soneri bank ltd

• Marium• Nimra• Zoya• Hina rahim• Shuja

mehak

• Rabia Qadir• Humna• Nida• Sadia• Rukhsana • AYESHA IFTIKHAR

Group Members

TYPES OF BANKSBroadly speaking bank can be classified into commercial banks and central bank.• The central bank has the function of controlling commercial banks

and various other economics activities.

• Commercial banks are those which provide bank services for profit.• There are many types of commercial banks such as deposit banks,

savings banks , industrial banks, agricultural banks, exchange banks and miscellaneous banks.

ROSHAN HER QADAM

Soneri Bank was incorporated on September 28, 1991 and is listed on all the Stock Exchanges of Pakistan. The controlling stake in the Bank is held by the Feerasta family.

The Bank commenced operations from its first branch in Lahore on April 16, 1992. Soneri is a fully accredited scheduled commercial bank providing a wide spectrum of retail and corporate banking services through its wide network of online branches in all major cities including Northern Areas of Pakistan.

BANK INTRODUCTION & HISTORY:

CORPORATE INFORMATION

CENTRAL OFFICE M. T. Khan Road Karachi, Pakistan

VISION

ORGANIZATIONAL STRUCTUREAn organizational structure defines how activities such as task allocation, coordination and supervision are directed towards the achievement of organizational aims

Product and Services

RETAIL BANKING CORPORATE BANKING ISLAMIC BANKING HOME REMITTANCE INVESTOR RELATIONS

RETAIL BANKING

Soneri Bank Limited offers a full range of Retail Banking services. Corporate and Treasury operations, worldwide network of correspondents and a complete range of Trade Finance products make our bank a perfect place to do trade business with.

RETAIL BANKING

RETAIL BANKING

RETAIL BANKING

RETAIL BANKING

RETAIL BANKING

RETAIL BANKING

RETAIL BANKING

We offer a wide range of banking products and services to our high end customers for their working capital and long term financing requirements. In addition, we also offer advisory, debt rescheduling and cater to capital market needs of our valued clients. Our business team is geared to meet our client’s requirements and assist in the best possible manner in making our customers grow their businesses.

Corporate Banking Corporate Banking

Islamic Banking

Islamic banking refers to a system of banking or banking activity that is consistent with the principles of the Shari'ah (Islamic rulings) and its practical application through the development of Islamic economics. The principles which emphasise moral and ethical values in all dealings have wide universal appeal.

Islamic Banking

Soneri Mehnat Wasool Remittance

Soneri Bank Limited (SBL) under the guidance of Pakistan Remittance Initiative (PRI) (a joint venture of State Bank, Ministry of Finance and Ministry of Overseas Pakistanis, Pakistan) started Home Remittance Payments Disbursement Initiative in July 2012.

Soneri Mehnat Wasool lets you conveniently receive money sent from MoneyGram, (with the presence of 327,000+ agents across 198 countries and territories), Wallstreet Finance (Canada), Golden Money Transfer (USA) and Al Falah Exchange (UAE) via more than 240 Soneri Branches nationwide

Investor relations

Soneri Bank has seen a continuous improvement in its performance over the years. This is a result of the bank’s commitment and efforts to provide excellent service to its customers. This section includes Annual Report, Quarterly Reports & Key Figures, highlighting the bank’s performance.

Ratings:Long Term: “AA-” (Double A minus);Short Term: “A1+” (A one plus) These ratings denote a very low expectation of credit risk emanating

from a very strong capacity for timely payment of financial commitments.

Credit rating.

Rating Agency:The Pakistan Credit Rating Agency (PACRA)

Account opening forms.

Accounts Opening Form Partnership

Accounts Opening Form Single-Joint

MArket share price trend

AWARDS OF SONERI BANK Soneri Bank is proud to have been honored by the CFA Association

with the ‘2011, Best Bank of the Year’ award in the medium banks’ category.

Achievements.

The bank is providing its network facilities in urban ,as well as in RURAL areas, with a strong occurrence across the country.

The bank has introduced lingering network of 233 branches and have almost 258 ATMs across the country.

ATM / Visa Debit Card

IntroductionSoneri VISA Debit Card brings you a hassle-free experience of spending and making payments countrywide. As a Soneri ViSA Classic Card and VISA Gold Card holder you can avail unmatched opportunities and benefits.

Benefits•Safer than carrying cash•Pay dinning, shopping, travelling and other bills at over 27 million outlets displaying VISA signs locally and internationally•Worldwide cash withdrawal facility at over 1.7 million ATMs displaying the sign•Ease of cash withdrawal on

VISA Classic Debit Card VISA Gold Debit Card

Cash Withdrawal Rs. 35,000 Cash Withdrawal Rs. 50,000

Purchase (Merchant) Rs. 50,000 Purchase (Merchant) Rs. 100,000

Funds Transfer Rs. 250,000 Funds Transfer Rs. 250,000

What are the available limits on Classic & Gold Card?

Which account categories qualify to obtain Soneri VISA Debit Card ?

Following are the account categories qualified to obtain Soneri VISA Classic & Gold Debit Cards: PLS Savings Soneri Savings Basic Banking Current Account Ikhtiar Current Account Soneri Sahara Account

Which account categories do not qualify to obtain Soneri VISA Debit Card ?

Following account categories do not qualify to obtain Soneri VISA Debit Card: Any Non-Personal account i.e. Companies, Organizations, Trust Account,

Government Account and Collection Account, etc. except for Sole Proprietorship accounts

Customer accounts having joint operations Dormant, inoperative, blocked or restricted accounts Partnership accounts

Sms AlertsIntroductionSoneri Bank is providing SMS Alert Service to all of our customers,  to make their lives hassle free and secure. SMS Alerts are a useful tool to safeguard Debit Card usage by providing instant updates about your financial transactions. Simultaneously it also provides the convenience to get the information of your financial transactions performed via Current and Saving accounts on your mobile phones.

Following are the Customers eligible to receive SMS Alerts Service :Customers having • Current • Saving Accounts• VISA Debit Card holdersAll eligible customers using any GSM connection (includes all Mobile SIM providers) can avail this service

Financial transactions covered by this Service include:• Cheques (Inward Clearing & Outward Return)• ATMCash Counter Transactions (Any Amount Deposit or Withdrawal)• Internet Banking, Mobile Banking, Call Center & ATM Clearing Cash

Withdrawal• Bill payment through Internet Banking, Mobile Banking, Call Center & ATM• Fund Transfers through • VISA Debit Card use at the POS machines Transactions NOT covered by this Service include:• Profit Payments• Auto Debit

Now you can ask any question regarding our presentation from our any group member.