Faysal Bank shares its mission statement with the DMI Trust.

Our mission being The introduction of a just and equitable financial system by being a world class multi-purpose financial institution, providing a range of specialized services, working on Shariah principles.

Faysal Bank started operations in Pakistan in 1987, first as a branch set-up of Faysal Islamic Bank of Bahrain and since 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) for short term

The majority share holding of Faysal Bank Limited is owned by companies of the Dar Al Maal Al Islami Trust (DMI) including Shamil Bank of Bahrain E.C. The remaining shareholders comprise of the general public, NIT and other Pakistani institutions. The Banks shares are quoted on the Karachi and Lahore Stock Exchanges

BRANCH NETWORK

City Karachi Lahore Islamabad Rawalpindi Peshawar Faisalabad Multan Mirpur Sialkot Vehari Bahawalpur Gujrat Gujranwala Gujar khan Hyderabad Okara Rahim Yar Khan Sargodha Kharian Jhang Quetta

Number of Branches 22 18 4 3 3 4 2 1 1 1 1 1 1 1 1 1 1 1 1 1 1

Number of employees per branches 13 12 12 12 11 12 12 9 10 7 7 8 9 8 8 9 10 9 8 7 11

Branch inter Link DSL / Radio links DSL / Radio links DSL / Radio links DSL / Radio links DSL / Radio links DSL / Radio links DSL Radio links Radio links Radio links DSL DSL DSL DSL DSL Radio links Radio links Radio links Radio links Radio links DSL

PRODUCTS
DEPOSIT ACCOUNTS

ADVANCES

CONSUMER FINANCE

(Personal Loans)

STAKEHOLDERS

Stake holders Parent Bank (DMI Group)

Communication channel (IT related) Islamic Banking System (IBS) Lotus notes Financial statements Banks WebsitePrint Media Electronic media Schedule of charges (print as well as electronic) Lotus notes Banks Payroll (internal IT modules) Banks Website Print Media Electronic media Schedule of charges (print as well as electronic) Annual / quarterly returns (both on line and offline) Daily and monthly submission of data as required by various legislations for Prudential Regulation

Frequency of communication Monthly basis

Local Shareholders Deposit Holders

Quarterly basis Daily basis

Employees Customers (Loanees/ lessees)

Daily basis Daily basis

Government State Bank

Monthly basis Daily / Monthly basis

Other Financial Institutions Business Enterprises

Lotus notes IBS, Lotus notes

Daily basis Daily basis (depends upon customer persistency )

E-COMMERCE

TYPS OF E-COMMERCE 1.Online banking 2. ATM Machines 3.Bank accounts 4.E-Bill payment 5.Information facilities

PERCENTAGE OF USAGE 5% 75% 100% 5% 80%

DECISION SUPPORT SYSTEM

Types of software se in business support system SCM CRM HRM LIMS SYMBOLS DMTS

PURPOSE
Sales monitory Client data base Commission Profit & loss of various decisions MIS Reports

KEY TELECOMMUNICATION NETWORKS

Networks Media / Channels Processor DSL, Radio links, Star Network DSL, Radio links Server Dell

USES OF INETERNET
Surf E-mail Online banking Other Uses Click to your desire link and surf your material, its have their websites on internet Customers, client and other user of faysal bank even contact tem through e-mail services through extranet and intranet service Stakeholders can also do their banking transaction through online banking with debit and credit cards. You can obtain any sort of information and any other things related to faysal bank.

HARDWRES USED IN THE ORGANIZATION

IBM DELL &Compaq server Machines Fax machines Personal PC in Each cabin Printers Scanners Teller Other desktops

BENEFITS BY THIS HARDWARE These hardwares benefit the organization in the following ways: Making MIS Reports. Making Ledger & Financial Statements. Keeping advance and deposits updates. Support in decision making. Issuing the financial reports and balance sheets of the bank. Help in keeping the accurate records for monitory transactions.

SUGGESTIONS FOR THE BETTERMENT The hardware should be inline with the latest technology as available with ht market and operating being used by competitive banks. Renewal of the system on fund basis They must develop a proper research and development department.

SOFTWARE USED IN THE ORGANIZATION

APPLICATION SOFTWARE: LIMS Lease information Management System IBS Islamic Banking software Deposit Management Lotus Notes Transaction system Electronic mail Presentation Graphics Web Browsers Spread Sheets SYSTEM SOFTWARE: Windows XL All programs of Microsoft Language Translators BENEFITS BY THESE SOTFWARES: Assist in generating key Management information reports Decision making is quick and accurate Reliance of customer over the bank increases as customer gets documents such as bank statements, loans repayments schedules and other computer generated correspondences in good presentable form.

AUTOMATION
Symbols-New Core Banking Software is in implementation process. Once this is implemented, Faysal Bank automated procedures would increase many folds. One of the difficulties is facing by banking sector is the internet upgrading because it cost a lot of money Banking sector train the employees to enable them to work properly on the online transaction programmed. The bank size also effect the internet upgrading. 55% of the automation in the organization is done by the e-commerce. Organization is also trying to increase this % to 95%. Banks must have the security system in there online banking.