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Branchless BankingGroup Members

Ahmed Hashim Murad-(BME-1023)

Hassan Zahid Ali (BME-1049)

Presented to:- Sir Khalid Jameel

Course (Business Finance II )

Dated :- 23-10-2010

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W hat is Branchless Banking ?

Branchless banking is a type of banking that

takes place where the banking customer does

not need to visit a branch or central location of

the bank. Rather, banking business may be

completed through technological services, such

as online, over the phone, or through an ATM;

alternatively.

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M odels of branchless Banking

There are 2 models offered by branchlessBanking

O ne to one modelMany to Many model

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Many-to-many ( - ) ModelIn this model many banks and many mobilenetworks join hands to offer services to virtuallyall bankable customers.

It is just like the existing A TM network in thecountry where customer of any bank can use A TMof any other bank.

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Facilities offered by BranchlessBanking System

1. O pening and maintaining a BB Account

2. Account-to-account Fund transfer

3. Person-to-person Fund Transfers

4. Cash-in and Cash-out

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Target Market

1. Employee

2. Household s3. Business Man

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Customer Benefits

Conveniencesecure

Instant Transaction24/7 Customer SupportPurchase Mobile vouchers

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E asy Paisa

The largest branchless banking service inPakistan which offers the most convenient

access to Financial Services for all BBaccount holders.

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Easy paisa offers two kind of services :

1. O ver-the-counter ( OT C) products:

where the customer can go up to any of the5500 plus certified merchants for financialtransactions

2. Mobile products:where the customer can use their mobile

handset for financial transactions.

E asy Paisa

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Charges on payment of bills :Rs. 10 to be charged from the customer forany Utility Bill Paid of any denominationNo FED is applicable here

Bill Payment

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Transaction limits for BankAccount

The following transactional limits apply to alleasypaisa Mobile Account, as regulated by theState Bank of Pakistan.

R s. 10,000 per day,R s. 20,000 per month andR s. 120,000 per year.

A customer can only keep a maximum of Rs.60,000 in his easypaisa Mobile Account at anytime

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M oney Transfer(from an easypaisa Mobile Account to another easypaisa

Mobile Account)SlabStartRs/

SlabEnd

Charges FED*Total

Charges

1 1000 20 3 .20 23 .20

1001 2500 40 6 .40 46 .40

2501 4000 60 9 .60 69 .60

4001 6000 80 12 .80 92 .80

6001 8000 100 16 .00 116 .00

8001 10000 120 19 .20 139 .20

16% FED is applicable on banking services charges

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M oney Transfer(from a CNIC to an easypaisa Mobile Account) `

SlabStart

SlabEnd

Charges FED*Total

Charges

1 1000 30 4 .80 34 .80

1001 2500 60 9 .60 69 .60

2501 4000 90 14 .40 104 .40

4001 6000 120 19 .20 139 .20

6001 8000 150 24 .00 174 .00

8001 10000 180 28 .80 208 .80

16% FED is applicable on banking services charges

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O mni Dukan

Is another service just like telenor easy paisa whichis in direct competition

People without a UBL O mni bank account will alsobe entertained at a UBL O mni DukaanLocated in more than 100 citiesCustomer can open a UBL O mni bank account at anyUBLO mni DukaanO mni account holders can make utility bill payments, send or receive money,

purchase mobile card vouchers and make postpaid mobile bill payments.

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THANK YO U !