Nib (National Investment Bank) Pakistan slides pptx

2. NIB bank provides services to more than 450,000 customers
through a countrywide network of 179 branches all over
Pakistan. It is one of the fastest growing banks in Pakistan.
 Legal merger of PICIC & PCBL into NIB took place on 31st
December ’07, once all regulatory approvals were obtained.
 Total assets as of March 31, 2012 are Rs.162 bn. Present
paid-up capital of Rs. 103 bn is amongst one of the highest in
banks in Pakistan. Temasek (Investment company) Holdings
remains the largest single shareholder with approximately
88.64% shareholding.
 NIB has over 2600 employees.

3.  Our Mission:
To improve the quality of life for millions
 Our Core Purpose:
Enabling success; Realizing dreams
 Our Vision:
To be the most admired Financial Institution
in Pakistan

4.  Savings Account
 Current Account
 NIB Committee
 Cash Guard
 NIB Future
 Atm Card
 Debit Card
 Atm Transaction Services
 Phone Banking
 NIB Sahulat
 MediCash
 Direct Pay
 Loans
 Online Transactions
 E-Alerts
 Lockers
 E-Banking etc…

5. NIB Gold Premier Account
 With the NIB Gold Premier Account, enjoy the benefits of your
hard earned money. Your savings stay secured and keep growing
with an annual return of up to 8%. So fulfill your financial needs
with ease and live life to the fullest!
 Features
 Minimum Balance
 Rs.50,000/-
 Profit calculation
 On daily balance
 Maximum Balance for 8%
 Rs. 10,000,000/-
 Profit Payment
 Monthly

6.  Expected Rate of Return
 • Rate per annum*
- Up to Rs. 10 m @ 8% p.a.
- Above Rs. 10 m @ 6%** p.a.
 Eligibility
 • Male / Female: Above 55 years of age
• Female: Widow (undertaking required)
• A single customer will be allowed to open only one
account which can be either individual or joint
(without the condition of secondary applicant to be a
senior citizen)
 *Annualized Rate of Expected Return
**On the incremental amount

7.  Our wide range of term deposits is a perfect combination of liquidity and returns.
You have the freedom to choose from the desired period from one month to one
year & choose your profit frequency.
Flexibility that is Made to Order! Choose your tenure & Profit Frequency & Enjoy the
certainty of your returns.
Features & Benefits
 Deposit Period from One Month to One Year
 Choice of Monthly, Quarterly, Semi-Annual or Annual Profit Payments
 Automatic renewal of deposit
 Checking account facilities with linked current account
 ATM Card, SMS Banking and 24 Hr Phone Banking services available
 Access your funds through a network of 179 online branches in 59 cities and
128 NIB ATMs across Pakistan
 9AM – 5PM Non stop Banking

8.  NIB DirectPay is a convenient bill payment and funds transfer facility whereby
you can instruct instant payment of your bills and transfer funds from your NIB
bank account at your own convenience and luxury.
 Your payments are made quickly and conveniently, and you no longer have to
track payment due dates, wait in long queues or suffer late payment charges.
You can easily pay your bills or transfer your funds through ATMs and/or
Phone Banking 24 hours a day, 7 days a week. You can also ensure automatic
payment of your bills and transfer of funds from your NIB bank account by
setting up direct debit instructions and specifying your payment schedule.
 Features and Benefits
 Payments are made automatically by debiting the customers account.
 Convenience for the customer.
 Customers no longer have to track payment due dates.
 Customers no longer need to wait in long queues.
 Customers no longer need suffer late payment charges.(cont…)

9.  No tension for monthly bill payments and transfers.
 After each DirectPay transaction, the customer is notified via email and SMS alerts.
 The service is FREE.
 It is easy to subscribe and unsubscribe to the service.
 DirectPay services are available at NIB ATMs, Phone Banking and Branches. It is
available for both one-off and DirectDebit and for the following
companies/merchants:
 Utility Bill Payments
 KESC
 SSGC
 SNGPL
 PTCL
 IESCO
 HESCO
 Mobile Bill Payments and Prepaid Mobile Top-up
 Ufone
 Telenor

10. Fund Transfers
Within NIB
This service enables customers to transfer funds from their NIB account to any other NIB account.
Inter-Bank Funds Transfer-IBFT
 Allied Bank Limited
 Askari Commercial Bank Limited
 Bank Alfalah
 Bank Al Habib
 Bank Islami Pakistan Limited
 Bank of Punjab
 Citibank N.A.
 Burj Bank
 Dubai Islamic Bank
 Faysal Bank
 Habib Bank Limited
 JS Bank
 KASB Bank
 Standard Chartered Bank
 Silk Bank
 Soneri Bank
 Summit Bank
 Tameer Micro Finance Bank Limited
 United Bank Limited

11. One call solution: 021-111-642-111
 NIB phone banking is a one call solution for your financial
queries 24/7 such as balance inquiry, transaction details and
account status inquiry.
 NIB phone banking department has been set up to fulfill all
needs and requirements of customers at its optimum level with
full customer satisfaction.
 We are here to provide customer experience at its best so that it
could affect in terms of increasing its business with satisfied
customers nationwide.
 Fund Transfer just a call away
Want to make payments to any NIB or any other 1-link account,
just dial and make fund transfer 24/7 to any NIB bank account
up to Rs. 50,000 daily or to any other bank’s account (IBFT) up
to Rs. 250,000/ daily.

12.  Hassel free bill payments
Now you no longer need to wait in long
queues to pay your utility bills for KESC,
SSGC, SNGPL, IESCO, HESCO, PTCL. We are
proud to bring this convenience to you on
your finger tips simply call our 24/7 Phone
Banking.
 Mobile top up when you need
Want to pay mobile bill or make a mobile top
up just dial and make mobile bill payments
and prepaid Ufone and Telenor top up round
the clock anywhere in Pakistan.

13.  Your account is always in your reach
Your account detail is with you as per your desire, NIB gives its
valued customers the service for E-statements, also receive
your account debit/credit alerts through SMS Alerts. Simply dial
NIB Phone Banking and get subscribed for this service.
 ATM PIN/TPIN generation at your finger tips
Call us anytime 24/7 for ATM activation/blocking and ATM
PIN/TPIN generation and PIN change.
 Register your complain 24/7
Have any complain, regarding any issues, just dial NIB Phone
Banking, where you will be guided accordingly by our
competent phone banking officers, and your complain will be
registered right away.
 Your feedback is important for us
To improve our services and make it customized according to
your requirements, we take your valuable feedback after every
call.

14.  NIB Sahulat is our state of the art technological advance and unique product in the
market duly approved by State Bank of Pakistan. Under the product our Mobile
Cash Officer carrying POS terminal connected to our Core banking system through
GPRS connectivity visits the customer location as per the frequency defined at
specified timings and collect cash.
 Electronic receipt is being generated through the same POS terminal as acceptance
of cash, which will be credited into your collection account on real time basis.
Currently the maximum per visit cash deposit limit is capped at Rs 100,000/- as
per regulatory requirement. However subsequent visit will be made by the same
MCO to get the entire deposit for the day.
 The product provides customers the convenience of cash collection at their
doorstep (shop or office) through a POS terminal. Collection amount can range
between Rs.5,000/- to Rs.100,000/- in one single visit
 Saves time, money, secure (system generated cash deposit receipt issued), hassle
free and convenient cash deposit facility at customer premises.

15. School Fee Collection
 Transactional Banking has introduced a School fee collection mechanism through
which parents / students of any educational institutes can deposit fees directly at any
NIB Branch in Pakistan.

 The objective is to facilitate organizations with multiple collection points in gathering
Cash / Funds and making them available in the customer operating account.
 Fees can also be deposited through any Alternate Distribution channel as well like
ATM or call center.
 This is accomplished with minimal supervision by the customer, supported by an
automated system to provide timely and requisite MIS / reconciliation under agreed
service levels. We deliver cutting edge solutions through our dedicated cash
management products that help you optimize the management of your funds.
Benefits of the collection services
 Parents / Students can visit any nearest NIB branch across Pakistan at their
convenience to deposit school fee.
 Daily e-statement illustrating amount of school fee collection will be delivered to
doorstep, everyday.
 A customized MIS can be developed to suit requirements for auto reconciliation

16. Dealer / Franchisee Collection
A comprehensive distributor / dealer collection mechanism is also available to cater collection needs for
organizations / companies having dealer / distribution / Franchisee network across Pakistan through which
distributors of company can deposit funds into company’s collection account directly at any NIB Branch.
 The objective is to facilitate organizations with multiple collection points in gathering Cash / Funds and making
them available in the customer operating account.
 This is accomplished with minimal supervision by the customer, supported by an automated system to provide
timely and requisite MIS / reconciliation under agreed service levels. We deliver cutting edge solutions through
our dedicated cash management products that help you optimize the management of your funds.
 We at NIB Bank strive to serve our customer with a commitment to provide customized products & services by
offering them
 Co-branded carbonized dealer deposit slip
 Country wide dealer payment collection through branches
 Daily auto e-statements for all payments collected in company account
 Special MIS for country wide sales
 Apart from the above we also provide liquidity management for optimal returns on idle/excess funds. Our
services are coupled with strong MIS reporting for day-to-day business management and various
reconciliations.

17. Payment Products
Paysys – Payroll Processing System
 Our payroll solution is comprehensive; starting with automated account opening to delivery of ATM
cards and Cheque books at company premises. Through our bulk account opening and salary
processing module, management of payroll has become simple for companies.
 Salary file is processed electronically through file upload and irrespective of geographical location
salaries of all company employees will be credited to their salary accounts in real time; across
Pakistan. Employees can withdraw their salaries through nearest NIB ATM or any other ATM. MIS is
shared with the company for any unprocessed salaries with reasons for rectification.
Employer benefits:
 No need to write and sign individual cheques
 Salaries processed through one single request from the employer
 Allows disbursement of salaries to employee accounts instantly in any NIB Branch Pan Pakistan
 Easy, hassle free and quick account opening for employees on pre-printed forms
Employee benefits:
 A current salary account with zero minimum balance requirements
 ATM card for customer usage
 Automatic payments of utility and mobile bills

18. NIB E-banking offers ease of access, secure financial and non-financial transactions,
complaint lodging and resolution and 24/7 banking options and lots more. By utilizing
NIB e-Banking, you are sure you will enjoy hassles free banking without having
to physically travel to the branch.
My Accounts
 Add/Remove Accounts
 View Account Summary
 View Account Statement
 View Cheque/PO Status
 Stop Cheque Payment
Funds Transfer
 Manage Beneficiary
 Funds Transfer (within NIB)
 Funds Transfer (outside NIB – IBFT)
Bill Payment
 Register / Remove Bill
 Pay Utility Bills
 Buy Prepaid Voucher

19. Standing Instructions
 Bill Payments
 Funds Transfer (within NIB)
 View/Edit Instructions
My Account/Debit Card
 View Card Summary (Last 10 Transactions)
 Change Card Status (Active/Inactive)
 Change ATM PIN
 Activate Card (Fresh Card)

20. Car Loan
 NIB car loan is an installment based financing and provides you with
the facility of buying a new or a used car with a minimum 20% – 30%
down payment with other product benefits.
Auto Loan Insurance
 NIB launched Auto Loans with the intent of providing the customers
an insured vehicle with tracker. This allows you to feel immense
security while using the vehicle.
Features & Benefits
 Financing available for new, used or imported vehicles to all Existing
and New NIB Customers. “On Us” and “Off Us” customers are eligible.
 Competitive Fixed Mark up Rates starting from 15.75% per annum.
 One of the lowest insurance rates starting from 4.25 % with Free
Tracker.

21.  Complimentary Accidental Life insurance of upto Rs.
500,000/=.
 Free Internet Vehicle Monitoring access to Customer for Family
Protection.
 Hassle free documentation and easy processing.
 Co-borrower option available with immediate family members.
 Flexible tenures from 1 to 5 years.
 Financing limit from Rs. 200,000 to Rs. 1.9 million.
 Minimum Down Payment requirement starts from 20 %.
 Fastest Loan Processing in Pakistan (decision within in 3 days in
major cities)

22. We all feel that it is important to plan for tomorrow and everyone wants to set aside some
money for a rainy day. But very few of us actually follow the discipline of investing and
protecting our own and our family’s future.
NIB joined hands with EFU Life Assurance Limited to bring for its customers a long term
savings and investment plan along with a protection plan that keeps pace with their
changing needs at every stage of life. Be it a child’s future or an early retirement plan, NIB is
there to prepare for all the important milestones in a customer’s life and protects loved
ones in unexpected times of trouble.
Features and Benefits
Features
 Convenient and affordable investment and insurance plan.
 Payments can be made automatically by debiting your account or by making payments
through any other means to the branch.
 Long term saving along with life insurance plan.
 Life Future has been partitioned into four plan types namely:
◦ Long Term Investment and Savings
◦ Marriage Plan
◦ Education Plan
◦ Retirement Plan

23. Benefits
 Valuable investment and insurance benefits.
 Investment plan based on your current age,
contribution payments and circumstances.
Highlights
 Convenience for the customer.
 Assists in making future plans more fruitful.
 Maximization of capital growth of your
contributions.

24. Cash Guard safeguards your cash withdrawn through ATMs and Over-the-Counter
against the risks of forced snatching through armed hold-ups or burglaries.
Cash Guard is comprehensive cash withdrawal insurance, covering cash
withdrawn from ANY ATM across Pakistan and / or from the Cash Counter of ANY NIB
Branch up to the maximum cover as per the chosen plan. Cash Guard is applicable
only if the ATM Card Holder / Account Holder withdraws the cash himself / herself.
Features and Benefits
Features
 The two plan options available for Cash Guard are as follows
Option/
Coverage
Plan A
 Per Event
 Rs. 20,000/-
 Per Year
 Rs. 40,000/-
 Service Charges
(Per Month)
 Rs. 200/-

25. Plan B
 Rs. 50,000/-
 Rs. 100,000/-
 Rs. 230/-
The insurance cover would be applicable for a period of
one month (from the date of enrollment to the same date of the
next month), provided that the service charges are paid for that
month
Benefits
 Payments are made automatically by debiting your account.
 Convenience at your doorstep.
 Quick turnaround time for claim reimbursement.
 Coverage for all ATM transactions from any bank in Pakistan.
 Coverage for all cash transactions from any NIB branch in
Pakistan.
 Easy to subscribe and unsubscribe.

26.  The actions of a central bank, currency board or
other regulatory committee that determine the size
and rate of growth of the money supply, which in
turn affects interest rates. Monetary policy is
maintained through actions such as increasing the
interest rate, or changing the amount of money
banks need to keep in the vault (bank reserves).

27. Transaction cost are fees charged by financial
companies in the sales and purchases of
securities”
OR
“ A fee charged by a financial intermediary such as
a bank, broker or underwriter

28.  Consider the prospective purchaser of a
refrigerator. The purchase price of the refrigerator
that is eventually bought is not the only cost
involved. Transaction costs such as the time spent
researching the best brand and model, and the
cost of travelling to wherever that item is available
for purchase increase the real cost of the
purchase.

29. “Cost incurred from completing due diligence which
involves the expenses related to the investigation
of an investment or financial activity and is
necessary to determine profitability.”
OR
“Costs incurred in transaction including the analysis
and evaluation of the advantages of a financial
asset as an investment.”