DUBAI ISLAMIC BANK PAKISTAN

RESEARCH PROJECT

KAINAT NAFEES M18MBA047

KOMAL TANVEER M18MBA021
KAINAT NAFEES
M18MBA047
 CONTENTS
 HISTORY
 MISSION, VISSION & VALUES
 AWARDS
 ISLAMIC BANKING & TAKAFUL PLAN
 PRODUCTS & SERVICES
 SWOT ANALYSIS
 PEST ANALYSIS
 FINANCIAL ANALYSIS
 HISTORY
 DIB Global exist in UAE, Jordan, Turkey, Sudan and Bosnia .l exist in UAE, Jordan, Turkey, Sudan and Bosnia .
 ned by Dubai Islamic Bank PJSC (Public Joint Stock Company) and its nominated shareholders. The parent
company is a listed company in Dubai. Limited (DIBPL), commenced operations in 2006.
 DIB currently has 72 branches in 28 cities of Pak
 Dubai Islamic Bank has the unique distinction of being the world’s first Islamic bank, a pioneering institution that
has combined the best of traditional Islamic values with the technology and innovation that characterize the best
of modern banking.
 The bank has been a profitable entity since its inception.
 DIB is the first and only AA rated Shariah Quality Bank in Pakistan (rated by Islamic International Rating Agency)
 In Dubai, established in 1975
 In Pakistan, established its in 2005
 Commenced operations in March,2016
 Best Modern Islamic Banking
 Vision Statement
 To be Leading Islamic bank
 Providing Shari’a compliant financial
services
 By creating Values for Stakeholders
 Mission Statement
 Toprovide diversified Shari’a compliant
services & products
 To maintain & improve our position
 To be world’s leading Islamic Bank
 Values
 Islamic
 Trust
 Communication
 Innovation
 Caring
 Dynamic
 One team, One goal
 Management of Bank
Mr. Mohammad Saeed Ahmed Abdulla al Sharif Chairman
Mr. Mohammad Saleem Vice Chairman
Mr. Junaid Ahmed Sheikh Sherfudin CEO
Mr. Obaid Kahlifa Mohmmad Rashed Al Shamsi Director
Mr. Abbas Saifuddin Bujwala Director
Mr. Salman Liaqat Director
Mr. Mohmmad Maqbool Alam Director
Mr. Naved A. Khan Director
Mr. Aman Aziz Siddiqui Director
 Current Status
 243 locations (200 branches and 43 branchless banking
booths) in 62 cities across Pakistan
 short-term credit rating of ‘A-1’ and long-term credit rating
of ‘A+’
 Pakistan exchequer has benefitted from over US $130
million of FDI from DIBPL alone.
 AWARDS
 Best sakuk arranger in 2016
 Best Islamic bank of the year in 2015
 E-banking excellence award in 2014
Competitor
 Competitors
 Bank Islami
 Bank Alfalah Islamic
 Burj Bank
 Meezan Bank
 Standard Charted Bank
 UBL Islamic Bank
ISLAMIC BANKING
 Why Islamic Banking
 Islam forbid simply lending out money at interest (RIBA)
 Islamic rules on transactions (FIAH-AL-MUAMALAT)
 Technique to avoid the prohibition is the sharing of profit
and loss
 Profit sharing (MUDHARABAH)
 Safe keeping ( WADIAH)
 Joint venture ( MUSHARAKAH)
 Cost plus ( MURABAHAH)
 Leasing ( IJARA)
 SHARI’A BOARD
 Dr. Hussein Hamed Hassan Chairman of Sharia Board
 Mufti Muhammad Hassan Kaleem Resident Member
 Mian Muhammad Nazir Member
 Duties of Shari’a Board
 Oversee the development of all Banking and Finance
product.
 Analyze contract and agreements concerning bank’s
transaction
 Supervise shari’a training program for bank’s staff.
 Prepare annual report on the bank’s balance sheet with
respect to shari’a compliance.
 Takaful Plan
 Designed to help your savings grow over time
 Secure your future and your love ones
 Provide facility to fulfil your dreams in Islamic way
 Al Islami Takaful plan offer you all the flexibility you need
Make Your Own Takaful Plan
 Contributions can be paid monthly, quarterly, half year or year. You can
start with minimum monthly contribution of Rs.5000 only.
 Whenever you have excess funds available you can make a lump sum
payment and increase the cash value.
 You are also allowed partial withdrawal at any time before the time of
maturity.
 In case you want to temporarily suspend regularly contribution there is
an option of a Contribution Holiday (an interval) for up to 12 months.
KOMAL TANVEER
M18MBA021
Products and Services
 Products
 Current Account
 Saving Account
 E-saving Account
 Saving plus
 Special saving
 Fixed Deposit Account
 Junior Account
 Free Internet Banking
 Visa Debit Card
 Current Account
 Dubai Islamic Current Account is a non-remunerative
checking account designed for account holders who need
to transact frequently
 Offered in five type currencies
(Pak rupee, UAE dirham, US dollar, UK pound, Euro)
 You can open a Dubai Islamic Current Account with as low
as PKR 1000.
 Saving Account
 Dubai Islamic Savings Account is a great investment option
for depositors who wish to earn Halal returns on their savings.
 It allows you the flexibility to withdrawn your funds when ever
required.
 Offers in four type of currencies:
(Pak rupees, US dollar, Euro, GBP)
 You can open a Dubai Islamic Savings Account with a
balance as low as PKR 1000.
 E-Saving Account
 For the first time in Pakistan, DIBPL gives you the power to
control your financial future from anywhere and anytime.
 Just log onto our website, and get connected to your E-Savings
account 24/7 after fulfilling the necessary requirements.
 Deposits  over the counter or via Cash Deposit Machines
(CDMs)
 Cash withdrawals through ATM/VISA Debit Card only
 Free Internet & Mobile Banking
 SMS Banking
 Free 24/7  Phone Banking
 Saving Plus
 DIBPL gives you the means to “Save and Spend –
The Islamic Way”
 & enjoy complete peace of mind that comes from
knowing that the profit earned is 100% “Hala​l”.
 The Saving Plus Account is being offered in Pak
Rupees Only
 Special Saving
 Allows customer to earn higher return on higher
balances
 Profit will be calculated on daily product basis (Profit
Rate will be based on the tier / slab the daily ending
balance falls in).
 Service Charges will be levied as per the Schedule of
Charges issued half yearly. 
 Fixed Deposit Account
 Dubai Islamic Fixed Deposit Account is an excellent investment
vehicle for depositors with excess funds.
 DIBPL invests these funds in its Common Mudaraba Pool with
other deposits and the shareholders’ equity.
 Fixed Deposit placements can be made in:

• Pak Rupees
• US Dollars
 Junior Account
 The first Bank in Pakistan to enable you as a young
person to conduct Riba-Free Banking!
 A Junior Account can be opened with as little as Rs. 5.
 With the consent of your guardian, you can now have a
stylish Islamic Visa Debit Card!
 The more you save in your Junior Savings Account, the
more profit you will earn!
 Visa Debit Card
No need to carry excess cash or buy foreign currency when
traveling abroad. Your Dubai Islamic Visa Debit Card allows you
to make purchases r withdraw cash at millions of VISA merchants
and ATMs not only in Pakistan but also all over the world.
 Services
 Cash management services
 Trade Related services
 Investment banking Services
 Services for Small and Medium sized enterprises
 Free Phone Banking Services
 Lockers
 Remittances
Cash Management service
 Offers comprehensive end-to-end Sharia
compliant solutions to meet your cash flow
requirements for companies operating across
Pakistan.

 Allowing companies to benefit from streamlined

processes and better manage their Cash flows
 Trade Related Services
 Offers a range of solutions to help you in your
trade transactions.

 Our trade professionals look forward to

sharing with you their trade related knowledge
 Investment Banking Services
 Driven by Sharia principles, we provide a mix of following
services:
   Project Finance.
   Mergers & Acquisitions Advisory.
     Privatization Advisory.
    Real Estate Advisory.
 Utility Bills Services
DIBPL brings you a secure, hassle free way to pay
your electricity, gas, telephone, and internet bills.
Simply log on to our Internet Banking at
www.dibpak.com, and pay your bill online with
complete ease or you can also choose to use our
ATMs or call our 24x7 Call Center
 SMS Banking
 Dubai Islamic Bank Pakistan Limited brings banking
services at your fingertips!
     You can select your desired services from a variety
of options available.
     You can block your account, in case of stolen or lost cell
phone.
     24/7 customer service helpline.
     Automated help messages on your cell phone
Foreign Exchange Services
The Bank has made the services available at all branches
and has established dedicated helpdesks across Pakistan
for the convenience of customers.
 Mr. Aqeel Ahmad, Saddar Cantt Branch, Lahore
 Mr. Shakeel Yousaf, Haider Road Branch, Rawalpindi
 Mr.  Usman Bin Habib, Clifton Branch, Karachi
 Mr. Mohsin Rafique, Liaquat Road Faisalabad
Consumer
Consumer Financing
Financing
 Consumer Financing
 Home Finance

 Auto Finance

 Business Finance
 Home Finance
Currently Dubai Islamic Home Finance is offering three
product variants:

• Home Purchase.
• Purchase of undivided share (Home Renovation).
• Purchase of undivided share of property from other
bank (Balance Transfer)
 Auto Finance
Dubai Islamic Auto Finance offers a world class 
auto finance facility that enables you to get a car
quickly, conveniently and in a fully Sharia compliant
manner. Using Musharaka cum Ijara model to finance
your car, steer yourself towards peace of mind and
fulfillment of your desire.
 Business Finance
 This product is available for new as well as those who
already have a business finance facility from another
bank and wish to bank the Islamic Way!
 Dubai Islamic   Business Finance offers two product
variants:
• Purchase of undivided share (New to Bank / Fresh)
• Purchase of undivided share of property from other
banks (Balance Transfer)
SME Banking
 SME Banking

 Business Long Term Finance

 Business Short Term Finance

Aqsa Sarwar
M16MBA016
SWOT
SWOTAnalysis
Analysis
 Threats
Threats
People
People
preferprefer
conventional
conventional
banking
banking
Competitors
Competitors
advertise
advertise
their their
products
products
Volatile
Volatile
currencies
currencies
Analysis
SWOT

Internation
Internation al Expa nsion
Offer New Products
Offer
Opportunities
Opportunities
New Techn olog y
New Techn

New Products
al Expa
olognsion
y
PEST
PESTAnalysis
Analysis
Political Economical Social Technological

●
Halal wealth
●
Political ●
Economic ●
Debit card
conscious
instability growth ●
SMS banking
customer
●
Global ●
Number of ●
Internet
●
Bankers look
economic customer banking
down socially
Financial Analysis
Financial Analysis of Five Years

FINANCIAL ANALYSIS
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Total Assets Total Liabilities Share Capital

 Deposits And Advances
Deposits and Advances
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2010

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Deposits Advances
Alliances
 The promotion be given to the staff in due time and on the
basis of performance to provide job satisfaction.
 There is need of creating satisfaction among employees.
 The bank should locate new markets for its operational
activities in the country as well as in abroad.
 To avoid complaints the number of the staff should be
enhanced.
Dubai Islamic Bank Pakistan Limited is an Islamic bank in
Pakistan. The mission of DIBP is to introduce Islamic banking in
Pakistan and globally. It is working under the leadership of
Dubai Islamic Bank UAE.
It is an effectively operating organization and carrying out its
activities under a specified system of procedure. This procedure
has been modernized with the passage of time. It has provided
easy and economical products and services to its customers.
Queries Are Welcome