Industrial Development Bank of Pakistan (IDBP) was established in 1961 to provide term financing for manufacturing sector investments. [1] It operates 13 branches across Pakistan's provinces and territories. [2] IDBP provides medium and long-term financing for new industrial projects and expansions, and facilitates technology transfers. [3] It is wholly government-owned with a paid up capital of 500 million Pakistani rupees. [4] IDBP offers various loan, deposit, and merchant banking products and services. [5] The document analyzes IDBP's strengths, weaknesses, opportunities, and threats.

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2. Introduction.
 IDBP is one of Pakistan's oldest development
financing institution created with the primary
objective of extending term finance for investment in
the manufacturing sector of the economy.
 IDBP has also become an important component of the
financial sector of Pakistan and is playing an active
role in money and capital market of the country.

3. Date of establishment.
 “IDBP was established in August, 1, 1961.”

4. Head Office .
 3rd Floor State Life Building No.2, Wallace Road,
Off: I.I. Chundrigar Road, Karachi-74000
Phone : +92-21-99213601-10, Fax : +92-21-99213644
Email : idbp@idbp.com.pk

5. Branches Network
The Head Office of Industrial Development Bank of Pakistan is situated at
Karachi, Pakistan. The Bank currently operates with following 13 branches:
In Capital Territory: Islamabad and Rawalpindi branch (part of the province of
Punjab)
In the province of Sindh: Main branch Karachi, Hyderabad and Larkana branch
In the province of Punjab: Faisalabad, Lahore and Multan branch
In the province of Khyber Pakhtunkhwa: Abbottabad and Peshawar branch
In the province of Baluchistan: Quetta branch
In the province of Gilgit/Baltistan: Gilgit branch
In Azad Kashmir: Mirpur Azad Kashmir branch

6. REASON FOR
ESTABLISHMENT/OBJECTIVES.
 The Bank provides medium and long term finance in
local and foreign currencies for the creation of fixed
assets to new industrial projects as well as for
expansion.
 It also facilitates transfer of technologies from
developed countries to industrial enterprises in
Pakistan.

7. Paid up capital.
 IDBP is wholly owned by Government of Pakistan with
total paid up capital 500 Million, 57% of its shares held
by Federal Government, 36% by State Bank of Pakistan
and 7% by Provincial Governments and other Public
sector corporations.

8. Sources of funds.
 1 ) Borrowing from the Federal Government.
 2 ) Borrowing from the state bank of Pakistan.
 3) Re discounting of bills.
 4) Time deposits.
 5) Issue and sale of bonds and debentures.

9. Sort of financing assistant.
 IDBP has the unique distinction of financing the first
ever projects for a diversified list of products like;
 UHT pack milk,
 three wheelers,
 radio/wireless receiving sets,
 marble processing,
 coal mining,
 PVC deep sea fishing etc

10. Functions.
 DEVELOPMENT BANKING BUSINESS
 Provides medium and long term finances
 Provides guarantee, loans.
 COMMERCIAL BANKING BUSINESS
 Deposits
 Remittances
 Bills
 Short term advances
 Guarantees .
 Letter of Credit.
 Foreign exchange accounts.

11.  MERCHANT BANKING BUSINESS
 Underwriting of public issue of shares
 Bridge Financing
 Leasing .
 COLLECTION OF UTILITY BILLS
 Telephone Bills at all branches, and Gas Bills at Branches in Karachi.

12. Products.
 Loans
 Provides guarantee, loans
 Provides short and medium term finances
 Deposits
 Saving Banking Account{4% p.a. (half yearly)}
 Business Deposits Account{4% p.a. (half yearly)}
 Term Deposits{6.5% p.a. (half yearly)}
 Special Deposits (Scheme Abolished) {6% p.a. (monthly)}
 Besh Baha Munafa Certificates (Scheme Abolished) {6% on maturity}
 TALIMI Certificates (Scheme Abolished) {5% on maturity}

13. SWOT Analysis
 Strength
 Large number of potential customers is base
 Government support by way of tax
 Volatility of bank interest rate
 Better scope for accessing market information
 Offer variety of products to the investors
 Weakness
 Poor participation of retail investors
 Lack of focus
 Under performance
 Poor service conditions

14.  Opportunities
 Huge untapped market in other big cities
 High level of saving habits among the people
 Liberalized business environment
 Using online mode of trading systems
 Threats
 Increasing the competition among the players
 High level of volatility in the stock market

15. Conclusion
The new focus of bank is to shift operational emphasis to commercial banking
operations.
Emphasis is also being laid on providing export finance and meeting the sunning
financial needs of the existing industrial projects. The financial health of IDBP is not
satisfactory at present it is facing serious problems of non-payment of loans. This has
adversely affected the profitability and liquidity.