DEFINATION OF BANKING:

"Banks do business of money. Rather banks do business of lending and borrowing

loans."
"Banks are guardian distributor of cash money."
"Banker or a Bank or a person or company carrying on the business receiving money and
collecting drafts for customers subject to the obligation of honoring cheques drawn upon
them from time to time by the customer to the extent of the amount available on their
current accounts."
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Evaluation of Banking:
It has not so far been decided as to how the word bank originated. Some authors opine
that this word is derived from the word ban cues or banque which mean a bench.
The explanation of this origin is attributed to the fact that the Jews in Lombardy transacted
the business of money exchange on benches in the market-place; nad hewn thebusiness failed, the
banco was destroyed by the people incidentally the word bankrupt is said to have been evolved
from this practice the opponents oh this opinion argue that if it was so, then how is it that the Italians
money changer were never called Banchierei in the middle ages? Other authorities hold the opinion
that the word bank in derived from the German word back which means joint stock fund latter
on when the Germans occupied major part of Italy the word back was Italianized into bank'. It is
therefore not possible to decide as to which of the opinions is correct, for no records available to
ascertain the validity of any of the opinions.

Modern Banking:
Banking in its modern form and structure stared in Britain when many of
the Lombardy merchants came to England in the fourteenth century and settled in the
parts of the city of the London now called Lombard Street. The king Edward III
established the Office of Royal Exchanger for changing foreign money at a profit
for the benefit of the Crown. In 1854 the joint Stock Companies Act opened an era
of corporations; and the Limited Liability Act, 1855, restricted the liability of the
share holder of the limited company.

Types of Banks:
Primarily all banks gather temporarily idle money for the purpose of lending to
other and i nvest ment gai n i n t he for m of ret urn, profi t s and di vi dends et c.
however, due t o t he verity of resources of money and the diversity in lending
and investment operations, banks have been place in various categories, such as
Commercial bank
Savings bank
Merchant banks
Mortgage banks
Consumer bank
Investment bank
Central bank
Commercial Bank:
The commercial banks received deposits from the general public, which
are repayable on demand upon written orders of the depositors. As their most
distinctive feature the commercial banks maintain the checking accounts for the
constitutions. The commercial banks are also distinguished for providing short -
term finance to trade, commerce and industry to enable these sectors to expand their
productive activities

Merchant Banks:
Mer c hant ba nks ar e t hos e, whi ch ha ve bee n mai nl y f i nanci ng
t he domes t i c andi nternat i onal t rade. Duri ng t he l at e 18
the and e ar l y 19th centuri es t he t rade bet ween countries was financed by bill of
exchange by well-reputed merchants houses for which they would charges a commission
for their services

Savings Banks:
The basic purpose of these banks is to inculcate the habit of saving in the
people the savings bank' s deposits are not repayable upon only the written order
of depositor but t he depos i t or of hi s a gent has t o a ppear per s onal l y at
t he s a vi ng ba nks t o ma ke withdrawal and for this purpose he must present a
pass book a certificate of deposit or some similar documents to prove his
right to receive his payments. Post office savings banks and savings accounts at
national saving organizations are well known national saving banks in Pakistan.

Mortgage Banks:
These banks mainly deal in loans for acquisition or construction of real
estate against the securities of mortgage.

Consumer Banks :
Thes e ba nks pr ovi di ng f i nance f or pur c has i ng cons umpt i on g
oods f or t he us e of Brewers

Investment Banks:
These banks assists business houses and governmental bodies to raise money
through the sale of stocks and bond for usually long term purposes
these banks perform theus ual f unct i ons of r ai s i ng depos i t s of i dl e mon
e y f r om t he publ i c and f i nance t he business houses other bodies.

Central Banks:
Central banks occupy the unique position in banking structure of a country
because they have been interested with the responsibility of controlling the
money supply, interest rate, and financial market of a country for the purpose of
economic development.

Islamic Banking:
Islamic banks appeared on the world scene as active players over two
decades ago. But "many of the principles upon which Islamic banking is based
have been commonly accepted all over the world, for centuries rather than decades".
Roughly 20% of the world's population is Islamic. While some in the Western
world t hi nk t hi s popul at i on i s onl y i n t he Mi ddl e East , t he rel i gi on i s
t rul y gl obal : from t he Mi ddl e East , t o Af ghani st an, t o t he US, t o
Indonesi a, and ever ywhere i n bet ween. Attention to Islamic finance obviously
accelerated since 9-11, but it is worthy to note that an Islamic finance meeting was
actually scheduled for 9-12 in the WTC and that the Islamic Finance movement
was already growing very rapidly. According to estimates in the Wall Street Journal
Islamic finance is roughly a $150 billion dollar market.

Sharia:
An Islamic Economy is an economy that is regulated by a set of rules based on
outlines set by the Islamic Sharia" Sharia is the set of guidelines mentioned in the
Quran.

Islamic Financing:
Is a concept that emerged in scientific manners in the second half of the
past century. With the expanding role that the banking system and money
handling, many Muslim communities were faced with a problem over the concept of
INTEREST.
In Islamic Sharia, there is a straight forward and definite rule that has to be
obeyed, i.e. NO RIBA.

Riba:
By Definition, Riba is an Arabic word that literally means extra "In regards to
Islamic Sharia, Riba means the lending of money for a specific time whereupon the
lender receives his money with an EXTRA amount agreed upon. It was what
most people in finance call interest.

Banks with No Interest:
A bank that neither charges nor pays an interest is an intriguing
concept. Especially if we consider the existing (and dominate) global banking system
(that is interwoven with all the daily aspects of our life) is based on interest.

Three forms of financing:
Modaraba (Participation Financing)
Morabaha (Financing Resale of Goods)
Ijara (Lease financing)


Modarba:
Modaraba (Participation Financing) falls under three categories
Demand Deposits
Mutual Investment Deposits
Special Investment Deposits

Morabaha:
Another form of a relationship between a customer and an Islamic bank
is that of buyer and seller. This contract is known as Morabaha (Financing Resale of
Goods).The bank buys goods or products from its owner directly on the request of the
customer and then resells it to the customer, at a selling price higher than the purchase
price. The cust omer t hen pays any consi derat i on t o t he goods he purchased
on an i nst al l ment basis, as per an agreed repayment schedule.

Ijara:
The third method, or Ijara (leasing), requires an Islamic bank to
purchase equipment and lease them to the customer for a specific period of time. At the
end, in most cases, the Bank will transfer the title to the customer either by executing a
sale agreement for a normal value or by way of donations.


INTRODUCTION ABOUT BANKING SECTOR:

Banking is the business of providing financial services to consumers and businesses. The
basic services a bank provides are checking accounts, which can be used like money to
make payments and purchase goods and services; savings accounts and time deposits that
can be used to save money for future use; loans that consumers and businesses can use to
purchase goods and services; and basic cash management services such as check cashing
and foreign currency exchange. Four types of banks specialize in offering these basic
banking services: commercial banks, savings and loan associations, savings banks, and
credit unions.
A broader definition of a bank is any financial institution that receives, collects,
transfers, pays, exchanges, lends, invests, or safeguards money for its customers. This
broader definition includes many other financial institutions that are not usually
t hought of as banks but whi ch nevert hel ess provi de one or more of t hese
broadl y defined banking
services. These institutions include finance companies, investment
companies, investment banks, insurance companies, pension funds,
security brokers and dealers, mortgage companies, and real estate investment trusts.



INTRODUCTION AND HISTORY OF FAYSAL BANK:
Faysal Bank started operations in Pakistan in 1987, first as a branch set-up of
FaysalIslamic Bank of Bahrain and then in 1995 as a locally incorporated Pakistani bank
under the present name of Faysal Bank Limited. On January 1, 2002, Al Faysal
Investment Bank Limited, another group entity in Pakistan, merged into Faysal Bank
Limited which resulted in a larger, stronger and much more versatile institution. In fact it
has the highest share capital amongst private banks in Pakistan and is amongst the largest
in terms of equity. Faysal Bank Limited is a full service banking institution offering
consumer, corporate and investment banking facilities to its customers. The Banks
widespread and growing network of branches in the four provinces of the country and
Azad Kashmir, together with its corporate offices in major cities, provides efficient
services in an effective manner. The strength and stability of Faysal Bank Limited is
evident through the Credit Rating assigned by JCR-VIS Credit Rating Company Limited
of AA (Double A)for long to medium term and A-1+ (A One Plus)for short term.
The majority share holding of Faysal Bank Limited is held by Ithmaar Bank B.S.C an
investment bank listed in Bahrain. faysal bank was introduced in D.I.Khan in 2011.
Group Information:
Ithmaar Bank B.S.C. is licensed by the Central Bank of Bahrain and listed on
theBahrain Stock Exchange (ITHMR). It has a paid-up capital of US$360 million, total
equity of US$1.1 billion and is a full investment bank with its direct business covering
the Middle East and North Africa (MENA) region, as well as South Asia, Asia-Pacific
and Europe. Besides holding significant investments in the banking, financial services
and real estate sectors in different markets, the main activities of the Bank include under
writing (equity and other financings), private equity (structuring, participation and port
folio management), Islamic financing, private banking, and advisory services covering
project financing, investments, capital markets and mergers & acquisitions.

Capital and Ownership:
Ithmaar Bank B.S.C, an investment Bank in Bahrain is the ultimate holding
company of Faysal Bank. The remaining shareholders comprise of general public,
NIT and other Pakistani institutions.

VISION STATEMENT
To be the bank of first choice with the highest ethical principles as our guiding force.

MISSION STATEMENT
To excel in providing innovative, value based banking solutions to meet
changing needs of customers and to strengthen the image of trust and reliability.

OPENING DOORS TO LIMITLESS POSSIBILITIES:
We open door t o l i mi t l ess possi bi l i t i es for our st akehol ders by pro
vi di ng banki ngsolutions that deliver results through meticulous planning,
focus on specific objectives, set t i ng pri ori t i es ri ght , and put t i ng i n pl ace
st rat egi es and processes t hat hel p yi el d better growth with higher return.

OUR VALUES:

INTEGRITY
We will hold fast to the highest standards of ethical conduct to meet our
commitments to your customers, employees and shareholders. above all, we will hold
true to our person a commitment and conviction to the truth.

Our Integrity: Our Identity Corporate governance:
Our goal is to respond a rapidly changing business environment in a
timely manner to improve corporate citizenship and transparency by reinforcing our
ethical standards and building a relationship of trust with customers and stakeholders.

Corporate social responsibility:
We bel i e ve t hat t he hi ghes t s t andar ds of e nga ge ment mus t no
t be onl y wi t h our stakeholders, employees or customers but also within the
community in which we work and live. We abide by the laws of Pakistan in which
we do business, we strive to be a good corporate citizen and take full responsibility of
all our actions.

Teamwork:
As a team, we play to win from the smallest unit to the enterprise as a whole. We
achieve far more as a team than as individuals.

Our Team: Our Assets Respect:
We appreciate our diversity and believe that respect for our employees,
customers, stakeholders, and all those with whom we interact are an essential element of
all positive and productive business relationships. We treat everyone as we wish to be
treated with dignity and respect.
Our Respect: Our Values

PRODUCTS AND SERVICES:
We are a progressi ve bank st ri vi ng t o offer i nnovat i ve product s,
easy accessi bi l i t y, qual i t y s er vi ce & conveni e nce t o our cus t omer s .
We of f er cus t omi zed f i nanci ng solutions with flexible criteria and convenient
loan tenures. You can avail car, home and personal l oans t hrough our vari ous
branches. We al so offer a host of Corporat e &Invest ment Banki ng Servi c
es t o our cl i ent s, whi ch i ncl ude fi nanci al and corporat eadvisory services,
along with a wide array of tools to help them achieve their goals.

Deposit Accounts
Faysal Saving Account
Rozana Munafa Plus Account
Basic Banking Account
Faysal Moavin
Faysal Premium
Faysal Izafa
Mahfooz Sarmaya
FCY Saving Plus

Consumer Loans
Cat Finance
House Finance
Faysal Finance

Corporate & Investment Banking
Corporate Financing
SME Finance
Trade Financing
Treasury & Capital Markets
Investment Banking
Cash Management

Services
Pocket Mate VISA debit card
Traveler Cheques
Transfer of funds
Safe Deposit Locker
Non-stop Banking

CUSTOMER SERVICES DEPARTMENT:

Requirements for Account Opening and closing of Account: Terms and Conditions

Account opening requires things:
National id card of the customer and introducer
Introducer
Visiting card or employment certificate.


Customer:
Customer is the person who comes with the purpose of opening the account

Introducer:
Introducer is a person having the account in same branch and gives
guarantee about t he cust omer. If t he i nt roducer i s not proper t han st at e
bank char ges RS 5000/ - per head from that employee of the bank who has
opened the account of the customer on the request of the introducer.

Procedure of Account Opening:
First of all, the customer is required to fill an application form. Then he
attaches the photocopy of his identity card and fills the signatory cards. Now he
fills the pay-in slip and deposits money on the counter. Bank allotted an account
number within one day after confirming from the head office which is at Mall road
Lahore. Now he fills the pay-in slip and deposits money on the counter.
Following things are needed for opening of account:
Account opening form
Specimen Signature card
Next of kin
Letter of thanks
Issuances of cheque book

Account Opening Form:
Account opening form consist of
Category of account
Currency
Title of account
Account number
Customer information
Initial deposit
Authorized person in case of customer death

Specimen Signature Card:
The signature card included the name and specimen signature of the customer

Next of Kin:
In the next of kin the customer authorized the bank to pay the
proceedings of his/her PLS/ Cur r e nt f or ei gn cur r enc y acc ount t o t he r
el at ed per s on by des cr i bi ng t he relationship of the person with the customer
after the death of the customer.

Letter of Thanks:
Letter of thanks is the latter issued by the bank to the customer for two purposes
1st purpose is to say thanks to the customer for opening the account in their bank.
2nd purpose is to confirm the address provided by the customer while opening
the account.

Issuance of Cheque Book:
Cheque book i s i ssued t o t he cust omer aft er sendi ng t he l et t er of
t hanks when t he customer comes with the latter of thanks and requests for the
issuance of the cheque book. A cheque book (usually having 25 leaves) is issued to the
customer.

Closing of Account:
The customer can close the account. The customer is required to submit an
application for closing the account. The account is closed out and his balance is
paid to him after deducting the closing charges.

There are many reasons for closing of account
Account holder Owen request
Death of account holder
Closing of account due to the bad manners of account holder

Required Procedure for Opening an Account:
Fi r s t of al l , t he cus t omer get s an appl i cat i on f r om t he bank,
whi c h r e qui r es al l i nfor mat i on necessar y for openi ng account and al so
t he document s requi red. An account can be opened as:
An i ndi vi dual acc ount
J o i n t a c c o u n t
Pr opr i et or s hi p ac count
Li mi t e d c ompany a cc ount
P a r t n e r s h i p
Cl ub, soci et y, associ at i on and t rust

Information Required by the Bank:
Name
Address
Telephone No.
Currency of Account
Nature of Business
Country of Residency
Special instructions regarding the account
Signatures

Documentation In case of limited company accounts:
Photocopy of National Identity Card of each director
Application form
Copy of companys memorandum and articles of association
List of directors
Copy of board resolution
Certificate of incorporation
Their signature cards
Certificate to commence business

Documentation In case of Partnership Account:
Application form
A copy of partnership deed
Signature cards of partners
Registration certificate copy
A copy of National Identity Card of each partner

Documentation In case of Club, Society, Association or Trust:
Application form
Copy of rules
Certified copy of resolution
Signature cards

When the concerned officer is satisfied then he opens the account and gives an
account number that will be used in all communications with the bank in
regard to the account and when making deposits and withdrawals.

Types of Account:
Current account:

Faysal Sahulat (Pak Rupee Current account)
Faysal Sahulat is a transactional account specially designed for individuals or
business customers who want instant access to their funds with no restrictions on the
number of transaction.

Features:
Account can be opened with an initial deposit of Rs. 5,000.
Unlimited transaction facilities.
On maintaining an average balance of Rs. 300,000 following additional facilities
are provided.1. Unlimited cash deposit facility2. One small locker and one ATM
free.3. 365 Pay orders, 365 Demand Drafts, 365 cheque leaves per year free.
Access to account through on-line banking at all Faysal Bank branches across
Pakistan.


Basic Banking Account:
As per SBP prudential communicated via BPD circular No.30, Faysal Bank has
introduced the Basic Banking Account (BBA) to cater the needs of low income groups
having the following features.

Features:
Account can be opened with Rs. 1000/.
No requirement for maintaining a minimum balance
Maximum of two free deposits and withdrawals are allowed in a month.
Free of charge statement of account for customers once a year. In case more
statements are required than standard charges would be applicable.
Free ATM transactions on Faysal Bank ATM machines. However charges would
apply on non Faysal Bank ATM machines as per SOC.

Saving accounts:

Faysal Savings:
Faysal Savings is specially designed to cater to your hard earned savings.

Features:
Account can be opened with an initial deposit of Rs. 10,000/.
No restriction on the number of transactions.
Profit is calculated on monthly average balance.
Profit payment on six monthly basis.
Access to account through on-line banking at all Faysal Bank branches across
Pakistan.

Rozana Munafa Plus:
To provide the best possible returns for individual, corporate and business
customers, the Rozana Munafa Plus Account offers you the opportunity to earn profit
every day and get your profit month.

Features:
Account can be opened with an initial deposit of Rs. 100,000/ for individuals and
Rs. 500,000/ for corporate customers.
Profit is calculated on monthly average balance.
Profit payment on monthly basis.
Tiered profit structure providing an incentive to save more.
Access to account through on-line banking at all Faysal Bank branches across
Pakistan.
Faysal Premium:
Faysal Premium is a savings account specially designed for high value deposits
with attractive profit rates having the following features.

Features:
Account can be opened with an initial deposit of Rs. 5 million
Profit is calculated on monthly average balance.
Profit payment on monthly basis.
Tiered profit structure providing an incentive to save more.
Access to account through on-line banking at all Faysal Bank branches across
Pakistan.

Faysal Moavin Savings Account:
Faysal Moavin is a Savings account made for genuine individual savers like you.
Faysal Moavin offers the perfect combination of savings account matched with the
flexibility of a current account.

Features:
No minimum balance requirement
No restriction on the number of transactions.
Profit is calculated on monthly average balance.
Profit payment on monthly basis.
Tiered profit structure providing an incentive to save more.
Access to account through on-line banking at all Faysal Bank branches across the
country.
Easy access through cheque book an ATM/Debit card. The ATM/Debit card cane
used at over 2000 ATMs in the country.

Term deposit:

Faysal Izafa:
At Faysal Bank we realize that every customers financial needs are different. As
result, the Faysal Izafa Term Deposit is designed to provide individuals and corporate
customers an opportunity to grow their money securely and earn attractive profits.

Features:
Account can be opened with an investment as low as Rs. 25,000/.
Tenure from one year to five years.
Annual and monthly option available.
Financing facility of up to 90% of invested amount.
No annual fee for the ATM/ Debit card for the entire tenure.
First cheque book on investment of Rs. 300,000/ or more.





Foreign Currency Account:

Faysal Mahfooz Sarmaya:
Faysal Bank endeavors to build and strengthen customer relationships by
providing innovative banking products and services. To provide convenience and value to
customers with foreign currency related needs, Faysal Banks Mahfooz Sarmaya foreign
currency account offers attractive features:

Features:
Account can be opened in three major international currencies: US Dollars,
Pound Sterling and Euro.
Minimum balance for opening Mahfooz Sarmaya Foreign Currency Account
is1000 units of the currency in which the account is opened
Account can be opened in any of the following types:
Savings Account
Term Deposit Account


Current Account:
With Mahfooz Sarmaya Account, you become eligible for Pak Rupee financing
facility of up to 75 percent of the deposit in your account at very competitive financing
rate. With Mahfooz Sarmaya Account, you automatically qualify for special rates for car
and home financing.

FCY Saving Plus:
FCY Saving Plus is a new foreign currency savings account with attractive profit
rates where customers get their profit on a monthly basis.

Features:
Account can be opened in US Dollars, Pound Sterling and Euro currency.
Minimum balance for opening FCY Saving Plus is 500 units of the currency
Profit is calculated on monthly average balance.
Profit is disbursed on monthly basis.
Tiered profit structure providing an incentive to save more.
No FCY cash deposit charge son maintaining the monthly average balance
equivalent to USD 50k or above, the following additional facilities are provided.
Free online banking
Priority Banking
Borrowing in PKR up to 90% of FCY
Preferential rates on consumer finance

Services:

Pocket Mate (Visa Debit Card):
Combining the wide acceptability of a credit card and the thoughtful prudence of
anatomy card, Faysal Bank Pocket Mate is the most convenient way to carry cash. No
more fear of overspending. No more searching for the nearest ATM. Pocket Mate Visa
Debit Card provides you with the freedom of worldwide acceptability at over 27 million
merchant outlets as an ATM card operative at all ATMs in Pakistan plus at over 1
Millionths worldwide bearing VISA logo.

Debit Card vs. Credit Card: Better Control on Expenses:
Pocket Mate Visa Debit Card gives customer a much better control over their
finances. In credit cards, there is a risk of spending more than the repayment capacity.
There arena such issues with Pocket Mate as the amount is directly debited from the bank
accountant there are no chances of overspending. All Pocket Mate transactions are
subject to authorization, which means whenever you do a transaction the status of your
account is checked.

No monthly installments:
Since with Pocket Mate you are using your own funds there is no risk of over
spending nor any worries to pay monthly bill on time.

No Minimum Income Requirement:
Unlike Credit Cards, the Pocket Mate is easy to obtain. There is no preset income
requirement to enjoy the benefits of this fast, convenient and safe debit card. All you
need to do is open and maintain an account with any of the branches of Faysal Bank.


Product Features: Worldwide Acceptance:
Travel the world and enjoy the freedom of using your Pocket Mate Visa Debit
Card. It gives you access to over 27 million shops and 1 million Visa ATMs all over the
world, giving you the freedom of payment anywhere in the world.

Countrywide Acceptance:
Your Pocket Mate Visa Debit Card is accepted at over 40,000 merchant
establishments in Pakistan i.e. restaurants, department stores, grocery stores, petrol
pumps, etc. Besides, you can use it conveniently at more than 2,000 ATMs all over
Pakistan.

Maximum Security:
The Pocket Mate Visa Debit Card contains additional security features, it can
only be used Electronically, which means lesser probability of fraudulent attempts on
the card.

Easy Traveling:
Your Pocket Mate Visa Debit Card saves from carrying cash or writing cheques.
It means customers no longer have to stock up on travelers cheques or cash when they
travel.

24-Hour Customer Service:
Our 24-Hours Customer Service is there to help you with your requests. Our
well-trained and qualified Customer Service team will assist you in answering your
queries, registering and resolving your complaints, reporting a lost or stolen card and
activating your card.
Overview of Expenses:
Each single charge and each withdrawal of cash at ATM made using your Pocket
Mate shall be clearly itemized on your bank statement enabling you to easily check the
status of your account.

Three Supplementary Cards:
Pocket Mate also gives you the facility of having up to 3 supplementary cards
issued against one primary card. All supplementary cardholders will be able to conduct
ATM or Debit transactions within the limits of the primary card account.

Lost Card Protection:
Card is safer than cash! Feel safe even in the event of losing your card!! All
you need to do is to call our 24-hour Customer Care, and a new card would be issued to
you within a week. You are protected from any financial liability arising from any
purchase transaction made on your lost card after it has been reported lost.

How to Apply
Existing Faysal Bank Debit Card holders have to fill a simple application form to
obtain Pocket Mate. Existing account holders not possessing any card presently can also
apply for Pocket Mate by submitting the application form. To be a part of Pocket Mate
family ,one must have a Current or Saving account at Faysal Bank.

Delivery of Pocket Mate:
Your Pocket Mate will be delivered to your branch within 5-7 days of your
application submission.


FAYSAL FINANCING DEPARTMENT:
Faysal Car Finance
Faysal Home Finance
Consumer Loan Faysal Car Finance:

Faysal Car Finance is the most flexible product designed to meet customer needs.

Features:
Car Financing for locally manufactured new and used cars and imported cars.
Car Financing up to five years
Down payment only 20% of the car value
Minimum documentation charges.
Fast processing.
Option to prematurely terminate the facility.

Eligibility:
Now you can swiftly, easily and cost effectively owns a car if you are:
A Pakistani National holding the New Computerized Identity Card (NADRA)
Minimum 20 years of age at the time of financing.
A Businessman or Self-Employed with a minimum of one year experience in the
same business and profession.

A Salaried person with at least two years employment history.

Housing Finance:
Faysal Housing Finance gives you so much more than great financing rates - We
help you all the way to make your next move in an easy and timely manner. Whether you
want to build a new home or are in a hurry to move into a ready built house or just want
to renovate your existing home or even transfer your existing expensive mortgage finance
balance, it is time to come to us for help and advice. We offer you the following

Housing Finance Packages:
Buy a Home
Build a House
Home Renovation
Balance Transfer Facility

Features:
Flexible repayment options
Option to partially or fully terminate the facility.
Financing tenor up to 20 years!!!
Fast processing.
Minimum processing charges
Enhancement option available
Financing available up to 80% of the market value of the property.
Eligibility:
A Pakistani Resident and National holding the New Computerized Identity
Card(NADRA) or Non-Resident Pakistani holding a NICOP.
Aged between 25 to 60 years if you are a salaried person and of 65 years if you
are in business
In continuous employment for 3 years and at least 1 year with the existing
employer.
In business with at least 3 years of business or professional experience

Corporate and Investment
Corporate investment
Faysal Bank Limited is fully geared to meet the changing economic challenges
present in Pakistan. We are ever striving to build meaningful relationships with our
customers and become partners in their growth and progress by acting as financial
advisors and consultants as well as financiers. Our Corporate Finance Group extends both
short and long term financing facilities designed to fulfill the individual need of each
corporate customer.

Investment Banking:
With the everchanging business environment in Pakistan, companies need expert
partners with a keen understanding of business to help achieve profit objectives. At
Faysal Bank, we offer the leaders of businesses and institutions, corporate advisory
services and a wide array of tools to help them accomplish their goals. We advise and
facilitate the arrangement of commercial paper, syndications, mergers, acquisitions and u
nder writing arrangements amongstmany others. Whether the customers require financing
of a project or managing of investments, we can guide them through the markets and
tailor a solution to meet their specific needs.

Agricultural Financing:
Faysal Bank offers specialized products for the agricultural sector. Our branches
located in agricultural areas of Pakistan are all equipped to help the local farmers improve
their yield and methods of farming by offering timely and affordable modes of financing
to suit their needs. To increase its outreach into agricultural regions of Pakistan, Faysal
Bank has entered into strategic alliances with other specialized banks through which it
will be financing the needs of farmers.

Cash Management:
Faysal Bank's Cash Management department has emerged as one of the leading
cash management solution providers in strategic markets such as local corporate, multi-
national companies, and mid-tier markets. Faysal Bank's role in these segments spanthe
entire spectrum of services including but not limited to Strategic Receivables/Payables
Management, Corporate Electronic Banking, Payroll and Fund Management services,
Dividend processing, and Process Re-engineering. Success of cash management services
is primarily attributed to its focus on providing stream lined and customized solution that
add value to business process of its clients.

Online Facility:
Now the bank gives you the absolute convenience of instant access to a host of
banking facilities and personalized services 24 hours a day, 7 days a week, 365 days a
year. Simplify the way you bank and experience a higher level of convenience.

Features Online:
Faysal Bank now offers free online banking to its customers on Faysal Sahulat
Current Account. The account is specially designed to address the needs of those
individual(joint, salaried, retired) and business customers who seek instant access to their
fund sat any Faysal Bank Branch across Pakistan.
Check your account balances
Transfer funds between your own accounts and to a third party account
You can use your card for loan account payments
Check transaction history of your accounts
Get your account statement through fax
Receive information on various FAYSAL bank products and services
Find out status of your card or loan application
Request balance or reference certificate
Get currency exchange rates
Issue stop payment instruction
Report loss of your cheque book
Request change in address and telephone numbers



Internet Banking:
Banking at consumer fingertips Internet Banking offers the customers
convenience to manage and control his banking and finances when he wants, where he
wants! It's Simple, Convenient, Secure and Faster. So, just by clicking one can enjoy this
facility. Features of internet banking
24x7 Access
The customers now have access to your account 24 hours a day, 7days a
week. They can transfer funds or even pay bills even if it's a holiday.

Secure and Faster
Secured & encrypted with latest tools and technologies, internet
banking is the choice for secure and fast Internet Banking.

Simple and Convenient
Easier navigation and help provided at every step, so the customers can
have most out of this service. With convenience is just a click away. To use
Internet Banking, consumers should be a registered FAYSAL Bank
Accountholder with a valid ATM Card. If someone does not have an account, he
may visit any of the nearest branches and open his account and obtain an ATM
Card. Our friendly branch staff will help him open his account quickly.

Toll Free Number:
Connect to FAYSAL bank ONLINE by dialing from anywhere within Pakistan.
Your call costs you nothing because it is toll free. This just goes to show that we at
FAYSAL bank always put your interests first

Convenience:
Why visit the bank when you can better use your precious time to meet other co
mmitments? With ONLINE, our special discounted charges also offer you substantial
savings. Give yourself the advantage of breakthrough innovation and cutting edge and get
time on your side.

Reference: Zahoor Mahsood
Relation Manager