rbs pakistan

THE ROYAL BANK OF SCOTLAND

• Presented To:Sir Riaz Ahmad Mian

• Presented By:Waseem Akbar M09MBA065Muhammad Farid Azhar M09MBA070Anas Sajid M09MBA075

ANAS SAJIDM09MBA075

INTRODUCTION• 2ND Largest Bank in UK• Ranked 6th In the World• Mainly Listed in the London Stock Exchange• Also listed in Euronext Ambsterdam & New

York Stock Exchange

HEADQUARTER

HEADQUARTER

• 36 St Andrew Square, Edinburgh, United Kingdom

HISTORY• Founded in Edinburgh, by royal charter, in 1727• Opened its first branch in Glasgow in 1783• In 1874 it opened a branch office in London• During the 1980s it set up an innovative car

insurance company• Acquired National Westminster Bank plc in 2000• In august 2008 it take over the ABN AMRO in

Pakistan

ORGANIZATIONAL STRUCTURE

•Chairman• Philip Hampton

EXECUTIVE DIRECTORS• Group Chief Executive• Stephen Hester

• Group Finance Director• Bruce van Saun

NON-EXECUTIVE DIRECTORS• Colin Buchan• Sir Sandy Crombie• Penny Hughes• Joe MacHale• John McFarlane• Brendan Nelson• Arthur Ryan• Philip Scott

BRANCHES

BRANCHES

• Over 2300 Domestic Branches In UK• Over 4100 Branches Worldwide• Has more than 40million customers

worldwide • Over 226,000 employees across the globe

LOCAL NETWORK

RBS IN PAKISTAN• In august 2008 it take over the ABN AMRO• Listed on all the Stock Exchanges• Total Branches– 79 Branches

• Total Employees– 3120 Employees• 1643 Permanent Employees

CORPORATE INFORMATION• Chairman• Mr. Muhammad Aurangzeb

• Chief Executive Officer• Mr. Shehzad Naqvi

• Directors• Mr. Robert Ralph Davis• Mr. James Alexander Brown• Lt. Gen (R) Muhammad Maqbool• Mr. Shamim Ahmad Khan• Mr. Shahid Hafiz Kardar

CORPORATE INFORMATION• Audit Committee• Mr. Shamim Ahmad Khan (Chairman)• Lt. Gen. (R) Muhammad Maqbool (Member)• Mr. Shahid Hafiz Kardar (Member)• Mr. James Alexander Brown (Member)

• Risk Management Committee• Mr. Shehzad Naqvi (Chairman)• Mr. James Alexander Brown (Member)• Mr. Shamim Ahmad Khan (Member)• Mr. Shahid Hafiz Kardar (Member)• Lt. Gen. (R) Muhammad Maqbool (Member)

CORPORATE INFORMATION• Chief Financial Officer• Mirza Zafar Baig

• Company Secretary• Mian Ejaz Ahmad

• Auditors• Messrs M. Yousuf Adil Saleem & Co.

• Legal Advisor• Messrs Hassan & Hassan (Advocates)

CORPORATE INFORMATION• Registrar• Messrs Hameed Majeed Associates (Pvt) Limited

• Principal Office16, Abdullah Haroon RoadKarachi, Pakistan.

• Registered / Head Office77-Y, Phase-III, Commercial Area,Defence Housing Authority,Lahore, Pakistan.

Credit Rating

• The Pakistan Credit Rating Agency (PACRA), has given RBS a long term rating of ‘AA’ and a short term rating at ‘A1+’

Pest Analysis

WASEEM AKBAR M09MBA065

OUR BUSINESS• Consumer Banking• Islamic Banking • Royal Preferred Banking • Commercial Banking • Corporate and Institutional Banking

Consumer Banking

• Deposit • Loan • Credit Cards • Insurance • Relationship Privileges• Business First

Deposit • Access Account• Anchor Accout• Classic Account• Service Account• Value Term Account

Loan• Balance Transfer Facility(BTF)• Home Finance• Loan Against Shares (LAS)

Credit Cards

• RBS Platinum Credit Card

• RBS mc2 Credit Card• RBS Ufone Credit Card• RBS airblue MasterCard

Insurance• Blessings for Life• Companion for Life• Treasure Plus• Golden Years• Family First• ATM Withdrawal• Insurance• All Rounder

Relationship Privileges• Evening Banking• Customer Interaction• ATM Network• Debit Card• Funds Transfer• E-statement• Drop box Facility• Bill Payments• SMS Banking• Lockers

Business First

• Gives you the banking solutions for your needs

– Banking solutions for your business needs– Banking solutions for your personal needs

Islamic Banking

• RBS Islamic Banking provides you the following Products

– Consumer Products– Commercial Products

Consumer Products• Deposit• Bancatakaful Kafeel• Home Finance

Deposit• Current A/C• Saving A/C• Term Deposit A/C

Bancatakaful Kafeel

• It is an islamic insurance which protects your future against any financial or life threatening eventualities that may befall upon you or your family

Home Finance

• Islamic Banking Home Finance uses the Islamic mode of Diminishing Musharakah

Commercial Products

• Plant, Machinery and Equipment Financing

• Working Capital Financing

• Trade Financing

Commercial Banking• Cash Management• Trade Services• Commercial Banking Online• Financing• Foreign Exchange

Cash Management• Accounts• Collections• Payments• Doorstep Banking

Trade Services

• Provide you services relating import and export activities like L/C issuance and L/C Confirmation

Commercial Banking Online• Online Payments• Balance and Transaction Reporting• Online International Trade Activities

Financing• Manage your general working capital and

funding requirements.– Loans – Asset-based Finance – Agriculture Finance

MUHAMMAD FARID AZHAR M09MBA070

%change 2009 2008 DESCRIPTION

Rs in Billion

-19% 64 79 DEPOSIT

%28- 49 68 ADVANCES

%14- 93 108 TOTAL ASSETS

%14- 84 98 TOTAL LIABILITIES

%31+ 17 13 SHARE CAPITAL

%160+ 1.3 50. LOSS AFTER TAX

Rs per Share Other Information

+111% 0.80 0.38 LOSS PER SHARE

SWOT Analysis

Strength• Presence in Major Global Markets• Competent Management• Innovative Product Offering• Quality check on employees’ productivity • First bank to offer alternate employment to

retrenched employees

Weakness

• Lack of proper inquiry call centre performance• Job enrichment to only managerial positions • Limited Branches• Lengthy Procedures

Opportunities

• RBS Phone Banking• Offers Foreign Currency Accounts• Use of advance technology

Threats

• Vast flood of commercial banking Sector• Religious class prefer local banks• Threat of terrorism• Multinational Competition

PEST ANALYSIS

POLITICAL

TECHNOLOGICALSOCIAL

ECONOMICAL

Political Factors

• Political Instability• High Tax Rates Policies• Trading Policies

Economical Factors

• Economic Instability• Currency Devaluation• Inflation

Socio-cultural Factors

• Consumer attitudes and opinions• Ethnic/Religious factors• Living Standards

Technological Factors• Online Banking• ATM Network• Better Communication Networks

Suggestions• Provide training to

employees• Expand Branch Network• Adopt Islamic Banking• Build a Strong

Marketing Strategy

Thanks!!!