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Annual Report 2015
Placement Office, 2015 Lahore School of Economics Ms. Rabia Suhail Ms. Zahra Haroon Mr. Ahmad Tiwana Placement Office, 2015 Contents TCS ............................................................................................................................................................... 3 Nishat Chunian.............................................................................................................................................. 4 Dunya News .................................................................................................................................................. 5 Faysal Bank ................................................................................................................................................... 5 HBL Interviews ............................................................................................................................................. 5 JCR - VIS Credit Rating Company Limited ................................................................................................. 6 Bank Alfalah (Session) ................................................................................................................................. 6 OBS (Recruitment) ....................................................................................................................................... 8 Mobilink (Session) ........................................................................................................................................ 9 DIGITAL GLOBAL -
(Winner)MCB Bank Limited Best Bank of the Year 2017 – Mid Size Banks
Banking: Best Bank of the year 2017 – Large Size Banks (Winner)MCB Bank Limited Best Bank of the year 2017 – Mid Size Banks (Winner) Bank Al Habib Limited Best Bank of the year 2017 – Small Size Banks Industrial and Commercial Bank of China (Winner) Limited Best Islamic Window of the year 2017 (Winner) Habib Bank Limited Best Islamic Bank of the year 2017 (Winner) Meezan Bank Limited Corporate Finance: Transaction of the year 2017 (Winner) Habib Bank Limited for Dasu Hydropower Project Best Corporate Finance House of the year (Fixed Income) 2017 United Bank Limited (Winner) Best Corporate Finance House of the year (Fixed Income) 2017Habib Bank Limited (Runner-up) Best Corporate Finance House of the year (Equity & Advisory) - Banks Bank Alfalah Limited 2017 (Winner) Best Corporate Finance House of the year (Equity & Advisory) - Banks United Bank Limited 2017 (Runner-up) Best Corporate Finance House of the year (Equity & Advisory) – Arif Habib Limited Security Firms 2017 (Winner) Best Corporate Finance House of the year (Equity & Advisory) – AKD Securities Limited Security Firms 2017 (Runner-up) Investor Relations: Best Investor Relations – Listed Companies 2017 (Winner) Bank Alfalah Limited Best Investor Relations – Listed Companies 2017 (Runner-up) Engro Fertilizers Limited Women in Finance Initiative: Gender Diversity at Workplace Award 2017 (Winner) Unilever Pakistan Limited Recognizing Gender Diversity Award – Special Recognition: Local National Foods Limited Industry 2017 (Winner) Recognizing Gender Diversity Award – Special Recognition: -
Key Fact Statement for Islamic Roshan Digital Account
Key Fact Statement Date D D M M Y Y Y Y For Islamic Roshan Digital Account Bank Alfalah Limited, City Branch IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Account Types and Salient Features: This information is accurate as of the date above. Services, fees and prot rates may change on bi-annual basis, or as and when deemed necessary by the Bank. For updated fees/charges, you may visit our website or visit our branches. Islamic Particulars PKR Roshan PKR Roshan FCY Roshan FCY Roshan Digital Current Digital Savings Digital Current Digital Savings Account Account Account Account Currency USD/GBP/EUR/AED/ USD/GBP/EUR/AED/ PKR PKR SAR/CAD SAR/CAD To open Minimum Balance - - - - for Account To keep - - - - Account Maintenance Fee Nil - Nil Nil Is Prot Paid on account No Yes No Yes Indicative Prot Rate % Not Applicable 5.84% p.a. Not Applicable 0.18% - 1.25% p.a. Prot Payment Frequency Not Applicable Monthly Not Applicable Monthly On each Rs. 100,000 On each 1,000 units of Example: Not Applicable you can earn Not Applicable FCY, you can earn up to Rs. 448 - 496 0.13 - 1.06 units per per prot payment. prot payment. Premature/Early Encashment/ No premature No premature No premature No premature Withdrawal Fee encashment/ encashment/ encashment/ encashment/ withdrawal fee. withdrawal fee. -
Supreme Court of Pakistan And
SUPREME COURT OF PAKISTAN AND PRIME MINISTER OF PAKISTAN'S DIAMER BHASHA AND MOHMAND DAM FUND ACCOUNT LIST OF DONOR FOR 03 OCTOBER-19 RECEIPT Bank Depositor Name Amount AL BARAKA BANK (PAKISTAN) LTD YASMIN ZUBAIR 1,000 AL BARAKA BANK (PAKISTAN) LTD Total 1,000 Allied Bank Limited GULZAR ALI 1,000 Allied Bank Limited ZAINAB AZIZ 500 Allied Bank Limited SALMAN HASSAN KHAWAJA 25 Allied Bank Limited RAZA SAADAT 20 Allied Bank Limited Total 1,545 Askari Bank Limited RIAZUDDIN AHMED 4,000 Askari Bank Limited SAADIA AAMIR MALIK 1,000 Askari Bank Limited NASIR ADNAN 60 Askari Bank Limited JANSA WAQAS 50 Askari Bank Limited Total 5,110 Bank Al Falah Limited MUHAMMAD NAEEM 500 Bank Al Falah Limited Total 500 Bank Al Habib Limited AMIR SHAHZAD 5,000 Bank Al Habib Limited MUHAMMAD ASJID USMANI 2,000 Bank Al Habib Limited TURAB HUSSAIN 1,000 Bank Al Habib Limited ABDULLAH 11 Bank Al Habib Limited Total 8,011 Bank Alfalah Islamic Banking RUKHSANA WAKEEL 10,000 Bank Alfalah Islamic Banking NAEEM AHMED JAVED 10,000 Bank Alfalah Islamic Banking KHALID MAHMOOD CHAUDHARY 10,000 Bank Alfalah Islamic Banking MUHAMMAD SAAD WAHEED 5,000 Bank Alfalah Islamic Banking AHMAD FAROOQ GHUMNI 5,000 Bank Alfalah Islamic Banking M TARIQ ABBAS 4,000 Bank Alfalah Islamic Banking HESSAM 3,500 Bank Alfalah Islamic Banking FAZZAL HAQ 1,000 Bank Alfalah Islamic Banking FAZAL HAQ 700 Bank Alfalah Islamic Banking M SADIQ 500 Bank Alfalah Islamic Banking MIAN HUMAYUN 200 Bank Alfalah Islamic Banking AMIR ALI 100 Bank Alfalah Islamic Banking Total 50,000 CITI Bank N A PAKISTAN -
KFS Current Accounts Silkbank (Final).FH11
Key Fact Statement for Deposit Accounts Silkbank Limited, Date ___- ___-____ IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Branch, City Account Types & Salient Features: This information is accurate as of the date above. Services, fees and mark-up rates may change on a bi-annual basis. For updated fees/charges, you may visit our website or visit our branches. Conventional Particulars All in One Account Business Value Business Value Online Express Basic Banking Asaan Account Salary Premium Salary Premium Pensioner Account Foreign Currency Account Account Plus Account Plus Account Currency PKR PKR PKR PKR PKR PKR PKR PKR PKR USD, GBP, EUR To open Rs. 2,500/- Rs. 2,500/- Rs. 2,500/- Rs. 2,500/- Rs. 1,000/- Rs. 100/- Zero Zero Rs. 2,500/- Rs. 2,500/- Minimum Balance for Account ( ) USD = 5,000 To keep Zero Rs. 100,000/- Zero Rs. 50,000/- Zero Zero Zero Zero Zero ( ) GBP = 3,000 ( ) EUR = 3,000 Account Maintenance Fee Zero Rs. 43/- Zero Rs. 43/- Zero Zero Zero Zero Zero 1 USD/GBP/EUR Is profit paid on account subject to the applicable tax rate No No No No No No No No No No Indicative Profit Rate (%) Profit Payment Frequency Provide example Premature / Early Encashment / Withdrawal Fee Service Charges IMPORTANT: This is a list of the main service charges for this account. -
Prospectus, Especially the Risk Factors Given at Para 4.11 of This Prospectus Before Making Any Investment Decision
ADVICE FOR INVESTORS INVESTORS ARE STRONGLY ADVISED IN THEIR OWN INTEREST TO CAREFULLY READ THE CONTENTS OF THIS PROSPECTUS, ESPECIALLY THE RISK FACTORS GIVEN AT PARA 4.11 OF THIS PROSPECTUS BEFORE MAKING ANY INVESTMENT DECISION. SUBMISSION OF FALSE AND FICTITIOUS APPLICATIONS ARE PROHIBITED AND SUCH APPLICATIONS’ MONEY MAY BE FORFEITED UNDER SECTION 87(8) OF THE SECURITIES ACT, 2015. SONERI BANK LIMITED PROSPECTUS THE ISSUE SIZE OF FULLY PAID UP, RATED, LISTED, PERPETUAL, UNSECURED, SUBORDINATED, NON-CUMULATIVE AND CONTINGENT CONVERTIBLE DEBT INSTRUMENTS IN THE NATURE OF TERM FINANCE CERTIFICATES (“TFCS”) IS PKR 4,000 MILLION, OUT OF WHICH TFCS OF PKR 3,600 MILLION (90% OF ISSUE SIZE) ARE ISSUED TO THE PRE-IPO INVESTORS AND PKR 400 MILLION (10% OF ISSUE SIZE) ARE BEING OFFERED TO THE GENERAL PUBLIC BY WAY OF INITIAL PUBLIC OFFER THROUGH THIS PROSPECTUS RATE OF RETURN: PERPETUAL INSTRUMENT @ 6 MONTH KIBOR* (ASK SIDE) PLUS 2.00% P.A INSTRUMENT RATING: A (SINGLE A) BY THE PAKISTAN CREDIT RATING COMPANY LIMITED LONG TERM ENTITY RATING: “AA-” (DOUBLE A MINUS) SHORT TERM ENTITY RATING: “A1+” (A ONE PLUS) BY THE PAKISTAN CREDIT RATING AGENCY LIMITED AS PER PSX’S LISTING OF COMPANIES AND SECURITIES REGULATIONS, THE DRAFT PROSPECTUS WAS PLACED ON PSX’S WEBSITE, FOR SEEKING PUBLIC COMMENTS, FOR SEVEN (7) WORKING DAYS STARTING FROM OCTOBER 18, 2018 TO OCTOBER 26, 2018. NO COMMENTS HAVE BEEN RECEIVED ON THE DRAFT PROSPECTUS. DATE OF PUBLIC SUBSCRIPTION: FROM DECEMBER 5, 2018 TO DECEMBER 6, 2018 (FROM: 9:00 AM TO 5:00 PM) (BOTH DAYS INCLUSIVE) CONSULTANT TO THE ISSUE BANKERS TO THE ISSUE (RETAIL PORTION) Allied Bank Limited Askari Bank Limited Bank Alfalah Limited** Bank Al Habib Limited Faysal Bank Limited Habib Metropolitan Bank Limited JS Bank Limited MCB Bank Limited Silk Bank Limited Soneri Bank Limited United Bank Limited** **In order to facilitate investors, United Bank Limited (“UBL”) and Bank Alfalah Limited (“BAFL”) are providing the facility of electronic submission of application (e‐IPO) to their account holders. -
COMPARATIVE ANALYSIS of FINANCIAL PERFORMANCE and GROWTH of CONVENTIONAL and ISLAMIC BANKS of PAKISTAN Ishtiaq Khan, Sarhad University of Science & IT, Peshawar
COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE AND GROWTH OF CONVENTIONAL AND ISLAMIC BANKS OF PAKISTAN Ishtiaq Khan, Sarhad University of Science & IT, Peshawar. Email: [email protected] Wali Rahman, Associate Professor, Sarhad University of Science & IT, Peshawar. Email: [email protected] Saeedullah Jan, Khushal Khan Khattak University, Karak. Email: [email protected] Mustaq Khan, Abasyn University of Science & IT, Peshawar Email: [email protected] Abstract. Various types of the banking system are operating in the world. The most commons are conventional and Islamic. Customers evaluate these systems before they decide in invest. The prime aim of this study is to assess and compare the financial performance and growth of conventional and Islamic banks operating in Pakistan. Banks offer different types of products and services for the satisfaction of customers for their financial needs. Conventional banking is based on interest while Islamic banking offers interest-free banking. To compare their respective performance financial ratios are applied. In Pakistan, Habib Bank Limited and Allied Bank Limited are typical examples of the conventional banking whereas Dubai Islamic Bank Limited and Meezan Bank Limited are operating as Islamic banking. Three (03) years data were obtained from the “Financial Statement Analysis of Financial Sector of Pakistan 2009-2011” State Bank of Pakistan publication. The analyses reflect that the liquidity ratio of Islamic banks appeared higher as compared to conventional banks, whereas the profitability and solvency ratios of conventional banks were comparatively higher than Islamic banks. Debt to asset ratio of Islamic banks seemed better than conventional banks due to low debt financing. Also, with regard to expansion, the growth rate of Islamic banks in Pakistan is comparatively higher than conventional banks. -
ANNUAL REPORT 2008 the Management Team Is Also Being Trained on Various Basel II Requirements
Contents Corporate Information......................................................................01 Director’s Report to the Shareholders........................................02 Statement of Compliance with the Code of Corporate Governance.......................................................07 Statement of Internal Control........................................................09 Notice of Annual General Meeting...........................................10 Review Report to the Members on Statement of the Compliance with Best Practices of Code of Corporate Governance...................................................................12 Auditor’s Report to Members.......................................................13 Balance Sheet......................................................................................15 Profit and Loss Account..................................................................16 Cash Flow Statement.......................................................................17 Statement Of Changes In Equity................................................18 Notes to Financial Statements.....................................................19 Six Years Key financial Data...........................................................62 Annexure - 1.........................................................................................63 Combined Pattern of CDC and Physical Share Holdings...................................................................64 Combined Pattern of CDC and Physical Share Holdings ..................................................................65 -
IBFT- Account Number Formats
IBFT- Account Number Formats Allied Bank Please enter Allied Bank Account Number by following the layout below: Total Digits of Account Number: 13 or 20 Digits Format Example: BBBBAAAAAAAAA or BBBBAAAAAAAAAAAAAAAA BBBB = 4 Digit Branch Code, AAAAAAAAA = 9 Digit Account Number, AAAAAAAAAAAAAAAA = 16 Digit Account Number Apna Microfinance Bank Please enter Apna Microfinance Bank Account Number by following the layout below: Total Digits of Account Number: 16 Digits Format Example: BBBBAAAAAAAAAAAA BBBB = 4 Digit Branch Code, AAAAAAAAA = 12 Digits Askari Bank Please enter Askari Bank Account Number by following the layout below: Total Digits of Bank Account Number: 14 Digits Format Example: BBBB = 4 Digit Branch Code, AAAAAAAAAA = 10 Digit Account Number Branchless Banking Account # Always consist of 11 digits Mobile Number. Al-Baraka Please enter Bank Al-Baraka total digits of account Number: Total Digits of Account Number: 13 Digits Bank Alfalah Please enter Bank Alfalah Account Number by following the layout below: Conventional A/C#: Total Digits of Account Number: 14 Format Example: BBBBAAAAAAAAAA BBBB = 4 Digit Branch Code, AAAAAAAAAA = 10 Digit Account Number Islamic A/C#: Total Digits of Account Number: 18 Digit Format Example: BBBBAAAAAAAAAAAAAA BBBB = 4 Digit Branch Code, AAAAAAAAAAAAAA = 14 Digit Account Number Branchless Banking Account # : Always consist of 11 digits Mobile Number. Bank Al-Habib Please enter Bank Al-Habib Account Number by following the layout below: Total Digits of Account Number: 17 Digit Format -
Standard Settlement Instructions
Treasury & Financial Institutions Group STANDARD SETTLEMENT INSTRUCTIONS BANK ALFALAH LTD. - PAKISTAN CONVENTIONAL BANKING S. No. CURRENCY BANK / COUNTRY ACCOUNT NO. SWIFT CODE 1. ACU Dollar Bank Alfalah Limited 0701-32029040 ALFHBDDH 2. ACU Dollar Habib Bank Limited 2624032800618 HABBBDDH 3. ACU Dollar Union Bank of India 01003 UBININBB 4. ACU Dollar ICICI Bank Ltd. 000408000491 ICICINBB 5. ACU Dollar Hatton National Bank Ltd., 054010065847 HBLILKLX Mashreqbank PSC, 6. ACU Dollar Mumbai, India 61050949 MSHQINBB 7. ACU Euro Hatton National Bank Ltd 54010066822 HBLILKLX 8. ACU Euro MashreqBank PSC, Mumbai 61049703 MSHQINBB Bank Alfalah Limited 9. ACU Euro Bangladesh, Dhaka 0701-01660001 ALFHBDDH 10. AUD Westpac Banking Corporation ALF0001976 WPACAU2S 11. Canadian Dollar Bank of Montreal Account Number: 31691056928 BOFMCAM2 CNY (Chinese Yuan) Standard Chartered Bank 12. RMB (Renminbi) (China) Limited, Account Number:501510476874 SCBLCNSXSHA 3996019616 13. Danish Krone Danske Bank DK7230003996019616 DABADKKK IBAN: DE24 5004 0000 0880 7182 01; 14. Euro Commerzbank, A.G. Account Number: 400880718201 COBADEFF IBAN: AT79 1100 0010 1161 8400; 15. Euro Unicredit Bank Austria AG Account Number: 01011618400 BKAUATWW Account Number: 1149245009; IBAN: 16. Euro National Bank of Pakistan DE27 501 30000 1149245001 NBPADEFF Account Number: 100100004291; IBAN: 17. Euro Intesa Sanpaolo SpA IT05Z0306940101100100004291 BCITITMM 18. Euro SCB, Frankfurt 018080105 SCBLDEFX 19. Japanese Yen National Bank of Pakistan 21063 NBPAJPJT 20. Pound National Westminster Bank IBAN: GB84NWBK60000404625528; Sort Sterling plc Code: 60-00-04 NWBKGB2L Pound 01707999001 21. Sterling Standard Chartered Bank IBAN: GB87 SCBL 6091 0417 0799 90 SCBLGB2L Alawwal Bank ( Formerly 31002231021 22. Saudi Riyal Saudi Hollandi Bank) IBAN # SA2150000000031002231021 AAALSARI 23. Saudi Riyal Banque Saudi Fransi IBAN # SA5655000000000705900137 BFSRSARI Singapore 24. -
Annual REPORT 2011 SILKBANKT
ANNUAl REPORT 2011 SILKBANKT Notice of AGM & Auditors' Review 35 Auditors' Report 39 Financial Statements 43 Six Years' Rnancial Highlights 44 Statement of Financial Position 50 Profit & Loss Account 51 Statement of Comprehensive Income 52 Vision & Mission 02 Cash Row Statement 53 Message from Chairman 04 Statement of Changes in Equity 54 President & CEO's Review 06 Notes to the Financial Statements 55 Senior Management Committee 09 Statement of Written-off Loans 100 Profiles of Board of Directors 13 Achievements & CSR 103 Corporate Information 17 Additional Shareholders' Information 110 Directors' Report 21 Pattern of Share Holdings CDC & Physical 111 Statement of Compliance with 29 Branch Network 114 the Code of Corporate Governance Foreign Correspondents 116 & Statement of Internal Control Proxy Form 119 To be the leader in premier banking, trusted by customers for accessibility, service and innovation; be an employer of choice creating value for all stakeholders In the aftermath of the economic slowdown since 2008, Non-Performing Loans (NPLs) have dampened the profitability dynamics of commercial banks. I am pleased to advise you that contrary to the banking industry trend, your Bank managed to register a significant reduction in NPLs, in each consecutive year since the takeover by the new management. An NPL reduction by the Special Assets Management team of Rs. 3.398 billion and a Provision Reversal of Rs. 1.829 billion was recorded for the year 2011. The Real Estate Asset Management team (REAM) also supported the Special Assets Management team by successfully selling off various properties held as OREO (Other Real Estate Owned), during the year. -
Snapshot of Results of Banks in Pakistan Snapshot of Results of Banks in Pakistan Six Months Period Ended 30 June 2016
KPMG Taseer Hadi & Co. Chartered Accountants Snapshot of results of Banks in Pakistan Snapshot of results of banks in Pakistan Six months period ended 30 June 2016 This snapshot has been prepared by KPMG Taseer Hadi & Co. and summarizes the performance of selected banks in Pakistan for the 6 months period ended 30 June 2016. The information contained in this snapshot has been obtained from the published consolidated financial statements of the banks and where consolidated financial statements were not available, standalone financials have been used. Reference should be made to the published financial statements of the banks to enhance the understanding of ratios and analysis of performance of a particular bank. We have tried to provide relevant financial analysis of the banks which we thought would be useful for benchmarking and comparison. However, we welcome any comments, which would facilitate in improving the contents of this document. The comments may be sent on [email protected] Dated: 23 September 2016 Karachi © 2016 KPMG Taseer Hadi & Co., a Partnership firm registered in Pakistan and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved. 2 Document Classification: KPMG Public HBL NBP UBL MCB ABL BAF 2016 2015 2016 2015 2016 2015 2016 2015 2016 2015 2016 2015 Ranking By total assets 1 1 2 2 3 3 4 4 5 5 6 6 By net assets 1 1 2 2 3 3 4 4 5 5 7 7 By profit before tax 1 1 4 4 2 3 3 2 5 5 7 8 Profit before tax * 28,298