Soneri Bank Limited was formally incorporated on September 28, 1991.

The first Branch commenced operations in Lahore on April 16, 1992, followed by the launch of Karachi's first Branch on May 09, 1992. The bank currently operates 191 branches, spread all over Pakistan including the Northern Areas of the country. The banks expansion policy is based on the principle of maintaining a balance between the urban and rural areas.

We take great pride in offering services even in the remote areas of Pakistan. Our fully airconditioned and computerized branches provide a pleasant, convenient and hassle free banking experience every time.

The essence of our business philosophy is to cater to the banking requirements of small & medium sized entrepreneurs, effectively providing them qualitative & competitive services with emphasis on encouraging exports. Nearly forty percent of our credit portfolio is related to export financing and credit decisions are taken within 48 hours.

Lockers
Specially designed lockers of various sizes to meet the requirements of applicants are available at our designated branches. The lockers may be operated during the banking hours of the branch.

ELIGBILITY

Only Account holders of our branches are eligible to apply for renting the Safe Deposit Lockers.

ALLOTMENT OF LOCKERS

A locker of the size of applicants choice shall be allotted subject to its availability. Banks prescribed License Agreement on Stamped Paper to rent the Locker is required to be executed by the applicant with cost thereof payable by the applicant. Key Deposit money as per our Schedule of Charges in force is payable by the renter. The Key Deposit is refundable when the locker is surrendered. In case the key to the locker is lost, the key deposit shall be forfeited.

ANNUAL FEES/RENT LOCKER

All fees for lockers (For details please refer to our Schedule of Charges posted on our web site www.soneribank.com) are payable in advance for the coming year. Fee for the locker for subsequent year shall be automatically debited to the locker renters account on its next renewal dates. It is the sole responsibility of locker renter to make available sufficient balance in the account for recovery of annual rents. Where locker holders account reflect insufficient balance on the due dates of lockers fees/rent operation on the locker shall be allowed once the outstanding fee/rent has been paid. In the event of persistent default in payment of locker fee/rent the bank reserve the right to break open the locker in terms of the terms and conditions governing renting of lockers.

KEY LOST BY LOCKER

In the event a locker holder reports loss of locker key, it must be done in writing by him with request to change the lock by break opening the locker which shall be carried out in the locker renters presence. Breaking and lock replacement charges are recoverable from the renter.

Human Resource Division (HRD), a strategic function of Soneri Bank, strives towards achieving excellence in the management of the Banks most valuable assets its people. HRD is committed to recruiting the best human resource from around the country, and developing them continuously to become experienced and seasoned bankers. The main focus of the HRD is to formulate and implement strategies and practices to serve and develop our employees. Through its dynamic and committed people, Soneri Bank has the capacity to adapt to fast changing business environment, and the competitive edge in banking industry. If you believe that you have what it takes to be a part of this family of dynamic professionals, you are welcome to apply at Soneri Bank by creating your resume and applying with us online through this portal. facilities such as:

Chequing Account facility with no limit on a number of transactions Free Cash Deposit and Withdrawal facilities through your bank branch Free Clearing facility to deposit cheques of other banks within the city Online Funds Transfer through Cheques to any account across Pakistan through your bank branch Online Cash Deposit, Withdrawal and Funds Transfer through cheques from any of our branch across Pakistan Remittance facilities such as Payment Orders, Demand Draft, Telegraphic Transfers and Free Rupee Travelers Cheque through your bank branch Standing Orders facilities Safe Deposit Locker at designated branches Statement of Account on six monthly basis Usage of Electronic Banking through: o ATMs across Pakistan owned by Soneri Bank and other banks o Shopping/purchasing/payments through outlets displaying ORIX sign o Free Online Cash Withdrawal facility upto Rs. 300,000/- from designated branches without Cheque Book o Free 24-hours Telephone Banking and Call Centre facility o Free 24/7 Online Funds Transfer to any customer of Soneri Bank through ATMs owned by Soneri Bank o 24/7 Online Inter Bank Funds Transfer through ATMs owned by Soneri Bank to any account of increasing list of enabled 1 LINK member banks o Utility Bill Payments through ATM, Internet Banking and Call Centre

o Free 24/7 Internet Banking All purchases and cash withdrawals made with the Soneri Banking Cards is deducted directly from your bank account Free Cash Withdrawal on ATMs owned by Soneri Bank Govt. Withholding Tax apply on all cash withdrawals and profit credited into account Zakat is deductable from Account however Zakat exemption forms are accepted

SHARING PROFIT/LOSS:

No minimum balance is required to qualify for profit Provisional rates are announced on a six monthly basis however profit/loss earned/incurred on PLS Savings Bank Accounts are determined by the Bank at its sole discretion on the basis of its net working result at the end of each half-year/ year Calculation of products on PLS Saving Bank Accounts is computed for each calendar month on the lowest credit balance in an account Profit/loss earned/incurred on PLS Savings Bank Accounts are credited/debited on a six monthly basis within a reasonable time from the date of the close of half-yearly/ yearly books of accounts of the Bank

Provisional Rates ANNUALISED RATES OF EXPECTED PROFIT FOR DIFFERENT TYPES OF PLS DEPOSITS. Effective: 01.January.2011 Period: January- June, 2011

PLS SAVINGS ACCOUNTS

Rate of Return 5.00% p.a. Rs. 5,000/= minimum balance requirement. Regular Chequing Account. Profit paid bi-annually.

SPECIAL NOTICE DEPOSITS

Period Rate of Return

7 days 30 days

6.00% p.a 8.00% p.a

Soneri Savings:
Soneri Savings Account is a flexible and fast growing cumulative profit account with a great convenience for individuals (in single or joint names), minors (to be operated by the guardian), charitable institutions, provident fund and other funds of benevolent nature local bodies, autonomous corporations, limited companies, firms associations, educational institutions etc. The rate of Profit in this savings scheme increases as your balance increases without demanding and negotiating with us. The account may be opened with any amount.

Soneri Savings Bank Account entitles Account Holder to avail amazing facilities such as:

Chequing Account facility with no limit on a number of transactions Free Cash Deposit and Withdrawal facilities through your bank branch Free Clearing facility to deposit cheques of other banks within the city Online Funds Transfer through Cheques to any account across Pakistan through your bank branch Online Cash Deposit, Withdrawal and Funds Transfer through cheques from any of our branch across Pakistan Remittance facilities such as Payment Orders, Demand Draft, Telegraphic Transfers and Free Rupee Travelers Cheque through your bank branch Standing Orders facilities Safe Deposit Locker at designated branches Statement of Account on six monthly basis Usage of Electronic Banking through ATMs across Pakistan owned by Soneri Bank and other banks Shopping/purchasing/payments through outlets displaying ORIX sign Free Online Cash Withdrawal facility upto Rs. 300,000/- from designated branches without Cheque Book o Free 24-hours Telephone Banking and Call Centre facility o Free 24/7 Online Funds Transfer to any customer of Soneri Bank through ATMs owned by Soneri Bank o 24/7 Online Inter Bank Funds Transfer through ATMs owned by Soneri Bank to any account of increasing list of enabled 1 LINK member banks o Utility Bill Payments through ATM, Internet Banking and Call Centre o Free 24/7 Internet Banking All purchases and cash withdrawals made with the Soneri Visa Debit Cards is deducted directly from your bank account Free Cash Withdrawal on ATMs owned by Soneri Bank
o o o

Govt. Withholding Tax apply on all cash withdrawals and profit credited into account Zakat is deductable from Account however Zakat exemption forms are accepted

SHARING PROFIT/LOSS:

No minimum balance is required to qualify for profit Provisional rates are announced on a six monthly basis however profit/loss earned/incurred on Soneri Savings Accounts are determined by the Bank at its sole discretion on the basis of its net working result at the end of each half-year/ year Calculation of products on Soneri Savings Accounts is computed on daily product basis Profit on Soneri Savings Accounts is credited on a monthly basis on the provisional rate of Profit

Provisional Rates ANNUALISED RATES OF EXPECTED PROFIT FOR DIFFERENT TYPES OF PLS DEPOSITS. Effective: 01.January.2011. Period: January- June, 2011

Minimum balance requirement 5,000/-. Operational facility like Current Accounts without any restriction on amount and number of Cheques. Profit paid on monthly basis on daily products.

Balance Upto Rs. 100,000 Over Rs. 100,000 but upto Rs.1.0 Million Over Rs. 1.0 Million but upto Rs. 5.0 Million Over Rs. 5.0 Million but upto Rs. 10.0 Million Over Rs. 10.0 Million Soneri Bank Limited

Rate of Return p.a 5.00 % 7.00 % 8.00 % 9.00 % 10.00%

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$5.00

An Internship Report on Soneri Bank Ltd.

o

Shopping/purchasing/payments through outlets displaying ORIX sign

o

Free Online Cash Withdrawal facility upto Rs. 300,000/- from designated branches without Cheque Book
o

Free 24-hours Telephone Banking and Call Centre facility

o

Free 24/7 Online Funds Transfer to any customer of Soneri Bank through ATMs owned by Soneri Bank
o

24/7 Online Inter Bank Funds Transfer through ATMs owned by Soneri Bank to any account of increasing list of enabled 1 LINK member banks
o

Free 24/7 Internet Banking to view Statement of Account

All purchases and cash withdrawals made with the Soneri Banking Cards is deducted directly from your bank account

Free Cash Withdrawal on ATMs owned by Soneri Bank

Facility of Running Finance can be requested for specific purpose against collaterals and nominal markup rates being charged on quarterly basis

Govt. Withholding Tax apply on all cash withdrawals and profit credited into account Profit & Loss Savings Account

PLS Savings Bank Account is a simple, straight forward Savings Bank Account with a great convenience for individuals (in single or joint names) minors (to be operated by the guardian) charitable institutions, provident fund and other funds of kind nature local bodies, limited companies, firms associations, educational institutions, etc.

The account can be opened with a minimum amount of Rs. 5000/- (Rupees five Thousand). Rs.25 will be deduct per month if balance decrease from Rs.5000. All other features of Profit & Loss Saving account are same as Current Account.
SHARING PROFIT/LOSS:

Minimum balance of Rs. 1,000/- is required to qualify for profit

An Internship Report on Soneri Bank Ltd.

Profit/loss earned/incurred on PLS Savings Bank Accounts are credited/debited on a six monthly basis within a reasonable time from the date of the close of half-yearly/ yearly books of accounts of the Bank Term Deposit Account

Term deposit is offered by Soneri Bank to Individuals (in single or joint names), Minors (to be operated by the guardian), Charitable Institutions, Provident Fund and other funds of benevolent nature local bodies, Autonomous Corporations, Limited Companies, Firms, Associations, Educational Institutions etc who have the intention of retaining their savings for a fixed period thereby earning a higher rate of profit. The Term Deposit allows you to save a fixed amount in Pak Rupee for a set period ranging from 1 month to 60 months at a provisional and attractive profit rate. The depositor has the option to reinvest the deposit automatically with or without profit. Automatic renewals: Upon maturity, your deposit is automatically renewed for the same tenor at the prevailing profit rate unless you instruct otherwise. Pre-matured Encashment: Pre-matured encashment is allowed without any penalty however you will receive profit less than originally contracted. Running Finance facility: You can use your Term Deposit as collateral to apply for Running Finance facility.

Govt. Withholding Tax apply on all cash withdrawals over Rs. 25,000/- and profit credited into account

Zakat is deductable from Account however Zakat exemption forms are accepted
SHARING PROFIT/LOSS:

Calculation of products on Term Deposit is computed on a daily product basis

An Internship Report on Soneri Bank Ltd.

Term Rate of Return p.a 1 month 4.50 %. 3 month 5.00 %. 6 month 5.50 %. 1 year 6.00 %. 2 years 6.25 %. 3 years 6.50 %.

4 years 6.75 %. 5 years 7.00 %. Basic Banking Account: Soneri Bank Limited introduces Basic Banking Account Scheme with effect from July 01, 2006. Salient feature of the Scheme are:

Basic Banking Accounts may be opened in the Pak Rupees by individuals including minors under guardianship.

The accounts may be opened by initial deposit of any amount.

No minimum balance requirement is applicable.

Basic Banking Account is non-profit bearing account.

4 withdrawals from a Basic Banking Account through cheques in one calander month are free of service charges. Additional withdrawals through cheques in a calander of month shall be subject to service charge @ Rs. 25/- per additional cheque.

Soneri Banking Cards for the use of Bank's Electronic Banking Service are issued without charges for one time issuance of the cards.

unrestricted number of withdrawals from the account through ATMs are permissible subject to applicable per day withdrawal limit for amounts in force.

Cash withdrawals from Soneri Bank's ATMs are free of Service Charge. Use of another bank's ATMs shall be subject to Service Charges applicable.

Account have -NIL- balances for six consecutive months shall be closed without prior intimation.

Statement of Accounts are provided once a calander year at the year end.

Due to growth plans of the new management which included addition of online branches and value added service offering and the ever growing processing & storage demands which the present hardware was not capable of handling. Soneri Bank decided to revamp their data Center hardware with new hardware which not only easily handled the expected workload but will have the scalability to handle future IT demands of the bank. Soneri Bank, along with being one of the leading banks in Pakistan, is also one of the pioneers of using the latest technologies in the entire industry. They will be the first bank to deploy fully encryption-capable storage solutions. VISA requires all member banks to encrypt their data residing on any storage system to comply with Payment card industry Data Security Standard. Newly introduced brocade Encryption-capable SAN switches were added to the solution to meet the demands of compliance with regulatory mandates, industry standards of data confidentiality, and valuable digital assets protection. Soneri Bank selected IBM eX5 servers for its high benchmarks which will not only give them enhanced processing power and scalability but will also provide enhanced I/O performance due to SSD drives. Soneri Bank is expecting 3 times the performance enhancement which will ease the workload and also result in improved response to end customers. Soneri will get a major revamp in storage performance by installing one of the fastest storage systems across the storage industry in shape of DS8800s.This will reduce the teller time, time on counter and improve the over all service standards for the banks in addition to the growth the bank is foreseeing in years to come. IBM will be providing 24/7 support on the HW/SW services. IBM Business Partner, Selling Business Systems, helped close this deal.

Picture shows (seated from left) Mr.Amin Feerasta, Senior EVP, Soneri Bank Limited (SBL),Mr.Humayun Bashir, CGM, IBM, Mr. Atif Bajwa, President & CEO, SBL, Mr.Muhammad Haider Devjiane, EVP & CIO ,SBL , and Mr. Qamar Wahab, Senior EVP , SBL, along with Mr.Muhammad Ovais, CEO, Selling Business Systems (Standing second from left) with respective teams.

Main Branch Address: 87 Shahrah-e-Quaid-e-Azam Lahore Telephone No: ((+92) 42) 36368141-48 Fax No: ((+92) 42) 36303266, 36368138 Email: main.lahore@soneribank.com