INTRODUCTION:

Tameer Micro Finance Bank Limited is the first scheduled Micro Finance Bank in Pakistan and a part of Telenor Group.

HISTORY:• Tameer Bank launched its operations in 2005 to provide micro-finance and related financial services to the less privileged and unbanked segment of the society.

• Tameer Bank hope to contribute towards poverty eradication under the Microfinance Institution ordinance, 2001.

INSPIRATION SPREAD HOPEOur local priorities with global commitment Financial inclusion: For 10 years Tameer has focused on providing exclusive financial services to Pakistan's un banked.we continue to fulfill our promise to create socio-economic empowerment by providing micro lending and micro saving opportunities for those at the bottom of the pyramid.Health : Tameer has partnered with local insurance companies to provide stand alone health that facilities access to in patient health at hundreds of hospitals around Pakistan.Education: in 2013, Tameer initiated a pilot to finance private schools in remote areas to enable excess to education for the Pakistani people. these private schools no longer have to worry about excess to finance and can focus on providing quality education.Development Partnerships: Tameer works with various local and international organization including win rock, care international, USDA, mercy corps, IAFD on development initiatives that have financial inclusion components.

MANAGEMENT

EXISTING BUSINESS

Loans DepositsHealth Micro

Insurance Easypaisa

Dairy Financing Agri Financing Solar Financing Bio Gas Financing

Low Cost Housing Financing

Bank On Wheel

BANK’S NETWORKS

Tameer and Telenor jointly Launched Easypaisa has over 70,000 shops in more than 800 cities across the country. Nearly 650,000 transactions are conducted on Easypaisa every day by 15 million active customers.

Capital

FUNCTIONAL DEPARTMENTS

Finance Department

Branchless Banking (Easypaisa)

Human Resource

Compliance

Information Technology

Marketing & Strategy Department

Risk Management

Branch Banking

Business Support

Internal Audit

Branchless Banking:Branchless banking is a distribution channel strategy used for delivering financial services without relying on While the strategy may complement an existing bank branch network for giving customers a broader range of channels through which they can access financial services, branchless banking can also be used as a separate channel strategy that entirely forgoes bank branches.

Human Resources DepartmentA human resources department is a critical component of employee well-being in any business, no matter how small. HR responsibilities include payroll, benefits, hiring, firing, and keeping up to date with state and federal tax laws.

Compliance DepartmentThe compliance department within a brokerage firm, bank or financial institution is designed to ensure compliance with all applicable laws, rules and regulations.

Information TechnologyIn a business context, the Information Technology Association of America has defined information technology as "the study, design, development, application, implementation, support or management of computer-based information systems".

Marketing & StrategyAn organization's strategy combines all of its marketing goals into one comprehensive plan. A good marketing strategy should be drawn from market research and focus on the product mix in order to achieve the maximum profit and sustain the business.

Risk Management:(in business) the forecasting and evaluation of financial risks together with the identification of procedures to avoid or minimize their impact.

Branch BankingBranch banking is engaging inbanking activities such as accepting deposits or making loans at facilities away from a bank's home office.Branch banking has gone through significant changes since the 1980s in response to a more competitive nationwide financial services market.

Business Support Systems Business support systems (BSS) are the components that a telecommunication service provider uses to run its business operations towards customers.

Internal Auditing"Internal auditing is an independent, objective assurance and consulting activity designed to add value and improve an organization's operations.

C.E.O

DEPUTY C.E.O

C.F.O

HEAD OF COMPLIANCE

HEAD OF BRANCHLESS BANKING

HEAD OF BUSINESS SUPPORT

CHIEF HUMAN

RESOURCE OFFICER

CHIEF

MARKETING & STRATEGY OFFICER

HEAD OF I.T

CHIEF RISK

OFFICER

HEAD OF BUSINESS

HEAD OF INTERNAL

AUDIT

Finance Department (FINCON)

CFO

Financial Controller

Unit Heads Accounts

Unit Heads Business Planning

Unit Heads Tax

Unit Heads Business Portfolio

Chief Financial Officer: The CFO reports directly to the President/Chief Executive Officer (CEO) and directly assists the Chief Operating Officer (COO) on all strategic and tactical matters as they relate to budget management, cost benefit analysis, forecasting needs and the securing of new funding.

Financial Controller:A financial controller is a senior-level executive who acts as the head of accounting, and oversees the preparation of financial reports, such as balance sheets and income statements.

Business Planning:Business Planning is a planning process that integrates across two or more functions in a business or government entity referred to as an enterprise to maximize financial value.

Business Portfolio:A business portfolio is a company's set of investments, holdings, products, businesses and brands. A product portfolio is the product's mix of market segments. Marketing managers attempt to make a product appeal to specific groups of people, called segments.

Accounts Department:The accounting department is responsible for recording and reporting the cash flow transactions of a company. This department has some key roles and responsibilities, including accounts receivable, accounts payable, payroll, financial reporting, and maintaining financial controls.

SWOT Analysis

Strength Weakness

•Both agencies have understood their domains.•System organized, structured •No communication gaps

•Brand Reorganization•No proper advertisement on electronic media.

Opportunities Threats

•Emerging Market•Focus on informal sector neglected so far by banking system/comparative advantage for risk‐taking agency

•Security and external hazards• Other micro finance banks. e.gApnabank

RecommendationsThe global economic environment has changed, creating challenges and opportunities for the world’s policy makers. Now there is a greater awareness that Banks are playing very important role in the economic growth of any country. TMFB, no doubt a positive contributor in this respect but I think there are certain points which bank needs to adopt in order to serve in a more effective and efficient manner. These points are as under:

•Model Banks are using media very effectively to increase the business of banks. So TMFB should need to use electronic media for its business developments.

•The bank should bring forward the new talent as fresh knowledge and education is considered very important to increase the efficiency and production.

• Bank should introduce Credit cards and Debit cards Facility.

Thank You

Presentation Prepared By:Mudassir Raza

Information Gathered By:Rehan Inam & Shayan Asif

Cross Checked By:Nasir Mehmood & Syed Ayaz Ahmed