A Review On Soneri Bank Limited

A Review On Soneri Bank Limited

Introduction:-

Soneri Bank Limited was incorporated in Pakistan on*28 September 1991*as a public limited company under the Companies Ordinance, 1984. Its registered office is situated at Rupali House 241-242, Upper Mall Scheme, Anand Road, Lahore, Punjab and its shares are quoted on Pakistan Stock Exchange Limited (formerly Karachi stock exchange limited). The Bank is engaged in banking services as described in the Banking Companies Ordinance, 1962 and operate with over 300 branches including 21 Islamic banking branches in Pakistan.

Features :-

Core Values
We are Customer-centric
We have High Moral Standards
We take Ownership
We are Proactive
We Collaborate

Mission
We Provide Innovative and Efficient Financial Solutions to our Customers.

Vision
To better serve customers to help them and the society grow.

A Review On Soneri Bank

The Soneri Bank Limited is a Pakistani bank based in Karachi, Sindh, Pakistan.[1][2] Its head office is located in PNSC Building, M.T. Khan Road, Karachi. It is a mid-sized bank having about over 300 branches country-wide. Soneri Bank started its operation in year 1992.
Products/Services

SERVICES/PRODUCTS:

1.Retail Banking
Soneri Bank provides the Pakistani customers a wide range of retail banking services, including current accounts, savings account, SME financing, Agricultural financing, pensioners account, consumer finance, Bancassurance, deposit lockers, electronic banking and SMS alert services.
2.Corporate And Investment Banking
Soneri Bank offers the businessmen and entrepreneurs Corporate and Investment Banking based on their business’s needs and required finances. In this regard, Soneri Bank offers investment banking services, cash management services, supply chain financing, working capital financing and long-term financing.
3.Islamic Banking
Soneri Bank also provides Islamic banking where all the banking needs of the customers are fulfilled with Shariah compliant solutions.

4.Foreign Exchange Services
With Soneri Bank’s Home Remittance services, customers from across 127 cities in Pakistan can receive remittances easily, open a foreign trade account and avail currency exchange services from any of the 266 branches of the bank.
Corporate Social Responsibility:
The ideology that Soneri Bank follows is inspired by the Sun — as it shines on each and every individual, without discrimination. With their ‘Roshan Har Qadam’ scheme, Soneri Bank has taken several initiatives to empower the people of Pakistan. This year, they are focusing their efforts on the development of health, education and community development sectors. Other initiatives include the promotion of sports, arts and women empowerment

ONLINE BANKING:

Online banking is that facility by which customers can access their account from all of its branches. They can do all transactions like cash deposit, bill payments, stop payment, account statement, funds transfer, etc. It is one of the fastest-growing mid-sized banks of Pakistan, reaching urban and as well as rural areas of the country.

Bank Islami Pakistan

INTRODUCTION:

BankIslami Pakistan Limited is a Pakistani Islamic bank based in Karachi, Pakistan. It has 340 branches in 114 cities of Pakistan.
It was the first Islamic commercial bank to receive the Islamic banking license under the Islamic banking policy of 2003 from State Bank of Pakistan on March 31, 2005. The bank started its operations from 7 April 2006 and offers shariah compliant retail banking, investment banking, consumer banking and trade finance products. The bank intends to focus on wealth management as the core area of business and plans to soon launch proprietary products, and integrated financial planning services.
The bank has a nationwide presence, its branch network consists of 213 branches and sub branches spread over 80 cities of Pakistan. With the amalgamation of KASB on May 7, 2015, all 104 branches of KASB have become part of BankIslami’s branch network. BankIslami is now the 11th largest banking network in the country with 317 branches in 93 cities nationwide.[citation needed]

Accredition by State Bank of Pakistan:

The idea of BankIslami was conceptualized by Jahangir Siddiqui & Company Limited and Randeree family in late 2003. Mr. Hasan A. Bilgrami was appointed as adviser to the sponsors on 16 March 2004 to formalize the idea. He presented the concept paper of BankIslami to sponsors on 24 March 2004. A detailed business plan was then prepared and a formal application was submitted to the State Bank of Pakistan on 26 May 2004. On 26 September 2005, Dubai Bank joined the sponsors and became one of the founding shareholders of BankIslami by investing 18.75% in the total capital.

Accredition by State Bank of Pakistan:

The State Bank of Pakistan issued a No Objection Certificate on 19 August 2004 and BankIslami Pakistan Limited, the second full-fledged Islamic commercial bank in Pakistan, was incorporated on 18 October 2004 in Pakistan.
BankIslami Pakistan Limited was the first bank to receive the Islamic banking license under the Islamic banking policy of 2003 on 31 March 2005. The bank envisioned to focus primarily on wealth management as the core area of business in addition to sharia compliant retail banking products, Proprietary and Third party products, and Integrated financial planning services.

Initial public offering of BankIslami:

BankIslami Pakistan Limited made a public offering of Rs. 400 million, at par, from 6 to 8 March 2006. This was the first primary issue by a bank in over a decade in Pakistan. The initial public offering (IPO) of BankIslami received overwhelming response from the general public as the applications received were nine times higher than offered, fetching nearly Rs. 3.5 billion, against the demand of Rs. 400 million.

Inauguration and network expansion:

The State Bank of Pakistan declared BankIslami Pakistan Limited as a Scheduled Bank with effect from 17 March 2006. BankIslami started its banking operations on 7 April 2006 with its first branch in SITE, Karachi. By the end of 2006, the bank had 10 branches, nine in Karachi and one in Quetta. The bank further concentrated in building a nationwide network and by the end of 2007, its branch network grew to 36 branches in 23 cities. In 2008, the bank opened 66 new branches nationwide which expanded its network to 102 branches in 49 cities. By the end of 2013, the bank has achieved the target of 201 branches in 77 cities nationwide. Currently BankIslami is operating 213 branches in 80 cities of Pakistan. With the amalgamation of KASB, on 7 May 2015, all 104 branches of KASB have become part of BankIslami’s branch network. BankIslami is now the 11th largest banking network in the country with 317 branches in 93 cities nationwide.

Azizi Bank

Azizi Bank is one of the largest commercial banks in Afghanistan, having more than 80 branches including extension counters and 101 ATMs in Kabul and throughout the provinces of the country. The bank opened on June 13, 2006 and is headquartered in Zanbaq Square, Kabul, Afghanistan.
The banks caters to a wide gamut of products and services ranging from variety of accounts, attractive rates for Fixed Deposits, International Debit and Credit Cards, International Money Transfer Services, Treasury and Forex Services, Mobile Wallet and Trade Finance facilities.
Azizi Bank is one of the Afghanistan's leading commercial bank with a pan Afghanistan presence across 30 provinces, headquartered at Zanbaq Square-Kabul.
The bank was established in 2006 and today it has a widespread branch network of more than 80 branches including extension counters and more than 100 ATMs. The bank also owns its 100% subsidiary bank. The Islamic Bank of Afghanistan which has more than 60 branches and more than 30 ATMs and is the first full-fledged Islamic Bank in the country.

Our Banking is steadily evolving as the Professionals Bank of Afghanistan with the long term mission of Building the Finest Quality Bank of the World in Afghanistan by 2024.
Money Exchange Services Forex business
Collection of Cheque, Instruments, Bills, Documents
Issuance of Pay order / Cash Order /Bankers, Cheque
Local and International remittance facilities vide SWIFT
Fund-based (Term/Working Capital Loans) and Non-fund based facilities e.g. Letters of Credit and Financial/Performance Guarantees for Trade and Industry
Fast and Easy transfer of funds through Western Union Money Transfer Services
Special Remittance facility to remit in Indian Rupees to any Bank A/C in India
Internet Banking
Mobile/SMS Banking
Payment Gateway Solutions
AZIPAY - Mobile Wallet
Agency Banking
Push SMS Facility: alert for each transaction

Bank AL Habib

Bank Al Habib Limited is a Pakistani commercial bank owned by the Dawood Habib family. It is based in Karachi, Pakistan. It has a network of 820 Bank Al Habib is planning to add 200 more branches by the end of 2020.Bank Al Habib has wholesale branches in Bahrain, Seychelles and Malaysia and offices in UAE, Istanbul, Beijing, and Kenya. As of August 2020, the assets of the bank grew up to Rs. 1.36 Trillion

History

The original Habib Bank began modestly in Bombay in 1941 when it commenced operations with a fixed capital of 25,000 rupees. Impressed by its initial performance, Quaid-e-Azam Muhammad Ali Jinnah asked the Habib Bank to move its operations to Karachi after the independence of Pakistan.

Services

The bank maintains correspondent relations with American Express Bank, USA; Banco di Roma, Italy; Commerzbank and Dresdner Bank, Germany; The Royal Bank of Canada, Canada; and The Hongkong and Shanghai Banking Corporation, Hong Kong.

The Soneri Bank Limited is a Pakistani bank based in Karachi, Sindh, Pakistan.Its head office is located in PNSC Building, M.T. Khan Road, Karachi. It is a mid-sized bank having about over 300 branches country-wide. Soneri Bank started its operation in year 1992.
Soneri Bank provides the Pakistani customers a wide range of retail banking services, including current accounts, savings account, SME financing, Agricultural financing, pensioners account, consumer finance, Bancassurance, deposit lockers, electronic banking and SMS alert services.

JS Bank

JS Bank Limited (JSBL) is a Pakistani commercial bank and is based in Karachi, Sindh, Pakistan. JS Bank is a prominent, majority-owned subsidiary of Jahangir Siddiqui Group, with total revenue of around 562 million as of December 2018. JS Bank Limited currently owns branches across the country as well as an International branch in Manama, Bahrain. It was established in 2007 as a result of the merger of two mega corporates (Jahangir Siddiqui Investment Bank Limited and American Express Bank Limited - Pakistan operations.

History:
The establishment of JS Bank began with the acquisition of Citicorp Investment Bank Limited by Jahangir Siddiqui & Co. Limited on the 1st of February 1999. This organization was known as Jahangir Siddiqui Investment Bank Limited (JSIBL). JSIBL had a 60% stake in Citicorp giving it ownership of the organization and its operations in Pakistan.

sunhari Bank bhi bahut achcha Bank hai ismein sport aapko bahut acchi milati hai aur sport ki vajah se log usko jyada join karte Meri Man ki sabse hamal ko suchna Di rahi hai ki ismein ATM checkbook aapko bilkul free milati hai jiska use karte hue aap aisa kahin se bhi nikal sakte ho Jahan ATM ki Solan mein choor ho aur ismein Paisa jama karvane ke liye bhi aapko jyada dikkat nahin hoti aap kisi bhi dusre bank se iske account mein Paisa deposit kar sakte ho iska account khulwane ke liye aapke pass jaruri hai ki id card ka hona aur usmein ki shayari ladka hona jaruri hai jo aapke liye account khulwane ke liye jaruri hoti hai agar aapane account khulwana hai to iske liye aapke pass aapke information ke humra post Bank mein paise aaenge Jo han aap ka account open hoga aur kuchh deposit ke badle aapka kaun khul jaega jismein ATM aur check bilkul humko free mil jayegi

yah Bank bhi bahut achcha hai sunhari Bank ka naam har Banda jaanta hai jo is Bank ke account ko use karta hai iske account ko use karne ka sabse bada fayda yah hai ki ismein aap ko kisi kishan ki fees jo salana hoti hai nahin Dena Patti kyunki fees maaf hai aapko ATM bilkul free milta hai aur checkbook bhi free milati hai ismein aapko kuchh banker cheque Jo online deposit hote hain vah bhi free mein milte Hain is Bank ki sabse badi khasiyat yahi hai ki aapke hi kisi bhi country se koi bhi Paisa deposit kar sakte ho aur nikal vah bhi sakte ho withdrawal karna bahut aasan hai ismein account open karna bahut aasan hai account ki categories bhi bahut jyada hai jismein saving account savings plus account current account complete current account aur Jin main aap saving system bhi hai jismein aap apna Paisa jama karva kar use per salana increment Le sakte ho jaani jisse percentage kahate Hain vah aap le sakte ho

Sunari Bank nam ki tarah sunhri hi hy is par koi shakk ni ya asa umda bank hy jo ap custmer k sath har waqr rabty ma rahty hain our kabi apny custmer ko akala ni chorty chaihy jasa bi waqqt ho ya ap custmer k sath kandhy sy khanda mily rakhty hain custmer ko kisis kisam ka lone chiaya ho ya bhtreen sahoolt k sath apni service data hy ap ko kisi kisam ka masla dar paas ho us k lia ya loan daty hain matlab k ghr ki khared dari ho car lani ho ya apny custmer ko in chezoo ko lany ma asani ka zaria banty hain our market k rate sy kam rate par cheez ya zAroort puri krty haon our loan ki rakam ahsta ahsta laty rakhty hain.

सोनेरी बैंक लिमिटेड कराची, सिंध, पाकिस्तान में स्थित एक पाकिस्तानी बैंक है। इसका मुख्य कार्यालय पीएनएससी बिल्डिंग में स्थित है, एम.टी. खान रोड, कराची। यह एक मध्यम आकार का बैंक है जिसकी देश भर में 300 से अधिक शाखाएँ हैं। सोनेरी बैंक ने अपना परिचालन वर्ष 1992 में शुरू किया था।


खुदरा बैंकिंग

सोनरी बैंक पाकिस्तानी ग्राहकों को मौजूदा खातों, बचत खाते, एसएमई वित्तपोषण, कृषि वित्तपोषण, पेंशनरों के खाते, उपभोक्ता वित्त, बैंकासुरेंस, जमा लॉकर, इलेक्ट्रॉनिक बैंकिंग और एसएमएस अलर्ट सेवाओं सहित खुदरा बैंकिंग सेवाओं की एक विस्तृत श्रृंखला प्रदान करता है।

कॉर्पोरेट और निवेश बैंकिंग

सोनरी बैंक व्यवसायियों और उद्यमियों को उनके व्यवसाय की जरूरतों और आवश्यक वित्त के आधार पर कॉर्पोरेट और निवेश बैंकिंग प्रदान करता है। इस संबंध में, सोनरी बैंक निवेश बैंकिंग सेवाएं, नकद प्रबंधन सेवाएं, आपूर्ति श्रृंखला वित्तपोषण, कार्यशील पूंजी वित्तपोषण और दीर्घकालिक वित्तपोषण प्रदान करता है।

इस्लामिक बैंकिंग

सोनरी बैंक इस्लामिक बैंकिंग भी प्रदान करता है जहाँ ग्राहकों की सभी बैंकिंग ज़रूरतें शरिया के अनुरूप समाधानों से पूरी होती हैं।

विदेशी मुद्रा सेवाएँ

सोनरी बैंक की होम रेमिटेंस सेवाओं के साथ, पाकिस्तान में 127 शहरों के ग्राहक आसानी से प्रेषण प्राप्त कर सकते हैं, एक विदेशी व्यापार खाता खोल सकते हैं और बैंक की 266 शाखाओं में से किसी से भी मुद्रा विनिमय सेवाओं का लाभ उठा सकते हैं।

सोनारी बैंक की समीक्षा

सोनेरी बैंक लिमिटेड कराची, सिंध, पाकिस्तान में स्थित एक पाकिस्तानी बैंक है। [१] [२] इसका मुख्य कार्यालय पीएनएससी बिल्डिंग में स्थित है, एम.टी. खान रोड, कराची। यह एक मध्यम आकार का बैंक है जिसकी देश भर में 300 से अधिक शाखाएँ हैं। सोनेरी बैंक ने अपना परिचालन वर्ष 1992 में शुरू किया था।
उत्पाद और सेवाएं

सेवाओं / उत्पादों:

1. रेल बैंकिंग
सोनारी बैंक पाकिस्तानी ग्राहकों को खुदरा बैंकिंग सेवाओं की एक विस्तृत श्रृंखला प्रदान करता है, जिसमें चालू खाता, बचत खाता, एसएमई वित्तपोषण, कृषि वित्तपोषण, पेंशनभोगी खाता, उपभोक्ता वित्त, बैंकासुरेंस, लॉकर, इलेक्ट्रॉनिक बैंकिंग और एसएमएस अलर्ट सेवाएं शामिल हैं।
2. कोरपोरेट और निवेश बैंकिंग
सोनरी बैंक व्यवसायियों और उद्यमियों को उनके व्यवसाय की जरूरतों और आवश्यक वित्त के आधार पर कॉर्पोरेट और निवेश बैंकिंग प्रदान करता है। इस संबंध में, सोनरी बैंक निवेश बैंकिंग सेवाएं, नकद प्रबंधन सेवाएं, आपूर्ति श्रृंखला वित्तपोषण, कार्यशील पूंजी वित्तपोषण और दीर्घकालिक वित्तपोषण प्रदान करता है।
3. भारतीय बैंकिंग
सोनरी बैंक इस्लामिक बैंकिंग भी प्रदान करता है जहाँ ग्राहकों की सभी बैंकिंग ज़रूरतें शरिया के अनुरूप समाधानों से पूरी होती हैं।

ऑनलाइन बैंकिंग:

ऑनलाइन बैंकिंग वह सुविधा है जिसके द्वारा ग्राहक अपनी सभी शाखाओं से अपना खाता एक्सेस कर सकते हैं। वे नकद जमा, बिल भुगतान, भुगतान रोकना, खाता विवरण, धन हस्तांतरण, आदि जैसे सभी लेनदेन कर सकते हैं। यह पाकिस्तान के सबसे तेजी से बढ़ते मध्य आकार के बैंकों में से एक है, जो शहरी और साथ ही देश के ग्रामीण क्षेत्रों में पहुंच रहा है।

INTRODUCTION:

BankIslami Pakistan Limited is a Pakistani Islamic bank based in Karachi, Pakistan. It has 340 branches in 114 cities of Pakistan.
It was the first Islamic commercial bank to receive the Islamic banking license under the Islamic banking policy of 2003 from State Bank of Pakistan on March 31, 2005. The bank started its operations from 7 April 2006 and offers shariah compliant retail banking, investment banking, consumer banking and trade finance products. The bank intends to focus on wealth management as the core area of business and plans to soon launch proprietary products, and integrated financial planning services.
The bank has a nationwide presence, its branch network consists of 213 branches and sub branches spread over 80 cities of Pakistan. With the amalgamation of KASB on May 7, 2015, all 104 branches of KASB have become part of BankIslami’s branch network. BankIslami is now the 11th largest banking network in the country with 317 branches in 93 cities nationwide.[citation needed]

Accredition by State Bank of Pakistan:

The idea of BankIslami was conceptualized by Jahangir Siddiqui & Company Limited and Randeree family in late 2003. Mr. Hasan A. Bilgrami was appointed as adviser to the sponsors on 16 March 2004 to formalize the idea. He presented the concept paper of BankIslami to sponsors on 24 March 2004. A detailed business plan was then prepared and a formal application was submitted to the State Bank of Pakistan on 26 May 2004. On 26 September 2005, Dubai Bank joined the sponsors and became one of the founding shareholders of BankIslami by investing 18.75% in the total capital.

Accredition by State Bank of Pakistan:

The State Bank of Pakistan issued a No Objection Certificate on 19 August 2004 and BankIslami Pakistan Limited, the second full-fledged Islamic commercial bank in Pakistan, was incorporated on 18 October 2004 in Pakistan.
BankIslami Pakistan Limited was the first bank to receive the Islamic banking license under the Islamic banking policy of 2003 on 31 March 2005. The bank envisioned to focus primarily on wealth management as the core area of business in addition to sharia compliant retail banking products, Proprietary and Third party products, and Integrated financial planning services.

सोनेरी बैंक लिमिटेड कराची, सिंध, पाकिस्तान में स्थित एक पाकिस्तानी बैंक है। इसका मुख्य कार्यालय पीएनएससी बिल्डिंग में स्थित है, एम.टी. खान रोड, कराची। यह एक मध्यम आकार का बैंक है जिसकी देश भर में 300 से अधिक शाखाएँ हैं। सोनेरी बैंक ने अपना परिचालन वर्ष 1992 में शुरू किया था।

खुदरा बैंकिंग

सोनरी बैंक पाकिस्तानी ग्राहकों को मौजूदा खातों, बचत खाते, एसएमई वित्तपोषण, कृषि वित्तपोषण, पेंशनरों के खाते, उपभोक्ता वित्त, बैंकासुरेंस, जमा लॉकर, इलेक्ट्रॉनिक बैंकिंग और एसएमएस अलर्ट सेवाओं सहित खुदरा बैंकिंग सेवाओं की एक विस्तृत श्रृंखला प्रदान करता है।

कॉर्पोरेट और निवेश बैंकिंग

सोनरी बैंक व्यवसायियों और उद्यमियों को उनके व्यवसाय की जरूरतों और आवश्यक वित्त के आधार पर कॉर्पोरेट और निवेश बैंकिंग प्रदान करता है। इस संबंध में, सोनरी बैंक निवेश बैंकिंग सेवाएं, नकद प्रबंधन सेवाएं, आपूर्ति श्रृंखला वित्तपोषण, कार्यशील पूंजी वित्तपोषण और दीर्घकालिक वित्तपोषण प्रदान करता है।

इस्लामिक बैंकिंग

सोनरी बैंक इस्लामिक बैंकिंग भी प्रदान करता है जहाँ ग्राहकों की सभी बैंकिंग ज़रूरतें शरिया के अनुरूप समाधानों से पूरी होती हैं।

विदेशी मुद्रा सेवाएँ

सोनेरी बैंक की होम रेमिटेंस सेवाओं के साथ, पाकिस्तान के 127 शहरों के ग्राहक आसानी से प्रेषण प्राप्त कर सकते हैं, एक विदेशी व्यापार खाता खोल सकते हैं और बैंक की 266 शाखाओं में से किसी से भी मुद्रा विनिमय सेवाओं का लाभ उठा सकते हैं।


सोनारी बैंक इस विचारधारा का पालन सूर्य से प्रेरित है - क्योंकि यह बिना भेदभाव के प्रत्येक व्यक्ति पर चमकता है। अपनी Son रोशन हर क़दम ’योजना के साथ, सोनेरी बैंक ने पाकिस्तान के लोगों को सशक्त बनाने के लिए कई पहल की हैं। इस वर्ष, वे स्वास्थ्य, शिक्षा और सामुदायिक विकास क्षेत्रों के विकास पर अपना ध्यान केंद्रित कर रहे हैं। अन्य पहलों में खेल, कला और महिला सशक्तिकरण को बढ़ावा देना शामिल है।