-0= + 0+/-90+=

-099+/ ;+0, +0 + > -0/0+/-90+ ;+0, /:+/ + >+0/ /9 ;9? /: +-0

;+0, 9 P+,-/+0 ;= +/-0 9? -0 /: -0


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2 Introduction

2.1 Central Background Information

B+0,-0 - 90 9 /: ?9/ 0-/-@ ;9. B+0, += +0

-?9/+0/ 9 -0 /: 909?= +0 + 90- + /: ;+,;90 9 +0 909?= -0

@= 9


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O/: +


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H.E. S:-,: H+?+0 B-0 "


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3 Companys Analysis

3.1 Operational Analysis

B+0, A++: - 9+/-0 >-/: +0 /0-@ 0/>9, 9 18 ;+0: 0+/-90>- /:+/ +

+ +9@ /: 9


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+: 90/9 +0 ?90-/9 ;= /:- /-@ ++ 9-. T: + ++ 9- -0

/: 09/:0 ++.

E+: ;+0: 9 B+0, A++: 9?


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3.2 Financial Analysis

N9 9?+0= +0 ?+-0 -0 ;+0/ /9 ;9? + ?- ;+0,-0 -0/-/


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3.2.2 'alance S(eet !esults

T: /9/+ +/ 9 2!!6 +?9:-: -0 ;= -0@/?0/ ?+ ;= /: ;+0, 9

R. 565!221! (!!!).

T: /9/+ -+;--/- 9 /: =+ 2!!6 +?9:-:

9-/ +0 9/: +9


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Soure: State Bank of .akistan 6ebsite

E+0-0 :+ - +0 -?9/+0/ +/-9 /:+/ -


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Return on Total !Duity: T:- +/-9 -, /: ROA @-9+ +0 -0+ -0 9??90 /9,:9 -0 ;+0, -0 P+,-/+0 /:+/ 9@- -/

-/: + 0


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3.3.1 'atc( Trainees

A ?9= / /:9


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Soure: Bank Alfalah 6ebsite

3.3.3 Experienced &rofessionals

B+ 90 :9 >-: /9 9-0 :+0 >-/: B+0, A++:. T: 9


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9;-+/9= 9 +: /+ ??; 9 /: ;+0, /9 +//0 +/ +/ />9 += 9 /+-0-0 -0 +

+0+ =+ >-/: /+-0-0 9+? -0 /: 99>-0 ++&

C90


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3. !arketing Analysis

I0 /9+= 90/?9+= ;9 ?+,/-0 += +0 -?9/+0/ 9 +0 ;+0,


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T: ?+ 9 /: +@/-?0/ + ?+-0= 9 0> -0+0-+ @- /:+/ /: ;+0,

?+= -0/9+ S9-/= (APNS) +@ S=0= A@/--0 /: G9 A>+ 9 B/

V-:0@

/: - + /9+ 15/:D 2!!4

2!

Soure: (ailyTimes*om*pk


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$ Environmental Analysis

.1 Industry and !arket Analysis

$.1.1 a/or &roduct 0ines ar-et Se,ments

B+0,-0 S/9 :+ + >- @+-/= 9 9


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/


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-0-@--/: :-: -09?

P+/-0


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Soure: Bankin; Statistis of .akistan '227 ?SB.@

T9/+ +@+0 9 2!!6 +?9+ 2!.17 9? /: +/ =+.

T: /9/+ -+;--/- 9 2!!6 +?9-/: + 9>/: 9

15.14 9? /: +/ =+. T: ?0/+/-90 9 /9/+ -+;--/- - + 99>

Fi;ure ': Se;mentation of Total +iabilities


D9-/ +0 9/: +9 + 9>/: 9 12.4 9? /: +/ =+.

T: 9-/ 9 /: =+ 2!!6 +9-0 /9 /: B+0,-0 S/+/-/- 9 P+,-/+0 2!!6 9/

9 + ;+0, >+ R. 84176(?--90) >-/: + 9>/: 9 33.

A9 +9-0 /9 + 9/ 9 /: D+-= T-?6 90


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.2 Competitor Analysis

$.2.1 a/or Competitors

T: 9>/: -0 /: ;+0,-0 -0


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Soure: 6ikipedia*om

H9>@ B+0, A++: /:+/ -/ ?+9 9?/-/9

+ + 99>&

U0-/ B+0, L-?-/ (UBL)

"CB B+0,

C-/-;+0,

A,+- B+0,

A + + UBL - 900 B+0, A++: /:+/ -/ - + 9?/-/9 ;+0 /:?.

F


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thousands@ %arket Shares Banks %arket

Shares

%arket Shares

Bank Alfalah '05&2505 )E /E

Askari Bank 13183283 4 4

%CB Bank 257461838 8 8

#nited Bank+imited

335!77873 1! 11

Citi Bank 631!3884 2 42

Total %arket

Shares

31 31 42

Total (eposits

?in millions@

0'2200'

Total (eposits

of (omesti

Banks ?in

millions@

02&2'05

Total (eposits

of Forei;n

Banks ?in mill@

&2250

A 9-/ -0 + ;+0, + +0 -0-+/9 9 -/ 9?+0 -0 /? 9 +-0-0 90-0

9 /: 9 9 /:- -0-+/9 9 ?+ /:+/

;+0, A++: :+ + @= 9 9?/-/-90 -0 /? 9 9-/.

A09/: ?+


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Total Forei;n

.rofit

4'//222222


P9-/ +/ /+ :9> :9> /-@= + 9?+0= - 9+/-0 +0 ?9 9-/ :9>

09/ 90= :9> /:+/ /: 9?+0= -


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$.2.3 T(eir oals and Strate,ies

4*'*0* #nited Bank +imited

UBL >+ /+;-: -0 15 /9 9@- ;+0,-0 +--/- /9 /: 0+/-90 +/ -/

0+/-90+-+/-90 -0 171 /: ;+0, ;+? +0 -0--0/ 0/- :9>@ +/ -/

-@+/-+/-90 -0 2!!! /: >:9 + 9 UBL :+ ;0 :+0.

T9+= UBL /+0 90 + 9- 0/>9, 9 ?9 /:+0 1!!! ;+0: 0+/-90>- +0 15

9@+ ;+0: +0 >-/: +0 -0 9 46 =+ -/ ?+-0 9+ - /9 ;9? /:

+-0 ;+0, 9 P+,-/+0.

T9 +:-@ -/ 9+ UBL :+ -0/9


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4*'*0*0 Askari Bank

A,+- C9??-+ B+0, >+ /+;-: -0 12 >-/: /: @--90 9 ?+-0/+-0-0

0/ /+0+ 9 ;+0,-0 9+0 A, U.

A,+- B+0, :+ + >- @+-/= 9 9


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.3 "ec#nology Analysis

$.3.1 Tec(nical et(ods t(at Affect t(e Industry

T: ;+0,-0 -09, -0


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S-? /+, /:099-.

"9 +@+0 -09?+/-90 =/? -0 ;+0, /:+/ + ?9


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# *epartments or-ed *urin, Interns(ipI - ?= -0/0:- +/ B+0, A++: I*8 "+,+ 9 + /9/+ , +0 /:

+/?0/ /:+/ I >9, &

A9


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&***0 Basi Bankin; Aount ?BBA@

B+- B+0,-0 A9+ -0/9


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#.1.2 'asic !e4uirements for Account penin,

T: ;+-


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#.1.$ a/or or- *one by Account penin, *epartment

&**4* Stop .ayment

I +


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$.2 Home Finance

B+0, A++: :+ -0/9


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#.2.2 +eatures of 5ome +inance

S9? 9 /: +/&

A /0


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$.3 Car Financing

C+ -0+0-0 :+ ;9? 90 9 /: ?9/ -0 -0+0-+ 9


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9


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$. Accounts %epartment

A9,= ?90/:=


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#.$.1 Activity C(ec-in,

I0 /: +9


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.akin;

A/ /: +/-@-/= - :, + 9/ @9


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,+9;+ -0+0 + +? >-/: 90 ;- -0 >:-: - /:+/ -0 ,+9;+ -0+0 /:

-0-@-


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&*&*'* +etter of Credits

A // 9 -/ - + >-//0


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&*&*'*0 .roess for +C1s 8 +-1s

T: 9 9 LC +0 LG - + /0 / 9&

1. A


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$.& Operations %epartment

T: 9+/-90 +/?0/ - 90-; 9 /: ?+9 +/-@-/-&

C+-0

T+0

R?-//+0

C+: T+0

I0 + ;+0: 9 B+0, A++: + /: 9; + 90 ;= -0/ +/?0/ ;


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&*7**' Out=ard Clearin;

C:0 ;= N90*B+0, A++: 0 + 9+ +-0 :&

1. C::9 :+ +>0 /:- :@ :9&

1. T: :


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$:0 /:+/ ++ ;+0: + /: +?99 /= 9 /+0&

1. I0/0+ T+0

2. O0-0 T+0

&*7*'* Internal Transfers

I0/0+ /+0 /+, + >:0 + B+0, A++: I*8 "+,+ +9 +

:&1. T: ;+0, 9- 9/ /: :


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5. $:0 -/: /: 9--+ /+? +0 ,/

>-/: /: ;+0,.

#.%.3 !emittances

T: + />9 ?+-0 /= 9 -0/


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&*7*0*' (emand (raft

D?+0 D+/ - +09/: >+= -0 >:-:


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C- /:0 /+0 /:+/ ?90= /9 B+0, A++: K++:-. T: 0/- +&

C-/-;+0, AM

B+0, A++: N9/9 AM (:-)

L+/ B+0, A++: >- /+0 /: N9/9 AM ?90= -0/9 /: ?+0 +9 >:0 /: - 9? /9 /+, :- ?90= /: 99>-0 0/- >- ; ?+&

D?+0 AM

C-/: /: +: 9-/ +0

>-/:+> ?+ ;= B+0, A++: I*8 "+,+ +99 /= 9

+: >-/:+> +0 9-/. T: -/ - >:0 + B+0, A++: I*8 "+,+ +9-/:+> +: >:- /: 90 90 - >:0 + B+0, A++: +9-/: +0 90-0 +9-/:+> 9 9-/ ?90= /9 :- +9


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% Identification of a ain &roblems and +indin,sT: ?+-0 @--90 9 B+0, A++: - /9 ;9? + ?- ;+0,-0 -0/-/9, /:

+ ?+0= +--/:

/+-0-0 +0 @9?0/ - /:+/ -/ - 90= +@+-+; 9 /: 9- 9 /: ;+0, +0 09/

9 /: 9> /+ ??;.

&.3 )o* Ad'ancements

T: - 09 9; +@+0?0/ 9 /+ ??; 9 + /:+/ /:

9> /+ :9


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&. +ack of ,mployees in some %epartments

A/:9@ -/ >+ 9;@ /:+/ /: > 9? +/?0/ -0 /: ;+0, /:+/

+, /: 0


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7 ConclusionT: 909?= 9 /: 9-/: /: -0@/?0/ +@9+; 9-- +0

/:- ?99/: -??0/+/-90 /: 9 9 ;+0, -0 /9+= 909?= :+@ ;9? +0

-?9/+0/ 90.

T: ;+0,-0 -0 =+. T: + + 0


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I0 /: +/ /-90 I >9- ;-0 ;0-/ /9 B+0, A++:.

8 !ecommendations

S9? 9 /: 9??0+/-90 /:+/ I >9:-:

?+= -0


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I0/9+ +/ ;+0: +0 -90+ @.

#9; 9/+/-90 9+? /9 0:+0 /: ,- 9 ?9=.

. /riority Banking and Business %e'elopment %epartment

T: - 09 -9-/= ;+0,-0 +/?0/ +/ B+0, A++: -, /:+/ 9 9/: ;+0,. A

-9-/= ;+0,-0 +/?0/ :9


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9 Appendix

4.1 e* Resources

B+0, A++: (>>>.;+0,+++:.9?)

T: D+-= T-? N>+ (>>>.+-=/-?.9?.,)

$-,--+ (>>>.>-,--+.9?)

ABN A"RO P+,-/+0 (>>>.+;0+?9.9?.,)

U0-/ B+0, L-?-/ (>>>.>>.;.9.,)

A,+- B+0, (>>>.+,+-;+0,.9?.,)

"CB B+0, (>>>.?;.9?.,)

C-/-;+0, (>>>.-/-;+0,.9?M+,-/+0)

4.2 Reports

A00


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4.3 Balance #eet ,5tract for Bank Alfala# 266&

5


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4. /rofit and +oss ,5tract for Bank Alfala# 266&

6!


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