SAMBA BANK LIMITEDPresented To: Prof. Riaz Ahmad MianPresented By: MUNEEB ALLAH RAKHA (M14BBA073) HARIS Ali (M14BBA076) FALAK SHER REHMANI (M14BBA078)

BBA Banking & Finance

HISTORY & BACKGROUND Samba (Saudi American Bank) was established on February 12,

1980 with the takeover of Citibank branches in Jeddah and Riyadh(Saudi Arabia).

In July 1999 SAMBA merged with United Saudi Bank by an exchange of shares, to form one of the largest banks in the Middle East.

Kingdom Holding Company (owned By Prince Al-Waleed bin Talal) had a large share ownership deriving from his ownership in United Saudi Bank.

SAMBA was always the acronym for the Saudi American Bank but the name was changed to Samba Financial Group permanently in 2003 and all references to Saudi American Bank were removed.

Samba VisionTo be the most admired financial institution in Pakistan providing world class service and innovative solutions through its people and technology, yielding superior returns and demonstrating responsible corporate citizenship.

Samba MissionTo become the most admired bank by:

Providing world class solutions to our customers by exceeding their service expectations. Investing in people by hiring, motivating and retaining talent. Creating sustainable value through growth and efficiency of all stakeholders. Delivering superior returns to our investors Benefiting the communities in which we operate

Board Of Directors Dr.Shujaat Nadeem (Chairman)Mr.Antoine MojabberMr.Beji Tak-TakMr.Farhat Abbas MirzaMr.Humayun MuradMr.Javed IqbalMr.Medhat Fareed Abbas TawfikMr.Zahid ZaheerMr.Shahid Sattar(President & CEO)

Samba Financial Group

Samba Financial Group is a large banking firm in Saudi Arabia. The combined institution had 66 branches in the Kingdom. Its international operations consist of a branch each in London, Qatar and Dubai, as well as a subsidiary that has 28 branches across major cities in Pakistan.

Samba International PresenceSamba's expanding presence in the Middle East, Europe and South Asia includes branchesU.K.DubaiQatarUSA

SAMBA ACHIEVEMENTS Safest Banks list for 2013-14, Samba ranked 1st in

Saudi Arabia, 4th in the Middle East and 46 worldwide(5th in a row).

Best Bank in Saudi Arabia Best Islamic Investment Bank Best Consumer Internet Bank in Saudi Arabia Best Integrated Consumer Bank Site in the Middle

East and Africa Best Mobile Banking in the Middle East and Africa

Samba Pakistan Samba Bank Limited is a majority owned subsidiary of

Samba Financial Group of Saudi Arabia. Samba Financial Group currently holds a 80.68% stake in Samba Bank Limited.

In March 2007, Samba Financial Group acquired 68% of Crescent Commercial Bank Limited (CCBL) in Pakistan.

CCBL, established in 2002, was formerly known as Mashreq Bank Pakistan Limited, which in turn was the result of the merger in 2003 of Crescent Investment Bank Limited and the Pakistan branches of Mashreq Bank psc.

Bank Profile(Pakistan)Full Name: Samba Bank Ltd (Samba Bank Ltd)Head office:

5th Floor Sidco Avenue Center, Maulana Deen Muhammad Wafai Road, Saddar Karachi, Pakistan.

Status: ListedLegal Form: General PartnershipOperational Status: OperationalFinancial Auditors: A.F.Ferguson & Co. (2014)Total Employees: 810

BNEXT PRESENTER HARIS ALI (M14BBA076)

SAMBA CORE VALUES

Meritocracy Equal Opportunity Respect & Dignity Integrity Teamwork

Branch Network in Pakistan Network of 28 Branches

Punjab-12

Sindh-11

KPK-1

Islamabad-4

SAMBA PRODUCTS

SAMBA ATM SAMBA Internet Banking Business Insurance SAMBA Phone Banking SAMBA Internet Fund Transfer

Samba ServicesSamba particularly provides services in these sectors: Corporate Services Investment Services Treasury Transactional Services

SAMBA ACCOUNTS Samba gives opportunity to its Customers to Deposit their Valuable money in

Saving AccountCurrent AccountTerm DepositSamba SEHEL Account

Saving Account Samba Bank Limited provides you an opportunity to

choose an account that best suits your financial needs. You get easy access to your savings account while allowing your money to grow at the same time.

Types Of Samba Savings account is:

ProductProfit Calculation Basis

Profit Payout

Samba Plus Daily Balance MonthlySamba Savings Average

Monthly Balance

Bi-Annually

Samba Savings Promotion

Average Monthly Balance

Monthly

Current Account A worry-free account with Low monthly balance requirement, Online Banking ATM facility, etc. With Samba Current Account you surely are going to find the checking account that makes your life easier and fits your lifestyle. Samba current Account is further divided in 2 categories

i.e Samba SEHEL Account Basic Banking Account

Samba SEHEL Account: Samba SEHEL Current Account offers a variety of benefits

absolutely free based on monthly average balance.i.e minimum Balance Rs. 1,00,000 0r Minimum Rs. 5,00,000.

These facilities* are provided in both limits:

Min. Balance Rs. 1,00,000

Min Balance Rs. 5,00,000

Free 3 pay orders. Free 5 pay orders.Free two 25 leaf cheque books.

Unlimited Free Cheque Books

Free ATM. Free ATMFree Statement upon request. Free ATM ReplacementFree 3 online Transactions Free 5 online Transactions.IBFT through ATM at Rs. 35 IBFT through ATM at Rs. 25Free clearance of 3 outstation cheques.

Free clearance of 5 outstation cheques.

Samba Basic Banking Account: If customer writes a few cheques a month or keep a small

checking balance, Samba Basic Banking account is a right choice.

Facilities provided for BBA account are:Minimum initial deposit of Rs. 1000.Non-remunerative local currency current account.No limit on minimum balance.Maximum two deposit and two withdrawal transactions allowed free of charge.Unlimited free of charge cash withdrawals only from Samba ATMs.

Term Deposits Samba Bank Limited offers a Term Deposit with maturities

ranging from one week notice deposit to five years, only to make sure, you are better equipped to deal with your future financial needs. Samba Bank Limited's Term Deposits give you profits and flexibility, which cater to your individual needs.

BNEXT PRESENTERFALAK SHER REHMANI (M14BBA078)

SAMBA FINANCIAL STRENGTH 2014

Share Capital of Rs. 10,082,386 Assets of Bank are of Rs. 49,697,131 Liabilites of Bank are of Rs. 39,050,226 JCR-VIS has reaffirmed Long-term Credit rating AA- Short term Credit rating of A-1

Swot Analysis

Strengths: Supported by SBP. Financially strong Parent. Automatic Operations. Full Day Banking. Customer Oriented Banking. Electronic/Phone Banking. Ethical Concern & Public Image. ATM in all Branches of Samba bank.

Weakness: Low number of Branches(weak

network). Low Job Satisfaction. Centralization. Lack of Training Facilities Low motivational level. Low number of Products. Operating orders come from KSA.

Opportunities: International Presence. Strong potential for growth. Steady increase in Customer Deposits. Branches In Remote Areas. Foreign Investment attraction. Islamic Banking.

Threats: High Charges. Stiff Competition. High Employees Turnover. Less Attractive rate of return. No credit card. Devaluation of Pakistan Rupees.

Political Analysis: Inconsistent Govt. policies. Political instability. Corruption By Politicians.

Economic Factors UnemploymentHigh inflation rateLow per capita income

Social factors:

Religious Trend A little Knowledge About Banking Products Favoritism

Technological Factors:

Growing Network Of Online Banking

Using New Software

SuggestionsFollowings are some suggestions for Samba bank to improve its operations more successfully in Pakistan.i.e

Increase network.Introduce credit schemes.Issue Credit Cards.Issue auto-finance schemes.Increase Advertisement.Raise satisfaction of Customer.Stop employees turnover.

ConclusionKeeping all aspects in mind, suggestions (that what SAMBA should do) and on the basis of our research and visit to SAMBA it is concluded that Samba has: Qualified Staff. Effective and Efficient Management. Co-operative StaffDue to which Samba has created a well image in mind of Customers in a very short period of time and now People don’t feel hesitate while working with SAMBA.