Brief Profile of the Company:

PIBAS Pakistan is a software company focused on developing end -user solutions for financial institutions. The banking solution of PIBAS include core banking for both conventional and Islamic banking, loans and microfinance, treasury, trade finance, leasing, reconciliation, etc. PIBAS has developed its product suite for conventional and Islamic banks aiming at empowering the financial industry at an affordable cost with increased operational efficiency and better customer service. Our current client base comprises of some leading commercial and retail banks in Pakistan, Oman, Qatar, Tanzania, South Africa and Bahamas.

Company Description:
PIBAS Inc. was established in 1996 as an affiliate of Pioneers Computer Company LLC., Sharjah UAE (PCC), which was formed in 1985 with the sole objective of developing stateof-art international banking application system, PIBAS. The first generation of PIBAS was successfully developed and implemented in various financial institutions in Gulf and Pakistan regions. Our extensive development work continued to further strengthen the application suite by adding new modules. In 1996, PCC entrusted PIBAS Inc., the task of developing a more comprehensive solution suite based on modern technologies. PIBAS Inc., in a very short span of time, completed the transformation task and developed a complete suite of applications, PIBAS Plus, through its offshore development office in Pakistan. PIBAS Inc. has consolidated its position as one of the very few companies in the world that provide end-to-end core banking solutions that are most economical, financially viable and are quality focused. The continued market acceptance of the Company's products and services, its sustained growth and invaluable confidence of customers, is a clear manifestation of the quality and dedication, the company is committed to. We are constantly working to achieve excellence in the quality of products, services and solutions that we provide to our customers. PIBAS Pakistan is ISO 9001:2000 certified and has rigorously implemented processes compliant to CMMi quality standards.

Brief History
The parent company, Pioneers Computer Company (Pvt.) Ltd. (PCC), was established in November 1985 with its Head Office in Sharjah. Established as a private limited liability Company, the sole objective of the organization was to develop and market a comprehensive banking product for the international market with interna tional quality standards. The initial development of the integrated application, PIBAS, was done in Sharjah, UAE. The new version, PIBAS Plus, has been developed in Pakistan. The group has offices in UAE, Canada, Kenya and Pakistan. The PCC is now serving as PIBAS sales and marketing office for Gulf and Africa regions.

The Management Team:

Mr. Khalique Qadri,
Chief Executive Officer

Mr. Khalique Qadri has been with the IT and Financial industry for over 40 years. During the first two decades of his professional career, while working with large financial institutions, he closely monitored the problems that those institutions were facing with the core banking solutions that they had. He also realized that though very expensive, those products lacked quality and support. As a visionary leader, he decided to facilitate institutions by developing world class quality banking products at not only affordable costs but to provide them best possible support after sale. He thus formed Pioneers Computer Company in UAE in 1985 where he successfully developed a comprehensive solution for banking sector. The solution acquired a wide acceptance by banks in Pakistan and Mid East regions. In 1996, Mr Qadri decided to open up a subsidiary of his company in Pakistan to utilize human capital of Pakistan for transformation of COBOL based solution on to Windows based platform. PIBAS Pakistan was thus formed in 1996 with an objective to provide economical and reliable IT solutions to empower the financial industry. Prior to establishing PIBAS group of companies, Mr. Qadri worked for UBL Pakistan, Stenberg Inc. Montreal Canada, and Middle-East Bank Dubai in various capacities. Mr. Qadri has Masters Degree from University of Karachi and has attended a number of specialty courses and trainings in various fields of IT and Finance. Dr. Mashhood Qazi,

Chief Operating Officer

Dr. Qazi has been involved with the Information Technolo gy since 1990. He has worked with a number of clients and organizations to strengthen their IT Governance by developing strategic IT objectives, policy frameworks and roadmaps, risk profiles, business continuity and disaster recovery plans, and annual business and management plans, to ensure that the enterprise and IT governance frameworks enable clients and organizations in achieving optimal value from technology, people and process. With exceptional leadership skills, he has earned a solid experience in program management, process discipline, quality assurance, incident management, change management and client support, while working for both government and non-government sectors around the world. He has successfully managed planning and execution of large, complex and strategic information technology projects. Dr. Qazi has abilities to resolve group conflicts, identify problems and is always willing to make decisions. Dr. Qazi has the capability to think outside of the box and provide innovative solutions for increased profitability. He has worked on implementation of ISO standards and CMMi quality processes in various engagements world over.

Dr. Qazi has extensive experience and expertise in the IT industry, Pakistani, North American and Middle Eastern Markets. He has successfully supervised initiatives in Government, Financials, Telecommunications, Supply Chain, Retail and Healthcare verticals. Dr. Qazi holds a Bachelors degree in Computer Systems Engineering from Pakistan, MBA and PhD from USA. He is Member of Information Systems Audit and Control Association (ISACA), and IT Governance Institute (ITGI) USA. He is also Member of the Government of Sindh Information Technology Advisory Board and Member of the Core Group of Pakistan Standards and Quality Control Authority. Together with this, he is Member of Project Management Institute USA, MBA Association USA, and Pakistan Engineering Council.

Mohammad Saleem,

Manager Technical Services

Mr. Saleem has almost 18 years of experience in managing, designing, developing, implementing softwares for the Banking / Financial industry. He has worked for investment and financial services industries where h developed/managed projects for the e Commercial/Investment/Islamic banks, Leasing companies, Modarabas, Insurance companies, etc. He has expertise in project management, planning, team building with a strong focus on customer relationship management through support services. Mr. Muhammad Saleem has been associated with PIBAS for more than 9 years. In his current role, he is heading the Technical Services Department providing support and quality control services to our valued clients. Before taking on this challenging role, he was heading the Development Services Department where he was instrumental in developing value-add modules for the PIBAS suite of banking products. He is an MCS graduate from University of Karachi with distinction.

Sardar Atta Mohammad,

Senior Project Manager

Sardar Atta has 11 years working experience, attached with large enterprise applications/organizations. He has more than 6 years IT industry experience and expertise that include Software Engineering, Database Administration, System Architect and Project Management in addition to 5 years banking experience worked in various departments. He has proven record from Programmer analyst to Project Manager and System Architect along with multi-dimensional experience on hand for the project management that includes deeply involvement in the complete SDLC of the systems on Windows platforms for both desktop and web based applications. He has exposure of project management of analysis, development and implementation of outsized products for large enterprises on Windows platform (.NET, Visual Studio 6, ASP, ASP.NET) for both Oracle and SQL Servers. These products/projects are up and running not only in Pakistan but also in South Africa and middle East.

He has extensive experience on hand for project/team management, project planning, system architecture, supervising development and implementation of technically complex multi branch n-tier distributed/centralized systems on both Oracle and SQL Servers. Atta has the degrees of MCS and MS in software engineering. He is Microsoft Certified Professional and Sun Certified Java Programmer

.
Saad Javaid,
Manager Business Development

Saad has 10 years experience in banking and customer service. Moreover, experience of Management and Administration of handling a retail and Franchise business in America. He has worked for banks like Bank of America and Wells Fargo in America. He became employee of the year at Bank of America twice and has got the certificate due to his punctuality and accuracy. He has experienced as a teller, cash handler, and customer service as well as client relationship in branch. In addition to that, he has taken different training session at different banks such as Customer Satisfaction, Winning Through Service and Client Relationship Management. He is also in touch with media industry and production houses and has done interviews with different celebrities. He is the member of Media council at Institute of Business management. Besides the job experience, he has done his bachelors in Commerce from Karachi University and Business Management from California State University, USA. He has strong interpersonal and good communication skills and has an ability to synchronize in any environment.

Mission Statement
Inspired by challenges, resourced with talent, driven by commitment and humbled by accomplishments; we have a dream to take our organizations and those of our business partners/customers to the pinnacle of success; by zealously pursuing our business objectives, with all sincerity, honesty and integrity

Vision Statement
To be a market leader in providing complete suite of conventional and Shariah compliant products to financial institutions at an affordable cost attaining highest level of customer satisfaction.

Core Values
Integrity We do what we say we will do We will not compromise on what is right We recognize our mistakes, and are committed to learning from them We will be honest with our daily activities and do the right thing at all the time

Teamwork We believe PIBASs success depends upon teamwork We recognize that a team accomplishes more than individuals alone We encourage all team members to help and learn from each other

Continuous Improvement We learn continuously, leveraging informal and formal learning opportunities We endeavor to do the best we can We celebrate our achievements but see them only as beginnings

Client Success We strive to develop the solution that best addresses the clients business We are committed to delivering results on time and within budget, driving longterm business value for each of our clients We value long-term client relationships

Maximize Value for Stakeholders We will follow a clear business strategy, which embraces our core values Our organizational discipline and operational excellence will drive our financial and marketplace success

Our Differentiator:
We are able to attract the clients mainly due to: ? ? ? ? ? Economical cost of automation and operation Reduced TCO Comparable quality Robust support Fast implementation/deployment, data conversion and migration consultancy

The Value Proposition:

We provide the best value for money, both in terms of total cost of automation as well as the operating cost due to high level of efficiency accomplished through our system. The distinct advantage we have over the competition is because: ? A better Return on Investment for financial institutions by acquiring PIBAS product suite ? The low cost of doing comprehensive automation of full banking operation ? A reduced total cost of ownership ? PIBAS software products are rich in functionalities, features and facilities, and are easy to use and deploy ? A versatile application product range, that can be customized with or without charges to customers in order to fulfill their requirements ? A proactive approach to continuous improvement process for meeting customers current and future needs ? Robust product support exceeding service level expectations

Quality Policy
Our Focus is to satisfy needs of our clients, manage through process discipline, be proactive in our approach, lower total cost of ownership through continuous improvements, and provide better empowerment to our employees.

Client Management:
? The organization follows the Client Satisfaction, Evaluation & Improvement Process to solicit and action improvements to improve client satisfaction. Customer Feedback is captured and actioned in accordance with the Client Feedback Process.

Project Management:
? ? ? ? ? Project/product managers are responsible for negotiating commitments and developing the projects software development plan, project activities and results Projects follow the Project Tracking and Monitoring Process for both tracking and controlling its software development activities. Projects follow the Project Planning Process for planning a software project. Projects will follow the PM processes defined in the QMS for managing the software project. Projects will follow the Software Configuration Management Process.

Process Management:
? ? ? ? Senior Management oversees the organizations activities for software process development and improvement. The organization follows the Process Management processes defined in the QMS for developing and maintaining a standard software process and related process assets. The organization follows the Product Support Plan for improving the Product capability. Senior Management sponsors and overseas the organizations activities for technology change management

Quality Management:
? ? All projects will follow the Metrics Process for measuring and quantitatively controlling the performance of the projects defined software process. All projects will follow the Defect Prevention process for defect prevention activities.

Quality Assurance and Control:

? ? Projects will follow the Quality Assurance and Control processes for implementing software quality. All projects follow the Project Planning Process to define plans for managing software quality.

Project Execution:
? ? ? Projects will follow PIBAS Requirements Process for managing the requirements allocated to the software. All projects will follow the Proper Review Process for performing peer reviews. All projects will follow the Project Execution processes defined in the QMS for performing the software engineering activities.

People Management:
? The organization follows the Training Needs Processes for meeting organizational and individual training needs.