2015 NOVEMBER 2015

The Art of The Art of Evolution Evolution Fulfilling Promises Soneri Mehnat Wasool 06 in the year 2015

Soneri Roshni, Published by Marketing Department, COK, Karachi. Email us your feedback/comments at: [email protected] Turning Miles into Smiles 19 Soneri Car Finance Launch

Sonerians Celebrate 26 Independence Day

Enabling The Future: 24/7 Phone Banking: 021-111-SONERI (766374) Soneri Graduate Over 240 branches & 262 ATMs www.soneribank.com 37 SoneriBankPK @SoneriBank_Pk Training Program 55 37 44 40 47 48 45 50

18 35 39 The Soneri Sportsmanship 24 41 57 22 Soneri Meets C-Square Plan (BCP) 26 Enabling The Future: Soneri Graduate Training Program Training Soneri Graduate The Future: Enabling 05 19 43 PTCL & Soneri Bank Ceremony IT Department Signing 38 49 Banking Easy with Lives Enlightening 56 06 Digital Matters Continuity 21 46 Latest in Technology in Latest A Helping Hand for the Youth - Prime Minister’s Youth Business Loan Scheme Business Youth Minister’s - Prime the Youth Hand for A Helping 04 Code Upthe Soneri with Moral Standards High Keeping Business

A Numbers Game The 2nd Term Finance Certificates Listed at Karachi Stock Exchange Karachi Certificatesat Finance Listed The Term 2nd Bank’s i Revolutionizing Banking through Technology Setting a Footprint in Golf Credit Administration Department - The Milestone Administration Credit Soner Sub-Editor’s Note Sub-Editor’s – New Branch Brightens Soneri’s Presence in Lahore in Presence Soneri’s Brightens New Branch 34 Iftar the Name in Mustaqeem of In Focus: Soneri Car Finance Focus: In Soneri Winnings at Jeeto Pakistan Jeeto at Soneri Winnings Sonerians Celebrate Independence Day Independence Sonerians Celebrate Celebrating Summers: Mango Fiesta 2015 Lighting the Path to Mobile Banking Mobile to the Path Lighting 03 Contingency Flying Colors - Deposit Mobilization 2015 Campaign Results Campaign 2015 ColorsFlying - Deposit Mobilization Turning Miles into Smiles - Soneri Smiles Launch Car Finance into Miles Turning Risk Minds Asia 2015 Asia Minds Risk Editor’s Note Editor’s Fulfilling Promises - Soneri Mehnat Wasool in the year 2015 the year in - Soneri Wasool Promises Mehnat Fulfilling Editor’s Note

Dear 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-clichéd and unconventional approach grows stronger and continues to propel the bank’s 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 it’s the first time we are creating our market awareness in consumer finance.

Marketing campaigns continue to be effective and on strategy raising Soneri Bank’s 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 bank’s spirit and commitment to the nation’s 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 bank’s 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 02 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 department’s strategy we have carved a separate unit to sustain our digital presence and have also introduced Corporate Communications, keeping 03 the staff informed of all our ongoing activities from campaigns to public relation activities. Soneri Roshni November 2015 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 Zaeem Soneri Roshni November 2015 Head of Marketing A Numbers Game Soneri Bank announces Third Quarter 2015 Results Shazia Lalani Marketing Manager Anwar Hussain Soneri Bank Limited posted profit before tax of Rs.2,622.22 Rs.18.07 billion as at 30 September 2015, being 6.04 Marketing Services Manager million and profit after tax of Rs.1,589.87 million for the nine percent higher than December 2014 base of Rs.17.04 months period ended 30 September 2015. In terms of billion. Deposits grew by 7.88 percent during the nine Sub-Editor’s growth PBT is up 49.86 percent and PAT by 41.92 percent months closing at Rs.176.11 billion (December 2014: over corresponding period last year. The Board in its 146th Rs.163.25 billion) and net advances down by 5.27 percent Note meeting held on 20 October 2015, approved the Bank’s to Rs.100.49 billion (December 2014: Rs.106.08 billion) due third quarter financial statements. On this occasion the to seasonal factors. The Bank continues to follow a prudent Dear Readers, Chairman, Mr. Alauddin Feerasta appreciated the Bank’s policy for making provisions for the infected loan portfolio in continued strong performance during the third quarter and line with regulatory requirements. 2015 has been a year of product marketing, Soneri Mehnat expressed satisfaction with results. Wasool, Soneri Car Finance and Soneri Asaan Account have Soneri Bank has a unique market position in trade-finance all been rewardingly launched across the country, The key drivers of higher net earnings were primarily and transactions banking services and boasts a loyal and contributing to a stronger brand equity and top-of-the-mind Abid Saleem revenue growth and managed expenses. Bank’s revenue satisfied client-base in all its 249 branches all over the brand recall. In this edition I have received good response Digital Marketing Officer increased by 22.86 percent to Rs.8.06 billion, from last country. The Bank is committed to meet the increasing from the overall bank staff in contributing articles for the year’s figure of Rs.6.56 billion whereas expenses increased expectations of its customers and continue to provide them newsletter. I would like to thank the IT Department, Risk just by 6.48 percent. Bank’s net assets amounted to par-excellence services, for which the Bank has been Management Division, Car Finance, Remittances and the The Team investing prudently in information technology, human HR department for their contribution. Furthermore, the Behind Soneri Roshni resources, marketing and infrastructure. response we have witnessed on the Independence Day was heartening. Everyone celebrated with great enthusiasm, Marketing Team - Soneri Bank 05 specifically the staff efforts in making Pakistan’s flags and Editor: Fariya Zaeem (Head of Marketing) decorating their departments have depicted the patriotism Sub Editor: Shazia Lalani (Marketing Manager) we share as one nation. We also launched a contest on 14th Printing: Anwar Hussain (Marketing Services Manager) August on social platforms named #SonehraPakistan which Abid Saleem (Digital Marketing Officer) generated a high frequency of fan engagement. Creative Team - Adcom 04 Executive Creative Director: Awais Iqbal Dhakan We Sonerians are the brand custodians of SBL and only our Creative Director: Mahrukh Shaikh combined efforts can leverage the brand for the benefit of Creative Manager: Saleha Mir our customers and ourselves. I would like to thank Associate Creative Manager: Bilal Alvi Content Manager: Suhaib A. Serai

everyone’s contribution and anticipate a better response in Art Director: Fasahat Ali Khan Soneri 2015 Roshni November the next edition, the very first edition for the year 2016. Visualization & Design: Muhammad Rizwan Client Service Director: Faraz Akhtar Laghari Shazia Lalani Marketing Manager Soneri 2015 Roshni November Design Talks Soneri Roshni November Edition 2015

This edition’s 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 with banking related icons and directional arrows that represent growth and future aspirations. Behind the Scene Moments Behind the Scene Moments Behind the Scene Moments on the sets during the Soneri Remittance TVC Shoot. on the sets during the Soneri Remittance TVC Shoot. on the sets during the Soneri Remittance TVC Shoot. Fulfilling Promises Soneri Mehnat Wasool Spreading the Joy in in the year 2015 Eid-ul-Fitr

Soneri Bank has been making a positive and significant The Mehnat Wasool Eid-ul-Fitr campaign beautifully contribution to the Home Remittance business segment captured the spirit of the transition from Ramadan to Eid since its initiation in 2012. It has signed with several throughout which families prepare for the festivities of Eid. international remitting organizations such as MoneyGram, The communication tied moments and sentiments that are Wallstreet Finance (Canada), Golden Money Transfer relevant to families whose loved ones (breadwinners) (USA), Al Falah Exchange (UAE), Alpine Exchange (USA) remain far away at work during such festivities. Soneri and its recent major breakthrough with Al Ansari Exchange Mehnat Wasool exceptionally bridges this gap in its (UAE) and Ria Money Transfer (UK) – one of the world’s top communication. The Eid-ul-Fitr campaign covered a 360 remitting company. The brand name, “Soneri Mehnat degree spectrum with a TVC, radio spots, OOH, digital and Wasool Remittance” has been promoted through print advertisements. 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. 07

06 Soneri 2015 Roshni November Soneri 2015 Roshni November Behind the Scene Moments Behind the Scene Moments on the sets during the Soneri Remittance TVC Shoot. on the sets during the Soneri Remittance TVC Shoot.

08 09 Soneri 2015 Roshni November Soneri 2015 Roshni November Behind the Scene Moments on the sets during the Soneri Remittance TVC Shoot.

10 11 Soneri 2015 Roshni November Soneri 2015 Roshni November 13 Soneri 2015 Roshni November

12 Soneri 2015 Roshni November Preserving the Spirit of Eid-ul-Adha

The Eid-ul-Adha campaign was another heartwarming The communication smartly highlights the product’s USP of communication that portrayed the essence of the occasion instant money transfer as a rewarding solution. The media by celebrating the joy and satisfaction of fulfilling the plan for the Mehnat Wasool’s Eid-ul-Adha campaign religious obligation of Eid-ul-Adha – something that strategically covered large scale print and prime-time radio becomes unmanageable for families whose sole mediums. breadwinners work abroad.

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15 Soneri 2015 Roshni November Soneri 2015 Roshni November Mehnat Wasool Monthly Performance 2015 Mehnat Wasool

Product Performance 2015 6000 World Cup Hungama 2015 Results 4,946 5,135 5000 4,389 4,702 4,312 3,945 3,746 3,941 Soneri Mehnat Wasool has evidently maintained a healthy 4000 The Soneri Mehnat Wasool World Cup Hungama 2015 was A total of 72 branches won the prize amount by the business performance, sustaining a high monthly average 3000 a 3-month campaign launched in February. The campaign qualifying minimum transactions criteria. All monetary of transactions nationwide. A remarkable spike in 2000 capitalized on the World Cup season offering incentives for incentives have been credited to the relevant staff’s 1000 transactions can be seen in the months of June and July, 0 participating customers and employees upon MoneyGram accounts. Jan Feb Mar Apr May Jun Jul Aug during the fruitful World Cup Hungama campaign. remittances through Soneri Bank branches.

Central - I Transaction Split Active vs Unproductive Branches Winners of World Cup Hungama Competition Qualification Criteria for Rewards

Sajjad Arshad Butt 9% 19 Branch Name Grand Total No. of Transactions Max. Amount (PKR) 20 Muhammad Asad Khan 18 Total Branches Main Branch Wazirabad 725 50 1,500 10% 16 Amjad Yaqoob Kayani (Acting) 51-99 3,200 2000 + PKR 25 on every 15 81% Last Month Zero Sambrial Branch Distt. Sialkot 722 transaction beyond 51 Payment 100 3,500 Branches Muslim Town Branch Rawalpindi 537 10 101-199 6,450 4000 + PKR 25 on every YTD Zero Shahdra Branch Lahore 459 transaction beyond 101 5 Payment Branches 200 7,000 2 Jaranwala Branch Distt. Faisalabad 441 1 0 00 1 201-399 13,440 7500 + PKR 30 on every 0 Amjad Yaqoob Kayani Muhammad Asad Khan Sajjad Arshad Butt Chandni Chowk Branch Rawalpindi 441 transaction beyond 201 Amjad Yaqoob Kayani (Acting) Muhammad Asad Khan Sajjad Arshad Butt (Acting) 400 14,000 Mardan Branch Distt. Mardan 351 401-699 25,430 15000 + PKR 35 on every Ghakkar Mandi Branch Distt. Gujranwala 313 transaction beyond 401 Central - II Transaction Split Active vs Unproductive Branches 700 26,000 Godhpur Branch 258 701-999 38,920 27000 + PKR 40 on every Gul Hasnain 20 transaction beyond 701 Sajid Aziz 24% 18 Akber Chowk Branch Lahore 254 1000 50,000 36% Total Branches 15 14 13 Last Month Zero Payment Branches 10 Azizullah Abid 40% 5 2 1 00 00 0 Gul Hasnain Azizullah Abid Sajid Aziz 1st Position 2nd Position 3rd Position Azizullah Abid Gul Hasnain Sajid Aziz Shahzad Hussain Awan Malik Adnan Naveed Iqbal (Main Branch, Wazirabad) (Sambrial Branch, Distt. Sialkot) (Muslim Town Branch, Rawalpindi) North Transaction Split Active vs Unproductive Branches

Syed Jehangir Ahmed Fakhar Zaman Khan 20 22% 22% 18 17 Total Branches 14 15 Last Month Zero Payment Branches 10 Imran Nasir YTD Zero Shahzad Aslam Usman Anwer Zia Ur Rehman 56% Payment 17 5 2 Branches (Shahdara Branch, Lahore) (Jaranwala Branch, Faisalabad) (Mardan Branch, Mardan) 1 1 1 00 0 Fakhar Zaman Khan Imran Nasir Syed Jehangir Ahmed Imran Nasir Fakhar Zaman Khan Syed Jehangir Ahmed

16 South - I Transaction Split Active vs Unproductive Branches 17 17 17 Zain ul Abydeen Khandwani 18 16% Farhan Hassan 16 Total Branches Nasrullah Khan 36% 14 Muhammad Waseem Toor Syed Fiaz Hussain Naqvi 13% 12 Last Month Zero (Ghakkar Mandi Branch, Gujranwala) (Godhpur Branch) 10 9 Payment Corporate 8 Branches 0% 6

YTD Zero Soneri 2015 Roshni November 4 Syed Naveed Abbas 2 2 3 Payment (Officiating) 2 Branches 0 01 0 0 11 1 35% 0 Farhan Syed Naveed Corporate Nasrullah Zain Ul Hassan Abbas Khan Abydeen Corporate Nasrullah Khan Zain ul Abydeen Farhan Hassan Syed Naveed Abbas (Offciating) Khandwani

Soneri 2015 Roshni November South - II Transaction Split Active vs Unproductive Branches

Khaleeq-ur-Rehman 9% 20 19 Total Branches Pervaiz Ahmed Panhwar 15 91% 13 Last Month Zero Payment Branches 10 8 6 YTD Zero 5 Payment 2 2 Branches

0 Khaleeq-ur-Rehman Pervaiz Ahmed Panhwar Pervaiz Ahmed Panhwar Khaleeq-ur-Rehman New Branch Brightens Turning Miles Soneri’s Presence In Lahore into Smiles

Soneri Bank recently commenced operations at its newly Soneri Car Finance Launch built Expo Centre Branch in Johar Town, Lahore. With this branch opening, Soneri’s Learning and Development Centre After its progressive business performance, Soneri Bank’s creatively wraps real-life scenarios with emotional has also moved to the new premises. The inauguration took Car Finance has grown from strength to strength. It’s first benefits – reflecting convenience, swiftness and place in presence of the Chairman of Soneri Bank Limited, advertising campaign was recently launched in affordability. Alauddin Feerasta, along with President & CEO of Soneri September 2015. Bank Limited, Mohammad Aftab Manzoor accompanied by Soneri Car Finance also offers customers to choose; General Manager Muhammad Khawar Ali Shah and Head The campaign reached audiences through two variations of from Used or Reconditioned cars, to avail Partial Payment of HR Ms. Anita Lalani. print and radio spots. Although, the communication facility and Early Settlement facility. focuses on the conventional benefits such as convenience The launch of Soneri Bank’s new branch is a step towards and affordability, the Soneri Car Finance campaign 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 bank’s ambit.

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Mr. Alauddin Feerasta, Chairman and Mr. Mohammad Aftab Manzoor, President & CEO inaugurating Expo Centre Branch in Johar Town, Lahore Soneri 2015 Roshni November In Focus: Soneri Car Finance

The increase in fuel prices has undeterred the need for Recognizing Top Performers – Soneri Car Finance personal and private transportation. Car purchasing Top 5 RHs continues to grow in major cities across Pakistan. However The following Top 5 Regional Heads made the highest with time, consumers have become more aware of the volume contribution to Soneri Car Finance Sales – YTD convenience that comes with opting for car finance. This is August 2015: evident from the fact that over the past quarter, Soneri Bank Contribution Name of Regional Head Group Sales (%) in has made significant progress with its Car Finance portfolio Total Sales and has seen a tremendous growth in a short time, more Khaleeq Ur Rehman South-II 95,418,150 12% than 51% from December 2014 till August 2015. 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% Soneri Car Finance Sales for the 2nd Quarter of 2015 Muhammad Azizullah Abid Central-II 71,129,719 9% 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. Top 15 BMs The following Top 15 Branch Managers have been Soneri Car Finance Portfolio Outstanding 1,500 awarded the “Certificate of Achievement” based on their 1,400 excellent performance during the 2nd Quarter of 2015: 1,300 1,200 S.# Name of Branch Manager Group 1,100 1 Muhammad Zaheeruddin Main Branch Hyderabad (0006) South-II 1,000 2 Hassan Abbas Gulshan-e-Hadeed Branch Karachi (0106) South-I Rupees Million in 900 Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 3 Naresh Kumar Gemnani Main Branch Larkana (0210) South-II

Outstanding 4 Asghar Ali Peoples Colony Branch Faisalabad (0070) Central-II 5 Sheikh Naveed Mehmood Chungi Amer Sadhu Branch Figures in Million Lahore (0072) Central-I Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 Growth 6 Mehar Riaz Bahadurabad Branch Karachi (0066) South-I Outstanding 970 1,013 1,079 1,165 1,242 1,314 1,409 1,429 1,462 51% 7 Muhammad Junaid Noor Main Branch Multan (0022) Central-II 8 Asif Khan Ghotki Branch (0230) South-II Automation of Credit Proposal for Soneri Car Finance 9 Amer Waheed Bahria Town Branch (0252) Central-I To streamline Soneri Car Finance’s case processing in 10 Adil Amjad Latif Muzafargarh Branch Distt. Muzafargarh (0134) Central-II terms of reduced turn-around-time, 100% accuracy, and 11 Sameeullah Siddiqui Main Branch Sukkur (0018) South-II to meet customer’s satisfaction regarding timely approval, 12 Nadir Hussain Khuwaja Tando Bago Branch Distt. Badin (0181) South-II 20 Consumer Finance Division recently developed and 13 Ravi Shanker Rajput Umerkot Branch (0183) South-II 14 Vinod Kumar Deh Udhi Thul (0239) South-II implemented Excel-based Automated Credit Proposal 15 Syed Saleem Shahid Shahrah-e-Faisal Branch Karachi (0031) South-I (incorporating policy criteria) for Soneri Car Finance which 21 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 Finance Soneri 2015 Roshni November In 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 Soneri 2015 Roshni November 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. Category-wise Winner Branches June 15 Flying Total Total Cate- Vol. Budget S. # Branch Name Group BM Name Base Avg. % NTBs Ranking gory (M) (M) (M) Variance (M) Colors Category A 1 Main Branch Lahore Central-I Arif Manzoor Qureshi A 1,619 2,027 408 25% 763 163 1st in A Category Category B 1 Islamic Banking ISRA University HYD South-II Shafqat Ali Khowaja B 298 358 60 20% 1 139 1st in B Category Deposit Mobilization 2015 Category C Campaign Results 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 The Soneri Fly High Deposit Mobilization Campaign was Soneri Bank congratulates all the winners and appreciates 4 Main Branch Bahawalpur Central-II Zeeshan Mustafa C 224 275 51 23% 129 127 4th in C Category initiated to amplify productivity and performance of their dedication and efforts put in throughout the campaign. Category D 1 Bahria Town Branch Central-I Amer Waheed D 100 150 50 50% 132 135 1st in D Category & 3rd in Country employees within all functions through a healthy 2 Main Branch Larkana South-II Naresh Kumar D 108 131 23 22% 11 158 2nd in D Category competitive spirit. The campaign promotes motivation Top RMs from each Group 3 Tando Allah Yar Branch South-II Faraz Ahmed Yousfani D 126 152 26 21% 17 117 3rd in D Category Category E Vol. within employees as they are urged to give the best of their Name of RM Region Base Avg. Inc. 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 abilities to reap coinciding rewards. 2 Toba Tek Singh Central-II Waseem Hussain E 67 117 50 75% 65 116 2nd in E Category Muhammad Ahmed (Central-I) Mall - 37.14 37.14 3 Badian Road Branch Lahore Central-I Muhammad Tariq E 96 149 53 55% 53 101 3rd in E Category The campaign concluded after a 20-week run from the Main Branch, Lahore (0001) Lahore 4 Mian Channu Branch Central-II Muhammad Ahmad E 78 104 27 34% 4 148 4th in E Category Shoaib Nawaz (Central-II) Multan - 16.49 16.49 Category F (based upon volume additions) 16th of February to the 3rd of July 2015. An average CA 1 Sheikhoo Sugar Mills Kot Addu Central-II Umair Raza F 52 93 41 79% 57 101 1st in F Category & 2nd in Country Main Branch, Rahim Yar Khan (0068) deposit of Rs. 3.3 billion was generated as a result of the 2 Kandkhot Branch South-II Ghulam Yasin F 9 27 18 194% 16 115 2nd in F Category Hina Kanwal (North) Islamabad 21.08 56.18 35.1 3 Jalal Pur Bhattian Central-II Muhammad Naeem F 13 29 15 115% 27 200 3rd in F Category sheer hard work and determination of many star performers. Main Branch, Islamabad (0016) 4 Panjhatti Branch, Distt. Khairpur South-II Fahad Soomro F 53 66 13 24% 5 102 4th in F Category The summary of various performances are as below: Syed Abid Raza Naqvi (South-I) City Karachi 62.82 105.2 42.38 M.A. Jinnah Road Branch, Karachi (0041) Fly High! - Weekly Winners Regions / Group Performance Muhammad Sadique (South-II) Nawabshah - 18.12 18.12 EMP NTB Employee Name Group Week Min. Vol. No. Deposit Total Total Ghotki Branch (0230) Group / Region Vol. % Avg. Vari- Base Avg. Hina Kanwal North 63411 38,505,100 12 Inc. ance Main Branch Islamabad (0016) Muhammad Khawar Ali Shah (C-I) 13,488 14,825 1,336 9.90% 1,200 136 Top BDOs from each Region Muhammad Asim Tahir North 63463 11,000,200 4 G9 Markaz Branch Mr. Amjad Yaqub Kiyani (Acting) 3,234 3,465 231 7.10% 288 -57 Vol. Name of RM Region Base Avg. Islamabad (0046) Mr. Muhamamad Asad Khan 2,765 3,109 345 12.50% 246 99 Inc. Adil Rauf Raja North 901061 10,006,000 5 Mr. Muhammad Ijaz Suhail 3,519 3,863 344 9.80% 313 31 Sabikah Saeed (Central-I) Mall Lahore 9.23 21.07 11.84 Jhelum Branch (0101) Mr. Sajjad Butt 3,970 4,387 417 10.50% 353 64 Main Branch, Lahore (0001) Farhan Bashir Rana North 63348 13,000,000.00 2 Mian Asif Iqbal (C-II) 4,906 5,495 590 12.00% 700 -110 Muhammad Waqas (Central-I) City Lahore - 21.86 21.86 Islamic Banking F-8 Markaz 22 Branch Islamabad (0205) Mr. Gul Hussnain 2,199 2,519 320 14.50% 314 6 Badian Road Branch, Lahore (0103) Akmal Ali (Central-I) Gulberg 0.21 8.42 8.21 Farhan Bashir Rana North 63348 12,500,025 3 Mr. Muhammad Azizullah Abid 1,346 1,556 211 15.60% 192 19 Islamic Banking F-8 Markaz Ghazi Chowk Branch, Lahore (0061) Lahore Mr. Muhammad Khuram Shehzad (Off) 1,361 1,420 59 4.40% 194 -135 Branch Islamabad (0205) Hafiz Junaid (Central-I) Gujranwala 24.15 31.34 7.19 Mir Aamir Nawaz (North) 8,417 8,404 -13 -0.20% 900 -913 Jamal Orakzai North 63410 278,496,025 13 Ghakkar Mandi Branch Distt., Gujranwala Hayatabad Branch, Mr. Fakhar Zaman Khan 3,052 3,082 30 1.00% 326 -296 Shahid Idrees (Central-II) Multan 8.42 36.79 28.37 Peshawar (0250) Mr. Imran Nasir 4,245 4,127 -119 -2.80% 454 -573 Mumtazabad Branch, Multan (0201) Mr. Syed Jehangir Ahmed 1,119 1,195 75 6.70% 120 -45 Zaheer Ul Hassan (Central-II) Faisalabad 13.1 22.88 9.78 Jawed Munshi (South-I) 20,092 21,277 1,185 5.90% 1,600 -415 Toba Tek Singh (0229) Mr. Farhan Hassan 5,809 6,040 231 4.00% 463 -232 Dilawar Khan (Central-II) Sahiwal - 10.02 10.02 Mr. Nasrullah Khan 4,102 4,454 351 8.60% 327 25 Chicha Watni Branch (0226) Khawar Ali Shah Zaheer Abbas (North) Islamabad 3.34 14.51 11.17 Soneri 2015 Roshni November Mr. Syed Naveed Abbas (Off) 5,330 5,498 168 3.20% 424 -256 Top GM - Country Main Branch, Skardu (0033) 23 Mr. Zainul Abedin Khandwani 4,850 5,285 434 9.00% 386 48 Mohammad Haroon (North) Rawalpindi 18.71 29.84 11.13 Azizullah Abid Khaleeq-ur-Rehman (South-II) 4,145 4,439 294 7.10% 500 -206 Swabi Branch, District Swabi (0119) Runner-up RH Country Mr. Khaleeq Ur Rehman 3,406 3,548 142 4.20% 411 -269 Adil Rauf Raja (North) Mirpur - 9.29 9.29 Top RH Central-II Mr. Khaleeq Ur Rehman 739 891 152 20.60% 89 63 Jehlum Branch (0101) Khaleeq-ur-Rehman Naila Younus (South-I) (during campaign period) Saddar and 2.81 34.16 31.35 Top RH - Country Grand Total 51,048 54,439 3,391 6.60% 4,900 -1,509 Malir Branch, Karachi (0065) Soc. Top RH - South-II Muhammad Nadir Khan (South-I) City Karachi 14.14 27.39 13.25 Korangi Township No. 3 Branch, Karachi Kashif Afzal Team Leader Liabilities Performance Shahzaib Iqbal (South-I) Nazimabad 3.91 11.96 8.05 Runner-up TL Central-I Total Total Total Barkat-e-Haidery Branch, Karachi (0155) Team Leader % Ranking Base Average Growth Tufail Jaan (South-I) Main Branch 3.58 10.42 6.84 Akhtar Khawaja New Town Branch, Karachi (0160) Karachi Soneri 2015 Roshni November Akhtar Khawaja (South-II) 775 1,007 232 30% 1st Top TL - South-II Zeeshan Mukhtiyar (South-II) Hyderabad 25.22 47.25 22.03 Kashif Afzal (Central-I) 2,245 2,780 535 24% 2nd Latifabad Branch, Hyderabad (0059) Junaid Noor (Central-II) 1,402 1,636 234 17% 3rd Muhammad Hussain Biharani (South-II) Nawabshah 1.6 10.69 9.09 Asad Khan Aftab Alam Malik (South-I) 2,896 3,237 341 12% 4th Kandkhot Branch (0240) Top RH Central-I Sahir Afif Khan (North) 1,422 1,553 131 9% 5th Grand Total 8,740 10,214 1,474 17% Zain Khandwani Top RH - South-I Contingency – Soneri Bank’s Recent Activities Finance Division RMD Ops Team conducted a BCP contingency testing at Business Continuity Plan (BCP) Central Office – Finance Division in the presence of audit/security representatives. This activity was designed in a You are sitting in your office, everything’s in order, you are BCP Awareness Sessions way to test the Finance Division staff members for earthquake confident, but, all of a sudden - you face a contingency. No RMD Operational Risk successfully conducts BCP and bomb threat contingency so they can get the most out of one can predict the future, contingencies never inform awareness sessions for branch operations managers for it. Finance Division critical staff members relocated to its BCP before showing up. However, you can coup with a sound the South region; back site at the Allama Iqbal Road Branch – Karachi and business continuity plan. performed their routine functions successfully. HR Learning and Training Division - Karachi 48 A ‘business continuity plan’ is about identifying the functions ISRA University Branch - Hyderabad 17 of your bank that you cannot afford to lose; such as Total No. of BOMs’ Trained 65 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.

“Banks need to be prepared for a wide variety of

events that could impact its operations and profit generation.”

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 25 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 Service Quality Department a serious disruption. BCP Status The high cost of the service quality department downtime After covering many of the branches and plus the loss of valuable information and equipment means Business continuity and disaster recovery planning are not departments/divisions, RMD has planned to conduct the that our bank does not survive a major/minor contingency. new concepts in the business world, but the act of Other than these sessions, RMD Ops Team also conducts training and testing of the Northand Central Region by the RMD Ops Risk Business Continuity Planning can help 24 consciously assessing and planning for potential problems BCP Awareness sessions to business and support end of 2015. reduce those losses and may be what keeps our bank in certainly has been underscored in disastrous events in the functions as well prior to their BCP mock drills. existence. RMD Ops Team achieved another milestone to Soneri 2015 Roshni November past decade including fire, earthquakes, tsunamis, Total BCP Tested resume most critical and complex function with the help of hurricanes, typhoons, and terrorist attacks. Banks need to RMD efforts for BCP Implementation across 98 the BCP contingency test at Al Rahim Tower – Service 100 93 plan for potential disasters that will impact their ability to Soneri Bank 90 Quality Department. 80 continue operations, revenue and profit generation. Without A BCP mock drill ensures that policies and its framework 70 60 are validated by all SBL staff members. A business 60 a plan to recover, no matter how large or small, any bank 50 49 The service quality department’s critical staff relocated to can fail miserably. contingency plan cannot be considered reliable until it is 40 32 32 its BCP site at SMCH Branch – Karachi and attended 30 25 22 exercised and proved practical. The mock drill involves: Rupees in Million 20 inbound customer calls and resolved their queries. 10 Risk Management Division validating plans; rehearsing staff members; and testing 0 South Central North Business / Support Functions Soneri 2015 Roshni November The Operational Risk Team devised and implemented a systems which are relied upon to deliver resilience. bank-wide business continuity plan. It is the act of Article contributed by: proactively working out a way to prevent, if possible, and Muhammad Asim Chishti manage consequences of a disaster, limiting it to the extent Operational Risk by which a business can afford. Risk Management Division Independence Day Celebrations Independence Day Celebrations Nationwide Branch Network, Soneri Bank Limited Nationwide Branch Network, Soneri Bank Limited Best Decked Branch/Department North Surrounded by festivities, Sonerians from all regions Mansehra Road Branch, Abbotabad Sonerians Celebrate competed within their departments as well as with other branches to best decorate the office premises. The Central – I Independence Day Service Quality Department at Soneri’s Head Office Mall Branch, Lahore deserved the first place for their colourful and creative Central – II decorations. Soneri Bank motivates its employees to grow in a dynamic and fun-filled activities. This year Soneri Bank saw its Main Branch, Multan environment, which is evident from its culture that employees participate with the same zeal and vigour. Head Office (Winners) encourages celebrations and activities on important The entire Soneri network wore green/white apparels and South – I Service Quality Department occasions, especially the Independence Day. Sonerians competed in exciting competitions. Allama Iqbal Road Branch, Karachi Mall Branch, Lahore Mall Branch, Lahore Latifabad Branch, Hyderabad Latifabad Branch, Hyderabad are encouraged to step up and participate in a festive Head Office (Runners-up) South – II environment where employees can engage in productive Treasury Department Latifabad Branch, Hyderabad

Mall Branch, Lahore Main Branch, Multan Admin Department Admin Department

Service Quality Department Service Quality Department

Main Branch, Multan Main Branch, Multan Al Rahim Tower Branch Al Rahim Tower Branch 26 Treasury Department Treasury Department

27 Soneri 2015 Roshni November

Allama Iqbal Road Branch, Karachi Allama Iqbal Road Branch, Karachi Al Rahim Tower Branch CCG Department Mansehra Road Branch, Abbotabad Mansehra Road Branch, Abbotabad Soneri 2015 Roshni November

Mansehra Road Branch, Abbotabad Mansehra Road Branch, Abbotabad Allama Iqbal Road Branch, Karachi Latifabad Branch, Hyderabad CCG Department CCG Department Independence Day Celebrations Independence Day Celebrations Nationwide Branch Network, Soneri Bank Limited Central Office Karachi, Soneri Bank Limited

I.T. Department I.T. Department

I.T. Department I.T. Department

Industrial Area, North Karachi Branch Industrial Area, North Karachi Branch

Quiz Series at Soneri Quiz 3 Besides other activities, a series of quizzes were held at Farhan M. Shamsuz Zaman (Gulistan-e-Johar all Soneri Bank branches to commemorate Branch, Karachi) Independence Day. Sonerians participated to test their Asif Munawer (Finance) 29 28 knowledge of Pakistan’s history and how well-versed they Zulqarnain Abbas (Kabirwala Branch, District Khanewal) were in facts about their country. Winners who scored the Quiz 4 highest points were awarded with special prizes. Aitzaz Azeem (Circular Road Branch, Lahore)

Karimullah Baig (F. B. Industrial Area Branch, Karachi) Quiz 1 Muhammad Adnan (Internal Audit) Muhammad Riaz (Pak Pattan Branch) Syed Muhammad Kashan (Consumer Asset Operations) Quiz 5 Sohail Akram (Information Technology) Atiq Ahmed (Main Branch, Faisalabad) Syed Maisam Ali Rizvi (AKU Branch, Karachi)

Quiz 2 Soneri 2015 Roshni November Shiraz Ahmed Mughal (Main Branch, Hyderabad) Mir Azfar Usman (DHA Phase-II Extension Branch, Soneri 2015 Roshni November Islamabad) Rana Zeeshan Ahmed (Centralized Operations) Amir Ali Salim Hussein (Jodia Bazar, Karachi) Independence Day Celebrations Nationwide Branch Network, Soneri Bank Limited Best Decorated Flag Winners As part of Independence Day celebrations, Sonerians from Tie between Malir Branch & Enquiry Office Branch, all branches were encouraged to compete in the Best Nazimabad No. 2 Decorated Flag competition, in which departments showed their creativity by assembling scrap materials with a spark 1st Runners-up of ingenuity. The IT department displayed exceptional Tie between Credit Department & Mian Channu Branch devotion and won the competition for their team work. 2nd Runners-up Tie between Islampura Branch & Deh Sonhar Most Creative Flag Badin Branch Information Technology Department Allama Iqbal Road Branch, Karachi ATM Monitoring & Support Department

Information Technology Department Malir Branch, Karachi Buhara Branch CCG Department

30 Enquiry Office Branch, Nazimabad No. 2, Karachi Credit Department CCU Department Centralize Account Opening Department

31 Soneri 2015 Roshni November

Mian Channu Branch Islampura Branch Centralized Government Security Department Centralized Remittance Department Soneri 2015 Roshni November

Deh Sonhar Badin Branch Aga Khan University Branch Consumer Asset Operations Department Expo Centre Branch, Lahore Independence Day Celebrations Independence Day Celebrations Nationwide Branch Network, Soneri Bank Limited Nationwide Branch Network, Soneri Bank Limited

Godhpur Branch, Sialkot G.T. Road, Manga Mandi Branch Main Branch, Multan Main Branch, Sukkur

Gulbahar Branch Haidery Branch Main Branch, Mirpur, Azad Kashmir Muslim Town, Rawalpindi

Haroonabad Branch HR Department Muzaffargarh Branch Industrial Area Branch, North Karachi 33 32

Islamic Branch, Shah Rukn-e-Alam Branch, Multan Kamokee Branch Peoples Colony, Faisalabad Service Quality Department Soneri 2015 Roshni November Soneri 2015 Roshni November

Main Branch, Hyderabad Main Branch, Lahore Treasury Department Zamzama Branch Risk Minds Credit Administration Department – Asia 2014 The Milestone

Mr. Javed H. Siddiqi Addresses at the “If You Want To Go Fast, Go Alone. If You Want To Go Far, through our CAD Centre in the South Region managed by Summit Yet Again Go Together.” Mr. Muhammad Nawaz Khan, in Central-I Region by Mr. Nadeem Haider Naqvi, in Central-II Region by A good credit operations and documentation support shop Risk Minds Asia is the world’s leading risk management Lou Ping Mr. Muhammad Aamir Shakir and in North Region by is a mandatory requirement in all banks to ensure event that yearly offers risk managers a promising Chairman Supervisory Board, Mr. Muhammad Rafiq. A team of highly experienced and maintenance of the credit discipline as per the guidelines opportunity for connecting with and learning from the best BANK OF KUNLUN talented personnel has been positioned at these centres. and policies. The State Bank of Pakistan issued their risk professionals across the globe. It comes with great The team is looking after all credit processes, including: guidelines on risk management vide BSD-7 dated August delight, that Mr. Javed H. Siddiqi, Head of Risk Javed H. Siddiqi support in credit and collateral documentation, credit Head of Risk Management, 15, 2003 that required the banks to formulate and Management Division was invited once again by the operations and monitoring, assistance in other daily credit SONERI BANK LIMITED implement a well-defined credit policy and to develop prestigious Risk Minds Asia conference as an authoritative processes involving operational and legal aspects. systems, procedures and related organizational structure to speaker, held in Hong Kong from 12 to 15 October, 2014. Didier Blanchard measure, monitor and control credit risk. The loan CAD is independent of the business groups. The branches Managing Director & Head of Global Risk Measurement, Examining the most pressing strategic, technical & origination function has been given key importance which regularly interact with customers for strengthened SOCIÉTÉGÉNÉRALE regulatory issues faced by risk managers today, should be subsequently strengthened by credit client-business relationships. This has helped in improving Mr. Javed H. Siddiqi was requested to address the administration function. Such function should ensure that the overall credit performance of the bank. The business Karin Boonlertvanich the credit activities are in compliance with the bank’s groups are likely to generate more of the credit business in audience on the conference’s first day; Monday 12th Head of Central Treasury Department, October, 2014 at the Regulation Summit on ‘Examining KASIKORN BANK policies and procedures. It is basically a back office accordance with the guidance of Credit Division. The the Impact of Regulatory Change for Market Liquidity, function, responsible for providing support in controlling the positive difference is pretty obvious if we compare the Systemic Risk & Financial Inclusion.’ Vanessa Le Leslé extension and maintenance of the credit. position with previous years. Business Groups are now Deputy Head, Office of Regulatory Affairs, Asia Pacific, primarily indulged in enhancing the credit portfolio of the Mr. Javed H. Siddiqi has more than 24 years of experience JP MORGAN In light of the above guidelines, the bank’s Credit Policy bank. Subsequently, CAD caters the requirements of all in the areas of Stress Testing Framework & Methodologies, was revised and approved by the Board of Directors in its credit functions from extending the credit to adjustment of Quantitative Risk Analysis, Enterprise Risk Management, Shaji Chandrasenan meeting held on 31st August, 2012. Subsequent to the the same. CAD ensures that all the credit covenants are Basel II & Basel III implementation, ICAAP Reporting and Director & Specialist Leader, Risk Management & policy, a revised credit manual was circulated as well in complied with by the branches in order to avoid any issues 34 Capital Planning / Management. Financial Risk Supervision, order to improve the credit processes and compliance of in the performing loans. Due to country-wide centralization MONETARY AUTHORITY OF SINGAPORE the defined procedures is mandatory for all bank staff of credit processes, CAD is able to implement uniform Risk Minds Asia 2014 event addressed three aspects: associated with credit processes. credit practices in all regions and it has helped in ensuring the Regulatory, the Strategic and the Technical challenges Keith Noyes effective loan monitoring at all ends. This has created a faced by risk managers today. Regional Director, Asia Pacific, As required in the Credit Policy, a Credit Administration INTERNATIONAL SWAPS & DERIVATIVES great working relationship environment with the business Department was established as part of Credit Division and groups and CAD is able to effectively render its services, Some of the key speakers in the conference were: ASSOCIATION, INC. centralization of the credit processing was implemented in subsequently reducing the turn-around time while ensuring 2013 under the guidance of Mr. Akbar Raza, Head of CAD. Andrew Sheng Bob Mainprize that the policies and procedures as advised by the A Service Level Agreement was signed between Credit Chief Advisor, Chief Risk Officer, Asia Pacific, regulatory and senior management of the bank are being BARCLAYS Division and Business Groups for ensuring smooth complied with. Soneri 2015 Roshni November CHINA BANKING REGULATORY COMMISSION 35 functioning of CAD and providing quality services to our customers. CAD is responsible for maintaining country-wide credit disbursement control and it issues Disbursement Since 2013, CAD has been made fully functional in a Authorization Certificate (DAC) for the credit facilities after phased manner and is controlling the credit processes Soneri 2015 Roshni November ensuring that the credit facilities are being approved as per A major portfolio of our performing loans is against the the approved discretionary powers, the documentation is pledge of imported and local commodities. Such loans are Enabling The Future: complete, the collaterals have been obtained, all the being monitored by CAD for ensuring that our bank’s covenants have been complied with and approvals are in policies related to pledge-based financing are being place for deferrals or waivers. complied with in true letter and spirit. Such portfolio also Soneri Graduate Training Program needs to be insured at all times and CAD ensures that the Credit documentation institutes the relationship between detailed information of anomalies in the insurance of the Soneri Bank aims to develop its future Operation the bank and the borrower. The facility, collateral and legal financing portfolio as well as in the outstanding loans Managers in order to supply high quality workforce for its documentation are essential to be obtained by the against pledged commodities are being monitored and Operations team. In this regard, the Trainee Officer Batch customers. Business Units submit the same to CAD for forwarded to the business units for rectification. In #49 was on-boarded earlier this year. Recruitment drives ensuring the completeness as per the approved terms and compliance of the R-5 of SBP Prudential Regulations for were initiated across placement centres and interactive conditions. Presently, tracking for the required documents Corporate/Commercial Banking, CAD also corresponds presentation sessions were conducted in renowned HEC is quite easy as the CAD circulates the exception reports to with the business units for conducting joint inspections of recognized universities of Karachi, Lahore, Hyderabad the business groups for their necessary actions. CAD the pledged stocks. & Multan. subsequently performs the function of safe custodian of securities, facility and security documentation. The control Apart from all the activities performed by CAD, The CAD After a rigorous process of aptitude tests and panel of shares pledged with our bank against borrowing maintains its close liaison with various departments interviews, 50 fresh graduates (25 each from South and relationships lies with CAD as well through CDC and including Corporate and Investment Banking Group Central regions) officially joined the training program. monitoring of the loan portfolio against pledged shares is (CIBG), Commercial and Retail Banking Group (CRBG), being monitored and circulated to the relevant groups on Information Technology Division, Finance Division, Treasury The batch’s initial classroom training focused on daily basis. and FI Group, Centralized Clearing Unit, Centralized Trade developing their operational and soft skills, thus Operations, Centralized Operations and other related familiarizing them with the work culture. Upon completion, a After centralization, CAD is responsible for allowing departments to ensure smooth processing of Business As passing out ceremony was organized for the participants drawdown in the facilities of the borrowers. These loans are Usual (BAU). and was followed by lunch with the Head of Operations and further monitored by CAD and if any anomaly or his senior team. variance/deviation from the approved terms and conditions CAD also provides its assistance to Remedial Management is found then the same are communicated to the business Department for cases under litigation and recovery. Once the candidates completed their theoretical training, units for executing the remedial measures. Pricing of the CAD also provides trainings and credit management they were assigned to various branches for further credit portfolio is being administered as well and branches consultancy to the business groups as well. on-the-job training. are asked for rectifications, if required. CAD is currently processing various system developments The journey was thoroughly enjoyed by the participants In order to ensure that the business units are able to with the help of ITD and vendors. After implementation of who agreed that the training program gave them great perform their respective credit processes timely and the same, the service quality will definitely improve further exposure, motivated them to perform with a positive efficiently, CAD supports them by providing information and will be resultant in monitoring the portfolio more attitude and served as a platform to excel in their future 37 regarding the required approvals, valuations, insurances, efficiently. job roles. pledge related issues etc. It depicts a clear picture of the performing loans to the business units that subsequently Business Groups and Credit/CAD are necessary legs of Soneri Bank wishes the Trainee Officers a successful 36 resolve the queries for ensuring smooth credit operations in every credit process and the efforts from both ends are career in their respective roles. the borrowers’ accounts. Consortium finances of SBL are always in place. This close association between the being monitored and reviewed by CAD in accordance with departments helps to ensure that the bank has a quality the approvals and in effective liaison with CIBG. credit portfolio. It certainly helps to enhance the profitability of the bank and nevertheless, it is all possible due to CAD is effectively managing the bank’s Export Finance extensive support and guidance from the senior

Scheme and Islamic Export Refinance Scheme limits with management including Mr. Mubarik Ali, Country Credit Soneri 2015 Roshni November the State Bank of Pakistan. Branches obtain clearance from Head and Mr. Akbar Raza, Head of CAD. We look forward CAD for borrowing cases before submission of the same to to another successful year by surpassing the milestones. the SBP. With the support of business units, this process Soneri 2015 Roshni November has helped CAD to maintain and monitor the overall bank’s borrowing exposure with SBP.

CAD is responsible for monitoring the relationships with the credit vendors such as muqaddams on our pledged Article contributed by: sites. CAD provides joint approvals with the business units Usama Khan in order to maintain allocation of various muqaddams as Senior Credit Operations Officer per our approved panels. SBL relationships with other vendors for specified credit services are being catered by CAD as well. Iftar in the Name of Revolutionizing Banking Mustaqeem through Technology

An iftar and dinner event was held at the Pearl Continental, management officials from the industry and their families Upscaling Customer Experience For Disaster Recovery/Secondary data center migration, Karachi on behalf of Mustaqeem - Soneri Bank’s Islamic were invited. The event was branded with collaterals of Soneri Bank Technology Group, on its mission to the project of re-location was initiated in April 2015 and in Banking umbrella brand. Prominent Soneri customers, top Mustaqeem. continuously innovate and enhance customer service, has record time, completed in July 2015. invested in the world’s leading technology by setting up the country’s 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 Centers Given the dynamic operational environment in which today’s 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. 39 Keeping in view the critical nature of facility and 38 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. Soneri 2015 Roshni November After thorough research and analysis of industry best service providers, Soneri’s management approved

Soneri 2015 Roshni November 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. The Soneri Latest in Sportsmanship Technology IT Premier League (ITPL) Eye tracking in computers may soon become He further said, “In the future we'll be able to reconstruct gamers’ reality the data we have now much better." If the latest announcements about the Assassin’s Creed Soneri Bank as an organization promotes a healthy work-life Challengers beat their opponent team with 12 runs, game are anything to go by, eye tracking will become a Harry Potter’s invisibility cloak may now exist in real life balance for its employees. In the same spirit, one of the claiming the ITPL shield. ADC & OPs Royals made great commonplace feature in future gaming. Eye trackers Scientists at the University of Cambridge developed a new regular features of its culture include recreational sports, efforts and were awarded the ITPL Runner-up shield. The provide computers with a user’s gaze position in real time method to manufacture invisible "metamaterials" using like Cricket. It is a stimulating exercise that focuses on the memorable intra-departmental cricket tournament came to by tracking the position of their pupils. The trackers can lasers, leading to the possibility of invisibility cloaks. 5C’s of Soneri’s work environment: Competence, an end with a closing note from Chief Guest CIO SBL and either be worn directly on the user’s face, like glasses, confidence, connections, character, and caring. award ceremony. or placed in front of them, such as beneath a computer The IT division arranged an intra-departmental cricket Statistics of the Tournament: monitor. tournament, famously called the IT Premier League (ITPL) Team Matches Wins Losses Ranking held on May 15, 2015 at Eid-Gah Ground Nazimabad. Infra Challengers 4 3 1 Winning Team About sixes matches were played among the cricket ADC & OPs Royals 3 2 1 Runner-up teams. Departments were divided into four teams: IS Super King 3 1 2 - Security Knight Riders 2 - 2 - • ADC & OPs Royals • Security Knight Riders • Infra Challengers • IS Super Kings A new method of creating "metamaterials" on a large All the team members were gathered on the cricket ground scale could pave the way for cloaking devices (CC) at 9:30 a.m., ready to take on the others to win the World’s first mind-reading and memory recording Using an unfocussed laser light to stitch particles of gold tournament cup. MRI scan together, the researchers created a material that reflected 40 The first ever commercial brain scan for the purpose of light through inverse refraction, making objects covered In a tremendous display of sportsmanship and endurance, recording thoughts and memories for future playback took by it appear invisible. Like a lot of technology in this field, Infra Challengers faced ADC & OPS Royals in the final place in September. The inaugural patient of Millennium the cloaking device is most likely to find its first match and after an electrifying performance; Infra Magnetic Technologies (MMT) thought recording applications in the military. technology was software developer Anthony Broussard from Houston Texas, who paid around £1,200 to have his Tech facts that might surprise you memories preserved. In 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 Soneri 2015 Roshni November are some quirky facts about technology: 41 1. On eBay, there is an average of $680 worth of transactions every second.

2. 91% of all adults have their mobile phone within arm’s 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 A US-based neuroethology startup became the first use a toothbrush.

company to commercialize the recording and storing of Soneri 2015 Roshni November human thoughts. Donald Marks, Founder and Chief 4. Hewlett Packard, Microsoft, as well as Apple have one Science Officer of MMT called the process “mind reading” not so obvious thing in common – they were all started instead of thought identification. He said that the visual in a garage. reconstruction of thoughts is in its developing stage but the data is definitely there and it will get better with time. 5. 25% of Americans use only a mobile device to use 20. The first cell phone sold in the United States – the the internet. Motorola DynaTAC 8000X – was designed by Rudy Celebrating Summers: Krolopp in April of 1984. It weighed two pounds. 6. Every minute, 100 hours of video are uploaded on YouTube by individual users. 21. Google handles an estimated 1 billion search queries Mango Fiesta 2015 each and every day, releasing almost 200 tons of CO2 7. There are 271 million mobile subscribers within the per day. Pakistan is one of the greatest exporters of mangoes served all around. It was a joyful and unforgettable event United States alone, and the numbers are quickly across the globe. There are about 15 varieties of the joined by all the employees. growing. 22. There are 500 apps added each day to the Windows "King of the Fruits" in the country. Celebrating summers is Phone Store. incomplete without having a mango fiesta, and this tradition 8. Two hundred and twenty million tons of old computers is organized annually by the IT department, in a splendid and other technology devices are trashed in the United And most importantly… manner. States each year. 23. The man known as the Father of Information Theory, Claude Shannon, invented the digital circuit – the The Mango Fiesta was held on June 17, 2015 in the 9. 90% of text messages are read within three minutes of foundation of the magic that provides us all access to IT division Meeting Room. being delivered. the Internet today – during his master’s degree program, when he was just 21 years old. To diversify the menu and make it more appetizing and 10. 30 million individuals watch television programming tempting, IT division added Arabi Paratha as well. Fresh from their mobile phones. juicy mangoes and crispy delicious Arabi Parathas were 11. The average 21 year old has spent 5,000 hours playing video games, sent 250,000 emails, instant messages, Article contributed by: and text messages, and has spent 10,000 hours on a Mir Tehmeed mobile phone alone. SVP - Head, Service Management & Projects

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 world’s 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 42 every day. 16. Since the company’s inception, there have been 144.7 million individual visitors to Facebook, making it the most visited social networking site as of June 2013. 43 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 Soneri 2015 Roshni November 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, Soneri 2015 Roshni November 97% are considered spam. PTCL & Soneri Bank IT Department Soneri meets Signing Ceremony C-Square

Soneri Bank Limited is embarking upon hosting the I.T. This is a commendable initiative taken by Soneri Bank’s Soneri’s 1st Cloud Computing Data Centre Infrastructure at the PTCL’s Tier-III Data Center technology team for the mutual benefits of both bank and Contact Center Site in Karachi. The PTCL Data Centre is equipped with customers, as this will provide a good response time, state-of-the-art facility which includes electrical power sustainability and a more secured platform which will In a momentous signing ceremony, Soneri Bank proved its into before settling for one of the best CRM solutions to be (UPS & Genset), precision cooling and rack space with enhance the sense of security and reliability in our valued determination to continually improve its services by setting hosted on Cloud with C-Square Consulting as their partner. committed sustenance and veracity, thus, augmenting customers. up the first Multi-Channel Cloud Contact Center. uptime and minimizing risks. The bank will only avail the The deal was signed with C-Square Consulting in a grand mentioned facilities, the ownership and governance of the Cloud Computing allows smoother customer experience ceremony attended by senior management from both I.T. infrastructure/equipment will remain with the bank. and minimizes need for physical storage, an investment parties amidst great applause. that Soneri Bank’s management has put careful thought

44 45

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). Soneri 2015 Roshni November Soneri 2015 Roshni November

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. Lighting the Path The 2nd Term Finance Certificates to Mobile Banking Listed at Karachi Stock Exchange

Soneri enters a partnership A ceremony was held in August at the Karachi Stock with Inov8 Exchange to list its 2nd Term Finance Certificates (TFC). Soneri Bank Limited successfully raised PKR 3,000 million On September 4, 2015, in an effort to provide its customers Mr. Ahmed Saqib Asad Chief Information Officer (CIO) through this TFC. Of the total issuance amount, PKR 2,250 with further convenience and mobility, Soneri Bank Soneri Bank speaking at the occasion said “Soneri Bank is million were raised through private placement and the partnered with Inov8 Limited for a superior Mobile Financial now aiming to provide a new level of experience to our remaining amount of PKR 750 million was raised through Services (MFS) platform. customers via transforming the technological platform up to the initial public offering. the international standard and this is one more step The total demand received was PKR 3,810 million against Keeping in mind the evolving usage patterns in technology, towards achieving the milestone. This forum will further total issue size of PKR 3,000 million, oversubscribed by mobility has become everything for banks and other allow Soneri Bank to provide greater customer experience PKR 810 million or 1.3x times. Arif Habib Limited was the financial institutions. With Inov8’s MicroBank and award with variety of product just a touch away.” winning Falcon platform, mobile banking facilities can be Lead Advisor, Arranger & Underwriter for the Transaction. accessible to Soneri Bank’s fast growing number of Inov8’s Chairman and CEO, Hasnain A. Sheikh, commented, Karachi Stock Exchange; Mr. Arif Habib, Chairman, According to KSE, the trading in the TFC commenced on customers. This will be made available via the Pinnacle “We are delighted to be working with Soneri Bank, and Arif Habib Group; Mr. Nasim Beg, CEO, Arif Habib August 19, 2015. Transactions will take place in Soneri MFS cloud platform, one of the first secure Mobile Financial helping shape its future with world class mobile and digital Consultancy; Mr. Shahid Habib, CEO, Arif Habib Limited; Bank Limited’s TFCs through the Bonds Automatic Services cloud platforms in the world. financial services via MFS cloud platform Pinnacle.” Mr. Kashif Shah, Managing Director, Investment Banking, Trading System and will be settled on a T+1 basis. Arif Habib Limited, were present on the occasion. All transactions will be settled through the National Clearing Company of Pakistan Limited, which has Soneri Bank Limited continues to operate through a assigned “SNBLTFC2” as the symbol. network of 247 branches including 15 Islamic banking branches in Pakistan in order to provide consumers, Mr. Mohammad Aftab Manzoor, President & CEO, Soneri corporations, institutions and governments with a broad Bank Limited; Mr. Amin A. Feerasta, COO, Soneri Bank spectrum of financial products and services, including Limited; Ms. Anjum Hai, CFO, Soneri Bank Limited; corporate and investment banking, consumer banking and Mr. Muhammad Altaf Butt, Company Secretary, Soneri credit, securities brokerage, commercial, agricultural, Bank Limited; Mr. Nadeem Naqvi, Managing Director, Islamic and asset financing. 46 47 Soneri 2015 Roshni November

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). Soneri 2015 Roshni November

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). Keeping Up with the Setting a Footprint Soneri High Moral Standards Code in Golf

Soneri Bank has always strived to nurture an environment of Soneri Bank is proud to acknowledge the adherence of In the spirit of promoting the sport of Golf while portraying trust among employees as well as with customers. The “High Moral Standards” of its genuine employee Laila an optimistic and dynamic image, Soneri Bank has Bank expects its employees and associated staff to adhere Abdul Raheem Shalwani, who returned a misplaced pouch sponsored Mr. Mohammad Saqlain to play in golf to the highest standards of morality and modesty which is containing 7,300 Canadian Dollars to a customer at our tournaments. Saqlain has represented Soneri Bank in hoped to be reflected in each Sonerian’s work ethic and Garden East Branch. Soneri Bank is proud of possessing numerous tournaments across various cities. during interaction with peers, colleagues and customers. custodians who promote honesty and morality.

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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48 Soneri 2015 Roshni November Soneri 2015 Roshni November Enlightening Lives with Easy Banking The Launch of Soneri Asaan Account

In a fast paced world where growing aspirations and daily Soneri Bank captures the essence of a hassle-free life challenges claim most of our time, banking is a blessing through the comforts of banking and translates it into a that offers us convenience in many aspects. It is a privilege gripping campaign. The print campaign is a result of everyone deserves – which is why Soneri Bank launched thorough insights combined with clutter-free designs the Soneri Asaan Account, an account tailored for the and a fresh angle of content. masses. The Soneri Asaan Account perfectly complements house wives, students, skilled workers and those who look towards an easier banking experience.

AsSoneaari n 50 account With Every Soneri Dawn, 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

Soneri 2015 Roshni November 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. 51 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* *Terms & Conditions Apply *Terms Soneri 2015 Roshni November AsSoneaari n AsSoneaari n account account 52 With Every Soneri Dawn, With Every Soneri Dawn, I am Enlightened! I am Enlightened! To have all your hassles taken care of with absolute ease, can really be a boost of self-enlightenment. To have all your hassles taken care of with absolute ease, can really be a boost of self-enlightenment. 53 This is exactly what Soneri Bank aims to offer with the all new Soneri Asaan Account. 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 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 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. Account and see the light of Soneri shine on you.

Choose from Asaan Current or Asaan Savings account Choose from Asaan Current or Asaan Savings account

Soneri 2015 Roshni November Open an account with minimum documentation Open an account with minimum documentation No minimum balance required No minimum balance required Free Accidental Insurance Coverage on Asaan Current Account Free Accidental Insurance Coverage on Asaan Current Account SMS Alerts SMS Alerts Mobile & Internet Banking facilities Mobile & Internet Banking facilities Soneri 2015 Roshni November Free Visa Debit Card* Free Visa Debit Card* *Terms & Conditions Apply *Terms & Conditions Apply *Terms *Terms & Conditions Apply Conditions & *Terms A Helping Hand for the Youth n Life Prime Minister’s Youth Business

a Loan Scheme of

a The Prime Minister launched a business loan scheme for As an Executing Agency (EA), Soneri Bank Limited is one the youth in order to promote and expand the of the participating banks promoting the scheme. With a Sone ri Sone

s entrepreneurial landscape in the country. Young adults, single guarantor, CNIC and within an age bracket of 21 and Up

both male and female, who generally have an active 45 years with entrepreneurial potential, Soneri Bank grants account entrepreneurial inclination are encouraged to pursue their PMYBL with a commitment to uplift the youth – providing A professional ambitions and start their dream business. them with opportunities of financial independence and The main objective of the PMYBL Scheme is to provide empowerment. loans to the unemployed youth. Sunny Side Sunny Soneri Bank shines the light of convenience on your everyday affairs with the new Soneri Bank shines the light of convenience on your everyday affairs Soneri Asaan Account. Account gives you an array of effective Asaan and for everyone – the Soneri Easy, features that provide simple solutions to all your banking needs. So stop walking on Account. Asaan eggshells around the idea of banking and get your own Soneri Choose from Asaan Current or Asaan Savings account Asaan Current or Choose from Open an account with minimum documentation No minimum balance required Account Asaan Current Accidental Insurance Coverage on Free Alerts SMS Mobile & Internet Banking facilities Debit Card* Free Visa The The

55 54 Soneri 2015 Roshni November Soneri 2015 Roshni November Soneri Winnings at Jeeto Pakistan

Jeeto Pakistan is the country’s biggest and most popular the Jeeto Pakistan show were distributed to winners game show. The show is most watched during Ramadan, through a digital contest held on the Soneri Bank in which the winnings are plentiful. Facebook page.

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

Digital Matters 56 Soneri 2015 Roshni November Soneri Digital Making Waves Path Ways in Social Media

2015 has been the year of digital growth at Soneri Bank interaction with our customers digitally. Also, we will be The Soneri Bank digital landscape has been on a Below are some of the campaign highlights run on the Limited with varied communication of product promotions, targeting to market our digital shop which would also continuous expansion since its launch, especially in the last digital medium: Facebook & Twitter contests, festive markings and generic include the on-going development of our Mobile banking. quarter (April – August ’15) in which a substantial growth in banking content. Due to which we have received a page likes has taken place. A total of 3,869 new users have Lifetime Total Likes promising response that has helped us in enhancing our At the start of a new quarter, we at Soneri firmly believe that added Soneri Bank to their fan list summing Soneri Bank’s 248000 engagement level. with the increase in acceptance of technology, sooner or Facebook page total to 243,728. A series of creative, fresh 247000 246000 later Digital will far surpass the conventional. Akin to what and engaging activities were conducted which kept fans 245000

Our strategy is to create a consistent hype of Soneri Bank’s mobile phones have done to landlines and Laptops/Tablets entertained. These posts were interspersed with new 243728 244000 brand presence and engage maximum people to build have done to desktop PCs. Soneri Bank product and service campaign collaterals 243000

brand equity much for our youth target, that will reap which were all very well appreciated – maintaining a 242000 benefits in the future. With the help of our effective digital Wish you a very engaging browsing! top-of-the-mind recall for the brand. 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 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 brand’s presence and sustainability. Abid Saleem Digital Marketing Officer Furthermore, the whole combination was very well Soneri Bank Limited 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. 59

With a click solution to access all the products and Soneri Visa Debit Card Discount Offer Soneri Mehnat Wasool 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 Soneri 2015 Roshni November customers can raise queries and apply for 58 products/services. This would help us to increase the

Soneri Jeet Soneri Car Finance Scheme

Facebook Engagement engaged with content during the period of five months. The overall engagement on the page has been healthy, The following campaigns were uploaded to Soneri Bank’s establishing a two-way communication with the audience Facebook page which led to healthy engagements of Soneri 2015 Roshni November which is imperative in a brand’s image building agenda. plenty of users. The content shared on the page helped escalate traffic on the Soneri Bank website and Twitter. A total of 189,069 fans Soneri Mehnat Wasool Mehnat Wasool was a paid campaign, the content shared Soneri Mehnat Wasool was effectively campaigned during on Facebook was delivered to 1,196,428 which comprises the holy month of Ramadan, meeting the needs of of Paid + Organic. The total impressions of the campaign majority of customers having loved ones living abroad. were 1,938,181. Being impeccable on the timing, Soneri Bank was able to capture the remittance market in Ramadan. The Soneri Mehnat Wasool print ad was also promoted on Facebook reaching to 238,400 people through post The content was promoted on Facebook for the entire promotion. The post was also shared by 209 people. 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!

Soneri Mehnat Wasool TVC Pakistan 65th Independence Day

Soneri Visa Debit Card Discount Offers A total of 201 comments were received on the Soneri Visa Soneri Visa Debit Card Discount offers were launched Debit Card content whereas over 650 fans liked the posts. during the month of April with uniquely tempting deals. A total of 40 users shared the campaign on their walls. The campaign reached out to 18,163 organically without paid advertising, whereas, 1,294 people engaged with the content. The campaign received over 34,090 impressions on Soneri Bank’s Facebook newsfeed.

60 61 Soneri 2015 Roshni November Soneri 2015 Roshni November

Soneri Visa Debit Card Soneri Mehnat Wasool TVC Soneri Car Finance A total of 88,342 impressions were received on the shared Soneri Bank greeted Ramadan with the launch of a new A full-fledged campaign, the Soneri Car Finance Scheme, content on Soneri Bank’s news feed. The total comments TVC for Soneri Mehnat Wasool. The video post on was launched on the social media in the month of August. received on the content posted were 641, whereas 2,586 Facebook received a notable response and appreciation people liked the posts and was shared 138 times. from the fans. The TVC was promoted to achieve a The campaign received an overwhelming response with maximum exposure on Facebook while creating a fans showing their interest towards the product. The top-of-mind recall for Soneri Mehnat Wasool. The post product posts were supported by generic content which reached 829,856 people and was viewed 212,611 times. was based on Car Financing that helped the audience to 4,317 people liked the video and 131 people commented understand the product well. The content shared on the on it, 597 shared it on their feed. page reached 57,068 people out of which 4,026 people actively interacted on the shared posts.

Soneri Mehnat Wasool TVC

Soneri Jeet Contest At the start of Ramadan, another campaign was launched for Soneri Facebook and Twitter fans which was named “Soneri Jeet Contest”. Self-explanatory from the name itself – the campaign was about adding value to the Independence Day Pakistan Ramadan celebrations for fans. Soneri Bank wished its fans a Happy Independence Day on Facebook & Twitter on 14th of August with the most The campaign was based on a trivia in which the fans were interactive campaign of the year by Soneri Bank required to answer questions from the Soneri Mehnat “#SonehraPakistan” on Twitter. Wasool TVC. The selected winners will be given a chance 62 to participate in the most watched game show across the country, “Jeeto Pakistan” in their special Ramadan transmission.

The campaign comprised of 20 questions spread throughout the month of Ramadan. The fans actively participated in the contest which resulted in a high engagement. There were 19,875 fans who engaged in this particular campaign. The Soneri Jeet content reached out to 192,618 unique users and the total impressions received

Soneri 2015 Roshni November 63 on this campaign were 308,247.

Facebook and Twitter fans found the contest very engaging #SonehraPakistan which ended up in creating thousands of stories on their Pakistan 65th Independence Day timelines and also received new page likes during the time period. About 9059+ comments were received across the 21-day campaign whereas the total post likes were over 13,444 and 1318 fans shared it on their timelines.

A total of 10 winners were picked via lucky draw who then Soneri 2015 Roshni November participated in the most famous TV game show “Jeeto Pakistan”. The contest created a lot of buzz for Soneri Bank on social media platforms. #SonehraPakistan Twitter Campaign The content shared on Twitter reached to 2.8 million Soneri’s aim this year was to bring together individuals from people and received 10 million+ impressions. several cities of Pakistan in one place through social media – to generate positive sentiments about the country. There were 5,221 Tweets generated during the period of 3 days. 1,524 people stayed engaged with the content #SonehraPakistan was all about displaying the brighter shared on Soneri Bank’s Twitter account. side of Pakistan and providing fans a platform where they can only talk about the greatest achievements and beauty of Pakistan.

Soneri Bank succeeded and created a digital benchmark. The campaign was conducted on Twitter where only key opinion leaders shared their positive views about Pakistan.

#SonehraPakistan was a trivia based campaign where fans were asked 12 different questions based on Pakistan. The campaign ran for 3 days (11-13 August). The fans actively participated in the contest which concluded with a total of 12 winners announced via lucky draw on Twitter only, from all over Pakistan.

This activity created positive sentiments about the brand and our country resulting in generating brand advocates. #SonehraPakistan did not only establish its mark on social media but also managed to hit the list of top trends on 14th August for a day.

#SonehraPakistan Winners Announcement #SonehraPakistan became the top trend on Twitter within a short span of time and remained at the top trends on the 14th & 15th of August. 65 64 Soneri 2015 Roshni November Soneri 2015 Roshni November Key opinion leaders also wrote on their blogs about #SonehraPakistan, where they showed the positive image of Pakistan which boosted brand credibility for Soneri Bank.

Up till now, there have been a total of 411,828 visitors of the Most of the visits on Soneri Bank’s website came from website. Below highlights the top pages visited by users. desktop PC users followed by mobile phones and tablet Evidently, Soneri Mehnat Wasool’s post had the most devices. The bounce rate of the website has improved from number of user visits with the help of Google Advertising. 71.12% to 63.56%. There has also been an increase in the number of visits from mobile and tablets users - over 30% of the total audience.

Unique Avg. Time Bounce Page Page Pageviews Pageviews on Page Entrances Rate % Exit Value 411,828 318,889 00:01:47 203,659 66.30% 49.45% $0.00 % of Total: % of Total: Avg for View: % of Total: Avg for View: Avg for View: % of Total: 100.00% (411,828) 100.00% (318,889) 00:01:47 (0.00%) 100.00% (203,659) 66.30% (0.00%) 49.45% (0.00%) 0.00% ($0.00) 1. / 175,209 (42.54%) 128,730 (40.37%) 00:02:19 116,675 (57.29%) 66.38% 58.19% $0.00 (0.00%) 2. /home-remittance/soneri-mehnat- 32,375 (7.86%) 29,855 (9.36%) 00:02:10 27,512 (13.51%) 92.45% 86.12% $0.00 (0.00%) wasool-remittance/ 3. /retail-banking/online-banking/ 19,953 (4.12%) 11,572 (3.63%) 00:00:58 6,355 (3.12%) 22.19% 20.99% $0.00 (0.00%) 4. /human-resources/ 14,530 (3.53%) 12,980 (4.07%) 00:01:40 6,067 (2.98%) 82.74% 68.69% $0.00 (0.00%) 5. /contact-us/ 14,293 (3.47%) 11,712 (3.67%) 00:02:06 4,368 (2.14%) 62.16% 47.59% $0.00 (0.00%) 6. /branch-locator/ 13,737 (3.34%) 11,312 (3.55%) 00:02:46 9,230 (4.53%) 58.68% 56.30% $0.00 (0.00%) 7. /retail-banking/electronic-banking/ 13,506 (3.28%) 9,168 (2.87%) 00:01:08 6,154 (3.02%) 21.95% 22.68% $0.00 (0.00%) internet-banking/ Soneri Bank Website 8. /retail-banking/current-account/ 9,316 (2.26%) 6,330 (1.99%) 00:01:03 745 (0.37%) 29.26% 18.65% $0.00 (0.00%) www.soneribank.com 9. /islamic-banking/branches/ 7,150 (1.74%) 5,405 (1.69%) 00:01:35 2,449 (1.20%) 42.06% 36.45% $0.00 (0.00%) 10. /retail-banking/electronic-banking/ 6,172 (1.50%) 4,617 (1.45%) 00:01:36 1,629 (0.80%) 47.88% 30.06% $0.00 (0.00%) Soneri Bank has been creatively promoting its products atm-visa-debt-card/ and services on the Soneri website which has helped in increasing traffic. A constant improvement has been Device 67 66 Acquisition Behavior Conversions observed in the total number of visits. Category Sessions % New New Users Bounce Rate Pages / Avg. session Goal Conversion Goal Goal Sessions Session Duration Rate Completions Value 203,661 58,81 119,778 66,30 2.02 00:01:50 0.00% 0 $0.00 % of Total: Avg for View: % of Total: Avg for View: Avg for View: Avg for View: Avg for View: % of Total: % of Total: 100.00% (203,661) 58.78% (0,06%) 100.06% (119,707) 66.30% (0.00%) 2.02% (0.00%) 00:01:50 (0.00%) 0.00% (0.00%) 0.00% (0) 0.00% ($0.00) 1. desktop 141,908 (69.68%) 52,51% 74,518 (62.21%) 63.56% 2.09% 00:02:03 0.00% 0 (0.00%) $0.00 (0.00%) 2. mobile 53,771 (26.40%) 74,55% 40,087 (33.47%) 72.34% 1.87% 00:01:16 0.00% 0 (0.00%) $0.00 (0.00%) 3. tablet 7,982 (3.92%) 64,81% 5,173 (4.32%) 74.29% 1.90% 00:01:28 0.00% 0 (0.00%) $0.00 (0.00%) Soneri 2015 Roshni November

Soneri 2015 Roshni November Summary Major campaigns were also promoted on the website, All campaigns executed on the social media have received widely covering significant portions of the social media a remarkable response from both fans and customers. segment. The overall effort has also increased the fans and Campaigns such as Soneri Jeet and Sonehra Pakistan customers’ knowledge regarding Soneri Bank products and performed very well, promoting engagement and services. interactions for the brand. During the period of 5 months, Soneri Bank has managed to conduct several product offerings and posts that comprised of banking, saving, budgeting tips and quiz questions that kept the page fans engaged on both Facebook and Twitter.