• Hina rahim
• Shuja mehak
• Rabia Qadir
• AYESHA IFTIKHAR
TYPES OF BANKS
Broadly speaking bank can be classified into commercial banks and
• 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.
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:
An organizational structure defines how activities
such as task allocation, coordination and supervision
are directed towards the achievement of
Product and Services
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.
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
Corporate Banking Corporate 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
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 Pakistanis, Pakistan)
started Home Remittance Payments
Disbursement Initiative in July 2012.
Soneri Mehnat Wasool lets you conveniently receive money
sent from MoneyGram, (with the presence of 327,000+ agents
across 198 countries and territories), Wallstreet Finance
(Canada), Golden Money Transfer (USA) and Al Falah
Exchange (UAE) via more than 240 Soneri Branches
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.
Long Term: “AA-” (Double A minus);
Short Term: “A1+” (A one plus)
These ratings denote a very low expectation of credit risk emanating
from a very strong capacity for timely payment of financial
The Pakistan Credit Rating Agency
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’
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 233 branches and
have almost 258 ATMs across the country.
ATM / Visa Debit Card
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.
•Safer than carrying cash
•Pay dinning, shopping, travelling and other bills at over 27 million outlets displaying VISA signs locally and
•Worldwide cash withdrawal facility at over 1.7 million ATMs displaying the sign
•Ease of cash withdrawal on
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
What are the available limits on Classic & Gold Card?
Which account categories qualify to obtain
Soneri VISA Debit Card ?
Following are the account categories qualified to obtain Soneri VISA Classic &
Gold Debit Cards:
Ikhtiar Current Account
Soneri Sahara Account
Which account categories do not qualify to obtain
Soneri VISA Debit Card ?
Following account categories do not qualify to obtain Soneri VISA Debit Card:
Any Non-Personal account i.e. Companies, Organizations, Trust Account,
Government Account and Collection Account, etc. except for Sole Proprietorship
Customer accounts having joint operations
Dormant, inoperative, blocked or restricted accounts
Soneri Bank is providing SMS Alert Service to all
of our customers, to make their lives hassle free
and secure. SMS Alerts are a useful tool to
safeguard Debit Card usage by providing instant
updates about your financial transactions.
Simultaneously it also provides the convenience to
get the information of your financial transactions
performed via Current and Saving accounts on
your mobile phones.
Following are the Customers eligible to receive SMS Alerts Service :
• Saving Accounts
• VISA Debit Card holders
All eligible customers using any GSM connection (includes all Mobile SIM
providers) can avail this service
Financial transactions covered by this Service include:
• Cheques (Inward Clearing & Outward Return)
• ATMCash Counter Transactions (Any Amount Deposit or Withdrawal)
• Internet Banking, Mobile Banking, Call Center & ATM Clearing Cash
• Bill payment through Internet Banking, Mobile Banking, Call Center & ATM
• Fund Transfers through
• VISA Debit Card use at the POS machines
Transactions NOT covered by this Service include:
• Profit Payments
• Auto Debit
Now you can ask any question
regarding our presentation
from our any group member.