The document provides an overview of MCB Bank and its products and services. It discusses MCB's vision, mission, history, network reach, awards, and partnerships. It then describes the various personal, Islamic, and online banking products offered, including deposit accounts, loans, credit cards, and mobile/online services. The document aims to outline MCB's wide range of offerings to serve customers across Pakistan.

1. 4/23/2014

2. BY:
Syeda Umama Iftikhar.
Nazish Syed.
Naveed jan.
4/23/2014

3. 4/23/2014

4. 4/23/2014

5. ‘OUR VISION IS TO BE THE LEADING
FINANCIAL SERVICES
PROVIDER, PARTNERING WITH OUR
CUSTOMERS FOR A MORE
PROSPEROUS AND SECURE FUTURE’.
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6. “OUR MISSION IS TO BECOME THE
PREFFERED PROVIDER OF QUALITY
FINANCIAL SERVIES IN THE COUNTRY
WITH PROFITIBILITY AND
RESPONSIBILITY AND TO BE THE
BEST PLACE TO WORK”.
4/23/2014

7.  MCB founded by ISFANI and ADAM JEE families in
Calcutta on July 9, 1947.
 After partition of the Indo-Pak subcontinent, the bank moved
to Dhaka from where it commenced business in august
1948.
 In 1956, the bank transferred its registered office to
Karachi, where the head office is presently located.
 . In January 1974,MCB was nationalized by Bhutto
government, and in June 1974 premier bank limited got
merged with MCB.
 In April 1991, MCB became Pakistan’s first privatized bank.
And The government of Pakistan gave the management of
the bank to nationalized group, a group of leading
industrialists of the country, known as NISHAT group.
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8.  MCB has a solid foundation of over 56 years in
Pakistan, with a network of over 900 branches, over 750 of
which are Automated Branches, over 222 MCB ATMs in 41
cities nationwide and a network of over 12 banks on the
MNET ATM Switch, which as a combination is considered to
be the core competence of MCB.
 MCB has won the “Best Bank in Pakistan” award 4 times
continuously and other awards, taking initiative in 2001.
 It is one of the leading banks in Pakistan with a deposit
base of PKR. 462 billion (approx.) and total assets of PKR
605 billion (approx.).
 MCB is one of the largest foreign banks in Sri Lanka, has a
strategic foreign partnership with May-bank of Malaysia and
a connection with other foreign countries.
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10. THERE ARE MANY SECTIONS/PORTIONS IN
WHICH MCB HAS DIVIDED ITS PRODUCTS
FOR THE CONVINENCE OF ITS CUSTOMERS,
THOSE ARE:
1. PERSONAL BANKING.
2. ISLAMIC BANKING.
3. ONLINE BANKING.etc
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11. PRODUCTS OFFER IN MCB’s PERSONAL BANKING SECTION ARE:
1. MAHANA KHUSHALI SCHEME
2. KHUSHALI BACHAT ACCOUNT
3. MCB RUPEE TRAVELLER CHEQUE
4. MCB CASH CARD
5. MCB PYARA GHAR
6. MCB SAVING 365
7. HAJJ MUBARIK SCHEME
8. CAPITAL GROWTH CERTIFICATE SCHEME
9. PAK-RUPEE SAVING AND CURRENT ACCOUNT
10. PAK-RUPEE TERM DEPOSIT ACCOUNT
11. MCB MASTER CARD
12. MCB CAR FOR YOU
13. EASY PERSONAL LOANS
14. FOREIGN CURRENCY ACCOUNT
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12.  MINIMUM DEPOSIT AMOUNT IS Rs.1000.
 IT HAS A MATURITY OF 5 YEARS.
 PROFIT OFFERED WILL BE MINIMUM 1% PER MONTH.
 THIS SHEME IS OFFERED TO ENOURAGE THE
POPULATION OF PAKISTAN TO SAVE, BY OFFERING
LOW DEPOSIT AMOUNTS.
 ZAKAT WILL BE DEDUCTED ON YEARLY BASIS.
 AS PER GOVERNMENT DIRECTIONS, TAX ON THE
PROFIT/ RETURN IS TO BE DEDUCTED BY THE BANK
AT THE TIME OF PAYMENT .
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13.  MINIMUM DEPOSIT AMOUNT IS 2,500.
 IT HAS A MATURITY OF 5 YEARS .
 8% PROFIT/ RETURN IS OFFERED TO
ACCOUNT HOLDERS.
 ACCOUNT HOLDERS HAS THE FACILITY TO
PAY UTILITY BILLS THROUGH THEIR
ACCOUNT.
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14.  AVAILABLE IN DENOMINATIONS OF Rs. 1000, Rs.
5000, Rs 10,000.
 VALIDITY IS 10 YEARS FROM THE DATE OT
PURCHASE
 EASILY REFUNDABLE, IN CASE OF LOST OR
THEFT, FULL MONEY BACK GAURANTEE.
 DUE TO SPECIAL PRINTING AND SAFETY
PRECAUTIONS, CHEQUES CANNOT BE DUPLICATED
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15.  CLASSIC CASH CARD IS ISSUED FOR Rs. 5000.
 SILVER CASH CARD IS ISSUED FOR Rs. 10,000.
 THE REMAINING AMOUNT IN ACCOUNT OF MCB CASH
CARD IS REFUNDABLE.
 IF LOST OR STOLEN WILL BE MARKED AS ‘HOT’ ON
THE REQUEST OF OWNER.
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16.  IT FINANCES UPTO Rs.20 MILLION.
 FINANCING TENURE IS FROM 2-2O YEARS.
 PROVIDES LOANS TO PURCHASE, RENOVATE OR
CONSTRUCT HOMES.
 INCOME OR SALARY OF THE PERSON SHOULD BE AT
LEAST 18000.
 MONTHLY INSTALLMENTS, NOT EXCEEDING 50% OF
THE PERSONS INCOME/SALARY.
 THE SERVICE IS PROVIDED TO CUSTOMERS AT THEIR
DOOR-STEP.
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17.  MINIMUM INITIAL AMOUNT IS Rs. 500,000.
 PROFIT IS CALCULATED ON DAILY BASIS, AND IS
PAID SEMI-ANNUALLY.
 IF AMOUNT IS BELOW MINIMUM BALANCE, PROFIT
CALCULATION IS IGNORED.
 HAS NO SUCH MATURITY MENTIONED, A CUSTOMER
CAN SAVE HIS MONEY FOR AS LONG AS HE WANT.
 ZAKAT IS DEDUCTED ON AT THE RATE OF 2.5%.
 THERE IS NO RESTRICTION ON THE NUMBER OF
WITHDRAWALS.
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18.  MONTHLY DEPOSIT OF Rs.1,200 AND Rs.1,800 IN 3
AND 2 YEARS PROGRAME, RESPECTIVELY.
 HAS A DURATION OF 2-3 YEARS.
 IS OFFERED FOR CONVENIENCE OF PERSONS, WITH
LIMITED INCOME , WHO DESIRES TO PERFORM HAJJ.
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19.  MINIMUM AMOUNT OF DEPOSIT IS Rs. 10,000.
 HAS A MATURITY OF 5 YEARS.
 PROFIT CALCULATED IS 2.7% ANNUALLY.
 ONE CAN AVAIL A CREDIT FACILITY UPTO 75% OF THE
TOTAL DEPOSITED VALUE.
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20.  LOW AVERAGE BALANCE IS REQUIRED.[10,000]
 PROFIT UPTO 1.7% IS PAID ON ACCOUNT ON A HALF
YEARLY BASIS.
 CUSTOMERS CAN USE THEIR ACCOUNTS TO PAY
THEIR BILLS 24 HOURS A DAY, 7 DAYS A WEEK .
 CUSTOMER CAN MAKE CASH FREE TRANSACTIONS
BOTH LOCAL & INTERNATIONAL, AT THOUSANDS OF
MERCHANT OUTLETS THROUGH THEIR MCB SMART
CARD.
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21.  MINIMUM DEPOSIT BALANCE IS Rs. 10,000.
 NO PROFIT IS PAID ON CREDIT BALANCES HELD IN
CURRENT ACCOUNTS.
 CUSTOMER’S ALL DEPOSIT’S AND WITHDRAWAL
FROM A CURRENT ACCOUNT TAKES PLACE ONLY AT
THE BRANCH WHERE THE ACCOUNT IS BEING
MAINTAINED.
 THE ACCOUNT HOLDER CAN DRAW SUMS FROM HIS
ACCOUNT BY MEANS OF CHEQUE SUPPLIED TO HIM
BY THE BANK.
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22.  MINIMUM DEPOSIT AMOUNT IS Rs.20,000.
 MATURITY DEPENDS ON AVAIL CHOICE OF
CUSTOMER LIKE 3 MONTHS, 6 MONTHS, 1 YEAR, 2
YEAR – 5 YEARS.
 PROFIT UPTO 1.6%, 2.1%, 2.8%, 3.2%, 5.6% IS PAID
HALF YEARLY.
 CUSTOMER CAN AVAIL A CREDIT FAILITY UPTO 75%
OF THE TOTAL DEPOSITD VALUE.
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23.  AT INTERNATIONAL LEVEL, ITS MEMBER-SHIP FEE IS
Rs. 1,000 AND HAS AN ANNUAL FEE OF Rs. 1,500.
 FOR DOMESTIC LEVEL MEMBER-SHIP FEE IS Rs. 1,000
AND HAS AN ANNUAL FEE OF Rs. 1,000.
 THE CARD HOLDER IS AUTOMATICALLY COVERED
FOR Rs.3.5 MILLION FREE TRAVEL INSURANCE.
4/23/2014

24.  FINANCES UPTO Rs. 25 LACs.
 FINANCING TENURE IS FORM 1-7 YEARS.
 IT PROVIDES OPTION FOR FIRST YEAR INSURANCE
FINANCING.
 THERE IS AN OPTION OF EARLY PAYMENT.
 THERE IS AN OPTION FOR LOCAL AS WELL AS
IMPORTED CARS.
 PROVIDES OPTION FOR FINANCING OR LEASING. etc
 MINIMUM 20 % DOWN PAYMENTS .
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25.  MCB LENDS ANY AMOUNT FROM Rs.30,000 TO
Rs.3,000,000, DEPENDING UPON NET MONTHLY
INCOME OF THE PERSON.
 CUSTOMER CAN CHOOSE TENURE OF 1 TO 3 YEARS
FOR THE REPAYMENT OF THE LOAN.
 EQUAL MONTHLY INSTALLMENTS ARE THERE.
 LOW INTEREST RATES ARE CHARGED.
 NO GAURANTOR / SECURITY IS REQUIRED.
4/23/2014

26. CAN OPEN ACCOUNT IN US DOLLAR, UK POUND
STERLING, OR EURO.
 ACCOUNT OPENING AMOUNT IS $500, OR
EQUIVALENT.
 MINIMUM DEPOSIT AMOUNT IS $ 500 .
 FREE FOREIGN CURRENCY CASH DEPOSIT AND
WITHDRAWAL FACILITY.
 PROFIT IS PAID INTO ACCOUNT IN EVERY SIX
MONTHS TIME PERIOD.
 CASH WITHDRAWAL IN PKR IS EQUIVALENT.
4/23/2014

27. DEPOSIT SCHEMES ARE OFFERED IN MCB’s ISLAMIC
BANKING SECTION.
FOR CUSTOMERS WHO ARE LOOKING FOR DEPOSIT
OPPORTUNITY WHERE THEY CAN PURSE THEIR
FUNDS AND REAP HALAL RETURNS ON
THEM, FOLLOWING PRODUTS ARE OFFERED.
1. AL-MAKHRAJ SAVING ACCOUNT
2. AL-MAKHRAJ IANAT ACCOUNT
3. AL-MAKHRAJ TERM DEPOSIT
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28.  MINIMUM DEPOSIT AMOUNT IS Rs. 10,000.
 PROFIT IS PAID HALF YEARLY.
 ISLAMIC TOOLS ARE USED TO DESIGN THE PRODUCT.
 PERSONALIZED CHEQUE BOOKS ARE PROVIDED.
 PRODUCT CAN BE AVAILED BY INDIVIDUALS, JOINT
ACCOUNT
HOLDERS, COMPANIES, CORPORATES, TRUSTS etc.
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29.  MINIMUM AMOUNT DEPOSITED IS Rs.10,000.
 PROFIT IS PAID HALF YEARLY.
 PRODUCT CAN BE AVAILED BY INDIVIDUALS, JOINT
ACCOUNT
HOLDERS, COMPANIES, CORPORATES, TRUSTS etc.
 PERSONALIZED CHEQUE BOOKS ARE PROVIDED.
 ISLAMIC TOOLS ARE USED TO DESIGN THE PRODUCT.
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30.  MINIMUM DEPOSIT AMOUNT IS Rs. 25,000.
 AVAILABLE TENORS ARE 1, 3, 6 MONTHS AND 1, 2, 3, 5
YEARS.
 PROFIT PAYMENT OPTIONS ARE ALSO AVAILABLE
LIKE MONTHLY , QUATERLY OR AT MATURITY.
 ISLAMIC TOOLS ARE USED TO DESIGN THE
PRODUCT.
 PRODUCT CAN BE AVAILED BY INDIVIDUALS, JOINT
ACCOUNT
HOLDERS, COMPANIES, CORPORATES, TRUSTS etc.
4/23/2014

31. PRODUCTS/SERVICES OFFERED IN MCB’s
ONLINE BANKING SECTION ARE:
1. MCB MOBILE BANKING.
2. MCB SMART CARD.etc
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32. WITH MCB MOBILE BANKING YOU CAN ACCESS YOUR
ACCOUNT THROUGH YOUR ‘GPRS’ ENABLED MOBILE
PHONE AND CAN PERFORM IMPORTANT ACTIONS.
LIKE,
 UTILITY BILL PAYMENT.
 MOBILE POST PAID BILL PAYMENT.
 CAN PURCHASE MOBILE PREPAID VOUCHERS.
 CAN ACCESS ACCOUNT BALANCE
INFORMATION, AND CAN MAINTAIN OTHER ACCOUNT
SETTINGs.
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33.  PURCHASING LIMIT OF CLASSIC GOLD ON LOCAL LEVEL
IS 50,000.
 WITHDRAWEL LIMIT OF CLASSIC GOLD ON LOCAL
LEVEL IS 10,000.
 PURCHASING LIMIT OF CLASSIC GOLD ON
INTERNATIONAL LEVEL IS 100,000.
 WITHDRAWEL LIMIT OF CLASSIC GOLD ON
INTERNATIONAL LEVEL IS 10,000.
 INTEREST CALCULATED ON PERSONS DAY TO DAY
CREDIT CARD TRANSACTIONS.
 IT CAN BE USED FOR BILL PAYMENT, FUNDS
TRANSFER, PURCHASING PURPOSE AND ALSO FOR
INTERNET BANKING.ETC
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34. THE PRODUTS THAT MCB HAS
OFFERED FOR THE CONVINENCE OF
ITS CUSTOMERS, ARE SO FAVOURED
BY THE CUSTOMERS THAT MCB
BECAME ONE OF THE TOP 5 BANKS IN
PAKISTAN.
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