Marketing of financial services

Thanks to our respected:

SIR, Mirza Nadeem Baig

Name:

Roll No:

Arslan Ashfaq

13-

30
Khawaja Awais

Group
Members

13-40
M.Sajid Khalil
47
Mohammad junaid
13-60

13-

Marketing of financial services

Our Topic is. .

Bank AL-Habib

Presented By:
Arsala
Arsala
n
n
Ashfaq
Ashfaq

Bank AL-Habib
Introduction of organization
Products and services

Conten
ts

Main features of products &

slogans
Marketing strategies for
products
Marketing draw backs
Swot Analysis
Recommendations
1

Introduction of Organization

Habib Esmail, founder of Habib Group, started his

career in Bombay in 1891 at the age of 13

Habib Bank Limited was established in Bombay

in 1941 by the sons of Habib Esmail.

The bank had over 30 branches operating in

India at the time of partition.

Introduction of Organization

Quaid-e-Azam Mohammad Ali Jinnah

reposed confidence in the bank by opening his
personal account.

On the creation of Pakistan in 1947 the advice

of the Quaid-e-Azam, Habib Family shifted all of
its businesses including Habib Bank to
Pakistan

Bank AL Habib Limited was incorporated in

October 1991

PRODUCTS
Individual Current Account
Current Plus Account
Senior Citizen Account
Special Saver Certificate
Monthly Saver Account
Young Savers Account
PLS Saving account

PRODUCTS

Mahana Munafa Account

Treasurer's Call

Salana Munafa Account

Home Remittance

Apni Car

Alternative Delivery Channels

Products their Features & Slogans

Individual
Account

Current

Key Features
No Minimum Balance
Free Life Insurance
Free Exclusive ATM Card
Free Online Banking
Free SMS Alerts
Free Pay Orders
Free E-Statement
Free Internet Banking

Current Plus Account

Key Features
Free ATM Card
Free Pay Orders
Free Online Banking
Free Personalized Cheque Books
Free Internet Banking.
Free SMS Alerts on transactions above Rs. 25,000

SENIOR CITIZEN ACCOUNT

Features

Savings Account For Senior Citizens of 60 Years & Above

Rate of Profit - 7.50% p.a. on Average Monthly Balance)
No life insurance cover
Profit will be automatically credited to account
Free Online Banking
Upto 90% Financing Against Deposits
Zakat & Taxes for Savings Account are applicable

Special Saver Certificate

Features
Three year Savings Certificate with six
monthly payments of profits.
The account can be opened by any;
Individual (single or joint) like
salaried person, self employed etc.
Register Partnership concern.
Public & Private Company.
Registered trust.
Government Body etc.

Monthly Saver Account

Features
A Savings Account with monthly payment of profits for all age groups.
The account can be opened by any individual (single or joint) like salaried
person, self employed, retired, housewife, minor, etc.
Expected Rate of Profit on Average Monthly Balance
@ 7% p.a. - Rs. 100,000 & Above
@ 7% p.a. - Below Rs. 100,000
Profit will be paid every month on the first working day of the following month.
No minimum or maximum balance requirement.
Free Internet Banking & E-Statements.
Customer may avail up to 90% financing on deposit

Young saver account

Features
You can open an account with as little as Rs.5/=.
rate of return on balances upto Rs. 500,000 is 8% p.a. and 7% p.a. on above Rs.
500,000 on Average Monthly Balance
Young Saversof 16 years and more will also be eligible to receive ATM Cards
and can withdraw money through ATMs, .
Bank officers will also visit your school to help you openYoung SaversAccount
and collect your deposit.
Profit would be subject to Zakat, Withholding Tax and otherGovernment
Levies unless exempted.

PLS Savings Account

Features

Profit is paid out to your Account on six-monthly basis.

There is no Minimum Balance requirement for PLS Savings Account.
The indicative rate of return on PLS Savings Account is 6.50% p.a. on Average
Monthly Balance.(The rate of profit on deposit schemes are current and
subject to change)
No Services Charges.
Free Internet Banking.
Free E-Statements.
Up to 90% Financing Available.
Free Life Insurance, Permanent Disability Benefits & Accidental Cover.

Marketing For Products

Marketing mix:
Marketing mix is the heart of the marketing. Marketers make marketing mix
decision for influencing their trade channel as well as their customers.

Products

Consumer banking
Services
Investment
Islamic Banking
Commercial banking
Home remittances

13

 Consumer banking

Auto loan
Home loan
Home buying
Home construction
Home improvement

Services

Online banking
ATM cards;
Debit cards (to Cashless Transactions)
Telebanking
Electronic funds transfer
Remittances
Life insurance

14

 Investment

Young savers account

PLs saving account and monthly profit plan
Monthly profit plan
Treasurers call
Growth certificates
Super saving account
Her mah munafa imdani main izaffa
Senior citizen account

Islamic banking

Deposit schemes
Islamic financing;
Declaration of profit;

Home Remittance

absolutely free of charge

15

Promotion
Sales promotion
Introducing innovative products

INTEGRATED MARKET COMMUNICATION

Radio
Television
Print media

16

Swot analysis
STRENGTH
Strengths of bank:
ATMs
Youngers account
More then 230 branches

17

WEAKNESSES

Credit cards

Too They are not high risk taker In business activities

Poor Marketing

Low incentives(bonuses, over time pay)

18

OPPORTUNITIES

Bank Al Habib are financing to SMEs in Pakistan

Merge with some other bank to increase the number ofits branches
in Pakistan.

19

THREATS

Expansion of the banks

More and more banks are launching there operations in Pakistan

The conventional banks those having high growth rate and high
market shares.

20

Recommendations
They do the well but there is still need to improve the business operations.

They should improve the marketing department for the promotion and the
better result for the organization

They should used the electronic media frequently for targeting the higher
class of the customers

21

 They should sponsor the events in Pakistan and also in the world for the
promotion of thebusiness.
BankAl Habib should become quick to give loans and cards.
Make Easy procedure for applying for a credit card
Give more incentives like bonuses overtime pay etc.
Make strong Self Marketing Department.

22

Any
Thank
Question
?
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