Tameer Micro Finance Bank Limited is the first scheduled Micro Finance Bank in Pakistan and a part of Telenor Group.

1. INTRODUCTION:
Tameer Micro Finance Bank Limited
is the first scheduled Micro Finance
Bank in Pakistan and a part of
Telenor Group.

3. HISTORY:
• Tameer Bank launched its operations in 2005
to provide micro-finance and related financial
services to the less privileged and unbanked
segment of the society.
• Tameer Bank hope to contribute towards
poverty eradication under the Microfinance
Institution ordinance, 2001.

4. INSPIRATION SPREAD HOPE
Our local priorities with global commitment
Financial inclusion: For 10 years Tameer has focused on
providing exclusive financial services to Pakistan's un banked.
we continue to fulfill our promise to create socio-economic
empowerment by providing micro lending and micro saving
opportunities for those at the bottom of the pyramid.
Health : Tameer has partnered with local insurance
companies to provide stand alone health that facilities access
to in patient health at hundreds of hospitals around Pakistan.
Education: in 2013, Tameer initiated a pilot to finance private
schools in remote areas to enable excess to education for the
Pakistani people. these private schools no longer have to
worry about excess to finance and can focus on providing
quality education.
Development Partnerships: Tameer works with various local
and international organization including win rock, care
international, USDA, mercy corps, IAFD on development
initiatives that have financial inclusion components.

6. MANAGEMENT

7. EXISTING BUSINESS
Loans Deposits
Health Micro
Insurance
Easypaisa
Dairy Financing Agri Financing Solar Financing Bio Gas Financing
Low Cost Housing
Financing
Bank On Wheel

8. BANK’S NETWORKS
Tameer and Telenor jointly Launched Easypaisa has over 70,000
shops in more than 800 cities across the country. Nearly 650,000
transactions are conducted on Easypaisa every day by 15 million
active customers.

9. Capital

10. FUNCTIONAL DEPARTMENTS
Finance Department
Branchless Banking (Easypaisa)
Human Resource
Compliance
Information Technology
Marketing & Strategy Department
Risk Management
Branch Banking
Business Support
Internal Audit

11. Branchless Banking:
Branchless banking is a distribution channel strategy used for
delivering financial services without relying on While the strategy may
complement an existing bank branch network for giving customers a
broader range of channels through which they can access financial services,
branchless banking can also be used as a separate channel strategy that
entirely forgoes bank branches.

12. Human Resources Department
A human resources department is a critical component of employee
well-being in any business, no matter how small. HR responsibilities
include payroll, benefits, hiring, firing, and keeping up to date with
state and federal tax laws.

13. Compliance Department
The compliance department within a brokerage firm, bank or financial
institution is designed to ensure compliance with all applicable laws,
rules and regulations.

14. Information Technology
In a business context, the Information Technology Association of
America has defined information technology as "the study, design,
development, application, implementation, support or management of
computer-based information systems".

15. Marketing & Strategy
An organization's strategy combines all of its marketing goals into
one comprehensive plan. A good marketing strategy should be
drawn from market research and focus on the product mix in order
to achieve the maximum profit and sustain the business.

16. Risk Management:
(in business) the forecasting and evaluation of financial risks
together with the identification of procedures to avoid or
minimize their impact.

17. Branch Banking
Branch banking is engaging inbanking activities such as
accepting deposits or making loans at facilities away from
a bank's home office.Branch banking has gone through
significant changes since the 1980s in response to a more
competitive nationwide financial services market.

18. Business Support Systems
Business support systems (BSS) are the components that
a telecommunication service provider uses to run its business
operations towards customers.

19. Internal Auditing
"Internal auditing is an independent, objective assurance and
consulting activity designed to add value and improve an
organization's operations.

20. C.E.O
DEPUTY C.E.O
C.F.O
HEAD OF
COMPLIANCE
HEAD OF
BRANCHLESS
BANKING
HEAD OF
BUSINESS
SUPPORT
CHIEF
HUMAN
RESOURCE
OFFICER
CHIEF
MARKETING
& STRATEGY
OFFICER
HEAD OF I.T
CHIEF RISK
OFFICER
HEAD OF
BUSINESS
HEAD OF
INTERNAL
AUDIT

21. Finance Department (FINCON)
CFO
Unit Heads
Accounts
Unit Heads
Business
Planning
Unit Heads Tax
Unit Heads
Business
Portfolio
Financial
Controller

22. Chief Financial Officer:
The CFO reports directly to the President/Chief Executive Officer (CEO) and
directly assists the Chief Operating Officer (COO) on all strategic and tactical
matters as they relate to budget management, cost benefit analysis,
forecasting needs and the securing of new funding.
Financial Controller:
A financial controller is a senior-level executive who acts as the head of
accounting, and oversees the preparation of financial reports, such as balance
sheets and income statements.
Business Planning:
Business Planning is a planning process that integrates across two or more
functions in a business or government entity referred to as an enterprise to
maximize financial value.

23. Business Portfolio:
A business portfolio is a company's set of investments, holdings,
products, businesses and brands. A product portfolio is the product's mix of
market segments. Marketing managers attempt to make a product appeal to
specific groups of people, called segments.
Accounts Department:
The accounting department is responsible for recording and reporting the cash
flow transactions of a company. This department has some key roles
and responsibilities, including accounts receivable, accounts payable, payroll,
financial reporting, and maintaining financial controls.

24. SWOT Analysis
Strength Weakness
•Both agencies have understood
their domains.
•System organized, structured
•No communication gaps
•Brand Reorganization
•No proper advertisement on
electronic media.
Opportunities Threats
•Emerging Market
•Focus on informal sector neglected
so far by banking system/comparative
advantage for risk‐taking agency
•Security and external hazards
• Other micro finance banks. e.g
Apnabank

25. Recommendations
The global economic environment has changed, creating challenges and
opportunities for the world’s policy makers. Now there is a greater awareness
that Banks are playing very important role in the economic growth of any
country. TMFB, no doubt a positive contributor in this respect but I think there
are certain points which bank needs to adopt in order to serve in a more
effective and efficient manner. These points are as under:
•Model Banks are using media very effectively to increase the business of
banks. So TMFB should need to use electronic media for its business
developments.
•The bank should bring forward the new talent as fresh knowledge and
education is considered very important to increase the efficiency and
production.
• Bank should introduce Credit cards and Debit cards Facility.

26. Thank You
Presentation Prepared By:
Mudassir Raza
Information Gathered By:
Rehan Inam & Shayan Asif
Cross Checked By:
Nasir Mehmood & Syed Ayaz Ahmed