The document provides information about Soneri Bank, including its history, organizational structure, products and services. Some key points: - Soneri Bank was incorporated in 1991 in Pakistan and is a fully accredited commercial bank with over 230 branches. - It offers various retail and corporate banking services, including savings accounts, loans, trade finance, Islamic banking, and money transfers. - The bank has a clear organizational structure to direct tasks, coordination, and supervision towards achieving its goals. - Products and services discussed include retail banking, corporate banking, Islamic banking, money transfers, investor relations, ATM services, and debit cards.

2. • Marium
• Nimra
• Zoya
• Hina rahim
• Shuja mehak
• Rabia Qadir
• Humna
• Nida
• Sadia
• Rukhsana
• AYESHA IFTIKHAR
Group Members

3. TYPES OF BANKS
Broadly speaking bank can be classified into commercial banks and
central bank.
• The central bank has the function of controlling commercial banks
and various other economics activities.
• Commercial banks are those which provide bank services for profit.
• There are many types of commercial banks such as deposit banks,
savings banks , industrial banks, agricultural banks, exchange
banks and miscellaneous banks.

4. ROSHAN HER QADAM

5. Soneri Bank was incorporated on September 28, 1991 and is listed on all the Stock Exchanges
of Pakistan. The controlling stake in the Bank is held by the Feerasta family.
The Bank commenced operations from its first branch in
Lahore on April 16, 1992. Soneri is a fully accredited
scheduled commercial bank providing a wide spectrum
of retail and corporate banking services through its wide
network of online branches in all major cities including
Northern Areas of Pakistan.
BANK INTRODUCTION & HISTORY:

6. CORPORATE INFORMATION

7. CENTRAL OFFICE M. T. Khan Road Karachi, Pakistan

8. VISION

13.  ORGANIZATIONAL STRUCTURE
An organizational structure defines how activities
such as task allocation, coordination and supervision
are directed towards the achievement of
organizational aims

15. Product and Services
 RETAIL BANKING
 CORPORATE BANKING
 ISLAMIC BANKING
 HOME REMITTANCE
 INVESTOR RELATIONS

16.  RETAIL BANKING
Soneri Bank Limited offers a full range of Retail
Banking services. Corporate and Treasury
operations, worldwide network of
correspondents and a complete range of Trade
Finance products make our bank a perfect place
to do trade business with.

17.  RETAIL BANKING

18.  RETAIL BANKING

19.  RETAIL BANKING

20.  RETAIL BANKING

21.  RETAIL BANKING

22.  RETAIL BANKING

23.  RETAIL BANKING

24. We offer a wide range of banking products and services to our high
end customers for their working capital and long term financing
requirements. In addition, we also offer advisory, debt rescheduling
and cater to capital market needs of our valued clients. Our
business team is geared to meet our client’s requirements and assist
in the best possible manner in making our customers grow their
businesses.
 Corporate Banking Corporate Banking

25. Islamic Banking
Islamic banking refers to a system of banking or
banking activity that is consistent with the principles of
the Shari'ah (Islamic rulings) and its practical
application through the development of Islamic
economics. The principles which emphasise moral and
ethical values in all dealings have wide universal
appeal.

26. Islamic Banking

27.  Soneri Mehnat Wasool Remittance
Soneri Bank Limited (SBL) under the guidance
of Pakistan Remittance Initiative (PRI) (a joint
venture of State Bank, Ministry of Finance and
Ministry of Overseas Pakistanis, Pakistan)
started Home Remittance Payments
Disbursement Initiative in July 2012.
Soneri Mehnat Wasool lets you conveniently receive money
sent from MoneyGram, (with the presence of 327,000+ agents
across 198 countries and territories), Wallstreet Finance
(Canada), Golden Money Transfer (USA) and Al Falah
Exchange (UAE) via more than 240 Soneri Branches
nationwide

28. Investor relations
Soneri Bank has seen a continuous
improvement in its performance over the years.
This is a result of the bank’s commitment and
efforts to provide excellent service to its
customers. This section includes Annual
Report, Quarterly Reports & Key Figures,
highlighting the bank’s performance.

29. Ratings:
Long Term: “AA-” (Double A minus);
Short Term: “A1+” (A one plus)
 These ratings denote a very low expectation of credit risk emanating
from a very strong capacity for timely payment of financial
commitments.
 Credit rating.
Rating Agency:
The Pakistan Credit Rating Agency
(PACRA)

30.  Account opening forms.

31.  Accounts Opening Form Partnership

32.  Accounts Opening Form Single-Joint

33. MArket share price trend

34. AWARDS OF SONERI BANK
 Soneri Bank is proud to have been honored by the CFA Association
with the ‘2011, Best Bank of the Year’ award in the medium banks’
category.
Achievements.

35.  The bank is providing its network facilities in urban ,as well as in
RURAL areas, with a strong occurrence across the country.
 The bank has introduced lingering network of 233 branches and
have almost 258 ATMs across the country.

36.  ATM / Visa Debit Card
Introduction
Soneri VISA Debit Card brings you a hassle-free experience of spending and making payments countrywide. As
a Soneri ViSA Classic Card and VISA Gold Card holder you can avail unmatched opportunities and benefits.
Benefits
•Safer than carrying cash
•Pay dinning, shopping, travelling and other bills at over 27 million outlets displaying VISA signs locally and
internationally
•Worldwide cash withdrawal facility at over 1.7 million ATMs displaying the sign
•Ease of cash withdrawal on

37. VISA Classic Debit Card VISA Gold Debit Card
Cash Withdrawal Rs. 35,000 Cash Withdrawal Rs. 50,000
Purchase (Merchant) Rs. 50,000 Purchase (Merchant) Rs. 100,000
Funds Transfer Rs. 250,000 Funds Transfer Rs. 250,000
What are the available limits on Classic & Gold Card?

38. Which account categories qualify to obtain
Soneri VISA Debit Card ?
Following are the account categories qualified to obtain Soneri VISA Classic &
Gold Debit Cards:
 PLS Savings
 Soneri Savings
 Basic Banking
 Current Account
 Ikhtiar Current Account
 Soneri Sahara Account

39.  Which account categories do not qualify to obtain
Soneri VISA Debit Card ?
Following account categories do not qualify to obtain Soneri VISA Debit Card:
 Any Non-Personal account i.e. Companies, Organizations, Trust Account,
Government Account and Collection Account, etc. except for Sole Proprietorship
accounts
 Customer accounts having joint operations
 Dormant, inoperative, blocked or restricted accounts
 Partnership accounts

40. Sms Alerts
Introduction
Soneri Bank is providing SMS Alert Service to all
of our customers, to make their lives hassle free
and secure. SMS Alerts are a useful tool to
safeguard Debit Card usage by providing instant
updates about your financial transactions.
Simultaneously it also provides the convenience to
get the information of your financial transactions
performed via Current and Saving accounts on
your mobile phones.

41. Following are the Customers eligible to receive SMS Alerts Service :
Customers having
• Current
• Saving Accounts
• VISA Debit Card holders
All eligible customers using any GSM connection (includes all Mobile SIM
providers) can avail this service

42.  Financial transactions covered by this Service include:
• Cheques (Inward Clearing & Outward Return)
• ATMCash Counter Transactions (Any Amount Deposit or Withdrawal)
• Internet Banking, Mobile Banking, Call Center & ATM Clearing Cash
Withdrawal
• Bill payment through Internet Banking, Mobile Banking, Call Center & ATM
• Fund Transfers through
• VISA Debit Card use at the POS machines
 Transactions NOT covered by this Service include:
• Profit Payments
• Auto Debit

43. Now you can ask any question
regarding our presentation
from our any group member.