Summit Bank Internship Report

7/25/2019 Summit Bank Internship Report

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1.Introduction

Summit Bank Ltdis one of the fastest growing commercial banks ofPakistan, which, in a very short span of time, has expanded its networkacross the country and built an infrastructure based on state of the art RiskManagement Framework as well as ! platform" #lso targeting to be auniversal bank in terms of providing products and services in all key

segments of banking i"e" $orporate and nvestment %anking, !rade Finance,$ommercial Mid Market & 'M(s, and $onsumer %anking, it commenced itsoperations in #ugust )**+"

!he Pakistan operations of Rupali %ank imited were ac-uired by #rif .abib'ecurities imited under the 'cheme of #malgamation approved by the 'tate%ank of Pakistan" !he name of Rupali %ank td was subse-uently changed to#rif .abib Rupali %ank td and then /nally to #rif .abib %ank td in 0ctober)**1" 0n 23stMarch )*3*, 'uroor nvestments td, a company incorporatedin Mauritius, ac-uired 45"637 stake in #rif .abib %ank td from #rif .abib'ecurities td, and on 38th#ugust )*3*, #rif .abib %ank td was rebrandedas Summit Bank Ltd.

'uroor nvestments td, also entered into share purchase agreements 9'P#s:with ma;ority shareholders of My%ank td and #tlas %ank td, who aftercompletion of the transactions have merged in 'ummit %ank td expandingthe %ankering web and 'M'based banking to the customers besides providing superior M' to the

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Management? the %ank is committed to be recogni@ed as a preferred supplierof /nancial services to the markets it serves" !o achieve these goals, the%ank will strengthen itself in the /nancial service industry, leverage optimalmix of technology to attain operating cost eAciencies, achieve product andservice di>erentiation, while at the same time growing its footprint through

further expansion of its branch network across the country, because we arecommitted to you.

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1.1 Vision and Mission

Our VisionTo be the preferred provider of financial products & services to the markets.

Our Mission

!o be a /nancial institution based on !rust, ntegrity, and Bood Bovernance"

!o deliver /nancial solutions to our customers"

!o provide e-ual opportunities C professional working environment to ouremployees"

!o provide fair return to our shareholders on their investment"

!o serve the community at large"

!o discharge corporate social responsibility"

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1.2 Credit Rating

Rating Tye! "CR # VIS

Rating$gency

S%ortTerm

Medium toLong Term

Subordinate

d &ebtInstrument

Out'ook

D$RE' #E) #E #E 9'0: 'table

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1.( Board o) &irectors

Mr. *asser $bdu''a% +ussain Loota%$hairman

Mr. +usain LawaiPresident and $(0

Mr. *asim BegGirector

Mr. $sadu''a% ,%awa-aGirector

Mr. arid /ddinGirector

Mr. S%e%ryar aru0ueGirector

Mr. Mu%ammad a%ir smai'Girector

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1.3 Management Committee

+usain LawaiPresident and $(0Mu%ammad a%ir smai'

$hief 0perating 0AcerSyed Mo%ammad $nwar Lut)u''a%Broup .ead ! C 0perations, $onsumer %anking, .ome Remittance and$orporate $ommunication$%san Ra4a &urraniBroup .ead $orporate C nvestment %anking and $apital Market5u'rays ,%anBroup .ead .uman Resource C #dministration and $ompliance C $ontrolaisa' S%aik%a.ead of !reasury C Financial nstitution GivisionImran $%med

Broup .ead (nterprise Risk Management and $redit #dministration$4i4 Morris.ead of nternal #uditMu%ammad S%akir $bbasi.ead of slamic %ankingMu%ammad *a-eeb ,%an'hariah #dvisor = slamic %ankingSyed Imran +as%mi#cting $hief Financial 0Acer C$ompany 'ecretary+abib6ur6Re%man

Broup .ead 'pecial #sset Management C Fraud Management

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1.7 5enerate 8 Va'idate IB$*

nternational %ank #ccount Humber 9%#H: is an international standard foridentifying bank accounts" !he main purpose of %#H is to facilitateautomatic processing of money transfers as well as improve the speed and

accuracy of your payment transactions"!he $entral %ank regulation for transactional use of %#H will be e>ective asof 3st Duly )*32" #ll banks in Pakistan are re-uired to accept and processpayment instructions with %#H"!he 'tate %ank of Pakistan 9'%P: has decided to introduce and implement%#H = nternational %ank #ccount Humber in Pakistan"

%#H is an international standard for structuring account numbers" t isglobally used in transaction processing, especially in cross borderremittances"

%#H will be operationally used both for international and domestic /nancialtransactions in Pakistan from the 3st of Duly )*32"

n compliance with $entral %ank $ircular IP'G $ir et Ho ) of )*3) %#Hmplementation Buidelines


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2. Is'amic Banking

Is'amic banking9#rabicJ : is banking or banking activity that isconsistent with the principles of sharia and its practical application throughthe development of slamic economics" #s such, a more correct term for

Islamic banking< is I'haria compliant /nance


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Guplicate #ccount 'tatement

'ervices listed above will be o>ered on the basis of maintaining a dailyaverage balance of at least Rupees !wenty Five !housand only 9Rs )4,***&E:"Humber of free transactions allowed will be determined by the bank fromtime to time, and on case to case basis, and will be timely communicated to

the account holder"Contract 8 Mec%anism!%# will be accepted on the basis of Mudarabah9#form of partnership:" !he%ank will be the Mudarib and the nvestment #ccount .olders 9#.s: &Gepositors will provide funds for investment to earn .alal pro/t & bene/t,identi/ed as RabEulEMaal" !he funds so deposited will be invested in annvestment Pool which will be managed by the %ank in capacity as Mudarib9Managing Partner:"!he #. is eligible to share Pro/t from the respective investment poolaccording to his & her deposit in a predetermined ratio ad;usted by

weightages assigned to each category of remunerative deposits" !his iscalculated on calendar month basis" !he Pro/t or oss declared by the %ank,as stipulated herein, shall be considered as /nal and binding on all theaccount holders" !he %ank in this capacity as Mudarib will also be entitled toa share of the distributable pro/t"!he %ank may also choose to invest its own Funds" n this case the %ank willshare pro/t in addition to its share as Mudarib" #ccordingly, in case of loss inthe respective pool, it 9oss: will be shared between the #.s and the %ankas per ratio of their investments in that pool"

:%o Can 9articiate;

#ccount may be opened in the name of persons and bodies mentioned belowupon being properly introduced in a manner approved by the %ank 9providedthat their source of income is not received from any prohibited source as perthe 'hariah principles:J

ndividuals

'ole Proprietorship concerns

Partnership Firms

imited $ompanies 9Private C Public:

!rust

+ere is :%at 0utward $learing $harges for $he-ues returned unpaid"

nternet %anking Facility"

(E'tatement of #ccounts"

Va'ue $dded Ser=ices.

Secia' Va'ue $dded Ser=ices.

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oads of 0ther 'ervices"

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2.1.2 &ai'y Sa=ings $ccount

Gaily 'avings #ccount 9G'#: is an investmentEcumEtransactional account"!he product is designed for those customers who have high dayEendbalances on a particular day while low on others and wish to get rewarded

for their high days" !he money can be deposited and withdrawn at will withor without notice vi@ a vi@ through $he-ue & #!M& Gebit $ard & (lectronicmeans 9Het %anking etc": or through written instructions"Sa'ient eatures!

Gaily 'avings #ccount 9G'#: will be opened in Pakistani Rupees"

!he account can be opened with PLR 3,***&E"

Minimum %alance re-uirement is PLR 3,***&E"

Pro/t will be calculated on dayEend balances9Gaily Product basis: and

payment will be made on monthly basis"akat C other evies will be applicable as per governing laws"Contract 8 Mec%anism!G'# is an nvestment for pro/t account governed under the rules ofMudarabah 9# form of Partnership: with a vision to provide a bou-uet ofvaluable services along with return on the investment" Pro/t payout will bemade monthly"

G'# will be accepted on the basis of Mudarabah" !he %ank will be theMudarib and the nvestment #ccount .olders 9#.s: & Gepositors will provide

funds for investment to earn .alal pro/t & bene/t, identi/ed as RabEulEMaal"!he funds so deposited will be invested in an nvestment Pool which will bemanaged by the %ank in capacity as Mudarib 9Managing Partner:"!he #. is eligible to share Pro/t from the respective investment poolaccording to his & her deposit in a predetermined ratio ad;usted byweightages assigned to each category of remunerative deposits" !his iscalculated on calendar month basis"!he Pro/t or oss declared by the %ank,as stipulated herein, shall be considered as /nal and binding on all theaccount holders"!he %ank in this capacity as Mudarib will also be entitled toa share of the distributable pro/t"

!he %ank may also choose to invest its own Funds" n this case the %ank willshare pro/t in addition to its share as Mudarib"#ccordingly, in case of loss inthe respective pool, it 9oss: will be shared between the #.s and the %ankas per ratio of their investments in that pool":%o Can 9articiate;#ccount may be opened in the name of persons and bodies mentioned belowupon being properly introduced in a manner prescribed by the %ank

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9provided that their source of income is not received from any prohibitedsource as per the 'hariah principles:Jndividuals


Partnership Firms

imited $ompanies 9Private C Public:$lubs, 'ocieties and #ssociation

Foreign Missions & Giplomats

#gents #ccounts

!rust

HB0 & HP0


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Contract 8 Mec%anism!%'# is an investment for pro/t account governed under the rules ofMudarabah 9# form of Partnership: with a vision to provide a bou-uet ofvaluable services along with return on the investment" Pro/t payout will bemade %iEannually"

%'# will be accepted on the basis of Mudarabah" !he %ank will be theMudarib and the nvestment #ccount .olders 9#.s: & Gepositors will providefunds for investment to earn .alal pro/t & bene/t, identi/ed as RabEulEMaal"!he funds so deposited will be invested in an nvestment Pool which will bemanaged by the %ank in capacity as Mudarib 9Managing Partner:"!he #. is eligible to share Pro/t from the respective investment poolaccording to his & her deposit in a predetermined ratio ad;usted byweightages assigned to each category of remunerative deposits" !his iscalculated on calendar month basis" !he Pro/t or oss declared by the %ank,as stipulated herein, shall be considered as /nal and binding on all the

account holders" !he %ank in this capacity as Mudarib will also be entitled toa share of the distributable pro/t"

!he %ank may also choose to invest its own Funds" n this case the %ank willshare pro/t in addition to its share as Mudarib" #ccordingly, in case of loss inthe respective pool, it 9oss: will be shared between the #.s and the %ankas per ratio of their investments in that pool":%o Can 9articiate;#ccount may be opened in the name of persons and bodies mentioned belowupon being properly introduced in a manner prescribed by the %ank

9provided that their source of income is not received from any prohibitedsource as per the 'hariah principles:Jndividuals


Partnership Firms


$lubs, 'ocieties and #ssociation


#gents #ccounts

!rust

HB0 & HP0


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Fund !ransfer within 'ummit %ank td via #!M, Oeb C %ranch Hetwork"

ssuance of Pay 0rder

0utward $learing $harges for $he-ues returned unpaid"

ssuance of slamic isa Gebit $ard for 3stear"



Va'ue $dded Ser=ices.

Secia' Va'ue $dded Ser=ices.


2.1.3 Is'amic Certi?cates

slamic 'avings $erti/cate 9'$: is a range of nvestment for pro/t .alalproducts with /xed maturities" nvestments can be made with wide rangeoptions from 3 month to 4 years term with various pro/t payout fre-uencies"Pro/t payout may be madeJ

#t the time of maturity 9Pro/t at Maturity:, orPeriodically i"e"Monthly, Quarterly, %iannually or #nnually"

Sa'ient eatures!slamic 'avings $erti/cate 9'$: will be opened in Pakistani Rupees"

nvestment can be made with wide range of options from 3 month to 4 years"

Minimum nvestment re-uired for Maturity 0ption is PLR 3*,***&E and forPeriodic Pro/t Payment 0ption is PLR )4,***&E"

PreEmature encashment option is available

akat and other evies will be applicable as per governing aws

Contract 8 Mec%anism!'$ will be accepted on the basis of Mudarabah" !he %ank will be the Mudariband the nvestment #ccount .olders 9#.s: & Gepositors will provide funds forinvestment to earn .alal pro/t & bene/t, identi/ed as RabEulEMaal" !he fundsso deposited will be invested in an nvestment Pool which will be managedby the %ank in capacity as Mudarib 9Managing Partner:"!he #. is eligible to share Pro/t from the respective investment poolaccording to his & her deposit in a predetermined ratio ad;usted byweightages assigned to each category of remunerative deposits" !his iscalculated on calendar month basis" !he Pro/t or oss declared by the %ank,as stipulated herein, shall be considered as /nal and binding on all theaccount holders" !he %ank in this capacity as Mudarib will also be entitled toa share of the distributable pro/t"!he %ank may also choose to invest its own Funds" n this case the %ank willshare pro/t in addition to its share as Mudarib" #ccordingly, in case of loss inthe respective pool, it 9oss: will be shared between the #.s and the %ankas per ratio of their investments in that pool"

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:%o Can 9articiate;'$may be opened in the name of persons and bodies mentioned below uponbeing properly introduced in a manner prescribed by the %ank 9provided thattheir source of income is not received from any prohibited source as per the

'hariah principles:Jndividuals


Partnership Firms


$lubs, 'ocieties and #ssociation


#gents #ccounts

!rust

HB0 & HP0ered from time to time at the discretion ofthe bankJ

9ro?t 9aymentre0uency

Monthly Quarterly .alfyearly

#nnually Maturity

Minimum In=estment@9,RA

)4,*** )4,*** )4,*** )4,*** 3*,***

Tenors

3 month

) months

2 months

+ months

3 year

2 years

4 years

+ere is :%at Fund !ransfer within 'ummit %ank td via #!M, Oeb C %ranch Hetwork"

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ssuance of Pay 0rder"

0utward $learing $harges for $he-ues returned unpaid"

ssuance of slamic isa Gebit $ard for 3stear"




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(. &eosit 9roducts

v(.1 Summit C'assic Current $ccount

Reward yourself with enhanced privileges through 'ummit $lassic $urrent

#ccount" (xclusively designed to meet your diverse /nancial needs, thisclassic account o>ers you bene/ts that are beyond your imagination"Bank account eceeding eectations

,ey eatures!0ne account with a bundle of product

Minimum monthly average balance as low as Rs" 4*,***&E

Sp to 2 isa Gebit $ards free"

'pecial Retirement 0r nvestment nsurance Plan at only Rs" )***&month9bancassurance:

oan Facility 9secured: with special ratesStandard eatures$ollection $he-ue 9ocal:, Retained Mail, 'top Payment, $he-ue bookssuance 9)4 leaves:, Gebit $ard ssuance, Gebit $ard #nnual Fee Oaiver,'tatement ssuance, %alance $erti/cate, ockers 9small = waiver of rentonly:, 'tanding nstruction Fee, nward Remittances =ocal C Foreign,$ollection of ocal C Foreign $urrency $he-ues, 'tatement of #ccounts,Returned $he-ues, 0nline 'tatements, 0nline %anking, Mobile %anking,Personal ccidental nsurance, $ash Oithdrawal nsurance"

NMinimum deposit re-uired is Rs" 4*,***&E C sub;ect to nsurer


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(.2 Current $ccount

'ummit %ank $urrent #ccount is a convenient and secure way of holdingyour money in local and foreign currencies"

T%e key )eatures o) t%is account are as )o''ows!HonEinterest bearing

'tarter che-ue book issued when the account is opened

Snlimited )ree6o)6costtransaction facility

Ho deduction of akat

$hoice of periodic statements 9monthly, -uarterly, halfEyearly and annual: bypost

#ccess to account statement anytime through nternet %anking facility

#ccount transaction information through 'M'Free issuance of '# debit card

$ash withdrawal through large #!M network

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(.( Sa=ing $ccount

(.(.1 9LS Sa=ing $ccount

'ummit %ank


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(.(.2 Term &eosits

Term &eosits are oDered by Summit Bank to t%e )o''owing tyes o)customers!

ndividuals 9single or ;oint:Minors 9to be operated by the guardian:

$haritable institutions

Provident fund C other funds of benevolent nature

ocal bodies

#utonomous corporations

imited companies

Firms, associations, educational institutions, /nancial and other institutionswho intend to retain their deposits for a /xed period in order to earn a higherrate of pro/t"

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(.(.( Ma%ana $mdan

&eosit Limits

Rs" 4*,*** upEto Rs"3* millionRate o) 9ro?t

!erm Geposits(xpected Rate ofPro/t

2 Months +"147+ Months 1"**73 ear 1")47) ear 1"4*72 ear 8"**7

*otes!

!hese are not rack rates"#ll !erms C $onditions must be according to the scheme"

!hese rates are not applicable for any amount which is less than Rs"4**,***"

n case of any deposit of more than Rs" 4 million, the !reasury front oAcemay be contacted for improvement of rates"

n case of premature encashment, the depositors will be paid at the rack rateof last completed tenor on the broken period"

!hese rates cannot be o>ered to Financial nstitutions, e"g" %anks, GFs,nvestment %anks, easing $ompanies and Mutual Funds"

'igibi'ity!#ll individuals and institutions are eligible for this account"9eriod o) &eosit+ months, 3 year, ) years C 2 ears

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Secia' Bene?tsFree '# debit card

Monthly pro/t will be credited in the depositor


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(.(.7 +amara Summit ami'y Sa=ings $ccount

Fostering the bond that exists with its customers, and to better serve their/nancial needs, 'ummit %ank has come up with I'ummit Family 'avings#ccount< = a uni0ue sa=ings account oDering suerior returns and a

%ost o) )ree ser=ices.

#s a trendsetter, 'ummit %ank brings a solution to assure parents of theircommitment to their children" Oith more values, more expertise and moresolutions, 'ummit %ank innovates a savings account that serves the entirefamily" Bet your entire family to bank with 'ummit %ank, and en;oy vastprivileges and

uni-ue bene/ts that go hand in hand with 'ummit nnovations"

+ereEs %ow it :orks

Brouped accounts for the family

nitial nvestment Re-uirementERs"4,***&E

Minimum %alance Re-uirementERs"4,***&E

#ttractive return of +7

#dditional )7 as bonus featureN

Sp to Five free isa debit cards

Minors can make purchases and withdraw cash at #!Ms via the isa Gebit$ard

+ereEs w%at you get

'M' alerts

Mobile %alance Recharge

isa Gebit $ards

nternet %anking

#!M $ash Oithdrawal nsurance

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Personal #ccidental nsurance

Stility %ill Payment through 'M'!Ms&nternet and&or $ontact $entre #!M

ntraE%ank Fund !ransfer

ockers

'igibi'ity!he customer G of the primary account holder will be the family G" !hePrimary account holder $#HH0! be a minor" Minimum ) and maximum 4members can be grouped under a single Family 'avings #ccount

(.(.F Summit $d=antage $ccount

0>ering beyond expectations, 'ummit #dvantage meets all yourre-uirements of satisfactory banking, convenient /nancing needs and more"

'ummit #dvantage #ccount is a uni-ue combination of exceptional returnson your investment coupled with a facility to avail up to 1*7 /nancing? andt%atEs not a'', it comes with an added advantage o) no additiona' markuG!his uni-ue o>er is for those who want to conserve their savings but stillwant to avail a convenient /nancing facility to manage periodic cash Kowneeds" 0>ering superior returns on your valuable savings and charging noextra mark up on your loan /nancing =with 'ummit #dvantage, you cannotaspire for more" 'elect 'ummit #dvantage to experience an ultimate inbanking innovation",ey eatures!Maximum oan up to 1*7 of the deposit wit% no additiona'marku 98"4*7 p"a":

(xceptional returns up to 8"47 p"a"

Monthly pro/t payout

!ermJ 3 year

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Minimum investment of Rs 3**,***&E with a maximum limit of up to Rs4*,***,***

#ccess to a range of value added facilities

ree aci'ities!isa Gebit $ard

nternet %anking

(.(.H


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3. Ca'' &eosit Receit

$all Geposit Receipt is a form of nonEpro/table guarantee certi/cate issuedto Bovernment C 'emiEBovernment nstitutions, $orporations and 'emiE#utonomous %odies as a security deposit in favor of any tender" !hebene/ciary can at any time deposit the $GR in their account" 'ummit %ankfacilitates all customers to avail this service without having an account withthe bank"N

7. Ruee Tra=e''er C%e0ues

'ummit %ank


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and can be issued to individual PLR account holders of 'ummit %ank" ou canencash your !raveller $he-ues through any 'ummit %ank branch acrossPakistan"

F. Cororate and In=estment Banking

0ur mission is to serve all corporate re-uirements and ensure fullsatisfaction through product innovation, personali@ed banking, and top notchservice" 0ur $orporate C nvestment %anking Broup focuses on attractingand serving %lue $hip $ustomers" 0ur forte is providing exemplary customerservice using the 'ingle Oindow concept and Product 'uperiority" 0ur$orporate %anking Broup comprises a seasoned team of RelationshipManagers 9RMs: to meet the demanding service standards of $orporatationsC %usinesses enabling us to provide timely and e>ective /nancial solutionsfor our customers to meet the growing challenges of a global economy" 0urRMs have the expertise you need to create tailored /nancial solutions

catering to the speci/c re-uirements of your business" Ohether itsestablishing a new venture or expanding an existing business, our teamunderstands the banking needs of businesses, and works closely with themto help them reali@e their goals"

'ome of our 'pecialist areas in $orporate %anking includeJ

Running Finance, 'hort !erm C ong !erm Finance, Financing againstmported Merchandise 9FM:, $ash /nance and (xport ReE/nance"

Pre and Post 'hipment (xport Financing 9PLR and S'G based:

mport Financing 9PLR and S'G %ased:"

!rade 'ervices including etter of $redit 9'ight C usance:, etter ofBuarantee and 'tandby etter of $redit, etc"

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#ll other services with respect to the re-uirement of business ofborrower are provided here"

0ur specialist area in nvestment %anking includeJ

Pro;ect C 'tructured Finance

'yndications C Gebt $apital Market

(-uity C #dvisory

%onds

o 'tructured Finance

o everaged %uyouts

o Privati@ation

o (-uity Snderwriting C Placement

o Mergers

o $orporate Restructuring

o 'yndicated oans

o Pro;ect Finance

o Private (-uity

o (-uity GeEisting

o #c-uisitions

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F.1 I and Cas% Management

inancia' Institutions Ser=ices

F C $ash Management is the support function of $orporate & nvestment%anking C !reasury" n F, we maintain relationships with all Financial

nstitutions around the globe" 0ur main functions areJ

!reasury ines initiation

Hostro & ostro #ccounts relationships

!rade support in routing &$s

$ountry & %ank ines initiation and management

nland %anking #rrangements

Cas% Management Ser=ices

n recent years, $ash Management has gained importance to become a focalpoint of attention for $orporate" !he ongoing economic instability in Pakistanhas also heightened the need for greater risk management and controls"'ummit %ank td" 9'M%: has accepted the challenge to provide itscustomers with $ash Management solution which allows them to betterpredict and manage their cash Kows, thereby also allowing them to focus ontheir core business"

'M% is endeavouring to bring new and improved products to its customersthat provide them with optimal solutions in the most e>ective and eAcientmanner"'M%


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Cas% Management

$ash management is the Gepartment where we not only provide the totalreconciliation of the customerer /nancing for the followingJ

Oorking $apital Financing

Procurement of nventory

Receivables /nancing

Procurement of Machinery

(xpansion of production facilities

%MR

mport & (xports

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Buarantees

2)


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F.( Trade inance

!rade Finance being the prime focus of our Management, we o>er widevariety of Funded and HonEFunded !rade related facilities such asJ

3E mportsJ etter of $redits, Gocumentary $ollection, Registration of mport$ontracts, #dvance Payments, Finance against mported Materials, Financeagainst !rust Receipt, Finance against F(E)4"

)E (xportsJ Hegotiation, Giscounting, Gocumentary $ollection, Financeagainst Foreign %ills, Finance against F(E)4, (xport Re/nance Facilitiesthrough 'tate %ank of Pakistan etc"

2E%ank BuaranteesJ #ll kinds of ocal as well as Foreign Buarantees"

6E ocal !radeJ nland etter of $redits, %ack to %ack etter of $redits, ocal

%ill Giscounting etc"

Oe en;oy strong banking relationships with ma;or local and internationalbanks and as a result, our customer base visEaEvis !rade Finance is growingby the day"

'ummit %ank has a strategic presence in virtually all ma;or cities of Pakistan,for instance, Larachi, ahore, Faisalabad, 'ialkot, slamabad, Rawalpindi,Peshawar, .yderabad"

!he blend of 'ummit %ank having ample experience C expertise in their speciali@ed areas oftrade /nance, add great value to the customers< interest in terms ofimproved trade cycles, enhanced management of cash Kow and greaterKexibility"

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H Consumer Banking

Snderstanding trends in consumer product markets, and the /nancial needsof consumers, 'M% is now designing $onsumer %anking services through adedicated division" 'M% aims to aggressively grow its existing product

portfolio by introducing products in phases" Oe provide services for deposits,consumer loans, credit cards, insurance and asset management through acustomerEfocused and competitive approach while closely followingtechnological developments"Oith a clearly de/ned market segment and asolid strategic intent supported by a modern and reliable infrastructure,'ummit %ank is ready to reach new heights in $onsumer %anking services"

H.1 +ome inance

%uying your /rst home is a ma;or milestone in your life and one of thebiggest /nancial decisions you will ever make" .elpful information combined

with the right advice can make a world of di>erence and assist you in makingthe ultimate decision" Bet your own shelter and deal comfortable with yourhouse hold chores"

'ummit %ank has a comprehensive range of home loans schemes withsolutions for everyone" !he value and Kexibility that 'ummit %ank .omeFinance o>ers, complemented by exceptionally personali@ed service, is what

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makes it the right choice for you" #t 'ummit %ank, we believe in simplicity Cconvenience"

'ummit %ank .ome Finance can be sought to ful/ll any of the followingneedsJ

%uyEaE.ome C %uildEaE.ome

.ome Renovation

Purchase of and C $onstruction

.ome Gebt $onsolidation 9%!F:

!he salient features of this plan are appended hereEunderJ

oan #mount

MinimumJ Rs"2**,***&E

MaximumJ Rs"4*,***,***&E

Minimum $ollateralalue

Rs"3,***,***&E

oan !enor

MinimumJ *2 years

MaximumJ )* years

NProposed /nancing period of loanmust

mature 4 years prior to the expiryof

lease

MarkEup RateN

'alaried = 9LW6:

'elf (mployed Professional =9LW6"4:

'elf (mployed %usinessman =9LW4:

!ype of Mortgage (-uitable or Registered Mortgage

24


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9as per lawyer


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convenient and secure way to meet your personal and family /nancial needsthrough Personal Finance"

!he salient features of this plan are appended hereEunderJ

oan #mount MinimumJ Rs")4,***&EMaximumJRs"3,***,***&E

oan !enorMinimumJ 3 yearMaximumJ 4years

!ype of oan !erm oan

!ype of Facility SnE'ecured

!ype of Markup Fixed Guring oan !erm

Premature PaymentFacility

#vailable

oan (nhancementFacility

#vailable 9.istory & ncome%ased:

oan !opEup Facility #vailable

H.( Bancassurance

%ancassurance is the distribution of insurance products by banks, throughtheir own distribution channels"

Oe are proud to o>er %ancassurance products to our valued clients throughaAliations with leading nsurance companies" !he uni-ue products aredesigned to address a variety of our customer


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H.(.1MetLi)e $'ico

o !he Braduate Plan

o !he Oedding Planner

o Bolden #ge Plan

o Boals

!he following 0ptional Rider9s: can be attached with these products toenhance the coverage level on payment of additional premiumNJ

#ccident $are %ene/t 9#$%:J t would provide an additional lump sumin case of death or disability due to accident" !his rider would alsoprovide cover in case of dismemberment due to accident"

ncome %ene/t Rider 9%R:J t would pay a monthly income bene/t inthe event of permanent C total disability of the insured"

Family Protection Rider 9FPR:J t would pay all due basic premiums,from the date of permanent and total disability of the insured to theend of the FPR term"

evel !erm nsurance RiderJ t would pay an additional lump sum incase of death of the insured due to accident or sickness"

N!he riders may terminate before policy maturity date depending upontheterm available

H.(.2 "ubi'ee Li)e Ltd.

o 'uhana Lal

o 'unehra #gha@

!he following 0ptional Rider9s: can be attached with these products toenhance the coverage level on payment of additional premiumNJ

#ccidental Geath %ene/t J !o provide extra protection againstaccidental death, an additional amount will be paid under this bene/t ifdeath occurs due to an accident"

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Oaiver of PremiumJ f the ife nsured su>ers an illness or disability andis not able to follow his&her own occupation or any other occupationsuited by knowledge, training or education for at least six months ,thenthe premium from the next premium due date will be paid untilrecovery"

$ritical llnessJ #dvances the bene/t payable on death in case theinsured is diagnosed as having one of the speci/ed critical illnesses"

.ospitali@ation $ash RiderJ # daily bene/t is paid if the insured iscon/ned to a hospital" !he bene/t is doubled in case of hospitali@ationdue to any of the speci/ed critical illnesses" n case of con/nement to$S, additional 4*7 bene/t will be payable" 'pouse and children canalso be covered under this bene/t"

N!he riders may terminate before policy maturity date depending upon

theterm available

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. 'ectronic Banking

'ummit %ank is one of the leading banks in Pakistan in terms of electronicbanking" Oe o>er our customers a diverse range of electronic services andconvenient banking options through various channels, such as #!Ms, mobilephones and nternet"

0ur Mobile %anking allows customers to avail a variety of banking services ofpure 'M'Ebased technology, including mobile balance recharge and utilitybill payments, as well as account information"

nternet %anking is another channel on which we o>er extensive bankingservices" $ustomers can view account information, pay bills, transfer funds,and conduct many other transactions through their account9s:" .enceproviding a fast, secure and convenient way to banking"

'ummit %ank is a member of 3HL Buarantee imited"

6*


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.1 Mobi'e Banking

n keeping up with rapidly changing technology, 'ummit %ank o>ers youbanking through your mobile" ou can easily keep track of all your accounttransactions through your mobile phone, and retrieve account information

whenever you want, ;ust by typing and sending a simple 'M'"

!ransaction #lerts

How wherever you go, your bank goes with you" 'ummit %ank gives you thefollowing transaction alerts on your mobileJ

Gay (nd %alance

#ll !ransactions 9Gebit C $redit:

ou can also check your transactions and account balance" $ustomers whoare already subscribed for 'M' alerts are automatically eligible for thisservice"

Dust go to your write message option and typeJ

% for %alance n-uiry

M' for Mini 'tatement

!$ for ast !hree $redit transactions

!G for ast !hree Gebit transactions

#nd send 'M' to )62+4

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.2 Internet Banking

'ummit %ank o>ers a secure, fast and convenient nternet %anking channelwith a range of services" t will change the way you bank today"

nternet %anking ensures that you have convenient access to your accountand banking services, no matter where you are"

'ervices o>ered through nternet %ankingJ

%ill Payments

$redit $ard %ill Payments

Mobile %alance Recharge Facility

Funds !ransfer within 'ummit %ank

nter %ank Fund !ransfer

iew and Gownload #ccount 'tatement

iew #!M&'# Gebit $ard !ransaction Getails

#ctivate&Geactivate #!M&'# Gebit $ards

$hange #!M&'# Gebit $ard PH

Manage 'pend&Oithdrawal imits for '# Gebit $ards

iew 'tatus C 'top Payment of $he-ues

iew $onsumer oan Getails

6)


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Register and !rack $omplaints

iew nternet !ransaction #ctivity og

.ow to Register

Gial *8**E)62+4 or

isit your nearest 'ummit %ank branch

.( Contact Center

'ummit %ank


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'tatement Re-uests

Mobile %alance Recharge

Product C 'ervice nformation

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.3 /9ayments

:it% t%e /)one connection and Summit Bank accountJ you can a=ai'

con=enience 'ike no ot%er

'ummit %ank C Sfone brings you the convenience of banking now on your

mobile phone" #ctivate Spayments on your mobile phone and access your'ummit


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.7 Mobi'e Ba'ance Rec%arge

#nywhere, anytime, every networkV 'ummit %ank


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ong @g 3**, 2**, 4**, 3***

!elenor tr 3**, )4*, 4**, 3***

fone ve 3**, 2**, 3***

P!$ pl 3**, )4*, 4**, 3***Oateen wn 4*, 3**, )4*, 4**, 3***,

34**, )***

N#ll company names mentioned are the copyright&trademark of therespective company

.F Bi'' 9ayments

'ave your time by availing 'ummit %ank


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mannerV ou can pay your bills over 'M', nternet %anking, at any 'ummit%ank #!M, or by calling our $ontact $enter at *8**E)62+4"

'M'

or /ti'ity Bi'' In0uiry! /)one 8 :arid CustomersJ c'ick%ere to =iew t%e SMS 5uide

Bo to your write message option and typeJ

Zubi[ space Zcompany code[ space Zconsumer numberN[


e"g"

For ''B$ bill in-uiry

ubi ssgc 3)264+185*3)


or /ti'ity Bi'' 9ayment!

Bo to your write message option and typeJ

Zubp[ space Zcompany code[ space Zconsumer numberN[ spaceZamount[


e"g"

For L('$ bill payment of Rs" 3)**

ubp kesc 3)264+185*3) 3)**


N !o pay L('$ bills, write the account number instead of the consumernumber

!he following companiesNN, listed with their short codes, are available for %illPaymentsJ

68
http://www.summitbank.com.pk/wp-content/uploads/2013/10/SMS_Guide_Ufone_Warid_Subscribers.pdfhttp://www.summitbank.com.pk/wp-content/uploads/2013/10/SMS_Guide_Ufone_Warid_Subscribers.pdfhttp://www.summitbank.com.pk/wp-content/uploads/2013/10/SMS_Guide_Ufone_Warid_Subscribers.pdfhttp://www.summitbank.com.pk/wp-content/uploads/2013/10/SMS_Guide_Ufone_Warid_Subscribers.pdf


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'"H0 Merchant Hame $ategory

3 %alochistan Oater and 'anitation #uthority %O#'#

) Faisalabad (lectric 'upply $ompany F('$0

2 Bu;ranwala (lectric Power $ompany B(P$0

6 .yderabad (lectric 'upply $ompany .('$0

4 slamabad (lectric 'upply $ompany ('$0

+ Larachi (lectric 'upply $ompany L('$

1 Larachi Oater and 'ewerage %oard LO'%

8 ahore (lectric 'upply $ompany ('$0

5 ahore Oater and 'ewerage #uthority O#'#

3* Multan (lectric 'upply $ompany M(P$0

33 Multan Oater and 'anitation #gency MO#'#

3) Pakistan !elecommunications P!$

32 Peshawar (lectric 'upply $ompany P('$P

36 Quetta (lectric 'upply $ompany Q('$0

34 Rawalpindi Oater and 'ewerage #uthority RO#'#

3+ 'ui Horthern Bas Pipelines 'HBP

31 'ui 'outhern Bas $ompany ''B$

38 !ribal #rea (lectric 'upply $ompany !('$0

NN#ll company names mentioned are the copyright&trademark of therespective companies

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Internet Banking

ou can pay your bills anytime by logging in to nternet %anking at

www"summitbank"com"pk

$TM

Pay utility bills with your #!M&'# Gebit $ard at any 'ummit %ank #!M" )6hours a day, 1 days a week, year round"

Contact Center

$all *8**E)62+4 to pay your bills round the clock"

N#ll company names mentioned are the copyright&trademark of the

respective companies

.H Inter Bank unds Trans)er

Oith our %F! facility, you can easily transfer funds to accounts in otherbanks using our #!M or nternet %anking"

'ummit %ank %F! enables you to send and receive funds on a realEtimebasis to and from any account holder of 3Eink %F! participating memberbanks"

,ey Bene?ts

$onvenience

nstant transfer

Round the clock facility

4*
http://www.summitbank.com.pk/http://www.summitbank.com.pk/


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(liminates use of cash C che-ues


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ou can transfer funds instantly from your nearest branch, #!M or throughnternet %anking

Trans)er unds T%roug% $TM

nsert your #!M&'# Gebit $ard

(nter your PH

'elect Funds !ransfer from the Main Menu

'elect 3Eink member bank from the Funds !ransfer Menu

n the From #ccount option, select your account type for transfer offunds

'elect bank to which funds will be transferred

(nter the %ene/ciary #ccount Humber

(nter the amount to be transferred

erify the %ene/ciary Hame, %ank and %ranch

$on/rm the transaction

Trans)er unds T%roug% Internet Banking

og in at www"summitbank"com"pk

$lick Funds !ransfer

$lick 0ther %ank #ccount9s:

'elect the account you want to transfer funds from, and enter the

amount

'elect the bank you want to transfer to

$hoose your transfer option 9%ene/ciary ist #ccount or 0ther#ccount:

4)
http://www.summitbank.com.pk/http://www.summitbank.com.pk/


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For 0ther #ccount, enter the #ccount Humber and click Fetch !itle"erify account details and click 'ubmit to complete transfer

For %ene/ciary ist #ccount, select a bene/ciary from the list and click'ubmit to complete transfer

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. eStatement

eE'tatement is a convenient facility, through which you can choose toreceive your account statements over email, so you can access your

statement whenever you choose, wherever you go" !he paperless serviceallows you to save account records without any paperwork"

ou can choose from a list of customi@ed statement periods"

'tatement PeriodsJ

Gaily

Oeekly

Fortnightly

Monthly

Quarterly

.alfEyearlyN

earlyN

NGefault periods

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. Visa &ebit Card

'ummit isa Gebit $ard welcomes you to a world of privilege and pleasure"%e it shopping, dining or travelling, 'ummit isa Gebit $ard lets you do it all,

with ease and panache" Oith the accessibility one aspires for and theconvenience one desires, 'ummit isa Gebit $ard rede/nes purchasingpleasure"

..1 Visa &ebit Card # C'assic

$ombining domestic convenience with international luxury, 'ummit isaGebit $ard is a perfect alternative to cash" #s the most versatile paymenttool in the market, it incorporates the bene/ts of Kexibility, security andincomparable convenience, and is your gateway to unparalleled rewards"

'ummit isa Gebit $ard also opens up avenues to a world of (lectronic%anking services" How you can pay your bills, transfer funds, monitor youraccount, purchase prepaid airtime and do a lot more, all with your 'ummit

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isa Gebit $ard" 0>ering you the highest value for the lowest prices, this$ard empowers you with world class purchasing convenience"

t is as simple as 'hop 'wipe 'ign

%ene/ts

Oorldwide acceptability

Flexibility of usage

$omplete personal /nancial management

'ecurity, Reliability, $onvenience

nsurance

ast privileges &uni-ue bene/ts

ero loss liability

Flexible daily spend limits

)6 .r emergency helpline

$ompetitive rates

#nnual Fee Oaiver for the /rst year

$ountless deals & discounts& packages both locally and internationally

#ccess to electronic banking services

( =#lerts

Funds !ransfer ia #!M

Mobile recharge ia #!M

Stility %ill Payment via #!M

For details, visit your nearest 'ummit bank branch, and feel the spendingpower in your hands"

4+


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..2 Visa &ebit Card # 5o'd

!he luxury you deserve

'ummit isa Gebit Bold $ard grants you access to a vast bundle of Bold

privileges and bene/ts" #s our preferred customer, you get a superior level ofservice along with an ease to purchase all that you like, e>ortlessly andconveniently" (xciting domestic deals and enticing international packagesguarantee you the highest level of purchasing pleasure"

'ummit %ank now introduces the $ash %ack $ardV Oith 'M% isa Gebit Bold$ard, you are rewarded every time you shop" Ohen you make a purchase,you get a 4 7 cash backN if your shopping ranges between Rs"2,*** toRs"3*,*** every month" !his $ard not only o>ers you ultimate in purchasingconvenience but also rewards you for it" Ho matter what you buy and with noinhibiting terms C conditions, 'M% isa Gebit $ard is not ;ust an ordinary

payment tool but a truly rewarding experience" !o avail your share of thisexperience, please dial *8**E)62+4 or visit 'ummit %ank %ranch closest toyou"

$ash %ack Features

47 $#'. %#$LN applicable wherever you shop 90nly valid for $urrent#ccount .olders:

#pplicable on spend amount as low as Rs"2,***&E

Maximum spend limit Rs"3*,***&E

!he cash back amount will be credited to your account at the start ofthe following month 9if criteria met:

#pplicable only on Bold $ard .olders maintaining minimum averagebalance of Rs"2**,***

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$ash %ack %ene/ts

Ho astronomical spend criteria

Ho hidden conditions

Flat 47 cash backN across any and all retail outlets

Ho barriers to minimum or maximum transaction counts

#pplicable on spend limits as low as Rs"2,***

Bet Rs"4** on spending Rs"3*,*** anywhere in a whole month

'uch a Geal has never been o>ered previously on Gebit $ards

#dded %ene/ts

Breat local C international Privileges

isa Blobal $ustomer #ssistance 'ervices 9B$#':

ost&'tolen $ard Reporting

$ardholder n-uiry 'ervice

More discounts and deals to choose from

owest charges than currently being o>ered elsewhere

#ccess to a host of electronic banking services

#nnual Fee waiver for the /rst year

Funds !ransfer ia #!M

Mobile recharge ia #!M

Stility %ill Payment via #!M

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..( Merc%ant &iscounts

How dine at your favorite restaurants and shops at the most happeningplaces with ama@ing discounts !he more you spend, the more you save"

ou can avail these discounts in six ma;or cities of Pakistan in the followingcategoriesJ

\ Restaurants C $afeers cannot be used in con;unction with any other promotionalprogram o>ered by merchants"

'ummit %ank is neither responsible nor guarantees the -uality ofgoods or services provided by merchants"

'ummit %ank reserves the right to change the !erms and $onditions atany time without assigning any reason thereof"

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..3 ree CI9 Lounge $ccess

'ummit %ank


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.1K &o'men Loya'ty &ebit Card

'ummit %ank proudly announces the launch of its new product in Larachi$ityV

Pakistanered by selectedmerchants located at Golmen Mall"

Reward PointsJ For every Rs" 4* you spend, you can earn one 93:reward point which is redeemable at all selected merchants"

!o Bet your $ardJ

isit 'ummit %ank


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Make purchase from selected merchants and present your card to thecashier at the checkEout counter"

$ashier will swipe your card on the P0' terminal and enter the payableamount after discount"

$ashier will ask you to enter your PH code"

#fter successful authori@ation, your account will be subse-uentlydebited for the transaction amount"

!hree 'ales receipts will be generated 9Merchant, %ank and $ustomercopy:"

$arefully check the amount on receipts before signing the receipt andreturn it to the cashier"

Please ensure that you take your card and receipts before leave thecounter"

Please note this card cannot be used on any #!M machine or any otherplace9s: except at authori@ed merchants of Golmen Mall Larachi"

Points Redemption

ou can redeem your points at any selected merchant"

!he merchant will swipe your card and enter the point redemptionamount in the P0' Machine"

'ystem will check the availability of points"

f the suAcient points are available then system will automaticallycalculate the e-uivalent reward points and authori@e the transaction"

!hree receipts of transaction will be printed 9i"e Merchant, %ank and$ustomer copy:"

$arefully check the amount on receipts before signing the receipt andreturn it to the cashier"

0n this transaction, no reward points will be provided"

+)


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+2


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.11 *IT Co6Branded $TM Card

.ow to get #!M $oE%randed $ard

3" H! Snit .older may visit H! oAce to sign #!M re-uest form"

)" #fter internal approval and documentation, H! will forward the re-uestto the 'ummit %ank team for #!M card personali@ation and subse-uentdispatch to the customer"

2" #fter receiving the #!M card, the customer will call 'ummit %ank


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!ransaction Fee for $ash Oithdrawal

3" 'ummit %ank #!M HetworkJ Rs"4&E"

)" 3 ink #!M HetworkJ Rs")*&E"

2" !ransaction fee has been waived o> for the /rst + months" .oweverafter that itwill be deducted from the Snit .older


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.12 *$$ Co6branded $TM Card

'ummit %ank has ;oined hands with yet another renowned fundsmanagement company of Pakistan = H#F#" Oith this arrangement, H#F#

customers will be facilitated with an exclusive coEbranded #!M card,speci/cally designed to cater to the needs of H#F# unit holders"

!his uni-ue card allows H#F# customers to instantly redeem their units in theform of cash round the clock through 'ummit %ank


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.1( 529 9ro-ects

Poverty is one of the biggest challenges face by our country as +*7 of thetotal population living below the poverty line 9Oorld %ank, )**):" n an e>ortto accelerate the poverty reduction, the Bovernment of Pakistan launchedthe %ena@ir ncome 'upport Program 9%'P: with the support of Oorld %ankand other donors as a Kagship government safety net initiative in )**8across Pakistan"

!he program aimed at covering 2"4 million families in all provinces ofPakistan" Bovernment of Pakistan allocated Rs"1* billion in last /scal yearEFE32 to provide the cash assistance to the poor families" !he enrolled familiesare paid cash assistance of Rs 3)** per month 9www"%'P"gov"pk:%eing a socially responsible corporate organi@ation, 'ummit %ank has ;oinedhands with Bovernment of Pakistan for their B)P initiative to provide/nancial assistance to poor families through %ena@ir ncome 'upport

Program" Oe are participating in three B)P programs of %'P in eight 98:districts consist of thirty one 923: tehsils J

%'PEMobile Payment Pro;ect

%'PE%ena@ir Gebit $ard Pro;ect

%'PEOaseelaEeE Ro@gar Pro;ect

!o /nd more details about %ena@ir ncome 'upport Program and to search for

bene/ciary details" kindly visit www"%'P"gov"pk

+1
http://www.summitbank.com.pk/www.BISP.gov.pkhttp://www.summitbank.com.pk/www.BISP.gov.pk


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5" Remittance

'ummit %ank has designed and developed its own electronic interface by thename of I#manat $ash< to facilitate various exchange companies and banksto send home remittance to Pakistan on real time basis" !his has made

possible, for all Pakistanis, to receive remittances by their loved ones forFR((, in a fast and fully secured manner" !he service we o>er is readilyavailable to every one regardless of having account in 'ummit %ank"

Sa'ient eatures O) Summit Bank +ome Remittance inc'udes!

Fastest #ccount $redit

Free

Quick Processing

Real !ime

Premium, exclusively dedicated friendly $ustomer 'ervice for .omeRemittance $ustomers"

)6&1 $ustomer support through $ontact $enter"

+8


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8"3 0ur #lliances

!o facilitate expatriates, 'ummit %ank has created alliances with the /nestexchange companies in Gubai, Middle (ast, SL and S'# making it convenientto send money to your loved ones in Pakistan"

5") Oestern Snion

Oe o>er -uick and convenient delivery of cash over the $ounter services inassociation with Oestern Snion" Ho matter where you are around the globe,if there is Oestern Snion around, you can transfer funds to your loved ones,in no time" !his payment can easily be picked up in a matter of moments atdedicated Oestern Snion counters in our branches" Ho account at 'ummit

%ank is re-uired for this service"

+5


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8"2 #manat $ash

'ummit %ank is pleased to introduce #manat Remittance services, namely#M#H#! $#'. www"amanatcash"com

'ummit %ank is aAliated with PR 9Pakistan Remittance nitiative: which is a;oint venture of ministry of /nance and 'tate %ank of Pakistan" t hasaAliation in all 3+4 branches and over 84* partner payout locationsnationwide" #ll the branches are online"

'ummit %ank td has the ability to transfer funds into bene/ciaryers"6" $ashEtoE #M#H#! $ardN 9Remittance $ard 'ervice for the %ene/ciary:4" $ashEtoE$ash .omeEdelivery 'erviceNN"

N!o 'tart 'hortly"

NN!he system also generates 'M' to the %ene/ciary intimating him&herabout the incoming remittance" #nother 'M' is sent to the remitter as soonas the payout to the bene/ciary is successfully done" # dedicated call centeris available for customer support and nternational Remittance Partnersupport" !he service is o>ered free to the customers availing payEin andpayout services"

1*
http://www.amanatcash.com/http://www.amanatcash.com/


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8"6 ]press Money

]press Money is simply the fastest way you can receive money fromanywhere" Oe take pride in ensuring that it reaches the bene/ciary safelyand in a matter of minutes"

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1K. Saturday Banking Branc%es

'ummit %ank imited also o>er the services to our customer on the 'aturday

)6&1 %#HLHB %R#H$.('

3*J**#M !0 33J**PM %R#H$.('

3*J**#M !0 2J**PM %R#H$.('

'elected %ranches are open on 'aturday according to above mention timing"

11. =ening Banking Branc%es

)6&1 %#HLHB %R#H$.('

((HHB %#HLHB ! 33J**PM %R#H$.('

((HHB %#HLHB ! 8J**PM %R#H$.('

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Summit Bank Internship Report

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