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1: Muhammad Awais :2082125

2: Nayyar Dilawaiz :2081084

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BANK ALFALAH LIMITED

History

1.Bank Alfalah Limited is a private bank inPakistan owned by the Abu Dhabi Group.

http://en.wikipedia.org/wiki/Pakistanhttp://en.wikipedia.org/w/index.php?title=Abu_Dhabi_Group&action=edit&redlink=1http://www.bankalfalah.com/http://en.wikipedia.org/w/index.php?title=Abu_Dhabi_Group&action=edit&redlink=1http://en.wikipedia.org/wiki/Pakistan

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2.Bank Alfalah Limited was incorporatedin June 21st, 1997 as a public limitedcompany under the CompaniesOrdinance 1984

3.The bank is engaged incommercial banking and relatedservices as defined in the Bankingcompanies ordinance 1962

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ProductsProducts

Car FinancingCar Financing

Rupee Travelers ChequesRupee Travelers Cheques

Online BankingOnline Banking

Credit CardsCredit CardsATMsATMs

Home FinancingHome Financing

Islamic BankingIslamic Banking

Corporate and Structured FinancingCorporate and Structured Financing

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1:Car Financing1:Car Financing

Lowest Mark upLowest Mark up Lower InsuranceLower Insurance

Quick ProcessingQuick Processing

Lower Down PaymentLower Down Payment

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2:Home Financing2:Home Financing

Financing Limit : up to Rs. 10,000,000/-

Tenure : up to 20Years

Equity Participation : 30% Borrower / 70% Bank

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3:Rupee Travelers Cheques3:Rupee Travelers ChequesAccepted at the major shops, travel agents, hotelsAccepted at the major shops, travel agents, hotels

businessbusiness

4:Credits Cards4:Credits Cards1.Everywhere and globally accepted and welcomed at locations1.Everywhere and globally accepted and welcomed at locations

displaying the VISA logo.displaying the VISA logo.

2. Accepted at nearly 30 million merchants and 870,000 ATMs in2. Accepted at nearly 30 million merchants and 870,000 ATMs in

more than 150 countriesmore than 150 countries

5:Debit Cards5:Debit Cards1.Bank Alfalah Limited presents Alfalah HilalCard1.Bank Alfalah Limited presents Alfalah HilalCard

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6:On Line Banking6:On Line Banking

Bank provide fully automated on-line telephone bankingBank provide fully automated on-line telephone bankingfacilities to its customersfacilities to its customers

7:Automated Teller Machine7:Automated Teller Machine

(ATM)(ATM)

The bank offers 24 hours self service bankingThe bank offers 24 hours self service banking

facilities to it customers on country wide basis throughfacilities to it customers on country wide basis throughdeployment of Automated Teller Machine.deployment of Automated Teller Machine.

8:Islamic Banking8:Islamic Banking

a. Alfalah Masharaka Homesa. Alfalah Masharaka Homes

b.b. Murabaha FinanceMurabaha Financec.c. Aflalah Car I arahAflalah Car I arah

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GOALS & OBJECTIVES

1.To create a sound base, and throughefficient systems achieve modern bankingthrough out Pakistan.

2.By the end of every accounting year there is anincrease in deposits. As the deposit rate of during2002 was approx 52 Million and the same hasbeen increased in 2003 by 77 Million.

3.To create unit banking network in all the branchesof Bank Alfalah, the end of the year.

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BOSTON CONSULTING GROUP (BCG) MATRIX FOR THE SBUSRupee Travelers Cheques

MARKET SHARE

GRO

W

T

H

R

A

T

E

HIGH LOW

HIG

H

Car Financing

Home Financing

Online

Banking

Islamic Banking

ATM

Debit Card

LOW Deposits

Investments

Credit Cards

Rupee Travelers Cheques

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Car FinancingCar Financing

HomeHome

FinancingFinancing

OnlineOnline

BankingBanking

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Deposits

InvestmentsCredit Cards

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IslamicBanking

ATM

Debit Card

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Rupee Travelers Cheques

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STRATEGIESSTRATEGIES1.1. operation of Automated Teller Machines in all the majoroperation of Automated Teller Machines in all the major

areas.areas.

2. Building long-lasting relationships through an assertion to2. Building long-lasting relationships through an assertion to

service excellence and providing innovative products.service excellence and providing innovative products.

3. The main focus is building relationships and being3. The main focus is building relationships and being

known by the way they do business.known by the way they do business.

4. Core value and corporate culture is based on the belief that4. Core value and corporate culture is based on the belief thatsuperior personalized service is the most important product.superior personalized service is the most important product.

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ENVIRONMENTAL ANALYSISENVIRONMENTAL ANALYSIS

Micro EnvironmentMicro Environment

Microenvironment is in fact the internal environment,Microenvironment is in fact the internal environment,

an effect on the functions of the bank. Microan effect on the functions of the bank. Micro

environment of Bank of Alflah consists of:environment of Bank of Alflah consists of:

1:Deposits1:Deposits

2:Advances2:Advances

3:Competitors3:Competitors

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STRENGTHSSTRENGTHSBank Alfalah has been awardedBank Alfalah has been awarded

an AA- (double A minus) and anan AA- (double A minus) and an

A1+ (A one plus) in the long andA1+ (A one plus) in the long and

short termshort term

S W O T A N A L Y S I S

WEAKNESSESWEAKNESSES

Advertising and publicity is notAdvertising and publicity is not

extensively emphasized.extensively emphasized.

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OPPORTUNITIES

Launching of another SBU,Alwarid Mobile and Islamicbankingwill be an excellent addition towards thecredibility as well as enhancement of Bank Alfalfa'smarket share.

THREATSTHREATSStrong footing and maintain a good number of loyalStrong footing and maintain a good number of loyal

customer,customer, , still bank has threats in various sectors:, still bank has threats in various sectors:

1:In1:In Car FinancingCar Financing MCB & UBL are threats however, the expected cMCB & UBL are threats however, the expected c

financing of ABN Ambro could also be a threat for Bank Alfalah.financing of ABN Ambro could also be a threat for Bank Alfalah.

2:In2:In Home FinancingHome Financing Union Bank or to some extent NBPUnion Bank or to some extent NBP

are threats.are threats.

3:the launch of Askari Bank Master Card and Union3:the launch of Askari Bank Master Card and Union

Bank Card might be threat after some time.Bank Card might be threat after some time.

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Macro EnvironmentMacro Environment

Demographic SectorDemographic Sector

Economic SectorEconomic Sector

Technological SectorTechnological Sector

Social SectorSocial Sector

Political SectorPolitical Sector

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V I S I O NV I S I O N

To be the premier organizationsTo be the premier organizations

operating locally and internationally thatoperating locally and internationally that

provided the complete range of financialprovided the complete range of financial

services to all segments under one roofservices to all segments under one roof

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MISSIONMISSION

To develop and deliver the mostTo develop and deliver the most

innovative products, manage customersinnovative products, manage customersexperience, deliver quality service thatexperience, deliver quality service that

contributes to brand strength, establishescontributes to brand strength, establishes

a competitive advantage and enhancesa competitive advantage and enhances

profitability, thus providing value to theprofitability, thus providing value to thestakeholders of the bankstakeholders of the bank

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That is the end of theThat is the end of the

presentation.presentation.

ThanksThanks