The document defines different types of liabilities including borrowings, deposits and other accounts, subordinated loans, liabilities against assets subjected to finance lease, deferred tax liabilities, and other liabilities. It provides details on features and benefits of various bank accounts in Pakistan including current accounts, saving accounts, and fixed deposit accounts from banks like Citibank, Standard Chartered, UBL, and HBL.

2. LIABILITIES Presented By: Shaikh Faizan Ahmed REG #: 2820

15. Saving Account Features & Benefits HBL Greater than Rs. 20,000 earns 1% profit • Less than Rs. 20,000 earns 0.10% profit • Minimum average balance of Rs. 10,000 • Profit paid bi-annually • PLS – Savings Account HBL Value Account Flexibility of withdrawals • Deposit ranges from Rs. 10,000 to Rs. 100,000 • Profit credited every 3 months • 7% profit per annum • HBL Super Value Account Flexibility of withdrawals • Deposit ranges from Rs. 100,000 to Rs. 500,00 • Profit credited every 3 months • 7.25% profit per annum • Remittance Munafa Plus Saving Account Rs. 1 million and above earns 5% profit • Less than Rs. 20,000 earns 0.10% profit • Minimum average balance of Rs. 10,000 • Monthly profit • Tiered • Daily Basis Product • Remittance Based (no credit allowed except remittance) • PLS - Special Saving Bank Deposit Scheme Returns up to 8% • Minimum balance of Rs. 20,000 • Monthly profit • Tiered • Daily Basis Product • PLS - Daily Munafa Plus Deposit Account Returns up to 8% • Minimum balance of Rs. 50,000 • Monthly profit • Tiered • Daily Basis Product •