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Human left the need of bank when they used the money as a medium of exchange.
Definition of bank;
A financial institution which deals with money and credit it accepts deposits from
individuals, firms, and companies, give them low interest rate on it while it charges high interest
rate that needs the credit. In fact, banks pay no interest on some types of accounts, such as
checking accounts or current accounts. Sometimes they even charge a fee to look after customers
History of banking in Pakistan;
Most of banking business was in the hands of Hindus of British people and only two
banks were in the hands of Muslims and one bank was already in Pakistan. There were 19 non-
Indian foreign banks in Pakistan before independence whose policies and operations were
controlled by their head offices abroad. These banks were engaged in export of crops from
Pakistan.
Bank is an institution transacting the business of accepting, for purpose of lending, of
deposits of money from the public, repayable on demand otherwise, and withdraw able by
cheque, draft order or otherwise and includes any post office saving bank. Banks are financial
intermediaries. The role of a financial intermediary is to sell its own obligations with attractive
features, at higher prices than paid to buy. Bank acquires some interest on selling its obligations
and bears the same on buying. In 1974, all the existing banks were nationalized by the
Government. The performance of nationalized banks deteriorated due to government protection
to employees, resulting into the provision of inferior products and poor services. It also
discouraged the private investors and foreign financial institutions. The poor performance of
nationalized banks caused the reforms/privatization of banking sector in early 1990s. This study
reflects an updated picture of Pakistani banking sector since its creation. It enables the readers,
academician and bankers to have a look about banking developments in Pakistan as the journey
from conventional banking to Islamic banking to enhance their understanding
Pakistan’s banking sector consists of commercial banks, foreign banks, Islamic banks,
development finance institutions (DFI’s), and micro-finance banks. Presently there are 26
commercial banks, 6 DFI’s, and 11 micro-finance banks operating in the country.
List of banks in Pakistan
Public Sector Banks
National Bank of Pakistan
The Bank of Punjab
Sindh Bank
Bank of Khyber
First Women Bank
Specialized banks
Industrial Development Bank
SME Bank
The Punjab Provincial Cooperative Bank
Zarai Taraqiati Bank Limited
Private Banks
Askari Bank
Allied Bank Limited
MCB Bank Limited
Bank Alfalah
Bank AL Habib
Faysal Bank
HBL
Habib Metropolitan Bank
JS Bank
NIB Bank
Samba Bank Limited
Silk bank Limited
Soneri Bank
Summit Bank
United Bank Limited
Islamic banks
BankIslami Pakistan Limited
Meezan Bank
MCB Islamic Bank
Al Baraka Bank Pakistan Limited
Dubai Islamic Bank
Foreign Banks
Deutsche Bank AG
Industrial and Commercial Bank of China Limited
Citi Bank
Standard Chartered Pakistan
Microfinance Banks
Khushhali Bank Limited
NRSP Microfinance Bank
Apna Microfinance Bank Ltd. (formerly NMFB)
FINCA Microfinance Bank Limited (Formerly Kashf Microfinance Bank Ltd.)
Mobilink Microfinance Bank Limited
Pak-Oman Microfinance Bank Ltd. (POMFB)
Tameer Microfinance Bank Limited (TMFB)
The First MicroFinanceBank Ltd. (FMFB)
The Punjab Provincial Cooperative Bank Ltd
U Microfinance Bank Limited
Waseela Microfinance Bank
Topics
1) PESTEL Analysis
2) Porter Five Forces Model
3) Scenario Analysis
4) SWOT analysis
(1) PESTEL ANALYSIS
A PESTEL analysis is a framework or tool used by marketers to analyze and monitor
the macro-environmental factors that have an impact on an organization. The result of which is
used to identify threats and weaknesses which is used in a SWOT analysis.
Political Factors
These are all about how and to what degree a government intervenes in the economy.
This can include – government policy, political stability or instability in overseas markets,
foreign trade policy, tax policy, labor law, environmental law, trade restrictions and so on.
Economic Factors
Economic factors have a significant impact on how an organization does business and
also how profitable they are. Factors include – economic growth, interest rates, exchange rates,
inflation, disposable income of consumers and businesses and so on.
Social Factors
Also known as socio-cultural factors, are the areas that involve the shared belief and
attitudes of the population. These factors include – population growth, age distribution, health
consciousness, career attitudes and so on. These factors are of particular interest as they have a
direct effect on how marketers understand customers and what drives them.
Technological Factors
We all know how fast the technological landscape changes and how this impacts the way we
market our products. Technological factors affect marketing and the management thereof in three
distinct ways:
New ways of producing goods and services
New ways of distributing goods and services
New ways of communicating with target market
Environmental Factors
These factors have only really come to the forefront in the last fifteen years or so. They
have become important due to the increasing scarcity of raw materials, pollution targets, doing
business as an ethical and sustainable company, carbon footprint targets set by governments (this
is a good example were one factor could be classes as political and environmental at the same
time).
Legal Factors
Legal factors include - health and safety, equal opportunities, advertising standards,
consumer rights and laws, product labeling and product safety. It is clear that companies need to
know what is and what is not legal in order to trade successfully. If an organization trades
globally this becomes a very tricky area to get right as each country has its own set of rules and
regulations.
Subject;
Strategic Management
Submitted To;
Mam Nosheen Sarwat
Submitted By;
Muhammad Shakeel
Roll NO#
49