F.M.I final ppt

8/13/2019 F.M.I final ppt

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Consumer Loan And banking Industry

of Pakistan

Presented By:

Ameet Kumar Kalim Masood

Jameel Jamali

Raza Ayoub


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Consumer loan

Money loaned to individuals (usually onnon-secured basis) for personal, family, orhousehold purposes; as opposed to

business or commercial lending.


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Why consumer needs loan?

People experience financial crisis

Need of home or car

To fund a holiday

need financial assistance for marriagerelated or to finance education


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Types of consumer loans

Secured loan:

A secured loan is a loan in which theborrower pledges some asset (e.g. a car or

property) as collateral for the loan

repayment term with lower monthly

payments

lower interest rates charged, easier to get asecured loan.


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Cont..

Unsecured Loans:

Unsecured loans are the exact opposite ofsecured loans. In this case, collateral does

not back the money that you borrowed, sothe interest rate is higher

It is a great alternative for people whodon't own any property or any othercollateral


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Industry Analysis (S.W.O.T analysis)

Strengths:

Large Market Size

Growing demand for consumer durables,

autos, services

Financial Sector is open to foreign investors

Weaknesses: Poor governance record


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Cont..

Opportunities:

Oil and Gas resources:To be furtherexplored, developed and distributed

Investment in Physical InfrastructureDevelopment

Threats:

Rise in inflation and poverty

Rise to educated unemployment


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Key players in consumer banking

industry

The consumers of the banks

The investors in the banking industry, both

local and foreign

SECP (security and exchange commissionof Pakistan)

The government of the Pakistan

State bank of pakistan


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Peer Group Analysis


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Factors Or Triggers

Demand for Capital

Supply of Capital

Continuous Advertisement

Image factor (product development)


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FUTURE OUTLOOK

Fastest growing sector in bankingindustry

Major share in the hands of foreignbanks

Massive potential for growth

Need for continuous productdevelopment


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CONTD

A large market remains untapped

Brand development

Aggressive marketing


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Documents

F.M.I final ppt