SWOT ANALYSIS

Strengths

FAYSAL bank has achieved marked success in its strategy of expanding and diversifying
its customer base and launching new and innovative financial products.
Based on financial strength and superior performance, Faysal Bank Limited has been
assigned the highest short term rating of A1+ (A One Plus) and AA (Double A) for the long
term by JCR-VIS (credit rating Company).
Better technology like Symbols, implementation of Financial Oracle, HRMS.
Heavy internal financing i.e. from heavily growing deposits.
Attracted big corporations like SNGPL, Attock Group of Companies, Zaver Petroleum,
etc.

Weaknesses

Weak branch network across the country.

High employee turnover.
Low number of ATMs.
Attracting only upper and middle class customers.
Market share is declining from new competition.
Employees frustration due to excessive work burden.

Opportunities

It can capture agriculture market by offering innovative agro-finance products.

Impressive print and electronic media campaign highlighting FBLs role in the
development of rural economy of Pakistan can give it competitive edge over itscompetito
rs.
Through re-branching, FBL can capture lot of new customers.
Merger with Barclays or Bank of China to become part of larger international banking
network and to increase the profit.

Threats
 Declining trend in banking sector, which can affect it to large extent because of its big
corporate customers which are few in number.
Decreasing trend in Earning per share and stock prices.
Moving of key employees, e.g. Corporate Relationship Managers, which means moving
of corporate clients to other banks.
New incoming local and especially foreign banks are making tough competition among
banks

Products and Services

A progressive bank striving to offer innovative products, easy accessibility, quality service &
convenience to their customers. They offer customized financing solutions with flexible criteria
and convenient loan tenures. You can avail car, home and personal loans through our various
branches. They also offer a host of Corporate & Investment Banking Services to their clients,
which include financial and corporate advisory services, along with a wide array of tools to help
them achieve their goals.

Products:

Saving accounts

Rozana Munafa Plus Account

Faysal Moavin Account

Faysal Premium Account

Faysal Izafa Account

Mahfooz Sarmaya

FCY Savings Plus Account

Consumer Loans:

Car Loans

Housing Loans
Corporate & Investment Banking:

Corporate Financing

SME Finance

Trade Finance

Treasury & Capital Markets

Agricultural Financing

Cash Management Services

Services:

Pocket Mate Visa Debit Card

Travelers Cheques

Transfer of Funds

Safe Deposit Lockers

Non-Stop Banking

PRODUCTS

Accounts

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/. Profit is calculated on monthly
minimum balance. Profit is paid on six monthly basis.

Access to account through on-line banking at all Faysal Bank branches across Pakistan.

Easy access through cheque book and Pocketmate Visa Debit card. Pocketmate can be used at
more than a million ATMs and 29 million point of sale (POS) terminals around the world
Faysal Sahulat

Faysal Sahulat is a transactional account specially designed for individuals and business customers
who seek instant access to their funds at any Faysal Bank branch in Pakistan.

Features

Account can be opened with an initial deposit of Rs. 5,000. Free access to account through online
banking at all Faysal Bank branches countrywide. Unlimited transaction facilities. On maintaining
a monthly average balance of Rs. 500,000 or more following additional facilities are provided, free
of cost.

Cheque Book*.

Pay orders*

Small Locker* (subject to availability)

Visa ATM/Debit Card*

Statement of account*

Easy access through cheque book and Pocketmate Visa Debit card. Pocketmate can be used at
more than a million ATMs and 29 million point of sale (POS) terminals around the world.

Basic Banking Account

As per SBP prudential communicated via BPD circular No.30, 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 through counters/clearing are allowed in a month.
Unlimited transaction facility through ATMs. 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.
Rozana Munafa Plus Account

Rozana Munafa Plus is a savings account in which profit is calculated on day end balance, and is
disbursed on a monthly basis. It provides customer with the option of a high value, monthly profit
account.

Features

Account opening and minimum balance requirement of Rs. 100,000 for individual customers and
Rs. 500,000 for corporate customers. Profit is calculated on daily balance basis. Profit is disbursed
on monthly basis. Access to account through online banking at all Faysal Bank branches
countrywide. Easy access through cheque book and Pocketmate Visa Debit card. Pocketmate can
be used at more than a million ATMs and 29 million point of sale (POS) terminals around the
world.

Faysal Muavin

Faysal Muavin 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.

Features

Account can be opened with an initial deposit of Rs. 20,000/ No restriction on the number of
transactions. Profit is calculated on daily balance basis. Profit is paid 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 and Pocketmate
Visa Debit card. Pocketmate can be used at more than a million ATMs and 29 million point of sale
(POS) terminals around the world.

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 Profit is calculated on daily balance
basis. Profit is paid on monthly basis. Access to account through on-line banking at all Faysal
Bank branches across Pakistan. Easy access through cheque book and Pocketmate Visa Debit card.
Pocketmate can be used at more than a million ATMs and 29 million point of sale (POS) terminals
around the world.

Faysal Izafa

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

Minimum required investment as low as Rs. 25,000/. Tenure from one year to five years. Annual,
six monthly and monthly profit payment option available. Financing facility of up to 90% of the
invested amount. First cheque book is provided free on investment of Rs. 300,000/ or more. Access
to profit through online banking at all Faysal Bank branches and more than 3,000 ATMs
countrywide.

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 is 1000 units of the currency in which the
account is opened. Account can be opened in any of the following types:

Savings Account

Term Deposit Account

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.

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 in which the account is opened. Profit is
calculated on monthly average balance. Profit is disbursed on monthly basis. Tiered profit structure
providing an incentive to save more. No FCY cash deposit charges* On maintaining the monthly
average balance equivalent to USD 50k or above, the following additional facilities are provided.

Free online banking*

Priority Banking*

Borrowing in PKR upto 90% of FCY*

Preferential rates on consumer finance*

CUSTOMER LOANS

Faysal Car Finance

Features

Vehicle Type: Locally manufactured

Lease Term: up to 5 Years
Markup Rate: Variable (12Mths Kibor+5% - Annually revised)
Equity: Minimum 20%
Faysal Housing Finance

Features
 Minimum Rs.500,000/- or maximum 70% of the property value (50% in renovation)
Financing:
Repayment 1 year to 20 years
Period:
Markup Rate: Variable (12Mths Kibor+5% - Annually revised)
Repayment: Equal monthly installment
Disbursement: In single tranche 1
In tranches against approved amount 2
In tranches against approved amount, first tranche will not be more than
50% of the sanctioned facility limit or 50% of land value whichever is lower
3
In pre-agreed installment against approved amount 4

3: Faysal Finance

Features

Maximum Rs.500,000/- (up to Rs.1M in secured cases residential property)

Financing:
Repayment: Equal monthly installment
Repayment 3 Months to 60 Months
Period:
Markup Rate: Fixed (Variable in secured cases)
Residency: Pakistani / NRPs
Collateral: Liquid / Residential Property
Financing Margin: 90% & 70% (for Liquid / Residential Property)
Income Clubbing: Facility of clubbing of spouse income is available

CORPORATE FINANCE AND INVESTMENT

Corporate Financing
Faysal Bank Limited is fully geared to meet the changing economic challenges present in Pakistan.
We are ever striving to build meaningful relationships with our customers and become partners in
their growth and progress by acting as financial advisors and consultants as well as financiers. Our
Corporate Finance Group extends both short and long term financing facilities designed to fulfill
the individual need of each corporate customer.

SME Finance

Small and Medium Enterprise (SME) unit of the Bank is geared towards catering to the banking
requirements of small to medium businesses in a timely and therefore cost effective manner. All
the branches of Faysal Bank are equipped to speedily attend incoming financing requests from
SMEs. We help our customers grow from strength to strength by acting as their bankers and
financial advisors.

Trade Financing

Faysal Bank has established a strong presence globally in Trade Financing through its network,
affiliates and correspondents. The Bank has conveniently maintained relationships with major
banks in the international financial market and continues to develop new ones wherever needed.
Our Trade Finance services include a full range of import, export and guarantee products, thus
offering tailor-made solution to fit the individual need of each customer.

Treasury & Capital Market

Faysal Bank's Treasury is one of the leading market makers in quoting competitive prices in all
major currencies and provides dynamic corporate and institutional marketing teams with up-to-
date market information. Our cutting edge is the in-time advice and execution of deals for our
customers.

Faysal Bank's treasury team strives to satisfy the customer's financial needs in a timely and a
flawless manner. Faysal Bank has earned immaculate reputation in the field of Capital Markets,
which is quite evident from our track record and market share in this area.

Investment Banking

With the ever-changing business environment in Pakistan, companies need expert partners with a
keen understanding of business to help achieve profit objectives. At Faysal Bank, we offer the
leaders of businesses and institutions, corporate advisory services and a wide array of tools to help
them accomplish their goals. We advise and facilitate the arrangement of commercial paper,
syndications, mergers, acquisitions and underwriting arrangements amongst many others. Whether
the customers require financing of a project or managing of investments, we can guide them
through the markets and tailor a solution to meet their specific needs.

Cash Management

Faysal Bank's Cash Management department has emerged as one of the leading cash management
solution providers in strategic markets such as local corporate, multi-national companies, and mid-
tier markets. Faysal Bank's role in these segments span the entire spectrum of services including
but not limited to Strategic Receivables/Payables Management, Corporate Electronic Banking,
Payroll and Fund Management Services, Dividend Processing, and Process Re-engineering.
Success of Cash Management services is primarily attributable to its focus on providing
streamlined and customized solution that add value to business process of its clients.

Agricultural Financing

Faysal Bank offer specialized products for the agricultural sector. All of our branches located in
agricultural areas of Pakistan are equipped to help the local farmers improve their yield and
methods of farming by offering timely and affordable modes of financing to suit their needs.
To increase its outreach into agricultural regions of Pakistan, Faysal Bank has entered into strategic
partnership with the specialized entities engaged in the Agro related sup-plies & services.

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 worldwide 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.

Travelers 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 cheque book.

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 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.