it is for the detail products of bank And suitable for all students of commerce . we want to upload it for the help for students of PUGC and for all

2. PRESENTERS
 RAFIA ILYAS
 MAHEEN TARIQ
 ZAINAB ASIF
 ANAM NASEER
 AYESHA DAR

6. INWARD CLEARING
 Cheques issued by our branch’s account
 holders to others who are maintaining their
 accounts in some other banks/branch .

8. OUTWARD CLEARING
 It includes those cheque and other instruments
 which are sent by the bank to the banks for
 payment on behalf of its own clients.
 Cheque are sent to clearing house through local
 main branch

11.  So, if
 Outward Clearing > Inward clearing = Favorable
 Outward Clearing < Inward Clearing = Unfavorable

14. CROSSING STAMPS

15. CLEARING STAMPS

17. ASKARI WAQAAR ACCOUNT
 Askari Waqaar Account has been developed for senior
citizens, enabling them to carry out their banking
transactions and also to avail investment
opportunities.
 High returns
 Offered in Savings/Term Deposit categories
 Profit paid on monthly basis
 Free first debit card
 Free first cheque book

18. Features Savings Term Deposit
Tenure – 1 year
Minimum Age to qualify 55 years 55 years
Profit Calculation Monthly Average Balance –
Profit Payment frequency Monthly Monthly
Debit Card & Cheque Book Free for the first time (subsequent
annual and replacement charges
will apply)
Free for the first time – for linked
account (subsequent annual and
replacement charges will apply)
Currency PKR PKR

19. ASKARI BACHAT ACCOUNT
 Askari Bachat Account is a Term Deposit designed for
individual customer with investment appetite. It offers
customers the option of investing for 1 Year and has
been designed keeping in view the savings needs of
customers who want profit on a monthly basis.

20. Features Individuals
Eligibility: Pakistani Resident (individual only)
Balance Requirement: Minimum balance of Rs. 50,000/- with no upper limit
Tenure: 1 year 2 years
Profit Payment: Monthly 1st of every month
Expected Rate of Return: 4.75% per annum 5.35% per annum
Servicing: Available at all Askari Bank branches
Free Facilities: – Visa Debit Card (For CASA account)
•No issuance fee
•SMS alerts on ATM cash withdrawal and Internet Banking transaction
– Insurance Coverage

21. ASKARI ASAAN ACCOUNT
 The AAA is accessible to unbanked/under banked
individuals.
 No limitation to skilled/unskilled workforce, farmers,
laborers/daily wagers, women/housewives, self-
employed individuals, pensioners, young adults etc.

22. P&L ACCOUNT
 1. Profit and Loss Sharing (PLS) Savings Account
 Profit is payable on monthly average credit balance
held in the account.

23. ELIGIBILITY
 Individual(either singly or jointly)
 sole proprietor
 Partnership firm
 Public and Private co
 Clubs , NGOS etc

24. SPECIAL DEPOSIT ACCOUNT
ASDA is well suited to the requirements of customers
who require undertaking frequent deposit and
withdrawal transactions in their accounts.

25. ELIGIBILITY
 ASDA can be opened by individuals (either singly or
jointly), proprietorship concerns, partnership firms,
public and private limited companies (including
guarantee limited & single member companies),
government organizations, corporations, clubs,
societies, associations, NGOs/NPOs/charitable
organizations etc.

26. FEATURES
 Minimum account opening balance of Rs.50,000
 No minimum balance maintenance requirement
 Profit calculated on the average monthly balance of
the account
 Profit payments are subject to deduction of
withholding tax as per government rules

27. TDR
 . Term Deposit Receipt (TDR)
 TDRs are placed for a pre-specified fixed term and are mainly
distinguished on the basis of their tenor, profit payment
frequency, and applicable rate of return.
 Askari Bank presently offers TDRs for the following tenors:
 1 month
 2 month
 3 month
 6 month
 1 year
 2 year
 3 year
 5 year

28. ELIGIBILITY
 Individual(either singly or jointly)
 sole proprietor
 Partnership firm
 Public and Private co
 Clubs , NGOS etc

29. FEATURES
 Profit on TDRs is paid on completion of its prescribed
term or pre-determined profit payments frequently
 The rate of profit applicable after the end of each half-
year, ending on June 30 and December 31
 Zakat & Ushr Ordinance of 1980
 Tax deducted

30. PERSONAL FINANCE
Loan amount
 Minimum limit Rs.50,000
 Maximum limit Rs.500,000
Tenure
 1 to 5 years
Age
 21 to 60 years
 Charges
 As per Schedule bank

31. MARK UP
Segment Annual Mark-up
Armed Forces: 12 months Kibor + 1.5%
(upto 3 years)
12 months Kibor + 2%
(more than 3 years)
Branch Customers
(Salaried):
22%
Branch Customers
(SEB/SEP):
26%
Non Branch
Customers (Salaried):
24%
Non Branch
Customers (SEB/SEP):
28%