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M.Nauman Sher
Razaullah khan
Shiraz Khan
Al-Meezan Bank
Largest
Shariah
compliant
asset
managemen
t company .
Incorporate
d on
27thFebruar
y 1995.
Al Meezan is
registered
as a Non
Banking
Finance
Company.
270
Branches
across 83
cities in
Pakistan.
Vision
Mission
To be a premier Islamic bank, offering a one-stop
shop for innovative value-added products and
services to our customers within the bounds of
Shariah, while optimizing the stakeholders value
through an organizational culture based on
learning, fairness, respect for individual enterprise
and performance.
Pak Kuwait
Investment
Company
(PVT) Ltd
30%
Meezan
Bank
Limited
65%
Employees
of AlMeezan
05%
Shareholdings
Meezan
Bank
Products
Deposit
Accounts
Services
Terms and
Certificate
s
Electronic
Banking
Consumer
Finance
Deposit Accounts
Rupee
Current
Account
Business
Plus
Account
Meezan
Kids Club
Account
Labbaik
Saving
Meezan
Bachat
Account
Meezan
Teens Club
Account
AasaanRup
ee Saving
Account
Pound
Saving
Account
Dollar
Saving
Account
Euro Saving
Account
Term Certificates
Certificate of
Islamic
Investment
Dollar
Mudarabah
Certificate
Meezan Amdan
Certificate
Monthly
Mudarabah
Certificate
Services
Labbaik
Travel
Aasaan
Online
Banking
8 to 8
Banking
Ladies
Banking
Home
Remittan
ce
Western
Union
Money
Transfer
Elect
ronic
Internet Banking
Meezan Quickpay
SMS Alerts
ATM Network
Call Center
Consumer
Finance
Lapt
op
Ease
Car
Ijara
h
Easy
Home
Monetary Policy
(Credit Control)
The changes in money supply
by the central bank to influence
interest rate and achieve some
other economic objectives is
called monetary policy
Bank Credit dominant part.
Credit is lifeblood of modern business.
Too much credit leads to inflation.
Objectives of Credit
Control
Regulate money supply
To increase investment
To increase employment
opportunities
To control price level
Quantitative Controls
Discount rate policy
Rate of interest at which a central bank provides loans
to commercial banks.
Credit Rationing
Fixing limit up to which central bank can give loans to
its member banks.
Qualitative Controls
Change in Margin Requirements
Change in margin of loan against
security.
Moral persuasion
Advising and Guidance to member
banks.
Publicity
Central bank undertakes publicity about
its policies.
Direct Action
Transaction cost
Transaction cost are fees charged
by financial companies in the
sales and purchases of
securities
OR
A fee charged by a financial
intermediary such as a bank,
broker or underwriter
Transaction Cost
(example)
Consider the prospective purchaser of a
refrigerator. The purchase price of the
refrigerator that is eventually bought is
not the only cost involved. Transaction
costs
such
as
the
time
spent
researching the best brand and model,
and the cost of travelling to wherever
that item is available for purchase
increase the real cost of the purchase.
Information cost
Cost incurred from completing due
diligence which involves the expenses
related to the investigation of an
investment or financial activity and is
necessary to determine profitability.
OR
Costs incurred in transaction including
the analysis and evaluation of the
advantages of a financial asset as an
investment.
End of Presentation
Any Question ?