Group

Members:
Zartasha shaukat
(m12bba057)
Shafaq Shahid
(m12bba023
Sumaiya Mir
(m12bba021)
Maryam Arshad
(m12bba005)
Isma Nizam
(m12bba013)

Meezan Bank Ltd

VS
Bank Islami Ltd

Introduction
Zartasha
Shaukat
M12bba057

Introduction
Meezan Bank Ltd
Meezan Bank Limited,
a publicly listed
company, was
incorporated on January
27, 1997 and started
operations as an
investment bank in
August that year
Pakistan issued firstever license for
Islamic commercial
banking in 2002.
It has 550 branches
in over 140 cities

Bank Islami Ltd

first Islamic
Commercial Bank to
receive the Islamic
banking license under
the Islamic banking
policy of 2003 in year
2005.
its branch network
consists of 213
branches& sub
branches spread over
80 cites of Pakistan
With the
amalgamation of KASB

Introduction
Meezan Bank Ltd

It is largest
shariah compliant
asset management
company
Al meezan is
registered as a non
banking finance
company
The Bank has a
market share of
35% in Islamic
banking industry of
the country

Bank Islami Ltd

BankIslami is now
the 11th largest
banking net work
in the country with
317 branches in 93
cities nationwide
Bank offers shariah
compliant retail
banking, investment
banking, consumer
banking and trade
finance products.
Credit rating of

Deposits Products/Accounts
Range of Meezan Bank Ltd.

Shafaq Shahid
M12bba023

Types of Accounts
LC
Y
Current Accounts
Saving Accounts
Fixed Deposits Account

Total
account 14

FCY
Current Accounts
Saving Accounts
Fixed Deposits Account

Total
Accounts 7

Current Account
Following features are
common in all current
accounts:
Opened by anyone
Minimum opening Balance:
1000Rs
Free Cheque books, Pay
Orders, Online Banking
Unlimited number of
transactions

Saving Accounts
Riba-Free Saving Accounts
Deposit in these saving
accounts gives an attractive
rate of return
Profit is calculated on Daily
Product Basis
Profit is paid on monthly
basis
Normally Bank shares 45%
of Gross Income as Mudarib
Depositor shares 55% of

Saving
LCY Accounts

Mudarabah

Based Accounts

Mudaraba-based accounts allows

you to conduct your banking
transactions while availing a wide
range of free services and therefore
provides you the ideal blend of
convenience & flexibility that you
deserve in Islamic banking
Normally Bank shares 45% of Gross
Income as Mudarib
Depositor shares 55% of Gross

Meezan Teens
Karobari
Asaan
Business
Kids
Club
Club
Plus
Account
Account
LCY

Meezan Term Certificates

Meezan Bank offers a range of RibaFree Term Certificates Ranging from
1 month 7years
Short Term LCY COI
Long Term LCY COI
Long Term FCY COI

Short
Term LCY

Long
Term
LCY

Monthly Mudaraba
Certificate

Meezan Amdan
Certificate
Short
Term
LCY

Dollar
Mudarabah
Certificate

Certificate of
Islamic
Investment
Certificate of
Islamic
Investment Plus

Deposits Products/Accounts
Range of Bank Islami Ltd.

Sumaiya Mir
M12bba021

Retail Mode of
services

Bank Islamic provide

advances facility both
in local currency &
foreign currency

Islamic Current Account

minimum balance of Rs. 1,000/only to open

Joint Account facility up to four
joint account holders
Access to the entire online
branch network 201 Branches in
80 Cities
Facility of making instant
payments at Orix terminals for
grocery, fuel ,dining and other
purchases

Local Currency Saving Accounts

Islami Bachat
Account is ideal for
customers who need to
draw money for monthly
expenses but would also
like to earn on your hard
earned savings. A minimum
balance of Rs. 100/- only to
open the account

Islami mahana
munafa account
gives you the freedom of
halal monthly gains.
Minimum amount of
investment is Rs. 10,000/only
Tenure of investment are 1,
2, 3 , 5 & 10 years

100% interest free

Available in Pak Rupees
Profit/loss payment on monthly basis until the maturity
date

LCY Term
DepositsIslami Amadni
Certificate
Its for the salaried
individual, a
businessperson or a
corporate entity with some
long term investment
funds to spare
Available in Pak Rupees
Investment can be done
for 1, 3, 6, 12, 24, 36 or
60 months
Minimum amount of
investment is Rs.

Modarba Based Local

Currency Accounts

Islami Shaulat Account

Free
Free
Free
Free
Free

cheuqe book
pay order
inward clearing
online banking
internet banking

Islami Asaan Account

No minimum balance on operating the account
Can be a single and a joint account
Profit on monthly basis
Total Credit Balance Limit: Rs. 500,000/-

FCY
Accounts
Islami Foreign Currency
Current Account
Available in USD, GBP & EURO
A minimum balance of USD 100/or equivalent in GBP or EURO to
open the account
Joint Account facility up to four
joint account holders
Islami Dollar Bachat account
Monthly profit/loss payment on daily
product basis
A minimum balance of USD. 100/- in cash
or through USD clearing cheque
No Zakat or Withholding tax
Joint Account facility up to four joint
account holders

Financial
Standing
Maryam
Arshad
M12BBA005

Total assets
Assets of Meezan

Total assets of Bank

bank have increased

Islamic in 2015 have

in 2015 as compared
to year 2014 (Rs.437
billion in 2015 to
Rs.531 billion in
2015). It has gain
growth of 21.51%.

inclination trend of
Rs.180 billion as
compared to Rs.101
billion in 2014. The
growth rate of assets
is78.2% which is extra
ordinary good.

Deposit trends
Meezan Bank Ltd
Deposits in year 2015
has been increased as
compared to 2014 and
reached till Rs 472
billion from Rs. 380
billion. The growth
rate of deposit is
24.2%.

Bank Islamic Ltd

Total deposits in 2015
are of Rs.145 billion
which comprises Rs
114 billion of Islamic
Banking and Rs.30
billion from
conventional banking.
The growth rate of
deposit in 2015 as
compared to 2014 is

Investment port folio

Meezan Bank Ltd
Investment has been a
declining trend in
2015 as compared to
year 2014 with
33.33% decline.
However in 2015,
investments market
value has diminished
more than in 2014
(from Rs.324 million

Bank Islamic Ltd

Total investment
portfolio in 2015 is
about Rs.42 billion
which comprises
Rs.39 billion from
Islamic investment
and Rs2.96 billion
from conventional
investment of KSAB.
The growth rate in

Net Islamic Financing and other related assets

Advances portfolio has

also been increased
by18.28% in year 2015.
The total portfolio of
advances in total assets is
47.36%.It shows an
expansion in business. But
in 2015 NPL have been
increased from 16.67%.

The growth rate of

advances is 39%. The total
portfolio of advances in
total assets is 31.67%
which shows positive sign.
However, the NPL have
been increased about 85%
in year 2015 than 2014.

Net profit after tax

Profit in year 2015 has
increased 9.8% as
compared to 2014.
Earnings per share ratio
also has an increasing
trend in 2015 (5.01) as
compared to 2014
(4.56).i it shows good
management of
expenses by Meezan

bank ltd

The declining rate in profit

is 53%. The reason may be
merger of KASB bank and
increase in admin expenses
and other expenses with
respect to deposits and other
remunerative assets. The EPS
ratio in 2015 was 0.111 as
compared to 0.58 in 2014.

Investment
Portfolio
&
Conclusive
Remarks
ISMA NIZAM
M12BBA013

Meezan Bank Investments by segment

Mutual
funds
open ended
mutual
funds

Rs. 1.75 million

Forex
Market
Global
Sukuk
Bonds

Rs. 7 bn

Stock
Market
shares of
Listed &
unlisted
companies
subsidiaries
\associates

Rs.3.604 bn

Bond
market

GOP-Ijarah
Sukuk
Bond
Sukuk
Certigicate
s
Rs.21 bn

Total
investments
Rs. 76 bn

Bank Islami ltd. Investments by segment

Mutual
funds
Close/open
ended mutual
funds

Rs. 242.015 million

Bond
Market
Go-ijarah
Sukuk
Bonds
Listed./unliste
d sukuk
certificats

Stock
Market
shares of
Listed &
unlisted
companies

SUBSIDARI
ES
Rs.191 million

Rs. 38.5 bn

Total net
investments
Rs. 42 bn

Islamic=39 bn
conventional=2-96bn

Conclusive
Remarks

Products Range
Meezan banks products are
more versatile than Bank
Islami & Meezan banks rate
on return usually pays
higher than Bank Islami.
We can say Meezan bank
is more customer focus and
oriented

Expansion in business
Business volume of Meezan bank is more
than Bank Islamic. However the growth
rate in Business expansion in Meezan bank
is more than Islamic Bank. As deposit of
80%
61.00%
Meezan bank have increased by 24% with
60%
39.02%
40% 24.00%
18.28%
20%
increase of advances 18.28%. While
0%
deposit growth rate of bank Islamic is 61%

with growth of advances of 39.02%. the

gap is more in Bank Islamic than Meezan.
deposits

advances

2015 as compare to 49 million in

Investment
management
2014 while
earning of bank
Islamis earning from investment
is Rs.20 million as compared to
loss of Rs 7million in 2014.
Moreover, Bank Islamis
diminishing value in investment
in 2015 is Rs.46 million as
compared to Rs.39 million in
2014(17.95% increased) and
meezan banks investment
diminishing value in 2015 is
Rs.445 million as compared to
Rs.324 million in 2014(37.3%
increased)
we can conclude that the
selection of investment choice of
Bank Islami is better than meezan
Bank

Meezan banks assets growth is

Financing 21.47%while
management
ability
islami
banks
assets growth is 78.2%.
Moreover, deposits trends in both
banks have also increased. In
Meezan bank deposits growth
rate is 24.2%in comparison of
which advances increase by
18.28%.in bank Islamic deposits
growth rate is 61% in comparison
of advances growth of 39%.
Meezan Banks Lending
management is better

Productive Advancing

Meezan bank Non

performing loans have
increased by 16.67 % while
bank Islamic non performing
loan portfolio has increased
by 85%.
So here we can say
advances portfolio of
Meezan Bank is better than
Bank Islami

Profit growth
The growth rate of profit
margin is 9.8%. While profit
margin of bank Islamic has
decreased by 53% in 2015
than in year 2014. However,
admin expenses increased in
Meezan bank by 30% and in
Islamic bank admin expenses has
increased by 47.61% . Moreover,
Earning per share of Meezan
Bank is more than Bank Islamic
and return on assets is also more
in Meezan Bank.

Meezan bank s
management is
more efficient in
handling business
matter than Bank
Islami.

THANK
YOU