7 p's of marketing mix in service marketing of MCB bank in Pakistan.

1. MCB Bank

2.  History
 Introduction
 Brand Elements
 7 P’s of marketing mix
 Product
 Price
 Place
 Promotion

3.  Physical Evidence
 People
 Process
 Competitors
 Conclusion

4.  MCB Bank Limited was incorporated by the Adamjee Group on July
9, 1947
 After the partition of the Indo-Pak subcontinent, the bank moved
to Dhaka (then the capital of former East Pakistan) from where it
commenced business in August 1948.
 In 1956, the bank transferred its registered office to Karachi, Where
the head office is presently located.
 the bank inherits a 64 years legacy of trust of its customers and the
citizens of Pakistan

5.  In the regime of Zulfiqar Ali Bhutto, government decided to nationalize
the bank so that nation as a whole can benefit from a better use of
resources.
 Consequently, the Muslim Commercial Bank was nationalized under
the Banks (Nationalization) Act, 1974 promulgated on January 1, 1974

7.  This was the first bank to be privatized in 1991 and the bank was purchased
by a consortium of Pakistani corporate groups led by Nishat Group.
 PMLN government led by Nawaz Sharif passed an ordinance in 1991 to
privatize all the commercial banks.
 In the wake of new amendments, 26% shares of MCB were sold .
 Mian Mohammad Mansha is the Chairman of the MCB and has played
instrumental role in its success.

8.  MCB Bank Limited is among the top 5
Banks in Pakistan.
 It has net asset base of PKR 1 trillion (USD
9.9 million).
 The Bank was setup in 1947.
 Later it was privatized in 1991.
 The Bank is listed on Pakistan Stock
Exchange (PSX)
 It is also listed on the London Stock
Exchange for its issue of GDRs in 2006.

10.  MCB Bank Limited is among the
top 5 Banks in Pakistan.
 It has net asset base of PKR 1
trillion (USD 9.9 million).
 The Bank was setup in 1947.
 Later it was privatized in 1991.
 The Bank is listed on Pakistan Stock
Exchange (PSX)
 It is also listed on the London Stock
Exchange for its issue of GDRs in
2006.

11.  MCB Bank Limited has the highest dividend payout ratio.
 It has highest Return on Assets at 2.74% and has maintained
one of the highest spreads for many years in the Industry.
 The Bank also has one of the highest Return on Equity
(24.55%), one of the lowest cost to income ratio (34.21%) and
infection ratio (6.40%) and one of the highest market
capitalization in the equity markets.

12.  MCB Bank recently won “Best Bank in Pakistan 2015” award
from FinanceAsia under Country AwardsAchievement
category.
 It is also the winner of “Most Stable Bank of theYear 2014” by
CFA 12th ExcellenceAwards.
 In 2013 MCB Bank secured the prestigious awards for “Best
Domestic Bank in Pakistan” and “Best Islamic Deal” byThe
AssetTripleA

14.  In 2010,The Asian Banker awarded “The Asian Banker Leadership
Achievement Award” and “Strongest Bank in Pakistan”
 In 2008, it was also declared “Best Bank in Asia” by Euro money.
 MCB Bank has been adjudged “The Best Bank in Pakistan” four
times and “The Best Domestic Bank” once, besides being declared
“The Best Domestic Bank in Pakistan” by Asia Money.

15.  The Bank is compliant with Basel 2 Risk Management Framework
and Anti Money Laundering Policies.
 MCB Bank is actively involved in various CSR activities as well and
constantly strives to contribute towards the country’s betterment.
 It has played a key role in enhancing the role and value of service
and technology in the banking industry through its customer
centric objectives.

17. Brand name:
A name given by the maker to a product or range of products,
especially a trademark.
MCB

18.  Logo:
A symbol or other small design adopted by an organization to
identify its products, uniform, vehicles, etc.

19.  URL: (https://www.mcb.com.pk)
It is an acronym for Uniform Resource Locator and is a reference (an address) to a
resource on the Internet.

20.  Slogan: A short and striking or memorable phrase used in
advertising.

21. M00mal ALI

22.  MCB Current Deposit Product
Menu
 MCB Savings Deposit Product
Menu
 MCB Term Deposit Product
Menu
 MCB Lending Products
 MCB Digital Banking Products
and Services

23. MCB Current Deposit Product Menu
MCB Business Account
MCB Current Life Account
MCB Fun Club-Banking for Kids
Basic Banking Account
Foreign Currency Account

24. MCB Savings Deposit Product Menu:
 PLS Savings Account
 Smart Savings Account
 MCB 365 Savings Gold Account
 MCB Savings Xtra Account
 MCB Salary Club Gold Account
 MCB Fun Club
 Banking for Kids
 Foreign Currency Savings
Account

25. MCBTerm Deposit Product Menu:
 Flexi Deposit Account
 Mahana Profit Account

26. MCB Lending Products
 MCB Car4U
MCB Home Loan
MCB Cash4Cash
MCB Credit Card
MCB Prepaid Card
MCB Student Personal Loan
MCB Personal Loan
MCBWealth Management
MCB Banc assurance
MCB Investment Services

27. MCB Lending Products (Cont.…)
 MCB RupeeTraveler's Cheque
 MCB Lockers
 MCB Burqraftaar Home
Remittance
 MCB Motherland Account
 MCBTransaction Banking
 Online FundTransfer (OFT)
 Tejarat Card
 Sub Cleaning House

28. MCB Digital Banking Products and
Services:
o Branchless Banking-MCB Lite
o MCB E-Commerce
o MCB eGate
o MCBVisa Debit Card
o MCB Mobile
o MCB Internet Banking

29. MCB Digital Banking Products
and Services:
 MCB Call Center
 MCB ATMs
 SMS Alerts
 MCB E-Statement
 Utility Bill Payment Services

30. MCB AGRI Products:
SHADABI PLAN (Agri production
Finance)
 KHUSHALI PLAN (Agri
Development Finance

31. Agriculture Products (Cont.….)
Shadabi Plan:
It covers the agriculture loan products for the
production requirements of farm & non-farm
activities of the farming community.
Financing products under this category are:
 Agriculture Running Finance-Revolving
(ARF-R)
 Agriculture Production Finance (APF)
 Agriculture Production Finance Growers
(APF-G)

32. Agriculture Products (Cont.….)
Khushali Plan:
Cater the credit need of farmer on
long term basis related to both
farm and non-farm sectors.
Products under Khushali plans are:
 Tractor Finance
 Dairy & Meat financing
 Murghbani Financing
 Zari technology Financing

34. Mubashar Hassan

35. Pricing includes:
 Interest rates charged
 Transaction charged
 Mark up pricing
 Charges for cheque books &
ATM
 Commission charges

36. The basic services in banking form a basic product
E.g.: Accepting deposits, granting loans
MCB Interest Rates
Term Deposit Up to 7.27%
Savings Account Up to 7 %
Loans From 22 %
Personal loans From 22 %

37. Credit Card Charges Gold Classic Platinum
Joining Charges Free Free Free
Annual Charges Free Free Free
Chip Maintenance
Charges
1500 p.a 1000 p.a 3000 p.a
Late Payment charges Up to Rs 1000

38. Auto Loan Charges
New car loan and
application processing fee
4500/ Non Refundable
Used and Imported Car
application processing fee
5000/ Non Refundable

39. Remittance charges
For Account Holder
Up to Rs 500000 Up to Rs.250
From Rs 500001 to 1000000 Up to Rs 450
Exceeding 1000000 Up to Rs 700
For Non Account Holder
Up to Rs 200000 Up to Rs 350
Exceeding Rs 200000 Up to Rs 0.15% (Min Charges 350)

40.  MCB has established wide network of branches through which
banking services are delivered.
 Its purpose is to approach the customer at right place at the
least cost.
 Extensive branch network access to large section of people

41. Branch
Network
Domestic
Operations-1217
Multan-33
Overseas
Operations-09
Srilanka-07
Bahrain-01
UAE-02

42. With the advent of technology other points of interact has
been developed such as
 ATM
 Telephone Banking
 Online Banking
 Mobile app.

43. Mobile App ATM

44.  Internet Banking

45.  MCB use following media to
promote their product & service
 Advertising
 Print Media
 Sponsorship

46.  Print Media ad.

47.  Print Media

48.  Print Media

49. CSR

51.  Objective of MCB Bank is to ensure that they have
 Motivated,
 Professional
 Customer-centric employees
who help them to deliver the promise
of being the 'most credible bank' across
the industry.

52. Professionals
Entry Level
Programs
Trainee
Business Officer
Program
Management
Trainee
program
Summer
Internship
Program

53.  Process consists the over all procedure involved in using
the services offered by the bank.
 The process should be customer friendly.
 If the overall process is too complicated than the
customer may not be inclined to use that services.

55. HaseebAhmad

56. Courageous
We take measured risks and stand up for what is right

57.  Responsive
We deliver relevant, timely solutions
for client and customers

58.  International
We value diversity and work as One Bank

59.  Creative
We innovate and adapt, continuously
improving the way we work

60. Trustworthy
We are reliable, open and honest

62.  Advanced 24/7 monitoring
 Email and SMS alerts
 Secure e-statements
Software

63.  No compromise on set targets as they have
fired many employees

64. MCB has a large network of banking system in Pakistan with
more tan 1,130 and 600 ATM machines in all over the Pakistan.
It is the only bank in Pakistan having 405 million database of
trusted customers which any other bank don’t have. It is also
known for the most sound financial institution and lending bank
of Pakistan having a deposit of PKR 462 billion and also the total
assets of 605 billion.