F.M.I final ppt
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Transcript of F.M.I final ppt
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Consumer Loan And banking Industry
of Pakistan
Presented By:
Ameet Kumar Kalim Masood
Jameel Jamali
Raza Ayoub
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Consumer loan
Money loaned to individuals (usually onnon-secured basis) for personal, family, orhousehold purposes; as opposed to
business or commercial lending.
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Why consumer needs loan?
People experience financial crisis
Need of home or car
To fund a holiday
need financial assistance for marriagerelated or to finance education
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Types of consumer loans
Secured loan:
A secured loan is a loan in which theborrower pledges some asset (e.g. a car or
property) as collateral for the loan
repayment term with lower monthly
payments
lower interest rates charged, easier to get asecured loan.
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Cont..
Unsecured Loans:
Unsecured loans are the exact opposite ofsecured loans. In this case, collateral does
not back the money that you borrowed, sothe interest rate is higher
It is a great alternative for people whodon't own any property or any othercollateral
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Industry Analysis (S.W.O.T analysis)
Strengths:
Large Market Size
Growing demand for consumer durables,
autos, services
Financial Sector is open to foreign investors
Weaknesses: Poor governance record
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Cont..
Opportunities:
Oil and Gas resources:To be furtherexplored, developed and distributed
Investment in Physical InfrastructureDevelopment
Threats:
Rise in inflation and poverty
Rise to educated unemployment
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Key players in consumer banking
industry
The consumers of the banks
The investors in the banking industry, both
local and foreign
SECP (security and exchange commissionof Pakistan)
The government of the Pakistan
State bank of pakistan
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Peer Group Analysis
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Factors Or Triggers
Demand for Capital
Supply of Capital
Continuous Advertisement
Image factor (product development)
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FUTURE OUTLOOK
Fastest growing sector in bankingindustry
Major share in the hands of foreignbanks
Massive potential for growth
Need for continuous productdevelopment
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CONTD
A large market remains untapped
Brand development
Aggressive marketing
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