Bank Alfalah was launched in 1997 as a public limited company. It was originally named after the sister of the Chairman of Abu Dhabi Group, which privatized and took over the bank. Currently, Bank Alfalah has over 605 branches across Pakistan and internationally. It offers both consumer and corporate financing products, including personal loans, auto loans, home financing, business loans, and agricultural loans.

3.  Muhammad Saad(12)
 Ibad Ahmed Shakeel(11)
 Moeez Khalid(39)
 Iqra Khalid (31)
 Arooj Butt(24)

4.  Bank Alfalah Limited was launched on June 21, 1997 as a
public limited company under the Companies Ordinance
1984.
 The bank commenced its operations on November 1, 1997.
 It is said that the bank was named after the sister 'Falah' of
the Chairman of Abu Dhabi group.
 The roots of the bank go back to the Bank of Credit and
Commerce International (BCCI), which was closed down
due to various allegations.
 In 1997, the bank was privatized and taken over by Abu
Dhabi Group of UAE, with a new identity of Bank Alfalah
Limited.

5. Khalid Mana Saeed Al Otaiba
Director
HH Sheikh Nahayan
Mubarak Al Nahayan (Chairman)
Mr. Nouman Ansari (Director & Ceo)
Abdulla Khalil Al Mutawa
Director

6.  Board of Directors
 Board Strategy and Finance Committee
 Board Risk Management Committee
 Board Compensation Committee
 Board Audit Committee
 Board Human Resources and
Nomination Committee
 Central Management Committee
 Chief Financial Officer
 Auditors

7. BRANCH
MANAGER
OPERATIONS
MANAGER
TRADE
MANAGER
CREDIT MANAGER

8.  Bank Alfalah is the fifth largest Bank in Pakistan with a network of over 605
branches including Conventional, Islamic Banking in more than 200 cities
across Pakistan and Overseas/International branches in Afghanistan,
Bangladesh and Bahrain, with the registered office at B.A.Building,
I.I.Chundrigar, and Karachi.
Sr. No. Location Total No. of Branches
1 Karachi 117
2 Lahore 93
3 Islamabad 32
4 Rawalpindi 34
5 Faisalabad 28
6 Quetta 18
7 Peshawar 15
8 Multan 15
9 Hyderabad 8
10 Gujranwala 9
11 Gujrat 5
12 Sialkot 15
13 Sargodha 5
14 Abbottabad 3
15 Dera Ismail Khan 3

9. Financial Position 2018
Rupees in Million
2017
Rupees in Million
Total Deposits 702,895 644,985
Total Advances 501,636 400,655
Total Investments 277,660 400,733
Total Revenue 10,625 8,367

11. Bank Alfalah deals in two categories for
advancement of Loan:
 Consumer Financing
 Corporate Financing

12. Consumer financing is the category of financing in which
Alfalah provide services of advancement of loans to the
individuals for their personal use.
 Alfalah Personal Loan
 Alfalah Auto Loan
 Alfalah Home Finance
 Alfalah Marriage Loan
 Alfalah Karobar Finance
 Alfalah Credit Cards

13.  Short term loan
 Bank Statement required
 Interest rate is very higher than other loans
 Its interest rate is KIBOR + 20.5% approx.
 Repayment will be in Installments
 Minimum Loan Amount: PKR 50K
 Maximum Loan Amount: PKR 2M
 Minimum Tenure: 1 Year
 Maximum Tenure: 5 Years
 No Security required

14.  Short term loan
 Tenure depends on the vehicle
 If a car is below than 1000cc then its
tenure will be 1 year – 5 years
 If a vehicle is above than 1000cc then its
tenure will be 1 year – 7 years
 For its security a Cheque is required
 Down payment is as per customer’s desire
 Mostly minimum payment is 20% of
equity and maximum 75%
 Interest rate is KIBOR + 4%

15.  There’s a wide range of home finance
solutions available at Bank Alfalah.
 Short and long terms.
 Interest rate is 1 Year KIBOR + 3.5% for
salaried person.
 1 Year KIBOR + 4.5% for Business People.

16. Alfalah Build Your Home
 Financing to construct home
on an empty plot
 Financing of up to 100% of the
construction cost
 Payment tenure option from 3
to 20 years
Alfalah Plot and Build
 Customer can choose his plot
build his home
 Financing up to 70% of the value
of constructed home
 Payment tenure option from 3 to
20 years
Alfalah Home Buyer
 Acquire a home of customer’s
desire.
 Financing of up to 70% of the
value of the property
 Payment tenure options from 3 to
20 years

17.  Short and long terms.
 Interest rate is 1 Year KIBOR + 4% for salaried
person.
 1 Year KIBOR + 5.5% for Business People.

18.  Karobar Finance is to start a new business.
 Short and long terms.
 Interest rate is KIBOR + upto 5.5%.

19.  Bank Alfalah is Market Leader in credit cards
 No fee for issuance of credit card
 No need of bank account in Alfalah.
 Can be swipe 30 million locations of 200
countries
 Salaried Person
 Its credit limit is for salaried person is 3 times more than salary
 Business Person
 Credit limit for business man’s credit card is according to closing
balance of the account and performance of business
Categories:

20. Alfalah Titanium Card
(125,000 – 750,000)
Alfalah Platinum Card
(400,000 – 2 million)
Alfalah Gold Card
(120,000 - 500,000)
Alfalah Classic Card
(25,000 - 120,000)

21. Card Type Large Target
Market
Small Target
Market
Self Employed
Classic 25K 35K 50K Avg Balance
Gold 50K 60K 75K Avg Balance
Titanium 50K 75K 60K Avg Balance
Platinum 100K 150K 150K Avg
Balance

22.  A business loan is a loan specifically
planned for business purposes
 It involves the creation of a debt, which
will be repaid with added interest
 Bank Alfalah is offering different products
regarding business loan

23.  AML (Alfalah Merchant Line)
 AKF (Alfalah Karobar Finance)
 AQF (Alfalah Quick Finance)
 AMF (Alfalah Malkiat Finance)
 AFF (Alfalah Fleet Finance)
 ALF (Alfalah Lease Finance)
 ERP 1 (Export Re-Payment 1)
 ERP 2 (Export Re-Payment 2)

24.  Offers running finance, Letter of Credit and other
import/export related facilities against mortgage of
residential/commercial property
 Short term loan and its tenure is 1 year and after 1 year
this can be renew according to customer desire
 Security of Mortgage or Pledge in urban or commercial
area is required
 Interest rate is KIBOR+ 3.5% - 4%
 Amount ranges is from PKR 0.5M to 20M
 Basically for SME business

25.  Business loan which includes running finance as
main limit and all other import/export related
facilities
 Short term loan
 Interest rate is KIBOR+ 8%
 Business loan against National Saving Certificates,
Prize Bonds & PKR deposit
 Up to 90% financing against security deposit
 The amount of financing under Alfalah Quick
Finance ranges from PKR. 50,000 to PKR. 300M
 Quick and convenient processing
 Third party security acceptable

26.  Financing available for purchase of rented property,
construction on owned plot, purchase of constructed property
and renovation of owned property
 Financing available from PKR 0.5M to PKR 30M.
 Long term loan, minimum and maximum tenure for AMF 1, 2
and 3 shall be 2-15 years
 Loans under AMF 4 shall be repaid within 2-4 years
 Its interest rate is KIBOR+ 4% - 5%

27.  Bank facilitate businesses to buy heavy
transport for the business
 Heavy duty transport includes heavy vehicles
like trucks, containers etc.
 Bank Alfalah is the first bank who is providing
finance for heavy duty transport.
 Short term loan tenure is 3 years – 5 years
 Interest rate is KIBOR+ 4% - 5%
 Business evidence is taken as security by the
bank

28.  Short term loan and its tenure is 3
years to 5 years
 Its nature is like Fleet Finance
 Interest rate is also KIBOR+ 4% - 5%.
 Affordable markup rates
 Quick processing and loan disbursal
 Minimal processing charges

29.  It’s also known as Finance against Packing
Credits.
 To support export business in the economy SBP has provided a
facility to the exporters
 Rates from 6.5% to 8% which is the base rate but sometime rate
set due to exports of the business, but currently it is 6.45%
 Bank Alfalah give such loans to the exporters and then get the
repayment/refinance from SBP.
 They add a spread up to 3% - 4% where client agree
Export Re-Payment

30.  Interest rate KIBOR+ 3% -
5%
 The finance is granted by
the bank to the exporter on
the basis of a Firm Export
Order / Export Letter of
Credit
 Tenure 180 days
 The financing facility can be
availed at pre-shipment
stage
 Avail on the performance of
exports
 Exporters can avail this financing
facility for a period of 180 days
 Facility once availed needs to be
repaid in totality
 Interest rate is 2% - 3% by SBP
ERP 2
Export Re-Payment

33. KEEP CALM
&
Don’t Abuse