we conducted this research for our course Analysis of Pakistani Industry. this research was conducted to find out growth and performance of banking sector of Pakistan.
Business Project Report on Nishat Textile Mills PakistanMuhammad Shahid
This is a complete Business Project Report of the Nishat Textile Mills Pakistan including Organization Introduction, Industry Introduction, Industry Analysis, Market Analysis, Pest Analysis, Environmental Analysis, SWOT Analysis.
Performance evaluation of life insurance companies of BangladeshFara Ul Fath Shawron
Insurance is deemed as an unsought product which consumers actively do not show interest in
buying. Either they are forced to buy the product (in case of vehicles
insurance) or they are to be educated about the importance and advantages of buying it.
Bangladesh, being a third world country, has a very low rate of insurance due to being unaware
about the importance of it. Bangladesh is the most under insured country in the non-life insurance
category, standing to lose as much as 0.8 percent of GDP from natural disasters a year, said Lloyd's
of London, one of the leading insurance market places in the world. To shed a bit
more light into it, Bangladesh had the largest insurance gap among the 43 countries covered in
the report standing at 5.5 Billion USD or in other words, only 2.1% of the total GDP. Per head
insurance premium is only $8 which just states that it is safe to say that maximum people in
Bangladesh don’t possess any kind of insurance. So, the operation of insurance companies in
Bangladesh is a bit critical and tougher because they also have to make people aware about
insurance.
This is the report of HASCOL PETROLEUM'S PAKISTAN LTD ratios. It contains analysis of 3 years from 2011 to 2013. Hope this will benefit you in your finance studies and project.
we conducted this research for our course Analysis of Pakistani Industry. this research was conducted to find out growth and performance of banking sector of Pakistan.
Business Project Report on Nishat Textile Mills PakistanMuhammad Shahid
This is a complete Business Project Report of the Nishat Textile Mills Pakistan including Organization Introduction, Industry Introduction, Industry Analysis, Market Analysis, Pest Analysis, Environmental Analysis, SWOT Analysis.
Performance evaluation of life insurance companies of BangladeshFara Ul Fath Shawron
Insurance is deemed as an unsought product which consumers actively do not show interest in
buying. Either they are forced to buy the product (in case of vehicles
insurance) or they are to be educated about the importance and advantages of buying it.
Bangladesh, being a third world country, has a very low rate of insurance due to being unaware
about the importance of it. Bangladesh is the most under insured country in the non-life insurance
category, standing to lose as much as 0.8 percent of GDP from natural disasters a year, said Lloyd's
of London, one of the leading insurance market places in the world. To shed a bit
more light into it, Bangladesh had the largest insurance gap among the 43 countries covered in
the report standing at 5.5 Billion USD or in other words, only 2.1% of the total GDP. Per head
insurance premium is only $8 which just states that it is safe to say that maximum people in
Bangladesh don’t possess any kind of insurance. So, the operation of insurance companies in
Bangladesh is a bit critical and tougher because they also have to make people aware about
insurance.
This is the report of HASCOL PETROLEUM'S PAKISTAN LTD ratios. It contains analysis of 3 years from 2011 to 2013. Hope this will benefit you in your finance studies and project.
Reflections on a decade of evaluation of micro finance-Ranjani.K.MurthyRanjani K.Murthy
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- highlights the centrality of power in evaluations; and
- argues the need for shifting from sectoral projects to changing social institutions from a gender and equity lens and evaluating institutional change
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Certified Quality Professional with specialization in Healthcare (CQPH)course is an excellent professional program on 'Quality Management' brought out by ‘Quality Professionals Group (QPG)’ through distance learning mode. It provides you with a flexibility to study at your own place, at your own pace and still be able to learn about the subject and acquire additional qualifications.
The successful completion of this program shall result into a certificate issued by QPG under approval and accreditation from The CPD Standards Office, UK as a 'Certified Quality Professional'
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Our excessive use of social media is negatively impacting many aspects of our social lives, including friendships, relationships and overall life experiences. Here's how.
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Price elasticity of supply measures the responsiveness to the supply of a good or service after a change in its market price. According to basic economic theory, the supply of a good will increase when its price rises. Conversely, the supply of a good will decrease when its price decreases.
Technology presents new opportunities for businesses to market their product and services.
The internet allows businesses to gather information about customer purchasing habits.
The internet has facilitated the widespread use of online purchasing.
Definition of PED
Calculation of PED
Determinants of PED
PED and total spending on a product/revenue
Significance of PED
https://courses.lumenlearning.com/boundless-economics/chapter/price-elasticity-of-demand/#:~:text=The%20price%20elasticity%20of%20demand%20(PED)%20is%20calculated%20by%20dividing,the%20percentage%20change%20in%20price.
https://www.economicshelp.org/blog/195/economics/calculating-price-elasticity-of-demand/
https://www.tutor2u.net/business/reference/price-elasticity-of-demand
This refers to the channels of distribution that are selected. That is, what method of getting the product to the market and to the customer is to be used? Will the manufacturer sell its product to shops that sell to the public, or to wholesalers, or direct to the customers?
Price: The Price at which the product is sold to the customer is a key part of the marketing mix. A comparison must be made with the prices of competitors product.
The product life cycle describes the stages a product will pass through from its introduction, through its growth until it is mature, and then finally its decline.
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Delivering Micro-Credentials in Technical and Vocational Education and TrainingAG2 Design
Explore how micro-credentials are transforming Technical and Vocational Education and Training (TVET) with this comprehensive slide deck. Discover what micro-credentials are, their importance in TVET, the advantages they offer, and the insights from industry experts. Additionally, learn about the top software applications available for creating and managing micro-credentials. This presentation also includes valuable resources and a discussion on the future of these specialised certifications.
For more detailed information on delivering micro-credentials in TVET, visit this https://tvettrainer.com/delivering-micro-credentials-in-tvet/
Biological screening of herbal drugs: Introduction and Need for
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for Anti-inflammatory, Antiulcer, Anticancer, Wound healing, Antidiabetic, Hepatoprotective, Cardio protective, Diuretics and
Antifertility, Toxicity studies as per OECD guidelines
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This slide is special for master students (MIBS & MIFB) in UUM. Also useful for readers who are interested in the topic of contemporary Islamic banking.
3. HISTORY:
• Tameer Bank launched its operations in 2005
to provide micro-finance and related financial
services to the less privileged and unbanked
segment of the society.
• Tameer Bank hope to contribute towards
poverty eradication under the Microfinance
Institution ordinance, 2001.
4. INSPIRATION SPREAD HOPE
Our local priorities with global commitment
Financial inclusion: For 10 years Tameer has focused on
providing exclusive financial services to Pakistan's un banked.
we continue to fulfill our promise to create socio-economic
empowerment by providing micro lending and micro saving
opportunities for those at the bottom of the pyramid.
Health : Tameer has partnered with local insurance
companies to provide stand alone health that facilities access
to in patient health at hundreds of hospitals around Pakistan.
Education: in 2013, Tameer initiated a pilot to finance private
schools in remote areas to enable excess to education for the
Pakistani people. these private schools no longer have to
worry about excess to finance and can focus on providing
quality education.
Development Partnerships: Tameer works with various local
and international organization including win rock, care
international, USDA, mercy corps, IAFD on development
initiatives that have financial inclusion components.
7. EXISTING BUSINESS
Loans Deposits
Health Micro
Insurance
Easypaisa
Dairy Financing Agri Financing Solar Financing Bio Gas Financing
Low Cost Housing
Financing
Bank On Wheel
8. BANK’S NETWORKS
Tameer and Telenor jointly Launched Easypaisa has over 70,000
shops in more than 800 cities across the country. Nearly 650,000
transactions are conducted on Easypaisa every day by 15 million
active customers.
10. FUNCTIONAL DEPARTMENTS
Finance Department
Branchless Banking (Easypaisa)
Human Resource
Compliance
Information Technology
Marketing & Strategy Department
Risk Management
Branch Banking
Business Support
Internal Audit
11. Branchless Banking:
Branchless banking is a distribution channel strategy used for
delivering financial services without relying on While the strategy may
complement an existing bank branch network for giving customers a
broader range of channels through which they can access financial services,
branchless banking can also be used as a separate channel strategy that
entirely forgoes bank branches.
12. Human Resources Department
A human resources department is a critical component of employee
well-being in any business, no matter how small. HR responsibilities
include payroll, benefits, hiring, firing, and keeping up to date with
state and federal tax laws.
13. Compliance Department
The compliance department within a brokerage firm, bank or financial
institution is designed to ensure compliance with all applicable laws,
rules and regulations.
14. Information Technology
In a business context, the Information Technology Association of
America has defined information technology as "the study, design,
development, application, implementation, support or management of
computer-based information systems".
15. Marketing & Strategy
An organization's strategy combines all of its marketing goals into
one comprehensive plan. A good marketing strategy should be
drawn from market research and focus on the product mix in order
to achieve the maximum profit and sustain the business.
16. Risk Management:
(in business) the forecasting and evaluation of financial risks
together with the identification of procedures to avoid or
minimize their impact.
17. Branch Banking
Branch banking is engaging inbanking activities such as
accepting deposits or making loans at facilities away from
a bank's home office.Branch banking has gone through
significant changes since the 1980s in response to a more
competitive nationwide financial services market.
18. Business Support Systems
Business support systems (BSS) are the components that
a telecommunication service provider uses to run its business
operations towards customers.
19. Internal Auditing
"Internal auditing is an independent, objective assurance and
consulting activity designed to add value and improve an
organization's operations.
20. C.E.O
DEPUTY C.E.O
C.F.O
HEAD OF
COMPLIANCE
HEAD OF
BRANCHLESS
BANKING
HEAD OF
BUSINESS
SUPPORT
CHIEF
HUMAN
RESOURCE
OFFICER
CHIEF
MARKETING
& STRATEGY
OFFICER
HEAD OF I.T
CHIEF RISK
OFFICER
HEAD OF
BUSINESS
HEAD OF
INTERNAL
AUDIT
21. Finance Department (FINCON)
CFO
Unit Heads
Accounts
Unit Heads
Business
Planning
Unit Heads Tax
Unit Heads
Business
Portfolio
Financial
Controller
22. Chief Financial Officer:
The CFO reports directly to the President/Chief Executive Officer (CEO) and
directly assists the Chief Operating Officer (COO) on all strategic and tactical
matters as they relate to budget management, cost benefit analysis,
forecasting needs and the securing of new funding.
Financial Controller:
A financial controller is a senior-level executive who acts as the head of
accounting, and oversees the preparation of financial reports, such as balance
sheets and income statements.
Business Planning:
Business Planning is a planning process that integrates across two or more
functions in a business or government entity referred to as an enterprise to
maximize financial value.
23. Business Portfolio:
A business portfolio is a company's set of investments, holdings,
products, businesses and brands. A product portfolio is the product's mix of
market segments. Marketing managers attempt to make a product appeal to
specific groups of people, called segments.
Accounts Department:
The accounting department is responsible for recording and reporting the cash
flow transactions of a company. This department has some key roles
and responsibilities, including accounts receivable, accounts payable, payroll,
financial reporting, and maintaining financial controls.
24. SWOT Analysis
Strength Weakness
•Both agencies have understood
their domains.
•System organized, structured
•No communication gaps
•Brand Reorganization
•No proper advertisement on
electronic media.
Opportunities Threats
•Emerging Market
•Focus on informal sector neglected
so far by banking system/comparative
advantage for risk‐taking agency
•Security and external hazards
• Other micro finance banks. e.g
Apnabank
25. Recommendations
The global economic environment has changed, creating challenges and
opportunities for the world’s policy makers. Now there is a greater awareness
that Banks are playing very important role in the economic growth of any
country. TMFB, no doubt a positive contributor in this respect but I think there
are certain points which bank needs to adopt in order to serve in a more
effective and efficient manner. These points are as under:
•Model Banks are using media very effectively to increase the business of
banks. So TMFB should need to use electronic media for its business
developments.
•The bank should bring forward the new talent as fresh knowledge and
education is considered very important to increase the efficiency and
production.
• Bank should introduce Credit cards and Debit cards Facility.
26. Thank You
Presentation Prepared By:
Mudassir Raza
Information Gathered By:
Rehan Inam & Shayan Asif
Cross Checked By:
Nasir Mehmood & Syed Ayaz Ahmed
Editor's Notes
Finance Department (FINCON)
When we visit the bank, we felt that because of changing of management employees are de-motivated or concerned about their Job security