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Bank alfalah presentation 2
1.
2.
3. Muhammad Saad(12)
Ibad Ahmed Shakeel(11)
Moeez Khalid(39)
Iqra Khalid (31)
Arooj Butt(24)
4. Bank Alfalah Limited was launched on June 21, 1997 as a
public limited company under the Companies Ordinance
1984.
The bank commenced its operations on November 1, 1997.
It is said that the bank was named after the sister 'Falah' of
the Chairman of Abu Dhabi group.
The roots of the bank go back to the Bank of Credit and
Commerce International (BCCI), which was closed down
due to various allegations.
In 1997, the bank was privatized and taken over by Abu
Dhabi Group of UAE, with a new identity of Bank Alfalah
Limited.
5. Khalid Mana Saeed Al Otaiba
Director
HH Sheikh Nahayan
Mubarak Al Nahayan (Chairman)
Mr. Nouman Ansari (Director & Ceo)
Abdulla Khalil Al Mutawa
Director
6. Board of Directors
Board Strategy and Finance Committee
Board Risk Management Committee
Board Compensation Committee
Board Audit Committee
Board Human Resources and
Nomination Committee
Central Management Committee
Chief Financial Officer
Auditors
8. Bank Alfalah is the fifth largest Bank in Pakistan with a network of over 605
branches including Conventional, Islamic Banking in more than 200 cities
across Pakistan and Overseas/International branches in Afghanistan,
Bangladesh and Bahrain, with the registered office at B.A.Building,
I.I.Chundrigar, and Karachi.
Sr. No. Location Total No. of Branches
1 Karachi 117
2 Lahore 93
3 Islamabad 32
4 Rawalpindi 34
5 Faisalabad 28
6 Quetta 18
7 Peshawar 15
8 Multan 15
9 Hyderabad 8
10 Gujranwala 9
11 Gujrat 5
12 Sialkot 15
13 Sargodha 5
14 Abbottabad 3
15 Dera Ismail Khan 3
9. Financial Position 2018
Rupees in Million
2017
Rupees in Million
Total Deposits 702,895 644,985
Total Advances 501,636 400,655
Total Investments 277,660 400,733
Total Revenue 10,625 8,367
10.
11. Bank Alfalah deals in two categories for
advancement of Loan:
Consumer Financing
Corporate Financing
12. Consumer financing is the category of financing in which
Alfalah provide services of advancement of loans to the
individuals for their personal use.
Alfalah Personal Loan
Alfalah Auto Loan
Alfalah Home Finance
Alfalah Marriage Loan
Alfalah Karobar Finance
Alfalah Credit Cards
13. Short term loan
Bank Statement required
Interest rate is very higher than other loans
Its interest rate is KIBOR + 20.5% approx.
Repayment will be in Installments
Minimum Loan Amount: PKR 50K
Maximum Loan Amount: PKR 2M
Minimum Tenure: 1 Year
Maximum Tenure: 5 Years
No Security required
14. Short term loan
Tenure depends on the vehicle
If a car is below than 1000cc then its
tenure will be 1 year – 5 years
If a vehicle is above than 1000cc then its
tenure will be 1 year – 7 years
For its security a Cheque is required
Down payment is as per customer’s desire
Mostly minimum payment is 20% of
equity and maximum 75%
Interest rate is KIBOR + 4%
15. There’s a wide range of home finance
solutions available at Bank Alfalah.
Short and long terms.
Interest rate is 1 Year KIBOR + 3.5% for
salaried person.
1 Year KIBOR + 4.5% for Business People.
16. Alfalah Build Your Home
Financing to construct home
on an empty plot
Financing of up to 100% of the
construction cost
Payment tenure option from 3
to 20 years
Alfalah Plot and Build
Customer can choose his plot
build his home
Financing up to 70% of the value
of constructed home
Payment tenure option from 3 to
20 years
Alfalah Home Buyer
Acquire a home of customer’s
desire.
Financing of up to 70% of the
value of the property
Payment tenure options from 3 to
20 years
17. Short and long terms.
Interest rate is 1 Year KIBOR + 4% for salaried
person.
1 Year KIBOR + 5.5% for Business People.
18. Karobar Finance is to start a new business.
Short and long terms.
Interest rate is KIBOR + upto 5.5%.
19. Bank Alfalah is Market Leader in credit cards
No fee for issuance of credit card
No need of bank account in Alfalah.
Can be swipe 30 million locations of 200
countries
Salaried Person
Its credit limit is for salaried person is 3 times more than salary
Business Person
Credit limit for business man’s credit card is according to closing
balance of the account and performance of business
Categories:
22. A business loan is a loan specifically
planned for business purposes
It involves the creation of a debt, which
will be repaid with added interest
Bank Alfalah is offering different products
regarding business loan
24. Offers running finance, Letter of Credit and other
import/export related facilities against mortgage of
residential/commercial property
Short term loan and its tenure is 1 year and after 1 year
this can be renew according to customer desire
Security of Mortgage or Pledge in urban or commercial
area is required
Interest rate is KIBOR+ 3.5% - 4%
Amount ranges is from PKR 0.5M to 20M
Basically for SME business
25. Business loan which includes running finance as
main limit and all other import/export related
facilities
Short term loan
Interest rate is KIBOR+ 8%
Business loan against National Saving Certificates,
Prize Bonds & PKR deposit
Up to 90% financing against security deposit
The amount of financing under Alfalah Quick
Finance ranges from PKR. 50,000 to PKR. 300M
Quick and convenient processing
Third party security acceptable
26. Financing available for purchase of rented property,
construction on owned plot, purchase of constructed property
and renovation of owned property
Financing available from PKR 0.5M to PKR 30M.
Long term loan, minimum and maximum tenure for AMF 1, 2
and 3 shall be 2-15 years
Loans under AMF 4 shall be repaid within 2-4 years
Its interest rate is KIBOR+ 4% - 5%
27. Bank facilitate businesses to buy heavy
transport for the business
Heavy duty transport includes heavy vehicles
like trucks, containers etc.
Bank Alfalah is the first bank who is providing
finance for heavy duty transport.
Short term loan tenure is 3 years – 5 years
Interest rate is KIBOR+ 4% - 5%
Business evidence is taken as security by the
bank
28. Short term loan and its tenure is 3
years to 5 years
Its nature is like Fleet Finance
Interest rate is also KIBOR+ 4% - 5%.
Affordable markup rates
Quick processing and loan disbursal
Minimal processing charges
29. It’s also known as Finance against Packing
Credits.
To support export business in the economy SBP has provided a
facility to the exporters
Rates from 6.5% to 8% which is the base rate but sometime rate
set due to exports of the business, but currently it is 6.45%
Bank Alfalah give such loans to the exporters and then get the
repayment/refinance from SBP.
They add a spread up to 3% - 4% where client agree
Export Re-Payment
30. Interest rate KIBOR+ 3% -
5%
The finance is granted by
the bank to the exporter on
the basis of a Firm Export
Order / Export Letter of
Credit
Tenure 180 days
The financing facility can be
availed at pre-shipment
stage
Avail on the performance of
exports
Exporters can avail this financing
facility for a period of 180 days
Facility once availed needs to be
repaid in totality
Interest rate is 2% - 3% by SBP
ERP 2
Export Re-Payment