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Bank AlFalah

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Rabiya mohsin

on 12 February 2016

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Transcript of Bank AlFalah

Bank AlFalah
“There is only one
way the way forward.”

CORE VALUES
Customers Satisfaction
Facing Challenges
Integrity and Transparency

STRATEGIES
Long lasting relationship.
Services to corporate clients.
Skilled and Professional experts.
Islamic Banking.

HISTORY
Commenced on June 21, 1997

vision
TO INSPIRE AND EMPOWER PEOPLE TO DO THINGS DIFFERENTLY AND SHAPE THEIR OWN PATH IN LIFE AND BUSINESS.

GOALS

Financial Strength and Profitability.
Customer Satisfaction.
Expanding Branch Network

OBJECTIVES
Profitability
To optimize the use of resources.

mission
TO LOOK AT THE MARKET WITH FRESH EYES TO FIND NEW OPPORTUNITIES AND SEEK NEW WAYS OF ENABLING ITS CUSTOMERS TO SUCCEED AND ADVANCE IN WORLD OF FINANCE.

BCCi


(Bank of Credit and Commerce International)
HCEB

(Habib Credit and Exchange Bank)
Bank AlFalah

Departments
MARKETING DEPARTMENT
Advertisement on TV Commercials, Radio, Bill Boards, SMS and Internet
Sponsoring Matches and Fashion Show.
Rising Talent Initiative.

HUMAN RESOURCE
DEPARTMENT

Reference based.
Advert on Employee Portal
Code of Conduct and Duties
in Job description.


Benchmark for appraisal is Job description.
Subjective and Objective approach (system results)
Performance report.


Financial
Non Financial

LEARNING AND DEVELOPMENT DEPARTMENT
It provides best training facilities to their employees.
They provide learning through multiple intelligence.
Classroom based training
Video based training, etc.


Our Super Learning Team

TREASURY DEPARTMENT

Depositors are the main source of finance.
Stockholders finances the bank (51% depositors & 49% public) .
Bank also invests in other companies and banks.
Bank also issue bonds.


Regulates and manages cash flow and also reserve a certain amount.


Treasury department is responsibility of finance department to make budget.
Plans about the use of profit.
Decides how much money should be placed in Automated Teller Machine(ATM)

SERVICES DEPARTMENT

CONSUMER BANKING:
For individuals.
“customers are its main assets.”
Traveler’s cheque, mortgages, home equity loans etc.
CORPORATE BANKING:
For businesses.
Loans, trade finance, commercial real estate, term finance(long & short
E-BANKING:
Secure & error free banking.
ATM cards can be used in 150 countries.
Online banking, ATM cards, swapping machines etc

Launched in 2003.
According to the principles of sharia.
Sukuk, mudarabah, musharakah, takaful etc.

ISLAMIC BANKING:


CONVENTIONAL BANKING:
Budgeting
Cash Management Unit

sources of finance

motivation

SELECTION:
TRAINING:
APPRAISAL:


RECRUITMENT:


PRODUCTS
&
SERVICES
CONVENTIONAL BANKING:

Current account, saving account, fixed deposit account.
Kamyab karobar account.
Lockers.
Car financing.
Online banking.

ISLAMIC BANKING:

Mudarabah.
Musharakah.
Qarz-e-hasana.
Takaful.


Islamic Banking
Agri – loans
Providing loans to small enterprises
Laying gasoline pipelines in rural areas with SNGPL


Products innovation:
Bank AlFalah is introducing new products since 1997
INNOVATIONS
Board of directors take long term decisions.
Branch manager distributes the tasks among the branch employees.

DECISION MAKING PROCESS
TEAM BUILDING PROCESS
Team is a group of individual with complementary skills who work together for accomplishing goals.
Teams should be combination of juniors and seniors
If some employee is working good they should be encouraged.


STRENGTHS
Rapidly expansion.
High excellence services.
ATM cards are globally used.
Types of banking:

WEAKNESSES
OPPORTUNITIES

Government policies.
Promoting information technology.
Increase in market campaign.

THREATS
Bank AlFalah needs innovation policies in order to compete with the competitors
The major threat for bank AlFalah is privatization of competitors of bank AlFalah.

Conventional banking.
Consumer banking.
Corporate banking.
E-banking.
Islamic banking.
People are not properly introduced to the services of the bank.
Late working hours of employees.
The bank is really crowded during peak banking hours.
Computers are not up-to-dated.

EXISTENCE INTO CONTEMPORARY WORLD
Bank AlFalah provide its customer services according to Islamic Shariah.
Bank provide online banking to facilitate its customer.

Bank is helping small businesses and also have started scheme agri-loans.
The bank is expanding and making itself accessible to its customer.

COMPETITION:


Local & international banks:
UBL.
MCB.
Dubai Islamic banks.

35% foreign banks.
65% local banks.

MARKET SHARE:

Islamic banking.
No hidden charges.
Bonuses & incentives to employees.

COMPETITIVE STRETIGIES:
CONCLUSION
Increasing profit.
Phenomenal growth.
Challenging environment for employees.
Online banking.

RECOMMENDATIONS
Improvement of Information Technology.
Advertising.
Online banking.
Work force planning.

THANKS
For listening us…!
Full transcript