You are on page 1of 42

The will to go beyond

Faysal Bank Ltd


Sir Riaz Ahmed Mian Muhammad Yaseen Butt Bilal Ahmad Muhammad Zaid

Faysal bank is a subsidiary to ITHMAAR BANK whose ultimate company is DMI group.

Faysal Bank started operations in Pakistan in 1987, first as a br set-up of Faysal Islamic Bank of Bahrain.

In 1994,it was Incorporated as Pakistani bank under the presen Of FAYSAL BANK LIMITED(FBL).

VISION :Excellence in all that we do

MISSION :Achieve leadership in providing financial services in chosen markets through innovation

CORE VALUES

INTEGRITY
OUR INTEGRITY:OUR VALUE

RESPECT
OUR RESPECT: OUR DUTY

TEAMWORK
OUR TEAMWORK:OUR ASSET

PROFESSIONALISM
OUR PROFESSIONALISM:OUR ASSET

Passion
Our Passion: Our Worth

Innovation
Our Innovation: Our Strength

Responsiveness
Our Responsiveness: Our Distinction

Compassion
Our Compassion: Our Gift

Acquisition of RBS Corporate & Investment Banking Corporate Social Responsibility Solitaire Wealth Management Islamic Banking Alternate Delivery Channels Launch of the Intranet Portal Commitment to Domestic Cricket

One of the top 25 performing companies


3rd prize for The Best Cooperate Report in 2003

Awarded Certificate of Excellence in

Commercial Banking in 2006.

PRODUCTS

Deposit Products:

Basic Banking Account Faysal Sahulat - Current Account Faysal Business First - Current Account Faysal Moavin - Savings Account Faysal Izafa - Term Deposit Faysal Market Link - Savings Account Faysal Premium - Savings Account Faysal Savings Account Foreign Currency Account
a- Faysal FCY Savings Plus b- Mahfooz Sarmaya

Lending products
Faysal Bank Platinum Credit Card Faysal Bank mc2 Credit Card Faysal Bank Airblue Credit Card Faysal Bank Ufone Credit Card Faysal Balance Transfer Facility Faysal Khushaal Kisan Scheme Faysal Car Finance Faysal Home Finance

services

Faysal bank offers different types of services to their consumers.They are:


Retail banking service Corporate banking service Investment banking service

Retail Banking Services


Faysal Pocketmate Faysal Lockers Sms Alert Service Western Union Transfer of Funds Internet Banking Non-Stop Banking

Corporate Banking Services


Corporate Financing SME Financing Trade Financing Treasury & Capital Markets Investment Banking Cash Management Financial Institutions

INVESTMENT BANKING

Project and structured finance Agency and trustee Debt capital markets Treasury and capital market

s
Islamic Banking

Barkat Islamic - Basic Banking Account Barkat Islamic - Current Account Barkat Islamic - Saving Account Barkat Islamic - Investment Certificate Barkat Islamic - Foreign Currency Account Barkat Islamic - Murabaha

BANCASSURANCE

Family Assurance Plan Education plan

Saving Plan

FINANCIAL ANALYSIS

Balance Sheet

Income Statement

Analysis

SWOT Analysis
Strengths,Weakness,Opportunities,Threats

Strong social links. Financially strong holding company i.e. (Ithmar bank which is owned by DMI group) .10th largest bank in Pakistan based on asset size. Faysal bank has a Short term credit rating of A1+ and long term credit rating of AA. Uses real time as well as online system.

Less number of branches as compare to its competitors.

Low number of ATMs.


The procedure and documentation for loaning is very difficult. Cultural clashes after its acquisition of RBS.

Can issue loan showing some attractive loan policies.

Increase the capacity of branch instead of going towards overstaffing.


Provide online facility to every customer. Can introduce new products and services

Declining trend in banking sectors. Decrease in customers due to less attractive policies. Moving of key employees. Introduction of new products and services by competitor

PEST Analysis

Political

Economical

Social

Technological

Poor government policies. Americas undue influence on PAKISTAN. Increase terrorist activities.

Political instability

Increase interest rates. Increase in inflation. Poor monetary policies. IMFs influence.

Decrease in saving trends.

Frauds by customers Declining work ethics.

Religious beliefs.

Halted Growth of Communication Infrastructure

Inadequate computer facilities. Inadequate IT training.

All departments should be facilitated equally ATM in every Branch Few Branches to be Open on Saturday and Sundays Delivery of Cheque Book on door step. Remote ATM (Petrol Pump, Motorway, Parks etc). Priority Given to Loyal Customers.

The salaries of employees are very attractive as compare to other Banks. The deposits of Bank are going to increase very sharply in 2011, but there long term debt paying ability is not good. At present there is no such organization in the world that is free from market challenges. The management of FBL is taking strategies steps to enable the bank to emerge as a strong and progressive institution.