Faysal bank is a subsidiary to ITHMAAR BANK whose ultimate company is DMI group.

Faysal Bank started operations in Pakistan in 1987, first as a br set-up of Faysal Islamic Bank of Bahrain.

In 1994,it was Incorporated as Pakistani bank under the presen Of FAYSAL BANK LIMITED(FBL).

SLOGAN:Bank On Ambition

VISION :Excellence in all that we do MISSION :Achieve leadership in providing financial services in chosen markets through innovation

CORE VALUES

INTEGRITY
OUR INTEGRITY:OUR VALUE

RESPECT
OUR RESPECT: OUR DUTY

TEAMWORK
OUR TEAMWORK:OUR ASSET

PROFESSIONALISM
OUR PROFESSIONALISM:OUR COMPETENCE

Passion
Our Passion: Our Worth

Innovation
Our Innovation: Our Strength

Responsiveness
Our Responsiveness: Our Distinguisher

Compassion
Our Compassion: Our Gift

Acquisition of RBS. Corporate Social Responsibility. Enhanced Branch Network. Information Technology(IT). Launch of the Intranet Portal. Commitment to Domestic Cricket. Awards.

Products
1-Deposit products. 2-lending products.

DEPOSIT PRODUCTS
Basic Banking Account

Faysal Sahulat-Current Account

Faysal Business First-Current Account

Faysal Moavin-Saving Account

Faysal Izafa-Term Deposit

Faysal Market Link-Saving Account

Faysal Premium-Saving Account

Faysal Savings Account

Foreign Currency Account-FCY Saving Plus

Foreign Currency Account-Mahfooz Sarmaya

LENDING PRODUCTS
Faysal Bank Platinum Credit Card

Faysal Bank MC2 Credit Card

Faysal Bank Airblue Credit Card

Faysal Bank Ufone Credit Card

Faysal Balance Transfer Facility

Faysal Khushaal Kisan Scheme

Faysal Car Finance

Faysal Home Finance

services

Faysal bank offers different types of services to their consumers.They are:

Retail banking service Corporate banking service Investment banking service

Retail Banking Services

Faysal Pocketmate

Faysal Lockers

SMS Alert Service

Western Union Service

Transfer of Funds

Non Stop Banking

Corporate Banking Services

Corporate Financing

SME Financing

Trade Financing

Treasury & Capital Markets

Investment Banking Services

Project and structured finance Agency and trustee Debt capital markets

Treasury and capital market

Islamic Banking
Barkat Islamic-Basic Banking Account

Barkat Islamic-Current Account

Barkat Islamic-Saving Account

Barkat Islamic-Investment Certificate

Barkat Islamic-Foreign Currency Account

Barkat Islamic-Murabaha

BANCASSURANCE

Family Assurance Plan Education plan

Saving Plan

FINANCIAL ANALYSIS

Balance Sheet

Income Statement

Analysis

SWOT Analysis
Strengths,Weakness,Opportunities,Threats

Financially strong holding company i.e. (Ithmar bank which is owned by DMI group) .10th largest bank in Pakistan based on asset size. Faysal bank has a Short term credit rating of A1+ and long term credit rating of AA. Uses real time as well as online system.

Less number of branches as compare to its competitors.

Low number of ATMs.

The procedure and documentation for loaning is very difficult.

Increase the capacity of branch instead of going towards overstaffing. Provide online facility to every customer.

Can introduce new products and services

Declining trend in banking sectors. Decrease in customers due to less attractive policies. Introduction of new products and services by competitor

PEST Analysis

Political

Economical

Social

Technological

Americas undue influence on PAKISTAN. Increase terrorist activities. Political instability

Increase in inflation. Poor monetary policies.

IMFs influence.

Decrease in saving trends.

Frauds by customers Religious beliefs.

Halted Growth of Communication Infrastructure

Inadequate computer facilities. Inadequate IT training.

ATM in every Branch Increase in branches. Loan to students. Increase in branches.

 The salaries of employees are very attractive as compare to other Banks. Faysal bank is improving day by day due to its ditinguished products and services. The management of FBL is taking strategies steps to enable the bank to emerge as a strong and progressive institution.