Fahad KhalidMubasher HassanMoomal AliMCB Bank

Table of ContentHistoryIntroductionBrand Elements7 Ps of marketing mixProductPricePlacePromotion

Table of Content (Cont.)Physical EvidencePeopleProcessCompetitorsConclusion

HistoryMCB Bank Limited was incorporated by the Adamjee Group on July 9, 1947After the partition of the Indo-Pak subcontinent, the bank moved to Dhaka (then the capital of former East Pakistan) from where it commenced business in August 1948. In 1956, the bank transferred its registered office to Karachi, Where the head office is presently located.the bank inherits a 64 years legacy of trust of its customers and the citizens of Pakistan

History (Cont.)In the regime of Zulfiqar Ali Bhutto, government decided to nationalize the bank so that nation as a whole can benefit from a better use of resources.Consequently, the Muslim Commercial Bank was nationalized under the Banks (Nationalization) Act, 1974 promulgated on January 1, 1974

History (Cont.)This was the first bank to be privatized in 1991 and the bank was purchased by a consortium of Pakistani corporate groups led by Nishat Group.PMLN government led by Nawaz Sharif passed an ordinance in 1991 to privatize all the commercial banks.In the wake of new amendments, 26% shares of MCB were sold .Mian Mohammad Mansha is the Chairman of the MCB and has played instrumental role in its success.

Introduction.MCB Bank Limited is among the top 5 Banks in Pakistan.It has net asset base of PKR 1 trillion (USD 9.9 million).The Bank was setup in 1947.Later it was privatized in 1991.The Bank is listed on Pakistan Stock Exchange (PSX)It is also listed on the London Stock Exchange for its issue of GDRs in 2006.

MCB Tower Karachi

Introduction (Cont.)MCB Bank Limited is among the top 5 Banks in Pakistan.It has net asset base of PKR 1 trillion (USD 9.9 million).The Bank was setup in 1947.Later it was privatized in 1991.The Bank is listed on Pakistan Stock Exchange (PSX)It is also listed on the London Stock Exchange for its issue of GDRs in 2006.

Introduction (Cont.)MCB Bank Limited has the highest dividend payout ratio.It has highest Return on Assets at 2.74% and has maintained one of the highest spreads for many years in the Industry.The Bank also has one of the highest Return on Equity (24.55%), one of the lowest cost to income ratio (34.21%) and infection ratio (6.40%) and one of the highest market capitalization in the equity markets.

Introduction (Cont.)MCB Bank recently won Best Bank in Pakistan 2015 award from Finance Asia under Country Awards Achievement category.It is also the winner of Most Stable Bank of the Year 2014 by CFA 12th Excellence Awards.In 2013 MCB Bank secured the prestigious awards for Best Domestic Bank in Pakistan and Best Islamic Deal by The Asset Triple A

Introduction (Cont.)In 2010, The Asian Banker awarded The Asian Banker Leadership Achievement Award and Strongest Bank in PakistanIn 2008, it was also declared Best Bank in Asia by Euro money.MCB Bank has been adjudged The Best Bank in Pakistan four times and The Best Domestic Bank once, besides being declared The Best Domestic Bank in Pakistan by Asia Money.

Introduction (Cont.)The Bank is compliant with Basel2Risk Management Framework and Anti Money Laundering Policies.MCB Bank is actively involved in various CSR activities as well and constantly strives to contribute towards the countrys betterment.It has played a key role in enhancing the role and value of service and technology in the banking industry through its customer centric objectives.

Brand ElementsBrand name:A name given by the maker to a product or range of products, especially a trademark. MCB

Cont..Logo:A symbol or other small design adopted by an organization to identify its products, uniform, vehicles, etc.

Cont..URL: (https://www.mcb.com.pk) Itis an acronym forUniform Resource Locatorand is a reference (an address) to a resource on the Internet.

Cont..Slogan: A short and striking or memorable phrase used in advertising.

M00mal ALI

Products & Services:MCB Current Deposit Product MenuMCB Savings Deposit Product MenuMCB Term Deposit Product MenuMCB Lending ProductsMCB Digital Banking Products and Services

Products & Services (Cont.):MCB Current Deposit Product Menu

MCB Business AccountMCB Current Life AccountMCB Fun Club-Banking for KidsBasic Banking AccountForeign Currency Account

Products & Services (Cont.):MCB Savings Deposit Product Menu:

PLS Savings AccountSmart Savings AccountMCB 365 Savings Gold AccountMCB Savings Xtra AccountMCB Salary Club Gold AccountMCB Fun Club Banking for KidsForeign Currency Savings Account

Products & Services (Cont.):MCB Term Deposit Product Menu: Flexi Deposit Account Mahana Profit Account

Products & Services (Cont.):MCB Lending Products

MCB Car4UMCB Home LoanMCB Cash4CashMCB Credit CardMCB Prepaid CardMCB Student Personal LoanMCB Personal LoanMCB Wealth ManagementMCB Banc assuranceMCB Investment Services

Products & Services (Cont.):MCB Lending Products (Cont.)

MCB Rupee Traveler's ChequeMCB LockersMCB Burqraftaar Home RemittanceMCB Motherland AccountMCB Transaction BankingOnline Fund Transfer (OFT)Tejarat CardSub Cleaning House

Products & Services (Cont.)MCB Digital Banking Products and Services:Branchless Banking-MCB LiteMCB E-CommerceMCB eGateMCB Visa Debit CardMCB MobileMCB Internet Banking

Products & Services (Cont.)MCB Digital Banking Products and Services:MCB Call CenterMCB ATMsSMS AlertsMCB E-Statement Utility Bill Payment Services

Products & Services (Cont.) MCB AGRI Products:SHADABI PLAN (Agri production Finance) KHUSHALI PLAN (Agri Development Finance

Products & Services (Cont.)Agriculture Products (Cont..)Shadabi Plan:It covers the agriculture loan products for the production requirements of farm & non-farm activities of the farming community.Financing products under this category are:Agriculture Running Finance-Revolving (ARF-R)Agriculture Production Finance (APF)Agriculture Production Finance Growers (APF-G)

Products & Services (Cont.)Agriculture Products (Cont..)Khushali Plan:Cater the credit need of farmer on long term basis related to both farm and non-farm sectors.Products under Khushali plans are:Tractor FinanceDairy & Meat financingMurghbani FinancingZari technology Financing

Physical evidence.

Mubashar Hassan

Price (Cont.)Pricing includes:Interest rates chargedTransaction chargedMark up pricingCharges for cheque books & ATMCommission charges

PriceThe basic services in banking form a basic productE.g.: Accepting deposits, granting loans

MCB Interest RatesTerm DepositUp to 7.27%Savings AccountUp to 7 %LoansFrom 22 %Personal loansFrom 22 %

Price (Cont..)Credit Card ChargesGoldClassicPlatinumJoining ChargesFreeFreeFreeAnnual ChargesFreeFreeFreeChip Maintenance Charges1500 p.a1000 p.a3000 p.aLate Payment chargesUp to Rs 1000

Pricing (Cont.)Auto Loan ChargesNew car loan and application processing fee4500/ Non RefundableUsed and Imported Car application processing fee5000/ Non Refundable

Pricing (Cont.)Remittance chargesFor Account HolderUp to Rs 500000Up to Rs.250From Rs 500001 to 1000000Up to Rs 450Exceeding 1000000Up to Rs 700For Non Account HolderUp to Rs 200000Up to Rs 350Exceeding Rs 200000Up to Rs 0.15% (Min Charges 350)

PlaceMCB has established wide network of branches through which banking services are delivered.Its purpose is to approach the customer at right place at the least cost.Extensive branch network access to large section of people

Place (Cont.)

Place (Cont.) With the advent of technology other points of interact has been developed such asATMTelephone BankingOnline BankingMobile app.

Place (Cont.)

Mobile AppATM

Place (Cont.)Internet Banking

PromotionMCB use following media to promote their product & serviceAdvertisingPrint MediaSponsorship

Promotion (Cont.)Print Media ad.

Promotion (Cont.)Print Media

Promotion (Cont.)Print Media

Promotion (Cont.)

CSR

Promotion TV AD(Cont.)

People Objective of MCB Bank is to ensure that they have Motivated, ProfessionalCustomer-centric employees who help them to deliver the promise of being the 'most credible bank' across the industry.

People (Cont)

Process.Process consists the over all procedure involved in using the services offered by the bank.The process should be customer friendly.If the overall process is too complicated than the customer may not be inclined to use that services.

Process (Cont.)

Haseeb Ahmad

Our ValuesCourageous We take measured risks and stand up for what is right

Our Values Responsive We deliver relevant, timely solutions for client and customers

Our Values International We value diversity and work as One Bank

Our Values

Creative We innovate and adapt, continuously improving the way we work

Our Values

Trustworthy We are reliable, open and honest

Advanced 24/7 monitoringEmail and SMS alertsSecure e-statements

Software

No compromise on set targets as they have fired many employees

Conclusion MCB has a large network of banking system in Pakistan with more tan 1,130 and 600 ATM machines in all over the Pakistan. It is the only bank in Pakistan having 405 million database of trusted customers which any other bank dont have. It is also known for the most sound financial institution and lending bank of Pakistan having a deposit of PKR 462 billion and also the total assets of 605 billion.