2. MONEY BANKING & FINANCE
PRESENTATION ON
PRODUCTS OF SILK BANK
PRESENTED BY

4.  Banks play a vital role in strengthening economy of
any country. They help in mobilizing savings and
provide capital for trade, commerce and industry. In
Pakistan, Banking sector has always shown
remarkable results in the past and is carrying on
with it.
 SILK BANK is one of the new banks in Pakistan,
and is playing a key role in the development of the
country.

5.  On September 15,2001, the State Bank of Pakistan
approved the transfer of majority control and management
of the prudential in favor of Saudi Pak.
 On March 31, 2008, a Consortium comprising of IFC, Bank
Muscat, Nomura International and Sinthos Capital- which
was led by senior bankers Shaukat Tarin and Sadeq
Sayeed - acquired an 86.55% stake in Saudi Pak
Commercial Bank for around USD 213 million or USD 0.47
per share (PKR 29.3 equivalent per share). Saudi Pak was
rebranded as Silkbank Limited on June 1, 2009. Under the
new leadership the bank will continue to focus on SME &
Consumer financing resulting in efforts of increased
profitability.

6.  Our new identity Silkbank – is a name with a
meaning that endorses our values. The name takes
its inspiration from ‘Silk’, a natural element known
for its unique properties. Our inspiration also comes
from the Silk route which has been a corridor for
trade and commerce between Asia and the rest of
the world for centuries.
 Our ascending symbol marks our quest to move
higher and our tag line “Yes we can” is a promise
of unmatched service quality to our customers

7.  Vision statement:
Benchmark of Excellence in Premier Banking
 Mission statement:
To be the leader in premier banking, trusted by
customers for accessibility, service & innovation; be
an employer of choice creating value for all
stakeholders.

8.  IFC (International Finance Corporation)
A member of the World Bank Group, fosters
sustainable economic growth in developing
countries.
 Nomura Holdings
A leading investment bank with network in over 30
countries and total assets of USD 221B. Recently
acquired Lehman Brothers in Asia and Europe.
 Bank Muscat
Largest bank of Oman with assets of over USD 15
billion, having significant presence in the Middle
East.

9. DEPOSIT ACCOUNTS
CURRENT ACCOUNT SAVING ACCOUNT TERM DEPOSITS
•ALL-IN-ONE
ACCOUNT
•SUPER SAVER •SALANA MUNAFA
•BASIC BANKING
ACCOUNT
•MUNAFA ROZANA •SILK BANK MAHANA
MUNAFA
•BUSINESS VALUE
ACCOUNT
•FOREIGN CURRENCY
ACCOUNT
•ONLINE EXPRESS •PLS SAVINGS
• SALARY PREMIUM
ACCOUNT

10.  Silk bank All-in-One Account provides you the
ultimate security and protection, amazing banking
facilities and much more convenience… all absolutely
free.
 Initial deposit Rs. 1000/-
 Average balance Rs.100,000/-
 Worry free cash withdrawals ( Rs.25,000 per annum)
 Use your mobile phone without fear ( Rs.5,000)
 Lost your vital documents (Rs. 5,000)
 Liberate yourself from the fear of home burglary (Rs.
100,000)

11.  Protection For Your Family in case of Accidental
Death or Disability (Rs.200,000)
 Free Cheque Book
 Free Pay Orders & Demand Drafts
 Free Intercity Transactions
 Free VISA Debit Card
 Free Withdrawals from all ATMs
 Free Internet Banking
 Free SMS Alerts
 Free Statements Through Your Email

12.  Initial deposit Rs. 1,000/-
 Current account
 Dormant in six months
 Students and salaried.
Debit Transaction/credit
transaction
Two free transaction per
month.Rs.100/- for all
subsequent transaction during
the month
Online Transfer Charges
(inter-city Transaction)
0.10% min Rs.150/-
Online Cash Deposit and
withdrawals
0.10% min Rs.150/-
Cheque Return Rs. 300/- per instrument
Cheque Book Charges 25-leaf cheque book

13.  Silkbank Business Value Account is a current
account that brings respect and recognition to your
business.
 Silkbank Business Value Account also protects
your business inventory and cash withdrawals from
the bank – absolutely free.
 Initial deposit Rs. 1000.
 Average balance Rs. 100,000.
 Protect your business inventory up to Rs.
10,000,000.
 Worry-free Cash withdrawals Rs. 25,000 per
annum

14. Pay Orders/ Demand Drafts
/Call Deposits.
Monthly Average Balance PO,DD,CDR
Below Rs.100,000/- Rs.100/-PO,DD,CDR
Rs.100,000/-to Rs.499,999/- 6free/ month.
Rs.100/- for Subsequent
PO,DD,CDR
Rs.500,000/- &above All free
Visa Debit Card Fee.
Monthly Average Balance Visa Debit Card
Below Rs.100,000/- Rs.500/-
Rs.100,000/- & above free
SMS Alerts
Monthly Average Balance SMS Alerts
Below Rs.100,000/- Rs.50/- per month
Rs.100,000/- & above Free

16. •Pay Orders/Demand Drafts
Monthly Average Balance PO/DD Charges
Less than Rs. 50,000/- Rs.100/- PO/DD
RS.50,000/- to less than Rs.100,000/- 2 Free For the Month
Rs.100,000/- to RS.500,000/- 6 Free For the month
Rs.500,001/- &above All Free For the month
• Cheque Book Charges
Monthly Average Balance Cheque Book Charges
Up to Rs.500,000/- Rs.25/- per leaf
Rs.500,001/- to Rs,1,000,000/- 2 Free For the Month
Rs. 1,000,001/- & above All Free
. Enjoy online banking solutions,all under one roof.
 Average balance Rs. 50,000/-

17.  Exceptional current account that offers additional
perks with your salary.
 Initial deposit Rs. 1000/-
 Hassle Free Salary Processing.
 Worry-free Cash Withdrawals.
 Unmatched Auto-Insurance Benefits (up to 2.5%)

18.  Initial deposit Rs. 1000/-
 Interest rate 9.5%
 Average balance Rs. 50,000/-
 Higher the deposit, higher the profit.
 Incidental charge Rs. 50/-

19. Safe Deposit Locker Charges
Monthly Average Balance Locker Charges
Less than Rs. 30,00,000/- or above
free limits
Small Rs.1,500/- per annum
Medium Rs.2,000/- per annum
Large Rs. 3,000/- per annum
Rs.30,00,000/- to Rs.50,00,000/- Small Or Medium Free
Rs.50,00,001/- to Rs.10,000,001/- &
above
Large Free
Rs .10,000,001/- &above Large Or Extra Large Free
Cheques Book Charges
Monthly Averages Balance Online Transaction Charges
Less than Rs.1,000,000/-Or above Rs. 25/- per leaf
Rs.30,00,000/- &above 2free for the month(25 leaves)
SMS/Call Desposit ( CDR )
Monthly Average Balance CDR Charges
Less than Rs.500,000/- 50/- per month
Rs.500,000/- & above All free for the month

20. The only savings account in Pakistan that pays profit
in cash, DAILY! With Silkbank Munafa Rozana, profit
on your funds is calculated and paid out into your
account, DAILY.
PROFIT RATES
Tiers Rates
Rs.0 to Rs.2mn 5.00%
Rs.2m to Rs.5mn 6.00%
Rs.5 to Rs.10mn 7.25%
Rs.10 to Rs.20mn 7.50%
Rs.20 to Rs.30mn 8.50%
Rs.30 to Rs.50mn 9.00%
Rs.50mn and above 9.00%

21.  Avail the benefits of a savings account with the
convenience of a current account.
 Profit paid out twice a year
 Monthly Profit of 5% on all Tiers
 Profit calculated on minimum balance every month
 Can be operated by Individuals or Companies
 Average balance Rs.50,000
 Visa debit card

22.  Earn the highest profit on a monthly basis in
mahana munafa.
 Earn the highest profit on annualy basis in salana
munafa.
 Minimum balance of only Rs.100,000/-
 Interest rate 5%

24.  Offers running finance facility against your land,
residential & commercial properties, insuring a
steady life line for your business.
 Convenient(properties as security)
 Affordable (Mark up calculation on daily utilized
amount)
 Loan Amount (up to 70% of property value)
 Eligibility :
 Resident of Pakistan
 Self employed
 Monthly income of Rs. 50,000/-
 Age: 25 – 60 years

26.  Education plan
 Minimum amount Rs.15000/-
 Offers a method of disciplined savings that can be
utilized to pay for the higher education needs of the
nominated child.
Policy year @8% p.a.
unit growth
rate
@10%
p.a.unit
growth rate
@12% p.a unit growth
rate
5 442,972 465,711 489,422
10 1,168,940 1,296,155 1,437,825
15 2,194,763 2,577,886 3,035,235
18 2,988,163 3,642,776 4,458,714

27.  Saving and investment plan.
 Financial planning package that gives dual benefits
of protection along with higher returns over long-
term savings and investment.
 Initial deposit Rs.15,000/-
 Maximum age limit 60 years.
 Maturity 10 years.
 Accidential death and disability
 Life care

28. Family income
If the assured customer’s age is 30 years, and
he decides to contribute Rs.100,000 per annum
with the protection mutiple of 20, taking a sum
assured of Rs.2,000,000 in Sunehra Kal.The
expected cash values would be as follows:
Policy year @8%p.a.unit
growth rate
@10%p.a.unit
growth rate
@12%p.a.unit
growth rate
5 432,140 454,703 478,268
10 1,146,380 1,272,304 1,412,747
15 2,175,174 2,558,668 3,015,590
20 3,612,530 4,520,217 5,683,272
25 5,601,449 7,491,109 10,101,604

29.  Silk bank Mehfooz Har Pal Banc assurance is a
simple yet comprehensive accident and
hospitalization plan providing 24 hour worldwide
coverage to the entire family.
 Mehfooz Har Pal guarantees your financial well
being by paying out cash on death, disablement or
prolonged absence from work as a result of an
accident or hospitalization due to an accident.

30.  With a mission to help people live healthier,
wealthier and more successful lives Silkbank offers
Silk Health Plan, a comprehensive healthcare
package that provides financial protection in case of
an illness or accident that leads to hospitalization.

31.  Visa Debit Card
 Mobile Banking
 E-Statements
 Sms Alerts
 Silk Bank-direct
 Silk Fauree Transfer
 Inter-Bank Funds Transfer