Dubai islamic bank

2. Presented by:
Muhammad Ahsan
Arslan Hassan
Muhammad Awais Nisar

3. Presented to:
Mr. Riaz Ahmad Mian
Hailey College of Banking & Finance

6. INTRODUCTION:
The Dubai Islamic Bank is an Islamic bank in
Dubai, established in 1975. It is the first
Islamic bank to have incorporated the
principles of Islam in all its practices and is
the largest Islamic bank in the UAE.
Wikipedia

7. Dubai Islamic Bank in Pakistan.
1975
Established
UAE
225 Location
175 Branches
50 Branchless
booths
2005
Head office
Karachi
2005 under the
Companies
Ordinance (1984

8. 225 locations (175 Branches and 50 Branchless Booths) in 55
cities across Pakistan.
Chairman
Mr. Junaid Ahmed
Vice Chairman
Mr. Muhammad Saleem
HIERARCHY

9. VISION & MISSION

10. To be the leading Islamic Bank
providing Shari’a compliant
financial services, by creating
value for all stakeholders.
Vision

11. Mission
To provide diversified Shari' a
compliant financial services and
products through the best of
innovation, talent and operational
excellence while ensuring consistent
growth and profitability

12. I. Trust
II. Communication
III. Innovation
IV. Caring
V. One Team, One Goal
Values

13. Products and services
DIBPL provides a wide range of services specifically
designed to assist Pakistani businesses. You can take benefit
from our:
Cash Management Services
Trade Related Services
Investment Banking Services

14. BRANCHLESS BANKING
Dubai Islamic Branchless Banking - The Bank that Comes to you’ is a
revolutionary concept providing our customers at public and
convenient locations, an online, integrated Alternate Service Delivery
Channel to conduct their banking transactions.
Branches Banking Service Menu
The Services menu has been designed keeping in mind our Customer’s
needs. Both Branchless Banking Accounts and Full Service Regular
Branch Banking Customers can utilize Branchless Banking Services.

15. VISA DEBIT CARD
•Introducing The First Islamic Visa Debit Card in Pakistan
•Global Acceptance
•Convenience
•ATM Cash Withdrawal
•Funds Transfer across Accounts
•Balance Inquiry
•Mini Statement

16. Arslan Hassan
For
Dubai Islamic Bank Financing System Analysis

17. DIBP Financing
There are the following types of DIBP financing:-
I. Consumer Financing.
II. Home Financing.
III. Auto Financing.
IV. Business Financing.
V. Consumer Durable Financing.
VI. Personal Financing.

18. HOME FINANCE
 Currently Dubai Islamic Home Finance is offering three product variants:
• Home Purchase.
• Purchase of undivided share (Home Renovation).
• Purchase of undivided share of property from other bank (Balance
Transfer)

19. Auto finance
 Dubai Islamic Auto Finance offers a world class auto
finance facility that enables you to get a car quickly,
conveniently and in a fully Sharia compliant manner.

20. BUSINESS FINANCE
 Dubai Islamic Business Finance offers two product variants:
 • Purchase of undivided share (New to Bank / Fresh)
 • Purchase of undivided share of property from other banks
(Balance Transfer)

21. SMS BANKING
 Alert Services
you will receive an SMS alert on your cell phone for the following:
 Deposit & Withdrawal transactions
 Account Balance (specify a time or an amount to trigger alerts)
 Complaint acknowledgement
 Complaint resolution

22. DEPOSITS
DIBPL offers a variety of depository account types. Meticulously
designed, these accounts give you the optimal blend of liquidity
and profit making potential. And of course, service and
convenience are DIBPL`s hallmarks. Remember, you have round
the clock access to all your accounts at DIBPL through:
I. Our countrywide, ever growing, network of ATM’s.
II. The Dubai Islamic 24/7 Phone Banking Service.
III. The Dubai Islamic Internet Banking Service.

23. Types Of Account
DIBPL
There are the following types of DIBP Accounts:-
I. Fixed Account.
II.Current Account.
III.Saving Account.
IV.Junior Account.

24. Junior Account:-
Dubai Islamic Bank Pakistan Limited, DIBPL is
the first Bank in Pakistan to enable you as a
young person to conduct RIBA-FREE BANKING!
It is a unique opportunity for you to not only
understand the value of saving money from
an early age but to also learn the importance
of Islamic Banking from the beginning of your
banking experience.

25. Branchless Banking
1.Products Features:
2.Cash & Cheque Collection:
3.Utility Bills Payment:
Utility Bills can be paid at our Branchless Banking Booths.

26. Cash Deposits and Withdrawals
1. Branchless Banking Accounts
2. Account-to-Account Fund Transfer
3. Statement of Account
4. Servicing Minors’ Accounts
5. Account Opening
6. Account Inquiry and Complaint Registration
7. Internet and Phone Banking Access

27. Exclusive Services for Branch customers:
Cash Deposit & Withdrawal
Account-to-Account Fund Transfer
Pay order/Demand Draft Delivery
Statement of Account
Cheque Collection
Cheque Book Delivery

28. Dubai Islamic Bank Pakistan Services
Our Services include a move away from the conventional branch banking,
giving customers the ultimate convenience, power & control
DIBPL is proud to:
 Launch first Islamic VISA Debit Card
 Be only Islamic Bank to have SMS Banking
 Have a comprehensive and all-inclusive Internet Banking
 Be the first Islamic Bank to launch Mobile Internet Banking
 Have 24/7, 365 days Phone Banking, ATMs, and CDMs

29. List of utility bill companies to whom you can make payments:
Electricity
KE (Karachi Electric)
IESCO (Islamabad Electric Supply Company)
GEPCO (Gujranwala Electric Supply Company)
PESCO (Peshawar Electric Supply Company)
Telephone
PTCL (Pakistan Telecommunication Company Limited)
PTCL EVO Wireless
Gas
SSGC (Sui Southern Gas Company)
Mobile Postpaid
Pay your postpaid MOBILINK, WARID, UFONE, TELENOR, ZONG bills online.
Mobile Prepaid Top ups
Top-up your prepaid MOBILINK, WARID, UFONE, TELENOR, ZONG, balances.
1.Utility bills Services

30. 2. Lockers:
All lockers at DIBPL are insured as follows:
Size Limit Per Locker
Small Rs. 500,000
Medium Rs. 1,000,000
Large Rs. 1,500,000

31. Muhammad Awais Nisar
Dubai Islamic Bank Financial Analysis
For

32. DIBPL STATEMENT OF FINANCIAL
POSITION AS AT DEC,2015
Assets Note December
2014
December
2015
Cash and Balance 9 1,043,660 1,080,052
Balance with other bank 10 1,756,94 5,29,277
Due to financial institutions 11 2,022,603 1,147,169
Investments 12 1,211,136 1,258,604
Islamic financial related assets 13 588,380 5,840,280
Operating Assets 14 155,523 1,751,032
Other Assets 15 2,060,563 1,484,151
15,204,505 24,552,999

33. LIABILITIES
Bill payable 16 1,433,971 1,250,385
Due to financial institution 17 3,313,472 3,567,342
Liabilities against assets 18 _ _
Loan 19 3,160,270 3,114,976
7,907,713 7,932,703
Net Profit 6,703,208 16,620,296

35. SWOT Analysis
Strength Weakness
• Modern branches and technology
• The first International Islamic bank
In Pakistan with a network Of Over 175
Branches and 50 other Booths.
• Define banking service mean that a
Customer can withdraw and deposit his
Money at any branches in the country.
• The member of the supervisory board
of
DIBPL are internationaly owned schools,
Services on the boards of many Islamic
bank Operating in different country.
• The manager was of the view that the
customer Should come to them and they
don’t need to go to the customer.
• It was observation in the bank the degree
of
Satisfaction of the employee.
• Due to the dissatisfaction of staff and
recession, there is turnover among them.

36. Opportunity
 Fast growth of Islamic
banking in Pakistan
 Public trust and
satisfaction on Islamic
banking
 Innovation in technology
for banking
Threads
 Banking Competition
 Strong competitors
 Less branches in rural
areas

37. PETS ANALYSIS

38. Political
•Politically strong
•Ownership in UAE
Economical
•Economically strong
•Finance Provider
Technological
•Latest technalogy
•Upgrade technalogy
•New innovations
•Internet banking
•Mobile Banking

39. Social
•Caring for community
responsibility to customers, a responsibility to shareholders, a
responsibility to the nation, a responsibility to society, and a responsibility to
create a better world through all that we do. DIB is truly The Bank that Cares
•employees participate in blood donation drive
As part of its ongoing corporate social responsibility activities, Dubai
Islamic Bank (DIB) recently organized a blood donation drive for its employees. In
cooperation with the Dubai Health Authority’s Dubai Blood Donation Center (DBDC),
more than 60 DIB employees volunteered to give blood
•Charity practice
As a leading financial institution working for the development of society
at large, DIB is a unique organization where the best of business and charity practices
come together to contribute to a solid economy and sound society

40. RECOMENDATIONS
1. Open new branches in rural areas
2. Introduce new technalogy
3. Gives training to staff
4. Make innovation in E-Banking
5. Increase booths in shopping malls

41. Conclusion:
• DIBPL is the successful bank on the list of
Islamic bank history in all over the world.
• To be used for Islamic roles in bank for money
deposit and withdraw.
• Such as they most important part for the
marketing among the present them.
• Less branches in Pakistan