2. Project Of Finance
Presented to:
Sir Ghulam Mustafa
Presented by:
Mirza Ali Raza 90
M. Jaffar Tayar 48
Syed Hussain Zain ul Abiden Gardezi 85
Syed Ali Kamran Abidi 50

3. BANK DEFINITION:
"Banks are institution that enjoys the public
money doing nothing for the public".
Banker
 Banker includes a body of person whether
incorporated or not who carry on business of
banking
“Banks are the guardian & distributor of money”

4.  MCB is one of the leading banks of Pakistan with a
deposit base of about Rs. 280 billion and total assets of
around Rs.300 billion. Incorporated in 1947, MCB
soon earned the reputation of a solid and conservative
financial institution managed by expatriate executives.
In 1974, MCB was nationalized along with all other
private sector banks. This led to deterioration in the
quality of the Bank’s loan portfolio and service
quality. Eventually, MCB was privatized in 1991.

5. Vision Statement
 Challenging and Changing the Way you Bank.
Mission Statement
 MCB Bank’s team of committed professionals is
dedicated to maintaining long term customer
relationships through outstanding service and
convenience.

6. ACCOUNTS
 Current Account
 Saving Account
 MCB’s Rupee Savings account is the most convenient way to manage your
savings.
 Term Deposit
 Basic Banking Account
 This product has been introduced to facilitate the low income group as
well as the existing account holders who wish to convert their regular
savings or current account into Basic Banking Account.
 Khushali Bachat Account:
 Similar to saving account interest rate of 1%. Standard markup rate
20%.
 CIF record in the State Bank Of Pakistan. CIB (Credit Information
Bureau).

7.  Basic Banking Account
 This product has been introduced to facilitate the low income group as
well as the existing account holders who wish to convert their regular
savings or current account into Basic Banking Account.
 The Basic Banking Account is a current account and can be opened with a
minimum initial deposit of Rs. 1000/- only. Account holders will be
allowed 2 deposit transactions (either cash or through clearing) and 2
withdrawals (cash or clearing) each month. All customer-initiated
transactions over and above this limit will be charged a transaction fee.
However unlimited free of charge cash withdrawals are allowed through
MCB's own ATMs.
There will be no minimum balance maintenance requirement, and hence no
monthly account maintenance charges will apply.

8. Loans:
 1)Cash Finance:(13%)
 this loan is given upto 20 million. Basically for the crop season for cotton and
wheat. Cotton dealers mill owners. Kibor ( Karachi inter bank offer rate).
 On the basis of volume of business and operations of business.
 It is renewed after 1 year.
 2)Running Finance:(15%)
 Account holder in which 6 months installments.
 Security: Prime security is property and collateral
 3)Demand Finance:(10%)
 Its not necessary to be an account holder. Most liquid security are the certificates.
The DSC ( Defense Saving Certificate) whose value increases with the time.
 Regular income certificate.
 Project Finance:
 Fixed investment. New project may be a new plant or machinery.

9. Apna Ghar Pyara Ghar
MCB Pyara Ghar now provides you with all you want
as you can renovate your existing home, buy or
construct a dream house that you always envisioned
for you and your family. After all, "Apna Ghar...
Pyara Ghar"

10.  Financing up to Rs 20 million
 Financing Tenures from 2 to 20 years
 Equal monthly installments.
 Loans up to 80% of the value of your house or
flat

11. MCB CAR4U
 Kahin na Kahin tau Hai 1 Car 4 You
 MCB Car4U can give you all ... MCB
Car4U through its flexibility, affordability,
speed and other special benefits makes you
keep up with the fast pace of life ... because
we know Kahin na Kahin tau Hai.. 1
Car4U.

12.  Financing up to Rs. 20 lacs
 Financing tenures from 1 to 7 years
 Only up to 10% down payment
 Equal monthly installments.
 Currently available in 16 major cities:
Karachi, Lahore, Faisalabad, Rawalpindi,
Islamabad, Quetta, Multan, Peshawar,
Hyderabad, Sialkot, Gujrat, Gujranwala,
Sargodha, Mirpur (AJK), Jhelum, Sahiwal

13.  Meezan Bank Limited is a publicly listed company
first incorporated on January 27, 1997. It started
operations as an investment bank in August of the
same year. In January, 2002 in an historic initiative,
Meezan Bank was granted the nation's first full-
fledged license dedicated to Islamic Banking, by the
State Bank of Pakistan.

14. Our Vision
 Establish Islamic banking as banking of first
choice to facilitate the implementation of an
equitable economic system, providing a strong
foundation for establishing a fair and just
society for mankind.

15. Our Mission
 To be a premier Islamic bank, offering a one-
stop shop for innovative value added products
and services to our customers within the
bounds of Shariah, while optimizing the
stakeholders value through an organizational
culture based on learning, fairness, respect for
individual enterprise and performance.

16. Deposit Schemes:
 1.Saving Account

17. 2. Current Account

18. 3. Karobari Munafa Account

19. 4.Riba-Free Meezan Bachat Account
 The Riba-Free Meezan Bachat Account works under
the principles of Mudarabah and is strictly in
conformity with the rules of Islamic Shariah.
 On agreeing to become an account holder, the
customer enters into a relationship based on
Mudarabah with Meezan Bank. Under this
relationship, the customer is an Investor (Rab ul
Maal), and the Bank is the Manager (Mudarib) of the
funds deposited by the customer.

20.  The Riba-Free Meezan Bachat Account works under
the principles of Mudarabah and is strictly in
conformity with the rules of Islamic Shariah.
 On agreeing to become an account holder, the
customer enters into a relationship based on
Mudarabah with Meezan Bank. Under this
relationship, the customer is an Investor (Rab ul
Maal), and the Bank is the Manager (Mudarib) of the
funds deposited by the customer.

21. Car Ijarah:
 Car is leased under the name of the bank. Transfer of
ownership at the clearance of principal amount and
rent. No objection certificate.
 Security deposit is 15 %. 5% is the processing
charges on purchase of additional units.
 If car is damaged no payment is given. If the car is
stolen then the installment is stopped.
 Time period for which the car is offered are 3, 4 and 5
years. Accordingly the rate of rent is calculated.
IRR( International rate of rent).
 Rent is paid on the monthly bases.

22. Car Ijarah, Pakistan’s First Islamic
Car Financing
 Car Ijarah is Pakistan’s first Interest Free car financing
based on the Islamic financing mode of Ijarah (Islamic
leasing). This product is ideal for individuals looking for
car financing while avoiding an interest-based transaction.
Meezan Bank’ Car Ijarah is a car rental agreement, under
which the Bank purchases the car and rents it out to the
customer for a period of 3 to 5 years, agreed at the time of
the contract. Upon completion of the lease period the
customer gets ownership of the car against his initial
security deposit.

23.  Key Features of Car Ijarah
 No application fee
 Ease of acquiring any new locally assembled
car
 No upfront Insurance Payment
 No advance Rental
 Available in tenures of 3, 4 and 5 years
 Minimum security deposit as low as 15%

24. Diminishing Musharka:
 The type of partnership which eliminates with the passage of
time. As the partner buys the share of the firm.
 House finance and Project finance.
 Sitara textile mill.
 Car rent.
 LGS.
 Nishat School.
 Bakhtawar Amin Memorial Trust.
 Transfer of ownership after the completion of the project.
Maximum time is 7 years. 1 year grace period for construction
and working of a project.

25. Murabaha:
 Customer is the agent of the bank. Commodity
purchase, Raw Material (lucky cement)
 “Do not give cash to the customer”. Give tax
invoice.
 Security:
 Bank act as retailer. Repayment is single
installment. Deferred payments in max. 180
days and min. 9 days.

26.  Why is Halal home finance so important to you?
Owning your own home is one of life’s most important
achievements. It represents your security, stability, and is a
great blessing in itself. It provides that all-important safety and
comfort for you and your loved ones.
 However, in today’s often unpredictable and costly
environment, saving the required money can take a lifetime in
itself. Rising property prices, taxes, inflation, currency
devaluation… it’s all a very hard bargain. On the other hand,
owning your own home and paying an easy installment, which
takes you step by step towards complete ownership, is so
much better than paying rent which ultimately only adds to
your expenses.

27.  Islamic Financing on a Diminishing Musharakah
basis
With Easy Home you participate with Meezan Bank
in a joint ownership of your property, where the Bank
will provide a certain amount of financing (usually up
to 85%). You agree to a monthly payment to the bank
of which a component is for the use of the home, and
another for your equity share. In fact, the total
monthly payment is reduced regularly as your share
in the property grows. When you have made the full
investment, which had been agreed upon, you become
the sole owner with a free and clear title to the
property.

28. Easy Buyer
 Flexible financing from PKR 300,000/- to PKR 40
million
 Easy selection of financing tenure from 3 years to 20
years
 Bank Investment Ratio (BIR)
 Up to 85% for Salaried / Select SEP*
 Up to 70% for Businesspersons & Self Employed
Professionals
 Up to 75% for Non-Resident Pakistanis (NRP)
 No restriction on early unit purchase / early
termination

29. Easy Builder
 Easy Builder is a comprehensive proposition that contains:
 1Residential construction on applicant’s owned land
2Purchase of land & residential construction 3Enhancement of
an already constructed residential bungalow Features
 Flexible financing from PKR 300,000/- to PKR 40 million
 Easy selection of financing tenure from 2 years (excluding
construction period of max 12 months) to 20 years
 Bank Investment Ratio (BIR)
 Up to 70% for Salaried /Select SEPs*/Self Employed
Professionals/Businessman
 Up to 75% for Non-Resident Pakistanis (NRP)
 No restriction on early unit purchase / early termination

30. Easy Renovate_â
 Flexible financing from PKR 150,000/- to
PKR 1.0 million
 Easy selection of financing tenure from 2
years up to a maximum of 7 years
 Up to 50% for Salaried /Select SEPs*/ Self
Employed Professionals / Businessman / Non-
Resident Pakistanis (NRP)

31. Easy Replace
 Transfer your existing mortgage!You can now continue to
enjoy your home, but with the added satisfaction and peace of
mind you always wanted. Meezan Bank will help you switch
your existing liability over to us and let you enjoy the benefits
of Halal and totally flexible financing.
 Features
 Flexible financing from PKR 300,000/- to PKR 40 million
 Easy selection of financing tenure from 3 years to 20 years
 Bank Investment Ratio (BIR)
 Up to 85% for Salaried /Select SEPs*/Self Employed
Professionals/Businessman
 Up to 75% for Non-Resident Pakistanis (NRP)
 No restriction on early unit purchase / early termination

32. Musharaka:
According to this concept, a financier and his client
participate either in the joint ownership of a property or an
equipment, or in a joint commercial enterprise.
Musharka is the partnership. The profit is shared among the bank
and the customer with which there is a partnership agreement.

33.  In commercial banking a fixed interest rate is offered to customer
after depositing a certain amount of money.
 In islamic banking the rate of profit (surplus on deposit)depends
on the profit which the particular bank earns means that there is not
fixed percentage of the profit rate.
 In commercial banking if a customer has deposit below than 10,000 in
certain accounts( ) the 50 Rs. is deducted from balance as charges
and are included in bank profit & loss statement.
 In islamic banking if a person has output balance below than
10,000 in certain accounts( ) 50 Rs. is also deducted but not
included in profit & loss statement and goes to charity institutions.

34. Islamic Banks do not give cash directly to the customers
and it provides funds for commodities.