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GroupMembers:
Zartasha shaukat
(m12bba057)
Shafaq Shahid(m12bba023
Sumaiya Mir
(m12bba021)
Maryam Arshad
(m12bba005)
Isma Nizam
(m12bba013)
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Meezan Bank Ltd
VSBank Islami Ltd
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IntroductionZartashaShaukat
M12bba057
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Introduction
Meezan Bank Ltd Bank Islami Ltd
Meezan Bank Limited,a publicly listedcompany, wasincorporated on January
2, !"" and startedoperations as anin#estment bank in$u%ust t&at year
'akistan issued ,rst-$$r .i/$'s$ frIs.ami/ /mm$r/ia.ba'ki' i' 2002It &as 550 branchesin o#er 10 /iti$s
-rst Islamic.ommercial Bank to
recei#e t&e Islamic
bankin% license undert&e Islamic bankin%policy o) 2//0 in year2//1its branc& network
consists o) 213bra'/h$s& subbranches spread over!0 /it$s f *akista'
it& t&eamal amation o) 3$SB
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Introduction
Meezan Bank Ltd Bank Islami Ltd
It is lar%ests&aria& compliantasset mana%ementcompany$l meezan isre%istered as a nonbankin% -nance
company6&e Bank &as amarket s&are o)35% in Islamic
banking industry o)t&e country
BankIslami is nowt&e 11th .ar$stba'ki' '$t 6rkin t&e country wit&317 bra'/h$s i' 3/iti$s 'ati'6id$Bank o7ers s&aria&
compliant retailbankin%, in#estmentbankin%, consumerbankin% and trade
-nance products.redit ratin% o)
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8eposits 'roducts9$ccountsan%e o) Meezan Bank Ltd
Shafaq ShahidM12bba023
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6ypes o) $ccounts
L.
;Current AccountsSaving AccountsFixed Deposits Account
"ta.a//u't 1
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Current Account
!ollo"ing #eatures arecommon in all current
accounts$pened b anone'inimum opening Balance$
(000)s!ree *he+ue books, -arders, nline Banking
.nlimited number o#transactions
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Saving Accounts
)iba!ree Saving Accounts1eposit in these savingaccounts gives an attractive
rate o# return-ro2t is calculated on 1ail-roduct Basis
-ro2t is paid on monthlbasis/ormall Bank shares 5%o# 4ross Income as 'udarib
1epositor shares 55% o#
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Saving AccountsLCY
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Mudaraba& Based $ccounts
Mudaraba=based accounts allowsyou to conduct your bankin%
transactions w&ile a#ailin% a wideran%e o) )ree ser#ices and t&ere)orepro#ides you t&e ideal blend o)
con#enience > ?e@ibility t&at youdeser#e in Islamic bankin%*ormally Bank s&ares 41A o) GrossIncome as Mudarib8e ositor s&ares 11A o) Gross
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LCYMeezan Business PlusMeezan Kids Club AccountMeezan Teens Club AccountAsaanKarobari
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'eean Term *erti2cates
Meezan Bank o7ers a ran%e o) iba=
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1ollar'udarabah*erti2cate
Mont&ly Mudaraba.erti-cate
ShortTerm 6*7
hort
Term
LCY
Long
Term
LCY
'eean Amdan*erti2cate
*erti2cate o#Islamic
Investment
*erti2cate o#Islamic
Investment -lus
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8eposits 'roducts9$ccountsan%e o) Bank Islami Ltd
Sumaiya MirM12bba021
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Ba'k Is.ami/ 8rid$ada'/$s fa/i.ity bth
i' ./a. /urr$'/y 9fr$i' /urr$'/y
)etail 'ode o#services
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Islamic Current Account
minimum balance o) s !,///9=only to open
Joint $ccount )acility up to )ourCoint account &olders$ccess to t&e entire onlinebranc& network 2/! Branc&es in
D/ .ities
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Local .urrency Sa#in% $ccounts
Islami BachatAccount is ideal )or
customers w&o need todraw money )or mont&ly
e@penses but would alsolike to earn on your &ard
earned sa#in%s $ minimumbalance o) s (008only to
open t&e account
Islami mahanamuna#a account%i#es you t&e )reedom o)
&alal mont&ly %ains
Minimum amount o)in#estment is s !/,///9=
only6enure o) in#estment are !,
2, 0 , 1 > !/ years
100% interest free
Available in Pak Rupees
Profit/loss payment on monthly basis until the maturity
date
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6*7 Term1eposits
Islami Amadni*erti2cate
Its )or t&e salariedindi#idual, a
businessperson or acorporate entity wit& some
lon% term in#estment)unds to spare
$#ailable in 'ak upees In#estment can be done
)or !, 0, F, !2, 24, 0F orF/ mont&s
Minimum amount o)in#estment is s
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'odarba Based 6ocal*urrenc Accounts
Islami Asaan Account *o minimum balance on operatin% t&e account .an be a sin%le and a Coint account 'ro-t on mont&ly basis 6otal .redit Balance Limit: s 1//,///9=
Islami Shaulat Account
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!*7Accounts
Islami !oreign *urrenc*urrent Account$#ailable in HS8, GB' > HE$ minimum balance o) HS8 !//9=or eui#alent in GB' or HE toopen t&e accountJoint $ccount )acility up to )ourCoint account &olders
Islami 1ollar Bachat account
Mont&ly pro-t9loss payment on dailyproduct basis$ minimum balance o) HS8 !//9= in cas&or t&rou%& HS8 clearin% c&eue*o akat or it&&oldin% ta@Joint $ccount )acility up to )our Cointaccount &olders
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'aram
Arshad
'(:BBA005
i'a'/ia.
Sta'di'
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Total assets
$ssets o) 'eean
bank &a#e increasedin 2/!1 as compared
to year 2/!4 (s37
bi..i' i' 2015 t
:s531 bi..i' i'2015+ It &as %ain
%rowt& o) 2151;
6otal assets o) Bank
Islamic in 2/!1 &a#einclination trend o)
s1!0 bi..i'as
compared to :s101
bi..i'in 2/!4 6&e%rowt& rate o) assets
is7!2; w&ic& is e@tra
ordinary %ood
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'eean Bank 6td Bank Islamic 6td
8eposits in year 2/!1
&as been increased ascompared to 2/!4 and
reac&ed till :s 72
bi..i' frm :s 3!0
bi..i' 6&e %rowt&rate o) deposit is
22;
6otal deposits in 2/!1
are o) :s15 bi..i'w&ic& comprises :s
11 bi..i'o) Islamic
Bankin% and :s30
bi..i')romcon#entional bankin%
6&e %rowt& rate o)
deposit in 2/!1 as
compared to 2/!4 is
1eposit trends
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Investment port folio
'eean Bank 6td Bank Islamic 6td
In#estment &as been a
declinin% trend in2/!1 as compared to
year 2/!4 wit&
3333; d$/.i'$
Kowe#er in 2/!1,in#estment5s market
#alue &as diminis&ed
more t&an in 2/!4
(frm :s32 mi..i'
6otal in#estment
port)olio in 2/!1 isabout :s2 bi..i'
w&ic& comprises
:s3 bi..i')rom
Islamic in#estmentand :s2< bi..i'
)rom con#entional
in#estment o) 3S$B
6&e %rowt& rate in
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Net Islamic Financing and other related assets
$d#ances port)olio &as
also been increased
by1!2!; in year 2/!1
6&e total port)olio o)
ad#ances in total assets is
;3
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/et pro2t a#ter ta= 'ro-t in year 2/!1 &as
increased !;as
compared to 2/!4arnin%s per s&are ratio
also &as an increasin%
trend in 2/!1 (501+ as
compared to 2/!4(5
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Investment
Portfolio
&
Conclusive
Remarks
IS'A /I>A'
'(:BBA0(3
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Global
Sukuk
Bonds
shares oListed !unlisted
companies G"#$I%arah
SukukBond
Sukuk
Certigicate
s
&s'() bn
&s' * bn
Forex
Market
Bondmarket
&s'+',-. bn
StockMarket
subsidiaries
/associates
Meezan Bank In#estments by se%ment
Total
investments
Rs. 76 bn
open ended
mutual
unds
&s' )'*0 million
Mtal!nds
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Go$i%arah
Sukuk
Bonds
shares oListed !unlisted
companies
Listed./unliste
d sukuk
certificats
&s' +1'0 bn
Bond
Market
&s')2) million
Stock
Market
Bank Islami ltd In#estments by se%ment
Total net
investments
Rs. "# bn
Close3open
ended mutual
unds
&s' (.('-)0 million
Mtal!nds
Islamic?3@ bnconventional
?:@
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Conclusive
Remarks
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Products Range
Meezan bank5s products aremore #ersatile t&an BankIslami > Meezan banks rate
on return usually pays&i%&er t&an Bank Islamie can say Meezan bank
is more customer )ocus and
oriented
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Expansion in business
Business #olume o) Meezan bank is more
t&an Bank Islamic Kowe#er t&e %rowt&
rate in Business e@pansion in Meezan bank
is more t&an Islamic Bank $s deposit o)
Meezan bank &a#e increased by 24A wit&
increase o) ad#ances !D2DA &ile
deposit %rowt& rate o) bank Islamic is F!A
wit& %rowt& o) ad#ances o) 0"/2A t&e
%ap is more in Bank Islamic t&an Meezan
/A
2/A4/AF/AD/A
24//A!D2DA
F!//A
0"/2A
deposits ad#ances
as compare o m on n
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Investment managementas compare o m on n
2/!4 w&ile earnin% o) bankIslami5s earnin% )rom in#estmentis s"# millionas compared to
loss o$ %s &millionin 2/!4Moreo#er, Bank Islami5sdiminishing valuein in#estmentin 2/!1 is s4F million ascompared to s0" million in
2/!4(175; i'/r$as$d+ andmeezan bank5s in#estmentdiminis&in% #alue in 2/!1 iss441 million as compared to
s024 million in 2/!4(373;i'/r$as$d+we can conclude t'at t'eselection o$ investment c'oice o$Bank Islami is better t'an meezanBank
Fi i biliMeezan bank5s assets %rowt& is
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Financing management abilityee a ba s asse s % o s
:(;%w&ile islami bank5sassets %rowt& is ;:%;Moreo#er, deposits trends in bot&
banks &a#e also increased InMeezan bank deposits %rowt&rate is :;:%in comparison o)w&ic& ad#ances increase by(;:%;in bank Islamic deposits%rowt& rate is
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Productive AdvancingMeezan bank *onper)ormin% loans &a#eincreased by 1
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6&e %rowt& rate o) pro2t
margin is @;%; &ile pro-tmar%in o) bank Islamic &asdecreased b 53% in 2/!1t&an in year 2/!4 Kowe#er,admine@penses increased in
Meezan bank by 30A and inIslamic bank admin e@penses &asincreased by ;
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Meezan bank smanagement ismore efcient in
'andling businessmatter t'an Bank
Islami.
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