Introduction of the Bank:Askari Bank Limited provides corporate, retail, and commercial banking products and services primarily

in Pakistan and the Middle East. The companys corporate financing solutions include corporate and investment banking activities, such as services in the areas of mergers and acquisition, underwriting, privatization, securitization, initial public offers and related activities, and secondary private placements. Its retail banking solutions comprise loans, deposits, and other transactions with retail customers, as well as credit cards. The companys commercial banking activities consist of services related to project finance, export finance, trade finance, leasing, lending, guarantees, bills of exchange, and deposits from corporate customers. It also offers payment and settlement services comprising payments and collections, funds transfer, clearing, and settlement services; and agency services consisting of rental of lockers. In addition, the company provides sub-ordinated loans, such as term finance certificates, as well as a range of Islamic banking products and services. As of December 31, 2009, it operated a network of 226 branches, including 31 Islamic banking branches and a wholesale bank branch in Bahrain, as well as 4,173 online ATMs on shared network. The company also manages mutual funds and provides share brokerage services. Askari Bank Limited was incorporated in 1991 and is headquartered in Rawalpindi, Pakistan.

Products offered: A. Agriculture banking Agriculture banking provides incentives to farmers .bank offered :-

kissan ever green

kissan machnization

kissan tractor

Branch banking
Paishgi Munafa Account

Investment Certificates

Askari Mahana Bachat Account

Rupee Traveler Cheques

Consumer banking

Ask 4 Car

Visa Debit Card

Mortgage Finance

Personal Finance

Islamic banking

ijra bin syarrah

home muskarayee

facilities provided to the customers are above mentioned depending on the need and the type , cause of investments

Product type Account type ASKARI PAISHGE MUNAFA TERM DEPOSIT TDR

Eligibility Pakistani Resident Individuals)

Minimum amount Rs. 100,000/- or in multiples of Rs. 100,000/-.

Profit amount Rs. 11,000/on a deposit amount of Rs. 100,000/(expected rate of return 8.80% p.a)

Tenure 15 Months.

benefits Financing Facility up to 80% of Principal amount. 2. Free Visa Debit Card issuance. 3. No Minimum Balance requirement in checking account. 4. 2 Free Pay Orders in a month (Withholding Tax and other Government charges will be applicable as per Law). 5. No maximum limit for investment.

INVESTMENT CERTIFICATES Features Details Facility: Investment Certificates. Important Features: 1. Free issuance and free encashment. 2. Account relationship with Askari Bank is not mandatory. 3. No penalty on pre-mature encashment. 4. Negotiable and payable in Pakistan in Pak rupees only. 5. No purchasing limit. 6. Valid until encashed. 7. Encashable at all Askari Bank branches. 8. Profit is payable on monthly basis through pre-printed coupons. 9. In case of loss / theft or damage, there is replacement / refund to the original purchaser. 10. Encashment by third party. 11. No penalty on pre-mature redemption, except that profit coupon shall be valid only for completed month. Tenure: Three Months Expected Rate of Return: First Month 4.00% p.a. Second Month 4.50% p.a. Third Month 5.00% p.a.

ASKARI MAHANA BACHAT TERM DEPOSIT Features Product Type: Eligibility: Balance Requirement: Tenure: Term Deposit. Pakistani Resident (Individuals Only). Minimum Rs. 50,000/- & Maximum Up to Rs.10,000,000/- (In multiples of Rs. 25,000/-). 1 & 3 Years. Earn Rs. 758/- per month on investment of every Rs. 100,000/- for one year!" . Profit Amount: Earn Rs. 833/- per month on investment of every Rs. 100,000/- for three years! . Profit Payment: Expected Rate of Return: Servicing: Financing Limits: Monthly - 1st of every month. 1 Year Term: 9.10% p.a. 3 Years Term: 10.00% p.a. Available at all Askari Bank branches. Up to 90% of the principal amount. Details

Additional Benefits:

1. Issuance of Free ATM/Visa Debit Card for associated checking account which automatically makes th customer eligible for Accidental Death Insurance of Rs.500,000/-) However annual/replacement charg shall be applicable as per SOC. 2. Issuance of 2 Free Pay Orders from associated checking account in a month. (excluding FED & Withholding Tax). 3. No minimum Balance Requirement for checking account.

RUPEE TRAVELERS CHEQUES Features Details

Product Type Eligibility: Any Literate individual customer (Account is not mandatory). Denominations Rs. 10,000/-. Validity Until encashed. Issuance Desirous customer will submit the Application Form (duly filled/ signed) in any branch of Askari Bank Limited. After verification, branch will forward the form to Investment Products Unit. IPU will keep the record of the customer and system will automatically update that customers transaction. Encashment Original purchaser will approach the nearest branch. Purchaser will sign RTC on the face and branch will verify his signatures with the signature mentioned on CNIC before encashment of the same. Charges Refund processing charges are Rs. 1,000/- and Issuance/Encashment are free. Commission Rs. 30 per RTC on holding the same for 30 days or more. With Holding Tax 0.3% on Issuance & Encashment in excess of Rs. 25,000/- Documentation For Issuance/ Encashment 1. Original CNIC. For Refund 1. Attested Copy of CNIC. 2. Application from original purchaser. 3. Purchase agreement (Form RTC 1). 4. Refund Application (Form 2-A). 5. Indemnity & Guarantee (Form 2B). 6. Lost Report Schedule (Form 2-C).

7. Voucher Copy for reissuance processing fee. 8. Copy of FIR( if lost amount is Rs. 50,000/- and above). VISA DEBIT CARD Features Details Product Type: Debit Card. Distinctive Features: Classic Cash withdrawal Limit is 50,000, Shopping Limit 200,000 & Funds Transfer Limit 250,000. Gold Cash withdrawal Limit is 100,000, Shopping Limit 250,000 & Funds Transfer Limit 300,000. Eligibility: 1. Literate individual customer. 2. Having Pak Rupee checking account under the category of Current, Saving, ASDA, Value Plus Accounts (Current & Saving) Basic Banking Account and Smart Cash etc., with credit balance and 'normal' status, may apply. 3. No minimum balance requirements for issuance or retention of the VISA debit card. An eligible customer may apply for any of the debit cards i.e. Classic or Gold. 4. Joint account holders, with the authority to operate the account singly, may be issued supplementary card(s). The supplementary Card(s) may be issued to only those joint account holders who can operate the account singly with either or survivor option. 5. A customer/staff is allowed to retain as many cards as number of accounts and is allowed to link multiple accounts with single debit card. 6. Multiple accounts of same customer, maintained at different branches of Askari Bank, may also be linked with single VISA Debit Card. If the customer has an account with other branch(es), the application receiving branch must verify & confirm the following either through online system or from the concerned branch(es). Validity Five (05) Years. ( New card will only be issued on customers written request ) PERSONAL FINANCE Features Details Applicant/ Borrower: Pakistani Resident (SEB/SEP cases are not entertained currently). Age: Salaried: 21-61 years (maturity of loan at 61 yrs.). Salary/ Income: Rs. 30,000/-per month. Employment Status: 1 Year. Debt Burden: Maximum 50% of the net disposable income. Credit Limit: Upto Maximum of Rs. 500,000/- (Subject to maximum of 50% DBR & Industry benchmark is maximum Rs. 1.000 M). Tenure: 1 - 5 years. Mark up : Secured Salaried: 19% p.a. Mark up : Unsecured Salaried: 21% p.a & Contract Employees 24.2% p.a. Reference: Two (2) references with complete details (one should be relative). Processing / Others Charges: As per "Schedule of Bank Charges". Documentation 1. Application Form duly filled & Signed by the applicant in his/her own handwriting. 2. Clear copy of valid CNIC.

3. Two passport size latest photographs. 4. Last two month original salary slip or attested photocopy required. 5. Last 6 month bank statement of salary account. 6. Copy of the latest paid utility bill received at the residential address in case of salaried individual. 7. Copy of the latest bill received at the business address & residential address, in case of SEB/SEP. 8. BBFS, DDA, Undertaking CF-1, undertaking regarding other credit facilities. MAJOR CUSTOMERS OF ASKARI BANK LIMITED ARE:A.M ASSOCIATES ARMY WELFARE TRUST ORDINARY CUSTOMERS SABEEH TARIQ ACCOUNT NUMBER 00920104013645 LOCATION CHASHMA BARRAGE PRODUCT USED ATM SMART CARD/ CHEQUE BOOK