The Art of

EvolutionTurning Miles into SmilesSoneri Car Finance Launch19

Fulfilling PromisesSoneri Mehnat Wasoolin the year 201506

Sonerians CelebrateIndependence Day26Enabling The Future:Soneri GraduateTraining Program37

2015NOVEMBER

The Art of

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24/7 Phone Banking: 021-111-SONERI (766374)Over 240 branches & 262 ATMs www.soneribank.com

SoneriBankPK @SoneriBank_Pk

2015

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Editors NoteDear Sonerians,

The year of 2015 has almost come to a close, with the announcement of our third quarter profit results of Rs.2,622.22 million before tax and profit after tax of Rs.1,589.87 million for the nine months period ended 30 September 2015. As we have reached our last Soneri Roshni edition for the year, I am proud to reckon 2015 as another successful year for Soneri Bank. Our non-clichd and unconventional approach grows stronger and continues to propel the banks brand image across all marketing spectrums. Our employees grow in their dedication and commitment which is evident in the internal productivity campaigns.

Our business is on a continuing growth curve with a significant progress in the Car Finance portfolio. Soneri Car Finance has shown a 51% growth from December 2014 till August 2015 taking into account the tremendous 2nd Quarter performance that peaked at Rs.364.45 million in sales. The impact of our recent supportive Campaign launch of Car finance in September is yet to reap results as its the first time we are creating our market awareness in consumer finance.

Marketing campaigns continue to be effective and on strategy raising Soneri Banks brand image which has resulted in invaluable customer engagement and top-of-the-mind brand recall. Soneri Mehnat Wasool launched Remittance 360 ATL campaigns consistently in the year capitalizing on Ramadan, Eid-ul-Fitr and Eid-ul-Adha. Soneri Mehnat Wasool maintained a healthy business performance increase in monthly transactions with an incremental 30% growth from 2014 till today. The launch of Soneri Asaan Account reinforced our brand positioning of Roshan Har Qadam & clutter-breaking communication targeting our untapped market.

This edition also covers the festivities of Independence Day that was carried out across the Soneri network whole heartedly. Soneri Bank congratulates and appreciates all the Sonerians who competed and celebrated with zeal and enthusiasm reiterating the banks spirit and commitment to the nations unity and prosperity.

Technological advancements continue to take place; collaborations with several top-of-the-line technological organizations have taken place this year to plummet the banks technological capacities. Organizations such as Inov8 and C-Square Consulting have been brought on board to upgrade mobile banking and centralized service systems. Soneri Bank has also partnered with PTCL for embarking upon hosting the IT Data Centre Infrastructure for enhanced security and sustainability. Our management division has also carried out proactive measures pertaining to risk - curtailing setbacks at the face of contingencies that effect data, infrastructure and technology areas.

Our digital pathway is consistently capturing the youth audience on all social media platforms to build our brand equity as a future banking customer. We are proud to announce that we trended on 2nd rank for hashtag# sonehrapakistan and have now strategized to sustain our presence on ground activities for further engagement. As per our departments strategy we have carved a separate unit to sustain our digital presence and have also introduced Corporate Communications, keeping the staff informed of all our ongoing activities from campaigns to public relation activities.

Our aim is the pursuit of excellence, setting new benchmarks and staying true to our distinguished approach towards business communication.

Roshan Har Qadam

Best regards,Fariya ZaeemHead of Marketing

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A NumbersGame

Design TalksSoneri Roshni November Edition 2015

This editions theme is based on the evolution of our banking industry,which is the result of our progression in overall banking systems through

constant innovations within product and service portfolios.We exhibit this progression with linear art as our design tool.

A dynamic layout exudes a sense of transcendence withbanking related icons and directional arrows that

represent growth and future aspirations.

The TeamBehind Soneri RoshniMarketing Team - Soneri BankEditor: Fariya Zaeem (Head of Marketing)Sub Editor: Shazia Lalani (Marketing Manager)Printing: Anwar Hussain (Marketing Services Manager)Abid Saleem (Digital Marketing Officer)

Creative Team - AdcomExecutive Creative Director: Awais Iqbal Dhakan Creative Director: Mahrukh ShaikhCreative Manager: Saleha MirAssociate Creative Manager: Bilal AlviContent Manager: Suhaib A. SeraiArt Director: Fasahat Ali KhanVisualization & Design: Muhammad RizwanClient Service Director: Faraz Akhtar Laghari

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Soneri Bank announcesThird Quarter 2015 Results

Sub-EditorsNote

Soneri Bank Limited posted profit before tax of Rs.2,622.22 million and profit after tax of Rs.1,589.87 million for the nine months period ended 30 September 2015. In terms of growth PBT is up 49.86 percent and PAT by 41.92 percent over corresponding period last year. The Board in its 146th meeting held on 20 October 2015, approved the Banks third quarter financial statements. On this occasion the Chairman, Mr. Alauddin Feerasta appreciated the Banks continued strong performance during the third quarter and expressed satisfaction with results. The key drivers of higher net earnings were primarily revenue growth and managed expenses. Banks revenue increased by 22.86 percent to Rs.8.06 billion, from last years figure of Rs.6.56 billion whereas expenses increased just by 6.48 percent. Banks net assets amounted to

Rs.18.07 billion as at 30 September 2015, being 6.04 percent higher than December 2014 base of Rs.17.04 billion. Deposits grew by 7.88 percent during the nine months closing at Rs.176.11 billion (December 2014: Rs.163.25 billion) and net advances down by 5.27 percent to Rs.100.49 billion (December 2014: Rs.106.08 billion) due to seasonal factors. The Bank continues to follow a prudent policy for making provisions for the infected loan portfolio in line with regulatory requirements.

Soneri Bank has a unique market position in trade-finance and transactions banking services and boasts a loyal and satisfied client-base in all its 249 branches all over the country. The Bank is committed to meet the increasing expectations of its customers and continue to provide them par-excellence services, for which the Bank has been investing prudently in information technology, human resources, marketing and infrastructure.

Anwar HussainMarketing Services Manager

Abid SaleemDigital Marketing Officer

Shazia LalaniMarketing Manager

Dear Readers,

2015 has been a year of product marketing, Soneri Mehnat Wasool, Soneri Car Finance and Soneri Asaan Account have all been rewardingly launched across the country, contributing to a stronger brand equity and top-of-the-mind brand recall. In this edition I have received good response from the overall bank staff in contributing articles for the newsletter. I would like to thank the IT Department, Risk Management Division, Car Finance, Remittances and the HR department for their contribution. Furthermore, the response we have witnessed on the Independence Day was heartening. Everyone celebrated with great enthusiasm, specifically the staff efforts in making Pakistans flags and decorating their departments have depicted the patriotism we share as one nation. We also launched a contest on 14th August on social platforms named #SonehraPakistan which generated a high frequency of fan engagement. We Sonerians are the brand custodians of SBL and only our combined efforts can leverage the brand for the benefit of our customers and ourselves. I would like to thank everyones contribution and anticipate a better response in the next edition, the very first edition for the year 2016. Shazia LalaniMarketing Manager

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Behind the Scene Momentson the sets during the Soneri Remittance TVC Shoot.

Behind the Scene Momentson the sets during the Soneri Remittance TVC Shoot.

Behind the Scene Momentson the sets during the Soneri Remittance TVC Shoot.

Soneri Mehnat Wasoolin the year 2015

Spreading the Joy inEid-ul-Fitr

FulfillingPromises

Soneri Bank has been making a positive and significant contribution to the Home Remittance business segment since its initiation in 2012. It has signed with several international remitting organizations such as MoneyGram, Wallstreet Finance (Canada), Golden Money Transfer (USA), Al Falah Exchange (UAE), Alpine Exchange (USA) and its recent major breakthrough with Al Ansari Exchange (UAE) and Ria Money Transfer (UK) one of the worlds top remitting company. The brand name, Soneri Mehnat Wasool Remittance has been promoted through campaigns that standout in terms of unique content and communication strategy, solidifying a prominent footprint for Soneri Bank in the remittance segment.

This year, Soneri Mehnat Wasool continues to make waves with campaigns for both Eid occasions (Eid-ul-Fitr and Eid-ul-Adha). Both campaigns intelligently highlight the target audience by emotionally tying them to the product offering with real-life scenarios a result from thorough insight probing and commitment towards novelty.

The Mehnat Wasool Eid-ul-Fitr campaign beautifully captured the spirit of the transition from Ramadan to Eid throughout which families prepare for the festivities of Eid. The communication tied moments and sentiments that are relevant to families whose loved ones (breadwinners) remain far away at work during such festivities. Soneri Mehnat Wasool exceptionally bridges this gap in its communication. The Eid-ul-Fitr campaign covered a 360 degree spectrum with a TVC, radio spots, OOH, digital and print advertisements.

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Behind the Scene Momentson the sets during the Soneri Remittance TVC Shoot.

Behind the Scene Momentson the sets during the Soneri Remittance TVC Shoot.

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Behind the Scene Momentson the sets during the Soneri Remittance TVC Shoot.

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Preserving the Spirit ofEid-ul-Adha

The Eid-ul-Adha campaign was another heartwarming communication that portrayed the essence of the occasion by celebrating the joy and satisfaction of fulfilling the religious obligation of Eid-ul-Adha something that becomes unmanageable for families whose sole breadwinners work abroad.

The communication smartly highlights the products USP of instant money transfer as a rewarding solution. The media plan for the Mehnat Wasools Eid-ul-Adha campaign strategically covered large scale print and prime-time radio mediums.

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Central - I Transaction Split

Amjad Yaqoob Kayani (Acting) Muhammad Asad Khan Sajjad Arshad Butt

Amjad Yaqoob Kayani (Acting)81%

Muhammad Asad Khan10%

Sajjad Arshad Butt 9%

Central - II Transaction Split

Azizullah Abid Gul Hasnain Sajid Aziz

Azizullah Abid40%

Sajid Aziz36%

Gul Hasnain24%

North Transaction Split

Imran Nasir Fakhar Zaman Khan Syed Jehangir Ahmed

Imran Nasir56%

Syed Jehangir Ahmed22%

Fakhar Zaman Khan22%

South - I Transaction Split

Corporate Zain ul AbydeenNasrullah Khan Farhan Hassan Syed Naveed Abbas

Syed Naveed Abbas(Officiating)

35%

Nasrullah Khan13%

Farhan Hassan36%

Corporate0%

Zain ul Abydeen Khandwani16%

South - II Transaction Split

Pervaiz Ahmed Panhwar Khaleeq-ur-Rehman

Pervaiz Ahmed Panhwar91%

Khaleeq-ur-Rehman9%

Mehnat WasoolProduct Performance 2015

Soneri Mehnat Wasool has evidently maintained a healthy business performance, sustaining a high monthly average of transactions nationwide. A remarkable spike in transactions can be seen in the months of June and July, during the fruitful World Cup Hungama campaign.

Monthly Performance 2015

6000

5000

4000

3000

2000

1000

0Jan

3,945 3,746

4,389 4,702 4,312 4,9465,135

3,941

Feb Mar Apr May Jun Jul Aug

No. of Transactions 50 1,500 51-99 3,200 2000 + PKR 25 on every transaction beyond 51 100 3,500 101-199 6,450 4000 + PKR 25 on every transaction beyond 101 200 7,000 201-399 13,440 7500 + PKR 30 on every transaction beyond 201 400 14,000 401-699 25,430 15000 + PKR 35 on every transaction beyond 401 700 26,000 701-999 38,920 27000 + PKR 40 on every transaction beyond 701 1000 50,000

Max. Amount (PKR)

Qualification Criteria for RewardsWinners of World Cup Hungama Competition

Branch Name

Main Branch Wazirabad 725

Sambrial Branch Distt. Sialkot 722

Muslim Town Branch Rawalpindi 537

Shahdra Branch Lahore 459

Jaranwala Branch Distt. Faisalabad 441

Chandni Chowk Branch Rawalpindi 441

Mardan Branch Distt. Mardan 351

Ghakkar Mandi Branch Distt. Gujranwala 313

Godhpur Branch 258

Akber Chowk Branch Lahore 254

Grand Total

Mehnat WasoolWorld Cup Hungama 2015 Results

The Soneri Mehnat Wasool World Cup Hungama 2015 was a 3-month campaign launched in February. The campaign capitalized on the World Cup season offering incentives for participating customers and employees upon MoneyGram remittances through Soneri Bank branches.

A total of 72 branches won the prize amount by the qualifying minimum transactions criteria. All monetary incentives have been credited to the relevant staffs accounts.

20

15

10

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19

Amjad Yaqoob Kayani(Acting)

Muhammad Asad Khan Sajjad Arshad Butt

1 12

0

1618

00

Active vs Unproductive Branches

Last Month ZeroPaymentBranches

YTD ZeroPaymentBranches

Total Branches

20

15

10

5

01

2

1314

18

00 00

Active vs Unproductive Branches

Last Month ZeroPaymentBranches

Total Branches

Gul Hasnain Azizullah Abid Sajid Aziz

20

15

10

5

0

18

1 100

1714

Active vs Unproductive Branches

Last Month ZeroPaymentBranches

YTD ZeroPaymentBranches

Total Branches

12

Fakhar Zaman Khan Imran Nasir Syed Jehangir Ahmed

20

15

10

5

0

13

2

86

2

19

Active vs Unproductive Branches

Last Month ZeroPaymentBranches

YTD ZeroPaymentBranches

Total Branches

Khaleeq-ur-Rehman Pervaiz Ahmed Panhwar

18

16

14

12

10

8

6

4

2

0

Active vs Unproductive Branches

Last Month ZeroPaymentBranches

YTD ZeroPaymentBranches

Total Branches

17

2

0

17 17

0 0 0

2111

9

13

FarhanHassan

Syed Naveed Abbas

(Offciating)

Corporate NasrullahKhan

Zain UlAbydeen

Khandwani

1st PositionShahzad Hussain Awan(Main Branch, Wazirabad)

2nd PositionMalik Adnan(Sambrial Branch, Distt. Sialkot)

3rd PositionNaveed Iqbal(Muslim Town Branch, Rawalpindi)

Shahzad Aslam(Shahdara Branch, Lahore)

Usman Anwer(Jaranwala Branch, Faisalabad)

Zia Ur Rehman(Mardan Branch, Mardan)

Syed Fiaz Hussain Naqvi(Godhpur Branch)

Muhammad Waseem Toor(Ghakkar Mandi Branch, Gujranwala)

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Soneri Bank recently commenced operations at its newly built Expo Centre Branch in Johar Town, Lahore. With this branch opening, Soneris Learning and Development Centre has also moved to the new premises. The inauguration took place in presence of the Chairman of Soneri Bank Limited, Alauddin Feerasta, along with President & CEO of Soneri Bank Limited, Mohammad Aftab Manzoor accompanied by General Manager Muhammad Khawar Ali Shah and Head of HR Ms. Anita Lalani.

The launch of Soneri Banks new branch is a step towards the success of its valued customers who continue to put their trust in Soneri and to ensure that they receive all the financial facilities and hassle-free services provided under the banks ambit.

New Branch BrightensSoneris Presence In Lahore

Mr. Alauddin Feerasta, Chairman and Mr. Mohammad Aftab Manzoor, President & CEOinaugurating Expo Centre Branch in Johar Town, Lahore

Soneri Car Finance Launch

After its progressive business performance, Soneri Banks Car Finance has grown from strength to strength. Its first advertising campaign was recently launched in September 2015.

The campaign reached audiences through two variations of print and radio spots. Although, the communication focuses on the conventional benefits such as convenience and affordability, the Soneri Car Finance campaign

creatively wraps real-life scenarios with emotional benefits reflecting convenience, swiftness and affordability.

Soneri Car Finance also offers customers to choose; from Used or Reconditioned cars, to avail Partial Payment facility and Early Settlement facility.

Turning Milesinto Smiles

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The increase in fuel prices has undeterred the need for personal and private transportation. Car purchasing continues to grow in major cities across Pakistan. However with time, consumers have become more aware of the convenience that comes with opting for car finance. This is evident from the fact that over the past quarter, Soneri Bank has made significant progress with its Car Finance portfolio and has seen a tremendous growth in a short time, more than 51% from December 2014 till August 2015.

Soneri Car Finance Sales for the 2nd Quarter of 2015 stood at Rs. 364.45 million and sales for June 2015 (Rs. 134.20 million) was the highest-ever sales recorded in a single month.

Automation of Credit Proposal for Soneri Car FinanceTo streamline Soneri Car Finances case processing in terms of reduced turn-around-time, 100% accuracy, and to meet customers satisfaction regarding timely approval, Consumer Finance Division recently developed and implemented Excel-based Automated Credit Proposal (incorporating policy criteria) for Soneri Car Finance which is currently being used in all the branches countrywide.

Different trainings for Credit Officers and branch staff were conducted on Pan-Pakistan basis so that the Credit Proposal can be prepared automatically without any hassle.

Launch of Used and Reconditioned Car FinanceIn order to remain competitive in the current market and to increase Car Finance business, Soneri Bank has launched financing of used and reconditioned cars under the umbrella of Consumer Finance. Finance options are available for purchase of used/reconditioned cars, not more than 3 years in use from their manufacturing date.

Recognizing Top Performers Soneri Car FinanceTop 5 RHsThe following Top 5 Regional Heads made the highest volume contribution to Soneri Car Finance Sales YTD August 2015:

Top 15 BMsThe following Top 15 Branch Managers have been awarded the Certificate of Achievement based on their excellent performance during the 2nd Quarter of 2015:

In Focus:Soneri Car Finance

Khaleeq Ur Rehman South-II 95,418,150 12%Sameeullah Siddiqui (Acting) South-II 79,531,450 10%Farhan Hassan South-I 76,805,755 9%Gul Hussnain Central-II 74,244,625 9%Muhammad Azizullah Abid Central-II 71,129,719 9%

Name of Regional Head SalesContribution

(%) inTotal Sales

Group

1 Muhammad Zaheeruddin Main Branch Hyderabad (0006) South-II

2 Hassan Abbas Gulshan-e-Hadeed Branch Karachi (0106) South-I

3 Naresh Kumar Gemnani Main Branch Larkana (0210) South-II

4 Asghar Ali Peoples Colony Branch Faisalabad (0070) Central-II

5 Sheikh Naveed Mehmood Chungi Amer Sadhu Branch Lahore (0072) Central-I

6 Mehar Riaz Bahadurabad Branch Karachi (0066) South-I

7 Muhammad Junaid Noor Main Branch Multan (0022) Central-II

8 Asif Khan Ghotki Branch (0230) South-II

9 Amer Waheed Bahria Town Branch (0252) Central-I

10 Adil Amjad Latif Muzafargarh Branch Distt. Muzafargarh (0134) Central-II

11 Sameeullah Siddiqui Main Branch Sukkur (0018) South-II

12 Nadir Hussain Khuwaja Tando Bago Branch Distt. Badin (0181) South-II

13 Ravi Shanker Rajput Umerkot Branch (0183) South-II

14 Vinod Kumar Deh Udhi Thul (0239) South-II

15 Syed Saleem Shahid Shahrah-e-Faisal Branch Karachi (0031) South-I

Name of Branch ManagerS.# Group

Outstanding 970 1,013 1,079 1,165 1,242 1,314 1,409 1,429 1,462 51%

Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 GrowthFigures in Million

Rup

ees

in M

illio

n

1,500

1,400

1,300

1,200

1,100

1,000

900Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15

Soneri Car Finance Portfolio Outstanding

Outstanding

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Deposit Mobilization 2015Campaign Results

The Soneri Fly High Deposit Mobilization Campaign was initiated to amplify productivity and performance of employees within all functions through a healthy competitive spirit. The campaign promotes motivation within employees as they are urged to give the best of their abilities to reap coinciding rewards.

The campaign concluded after a 20-week run from the 16th of February to the 3rd of July 2015. An average CA deposit of Rs. 3.3 billion was generated as a result of the sheer hard work and determination of many star performers. The summary of various performances are as below:

Soneri Bank congratulates all the winners and appreciates their dedication and efforts put in throughout the campaign.

FlyingColors

Vol.Inc.Avg.

BaseName of RM

Sabikah Saeed (Central-I) Mall Lahore 9.23 21.07 11.84Main Branch, Lahore (0001) Muhammad Waqas (Central-I) City Lahore - 21.86 21.86Badian Road Branch, Lahore (0103) Akmal Ali (Central-I) Gulberg 0.21 8.42 8.21Ghazi Chowk Branch, Lahore (0061) Lahore Hafiz Junaid (Central-I) Gujranwala 24.15 31.34 7.19Ghakkar Mandi Branch Distt., Gujranwala Shahid Idrees (Central-II) Multan 8.42 36.79 28.37Mumtazabad Branch, Multan (0201) Zaheer Ul Hassan (Central-II) Faisalabad 13.1 22.88 9.78Toba Tek Singh (0229) Dilawar Khan (Central-II) Sahiwal - 10.02 10.02Chicha Watni Branch (0226) Zaheer Abbas (North) Islamabad 3.34 14.51 11.17Main Branch, Skardu (0033) Mohammad Haroon (North) Rawalpindi 18.71 29.84 11.13Swabi Branch, District Swabi (0119) Adil Rauf Raja (North) Mirpur - 9.29 9.29Jehlum Branch (0101) Naila Younus (South-I) Saddar and 2.81 34.16 31.35Malir Branch, Karachi (0065) Soc. Muhammad Nadir Khan (South-I) City Karachi 14.14 27.39 13.25Korangi Township No. 3 Branch, Karachi Shahzaib Iqbal (South-I) Nazimabad 3.91 11.96 8.05Barkat-e-Haidery Branch, Karachi (0155) Tufail Jaan (South-I) Main Branch 3.58 10.42 6.84New Town Branch, Karachi (0160) Karachi Zeeshan Mukhtiyar (South-II) Hyderabad 25.22 47.25 22.03Latifabad Branch, Hyderabad (0059) Muhammad Hussain Biharani (South-II) Nawabshah 1.6 10.69 9.09Kandkhot Branch (0240)

Region

Top BDOs from each Region

Vol.Inc.Avg.

BaseName of RM

Muhammad Ahmed (Central-I) Mall - 37.14 37.14

Main Branch, Lahore (0001) Lahore

Shoaib Nawaz (Central-II) Multan - 16.49 16.49

Main Branch, Rahim Yar Khan (0068)

Hina Kanwal (North) Islamabad 21.08 56.18 35.1

Main Branch, Islamabad (0016)

Syed Abid Raza Naqvi (South-I) City Karachi 62.82 105.2 42.38

M.A. Jinnah Road Branch, Karachi(0041)

Muhammad Sadique (South-II) Nawabshah - 18.12 18.12

Ghotki Branch (0230)

Region

Top RMs from each Group

Akhtar Khawaja (South-II) 775 1,007 232 30% 1st

Kashif Afzal (Central-I) 2,245 2,780 535 24% 2nd

Junaid Noor (Central-II) 1,402 1,636 234 17% 3rd

Aftab Alam Malik (South-I) 2,896 3,237 341 12% 4th

Sahir Afif Khan (North) 1,422 1,553 131 9% 5th

Grand Total 8,740 10,214 1,474 17%

RankingTotalGrowth %Total

AverageTotalBaseTeam Leader

Team Leader Liabilities Performance

Muhammad Khawar Ali Shah (C-I) 13,488 14,825 1,336 9.90% 1,200 136

Mr. Amjad Yaqub Kiyani (Acting) 3,234 3,465 231 7.10% 288 -57

Mr. Muhamamad Asad Khan 2,765 3,109 345 12.50% 246 99

Mr. Muhammad Ijaz Suhail 3,519 3,863 344 9.80% 313 31

Mr. Sajjad Butt 3,970 4,387 417 10.50% 353 64

Mian Asif Iqbal (C-II) 4,906 5,495 590 12.00% 700 -110

Mr. Gul Hussnain 2,199 2,519 320 14.50% 314 6

Mr. Muhammad Azizullah Abid 1,346 1,556 211 15.60% 192 19

Mr. Muhammad Khuram Shehzad (Off) 1,361 1,420 59 4.40% 194 -135

Mir Aamir Nawaz (North) 8,417 8,404 -13 -0.20% 900 -913

Mr. Fakhar Zaman Khan 3,052 3,082 30 1.00% 326 -296

Mr. Imran Nasir 4,245 4,127 -119 -2.80% 454 -573

Mr. Syed Jehangir Ahmed 1,119 1,195 75 6.70% 120 -45

Jawed Munshi (South-I) 20,092 21,277 1,185 5.90% 1,600 -415

Mr. Farhan Hassan 5,809 6,040 231 4.00% 463 -232

Mr. Nasrullah Khan 4,102 4,454 351 8.60% 327 25

Mr. Syed Naveed Abbas (Off) 5,330 5,498 168 3.20% 424 -256

Mr. Zainul Abedin Khandwani 4,850 5,285 434 9.00% 386 48

Khaleeq-ur-Rehman (South-II) 4,145 4,439 294 7.10% 500 -206

Mr. Khaleeq Ur Rehman 3,406 3,548 142 4.20% 411 -269

Mr. Khaleeq Ur Rehman 739 891 152 20.60% 89 63

(during campaign period)

Grand Total 51,048 54,439 3,391 6.60% 4,900 -1,509

Group / RegionVol.Vari-ance

Min.Avg.Inc.

%Vol.TotalAvg.TotalBase

Regions / Group Performance

Hina Kanwal North 63411 38,505,100 12Main Branch Islamabad (0016) Muhammad Asim Tahir North 63463 11,000,200 4G9 Markaz BranchIslamabad (0046) Adil Rauf Raja North 901061 10,006,000 5Jhelum Branch (0101) Farhan Bashir Rana North 63348 13,000,000.00 2Islamic Banking F-8 MarkazBranch Islamabad (0205) Farhan Bashir Rana North 63348 12,500,025 3Islamic Banking F-8 MarkazBranch Islamabad (0205) Jamal Orakzai North 63410 278,496,025 13Hayatabad Branch,Peshawar (0250)

Employee Name WeekGroup EMPNo.NTB

Deposit

Fly High! - Weekly Winners

Khaleeq-ur-RehmanTop RH - CountryTop RH - South-II

Akhtar KhawajaTop TL - South-II

Zain KhandwaniTop RH - South-I

Khawar Ali ShahTop GM - Country

Azizullah AbidRunner-up RH Country

Top RH Central-II

Kashif AfzalRunner-up TL Central-I

Asad KhanTop RH Central-I

1 Main Branch Lahore Central-I Arif Manzoor Qureshi A 1,619 2,027 408 25% 763 163 1st in A Category 1 Islamic Banking ISRA University HYD South-II Shafqat Ali Khowaja B 298 358 60 20% 1 139 1st in B Category 1 Zamzama Branch Karachi South-I Javeria Tahir C 197 270 74 37% 80 105 1st in C Category 2 M.A. Jinnah Road Branch Karachi South-I Sahabzada Syed Hafiz Junaid C 205 268 63 31% 23 142 2nd in C Category 3 Main Branch Multan Central-II Muhammad Junaid Noor C 233 290 57 24% 159 114 3rd in C Category 4 Main Branch Bahawalpur Central-II Zeeshan Mustafa C 224 275 51 23% 129 127 4th in C Category 1 Bahria Town Branch Central-I Amer Waheed D 100 150 50 50% 132 135 1st in D Category & 3rd in Country 2 Main Branch Larkana South-II Naresh Kumar D 108 131 23 22% 11 158 2nd in D Category 3 Tando Allah Yar Branch South-II Faraz Ahmed Yousfani D 126 152 26 21% 17 117 3rd in D Category 1 Azam Cloth Market Branch Central-I Ali Naqi Nawaz Khan E 78 149 72 92% 30 100 1st in E Category & 1st in Country 2 Toba Tek Singh Central-II Waseem Hussain E 67 117 50 75% 65 116 2nd in E Category 3 Badian Road Branch Lahore Central-I Muhammad Tariq E 96 149 53 55% 53 101 3rd in E Category 4 Mian Channu Branch Central-II Muhammad Ahmad E 78 104 27 34% 4 148 4th in E Category 1 Sheikhoo Sugar Mills Kot Addu Central-II Umair Raza F 52 93 41 79% 57 101 1st in F Category & 2nd in Country 2 Kandkhot Branch South-II Ghulam Yasin F 9 27 18 194% 16 115 2nd in F Category 3 Jalal Pur Bhattian Central-II Muhammad Naeem F 13 29 15 115% 27 200 3rd in F Category 4 Panjhatti Branch, Distt. Khairpur South-II Fahad Soomro F 53 66 13 24% 5 102 4th in F Category

TotalBase(M)

TotalAvg.(M)

June 15Budget

Variance(M)

Branch NameS. # % NTBsGroup Cate-goryVol.(M)BM Name Ranking

Category-wise Winner Branches

Category A

Category B

Category C

Category D

Category E

Category F (based upon volume additions)

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You are sitting in your office, everythings in order, you are confident, but, all of a sudden - you face a contingency. No one can predict the future, contingencies never inform before showing up. However, you can coup with a sound business continuity plan.

A business continuity plan is about identifying the functions of your bank that you cannot afford to lose; such as customer data, infrastructure, technology, staff, etc. and planning on how to maintain them, if an incident occurs.

Any contingency, major or minor, whether it is natural, intentional or unintentional, can cause major disruption to your bank. But if we make a contingency strategy now, rather than waiting for it to happen, we will be capable to get back to routine operations in the plausible time. Delays can cost us our valuable business to our competitors or even worse, losing the confidence of our customers.

Today, banks exist in a highly competitive market segment. They continuously revolutionize to achieve business objectives through strategies for providing essential and unique services to their customers. Getting a plan in place shows your employees, shareholders and customers that you are a proactive organization; it improves overall efficiency and helps you allocate the right financial and human resources to keep your bank up and running during a serious disruption.

Business continuity and disaster recovery planning are not new concepts in the business world, but the act of consciously assessing and planning for potential problems certainly has been underscored in disastrous events in the past decade including fire, earthquakes, tsunamis, hurricanes, typhoons, and terrorist attacks. Banks need to plan for potential disasters that will impact their ability to continue operations, revenue and profit generation. Without a plan to recover, no matter how large or small, any bank can fail miserably.

Risk Management DivisionThe Operational Risk Team devised and implemented a bank-wide business continuity plan. It is the act of proactively working out a way to prevent, if possible, and manage consequences of a disaster, limiting it to the extent by which a business can afford.

BCP Awareness SessionsRMD Operational Risk successfully conducts BCP awareness sessions for branch operations managers for the South region;

Other than these sessions, RMD Ops Team also conducts BCP Awareness sessions to business and support functions as well prior to their BCP mock drills.

RMD efforts for BCP Implementation across Soneri BankA BCP mock drill ensures that policies and its framework are validated by all SBL staff members. A business contingency plan cannot be considered reliable until it is exercised and proved practical. The mock drill involves: validating plans; rehearsing staff members; and testing systems which are relied upon to deliver resilience.

BCP Status After covering many of the branches and departments/divisions, RMD has planned to conduct the training and testing of the Northand Central Region by the end of 2015.

Recent Activities

Finance Division RMD Ops Team conducted a BCP contingency testing at Central Office Finance Division in the presence of audit/security representatives. This activity was designed in a way to test the Finance Division staff members for earthquake and bomb threat contingency so they can get the most out of it. Finance Division critical staff members relocated to its BCP back site at the Allama Iqbal Road Branch Karachi and performed their routine functions successfully.

Service Quality DepartmentThe high cost of the service quality department downtime plus the loss of valuable information and equipment means that our bank does not survive a major/minor contingency. RMD Ops Risk Business Continuity Planning can help reduce those losses and may be what keeps our bank in existence. RMD Ops Team achieved another milestone to resume most critical and complex function with the help of the BCP contingency test at Al Rahim Tower Service Quality Department.

The service quality departments critical staff relocated to its BCP site at SMCH Branch Karachi and attended inbound customer calls and resolved their queries.

Article contributed by: Muhammad Asim Chishti Operational Risk Risk Management Division

Contingency Soneri BanksBusiness Continuity Plan (BCP)

Rup

ees

in M

illio

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1009080706050403020100

South Central North Business / SupportFunctions

Total BCP Tested

9398

60

32

49

3225

22

Banks need to be prepared for a wide variety of events that could impact its operations and profit generation.

HR Learning and Training Division - Karachi 48ISRA University Branch - Hyderabad 17Total No. of BOMs Trained 65

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Sonerians CelebrateIndependence Day

Best Decked Branch/DepartmentSurrounded by festivities, Sonerians from all regions competed within their departments as well as with other branches to best decorate the office premises. The Service Quality Department at Soneris Head Office deserved the first place for their colourful and creative decorations.

Head Office (Winners)Service Quality Department

Head Office (Runners-up)Treasury Department

North Mansehra Road Branch, Abbotabad

Central I Mall Branch, Lahore

Central IIMain Branch, Multan

South IAllama Iqbal Road Branch, Karachi

South IILatifabad Branch, Hyderabad

Soneri Bank motivates its employees to grow in a dynamic environment, which is evident from its culture that encourages celebrations and activities on important occasions, especially the Independence Day. Sonerians are encouraged to step up and participate in a festive environment where employees can engage in productive

and fun-filled activities. This year Soneri Bank saw its employees participate with the same zeal and vigour. The entire Soneri network wore green/white apparels and competed in exciting competitions.

Service Quality Department Service Quality Department

Mall Branch, LahoreMall Branch, Lahore

Treasury Department Treasury Department

Mansehra Road Branch, Abbotabad Mansehra Road Branch, Abbotabad

Mansehra Road Branch, Abbotabad Mansehra Road Branch, Abbotabad

Mall Branch, Lahore Main Branch, Multan

Main Branch, Multan Main Branch, Multan

Admin Department

Allama Iqbal Road Branch, Karachi Allama Iqbal Road Branch, Karachi

Latifabad Branch, Hyderabad

Independence Day CelebrationsNationwide Branch Network, Soneri Bank Limited

Independence Day CelebrationsNationwide Branch Network, Soneri Bank Limited

Allama Iqbal Road Branch, Karachi

Latifabad Branch, Hyderabad Latifabad Branch, Hyderabad

Admin Department

Al Rahim Tower Branch Al Rahim Tower Branch

Al Rahim Tower Branch CCG Department

CCG Department CCG Department

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Independence Day CelebrationsCentral Office Karachi, Soneri Bank Limited

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Independence Day CelebrationsNationwide Branch Network, Soneri Bank Limited

Quiz Series at SoneriBesides other activities, a series of quizzes were held at all Soneri Bank branches to commemorate Independence Day. Sonerians participated to test their knowledge of Pakistans history and how well-versed they were in facts about their country. Winners who scored the highest points were awarded with special prizes. Quiz 1Muhammad Riaz (Pak Pattan Branch) Syed Muhammad Kashan (Consumer Asset Operations)Sohail Akram (Information Technology)

Quiz 2Mir Azfar Usman (DHA Phase-II Extension Branch, Islamabad)Rana Zeeshan Ahmed (Centralized Operations)Amir Ali Salim Hussein (Jodia Bazar, Karachi)

Quiz 3Farhan M. Shamsuz Zaman (Gulistan-e-JoharBranch, Karachi)Asif Munawer (Finance)Zulqarnain Abbas (Kabirwala Branch, District Khanewal)

Quiz 4Aitzaz Azeem (Circular Road Branch, Lahore)Karimullah Baig (F. B. Industrial Area Branch, Karachi)Muhammad Adnan (Internal Audit)

Quiz 5Atiq Ahmed (Main Branch, Faisalabad)Syed Maisam Ali Rizvi (AKU Branch, Karachi)Shiraz Ahmed Mughal (Main Branch, Hyderabad)

I.T. Department

I.T. Department

Industrial Area, North Karachi Branch

I.T. Department

I.T. Department

Industrial Area, North Karachi Branch

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Best Decorated FlagAs part of Independence Day celebrations, Sonerians from all branches were encouraged to compete in the Best Decorated Flag competition, in which departments showed their creativity by assembling scrap materials with a spark of ingenuity. The IT department displayed exceptional devotion and won the competition for their team work.

Most Creative FlagInformation Technology Department

WinnersTie between Malir Branch & Enquiry Office Branch,Nazimabad No. 2

1st Runners-upTie between Credit Department & Mian Channu Branch

2nd Runners-upTie between Islampura Branch & Deh Sonhar Badin Branch

Information Technology Department Malir Branch, Karachi

Enquiry Office Branch, Nazimabad No. 2, Karachi Credit Department

Mian Channu Branch Islampura Branch

Deh Sonhar Badin Branch Aga Khan University Branch

Allama Iqbal Road Branch, Karachi ATM Monitoring & Support Department

Buhara Branch CCG Department

CCU Department Centralize Account Opening Department

Centralized Government Security Department Centralized Remittance Department

Consumer Asset Operations Department Expo Centre Branch, Lahore

Independence Day CelebrationsNationwide Branch Network, Soneri Bank Limited

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Godhpur Branch, Sialkot G.T. Road, Manga Mandi Branch

Gulbahar Branch Haidery Branch

Haroonabad Branch HR Department

Islamic Branch, Shah Rukn-e-Alam Branch, Multan Kamokee Branch

Main Branch, Hyderabad Main Branch, Lahore

Main Branch, Multan Main Branch, Sukkur

Main Branch, Mirpur, Azad Kashmir Muslim Town, Rawalpindi

Muzaffargarh Branch Industrial Area Branch, North Karachi

Peoples Colony, Faisalabad Service Quality Department

Treasury Department Zamzama Branch

Independence Day CelebrationsNationwide Branch Network, Soneri Bank Limited

Independence Day CelebrationsNationwide Branch Network, Soneri Bank Limited

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Mr. Javed H. Siddiqi Addresses at the Summit Yet Again

Risk Minds Asia is the worlds leading risk management event that yearly offers risk managers a promising opportunity for connecting with and learning from the best risk professionals across the globe. It comes with great delight, that Mr. Javed H. Siddiqi, Head of Risk Management Division was invited once again by the prestigious Risk Minds Asia conference as an authoritative speaker, held in Hong Kong from 12 to 15 October, 2014.

Examining the most pressing strategic, technical & regulatory issues faced by risk managers today,Mr. Javed H. Siddiqi was requested to address the audience on the conferences first day; Monday 12th October, 2014 at the Regulation Summit on Examining the Impact of Regulatory Change for Market Liquidity, Systemic Risk & Financial Inclusion.

Mr. Javed H. Siddiqi has more than 24 years of experience in the areas of Stress Testing Framework & Methodologies, Quantitative Risk Analysis, Enterprise Risk Management, Basel II & Basel III implementation, ICAAP Reporting and Capital Planning / Management.

Risk Minds Asia 2014 event addressed three aspects: the Regulatory, the Strategic and the Technical challenges faced by risk managers today.

Some of the key speakers in the conference were:

Andrew ShengChief Advisor, CHINA BANKING REGULATORY COMMISSION

Lou PingChairman Supervisory Board, BANK OF KUNLUN

Javed H. SiddiqiHead of Risk Management,SONERI BANK LIMITED

Didier BlanchardManaging Director & Head of Global Risk Measurement,SOCITGNRALE

Karin BoonlertvanichHead of Central Treasury Department,KASIKORN BANK

Vanessa Le LeslDeputy Head, Office of Regulatory Affairs, Asia Pacific, JP MORGAN

Shaji ChandrasenanDirector & Specialist Leader, Risk Management & Financial Risk Supervision,MONETARY AUTHORITY OF SINGAPORE

Keith NoyesRegional Director, Asia Pacific,INTERNATIONAL SWAPS & DERIVATIVES ASSOCIATION, INC.

Bob MainprizeChief Risk Officer, Asia Pacific,BARCLAYS

Risk MindsAsia 2014

Credit Administration Department The MilestoneIf You Want To Go Fast, Go Alone. If You Want To Go Far, Go Together.

A good credit operations and documentation support shop is a mandatory requirement in all banks to ensure maintenance of the credit discipline as per the guidelines and policies. The State Bank of Pakistan issued their guidelines on risk management vide BSD-7 dated August 15, 2003 that required the banks to formulate and implement a well-defined credit policy and to develop systems, procedures and related organizational structure to measure, monitor and control credit risk. The loan origination function has been given key importance which should be subsequently strengthened by credit administration function. Such function should ensure that the credit activities are in compliance with the banks policies and procedures. It is basically a back office function, responsible for providing support in controlling the extension and maintenance of the credit.

In light of the above guidelines, the banks Credit Policy was revised and approved by the Board of Directors in its meeting held on 31st August, 2012. Subsequent to the policy, a revised credit manual was circulated as well in order to improve the credit processes and compliance of the defined procedures is mandatory for all bank staff associated with credit processes.

As required in the Credit Policy, a Credit Administration Department was established as part of Credit Division and centralization of the credit processing was implemented in 2013 under the guidance of Mr. Akbar Raza, Head of CAD. A Service Level Agreement was signed between Credit Division and Business Groups for ensuring smooth functioning of CAD and providing quality services to our customers.

Since 2013, CAD has been made fully functional in a phased manner and is controlling the credit processes

through our CAD Centre in the South Region managed by Mr. Muhammad Nawaz Khan, in Central-I Region by Mr. Nadeem Haider Naqvi, in Central-II Region by Mr. Muhammad Aamir Shakir and in North Region by Mr. Muhammad Rafiq. A team of highly experienced and talented personnel has been positioned at these centres. The team is looking after all credit processes, including: support in credit and collateral documentation, credit operations and monitoring, assistance in other daily credit processes involving operational and legal aspects.

CAD is independent of the business groups. The branches regularly interact with customers for strengthened client-business relationships. This has helped in improving the overall credit performance of the bank. The business groups are likely to generate more of the credit business in accordance with the guidance of Credit Division. The positive difference is pretty obvious if we compare the position with previous years. Business Groups are now primarily indulged in enhancing the credit portfolio of the bank. Subsequently, CAD caters the requirements of all credit functions from extending the credit to adjustment of the same. CAD ensures that all the credit covenants are complied with by the branches in order to avoid any issues in the performing loans. Due to country-wide centralization of credit processes, CAD is able to implement uniform credit practices in all regions and it has helped in ensuring effective loan monitoring at all ends. This has created a great working relationship environment with the business groups and CAD is able to effectively render its services, subsequently reducing the turn-around time while ensuring that the policies and procedures as advised by the regulatory and senior management of the bank are being complied with.

CAD is responsible for maintaining country-wide credit disbursement control and it issues Disbursement Authorization Certificate (DAC) for the credit facilities after

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Enabling The Future:Soneri Graduate Training Program

ensuring that the credit facilities are being approved as per the approved discretionary powers, the documentation is complete, the collaterals have been obtained, all the covenants have been complied with and approvals are in place for deferrals or waivers.

Credit documentation institutes the relationship between the bank and the borrower. The facility, collateral and legal documentation are essential to be obtained by the customers. Business Units submit the same to CAD for ensuring the completeness as per the approved terms and conditions. Presently, tracking for the required documents is quite easy as the CAD circulates the exception reports to the business groups for their necessary actions. CAD subsequently performs the function of safe custodian of securities, facility and security documentation. The control of shares pledged with our bank against borrowing relationships lies with CAD as well through CDC and monitoring of the loan portfolio against pledged shares is being monitored and circulated to the relevant groups on daily basis.

After centralization, CAD is responsible for allowing drawdown in the facilities of the borrowers. These loans are further monitored by CAD and if any anomaly or variance/deviation from the approved terms and conditions is found then the same are communicated to the business units for executing the remedial measures. Pricing of the credit portfolio is being administered as well and branches are asked for rectifications, if required.

In order to ensure that the business units are able to perform their respective credit processes timely and efficiently, CAD supports them by providing information regarding the required approvals, valuations, insurances, pledge related issues etc. It depicts a clear picture of the performing loans to the business units that subsequently resolve the queries for ensuring smooth credit operations in the borrowers accounts. Consortium finances of SBL are being monitored and reviewed by CAD in accordance with the approvals and in effective liaison with CIBG.

CAD is effectively managing the banks Export Finance Scheme and Islamic Export Refinance Scheme limits with the State Bank of Pakistan. Branches obtain clearance from CAD for borrowing cases before submission of the same to the SBP. With the support of business units, this process has helped CAD to maintain and monitor the overall banks borrowing exposure with SBP.

CAD is responsible for monitoring the relationships with the credit vendors such as muqaddams on our pledged sites. CAD provides joint approvals with the business units in order to maintain allocation of various muqaddams as per our approved panels. SBL relationships with other vendors for specified credit services are being catered by CAD as well.

A major portfolio of our performing loans is against the pledge of imported and local commodities. Such loans are being monitored by CAD for ensuring that our banks policies related to pledge-based financing are being complied with in true letter and spirit. Such portfolio also needs to be insured at all times and CAD ensures that the detailed information of anomalies in the insurance of the financing portfolio as well as in the outstanding loans against pledged commodities are being monitored and forwarded to the business units for rectification. In compliance of the R-5 of SBP Prudential Regulations for Corporate/Commercial Banking, CAD also corresponds with the business units for conducting joint inspections of the pledged stocks.

Apart from all the activities performed by CAD, The CAD maintains its close liaison with various departments including Corporate and Investment Banking Group (CIBG), Commercial and Retail Banking Group (CRBG), Information Technology Division, Finance Division, Treasury and FI Group, Centralized Clearing Unit, Centralized Trade Operations, Centralized Operations and other related departments to ensure smooth processing of Business As Usual (BAU).

CAD also provides its assistance to Remedial Management Department for cases under litigation and recovery. CAD also provides trainings and credit management consultancy to the business groups as well.

CAD is currently processing various system developments with the help of ITD and vendors. After implementation of the same, the service quality will definitely improve further and will be resultant in monitoring the portfolio more efficiently.

Business Groups and Credit/CAD are necessary legs of every credit process and the efforts from both ends are always in place. This close association between the departments helps to ensure that the bank has a quality credit portfolio. It certainly helps to enhance the profitability of the bank and nevertheless, it is all possible due to extensive support and guidance from the senior management including Mr. Mubarik Ali, Country Credit Head and Mr. Akbar Raza, Head of CAD. We look forward to another successful year by surpassing the milestones.

Article contributed by: Usama Khan Senior Credit Operations Officer

Soneri Bank aims to develop its future Operation Managers in order to supply high quality workforce for its Operations team. In this regard, the Trainee Officer Batch #49 was on-boarded earlier this year. Recruitment drives were initiated across placement centres and interactive presentation sessions were conducted in renowned HEC recognized universities of Karachi, Lahore, Hyderabad & Multan.

After a rigorous process of aptitude tests and panel interviews, 50 fresh graduates (25 each from South and Central regions) officially joined the training program. The batchs initial classroom training focused on developing their operational and soft skills, thus familiarizing them with the work culture. Upon completion, a passing out ceremony was organized for the participants and was followed by lunch with the Head of Operations and his senior team.

Once the candidates completed their theoretical training, they were assigned to various branches for further on-the-job training.

The journey was thoroughly enjoyed by the participants who agreed that the training program gave them great exposure, motivated them to perform with a positive attitude and served as a platform to excel in their future job roles.

Soneri Bank wishes the Trainee Officers a successful career in their respective roles.

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An iftar and dinner event was held at the Pearl Continental, Karachi on behalf of Mustaqeem - Soneri Banks Islamic Banking umbrella brand. Prominent Soneri customers, top

management officials from the industry and their families were invited. The event was branded with collaterals of Mustaqeem.

Iftar in the Name of Mustaqeem

Upscaling Customer ExperienceSoneri Bank Technology Group, on its mission to continuously innovate and enhance customer service, has invested in the worlds leading technology by setting up the countrys first Contact Centre on Cloud Computing. The move will provide Soneri Bank customers with an entirely new and rich experience. The Centre is powered by world-class Genesys Telecommunication Contact Center and Enterprise wide Avantage CRM by C-SQUARE and hosted on reliable Cloud Computing run by RapidCompute (a division of Cybernet). This platform will allow Soneri Bank to provide consistent customer service along all touch points.

Information on the Move: Switching Data CentersGiven the dynamic operational environment in which todays data centers operate, wherein applications and data in the production environment is changing constantly and being replicated to a remote DR facility on a regular basis, it becomes even more important to look at all the facets of the IT environment and carefully execute the migration strategy.

The IT services of Soneri Bank required Tier-III (service availability up to 99.982%) data center facility which involves heavy investment and high operating cost which did not seem feasible in the current banking industry scenario. As technology services evolved, multiple service providers now offer Tier III data center hosting services for Primary and DR site to organizations.

Keeping in view the critical nature of facility and dependency involved, multinational organizations and local financial institutions have started to acquire hosting facilities from the service providers in Pakistan. A similar idea was presented to the management for hosting the data center Primary and DR-Site functions with the best industry outsourcing vendor; and to implement virtualization techniques to consolidate the infrastructure with it.

After thorough research and analysis of industry best service providers, Soneris management approved PTCL Commercial Data Center and Multinet to host its Production Data Center and DR-Site respectively.

For Primary Data Center migration, the signing ceremony was held on 9th December 2014 with Pakistan Telecommunication Company Limited (PTCL), the project of re-location was initiated in December 2014 and with pre-eminent efforts by the Technology team, the project was completed in the month of June 2015.

For Disaster Recovery/Secondary data center migration, the project of re-location was initiated in April 2015 and in record time, completed in July 2015.

Revolutionizing Bankingthrough Technology

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IT Premier League (ITPL)

The SoneriSportsmanship

Infra Challengers 4 3 1 Winning Team ADC & OPs Royals 3 2 1 Runner-up IS Super King 3 1 2 -Security Knight Riders 2 - 2 -

Team Wins RankingMatches Losses

Latest inTechnologyEye tracking in computers may soon become gamers realityIf the latest announcements about the Assassins Creed game are anything to go by, eye tracking will become a commonplace feature in future gaming. Eye trackers provide computers with a users gaze position in real time by tracking the position of their pupils. The trackers can either be worn directly on the users face, like glasses, or placed in front of them, such as beneath a computer monitor.

Worlds first mind-reading and memory recording MRI scanThe first ever commercial brain scan for the purpose of recording thoughts and memories for future playback took place in September. The inaugural patient of Millennium Magnetic Technologies (MMT) thought recording technology was software developer Anthony Broussard from Houston Texas, who paid around 1,200 to have his memories preserved.

A US-based neuroethology startup became the first company to commercialize the recording and storing of human thoughts. Donald Marks, Founder and Chief Science Officer of MMT called the process mind reading instead of thought identification. He said that the visual reconstruction of thoughts is in its developing stage but the data is definitely there and it will get better with time.

He further said, In the future we'll be able to reconstruct the data we have now much better."

Harry Potters invisibility cloak may now exist in real lifeScientists at the University of Cambridge developed a new method to manufacture invisible "metamaterials" using lasers, leading to the possibility of invisibility cloaks.

A new method of creating "metamaterials" on a large scale could pave the way for cloaking devices (CC)Using an unfocussed laser light to stitch particles of gold together, the researchers created a material that reflected light through inverse refraction, making objects covered by it appear invisible. Like a lot of technology in this field, the cloaking device is most likely to find its first applications in the military.

Tech facts that might surprise youIn a world run by internet connectivity for all aspects of life, from efficient work operations and management to social networking connections, it is no surprise that information is the foundation of our collective future. That being said, here are some quirky facts about technology:

1. On eBay, there is an average of $680 worth of transactions every second.

2. 91% of all adults have their mobile phone within arms reach every hour of every day.

3. There are 6.8 billion people on the planet and 4 billion of them use a mobile phone. Only 3.5 billion of them use a toothbrush.

4. Hewlett Packard, Microsoft, as well as Apple have one not so obvious thing in common they were all started in a garage.

Soneri Bank as an organization promotes a healthy work-life balance for its employees. In the same spirit, one of the regular features of its culture include recreational sports, like Cricket. It is a stimulating exercise that focuses on the 5Cs of Soneris work environment: Competence, confidence, connections, character, and caring.

The IT division arranged an intra-departmental cricket tournament, famously called the IT Premier League (ITPL) held on May 15, 2015 at Eid-Gah Ground Nazimabad.

About sixes matches were played among the cricket teams. Departments were divided into four teams:

ADC & OPs Royals Security Knight Riders Infra Challengers IS Super Kings

All the team members were gathered on the cricket ground at 9:30 a.m., ready to take on the others to win the tournament cup.

In a tremendous display of sportsmanship and endurance, Infra Challengers faced ADC & OPS Royals in the final match and after an electrifying performance; Infra

Challengers beat their opponent team with 12 runs, claiming the ITPL shield. ADC & OPs Royals made great efforts and were awarded the ITPL Runner-up shield. The memorable intra-departmental cricket tournament came to an end with a closing note from Chief Guest CIO SBL and award ceremony.

Statistics of the Tournament:

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5. 25% of Americans use only a mobile device to use the internet.

6. Every minute, 100 hours of video are uploaded on YouTube by individual users.

7. There are 271 million mobile subscribers within the United States alone, and the numbers are quickly growing.

8. Two hundred and twenty million tons of old computers and other technology devices are trashed in the United States each year.

9. 90% of text messages are read within three minutes of being delivered.

10. 30 million individuals watch television programming from their mobile phones.

11. The average 21 year old has spent 5,000 hours playing video games, sent 250,000 emails, instant messages, and text messages, and has spent 10,000 hours on a mobile phone alone.

12. The first personal computer was created by Berkeley Enterprises. Affectionately referred to as Simon, it sold for a pricey $300 in 1950.

13. It has been 40 years since the worlds first mobile phone call successfully took place.

14. On average, technology users carry 2.9 devices on them at all times.

15. There are 350 million Snapchat messages sent every day.

16. Since the companys inception, there have been 144.7 million individual visitors to Facebook, making it the most visited social networking site as of June 2013.

17. RadioShack was one of the first companies to start the personal computer revolution, back in 1970, with its TRS-80.

18. The first mouse was invented by Douglas Engelbart in 1963; it consisted of a hard wooden shell and two clunky metal wheels.

19. Of the 60 billion emails that are sent on a daily basis, 97% are considered spam.

20. The first cell phone sold in the United States the Motorola DynaTAC 8000X was designed by Rudy Krolopp in April of 1984. It weighed two pounds.

21. Google handles an estimated 1 billion search queries each and every day, releasing almost 200 tons of CO2 per day.

22. There are 500 apps added each day to the Windows Phone Store.

And most importantly 23. The man known as the Father of Information Theory,

Claude Shannon, invented the digital circuit the foundation of the magic that provides us all access to the Internet today during his masters degree program, when he was just 21 years old.

Article contributed by: Mir Tehmeed SVP - Head, Service Management & Projects

Pakistan is one of the greatest exporters of mangoes across the globe. There are about 15 varieties of the "King of the Fruits" in the country. Celebrating summers is incomplete without having a mango fiesta, and this tradition is organized annually by the IT department, in a splendid manner.

The Mango Fiesta was held on June 17, 2015 in the IT division Meeting Room.

To diversify the menu and make it more appetizing and tempting, IT division added Arabi Paratha as well. Fresh juicy mangoes and crispy delicious Arabi Parathas were

served all around. It was a joyful and unforgettable event joined by all the employees.

Celebrating Summers:Mango Fiesta 2015

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Soneri Bank Limited is embarking upon hosting the I.T. Data Centre Infrastructure at the PTCLs Tier-III Data Center Site in Karachi. The PTCL Data Centre is equipped with state-of-the-art facility which includes electrical power (UPS & Genset), precision cooling and rack space with committed sustenance and veracity, thus, augmenting uptime and minimizing risks. The bank will only avail the mentioned facilities, the ownership and governance of the I.T. infrastructure/equipment will remain with the bank.

This is a commendable initiative taken by Soneri Banks technology team for the mutual benefits of both bank and customers, as this will provide a good response time, sustainability and a more secured platform which will enhance the sense of security and reliability in our valued customers.

PTCL & Soneri Bank IT DepartmentSigning Ceremony

First row from left to right: Mr. Ahmed Saqib Asad, Chief Information Officer (SBL); Mr. Kamal Ahmed, Chief Digital Services Officer (PTCL);Mr. Mohammad Aftab Manzoor, President & CEO (SBL); Mr. Amin A. Feerasta, Chief Risk Officer (SBL).

Second row from left to right: Mr. Abbas A. Bhatti, Manager Corporate Services (PTCL); Mr. Mirza Sajid Baig, GM Corporate Services (PTCL);Mr. Noman Muzaffar, Head Infrastructure Services (SBL); Mr. Khalid Aziz, Senior Manager Corporate Services (PTCL)

at Signing Ceremony of Soneri Bank Ltd. and PTCL on 9th Dec 2014.

Soneris 1st Cloud ComputingContact Center

In a momentous signing ceremony, Soneri Bank proved its determination to continually improve its services by setting up the first Multi-Channel Cloud Contact Center.

Cloud Computing allows smoother customer experience and minimizes need for physical storage, an investment that Soneri Banks management has put careful thought

into before settling for one of the best CRM solutions to be hosted on Cloud with C-Square Consulting as their partner.

The deal was signed with C-Square Consulting in a grand ceremony attended by senior management from both parties amidst great applause.

Soneri meetsC-Square

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Soneri enters a partnership with Inov8

Lighting the Pathto Mobile Banking

First row from right to left: Ahmed Saqib Asad, Chief Information Officer (Soneri Bank); Amin A. Feerasta, Chief Operating Officer (Soneri Bank);Hasnain A. Sheikh, Chairman & CEO (Inov8); Muhammad Aqib Zulfiqar, BOD & CFO (Inov8); Farooq H. Sikander, Executive Consultant (Inov8).

Second row from right to left: Anwaar Ahmed, Head E-Banking (Soneri Bank); Mir Tehmeed, Head IT Service Management and Projects (Soneri Bank); Taha Imam, Business Strategy Officer (Inov8); Mohammad Nawaz, Product Manager and Business Head Retail Solutions (Inov8).

A ceremony was held in August at the Karachi Stock Exchange to list its 2nd Term Finance Certificates (TFC). Soneri Bank Limited successfully raised PKR 3,000 million through this TFC. Of the total issuance amount, PKR 2,250 million were raised through private placement and the remaining amount of PKR 750 million was raised through the initial public offering.

The total demand received was PKR 3,810 million against total issue size of PKR 3,000 million, oversubscribed by PKR 810 million or 1.3x times. Arif Habib Limited was the Lead Advisor, Arranger & Underwriter for the Transaction.

According to KSE, the trading in the TFC commenced on August 19, 2015. Transactions will take place in Soneri Bank Limiteds TFCs through the Bonds Automatic Trading System and will be settled on a T+1 basis. All transactions will be settled through the National Clearing Company of Pakistan Limited, which has assigned SNBLTFC2 as the symbol.

Mr. Mohammad Aftab Manzoor, President & CEO, Soneri Bank Limited; Mr. Amin A. Feerasta, COO, Soneri Bank Limited; Ms. Anjum Hai, CFO, Soneri Bank Limited; Mr. Muhammad Altaf Butt, Company Secretary, Soneri Bank Limited; Mr. Nadeem Naqvi, Managing Director,

Karachi Stock Exchange; Mr. Arif Habib, Chairman, Arif Habib Group; Mr. Nasim Beg, CEO, Arif Habib Consultancy; Mr. Shahid Habib, CEO, Arif Habib Limited; Mr. Kashif Shah, Managing Director, Investment Banking, Arif Habib Limited, were present on the occasion.

Soneri Bank Limited continues to operate through a network of 247 branches including 15 Islamic banking branches in Pakistan in order to provide consumers, corporations, institutions and governments with a broad spectrum of financial products and services, including corporate and investment banking, consumer banking and credit, securities brokerage, commercial, agricultural, Islamic and asset financing.

The 2nd Term Finance CertificatesListed at Karachi Stock Exchange

On September 4, 2015, in an effort to provide its customers with further convenience and mobility, Soneri Bank partnered with Inov8 Limited for a superior Mobile Financial Services (MFS) platform.

Keeping in mind the evolving usage patterns in technology, mobility has become everything for banks and other financial institutions. With Inov8s MicroBank and award winning Falcon platform, mobile banking facilities can be accessible to Soneri Banks fast growing number of customers. This will be made available via the Pinnacle MFS cloud platform, one of the first secure Mobile Financial Services cloud platforms in the world.

Mr. Ahmed Saqib Asad Chief Information Officer (CIO) Soneri Bank speaking at the occasion said Soneri Bank is now aiming to provide a new level of experience to our customers via transforming the technological platform up to the international standard and this is one more step towards achieving the milestone. This forum will further allow Soneri Bank to provide greater customer experience with variety of product just a touch away.

Inov8s Chairman and CEO, Hasnain A. Sheikh, commented, We are delighted to be working with Soneri Bank, and helping shape its future with world class mobile and digital financial services via MFS cloud platform Pinnacle.

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Soneri Bank has always strived to nurture an environment of trust among employees as well as with customers. The Bank expects its employees and associated staff to adhere to the highest standards of morality and modesty which is hoped to be reflected in each Sonerians work ethic and during interaction with peers, colleagues and customers.

Soneri Bank is proud to acknowledge the adherence of High Moral Standards of its genuine employee Laila Abdul Raheem Shalwani, who returned a misplaced pouch containing 7,300 Canadian Dollars to a customer at our Garden East Branch. Soneri Bank is proud of possessing custodians who promote honesty and morality.

Keeping Up with theSoneri High Moral Standards Code

In the spirit of promoting the sport of Golf while portraying an optimistic and dynamic image, Soneri Bank has sponsored Mr. Mohammad Saqlain to play in golf tournaments. Saqlain has represented Soneri Bank in numerous tournaments across various cities.

Setting a Footprintin Golf

Tournament Detail City Date

Bolan Open Quetta Golf Club 12 to 14 June 2015

CNS Open Karachi Golf Club 6 to 9 Aug 2015

Sindh Open Arabian Sea Country Club 13 to 16 Aug 2015

Independence Day Cup Open DHA Golf Club, Karachi 21 to 23 Aug 2015

Prime Minster Open Rawalpindi Golf Club 8 to 11 Oct 2015

Punjab Open Defence Raya Lahore 16 to 18 Oct 2015

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The Launch of Soneri Asaan Account

Enlightening Liveswith Easy BankingIn a fast paced world where growing aspirations and daily challenges claim most of our time, banking is a blessing that offers us convenience in many aspects. It is a privilege everyone deserves which is why Soneri Bank launched the Soneri Asaan Account, an account tailored for the masses. The Soneri Asaan Account perfectly complements house wives, students, skilled workers and those who look towards an easier banking experience.

Soneri Bank captures the essence of a hassle-free life through the comforts of banking and translates it into a gripping campaign. The print campaign is a result of thorough insights combined with clutter-free designs and a fresh angle of content.

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With Every SoneriDawn, I am Enlightened!

To have all your hassles taken care of with absolute ease, can really be a boost of self-enlightenment. This is exactly what Soneri Bank aims to offer with the all new Soneri Asaan Account.

Easy, and for all, Soneri Asaan Account gives you the convenience and simplicity of owning your own account along with the confidence of being a force to be reckoned with. So open your Soneri Asaan Account and see the light of Soneri shine on you.

Choose from Asaan Current or Asaan Savings account

Open an account with minimum documentation No minimum balance required Free Accidental Insurance Coverage on Asaan Current Account SMS Alerts Mobile & Internet Banking facilities Free Visa Debit Card*

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To have all your hassles taken care of with absolute ease, can really be a boost of self-enlightenment. This is exactly what Soneri Bank aims to offer with the all new Soneri Asaan Account.

Easy, and for all, Soneri Asaan Account gives you the convenience and simplicity of owning your own account along with the confidence of being a force to be reckoned with. So open your Soneri Asaan Account and see the light of Soneri shine on you.

Choose from Asaan Current or Asaan Savings account

Open an account with minimum documentation No minimum balance required Free Accidental Insurance Coverage on Asaan Current Account SMS Alerts Mobile & Internet Banking facilities Free Visa Debit Card*

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Easy, and for all, Soneri Asaan Account gives you the convenience and simplicity of owning your own account along with the confidence of being a force to be reckoned with. So open your Soneri Asaan Account and see the light of Soneri shine on you.

Choose from Asaan Current or Asaan Savings account

Open an account with minimum documentation No minimum balance required Free Accidental Insurance Coverage on Asaan Current Account SMS Alerts Mobile & Internet Banking facilities Free Visa Debit Card*

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Prime Ministers Youth Business Loan Scheme

The Prime Minister launched a business loan scheme for the youth in order to promote and expand the entrepreneurial landscape in the country. Young adults, both male and female, who generally have an active entrepreneurial inclination are encouraged to pursue their professional ambitions and start their dream business. The main objective of the PMYBL Scheme is to provide loans to the unemployed youth.

As an Executing Agency (EA), Soneri Bank Limited is one of the participating banks promoting the scheme. With a single guarantor, CNIC and within an age bracket of 21 and 45 years with entrepreneurial potential, Soneri Bank grants PMYBL with a commitment to uplift the youth providing them with opportunities of financial independence and empowerment.

A Helping Handfor the Youth

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Jeeto Pakistan is the countrys biggest and most popular game show. The show is most watched during Ramadan, in which the winnings are plentiful.

As a participating sponsor for the show throughout Ramadan, Soneri Bank distributed dozens of motorbikes, appliances and numerous valuable gift packs. Passes for

the Jeeto Pakistan show were distributed to winners through a digital contest held on the Soneri Bank Facebook page.

Soneri Winnings atJeeto Pakistan

DigitalMatters

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The Soneri Bank digital landscape has been on a continuous expansion since its launch, especially in the last quarter (April August 15) in which a substantial growth in page likes has taken place. A total of 3,869 new users have added Soneri Bank to their fan list summing Soneri Banks Facebook page total to 243,728. A series of creative, fresh and engaging activities were conducted which kept fans entertained. These posts were interspersed with new Soneri Bank product and service campaign collaterals which were all very well appreciated maintaining a top-of-the-mind recall for the brand.

Below are some of the campaign highlights run on the digital medium:

Facebook EngagementThe overall engagement on the page has been healthy, establishing a two-way communication with the audience which is imperative in a brands image building agenda. The content shared on the page helped escalate traffic on the Soneri Bank website and Twitter. A total of 189,069 fans

engaged with content during the period of five months. The following campaigns were uploaded to Soneri Banks Facebook page which led to healthy engagements of plenty of users.

Making Wavesin Social Media

Soneri Mehnat WasoolSoneri Visa Debit Card Discount Offer

Soneri Car Finance SchemeSoneri Jeet

Lifetime Total Likes248000

247000

246000

245000

244000

243000

242000

243728

4/1/15 4/8/15 4/15/15 4/22/15 4/29/15 5/6/15 5/13/15 5/20/15 5/27/15 6/3/15 6/10/15 6/17/15 6/24/15 7/1/15 7/8/15 7/15/15 7/22/15 7/29/15 8/5/15 8/12/15 8/19/15 8/26/15

2015 has been the year of digital growth at Soneri Bank Limited with varied communication of product promotions, Facebook & Twitter contests, festive markings and generic banking content. Due to which we have received a promising response that has helped us in enhancing our engagement level.

Our strategy is to create a consistent hype of Soneri Banks brand presence and engage maximum people to build brand equity much for our youth target, that will reap benefits in the future. With the help of our effective digital mediums, we were able to showcase our Products/Services and Campaigns to our respective target audience and foot-mark maximum impressions. This helped us in maintaining our brands presence and sustainability.

Furthermore, the whole combination was very well supported by our recently revamped Digital shop; our website. This digital shop has evolved the user experience into a new era of responsive design that gives an ease to our customers for an optimal viewing and interaction experience that enhances the usability. Optimization has helped in increasing our mobile device traffic as it assists the users in easy reading and navigation with a minimum of resizing, panning and scrolling.

With a click solution to access all the products and services, our digital shop provides us an ample space to showcase our archives and on-going campaigns very proficiently.

Now as we have entered in the last quarter of our calendar year, we are strategizing to work and plan out different campaigns. We are also engaged in improving our Digital Shop to make it a customer support center where the customers can raise queries and apply for products/services. This would help us to increase the

interaction with our customers digitally. Also, we will be targeting to market our digital shop which would also include the on-going development of our Mobile banking.

At the start of a new quarter, we at Soneri firmly believe that with the increase in acceptance of technology, sooner or later Digital will far surpass the conventional. Akin to what mobile phones have done to landlines and Laptops/Tablets have done to desktop PCs.

Wish you a very engaging browsing!

Abid Saleem Digital Marketing Officer Soneri Bank Limited

Soneri DigitalPath Ways

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Soneri Mehnat WasoolSoneri Mehnat Wasool was effectively campaigned during the holy month of Ramadan, meeting the needs of majority of customers having loved ones living abroad. Being impeccable on the timing, Soneri Bank was able to capture the remittance market in Ramadan.

The content was promoted on Facebook for the entire month of Ramadan. The content was well received by the fans. 1,849 commented on the content, whereas 46,329 liked and 1,136 users shared the campaign in just 28 days!

Mehnat Wasool was a paid campaign, the content shared on Facebook was delivered to 1,196,428 which comprises of Paid + Organi