MCB

MCB is one of the leading banks of Pakistan with a deposit base of about Rs. 280 billion and total
assets of around Rs.300 billion. Incorporated in 1947, MCB soon earned the reputation of a solid and
conservative financial institution managed by expatriate executives. In 1974, MCB was nationalized
along with all other private sector banks. This led to deterioration in the quality of the Bank’s loan
portfolio and service quality. Eventually, MCB was privatized in 1991.

During the last fifteen years, the Bank has concentrated on growth through improving service
quality, investment in technology and people, utilizing its extensive branch network, developing a
large and stable deposit base and managing its non-performing loans via improved risk
management processes.

VISION & MISSION

Vision Statement
Challenging and Changing the Way you Bank.

Mission Statement
MCB Bank’s team of committed professionals is dedicated to maintaining long term customer
relationships through outstanding service and convenience.

VALUES
Trust
We are the trustees of public funds and serve with integrity & commitment. Ethical behavior is of
critical importance to us. We adopt full compliance with internal and external policies and
procedures, operating within the legal framework

Customer Focus
We continuously seek to exceed our customer’s expectations, forging and maintaining long term
relationships

Innovation
We strive to be the market leaders in innovative products and services offering customized financial
solutions with flawless execution

Teamwork
The diversity of our people is our strength. We inspire and challenge each other – working together
to achieve synergy

Achievement
Our people are our most valuable asset. We are committed to a result oriented culture. Our goals
are clear and merit is the only criterion for reward

Social Responsibility
As responsible citizens we contribute to the social welfare of the community we live in

CORPORATE PROFILE
Board of Directors
Mian Mohammad Mansha Chairman
S.M.Muneer Vice Chairman
Tariq Rafi
Shahzad Saleem
Sarmad Amin
Mian Umer Mansha
Aftab Ahmad Khan
Atif Yaseen
Dr. Muhammad Yaqub
Atif Aslam Bajwa President / CEO

Advisor
Raza Mansha

Audit Committee
Dr. Muhammad Yaqub Chairman
Mian Umer Mansha Member
Aftab Ahmad Khan Member
Mr. Tariq Rafi Member

Chief Financial Officer

Tahir Hassan Qureshi

Company Secretary
Abdus S.Sami

Auditors
KPMG Taseer Hadi & Co Chartered Accountants
Riaz Ahmed & Co. Chartered Accountants

Legal Advisors
Mandiwalla & Zafar Advocates & Legal Consultants

Registered Office
MCB Building, F-6 / G-6, Jinnah Avenue, Islamabad.

Principal Office
MCB Tower I.I. Chundrigar Road, Karachi.

Registrar's and Share Registration Office

THK Associated (Pvt.) Ltd.
Shares Department, Ground Floor
Modern Motors House Beaumont Road, Karachi.

ACCOUNTS
Saving Account

MCB’s Rupee Savings account is the most convenient way to manage your savings.
 Low average balance requirement

Enjoy unlimited free of cost transaction facility at your branch

Profit is paid on your account on a half yearly basis

Cash deposit and withdrawal facility at hundreds of MCB branches across Pakistan (conditions
apply)
Withdraw cash through Pakistan’s largest ATM network.
Make cash free transactions, from your account at thousands of merchant outlets through your
MCB Smart Card (local & international)
Stay in touch with your account through MCB’s Virtual Banking Service.
Use your account to pay your bills 24 hours a day, 7 days a week through Virtual Banking
Get instant updates about your account through MCB’s sms banking.

To open an account, contact an MCB Branch nearest to you.

That’s not all, if you want your branch to serve you from 9.00 a.m. to 5 p.m. without break, than
contact your nearest MCB Full Day Banking branch.

Current Account
MCB’s Rupee Savings account is the most convenient way to manage your savings.
Low average balance requirement.
Enjoy unlimited free of cost transaction facility at your branch.
Profit is paid on your account on a half yearly basis.
Cash deposit and withdrawal facility at hundreds of MCB branches across Pakistan (conditions
apply).
Withdraw cash through Pakistan’s largest ATM network.
Make cash free transactions, from your account at thousands of merchant outlets through your
MCB Smart Card (local & international).
Stay in touch with your account through MCB’s Virtual Banking Service.
Use your account to pay your bills 24 hours a day, 7 days a week through Virtual Banking.
Get instant updates about your account through MCB’s sms banking.
To open an account, contact an MCB Branch nearest to you. That’s not all, if you want your branch
to serve you from 9.00 a.m. to 5 p.m. without break, than contact your nearest MCB Full Day
Banking branch.

Term Deposit
At MCB, you can open an account that fits your requirements.
MCB offers a wide range of attractive term deposit schemes to suit your requirements.
Avail your choice of 1 month, 3 months, 6 months, 1 year, 2 years, 3 years, 4 years and 5 year
term deposits.
Low investment threshold.
Half yearly profit payment.
Avail a credit facility up to 75% of the total deposit value.

Special Term Deposit

MCB’s Special Rupee Term deposits offer a very attractive long term investment option with ease
and convenience.
Highly attractive profit rates.
Tenors available are 3 months, 6 months, 1, 3 and 5 years.
Profit on 3 and 6 months deposit is payable at maturity of deposit.
Profit on 1, 3 and 5 years deposit is payable quarterly.
Withdraw your amount through our wide network of ATMs.
Avail a credit facility up to 75% of the total deposit value.
Contact your branch for information on the present profit rates on offer.

Basic Banking Account

In compliance with the directives of State Bank of Pakistan via BDP Circular No. 30, issued on
November 29, 2005, the Basic Banking Account has been launched with effect from February 27,
2006.

This product has been introduced to facilitate the low income group as well as the existing account
holders who wish to convert their regular savings or current account into Basic Banking Account.

The Basic Banking Account is a current account and can be opened with a minimum initial deposit of
Rs. 1000/- only. Account holders will be allowed 2 deposit transactions (either cash or through
clearing) and 2 withdrawals (cash or clearing) each month. All customer-initiated transactions over
and above this limit will be charged a transaction fee. However unlimited free of charge cash
withdrawals are allowed through MCB's own ATMs.

There will be no minimum balance maintenance requirement, and hence no monthly account
maintenance charges will apply.

“In cases where balance in BBA remains ‘zero’ for…” a continuous 6 month period, the account will
be closed automatically, without any notice to the account holder.

All account holders who wish to convert their existing account into Basic Banking Account are
requested to contact their respective Branch Manager.

TERM LOANS
You as an individual can gain and benefit the most through MCB Consumer Banking. In MCB you get
friendly, efficient and attentive personalized banking services - a unique banking relationship
experienced by each MCB client.
Project Finance:
Fixed investment. New project may be a new plant or machinery.

WORKING CAPITAL LOANS

Based on the customers specific needs, the Corporate Bank offers a number of different working
capital financing facilities including Running Finance, Cash Finance, Export Refinance, Pre-shipment
and Post- shipment etc. Tailor- made solutions are developed keeping in view the unique
requirements of your business.

CASH MANAGEMENT
Our network of over 900 branches in Pakistan enables us to collect and disburse payments
efficiently with our cash management services. This also enables us to offer you a choice of paper
based or electronic fund transfer solutions including collection amounts, cross branch on- line
transactions etc.

INVESTMENT BANKING
Our Investment Banking Team has emerged as a leading player in Pakistan's Investment Banking
arena. The Team handles advisory, corporate finance and capital markets related transactions.
Within these areas, the team has developed expertise in:

Private Placements
Debt/Equity Underwriting
Term Finance Certificates
Loan Syndication
Arrangement of Non- Fund Facilities
Mergers and Acquisitions
Privatization
Corporate Advisory
INTRODUCTION
SCHEDULE OF BANKCHARGES

MCB now provides its customers with the reliable Islamic Financial Services and support they require
to successfully achieve their business objectives.

Islamic Banking Division was formed with effect from 1st January 2003, which in a short span of
time, has developed sufficient expertise, necessary infrastructure, information technology, and
manpower to run Islamic Banking Operation and offer Islamic Banking Products.

Islamic Banking Management Committee

The bank has established an Islamic Banking Management Committee comprising of the senior
executives representing various important functions of the bank, such as, Credit & Risk
Management, Finance, Treasury, Operations, Islamic Banking Division and Sharia Advisor.
The objective of this committee was to review the products offered by Islamic Banking Branches,
and to improve them not only to make them competitive and practicable but also make them truly
Sharia Compliant.

Sharia Advisor

Dr. Muhammad Zubair Usmani, working as Sharia Advisor in our bank since July 2000 is a prominent
scholar having Ph.D. degree in Islamic Finance as well as Fazil Takhassus from Jamia Darul Uloom
Karachi, (i.e. specialist of Islamic Fiqh and Fatawa).

He has attended and addressed several international and local seminars / conferences as guest
speaker in Pakistan as well as abroad. He has also worked as Research Scholar and member of
various forms and committees formed for promoting the cause of Islamic Banking in Pakistan and
abroad

Legal Advisor
M/s Mohsin Tayebaly & Co., Advocates & Legal Consultants, has vetted all documentation. M/s
Mohsin Tayebaly & Co. not only has expertise in legal affairs but also has competent lawyers
possessing knowledge of Sharia.

FINANCING SCHEMES
Apna Ghar Pyara Ghar
Desire a home of your own? Want to renovate your existing home? MCB Pyara Ghar now provides
you with all you want as you can renovate your existing home, buy or construct a dream house that
you always envisioned for you and your family. After all, "Apna Ghar... Pyara Ghar"

Flexible

Financing up to Rs 20 million
Financing Tenures from 2 to 20 years
Options to buy construct or renovate your house or flat
Option for partial payments
Option for early payment.

Affordable
Lower mark up rate
Loans up to 80% of the value of your house or flat
Option to club your spouse's income to avail higher financing limits
Equal monthly installments.

Speed
Fast & hassle free processing of application
Special Benefits
Hassle Free Process to transfer your similar facility from any other bank at a discount.

Ease
Doorstep service and assistance from our dedicated sales staff to fill and submit application along
with
documents.

Availability
Available in all major cities i.e. Karachi, Lahore, Faisalabad, Rawalpindi and Islamabad.

Existing Customers
Get discount if you are already a customer of similar facility of any other bank.

MCB CAR4U

Kahin na Kahin tau Hai 1 Car 4 You

Need a new car or a used one? Like locally manufactured or imported cars? MCB Car4U can give you
all ... MCB Car4U through its flexibility, affordability, speed and other special benefits makes you
keep up with the fast pace of life ... because we know Kahin na Kahin tau Hai.. 1 Car4U.

Flexible

Option for financing or leasing

Financing tenures from 1 to 7 years
Options for new as well as used cars
Option for local as well as imported cars
Financing up to Rs. 20 lacs
Option for early payment.
Option for Replacement Loan
Option for first year insurance financing

Affordable

Lower mark-up rates

Lower insurance rates
Only up to 10% down payment
Equal monthly installments.

Speed

Fast and hassle free processing of application

Priority delivery on different vehicles

Special Benefits

Option to pay your 1st installment after 3 months

Pay your down payment after your loan is approved
Availability
Currently available in 16 major cities:
Karachi, Lahore, Faisalabad, Rawalpindi, Islamabad, Quetta, Multan, Peshawar, Hyderabad,
Sialkot, Gujrat, Gujranwala, Sargodha, Mirpur (AJK), Jhelum, Sahiwal