presentation on mcb

8/9/2019 presentation on MCB

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A bank is fnancialinstitution and afnancial intermediarythat accepts depositsinto lending activities.

Bank


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Incorporated by Adam Jeegroup on July 9, 194 .!stablished "ith a vie" toprovide banking #acilitiesto the businesscommunity o# south Asia.$as %ourneyed "ellpositioned heights o#success.

Introduction


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&layed a vital role in representing thecountry on global plate#orms.'ian 'uhammad 'asha is the

chairman.

Introduction((..


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)irst bank to launch *+ .-trategic #oreign partnership "ith 'aybank/o# 'alaysia.

Indirect regional presence in +ubai, $ong0ong and -irilanka. 1,1 2 branches,3 Islamic Banking Branches

and 92 A5's across &akistan.

$istory


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5o be the leadingfnancial servicesprovider, partnering"ith our customers #ora more prosperous andsecure #uture.

Vision statement


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Best commercial bank in&akistanBest domestic bank in &akistan

63222 7 32148

Achievements & Awards


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Adam Jee Insurance ompany:td.)irst ;omen band :td.!uronet &akistan 6&vt8 :td.

AssociatedCompanies


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' B fnancial services :td.' B trade services :td $ong 0ong.Ari# $abib Investments :td.

' B :easing/ closed Joint stock companyA


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=rgani


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Directors of MCB: 'ian 'uhammad 'ancha 6 hairman8 'r. -. '. 'uneer 6>ice hairman8 'r. Imran 'a?bool 6&resident @ !=8 'r. 5ari? af?6'embers8

'r. -hah


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ommittee on physical planning and

contingency arrangementsIn#ormation technology committeeBusiness strategy and developmentcommittee-B& report committee and monitoringcommittee

ommittees =#' B


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;rite o and "aiver committee

hie# fnancial oCcer committee-ecretary and group head legal a airscommittee*roup head audit committee

Associated committee-ubsidiary committee

ommittees =# ' B


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IntegrityInnovationExcellenceC stomer

Centricity!espect

&rinciple per#ormance


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&roduct @ -ervices =#

Bank


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+eposit products o# ' B


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"ypes #f

Acco nts$% C rrent acco nt

% '() *aving acco


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5ypes o# account (..

+%'() "erm Deposit

,% -oreign C rrencyAcco nt


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5ypes o# account (...%*mart Dollar Acco nt

/% *aving +0.1old


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'ahan proft deposit

5ypes o# accounts (((


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ontact "ith bank

*etting #orm+ocument attached-pecimen signature cardIssuance o# account number+eposit o# amount number+eposit o# amount and document

&rocedure )or =pening An Account


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Money la ndering . 5he process o# creating the appearance

that large amounts o# money obtained #romserious crimes, such as drug traCckingor terrorist activity, originated #rom a

legitimate source.


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$o" ' B is stopping Moneyla ndering 2222222222222

1.!thical 7 taking part in the fght against crime.

3.&ro#essional 7 ensuring that the Bank is notinvolved in recycling the proceeds o# crime that"ould call into ?uestion its reputation, integrity

E.:egal 7 through 0F guidelines ' B is stoppingcriminal elements like money laundering.


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0no" Four ustomer 5his term is used #or customer identifcation

process0no" your customer policies are becomingincreasingly important globally toprevent identity the#t, fnancial #raud, money

laundering and terrorist fnancing.


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-uspicious 5ransaction

nusual large and compleG transactions are-uspicious transaction' B ) !! )raud Alert 'anagementdepartment is handling all these issues


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5ypes o# loans

Insurance services


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5erm :oansunning )inancing

6Business -armaya8&ersonal :oans' B &ayara *har :aon

' B are 4u=verdra#t

"ypes of loans


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' B o ers short to medium termfnance to meet capital eGpenditureand short term capital re?uirementso# customers.

5ermloans


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' B Business -armaya/ is the best

unning )inance #acility against yourresidential property "hich empo"ers youto manage your business dealings better.

! nning -inance


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' B !asy &ersonal :oan provides you "ith thefnancial advantage to do things youHveal"ays "anted to but never had the suCcient#unds #or your "ant.

'ersonalloans


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' B &yara *har is an ideal $ome)inance #rom your o"n bank that lets you&urchase, enovate or onstruct yourhome the "ay you have al"ays "anted.$aving your o"n home "as never soeasy.

MCB 'yara

1har


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' B ar4 through its eGibility,a ordability, speed and other specialbenefts makes you keep up "ith the#ast pace o# li#e...

MCB Car , 3


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5his type o# #acility is usually given to veryloyal clients. 5his allo"s them to "ithdra"

over and above the amount held by them intheir account,

=verdra#t


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)leGili#e:i#e partner!ducare+ream "edding

aitalsureetire easy

IncomemaG)utre assure&rotection plan-aveand sure

services


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=ther -ervices =# Bank


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' B o ers online internet services tomanage and control your bank, accountand fnance.

5here are three #eatures o# services-imple

-ecure)ree o# cost

=n line services


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' B provide di erent cardservices to customer like ' B debit card' B credit card

lassic and gold credit card' B prepaid card

Card *ervices


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' B provide sel# services to itscustomers like' B 'obile services

A5' -ervices-'- Alertall enter

Bill &ayment!7-tatement

services


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' B provide diversifed range o# investment

products "hich are 'utual )unds!?uity )unds

Investment

services


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Islamic Ban4ing


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Based upon 3 principles o# Islamic la"6-hariah8 and guided by Islamic economist -haring &roft @ :oss &rohibition o# interest

Islamic5an4ing


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'rod cts of Islamic 5an4ing


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It is a partnership in proft in "hich oneparty provide capital 6 ab7ul7mal8 andother proivde labour 6'udarib8.

1. Mudaraba :

2. Sharik-ul-Aqd :It is a contractual partnership agreementbet"een t"o or more parties tocombine their assets, labor, liabilities #orproft .


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'urabaha is selling a commodity ondefned purchasing price and "ithagreed proft.

+% M ra5aha :

,% I6arah :

5his term is used #or leasing "hich

means selling the beneft o# the useo# an asset on leasing.


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ItKs a #orm o# I%arah in "hich lesser trans#er theo"nership o# leased property to the lessee.

.% I6arah M ntahia Bittamlee4 :

0% Istisna7aContract :

ItKs a contract o# sales o# specifed items thatis bieng manu#actured or constructed "ith anobligation


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ItKs a transaction o# purchasing a commodity#or de#erred delivery in return o# immediatepayment.

/% *alam :

8% 'arrallel *alam :

5his -alam transaction involve third party to

ac?uire the goods.


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Deposit schemes


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-ame #acilities and re?uirements likecurrent account'inimum re?uirement is s. 1222

% 9idayat C rrent Acco nt


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'inimum re?uirement is s. 3 222 5erm deposit period can be 1 3 E months oryear etc&roft calculated monthly, ?uarterly or atmaturity

+% ;a7mat "erm DepositAcco nt


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- nd Based & ;on- nd Based -acilities

d 5 d f ili i


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$% I6arahProducts :

- nd 5ased facilities

% Maeeshat M ra5aha

1. -alamat ar I%arah2. -anat !?uipment I%arah

ontract bet"een 3 parties in "hich sellerpurchase the goods at the re?uest o# customera#ter adding proft.

'urabaha L ost + !Gpense + &roft

d 5 d f ili i


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+% Diminishing M shari4aE< ipment :

ontract in "hich ' B @ its client in %ointo"nership o# property.

,% Ba7raamad Export-inancing :

ItKs a substitute o# )oreign Bill &urchase 6)B&8products "hich #ulflls the capital re?uirementneeded in eGports.

- nd 5ased facilities


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=afalat Ban4 1 arantee: In this bank act as intermediary in certain

transactions to ensure the security andconfdence o# its customers.

;on - nd Based -acilities


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!dge over its competitors

' B in the list o# highlyautomated bank

easonable service charges

*"!E;1"9


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' B is not providing purely Islamicsystem

na"areness about productsMeed o# fnance

>EA=;E**


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'anagement skill courses should be

introducedAdoption o# in#ormation technology-ta should be sent #or some #oreigncourses

#''3!"3;I"IE*


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Increase in competition

Interest rate against loan isincrease and investors cannot getloan #rom bank*overnment policy change day byday

"9!EA"*


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-ystem and operations should be more

defned and organi


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Concl sion


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