INTERNAL ANALYSIS OF ASKARI

COMMERCIAL BANK LIMITED

DEDICA TION

We dedicate th is project to all the

ded icated staff
Of
Askari Commer cial Bank .

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ACKNOWLEDGEMENT

By the grace of God and the most efforts of our group. We

are able to accomplish our project well in time. At this
moment we must pay special thanks to our guiders for
their Cooperation and guidance that made us accomplish
our Project. Also it is matter of great pleasure for us to
put our efforts just in front of well esteemed
Organization i.e. Askari Commercial bank. Also we are
grateful to the staff of the bank, who showed a keen
interest and cooperated whole heartedly through out the
entire course of activities.

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 ASKARI COMMERCIAL BANK LIMITED

INTRODUCTION:
Askari Commercial Bank Limited is a division of Army Welfare Trust of
Pakistan (AWT). It was incorporated in Pakistan on October 9, 1991, as a
public limited company. It commenced its operation on April 1, 1992. Askari
Commercial Bank Limited is a scheduled commercial bank and it works under
the prudential regulations of the State Bank of Pakistan and is engaged in the
business of banking, as defined in the Banking Companies Ordinance, 1962.
The Bank is listed in Karachi, Lahore and Islamabad Stock Exchanges and its
share price is currently the highest quoted from among the new private sector
banks in Pakistan currently 48% of its shares are held by AWT.

Askari Bank has expanded into a nation wide presence of 98 Branches, and
an Offshore Banking Unit in Bahrain. A shared network of over 1,100 online
ATMs covering all major cities in Pakistan supports the delivery channels for
customer service. As on December 31, 2005, the Bank had equity of Rs. 8.6
billion and total assets of Rs. 145.1 billion, with over 600,000 banking
customers, serviced by our 2,754 employees.

OBJECTIVES:
To achieve sustained growth and profitability in all areas of business.
To build and sustain a high performance culture, with a continuous
improvement focus.
To develop a customer-service oriented culture with special emphasis
on customer care and convenience.

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 To build an enabling environment, where employees are motivated to
contribute to their full potential.
To effectively manage and mitigate all kinds of risks inherent in the
banking business.
To maximize use of technology to ensure cost-effective operations,
efficient management information system, enhanced delivery
capability and high service standards.
To manage the Bank’s portfolio of businesses to achieve strong and
sustainable shareholder returns and to continuously build shareholder
value.
To deliver timely solutions that best meets the customers’ financial
needs.
To explore new avenues for growth and profitability.

MISSION STATEMENT:

“To be th e leading p rivate sector bank in P akistan wi th an

inte rna tiona l presenc e, d elivering q ua lity service th rough
inno vative techno logy and effective hu man r esour ce
management i n a modern and p rogress ive organizationa l
culture of meritocracy, mainta ining high ethi cal and
profess iona l stand ards, whi le providing enha nc ed value to our

sta keho lders and contr ibuti ng to society”

THE VISION:
“To be th e Bank of First Choice in the Region ”
CORPORATE PHILOSOPHY:

Inspiring Relationships

From knowing its customers requirements to understanding employee needs,

from utilizing modern technology to making responsible social contributions,

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form enhancing stakeholders value to practicing corporate ethics, ACBL is
striving consistently and continuously to address newer challenges with a
single motivation, which is

“The power to inspire and be inspired”

Inspiring Ethic And Core Values Of ACBL:

Integrity is the most valued standard in whatever we
do. We understand that our commitment to satisfy customers' needs must be
fulfilled within a professional and ethical framework. We subscribe to a
culture of high ethical standards, based upon development of right attitudes.
The intrinsic values, which are the corner stones of our corporate behavior,
are:
 Com mitment
 Integrity
 Fairness
 Teamwork
 Service

ANALYSIS OF
ASKARI

COMMERCIAL BANK

LIMITED

OPERAT IONAL AN ALYSIS

The departments in ACBL are divided into large ‘groups’ and each group has
other small departments to handle and those small departments are called
‘divisions’. Each division is then divided into ‘units’. Following are different
groups along with their responsibilities and overview of their divisions and