•

•
•
•
ACKNOWLEDGEMENT
INTRODUCTION OF THE BANK
  INTRODUCTION OF THE BANK
Ø
Ø The Bank is the result of an initiative of the First Dawood Group who teamed up
with Islamic Corporation for the Development of the Private Sector (ICD)
Ø The bank has been a profitable entity since its inception
Ø Bank officially commenced its operations on Friday, April 27, 2007 in PAKISTAN
Ø Dawood Islamic Bank Limited (DIBL), is Pakistan's sixth full-fledged Islamic
commercial bank
Ø DIBL has a strong Shariah Board headed by renowned scholar Prof. Mufti Munib –
Ur-Rehman as the bank’s Shari’ah’s Advisor
Ø DIBL currently has 50 online branches
Ø Dawood Islamic Bank Limited is the first and only AA rated Shariah Quality Bank
in Pakistan ('rated by Islamic International Rating Agency'
•
•
AWARDS & ACHIEVEMENTS
  AWARDS & ACHIEVEMENTS
•
• DIBL has won the brand of the year award for the 2009 in
Islamic Banking Category, from brand award council,
Pakistan.
• DIBL has achieved very fast growth after its inception as
compare to other Islamic banks in Pakistan
• DIBL has achieved online network of 50 branches within very
short span of time
•
•
  CREDIT RATING
•
 According to JCR -VIS
• DIBL entity rating of BBB (Triple B)for medium to long term
• A-3 (Triple-A) for short-term.
• Its outlook is stable.
 According to Islamic International Authority
• Shari’a quality rating is AA. This rating means that DIBL
conforms to very high level of standards of shari’a
requirements in all aspects of shari’a quality analysis
•
VISION & MISSION
STATEMENTS
  VISION STATEMENT
•



“Tobe the best financial services
provider of customer-centric Shariah
compliant products and services in
Pakistan”
•
•
•
VISION OF DIBL ON FUTURE BANKING WITH MICROSOFT
  MISSION STATEMENT
 To serve as a trusted provider of Islamic financial products and
services, by focusing on the following key objectives:
• Creating Riba Free, Rewarding, challenging, supporting and trusted work
environment
• Developing core competence in diversified and innovative product to meet
the growing demand of business community for shari'ah compliant
competitive products and services
• Pro-actively developing and sustaining mutually profitable long term
customer relationships and creating confidence on shari'ah compliant
products through best banking practices
• Supporting and maintaining sustainable growth for clients, shareholders,
employees and the country while meeting our financial goals
•
•
•
CORPORATE INFORMATION
  BOARD OF DIRECTORS



  BOARD OF DIRECTORS (Cont….)



  SHAREHOLDERS



 MANAGEMENT
 MANAGEMENT (Cont….)
SHARIAH BOARD MEMBERS
  SHARIAH BOARD



PRODUCTS & SERVICES
RETAIL SERVICES
PRIMARY SERVICES
VALUE ADDED SERVICES
  PRIMARY SERVICES



  VALUE ADDED SERVICES



CORPORATE SERVICES
FUND BASED PRODUCTS
TRADE FINANCE
NON FUND BASED PRODUCTS
  FUND BASED PRODUCTS



  TRADE FINANCE



  NON FUND BASED PRODUCTS



CONSUMER SERVICES
AL MUSTEQEEM CAR FINANCING
AL MUSTEQEEM HOUSE FINANCING
  CONSUMER SERVICES



FINANCIAL ANALYSIS
BALANCE SHEET
  DAWOOD ISLAMIC BANK
 BALANCE SHEET
 AS AT DECEMBER 31,2009
 31-2009 31-2008
ASSETS
CASH AND BALANCE WITH TREASURY BANKS 675,988
418,948
BALANCES WITH OTHER BANKS 577,349 255,703
DUE FROM FINANCIAL INSTITUTION 2,856,052 250,040
INVESTMENTS 2,861,751 2,045,146
FINANCING 4,763,622 5,639,877
OPERATING FIXED ASSETS 600,626 417,364
DEFRRED TAX ASSETS 106,269 -
OTHER ASSETS 624,251 539,632


ASSETS TOTAL
 13,065,908 9,566,710

 31-2009 31-2008
LIABILITIES
BILLS PAYABALE 58,263 20,138
FINANCIAL INSTITUTION 1,094,375 50,70
DEPOSITS AND OTHER ACCOUNTS 6,784,750 5,063,393
DEFRRED TAX LIABILITIES ----- 8,612
OTHER LIABILITIES 286,746 349,053


LIABILITIES TOTAL
 8,224,128 5,491,900


NET ASSETS

4,841,780 4,074,810



 31-2009 31-2008
REPRESENTED BY
SHARE CAPITAL 5,010,458 4,001,333
RESERVES 16,751 16,751
UNAPPROPRIATED(LOSS) / PROFIT (225,620) 67,007


SURPLUS / (DEFICIT)
 ON REVALUATION OF FIXED ASSETS 40,191
(10,281)


TOTAL

4,841,780 4,074,810



SWOT ANALYSIS HISTORY
  HISTORY OF SWOT ANALYSIS
•
• SWOT Analysis is a strategic planning tool used to
understand the Strengths, Weaknesses, Opportunities, and
Threats involved in a project or in a business
•
• It involves specifying the objective of the business or
project and identifying the internal and external factors
that are supportive or unfavorable to achieving that
objective
•
• This technique is credited to ALBERT HUMPHREY

SWOT ANALYSIS OF DAWOOD
BANK
 STRENGHTS
 WEAKNESSES
  OPPORTUNITIES


 Islam is fastest growing religion in the world,

Traditional interest based banking losing its value,
New markets have been emerged in non Islamic
regions.

 THREATS
PEST ANALYSIS OF DAWOOD
BANK
 PEST ANALYSIS
 POLITICAL FACTORS
 ECONOMIC FACTORS
 SOCIAL FACTORS
 TECHNOLOGICAL FACTORS
SUGGESTIONS FOR
IMPROVEMENTS
 SUGGESTIONS
CONCLUSION
  CONCLUSION


 DIBL is an emerging bank, backed by the strong investment

companies It excels in the market with evenly distributed network of
branches, but still it should open more branches. By analyzing the
financial statements of the bank, I came across to know that it is one
of the most growing banks in the subcontinent. Now they should
carry on with the present management which too k it from one of the
ordinary bank to this level. No doubt professionalism and internal
controls of the bank are one of the major issues which may results
some major losses to the bank. Bias in hiring and between
colleagues should be removed. By keeping any eye on its
weaknesses and by reducing those, it would be the best bank in sub
continent.
SAWAL PUCHAIN JI