muslim commercial bank

1. Muslim Commercial Bank
By: Tanzil Qadir & Saad Ateeq

2. Introduction
 MCB was found in 1947 by Mian Muhammad
Mansha.
 Oldest banks of Pakistan.
 incorporated in private sector in 1947.
 Nationalized in 1974 and privatized in 1991.
 Shareholding is owned by Nishat Group.
 Over 1,400 Branches.
 Over 1,450 ATMs
 customer base of over 8 million
 2nd largest network of more than
1,600 branches in Pakistan

3. Current Deposit Accounts
Current Account
 Minimum balance requirement PKR 10,000
 Unlimited cash withdrawals and deposits
Business Account
 Minimum monthly balance PKR 50,000
 Unlimited withdrawals & deposits
Basic Banking Account
 No minimum balance requirement
 2 deposit and 2 withdrawal transactions free per month.

4. MCB Asaan Account
 Initial deposit requirement as low as PKR 100/-
 No minimum balance requirement
 Interbank Funds Transfer (IBFT) facility
 Per month total debit transactions limit PKR 500,000/-
 Maximum total account balance limit PKR 500,000/-
Fun Club - Banking For Kids
• TO ENCOURAGE KIDS FOR SAVING
Foreign Currency Current Account
• To facilitate abroad Pakistanis and Foregners
• Current Life Account
Current Deposit Accounts

5. MCB Smart Business Account
 No minimum balance requirement
 Unlimited withdrawals & deposits
 To avail free services, average balance
must be greater than PKR 5,000
MCB Ladies Account
 Free Health Insurance*
 Branded Debit Card
 Branded Cheque Book
 Average balance of last 3 months should be
greater than PKR 75,000.
Current Deposit Accounts

6. Saving Accounts(5.5%,max 6 or 7%)
 MCB Profit and Loss Saving Account
 Unlimited withdrawals & deposits
 Attractive saving rates*
Smart Saving Account
 Tiered product offering high return to low ticket
customers
 Competitive rates*
 Profit Calculation on average monthly balance
 Quarterly profit payment frequency
 Initial deposit as low as PKR 100.

7. MCB Pensioners Savings Account
 Monthly Profit Pay-out
 Unlimited Withdrawals and Deposits
 Free E-Statement on request
 Profit Calculation on average monthly
balance
 Initial deposit as low as PKR 1,000.
MCB Senior Citizen Savings Account
 Monthly Profit Pay-out.
 Unlimited Withdrawals and Deposits
 Free E-Statement on request
 Monthly profit payment frequency
 Initial deposit as low as PKR 1,000.

8. Term Deposit Account
 Flexi Deposit Account
 Account can be opened with 100,000 only
 Profit payment options ” quarterly, semi-annually,
annually or at maturity”
 Flexible tenor options of upto 5 years
 Competitive rates*
 Rollover and Renewal facility available
 Mahana Profit Account 4.65% - 4.75%
 Profit pay-out on a monthly frequency
 Flexible tenor options of up to 5 years
 Competitive rates*
 Minimum balance required 25,000
 Special Foreign Currency Term Deposit

11. Consumer Loan
• Personal Loan KIBOR 12.30%
•Minimum Loan Amount: PKR 50,000
•Maximum Loan Amount: Up to PKR 2 Million
•Tenure: 1 year to 5 years
• Copy of CNIC ,, bank slip/proof of income
Eligibility
•Minimum Net monthly Salary
Salaried Customers : PKR 30,000 to PKR 40,000/-
depending on employer*
Govt. Officers/ Armed Forces : PKR 30,000

12. Car4U(24%)9
• Salaried
Copy of CNIC , 2 passport sized photo, bank
statement, bank slip/proof of business
• Self-Employed
• Self-Employed Businessmen
• Self-Employed Professionals
• Agriculturists
• Land Lords – Rental Income
(tenor 1-5 years 1Yr KIBOR + 4 % 1-7 years 1YrKIBOR + 5%)

13. Apna Ghar Mehfooz Zindag(5% to 10%)
you can apply for MCB Home Loan if you have
income source from one of the following:
1. Salaried (Copy of CNIC , 2 passport sized photo, bank statement, bank
slip/proof of business)
2. Self-Employed
3. Pensioners
4. Land Lords
• Flexibility to borrow funds - 2 - 25 years
• Broad range of financing available – Upto PKR 50
Million (or even higher)

14. Home Loans For:
Equity greater than 30%: 6 Month KIBOR+3.00%
Equity equals to 30% and greater than
50%:
6 Month KIBOR+2.50%
Equity greater than and Equal to 50%: 6 Month KIBOR+2.00%
Equity greater than 30%: 6 Month KIBOR+3.50%
Equity equals to 30% and
greater than 50%:
6 Month KIBOR+3.00%
Equity greater than and
Equal to 50%:
6 Month KIBOR+2.50%
For Self Employed Individuals

15. LENDING PRODUCTS
FUNDED
 Working capital finances
(running finance, cash finance ) KIBOR rate + agreed spread)
 Agricultural finances
(tractor finance , dairy and meat finance)
 Terms loans
NON FUNDED
 Letters of credit
 Guarantees

16. Credit card
silver(40k) annual fee 900pkr
shopping 50k IBFT 50k
Gold(50k) fee 1400
shopping 100k IBFT 100k
 Gold plus (100k) fee1600
Shopping 150k IBFT 100K
Platinum(250K) fee 4200
shopping & IBFT 500k

17. THANK YOU 