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FIRST WOMEN BANK LIMITED

First Women Bank Ltd., a scheduled commercial bank and DFI designed, managed and run by women, for women, was set up in 1989 by the Islamic worlds first woman Prime Minister Benazir Bhutto (Shaheed) who envisioned a bank that would meet the special needs of women entrepreneurs. Currently, the Bank is headed by Mrs. Shafqat Sultana, who took over as President in May 2009. The Bank has always looked at its microfinance borrowers as potential SME and Corporate clients. The Banks unique credit policies promote asset ownership for women, by: Financing to business entity:

1.Where women have 50% shareholding. 2.Where a woman is the Managing Director 3.Where women employees are 50% or more. However, the Bank seeks deposits from and provides service to both genders. FWBL has disbursed more than Rs. 35,309 Million with outreach to 48,815 borrowers of which, Rs. 17,750 Million has been disbursed to women which comprised 49.28% financing to women. 1.FWBL Partnerships to empower women 2.FWBL ATM card with Multiple Benefit 3.Corporate Social Responsibility 4.FWBL in Public Sector 5.Brand of the Year 2010

First Women Bank Ltd. is a unique financial institution, a Scheduled Commercial Bank and a development financial institution for the socio-economic empowerment of women. The Bank was set up in 1989 by the Islamic worlds first woman Prime Minister Benazir Bhutto (Shaheed), who wanted a bank that would meet the banking needs of women entrepreneurs. FWBL was incorporated as a Scheduled Commercial Bank in the Public Sector as a Public Ltd. Company on 21st November, 1989 under the Companies Ordinance, 1984. The Bank commenced its business on 2nd December, 1989 with a paid up capital of Rs.

100 Million; 90% of which was contributed in varying proportions by five leading Public Sector banks of the country. They were: National Bank of Pakistan, Habib Bank Limited, Muslim Commercial Bank Limited, United Bank Limited and Allied Bank Limited 10% of the remaining capital came from the Federal Government

CREDIT POLICY
First Women Bank Ltd. a commercial bank and a DFI, caters to women at all levels of economic activities Micro, SME and Corporate, thereby enabling them to transcend their status from passive beneficiaries to dynamic agents of change.

The Bank has always looked at its microfinance borrowers as potential SME and Corporate clients. The Banks unique credit policies promote asset ownership for women, by: Financing to business entity: 1.Where women have 50% shareholding 2.Where a woman is the Managing Director 3.Where women employees are 50% or more

Board Of Directors

Ms. Shafqat Sultana President/Chairperson First Women Bank Limited Mr. Zia-Ullah Khan Group Chief National Bank of Pakista

Ms. Batool Iqbal Qureshi Secretary, Ministry of Women Development, Govt. of Pakistan

Mr. M. Usman Ali Usmani President, MCB Bank Limited Mr. Ali Sameer Group Executive United Bank Limited

Mr. Zakir Mehmood President, Habib Bank Limited

Mr. Khalid A. Sherwani President Allied Bank Limited

PRESIDENTS PROFILE
Mrs. Shafqat Sultana President / CEO/ Chairperson First Women Bank Ltd. The President, CEO and Chairperson of the Board of Directors of First Women Bank Ltd., Mrs. Shafqat Sultana, is a prudent banker and achiever par excellence. Mrs. Sultana has about 35 years of banking service to her credit, out of which, she has dedicated 20 long years to First Women Bank Ltd.

She was appointed as the President of First Women Bank Ltd. in the year 2009. Soon after taking charge, Mrs. Sultana made every effort to restore the public sector status of the bank. In the same year, she succeeded in her mission when the Government decided to keep FWBL as a public sector bank. Having done her Masters in Political Science from the University of Peshawar, Shafqat Sultana started her banking career as an officer at United Bank Ltd. in 1975. She was designated the first Lady Manager at PC branch Rawalpindi in 1988. She joined First Women Bank Ltd in 1990 as a Branch Manager in AVP cadre, and was awarded the best Branch Manager award for two consecutive years. Besides this, she used her expertise in training & development of women entrepreneurs and served as the National Project Director-Women in Urban Credit, a joint project of UNDP and FWBL. She was eventually promoted to the rank of EVP in 2002 and then President of the Bank.

She has been a key speaker on numerous national and international forums and has addressed in the Senate and Parliament on women socio economic concerns. Mrs. Shafqat has been the recipient of Best Sector Executive Award, Excellence Award from Laurels of honor 2009, Woman of the year Award 2009, Lifetime Achievement Award 2010 and Wonder Woman of the year Award 2011 etc. She also holds to her credit many publications as well. Recently Newsweek Pakistan included her name in the list of top 100 women who shake Pakistan. Other Information Executive Committee Mrs. Shafqat Sultana President / CEO / Chairperson Ms. Charmaine Hidayatullah Head of Legal & Security

Mr. Shahid Mughal Head of Finance & Planning Ms. Shawana Yamin Head of International Division / Company Secretary Mr. Agha Shujat Ali Head of Operations Division Ms. Yasmeen Adhami Officiating Head of Credit Ms. Zeib Faisal Secretary Executive Committee Assets & Liabilities Management Committee Mrs. Shafqat Sultana President / CEO / Chairperson Ms. Shawana Yamin

Head of International Division / Company Secretary Mr. Shahid Mughal Head of Finance & Planning Mr. Mohammad Khalid Treasurer Ms. Yasmeen Adhami Officiating Head of Credit Mr. Farhan Ahmed Secretary Chief Financial Officer Mr. Shahid Mughal Head of International Division & Company Secretary Ms. Shawana Yamin Treasurer Mr. Mohammad Khalid

Legal Advisors M/S. M. Sardar Khan and Associates: Mr. Amir Javed M/S Rifat S. Mughal & Associates: Ms. Rifat S. Mughal M/s. Mansoor Law Associates.: Ms. Shahina Akbar M/S. Ahmed & Qazi M/S Ahmed & Qazi Auditors M/s. M. Yousuf Adil Saleem & Co., Chartered Accountants. Tax Consultant KPMG Taseer Hadi & Co.

Management Team

Charmaine Hidayatullah Head of Legal, Security & Stationery Shawana Yamin Head of International Division & Company Secretary Shahid Mughal Head of Finance & Planning Mohammad Khalid Treasurer Tauqir A. Siddiqui CIO / Head of Information Technology & Reconciliation Naushaba Shahzad Head of Recovery Agha Shujat Ali Head of Operations Yasmeen Adhami Officiating Head of Credit Shaheen Zamir Head of Marketing, PR & Spokesperson Mehwish Khan Head of Audit & Secretary Audit Committee Jeanne Ahmad Head of Administration Farhan Ahmed

Head of Treasury Operations Shahida Mannan Head of HR Shahida Rajkotwalla Deputy Head Risk Management Division Product and services

Micro Finance
FWBL is amongst the pioneers in microfinance. In 2001 Women World Banking acknowledged FWBL as leader in microfinance for its innovative products and services. The three-pronged strategy of FWBL microfinance model is: Extending micro-credit to the Urban and Rural Women Offering wide ranging support service Research, documentation and compilation of women centric data The Micro-Finance product we offer:

Ranges from Rs. 5000 to highest credit amount in the industry, of Rs. 100,000 Mark-up rates are amongst the lowest

Thus retaining and elevating micro borrowers to higher micro-credit ceilings

PLS Account
PLS Saving Accounts are opened for individuals, (single or joint) Charitable institution, Provident and other funds of benevolent nature of local bodies, autonomous corporations, companies, associations, educational institutions, firms etc.

Online Banking
FWBL 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 customers account at another branch.

Payments of Cheques Cash Receipts Transfer of Funds through Cheques or Cash between Branches

Treasury
Money Market

Short term money market inter-bank trading Treasury bills trading in secondary market Quotation of special rates for corporate deposits

Foreign Exchange Market


Trading in ready and forward USD / PKR Quotations of foreign exchange rates in five major currencies Information in respect of prevailing rates of most of the currencies of the world for corporate clients and individuals Forward Forward foreign exchange rates of USD / PKR SWAP trading in USD / PKR Placement of USD and other major currencies such as EURO and GBP

Investment

Investment and trading in treasury bills (TBs) Investment and trading in Pakistan Investment Bonds (PIBs) Investment in Certificate of Investment (COIs) Investment in Terms Finance Certificates (TFCs) Investment in Mutual Funds

Government Securities

Efficient service for individuals and corporate clients for buying and selling government securities

Custodianship

Investment Securities Portfolio Accounts of Customers for holding on their behalf Treasury Bills, Pakistan Investment Bonds

Financial Advisory Services

Market review and update on prevailing exchange rates of USD / PKR Market review and update on the prevailing monetary information in the economy Future expectations and sentiments locally and internationally

Exchange Rates (daily)


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KIBOR (daily)
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NOSTRO Accounts/SSI
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