A bank is a financial institution and a financial intermediary that accepts deposits and channels those deposits into lending

activities, either directly by loaning or indirectly through capital markets. A bank is the connection between customers that have capital deficits and customers with capital surpluses.

Accounts Department Audit Department. Business Promotion Department Credit Department. Compliance Department. I.T Department. Head of Operations Departments. Treasury Departments.

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commenced its operations in August 2006 The Pakistan operations of Rupali Bank Limited were acquired by Arif Habib Securities Limited under the Scheme of Amalgamation approved by the State Bank of Pakistan. The name of Rupali Bank Ltd was subsequently changed to Arif Habib Rupali Bank Ltd and then finally to Arif Habib Bank Ltd in October 2007

On

31st March 2010, Suroor Investments Ltd, a company incorporated in Mauritius, acquired 59.41% stake in Arif Habib Bank Ltd from Arif Habib Securities Ltd, and on 18th August 2010, Arif Habib Bank Ltd was rebranded as Summit Bank Ltd. Suroor Investments Ltd also entered into share purchase agreements (SPAs) with majority shareholders of My Bank Ltd and Atlas Bank Ltd, who after completion of the transactions have merged in Summit Bank Ltd expanding the Banks geographical outreach with a network of 166 Real Time Online branches across the country.

To be the financial Intuition based on trust, Integrity and good governance to deliver financial solutions to our customers, to provide equal opportunities and professional working Environment to our employees to serve the community at large.

To be the preferred provider of the financial products and services to the Markets.

Summit bank is currently operating with 185 branches throughout Pakistan. The banks strategy is to establish a network of 300 branches during the next three to five years. Several new sites have already been identified at strategic locations. All branches are online, equipped with state of the art technology capable of providing Real Time Banking services to the clients. A professional team has been developed to meet the expectations of demanding customers. This is line with the banks strategy to build infrastructure of international standard to attract and retain a sizeable client base.

Account Opening Department Cash Department Clearing Department Local Remittance Department Accounts Department Trade Finance Department Marketing Department

The department that is responsible for opening and closing an account assumes immense significance and holds a central place in the basic banking operations.

Customer relation Individual Joint

Currency in which the account is to be maintained/ operated. The currencies include Pakistani Rupee U.S. dollar Pound sterling Euro

TYPES OF ORGANIZATION The various types of organization which are present in Pakistan at present are: Limited company Public Private Partnership Association/Club/Society Sole-Proprietorship

This department of bank is mainly responsible for the handling of cash deposits and encashment of cheques issued by the account holders. The following are the sections of the cash dealing department Receipts of cash Encashment of cheques Cash receipt section The depositor uses depositor slip/vouchers for depositing the amount. Client fills theseVouchers, fulfilling all requirements.

One of the basic economic functions of banks is to receive deposits and to honor cheques drawn upon them. So, cheques are a most commonly used instrument for making payments by account holders Clearing house facilitates different banks to get their cheques drawn upon other banks to be cleared.

Cheques lodged in clearing constitute two types of clearing Outward Clearing Inward Clearing

INWARD CLEARING: Clearing of all our customer cheques ( drawn on their accounts with us) that they have issued and are deposited in other banks. OUTWARD CLEARING: Clearing of all our customers cheques ( drawn on other banks) that they have deposited in our bank.

Trade deals with entry / departure of goods into / from one country to another country. International trade basically is a consequence of an agreement between buyer and a seller separated by geographical boundaries

The Letter Of Credit (L / C) It is a conditional bank undertaking of payment. Basic parties involved in Letter Of Credit (L / C) There are four basic parties involved Importer & its Issuing Bank Exporter (Beneficiary) & its Advising Bank

Summit Classic Current Account Key Features One account with a bundle of product Minimum monthly average balance as low as Rs. 50,000/ Up to 3 Visa Debit Cards free. Special Retirement Or Investment Insurance Plan at only Rs. 2000/month (bancassurance) Loan Facility (secured) with special rates
1.

Current Account: Summit Bank Current Account is a convenient and secure way of holding your money in local and foreign currencies The key features of this account are as follows: Non-interest bearing Starter cheque book issued when the account is opened Unlimited free-of-cost transaction facility No deduction of Zakat Choice of periodic statements (monthly, quarterly, half-yearly and annual) by post Access to account statement anytime through Internet Banking facility Account transaction information through SMS Free issuance of VISA debit card Cash withdrawal through large ATM network

Summit Banks Savings Account is the most convenient way to manage your savings in local and foreign currencies. Key features of these accounts are as follows: Starter cheque book is issued when the account is opened No penalty on minimum balance not being maintained Choice of periodic statements (on monthly, quarterly, halfyearly and annual basis) by post. Access to your account statement anytime through our Internet Banking and e-Statement facilities Account transaction information through SMS Free issuance of a VISA debit card Easy cash withdrawal through a vast network of ATMs

Saving Account

Term Deposits: Fix your deposits for a certain period of time. Deposit Limits Rs. 50,000 up-to Rs.10 million

Expected Rate of Profit

3 Months 6 Months 1 Year 2 Year 3 Year

6.75% 7.00% 7.25% 7.50% 8.00%

Period of Deposit 6 months, 1 year, 2 years & 3 Years Special Benefits Free VISA debit card Monthly profit will be credited in the depositors account and can be withdrawn through cheque or ATM, free of charge Deposit will be rolled over on maturity for the same period at the rates prevailing on the date of maturity, unless otherwise requested by the customer. Free Internet Banking Free issuance of pay orders and demand drafts Free SMS updates for the first three months (applicable from the date of account opening)

Daily Product Account Take advantage of our Daily Product Account, which is a unique account where your money begins earning interest as soon as you make a deposit. Interest is calculated on your daily closing balance and credited to your account monthly, which means you make money from the day of initial deposit to the day that you withdraw your funds. Its a simple way to start growing your savings right away. The minimum amount required to open this account is Rs. 25,000. It is an account that raises your own money(deposit) on daily basis.

Hamara Summit Family Savings Account: Summit Bank has come up with Summit Family Savings Account a unique savings account offering superior returns and a host of free services.

Heres how it Works Grouped accounts for the family Initial Investment Requirement-Rs.5,000/Minimum Balance Requirement-Rs.5,000/Attractive return of 6% Additional 2% as bonus feature* Up to Five free Visa debit cards Minors can make purchases and withdraw cash at ATMs via the Visa Debit Card

Heres what you get SMS alerts Mobile Balance Recharge Visa Debit Cards Internet Banking ATM Cash Withdrawal Insurance Personal Accidental Insurance Utility Bill Payment through SMS/ATMs/Internet and/or Contact Centre ATM Intra-Bank Fund Transfer Lockers

Summit Advantage Account

Summit Advantage Account is a unique combination of exceptional returns on your investment coupled with a facility to avail up to 70% financing; and thats not all, it comes with an added advantage of no additional mark up!

Key Features

Maximum Loan up to 70% of the deposit with no additional markup (9% p.a.) Exceptional returns up to 9% p.a. Monthly profit payout Term: 1 year Minimum investment of Rs 100,000/- with a maximum limit of up to Rs 50,000,000 Access to a range of value added facilities Free Facilities: Visa Debit Card Internet Banking

Summit Sixer: Summit Bank is committed in providing the best financial services to its customers and is proud to expand the list of available services by introducing Summit Sixer Account where your investments will be doubled in just seven years. Moreover, earn profit on your money with a mark-up of 14.30% on maturity.

Summit Bank offers a secure, fast and convenient Internet Banking channel with a range of services. It will change the way you bank today. Internet Banking ensures that you have convenient access to your account and banking services, no matter where you are. Services offered through Internet Banking: Bill Payments Credit Card Bill Payments Mobile Balance Recharge Facility Funds Transfer within Summit Bank Inter Bank Fund Transfer View and Download Account Statement View ATM/VISA Debit Card Transaction Details

Internet Banking

Activate/Deactivate

Cards Change ATM/VISA Debit Card PIN Manage Spend/Withdrawal Limits for VISA Debit Cards View Status & Stop Payment of Cheques View Consumer Loan Details Register and Track Complaints View Internet Transaction Activity Log How to Register Dial 0800-24365 or Visit your nearest Summit Bank branch

ATM/VISA Debit

Summit Banks 24/7 Contact Center is a state-of-the-art telephone information hub, based on cutting edge communications technology. For any queries, concerns or complaints, you can call our Contact Center toll free, at 0800-24365 24 hours a day, 365 days a year. An interactive voice response (IVR) system allows you to bank directly and independently, without the need of speaking to our Phone Banking Officers. You can avail the following services through the Contact Center: Balance Inquiry VISA Debit Card Activation VISA Debit Card Blocking & PIN Change Utility Bill Payments Cheque Book & Pay Order Requests Complaint Registration Statement Requests Mobile Balance Recharge Product & Service Information

Contact Center:

Upayments: With a Ufone connection and a Summit Bank account, you can avail convenience like no other. You can easily utilize the following services from your mobile: Balance Inquiry Mini Statement Funds Transfer Utility Bill Payments Prepaid Ufone Balance Recharge Postpaid Ufone Bill Payment

Remittance: Summit Bank has designed and developed its own electronic interface by the name of Amanat Cash to facilitate various exchange companies and banks to send home remittance to Pakistan on real time basis. This has made possible, for all Pakistanis, to receive remittances by their loved ones for FREE, in a fast and fully secured manner. The service we offer is readily available to every one regardless of having account in Summit Bank. Amanat cash Western union Express money

SERVICE QAULITY Soft skills What are soft skills ? The character traits and interpersonal skills that characterize a person s relationships with other people. Behavioral traits inherent in an individual. Soft skills refers to personality traits, social grace , facility with language, rersonal habits ,friendliness business etiquette and optimism that mark people to varying degrees.

Top soft skills to be successful:

Effective communication skills Leaderships Problem solving Team building Flexibility & adaptabilitys Personal energy Positive attitude Interpersonal skills Willingness to learn Critical thanking skills

Soft skillsthree categories Its easy to learn the technical skills you will need to be successful at work .But if you are looking to climb that corporate ladder, you are going to need superior soft skills too.

Interactions with colleagues

Networking: is building strong relationships or alliance with others. networking is important in building connections across an enterprise .if you do not know something yourself, its important to know who can help Communication: effective sharing of information with other Including oral , written ,and even nonverbal communication. Teamwork /collaboration : ability to work successfully in a group setting , including assuming the role of a team player. This is someone that puts the goals of the team ahead of their personal goals Demonstrating empathy: capability to share one s feelings with other, as well as understanding the emotions of others

Professionalism and/ or work ethic: Professionalism: includes dressing appropriately for the work setting , arriving on time speaking in a respectful manner to colleagues, customer and clients. Integrity: acting in a truthful and honest manner. This skills isTypically aligned with the value expressed by the company Optimism: is to anticipate the best possible outcome, and provide positive feedback when someone is faced with adversity. Enthusiasm/motivation: required to remain devoted to and supportive of an idea,corporate goal or work assignment.to continue to remain engaged in the pursuit of a goal.

critical thinking or problem solving: This last category of soft skills deals with one s ability to think critically, and solve problem at work. The ability to pull together data to solve a problem in the work place is a widely valued talent in a business setting. One of keys to being an effective problem solver is developing the solution to the problem in a reasonable time frame. It is also important to be able to explain how the solution to a problem was solved in both a logical and systematic manner.

CUSTOMER SERVICES SKILLS: To strictly maintain a cheerful and emphathic disposition at all times when spesking to customers. Serve the customers with a smile and maintain eye contact throughout the interaction. Learn about Your customer product knoledge;serve him as per his needs Always focus on positive forward-looking solutions-Not negative blame-ridden dialog Welcome Customer Service Complaints- And really listen to what problems are out there.

The bank has no doubt good attractive products and service lines but due to lack of concentration towards marketing their products and services could not get the desired result for getting maximum desired output they must get some steps towards marketing their products to aware the general public from their products and bank also.