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M14BBA038ERBAZ KHAN

CEO and PresidentMr. Hussain Lawai

|ChairmanMr. Abdullah Nasser Hussain Lootah

MembersERBAZ KHAN

ABDUL BASIT

MUHAMMAD WAQARCommitted to YouSummit BankIntroduction Arif Habib Bank Ltd was rebranded as Summit Bank LtdIt commenced its operation in August 2006Managements vision of making this bank a front runner amongst its peer banksExpanding the banks geographical outreach with a network of 188 branches across the country

Mission StatementParticipate gainfully in the economic development of Pakistan.

Serving the common man and the middlemen class business community.

Maximizing dividend income for distribution to the shareholders.

Generating long term growth.Mobilizing personal and corporate savings Departments Cash Department Deposits Department Remittances Department Human Resource Department Human Resource Management ServicesDifferent types of accounts

Inland and foreign remittance

Lockers

Evening banking facilitiesAccountsCurrent Account

Summit Saving Account

Fixed Deposit account

Profit and Loss Saving Account

Joint Account

Inland and Foreign Remittances Remittances are the transfer of funds from one place to another through network of branches in PAKISTAN.

It also transfers funds to outside country.M14BBA015Abdul BasitLockers Specially designed lockers of various sizes are offered by Summit Bank to meet the needs of Customers.

The Lockers can be operated outside of banking hours late in the evenings.Non stop banking

24/7 cash withdrawal facility (ATM)

Real time online Banking

Free unlimited online transactionsProducts: Corporate Banking Current Accounts (PAK Rupees)

Foreign Currency Accounts

Clearing and Fund Transfer

Trade Services

Project Financing19Consumer Banking Current Accounts (PAK Rupees)PLS AccountSaving AccountsTerm CertificatesSaving Deposit LockersConsumer Finance Current Accounts (PAK Rupees)Personal LoansPersonal Accidental InsuranceATM Withdrawal InsuranceHome FinanceForeign Currency AccountM14BBA032MUHAMMAD WAQARFree Services Free E-cash Issuance (ATM)Free E-mail/SMS AlertsFree E-Top up your Mobile BalanceFree 24/7 Customer Care Center at Toll Free NumberFree E-Banking (Internet Banking)Free Phone BankingField of Activities Account Opening DepartmentCash Dealing DepartmentClearing DepartmentTrade FinancePEST Analysis

Political Factors Lack of confidence on political System

Bad policies of Govt.

Increase tax rateEconomic Factors World wide RecessionUneven distribution of wealthInflationExchange rateUnemploymentGrowth rateSocial Factors Population trendCultureReligious factorJoint family systemLow standard of livingCostless value of livingCostless value of lifeLiteracy levelNo Concept about insuranceTechnological Factors Complications in policies

Online service

Using new softwareSWOT Analysis

Strengths Versatile products & servicesGoal oriented management systemForeign investment supportUser friendly internet servicesHigh confidence of customers

Weaknesses Lack of Branches in underdeveloped AreasNot pure Islamic BankingNo incentives for agricultural sectorNo Advertisement

Opportunities By expanding their network Summit Bank can capture the corporate customers.It can enhance its market share by introducing new offers like car financing & short and long term loans for agricultural sector.

Threats Big competition in the marketIn Home Financing Union Bank or to some extent NBP are the threatsThe launch of any new bank could be a threat for Summit Bank

Dilemmas Faced Software security is not goodNon availability of IT professionals.No proper HRNo training after selectionNo proper appraisal to evaluate performance of employeesSale promotion/marketing department are same in the Summit Bank

Recommendations Software need a greater securityTraining of employees before working in bankIntroduce Islamic BankingIT professional must be hireHuman Resource officer should be hiredATMs should be up-to-date 24/7Proper backup should be made available for existing employeesIn networking, no input control on data

Conclusion It is backed by powerful international investorsEmployees are the most important assets of any organizationWith their focused strategy and product development initiatives planned for the year, Summit Bank is strongly positioned to meet these challengesSummit bank has to maintain its position through product innovativeness, customer care and advertising and promotion