Presented and Acknowledged

to
Prof. Riaz Ahmad Mian

Group
Members
Awais Farooq

M11MBA028

Muhammad Waleed

M11MBA052

Sheikh Abdul Rehman

M11MBA031

Bank Information

Vision And Mission

To improve the quality of life for everyone
Enabling success; Realizing dreams
To be the most admired Financial Institution in

Pakistan
To rank amongst top 5 banks in

Pakistan

Quick Facts
NIB started as NDLC-IFIC Bank which was

incorporated as a public limited company

Started operations with paid up capital of

Rs. 1.2bn with amalgamation of NDLC and of IFICs Pakistan.

Credit rating by PACRA, Long Term: AA-

Short Term A1+

Temasek Holdings acquired 25% shareholding in NIB through

Investments which was enhanced to over 70% in the same

year.

 Total assets as of March 31, 2011 are Rs. 150 bn.

Present paid-up capital of Rs. 40.4 bn is amongst

one of the highest in banks in Pakistan.
Temasek Holdings remains the largest single

shareholder with approximately 74%

shareholding.
NIB has over 2900 employees.

History of Bank
NDL
NIB Bank was formed by the merger of C

IFIC

NDLC and IFIC in March 2003

It started its operations in October 2003 withNIB
a paid up capital of 1.2 Billion.
In March 2005 Temasek Holdings of Singapore
acquired 25% shareholding in NIB Bank, through
Investments. This shareholding was further enhanced
to over 70% in June '05 following an increase in NIB's
paid up capital to Rs 3.4 bn.

NIB Bank has since grown rapidly from a base of 2

branches in 2003 to 45 in the 4th quarter of 2007, and
179 branches throughout the country in 2011.
In June 2007 it acquired majority shares of PICIC resulting
in the acquisition of PICIC into NIB. The acquisition was
financed through, with resultant increase in NIB's paid
up capital to Rs.22.0 bn.
Currently the bank has a capital of 40.4
billion with Temasek Holdings being
largest investor having 74% shares.

Management Profile

Badar Kazmi
President & CEO
31 years of experience
Regional Head of Standard Chartered
Appointed as CEO of SCB
Awarded Sitara-e-Imtiaz by President of Pakistan
Joined NIB Bank in 2011

Board of Directors
Mr. Teo Cheng San

Chairman &
Director
Director
Director
Director
Director
Director

Mr. Syed Aamir Zahidi

Mr. Tejpal Singh Hora
Mr. Yew Hock Wilson
Mr. Asif Jooma
Mr. Muhammad Abdullah
Yusuf
Mr. Najmus Saqib Hameed Director
Mr. Khawaja Iqbal Hassan Director
Mr. Badar Kazmi
President / CEO

Ownership Profile

Temasek Shareholding
Largest Investor
Asia investment house headquartered in

Singapore
Focused primarily in Asia and Singapore

Chairman
S
Dhanabal
an

Credit rating of AAA/Aaa

Owns 74% of shares as of December 2011

Ownership Profile
Particulars
Sponsors, Directors, CEO & children
NIT & ICP
Banks, DFI & NBFI
Insurance Companies
Modarabas and Mutual Funds
General Public (local)
General Public (foreign)
Others
Foreign Companies
Shares held by 27,222 Shareholders

Percenta
ge %
88.8
0.3
1.2
2.35
0.06
5.41
0.147
1.11
0.59
100

Products and Services

Categorization
Bank offers products and services under three
heads namely:

Retail Banking
SME and
Commercial Banking
Corporate and
Investment Banking

Retail Banking
Current Accounts
Savings and

Investments
Insurance Products

SME and Commercia

Banking
Loans and Services
Trade Finance
Chain Management

Corporate and Investment Banking

Corporate Banking
Investment Banking
Financial Institutions
CorrespondentBanking Products & Services

Current
Accounts

Savings
and
Investmen
ts

Insurance
Products

Current Accounts

NIB Current
Account

Keep your money safe

with minimum hassle

Minimum Amount for
maintenance in NIB
Current Account is Rs.
5000
No Restrictions on
Withdrawals and
Deposits

Basic Banking
Account

Minimum deposit for

account opening Rs.

1,000;
Maximum two deposit
transactions and two
cheque withdrawals
are allowed, free of
charge
Unlimited, free of
charge, ATM
withdrawals

Savings and
Investments
Khazana
Earn profit daily, on the basis of day-end balance
Rate of Interest 5% per annum
No Restrictions on Withdrawals and Deposits

Term Deposit
Available for period 1-5 years
Rate of interest 10.5% per annum
Ability to borrow 95% of the term deposit amount

as loan
Free cheque book for monthly balance

NIB Amanat
Profit paid at maturity
Minimum Balance Requirement Rs. 1,00,000
DEPOSITS

PLS
PLS
PLS
PLS

Term
Term
Term
Term

Deposit
Deposit
Deposit
Deposit

(1
(3
(6
(1

month)
month)
month)
year)

RATE (PER
ANNUM)
for Individuals &
Corp
6%
6.25 %
6.50 %
7.25 %

NIB Promise
Benefits of Saving Plan along with Insurance

Coverage
Rate of Return 12.5% per annum
Insurance security

Foreign Currency Account

Foreign Currency account for savings and

term deposit
In Dollars, Euros, and Pounds
Rate of interest according to LIBOR
Term Deposit from 1 month to 1 yeat

Insurance Products
CashGuard
NIB CashGuard safeguards your cash withdrawn
through ATMs and Over-the-Counter against the
risks of forced snatching through burglaries.

NIB Future
NIB has joined hands with EFU Life
Assurance Limited to bring for its
customers a long term savings and
investment plan along with a protection
plan that keeps pace with their
changing needs at every stage of life.

Loans and
Services

Trade
Finance

Chain
Manageme
nt

Loans and Services

Short Term Loan
At SME level short term demand loans are offered
to satisfy immediate & seasonal needs of clients.
Short-term demand loans provide a good source of
working capital for business.

Running Finance
Under this type of financial accommodation the
borrower is allowed withdrawal in the current
account to the extent of the limit sanctioned. The
facility is generally provided against pledge or
hypothecation of goods or any other tangible
security.

Long Term Financing

The bank also offers Long term financing
at SME level for a period of 1 year which
can be extended to a maximum period of
5 years where deemed suitable

Agriculture Loans
Agricultural Input Loans
Tractor Loans
Agriculture Mechanization Loans
Agriculture Transportation Loans
Livestock, Poultry & Fisheries Loans

Trade Finance
Import & Export Services
Letter of Credit
Documentary Collection
Shipping Guarantees
Finance against trust receipt
Finance against imported merchandise

Import & Export Services

Performance Guarantees
Advance Payment Guarantees
Security Deposit Guarantees

Chain Management
In today's competitive market place,
effectively managing cash flow can make a
difference between success and failure. Bank
offers many services in this regard like:
Online Real-Time Funds Transfer
Wide Network of Branches
ATM
Phone Banking

Corporate
Banking

Investment
Banking

Corresponde
nt Products
and Services

Corporate Banking
The Corporate Banking business operates
through 5 centers in the Country Karachi,
Lahore, Faisalabad, Multan and Islamabad.
It offer a full spectrum of banking products,
from plain vanilla debt to structured solutions to
meet the needs of corporate sector.

Investment Banking

In 2008, the team of Global Securities Pakistan

Limited became a part of NIBs Banking Group. Since
then the bank has successfully structured and
executed some of the largest and advisory and
fundraising transactions in Pakistan.

Correspondent Products &

NIBServices
offers the following products and services
to various financial institutions:
Documentary Letters of Credit
Nostro Accounts
Collections of Clean & Documentary Bills
Guarantees
Treasury
Remittances

Bank Analysis

Financial Analysis

ASSETS

2010

2009

Rupees '000'
Cash and balances with treasury banks
8,836,474
Balances with other banks
2,952,593
Lendings to financial institutions
6,429,166
Investments
50,209,08
Advances
3
Operating fixed assets
74,583,58
Intangible assets
4
Deferred tax assets
2,751,703
Other assets
4,147,736
9,395,264
5,251,463
164,557,0
66

8,834,275
3,684,684
5,681,887
59,496,979
84,021,406
3,135,850
28,669,997
6,411,185
6,949,406
206,885,66
9

LIABILITIES

2010

2009

Rupees '000'
Bills payable
Borrowings
Deposits and other accounts
Sub-ordinated loans
Liabilities against assets
Deferred tax liabilities
Other liabilities

1,335,493
42,361,934
99,111,741
3,996,000

3,866,958

1,574,207
62,523,365
92,838,878
3,997,600

4,604,162

150,672,126

165,538,21

Deposits

140000

120000

100000

80000

60000

116671
104586
92838

99111

40000

20000
22554

30566

10648
0

2004

2005

2006

2007

2008

2009

2010

Investments

70000

60000

50000

40000

30000

59496.9
50209
40439.9

20000

35176.8

10000

1187.5

2004

5129.2

6594

2005

2006

2007

2008

2009

2010

Profits and Losses

1000

-1000

1493
122.6

103.7

125.93

-111.49

2004

2005

2006

2007

2008

2009

2010

-3000

-5000

-7000

-9000

-11000

-9179

-9706

S.W.O.T. Analysis

Strength

Weaknes

ses

Opportuni

Threats

ties

Strengths
1st largest bank in Pakistan as per paid up

capital
7th largest bank in Pakistan with 170 branches
AAA/Aaa rated sponsored TEMASEK holding
Placed in top-10 Pakistani banks in terms of Balance

Sheet size and capital

Strong Advertisement Campaign
Advanced Infrastructure

Weaknesses
Less confidence of customers
Segmenation
High rateof interest
Bank is facing losses at increasing rates in

past recent years

No proper and timely maintenance of website

Opportunitie
s
Free online banking
Wide range of ATM network
Strong potential for the growth
Program based lending
Compatible salary structure

Threats
Very Stiff competition
Slow IT Development
Economic uncertainty in global market
Increase in taxes
Increasing losses in recent years
High volume of unrecoverable loans

P.E.S.T. Analysis

Political

Economic

Technolo

ocio-

Cultural

gical

Political
Factors
Very complex legal system
Lack of confidence on Bank
Bad policies of govt.
Increase tax rate

Economic
Factors
World wide recession
Uneven distribution of wealth
Inflation
Exchange rate
Unemployment
Growth rate

Socio-Cultural
Factors
Population trend
Culture
Religious factor
Costless value of life
Literacy level
No concept about insurance

Technological
Factors
Complications in policies
Online service Provision
Use of new and complicated softwares
Lack of IT knowledge throughout the country

Recommendations
Training of the employs
Introduce new policies as terrorism
Simplify term and conditions
Fair competition in the market
Decentralization
Increase the advertisement of its products
Improvement in HR department

Conclusion
NIB Bank is the newly born institution but it is
backed by powerful international investors it is
growing and has a good credibility and repute
in the market. Now competition has increased
and new entrants are still coming to the
market NIB has to maintain its position
through product innovativeness, customer
care and advertising and promotion.

Any