Meezan vs Bank Islamic

7/26/2019 Meezan vs Bank Islamic

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GroupMembers:

Zartasha shaukat

(m12bba057)

Shafaq Shahid(m12bba023

Sumaiya Mir

(m12bba021)

Maryam Arshad

(m12bba005)

Isma Nizam

(m12bba013)


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Meezan Bank Ltd

VSBank Islami Ltd


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IntroductionZartashaShaukat

M12bba057


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Introduction

Meezan Bank Ltd Bank Islami Ltd

Meezan Bank Limited,a publicly listedcompany, wasincorporated on January

2, !"" and startedoperations as anin#estment bank in$u%ust t&at year

'akistan issued ,rst-$$r .i/$'s$ frIs.ami/ /mm$r/ia.ba'ki' i' 2002It &as 550 branchesin o#er 10 /iti$s

-rst Islamic.ommercial Bank to

recei#e t&e Islamic

bankin% license undert&e Islamic bankin%policy o) 2//0 in year2//1its branc& network

consists o) 213bra'/h$s& subbranches spread over!0 /it$s f *akista'

it& t&eamal amation o) 3$SB


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Introduction

Meezan Bank Ltd Bank Islami Ltd

It is lar%ests&aria& compliantasset mana%ementcompany$l meezan isre%istered as a nonbankin% -nance

company6&e Bank &as amarket s&are o)35% in Islamic

banking industry o)t&e country

BankIslami is nowt&e 11th .ar$stba'ki' '$t 6rkin t&e country wit&317 bra'/h$s i' 3/iti$s 'ati'6id$Bank o7ers s&aria&

compliant retailbankin%, in#estmentbankin%, consumerbankin% and trade

-nance products.redit ratin% o)


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8eposits 'roducts9$ccountsan%e o) Meezan Bank Ltd

Shafaq ShahidM12bba023


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6ypes o) $ccounts

L.

;Current AccountsSaving AccountsFixed Deposits Account

"ta.a//u't 1


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Current Account

!ollo"ing #eatures arecommon in all current

accounts$pened b anone'inimum opening Balance$

(000)s!ree *he+ue books, -arders, nline Banking

.nlimited number o#transactions


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Saving Accounts

)iba!ree Saving Accounts1eposit in these savingaccounts gives an attractive

rate o# return-ro2t is calculated on 1ail-roduct Basis

-ro2t is paid on monthlbasis/ormall Bank shares 5%o# 4ross Income as 'udarib

1epositor shares 55% o#


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Saving AccountsLCY


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Mudaraba& Based $ccounts

Mudaraba=based accounts allowsyou to conduct your bankin%

transactions w&ile a#ailin% a wideran%e o) )ree ser#ices and t&ere)orepro#ides you t&e ideal blend o)

con#enience > ?e@ibility t&at youdeser#e in Islamic bankin%*ormally Bank s&ares 41A o) GrossIncome as Mudarib8e ositor s&ares 11A o) Gross


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LCYMeezan Business PlusMeezan Kids Club AccountMeezan Teens Club AccountAsaanKarobari


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'eean Term *erti2cates

Meezan Bank o7ers a ran%e o) iba=


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1ollar'udarabah*erti2cate

Mont&ly Mudaraba.erti-cate

ShortTerm 6*7

hort

Term

LCY

Long

Term

LCY

'eean Amdan*erti2cate

*erti2cate o#Islamic

Investment

*erti2cate o#Islamic

Investment -lus


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8eposits 'roducts9$ccountsan%e o) Bank Islami Ltd

Sumaiya MirM12bba021


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Ba'k Is.ami/ 8rid$ada'/$s fa/i.ity bth

i' ./a. /urr$'/y 9fr$i' /urr$'/y

)etail 'ode o#services


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Islamic Current Account

minimum balance o) s !,///9=only to open

Joint $ccount )acility up to )ourCoint account &olders$ccess to t&e entire onlinebranc& network 2/! Branc&es in

D/ .ities


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Local .urrency Sa#in% $ccounts

Islami BachatAccount is ideal )or

customers w&o need todraw money )or mont&ly

e@penses but would alsolike to earn on your &ard

earned sa#in%s $ minimumbalance o) s (008only to

open t&e account

Islami mahanamuna#a account%i#es you t&e )reedom o)

&alal mont&ly %ains

Minimum amount o)in#estment is s !/,///9=

only6enure o) in#estment are !,

2, 0 , 1 > !/ years

100% interest free

Available in Pak Rupees

Profit/loss payment on monthly basis until the maturity

date


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6*7 Term1eposits

Islami Amadni*erti2cate

Its )or t&e salariedindi#idual, a

businessperson or acorporate entity wit& some

lon% term in#estment)unds to spare

$#ailable in 'ak upees In#estment can be done

)or !, 0, F, !2, 24, 0F orF/ mont&s

Minimum amount o)in#estment is s


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'odarba Based 6ocal*urrenc Accounts

Islami Asaan Account *o minimum balance on operatin% t&e account .an be a sin%le and a Coint account 'ro-t on mont&ly basis 6otal .redit Balance Limit: s 1//,///9=

Islami Shaulat Account


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!*7Accounts

Islami !oreign *urrenc*urrent Account$#ailable in HS8, GB' > HE$ minimum balance o) HS8 !//9=or eui#alent in GB' or HE toopen t&e accountJoint $ccount )acility up to )ourCoint account &olders

Islami 1ollar Bachat account

Mont&ly pro-t9loss payment on dailyproduct basis$ minimum balance o) HS8 !//9= in cas&or t&rou%& HS8 clearin% c&eue*o akat or it&&oldin% ta@Joint $ccount )acility up to )our Cointaccount &olders


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'aram

Arshad

'(:BBA005

i'a'/ia.

Sta'di'


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Total assets

$ssets o) 'eean

bank &a#e increasedin 2/!1 as compared

to year 2/!4 (s37

bi..i' i' 2015 t

:s531 bi..i' i'2015+ It &as %ain

%rowt& o) 2151;

6otal assets o) Bank

Islamic in 2/!1 &a#einclination trend o)

s1!0 bi..i'as

compared to :s101

bi..i'in 2/!4 6&e%rowt& rate o) assets

is7!2; w&ic& is e@tra

ordinary %ood


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'eean Bank 6td Bank Islamic 6td

8eposits in year 2/!1

&as been increased ascompared to 2/!4 and

reac&ed till :s 72

bi..i' frm :s 3!0

bi..i' 6&e %rowt&rate o) deposit is

22;

6otal deposits in 2/!1

are o) :s15 bi..i'w&ic& comprises :s

11 bi..i'o) Islamic

Bankin% and :s30

bi..i')romcon#entional bankin%

6&e %rowt& rate o)

deposit in 2/!1 as

compared to 2/!4 is

1eposit trends


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Investment port folio

'eean Bank 6td Bank Islamic 6td

In#estment &as been a

declinin% trend in2/!1 as compared to

year 2/!4 wit&

3333; d$/.i'$

Kowe#er in 2/!1,in#estment5s market

#alue &as diminis&ed

more t&an in 2/!4

(frm :s32 mi..i'

6otal in#estment

port)olio in 2/!1 isabout :s2 bi..i'

w&ic& comprises

:s3 bi..i')rom

Islamic in#estmentand :s2< bi..i'

)rom con#entional

in#estment o) 3S$B

6&e %rowt& rate in


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Net Islamic Financing and other related assets

$d#ances port)olio &as

also been increased

by1!2!; in year 2/!1

6&e total port)olio o)

ad#ances in total assets is

;3


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/et pro2t a#ter ta= 'ro-t in year 2/!1 &as

increased !;as

compared to 2/!4arnin%s per s&are ratio

also &as an increasin%

trend in 2/!1 (501+ as

compared to 2/!4(5


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Investment

Portfolio

&

Conclusive

Remarks

IS'A /I>A'

'(:BBA0(3


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Global

Sukuk

Bonds

shares oListed !unlisted

companies G"#$I%arah

SukukBond

Sukuk

Certigicate

s

&s'() bn

&s' * bn

Forex

Market

Bondmarket

&s'+',-. bn

StockMarket

subsidiaries

/associates

Meezan Bank In#estments by se%ment

Total

investments

Rs. 76 bn

open ended

mutual

unds

&s' )'*0 million

Mtal!nds


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Go$i%arah

Sukuk

Bonds

shares oListed !unlisted

companies

Listed./unliste

d sukuk

certificats

&s' +1'0 bn

Bond

Market

&s')2) million

Stock

Market

Bank Islami ltd In#estments by se%ment

Total net

investments

Rs. "# bn

Close3open

ended mutual

unds

&s' (.('-)0 million

Mtal!nds

Islamic?3@ bnconventional

?:@


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Conclusive

Remarks


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Products Range

Meezan bank5s products aremore #ersatile t&an BankIslami > Meezan banks rate

on return usually pays&i%&er t&an Bank Islamie can say Meezan bank

is more customer )ocus and

oriented


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Expansion in business

Business #olume o) Meezan bank is more

t&an Bank Islamic Kowe#er t&e %rowt&

rate in Business e@pansion in Meezan bank

is more t&an Islamic Bank $s deposit o)

Meezan bank &a#e increased by 24A wit&

increase o) ad#ances !D2DA &ile

deposit %rowt& rate o) bank Islamic is F!A

wit& %rowt& o) ad#ances o) 0"/2A t&e

%ap is more in Bank Islamic t&an Meezan

/A

2/A4/AF/AD/A

24//A!D2DA

F!//A

0"/2A

deposits ad#ances

as compare o m on n


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Investment managementas compare o m on n

2/!4 w&ile earnin% o) bankIslami5s earnin% )rom in#estmentis s"# millionas compared to

loss o$ %s &millionin 2/!4Moreo#er, Bank Islami5sdiminishing valuein in#estmentin 2/!1 is s4F million ascompared to s0" million in

2/!4(175; i'/r$as$d+ andmeezan bank5s in#estmentdiminis&in% #alue in 2/!1 iss441 million as compared to

s024 million in 2/!4(373;i'/r$as$d+we can conclude t'at t'eselection o$ investment c'oice o$Bank Islami is better t'an meezanBank

Fi i biliMeezan bank5s assets %rowt& is


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Financing management abilityee a ba s asse s % o s

:(;%w&ile islami bank5sassets %rowt& is ;:%;Moreo#er, deposits trends in bot&

banks &a#e also increased InMeezan bank deposits %rowt&rate is :;:%in comparison o)w&ic& ad#ances increase by(;:%;in bank Islamic deposits%rowt& rate is


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Productive AdvancingMeezan bank *onper)ormin% loans &a#eincreased by 1


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6&e %rowt& rate o) pro2t

margin is @;%; &ile pro-tmar%in o) bank Islamic &asdecreased b 53% in 2/!1t&an in year 2/!4 Kowe#er,admine@penses increased in

Meezan bank by 30A and inIslamic bank admin e@penses &asincreased by ;


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Meezan bank smanagement ismore efcient in

'andling businessmatter t'an Bank

Islami.


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Meezan vs Bank Islamic

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