PROJECT

: COURSE NAME

BUISNESS FINANCE

: PROJECT TITLE

FEATURES OF STOCKS AND BONDS

: INSTITUTE NAME

COMSATS INSTITUTE OF INFORMATION TECHNOLOGY

 Project Title:

Stocks and certificates available in Pakistan

Submitted To:

Ms. Hina Iqbal (Lecturer of Business finance)

Submitted By:
Mr. Zohaib Ashraf
Roll # 018
BBA Batch # 4
Registration # bbasp09-018

Date of Submission:
DECEMBER10. 2010.

COMSATS Institute of Information Technology Sahiw

First Women Bank Ltd

HISTORY

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 world’s 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.

he Bank commenced its business on 2ndDecember, 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

First Choice (Aasaish)Certificate :

First Women Bank Ltd. proudly presents loans for buying consumer durables
through “First Choice” certificates . Through this scheme, women can buy
electrical appliances for their home and kitchen with the convenience of
paying on a monthly basis.

FEATURES OF CERTIFICATE :
Exposure Limit for Individuals:
• Middle Management employee / their families
• Top Management employees / their families
• Business women & their families
 • Low Income group & their families
Maximum Exposure Limits:
• For Individuals other than Government / Corporate employees Rs.
10,000 – Rs. 100,000
• Exposure on Government or Corporate employee Rs. 50,000 – Rs.
500,000
Security / Documentation

From Individual Customers:

• For Finance of Rs. 10,000 – Rs. 100,000 One Guarantee
• For a Finance Facility Rs. 100,000 – Rs. 500,000 – Two Guarantee,
one should be preferably an employee of any Financial Institution
From Corporate Customers:
• Lien on Salary
• Bank Statement for the last six months
• Copy of last paid utility bills

The Bank of Khyber

STOCKS :

Introduction

The Bank of Khyber was established in 1991 through Act No. XIV,
passed by the Provincial Legislative Assembly of the KHYBER
PAKHTOONKHWA Province of Pakistan. It was awarded status of a
scheduled bank in September 1994. The Bank of Khyber enjoys a
unique position, and stands out amidst the other banks operating
within Pakistan, and has the privilege of being bracketed amongst
the only three government banks in the country. Currently the bank
has a total branch network of 50 Branches Plus 4 sub branches
throughout the country. At present, 20 of its branches functioning
as dedicated Islamic Banking Branches, whereas 30 branches are
conventional banking branches.

Core Values

• Highest quality of service

• Professionalism, Integrity and Team Work
• Innovation and utilization of latest technology
• Corporate Social Responsibility

Visit your nearest Bank of Khyber branch today, and experience the
taste of our traditional hospitality – for we truly are the Custodians
of Rich Values.

The stocks of bok are weak in the market because of its potential which is -2.
The fair value of the pok’s stock is 4.06 and the current price is 4.60.
OPE
HIGH LOW CURRENT CHANGE VOLUME
N

Bank
Of
4.06 4.70 4.08 4.60 0.54 241,818
Khybe
r

To increase the paid up capital of the bank to meet the

minimum paid up capital requiremnet of the
State Bank of Pakistan.

Authorized Capital No of
Shares Amount (Rs in '000)
250,000,000
 2,500,000
Issued & Paid up Capital
(Par value Rs. 10.-per share)
- Issued for cash
75,000,000 750,000
- Issued as bonus shares
48,103,448 481,034
Total
123,103,448 1,231,034
Present Offer to General
Public and Employees of the Bank
41,100,000 411,000

Rs. 15.-per share (inclusive of Rs. 5.- premium per share)

Rs. 10.- per share

Rs. 5.- per share

Rs. 411,000,000

Rs. 616,500,000

Nil

The offered shares of the Bank shall rank pari passu with
the existing shares in all matters,
including right to such bonus or right issue and dividend
as may be declared by the Bank
subsequent to the date of this offer.

SAPHIRE GROUP OF INDUSTRIES :

INTRODUCTION OF COMPANY:

One of the largest manufacturers and exporters of textile products in Pakistan,

Sapphire technology comes from Europe, Japan and USA. Capitalizing on the region's
principal crop, cotton, we source this locally, and augment our offerings by providing
imported fiber from the world's best crops. We work with specialized fibers bringing
in the newest innovations from major fiber and chemical producers, and our
manufacturing from yarn to finished fabric is performed in our facilities in Pakistan.
Synergies are formed with offshore garment manufacturing companies. Our products
are marketed to the industry's biggest names in Asia, Europe, Australia, and North
America.

HISTORY:

• The conceptualization of what became Sapphire started in East Bengal

• Sapphire’s spinning plant first in Pakistan
• Expansions in yarn spinning - lead it to be one of the largest yarn
producers in Pakistan
• In value addition with its first weaving plant
• Knit fabrics project
• Woven fabrics dye house
• Woven Dying and Finishing
• Home textiles division

• OPERATIONS :
 MISSION

To build flexible manufacturing capabilities in the textile industry to cater to the

growing and evolving global demands, keeping a lead position in our business,
maintaining our values based on good business and ethics, and at the same time
contributing in the development of the community in which we work and live in.

VALUES

• P eople
• R elationship
• I ntegrity
• D iversity
• E nvironment

INSTRUMENTS:

Sapphire Textile Mills Limited engages in the manufacture and export of textile
products in Pakistan. It offers spun, compact spun, open end, dyed, and bleached
yarns in various counts; cotton, poly cotton, and specialized yarns; greige woven
fabrics and finished woven fabrics; fiber dyed cotton/poly cotton blends; and
home textile made ups, such as sheet sets, quilt/duvet covers, bed skirts, shams,
pillowcases, comforters, curtains, table covers, and aprons. The company also
owns a 50 megawatt wind energy project, as well as engages in assembly,
manufacture, and sale of alternative energy and lighting products. It markets its
products in Asia, Europe, Australia, and North America. The company is based in
Lahore, Pakistan.

STOCKS OF SAPHIRE COMPANY

Stock is an instrument that signifies an ownership position (called equity) in a

corporation, and represents a claim on its proportional share in the corporation's assets
and profits. Ownership in the company is determined by the number of shares a
person owns divided by the total number of shares outstanding.
 STOCK FEATURES:

The stock of this company has been able to show better performance at the bottom
line as the company's pretax profit jacked up by 107.3% to Rs 252.82 million as
against Rs 121.98 million in the same period last year...

STOCK IN TRADE Raw materials are valued at average cost. Work in process
represents cost of direct materials and appropriate proportion of conversion cost.
Finished goods are valued at lower of average cost or net realisable value. Waste is
valued at net realisable value.

STOCK PRICES:

0.
Saphier Fiberes 122.50 123.25 123.25 123.25 1
75

FEATURES:

This textile composite unit is principally engaged in manufacturing and sale of yarn,
fabric and home textile products. It is a public limited company incorporated in the
province of Sindh having its registered office located in Cotton Exchange Building I.I.
Chundrigar Road Karachi. Its manufacturing facilities are spread over at six locations
in two provinces ie Punjab and Sindh.These locations are Kotri (Sindh) Nooriabad
(Sindh), Chunian (Punjab) Feroz Watwan (Punjab)...

Year over year, Sapphire Textile Mills Ltd. has been able to grow revenues from
11.7B to 14.4B. Most impressively, the company has been able to reduce the
percentage of sales devoted to cost of goods sold from 85.32% to 81.08%. This was a
driver that led to a bottom line growth from 179.8M to 1.0B.
SNAPSHOT OF SAPPHIRE CORP LTD (SAPP)

OPEN PREVIOUS CLOSE

$0.02 $0.02

DAY HIGH DAY LOW

$0.02 $0.02

52 WEEK HIGH 52 WEEK LOW

12/10/09 - $0.02 01/6/10 - $0.01

MARKET CAP AVERAGE VOLUME 10 D

324.4M 20.5M

EPS TTM SHARES OUTSTANDING

$0.0078 16.2B

EX-DATE P/E TTM

03/25/03 2.6x

DIVIDEND DIVIDEND YIELD

-- --

K = Thousands M = Millions B = Billions

DIVIDEND :

The sapphire have specific info abourt its dividend

INTRODUCTION :

Envisioned to operate as a progressive and dynamic banking entity,

Atlas Bank today stands as a firm reality with a futuristic approach
to help manage personal and commercial finances with ease and
convenience.

Poised to offer an extensive range of commercial banking services,

lucrative assets and liability products, Atlas Bank will be catering to
satisfy and exceed the needs of its valuable customers. With a
devoted and professional team endeavoring to top off the
satisfaction of the customers, Atlas Bank will provide leasing,
financing and trade finance along with export re-finance and wealth
management services. In addition, brokerage and corporate
advisory services will also be offered through its wholly owned
subsidiary. The wide range of asset and liability products being
designed will not only suit the needs of customers but will also
make financial management convenient for them through
innovative deposit schemes that will provide most favorable profit
and security with monthly, quarterly, semi-annual and term income
options or alternatively nest eggs for long term planning. It will
provide solutions for multiple requirements of clients of diverse
financial nature on both institutional and individual levels through
its array of funded and non-funded products and services.
HISTORY :
Atlas Bank Limited is supported by the trusted equity of Atlas
Group, a leading manufacturing, financial services and trading
group that has been at the forefront of country’s economic
development since 1962. With a long-term credit rating of A- and a
short-term credit rating of A2 by PACRA, Atlas Bank began its
journey back in the year 1990 when Atlas Group and the Bank of
Tokyo-Mitsubishi Limited entered a joint venture as Atlas
Investment Bank Limited. Later in 2002, the Bank established a
merger with Atlas Lease Limited and acquired Dawood Bank Limited
in December 2005 and renamed it as Atlas Bank Limited and
merged Atlas Investment Bank in to Atlas Bank in 2006. Atlas
Capital Markets (Private) Limited was also incorporated in 2006 and
is currently a wholly owned subsidiary of the bank. Atlas Bank's
Working Capital Finance is a running finance facility suitably structured to your
business needs. It helps to meet your working capital requirement and short-term
funding needs and allows you to leverage every business opportunity that comes your
way. Once approved, you can withdraw any amount up to the sanctioned limit.
Interest is charged only on the amount utilized.

Salient Features:

• Facility: Running Finance

• Financing Limits: Minimum Rs. 2 million, Maximum Rs. 75 million.
• Primary Security: Residential, commercial property and land.
• Repayment: Monthly debt servicing on daily outstanding balance.
• Servicing: Through designated sales offices and branches.
• Balance Transfer Facility: Available with special incentive.

Additional Benefits:

• Free inter-branch transactions.

• You can avail up to 6 free pay orders.
 • Mobile banking facility.

REFERENCE :

http://www.atlasbank.com.pk/index.shtml
http://investing.businessweek.com/research/stocks/earnings/earnings.asp?
ticker=PAEL:PA
http://investing.businessweek.com/research/stocks/earnings/earnings.asp?
ticker=PAEL:PA
http://www.sapphire.com.pk/home.htm