Overview:TAMEER is a Microfinance bank managed by a group of highly experienced bankers committed to go where no (commercial) bank has gone before. It is a private commercial Microfinance bank licensed by the State Bank of Pakistan under the Microfinance Ordnance 2001.

TAMEER distinguishes itself from other Microfinance Banks by being one of the first nation-wide, private sector, non-NGO transformed, commercially sustainable micro-finance institutions in Pakistan. We aim to provide dedicated services to the economically active poor and to be demand driven, client centered and responsive to the special needs of our customers.

We serve low-income, salaried, self-employed and micro entrepreneurs men & women with a range of financial products designed to allow them to grow their businesses and produce significant economic multiplier effects throughout local economies. We also provide home improvement products and term deposits.

Our key characteristic is a professional core banking competence that will contribute to the development of micro-finance as a viable and attractive commercial activity in Pakistan.

Tameer in November 2008 entered into an agreement with Telenor Pakistan who acquired 51 per cent of the shares in Tameer Microfinance Bank.

The acquisition of 51 per cent of the shares in Tameer Microfinance Bank is part of strategy to offer financial services in Pakistan.

Vision:

To emerge as a global benchmark for innovative and commercially viable microfinance solutions to the unbanked for their socio-economic empowerment.

Mission:

To set new standards of excellence in value added microfinance and related services through innovative technology and a highly skilled/professional staff for customer convenience and satisfaction.

Equal Opportunity Meritocracy Innovation Integrity Respect

Corporate Information:

Board of Directors:

Mr. Jon Eddy Abdullah Director/ChairmanMr. Nadeem Hussain President & C.E.O/DirectorMr. Lars Christian Iuel DirectorMr. Roar Bjaerum DirectorMr. Syed Akbar Zaidi DirectorMr. Zahid Razzak DirectorMr. Karl Eric Broten Director

Company Secretary:

Ms. Aisha Ahmed

Human Resource Management & Planning Committee:

Mr. Roar Bjaerum Chairperson of the CommitteeMr. Nadeem Hussain Member

Branchless Banking Committee:

Mr. Nadeem Hussain Chairperson of the Committee Mr. Roar Bjaerum Member

Audit Committee:

Mr. Karl Eric Broten Chairperson of the Audit Committee Mr. Akbar Zaidi Member

Auditors:

KPMG Taseer Hadi & Co. Chartered Accountants

Legal Advisors:

Mandviwalla & Zafar

Registered Office:

Tameer Microfinance Bank Limited15-A Block 7-8, Central Commercial Area, K.C.H.S. Union, Karachi - 75350, Pakistan

Tel: 0092-21-111-111-004 Website: http://www.tameerbank.comEmail: info@tameerbank.com

Products:

Micro Credit - Tameer Karobari Qarza:

This loan provides working capital for Microfinance entrepreneurs for growing their business unit and provides critical cash flows necessary for keeping Micro sector businesses above the poverty line.

Product and Service Promise:

Urdu: “Foree Karza - Asaan Iqsaat”

English Translation: “Quick Loan - Easy Payback Terms”

Product Advantage:

Business should be 1 year in operation Loans from Rs. 10,000 upto Rs. 150,000 Lead time (availability of finance) 7 – 10 days Easy access to a loan with good rates The chance to improve and increase business sustainability and growth

Co-borrowers accepted Imbedded Life Insurance

Emergency Micro Credit – Tameer Emergency Qarza:

This loan provides immediate relief, to Microfinance customers in times of economic stress, where immediate cash access is required or where the customer is trapped by money lenders.

Product and Service Promise:

Urdu: “Sirf 2 Ghantoon Mai Paisa Aap Ke Haath May”

English Translation: “Cash in Your Hands in 2 Hours”

Tameer Advantage:

Service to needy customers is provided with the fastest loan in Pakistan within a turnaround time of only 2 hours from customer's first request to the actual fund handover at standard banking rates.

The current options available in the market, for Un-banked Micro sector individuals, is to borrow from Money Lenders charging from between 96 to 226 percent per annum.

Yearly Bullet and Equal Monthly Installment (EMI) Re-payment Options Loan can be obtained for a term as short as 1 day upto 1 year Loan roll-over after one year Imbedded Insurance

Micro Mortgage – Tameer Makaan:

Tameer Makan is a new product launched in May 2008 to cater for the diverse needs of Micro sector customers ranging from seasonal crop financing, purchasing shop inventory to buying of machinery and tools for business use.

Product and Service Promise:

Urdu: “Makaan Hamara Banay Sahara”

English Translation: “Our Property (House) Is Our Support”

Product Advantage:

Loans from Rs. 50,000 upto Rs. 500,000

Lead time (availability of finance) 15 – 21 days Loan Tenure upto 3 years Imbedded Life Insurance

Micro Group Credit – Tameer Group Qarza:

Tameer provides Group loans to men and women in urban as well as rural areas with easy loan qualifying terms, backed by state-of-the-art technology.

This is to make sure that the product and service provided in this classical microfinance lending method is an advanced and next generation experience for Tameer customers so that the social collateral (group-lending) and relationship quality is made more reliable and more productive for the customer as well as more risk efficient for the bank with the inclusion of technology.

Product and Service Promise:

Urdu: “Shirkat Mai Barkat”

English Translation: “Bounty in Sharing”

Tameer Advantage:

ATM Card and banking on Tameer’s nationwide technology network for full banking services

Groups between 5 to 10 people accepted Cross-guarantee of group members only with no outside guarantors required Imbedded Life Insurance

Micro Saving - Tameer Easy Munafa:

Tameer Easy Munafa a small deposit product is designed especially for the Small and Medium Enterprise, Micro Entrepreneur and the females, which gives a high rate of profit for a small deposit amount.

Tameer Advantages:

13.34% per annum profit on saving Rs. 5,000 and 10,000. Profit of Rs. 1,200* on depositing Rs. 10,000 Profit of Rs. 12,000* on depositing Rs. 100,000 12 months tenure ATM Card facility Access to more than 4000 ATMs countrywide No fee/charges at the time of deposit

* after tax deductions

.

Micro Saving - Tameer-e-Zindage (TZ) Program:

Tameer encourages Micro sector savings by offering different micro saving schemes.The TZ Program is a Targeted Saving program starting from as little as saving Rs. 500 a month for 12 months to as much as saving Rs. 5000 for 60 months.

TZ is a much more holistic option of savings compared to the largest un-structured savings method used in Pakistan, the Mohalla-Committee (ROSCA)

Tameer-e-Zindage Advantage:

Saving account with minimum saving target of Rs. 12,000 and a maximum of PKR 300,000

Starting from as little as PKR 500 per month in deposit for 12 months No restriction of monthly installments Installment Skip Convenience Eligible to avail other bank facilities Imbedded Free Life Insurance (For more than 12 months saving plan) 8.5% profit on deposits

Tameer-e-Zindage Monthly Installment and Profit Grid:

(Actual Amount with 8.5% Profit)  

Monthly Installment 24 Months 36 Months 48 Months 60 Months500 13,031 20,423 28,467 37,2231000 26,062 40,844 56,933 74,4441500 39,092 61,265 85,399 111,6652000 52,122 81,687 113,864 148,8862500 65,152 102,108 142,330 186,1083000 78,182 122,529 170,769 223,3293500 91,213 142,951 199,262 260,5504000 104,243 163,372 227,727 297,7714500 117,273 183,793 265,193 334,9925000 130,303 204,215 284,659 372,214

     

Micro Leasing – Tameer Apni Bike

Product and Service Promise:

Urdu: “Mahana Qist Aab Sab Say Kam”

English Translation: “Monthly Installment Now the Lowest”

Product Advantage:

Lowest Monthly Installment in the Market Fast Lead time (availability of motorbike) 3 days Zero Advance from Customer Imbedded Motorbike Insurance

Micro Insurance:

Incase of an accident or the death of a family’s main bread earner, the family is observed going into depravity and grave economic crises. Most of the time unfortunately the relief impact and importance of insurance is never realized until a catastrophe occurs.

Tameer has a firm conviction that every individual in the Micro finance sector must come under insurance cover and that conviction is endorsed by Tameer providing imbedded accidental, full

life or product insurance coverage to all our customers in loan, deposit and leasing products country wide.Most of the times the insurance provided to the customer is either free or at a negligible token cost.Insurance is and will continue to remain a high priority customer benefit towards achieving a holistic triple bottom line for the company as a whole.

Services:

Friendly, Efficient and Attentive Personal Banking

Tameer provide complete range of banking services like savings, funds transfers, checkbooks ATM debit cards etc.

Easypaisa:

Traditionally Banking has always relied on fixed infrastructure venues (branches) which have high operating costs. This limits banking service reach and seriously prohibits grass roots community inclusion on a fast track.

Today in 2009 with powerful technology options available such as GPRS Point of Sales Devices, Cell Phone Banking, Telecommunication Suites for Financial Transactions, Customer Relationship Management Software, Contact Center Back Offices, ATM Networks and Multi function swipe-card systems, the universe for offering banking services has extended far and beyond the traditional realm of generalized Banking norms.Tameer Bank Easypaisa encompasses all the above essentials and brings a modern and relevant banking channel in the hands of common man.

Tameer is the 1st bank to be given permission by the State Bank of Pakistan to start branchless banking operations in Pakistan and to offer services through partners and agents.It is one of the core objectives, mission and vision of Tameer to spread an efficient total banking service extensively throughout Pakistan, so that transactions and money management for an individual and his or her needs anywhere in Pakistan is just one call or an SMS away.

SThe concept of having cost heavy, fixed location branches as the primary model of banking service providing is being developed, with a versatile and personalized way of every-day community level banking through technology powered systems and “corner shop” Micro Franchises.

Easypaisa - Money Transfer

Using Money Transfer from easypaisa, you can now send and receive money to and from family, friends, etc from any easypaisa shop in the most efficient, secure and convenient way. You do not have to own a Telenor connection, nor do you need to have a mobile phone at all. The best thing about the service is that any person in Pakistan can use this product and that no registration is required!

Any person with a need to send money from one city to another can use this service from any easypaisa shop. For example, household staff, drivers, guards, etc. can all now send their monthly salaries home to their families from urban cities to rural villages. Similarly, parents can send funds to their children at educational institutions in other cities for tuition fee, monthly pocket money etc. And people who travel frequently, who don't want to carry cash can use this service as Travelers Cheques by sending money to themselves from one city and collecting the money in another city.

Product Features:

Any person with a valid Nadra CNIC can send money or receive money This service is not limited to Telenor subscribers other mobile subscribers can also use

this There is no paper work or form filling required An instant SMS message will be sent to both the Sender and the Receiver on sending/receiving money Sending/Receiving can be done from more than 4,000 easypaisa shops all over Pakistan No more waiting in queues - a Money Transfer transaction can be done at even late

hours. A secure encrypted transaction based on GSM standards Approved by the State Bank of Pakistan.

Easypaisa bill payment service brings you a hassle free yet secure solution to pay your Electricity, Gas and Telephone (PTCL) bills. Now you can easily pay your utility bills from your nearest easypaisa shop, Telenor franchise, Telenor Sales & Service Center or Tameer Microfinance Bank branch.