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Mobilization of advance

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Allama Iqbal Open University Islamabad COMMERCIAL AND INVESTMENT BANKING (8523) Topic: Mobilization of deposits in banking system of Pakistan Submitted To: Mr. Ali Afzal Submitted By: Mudassar Afzal Roll No. AR523807 Class: MBA (B&F) 4 th Semester
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Page 1: Mobilization of advance

Allama Iqbal Open University IslamabadAllama Iqbal Open University Islamabad

COMMERCIAL AND INVESTMENT BANKING (8523)

Topic: Mobilization of deposits in banking system of Pakistan Submitted To:

Mr. Ali AfzalSubmitted By:

Mudassar AfzalRoll No.

AR523807Class:

MBA (B&F) 4th Semester

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Deposit Mobilization

Deposit mobilization is a key first step in the financial intermediation process.(The process performed by banks of taking in funds from a depositor and then lending them out to a borrower.To mobilize the deposits, banks can do several activities. First, making finance activities. Those activities are good in wealth distribution, which can be useful for another party who needs the money.

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Bank Deposit

Money placed into a banking institution for safekeeping. Bank deposits are made to deposit accounts at a banking institution, such as savings accounts, checking accounts and money market accounts. The account holder has the right to withdraw any deposited funds, as set forth in the terms and conditions of the account. The "deposit" itself is a liability owed by the bank to the depositor (the person or entity that made the deposit), and refers to this liability rather than to the actual funds that are deposited.

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Deposit Accounts

A deposit account is a savings account, current account, or other type of bank account, at a banking institution that allows money to be deposited and withdrawn by the account holder.

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Current account /Checking accountA deposit account held at a bank or other financial institution, for the purpose of securely and quickly providing frequent access to funds on demand, through a variety of different channels. Because money is available on demand these accounts are also referred to as demand accounts or demand deposit accounts.

Money market accountA deposit account that pays interest, and for which short notice (or no notice) is required for withdrawals.

Types of Deposits

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Savings Account

Accounts maintained by retail banks that pay interest but can not be used directly as money (for example, by writing a cheque).

Fixed Deposit

A money deposit at a banking institution that cannot be withdrawn for a preset fixed 'term' or period of time. When the term is over it can be withdrawn or it can be rolled over for another term.

Call Deposit

A deposit account that allows for the withdrawal of funds without penalty, generally without notification to the bank. Often it bears a favourable interest rate, but also requires a minimum balance to take advantage of the benefits

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Case Study Case Study

Allied Bank Limited

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Allied Bank LimitedThe Bank started out in Lahore by the name Australasia Bank before independence in 1942; and became Allied Bank of Pakistan in 1974. In August 2004, because of capital reconstruction, the Bank’s ownership was transferred to a consortium comprising Ibrahim Group; therefore, it was renamed as Allied Bank Limited in 2005. Today, with its existence of over 70 years, the Bank has built itself a foundation with a strong equity, assets and deposit base. It offers universal banking services, while placing major emphasis on retail banking. The Bank has a large network of over 900 online branches and 700 ATMs in Pakistan.

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ABL Savings Account

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ABL Savings Account

PLS Savings Account

Allied Term Plus Deposits

Foreign Currency Term Deposit

Allied Advance Profit Plus Payment

Platinum Rewarding Profit Account

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Conclusion

All of those purposes are the bank’s strategy to make bank survive in operation of the

deposit mobilization, which affected to the states economic.

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Question

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