FBL Fianl Int

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Introduction
Company Faysal Bank Limited

Profile:
Exchanges: KAR
2007 Sales: 14,971,000,000
Major Industry: Financial
Sub Industry: Commercial Banks
Country: PAKISTAN
Employees: 1394
Faysal Bank Limited
Faysal Bank started operations in Pakistan in 1987, first as a branch set-up of Faysal
Islamic Bank of Bahrain and then in 1995 as a locally incorporated Pakistani bank under
the present name of Faysal Bank Limited. On January 1, 2002, Al Faysal Investment
Bank Limited, another group entity in Pakistan, merged into Faysal Bank Limited which
resulted in a larger, stronger and much more versatile institution. In fact it has the highest
share capital amongst private banks in Pakistan and is amongst the largest in terms of
equity.
Faysal Bank Limited is a full service banking institution offering consumer, corporate
and investment banking facilities to its customers. The Bank’s widespread and growing
network of branches in the four provinces of the country and Azad Kashmir, together
with its corporate offices in major cities, provides efficient services in an effective
manner.
The Islamia University Of BWP RahimYar

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The majority share holding of Faysal Bank Limited is held by Ithmaar Bank B.S.C an
investment bank listed in Bahrain.
Ithmaar Bank B.S.C. is licensed by the Central Bank of Bahrain and listed on the
Bahrain Stock Exchange (ITHMR). It has a paid-up capital of US$360 million, total
equity of US$1.1 billion and is a full investment bank with its direct business covering
the Middle East and North Africa (MENA) region, as well as South Asia, Asia-Pacific
and Europe. Besides holding significant investments in the banking, financial services
and real estate sectors in different markets, the main activities of the Bank include
underwriting (equity and other financings), private equity (structuring, participation and
portfolio management), Islamic financing, private banking, and advisory services
covering project financing, investments, capital markets and mergers & acquisitions.
The Group's principal activity is to provide commercial banking services through its
subsidiaries. The banking services include corporate banking, consumer banking, branch
banking, trade finance and investment banking services. The operations of the Group are
conducted through 109 branch offices.
Faysal Bank Limited (the Bank) is engaged in commercial, consumer and

investment banking activities.
The Bank operates in four segments:

• Corporate finance
• Trading and sales
• Retail banking and
• Commercial banking.

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Corporate finance segment includes investment banking activities, such as merger and
acquisitions, underwriting, privatization, securitization, initial public offers (IPOs) and
secondary private placements.
Trading and sales segment undertakes the Bank’s treasury, money market and capital
market activities.
Retail banking provides services to small borrowers, such as consumers, small and
medium enterprises (SMEs) and borrowers’ agriculture sector. It includes loans,
deposits, other transactions and balances with retail customers.
Commercial banking includes loans deposits, other transactions and balances with
corporate customers. During the year ended December 31, 2007, the Bank had a branch
network of 105 branches and operates five service centers.
Credit Rating
Faysal Bank is rated "AA" (Double A) for the Medium to Long Term and "A-1+ " (A
One Plus) for the short term by JCR-VIS and PACRA. Following is the interpretation of
the ratings assigned:
Medium to Long Term: "AA" (Double A)
High credit quality. Protection factors are strong. Risk is modest but may vary slightly
from time to time because of economic conditions.
Short Term: "A-1+" (A-One Plus)

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Highest certainty of timely payment. Short-term liquidity, including internal operating

factors and / or access to alternative sources of funds, is outstanding and safety is just
below risk free Government of Pakistan's short-term obligations.
OUR VISION
To be the bank of first choice with the highest ethical

principles as our guiding force.
06

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OUR MISSION
To excel in providing innovative, value-based banking solutions

to meet the changing needs of customers and further strengthen
our image of trust and reliability.

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OUR VALUES
Integrity
We will hold fast to the highest standards of ethical conduct to meet our commitments to
our customers, employees and shareholders. Above all, we will hold true to our personal
commitment and conviction to the truth.
Corporate Governance
Our goal is to respond to a rapidly changing business environment in a timely manner, to

improve corporate citizenship and transparency by reinforcing our ethical standards and
building a relationship of trust with customers and stakeholders.
Corporate Social Responsibility
We believe that the highest standards of engagement must not be only with our
stakeholders, employees or customers but also within the community in which we work
and live. We abide by the laws of Pakistan in which we do business, we strive to be a
good corporate citizen and take full responsibility of all our actions.
Responsible Communication
We commit to creating a dignified workplace based on honest, open and respectful

communication. We first listen with the intent to understand and then communicate
ideas, results and information forthrightly.

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Excellence
We are committed to the highest level of personal & professional excellence and operate
with a goal of continuous improvement.
Teamwork
As a team, we play to win from the smallest unit to the enterprise as a whole. We
achieve far more as a team than as individuals.
Respect
We appreciate our diversity and believe that respect – for our employees, customers,
stakeholders, and all those with whom we interact– is an essential element of all
positive and productive business relationships. We treat everyone as we wish to be
treated, with dignity and respect.
Quality Service
The ‘moment of truth’ is impacted through every employee’s interaction. The essence of
quality service is embodied through every interaction that we have, within ourselves and
with our customers.

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Board of Directors
Syed Naseem Ahmad Chairman
President & Chief Executive

Naved A. Khan
Officer
Graham Roderick Walker Director
Mohammad A.R. Hussain Director
Mohammad A. Rahman Bucheerei Director
Farooq Rahmatullah Director
Tariq Iqbal Khan Director
Shahid Ahmad Director

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BRANCH NETWORK
Sno Branch PABX Fax Services
1 Bahawalpur Branch92-62-2730691-94 92-62-2730695
2 - Rehman Society, Noor Mahal Road,
2 Jehlum Dina Branch92-54-4636828-32

1880 Al-Bilal Plaza, GT Road, DinaDistrict
Jehlum.,
3 Jehlum Branch+92-544-624901, +92-544-626948

225/226, Kohinoor Bank Square, 622153
4 Faisalabad Civil Lines Branch92-041-2644481-84 92-41-2644486

Bilal Road, Civil Lines, Faisalabad. 111-747-747
5 Faisalabad Liaquat Road Branch92-041-2617403-08, 92-41-2627809

3-Liaquat Road, Faisalabad 627808
6 Faisalabad Ghulam Muhammad Abad92-041-2691262, 92-41-2692814

39-B, Usman Plaza, Sadar Bazar Ghulam2699162
Muhammad Abad, Faisalabad.
7 Faisalabad D-Ground Branch92-041-8730403, 92-41-8732196

447-D, Peoples Colony, Faisalabad 8730443
8 Gujar Khan Branch92-051-3514968, 051-92-51-3514613

B-111-215-D, Ward No.5, Main G.T. Road,3514996
Gujar Khan.
9 Gujar Khan Branch0513-512403-5 0513-512409

Railway Road, Gujar Khan
10 Gujranwala Branch92-55-3730301-3 92-55-3730304

Zia Plaza, G.T. Road, Gujranwala.
11 Gujrat Branch92-53-3536781-4 92-53-3524185

Noble Furniture Plaza, G.T. Road, Gujrat
12 Islamabad Jinnah Avenue Branch92-51-2275096-99 92-51-2275095

15-West, Jinnah Avenue,
13 Islammbad F-10 Markaz Branch92-51-2104456-57 92-51-2104459

2-G, Capital Business Centre, F-10 Markaz,
Islamabad
14 Islamabad F-7 Markaz Branch92-051-2652386, 92-051-2652665

Shop No.1, Plot 12-D,Jinnah Super Market,F-72652591
Markaz, Islamabad.
15 Islamabad I-10 Markaz Branch92-51-4102105-8 92-51-4102117

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3-G, Munawar Plaza, Markaz I-10, Islamabad
16 Islamabad F-11 Markaz Branch92-51-2228141-4 92-51-2228145

Plot No. 14, F-11 Markaz, Sector F-11,
Islamabad.
17 Islamabad F-8 Branch92-51-2817256 92-51-2817263

13 Rawal Arcade , Markaz F-8, Islamabad
18 Jhang Branch92-047-7650650, 92-47-7629545

P-10/1/A, Katcheryi Road,Near Session7626590
Chowk, Saddar, Jhang.
19 Lahore Thokar Niaz Baig Branch92-42-5304392 92-42-5314016

Jamal Market, Ali Town, Opp.Lahore
University,Thokar Niaz Baig, Raiwind Road
20 Lahore Shah Alam Market Branch92-042-7675503-04, 92-42-7675504

41 - Alamgir Market,Main Shah Alam Market,7675619
Lahore.
21 Lahore Bedian Road Branch92-42-5720254 92-42-5740237

Bedian Road, Near DHA Phase VI, Lahore
Cantt.
22 Lahore Urdu Bazar92-42-7314616-20 92-42-7314629

S-38, R-205-A, Cattle Street,Circular Road,
Urdu Bazar, Lahore
23 Lahore Johar Town92-42-5301392-93 92-42-5301393

435-G-I, Johar Town, Lahore
24 Lahore Shahdara Branch92-42-7902501-508

G.T.Road, Shahdara, Lahore.
25 Lahore Ichra Branch92-42-7569934-35 92-42-7580488

172, Ferozpur Road, Ichra, Lahore.
26 Lahore Walton Cantt, Branch92-42-8550192- 92-42-6604308

36-Jinnah Plaza, Main Boulevard Defence8550109
Link DHA Road, Walton Cantt. Lahore
27 Lahore Liberty Market Branch92-42-5752108-9, 92-42-5750366

37-E, III Saeed Alam Tower, Liberty Market,5753425
Gulberg III, Lahore.
28 Lahore Mall Branch92-042-7314051-54, 92-42-7236018

43,Shahrah-e-Quaid-e-Azam, Lahore. 111-747-747
29 Lahore Gulberg Branch92-042-5755190-94, 92-042-5755196,

95, B-II, M.M. Alam Road, Gulberg-III, Lahore. 5712748 5763406
30 Lahore Defence Branch92-42-5897712-17 92-042-5897720,

136/1, Block-H, Commercial Area Phase-I, 5899794

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DHA, Lahore Cantt.
31 Lahore Garden Town Branch92-42-5889810-24 92-42-5889675

4-Aibak Block, Garden Town, Lahore.
32 Lahore Circular Road Branch92-42-7673001-6 92-42-7673007

Babar Center, 51, Circular Road, Lahore.
33 Lahore Shalimar Gardens Branch92-042-6844712-14, 92-42-6844744

Chowk Shalimar Bagh, Baghbanpura,Lahore. 6844741-43
34 Lahore Z-Block, DHA, Branch92-42-5743741-43 92-42-5743745

Z-10, Street no. 10, Phase III, Lahore Cantt.
35 Lahore Allama Iqbal Town Branch92-42-5437006-10 92-42-4537005

18-Hunza Block, Main Road, Allama Iqbal
Town, Lahore
36 Lahore Main Boulevard, Gulberg Branch92-42-5872811-14 92-42-5872815

59-A, Main Boulevard, Gulberg, Lahore.
37 Lahore Model Town Branch92-42-5884705-7 92-42-5854816

13-Bank Square Market, Model Town, Lahore.
38 Lahore Badami Bagh Branch92-42-7705536-43 92-42-7705551

1-Taj Chambers, Badami Bagh, Lahore.
39 Lahore Faisal Town Branch92-42-5201992-7 92-42-5201998

25-D, Main Boulevard, Faisal Town, Lahore
40 Lahore Qartaba Chowk Branch92-42-7574680-82 92-42-7574662

3 Ferozpur Road, Muzang Chungi, Lahore
41 Lahore Mcleod Road Branch92-42-6370024, 92-42-6370041

Usman Plaza, Opposite: Lahore Hotel 6370041
42 Lahore Upper Mall Branch92-042-5715393-95 92-42-5710187

309-A Upper Mall, Lahore.
43 Lahore Shadman Branch92-42-7599242 92-42-7599363

11 - A, Shadman 1, Jail Road, Lahore
44 Lahore Mughalpura Branch92-042-6352177-86

3/15 Jahangir Road, Lal Pul, Near AFC
45 Lahore Ghazi Chowk92-042-5212250-59

8-A, Awaisia Cooperative Housing Society,
Ghazi Chowk, Link College Road
46 Lahore Choburji Branch92-042-7568229, 92-042-7568226

50, Choburji Branch Lahore 7568223
47 New Airport Road Branch92-42-5745791,

Adjoining Divine Mega-II Plaza, New Airport5730877

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Road, Cantt
48 Mirpur Branch92-58610-45100-3 92-58610-43601

Mian Muhammad Road, Opposite Quaid-e-
Azam Stadium,Mirpur Azad Kashmir
49 Multan Qaddafi Chowk92-61-6784276-81 92-61-6784271

709-Qaddafi Chowk, Khanewal Road, Near
Daewoo Terminal, Multan
50 Multan Bosan Road Branch92-61-6214902-13 92-61-6214900

I/A-2, Officers Colony, Bosan Road, Multan
51 Multan Old Bahawalpur Road Branch92-61-4784491-94 92-61-4784490

129/1, Old Bahawalpur Road, Multan.
52 Okara Branch92-44-2551773 92-44-2551774

Mandi Road
53 Peshawar Cantt. Branch92-91-5270176-78 92-91-5270631

Cantonment Plaza, Supermarket,Saddar
Road, Peshawar.
54 Peshawar Hayatabad Branch92-091-5818379, 92-91-5811488

S.S./ Royal Plaza, Jamrud RoadHayatabad,5812049
Peshawar.
55 Peshawar City Branch92-091-2593827, 92-91-2591817

Tariq Market, New Rampura Gate, Ashraf2591876
Road, Peshawar City
56 Peshawar University Road Branch92-91-5711401-6,

4652-4670, Omer Plaza,5711409
Jahangirabad,University Road, Peshawar.
57 Peshawar Khyber Bazar Branch92-91-2219860 92-91-2220471-3

417-D, outside Bajori Gate,(Shoba Chowk)
Khyber Bazar,Peshawar.
58 Quetta Branch92-81-2836451-2 92-81-2824834

Shahrah-e-Adalat, Quetta
59 Quetta Fatima Jinnah Road Branch92-81-2824807- 92-81-2824834

Yousuf Center, Fatima Jinnah Road, Quetta 2824973
60 Rahimyar Khan Branch92-68-5889413-15 92-68-5889420

27- Town Hall opp. City Park
61 Sadiqabad Branch+92-68-5702440
Allama Iqbal Road, Sadiqabad District, Rahim
Yar Khan

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62 Rawalpindi Sadiqabad Branch

72 - C, Satellite Town, Sadiqabad Road,
Rawalpindi.
63 Rawalpindi Haider Road Branch92-51-5701018-22 92-51-5525879

32, Haider Road, Rawalpindi.
64 Rawalpindi Satellite Town Branch92-51-4424969-72 92-51-4424962

City Shopping Centre, 5th Road, Satellite
Town, Rawalpindi
65 Rawalpindi Rajabazar Branch92-51-5530661 92-51-5530671

1-U, Iqbal Road, Fawwara Chowk,Rajabazar,
Rawalpindi.
66 Rawalpindi Westridge Branch92-51-5468734-36 92-51-5468737

RV Arcade, 1193-1196,Peshawar Road,
Rawalpindi
67 Sargodha Branch92-48-9230793-4 92-48-9230792

University Road, Sargodha.
68 Sialkot Branch92-432-292501-3 92-432-292444

Plot No.B1-16S-98B, 17-Paras Road, Opp.
CC&I, Sialkot
69 Vehari Branch92-067-3366401, 92-67-3366402

47-A, Karkhana Bazar, Vehari. 3366491
70 Karachi Main Branch92-21-2795200, 111-92-21-2795234

Faysal House, ST-2, Sharea Faisal 747-747
71 Karachi I. I. Chundrigar Road Branch92-21-2638011-20 92-21-2637975

11/13 Trade Centre
72 Karachi Clifton Branch92-21-5863771-73 92-21-5863774-75

Quality Heights, K.D.A. Scheme No. 5, Clifton
73 Karachi Gulshan Branch92-21-4994261-63 92-21-4994260

B-35, Block 13-A, Main UNiversity Road,
Gulshan-e-Iqbal
74 Karachi Jodia Bazar Branch92-021-2443795, 92-21-2444107

G-2, Plot No.MR-6/52/1, Ismail Trade Centre,2444073
Ram Bharti Street, Jodia Bazar
75 Karachi Defence Branch92-21-5856053-54 92-021-5857761,

23-C, Phase-VI, Khayaban-e-Shahbaz, 5845490
Defence Housing Authority
76 Karachi Shaheed-e-Millat Road Branch92-21-4388103-7 92-021-4385547,

Iqbal Arcade, Plot # 6, 3/7 D.M.C. Society, 4388105

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Shaheed-e-Millat Road
77 Karachi North Nazimabad Branch92-21-6625517-18 92-021-6625578,

Plot No. D-6, Block-D, KDA Scheme No.2, 6670090
North Nazimabad
78 Karachi Shahrah-e-Faisal Branch92-21-4315634-36 92-021-4315638,

Business Avenue Center, Block No.6, 4389437
P.E.C.H.S
79 Karachi Cloth Market Branch92-021-2439021-22, 92-21-2432408

BR-2, 1/1, Bander Quarters, New Neham2435923
Road, Kharadar
80 Karachi S.I.T.E. Branch92-021-2585921-23, 92-21-2585337

Plot No. B-17, Estate Avenue, S.I.T.E. 2855918
81 Karachi Mohammad Ali Society Branch92-21-4390511-13 92-21-4390515

Plot No.2-F (Commercial), M.A.C.H.S.
82 Karachi Korangi Road Branch92-021-5390541-42, 92-21-5805651

Speedy Towers, 129/I & II, Main Korangi5391345-47
Road, Phase-I, DHA
83 Karachi New Challi Branch92-21-2214903-5 92-21-2214907

Abid Chamber, Plot No. SR.6/9, Shahrah-e-
Liaquat
84 North Karachi Industrial Area Branch92-021-6957155, 92-21-6924238

SA-2 (ST 1/1) Sector 12-B, North Karachi6958033
Industrial Area, North Karachi Township
85 Karachi Gulshan Chowrangi Branch92-021-4815319, 92-21-4815308

Shop No.1-4, Ground Floor, Sana Arcade, Plot4815308
No.ZC-6, Block No.7, Gulshan-e-Iqbal, KDA
Scheme 24
86 Karachi Korangi Industrial Area Branch92-21-5077191-5 92-21-5077196

Plot No.51 / 9, Sector 15, Main Road, Korangi
Industrial Area
87 Karachi Timber Market Branch92-21-2745889-95 92-21-2745901

Plot # 6/2 Old Haji Camp, Siddiq Wahab Road,
Lee Quarters
88 Karachi Clifton Block II Branch92-21-5877921-23 92-21-5877925

B-3 & B-4, Plot No. FLI, Block II, Clifton
89 Karachi Khayaban-e-Mujahid Branch92-21-5349109-13 92-21-5349114

43-C, Stadium Lane 2, Khayaban-e-Mujahid,
D.H.A. Phase 5

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90 Karachi Gulistan-e-Jauhar Branch92-21-4026856-57 92-21-4026858

Shop # 29 & 30, Rufi Lake Drive, Block 18,
K.D.A. Scheme No. 36, Gulistan-e-Jauhar
91 Karachi D.H.A. Phase IV Branch92-21-5802422 92-21-5802426

14-C, Sunset Commercial Street No.2, Phase
IV, D.H.A.
92 Karachi Khayaban-e-Tanzeem Branch92-021-5877908-10 92-21-5877847

14-C, Khayaban-e-Tanzeem, Tauheed
Commercial, DHA Phase V
93 Karachi Dhoraji Branch92-21-4860851-3 92-21-4860856

Shop no. 4, Lubna Plaza, Plot no. 448, C.P
Berar Co-Operative Housing Society, Dhoraji
94 Karachi Nazimabad Branch92-21-6707418-24 92-21-6707425

Plot No. 16, Row No.1, Sub Block A, Block-III,
(III-A, 1/16), Nazimabad
95 Karachi Saba Avenue92-21-5245376-9, 92-21-5348929

Shop No. 2 & 3, Ground Floor, Plot No. 36-C,5243985
Badar Commercial Street, Street No.6, Phase-
V Extension, DHA
96 Karachi Khalid Bin Waleed Road Branch92-21-4302245-51 92-21-4302252

Plot No 89-B, Block-2, P.E.C.H.S
97 Karachi Saddar Branch92-21-5621501-02

Shop No. 10 & 11, Ground Floor, Madina
Centre, Plot Survey No. 31/2, Survey Sheet
No.SB-5, Saddar Bazzar Quarters, Karachi
98 Karachi Korangi No.2 Branch92-21-5071758-60 92-21-5071128

Q-14, Ground Floor, Sector 33-1, Korangi
No.2, Korangi Township, Karachi
99 Karachi Gulshan Block 2 Branch92-21-4972673- 92-21-4972416

A-287, Ground Floor, Block 2, KDA Scheme4972721
No.24, Gulshan-e-Iqbal, Karachi
100 Karachi Phase 8 Branch92-21-5246014 -16 92-21-5246013

43-C, Al Murtaza Commercial Lane # 4, Phase
VIII, Karachi
101 Karachi Apwa Complex Garden Branch

Shop No. SAO 5, Ground Floor, APWA
Complex, Plot No 67-AC, Garden Road
Karachi
102 Kharian Branch92-537-536068-70 92-537-536066

Rizwan Plaza, G.T. Road, Kharian.

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103 Hyderabad Branch92-222-2728356-59 92-222-2728360

Plot No.339, Main Bohra Bazar,
104 Mingora Branch92-946-720001-3 92-946-720004

1st Floor, Abasin Plaza, Green Chowk
105 Dera Ghazi Khan Branch92-642-468769-72 92-642-468775

342, Jampur Road, Dera Ghazi Khan
106 Burewala Branch92-67-3359331-334

95-C, Multan Road, Burewala
107 Sahiwal Branch92-040-4224060-61 92-040-4224015

Sarwar Shaheed Road, Sahiwal
108 Mandi Bahauddin Branch92-0546-600721-23 92-0546-600385

Furniture Point, Railway Road
109 Abbotabad Branch0992-385919-20 0992-385921

Main Mansehra Road, Abbotabad
FAYSAL BANK LIMITED

RAHIM YAR KHAN BRANCH

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Faysal Bank Limited, an Ithmaar Bank's subsidiary, has a vast network of branches all
over the country. Luckily one of the branches is in Rahim Yar khan at the opposite side
of Town Hall (RYK). Bank’s building also fascinates the people. FBL is trying its best to
serve its customers in efficient and effective ways.
This branch is Working under the Experienced and Kind hands of Mr. Mian
Muhammad Amjad (Branch Manager) and Mr. Siddi Sami Ahmed Khan (Operations
Manager). They are very hardworking and friendly to subordinates. That’s why all the
staff is very efficient and self motivated. Coordination among all people is at highest
level. For better communication a complete system of intercom is also installed within
the bank.
By On line Banking and their products FBL rahim yar khan branch is facilitating its
customers in a better way. ATM facility is free here. WESTERN union service is also
available. To conclude that, during all tenure of my internship I found very good
functioning and environment of the bank.

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PRODUCTS and SERVICES

We are a progressive bank striving to offer innovative products, easy accessibility,
quality service & convenience to our customers. We offer customized financing
solutions with flexible criteria and convenient loan tenures. You can avail car, home and
personal loans through our various branches. We also offer a host of Corporate &
Investment Banking Services to our clients, which include financial and corporate
advisory services, along with a wide array of tools to help them achieve their goals.
Deposit Accounts
Basic Banking Account
Faysal Bank has introduced the Basic Banking Account (BBA) to cater the needs of low
income groups having the following features.
Features:
• Account can be opened with Rs. 1000/.

• No requirement for maintaining a minimum balance
• Maximum of two free deposits and withdrawals are allowed in a month.
• Free of charge statement of account for customers once a year. In case more
statements are required than standard charges would be applicable.
• Free ATM transactions on Faysal Bank ATM machines. However charges would
apply on non Faysal Bank ATM machines as per SOC.
Note: Dormant accounts with nil balance for 6 months to be closed as per procedure

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Faysal Sahulat (Pak Rupee Current Account)
Faysal Sahulat is a transactional account specially designed for individuals or business

customers who want instant access to their funds with no restrictions on the number of
transaction.
Features:
• Account can be opened with an initial deposit of Rs. 5,000.

• Unlimited transaction facilities.
• On maintaining an average balance of Rs. 300,000 following additional facilities
are provided.
1. Unlimited cash deposit facility
2. One small locker and one ATM free.
3. 365 Pay orders, 365 Demand Drafts, 365 cheque leaves per year free.
• Access to account through on-line banking at all Faysal Bank branches across
Pakistan.
SAVING ACCOUNT:
1-Faysal Moavin Savings Account
Faysal Moavin is a Savings account made for genuine individual savers like you. Faysal
Moavin offers the perfect combination of savings account matched with the flexibility of
a current account.

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Features:
• No minimum balance requirement.

• No restriction on the number of transactions.
• Profit is calculated on monthly average balance.
• Profit payment on monthly basis.
• Tiered profit structure providing an incentive to save more.
• Access to account through on-line banking at all Faysal Bank branches across the
country.
• Easy access through cheque book an ATM/Debit card. The ATM/Debit card can
be used at over 2000 ATMs in the country.
Note: Zakat and Govt. taxes are applicable as per law
2-Faysal Premium:
Faysal Premium is a savings account specially designed for high value deposits with
attractive profit rates having the following features.
Features:
• Account can be opened with an initial deposit of Rs. 5 million

Pakistan.

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3-Faysal Savings
Faysal Savings is specially designed to cater to your hard earned savings.
Features:
• Account can be opened with an initial deposit of Rs. 10,000/.

• No restriction on the number of transactions.
• Profit payment on six monthly bases.
Pakistan.
Faysal Izafa (TERM DEPOSIT)
At Faysal Bank we realize that every customer’s financial needs are different. As a
result, the Faysal Izafa Term Deposit is designed to provide individuals and corporate
customers an opportunity to grow their money securely and earn attractive profits.
Features:
• Account can be opened with an investment as low as Rs. 25,000/.

• Tenure from one year to five years.
• Annual and monthly profit option available.
• Financing facility of up to 90% of invested amount.
• First cheque book free on investment of Rs. 300,000/ or more.

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Faysal Mahfooz Sarmaya
Faysal Bank endeavors to build and strengthen customer relationships by providing

innovative banking products and services. To provide convenience and value to
customers with foreign currency related needs, Faysal Bank’s Mahfooz Sarmaya foreign
currency account offers attractive features:
Features:
• Account can be opened in three major international currencies: US Dollars,

Pound Sterling and Euro.
• Minimum balance for opening Mahfooz Sarmaya Foreign Currency Account is
1000 units of the currency in which the account is opened.
• Account can be opened in any of the following types:
o Savings Account
o Term Deposit Account
o Current Account
• With Mahfooz Sarmaya Account, you become eligible for Pak Rupee financing
facility of up to 75 percent of the deposit in your account at very competitive
financing rate.
• With Mahfooz Sarmaya Account, you automatically qualify for special rates for
car and home financing
FCY Saving Plus
FCY Saving Plus is a new foreign currency savings account with attractive profit rates
where customers get their profit on a monthly basis.

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Features:
• Account can be opened in US Dollars, Pound Sterling and Euro currency.

• Minimum balance for opening FCY Saving Plus is 500 units of the currency.
• Profit is disbursed on monthly basis.
• No FCY cash deposit charges*
• On maintaining the monthly average balance equivalent to USD 50k or above,
the following additional facilities are provided.
o Free online banking*
o Priority Banking*
o Borrowing in PKR upto 90% of FCY*
o Preferential rates on consumer finance*
Rozana Munafa Plus
To provide the best possible returns for individual, corporate and business customers, the
Rozana Munafa Plus Account offers you the opportunity to earn profit every day and get
your profit every month.
Features:
• Account can be opened with an initial deposit of Rs. 100,000/ for individuals and
Rs. 500,000/ for corporate customers.

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Pakistan.
Other products which are offered are as follows:
Corporate & Investment Banking
• Corporate Financing
• SME Finance
• Trade Financing
• Treasury & Capital Markets
• Investment Banking
• Agricultural Financing
• Cash Management
Consumer Loans
• Car Finance
• House Finance
• Faysal Finance

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Services
Pocket Mate Visa Debit Card
Combining the wide acceptability of a credit card and the thoughtful prudence of an
ATM card, Faysal Bank PocketMate is the most convenient way to carry cash. No more
fear of overspending. No more searching for the nearest ATM. PocketMate Visa Debit
Card provides you with the freedom of world wide acceptability at over 27 million
merchant outlets as an ATM card operative at all ATMs in Pakistan plus at over 1 Million
ATMs worldwide bearing VISA logo.
Travellers Cheques
You may purchase American Express, US Dollar and Pound Sterling Travelers Cheques
at selected branches of Faysal Bank.
Transfer of Funds
You can deposit and withdraw cash from any branch of Faysal Bank, regardless of which
branch your account is in. You need only to carry your chequebook!

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Western Union Service:

Customers who receive money transfers from overseas through the Western Union
service can now withdraw their funds through any Faysal Bank branch
Safe Deposit Lockers

At Faysal Bank, we offer our customers Safe Deposit Lockers in a pleasant and secure
environment. All lockers are discretely placed within the Bank’s professionally guarded
premises. Lockers are available in three different sizes to suit individual customer needs
at reasonable rentals. Faysal Bank also offers an added insurance feature with locker
Non-stop Banking
All branches of Faysal Bank remain open for business from 9 a.m. to 5 p.m. from
Monday to Thursday and Saturday. On Friday, the bank is open from 9 a.m. to 12.30
p.m. and then again from 3 p.m. to 5 p.m. To suit your needs, we have extended our
banking hours on Saturdays. Now you can enjoy our consistent and quality service from
9 a.m. to 5 p.m.

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VARIOUS DEPARTMANTS OF FAYSAL BANK

LIMITED
1. Customer Service Department

2. Remittances and Lockers
3. Cash Department
4. Human Resource Management Department
5. Agricultural Department
6. Credit Administration Department
7. Faysal Financing Department
8. House Financing Department
9. Auto Financing Department

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CUSTOMER SERVICES DEPARTMENT

In Faysal bank limited RYK branch most of the operations of the bank are handled by
the CS department.
And Operations of FBL are handled by very efficient personnel of FBL which
includes:
1. Siddi Sami Ahmad Khan

2. Syed Rizwan Ali
3. Sumaila Qadir Abbasi
4. Nadia Mehmood
5. Waseem Abbas
Various functions of CS department are as follows:
1. Account opening
2. Deposit slips
3. Issuance of cheque books
4. Issuance of ATM cards
5. Pay Orders
6. Demand Draft
7. Call Deposit
8. Clearing
1-Formalities of Account opening process:

There are three types of accounts which you can open in the bank:
• Current account
• Profit & loss saving account
• Term deposit
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When a client comes to open an account, authorized person of CS is required to inquire

about that what type of account customer wants to open.
After that customer is required to tell about that what should be the nature of his/her
account.
Nature of account can be:
• Individual
• Joint
• Sole proprietorship
• Public limited company
• Private limited company
• Partnership
• Trust
Then some information about customer is required on the customer relationship form
(CRF).
Initial deposit for opening a Current account is Rs.5000 and for PLS saving account is
Rs.10000.
On CRF three customer’s signatures are required.

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Other attachments with CRF:
• Cheque Book Application

• Know Your Customer (KYC) Profile
• Verification of client by NADRA verification
• Letter of Thanks
• ATM application (where it is requested)
For Individual Account/Proprietorship
• Copy of service card or any other proof of employment

• Copy of CNIC
• Power of Attorney
• Declaration of proprietorship
For Partnership account
• Certified copy of Partnership Deed

• CNIC copy of partners
• Partnership mandate
• Attested copy of registration certificate with registrar of firms
• Original authority letter of partners favoring persons authorized to operate the
account
Limited company

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• Copy of certificate of incorporation

• Memorandum & articles of Association
• List of directors on prescribed format
• Certificate of commencement of business (if required)
• Copy of CNIC of Directors
• Latest copy of form A-29
• Power of Attorney or mandate (if required)
• Copy of board Resolution
2-Deposit slips
For online deposits by the clients deposit slips are also filled in the CS department.
3-Issuance of cheque books

Firstly Application for cheque book is to be filled and signed by the client. Number of
Leaves of cheque book is recommended by the client. After forwarding the application,
within a week, a client can get his/her cheque book.
4- Issuance of ATM cards

If a client wants to get an ATM card his application is entertained in the CS department.
5-Pay Orders
Clients come to get pay orders to make payment within the city. If a client has his
account in the FBL then he is charged Rs. 75 for one Pay Order.
6-Demand Draft
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Clients come to CS department to get demand drafts to make payments outside the city
but in FBL demand draft is not so common. The reason behind this is that the Pay Order
of the FBL is Payable at any branch of FBL so Pay Order itself fulfills the purpose of
Demand Draft.
7-Call Deposits
These deposits are made by the contractors. And these are also handled in the CS
department.
8-Clearings
There are two types of Clearing:
1. Inward Clearing
2. Outward Clearing
• Inward Clearing
In inward clearing cheques of FBL are presented in any other bank.
• Outward Clearing
In Outward Clearing cheques of other banks are presented in FBL.

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WESTERN UNION
Western union is basically an institute for funds transfer. Some banks arte providing this
service on the behalf of western union and western union pays for this to these banks.
But most of the banks are providing Western Union service only for receiving funds.
Same is the case with Faysal Bank limited.
• You can get this service in FBL without opening an account.
• Not any charges are deducted for providing this service.
Procedure and Requirements:
• A form is given to the customer.

• On the form MTCN number is required.
• Receiver’s name and sender’s name is verified.
• Sender’s identification is also required.
• After filling of form verification is made through the system.
• Then voucher is made by feeding the data. One copy is with cashier and the other
copy is with the client.
FBL LOCKERS
Basically there are four types of Lockers
• Small
• Medium
• Large

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• Extra large
But rahim yar khan branch of FBL is providing only first three types.
Charges for various Lockers:
For Small Locker-----------Rs.1200 per annum

For Medium Locker--------Rs.1750 per annum
For Large Locker-----------Rs.3500 per annum
Despite these annual charges client pays non refundable fee of Rs. 1500 for availing
locker service in FBL.
Formalities:
A SS card (signature Specimen card) is also required to be filled.
Another form is also to be filled on which client’s signature and other authorized person
(mentioned by the client himself) on the client’s locker is also mentioned.
Insurance for Lockers:
Range of insurance for various lockers is as followed:
For Small Locker-----------Rs.500000

For Medium Locker--------Rs.800000
For Large Locker-----------Rs.1000000

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CASH DEPARTMENT:
Personnel responsible for functioning of this department:

• Irfan Bashir
• Ghulam Asghar
• Javed Iqbal
Functions of cash department:

There are basically three functions of the cash department as described below:
• Receipt
• Payment
• Utility bills collection
Cash types:
There are 7 types of notes in Pakistan. Bank considers some precautions before receiving
these notes. These are as followed:
Sorted cash
Unsorted cash
Soiled cash
Formalities to be considered before receiving cheques:

• Cheque should not be crossed.
• Name of the Payee is checked.
• Validity of the cheque is also considered.
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• If bearer is cut then it will be considered as Order Cheque. In this case payee’s
verification is made by getting a copy of his ID card.
• Amount on the cheque is checked both in the form of words and figures.
• Cheque should bear two signatures at its back.
• Cheque also bears details on its back.
DAMPEN:
These are 6 indicators for cheques:
• Date on the cheque

• Amount of the cheque
• Maker of the cheque
• Payee of the cheque
• Endorsement of the cheque
• Negotiability of the cheque
Some limitations regarding cash department and its functioning:
For cash department there is limit for cash to be held by the department.
• Vault Limit is 18 million rupees.

• Counter limit for cash in FBL is 2 million rupees.
If cash exceeds than the predefined limit than bank is required to get for insurance for
exceeding amount.
Doors of the Cash department are decoded only by Operations Manager (OM) “Mr.
Siddi Sami Ahmed Khan” and CS officer “Madam Shumaila.”

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Cashier’s power for encashment of cheques is up to Rs.300000 only.
Human Resources Department
Faysal Bank is a pro-active, people driven organization where the employees are our top
most priority. The Bank not only provides challenging career opportunities but also
excellent training in all areas of banking.
Management Training Programmes
The Management Training Program is a 3 months rigorous course of instruction on all

aspects of banking for young professionals. Our training program is designed to polish
the Management Trainees' knowledge of banking and induce a spirit of professionalism
in them. Based on the MTs performance during the training program, they are placed
within the Bank with their careers on the fast track
In the Faysal bank the environment is formal. Employees do team work & help each
other & very cooperative to each other.
Recruitment: -
In Faysal bank relies on two channels.
• Internal
• External
Internal: -
If employees are competent and can perform well then they are promoted.

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External: -
Faysal bank also hires competent people from outside. For this purpose they give
advertising on Newspaper & website. Some times hiring is from external and on deposits
base.
Selection: -
Two type of employees are selected

a) Permanent
b) Temporary
Employees are selected by written test. Those candidates who clear test, they are called
for interview. Then employees are selected. Some times selection is without test & only
on interview bases. In faysal bank employees become permanent after two years.
Orientation: -
In faysal bank R.Y.K branch no proper orientation takes place. When new employees
come then bank not introduce them with other employees.
Training: -
In faysal bank training are done when it is necessary.
• If training is at micro level then employees go to Multan.

• If at macro level then trainer comes in R.Y.K branch.

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Promotion: -
Promotion is very slow in faysal bank. faysal bank uses grading system.
• OG-1
• OG-11
• OG-111
Few employees are on permanent basis. Most employees work as third party contract.
Dispute & conflict: -
In faysal bank R.Y.K minimum conflicts are there.
Compensation: -
a) Attractive working condition: -

A good physical environment is providing to employees well furnished and air
condition room is there.
b) Safety working environment: -

For safety of its assets & employees’ lives guards are there & cameras on all working
places.
c) Bonus: -
Faysal bank gives the bonus to the employees.
d) Leaves: -
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In one month two leaves are allowed. In one year 15 leaves are given to the employees.
e) Retirement Plans: -
By way of the retirement plan faysal bank gives gratuity fund and provided fund to its
permanent employees.
Function & trip: -

Faysal bank R.K.Y does not arrange the trip. Faysal bank does not arrange the
Function.
Medical Facilities: -
Faysal bank gives the medical facilities to their employees.

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AGRICULTURE DEPARTMENT
Personnel responsible for functions of this department are:
• Syed Faheem Ahmad

• Irfan Muhammad
• Muhammad Tariq
Agriculture department is basically providing two types of loans:
• Development loan (long term loan)

• Production loan (short term loan)
Both basic types of loans are further divided into:

• Farm Loan
• Non Farm Loan
VARIOUS REQUIREMENTS FOR AGRI. LOAN APPLICATION:
1- Agriculture pass book:
This document is the proof for clients’ ownership of land. This document carries
pictures, a number issued by government and all details about the client.
2- Cultivation certificate
3- Average sale price for 3 years

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4- A copy of mutation
This is a document by which the client has got the ownership for his land.
5- Two copies of computerized ID card
6- Two passport size photographs of client (in case of shaky signs or thumb impression
we get 4 passport size photographs)
7- We also require 2 references of the client.
8- Another document is required which is called JAMABANDI (Document of rights).

This document is a simple paper with a few details. It shows that land is under
possession of the client.
9- We also require two guarantors and their JAMABANDI, and copies of computerized
ID card.
10- Quotation in case of tractor, tube well and agricultural instruments.
11- Feasibility report (for live stock, and poultry form).
For Urban property (as a security)
12- Title deed
13- NEC (Non Encumbrance Certificate)
14- Valuation report

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15- Authorized map of property
When all documents are with us then we apply for CIB by giving clients’ no.
All above documents are required from the client but there are also some documents
which are required from the branch itself so that they are fully able to get approval of
loan for their client.
Detail of these documents is as follows.
16- Property evaluation report.
In this document evaluation of the land is made.
17- Credit proposal (CP):
This document has three parts:
a. Recommendation from branch

b. Processing from higher officers
c. Approval
a. Recommendation from branch

In this portion of CP following details are mentioned:
• Legal structure
• Nature of proposal
• Name and address of the client

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• Details about Farm sector and Non farm sector

• Details about further divisions of Farm sector and Non farm sector i.e.
Development and Production loan
• Mark up
• General security
• Margin
• Repayment arrangement
b. Processing from higher officers
c. Approval
18- Farmers credit assessment report:

This document contains all information about the client and all personal information
about the client to see the burden on the client.
There is also information about the land which is presented as the security. E.g.
• Cropping pattern of the land
• Irrigation
Details about his all assets and liabilities are also mentioned in this document.
19-Visit report by any authorizes person is also attached. And the authorized person in
the FBL is Sir Faheem Gailanee.
20-Urdu application which bears following details

• Information about the production and development loan
• Security
• Guarantor signs
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• Income of the client

• Information about the units of the land
21- Poultry information report (in case of poultry farm)
22- Tractor and tube well report
23- CIB
24- Local bank’s credit report
25- Credit report of guarantors
26- Stock report
27- Dairy information report
28- Information sheet for renewal
Some other important information about Agriculture department is as follows:

 FBL is offering 3 types of non farm loans:
 Dairy Milk animals

 Fattening Animals
 Pregnant Buffaloes and Cows
 For 10 Acres FBL allows RS. 500,000 mean each Acre carries maximum limit of
RS. 500,000.
 Loan is of one year maturity and after every 6 months you pay Mark up.
 Client can avail Revolving Credit Scheme of SBP.

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CREDIT ADMINISTRATION
DEPARTMENT
• Mr. Muhammad Ahmed

• Miss Sumaira Irshad
Credit can be dealt by followings:
1. By Credit Marketing
2. By Credit Administration Department
Credit Marketing
Relationship manager deals with the Credit Marketing. Purpose of Credit Marketing is
to deal with following types of loaning and loan category is changed with respect to
amount of loaning.
• SME Lending (up to 25 Million Rupees)

• Commercial Lending (25 - 250 Million Rupees)
• Corporate Lending (Above 250 Million Rupees)
Further classification of Loan is as followed:
Funded limits
In Funded Limits cash is involved. In these transactions Mark Up is deducted.

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• Running Finance (RF)

• Cash Finance (CF)
Non Funded limits
In Non Funded limits cash is not involved. In these transactions Commission is involved
as compare to Mark Up in Funded Limits.
• Letter of credit (LC)
LC usage
LC site
• Letter of guarantee (LG)
Non Funded transactions are carried out within the country normally by LG.
CAD (Credit Administration Department) is concerned with three types of

businesses
• Sole proprietorship
• Partnership
• Private limited
Normally 30% margin is maintained by the bank for its security. Yearly targets are set by
the SBP and the branch itself. And FBL tries its best to meet its standards.
FBL deals with following demands of clients for loaning

• Loan for RF (Running Finance)

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• Loan for CF (Cash Finance)

• Facility of LC (Letter of Credit) & LG(Letter of Guarantee)
Procedure
Procedure involved consists of three steps:
1. Pre-sanctioned Formalities
2. Processing for credit
3. Post- sanctioned Formalities
1-Pre-sanctioned Formalities
Before Pre-sanctioned Formalities/Documentations, followings are checked out:
 Check Repayment Behavior of the Borrower

 Either he is Defaulter or not (Through CIB)
 Collaterals for his loan
 Authenticity of his business
 Evaluation of pledged security by approved authorities
 Working capital requirements are checked
Documentation
• BBFS (Borrower Basic Fact Sheet) is required
• Property valuation by approved companies
• Documents with respect to Firm Type
Business letter head, declaration of Sole proprietor ship
(In case of Sole proprietor ship)
Partnership Deed (in case of Partnership)
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Memorandum of Association (in case of Private Limited company)

Director’s resolution (in case of Limited company)
• Clients’ CIB
• Jamanbandi
• Initial legal opinion by the approved lawyer
• Financial statements
2-Processing
In processing Approvals by various authorities are involved.
• Approval by Relationship Manager (RM)

• Approval by Country Head SME (in case of loan up to 25 Million Rupees)
• Approval by Country Head for Commercial Loan (in case of loan up to 25 - 250
Million Rupees)
• Approval by Corporate Committee (in case of loan above 250 Million Rupees)
3-Post- sanctioned Formalities
Now CAD starts work.
Firstly Final legal mortgage opinion is obtained then Following documents are required
to be signed by the client.

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Charge Documents
• Financing agreement
• Demand Promissory Note
• Personal guarantee
• Guarantee by all partners( in case of the partnership)
• Letter of Hypothecation (in case of RF)
• Letter of pledge (in case of CF)
• Facility letter on banks’ letter head
• Debit authority
Basic Functions of CAD:
• Disbursement
• Adjustments
• Mark Up recovery
• Monitoring
Monitoring of Property Documents/Charge documents

Pledge monitoring
• Reporting to SBP

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PERSONAL OR FAYSAL FIANACING

DEPARTMENT
Personnel responsible for functions of this department are:
• Sheikh Moeen Akhtar
• Asif Hussain
This loan offering is for two types of categories of clients:
 Salaried People
 Business People
FBL loaning can also be categorized further like:
 Secured
 Unsecured
And this loan can be categorized as unsecured up to RS.500000. But if loaning is made
for more than RS.500000 then security is demanded from the client. And residential
property is mortgaged. This department has monthly targets. By fulfilling these targets
employees are entitled to get Bonuses.
Requirements to apply for personal financing are as follows:

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1. FBL finance Application Form

2. One ID card copy of client
3. ID card copies of two references of client
4. CIB
5. Data Check
• Address of client
• Phone number
• Employer (in case of salaried people)
• Designation (in case of salaried people)
• Previous information about the client
• Credit application
6. Verification by NADRA of client including references

7. Verification by Asrem (private) Limited
8. Salary slips (in case of salaried people)
9. One year Bank Statement
10. Two Utility Bills
11. Credit Memorandum
12. Credit Rating Marks Sheet
When all these requirements are fulfilled then to get approval for loaning to client all
these documents are firstly sent to Regional Head Office in Multan and then in Main
Head Office in Karachi.

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HOUSE FINANCING DEPARTMENT
This department is handled by Mr. Mirza Muhammad Kashif
There are three types of products whish are offered by this department.
These products and their Tenure are given below as follows:
• Buy Home (3 to 20 years)

• Build A House (3 to 20 years)
• Renovation (3 to 20 years)
• Business Solution (7 years)
Conditions:
• All policies or procedures (also called SOPs standard operating procedures) are
defined by the State Bank of Pakistan but these policies are further renewed by
the concerned bank to facilitate itself in its procedures. According to State Bank
of Pakistan maximum loaning can be 80% in this department and Debt Burden is
acceptable up to 50%. But FBL may decrease and increase this percentage to
facilitate its customers and sometimes to facilitate itself.
• IRR is not fixed because it is long term investment. The specific term which is
used to describe and set this interest rate is called KIBOR (Karachi Inter Bank
Offer Rate). Most of the banks renew this rate monthly or quarterly but FBL
renews it yearly.
• Property which is pledged against security is non Commercial Property.

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• Financing amount: Minimum 1 Million up to 20 Million
• In the case when the salary of the client is not sufficient for the loan applied then
a Co-applicant is also required by the FBL just for bank’s security. This Co-
applicant is any blood relation of the client.
• Normally 30% margin is kept
In the case of Buy Home
Parties involved:
This product is a little bit risky as compare to other products of this department.
There are generally three parties involved in this type of loaning as it is mentioned
below:
• Buyer
• Seller &
• The bank
Procedure:
1. When a buyer wants to purchase a house he/she approaches the bank and
demands for loan to purchase this house of his/her own choice.
2. Now FBL (the clients’ bank) comes in the transaction.

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3. Firstly the authorized person of House Financing department visits the house
which a client wants to purchase sometimes Branch Manager himself makes a
visit for Evaluation purposes so that loaning can be processed further.
4. Then a legal advice is got by a lawyer. To know either the property is actually
owned by the seller or not.
5. Then this case is sent to the Regional office to get approval for further processing
of this loan.
6. If case is approved by the head office then Evaluation is made by a company (in
case of the property costing more than 4 million 2 companies are responsible for
evaluation). These companies are also referred by the Head office and their
names are as follows:
• EPI
• Asrem
• Unit-3
• Haseeb Associates
7. Now after detailed evaluation of the property file is prepared for the client’s loan.
This file carries all the necessary documents.
8. Now file is sent to the Head Office for approval. If there is any observation on
the case then the case is sent back to the bank to meet these observations.

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9. At the last FBL gets the PURSARKAR. This is actually the document which is
the evidence that the property has been pledged with the bank.

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In step 7 the documents whish are required are as follows:
Free Hold Property Related Documents
• Registry
• Mutation
• Jamabandi
• Non Encumbrance Certificate (NEC)
• Approved Map
• Aks Shijrah
Lease Hold Property Related Documents
• Allotment Letter, Ownership certificate

• Transfer letter
• Possession certificate
• Site plan
• NOC (Non Objection Certificate)
Business Related Documents
• Three years financials

• Two years’ bank statements
• Three years’ Tax Returns
• Copy of NTN Certificate
• Copy of CNIC
• Copy of two references CNIC
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• Business Letter Pad

• Utility Bills latest
• Two Photographs
• Two Latest Salary Slips for salaried people
• One year bank statement for salaried person
The same process is followed in others (Build a House, Renovation & Business
Solution). The difference is just in pledging the security that which is the place that is to
be built or renovated.)

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AUTO FINANCING DEPARTMET
• Rana Waqas Anwar

• Mian Adnan Khalid
• Awais Irshad
• Mirza Nauman Baig
• Awais Ahmed
• Zahid Hussain
Documentation for Auto Financing:
1. Application form
2. CNIC of the client
3. CNICs of 2 references
4. Recent Utility Bill
5. Business Proof
6. Bank statement of one year
7. 2 passport size photographs
8. CIB
9. Data Check
10. NADRA verification of client
11. ASREM verification
12. Debit authority
13. Attested Copy of Partnership deed
14. Down payment cheque
15. Quotation
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16. Six undated security cheques

Here application process is completed
17. Signature verification form

18. Repayment Schedule is provided to the client
19. Client is make aware of Termination Rules
20. BBFS
21. Deviation Memo (lease booking memo)
22. Lease Agreement
23. Approved RA
For any deviations we get approval from the Head Office
Insurance Rules:
• 5% (with Tracker)
• 3.5% (without tracker)
IRR
• 18.5% for 5 years

• 18% for 3 years
• 17.5% for 2 years

KhanCampus 63
INTERNSHIP REPORT
Financial
Statements
Analysis From
2004-2008

KhanCampus 64
INTERNSHIP REPORT

KhanCampus 65
Profit And Loss Account
For The Year Ended 30 December (2004-2008)
2008 2007 2006 2005 2004

INTERNSHIP
Mark REPORT
Up/ Return
/Interest Earned 11610781 9877103 6319498 2753451 2074611
Mark Up/ Return
/Interest Expensed 7447539 6093210 3309989 1118118 946485
Net Mark Up/
Interest Income 4163242 3783893 3009509 1635333 1128126
Provision Against Non
Performing Loans And
Advances 1797432 517027 -19026 51609 208097
Provision For Consumer
Loans-General 74537 105305 28082 70799 42897
Provision For Damnation In
The Value Of Investment 207075 -792 -318897 -2857
Bad Debt Written
Off Directly 67 1118 141
2079044 621607 -309841 123526 248278

Net Mark Up / Interest
Income After Provision 2084198 3162286 3319350 1511807 879848
Non Mark Up/
Interest Income
Fee Commission And
Brokerage Income 744508 604378 581854 397064 251189
Dividend
Income 1191521 1113132 721804 697499 763697
Dividend Income From
Dealing In Foreign Currencies 313597 120992 95451 162444 107473
Gain On Sale Of
Securities 1070213 330061 609119 572035 1588942
Unrealized Gain On The Revaluation Of
Investment Classified As Held For
Trading 2984 647 -1024 -2607
Other Income 43821 447708 947 5050 2554

Total Non Mark Up/
Interest Income 3366644 2616918 2008151 1831485 2713855
5450842 5779204 5327501 3343292 3593703

Non Mark Up/
Interest Expenses
Administrative
Expenses 2798966 1871250 1428830 1134672 834754
Other
Provisions 6061 1742
Other The Islamia University Of BWP RahimYar
KhanCampus
Charges 9855 32857 2220 1150 66
11935
Total Non Mark Up/
Interest Expenses 2814882 1904107 1431050 1135822 848431
INTERNSHIP REPORT
Balance sheet
As on 31 December (2004-2008)
2008 2007 2006 2005 2004
Assets
Cash An Balance With Treasury
Banks 6872032 7207998 6696726 5048400 2866278
Balance With Other Banks 3708451 2883040 2045887 3564030 648660
Lending To Financial Institutions 7078102 4608205 10742841 4417378 872132
Investment 31553108 22525358 23887864 11799904 11218501
Advances 87346401 74468644 62035978 50254634 29626223
Operating Fixed Assets 2514959 2239392 2882441 2369360 1183315
Deferred Tax Assets-Net 160936
Other Assets 2204368 1537764 2371825 1517642 1030352
Total Assets 141277421 115470401 110663562 78971348 47606397
Liabilities
Bill Payable 2406927 4516125 1193309 905637 430864
Borrowing From Financial
Institutions 9995855 14965037 15295730 8478048 6529810
Deposits And Other Accounts 101879244 74194279 74595564 56460329 31332172
Sub-Ordinate Loans 1000000
Liabilities Against Assets Subject
To Finance Lease 7827 14664 122549 18434 16404
Deferred Tax Liabilities-Net 2691966 1841651 1269113 166442
Other Liabilities 6951750 5924656 3527023 2294899 1318437
Total Liabilities 124933569 101456412 96003288 68323789 39627685
Share Capital 5296445 4237157 3684484 2912635 2647850
Reserves 3567033 3079527 2516211 2259101 2115989
Unappropriated Profit 1505053 1897574 1938651 1079492 846016
Minority Interest 75333 96425
Surplus On Revaluation Of
Assets 5811357 4664307 6148498 3963204 2368857
Total Liabilities And Equity 141277421 115470401 110663562 78971348 47606397

KhanCampus 67
INTERNSHIP REPORT
COMMON SIZE ANALYSIS

VERTICAL ANALYSIS
Balance sheet
As on 31 December (2004-2008)
2008 2007 2006 2005 2004
Assets
Banks 4.864% 6.242% 6.051% 6.393% 6.021%
Balance With Other Banks 2.625% 2.497% 1.849% 4.513% 1.363%
Lending To Financial Institutions 5.010% 3.991% 9.708% 5.594% 1.832%
Investment 22.334% 19.507% 21.586% 14.942% 23.565%
Advances 61.826% 64.492% 56.058% 63.637% 62.232%
Operating Fixed Assets 1.780% 1.939% 2.605% 3.000% 2.486%
Deferred Tax Assets-Net 0.000% 0.000% 0.000% 0.000% 0.338%
Other Assets 1.560% 1.332% 2.143% 1.922% 2.164%
Total Assets 100.000% 100.000% 100.000% 100.000% 100.000%
Liabilities
Bill Payable 1.704% 3.911% 1.078% 1.147% 0.905%
Institutions 7.075% 12.960% 13.822% 10.736% 13.716%
Deposits And Other Accounts 72.113% 64.254% 67.408% 71.495% 65.815%
Sub-Ordinate Loans 0.708% 0.000% 0.000% 0.000% 0.000%
Liabilities Against Assets Subject
To Finance Lease 0.006% 0.013% 0.111% 0.023% 0.034%
Deferred Tax Liabilities-Net 1.905% 1.595% 1.147% 0.211% 0.000%
Other Liabilities 4.921% 5.131% 3.187% 2.906% 2.769%
Total Liabilities 88.431% 87.864% 86.752% 86.517% 83.240%
Share Capital 3.749% 3.669% 3.329% 3.688% 5.562%
Reserves 2.525% 2.667% 2.274% 2.861% 4.445%
Unappropriated Profit 1.065% 1.643% 1.752% 1.367% 1.777%
Minority Interest 0.053% 0.084% 0.000% 0.000% 0.000%
Surplus On Revaluation Of Assets 4.113% 4.039% 5.556% 5.019% 4.976%
Total Liabilities And Equity 100.000% 100.000% 100.000% 100.000% 100.000%

KhanCampus 68
INTERNSHIP REPORT
Profit And Loss Account

For The Year Ended 30 December (2004-2008)
2008 2007 2006 2005 2004
Mark Up/
Return
/Interest
Earned 523.750% 344.40% 202.80% 157.03% 96.43%
Mark Up/ Return
/Interest Expensed 335.951% 212.46% 106.22% 63.77% 44.00%
Net Mark Up/
Interest
Income 187.799% 131.94% 96.58% 93.26% 52.44%
Advances 81.080% 18.03% -0.61% 2.94% 9.67%
Provision For
Consumer Loans-
General 3.362% 3.67% 0.90% 4.04% 1.99%
Provision For Damnation In
The Value Of Investment 9.341% -0.03% -10.23% 0.00% -0.13%
Bad Debt
Written Off
Directly 0.000% 0.00% 0.00% 0.06% 0.01%
93.783% 21.67% -9.94% 7.04% 11.54%

Net Mark Up /
Interest Income After
Provision 94.016% 110.27% 106.52% 86.22% 40.90%
Non Mark Up/
Interest
Income 0.000% 0.00% 0.00% 0.00% 0.00%
Fee Commission And
Brokerage Income 33.584% 21.07% 18.67% 22.64% 11.68%
Dividend
Income 53.748% 38.81% 23.16% 39.78% 35.50%
Dealing In Foreign
Currencies 14.146% 4.22% 3.06% 9.26% 5.00%
Gain On Sale
Of Securities 48.276% 11.51% 19.55% 32.62% 73.86%
Unrealized Gain On The Revaluation Of
Investment Classified As Held For
Trading 0.135% 0.02% -0.03% -0.15% 0.00%
Other
Income 1.977% 15.61% 0.03% 0.29% 0.12%
Total Non Mark Up/
Interest Income 151.866% 91.25% 64.44% 104.45% 126.15%

KhanCampus 69
INTERNSHIP REPORT
245.882% 201.51% 170.96% 190.67% 167.04%

Non Mark Up/
Interest
Expenses 0.000% 0.00% 0.00% 0.00% 0.00%
Administrative
Expenses 126.258% 65.25% 45.85% 64.71% 38.80%
Other
Provisions 0.273% 0.00% 0.00% 0.00% 0.08%
Other
Charges 0.445% 1.15% 0.07% 0.07% 0.55%
Total Non Mark Up/
Interest Expenses 126.976% 66.39% 45.92% 64.78% 39.44%
118.905% 135.12% 125.04% 125.89% 127.61%

Extraordinary/
Unusual Items 0.000% 0.00% 0.00% 0.00% 0.00%
Share Of Income
From Associates 0.434% 1.66% 0.42% 0.00% 0.00%
Net Income Of Fayzan
Manufacturing Modarba(Subsidry) 0.000% 0.00% 3.49% 0.00% 0.00%
Profit
Before
Taxation 119.340% 136.78% 128.96% 125.89% 127.61%
Taxation
Current 12.932% 13.52% 22.21% 29.52% 16.17%
Prior Years -2.185% 3.25% -29.63% -23.97% 4.95%
Deferred 8.592% 20.01% 36.37% 20.35% 6.49%
19.340% 36.78% 28.96% 25.89% 27.61%

Profit After
Taxation 100.000% 100.00% 100.00% 100.00% 100.00%
Profit Attribute To
Minority Interest 0.149% 2.68% 1.11% 0.00% 0.00%
Profit Attribute
To Equity
Holders 99.851% 97.32% 98.89% 0.00% 0.00%
100.000% 100.00% 100.00% 100.00% 100.00%

KhanCampus 70
INTERNSHIP REPORT
HORIZONTAL ANALYSIS
Balance Sheet
As On December 31st 2004-2008
2008 2007 2006 2005 2005
Assets
Banks 239.755% 251.476% 233.638% 176.131% 100.000%
Balance With Other Banks 571.710% 444.461% 315.402% 549.445% 100.000%
Lending To Financial
Institutions 811.586% 528.384% 1231.791% 506.503% 100.000%
Investment 281.260% 200.788% 212.933% 105.183% 100.000%
Advances 294.828% 251.361% 209.396% 169.629% 100.000%
Operating Fixed Assets 212.535% 189.247% 243.590% 200.231% 100.000%
Deferred Tax Assets-Net 0.000% 0.000% 0.000% 0.000% 100.000%
Other Assets 213.943% 149.246% 230.196% 147.294% 100.000%
Total Assets 296.761% 242.552% 232.455% 165.884% 100.000%
Liabilities
Bill Payable 558.628% 1048.156% 276.957% 210.191% 100.000%
Institutions 153.080% 229.180% 234.245% 129.836% 100.000%
Deposits And Other Accounts 325.159% 236.799% 238.080% 180.199% 100.000%
Sub-Ordinate Loans
Liabilities Against Assets
Subject To Finance Lease 47.714% 89.393% 747.068% 112.375% 100.000%
Deferred Tax Liabilities-Net 1617.360% 1106.482% 762.496% 100.000%
Other Liabilities 527.272% 449.370% 267.515% 174.062% 100.000%
Total Liabilities 315.268% 256.024% 242.263% 172.414% 100.000%
Share Capital 200.028% 160.023% 139.150% 110.000% 100.000%
Reserves 168.575% 145.536% 118.914% 106.763% 100.000%
Unappropriated Profit 177.899% 224.295% 229.151% 127.597% 100.000%
Minority Interest 78.126% 100.000%
Surplus On Revaluation Of
Assets 245.323% 196.901% 259.555% 167.304% 100.000%
Total Liabilities And Equity 296.761% 242.552% 232.455% 165.884% 100.000%

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INTERNSHIP REPORT
Profit and loss account

For the year ended 30 December (2004-2008)
2008 2007 2006 2005 2004
Mark Up/ Return

/Interest Earned 559.66% 476.09% 304.61% 132.72% 100.00%
Mark Up/ Return

/Interest Expensed 786.86% 643.77% 349.71% 118.13% 100.00%
Net Mark Up/

Interest Income 369.04% 335.41% 266.77% 144.96% 100.00%
Advances 863.75% 248.45% -9.14% 24.80% 100.00%
Provision For
Consumer Loans-
General 173.76% 245.48% 65.46% 165.04% 100.00%
Provision For Damnations -7247.99

In The Value Of Investment % 27.72% 11161.95% 0.00% 100.00%
Bad Debt Written

Off Directly 0.00% 47.52% 0.00% 792.91% 100.00%
837.39% 250.37% -124.80% 49.75% 100.00%

Net Mark Up / Interest
Income After
Provision 236.88% 359.41% 377.26% 171.83% 100.00%
Non Mark Up/
Interest Income
Fee Commission And
Brokerage Income 296.39% 240.61% 231.64% 158.07% 100.00%
Dividend
Income 156.02% 145.76% 94.51% 91.33% 100.00%
Dealing In Foreign
Currencies 291.79% 112.58% 88.81% 151.15% 100.00%
Gain On Sale Of
Securities 67.35% 20.77% 38.33% 36.00% 100.00%

KhanCampus 72
INTERNSHIP REPORT
Unrealized Gain On The Revaluation

Of Investment Classified As Held
For Trading -114.46% -24.82% 39.28% 100.00%
Other Income 1715.78% 17529.68% 37.08% 197.73% 100.00%

Total Non Mark Up/
Interest Income 124.05% 96.43% 74.00% 67.49% 100.00%
151.68% 160.81% 148.25% 93.03% 100.00%
Non Mark Up/
Interest Expenses
Administrative
Expenses 335.30% 224.17% 171.17% 135.93% 100.00%
Other
Provisions 347.93% 0.00% 0.00% 0.00% 100.00%
Other
Charges 82.57% 275.30% 18.60% 9.64% 100.00%
Total Non Mark Up/
Interest Expenses 331.78% 224.43% 168.67% 133.87% 100.00%
96.02% 141.16% 141.93% 80.41% 100.00%
Extraordinary/
Unusual Items
Share Of Income From
Associates 72.91% 359.64% 100.00%
Net Income Of Fayzan
Manufacturing
Modarba(Subsidry) 100.00%
Profit Before
Taxation 96.37% 142.89% 146.38% 80.41% 100.00%
Taxation
Current 82.41% 111.42% 198.98% 148.78% 100.00%
-394.95
Prior Years -45.50% 87.48% -867.28% % 100.00%
Deferred 136.45% 411.17% 811.83% 255.60% 100.00%
72.19% 177.58% 151.93% 76.44% 100.00%
Profit After
Taxation 103.05% 133.31% 144.85% 81.51% 100.00%
Profit Attribute To
Minority Interest 9.49% 221.55% 100.00%
Profit Attribute To
Equity Holders 71.84% 90.58% 100.00%
103.05% 133.31% 144.85% 81.51% 100.00%

KhanCampus 73
INTERNSHIP REPORT
RATIO
ANALYSIS
SHORT TERM LIQUIDITY

ANALYSIS

KhanCampus 74
INTERNSHIP REPORT
Current Ratio
Years 2004 2005 2006 2007 2008
Current Ratio 1.49 1.588 1.48 1.75 2.08

CURRENT
Current Ratio
RATIO
2.5
2
1.5
1 Current
0.5 Ratio
0
04
05
06
07
08
20
20
20
20
20
YEAR
Current ratio of company in 2008 is 2.08. It means company has Rs. 2.08 current assets
to pay Rs. 1 of current liability. When we see trend it is increasing from 2004 to 2005
and then it decreased in 2006 and then it is again increasing.

KhanCampus 75
INTERNSHIP REPORT
Quick Acid Test Ratio
Years 2004 2005 2006 2007 2008
Quick Acid Test Ratio 1.35 1.48 1.37 1.7 2.0

CI
TI
O
A
R
A
E
S
T
Acid Test Ratio
2.5
2
1.5 Quick Acid
1 Test Ratio
0.5
0
04
05
06
07
08
20
20
20
20
20
YEAR
It increased from 2004 to 2005 and then decreased in 2006 and then increased. In 2008 it
is 2. It means company has Rs. 2 of the most liquid assets to pay current liability of Rs.
1

KhanCampus 76
INTERNSHIP REPORT

KhanCampus 77
INTERNSHIP REPORT
Cash Ratio
Years 2004 2005 2006 2007 2008
Cash Ratio 0.113 0.178 0.121 0.161 0.163
Cash Ratio
cash ratio
0.2
0.15
0.1 Cash Ratio
0.05
0
04
05
06
07
08
20
20
20
20
20
year
It increased from 2004 to 2005 and then decreased in 2006 and then again it has
increasing trend. As compared other years it was high in 2005. It means in 2005
company had more liquid cash to pay current liabilities.

KhanCampus 78
INTERNSHIP REPORT
Working Capital
Years 2004 2005 2006 2007 2008
Working Capital 15253891 28367022 35327904 47500530 70308646
Working capital has increasing trend.

KhanCampus 79
INTERNSHIP REPORT
PROFIT-
ABILITY
ANALYSIS

KhanCampus 80
INTERNSHIP REPORT
Net Profit Margin
Years 2004 2005 2006 2007 2008
Net Profit Margin 23.13% 35.70% 35.08% 23.79% 9.15%

net profit margin
Net Profit Margin
40.00%
30.00%
20.00% Net Profit Margin
10.00%
0.00%
05
06
07
08
40
20
20
20
20
20
year
In 2008 it is 9.15%. It means on Rs.100 company earns Rs 9.15. This ratio decreased in
2008 as compared to previous years.

KhanCampus 81
INTERNSHIP REPORT
Operating Profit Margin
Years 2004 2005 2006 2007 2008
Operating Profit Margin 123% 70.35% 52.15% 42.97% 37.70%

operating profit
Operating Profit Margin

margin
150%
100% Operating Profit
50% Margin
0%
04
05
06
07
80
20
20
20
20
20
year
This ratio in year 2008 is 37.70%. It means company generates Rs. 37.70 operating
income on Rs. 100. It decreased as compare to previous years.

KhanCampus 82
INTERNSHIP REPORT
Return on Assets
Years 2004 2005 2006 2007 2008
Return on Assets 5.11% 2.78% 3.25% 2.5% 1.77%
Return on Assets
6.00%
4.00% Return on
2.00% Assets
0.00%
2004 2005 2006 2007 2008
year
This ratio decreased from 2004 to 2005 and then again it increased in 2006. In 2008 it is
1.77% which means that the company generates Rs. 1.77 on assets of Rs. 100

KhanCampus 83
INTERNSHIP REPORT
Return on total Equity
Years 2004 2005 2006 2007 2008
Return on total Equity 44.22% 29.57% 42.74% 32.67% 23.33%
Return on total Equity
50.00%
40.00%
30.00% Return on total
20.00% Equity
10.00%
0.00%
06
08
04
05
07
20
20
20
20
20
year
It decreased from 2004 to 2005 then it increased in 2006 & then again increased in 2007
& 2008. In 2008 it is 23.33%. It means on Rs. 100 of total equity the return is Rs.23.33.

KhanCampus 84
INTERNSHIP REPORT
LONG TERM
DEBT
PAYING
ABILITY
ANALYSIS

KhanCampus 85
INTERNSHIP REPORT
Debt Ratio
Years 2004 2005 2006 2007 2008
Debt Ratio 83.24% 86.57% 86.75% 88.05% 88.56%
Debt Ratio
debt ratio
90.00%
88.00%
86.00%
Debt Ratio
84.00%
82.00%
80.00%
2004 2005 2006 2007 2008
year
This ratio has increasing trend. In 2008 is 88.56%. This ratio shows that in
all the years more than 80% assets of the company were financed by
outsiders.

KhanCampus 86
INTERNSHIP REPORT
Debt to Equity Ratio
Years 2004 2005 2006 2007 2008

Debt To Equity
Ratio 706% 117.9% 109% 108.9% 119.6%
debt to equity
Debt To Equity Ratio
800%
600%
Debt To Equity
400%
Ratio
200%
0%
2004 2005 2006 2007 2008
year
This ratio is also very high, which means that creditors are not very well
protected. This ratio decreased from 706% in 2003 to 117.9% in 2005. it
again increased to 119.6% in 2008.

KhanCampus 87
INTERNSHIP REPORT
ANALYSIS
FOR
INVESTOR

KhanCampus 88
INTERNSHIP REPORT
Earning Per Share

Years 2004 2005 2006 2007 2008
Earning Per Share 8.12 6.02 8.33 6.65 4.29
Earning Per Share
10
Rs
8
6 Earning Per
4 Share
2
0
04
05
06
07
08
20
20
20
20
20
year
The earning per share is decreased from 2004 to 2005. In 2006 it is

increased up to Rs. 8.33 & then it decreased in 2007 & 2008. It shows that
earning on a share of common stock has decreased from 2006 to 2008.

KhanCampus 89
INTERNSHIP REPORT
Price Earning Ratio
Years 2004 2005 2006 2007 2008
Price Earning Ratio 4.43% 7.23% 8.89% 9.10% 15.35%
Price Earning Ratio
20.00%
15.00%
Price Earning
10.00%
Ratio
5.00%
0.00%
1 2 3 4 5
ye a r
Price per Earning Ratio of the company has increasing trend. In 2008 it is
15.53% it means that stock has been selling for about15.53% earnings.

KhanCampus 90
INTERNSHIP REPORT
Dividend Payout Ratio
Years 2004 2005 2006 2007 2008
Dividend Payout Ratio 55.42% 74.75% 42.01% 75.19% 58.27%

percentage
Dividend Payout Ratio
80
60
Dividend
40
Payout Ratio
20
0
04
05
8
0
0
20
20
20
20
20
year
This ratio is increasing from 2004 to 2005, decreased in 2006 increased in

2007 and then again decreased in 2008. In 2008 it is 58.27% which means
in 2008 company paid 58.27% as dividend of the earnings per share to the
share holders.

KhanCampus 91
INTERNSHIP REPORT
Dividend Yield
Years 2004 2005 2006 2007 2008
Dividend Yield 12.50% 10.34% 4.72% 8.26% 3.79%
percentage
Dividend Yield
15
10
Dividend
5 Yield
0
2004 2005 2006 2007 2008
year
The dividend yield has decreasing trend

when compared with previous year.

KhanCampus 92
INTERNSHIP REPORT
Book Value per Share (Rs)
Years 2004 2005 2006 2007 2008
Book Value Per Share(Rs) 21.19 21.46 22.02 21.55 19.53
Book Value Per Share(Rs)
23
22
Rs
21 Book Value Per

20 Share(Rs)
19
18
04
05
07
6
8
0
0
20
20
20
20
20
year
It is consistently increasing from 2004 to 2006 because assets of the

company are increasing and then it is decreasing due to the increase in no.
of shares.

KhanCampus 93
INTERNSHIP REPORT
SWOT
ANALYSIS

KhanCampus 94
INTERNSHIP REPORT
STRENGTHS
• FBL has very effective Network of branches all over the country.
• FBL has also effective network of ATM all over the country.
• Employees are very efficient and self motivated.
• It is backed by very strong group.
• Client can earn more on his deposits as compare to clients of other banks.
• Services of WESTERN union are also provided to the clients.
• It has a large contract with JDW.
• Refreshment not only for staff but also for their clients.
WEAKNESSES
• Most of the hiring is on contract basis.

• Promotion is slow.
• Salary package is not so much attractive.
• Clients of FBL are less in number as compare to its some competitors
• Poor HR policies

KhanCampus 95
INTERNSHIP REPORT
OPPORTUNITIES
• Islamic banking in its real sense is not introduced up till now.

• FBL can do some additional efforts to attract clients for more and more deposits.
• Now the Account opening process has been centralized. Other functions can also
be made centralized to handle all operations effectively.
• Recently it is starting work on a project of Ettehad Sugar Mills. It is a great
opportunity for FBL.
THREATS
• Its Acquisition is a threat for its employees.

• Turn Over rate is very high.
• New incoming local and especially foreign banks are making tough competition
among banks.
• Dissatisfaction of staff

KhanCampus 96
INTERNSHIP REPORT
CONCLUSION
Faysal Bank Limited, an Ithmaar Bank's subsidiary, has a vast network of
branches and ATM locations all over the country. Rahim Yar Khan Branch of
FBL is working very well and endeavoring to attract more clients and
deposits. During my Internship here I found almost certifiable work in all
departments with good working environment. Efficient staff is its strength.
Though there are also some weaknesses but bank can Excel in its working by
overcoming these weaknesses and improving its HR policies for its most
precious asset that is its Personnel.

KhanCampus 97
INTERNSHIP REPORT
SUGGESTIONS
• There is low trend of training for employees. So FBL should do more
to train its employees to make them more efficient.
• New and intellectual staff should be hired to improve progress.
• Employees should be more careful regarding their behavior with
clients
• Hiring basis should be on accurate and transparent terms.
• Communication between higher and lower management should be
increased.
• Regional chief should visit the Branches on Quarterly basis rather
than half yearly basis.
• Proper lunch facility should be provided to the employees.
• There should be proper check and balance on all working of
employees.

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INTERNSHIP REPORT
• Though already working staff is efficient but Problem of insufficient
staff should be solved regarding some departments.
Limitations
• To get information from Website of Faysal Bank limited I found this
site giving error for a lot of time.
• There is not separate website of Faysal bank limited Rahim yar khan.
• During internship I was not allowed to visit Cash department and view
its functioning internally.
• In some departments due to insufficient staff there is a lot of
burden on employees and mostly they have no time to describe in
details about functioning of their departments. That is why we have
to learn on our personal observation and keenness.
• We are told not very much about processing

KhanCampus 99
INTERNSHIP REPORT
Reference:
• Miss Shumaila (CSD)

• Sir Awais & Sir Numan (Auto Finance)
• Sir Moin Sheikh (PFD)
• Miss Sumera & Sir Ahmed (CAD)
• Sir Rizwan (Western Union & Locker)
• Sir Kamil & Sir Wasim (Clearing House)
• Sir Fahim Abassi (Agriculture Department)
Web Site:
www.faysalbank.com
www.google.com
www.wikipedia.com

KhanCampus 100

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INTERNSHIP REPORT

Company Faysal Bank Limited

2007 Sales: 14,971,000,000

Major Industry: Financial

Sub Industry: Commercial Banks

Faysal Bank Limited

The Islamia University Of BWP RahimYar

Faysal Bank Limited (the Bank) is engaged in commercial, consumer and

The Bank operates in four segments:

The Islamia University Of BWP RahimYar

Medium to Long Term: "AA" (Double A)

Short Term: "A-1+" (A-One Plus)

The Islamia University Of BWP RahimYar

Highest certainty of timely payment. Short-term liquidity, including internal operating

To be the bank of first choice with the highest ethical

The Islamia University Of BWP RahimYar

To excel in providing innovative, value-based banking solutions

The Islamia University Of BWP RahimYar

The Islamia University Of BWP RahimYar

Our goal is to respond to a rapidly changing business environment in a timely manner, to

Corporate Social Responsibility

We commit to creating a dignified workplace based on honest, open and respectful

The Islamia University Of BWP RahimYar

The Islamia University Of BWP RahimYar

Syed Naseem Ahmad Chairman

President & Chief Executive

Graham Roderick Walker Director

Mohammad A.R. Hussain Director

Mohammad A. Rahman Bucheerei Director

Farooq Rahmatullah Director

Tariq Iqbal Khan Director

Shahid Ahmad Director

The Islamia University Of BWP RahimYar

2 Jehlum Dina Branch92-54-4636828-32

3 Jehlum Branch+92-544-624901, +92-544-626948

4 Faisalabad Civil Lines Branch92-041-2644481-84 92-41-2644486

5 Faisalabad Liaquat Road Branch92-041-2617403-08, 92-41-2627809

6 Faisalabad Ghulam Muhammad Abad92-041-2691262, 92-41-2692814

7 Faisalabad D-Ground Branch92-041-8730403, 92-41-8732196

8 Gujar Khan Branch92-051-3514968, 051-92-51-3514613

9 Gujar Khan Branch0513-512403-5 0513-512409

10 Gujranwala Branch92-55-3730301-3 92-55-3730304

11 Gujrat Branch92-53-3536781-4 92-53-3524185

12 Islamabad Jinnah Avenue Branch92-51-2275096-99 92-51-2275095

13 Islammbad F-10 Markaz Branch92-51-2104456-57 92-51-2104459

14 Islamabad F-7 Markaz Branch92-051-2652386, 92-051-2652665

15 Islamabad I-10 Markaz Branch92-51-4102105-8 92-51-4102117

The Islamia University Of BWP RahimYar

3-G, Munawar Plaza, Markaz I-10, Islamabad

16 Islamabad F-11 Markaz Branch92-51-2228141-4 92-51-2228145

17 Islamabad F-8 Branch92-51-2817256 92-51-2817263

18 Jhang Branch92-047-7650650, 92-47-7629545

19 Lahore Thokar Niaz Baig Branch92-42-5304392 92-42-5314016

20 Lahore Shah Alam Market Branch92-042-7675503-04, 92-42-7675504

21 Lahore Bedian Road Branch92-42-5720254 92-42-5740237

22 Lahore Urdu Bazar92-42-7314616-20 92-42-7314629

23 Lahore Johar Town92-42-5301392-93 92-42-5301393

24 Lahore Shahdara Branch92-42-7902501-508

25 Lahore Ichra Branch92-42-7569934-35 92-42-7580488