Bank

A bank is financial

institution and a
financial intermediary
that accepts deposits
into lending activities.

Introduction
Incorporated by Adam Jee

group on July 9, 1947.

Established with a view to
provide banking facilities
to the business
community of south Asia.
Has journeyed well
positioned heights of
success.

Introduction..
Played a vital role in representing the

country on global plateforms.

Mian Muhammad Masha is the
chairman.

History
First bank to launch GDR.
Strategic foreign partnership with Maybank

of Malaysia.

Indirect regional presence in Dubai, Hong

Kong and Sirilanka.

1,150 branches,27 Islamic Banking Branches
and 690 ATMs across Pakistan.

Vision statement
To be the leading

financial services
provider, partnering
with our customers for
a more prosperous and
secure future.

Achievements & Awards

Best commercial bank in

Pakistan
Best domestic bank in Pakistan
(2000 - 2014)

Associated
Companies
Adam Jee Insurance Company

Ltd.
First Women band Ltd.
Euronet Pakistan (Pvt) Ltd.

Subsidiary Companies
MCB financial services Ltd.
MCB trade services Ltd Hong Kong.
Arif Habib Investments Ltd.
MCB Leasing closed Joint stock company

Azerbaijan.

Organizational And
Departmental Hierarchy

Directors of MCB:
Mian Muhammad Mancha
(Chairman)
Mr. S. M. Muneer
(Vice Chairman)
Mr. Imran Maqbool
(President & CEO)
Mr. Tariq Rafiq
(Members)
Mr. Shahzad Saleem
(Members)
Mian Raza Mancha
(Members)
Mian Umer Mancha

Committees Of
MCB
Committee on physical planning and

contingency arrangements
Information technology committee
Business strategy and development
committee
SBP report committee and monitoring
committee

Committees Of MCB
Write off and waiver committee
Chief financial officer committee
Secretary and group head legal affairs

committee
Group head audit committee
Associated committee
Subsidiary committee

Principle performance
Integrity
Innovation
Excellence
Customer

Centricity
Respect

Product & Services Of

Bank

Deposit products of MCB

Types Of
Accounts
1. Current account

2. P/L Saving accoun

Types of account ..
3.P/L Term Deposit

4. Foreign Currency
Account

Types of account ..
5.Smart Dollar Account

7. Saving 365
Gold

Types of accounts

Mahan profit deposit

Procedure For Opening An Account

Contact with bank
Getting form
Document attached
Specimen signature card
Issuance of account number
Deposit of amount number
Deposit of amount and document

Money laundering
. The process of creating the appearance
that
large amounts of money obtained from
serious crimes, such as drug trafficking
or terrorist activity, originated from a
legitimate source.

How MCB is stopping Money

laundering
1.Ethical - taking part in the fight against crime.
2.Professional - ensuring that the Bank is not
involved in recycling the proceeds of crime that
would call into question its reputation, integrity
3.Legal - through KYC guidelines MCB is stopping
criminal elements like money laundering.

Know Your Customer

This term is used for customer identification

process
Know your customer policies are becoming
increasingly important globally to
preventidentity theft, financial fraud,money
launderingandterrorist financing.

Suspicious Transaction
Unusual large and complex transactions are

Suspicious transaction
MCB FREE Fraud Alert Management
department is handling all these issues

Types of loans
Insurance services

Types of loans
Term Loans
Running Financing

(Business Sarmaya)
Personal Loans
MCB Payara Ghar Laon
MCB Care 4u
Overdraft

Term
loans
MCB offers short to medium term

finance to meet capital expenditure

and short term capital requirements
of customers.

Running Finance
MCB Business Sarmaya is the best

Running Finance facility against your

residential property which empowers you
to manage your business dealings better.

Personal
loans
MCB Easy Personal Loan provides you with the

financial advantage to do things you've

always wanted to but never had the sufficient
funds for your want.

MCB Pyara
Ghar

MCB Pyara Ghar is an ideal Home

Finance from your own bank that lets you

Purchase, Renovate or Construct your
home the way you have always wanted.
Having your own home was never so
easy.

MCB Car 4 U

MCB Car4U through its flexibility,

affordability, speed and other special

benefits makes you keep up with the
fast pace of life...

Overdraft
This type of facility is usually given to very

loyal clients. This allows them to withdraw

over and above the amount held by them in
their account,

Insurance
services
Flexilife
Life partner
Educare
Dream wedding
Caitalsure
Retire easy
Incomemax
Futre assure
Protection plan
Saveand sure

Other Services Of Bank

Other Services Of Bank

On line Banking

services
Card services
Self services
Investment services

On line services
MCB offers online internet services to

manage and control your bank, account

and finance.
There are three features of services
Simple
Secure
Free of cost

Card Services
MCB provide different card

services to customer like :

MCB debit card
MCB credit card
Classic and gold credit card
MCB prepaid card

Self
services
MCB provide self services to its

customers like:
MCB Mobile services
ATM Services
SMS Alert
Call Center
Bill Payment
E-Statement

Investment
services
MCB provide diversified range of investment

products which are :

Mutual Funds
Equity Funds

Islamic Banking

Islamic
banking
Based upon 2 principles of Islamic law

(Shariah) and guided by Islamic economist:

Sharing Profit & Loss

Prohibition of interest

Products of Islamic banking

1. Mudaraba :
It is a partnership in profit in which one
party provide capital (Rab-ul-mal) and
other proivde labour (Mudarib).

2. Sharik-ul-Aqd :
It is a contractual partnership agreement
between
two or more parties to
combine their assets, labor, liabilities for
profit.

3. Murabaha :
Murabaha is selling a commodity on
defined purchasing price and with
agreed profit.

4. Ijarah :
This term is used for leasing which
means selling the benefit of the use
of an asset on leasing.

5. Ijarah Muntahia Bittamleek :

Its a form of Ijarah in which lesser transfer the
ownership of leased property to the lessee.

6. Istisnaa
Contract :

Its a contract of sales of specified items that

is bieng manufactured or constructed with an
obligation

7. Salam :
Its a transaction of purchasing a commodity
for deferred delivery in return of immediate
payment.

8. Parrallel Salam :

This Salam transaction involve third party to

acquire the goods.

Deposit schemes

1. Hifazat Saving
Account
Like a saving account
Minimum requirement is Rs.

100
Profit is calculated 6 monthly

2. Hidayat Current Account

Same facilities and requirements like

current account
Minimum requirement is Rs. 1000

3. Namat Term Deposit

Account
Minimum requirement is Rs. 25000
Term deposit period can be 1 2 3 months or

year etc
Profit calculated monthly, quarterly or at
maturity

Fund Based & Non

Fund Based Facilities

Fund based facilities

1. Ijarah
Products :
1. Salamat Car Ijarah
2. Sanat Equipment Ijarah

2. Maeeshat Murabaha
Contract between 2 parties in which seller
purchase the goods at the request of customer
after adding profit.
Murabaha = Cost Expense Profit

Fund based facilities

3. Diminishing Musharika
Equipment :
Contract in which MCB & its client in joint
ownership of property.

4. Baraamad Export
Financing :
Its a substitute of Foreign Bill Purchase (FBP)
products which fulfills the capital requirement
needed in exports.

Non Fund Based Facilities

Kafalat Bank Guarantee:
In this bank act as intermediary in certain
transactions to ensure the security and
confidence of its customers.

SWOT
ANALYSIS

STRENGTH
Edge over its competitors
MCB in the list of highly

automated bank
Reasonable service charges

WEAKNESS
MCB is not providing purely Islamic

system
Unawareness about products
Need of finance

OPPURTUNITIES
Management skill courses should be

introduced
Adoption of information technology
Staff should be sent for some foreign
courses

THREATS
Increase in competition
Interest rate against loan is

increase and investors cannot get

loan from bank
Government policy change day by
day

Recommendations
System and operations should be more

defined and organized

Proper product information
Branch must Possess sufficient number of
employees

Conclusion