Internal Factor Evaluation (IFE) Matrix

Key Success Factors STRENGTHS

Largest Online braches network Largest Nation-wide ATM network Strong lending ability Ranked 1st in Pakistan and 9th globally by the Banker Magazine, UK Higher employee motivation in comparison with Competitors Over 17% growth in Deposits where as industry stands at 13% Profit after tax has increased by 41.3% in last year Employee training and development ABL covers 86% of the Country's urban area Owned and managed by its employees

Weight

Rate

Weighted Score

0.09 0.06 0.08 0.04

4 4 3 3

0.36 0.24 0.24 0.12 0.2 0.18 0.24 0.15 0.32 0.12

0.05 4 0.06 3 0.06 4 0.05 0.08 4 0.04 3 3

Internal Factor Evaluation (IFE) Matrix

Key Success Factors WEAKNESS

No entertainment facility for the customers Very Less Advertisement

Weight

Rate

Weighted Score

0.05 1 0.05 2 2 1 0.03 0.08 2 2 1 2 0.05 0.1 0.14 0.04 0.06 0.16 0.03 0.08 2.83

No consumer banking services offered by 0.07 the bank Limited coverage of rural areas (Only 14%) Outlook of the branches High non-performing loans 0.04

The cost of funding also increased by 6%. 0.03 Less customer service care Total. 0.04 1.00

External Factor Evaluation (EFE) Matrix

Key Success Factors OPPORTUNITIES

Govt. reforms to up lift economy Can Capture Hundi market by providing fast cash transfer Diversification towards Islamic Banking Services Provide Privileged or Preference banking like MCB and UBL

Weight

Rate

Weighted Score

0.10 0.07 0.06

4 3 4

0.40 0.21 0.24

0.07 Micro Finance to the farmers and house hold Industry SME Financing Personal loans and consumer banking Expansion in the rural area of the country International expansion through joint ventures or M & A 0.07 0.05 0.04 0.06 0.04

3 3 4 3 4 3

0.20 0.21 0.20 0.12 0.24 0.12

External Factor Evaluation (EFE) Matrix

Key Success Factors THREATS

Political influence on the Banks activities Continuous downfall of the economy The higher discount rates offered by the SBP Law & order situation damaging economic activities Tight monetary policy and high interest of 15% by the SBP The high inflation rate due to deficit financing by the Govt. Power shortage brutally hinders the performance of Industrial sector

Weight

Rate

Weighted Score

0.07 0.08 0.05 0.08 0.06 0.04

1 2 1 2 2 1

0.07 0.16 0.05 0.16 0.12 0.04

0.06

0.12

Total.

1.00

2.66

Competitive Profile Matrix (CPM)

Competitors Critical Success Factors Financial Position Service Quality Market Share Customer Loyalty Bank Charges/ Fees Advertising and Promotion Work force motivation Online/ATM Services Geographic Coverage W 0.16 0.14 0.09 0.10 0.12 0.08 0.07 0.11 0.13

HBL Rate 4 3 4 2 2 3 2 3 4 WS 0.64 0.42 0.36 0.2 0.24 0.24 0.14 0.33 0.52

ABL

MCB WS 0.64 0.42 0.27 0.4 0.36 0.16 0.21 0.44 0.52

Rate WS Rate 4 3 2 4 4 2 3 4 3 0.64 0.42 0.18 0.4 0.48 0.16 0.21 0.44 0.39 4 3 3 4 3 2 3 4 4

Total..

1.00 3.09 3.32 3.42