ACKNOWLEDGEMENT

We are very thankful to our

Professor Mr. Riaz Ahmed Mian
who guides us and gave us this
professional
project
through
which we can understand the
products, services and the
mission
of
a
professional
organization.

Our Group

Manazir Ali Ranjha M10MBA075

Rashid Ali

M10MBA052

Junaid Ali Suleri

M10MBA006

MR. MANAZAR ALI RANJHA

M10MBA039

BANK
ANY INSTITUTION WHICH ACCEPTS
DEPOSITS AND ADVANCING LOANS.

HISTORY
Bank Alfalah Limited was launched on June 21
, 1997 as a public limited company under the
Companies Ordinance 1984. The bank
commenced its operations on November 1,
1997.
The
bank
introduced
commercial banking and related services as
defined in the Banking companies ordinance,
1962.
After a few years, the bank introduced its new
identity of H.C.I.B after the privatization in
1997. The management of the bank had
implemented strategies and policies so the
bank would become a major player in the
market. With a partnership with the Abu
Dhabi Group the position of the bank became

CHAIRMANS MESSAGE

Our core philosophy of honesty,

transparency in customer dealings,
product innovation, excellence in
customer service and our
commitment to being a responsible
corporate citizen pervades this
website.

VISION
To be the premier organizations operating
locally and internationally that provided the
complete range of financial services to all
segments under one roof.

MISSION
To develop and deliver the most
innovative products, manage customer
experience, deliver quality service that
contributes to brand strength, establishes
a competitive advantage and enhances
profitability thus providing value to the
stakeholders of the bank.

BOARD OF DIRECTORS

SHIEKH HAMDAN BIN

MUBARAK ALNEHAN
CHAIRMAN

MR. SIRAJUDDIN
AZIZ
CHIEF
EXECUTIVE
OFFICER

MR.ABDULLAH
NASIR
DIRECTOR

SHARE CAPITAL OF THE

BANK
Authorized Capital
2300,000,000
Ordinary shares of Rs. 10 each

SHARE CAPITAL OF THE

BANK
Issued, Subscribed, Paid-upcapital
1,349,156,250
Ordinary shares of Rs. 10
each

TRANSFERED TO MR.
RASHID ALI
M10MBA0052

PRODUCTS

Alfalah Kafayat
Alfalah Mahana Amdan
Alfalah Mahana Amdan Plus
Alfalah Education
Car Financing
Home Financing

PRODCUTS

Debit Cards
Credit Cards
Online Banking
ATMs
Rupee Travelers Cheques
Islamic Banking
Corporate and Structured Financing

ALFALAH KAFAYAT
Bank Alfalah offered Alfalah Kafayat which fulfill
your desire in life and it is characterized in terms
of:
7 percent profit
payment of profit in three month
Min Balance 10,000 Max 1,000,000
Complementary warid mobile connection

ALFALAH MAHANA AMDAN

10 percent profit
This facility avail only more than 18 year age
This facility is offered only to individual and joint customer
Necessary to open Account
Min bal 100,000 Max 15,000,000
profit credited in your account after deduction of tax
Insurance remain between 18 to 60 age

ALFALAH MAHANA AMDAN

PLUS
13.5 Percent p.a profit
This facility is offered only to individual and joint customer
Min bal 50,000 with no Maximum
Insurance remain between 18 to 60 age

ALFALAH EDUCATION
In Alfalah Education children of individual and
joint customer avail the facility of total free
education coverage:
7 Percent Profit
Min bal 1,00,000 to Max 3,00,000
profit credited in your account after deduction of tax
Age of children remain within the bracket of
5 year to 20 year

CAR FINANCING
Car financing is one of the major renowned
product of Bank Alfalah and can be utilized
in terms of financing of used vehicles, Loan
against cars, Balance transfer facility,
Refinancing facility only for BAL customers)
and it is characterized in terms of:
Lowest Markup
Lower Insurance
Quick processing
Lower Down payment

HOME FINANCING
Major features of Bank Alfalh Home Financing
are Lowest Mark-up, Quick Processing,
Multiple Repayment Options and Free
Valuation. It has been bifurcated in terms of
Home Buyer, Home Construct, Home
Improver, Home Balance Transfer Facility.
Financing Limit
: up to Rs. 10,00,000
Tenure
: up to 20 years
Equity participation: up to 30% Borrower
70% Bank

DEBIT CARDS
Bank Alfalah Limited presents Alfalah
HilalCard, the first Visa Electron
International Debit Card which gives an
unlimited access to current / savings
account with a simple swipe, at
millions of retail shops and ATMs,
worldwide. The Alfalah Hilal Card
comes with a host of conveniences and
benefits combined with the wide reach
of Visa Network enabling it to be
accepted at more than 840,000 ATMs
and 13 million retail outlets around the
world, making it the most acceptable
Debit Card available in Pakistan.

CREDIT CARDS
Bank Alfalah credit and VISA cards is
everywhere and globally accepted
and welcomed at locations displaying
VISA logo. It is accepted at nearly 30
million merchants and 870,000 ATMs
in more than 150 countries around
the
globe
and
over
10,000
establishments in Pakistan. Bank
Alfalah Credit and VISA cards pays
for shopping, travel, entertainment,
meals and much more.

ONLINE BANKING
To provide enhanced and value added
products to customers bank is constantly
striving for additional facilities. Bank provide
fully automated online telephone banking
facilities to its customers enabling them to
carry out the banking transactions
like balance inquiries, statement
requests, product information and
exchange rates.

AUTOMATED TELLER
MACHINES(ATMs)
The bank offers 24 hours self service
banking facilities to its customers country
wide basis through deployment of ATM.
This system allows the banking facilities
such as withdrawls, cash deposits, funds
transfer, balance inquiries and account
statements. Electronic cash dispensing
facilities are available in major cities of
Pakistan through a state of the art satellite
communication system which provide 24
hours banking services.

RUPEE TRAVELERS CHEQUES

Rupee Travelers Cheques are as good as
cash and are accepted at the major shops,
travel agents, hotel business establishments
and all over the world. This service is being
offered to facilitate instant fund availability to
travelers and business people who used to
carry a huge amount with them.

ISLAMIC BANKING
A separate division is recently initiated, which
operates as separate branch. It offers Shariah
Compliant products through a network of more than
50 branches. Islamic Banking has launched following
products with the perception that these are in the
accordance with the Shariah principles.
Alfalah Musharka Homes
Mudarba Finance
Alfalah Car Ijrah

CORPORATE AND
STRUCTURED FINANCING
The portfolio concentrates on all aspects of conventional
banking as well as the financial needs of corporate sector
including dynamic and high value products.
Loaning against securities
Letter of Credit
Letter of Guarantee
Demand Finance
Cash Finance

TRANSFERRED TO MR.
JUNAID ALI SULERI
M10MNA006

SWOT
Strengths
Weaknesses
Opportunities
Threats

STRENGTHS
A supporting hand of Abu Dhabi group
Rating declared by PACRA AA for long
term
A1+ for short term
User friendly internet services
High confidence of Customers

WEAKNESSES
Lack of Branches in underdeveloped Areas
Not pure Islamic Banking
No incentives for agricultural sector

OPPORTUNITIES
By expanding their network Bank Alfalah can capture the
corporate customers.
It can enhance its market share by introducing new
offers like car financing and short and long terms loans
for agricultural sector.

THREATS
In Car Financing MCB & UBL are threats
however, the expected car financing of ABN
Ambro could also be a threat for Bank Alfalah.
In Home Financing Union Bank or to some
extent NBP are threats.
The launch of Askari Bank Master Card and
Union Bank Card might be threat for Bank
Alfalah Limited.

Credit Rating
Short term
Long term
T.F.C issues

A1+
AA
AA-

 Lack of proper security measures

in Pakistan
Stiff competition
IT Development
Economic uncertainty in global
market
Inflation

 Lack of confidence on political

system
Bad policies of govt.
Increase tax rate

 World wide recession

Uneven distribution of wealth
Inflation
Exchange rate
Unemployment
Growth rate

Population trend

Culture

Religious factor

Joint family system

Low standard of living

Costless value of life

Literacy level

No concept about insurance

 Complications in policies
Online service
Using new software's

FINANCIAL ANALYSIS
Financial analysis of:
2008 Annual Report
With
2009 Annual Report

Assets
Cash & balance with treasury
banks
Balance with other bank
Lending to financial institutions
Investments (a)
Advances
Operating fixed assets
Deferred tax assets
Other assets
Total assets

31
December

31
December

2009

2008

Rupees 000

Rupees 000

35,056,025 32,687,342
22,722.927 21,584,602
14,947,435
3,315,500
14,714,496 76,017,285
188,021,49
2
14,552,454 349,278,92
5
99,279, 438 13,846,774

389,294,26
7

10,255,086

Liabilities

31
December
2009

31 December
2008
Rupees 000

Rupees 000

Bills payable
Borrowings
Deposits & other accounts
Sub-ordinate loans
Liabilities against assets
subject to finance lease
Deferred tax liabilities
Other liabilities
Total liabilities
Net assets

3,766,144
20,635,92
1
324,743,3
89
7,570,181
12,358
774,246
10,091,88
3

3,452,031
14,071,247
300,729,764
2,571,769
17,459
208,281
11,345,489
332,394,440
16,883,845

It is backed by powerful international investors

Employees are the most important assets of any

organization.

With their focused strategy and product development

initiatives planned for the year, Bank Alfalah is strongly
positioned to meet these challenges.

Bank Alfalah has to maintain its position through product

innovativeness, customer care and advertising and
promotion.

QUESTION
ANSWER
SESSION

Thank
you