2. Dedicated To My
Loving Parents,Friends and Respected
Teachers
Whose love, affection and Prayers have been a
source of inspiration and encouragement for me
6. Introduction
Formerly known as “Askari
Commercial Bank”
Incorporated on October 9, 1991.
Listed on Karachi, Lahore and
Islamabad Stock Exchange.
A network of 226 Branches.
Has 31 dedicated Islamic Branches
7. Introduction con’d
A network Of 4173 Online ATM’s
Has 984,485 banking customers
Has 6,159 employees
With Equity of 14.95 billion
Total Assets 254.33 billion
9. To Be the
bank of
first choice
in the
region
Vision
“To be the
Bank of first
choice in
the region”
10. Mission
Mission
Mission
Vision
“To be the leading Private Sector Bank in Pakistan with an international
presence, delivering quality service through innovative technology and
effective human Resource Management in a modern and progressive
organizational culture of meritocracy, Maintaining high ethical and
Professional standards, while providing enhanced value to all our
Stakeholders, and contributing to society.”
11. Corporate Objectives
Sustained growth and profitability
High performance culture
Customer service oriented culture
Motivated employees
To optimize use of technology
Deliver timely solutions
12. Strategic Planning
Comprehensively plan for future to ensure growth
And profitability
Facilitate alignment of vision and mission with goals
Identify opportunities for profit
Create and leverage strategic assets and capabilities
For competitive advantage
17. Askari Roshan Mustaqbil Account
Term Deposit
5000-50000 Limit
10 Year Tenure
Competitive Profit Rates
18. Askari Deposit Multiplier Account
Term Deposit
50,000-10,000,000 limit
10 year Tenure
Competitive Profit rate
19. Askari Mahana Bachat Account
Term Deposit
50000-10,000,000
1-3 Years Tenure
Competitive Profit rate
20. Corporate and Investment banking con’d
Term Finance
Working Capital Financing
Letter of Credit
Fund Transfers
Bill Discounting
Loan Syndication
Balance Sheet Reconstruction Service
Debt And Equity Financing Options
Through Capital Markets
22. Askari Bank’s Mortgage Finance
Build a Home
Buy a Home
Buy a plot and construct
Renovation
23. Askari Auto Loans
Limit 100,000-3.0 million
Monthly Installments
Competitive Markup Rates
Minimum income :
Salaried 10,000
Self Employed 25,000
Up to 7 years Tenor
36. Introduction
First Women Bank Ltd. is a unique financial
institution, a Scheduled Commercial Bank.
Set up in 1989 by the Islamic world’s first woman
Prime Minister Benazir Bhutto (Shaheed), who
wanted a bank that would meet the banking needs of
women entrepreneurs.
It was incorporated in the Public Sector as a Public
Ltd. Company on21st November, 1989 under the
Companies Ordinance, 1984.
37. “Let the women’s bank be
a pioneer in the
Helping Muslim women
secure economic
Independence and career
satisfaction with
in the Cultural ambiance
and social values
of an Islamic society.”
38. Vision and Mission
Vision
To create value for our stakeholders, and contribute
towards country’s economic development through
main streaming woman by creating enabling
environment as the dynamic agent of change and
prosperity.
39. Mission
Our mission is to be a financially sustainable bank with a specialized
focus on promoting economic prosperity and self-reliance in women of
urban and rural areas by:
Transforming the status of women form passive beneficiaries of
social services to dynamic agents of change
Promoting assets ownership, through its unique credit policies
Promoting entrepreneurs through Computer Literacy and Business
Centers for skill enhancement, product development and business
management
40. Board of Directors
Ms Shafqat Sultna (President/Chairperson FWBL)
Mr. Qamar Hussain (Chairman NBP)
Ms. Batool Qureshi (Secretary Min of Women
Development, Govt. of Pak)
Mr. Atif R. Bukhari (Pesident UBL)
Mr. M. Usman Ali (President MCB)
Mr. Zakir Mehmood (President HBL)
Mr. Khalid A. Sherwani (President ABL)
43. Micro Finance
Ranges from Rs. 5000 to highest credit amount in the
industry, of Rs. 100,000.
Mark-up rates are amongst the lowest.
Thus retaining and elevating micro borrowers to
higher micro-credit ceilings.
Micro Environment
44. Business loans for Women
Pakistani National
Between the age bracket of 25-55 years
Possess 50% equity sharing capacity
46. Analysis
Horizantal Analysis
The horizontal analysis trend
showing bad position of FWBL
because as compared to 2008 and
now in 2012 there in continuous
decrease in the assets of the
company.
Assets increased in 2009 but after
that continuously decreasing. This is
due to the low lending to other
financial institutions as compared to
2008.
There is very much increase in the
liabilities of the FWBL from 2008 to
2012 called to be 62% increase as
compared to 2008. Owner equity is
increased to 82% during that period.
Vertical Analysis
As we have stated before that
total assets level decrease up to
28%. But contribution of all
factors within a year is same not
so much fluctuation.
Mainly investment level of the
bank is decreased that’s
showing great fluctuation but
that is also continuous change.
But in the net owner equity
level has increased with rate to
net assets its contribution is
increased.
47. SWOT Analysis
Strengths
Women friendly
Co-operative staff
Flexibility in Collateral requirement &
installment
No hidden charges
Attractive rate of return
Women Empowerment & focus on women
development
Good reputation in the market
Good quality of services & minimum
process time
Promoting asset ownership
ATM free
Lockers
Online funds transfers
Leading Brand reputation of FWBL –
World’s only bank for women
Weaknesses
Focuses to women’s mainly
Small network
Shortage of staff
Lack of advertisement
Small percentage of Micro
financing
No specialized branches for
SME & Micro credit
Bank’s own training centre
48. Opportunities
Expand branch network
Hiring of specialized staff
Extensive advertisement
Threats
Political instability as FWBL is
a government owned bank
Energy crises
Global Recession
Security Problems
Increased competition in the
market
Prices of products offered by
competitive banks
Changing & New Technologies
49. comparison of First women bank and
Askari bank
First Women Bank
E-Banking
Online Banking
ATM
SBP
Utility bill collection
Askari Bank
E-Banking
Online Banking
ATM
SBP
Utility bill collection
