2. PRESENTED BY:-
1. HAMEED ULLAH
2. KASHIF ALI
3. MEHREEN RAZA
THE BANK OF KHYBER

3. CONTENTS OF PRESENTATION
 Introduction Of Bank Of Khyber
 Mission Statement
 Vision
 Products And Services Offered By Bank Of Khyber
A. Products (Schemes):-
1. Deposit Schemes:-
I. Current Benefit Account
II. Be Baha Mahana Amdani
III. Maala Maal Munafa Scheme
IV. Regular Amdani Scheme

4. CONTENTS OF PRESENTATION
2. Advances Schemes:-
I. Car Finance
II. Commercial Finance
III. Consumer Finance
IV. Home Finance
V. Micro Finance
B. Services Offered:-
1. Online Banking
2. Islamic Banking

5. INTRODUCTION
 The Bank of Khyber was established in 1991 through Act No.
XIV, passed by the Provincial Legislative Assembly of the
KHYBER PAKHTUNKHWA Province of Pakistan.
 It was awarded status of a Scheduled Bank in September 1994.
 The Bank of Khyber enjoys a unique position, and stands out
amidst the other banks operating within Pakistan, and has the
privilege of being bracketed amongst the only three government

6. Banks of the Country.
Currently The Bank has a total Branch Network
of “62’’ Branches.
‘’26’’ of them are working as Dedicated Islamic
Branches and
‘’36’’ are working as Conventional Banking
Branches.

7. MISSION STATEMENT
 To increase shareholders' value.
 To provide excellent service and innovative
products to customers through effective corporate
governance and friendly work environment.
 To Contribute in sub-economic growth,prosperity
and economic devolopment of Pakistan.

8. VISION OF BOK
 To become a leading Bank providing
efficient and Dynamic Banking
Services in both Islamic and
Conventional Sectors.

9. PRODUCTS AND SERVICES OFFERED BY
BANK OF KHYBER
A. PRODUCTS(SCHEMES):-
1. DEPOSIT SCHEMES:-
I. CURRENT BENEFIT ACCOUNT:-
The salient features of the scheme are given below:-
 Product Name:-
Current Benefit Account.
 For Conventional Branches:-
 Eligibility :-
Current Account Holders only.

10. Minimum Deposit :-
Rs.20,000/-(for Individuals/joint).
Rs 100,000/-(For Partnership/Corporate).
For Islamic Branches:-
Eligibility :-
All Types of Accounts irrespective of
minimum deposit requirement.

11. Features :-
Free Online Transactions.
Free ATM Card for one authorized person.
Free Pay Order.
Free Demand Draft (on BOK Branches).
Actual postal charges to be recovered.
Free Statement of Account.
Personalized facility to pay Utility Bills.

12. BE BAHA MAHANA AMDANI SCHEME
Salient features of the Be-Baha Mahana Amadani (BBMA)
Scheme:-
1. Maturity:- 3 months, 6 months and 1 year.
2. Minimum Deposit:- Rs. 1,00,000/-.
3. Interst Rate:- 10.50% per annum for 3 months,11.00% per
annum for 6 months and 11.50% per annum for 1 year.
Value added features:-
1. Free issuance of Cheque-book
2. Free issuance of ATM Card
3.Free quarterly statement of account
4.Profit payable on monthly basis
5.Zakat will be deducted as per government rules

13. MAALA MAAL MUNAFA SCHEME
Salient features of the Maala Maal Munafa Scheme
(MMMS):
 Maturity:- Two years.
 Minimum deposit requirement :- Rs. 1,00,000/-.
 Interst Rate:- 10.00% per annum for the First Year,
11.00% per annum for the Second Year and for Senior
Citizens 11.25 % per annum for the First Year and
11.50 % per annum for the Second Year.

14. Value Added Features:-
Profit payable on monthly basis.
 Financing Facility will be made available to the depositor as
per the relevant rules for advances.
 With-holding tax and Zakat to be deducted as per the
Government rules.
 Pre-mature withdrawals to be allowed at the last declared
rates.

15. REGULAR AMDANI SCHEME
Salient features of the Regular Amdani Scheme:-
Maturity:- 5 years.
Minimum deposit:- Rs 100,000/- for individuals and Rs
10,00,000/- for corporate.
 No premature termination prior to completion of one full
year.
 If terminated before completion of one full year
period,(continue ….

16. any profit disbursed will be deducted from principal at settlement.
 Value Added Features:-
With holding Tax and Zakat to be deducted as per
government rules.

17. FOREIGN CURRENCY DEPOSIT SCHEME
• Foreign Currency Current Accounts
• Foreign Currency Saving Accounts
• These
accounts are available in US Dollar, Pound,
Sterling and EURO. Interest rates on Saving
Accounts are announced on monthly basis.

18. CAR FINANCE
1. Branches Offering Car Finance:-
All BOK Conventional
Branches.
2. Eligibility Criteria:-
a) Nationality:-
All Pakistani having computerized National Identity Card.
b) Age of applicant:-
21 to 55 years for salaried person and 21 to 60 years for
businessman / self employed persons.
c) Income:-
i) Salaried Persons:-
Monthly take home salary should be 2/3rd times of the
amount of monthly installment.
ii) Self Employed/Business Persons:-
Average monthly verifiable income
should be 3 times of monthly installment. Individuals who earn less than Rs.
15,000/- per month or Rs. 180,000/- per annum shall not be eligible for
financing.

19. • 3. Maximum limit:-
Rs.1.20 Million
4. Title of the Vehicle:-
Title of the vehicle shall be joint i.e. The Bank of Khyber and the Client.
5.Required Documents:-
• Clients request
• Borrower Basic Fact Sheet
• Account statement for the past 6 months
• Application of finance on prescribed format
• Proof of income i-e salary slips, income tax return or affidavit, whichever is
applicable
• Attested photocopy of valid CNIC
• 01 passport size color photograph
• Copy of Valid Driving License
• Quotation from authorized dealer.
• Copy of valid CNIC & income proof of guarantor

20. • 06. Repayment Frequency:-
• Monthly installments through post dated cheques
• Time Period 01 – 05 years
07. Penalties etc:-
A penalty of 2% over and above the levied mark up will be
charged on each delayed installment.
08. How to Apply:-
Through BOK Conventional Branches where application form is
available in all branches.

21. COMMERCIAL FINANCE
• :: Running Finance:-
This is a working capital finance facility available for one year
and renewed subject to satisfactory utilization thereof.
• :: Cash Finance:-
Cash finance is extended to manufacturing concerns for
meeting their seasonal requirements (against pledge).
• :: Export Refinance:-
This facility is encouraged to boost exports of the country.
Funds are made available from SBP credit facilities.
• :: Demand Finance:-
It is a term loan disbursed in lump sum and repayable in the
form of monthly or quarterly installments

22. • :: Loan Against Salaries:-
BOK provides loan against salary to employees of Government / Semi- Government
organizations for personal domestic consumptions. The employee must be confirmed
having minimum of three years of service. However, the remaining service period of
the employees must not be less than terms of the loan. To avail this facility, the
employee must be account holder of the bank. Loan limit is up-to 15 Take Home
Salaries but not exceeding Rs. 1.00 million. This facility is available for a maximum
period of 4 years but can be allowed for a shorter period.
• :: Agriculture Credit:-
• Sada Bahar Zarai Loan:- Designed to serve the working capital requirements of
Agriculture Based activities especially, the cost of various inputs including seed,
fertilizers, pesticides, labor, utility charges etc.
• Khyber Tractor Loan:- This Scheme is aimed at financing of Tractors required by
the farming community. The intending borrower can select a tractor of his choice
from the open market or through booking from a Manufacturer.
• Tube Well & Farm Machinery / Equipments Loan:- This product is aimed at
mechanization of the agriculture activities and can be used for financing of Tube
Wells and other farm machinery like Tractor trolleys, Threshers, Blades, Ploughs,
etc.

23. CONSUMER FINANCE
• INTRODUCTION:-The Bank of Khyber is offering Consumer Finance to the general
Public and Government Employees for meeting their personal and domestic financial
requirements.
• LOAN AGAINST SALARIES:-
• The Bank provides loan against salary to employees of
federal / provincial governments, autonomous & semi-autonomous bodies and
corporations listed on stock exchange for personal and domestic consumptions.
• Branches Offering Loan Against Salaries:-
All BOK Conventional Branches
• Eligibility Criteria:-
• a) Nationality:-
All Pakistani residents holding computerize National Identity Card
• b) Age of applicant:-
21 to 55 years
• c) Period of Employment:-
Salaried persons having an employment history of at least 3 years or more in a
permanent cadre.

24. • d) Income:-
Monthly take home salary after the deduction of Salary finance installment should not
be less than 2/3rd of the total salary. Moreover, the proposed loan installment plus
other finance facilities’ installments (if any) should be less than 50% of the take
home salary / income.
• Maximum limit:-
15 Take Home Salaries (Maximum limit up to Rs. 1.00 Million).
• Required Documents:-
• Clients request
• Borrower Basic Fact Sheet
• Account statement for the past 6 months
• Application of finance on prescribed format
• Proof of income i-e salary slips
• Attested photocopy of valid CNIC
• 01 passport size color photograph
• attested photocopies of CNIC of two references
• Copy of valid CNIC & income proof of guarantor

25. HOME FINANCE
SUHANA GHAR
• 1. Branches Offering Housing Finance. All BOK Conventional
Branches.
• 2. Bank’s policy on Mortgage Financing:-. The house financed by the Bank’s
shall be mortgage in Bank’s favor by way of equitable and/or Registered Mortgage.
• 3. Eligibility Criteria:-
a) Nationality;-
All Pakistani residents holding a valid computerized National
Identity Card
b) Age of applicant:-
Between 22 and 55 years

26. • c) Period of Employment/ Engagement in business or profession
Salaried person having an employment history of at least 5 years or more with a
continuous employment of 2 years with the same employer. Self employed and
business persons engaged in a profession or business for at least 5 years.
d) Income:-
i) Salaried Persons:-
Monthly take home salary should be 2/3rd of the amount of monthly installment.
ii) Self Employed/Business Persons:-
Average monthly verifiable income should be 3 times of monthly installment.
Individuals who earn less than Rs. 15,000/- per month or Rs. 180,000/- per annum
shall not be eligible for financing.
e) Purpose:-
Financing shall be allowed for House Purchase, Construction and
Renovation.
4. Maximum limit:-
Rs.10.00 Million

27. 
5.Schedule of Charges:-
• Processing charges 0.1% of the facility amount
• Early termination / settlement charges – to be calculated on daily product basis
• Partial payment charges 5% of the amount to be adjusted
6. Required Documents:-
• Clients request
• Borrower Basic Fact Sheet
• Account statement for the past 6 months
• Application of finance on prescribed prorforma
• Proof of income i-e salary slips, income tax return or affidavit, whichever is
applicable
• Attested photocopy of valid CNIC
• 01 passport size color photograph
Property Documents:-
• NOC from the concerned Authority to mortgage where applicable
• Property valuation certificate from bank approved evaluator
• Copy of valid CNIC & income proof of guarantor.

28.  7. Repayment Frequency:-
• Monthly installments through post dated cheques
• Time Period 1 – 15 years
8. Rates and Charges of Agencies other than BOK:-
• Evaluator Fee as Actual
• Lawyer Fee as Actual
9. Penalties etc.
A penalty of 2% over and above the levied mark up will be charged
on each delayed installment.
10. How to Apply:-
Through BOK Conventional Branches where application form is
available at all Branches.

29. MICRO FINANCE
 INTRODUCTION:-
 Micro Finance has proved to be one of the most effective tools,for
facilitating economic devolopment through increased access to financial activities.
 The economic landscape of Khyber Pukhtunkhwa is characterized by a no of small
scale economic activities and enterprises but in the past no attention has been
given to this sector of economy.
 AIM OF BANK OF KHYBER:-
 Bank of khyber aims to become the largest micro
finance providing commercial bank in Khyber Pukhtunkhwa.
 OBJECTIVE OF BANK OF KHYBER:-
 Our main objective is to provide access to
Financial Services to low income segment of society,to raise their standard of living
with great emphasis on women.

30.  MISSION OF BANK OF KHYBER:-
 To contribute in poverty alleviation through income
generated activities by the improvement of employment opportunities by supporting and financing
micro enterprises.
 MICRO FINANCING BY BANK OF KHYBER:-
 Contributing significantly to income and employment generation,the Bank Of Khyber considers the
promotion of micro enterprises as one of the alternative economic devolopment stategy.
 BOK launched microbusiness devolopment in ‘’1995’’.
 This was the first formal and structured initiative by a commercial bank to strengthen the area of
micro enterprises.
 It was further strengthened by Multilateral institutions like Asian Devolopment Bank(ADB) and
German devolopment bank through credit lines and technical assistance.
 LOAN ADVANCED BY BOK AS MICRO FINANCE:-
 BOK advanced loans of Rs 1.3 Billion to more than 27,000 borrowers with majority of loans
below Rs 50,000 per client.

31. SERVICES OFFERED BY BANK OF KHYBER
1. ONLINE BANKING:
 The Bank of Khyber offers Online Banking
Facility to its customers at branches all over Pakistan.
 Cash may be accepted at a branch for crediting accounts at another
branch, Cheques can be paid by a branch by debiting the customer’s account
at another branch.
 Following facilities are available at The Bank of Khyber’s Online Program
for its customers:
Cheque Encashment
Cash Transfer:-
Transfer of Funds through Cheques between Branches.

32. SERVICES OFFFERED BY BANK OF KHYBER
2.ISLAMIC BANKING:
 OUR VISION:
To be the Premier Islamic Bank providing innovative
Financial Services, based on the Principles of Shariah.
 OUR MISSION:
To translate true Islamic economic principles in to
practice, with firm beliefs to establish an economic system
based on the Final Revelation.
 By partnering with our customers in Halal earnings with
employing best business practices, the latest financial
services technologies and placing our trust in Allah we are
confident of our success in achieving constant economic
growth, creation of job opportunities and poverty
alleviation.

33. 1.CURRENT ACCOUNT
INTRODUCTION OF CURRENT ACCOUNT:
 The Deposits in
current accounts are received on Qard-e-Hasana basis.
 The funds received in Current Accounts are not used in any
interest based banking activities.
 The account opening facility is available in all the Islamic
banking branches of The Bank of Khyber and Islamic Desks
at all other branches of The Bank of Khyber
Key Features of Current Account:-
• No limit on withdrawal.
• No Profit No loss.
• Free On-Line deposit/ Withdrawal.
• Free Account Statement (once in a month).
• Free ATM Card.
• No charges for Closing of Account.
• Free e-mail of account statement.

34. 2.INTERST FREE PLS SAVING ACCOUNT
INTRODUCTION:
 Deposit in Profit and Loss Saving Accounts in BOK
Islamic Banking are accepted on Musharaka basis strictly in conformity with
the principles of Islamic Shariah.
 The profit is calculated on monthly basis and disbursed to customers on
monthly basis. The PLS account opening facility is available in all BOK
Islamic Branches as well as Islamic Desks established in all Conventional
branches of BOK.
Key Features of PLS Account:-
• Profit Payment on monthly Basis.
• Profit Calculation on average Daily Balance.
• Free On-Line deposit/ Withdrawal.
• Free Account Statement (Once in a month)
• No charges for Closing of Account.
• Free ATM Card
• Free e-mail of account statement.

35. 3.RIBA FREE CERTIFICATES(RFC)
• INTRODUCTION:
 Riba Free Certificates of BOK Islamic
Banking are issued on Musharakah basis strictly in conformity
with the principles of Islamic Shariah.
 The profit is calculated on monthly basis and paid to customers
at their choice.
 RFCs are issued from all BOK Islamic Branches as well as
Islamic Desks established in all Conventional branches of
BOK.

36. • Key Features of RFCs:
• Minimum Investment:- Rs.10,000/-
• Profit Payment on every 5th working day of each
month or at discretion of the customer.
• Investment periods are 6 Months, 1Year, 2Years,
3Years and 5Years.
• Pre-Mature termination allowed subject to adjustment
of profit.
• All other service charges are 50% for Senior Citizens.

37. 4.RIBA FREE SPECIAL DEPOSIT CERTIFICATES
INTRODUCTION::-
 In this pool selective
deposits are accepted against special
assets and expected profit rates.
These deposits are tagged with special
assets and deposits are accepted only
when there is some opportunity of
investment.
 These deposits are restricted and require
special permission.

38. •
• Minimum Investment:- one million.
• Profit Payment on monthly basis.
• Maturity:- 1month, 3 months and 6 months.
• Pre-Mature termination allowed subject to adjustment of profit.
• Free On-Line deposit/ Withdrawal.
• Free Account Statement (once in a month).
• Free Closing of Account.
• All other service charges are 50% for Senior Citizens.
Key Features of RFSCs:-

39. 5.RIBA FREE SPECIAL CERTIFICATES BANKS
• INTRODUCTION:
 In this pool only Banks
deposits are accepted against specially
allocated assets of the Bank.
These deposits are tagged with special assets
and deposits are accepted only when there is
some opportunity of investment.
These deposits are restricted and require
special permission.

40. Key Features of RFSD-Banks:-
• Only Banks deposits are accepted.
• Profit Payment on monthly basis.
• Profit Calculation on average Daily Balance.
• Maturity:- 1month.
• Pre-Mature termination allowed subject to adjustment
of profit.
• Free On-Line deposit/ Withdrawal.
• Free Account Statement (once in a month).
• Free Closing of Account