Description
PRESENTATION ON ASKARI BANK
Presented By:
Muhammad Imran Fayyaz Muhamad Moazzam M. Junaid Ahmed
001 003 079
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 Awards 1994, 1996, 1997”
Entity Ratings
Short Term
Long Term
Vision
To Be the bank of first choice in the region
“To be the Bank of first choice in the region”
Mission
“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.”
Vision
Mission Mission
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 Officer
Mr. Saleem Anwar
Auditors
A.F Ferguson & Co
Legal Advisor
Rizvi, Isa, Afridi & Angel
Registered Head Office
AWT Plaza, the Mall, P.O Box No 1084 Rawalpindi-46000 Pakistan
Organogram
Branches
Branches con’d
North Region South Region
Central Region Wholesale Branch Bahrain
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 10,000 Self 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
Profit after tax up by Rs 1.108 billion (2008- 306million)
Profit before tax up by Rs 1.642 billion (2008- Rs 461 million)
Deposits
Increase in Deposits
RS 206 billion (2008: Rs. 12.97 billion)
Advances
Increase in Advances
Rs 148 billion (2008:Rs.140 billion)
Assets & Equity
Assets
Increased by
Rs. 254 billion Equity (2008:Rs.200 billion)
Increased by Rs 14.95 billion (2008:Rs.12.97 billion)
EPS & Market Value
EPS up by Rs 2.18 (2008Rs.0.76)
Market Value up by
Rs 27.30 (2008:Rs.14.57)
Deposits
Corporate sector
Consumer sector
Advances By Segments
SME's sector
Agriculture sector
Commodity financing Staff loans
9%
18%
19%
8%
7% 39%
Deposits Advances By Sector
Agri Business Cement and construction Chemical and Pharmaceutical Financial Institutions Food beverages and tobacoo Fuel, Energy Individuals 4% 1% 13% 3%
16%
6%
8%
16%
1%
20%
1%
11%
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 Social
Economic
Technological
Suggestions
Follow the Consolidation Strategy Provide training to employees
Adopt Islamic Banking
Build a Strong Marketing Strategy
Questions
doc_669386411.pptx
PRESENTATION ON ASKARI BANK
Presented By:
Muhammad Imran Fayyaz Muhamad Moazzam M. Junaid Ahmed
001 003 079
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 Awards 1994, 1996, 1997”
Entity Ratings
Short Term
Long Term
Vision
To Be the bank of first choice in the region
“To be the Bank of first choice in the region”
Mission
“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.”
Vision
Mission Mission
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 Officer
Mr. Saleem Anwar
Auditors
A.F Ferguson & Co
Legal Advisor
Rizvi, Isa, Afridi & Angel
Registered Head Office
AWT Plaza, the Mall, P.O Box No 1084 Rawalpindi-46000 Pakistan
Organogram
Branches
Branches con’d
North Region South Region
Central Region Wholesale Branch Bahrain
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 10,000 Self 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
Profit after tax up by Rs 1.108 billion (2008- 306million)
Profit before tax up by Rs 1.642 billion (2008- Rs 461 million)
Deposits
Increase in Deposits
RS 206 billion (2008: Rs. 12.97 billion)
Advances
Increase in Advances
Rs 148 billion (2008:Rs.140 billion)
Assets & Equity
Assets
Increased by
Rs. 254 billion Equity (2008:Rs.200 billion)
Increased by Rs 14.95 billion (2008:Rs.12.97 billion)
EPS & Market Value
EPS up by Rs 2.18 (2008Rs.0.76)
Market Value up by
Rs 27.30 (2008:Rs.14.57)
Deposits
Corporate sector
Consumer sector
Advances By Segments
SME's sector
Agriculture sector
Commodity financing Staff loans
9%
18%
19%
8%
7% 39%
Deposits Advances By Sector
Agri Business Cement and construction Chemical and Pharmaceutical Financial Institutions Food beverages and tobacoo Fuel, Energy Individuals 4% 1% 13% 3%
16%
6%
8%
16%
1%
20%
1%
11%
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 Social
Economic
Technological
Suggestions
Follow the Consolidation Strategy Provide training to employees
Adopt Islamic Banking
Build a Strong Marketing Strategy
Questions
doc_669386411.pptx