...report could not have been complete without the passion I had given by Allah and does not require any thanks on paper, as He knows all I have to say……….. “Praise to Allah, lord of the world, most beneficent, lord of the Day of judgment, we only we worship, and the only we asked for help, show us the straight path, the path of those whom thou hast favored. Not the path of those who earn thin wrath nor of those who go astray” Table of Content Content Page No Chapter 1 Executive Summary Historical Background Economic Landscape Vision Statement Mission Statement Vales Culture Goals Objectives Future Outlooks Chapter 2 Organizational Structure (Organizational Chart) Managing Directors OF HBL Board of directors Board committees Corporate Profile Domestic Branch Network International Branch Network Chapter 3 Managerial function Chapter 4 Chapter 5 SWOT Analysis...
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... 8 Branch network Vision Mission Hierarchy Chart 13 Managerial function 14 ▪ Planning ▪ Organizing ▪ Leading ▪ Controlling SWOT Analysis 15 Decision Making and Policy Making 16 ▪ Centralized ▪ Decentralized ▪ Decision Making Process ▪ Mangers Decisions Management Styles and Policies 18 ▪ Collective Participation in Decision-Making ▪ Employee Participation ▪ Delegation of Power ▪ Control Function Organization Structure and Design 19 Omnipotent or Symbolic View of management 21 Culture of the organization 21 ▪ Dimensions of Organizational Culture ▪ The Source of Culture ▪ How Employees learn culture ▪ Innovative culture ▪ Customer-responsive culture ▪ Focus on individual development ▪ Trust and openness ▪ Employee’s Empowerment ▪ Toleration of Employees Expression The Environment 24 ▪ Stakeholder relationships Socioeconomic view 25 Value-Based Management Managerial Ethics 27 Human Resource Management 27 ▪ Recruitment ▪ Selection ▪ Orientation ▪ Types of Training ▪ Career Development...
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...AN INTERNSHIP REPORT ON [pic] HABIB BANK LIMITED SUBMITTED TO Mr.nazik hussain SUBMITTED BY Beenish Ameer Roll #07 BBA(HONS) Morning SESSION 2009-2013 DEPARTMENT MANAGEMENT SCIENCES [pic] Islamia University Bahawalpur IN THE NAME OF ALLAH WHO IS THE MOST BENEFICENT THE MOST MERCIFUL PREFACE Internship is the one of the part of BBA programmed and this provide the practical knowledge of what students read about business in their books. The field of banking has always been a source of inspiration for me during my entire academic career. To work in a bank, to acquaint with its working mechanism was always a point of interest for me and God gave me a golden opportunity to complete my internship at HBL, one of the leading bank in Pakistan and well known in world due to its appearance in the international markets. I had a general idea about the banking, but once I practically started the internship in banking field I observed much about banking. To adjust myself in such a large commercial organization was not an easy task, but by the grace of Almighty Allah aids my internship in a befitting manner and I learned a lot about...
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...1.10 Factors to consider when globalising Factors Description Language Maldivian language factor has to be kept in mind. Well knowledge and language skill staff need to be recruited to adjust according to the local language Culture Countries are different from one other in terms of language spoken, religion practiced, and food eaten and in many other ways. These differences are very real and significant, and HNB should consider how these differences can hinder or facilitate the marketing efforts of the company in the Maldivian market. Market Attractiveness The attractiveness of a market can be assessed by evaluating the market potential in terms of revenues that can be generated, access to the market in terms of the host country being warm...
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...Executive Summary: Agrani Bank Limited (ABL) is established in 1972. It is a state owned bank. It is formed by the composition of ex-Habib Bank ltd and ex-Commerce Bank ltd. There are six section of ABL (Senpara branch) in GB- Cash, computer, account opening, clearing, Accounts and local remittance. The report indicates depth ratio analysis and financial performance of the year 2009, 2008, 2007 of Agrani Bank Limited. Here also calculate financial ratios like Liquidity, Asset Management, debt Management, Profitability, Market Value. Calculate these ratios for strong analysis and try to give a current and essential recommendation. Chapter -1 Introduction Background of the study: Agrani Bank Limited (ABL) is established in 1972. It is a state owned bank. It is formed by the composition of ex-Habib Bank ltd and ex-Commerce Bank ltd. Agrani Bank Limited is a Bank with an Authorized Capital and Paid-up Capital of Tk.800.00 million and Tk.248.00 million respectively. The total equity of the bank stands at 725.00 million as of December, 2010. The total profit of last year is about Tk.680.00 million . There are about 867 branches in which 10 branches are corporate. There are about 341 town branches and 526 rural branches. The board of directors is consisted of 11 members. The Chairmen and Directors are nominated by government. There are six section of ABL (senpara branch) – Cash, computer, account opening, clearing, Accounts and local remittance. Cash section receive...
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...Executive Summary: The aim of this study was to assess the effectiveness of Corporate Social Responsibility (CSR) practices of some local banks and track the performance of these banks with superior ratings for environmental, social and governance practices in Bangladesh and these banks are: Eastern Bank Limited, One Bank Limited and Mutual Trust Bank Limited. The study specifically focused on the extent to which companies practicing CSR complied with basic legal labor standards involving their employees and my marking 0 and 1 (0 for Null for practicing CSR,1 for CSR Practice). The study involved identification of companies providing CSR, obtaining information about the details of the CSR practices adopted at these companies (though looking at their website and interviews few of employees) and an assessment of how well these companies complied with basic CSR standards. The research found that most CSR practicing companies practiced CSR in their own specific way. It was often unclear how much money companies spend on CSR and it also found that many of these companies, whilst providing CSR, did not comply with the law in providing basic labor standards to their employees. The study also showed the comparison among these three banks with graph where graphical technique is informative in the field of statistics used to visualize quantitative data. Statistics and data analysis procedures generally yield their output in numeric or tabular form; graphical techniques allow such...
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...Background of AB Bank Limited AB Bank Limited, the first private sector bank was incorporated in Bangladesh on 31st December 1981 as Arab Bangladesh Bank Limited and started its operation with effect from April 12, 1982. AB Bank is known as one of leading bank of the country since its commencement 28 years ago. It continues to remain updated with the latest products and services, considering consumer and client perspectives. AB Bank has thus been able to keep their consumer’s and client’s trust while upholding their reliability, across time. During the last 28 years, AB Bank Limited has opened 77 Branches in different Business Centers of the country, one foreign Branch in Mumbai, India and also established a wholly owned Subsidiary Finance Company in Hong Kong in the name of AB International Finance Limited. To facilitate cross border trade and payment related services, the Bank has correspondent relationship with over 220 international banks of repute across 58 countries of the World. In spite of adverse market conditions, AB Bank Limited which turned 28 this year, concluded the 2008 financial year with good results. The Bank’s consolidated profit after taxes amounted to Taka 230 cr which is 21% higher than that of 2007. The asset base of AB grew by 32% from 2007 to stand at over Tk 8,400 cr as at the end of 2008. The Bank showed strong growth in loans and deposits. Deposit of the Bank rose by Tk. 1518 cr ie., 28.45% while the diversified Loan Portfolio grew by over 30%...
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...Costing Research Submitted To: Asphia Habib ACT202 Section- Submitted By: NAME | ID | | | | | | | Letter of Transmittal 6th December 2012 Ashphia Habib BRAC Business School BRAC University. Dear Ma’am, We are delighted to present the Report on “Environmental Costing and Analysis” of Square Bangladesh. Your instructions have been strictly followed by us to build up a vivid picture of the company’s Environment issues & cost performance as you have mentioned. Yours Sincerely, NAME | ID | | | | | | | Thank You. Executive summary Premier Cement Mills Ltd is one of the leading cement companies of the country. The company was started off by top ranking businessmen who had long years of experience in the cement business. In this report, we have tried to give a complete picture of the cement industry of Bangladesh. For a background, the history of the cement industry has been included. We have also focused on the various stages of the cement industry in our country hi-lighting on some of the important years and legal situations that took place. The ranking of the top ten cement companies have also been given which is followed by a thorough analysis of the cement industry in terms of different Environment issues. The position of the cement industry and Premier Cement Mills Ltd have been briefly explained in respect...
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...Islamic Bank B.S.C. (c) - Bahrain (AIB - Bahrain) established 1984 in Bahrain and up the years has pioneered the development of Islamic banking and finance. The Bank is registered with the Bahrain Ministry of Industry &, Commerce CR no. 14400 and is licensed by Central Bank of Bahrain (CBB) as an Islamic Retail Bank, with an authorized capital of US$ 600 Million, of which US$ 122 Million has been issued and fully paid.AIB - Bahrain is one of the Banking Units of Al Baraka Banking Group's (ABG). ABG is a Bahraini Joint Stock Company listed on Bahrain and Dubai stock exchanges and one of the well-known leading international Islamic banks. It has been rated by Standard & Poor's as BBB- with a short-term rating of A-3. ABG offers retail, corporate and investment banking and treasury services strictly in accordance with the principles of the Sharia'a. The authorized capital of ABG is US$1.5 billion, while the total equity amounts to about US$ 1.8 billion. The Group has a wide geographical presence in the form of subsidiary banking Units in 14 countries, which in turn provide their services through more than 400 branches. These banking Units are Jordan Islamic Bank/ Jordan, Al Baraka Islamic Bank - Bahrain, Al Baraka Bank Limited/ Pakistan, Banque Al Baraka D'Algerie/ Algeria, Al Baraka Bank Sudan/ Sudan, Al Baraka Bank Ltd/ South Africa, Al Baraka Bank Lebanon/ Lebanon, Al Baraka Bank Tunisia/ Tunisia, Al Baraka Bank Egypt/ Egypt, Al Baraka Turk Participation Bank/ Turkey...
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...Internship Report: BANK ALFALAH LIMITED Submitted By: MAIDAH MASOOD Roll # 107 Section: “C” Morning B-Com (Hons) Session: 2005-2009 Hailey College of Commerce, University of the Punjab, Lahore. The evolution of Bank Alfalah signifies a movement from concept to reality; a reality to bring about a change in the banking industries of Pakistan; offering an alternative way of banking; providing people an opportunity to practice beliefs in their financial matters. Following privatization, Bank Alfalah emerged as new identity of Habib Credit and Exchange Bank with a revived purpose and commitment. Charged with the strength of Abu Dhabi consortium and under the leadership of His Highness Sheikh Nahayan Mabarak Al-Nayayan, the bank has already made significant contributions in building and strengthening both corporate and retail banking sector in Pakistan. At present the bank has expanded its operations across Pakistan in 74 cities with 189 operational branches. However, it has total 195 branches that include 23 Islamic Banking branches, five overseas branches three in Bangladesh and two in Afghanistan and one offshore banking unit in Bahrain. It is pertinent to note that all of its branches commenced their operations in “Real Time Online Mode”. Today Bank Alfalah is the fifth largest Banking operation in Pakistan. Since its inception, it has registered the fastest growth rate ever...
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...Pakistan Telecommunication Company Limited 2 Annual Report 2012 Contents Company Review 4-5 Corporate Vision, Mission & Core Values 6-7 Board of Directors 8 Corporate Information 9 Awards and Achievements 10-11 The Management 12-15 Operating Highlights - Graphs 16-17 Group CEO's Message 18-35 Directors' Report 36 Composition of Board's Sub-Committees 36 Attendance of PTCL Board Members 38 Statement of Compliance with CCG 39 Auditors' Review Report to the Members Financial Statements 43 Auditors' Report to the Members 44-45 Statement of Financial Position 46 Statement of Comprehensive Income 47 Statement of Cash Flows 48 Statement of Changes in Equity 49-90 Notes to and Forming Part of the Financial Statements Consolidated Financial Statements 93 Auditors' Report to the Members 94-95 Consolidated Statement of Financial Position 96 Consolidated Statement of Comprehensive Income 97 Consolidated Statement of Cash Flows 98 Consolidated Statement of Changes in Equity 99-153 Notes to and Forming Part of the Consolidated Financial Statements Annexes 156-164 Pattern of Shareholding 165 Notice of 17th Annual General Meeting 167 Form of Proxy 3 Pakistan Telecommunication Company Limited Vision & Mission Corporate Vision To be the leading ICT service provider in the region by achieving customers’ satisfaction and maximizing shareholders’ value. Mission To achieve our vision by having: • An organizational environment that fosters professionalism, motivation...
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...1. Introduction This is the final project of the Course Named: Investment & Portfolio Analysis. The purpose of this project is to examine thoroughly if the CAPM holds true in the emerging capital market of Pakistan. Tests are conducted for a period of five years (2005-2009), which is characterized by intense return volatility (covering historically high returns over the examined period). 2.1. Karachi Stock Exchange * Incorporated on March 10, 1949 * Premier Stock exchange of the country * Started with 5 companies that had a paid up capital of Rs. 37 million. * Trading was done through an open-out-cry system * The first index was the KSE 50 Index * Exchange owned by 200 members * 652 companies listed * 4 indices * Modern Risk Management System a. Var Based Margin b. Pre Trade Margin Verification * KSE is FIX Compliant * Electronic Trading through KATS * Market capitalization*: US $ 26.04 billion * Publicly Listed Company with strategic investor * Products to include: a. Options b. ETFs c. Tradable Sector Indices d. Debt Market Trading * Broad based investor participation * Cross border listings of companies * Opening up of branches in other cities and in the region 2.2.1. Definition A stock exchange, share market or bourse is a corporation or mutual organization which provides facilities for stock brokers and trader s, to trade company stocks and other...
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...Substance and Difference Makers Investor’s Guide Ijaz Nisar Founder & President Manager Today Magazine | CEO Club Pakistan CEO Club Pakistan Publications Copyright© 2014 Manager Today Magazine | CEO Club Pakistan All rights reserved Printed in Pakistan No part of this publication may be reproduced, stored in or introduced into a retrieval system, or transmitted in any form, by any means (electronic, mechanical, photocopying, recording or otherwise), without the prior written permission of the author and Manager Today. Requests for permission should be directed to: managertoday@live.com Manager Today Publications are available at special quantity discounts to use as premiums and sales promotions, or for use in corporate training programmes. For information, please contact Head Circulation Manager Today Publications Division at: 0092 300 452 1298 | 0092 423 579 2066 Published by: Supported by: Dedication This book is dedicated to our visionary leader, Quaid-e-Azam Mohammed Ali Jinnah, the founder and the father of the nation who defined Leadership: “The things that will destroy us are knowledge without character, worship without sacrifice, politics without principles and leadership without integrity.” I would like to express my sincere gratitude for all the help, support and assistance to the team of Manager Today. Its contribution and encouragement made the whole venture a delightful...
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... Acknowledgement First and foremost, I thanks to my God. Besides we would like to thank to our honorable teacher and supervisor of this report MD. Shibli Shahrir for the valuable guidance and advice. He inspired us greatly to study in this project. His willingness to motivate us contributed tremendously to our report. We also would like to thank him for showing us some example that related to the topic of our report. Besides, we would like to thank the authority of Daffodil International University (DIU). It gave us an opportunity to participate and learn about the leadership. iv Executive Summary Dr. Muhammad Yunus (born 28 June 1940) is a Bangladeshi banker, economist and Nobel Peace Prize recipient. He is the founder of the Grameen Bank. He gives the loan to rural poor people to be self-sufficiency....
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...SUMMIT BANK LIMITED MULTAN ROAD BRANCH [pic] An Internship report Submitted in Partial Fulfillment For The Degree of Masters of Science In Accounting & Finance AMNA HAMID Session (2008-2010) Department Of Accounting & FinanceKinnaird College for Women, Lahore [pic] Executive summary “The purpose of study was to know about SUMMIT BANK LIMITED and to analyze the financial statement. “ In this report the Summit Bank’s history, mission, vision and services as well as management is mentioned. After this the analysis of financial statements is conducted which shows where the Banks is standing. Banking sector of Pakistan has been transformed within a short period of 5 years from a sluggish and Government dominated sector to a much more agile, competitive and profitable industry.Speed and sequencing of banking sector transformation and its role in promoting economic growth is now a leading story of a sector succes.Within Pakistan SBP offers a story of what effective leadership of regulator and change management and corporate governance can achieve and offer.Outside pakistan it is serving to offer rich lessons in what difference governance of regulator can make and how bank restructuring and privatization can change the lanscape of of the industry. Summit Bank Limited started operations in August 2006 and became a profitable entity within one year.AHBL had started off with a high capital base and is positioned to take advantage...
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