RECOMMENDATIONS

I spent Eight weeks of my internship in BAL IBD City Center RYK. During these eight weeks, I felt myself to be a part of BAL. Even, this was not my first experience of working in a banking organization, but I learned a lot from this experience. Based on my experience & observation regarding the operations and policies of Bank Alfalah, I have tried to stipulate some recommendations for further improvement. MARKETING BAL has formulized a lot of products and services for its customers, even more than other commercial banks, but advertisement on electronic media has not been seen at a high level. So, I think that there should be a proper marketing department and advertisement expenditures of the bank should also be increased to improve its visibility and to publicize its financial schemes. ENHANCED COMPUTER NETWORK The bank should emphasize much on computer technology. Like other banks, BAL should enhance its on-line services. Bank, also should concentrate on E-banking and use of ATM. Moreover, bank should also emphasize on enhancing its website information. One drawback that I observed in BAL, IBD, City Center Road was manual preparation of negotiable instruments like PO, DD etc. Due to growing business requirements of concerned branch, it should be provided more facilities.

EXPANSION IN BRANCH NETWORK Bank Alfalahs business has grown with a tremendous pace. There have been considerable profits just with in a short span of time. Therefore, due to the expanding business requirements, BAL should expand its branch network to capture other business markets. TRAINING FACILITIES AND SEMINARS

Human resource constitutes the most valuable asset for an organization. To improve the professional skills and quality, BAL has started six-months comprehensive training program, that is really a commendable step taken by BAL. Bank, apart from this program, conduct some training programs for existing employees to improve their proficiency. Also, Bank Alfalah should arrange some seminars to make its visions and objectives, clear to every one. EQUAL STATUS OF BRANCHES One major & alarming drawback that I observed in City Center Branch, is the inferiority complex faced by some employees. I observed some employees to be the victim of complex. So, to avoid such discrepancies, seminars should conducted to signify the importance of each branch. EXPANSION & RECRUITMENT IN CIRCULAR Rd. BRANCH In BAL, IBD, City Center the staff is not enough to meet these requirements. I found that some employees were burdened with overwork, even some clients complaint for the slow service. Therefore, more staff should be recruited. Also, there should be an expansion in the area of branch to meet the requirements of growing business transaction.