Bank Alfalah Limited was incorporated in 1992 and commenced banking operations in 1997. It is owned by the Abu Dhabi Group and is the sixth largest bank in Pakistan with over 500 branches. The bank provides various financial products and services including consumer banking, corporate banking, Islamic banking and branchless banking services. It recently rebranded in 2015 by changing its logo and color scheme. The document discusses the bank's vision, management team, products, services, branch network, CSR initiatives and SWOT analysis.

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The caring bank

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BANK ALFALAH LIMITED
Bank Alfalah Limited was incorporated as a public limited
company on June 21, 1992 under the Companies
Ordinance 1984. Its banking operations commenced from
November 1, 1997. The Bank is owned and operated by
the Abu Dhabi Group and is the sixth largest bank in
Pakistan.

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The Bank does business through a network of
over 500 branches in more than 170 cities in
Pakistan. The Bank has an international
presence in Afghanistan, Bangladesh, Bahrain
and a representative office in the UAE.

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The Bank provides financial solutions to consumers,
corporations, institutions and governments through a
broad spectrum of products and services, including
corporate and investment banking, consumer banking
and credit, securities brokerage, commercial, SME,
agri-finance, Islamic and asset financing.

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RE-BRANDING
The bank has entered re-branding as of February 2015 after 17 years of its
birth. The official color has been changed from Deep Blue to Crimson Red
and the logo has also been changed. The new logo has been named as well,
Chevron. Meanwhile, the Vision & Mission statements have also been
revised.

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OUR VISION
To inspire and empower people to do
things differently and shape their own
path in life and business.

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BOARD OF DIRECTORS
H.H. Sheikh Hamdan Bin Mubarak Al Nahayan
Chairman

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Mr. Abdulla Khalil Al Mutawa – Director

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Mr. Abdulla Nasser Hawalileel Al-Mansoori
Director

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Mr. Khalid Mana Saeed Al Otaiba
Director

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Mr. Ikram Ul-Majeed Sehgal – Director

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Mr. Nadeem Iqbal Sheikh – Director

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Mr. Atif Bajwa – Director & CEO

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TOP MANAGMENT
•Mr. Faisal Farooq Khan
Member
•Mr. Khurram Hussain
Member
•Ms. Mehreen Ahmed
Member
•Mr. Saad ur Rahman Khan
Member
•Mr. Aly Mustansir
Member
•Mr. Suhail Yaqub Khan
Member
•Mr. Syed Ali Sultan
Member

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CHIEF OPERATING
OFFICER
Mr. Bahauddin Khan
COMPANY SECRETARY
Mr. Mian Ejaz Ahmad
CHIEF FINANCIAL
OFFICER
Mr. Mirza Zafar Baig
AUDITORS
KPMG Taseer Hadi & Co.
Chartered Accountants
REGISTERED / HEAD
OFFICE
B. A. Building
I. I. Chundrigar Road
Karachi, Pakistan
www.bankalfalah.com
SHARE REGISTRAR
F. D. Registrar Services (SMC-Pvt) Ltd
1705, 17th Floor, Saima Trade Tower-A
I. I. Chundrigar Road
Karachi, Pakistan

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Credit Rating of Bank Alfalah
PACRA, a premier rating agency of the country, has rated
the Bank ‘AA’ (double A) Entity Rating for the Long Term
and A1+ (A one plus) for the Short Term. These ratings
denote a very low expectation of credit risk, a strong
capacity for timely payment of financial commitments in
the long term and the highest capacity for timely repayment
in the short term, respectively. The unsecured subordinated
debt (Term Finance Certificates) of the Bank has been
awarded a credit rating of AA- (double A minus).

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OPERATING RESULT

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• The Bank managed to increase its deposit base by 15.31% to PKR
605,963 million.
• Advances (net) have grown by 11.43% to PKR 290,597 million at
December 31, 2014 as compared to PKR 260,780 million last year.
• Gross advances to deposits ratio was 50.31%.
• Investments (net) level has significantly increased by 47.63% to PKR
324,319 million.
• Alfalah’s Non mark-up income has increased by 9.15% to PKR 9,036
million, which includes contribution from fee based income of PKR
3,120 million.
• Bank has also registered healthy capital gains on sale of securities of
PKR 1,058 million.
• Basic earnings per share were reported at PKR 4.09, which were
worked out after taking into account the weighted average number of
shares after IFC’s equity injection.

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Bank Alfalah has competitive advantage on other
banks on the basis of different aspect which can be
listed as
• Human Resource
• Innovative programs like SME Tool kit
• Free consultation facility to customer
• Total quality management
• Lavish branches
COMPETITIVE ADVANTAGE

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ALFALAH’s HERARCHY
COUNTRY
CHEIF
OPERATION
GROUP
HEAD
REGIONA
L
MANGER
BRANCH
MANAGE
R
OPERATION
S
MANAGER
TRADE
FINANCE
MANAGER
CREDIT
MANAGER

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BRANCH NETWORK OF ALFALAH

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BRANCHES
The bank is currently operating through 673 branches(as on
March 31, 2015) including 497 Conventional, 165 Islamic
Banking and 11 Overseas/International branches in
Afghanistan, Bangladesh and Bahrain, with the registered
office at B.A.Building, I.I.Chundrigar, Karachi.

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BRANCH WORKING MODEL OF
ALFALAH
Conventional work model implemented in bank Alflah’s
branches nationwide.
BRANCH
MANAGER
OPERATIONS
MANAGER
TRADE
MANAGER
CREDIT
MANAGER

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DEPARTMENTS
On the basis of above hierarchy there are three departments working in
every branch. These can be listed and elaborated as:
• OPERATIONS
• TRADE FINANCE
• CREDIT

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OPERATIONS DEPARTMENT
• Account opening department
• Cash Department
• Clearing Department
• Remittances Department
TRADE FINANCE DEPARTMENT
This department enhance:
• Import
• Export
• Trade finance department also work for trade within country

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CREDIT DEPARTMENT
Basic responsibilities of credit department:
• KYC
• Industry profile of customer
• Personal visit
• If satisfied prepare basic documents for sanctioning loan
• Make analysis of collateral through their legal department.
Loan is sanctioned 70 to 75% of collateral.
• Make request to customer for opening account on his branch
• Sanction loan and transfer it in his account

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Products and Services of Alfalah
PERSONAL BANKING
Choose an account that
suits your needs

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DEPOSIT ACCOUNTS
• Alfalah Kamyab Karobar - Online Current Account
• Alfalah Kifayat Monthly Savings Account
• Alfalah Mahana Amdan Term Deposits
• Alfalah Current Account
• Alfalah Savings Account
• Alfalah Royal Profit Account
• Alfalah Basic Banking Account
• Alfalah Basic Banking Account
• Alfalah Care Senior Citizen’s Savings Account
• Foreign Currency Current Account
• Foreign Currency Savings Account

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LOANS
• Alfalah Car Financing
• Alfalah Home Finance
• Alfalah Home Buyer
• Alfalah Home Improver
• Alfalah Home Start
• Alfalah Home BTF
• Alfalah Plot Purchase & Construct

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Credit Cards
Alfalah Platinum VISA Credit Card
Alfalah Titanium MasterCard
Alfalah VISA Gold
Classic Credit Cards
Home Remittance
Cash over Counter
Cash over Account
Pay Order/ Demand Draft
Money Gram

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BANCASSURANC
• Education Plans
Alfalah Qalam Education Plan
Roshni Education Plan
• Marriage Plans
Alfalah Bandhan Marriage Plan
Rida Marriage Plan
• Retirement Plans
Alfalah Sakoon Retirement Plan
Sahara – Retirement Plan
• Capital Assured Plans
Alfalah Yaqeen Savings Plan

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BUSINESS BANKING
ACHIVE YOUR
BUSINESS
GOALS FASTER

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• Alfalah Karobar Finance
• Alfalah Quick Finance
• Lease Finance
• Alfalah Milkiat Finance
• Alfalah SME Toolkit
• Agri Loans
• Alfalah Paidawari Zarie Sahulat
• Alfalah Musalsal Zarie Sahulat
• Alfalah Tractor and Transport Zarie Sahulat
• Alfalah Machinery & Equipment Zarie Sahulat
• Alfalah Aabpaash Zarie Sahulat
• Alfalah Islah-e-Araazi Zarie Sahulat
• Alfalah Poultry Zarie Sahulat
• Alfalah Dairy & Livestock Zarie Sahulat

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Corporate & Investment Banking
SOPHISTICATED AND
INNOVATIVE
FINANCIAL SOLUTION

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• Working Capital Finance
• Capital Market Operations
• Investment Banking

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Branchless Banking
Branchless convenience
at outlets nationwide
• Mobile paisa
• G2P
• Watan card program
• Benazir income sport program

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Self service banking
KEEP TRACK OF
YOUR
TRANSACTION 24/7

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• Alfalah VISA Debit/ATM Card
• SMS Alert Service
• E-statements

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CUSTOMER RELATION SHIP MANAGEMENT
• Understanding our customers’ needs, developing innovative financial
solutions and building long-term relationships are the foundations of our
commitment to our customers.
• With our strategic thrust heavily focused on customer, we strive to harness
and deliver innovative, responsible and sustainable financial solutions for our
customers.
• Our Consumer Finance Group continues to demonstrate our strategic intent
to develop a process driven ‘built to last’ consumer business.

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• Bank Alfalah Car Finance continued demonstrating growth in 2014 and
successfully maintained a leading market position in new customer
acquisition.
• Home Finance continued its controlled growth and selective sales strategy,
achieving year on year growth of 110 percent
• Focus on corporate sector employees and existing banking customers
allowed the Bank to optimize its business model.
• Improved and structured Collection and Recovery activities also
contributed to better results.
• Over the course of the year, our sales and relationship management
channels have been strengthened through dedicated programes and the
inculcation of a need based and customer oriented sales culture.

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EMPLOYEES BENEFIT PROGRAME
• Our human resource is our strongest and most important asset. We have
invested in human capital by putting in place an experienced leadership
team and continue to focus on attracting and developing the best talent.
• Over the years, the Bank has successfully attracted and developed key
talent across the organization. Alfalah is working with 7785 employees.
• Our leadership team has extensive local and global experience in the
financial services industry.
• I am confident that this will be a key ingredient in helping us build a strong
and reputable organization.
• With the vision to become an employer of choice, many learning and
development initiatives were undertaken during the year.
• Increasing its focus on providing learning opportunities to employees, a
total of 691 learning programmes were offered by the Bank.

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• Increasing its focus on providing learning opportunities to employees, a
total of 691 learning programmes were offered by the Bank.
• Increasing its focus on providing learning opportunities to employees, a
total of 691 learning programmes were offered by the Bank.
• We have also developed a system that establishes objective, performance
based measures, and aims to reward performance at all levels.
• As part of the Bank’s endeavor to develop and retain key talent, the Bank
has granted share options to its key employees under the Employee Stock
Options Scheme (ESOS) as approved by its shareholders and the Securities
and Exchange Commission of Pakistan (SECP).

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CORPORATE SOCIAL RESPONSIBILITY
At Bank Alfalah, we aim to conduct business with the multi-pronged
approach of creating value for our clients, shareholders and communities
responsibly. Through an innovative business strategy, exceptional focus on
customer service and experience, sustainable philanthropic investments and
a diverse, engaged workforce, we reinforce our commitment to the
communities where we live and operate.
RISING TALENT PROGRAM
Through this program, we aim to provide meaningful opportunities to deserving
talent

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LAHORE LITERARY FESTIVAL
As part of CSR, the Bank endorsed the Lahore Literary Festival, a platform which
brings together a diverse range of talents under one ambit and gave an opportunity
for nascent writers and artists to express their imagination and air through poetry,
art, short stories and photography.
PAKISTAN FASHION DESIGN COUNCIL
We also collaborated with Pakistan Fashion Design Council and Fashion Pakistan
Council representing and promoting Pakistani designers and funded debut shows
for young designers to showcase their designs at the Councils’ Fashion Weeks.

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NOWPDP
We partnered with NOWPDP (Network of Organisations Working for People with
Disabilities, Pakistan) for its vocational training program The Artwork. This is an
effort to empower people with disabilities through craftsmanship training in the
Held of Textiles.

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PEST ANALYSIS
• POLITICAL
Political factors in any countries affect the organizations and institutions greatly.
If there is a stable political environment, the organizations flourish successfully but
if there is instability in political environment, then there is a bad effect on all
institutions and organizations. If we look Bank Al-Falah with the aspect of political
environment, there are some rules made by the government to follow. A regulatory
approval is necessary from the State Bank of Pakistan in order to launch a bank.
Furthermore there is a requirement of State Bank of Pakistan that the paid up
capital of Bank Al- Falah should be Rs 10 billion by 2010, Rs 13 billion till 2011
and Rs 23 billion by 2013.
• ECONOMIC FACTORS
As we know the economic conditions of the country at the current is not so good,
and there was a huge economic crisis recently which affected many banks. Bank
Al-Falah should considers short term and long term issues concerning economy of
the country. It is obvious that with the current situation, Bank Al- Falah like many
other banks are being affected by the challenges like inflation, unemployment and
economic crisis.

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• SOCIO- CULTURAL FACTORS
Every country has its own social values and cultures. Bank Al-Falah is doing
well by keeping in mind the cultural values of Pakistan. As we can see from its
advertisements that it reflects the true cultural and social values. And by doing this,
Bank-Al Falah is attracting a great deal of customers. Because it is natural that
when some organization takes care of customer’s social and cultural values, then
the customers are naturally attracted towards that particular organization
• TECHNOLOGICAL FACTOR
The technology plays a very important role in today’s successful organization.
Bank Al-Falah is doing well in introducing technologies as and when required by
the Bank. Further it trains the employees to use those technologies.
We continue to invest in strengthening our technology front, so that we are
equipped with a more robust, competitive and value-added interface that meets the
needs of our customers. We intend to achieve faster turn-around-time, smoother
online transactions and more efficient operations, all leading to a better
transactional environment for customers and employees.

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SWOT Analysis
Strengths
• Bank Alfalah has moved rapidly in expanding branches network
and Deposit base, along with making profitable advances and
increasing the rang of products and services.
• Bank Alfalah developing and delivering the most innovative
products, manage customer experience, deliver quality service
that contribute brand strength, establishes a comparative
advantage and enhances profitability
• In comparison to other banks Alfalah providing high excellence
service like home, car, agri-financing

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• Modernize Banking system with highly integrated information system
record kept properly, online banking and integrated circuits.
• Salaries are very reasonable, so the employs are not financially disturb
and they devote their selves fully to their work
• Entertainment facilities are available for customers
• Bank Alfalah is lending more money then any other bank in Pakistan by
providing least interest rates
• Bank Alfalh is offering two types of banking
1. Consumer banking
2. Islamic banking
• Alfalahs credit cards are globally accepted in more then 150 countries

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WEAKNESS
• Bank make less advertisement of its new products
• Employees are over loaded with the work because of less number of
employees
• The bank’s Islamic Banking Department is very slow in introducing
the new services and technologies as the internet facility
• The bank’s environment is supportive for the educated and rich persons
but very irritating for the uneducated and poor people that’s why these
people hesitates in dealing with the bank
• Still less branch network compared to other banks
• As a large firm it is not giving its staff a more benefits.

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Opportunities
• Can extend its network to international framework
• Can extend number of branches in Pakistan
• Can grow its market fast
• Can take benefits from governments new policies towards *IT
• Because of huge capital can introduce new services and products
• Can provide ATM’s it all the cities other than branches
• Concentrate more on the growing sector of the market Islamic Banking
• Improve the communication software even further with the latest software
packages

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Threats
• Large number of competitors
• Huge competition because of large number of
private banks
• Uncertainty in the country’s economic condition
• Growth of other competing Banks

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SWOT Analysis
SWOT analysis shows that Bank Alfalah’s
strengths are more than its weakness
and it has a chance of availing many
opportunities.

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STAR
CREDIR CARD
CONSUMER
FINANCING
QUESTION
MARK
PERSONAL
LOANS
HOME
FINANCING
CASH COW
BANCASSURANC
E
PRODUCTS
DOG
AGRI-
FINANCING
BCG MATRIX OF ALFALAH

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Looking Ahead
The year 2015 marks a year of new beginnings for Bank Alfalah. As a
company, we have constantly transformed and grown to stay ahead of the
evolving needs of our customers. We are committed to developing
innovative, sustainable financial solutions for the people of Pakistan and
making a significant contribution to the country’s economy. We begin the
year 2015 with the same determination and passion to achieve new heights.
I am confident that our businesses will continue to innovate and perform
well, driven by new product innovations and exemplary customer service.
Our focus on investing in human talent and providing an engaging work
environment for all will continue in the future. This year, we have
reinvigorated our brand and it is now time to leap forward. We will
differentiate ourselves, really connect with our customers and create a
world class.

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THANK YOU