this Presentation is only for knowledge base for students

2. Group Members
Name Roll No #
Hafiz Ghulam Dastgir EI17MBA076
Muhammad Arshad
Bashir
EI17MBA087
Shahid Mahmood EI17MBA086

3. H A F I Z G H U L A M D A S T G I R
E I 1 7 M B A 0 7 6

4. Presentation on
We Know the Secret of Success...!

5. Soneri Bank was incorporated on September 28, 1991 and is listed on all the Stock
Exchanges of Pakistan. The controlling stake in the Bank is held by the Feerasta
Family.
The Bank commenced operations from its
first branch in Lahore on April 16, 1992.
Soneri is a fully accredited scheduled
commercial bank providing a wide spectrum
of retail and corporate banking services
through its wide network of online branches
in all major cities including Northern Areas of
Pakistan.
BANK INTRODUCTION & HISTORY:

6.  The bank is providing its network facilities in urban ,as well as in
RURAL areas, with a strong occurrence across the country.
 The bank has introduced lingering network of 288 branches
Including 16 Islamic banking branches and have almost 300+
ATMs across the country.

7. TYPES OF BANKS
Broadly speaking bank can be classified into commercial
banks and central bank.
• The Central Bank has the function of controlling
commercial banks and various other economics activities.
• Commercial Banks are those which provide bank services
for profit.
• There are many types of commercial banks such as deposit
banks, savings banks , industrial banks, agricultural banks,
exchange banks and miscellaneous banks.

8. ROSHAN HER QADAM

9. CORPORATE INFO.
CHAIRMAN
MR. ALAUDDIN FEERASTA
CHIEF EXECUTIVE OFFICER
MR. MOHAMMAD AFTAB MANZOOR
DIRECTORS
MR. NOORUDDIN FEERASTA
MR. AMIN A. FEERASTA (EXECUTIVE DIRECTOR)
MR. MUHAMMAD RASHID ZAHIR
MR. MANZOOR AHMED (NIT NOMINEE)
MR. INAM ELAHI
MR. JAMIL HASSAN HAMDANI
MR. JAMIL HASSAN HAMDANI
CHIEF FINANCIAL OFFICER
MR. MIRZA ZAFAR BAIG*
COMPANY SECRETARY
MR. MUHAMMAD ALTAF BUTT
AUDITORS
A.F. FERGUSON & CO.
CHARTERED ACCOUNTANTS
SHARI’AH BOARD
MUFTI EHSAN WAQUAR AHMAD (CHAIRMAN)
MUFTI MUHAMMAD ZAHID (RESIDENT MEMBER)
MUFTI BILAL AHMED QAZI (MEMBER)
*Assumed charge effective 01 January 2018
LEGAL ADVISORS
MANAN ASSOCIATES, ADVOCATES
REGISTERED OFFICE
RUPALI HOUSE 241-242,
UPPER MALL SCHEME,
ANAND ROAD, LAHORE - 54000
CENTRAL OFFICE
10TH FLOOR, PNSC BUILDING,
M.T. KHAN ROAD, KARACHI-74000
REGISTRAR AND SHARE TRANSFER AGENT
THK ASSOCIATES (PRIVATE) LTD.,
1ST FLOOR, 40-C,
BLOCK-6, P.E.C.H.S. KARACHI - 75400
UAN: (021) 111-000-322
FAX: (021) 341 68271

10. CENTRAL OFFICE
M. T. Khan Road Karachi Pakistan

11. CORE VALUES
We are customer centric
We have high moral standards
We take ownership
We are proactive
We collaborate
Our business is conducted with a
GOLDEN TOUCH
of excellence and highest
echelons of integrity
and transparency
CORE VALUES

12. VISION

13. MISSION

14. BOARD OF
DIRECTORS
Nooruddin Feerasta
Director
Alauddin Feerasta
Chairman
Mohammad Aftab
Manzoor
President & Chief
Executive Officer
Amin A.
Feerasta
Executive
Director
Muhammad
Rashid Zahir
Director
Manzoor
Ahmed
Director
Inam Elahi
Director
Jamil Hassan
Hamdan
Director
i

15. SENIOR
MANAGEMENT
Mubarik Ali
Country Credit
Head
Amin A.
Feerasta
Executive
Director
Mohammad Aftab
Manzoor
President & Chief
Executive
Officer
Mirza Zafar
Baig
Chief Financial
Officer
Shahid
Abdullah
Head of
Treasury,
Capital Markets,
FI & PRI
Ahmed Saqib
Asad
Chief Information
Officer
Iqbal
Zaidi
Head of
Compliance
&
Control
Ali Hassan
Shah
Head of
Operations
Anita
Lalani
Head of
Human
Resourc
es
Muhammad
Qaisar
Head of
Commercial &
Retail
Banking
Masood
Tyabji
Head of
Corporate &
Investment
Banking
Syed
Asim Ali
Head of
Audit

16. Soneri Bank Limited
Shari’ah Board
Board Audit Committee
President & CEO Head of Audit
Executive Director
Head of
Information Technology
Head of
Risk Management
Head of
Operations
Company
Secretary
Chief Financial
Officer
Head of Treasury,
FI and PRI.
Head of
Corporate &
Investment
Banking
Head of
Retail &
Commercial
Banking
Head of
Islamic Banking
Head of Remedial
Management Unit
Country
Credit Head
Head of
Compliance &
Controls
Head of Human
Resources
ORGANIZATIONAL STRUCTURE
An organizational structure defines how activities such as
task allocation, coordination and supervision are directed
towards the achievement of organizational aims
Board of Directors

17. M U H A M M A D A R S H A D B A S H I R
E I 1 7 M B A 0 8 7

18. Product and Services
 RETAIL BANKING
 CORPORATE BANKING
 ISLAMIC BANKING
 HOME REMITTANCE
 INVESTOR RELATIONS

19. RETAIL BANKING
Soneri Bank Limited offers a full range of Retail
Banking services. Corporate and Treasury
operations, worldwide network of
correspondents and a complete range of Trade
Finance products make our bank a perfect place
to do trade business with.
Soneri Ikhtiar Account
Soneri Current Account
Soneri Asaan Account
Basic Banking Account
Soneri Pensioners Account
PLS Savings Account
Soneri Savings Account
Soneri Sahara Account
Rupee Term Deposit Accounts
Soneri Foreign Currency Accounts
Real Time Gross Settlement – RTGS
Agriculture Financing
SME
 Financing Products
 Deposits Products
Online Banking
Safe Deposit Lockers
Consumer Finance
Electronic Banking
SMS Alert
Banc assurance

20. 1. Current Account
2. Soneri Savings Account
3. PLS Savings Account
Accounts Types

21. Accounts Types
1 - Current Account
Soneri Current Account fulfills everyday banking needs with
no restriction on number of transactions. It offers a host of
free services with no minimum balance requirement. This
account provides instant access to funds from any branch
across Soneri Bank’s growing branch network
Initial Deposit Rs. 1,000/-
Monthly Average Balance Rs.5,000/-
Transactions Unlimited
Features

22. 2 - Soneri Savings Account
Soneri Savings Account is a flexible and fast growing cumulative
profit account. It allows savers to enjoy regular profits on a
monthly basis. the profit rate in this account increases with
increase in account balance as per the defined tiers.
Features
Initial Deposit Rs. 1,000/-
Monthly Average Balance Rs. 5,000/-
Transactions Unlimited
Profit Rate Tiered
Profit Calculation On day end balance
Accounts Types

23. 3 – PLS Savings Account
PLS Savings Account is a simple deposit account offering great
convenience. The account may be opened with any amount
and there is no minimum balance requirement.
Initial Deposit Rs. 100/-
Minimum Balance No requirement
Transactions Unlimited
Profit Calculation On average monthly balance
Profit Payment Semi-annually
Features
Accounts Types

24. RTGS
Real Time Gross Settlement.
RTGS system is a funds transfer mechanism where
transfer of money takes place from one bank to
another on a “real time” and on “gross” basis. This is
the fastest possible money transfer system through
the banking channel.
Services

25.  ATM / Visa Debit Card
Services
 Introduction
 Soneri VISA Debit Card brings you a hassle-free experience of
spending and making payments countrywide. As a Soneri ViSA Classic
Card and VISA Gold Card holder you can avail unmatched
opportunities and benefits.
 Benefits
 Safer than carrying cash
 Pay dinning, shopping, travelling and other bills at over 27
million outlets displaying VISA signs locally and
 Internationally
 Worldwide cash withdrawal facility at over 1.7 million ATMs
displaying the sign
 Ease of cash withdrawal on

26. Services

27. What are the available limits on Classic & Gold Card?
VISA Classic Debit Card VISA Gold Debit Card
Cash Withdrawal Rs. 35,000 Cash Withdrawal Rs. 50,000
Purchase (Merchant) Rs. 50,000 Purchase (Merchant) Rs. 100,000
Funds Transfer Rs. 250,000 Funds Transfer Rs. 250,000
Services

28. Services

29. Services

30. We offer a wide range of banking products and services to our high
end customers for their working capital and long term financing
requirements. In addition, we also offer advisory, debt rescheduling
and cater to capital market needs of our valued clients. Our
business team is geared to meet our client’s requirements and assist
in the best possible manner in making our customers grow their
businesses.
Corporate Banking

31. Islamic Banking
Islamic banking refers to a
system of banking or banking
activity that is consistent with the
principles of the Shari'ah (Islamic
rulings) and its practical application
through the development of Islamic
economics. The principles which
emphasise moral and ethical values
in all dealings have wide
universal appeal.
Fatwa
Shariah Board
Financing Products
Deposit Products
Weightage
Historical Rate
Sheet
Branches
SOC Certificate
IB Schedule of
Charges
Mustaqeem FAQs

32. Soneri Mehnat Wasool Remittance
Soneri Bank Limited (SBL) under the guidance
of Pakistan Remittance Initiative (PRI) (a joint
venture of State Bank, Ministry of Finance and
Ministry of Overseas Pakistan)
Pakistanis, started HomeRemittance Payments
Disbursement Initiative in July 2012.
Soneri Mehnat Wasool lets you conveniently receive money
sent from MoneyGram, (with the presence of 350,000+ agents
across 200 countries and territories), Ria Money Transfer (with
the presence of 243,000+ agents across 134 countries), Al Ansari
Exchange / Worldwide Cash Express Money Transfer ( with more
than 100,000 agents across the globe) Wallstreet Finance (Canada),
Golden Money Transfer (USA), Alpine Exchange (USA) and Small
World LCC via more than 285 Soneri Branches nationwide.

33. S H A H I D M A H M O O D
E I 1 7 M B A 0 8 6

34. Investor relations
Soneri Bank has seen a continuous
improvement in its performance over
the years. This is a result of the bank’s
commitment and efforts to provide
excellent service to its customers. This
section includes Annual Report,
Quarterly Reports & Key Figures,
highlighting the bank’s performance.

35. Ratings:
Long Term: “AA-” (DoubleA minus);
Short Term: “A1+” (Aone plus)
 These ratings denote a very low
expectation of credit risk emanating from a
very strong capacity for timely payment of
financial commitments.
Rating Agency:
The Pakistan Credit Rating Agency (PACRA)
report June 2016
Credit rating.

36. MARKET SHARE PRICE TREND
YEAR
END
MARKET SHARE PRICE TREND
QUARTER
END HIGH (Rs.) LOW (Rs.)
CLOSING
(RS.)
2017
2016
March
June
September
December
15.85
12.67
12.50
12.25
16.00
14.68
13.45
13.40
19.20
17.60
16.54
14.00
March
June
September
December
15.90
14.50
15.49
17.90
12.76
13.00
13.40
14.10
14.00
14.22
14.64
17.65

37. Financial Analysis

38. Financial Analysis

39. Financial Analysis

40. SWOT Analysis
SWOT analysis gives a review of an organization, which is
comprised of organization’s strengths, weaknesses, opportunities
and threats

41. Strengths
Strengths are the internal plus points that make an organization
strong.
 Soneri Bank has got a very good image in the banking industry
as well as in society.
 Soneri Bank has a competitive edge of having branches in
Northern Areas of the country.
 Soneri Bank serves better to its customers with a friendly staff.
SWOT Analysis

42. Weaknesses
Weaknesses are the internal weak points, which every
organization has.
 The lower level management lacks clear direction and is not
having the managerial depth.
 Marketing skills of the bank are good but they have a little
presence at media.
 Physical setup of the branch is not impressive.
SWOT Analysis

43. Opportunities
An external situation which an organization can benefit from, is
called opportunities for that organization.
 Soneri Bank should take interest in the new market segments
like IT business and software business.
 Soneri Bank should extend their branches network to other parts
of the country.
 Increasing credit facilities to lower income groups.
SWOT Analysis

44. Threats
An external situation posed to harm organization’s interest is
regarded as threat to that organization.
 Increasing number of private / foreign banks in the country.
 Global technology advancement.
 Political, economical situation of the country.
SWOT Analysis

45. AWARDS OF SONERI BANK
 Soneri Bank is proud to have been honored by the CFA Association
with the ‘2011, Best Bank of the Year’ award in the medium banks’
category.
Achievements

46. Now you can ask any question
regarding our presentation