Final Project Presentation FABL Submitted To Sir Usman Ghani Create By Muhammad Usama Khan Niazi

3. GROUP MEMBERS
 MUHAMMAD USAMA KHAN
 MUBEES UL HASSAN
 KHAWAJA ABDUL GHAFAR
 AQIB MEHMOOD
 FAIZAN ABID
 SHAHNAWAZ QAZAFI

4. VISITED BRANCH
• ADDRESS
CITI SHOPPING MALL, SATELLITE TOWN, RAWALPINDI, PUNJAB
• BRANCH MANAGER
SOHAIL GULZAR
• OPERATIONAL MANAGER
MUHAMMAD NAEEM

5. CONTENTS
• HISTORY
• INTRODUCTION
• CAPITAL & OWNERSHIP
• BODS
• VISION , MISSION AND VALUES
• PRODUCTS
• ISLAMIC BANKING
• SWOT ANALYSIS
• MARKET SHARE
• FINANCIAL STATEMENTS SUMMARY

6. ABOUT FAYSAL BANK
Industry Banking
Founded October 3, 1994
Type Public
Headquarter Karachi
Area served Pakistan
Products Financial services
Regulator Internal, SBP
Number of employees 3,610

7. HISTORY
• Faysal Bank started operations in Pakistan in
1994.
• First as a branch set-up of Faysal Islamic
Bank of Bahrain and then in 1994 as a locally
incorporated Pakistani bank under the
present name of Faysal Bank Limited.
• On January 1, 2002, Al Faysal Investment Bank Limited
another group entity in Pakistan, merged into Faysal Bank
Limited which resulted in a larger, stronger and much more
versatile institution.

8. INTRODUCTION
• Faysal Bank Limited is a full service
banking institution offering consumer
corporate and investment banking
facilities to its customers.
• 365 (Including 158 Islamic) Faysal Bank
Branches in over 100 Cities nationwide.
• 11,000 ATMs and over 50,000 point of
Sale (POS) locations available nationwide.

9. CAPITAL & OWNERSHIP
• THE MAJORITY SHARE HOLDING OF
FAYSAL BANK LIMITED IS HELD BY
ITHMAAR BANK B.S.C AN
INVESTMENT BANK LISTED IN
BAHRAIN.
• THE REMAINING SHAREHOLDERS
COMPRISE OF GENERAL PUBLIC, NIT
AND OTHER PAKISTANI
INSTITUTIONS.

10. BOARD OF DIRECTORS
Mr. Farooq Rahmatullah Chairman
Mr. Ahmed Abdulrahim Mohamed
Abdulla Bucheery
Vice Chairman
Mr. Yousaf Hussain President & CEO
Mr. Mian Muhammad Younis Director
Mr. Imtiaz Ahmad Pervez Director
Mr. Juma Hasan Ali Abul Director
Mr. Abdulellah Ebrahim Al-
Qassimi
Director
Mr. Abdulla Abdulaziz Ali Taleb Director

11. BRANCH LEVEL
Branch
Manager
Relational
Manager
Relational
officer
Operation
al
Manager
Cash
Liabilitie
s
Custome
rs
Operation That Is
Performing In The
Bank Like Deposits,
Withdrawal Of
Money

13. VISION AND MISSION
VISION
Excellence in all that we do.
MISSION
Achieve leadership in
providing financial services
in chosen markets through
innovation.
.

14. VALUES
OUR DAILY CODE OF CONDUCT IS EXEMPLIFIED BY EIGHT CORE
VALUES .
• TEAM: OUR ASSET
• RESPECT: OUR DUTY
• PROFESSIONALISM: OUR COMPETENCE
• INTEGRITY: OUR IDENTITY
• PASSION: OUR WORTH
• INNOVATION: OUR STRENGTH
• RESPONSIVENESS: OUR DISTINGUISHER
• COMPASSION: OUR GIFT

15. SOCIAL AND COMMUNITY
OBLIGATIONS
• FAYSAL BANK CONTRIBUTED RS.10 MILLION TOWARDS THE
PRESIDENT’S RELIEF FUND AND RS.2.5 MILLION TO ITS
WAQF FUND FOR EARTHQUAKE RELIEF.
• FAYSAL BANK HOSTED AN OPEN GOLF TOURNAMENT IN LAHORE IN
MARCH 2005 WHICH WAS VERY WELL ATTENDED BY PROFESSIONAL
AND AMATEUR GOLFERS ALIKE.
• FAYSAL BANK WAS ONE OF THE MAIN SPONSORS OF THE PAK
VERSUS INDIA FOOTBALL SERIES PLAYED IN JUNE 2005.
• FAYSAL BANK LIMITED (FBL) AND PAKISTAN CRICKET BOARD (PCB)
ANNOUNCED THE SECOND FAYSAL BANK T20 CUP OF THE 2013-

16. AWARDS AND REWARDS
• THE ARCHITECTURAL DESIGN OF FAYSAL BANK BUILDING AT BLUE
AREA, ISLAMABAD WAS CHOSEN AS A PRIZE WINNER BY THE
INSTITUTE OF ARCHITECTS, PAKISTAN AT THE IAP AWARD
CEREMONY, HELD IN OCTOBER 2005 AT KARACHI. THE AWARD
WAS GIVEN TO MR. NASIR IQBAL, THE ARCHITECT FOR THE FAYSAL
BANK BUILDING IN ISLAMABAD.

17. PRODUCTS &
SERVICES

18. TYPES OF ACCOUNTS •
• INDIVIDUAL ACCOUNT
• JOINT ACCOUNT
• PROPRIETORSHIP ACCOUNT
• PARTNERSHIP ACCOUNT
• COMPANIES ACCOUNT

19. PERSONAL PRODUCTS &
SERVICES
 Deposit Products
• Current Accounts
• Savings Accounts
• Foreign Currency Accounts
• Term Deposit Accounts
• PayCheq Plus
• Moneyline
 Loans
• Lending
• Mortgage
 E-Banking
• Debit Cards
• Mobit
• SMS Facility
• E-Statement
• Services
 Wealth Management
• Saving and Investment Plans
• Health Insurance
• Life Insurance
• General Insurance(All Rounder)
• Investment Products

20. BUSINESS PRODUCTS &
SERVICES
 Corporate
• Corporate Financing
• Financial Institutions
• Emirates NBD
• Investment Banking
• Trade Financing
 Agri
• Faysal Khushaal Kisan
 Comercial & SME
• Short Term Finance
• Short Term Trade Facilities
• Finance against Imported
Merchandise
• Finance Against Trust Receipt
• Export Finance Facilities
• Pre-shipment (own sources)
• Post shipment (own sources)
• Bank Guarantees
• Long Term Exposure

21. CREDIT CARD & DEBIT CARD
 CREDIT CARD
• CLASSIC CREDIT CARD
• GOLD CREDIT CARD
• WORLD CREDIT CARD
• PLATINUM CREDIT CARD
• TITANIUM CREDIT CARD
• MC2 CREDIT CARD
• AIRBLUE CREDIT CARD
 DEBIT CARD
• CLASSIC DEBIT CARD
• GOLD DEBIT CARD
• PLATINUM DEBIT CARD

22. INSURANCE
• EFU LIFE INSURANCE
• ADAMJEE INSURANCE
• JUBILEE LIFE INSURANCE
• IGI LIFE INSURANCE

23. ACCOUNT OPENING
ACCOUNT OPENING FEE
• RS.2000 INCLUDING ATM & CHEQUE BOOK
MINIMUM BALANCE FOR OPENING SAVING
A/C
• RS.20,000.
MINIMUM BALANCE FOR OPENING CURRENT
A/C
• RS.5000.

24. DEPOSIT ACCOUNT TYPES
 Savings Accounts
• LifePlus
• Moavin
• Market Link
• Premium
• PLS Savings
• Anchor Savings
• Asaan Saving
 Term Deposit Accounts
• Izafa
• Izafa Premium
Current Accounts
• Asaan Current Account
• Basic Banking
• Business First
• Sahulat
Foreign Currency Accounts
• FCY Savings Plus
• FCY Current Account
• FCY Term Deposit
• Mahfooz Sarmaya

25. CLEARING OF CHEQUE
"THE TRANSFER OF FUNDS FROM A BRANCH OF BANK TO THE
OTHER BRANCH OF THE SAME BANK OR THE OTHER BANK ON
WHICH THE INSTRUMENT IS DRAWN, WITHOUT INVOLVING CASH
THROUGH "STATE BANK'S CLEARING HOUSE"
 Instruments
• Cheques
• Demand Drafts
• Pay Orders
• Traveler’s Cheques
 Types of Clearing
• Inward Clearing
• Outward Clearing
Local Clearing
Outstation Clearing
• Cheque Returned

26. OUTWARD CLEARING PROCESS
Cheques
Deposited
Scrutiny of Cheques and
Deposit Slips
Stampin
g
Postin
g
Make Bundle of 50 Cheques
per List
Separate Deposit Slips and
Cheques
Hand Over to NIFT
Agent
Final Voucher
Prepared
Bundle
Cover

27. INWARD CLEARING PROCESS
Cheques
Withdrawals
Scrutiny of Cheques and
Stamps
Posting
Returns
Marked
Cancellatio
n
Transfer
Stamp
Attach Return
Memo
Send to Account
Department
Return Voucher
Prepared
Hand Over to NIFT
Agent

28. BARKAT ISLAMIC
BANKING

29. ISLAMIC BANKING
• FAYSAL BANK LAUNCHED “BARKAT ISLAMIC BANKING” THROUGH
BRANCHES DEDICATED TO EXCLUSIVE ISLAMIC BANKING
OPERATIONS.
• THE FIRST BRANCH WAS INAUGURATED AT SHARFABAD KARACHI BY
THE CHAIRMAN OF THE BOARD OF DIRECTORS OF FAYSAL BANK,
MR. NASEEM AHMED
• ALL PRODUCTS AND SERVICES OF BARKAT ISLAMIC BANKING ARE
APPROVED AND OPERATED UNDER THE SUPERVISION OF OUR
SHARIAH BOARD.

30. SHARIAH SUPERVISORY BOARD
SUCCESSFUL IMPLEMENTATION OF THE ISLAMIC BANKING MODEL
RESTS UPON ABSOLUTE ADHERENCE TO THE PRINCIPLES OF ISLAMIC
SHARIAH. THE ROLE OF THIS BOARD IS TO MAINTAIN AND FURTHER
STRENGTHEN THIS COMMITMENT AND TO ENSURE STRICT SHARIAH-
COMPLIANCE IN ALL AREAS OF THE BANK'S OPERATIONS.
MEMBERS :
Mufti Mohib ul Haq Chairman – Shariah Board
Dr. Mufti Khalil Ahmad
Aazami
Member - Shariah Board
Mufti Khawaja Noor ul
Hassan
Resident Shariah Board
Member

31. FAYSAL BARKAT PRODUCTS
DEPOSIT PRODUCTS
• CURRENT ACCOUNT
• SAVINGS ACCOUNT
• BARKAT KAMIL BUSINESS ACCOUNT
• INVESTMENT CERTIFICATE
• BASIC BANKING ACCOUNT
• ASAAN CURRENT ACCOUNT
• ASAAN SAVINGS ACCOUNT
• CALL DEPOSIT RECEIPT
• BARKAT LIFEPLUS SAVING ACCOUNT
• BARKAT PAYCHEQ PLUS SAVINGS
ACCOUNT
 Barkat Consumer
Finance Products
• Auto Finance
• Home Finance
 Business Banking
• Murabaha
• Istisna’a
• Diminishing Musharakah
• Running Musharakah
• Ijarah
• Prime Minister Youth Business
Programme
• Trade Services

32. BARKAT DEBIT CARDS
• BARKAT POCKETMATE VISA DEBIT CARD
• BARKAT PLATINUM VISA DEBIT CARD
• BARKAT UNIONPAY DEBIT CARD
• BARKAT PAYPAK DEBIT CARD

33. SWOT ANALYSIS

34. STRENGTHS
• STAFF OF FAYSAL BANK IS WELL TRAINED TO PROVIDE MOST
EFFICIENT AND PERSONALIZED SERVICE TO EACH AND EVERY
CUSTOMER.
• STAFF WELFARE HAS ALWAYS BEEN GIVEN A PRIORITY. NEW
INITIATIVES LIKE, CAR BUY FACILITY AND HOME LOAN INSURANCE
HAVE ADDED IN STAFF CARE POLICIES.
• FAYSAL BANK HAS A COUNTRYWIDE NETWORK OF ONLINE BRANCH
BANKING BUSINESS AND ATM’S IN ALL MAJOR CITIES OF THE
COUNTRY.
• HEAVY INVESTMENT IN INFORMATION TECHNOLOGY.

35. WEAKNESSES
• BANK HAS NO ADEQUATE NUMBER OF BRANCHES AS COMPARED
TO ITS COMPETITORS LIKE ALFALAH AND ASKARI ETC.
• FBL REMITTANCES CHARGES ARE VERY MUCH HIGH AS COMPARED
TO OTHER COMMERCIAL BANKS.
• PROMOTIONAL ACTIVITIES ARE VERY MUCH LOW. BANK CAN
CAPTURE LARGE SHARE OF MARKET BY ADVERTISING ITS NEW AND
INNOVATIVE PRODUCTS. ESPECIALLY BY PROMOTING IT’S NEWLY
INNOVATIVE PRODUCTS BY USING INTERNET AS A MEDIUM.

36. OPPORTUNITIES
• FAYSAL BANK CAN GET THE OPPORTUNITIES BY INCREASING ITS
BRANCH NETWORK INTERNATIONALLY AND DOMESTICALLY.
• FBL CAN INTRODUCE SPECIAL SCHEMES OF LENDING FOR
POTENTIAL SMALL INDUSTRIES.
• FBL CAN INCREASE ITS OPERATIONS BY PROPER PROMOTIONAL
CAMPAIGNS OF ITS NEW INNOVATIVE SERVICES.
• BANK HAS NO FOREIGN BRANCHES ESPECIALLY SO IT SHOULD
OPEN ITS BRANCHES OUTSIDE THE COUNTRY ESPECIALLY IN U.K,
U.S.A.

37. THREATS
• BANK CAN LOSE MARKET SHARE DUE TO INSUFFICIENT PROMOTIONAL
ACTIVITIES.
• ECONOMIC CONDITION OF PAKISTAN
• COMPETITORS
• DECLINING TREND IN BANKING SECTOR, WHICH CAN AFFECT IT
TO LARGE EXTENT BECAUSE OF ITS BIG CORPORATE CUSTOMERS
WHICH ARE FEW IN NUMBER.
• ARRIVAL OF BARCLAYS AND BANK OF CHINA IN PAKISTAN, WHICH
CAN INCREASE THE COMPETITION IN BANKING SECTOR.

38. FINANCIAL
STATEMENT
SUMMARY

39. MARKET SHARE
Trades end of day
Last trade on Jan 22, 2018 Day's range
Rs 23.53 -
24.98
Change Rs 0.86 52 week range
Rs 18.16 -
27.54
Open Rs 24.40 Volume 687,000
Close Rs 24.79 Previous Close Rs 23.93

40. QUARTERLY FINANCIAL
STATEMENT SUMMARY
Recent Quarterly Financials
Quarter 2017 Q3 O/S Shares 1,316.47m
Net Profit Rs 965.64m Market Cap Rs 30,673.75m
EPS 0.73 Earnings Yield 3.33%
EPS (ttm) 3.37 P/E (ttm) 6.92
Dividend Rs 0.00 ROE 7.34%

41. 2016 ANNUAL FINANCIAL
STATEMENT SUMMARY
Latest Annual Financials (year end: December)
Financial Year 2016 O/S Shares 1,199.76m
Net Profit Rs 4,301.77m Market cap Rs 27,954.41m
EPS 3.59 P/E 6.50
Par Value Rs 10.00 Book value Rs 24.29
Net Worth Rs 29,141.72m P/BV 0.96
Dividend Rs 0.00 ROE 14.76%
Dividend Yield 0.00% Dividend Payout 0.00%
Earnings Yield 15.39% Sharia? No

42. THANK YOU