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banking like National Bank of Pakistan, the bank has progressed and emerged as one of the foremost financial institution in the country.

There are eleven divisions in the head office in Karachi, Pakistan. These divisions are made on the basis of the business areas. A team of highly qualified and competent professional having experience in local and international financial institutions is working hard to achieve the goals set by the board of directors. The different business areas/divisions are:

• Corporate & Investment Banking

• Branch Banking & SME

• Priority Banking & Wealth Management

• International Business

• Treasury

• Consumer Finance

• Information Technology

• Human Resource & Quality Assurance

• Training & Development

• Risk Management

• Commercial Banking

(Bank Alfalah Limited 2009).

The bank is providing premiere services at an affordable cost to its customers. Bank Alfalah Ltd offers a wide range of products and services such as:

• Branch Banking:

Branch banking involves deposits, lockers, foreign trade, remittances Hilal/ debit cards etc.

• Consumer Banking:

Consumer banking consists of home loans, auto/vehicle loans, credit cards etc.

• Electronic Banking:

Electronic banking involves telephone banking, ATMs etc.

• Corporate Banking:

Corporate banking involves lease finance, trade finance, structured finance, SME, agricultural finance etc.

• Treasury & Investment:

Treasury and investment include Nostro account, money gram, home remittances, money market, forex market etc.

• Islamic Banking:

Islamic banking involves Alfalah musharaka homes, Marhaba finance, Alfalah car ijarah etc.

(Bank Alfalah Limited 2009)

Competitors in Pakistan:

Pakistan's banking sector has developed quiet a lot in the past two decades. The reasons for the development in the Pakistan's banking sector are quiet obvious. More and more multinational banks having diverse experience of banking and customers around the world are entering Pakistan's banking sector. Pakistan has a well-developed banking system. This banking system consists of a wide variety of financial institutions ranging from central banks to commercial banks to specialised agencies to provide the special requirements of specific sectors.

In Pakistan there are three main types of competitors of Bank Alfalah Ltd.

• Nationalised commercial banks

• Privatised banks

• Foreign banks

The nationalised commercial banks consist of Habib Bank Ltd, United Bank Ltd, National bank Ltd and First Woman Bank Ltd. Private banks include banks like Askari Bank Ltd, Prime Commercial Bank Ltd, Bank of Punjab, Bank Al 本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。