Loaning of MCB

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ABOUT MCB

MCB is one of the leading banks of Pakistan with a deposit base of about Rs. 280
billion and total assets of around Rs.300 billion. Incorporated in 1947, MCB soon
earned the reputation of a solid and conservative financial institution managed by
expatriate executives. In 1974, MCB was nationalized along with all other private
sector banks. This led to deterioration in the quality of the Bank’s loan portfolio and
service quality. Eventually, MCB was privatized in 1991.

During the last fifteen years, the Bank has concentrated on growth through improving
service quality, investment in technology and people, utilizing its extensive branch
network, developing a large and stable deposit base and managing its non-performing
loans via improved risk management processes.

OUR VISION & MISSION

Vision Statement

Challenging and Changing the Way you Bank.

Mission Statement

MCB Bank’s team of committed professionals is dedicated to maintaining long term

customer relationships through outstanding service and convenience.

MCB LOANS
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 Followings are the loaning facility that MCB provide in Retail.

1. Business Sarmaya.

2. Personal Loans.

3. Pyara Ghar.

4. Car4u.

 Following are the loaning facility that MCB provide for Corporate.

5. Term Loans.

6. Working Capital Loans.

1) Business Sarmaya

Business Set... Tau Life Set !

Good cash flow is the key to any successful business.MCB Business Sarmaya' offers
running finance facility against your house/flat,insuring a steady cash flow for your
business.So now you can breath easy,becaurse Business Set....tau Life Set.

FLEXIBLE
 Running finance facility, to use as and when you want.

 Financing upto Rs. 20 million

 Pay back when you want

 Only monthly mark-up payment

AFFORDABLE

 Lower mark up and that too only on utilized amount.

 Option to club income to avail higher financing limits.

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HIGH LOAN AMOUNT

 Loans up to 70% of the value of your house / flat.

SPEED

 Fast and hassle free processing of application after completion of your

documents.

EASE

 Doorstep service and assistance from our dedicated sales staff to fill and
submit application along with documents.

WIDE ACCESSIBILITY AND AVAILABILITY

 Access your Business Sarmaya account through our vast ATM and branch
network anywhere in Pakistan.

 Available in all major cities i.e. Karachi, Lahore, Faisalabad, Rawalpindi and
Islamabad.

EXISTING CUSTOMERS

 Get discounts if you are already a customer of similar facility at another bank.

So why wait? Apply for MCB Business Sermaya today and keep growing your
business because Business Set…tau Life Set.

For further details, please contact your nearest MCB branch, our call center 111-
000-MCB (622).

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2) Personal Loan.

Celebrate Life !

The more you praise and celebrate your life, the more there is in life to celebrate.
MCB Personal Loan shortens the distance between your dreams and your
celebrations. It is designed to be fast, flexible and affordable so that you can live free
and Celebrate Life!.

Fast

 Speedy loan approval

 No guarantor / security / collateral required

FLEXIBLE

 Borrow up to Rs.1,000,000/-

 1-5 year tenures

 Partial and full adjustments allowed anytime during the tenure

 Optional insurance

AFFORDABLE

 Equal monthly installments

 Lower interest rates

 Higher loan limits

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EASE

 Doorstep service and assistance from our dedicated sales staff to fill and
submit application along with documents

SPECIAL BENEFIT:

 Loan amount can be renewed anytime after 6 months

EXISTING CUSTOMERS

 Fill in and submit the application from along with a copy of your CNIC, if you
have been a customer of MCB Car4U, MCB Pyara Ghar or MCB Business
Sarmaya for at least 12 months

 Get greater loan limits if you have been an existing MCB Branch customer for
more than 6 months

 Get PL BTF if you already have a similar facility from any other bank and
want it to be transferred to MCB Personal Loan. Credit Card BTF option is
also available

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3) Pyara Ghar

Apna Ghar …Pyara Ghar

Owning your dream home has never been easier. MCB ‘Pyara Ghar’ is the most
sensible option for purchasing, building, or renovating your new/existing home. It
offers you a range of financing options to help you realize your dreams. After all ",
Apna Ghar Pyara Ghar".

AFFORDABLE
Lower mark up rates

Financing upto 80% of the value of your house/flat

Options to club income to avail higher financing limits

Equal monthly installments

SPEED
Fast and hassle free processing of application

EASE
Doorstep service and assistance from our dedicated sales staff to fill and submit
application along with documents

AVAILABILITY
Available in all major cities i.e. Karachi, Lahore, Faisalabad, Rawalpindi and
Islamabad

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EXISTING CUSTOMERS
Get discounts, if you are already a customer of a similar facility at any other bank

4) Car 4u

Kahin na Kahin tau Hai 1 Car 4 You

Life in the fast lane can be really slow without a car. MCB Car 4 U makes it a breeze
to finance/lease your new/used car. So get up to speed, because "Kahin Na Kahin
Tau Hai…1 Car 4 You".

FLEXIBLE

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 Option for financing or leasing

 Financing tenures from 1 to 7 years

 Option for new as well as used cars

 Options for local as well as imported cars

 Financing upto Rs. 20 lacs

 Option for early payment

 Option for replacement loan

 Option for first year insurance financing

 Minimum documents required (1 copy of CNIC and 2 photographs)

AFFORDABLE

 Lower mark up rates

 Lower insurance rates

 Only upto 15% down payments

SPEED

 Fast and hassle free processing of application

 Priority delivery on different vehicles

SPECIAL BENEFITS

 Option to pay your first installment after 3 months

 Pay your down payment after your loan is approved

AVAILABILITY
Currently available in the following cities:

 Karachi, Lahore, Faisalabad, Rawalpindi, Islamabad, Quetta, Multan,

Peshawar, Hyderabad, Sialkot, Gujranwala, Sargodha, Mirpur (AJK),
Jehlum, Gujrat, Sahiwal, Rahim Yar Khan, Okara, Bhawalpur, Sukkur,
Mianwali, Abbottabad and Mardan.

EXISTING CUSTOMERS
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 Get 1% discount if you are already our customer for Personal Loan, ‘Pyara
Ghar’ or ‘Business Sarmaya’. If you are our branch customer, you can avail
this facility anywhere in Pakistan.

5) Term Loans

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You as an individual can gain and benefit the most through MCB Consumer Banking.
In MCB you get friendly, efficient and attentive personalized banking services - a
unique banking relationship experienced by each MCB client.

6) Working Capital Loans

Based on the customers specific needs, the Corporate Bank offers a number of
different working capital financing facilities including Running Finance, Cash
Finance, Export Refinance, Pre-shipment and Post- shipment etc. Tailor- made
solutions are developed keeping in view the unique requirements of your business.

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