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LIABILITIES Presented By: Shaikh Faizan Ahmed REG #: 2820
Topics To Be Covered <ul><li>Definition </li></ul><ul><li>Types of liabilities </li></ul><ul><ul><li>Borrowings </li></ul>...
Definition <ul><li>Liability is basically defined as: </li></ul><ul><li>“Amounts owed for items received, services rendere...
Borrowings <ul><li>Definition: </li></ul><ul><li>“It is an agreement to borrow a principal sum for a fixed period of time,...
Deposits & Other Accounts <ul><li>Definition: </li></ul><ul><li>“Its an   account at a banking institution that allows mon...
Current Account / Foreign & Local Banks <ul><li>Citibank </li></ul><ul><li>Rupee Current Account </li></ul><ul><li>Foreign...
Current Account Features & Benefits <ul><li>Citibank </li></ul><ul><li>Minimum Balance Requirement: Rs 100,000 (Local) & $...
Fixed Account / Foreign & Local Banks <ul><li>Citibank </li></ul><ul><li>Foreign Currency Term Deposit   </li></ul><ul><li...
Fixed Account Features & Benefits <ul><li>Citibank </li></ul><ul><li>Account offered in 3 currencies, USD (US dollar), EUR...
Fixed Account Features & Benefits <ul><li>Standard Chartered </li></ul><ul><li>Minimum Balance: Rs.50,000 (Local) </li></u...
Fixed Account Features & Benefits HBL <ul><li>7 days or 30 days (and over) notice  </li></ul><ul><li>Minimum deposit of Rs...
Saving Account / Foreign & Local Banks <ul><li>Citibank </li></ul><ul><li>Foreign Currency Savings Account </li></ul><ul><...
Saving Account Features & Benefits <ul><li>Citibank </li></ul><ul><li>Account offered in 3 currencies, USD (US dollar), EU...
Saving Account Features & Benefits HBL   Greater than Rs. 20,000 earns 1% profit • Less than Rs. 20,000 earns 0.10% profit...
Saving Account Features & Benefits <ul><li>UBL </li></ul><ul><li>Account offered in 3 currencies, USD (US dollar), EUR (Eu...
Subordinated Loans <ul><li>Definition: </li></ul><ul><li>“Debt which ranks after other debts” </li></ul>
Liabilities Against Assets Subject To Finance Lease <ul><li>Definition: </li></ul><ul><li>“Lease rentals to be paid by ban...
Deferred Tax Liabilities <ul><li>Definition: </li></ul><ul><li>“Tax deferral refers to instances where a taxpayer can dela...
Other Liabilities <ul><li>Some of them are: </li></ul><ul><ul><ul><li>Interest Payable </li></ul></ul></ul><ul><ul><ul><li...
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Bank's Liabilities (Comparison of UBL, HBL, Standard Chartered Bank and Citibank)

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Bank's Liabilities (Comparison of UBL, HBL, Standard Chartered Bank and Citibank)

  1. 2. LIABILITIES Presented By: Shaikh Faizan Ahmed REG #: 2820
  2. 3. Topics To Be Covered <ul><li>Definition </li></ul><ul><li>Types of liabilities </li></ul><ul><ul><li>Borrowings </li></ul></ul><ul><ul><li>Deposits & other accounts </li></ul></ul><ul><ul><li>Subordinated loans </li></ul></ul><ul><ul><li>Liabilities against assets subjected to finance lease </li></ul></ul><ul><ul><li>Deferred tax liabilities </li></ul></ul><ul><ul><li>Other liabilities </li></ul></ul>
  3. 4. Definition <ul><li>Liability is basically defined as: </li></ul><ul><li>“Amounts owed for items received, services rendered, expenses incurred, assets acquired, construction performed, and amounts received but not as yet earned” </li></ul>
  4. 5. Borrowings <ul><li>Definition: </li></ul><ul><li>“It is an agreement to borrow a principal sum for a fixed period of time, to be repaid by a certain date (with or without interest)” </li></ul><ul><ul><ul><li>Secured </li></ul></ul></ul><ul><ul><ul><li>Unsecured </li></ul></ul></ul>
  5. 6. Deposits & Other Accounts <ul><li>Definition: </li></ul><ul><li>“Its an account at a banking institution that allows money to be deposited and withdrawn by the account holder” </li></ul><ul><ul><ul><li>Fixed Accounts </li></ul></ul></ul><ul><ul><ul><li>Saving Accounts </li></ul></ul></ul><ul><ul><ul><li>Current Accounts </li></ul></ul></ul>
  6. 7. Current Account / Foreign & Local Banks <ul><li>Citibank </li></ul><ul><li>Rupee Current Account </li></ul><ul><li>Foreign Currency Account </li></ul><ul><li>Standard Chartered </li></ul><ul><li>Basic Banking Account </li></ul><ul><li>Rupee Current Account </li></ul><ul><li>Foreign Currency Account </li></ul><ul><li>Business Account </li></ul><ul><li>Flex Accounts </li></ul><ul><li>Sahulat Online Account </li></ul><ul><li>UBL </li></ul><ul><li>Business Partner </li></ul><ul><li>Rupee Transactional Account </li></ul><ul><li>Basic Banking Account </li></ul><ul><li>HBL </li></ul><ul><li>Current Account </li></ul><ul><li>Basic Banking Account </li></ul>
  7. 8. Current Account Features & Benefits <ul><li>Citibank </li></ul><ul><li>Minimum Balance Requirement: Rs 100,000 (Local) & $10,000 or equivalent (Foreign) </li></ul><ul><li>Credit & ATM Card </li></ul><ul><li>3. Phone Banking </li></ul><ul><li>Standard Chartered </li></ul><ul><li>Minimum Balance Requirement: $10,000 or equivalent (Foreign) & Local are: a) Rs. 50,000 for Sahulat Online Account b) Rs.5,000 for Rupee Current Account c) Rs.100,000 for Business Account d) Rs. 0 for Flex Account </li></ul><ul><li>ATM cum VISA & Debt Card </li></ul><ul><li>Internet & Phone Banking </li></ul><ul><li>UBL </li></ul><ul><li>Minimum Balance Requirement: $10,000 or equivalent (Foreign) & Local are: a) Rs. 250,000 for Business Partner Account b) Rs.1,000 for Basic Banking Account c) Rs. 0 for Rupee Transactional Account </li></ul><ul><li>Internet Banking </li></ul><ul><li>ATM, Debit & Credit Card </li></ul><ul><li>HBL </li></ul><ul><li>Minimum Balance Requirement: $10,000 </li></ul><ul><li>or equivalent (Foreign) & Local are: </li></ul><ul><li>a) Rs. 10,000 Current Account </li></ul><ul><li>b) Rs. 0 for Basic Banking Account </li></ul><ul><li>z </li></ul><ul><li>2. Internet Banking </li></ul><ul><li>z </li></ul><ul><li>3. ATM, Debit & Credit Card </li></ul>
  8. 9. Fixed Account / Foreign & Local Banks <ul><li>Citibank </li></ul><ul><li>Foreign Currency Term Deposit </li></ul><ul><li>Premium Profit Account </li></ul><ul><li>Standard Chartered </li></ul><ul><li>Rupee Term Deposits </li></ul><ul><li>UBL </li></ul><ul><li>Foreign Currency Term Deposit Receipt </li></ul><ul><li>Regular Term Deposit Receipt </li></ul><ul><li>HBL </li></ul><ul><li>High Yield Foreign Currency Fixed Deposit </li></ul><ul><li>Term Deposit Receipts </li></ul>
  9. 10. Fixed Account Features & Benefits <ul><li>Citibank </li></ul><ul><li>Account offered in 3 currencies, USD (US dollar), EUR (Euros) and GBP (UK pound) </li></ul><ul><li>Minimum Balance: Rs 50,000 (Local) & $5,000 or equivalent (Foreign) </li></ul><ul><li>Tenors of months, 1, 3, 6, 9, 12, 18, 24, 3yrs, 4yrs, 5yrs </li></ul><ul><li>Loan financing against your deposits at market competitive rates </li></ul><ul><li>Premature Encashment Cost/Charge: </li></ul><ul><li>z </li></ul><ul><li>a) For local currency time deposit: </li></ul><ul><li>z - For Term deposit having a tenure equal to or less than one year: z </li></ul><ul><li>Zero or KIBOR (offer side) whichever is higher, on the date of early termination minus the Applicable Rate whichever is higher. The applicable KIBOR* will be that of the remaining tenure (nearest quoted tenure) on the date of such early termination. z </li></ul><ul><li>- For Term deposits having a tenure greater than one year: z Zero or PKRV** plus 1% p.a.; whichever is higher on the date of early termination minus the Applicable Rate whichever is higher. The applicable PKRV** plus1% p.a. will be that of the remaining tenure (nearest quoted tenure) on the date of such early termination. b) For foreign currency time deposit: z - Zero or CBBUX*** (Offer side) whichever is higher, on the date of early termination minus the Applicable Rate whichever in higher. The applicable CBBUX*** will be that of the remaining tenure (nearest quoted tenure) on the date of such early termination. z The premature encashment cost/charge will be recovered from the accrued profit and/or principle amount of the deposit incase the accrued profit is less than the premature encashment charge. </li></ul>
  10. 11. Fixed Account Features & Benefits <ul><li>Standard Chartered </li></ul><ul><li>Minimum Balance: Rs.50,000 (Local) </li></ul><ul><li>Tenor ranges from 7 days to 5yrs </li></ul><ul><li>Choice of monthly, quarterly, semi-annual, or annual profit payments </li></ul><ul><li>Automatic renewal of deposit </li></ul><ul><li>Free 24-hour Phone Banking </li></ul><ul><li>Overdraft facility </li></ul><ul><li>UBL </li></ul><ul><li>Account offered in 3 currencies, USD (US dollar), EUR (Euros) and GBP (UK pound) </li></ul><ul><li>Minimum Balance: Rs.50,000 (Local) & $ 500,000 (Foreign) </li></ul><ul><li>Tenors of months, 1, 3 (foreign) , 6 (foreign), 9, 12 (foreign), 18, 24, 3yrs, 4yrs, 5yrs </li></ul><ul><li>Profit is credited to the account every six months </li></ul><ul><li>Automatic renewal of deposit </li></ul><ul><li>Zakat exempted </li></ul><ul><li>Can withdraw funds in either foreign currency or in Pakistan Rupees </li></ul>
  11. 12. Fixed Account Features & Benefits HBL <ul><li>7 days or 30 days (and over) notice </li></ul><ul><li>Minimum deposit of Rs. 10,000 </li></ul><ul><li>Balances less than Rs. 1 million </li></ul><ul><li>Balances equal to and greater than Rs. 1 million </li></ul><ul><li>Returns range from 0.75% to 4% depending on notice period and amount </li></ul>Special Notice Time Deposit <ul><li>3 month term deposit </li></ul><ul><li>Minimum balance of Rs. 10 million </li></ul><ul><li>Returns range from 0.75% to 2.25% </li></ul>F.I. – Term Deposit Receipts <ul><li>Available in 3 month, 6 month, 1 year, 3 year, 5 </li></ul><ul><li>year and 10 year terms </li></ul><ul><li>Profit disbursement (except for 3 & 6 month </li></ul><ul><li>terms) is monthly, quarterly, bi-annually and on </li></ul><ul><li>maturity </li></ul><ul><li>Returns range from 6.15% to 14% </li></ul>Munafa Plus Deposit (Certificates) <ul><li>Minimum investment of Rs. 20 million </li></ul><ul><li>except in the case of 1 month where </li></ul><ul><li>minimum investment is Rs. 100 million </li></ul><ul><li>Available in 1 month, 3 month, 6 month, </li></ul><ul><li>12 month and 3 year terms </li></ul><ul><li>Profit paid on maturity </li></ul><ul><li>Rates on IPD are conveyed on a daily </li></ul><ul><li>basis by the Treasury Division </li></ul>IPDC <ul><li>Available in 1 year, 3 year and 5 year certificates </li></ul><ul><li>Profit disbursement is monthly, quarterly, bi annually, </li></ul><ul><li>annually and on maturity </li></ul><ul><li>Returns range from 7.8% to 11% </li></ul>Remittance Munafa Plus Deposit (Certificates)
  12. 13. Saving Account / Foreign & Local Banks <ul><li>Citibank </li></ul><ul><li>Foreign Currency Savings Account </li></ul><ul><li>Premium FCY Savings Account </li></ul><ul><li>Citibank Rupee Savings Account </li></ul><ul><li>Rupee Citi Ultimate Savings Account </li></ul><ul><li>Standard Chartered </li></ul><ul><li>High Yield Accounts </li></ul><ul><li>Easy Saver </li></ul><ul><li>Munafa Max </li></ul><ul><li>Supersave Accounts </li></ul><ul><li>Mahana Izaafa </li></ul><ul><li>UBL </li></ul><ul><li>Foreign Currency Savings </li></ul><ul><li>Special Notice Deposit Receipts </li></ul><ul><li>Profit COD </li></ul><ul><li>UniFlex Account </li></ul><ul><li>UniSaver Account </li></ul><ul><li>HBL </li></ul><ul><li>Savings Account </li></ul><ul><li>Value Account </li></ul><ul><li>Super Value Account </li></ul><ul><li>Munafa Plus Saving Account </li></ul><ul><li>Special Saving Bank Deposit </li></ul><ul><li>Daily Munafa Plus Deposit Account </li></ul>
  13. 14. Saving Account Features & Benefits <ul><li>Citibank </li></ul><ul><li>Account offered in 3 currencies, USD (US dollar), EUR (Euros) and GBP (UK pound) </li></ul><ul><li>Minimum Balance: Rs.100,000 (Local) & $ 5,000 (Foreign) </li></ul><ul><li>Tenors of months: 1 (foreign) , 3 (foreign) , 6 (foreign), 9, 12 (foreign), 18, 24, 3yrs, 4yrs, 5yrs </li></ul><ul><li>Profit is credited to the account per annum </li></ul><ul><li>(Local) Profit is calculated on the monthly average balance & daily balance and credited monthly. </li></ul><ul><li>(Local) Funds can be withdrawn anytime without any notice. </li></ul><ul><li>(Local) Pay orders, demand drafts etc can be made through </li></ul><ul><li>(Foreign) Withdraw US dollars via Citibank ATMs </li></ul><ul><li>Standard Chartered </li></ul><ul><li>Minimum Balance: Rs.25,000 – Rs. 500,000 (Local) </li></ul><ul><li>Tenors of months: 3 , 6 , 12 </li></ul><ul><li>Profit calculated on daily balances </li></ul><ul><li>Profit paid monthly </li></ul>
  14. 15. Saving Account Features & Benefits HBL   Greater than Rs. 20,000 earns 1% profit • Less than Rs. 20,000 earns 0.10% profit • Minimum average balance of Rs. 10,000 • Profit paid bi-annually • PLS – Savings Account HBL Value Account   Flexibility of withdrawals • Deposit ranges from Rs. 10,000 to Rs. 100,000 • Profit credited every 3 months • 7% profit per annum • HBL Super Value Account   Flexibility of withdrawals • Deposit ranges from Rs. 100,000 to Rs. 500,00 • Profit credited every 3 months • 7.25% profit per annum • Remittance Munafa Plus Saving Account   Rs. 1 million and above earns 5% profit • Less than Rs. 20,000 earns 0.10% profit • Minimum average balance of Rs. 10,000 • Monthly profit • Tiered • Daily Basis Product • Remittance Based (no credit allowed except remittance) • PLS - Special Saving Bank Deposit Scheme   Returns up to 8% • Minimum balance of Rs. 20,000 • Monthly profit • Tiered • Daily Basis Product • PLS - Daily Munafa Plus Deposit Account   Returns up to 8% • Minimum balance of Rs. 50,000 • Monthly profit • Tiered • Daily Basis Product •
  15. 16. Saving Account Features & Benefits <ul><li>UBL </li></ul><ul><li>Account offered in 3 currencies, USD (US dollar), EUR (Euros) and GBP (UK pound) </li></ul><ul><li>Minimum Balance: Rs. 0-50,000 , 50,001-100,000 , 100,001-150,000, 150,001-200,000 (Local) & $ 5,000 (Foreign) </li></ul><ul><li>Tenors of months: 7 days , 1 , 3 , 6, 9, 12, 18, 24, 3yrs, 4yrs, 5yrs, 6yrs, 7yrs, 8yrs </li></ul><ul><li>Profit is credited to the account on monthly, half yearly and yearly basis </li></ul><ul><li>VISA , ATM & Debt Card </li></ul><ul><li>90% financing against the deposit </li></ul><ul><li>Zakat exempted </li></ul><ul><li>Disability insurance </li></ul>
  16. 17. Subordinated Loans <ul><li>Definition: </li></ul><ul><li>“Debt which ranks after other debts” </li></ul>
  17. 18. Liabilities Against Assets Subject To Finance Lease <ul><li>Definition: </li></ul><ul><li>“Lease rentals to be paid by bank to leasing companies for the assets leased” </li></ul>
  18. 19. Deferred Tax Liabilities <ul><li>Definition: </li></ul><ul><li>“Tax deferral refers to instances where a taxpayer can delay paying taxes to some future period” </li></ul>
  19. 20. Other Liabilities <ul><li>Some of them are: </li></ul><ul><ul><ul><li>Interest Payable </li></ul></ul></ul><ul><ul><ul><li>Unclaimed Dividends, etc </li></ul></ul></ul>

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