kLSLN1A1ICN CN

AL 8AkAkA 8ANk AkIS1AN LIMI1LD

kLAkLD 8 M8A(SLCA)
LCVL kAI (40)
AILL1 kUMAk (04)
GnULAM SkWk (26)
MUnAMMAD SnL8A2 (SS)
Introduct|on
AI Baraka Bank (Pakiatan) Limited (ABPL) ia the reauIt of a merger between AI
Baraka IaIamic Bank Pakiatan (AIBP), the branch operationa of AI Baraka IaIamic
Bank (AIB) Bahrain and Emiratea GIobaI IaIamic Bank (Pakiatan). The merged
entity commenced operationa on November 1at 2010.
The merger, a firat in the IaIamic Banking aector in Pakiatan, poaitiona ABPL to pIay
an important roIe in further growing an induatry which haa witneaaed tremendoua
growth over the Iaat 5 yeara.
With aaaeta in exceaa of Ra. 50 biIIion; a workforce of 1400 profeaaionaIa and a
network of 89 branchea in 36 citiea and towna acroaa Pakiatan, AI Baraka Bank
(Pakiatan) Limited ia devoted in providing cuatomera with a range of 8hariah
compIiant producta to auit their banking needa.
VIsIon
We beIieve that aociety needa a fair and equitabIe financiaI ayatem which rewarda effort and
contributea to the deveIopment of the community.
The MIssIon 8tatenent
To meet the financiaI needa of communitiea acroaa the worId by conducting buaineaa ethicaIIy in
accordance with the 8haria, practicing the higheat profeaaionaI atandarda and aharing the mutuaI
benefita with the cuatomera, ataff and aharehoIdera who participate in our buaineaa aucceaa.
Coze VaIues
PARTNER8HIP - Our ahared beIiefa create atrong bonda that form the baaia of Iong
term reIationahipa with cuatomera and ataff.
DRIVEN - We have the energy and peraervance it wiII take to make an impact in our
cuatomer'a Iivea and for the greater good of the aociety.
NEIGHBOURLY - We vaIue and reapect the communitiea we aerve. Our doora are
aIwaya open; our cuatomera aIwaya experience a warm-hearted, hoapitabIe weIcome
and accommodating aervice.
PEACE OF MIND - Our cuatomera are reat aaaured that their financiaI intereata are
being managed by ua to the higheat ethicaI atandarda.
ConnItnent
AI Baraka Bank (Pakiatan) Limited and AI Baraka Banking Group are fuIIy committed to deveIop and
promote an integrated IaIamic FinanciaI 8yatem. CompIiance with the ruIea and principIea of IaIamic
8hariah ia the core of the banking and financiaI activitiea and ita phiIoaophy. AII ita banking activitiea
are very cIoaeIy reguIated by a Board of 8hariah Adviaora baaed at the Head Office in Bahrain and a
8hariah Adviaor baaed in Pakiatan, to enaure atrict compIiance with the higheat atandarda of IaIamic
Banking principIea.
8hazIas AdvIsozs
ustIce (R) KhaIId-uz-Rehnan
uatice KhaIiI-Ur-Rehman Khan ia the 8hariah Adviaor and the Chairman of the ABPL 8hariah
Committee. He ia a worId renowned IaIamic 8choIar of Pakiatan and haa heId numeroua poaitiona in
varioua boarda of preatigioua IaIamic inatitutiona
MuItI AbduIIah NajeebuI Haq 8IddIqI
Mufti AbduIIah NajeebuI Haq 8iddiqi ia the Deputy 8hariah Adviaor for ABPL. He ia aaaociated with
Dar-uI-uIoom, Karachi and haa apeciaIized in IaIamic Fiqh and Fatawa. He graduated from DaruI uIoom
Karachi aa AaIim-e-Deen and haa obtained certification in IaIamic Banking Finance and Economica
from the Centre for IaIamic Economica.
Al Baraka Bank (Pakistan) Limited oIIers a wide range oI banking products and services, Iully
complying with Shariah principles, to meet the needs oI business entities, Ialling in the Corporate
SME and Consumer categories:
Import Financing
Export Financing
Working Capital Financing
InIrastructure Financing
Project Financing
Financing oI other Business needs
All Iinancing/investment Iacilities comply with Shariah-compliant modes oI Iinancing, such as:
Murabahah ( Sale/Purchase/Trading)
Musharaka (Partnership)
Ijarah (similar to Leasing)
Istisna`aSalam
Corporate 8ank|ng
Accounts (1ypes)
A8L 8aslc 8anklng AccounL
A8L CurrenL AccounL
A8L Savlng AccounL
A8L khazana AccounL
A8L 1erm ueposlL
A8L 8uslness lus
Cn||ne 8ank|ng
ConnecLlng all our branches onllne ln realLlme
ueposlL lnLo WlLhdraw from or Check 8alances ln your accounL aL any Al 8araka 8ranch
ln any clLy from any Al 8araka branch ln any clLy as you walL!
ConvenlenL for boLh lndlvlduals and 8uslness eople
AL 8AkAkA 8ANkING GkCU (A8G)
AI Bazaka Bank (PakIstan) LInIted
AI Bazaka Bank Ltd, 8outh AIzIca
AI Bazaka Bank Lebanon, Lebanon
AI Bazaka Bank 8udan, 8udan
Banque AI Bazaka D'AIgezIe, AIgezIa
AI Bazaka Bank 8yzIa
AI Bazaka Tuzk PaztIcIpatIon Bank, Tuzkey
Bank Et-tanweeI AI 8audI AI TunIsI, TunIsIa
EgyptIan 8audI FInance Bank, Egypt
ozdan IsIanIc Bank, ozdan
The zepzesantatIve oIIIce, InodonesIa
Cred|t kat|ng
SWC1 Ana|ys|s of A8L
8tzength
Commitment to IaIamic 8haria
Experienced and QuaIified 8taff
Good PR with Cuatomer
Good ManageriaI 8kiII
ob 8atiafaction at AII LeveI
QuarterIy Performance AppraiaaI
FriendIy environment
Competent aenior management
eakness
No HR department IeveI at zonaI and branch IeveI
CentraIized deciaion making
Lack of frequent training
Lengthy recruitment proceaa
Leaa internaI recruitment for new poata
Lack of Marketing Effort
ppoztunItIes
More quaIified peopIe in the market
Effective utiIization of internaI human reaourcea
Training can enhance the empIoyee'a akiIIa
Thzeats
Increaae in Competition
Good job opportunitiea outaide
Uncertainty about future change
Other organizationa are uaing better HR techniquea
ReconnendatIon
FoIIowing recommendation may be proved aa heIpfuI to the growth of ABPL;
EmpIoyeea Training programmera muat be introduced on continuoua baaia ao that EmpIoyeea have
underatanding with the Iateat deveIopmenta eapeciaIIy with the cuatomera.
Bank ahouId introduced incentive pIana for empIoyeea on reguIar baaia ao that if empIoyeea may work
whoIe heartedIy for the weIfare of their organization. WhiIe giving incentivea quaIification, work,
experience, hard work and auch other factora muat be conaidered.
Miamanagement of reaourcea muat be avoided aa much aa poaaibIe aa it decreaaea profit but aIao
diacourage hard worker and honeat empIoyeea.
Freah graduatea muat be recruited. Aa the combination of Experienced and freah can produce better
reauIta and it wiII improve the efficiency of management
ABPL ia going towarda mobiIe banking but the probIem ia that a common cIient haa no idea of ita uaage
due to Iack of marketing. I think that a proper marketing programmer muat be Iaunched for cIient'a
awareneaa.