Consumer Banking Industry

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The report comprises our focus on consumer banking, which regards the phenomena where banking institutions intend extensive and regular transactions with the general public, rather than organizations or institutes.

Transcript of Consumer Banking Industry

Consumer Banking Industry of Pakistan

Dec 2009Group Name: Victor s Clan Group Members: Shaad Alvi (3697) Tayyeba Mazhar (3822) Ufaq Ashfaque (3451) Jawad Ahmed Qureshi (2895)

Table of ContentsConsumer Banking Industry of Pakistan .............................................................................................................................. 1 Table of Tables.................................................................................................................................................................................... 8 Table of Figures.................................................................................................................................................................................. 9 Table of Equation ........................................................................................................................................................................... 10 Abbreviations ................................................................................................................................................................................... 11 Keys for the Chart ..................................................................................................................................................................... 11 Banks ............................................................................................................................................................................................... 12 Acknowledgment ........................................................................................................................................................................... 13 Executive Summary ...................................................................................................................................................................... 14 Industry Outline and Size........................................................................................................................................................... 16 Consumer Banking ................................................................................................................................................................... 16 Consumer Banking Industry Worldwide ...................................................................................................................... 17 Consumer Banking Industry of Pakistan ...................................................................................................................... 17 Products ......................................................................................................................................................................................... 19 Industry Size ................................................................................................................................................................................ 20 Number of Companies:...................................................................................................................................................... 20 Number of branches: .......................................................................................................................................................... 21 Number of Units Produced: ............................................................................................................................................ 22 Industry Dimension and Statistics ........................................................................................................................................ 23 Number of New Branches Opened/Closed .................................................................................................................. 24 Total Employment .................................................................................................................................................................... 28 State of the Banking Industry of Pakistan ......................................................................................................................... 30 State of the Banking Industry of Pakistan in the year 1947 ............................................................................... 30 Nationalization and the Banking Industry................................................................................................................... 31 Background (1947-74) ..................................................................................................................................................... 31 2|P a ge

Nationalization & Post nationalization Achievements (1974 - 86)............................................................. 33 Denationalization and the Banking Industry.............................................................................................................. 36 Financial Sector Reforms (1987 onwards)............................................................................................................. 36 Privatization of Banks ....................................................................................................................................................... 36 New Pakistani Commercial banks ............................................................................................................................... 37 State Bank of Pakistan ....................................................................................................................................................... 38 Chronology ................................................................................................................................................................................... 39 Major Player s Profiles................................................................................................................................................................. 46 Habib Bank Limited (HBL) .............................................................................................................................................. 47 National Bank of Pakistan (NBP) ................................................................................................................................. 51 United Bank Limited (UBL) ............................................................................................................................................ 54 Collective Action Agents ........................................................................................................................................................ 57 World Trade Organization......................................................................................................................................................... 61 WTO Regulations and Its Impact on Pakistan Banking Industry ..................................................................... 61 IMPACT ON PAKISTAN BANKING INDUSTRY: ..................................................................................................... 62 International Treaties and their impact: ................................................................................................................. 63 Impact on Pakistan.............................................................................................................................................................. 64 IMPACT ON CHINA MUCH WORK REQUIRED ................................................................................................... 65 BANKING IN NORWAY: BETTER ................................................................................................................................. 66 General Agreement on Trade and Services WTO ................................................................................................. 67 Article-I ..................................................................................................................................................................................... 67 ANNEX ON FINANCIAL SERVICES............................................................................................................................... 68 SECOND ANNEX ON FINANCIAL SERVICES ........................................................................................................... 71 Economic Impact of WTO .......................................................................................................................................................... 72 Economic Impact of WTO in Pakistan ............................................................................................................................ 72 Economic impact of WTO in other countries.............................................................................................................. 73 Incentives ........................................................................................................................................................................................... 75 3|P a ge

Incentives to the Banking Industry of Pakistan ........................................................................................................ 75 Incentives Offered in Past ..................................................................................................................................................... 75 FUNCTIONAL STRATEGIES ............................................................................................................................................ 76 Incentives Being Asked by the Industry........................................................................................................................ 78 Incentives Offered in Other Countries ....................................................................................................................