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Presentation By:

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

Establish Islamic banking as banking of first


choice to facilitate the implementation of an
equitable economic system, providing a strong
foundation for establishing a fair and just
society for mankind.

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

Visa Debit Card

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

Methods to control credit


(tools of monetary policy)
Quantitative Controls
Qualitative Controls

Quantitative Controls
Discount rate policy
Rate of interest at which a central bank provides loans
to commercial banks.

Open Market Operations


Sale and purchase of government securities in the
open money market by the central bank.

Variation in Reserve Requirement


Changing the percentage of reserve requirements of
member 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

Monetary Policy Objectives in


Pakistan
The principal objectives of monetary
policy in Pakistan is to:
Control Inflation
Maintaining price stability
Strong monetary growth
Achieving maximum employment rate

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 (Contd)


The transaction costs to buyers and
sellers are the payments that banks
and brokers receive for their roles in
these transactions.
There are also transaction costs in
buying and selling real estate.
These fees include the agent's
commission, government fees.

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 ?