Presentation Topic : ASKARI BANK

Presented By:

Muhammad Imran FayyazMuhamad MoazzamM. Junaid Ahmed

001003079

Part I

Company’s Overview

By:

M. Junaid Ahmed

Introduction

Formerly known as “Askari Commercial Bank”

Incorporated on October 9, 1991.

Listed on Karachi, Lahore and Islamabad Stock Exchange.

A network of 226 Branches.

Has 31 dedicated Islamic Branches

Introduction con’d

A network Of 4173 Online ATM’s

Has 984,485 banking customers

Has 6,159 employees

With Equity of 14.95 billion

Total Assets 254.33 billion

Subsidiaries

Askari Investment Management Limited

Askari Securities Limited

Awards and Achievements

“Best Retail Bank in Pakistan” by The Asian Banker

“Ist Consumer Choice Award 2004”by Consumer Association

“Corporate Excellence Award 2002 2003,2004”

by (MAP)

Awards and Achievements cont’d

“The best Bank in Pakistan 2001, 2002”by Global Finance Magazine

“Best Consumer Internet Bank 2002 2003”

by Global Finance Magazine

“Euromoney & Asiamoney Awards1994, 1996, 1997”

Entity Ratings

AAShort Term

Long Term A1+

To Be the bank of

first choice in the region

Vision

“To be the Bank of first

choice in the region”

Mission

Mission

Mission

Vision

“To be the leading Private Sector Bank in Pakistan with an international presence, delivering quality service through innovative technology and effective human Resource Management in a modern and progressive organizational culture of meritocracy, Maintaining high ethical and Professional standards, while providing enhanced value to all our

Stakeholders, and contributing to society.”

Corporate Objectives

Sustained growth and profitability

High performance culture

Customer service oriented culture

Motivated employees

To optimize use of technology

Deliver timely solutions

Strategic Planning

Comprehensively plan for future to ensure growth And profitability

Facilitate alignment of vision and mission with goals

Identify opportunities for profit

Create and leverage strategic assets and capabilities For competitive advantage

Management

Board of Directors

Lt.Gen. Javed Zia HI (M)

Lt.Gen. R Imtiaz Hussain HI (M)

Maj.Gen .R Saeed Ahmed Khan

Mr. Zafar Alam Khan

Board of Directors (cont’d)

Mr. Muhammad Riyazul Haque

Mr. Shahid Mahmud

Mr. Ali Noormahomed Rattansey

Dr. bashir Ahmed Khan

Company Secretery Mr. M.A. Ghazali Marghoob

Chief Financial OfficerMr. Saleem Anwar

AuditorsA.F Ferguson & Co

Legal AdvisorRizvi, Isa, Afridi & Angel

Registered Head Office

AWT Plaza, the Mall,P.O Box No 1084Rawalpindi-46000Pakistan

Organogram

Branches

Branches con’d

North Region Central RegionSouth Region Wholesale Branch Bahrain

77 72

76

1

Part II

Company’s Product Line

By

Muhammad Imran Fayyaz

Deposits

Current Account

PLS Saving Account

Askari Special Deposit Account

Askari Roshan Mustaqbil Account

Askari Mahana Bachat Account

Askari Deposit Multiplier Account

Askari Roshan Mustaqbil Account

Term Deposit

5000-50000 Limit

10 Year Tenure

Competitive Profit Rates

Askari Deposit Multiplier Account

Term Deposit

50,000-10,000,000 limit

10 year Tenure

Competitive Profit rate

Askari Mahana Bachat Account

Term Deposit

50000-10,000,000

1-3 Years Tenure

Competitive Profit rate

Advances

Corporate And Investment Banking

Consumer Banking

Agriculture banking

Corporate And Investment Banking

Corporate and Investment banking con’d

Term Finance

Working Capital Financing

Letter of Credit

Fund Transfers

Corporate and Investment banking con’d

Bill Discounting

Loan Syndication

Balance Sheet Reconstruction Service

Debt And Equity Financing Options Through Capital Markets

Consumer Banking Services

Credit Cards

Platinum

Gold

Silver

Zarai & Corporate

Askari’s Personal Finance

Term Finance

Limit up to 500,000

Maximum 5 Years tenor

Monthly Installments

Competitive Markup Rates

Smart Cash

Personal line of credit

Limit up to 500,000 (Clean) Limit up to 1 million (secured)

One Year (renewable tenor)

Monthly Debt Servicing

Competitive Markup Rates

Askari Bank’s Mortgage Finance

Build a Home

Buy a Home

Buy a plot and construct

Renovation

Askari Auto Loans

Limit 100,000-3.0 million

Monthly Installments

Competitive Markup Rates

Minimum income : Salaried 10,000Self Employed 25,000

Up to 7 years Tenor

AskCard (Askari Debit Card)

Free ATM Cash withdrawal limit

No hidden Charges

Free funds Transfer Facility

Free Utility Bills payment

Net Banking (Internet Banking Service)

Balance Enquiry

Funds Transfer

Free Payment of Utility Bills

Payment of School fee

Askari Touch ‘N’ Pay

Ask Card

Askari Bank’s ATMs Nationwide

Internet Banking Service

Call Centre

Rupee Traveler Cheque

Free Issuance

Free Encashment

Nationwide Acceptability

Valid until Encashment

Account Relationship not Mandatory

Agriculture Banking

Askari Kissan Evergreen Finance

Askari Kissan Tractor Finance

Askari Kissan Farm Mechanization Finance

Kissan Aabpashi Finance

Askari Touch ‘N’ Pay

Kissan Live stoke Development Finance

Kissan Farm Transport finance

Islamic Banking Services

Islamic Corporate Banking

Islamic Investment Banking

Islamic Trade Finance

Islamic General Banking

Islamic Consumer Banking

Part III

Bank’s Financial, Swot and Pest Anlysis

By

Muhammad Moazzam

Financial Highlights

187 %Profit after tax up by

Rs 1.108 billion (2008- 306million)

256 %Profit before tax up by

Rs 1.642 billion (2008- Rs 461 million)

Deposits

23 %Increase in Deposits

RS 206 billion (2008: Rs. 12.97 billion)

Advances

6%Increase in Advances

Rs 148 billion (2008:Rs.140 billion)

Assets & Equity

23 %Increased by

Rs. 254 billion (2008:Rs.200 billion)

15 %Increased by

Rs 14.95 billion (2008:Rs.12.97 billion)

Assets

Equity

EPS & Market Value

187%EPS up by

Rs 2.18 (2008Rs.0.76)

87 %Market Value up by

Rs 27.30 (2008:Rs.14.57)

Deposits

39%

18%

9% 19%8%

7%

Corporate sector SME's sector Agriculture sector

Consumer sector Commodity financing Staff loans

Advances By Segments

Deposits

6% 8% 4%

1%3%

13%

11%1%20%1%

16%

16%

Agri Business

Cement and construction

Chemical and Pharmaceutical

Financial Institutions

Food beverages and tobacoo

Fuel, Energy

Individuals

Advances By Sector

SWOT Analysis

Strengths

Competent Management

Dedicated Staff

Financing All Sectors

Customer Satisfaction

Weaknesses

Limited Branches

Poor Marketing Strategy

Lengthy Procedures

Opportunities

Geographical Expansion

Technology Implementation

Mega Project Investment

Agriculture Development

Islamic Banking

Threats

Political Uncertainty

Multinational Competition

Global Economic Crisis

PEST Analysis

Political

Economic

Social

Technological

Suggestions

Follow the Consolidation Strategy

Provide training to employees

Adopt Islamic Banking

Build a Strong Marketing Strategy

Questions