Chase Statement for Transfer to Another Bank
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Introduction
INTRODUCTION Bank Alfalah Limited was incorporated in June 21st, 1997 as a public limited company under the Companies Ordinance 1984. Its banking operations commenced from November 1st, 1997. The bank is engaged in commercial banking and related services as defined in the Banking companies ordinance 1962. The Bank is listed on all the three stock exchanges of Pakistan. The Bank is engaged in banking services as described in the Banking Companies Ordinance, 1962 and is operating through 191 conventional banking branches, 32 Islamic banking branches and 7 overseas branches and 1 Offshore Banking Unit, with the registered office at B.A. Building, I.I. Chandigarh, Karachi. Since, its inception as the new identity of H.C.E.B after the privatization in 1997, the management of the bank has implemented strategies and policies to carve a distinct position for the bank in the market place. Strengthened with the banking of the Abu Dhabi Group and driven by the strategic goals set out by its board of management, the Bank has invested in revolutionary technology to have an extensive range of products and services. This facilitates their commitment to a culture of innovation and seeks out synergies with clients and service providers to ensure uninterrupted services to its customers. The bank perceived the requirements of customers and matches them with quality products and service solutions. During the past five years, bank has emerged as one of the foremost financial institution in the region endeavoring to meet the needs of tomorrow as well as today. To continually upgrade the quality of service to the customers, training of team members in all the integral aspects of banking, customer service and IT was specially focused. -
Annual Report 2011
SoneriBank Soneri B8nk Limited Regla11ered ortlce: Rupall House 241-242, - Upper Mall Scheme, Anand Road, Lahore - 54000, Pakistan Tel: (042) 35713101-04 Head Otnc:e: 90·8-C/11, Uberty Market, Gulberg Ill, LahcnJ • 54000, Pakistan Tal: (042) 35772362-65 Central Office: 51h FlOOr, AJ.Rahim Tower, 1.1. Chundrigar Road, Karachi ·74000, Pakistan J Tal: (021) 32439562-67 Webde: www.aonertbank.com 2417 Call C.ntre: 0800-00500 UAN: 111-80NERI Soneri Bank Limited nnnUHL REPORT 2U II An experience Beyond Banking Soneri Bank Limited R~~URl ~frO~T 2011 OUR MISSION To develop Soneri Bank into an aggressive and dynamic financial institution having the capabilities to provide personalized service to customers with cutting edge technology and a wide range of products, and during the process ensure maximum return on assets with the ultimate goal of serving the economy and the society. Soneri Bank Limited R~~URl ~frO~T 2011 Products and Services 07 Corporate Information 13 Board Committees 14 Management Committees 15 Key Performance Indicators 17 Six Years' Financial Summary 18 Six Years' Growth Summary 20 Six Years' Vertical Analysis 22 Six Years' Horizontal Analysis 24 Directors' Report to Shareholders 27 Statement of Value Addition 33 Statement of Internal Controls- by President 34 Statement of Internal Controls- by Chairman 35 Statement of Compliance with Best Practices of Code of Corporate Governance 36 Auditors' Review Report to The Members on Statement of Compliance with Best Practices of Code of Corporate Governance 38 Auditors' Report to The Members 39 Statement of Financial Position 40 Profit and Loss Account 41 Statement of Comprehensive Income 42 Cash Flow Statement 43 Statement of Changes in Equity 44 Notes to the Financial Statements 45 Shariah Advisor's Report 99 Notice of Annual General Meeting 101 Pattern of Shareholding 103 List of Branches 106 List of Foreign Correspondents 110 Soneri Bank Limited nnn ~Al ~Ero~r 2011 nnn~nl ~Ero~r 2011 As of 31 December 2011 Soneri Bank Limited was incorporated on September 28, 1991. -
12. BANKING 12.1 Scheduled Banks Operating in Pakistan Pakistani Banks
12. BANKING 12.1 Scheduled Banks Operating in Pakistan Pakistani Banks Public Sector Banks Nationalized Banks 1. First Women Bank Limited 2. National Bank of Pakistan Specialized Banks 1. Industrial Development Bank of Pakistan (IDBP) 2. Punjab Provincial Co-operative Bank Limited (PPCB) 3. Zarai Traqiati Bank Limited 4. SME Bank Ltd. Provincial Banks 1. The Bank of Khyber 2. The Bank of Punjab Private Domestic Banks Privatized Bank 1. Allied Bank of Pakistan Limited 2. Muslim Commercial Bank Limited 3. United Bank Limited 4. Habib Bank Ltd. Private Banks 1. Askari Commercial Bank Limited 2. Bank Al-Falah Ltd. 3. Bank Al-Habib Ltd. 4. Bolan Bank Ltd. 5. Faysal Bank Ltd. 6. KASB Bank Limited 7. Meezan Bank Ltd. 8. Metropolitan Bank Ltd 9. Prime Commercial Bank Ltd. 10. PICIC Commercial Bank Ltd. 11. Saudi-Pak Commercial Bank Limited 12. Soneri Bank Ltd. 13. Union Bank Ltd. Contd. 139 12.1 Scheduled Banks Operating in Pakistan Private Banks 14. Crescent Commercial Bank Ltd. 15. Dawood bank Ltd. 16. NDLC - IFIC Bank Ltd. Foreign Banks 1. ABN AMRO Bank NV 2. Al-Baraka Islamic Bank BSC 3. American Express Bank Ltd. 4. Citi Bank NA 5. Deutsche Bank AE 6. Habib Bank AG Zurich 7. Oman International Bank SAOG 8. Rupali Bank Ltd 9. Standard Chartered Bank Ltd. 10. The Bank of Tokyo-Mitsubishi Ltd. 11. The Hong Kong & Shanghai Banking Corporation Ltd. Source: SBP Note: Banks operating as on 30th June, 2004 140 12.2 State Bank of Pakistan - Assets of the Issue Department (Million Rupees) Last Day of June Particulars 2003 2004 2005 Total Assets 522,891.0 611,903.7 705,865.7 1. -
Annual Financial Report Contains Translations of Certain Australian Dollar Amounts Into US Dollars at Specified Rates
NAB Full financials 11/11/01 5:06 PM Page 1 Table of contents Financial performance 2 Financial report 60 Description of business 3 Statement of financial performance 62 Introduction 3 Statement of financial position 63 Vision and strategy 3 Statement of cash flows 64 Business operating model 3 Notes to the financial statements 65 Business and Personal Financial Services 3 Directors’ declaration 165 Specialist and Emerging Businesses 5 Auditors’ report 166 National Shared Services 5 Shareholder information 167 Wholesale Financial Services 5 Forward-looking statements 183 Wealth Management 6 Form 20-F cross reference index 184 HomeSide 6 Principal establishments 185 Corporate Centre 7 Sale of Michigan National Corporation 7 Competition 7 Regulation of the financial services system 7 Privacy 8 Organisational structure 8 Description of property 8 Certain legal proceedings 8 Financial review Overview 9 Selected financial data 12 Net interest income 15 Other banking and financial services income 18 Mortgage servicing and origination revenue 19 Life insurance business 19 Personnel expenses 21 Occupancy expenses 21 General expenses 21 Significant operating expenses 21 Charge to provide for doubtful debts 22 Significant non-operating items 23 Net profit by segment 24 Assets and equity 30 Return on average equity 30 Shareholder value 31 Earnings and dividends per share 32 Liquidity and capital resources 32 Capital adequacy 33 Changes in financial condition 35 Total assets under management and administration 35 Gross loans and advances 36 Impaired assets, provisions and allowance for loan losses 37 Deposits and other borrowings 40 Risk management 41 People and Culture 45 European Economic and Monetary Union 46 Risk factors 46 Goods and services tax 47 Accounting developments 47 Corporate governance statement 48 Report of the directors 52 1 NAB Full financials 11/11/01 5:06 PM Page 2 Financial performance Profitability $b Profit and significant items 5 Profit before significant items • Net profit after significant items decreased 35.7 per cent to $2,083 4 million. -
Annual Financial Report 2000
ANNUAL FINANCIAL REPORT 2000 ANNUAL Annual Financial Report 2000 Principal establishments National Australia Bank HomeSide Lending Singapore Branch National Australia Group Limited Australia 5 Temasek Boulevard Europe Limited Group Offices and 120 Spencer Street 15-01 Suntec Five Tower The Athenaeum Australian Financial Melbourne Vic 3000 Singapore 038985 8 Nelson Mandela Place Services (GPO Box 14547 Melbourne Glasgow G2 1BN 500 Bourke Street City MC Vic 8001) Tel: + 65 338 0038 Scotland (GPO Box 84A) Fax: + 65 338 0039 Melbourne Vic 3000 Tel: (in Aust.) 13 24 64 Tel: +44 141 223 5958 Australia Fax: +61 3 9601 7711 Tokyo Branch Fax: +44 141 223 5959 Mitsui Nigokan Tel: +61 3 8641 3500 O2-e Limited 2-1-1, Nihonbashi London Office Fax: +61 3 8641 4916 Level 1 Muromachi 6 – 8 Tokenhouse Yard www.national.com.au 553 St Kilda Road Chuo-ku London EC2R 7AJ Melbourne Vic 3004 Tokyo 103-0022 United Kingdom Australia Japan National Wealth Tel: +44 171 710 2100 Management Holdings Tel: +61 3 9909 8900 Tel: + 81 3 3241 8781 Fax: +44 171 588 8356 Limited Fax: +61 3 9909 8999 Fax: + 81 3 3241 5369 105 – 153 Miller Street www.o2-e.com North Sydney NSW 2060 National Australia Life Australia Bangkok Representative 91 Gresham Street Michigan National Office London EC2V 7NT Tel: +61 2 9957 8000 Corporation 16/F, Sathorn Thani United Kingdom Fax: +61 2 9957 6881 27777 Inkster Road Building 1 (PO Box 9065) 90 North Sathorn Road Tel: +44 171 710 2100 Fax: +44 171 726 4926 MLC Farmington Hills MI 48333- Bangkok 10500 MLC Building 9065 Thailand 105 – 153 Miller -
Australia's Best Banking Methodology Report
Mozo Experts Choice Awards Australia’s Best Banking 2021 This report covers Mozo Experts Choice Australia’s Best Banking Awards for 2021. These awards recognise financial product providers who consistently provide great value across a range of different retail banking products. Throughout the past 12 months, we’ve announced awards for the best value products in home loans, personal loans, bank accounts, savings and term deposit accounts, credit cards, kids’ accounts. In each area we identified the most important features of each product, grouped each product into like-for-like comparisons, and then calculated which are better value than most. The Mozo Experts Choice Australia's Best Banking awards take into account all of the analysis we've done in that period. We look at which banking providers were most successful in taking home Mozo Experts Choice Awards in each of the product areas. But we also assess how well their products ranked against everyone else, even where they didn't necessarily win an award, to ensure that we recognise banking providers who are providing consistent value as well as areas of exceptional value. Product providers don’t pay to be in the running and we don’t play favourites. Our judges base their decision on hard-nosed calculations of value to the consumer, using Mozo’s extensive product database and research capacity. When you see a banking provider proudly displaying a Mozo Experts Choice Awards badge, you know that they are a leader in their field and are worthy of being on your banking shortlist. 1 Mozo Experts Choice Awards Australia’s Best Banking 2021 Australia’s Best Bank Australia’s Best Online Bank Australia's Best Large Mutual Bank Australia's Best Small Mutual Bank Australia’s Best Credit Union Australia’s Best Major Bank 2 About the winners ING has continued to offer Australians a leading range of competitively priced home and personal loans, credit cards and deposits, earning its place as Australia's Best Bank for the third year in a row. -
Methodology Report
Mozo Experts Choice Awards Deposits 2019 Every day, Mozo keeps track of thousands of products in banking, insurance and energy. Unlike some other awards, providers don’t ‘enter’ the Mozo Experts Choice Awards nor do they pay to be considered. Our in-house team of experts analyse all the product data they’ve been tracking and scour the market to see if there are any other worthy candidates. Then we use our data and our experience to make a hard-nosed assessment of those products, to identify which offer great value or market-leading features. We recognise the leading products with the Mozo Experts Choice Awards. ● For product providers, a Mozo Experts Choice Award is a thoroughly researched third-party endorsement of their product. ● For consumers, the Mozo Experts Choice Awards badge is a sign that a product is among the leaders in the market, and is worthy of consideration. This report lists the winners and explains the judging methodology for our 2019 Deposit awards. 1 Deposits - 2019 Winners Transaction Accounts Everyday Bank of the Year Exceptional Everyday Account Bank of Sydney Everyday Saver Account Bankwest Hero Transaction Account Bankwest Qantas Transaction Account BOQ Specialist Everyday Plus Account Citi Global Currency Account Citi Plus Transaction Account ING Orange Everyday Macquarie Platinum Transaction Account Macquarie Transaction Account UBank USaver Ultra Transaction Account Up Bank Everyday Account Best New Transaction Account Citi Global Currency Account 2 Student Bank Account Community First Credit Union Student -
September 2018
The definitive source of news and analysis of the global fintech sector | September 2018 www.bankingtech.com ELEMENTS OF FINTECH Pure in substance FOOD FOR THOUGHT Ecosystem is not a safe word EXCLUSIVE INTERVIEW: YVES TYRODE, BPCE A whole new digital strategy FINTECH FUTURES BT_AFS Transformation Partner_Final_Layout 1 8/20/2018 9:42 AM Page 1 IN THIS ISSUE Your Core Lending Transformation Partner With hundreds of implementations on time and on budget. Contents AFS System Capabilities •End-to-End Credit Processing NEWS 04 The latest fintech news from around the globe: •Scaleable & Agile the good, the bad and the ugly. •Mobile Enabled 17 Interview: Serena Smith, FIS Being at the heart of the exciting, changing •Real-Time world of payments. •Digital 18 PayTech Awards 2018 Celebrations, winners, photos – all the best bits! •RPA, ML & AI 22 Lendtech vendor spotlight: AFS Innovating and transforming the credit •Data Integrity process globally. •Cyber Security & Risk 23 White paper The state of IT incident response in financial services. •Web Services/APIs for Bank Ecosystem 30 Food for thought •And Much More Fellow bankers: “ecosystem” is not a “safe word”. 33 Spotlight: Sunrise Banks A US bank that is “social enterprise first”. AFS is where technological innovation meets financial services expertise, 34 Case study: Afghanistan International Bank offering the latest in core lending with advanced credit process Facing challenges far more extreme than most banks around the globe. management that is operational in multiple, large banks. We provide 38 Interview: Yves Tyrode, BPCE unique, industry-leading solutions with proven successes to help you On a mission to deploy a whole new digital strategy. -
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 -
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. -
BANK ALFALAH LIMITED 02 Corporate Information
In the Name Of Allah The Most Gracious, The Most Merciful 01 Contents Corporate Information ...............................................................................2 Notice of the 14th Annual General Meeting.................................................3 Directors’ Report to the Shareholders ........................................................5 Statement of Compliance with the Best Practices of Corporate Governance to the Members..................................................9 Review Report to the Members on Statement of Compliance with Best Practices of Code of Corporate Governance..............................11 Statement of Internal Controls .................................................................12 Auditors’ Report to the Members.............................................................13 Balance Sheet.........................................................................................14 Profit and Loss Account ..........................................................................15 Cash Flow Statement ..............................................................................16 Statement of Changes in Equity ...............................................................17 Notes to the Financial Statements............................................................18 Consolidated Annual Accounts of Bank and its Subsidiary Companies......57 Pattern of Shareholding .........................................................................103 Branch Network ....................................................................................107 -
Fastrefi Approved Lenders
Electricity Credit Union - now trading as ECU Australia Ltd Encompass Credit Union - now trading as Select Encompass Credit Union Endeavour Mutual Ericsson Credit Union - now trading as First Option Credit Union Ltd Eurobodalla Credit Union - now trading as Horizon Credit Union Ltd FCCS Credit Union Fire Brigades Employees Credit Union - now trading as Firefighters Mutual Bank Fire Service Credit Union Firefighters & Affiliates Credit Co-operative Firefighters Mutual Bank First Choice Credit Union - Orange First Option Credit Union Ltd FASTRefi Approved Lenders Fitzroy and Carlton Community Credit Co-operative Ltd - now trading as Bank Australia Ford Co-operative Credit Society Ltd G & C Mutual Bank Adelaide Bank Gateway Bank Advantage Australian Credit Union - now trading as Credit Union Australia Gateway Credit Union GMH (Employees) Q.W.L Credit Co-operative - now trading as Big Sky Credit (CUA) Union Alcoa Credit Union - now trading as AWA Alliance Bank Goldfields Credit Union - now trading as Goldfields Money Ltd AMP Employees & Agents Credit Union Ltd - now trading as G & C Mutual Bank Goldfields Money Ltd AMP Limited Gosford City Credit Union - now trading as Maritime, Mining & Power Credit Union Ltd ANZ - Australia and New Zealand Banking Group Goulburn Murray Credit Union Co-operative (GMCU) Austral Credit Union Ltd - now trading as People's Choice Credit Union Greater Bank Ltd Australian Central Credit Union - now trading as People's Choice Credit Union Heritage Bank Ltd Australian Country Credit Union Ltd - now trading as Reliance