Presented To

Our honorable and respected sir

Mr. Riaz Ahmad Mian
M.Com (Pb) M.A. (Philosophy)
M.B.A (Distinction) (Pb).

Group Members

MUHAMMAD NAVEED
MUHAMMAD RASHEED
KHURAM RASHEED

M07MBA063
M07MBA057
M07MBA061

History
Soneri Bank Limited is incorporated in Pakistan
on September 28, 1991, as a private limited
company under the Companies Ordinance, 1984.
The first Branch of Soneri Bank Limited formally
opened doors for operations in Lahore on
April 16, 1992 followed by Karachi Branch on
May 09, 1992.
The bank now operates with 89 including 4
islamic branches spread all over Pakistan

Objectives of SBL
The essence of business philosophy is to
cater the banking requirements of small &
medium sized entrepreneurs, providing
them qualitative & competitive services
with emphasis on encouraging exports.

Role of Soneri Bank in

Banking Sector
After establishment in the year 1991, Soneri
bank is playing an important and active role
in banking sector of Pakistan.
It is progressing in the field of automation
and related technologies.
Banks own network of ATMs now
comprise of 19, machines.
The transaction volume has touched 49000,
per month

Organizational Structure
Share Holders

Chairman /

BOD

President

SEVP Audit & Investigation

SEVP Corporate & Investment Banking

SEVP Global Treasury

SEVP Financial Control & Corporate Planning

SEVP Retail Banking

SEVP Global Operations

SEVP International & Overseas Banking

SEVP Information Technology

SEVP Credit Policy

SEVP Assets Remedial Management

SEVP Human Resource

Functional Chart of Soneri Bank,

Lahore Branch
SVP
Manager

Assistant Manager

Accountant

Head Casher

Peon

System Administrator

Security Guards

Departments

Bills Department
Cash Department
Deposits Department
Remittances Department
Human Resource Department

Credit Department

Services

Different types of accounts

Inland and foreign remittance
Issuance of bid bonds
Sale and purchase of government securities
Evening banking facilities
lockers

Accounts

Current Account
Soneri Saving Account
Fixed Deposit account
Profit and Loss Saving Account
PLS Term Deposits
PLS Saving Account
Joint Account
Call Deposits
Foreign Currency Account

Inland and Foreign

Remittances
Remittances are the transfer of funds from one place
to another through network of branches.
It also transfers funds to outside country through
foreign correspondents around the globe.

Sale and purchase of

government securities
SBP also deals in sale and purchase of government
securities like special saving certificate, defense
saving certificate &national prize bonds

Lockers
Specially designed lockers of various sizes are offered
by SBL to meet the needs of individuals. The Lockers
can be operated outside of banking hours late in the
evenings.

Financial Products of SBL

Soneri Car Finance

Soneri Ghar Finance Scheme
Soneri Personal Finance:
Rupee Travelers Cheques
Soneri ATM Service
Soneri Debit card:
Telephone banking
Online Banking

Soneri Car Finance:

With increasing demand for auto mobiles in Pakistan SBL has
offered to its customers, Soneri car finance at lowest markup
rates to cater the crying need of customers in year 2005.
The maximum finance amount is Rs. One million for brand new
unregistered cars.
Repayment period is one to five years in equal monthly
installments inclusive of markup.

Soneri Ghar Finance Scheme:

SBL provides easy and affordable credit facility to those who desire to
have an own home or make repair to home already owned through
Ghar financing scheme.
Maximum individual finance amount Rs. 5 million for purchase of
property, Repayment period for this facility is up to 20 years
Finance amount Rs. 2 million for repair and renovation. repayment
period for this facility is up to 7 years.

Soneri Personal Finance

To meet the expenses for medical, travel,
education and advance rent SBL offered easy
and affordable credit facility to their
customers through personal finance scheme.
Maximum individual finance amount Rs.
500,00 or 5 times of borrowers gross salary,
whichever is lower.
Repayment period is up to 5 years.

Rupee Travelers
Cheques
The customers prefer to carry secured way to
Cash. In this regard the bank issues RTCs of Rs.
5000 and en cashable free of any service charge
(Govt. Taxes / Duties applicable) through all
branches of Soneri Bank Limited, also payable
through Local Clearing System. When bank
issues RTCs it credits the head office account and
debit is made when RTCs are presented for
encashment. It also offered foreign currency
travelers Cheques.

Soneri ATM Service

Soneri Bank ATM Cards provide self service banking 24

Hours a day, and offers following services at touch of a
button from Soneri ATMS
Cash withdrawal
Balance Request
Cheque Book Request
PIN Changing Facility
Eligibility

Soneri Debit card

Soneri ATM Card held may be used in addition to Soneri ATM
Service, for making payments against purchases made from sales
outlets and payments to Petrol Pumps displaying acceptance of
Soneri bank
Per Day Limit For Purchases
Subject to availability of sufficient withdraw able balance in
account's linked to Soneri ATM Card, will pay a maximum
amount f Rs. 300,000/- per day for purchase against Debit Card.
What is more, the per day cash withdrawal existing limit from
ATMs may also be utilized.
Service Charge
The convenience of using Soneri Debit Card is available at a
negligible annual fee of Rs. 500/ or the prevailing fee as
published in schedule of Bank Charge.

Telephone banking

balance enquiry
today's transaction by voice
request for Cheque book
stop mark of lost Soneri banking card
change of T-pin
product information

Online Banking
Modern innovation like modem satellite
technology LANS etc have greatly helped in
establishing online banking system. In an online
system one branch can excess the records of the
other branches. The records of all branch is
integrated and it can be accessed from any
branch. Now a client is not required to stick to a
same branch where he opened the account. Under
online system he can operate his account from any
branch

SWOT ANALYSIS

SWOT Analysis

Strengths of SBL
Weaknesses of SBL
Opportunities for SBL
Threats for SBL

Strengths
Soneri bank mainly focuses on its customers.
It has policies to make their staff motivate and
devote.
It has product innovation skills and resources.
Staff is young and rich in experience and
working skills.
Computerized and reliable service of inland
remittances.

Weaknesses
The lower level management is not very good.
Physical setup of the branch is not impressive.
Customers having accounts with small amount
are not given the same attention as compared to
those with large amounts
Most of the personnel are not much qualified.

Opportunities
Soneri bank should take interest in the new market
segments like IT business and software business .
Soneri bank should extend their branches network to
other parts of the country .
It has product innovation skills and resources.
Increasing credit facilities to lower income groups.
Increasing need and potential of leasing in Pakistan
provides SBL an opportunity to utilize its skills and
efficiencies in leasing business as well.

Threats
Increasing number of private / foreign banks in
the country.
Global technology advancement.
Political, economical situation of the country.
Sharply increasing rate of Inflation in the
country.
Computerized and reliable service of inland
remittances.