Consumer Bank Final Slides

8/9/2019 Consumer Bank Final Slides

1/70


2/70

Consumer Bank

Consumer banking is comprised of thefinancial services, such as checking and

savings accounts, mortgages, home equity lines

of credit, personal loans, and credit cards,

offered by financial institutions.


3/70

History Of Consumer BankingThe consumer bank is actually a relatively new

phenomenon in the history of banking. Most banks

were initially built to serve businesses andcountries. They werent examples of a consumerbank, since they didnt normally provide servicesto individuals, unless you were extremely wealthyand your deposits financed some aspects of thebanks business endeavors. It wasnt until about

the mid 1800s that banks started seeing the valueof offering accounts and safe depositing places for

the average person.


4/70

Consumer Banking

&Pakistan


5/70

Why Banks Came Into Consumer

Financing in Pakistan?

1. Unstable Govt. of Pakistan

2. Constantly changing policies of Govt.

3. Afghan crises.4. Terrorism, sectarianism & ethnicity in

Pakistan

5. Experience of atomic explosion in May

1998.6. Incident of 9/11

7. Domestic borrowing of Govt.


6/70

Purposes of ConsumerFinancing

Improve standard of living.

enhance the consumption of consumer.


7/70

Functions Of Consumer Banking

Accepts deposits.

Offers services like making private loans to

individuals.

Allows you person-to-person contact at aspecific location, called a branch.


8/70

Positive Impacts On The

economy

New horizon for employment.

Increase per capita income.

Decrease in unemployment rate.

Increase in demand.

Flourishing Economy.

Prosperous country.


9/70

Consumer BankingFramework

Constantly expanding.

Need to build Competitive advantage.

The need for a robust technology

framework.


10/70

Savings

Checking

Current

Fixed Term

Recurring

Reinvestment

Notice

Multi Currency

Accounts

Overdrafts

Certificate

of Deposits

Master &

Placement

Top Up

deposits

Fixed Rate

Variable Rate

Mortgages

Vehicle loans

Home Saver

Top Up Loans

Revolving

Subscription

Management

Multi Currency

Multiple

Billing modes

Mudarabah

Murabaha

Musharaka

Savings &

OperativeAccounts

Term Deposits Consumer

Lending

Bill Pay Islamic Banking

Consumer Banking

Istisna


11/70

Consumer Banking

&


12/70

Consumer Products by Allied

Bank

Allied Visa Credit Card

Allied Visa Debit Card


13/70

M07BBA008


14/70

Consumer Product

Credit cards

Debit cards

Corporate banking

Commercial banking

Personal loans

Car financing

Home loan


15/70

Credit Cards


16/70

Allied Visa Gold Credit Card

Buy Now, Pay Later

Flexible Repayment

Cash Advance Facility

Allied Easy Installments (AEI)


17/70

Allied Easy Installments (AEI)

The you with the facility to pay youroutstanding Allied Easy Installments (AEI)

plan provides card balance in equal and

affordable monthly installments.


18/70

Allied Visa Gold Credit Card

Supplementary Cards

Balance TransferFacility

Credit Protection Plus

Zero Loss Liability

24-hour Allied Phone Banking


19/70

Visa Platinum Credit Card

Visa Platinum Golf

Platinum Life Platinum

Visa Platinum Club

Visa Platinum Dining

Visa Experiential Travel


20/70


Visa Platinum Websites

Free travel accident insurance

Free Travel Inconvenience Insurance

Concierge Service

Concierge Online


21/70

Types Of Concierge Services That

Can Be Availed InternationallyAre:

Travel Assistance

Car Rental Assistant

Sports & Entertainment Assistance

Pre-Trip Assistance

Business Services Assistance Flower & Gift Assistance


22/70


The Lowest Service Charge

Flexible Repayment

Balance TransferFacility

Cash Advance Facility

Credit Protection Plus


23/70

Debit Card


24/70

Allied Debit cardAllied bank also offers allied cash debit card

along with its credit cards allied debit cards

includes:

1) Allied cash debit card

2) Allied shop visa debit card


25/70

Allied Debit card

Get Cash

Shop Anywhere

Enjoy Traveling

Get Groceries

Fuel Up


26/70

Activation Instructions

Kindly sign the signature panel on the back

of your Card in permanent ink as soon as you

receive it.

To activate your Card, please call Allied

Phone Banking.

Enter the PIN provided to you in order to use

the Card at ATMs.


27/70

Protect Your Card

Do not bend your Card.

Do not leave your Card near a television or any

other electrical or electronic gadget, which has

a continuous magnetic field.

Do not expose your Card to direct sunlight.


28/70

PERSONAL LOANS


29/70

CAR FINANCING


30/70

HOME

FINA

NCI

NG


31/70

M07BBA069


32/70

Commercial Bank

History

Role


33/70

Types of Loans granted

Secured Loans

Mortgage Loans

Unsecured Loans


34/70

Commercial Banking in AlliedBank

Deposit Account

SME (Small and Medium Enterprise)

Agricultural finance


35/70

Agricultural Finance

i) Farm Loans.

Production Loans

Development Loans

ii) Non farm loans.

iii) Agr

iculture Re

volvi

ng CreditS

ch

eme.iv) Development Loans/Finance (term loans).


36/70

Criteria Selection Should Be:

Pakistani.

Account holder with ABL. Permanent residence plus self-cultivator.

Not be a defaulter.

Reputable.

Able to produce proper securities.


37/70

Amount Of Finance

Value of agricultural land.

50% of last 3 years average Sale Price or

Market Value.

50 % of residential or commercial property.


38/70

InsuranceCrops to be reimbursed such as:

Wheat

Rice

Cotton

Sugarcane

Maize


39/70

Corporate Leasing

Leasing has important features like:

Tax shield.

Preserve working capital.

Easy documentation.

Less processing time.


40/70

M07BBA059


41/70

Allied ATM Network

A vast network of over 522 ATMs installed in over

130 cities.


42/70

1-link Switch

Comprising of over 2000 ATMs nationwide

Has following bank members:

1. ABN Amro Bank KASB Bank

2. Meezan Bank Limited3. National Bank of Pakistan

4. NIB Bank Limited

5. PICIC Commercial Bank Limited

6. Soneri Bank Limited

7. ABN Amro Bank KASB Bank

8. Meezan Bank Limited9. National Bank of Pakistan

10. NIB Bank Limited

11. PICIC Commercial Bank Limited

12. Soneri Bank Limited


43/70

1-link Switch13. Standard Chartered Bank Pakistan Limited

14. Union Bank Limited

15. United Bank Limited

16. MyBank Limited

17. Allied Bank Limited

18. Askari Commercial Bank Limited19. Atlas Bank Limited

20. Bank AL Habib Limited

21. Bank Alfalah Limited

22. Bankislami Pakistan Limited

23. Crescent Commercial Bank Limited24. Dubai Islamic Bank Pakistan Limited

25. Emirates Global Islamic Bank Limted

26. Faysal Bank Limited

27. First Dawood Islamic Bank Limited


44/70

OtherServices

Utility bill

Lockers

S. # Locker Size Annual Locker

Rent (Current)

Maximum Loss

Coverage /

Limit

1. Small Rs.1,500/- Rs.500,000/-

2. Medium Rs.2,000/- Rs.1,000,000/-

3. Large Rs.4,000/- Rs.1,500,000/-

4. Extra Large Rs.5,000/- Rs.2,000,000/-


45/70

OtherServices

Hajj Services


46/70

Internet Banking

Advantages:

Simple & convenient

Secure & faster

24*7 access


47/70

Online Banking

A system allowing individuals to performbanking activities at home through

internet.


48/70

Online Banking

A unique service

757 online branches in 250 cities Deposit cash for instant credit into your

account

Account to account funds transfer facility


49/70

M07BBA021


50/70

Profit Rates


51/70


52/70


53/70


54/70


55/70

Corporate Banking


56/70

Corporate Banking

Corporate Banking

Investment Banking

Financial Institutions & Cash Management


57/70

Corporate InvestmentBanking

The Corporate Investment Banking Group

(CIBG) holds the Banks loan portfolio enjoys a leading position in corporate lending

offers a wide range of financial services

key role in the countrys economic growth

top investment banks in the country today.


58/70

Awards

Timely Completion of Mandates

Highly talented and experienced analysts

An employee focused work culture

Flexible delivery models to satisfy client specificrequirements

A cost effective, one window solution forcustomers

Its ability to rapidly adapt to changing industrial

& client specific processes. The dedicated Transaction Manager Model

ensuring high quality service at all times


59/70

Corporate Banking expertise in providing exemplary customized

and personalized service to its Corporate

Customers One Window operations

strategically placed its presence in all major

corporate hubs

leading position in corporate lending position itself as one of the prime banks


60/70

Investment Bank

ing

ABL IBG was established in 2005 and focuses

on the Investment Banking market.

Highest number ofSuccessful Arrangement andParticipation in Key Privatization & Acquisition

Financing Transactions.

Penetrated the investment banking.

Reputable for building business.

Debt Origination and Distribution.


61/70

IBG Range ofServices


62/70

Financial Institutions

Inbound trade services

International remittances with immediate processing capability

Payment and collection solutions

Confirmation

Advising

Negotiation

Guarantees

Payments

Trade finance

L/C Issuance

Reimbursement

Bilateral Key Exchange Arrangements

Discounting


63/70

Cash Management a full range of transactional banking services

ABL is uniquely positioned to meet thedemanding requirements of;

global corporate

public sector enterprises

top-tier domestic companies.


64/70

Home Remittances

rolled out its state-of-the-art e-Remittance

services to facilitate international remittancessent to Pakistan, by overseas Pakistanis.

host of options is available to non-residentPakistanis under this service


65/70

SWOT Analysis


66/70

Strengths

Along with online braches has online booths.

Branches in remote areas.

Incentives 4 their employers


67/70

Weakness

Issue credit & debit cards only for its account holders.

No financing for loans.

Far behind other banks.

Delay in introducing their products.

Branches are not properly equipped.


68/70

Opportunities

Still have a lot of area to work on.

Development of new branches.

Introducing new products n services.


69/70

Threats Less time.

More competition.

A lot of things to do to b a competitor of other

banks.


70/70

Documents

Consumer Bank Final Slides