Meezan Bank presentation

1. INTRODUCTION

2. INTRODUCTION
• Meezan Bank is the first and biggest Islamic bank in
Pakistan and one of the quickest growing banks in the
record of the banking sector of the Nation
• biggest branch network in Pakistan having a network of
over 660 branches in over 180 cities across Pakistan
• Registered Office & Head Office (Meezan Bank Limited,
Meezan House, C-25 Estate Avenue, SITE, Karachi)
• Meezan Bank Limited, a publicly listed company And
the share holding structure is

3. Share Holding Structure

4. Highlights
year 2018

5. Highlights
year 2018

6. Vision Statement
• Establish Islamic banking as banking
of first choice...
Analysis on the Vision statement
Meezan Bank vision statement shows that
the company wants to establish the Islamic
banking in whole Pakistan. Be the customer
first choice to choose Meezan Bank for
investment as Islamic rules.

7. Mission Statement
• 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."

8. Analysis on
the Mission
statement
Component of mission statement Yes No
Customer YES
Product or service YES
Markets NO
Technology NO
survival, growth and profitability YES
Philosophy YES
Self concept YES
Concern for public image YES
Concern for employees YES

11. Marketing Mix
The 4P’S of Marketing
• Marketing decisions generally fall into the
following four controllable categories:
• Product
• Price
• Place (distribution)
• Promotion

12. Product & Services

13. Price
• Meezan Bank Limited work according to Islamic Sharaih.
Its transaction are not biased on interest so the profit is
not decided on the products. There is not chargers of
money transfer in MBL.
• charges of ATM cards (i) Meezan Visa Debit Card Annual
Charges Silver Card - Rs.600/- per annum Gold Card -
Rs.1,000/- per annum Platinum Card - Rs.4,000/- per
annum (ii) Meezan MasterCard Titanium Card Annual
Charges Rs.1,500/- per annum.
• SMS Alerts: charge on SMS Alert RS 1000/ per annum
• Lockers: Refundable Small Locker Rent Medium Locker
Rent Large Locker Rent Locker breaking charges Rs.
5,000/- one time Rs. 3,000/- per annum Rs. 4,500/- per
annum Rs. 6,000/- per annum and products from what
amount an account can be opened are decided. # Cheque
books : Rs 10/ per leaf
• Mobile banking every thing is free. Each account has its
on requirements.

14. Place:
• In 2002, with a branch network of only 6 branches in
4 cities MBL were one of the smallest banks in the
country . Today , with a vast network of 660 branches
in 180 cities across Pakistan .Pakistan’s first and
largest Islamic bank, MBL is also the fastest growing
bank in the country. Latest approaches of Meezan
Bank are online banking, internet banking, banking
such as SMS Alerts, ATM network.

15. Promotion
• Meezan Bank Limited Facebook fan page being
amongst the top 3most popular banking fan page in
Pakistan with more than 85000 followers.
• Its website being Pakistan’s 2nd most visited banking
website and the most visited Islamic banking website
in Pakistan.
• Its Twitter following being the largest number of
Twitter followers of any bank in Pakistan.
• Its YouTube channel being the largest and only
dedicated Islamic Banking channel.

16. Financial Analysis

17. Horizontal Analysis of Balance Sheet RUPEE IN MILLION

18. Horizontal Analysis of Profit & loss Account RUPEE IN MILLION

19. Vertical Analysis of Balance sheet RUPEE IN MILLION

20. Vertical Analysis of Profit & Loss RUPEE IN MILLION

21. 23.21
25.49
28.07
32.51
34.5
2014 2015 2016 2017 2018
book value

22. 47 45.75
67.24 67.1
92.39
2014 2015 2016 2017 2018
market value per share

23. 10.31
9.14
12.34
12.07 12.05
2014 2015 2016 2017 2018
price earning ratio

24. 4.56
5.01
5.45 5.56
7.67
2014 2015 2016 2017 2018
earning per share

25. 1.03
0.93
0.83
1.04
2015 2016 2017 2018
return on asset

26. 21.35
20 19.58 19.26
23.77
2014 2015 2016 2017 2018
return on equity

27. 20.71
22.55
24.33
23.27
26.37
2014 2015 2016 2017 2018
profit before tax to gross income

28. 13.72
13.42
15.13
14.33
15.98
2014 2015 2016 2017 2018
profit after tax to gross income

29. 2.02
1.79
2.4
2.08
2.68
2014 2015 2016 2017 2018
price to book value ratio

30. PESTEL ANALYSIS
• P stands for Political pressure on organization.
• E stands for Economical factors
• S stands for the Social pressure by the society
• T stands for Technological factors
• E stands for Environmental pressure
• L stands for Legal pressure of Country

31. Economic Factors:
• Economic of a country analyzed by following
indicators, GDP, GNP, Per capita income, interest
rate, FDI, Inflation rate, and poverty rates back.
Banking sector contributes 5.7% of overall GDP
of Pakistan. GDP of Pakistan increases up to
283.7 US$, GNP increases up to 1078 billion US$,
per capita income increase 5580 US$, inflation
rate decrease to 5% in 2018, interest rate also
decrease to 6%, unemployment rate also
decrease from 6.2% to 5.9% these indicators
shows some how positive economic situation.
But trade deficit increase, net exports are 9.5%
of GDP and net imports are 16.2% of GDP that is
an alarming situation. Similarly total internal and
external lone increases up to 95097 million US$
that is also a threating situation. Overall we can
say economic condition of Pakistan is poor and
this kind of situation is threat for business
specially for a financial institute.

32. Political & legal Factors:
Some laws are follow that are made by state bank of Pakistan.
• THE FINANCIAL INSTITUTIONS (RECOVERY OF FINANCES) ORDINANCE,
2001
• BANKING COMPANIES ORDINANCE 1962 ( AS MODIFIED UP TO 02 APRIL
2011)
• BANKS NATIONALIZATION ACT 1974 (AS MODIFIED UPTO JUNE 30, 2007)
• PAYMENT SYSTEMS AND ELECTRONIC FUND TRANSFER ACT, 2007
• PRUDENTIAL REGULATIONS
• ELECTRONIC TRANSACTIONS ORDINANCE, 2002
• DEPOSIT PROTECTION CORPORATION ACT 2016
• FINANCIAL INSTITUTIONS (SECURED TRANSACTIONS) ACT, 2016
• Political stability is important factor for an organization. Pakistan is
politically unstable country. Political Leaders influence the infrastructure
of any country. In last few decades politically exposed persons took the
loan and they change the policies at the time when they have to return
that loan. This was a big problem for banking sector of Pakistan.

33. Social factor:
• Meezan Bank Limited is an Islamic bank it
operates according to Islamic perspective. It
offers the largest branch network and the widest
range of products to fulfill all financing needs of
individuals and businesses .Because of its Islamic
banking it is becoming an important bank of
society. Pakistan is a Muslim country ,majority of
people is Muslim .People try to live their lives
according to Islam. Meezan Bank Limited is an
first and largest Islamic bank in Pakistan and
operates according Islamic perspective. That’s
why people are now preferring the Meezan Bank
Limited.

34. Technological
• people are shifting towards using mobiles
Internet advancement has changed the
banking sector. Banks provides a multi-
channel services for its customers. All
branches of a bank is interconnected with
one and other .Online banking, internet
banking is providing great services for their
customers. That's why it becomes
necessary for a bank to differentiate its
products from the others. Meezan bank
also use virtual market to attract the
customer. Meezan Bank Limited is a
centralized bank and also providing the
services of ATM,SMS alert, Mobile banking
for the satisfaction of their customers.

35. Environmental
• Banking sector have less concern with
environmental factors. Because the
banking products are not effected to
the environment directly.

36. SWOT Analysis

39. Thank You