Askari Bank
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Transcript of Askari Bank
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