ASKARI COMMERCIAL BANK LIMITED

(formerly Askari Commercial Bank) was incorporated in Pakistan on

October 9, 1991, as a Public Limited Company. It started its
operations during April 1, 1992. The bank principally deals with
banking, as defined in the Banking Companies Ordinance, 1962. The
Bank is listed on the Karachi, Lahore & Islamabad Stock Exchanges
and its shares are currently the highest quoted from among the new
private sector banks in Pakistan.

Askari Bank has expanded into a nationwide presence of 150

branches, and an offshore banking Unit in Bahrain. A shared
network of over 1,100 online ATMs covering all major cities in
Pakistan supports the delivery channels for customer service. As on
December 31, 2007, the bank had equity of PKR 12.27 billion and
total assets of PKR 182.17 billion, with over 800,000 banking
customers, serviced by 6,808 employees.

Askari Bank Limited

Type Private
Industry Money Center Banks
Founded October 09, 1991
Headquarter
Rawalpindi, Pakistan
s
Lt. Gen. Waseem Ahmed Ashraf,
Key people Chairman & CEO
M. R. Mehkari
Products Banking
Revenue ▲Rs 1.10 billion PKR (2009)[1]
Net income ▲Rs 9.03 billion PKR (2009)[1]
Total assets Rs. 254,32 billion PKR (2009)[1]
Employees 7,279 (2009)[1]
Our Mission

To be the leading private sector bank in Pakistan with an international presence, delivering
quality service through innovative technology and effective human resource management in a
modern and progressive organizational culture of meritocracy, maintaining high ethical and
professional standards, while providing enhanced value to all our stake-holders, and
contributing to society

Awards & Achievements

Askari Bank continues its success in competition. Recently we have once again been given the
“Best Retail Bank in Pakistan” by The Asian Banker for the 2nd consecutive year. Askari
Bank has been given the 1st Consumer Choice Award 2004 for the Commercial Banking
Category by the Consumer Association of Pakistan. We have also received the Corporate
Excellence Award for the financial sector from the Management Association of Pakistan (MAP)
for the years 2002, 2003 and 2004.

We have been given “The Best Bank in Pakistan” award by Global Finance magazine twice
i.e. for the years 2001 and 2002. We have been given the “Best Consumer Internet Bank”
award by Global Finance magazine for the years 2002 and 2003. We won the Euromoney and
Asiamoney awards as early as 1994, 1996 and 1997. We have A1+, the highest possible
credit rating, for short-term obligations, and our long-term rating stands at AA. We won the
prestigious “Best Presented Annual Accounts” award from the Institute of Chartered
Accountants in Pakistan (ICAP), and The Institute of Cost and Management Accountants in
Pakistan (ICAMP), for the Services Sector, for the years 2000, 2001and 2002. We have also
received ranking prizes during the last six years from the South Asian Federation of Accountants
(SAFA) for “The Best Presented Annual Accounts” for the financial sector, in the SAARC
region. In 2007 Askari bank won “The Best Consumer Banking Award 2006” for the third
consecutive year from the consumer Association of Pakistan. In 2008, Askari Bank has been
given “The Best Retail Banking Award 2008” by Pakistan Guarantee Export Corporation Ltd.

"Askari Bank has won the first position in the "Best Corporate Report Award for the
year 2008" by ICAP & ICMAP."

SERVICES OF ASKARI BANK

Askari bank is providing basically four types of services

 Consumer banking services

 Investment products
 Islamic banking services
 Agriculture finance solutions
 CONSUMER BANKING SERVICES

 PERSONAL FINANCE
Personal Finance is a parameter driven product for
catering to the needs of the general public belonging to different segments. One can avail
unlimited opportunities through Askari Bank's Personal Finance. With unmatched finance
features in terms of loan amount, payback period and most affordable monthly installments,
Askari Bank's Personal Finance makes sure that one gets the most out of his/her loan. Once
a good credit history is established, the door to opportunity opens much wider.

 MORTGAGE FINANCE
Askari "Mortgage Finance" offers the convenience
of owning a house of choice, while living in it at its rental value. The installment plan has
carefully designed to suit both the budget & accommodation requirements. It has been
designed for enhancing financing facility initially for employees of corporate companies for
purchase/ construction/ renovation of house.

 BUSINESS FINANCE
In pursuance of the National objectives to revive the
economy of the country, ACBL is providing loans to small and medium size business
enterprises under Askari Bank's Business Finance Scheme. Our goal is to offer a loan, which
enables business community to receive the financing required by them based on their cash
flows. Our valued customers can enjoy the convenience of getting financing on attractive
terms with the minimum processing turnaround time.

 ASKARI CARD
ASKCARD means freedom, comfort, convenience and security, so
that you can have retail transactions with complete peace of mind. ASKCARD is your new shopping
companion which enhances your quality of life by letting you do shopping, dine at restaurants, pay your
utility bills, transfer funds, withdraw and deposit cash through ATM anywhere, anytime.
 INVESTMENT PRODUCTS

 ASKARI PAISHGI MUNAFA TERM DEPOSIT

Askari Paishgi Munafa term deposit
account is an innovative addition in the wide range of bank’s products and value added services.
This unique product will meet the immediate financial needs of individual investors who want to
invest funds for a medium term. The most significant feature of this product is that the
customer will receive the entire profit upfront.

 ASKARI MAHANA BACHAT ACCOUNT

“Earn Rs. 842/- per month on investment of every Rs. 100,000/- for one year!"

“Earn Rs. 917/- per month on investment of every Rs. 100,000/- for three years!”

Askari Mahana Bachat Account is a Term Deposit facility available to individual customer with
the option of 1 and 3 Years tenure. It has been designed keeping in view savings needs of
individual investors who don’t want to block their funds for longer terms, with a competitive rate
of return paid monthly on the 1st of every month. A financing facility up to 90% will be available
for customers if required.

 ASKARI ROSHAN MUTAQBIL DEPOSIT

Askari Bank has launched the Askari Roshan Mustaqbil Deposit, a saving plan specially designed
for individual investors who wish to invest now for a regular return at a later stage while
keeping their principal amount intact. With Askari Roshan Mustaqbil Deposit you can double
your investment in a time period of ten years. Invest now in the form of monthly deposits for
five years and get paid back the same amount for the next five years while receiving your
principal amount in full at the end of the tenure.

 ASKARI DEPOSIT MULTIPLIER ACCOUNT

“Value of initial investment of Rs. 100,000/- will increase to Rs. 265,000/- at
maturity!”

Aim higher with your investments with Askari Deposit Multiplier account. This account is for
individual investors whose purpose is long term savings with high returns. With a tenure of 10
Years and a competitive rate of return on maturity this account is ideal for investors who wish to
start saving for their future today.
  ASKARI VALUE PLUS DEPOSITS
Askari Bank leads the way, yet again with the introduction of Askari Value Plus Rupee Deposit
Accounts, which promise greater financial freedom and security, in an un-matched way.

Now you can open a "Value Plus Account" while enjoying the flexibility of a normal checking
account.

Types of value plus accounts

 Value plus current account

 Value plus saving account
 Value plus time deposits

 ASKARI RUPEE TRAVELER CHEQUE

Askari Bank Limited has always remained at forefront in introducing innovative and unique
products in banking sector. Our financial instruments provide greater financial freedom and
security in an unmatched way to our valued customers.

Askari Bank offers you its "Rupee Traveller Cheques" eliminating all financial risks while
traveling. So avoid risk of carrying cash through Askari Bank's Rupee Traveler Cheques.

"Your Best Travelling Companion

 ASKCARD

Askari Bank is committed to provide you innovative and competitive solutions to your banking
needs in a more efficient and personalized manner. Your Bank enjoys a strategic competitive
advantage over all domestic players by virtue of its leadership, large network and technological
advancement. In line with our tradition of innovation, Askari Bank takes pride in announcing
launch of Askari Bank's Debit Card.

Askari Debit Card means freedom, comfort, convenience and security, so that you can have
retail transactions with complete peace of mind. Askari Debit Card is your new shopping
companion which enhances your quality of life by letting you do shopping, dine at restaurants,
pay your utility bills, transfer funds, withdraw and deposit cash through ATM anywhere,
anytime.

"Convenience at its best"

 INVESTMENT CERTIFICATES
Askari Bank's Investment Certificates not only provide the added security, investment and
monthly return to the customers. These certificates are negotiable and can be transferred to
third party. Investment Certificates can be issued for a period of 3 months and profit is payable
on monthly basis through pre-printed tear-off coupons.
 ISLAMIC BANKING SERVICES

Islamic Banking was launched under the brand 'Askari Islamic Banking', by opening 6 dedicated
Islamic Banking branches in major cities of the country. Further expansion is planned with
improved capabilities for offering products conforming to the Shariah principles.

Askari Islamic Banking opens the doors for Halal banking solutions. Our objective is to put in
place an efficient banking system suuportive to economic justice and welfare of society in line
with Shariah standards.

A comprehensive range of Islamic Banking products and services is bieng offered, in order to
meet customer's demand of Shariah Compliant Banking, in the following areas:

• Islamic Corporate Banking

• Islamic Investment Banking
• Islamic Trade Finance
• Islamic General Banking
• Islamic Consumer Banking

Islamic Banking products have been approved by the Bank's Shariah Advisor. As per Shariah
requirements, funds and products of Islamic Banking are managed seperately from the
Conventional Banking side. All funds obtained, invested and shared in Halal modes &
investments, under supervision of the Shariah Advisor.

AGRICULTURAL FINANCIAL SOLUTIONS

The role of agriculture in Pakistan economy is of pivotal nature. Due to diverse geographical and
climatic conditions the country has tremendous potential for growth and development in
agriculture. However, adequate and timely financial assistance to the farmers will improve
production potential of agriculture sector in the country. The modern concept of agricultural
credit envisages establishment of an efficient institutional credit system to serve as a package of
credit, supplies and knowledge for the overall strength of the farmers who at present suffer
from low productivity and financial insecurity. A successful credit evaluation system, therefore,
should have the basic ingredients to provide adequate amount at the right time and in the right
form to help farmers in making a productive use of loan funds
  ASKARI KISSAN AGRICULTURAL FINANCE PROGRAM
The Askari Kissan Agri Finance Program (AKAFP) has been designed to meet ON FARM / OFF
FARM credit requirements of farmers on the most convenient, flexible, easy terms and
conditions. The program features:

• A broad array of credit lines designed to meet farming requirements.

• Repay and borrow at your convenience on revolving credit basis at lowest mark-up
rates renewal able after three years.
• Convenient repayment terms based on cash flow abilities.
• Availability of leased Tractors / Transport without Land / Collateral.
• No Hidden Cost.
• Availability of interest free package for inputs and tractors etc.
• No Pre-adjustment penalties.
• Earn prompt payment Bonuses and reduce financial costs.
• Insurance cover of leased assets, animals, crops and life assurance of borrowers

 KISSAN EVERGREEEN FINANCE

Askari Bank has launched this program with the sole motive to provide dignity, prosperity
and freedom to the tiller of the land. The program is designed to help small, medium and
large farmers in meeting their short-term input requirements against one time sanction and
automatically renewable upto 3 years subject to its stipulated utilization/periodical
adjustment. The credit line is sanctioned in the light of available cash flows and input
requirements i.e. Seeds, Fertilizer & Pesticides etc.

 KISSAN TRACTOR FINANCE

Traditional modes of cultivation viz Bullocks, Camels, horses etc can no longer keep pace
with the demands of present times due to manifold increase in the population. Power in the
form of modern technology is therefore the need of the hour. To meet this emergent
requirement, Askari Bank has launched a Askari Kissan Tractor Finance to bring power to
the fields

 KISSAN ABPASHI FINANCE

Agriculture farming is impossible without adequate water. We can combat the prevalent water
scarcity by harnessing more natural resources. Increased use of mechanical means thus
provides a ready alternative. Keeping in view the scarcity of water, which is the lifeblood of
arable lands, Askari Bank has started a program for farmers, to finance installation of Tube-
Wells (electric, diesel and solar energy units) water management equipments and water channel
development etc., which will help farmers to make optimum use of limited water resources.
 KISSAN LIVE STOCK DEVELOPMENT FINANCE
In order to supplement the income of the farmer, Askari Bank has launched a program
enabling the farmer to purchase Milch Animals, Goats, Sheep, Poultry and Fisheries without
incurring extra expenditure because of availablility at his farm. He will be able to get milk,
meat and eggs etc., which normally do not form part of his diet. This program has the
added advantage that besides fulfilling his own family’s consumption needs he will be able
to market the surplus and earn additional income. This will further improve their cash flows
to repay their other Loans / Revolving Credit on due date

 KISSAN FARM MECHANIZATION FINANCE

Beside Power at the farm i.e. Tractor, the benefits / advantages of power are maximized
with the use of Mechanical Support i.e. modern and improved equipments which essentially
complement one another due to their cost effectiveness and time efficiency. Askari Bank
has launched an Askari Kissan Farm Mechanization Finance for the assistance of the small
farmers and provide finance for farm equipment, trailer, thresher, drills & rotavators etc

 KISSAN FARM TRANSPORT FINANCE

A grave handicap that afflicts our farmers is their inability, due to lack of proper facilities, to
take their produce to the market through efficient means of transportation. This adversely
affects the freshness, quality of the product and denies them the desirable Price-Fetching
opportunity. Conversely, they lack mobility to acquire much needed inputs essential for
their farming needs. One can safely conclude that if provided with appropriate and speedy
transport, the farmer can benefit by enhancing his selling ability and thus increase his
income / cash flow. it is pertinent to mention that a number of Banks, Leasing Companies
and Private Agencies have geared their marketing efforts to concentrate on and have mainly
captured the urban markets. There is no support provided to cater to the transport needs of
deserving rural farmers community. Askari Bank true to its commitment, has taken the lead
to launch Askari Kissan Farm Transport Finance
 CORPORATE AND INVESTMENT BANKING GROUP
As Askari Bank, we understand the unique business requirements of our corporate and
institutional clients, and accordingly, strive to meet their expectations through the provision of a
customized, relationship based banking approach, through the Corporate and Investment
Banking Group (CIBG).
CIBG is a one-window operation that provides all requisite banking services for our corporate
clientele in an efficient, dependable, consistent, and competitive manner – the objective being
to become your “bank of first call” for all your financial needs.
CIBG is specifically structured to provide dedicated banking services and products to its
corporate customers through two key divisions.

• Corporate Banking Division

• Investment Banking Division

 CORPORATE BANKING DIVISION

CBD is your long-term business partner that is geared to help you in meeting your business
growth objectives. The business is managed by a team of professionals who understand your
requirements and can firmly stand by your side.
Dedicated relationship managers for each of our corporate clients ensure your satisfaction,
which is our top priority. Our relationship oriented outlook focuses upon providing a complete
array of tailored financing solutions, that are practical and cost effective, some of which include:

• Working Capital Facilities

• Term Loans
• Structured Trade Finance Facilities
• Letters of Guarantee
• Letters of Credit
• Fund Transfers / Remittances
• Bill Discounting
• Export Financing
• Receivable Discounting

 INVESTMENT BANKING DIVISION

IBD provides value-added, specialist services and products through a dedicated team of
professionals, with world-class skills, to provide customized solutions to help our clients meet
their strategic objectives. IBD is responsible for seamlessly originating, executing and
distributing all forms of investment banking transactions ranging from syndicated loans to
complex structured and project financing transactions. Some examples of products offered by
IBD include:

• Strategic Advisory
• Privatization Advisory
• M & A Advisory
• Balance Sheet Restructuring
• Syndications
• Project Finance
• Structured Finance
• Islamic Finance

BRANCH NETWORK OF ASKARI COMMERCIAL

BANK
In Karachi askari bank has 43 branches in different areas.

1. Saima trade tower brach

2. Clifton branch
3. Shahra-e-faisal branch
4. Jodia bazaar branch
5. Gulistan-e-johar branch
6. DHA branch khayaban-e-itehad
7. Cloth market branch
8. Bahadurabad branch
9. Hydiri nazimabad branch
10. Shaheed-e-millat road branch
11. Branch saddar
12. North Napier road
13. Baddar commercial area
14. Gabol town , Karachi
15. SITE , Karachi
16. New Challi branch
17. Korangi branch , Karachi
18. PTA korangi
19. Marriot road branh , Karachi
20. M.A Jinnah road , Karachi
21. Martson road branch
22. Gulshan-e-iqbal
23. Stadium road branh
24. Metroville , Karachi
25. Federal B area branch , Karachi
26. SBTE , Karachi
27. Atruim mall , Karachi
28. Bohra pir Karachi
29. Malir cantt Karachi
30. Timber market branh
31. Stock exchange branch , Karachi
32. Khayaban-e-sehar , Karachi
33. Manghopir road
34. Tariq road , Karachi
35. Makro sadder
36. Bahria complex Karachi
37. DHA phase 4 karachi
38. Paper market , Karachi
39. Nagan chowrangi Karachi
40. Mehmodabad branch, Karachi
41. Khayaban-e-Bukhari DHA phase 6 , Karachi
42. Bismillah chowrangi Karachi
43. Gulshan chowrangi karachi
.