About the meezan Bank of Pakistan by Student of GcUF -Sub Campus sahiwal Dept. of mangmt. sinless

3. Staff Members
 Sana ( Manager)
 Adnan ( H.R Manager)
 Haroon (Operational Manager )
 Rabia ( Market Manager)
 Savera (Chief Financial Officer )

4. Content
Introduction
Our vision & Mission
History
Shareholding structure
Organization structure
Products
Annual report

5. First and largest Islamic
commercial Bank of Pakistan
Headquartered in Meezan
House - Karachi, Pakistan
Incorporated on 27th February
1995
In 2002 State Bank of Pakistan
issued first-ever license for
Islamic commercial banking.
Introduction

6. 550 branches in
more than 125
cities of Pakistan
8th largest bank of
Pakistan (in terms
of branch network)
11th largest bank of
Pakistan (in term
of deposite)

7. Our vision
Establish Islamic banking as banking of first
choice to facilitate the implementation of an
equitable economic system, providing a
strong foundation for establishing a fair and
just society for mankind.

8. Our mission
To be a premier Islamic bank, offering a one-stop
shop for innovative value-added products and
services to our customers within the bounds of
Shariah, while optimizing the stakeholders value
through an organizational culture based on learning,
fairness, respect for individual enterprise and
performance.

9. History
1997 Al-Meezan Investment Bank is established with Islamic Banking. Mr. Irfan Siddiqui
appointed as first and founding CEO.
State Bank of Pakistan sets criteria for establishment of Islamic commercial banks in
private sector.
First Islamic banking license is issued to the Bank and it is renamed Meezan Bank.
Meezan Bank quickly establishes branches in all major cities of the country.
2001
2002
The State Bank establishes Islamic Banking Department by merging the
Islamic Economics Research Department with the Islamic Banking Division
of the Banking Policy Department.
2003
2004

10. History
2006 62 branches in 21 cities.
Meezan Bank introduced Tijarah financing to allow customers to raise funds for financing of
stocks of finished goods.
Meezan offer the Euro Savings Account and Meezan Pound Savings Account. Bank’s branch
network reached 222 branches in 63 cities across Pakistan.
The inauguration of the new Head office in Karachi. During the year, 53 more branches were
opened.
2008
2010
2011
Accounts and Term Deposit Receipts (TDRs) converted to Meezan Bank
accounts and Certificates of Islamic Investments
2014

11. Adnan ( H.R Manager)

12. Board of Directors
Mr. Riyadh (Chairman)
Mr. Faisal A.A.A. Al-Nassar
Mr. Bader H.A.M.A. AlRabiah
Mr. Rana Ahmed Humayun
Mr. Alaa A. Al-Sarawi
Mr. Syeda Azra Mujtaba
Mr. Muhammad Zarrug Rajab
Mr. Muhammad Abdul Aleem
Mr. Noor Rahman Abid
Mr. Talal S.A. Al-Shehab

13. Board of directors
Shariah
supervisorboard
Dr. M. Imran
Ashraf
usmani
Mr. Ahmed
Ali Siddiqui
Audit Committee
Mr. Farhan ul
Haq Usmani
Mr. Ebrhim
Yakoob

14. President & CEO
Risk
management
Mr. Syed Tariq
Finance
Mr. Shabbir
Hamza
Human
Resources
Mr. Khalid
Zaman
Compliance
Mr.
Muhammad
Ismail
Company
secretary
Mr. Tanimul
Haq
Branch
Expansion
Mr. Munawar
Rizvi
Deputy CEO
Mr. Ariful Islam

15. Branch Network Business Segments
Commercial &
Agriculture
finance
Mr. Ijaz
Farooq
Treasury &
investment
Banking
Mr.
Abdullah
Ahmed
Corporate &
investment
Banking
Mr. Syed
Amir
Consumer
finance
Mr. Shoaib
Qureshi
Payment
Services
Mr. Aeshad
Majeed
Support
Operations
Mr. Zia ul
Hassan
Customer
Support
Mr. Raza
Information
Technology
Mr. Faizur
Rehman
Information
Security
Mr. Fahad
Azam
Deputy CEO

16. Haroon (Operational Manager )

17. Meezan bank Products
1) Deposit accounts.
2) Services.
3) Electronic banking.
4) Consumer finance.
5) Business banking

18. 1) Deposit accounts
Current
Account
Saving
Account
Labbaik
saving assan
Business
plus
Teen club
Account

19. Current Account
Saving Account
Labbaik saving assan
 Putting your money in a Riba-free account.
 No restrictions on withdraw .
 Minimum investment required to open an account is Rs. 1000/-
 Riba-free Rupee Saving Account for every customer's need.
 Give monthly returns along with a variety of free packaged.
 Profit will be calculated on daily product basis and paid on monthly basis.
 Save money for your spouse, children, parents and for HAJ AND UMRAH purpose.
 Plan available for six month to twenty years.
 Its non-chequing account and no visa debit card issue account

20. Business Plus
Teen club Account
 Monthly balance of Rs. 100,000/- is maintained in account.
( Free cheque books, VISA Debt Card, SMS alerts, pay order, online banking and internet banking)
 Plus Account can be opened by Individuals and businesses including Sole Proprietorships, Partnerships
and Limited Companies.
 Meezan Teens Club Account is a Mudarabah- based relationship
 You will be the Investor (Rab-ul-Maal).
 Bank will be the Manager (Mudarib).

21. 2) Services
Free takafull
coverage
Meezan
labbaik
Ladies banking
Western union
money
transfer

22. Free takafull coverage
Meezan labbaik
Ladies banking
Western union money transfer
 Bank will provide Accidental Death and Permanent Disability.
 Up to Rs 1 million to all account holders maintaining monthly balance of Rs. 10,000/- or more.
 Labbaik Travel Aasaan is a completely Halal & Riba Free Travel Solution, ideal for you & your family
 First bank in the country to introduce 'Ladies Banking‘.
 Set Shariah principles for our female customers in a comfortable environment.
 Now you can transfer money conveniently and in real-time to Pakistan within minutes.
 Western Union service providers located in over 200 countries worldwide

23. 3) Electronic banking
Visa debit
card
Mobile
banking app
Sms alerts
Interbank
fund transfer
Atm
networks

24. Visa debit card
Mobile banking app
Sms alerts
 With a Meezan Visa Debit Card, you have access to the money in your account.
 There is no interest to pay, no bills & no late fees.
 Now you can check balance of multiple account, View your last 8 transactions,
View details of your transactions, Pay Bills of Utility companies, Mobile
Phones, and Internet Service Providers with Meezan.
 you will receive SMS alert whenever any of the following transactions
occur on your Current or Savings account.

25. Interbank fund transfer
Atm networks
 Meezan Bank offers Inter Bank Funds Transfer (IBFT) facility
 Meezan Bank offers a nation-wide network of ATMs located at its branches.
 Simply you go to the ATM and withdraw cash anywhere, anytime.

26. Rabia ( Market Manager)

27. 4) Consumer finance
Easy home
Car ijarah
1.
2.
 Easy Home is a Shariah-compliant Home Finance facility.
 Meezan Bank is committed to meet our customers’ needs in a truly Shariah-compliant manner
 Provides car financing based on the principles of Ijarah and is free of the
element of interest.

28. 5) Business banking
Islamic agriculture banking
Investment banking
1.
2.
 Meezan Bank is now offering Islamic Agricultural Financing Products to farmers.
 In shot time the Investment Banking department has been able to develop
core expertise in arranging syndicated, structured and Project finance and
providing advice on mergers and acquisitions.

29. Savera (Chief Financial Officer )

30. S
Shareholding structure
 Noor Financial Investment Company, Kuwait
59.11%
 Pakistan Kuwait Investment Company (Pvt.)
Limited 80.00%
 Islamic Development Bank, Jeddah 90.32%

31. 2015 2014
Total income 22,250,138 17,651,189
OTHER EXPENSES
Administrative expenses 13,560,648 10,459,934
Other provisions 59,152 96,288
Other charges 4,067 49,433
Workers Welfare Fund 175,018 147,000
Total other expenses 13,798,885 10,752,655
PROFIT BEFORE TAXATION 8,451,253 6,898,534
Taxation 3,428,744 2,328,448
PROFIT AFTER TAXATION 5,022,509 4,570,086
Earnings per share 5.01 4.56
Profit and Loss Account
For the year ended December 31, 2015

32. Statement of Financial Position 2015 2014
Total ASSETS 531,849,934 437,510,268
Total LIABILITIES
Bills payable 6,560,324 5,619,826
Due to financial institutions 13,609,551 15,465,418
Deposits and other accounts 471,820,959 380,421,569
Deferred tax liabilities 393,121 -
Other liabilities 13,118,869 12,113,125
505,502,824 413,619,938
NET ASSETS 26,347,110 23,890,330
REPRESENTED BY
Share capital 10,027,379 10,027,379
Reserves 8,587,363 7,288,754
Unappropriated profit 6,942,042 5,958,587
25,556,784 23,274,720
Surplus on revaluation of investments - net of tax 790,326 615,610
CONTINGENCIES AND COMMITMENTS 26,347,110 23,890,330

33. 0
1
2
3
4
5
6
Category 1 Category 2 Category 3 Category 4
Series 1
Series 2
Series 3
230
289
380
472
0
50
100
150
200
250
300
350
400
450
500
2012 2013 2014 2015
Deposits
Deposits Ratio

34. 0
1
2
3
4
5
6
Category 1 Category 2 Category 3 Category 4
Series 1
Series 2
Series 3
86
115
159
179
0
20
40
60
80
100
120
140
160
180
200
2012 2013 2014 2015
Corporate Assets
Corporate Assets