Upload
andeela-riaz
View
219
Download
0
Embed Size (px)
Citation preview
8/9/2019 Consumer Bank Final Slides
1/70
8/9/2019 Consumer Bank Final Slides
2/70
Consumer Bank
Consumer banking is comprised of thefinancial services, such as checking and
savings accounts, mortgages, home equity lines
of credit, personal loans, and credit cards,
offered by financial institutions.
8/9/2019 Consumer Bank Final Slides
3/70
History Of Consumer BankingThe consumer bank is actually a relatively new
phenomenon in the history of banking. Most banks
were initially built to serve businesses andcountries. They werent examples of a consumerbank, since they didnt normally provide servicesto individuals, unless you were extremely wealthyand your deposits financed some aspects of thebanks business endeavors. It wasnt until about
the mid 1800s that banks started seeing the valueof offering accounts and safe depositing places for
the average person.
8/9/2019 Consumer Bank Final Slides
4/70
Consumer Banking
&Pakistan
8/9/2019 Consumer Bank Final Slides
5/70
Why Banks Came Into Consumer
Financing in Pakistan?
1. Unstable Govt. of Pakistan
2. Constantly changing policies of Govt.
3. Afghan crises.4. Terrorism, sectarianism & ethnicity in
Pakistan
5. Experience of atomic explosion in May
1998.6. Incident of 9/11
7. Domestic borrowing of Govt.
8/9/2019 Consumer Bank Final Slides
6/70
Purposes of ConsumerFinancing
Improve standard of living.
enhance the consumption of consumer.
8/9/2019 Consumer Bank Final Slides
7/70
Functions Of Consumer Banking
Accepts deposits.
Offers services like making private loans to
individuals.
Allows you person-to-person contact at aspecific location, called a branch.
8/9/2019 Consumer Bank Final Slides
8/70
Positive Impacts On The
economy
New horizon for employment.
Increase per capita income.
Decrease in unemployment rate.
Increase in demand.
Flourishing Economy.
Prosperous country.
8/9/2019 Consumer Bank Final Slides
9/70
Consumer BankingFramework
Constantly expanding.
Need to build Competitive advantage.
The need for a robust technology
framework.
8/9/2019 Consumer Bank Final Slides
10/70
Savings
Checking
Current
Fixed Term
Recurring
Reinvestment
Notice
Multi Currency
Accounts
Overdrafts
Certificate
of Deposits
Master &
Placement
Top Up
deposits
Fixed Rate
Variable Rate
Mortgages
Vehicle loans
Home Saver
Top Up Loans
Revolving
Subscription
Management
Multi Currency
Multiple
Billing modes
Mudarabah
Murabaha
Musharaka
Savings &
OperativeAccounts
Term Deposits Consumer
Lending
Bill Pay Islamic Banking
Consumer Banking
Istisna
8/9/2019 Consumer Bank Final Slides
11/70
Consumer Banking
&
8/9/2019 Consumer Bank Final Slides
12/70
Consumer Products by Allied
Bank
Allied Visa Credit Card
Allied Visa Debit Card
8/9/2019 Consumer Bank Final Slides
13/70
M07BBA008
8/9/2019 Consumer Bank Final Slides
14/70
Consumer Product
Credit cards
Debit cards
Corporate banking
Commercial banking
Personal loans
Car financing
Home loan
8/9/2019 Consumer Bank Final Slides
15/70
Credit Cards
8/9/2019 Consumer Bank Final Slides
16/70
Allied Visa Gold Credit Card
Buy Now, Pay Later
Flexible Repayment
Cash Advance Facility
Allied Easy Installments (AEI)
8/9/2019 Consumer Bank Final Slides
17/70
Allied Easy Installments (AEI)
The you with the facility to pay youroutstanding Allied Easy Installments (AEI)
plan provides card balance in equal and
affordable monthly installments.
8/9/2019 Consumer Bank Final Slides
18/70
Allied Visa Gold Credit Card
Supplementary Cards
Balance TransferFacility
Credit Protection Plus
Zero Loss Liability
24-hour Allied Phone Banking
8/9/2019 Consumer Bank Final Slides
19/70
Visa Platinum Credit Card
Visa Platinum Golf
Platinum Life Platinum
Visa Platinum Club
Visa Platinum Dining
Visa Experiential Travel
8/9/2019 Consumer Bank Final Slides
20/70
Visa Platinum Credit Card
Visa Platinum Websites
Free travel accident insurance
Free Travel Inconvenience Insurance
Concierge Service
Concierge Online
8/9/2019 Consumer Bank Final Slides
21/70
Types Of Concierge Services That
Can Be Availed InternationallyAre:
Travel Assistance
Car Rental Assistant
Sports & Entertainment Assistance
Pre-Trip Assistance
Business Services Assistance Flower & Gift Assistance
8/9/2019 Consumer Bank Final Slides
22/70
Visa Platinum Credit Card
The Lowest Service Charge
Flexible Repayment
Balance TransferFacility
Cash Advance Facility
Credit Protection Plus
8/9/2019 Consumer Bank Final Slides
23/70
Debit Card
8/9/2019 Consumer Bank Final Slides
24/70
Allied Debit cardAllied bank also offers allied cash debit card
along with its credit cards allied debit cards
includes:
1) Allied cash debit card
2) Allied shop visa debit card
8/9/2019 Consumer Bank Final Slides
25/70
Allied Debit card
Get Cash
Shop Anywhere
Enjoy Traveling
Get Groceries
Fuel Up
8/9/2019 Consumer Bank Final Slides
26/70
Activation Instructions
Kindly sign the signature panel on the back
of your Card in permanent ink as soon as you
receive it.
To activate your Card, please call Allied
Phone Banking.
Enter the PIN provided to you in order to use
the Card at ATMs.
8/9/2019 Consumer Bank Final Slides
27/70
Protect Your Card
Do not bend your Card.
Do not leave your Card near a television or any
other electrical or electronic gadget, which has
a continuous magnetic field.
Do not expose your Card to direct sunlight.
8/9/2019 Consumer Bank Final Slides
28/70
PERSONAL LOANS
8/9/2019 Consumer Bank Final Slides
29/70
CAR FINANCING
8/9/2019 Consumer Bank Final Slides
30/70
HOME
FINA
NCI
NG
8/9/2019 Consumer Bank Final Slides
31/70
M07BBA069
8/9/2019 Consumer Bank Final Slides
32/70
Commercial Bank
History
Role
8/9/2019 Consumer Bank Final Slides
33/70
Types of Loans granted
Secured Loans
Mortgage Loans
Unsecured Loans
8/9/2019 Consumer Bank Final Slides
34/70
Commercial Banking in AlliedBank
Deposit Account
SME (Small and Medium Enterprise)
Agricultural finance
8/9/2019 Consumer Bank Final Slides
35/70
Agricultural Finance
i) Farm Loans.
Production Loans
Development Loans
ii) Non farm loans.
iii) Agr
iculture Re
volvi
ng CreditS
ch
eme.iv) Development Loans/Finance (term loans).
8/9/2019 Consumer Bank Final Slides
36/70
Criteria Selection Should Be:
Pakistani.
Account holder with ABL. Permanent residence plus self-cultivator.
Not be a defaulter.
Reputable.
Able to produce proper securities.
8/9/2019 Consumer Bank Final Slides
37/70
Amount Of Finance
Value of agricultural land.
50% of last 3 years average Sale Price or
Market Value.
50 % of residential or commercial property.
8/9/2019 Consumer Bank Final Slides
38/70
InsuranceCrops to be reimbursed such as:
Wheat
Rice
Cotton
Sugarcane
Maize
8/9/2019 Consumer Bank Final Slides
39/70
Corporate Leasing
Leasing has important features like:
Tax shield.
Preserve working capital.
Easy documentation.
Less processing time.
8/9/2019 Consumer Bank Final Slides
40/70
M07BBA059
8/9/2019 Consumer Bank Final Slides
41/70
Allied ATM Network
A vast network of over 522 ATMs installed in over
130 cities.
8/9/2019 Consumer Bank Final Slides
42/70
1-link Switch
Comprising of over 2000 ATMs nationwide
Has following bank members:
1. ABN Amro Bank KASB Bank
2. Meezan Bank Limited3. National Bank of Pakistan
4. NIB Bank Limited
5. PICIC Commercial Bank Limited
6. Soneri Bank Limited
7. ABN Amro Bank KASB Bank
8. Meezan Bank Limited9. National Bank of Pakistan
10. NIB Bank Limited
11. PICIC Commercial Bank Limited
12. Soneri Bank Limited
8/9/2019 Consumer Bank Final Slides
43/70
1-link Switch13. Standard Chartered Bank Pakistan Limited
14. Union Bank Limited
15. United Bank Limited
16. MyBank Limited
17. Allied Bank Limited
18. Askari Commercial Bank Limited19. Atlas Bank Limited
20. Bank AL Habib Limited
21. Bank Alfalah Limited
22. Bankislami Pakistan Limited
23. Crescent Commercial Bank Limited24. Dubai Islamic Bank Pakistan Limited
25. Emirates Global Islamic Bank Limted
26. Faysal Bank Limited
27. First Dawood Islamic Bank Limited
8/9/2019 Consumer Bank Final Slides
44/70
OtherServices
Utility bill
Lockers
S. # Locker Size Annual Locker
Rent (Current)
Maximum Loss
Coverage /
Limit
1. Small Rs.1,500/- Rs.500,000/-
2. Medium Rs.2,000/- Rs.1,000,000/-
3. Large Rs.4,000/- Rs.1,500,000/-
4. Extra Large Rs.5,000/- Rs.2,000,000/-
8/9/2019 Consumer Bank Final Slides
45/70
OtherServices
Hajj Services
8/9/2019 Consumer Bank Final Slides
46/70
Internet Banking
Advantages:
Simple & convenient
Secure & faster
24*7 access
8/9/2019 Consumer Bank Final Slides
47/70
Online Banking
A system allowing individuals to performbanking activities at home through
internet.
8/9/2019 Consumer Bank Final Slides
48/70
Online Banking
A unique service
757 online branches in 250 cities Deposit cash for instant credit into your
account
Account to account funds transfer facility
8/9/2019 Consumer Bank Final Slides
49/70
M07BBA021
8/9/2019 Consumer Bank Final Slides
50/70
Profit Rates
8/9/2019 Consumer Bank Final Slides
51/70
8/9/2019 Consumer Bank Final Slides
52/70
8/9/2019 Consumer Bank Final Slides
53/70
8/9/2019 Consumer Bank Final Slides
54/70
8/9/2019 Consumer Bank Final Slides
55/70
Corporate Banking
8/9/2019 Consumer Bank Final Slides
56/70
Corporate Banking
Corporate Banking
Investment Banking
Financial Institutions & Cash Management
8/9/2019 Consumer Bank Final Slides
57/70
Corporate InvestmentBanking
The Corporate Investment Banking Group
(CIBG) holds the Banks loan portfolio enjoys a leading position in corporate lending
offers a wide range of financial services
key role in the countrys economic growth
top investment banks in the country today.
8/9/2019 Consumer Bank Final Slides
58/70
Awards
Timely Completion of Mandates
Highly talented and experienced analysts
An employee focused work culture
Flexible delivery models to satisfy client specificrequirements
A cost effective, one window solution forcustomers
Its ability to rapidly adapt to changing industrial
& client specific processes. The dedicated Transaction Manager Model
ensuring high quality service at all times
8/9/2019 Consumer Bank Final Slides
59/70
Corporate Banking expertise in providing exemplary customized
and personalized service to its Corporate
Customers One Window operations
strategically placed its presence in all major
corporate hubs
leading position in corporate lending position itself as one of the prime banks
8/9/2019 Consumer Bank Final Slides
60/70
Investment Bank
ing
ABL IBG was established in 2005 and focuses
on the Investment Banking market.
Highest number ofSuccessful Arrangement andParticipation in Key Privatization & Acquisition
Financing Transactions.
Penetrated the investment banking.
Reputable for building business.
Debt Origination and Distribution.
8/9/2019 Consumer Bank Final Slides
61/70
IBG Range ofServices
8/9/2019 Consumer Bank Final Slides
62/70
Financial Institutions
Inbound trade services
International remittances with immediate processing capability
Payment and collection solutions
Confirmation
Advising
Negotiation
Guarantees
Payments
Trade finance
L/C Issuance
Reimbursement
Bilateral Key Exchange Arrangements
Discounting
8/9/2019 Consumer Bank Final Slides
63/70
Cash Management a full range of transactional banking services
ABL is uniquely positioned to meet thedemanding requirements of;
global corporate
public sector enterprises
top-tier domestic companies.
8/9/2019 Consumer Bank Final Slides
64/70
Home Remittances
rolled out its state-of-the-art e-Remittance
services to facilitate international remittancessent to Pakistan, by overseas Pakistanis.
host of options is available to non-residentPakistanis under this service
8/9/2019 Consumer Bank Final Slides
65/70
SWOT Analysis
8/9/2019 Consumer Bank Final Slides
66/70
Strengths
Along with online braches has online booths.
Branches in remote areas.
Incentives 4 their employers
8/9/2019 Consumer Bank Final Slides
67/70
Weakness
Issue credit & debit cards only for its account holders.
No financing for loans.
Far behind other banks.
Delay in introducing their products.
Branches are not properly equipped.
8/9/2019 Consumer Bank Final Slides
68/70
Opportunities
Still have a lot of area to work on.
Development of new branches.
Introducing new products n services.
8/9/2019 Consumer Bank Final Slides
69/70
Threats Less time.
More competition.
A lot of things to do to b a competitor of other
banks.
8/9/2019 Consumer Bank Final Slides
70/70