Presented By:

Muhammad Numan Zamir Muhammad Irfan Ahmad Muhammad Sufyan Akram 121 148 120

Part I

Companys Overview

By:
M.Numan Zamir

Introduction
Formerly known as Askari Commercial Bank Incorporated on October 9, 1991. Listed on Karachi, Lahore and Islamabad Stock Exchange. A network of 212 Branches. Has 29 dedicated Islamic Branches

Introduction cond

A network Of 4173 Online ATMs

Has 984,485 banking customers Has 6,159 employees With Equity of 14.95 billion Total Assets 254.33 billion

Subsidiaries

Askari Investment Management Limited

Askari Securities Limited

Awards and Achievements

Best Retail Bank in Pakistan by The Asian Banker

The best Bank in Pakistan 2001, 2002 by Global Finance Magazine

Corporate Excellence Award 2002 2003,2004 by (MAP)

Awards and Achievements

The best Consumer Banking Award 2006 by Consumer Association of Pakistan

Best Corporate Report Award 2008 by ICAP & ICMAP

The Best Annual Report Award 2010 by ICAP & ICMAP

Entity Ratings

Short Term

Long Term

Vision
To Be the bank of first choice in the region

To be the Bank of first choice in the region

Mission
To be the leading Private Sector Bank in Pakistan with an international presence, delivering quality service through innovative technology and effective human Resource Management in a modern and progressive organizational culture of meritocracy, Maintaining high ethical and Professional standards, while providing enhanced value to all our Stakeholders, and contributing to society.

Vision

Mission Mission

Corporate Objectives
Sustained growth and profitability High performance culture Customer service oriented culture Motivated employees To optimize use of technology Deliver timely solutions

Strategic Planning

Comprehensively plan for future to ensure growth And profitability

Facilitate alignment of vision and mission with goals

Identify opportunities for profit

Create and leverage strategic assets and capabilities For competitive advantage

Management

Board of Directors
Lt.Gen. Javed Iqbal
( Chairman Board of Director)

Lt.Gen. Tahir Mehmood

(Chairman Executive Committee)

Mr. Muhammad Rafiquddin Mehkari

(President & Chief Executive)

Board of Directors
Mr. Zafar Alam Khan Sumbal Dr. Bashir Ahmad Khan Mr. Shahid Mahmud

Mr. M. Riyazul Haque

Mr. Ali Noormahomed Rattansey Mr. Wazir Ali Khoja Malik Riffat Mehmood Khawaja Jalaluddin Roomi (Directors)

Company Secretery
Mr. M.A. Ghazali Marghoob

Chief Financial Officer

Mr. Saleem Anwar

Auditors
KPMG Taseer Hadi & Co.

Legal Advisor
Rizvi, Isa, Afridi & Angel

Registered Head Office

AWT Plaza, the Mall, P.O Box No 1084 Rawalpindi-46000 Pakistan

Organogram

Branches

Branches cond

North Region South Region

Central Region Wholesale Branch Bahrain

Part II

Companys Product Line

By
Muhammad Irfan Ahmad

Deposits
Current Account PLS Saving Account Askari Special Deposit Account

Askari Roshan Mustaqbil Account

Askari Mahana Bachat Account Askari Deposit Multiplier Account

Askari Roshan Mustaqbil Account

Term Deposit
5000-50000 Limit 10 Year Tenure Competitive Profit Rates

Askari Deposit Multiplier Account

Term Deposit 50,000-10,000,000 limit 10 year Tenure Competitive Profit rate

Askari Mahana Bachat Account

Term Deposit 50000-10,000,000 1-3 Years Tenure Competitive Profit rate

Advances

Corporate And Investment Banking

Consumer Banking Agriculture banking

Corporate And Investment Banking

Corporate and Investment banking cond

Term Finance
Working Capital Financing

Letter of Credit
Fund Transfers

Corporate and Investment banking cond

Bill Discounting Loan Syndication Balance Sheet Reconstruction Service Debt And Equity Financing Options Through Capital Markets

Consumer Banking Services

Credit Cards

Platinum Gold

Silver
Zarai & Corporate

Askaris Personal Finance

Term Finance Limit up to 500,000

Maximum 5 Years tenor

Monthly Installments Competitive Markup Rates

Smart Cash
Personal line of credit Limit up to 500,000 (Clean) Limit up to 1 million (secured) One Year (renewable tenor) Monthly Debt Servicing Competitive Markup Rates

Askari Banks Mortgage Finance

Build a Home Buy a Home Buy a plot and construct Renovation

Askari Auto Loans

Limit 100,000-3.0 million Monthly Installments Competitive Markup Rates

Minimum income : Salaried 10,000 Self Employed 25,000

Up to 7 years Tenor

AskCard (Askari Debit Card)

Free ATM Cash withdrawal limit No hidden Charges Free funds Transfer Facility Free Utility Bills payment

Net Banking (Internet Banking Service)

Balance Enquiry Funds Transfer Free Payment of Utility Bills Payment of School fee

Askari Touch N Pay

Ask Card Askari Banks ATMs Nationwide

Internet Banking Service

Call Centre

Rupee Traveler Cheque

Free Issuance Free Encashment Nationwide Acceptability Valid until Encashment Account Relationship not Mandatory

Agriculture Banking

Askari Kissan Evergreen Finance

Askari Kissan Tractor Finance

Askari Kissan Farm Mechanization Finance

Kissan Aabpashi Finance

Askari Touch N Pay

Kissan Live stoke Development Finance

Kissan Farm Transport finance

Islamic Banking Services

Islamic Corporate Banking Islamic Investment Banking Islamic Trade Finance Islamic General Banking Islamic Consumer Banking

Part III

Banks Financial, Swot and Pest Anlysis

By

Muhammad Sufyan Akam

Financial Highlights

Profit after tax up by Rs 1.108 billion (2008- 306million)

Profit before tax up by Rs 1.642 billion (2008- Rs 461 million)

Deposits

Increase in Deposits
RS 206 billion (2008: Rs. 12.97 billion)

Advances

Increase in Advances
Rs 148 billion (2008:Rs.140 billion)

Assets & Equity

Assets

Increased by
Rs. 254 billion Equity (2008:Rs.200 billion)

Increased by Rs 14.95 billion (2008:Rs.12.97 billion)

EPS & Market Value

EPS up by Rs 2.18 (2008Rs.0.76)

Market Value up by
Rs 27.30 (2008:Rs.14.57)

Deposits
Corporate sector
Consumer sector

Advances By Segments

SME's sector

Agriculture sector

Commodity financing Staff loans

9%
18%

19%

8%

7% 39%

Deposits Advances By Sector

Agri Business Cement and construction Chemical and Pharmaceutical Financial Institutions Food beverages and tobacoo Fuel, Energy Individuals 4% 1% 13% 3%

16%

6%

8%

16%
1%

20%

1%

11%

SWOT Analysis

Strengths

Competent Management Dedicated Staff Financing All Sectors Customer Satisfaction

Weaknesses

Limited Branches Poor Marketing Strategy Lengthy Procedures

Opportunities
Geographical Expansion Technology Implementation Mega Project Investment Agriculture Development Islamic Banking

Threats
Political Uncertainty Multinational Competition Global Economic Crisis

PEST Analysis
Political Social

Economic

Technological

Suggestions

Follow the Consolidation Strategy Provide training to employees

Adopt Islamic Banking

Build a Strong Marketing Strategy