PROJECT

: COURSE NAME

BUISNESS FINANCE

: PROJECT TITLE

FEATURES OF STOCKS AND BONDS

: INSTITUTE NAME

COMSATS INSTITUTE OF INFORMATION TECHNOLOGY

 Project Title:

Stocks and certificates available in Pakistan

Submitted To:

Ms. Hina Iqbal (Lecturer of Business finance)

Submitted By:
MR.QAMAR-UZ-ZAMAN
Roll # 008
BBA Batch # 4
Registration # bbasp09-008

Date of Submission:
DECEMBER10. 2010.

COMSATS Institute of Information Technology Sahiwal

 Rafhan Maize Products Company Ltd

HISTORY :

Rafhan Maize Products Company Ltd., is located at Faisalabad, about 1100

kilometers north of Karachi, in Pakistan. The Company processes thousands of tons
of corn every year to produce high quality food ingredients and industrial products
Rafhan Maize is the pioneer in producing diversified type of starches and sweeteners
for multiple applications in more than 50 types of industries
Stocks :
The current price of stocks of rafhan is about 1955.00 . while the other changes
occoures on its daily slope

SYMBOL OPEN HIGH LOW CURRENT CHANGE VOLUME

Rafhan
89.0
Maize 2060.00 2149.00 2149.00 2149.00 1
0
Product

1 Week -1.7% 13 Weeks 26.1%

Current Price (11/16/2010): 1,955.00
4 Weeks 36.9% 52 Weeks 18.5%
(Figures in Pakistan Rupees)
Ticker: RMPL Country: PAKISTAN

Exchanges: KAR Major Industry: Food & Beverages

Sub Industry: Miscellaneous Food

11,428,104,000
2009 Sales Employees: 909
(Year Ending Jan 2010).

Currency: Pakistan Rupees Market Cap: 18,057,216,740

Fiscal Yr Ends: December Shares Outstanding: 9,236,428

Share Type: Ordinary Closely Held Shares: N/A

SNAPSHOT OF RAFHAN MAIZE PRODUCTS LTD (RMPL)

OPEN PREVIOUS CLOSE

2,060 2,060

DAY HIGH DAY LOW

2,149 2,149

52 WEEK HIGH 52 WEEK LOW

12/10/10 - 2,149 07/1/10 - 1,100

MARKET CAP AVERAGE VOLUME 10 D

19.8B 90.0

EPS TTM SHARES OUTSTANDING

140.43 9.2M

EX-DATE P/E TTM

08/12/10 15.3x

DIVIDEND DIVIDEND YIELD

100.00 4.65%

K = Thousands M = Millions B = Billions

 ‫د‬
DIVIDENDS :

The after tax profit of Rafhan Maize Products Co Limited has increased to Rs 952.553
million in the six month period ended June 30, 2010 as compared to Rs 713.069
million earned in the corresponding period last year. The company's earning per share
increased to Rs 103.13 in the period under review against Rs 77.20 in the same period
a year back

KARACHI (APP) - Rafhan Maize Products Ltd has posted a higher profit after tax of
Rs. 397.061 million for the quarter ending March 31, 2010 and declared an interim
cash dividend of Rs. 35 per share.
According to financial results of the company despatched to KSE here Monday, the
profit before tax surged to Rs. 612.197m as earning per share jumped to Rs 42.99
during the period under review.

EARNING PER SHARE :

The earning per share of the rafhan is increases in 2008 as compared to 2004

2004 2005 2006 2007 2008

72.51 66.37 87.62 117.62 140.25
TAMEER is a Microfinance

TAMEER is a Microfinance bank managed by a group of highly experienced bankers

committed to go where no (commercial) bank has gone before. It is a private commercial
Microfinance bank licensed by the State Bank of Pakistan under the Microfinance Ordnance
2001.

OPERATIONS :

TAMEER distinguishes itself from other Microfinance Banks by being one of the first nation-
wide, private sector, non-NGO transformed, commercially sustainable micro-finance
institutions inPakistan. We aim to provide dedicated services to the economically active poor
and to be demand driven, client centered and responsive to the special needs of our customers.

We serve low-income, salaried, self-employed and micro entrepreneurs men & women with a
range of financial products designed to allow them to grow their businesses and produce
significant economic multiplier effects throughout local economies. We also provide home
improvement products and term deposits.

CHARACTERSTICS :

Our key characteristic is a professional core banking competence that will contribute
to the development of micro-finance as a viable and attractive commercial activity
in Pakistan.

Tameer in November 2008 entered into an agreement with Telenor Pakistan who
acquired 51 per cent of the shares in Tameer Microfinance Bank.

The acquisition of 51 per cent of the shares in Tameer Microfinance Bank is part of
strategy to offer financial services in Pakistan.

They are offering to type of certyificates

FEATURES OF BOND :

1. Micro Mortgage Tameer Makaan

2. Emergency Micro Credit – Tameer Emergency Qarza

Micro Mortgage – Tameer Makaan

Tameer Makan is a new product launched in May 2008 to cater for the diverse needs
of Micro sector customers ranging from seasonal crop financing, purchasing shop
inventory to buying of machinery and tools for business use.

Product and Service Promise:

English Translation: “Our Property (House) Is Our Support”

Product Advantage

Loans from Rs. 50,000 upto Rs. 500,000

Lead time (availability of finance) 15 – 21 days

Loan Tenure upto 3 years

Imbedded Life Insurance

Emergency Micro Credit – Tameer Emergency Qarza

This loan provides immediate relief, to Microfinance customers in times of economic

stress, where immediate cash access is required or where the customer is trapped by
money lenders
Tameer Advantage

Service to needy customers is provided with the fastest loan in Pakistan within a
turnaround time of only 2 hours from customer's first request to the actual fund
handover at standard banking rates.

The current options available in the market, for Un-banked Micro sector individuals,
is to borrow from Money Lenders charging from between 96 to 226 percent per
annum.

Yearly Bullet and Equal Monthly Installment (EMI) Re-payment Options Yearly
Bullet and Equal Monthly Installment (EMI) Re-payment Options

Loan can be obtained for a term as short as 1 day upto 1 year

Loan roll-over after one year

Pak Elektron Limited (PEL) :

Pak Elektron Limited (PEL) is a Pakistan-based company. The principal activity of

the Company is manufacturing and sale of electrical capital goods and domestic
appliances. The Company is organized into two main operating divisions: power
division and appliances division. Power division includes manufacturing and
distribution of transformers, switchgears, energy meters, power transformers,
construction of grid stations and electrification works. Appliances division includes
manufacturing and assembling of refrigerators, air conditioners, microwave ovens,
televisions, generators and washing machines.

STOCKS :
 The stocks of pak electron are weak in the market because of the low
potential which is13.5 . The fair value of the stock is 13.40 and the
current price is 13.45.

SYMBOL OPEN HIGH LOW CURRENT CHANGE VOLUME

Pak
-
Elektron 13.45 13.69 13.32 13.40 15,600
0.05
Ltd.

SNAPSHOT OF PAK ELEKTRON LTD (PAEL)

OPEN PREVIOUS CLOSE

13.45 13.45

DAY HIGH DAY LOW

13.69 13.32

52 WEEK HIGH 52 WEEK LOW

12/11/09 - 17.55 06/30/10 - 11.20

MARKET CAP AVERAGE VOLUME 10 D

1.6B 140.6K

EPS TTM SHARES OUTSTANDING

3.25 117.4M

EX-DATE P/E TTM

10/31/06 4.1x
DIVIDEND DIVIDEND YIELD
-- --

K = Thousands M = Millions B = Billions

Changes of current stock shares :

Rate Total Market Paid-up

Date
Opening Closing Diff High Low Average Turnover Capitalisation Capital
Dec 09 13.60 13.45 -0.15 13.68 13.25 13.39 174,753 1,579,321,865 1,174,217,000
Dec 08 13.54 13.60 0.06 13.75 13.47 13.58 123,662 1,596,935,120 1,174,217,000
Dec 07 13.69 13.54 -0.15 13.64 13.45 13.52 49,737 1,589,889,818 1,174,217,000
Dec 06 13.66 13.69 0.03 13.85 13.55 13.67 43,667 1,607,503,073 1,174,217,000
Dec 03 13.78 13.66 -0.12 13.98 13.51 13.79 289,979 1,603,980,422 1,174,217,000
Dec 02 14.19 13.78 -0.41 14.30 13.75 13.98 434,692 1,618,071,026 1,174,217,000
Dec 01 14.14 14.19 0.05 14.40 14.00 14.12 123,848 1,666,213,923 1,174,217,00

DIVIDEND :

Final dividend for the year ended June 30, 2009 @ Rs. 0.95 ... Pak Elektron
Limited ("PEL" or "the Company") was incorporated in Pakistan on March 03,2009

July 27 (PPI): Picic Asset Management Company Ltd, the Investment Adviser of
Picic Investment Fund and Picic Growth Fund (PGF) declared final dividend for Picic
Investment Fund (PIF) of 25 percent (i.e. Rs 2.5 per certificate) together with the
interim cash dividend of 10 percent (i.e. Re 1 per certificate), the total dividend for the
year ended June 30, 2004 amounts to 35 percent (i.e. Rs 3.5 per certificate).
REFERENCE :
thttp://finance.kalpoint.com/highlights/corporate-news/rafhan-maize-products-after-
tax-profit-increases-to-rs-952553-million.html

http://www.tameerbank.com/emergency.htm

http://en.wikipedia.org/wiki/List_of_companies_of_Pakistan#Banks

http://www.kse.com.pk/