ACKNOWLEDGEMENT

First of all we would like to thank Almighty Allah who enabled us potency and courage to successfully
research and pen this project, to achieve our target and complete this report up to our ultimate level.
We would like to extend our special thanks to MS. AYESHA RASHEED LONE, who conducted our
course and continuously guided and supported us during our project and enabled us the opportunity of
practically performing all that we had studied during the semester.
We would also like to thank the endurance of our parents and family members for bearing up with us
throughout this endeavor both time and money wise.
Dedication
We dedicate this report to M. A!"#A $A#""% &'(". Without her guidance and support we could
have not completed this report.
FOREIGN BANKS IN PAKISTAN:
Foreign )anks work after the approval of *overnment of +akistan and the province the same
services,which commercial banks provide in the country.,hese banks play very vital role in
maintaining foreign reserves and in the development of domestic trade.At present there are some
foreign banks working in the country. Foreign banks are mainly concentrating in the field of
foreign trade financing with emphasis on export financing. All the "uro dollar loan syndications
for the *overnment of +akistan have been managed by foreign banks. -n the area of aircraft
financing too, the foreign banks have played a leading role. -n the area of leasing and hire.
purchase, some of the foreign banks have volunteered to draw down on their institutional experts
to provide the expertise to make leasing a reality. -n the case of automation and electronic
banking, the foreign banks moved at a faster pace than the local banks.

CRITERIA FOR OPENING FOREIGN BANKS
BRANCHES IN PAKISTAN
A foreign bank desirous of undertaking banking business in +akistan, is permitted to do so unless
and until it has in its possession a written license issued by the tate )ank in that behalf.
/nder the existing legal provisions governing the grant of licenses to foreign banks for operating
in +akistan. tate )ank is empowered to consider applications from only such countries where
the government or law provides the same facilities to the banking companies incorporated in
+akistan as the *overnment or the law of +akistan provides to companies incorporated outside
+akistan.
Further, the following criteria for granting permission to foreign banks to establish branches in
+akistan is in vogue0
1. ,he applicant bank should have been in active business for a minimum of 2 years.
3. ,he minimum assigned capital to be maintained by the applicant bank in +akistan should
not be less than $s. 2 million or 4.25 of its demand and time liabilities in +akistan
whichever is more. 6,his re7uirement is subject to review from time to time8.
9. -t should have branches in at least two countries other than the country of its
incorporation.
:. -n the case of a country where more than one +akistani bank is operating, the number of
banks from that country should not exceed the number of +akistani banks.
Following information;documents are also re7uired for processing application of a foreign bank
to open a branch in +akistan0
1. Annual audited reports of the bank for the last 2 years.
3. )io.data of directors of the bank.
9. &ist of shareholders of the bank indicating their nationality.
:. Attested copy of <ertificate of -ncorporation.
2. Attested copy of Articles and Memorandum of Association.
=. &ist of branches operating inside and outside the country of origin.
4. &etter of Authority from <entral )ank authori>ing the bank to establish branches outside
the country.
?. $ules regarding opening of foreign bankis branches in its country.
tate )ank considers applications for grant of licenses to commence banking business in
+akistan by banks incorporated outside +akistan which are duly submitted in the prescribed
form.
HSBC:
#)< is one of the largest banking and financial services organisations in the world. #)<@s
international network comprises over A,2BB offices in ?2 countries and territories in "urope, the
Asia.+acific region, the Americas, the Middle "ast and Africa.
#)< started its operations in +akistan in 1A?3. ince then, it has expanded to all major cities of
+akistan and operates as a full service bank. -t currently has 11 offices, 3:;4 telephone call
centre, and #)< +remier. ,he bank also offers ($+ 6non.resident +akistani8 services. 'ut of
its branches, four are located in Carachi, two each in &ahore and -slamabad, and one each
in $awalpindi,Faisalabad, and ialkot. All the cities served also offer +remier <entres. #)<@s
offices in +akistan were operated by ,he #ongkong and hanghai )anking <orporation. -n
3BB?, ,he #ongkong and hanghai )anking <orporation sold +akistan banking business to
#)< )ank Middle "ast &imited.
Se!ice" are offered in following sectors by #)<0
HSBC Pe#ie
HSBC Ad!ance
Pe"ona$
B%"ine"" and Co##ecia$
G$o&a$ Ban'in( and Ma'et"
A)ad"
In *+,+ G$o&a$ Tade Re!ie) A)ad":
)est *lobal ,rade Finance )ank
)est ,rade Finance )ank in M"(A
)est %omestic <ash Manager Middle "ast
BARCLAYS:
Bac$a-" PLC is a )ritish multinational banking and financial services company head7uartered
in &ondon, /nited Cingdom. As of 3B1B it was the world@s 1Bth.largest banking and financial
services group and 31st.largest company according to a composite measure. -t has operations in
over 2B countries and territories across Africa, Asia, "urope, (orth America and outh America
and around :? million customers.
,he tate )ank of +akistan in %ecember 3BB4 granted )arclays the licence to operate in the
country.
)arclays commenced operations in +akistan in Duly 3BB?. -t serves its customers and clients
across the country through a network of 9B A,Ms and 12 branches, including five branches in
&ahore, four in Carachi, one in -slamabad and two in $awalpindi. ,he )arclays network has
extended its presence to the rural centres of Mangla, $awat and Akora Chattak with a branch in
each of these locations.
-n +akistan, the )arclays "e!ice" include0
Retai$ &an'in(0 offers customers a range of personal accounts, investment options,
consumer loans and )ancassurance
Pe#ie &an'in(: provides preferential banking services to eligible customers
Co.oate &an'in(0 offers business banking services tailored to meet the needs of
corporate clients, including cash management, loans, savings and risk management, supported
by a dedicated $elationship Manager.
DE/TSCHE BANK:
%eutsche )ank first established in +akistan on 33 Duly 1A=1, with the name %eutsch Asiatische
)ank, which was later renamed as %eutsche )ank A* on 2 April 1A??.
%eutsche )ank celebrates today its 2Bth anniversary in +akistan, marking an important milestone
of its presence in the market. %eutsche )ank first established in +akistan on 33 Duly 1A=1, with
the name %eutsch Asiatische )ank, which was later renamed as %eutsche )ank A* on 2 April
1A??. 'ver the last five decades, the )ank has expanded its franchise with offices established in
three major cities Carachi, &ahore and -slamabad.
%eutsche )ank offers a full suite of corporate and investment bank products to its clients. With
strong on.the.ground presence, coupled with the )ankEs regional and global expertise,.
'ver the years, %eutsche )ank has been a leader in helping +akistan clients raise capital in
offshore markets, playing a key role in international bond offerings for the -slamic $epublic of
+akistan.-s providing "e!ice" in following sectors0
Co.oate 0 In!e"t#ent Ban'
Pi!ate C$ient" and A""et Mana(e#ent
A)ad"
%eutsche )ank A* in +akistan was named )est )ank in ,he AssetEs ,riple A Awards 3BB?.
Deutsche Bank led a consortium of banks to provide EUR 118 million in loans for 48
MW photovoltaic project in tal!
CITI BANK:
Hi"to-:
<iti has been operating in +akistan since 1A=1 and has a highly respected franchise through our
successful delivery of innovative, high.7uality banking products and services to its clients. <iti
has many @firsts@ to our credit including launching the first credit card in +akistan, pioneering
<onsumer Asset financing and introducing the first 3: hour, 4 days a week call centre.
We have been at the forefront of the financial sector reform process and have been the lead bank
in taking the *overnment to international capital markets, including issues of the first Foreign
<urrency ukuk, the first 9B year / %ollar overeign )ond and the first e7uity offering in over
a decade.
We are also the leading bank in +akistan for delivering "xport Agency and Multilateral financing
and have been instrumental in the development of +akistan@s market for derivatives and other
treasury products.
B%"ine""e"0
With over 1BBB employees in +akistan, we operate through two major business linesF our *lobal
<onsumer *roup and our -nstitutional <lients *roup, providing a variety of services to more
than 3BB,BBB consumer and corporate clients respectively.
<iti +akistan has a network of 3= branches across Carachi, #yderabad, -slamabad, $awalpindi,
&ahore, Faisalabad, Multan, ialkot, *ujranwala and Dhelum
Co##%nit-0
<iti@s philanthropic arm. the <iti Foundation is committed to enhancing economic opportunities
for underserved individuals and families in +akistan. ince 3BB3, the <iti Foundation has given
more than /G9.2 million in grants to projects focusing on Microfinance and
Microentrepreneurship, "ducation, Financial "ducation and transfer of expertise. <iti +akistan
has received the prestigious <$ (ational "xcellence award for outstanding <orporate ocial
$esponsibility in 3BB4.
MISSION
Bringing the bank to your
workplace.
PERSONAL BANKING:
P1one Ban'in(:
'ur 3:;4 <iti+hone )anking allows you to access our <ustomer ervices staff around.
the.clock, around the globe
(ow access information, give instructions or register your complaints with the utmost
security and convenience over the telephone,
by simply dialing 111.333.333 or 111.999.999
-nternational <allers may dial.in via the following numbers0 HA3.31.932A.B194
C/STOMERS FORM CENTERS
ame )ase Account 'pening $e7uest Form
Account tatement ; )ank <ertificate $e7uest Form
Account <losure $e7uest Form
INTERNET BANKING:
Ke- Bene2it" o2 Citi&an' On$ine
Iuick and easy access to your bank accounts
,ransfer money between your <itibank accounts
/se -)F, to transfer funds to accounts in other participating banks
Make your utility bill payments and credit card payments from the comfort of your home
or office at any time
'rder check books and account statements
Acco%nt In2o#ation
Jiew account details and activity
Jiew balance summary
%ownload account activity
Tan"2e" and Pa-#ent"
,ransfer funds between your accounts with <itibank +akistan
,ransfer funds to another <itibank +akistan customer
Foreign <urrency ,ransfer
Rate In2o#ation
Foreign currency exchange rate
-nterest;profit rate
De#and Da2t" and Mana(e C1ec'"
-ssuance of %emand %rafts
-ssuance of Manager checks . +ak $upee 'nly
Pa-#ent"
)ill +ayments to ervice +roviders in +akistan
+ay your <itibank <redit <ard )ill
C%"to#e Se!ice"
'rder account statement
'rder for check book
$ecommend a friend
/pdate your contact information
Pa-ee Li"t
Add a (ew +ayee
ee or %elete +ayees
CITI DEBIT CARD:
%ebit <ard

En3o- con!enience4 "ec%it- and e5citin( .i!i$e(e" )it1 -o% Citi&an' ATM 6 De&it Cad




<itibank A,M;%ebit <ard brings you banking convenience locally and globally. From cash
withdrawals to your daily purchases and bill payments, all you need is your <itibank A,M;%ebit
<ard. What@s more, you will experience exclusive lifestyle privileges when you make purchases
with your <ard.


Bene2it":

-nstant access to cash at any of our <itibank A,Ms and A,Ms connected via M(",; 1.
&ink

With over 1.: million Jisa;+lus A,Ms globally, you can withdraw cash when you are
travelling.

Worldwide recognition of the Jisa logo allows you to shop globally at over 3A million
merchants. !our purchases are paid directly from your bank account, which means you
have no late fees or interests to worry about.

"njoy peace of mind with our safety features K +rovides you with the highest level of
security against any fraudulent activities on your card.

With <iti Alerts, an M is all it takes to let you find out your account balance, latest bank
and card transactions and more

!ou can withdraw up to $s. 1=B,BBB daily through your <itigold %ebit <ard

In!e"to Pot2o$io Sec%itie" Acco%nt"7"8
<itibank customers can invest in *overnment securities by filling out the -+ Account 'pening
form. After ensuring the completeness and accuracy of the form and supporting documentation,
<itibank opens an -+ account with the tate )ank of +akistan on customerEs behalf.
,he main types of *overnment securities that customers can invest through this account are0
Tea"%- Bi$$" 7T9Bi$$"8
,reasury bills are >ero coupon instruments issued by the *overnment of +akistan and sold
through the tate )ank of +akistan via fortnightly auctions. ,.)ills are issued with maturities of
9.months, =.months and 1 !ear and are priced at a discount. ,.)ills are risk free,.
,hey are issued with a minimum denomination of $s.1BB, BBB.
Pa'i"tan In!e"t#ent Bond" 7PIBS8
+-)s are long term bonds issued by the *overnment of +akistan and sold through the tate )ank
of +akistan via periodic auctions. +-)s are issued with tenors of 9, 2, 4, 1B, 12, 3B and 9B !ears.
)eing backed by the *overnment of +akistan, they present a low risk long term investment
option. ,he +akistan -nvestment )onds offer a fixed semiannual coupon and repayment of
principal at maturity. ,hey are highly li7uid &$ eligible securities that are actively traded in the
secondary market.
,he minimum denomination of +-)s is $s.1BB, BBB.
T-.e o2 Tan"action Fo#
Account 'pening form for -+ -+ Account Form
+urchase of +-)s ; ,.)ills in competitive bid through auctions
6primary market8
%eal $e7uest Form .
Auctions
+urchase of +-)s ; ,.)ills in non.competitive bid through
auctions 6primary market8
%eal $e7uest Form .
Auctions
+urchase of +-)s ; ,.)ills from <itibank inventory 6secondary
market8
%eal $e7uest Form K (on
Auctions
elling of +-)s ; ,.)ills
%eal $e7uest Form K (on
Auctions
C1a(e"
Ite# C1a(e"
-+ Account opening charges +C$ 1BBB
,ransaction charges +C$ 3BB ; transaction
afe Ceeping <harges ; tamp %uty ; &egal Fee +C$ 1BBB per annum

CITI INS/RANCE:
Hea$t1 Foe!e
Li2e i" a$$ a&o%t &ein( .e.aed
&ife is all about being prepared. ,hatEs why it is important to plan ahead for emergency medical
costs, so that you stay prepared for any eventuality. #ealth Forever assures you of the best
medical treatment, without having to bother about the cost of the treatment or compromise on its
7uality.
With Hea$t1 Foe!e <itibank customers get protection against #edica$ co"t" arising as a result
of an accident o "ic'ne"" and include life insurance as a built.in feature. #ealth Forever
protects you against these costs for a small premium payment, so you can forget about what
might happen tomorrow and start living toda-.
,. In9Ho".ita$ Inco#e Bene2it
A lump sum benefit of PKR ,4:++ will be paid for each day an insured customer is hospitali>ed
due to accidents or sickness. ,his money is paid in addition to any other insurance a customer
might have and can be used to replace lost income, to assist with family expenses or to help pay
for best possible medical care. <overage starts from 1=th day of enrollment under the +lan and
the benefit is payable for a maximum of 9B days per admission.
*. IC/ Bene2it
An additional lump sum benefit of PKR ,4:++ will be paid for each day an insured customer is
confined to intensive care unit 6-</8 of a hospital due to accidents or sickness. <overage starts
from 1=th day of enrollment under the +lan8 and the benefit is payable for a maximum of 9B days
per admission.
;. Dead Di"ea"e" Bene2it
-f an insured customer is diagnosed, for the first time in his; her life, with any of the
following < di"ea"e" after at least =B days of enrollment under the +lan, a lump sum of +C$
2B,BBB will be paid to him; her0
Malignant <ancer
troke
#eart Attack
<oronary Artery )ypass urgery
Cidney Failure
Major 'rgan ,ransplant
Multiple clerosis
,he benefit mentioned above is payable on diagnosis of any of these illnesses and is subject to a
surviving period of at least 3? days from the date of diagnosis.
=. Accidenta$ Medica$ Rei#&%"e#ent
$eimbursement of medical expenses incurred as a result of accidental bodily injury, within 9B
days from the date of accident. ,he payment covered includes payment to physician, surgeon,
nurse, hospital for medical, surgical, L.ray, hospital, nursing, or daycare treatment including the
cost of medical supplies, subject to an annual limit of PKR ,:+4+++ and per incidence deductible
of +C$ 2BB. ,his includes treatment of injuries, fractures and lacerated wounds.
:. Deat1 Bene2it
A lump sum benefit PKR ;++4+++ is paid to the designated beneficiary.
>. Accidenta$ Deat1 Bene2it
-ncase the insured customer expires as a result of accident, a monthly income of +C$ 1B,BBB is
paid to the designated beneficiary for a guaranteed period of 1B years K total payout PKR
,4*++4+++.
<. Pe#i%#
All the above benefits can be availed for an annual premium of PKR ;4+++. !our coverage will
be automatically renewed on yearly basis M shall be terminated at will or when you reach the age
of =B.
Li2e P$%"
Ma- -o% a$)a-" 1a!e it and ne!e need it.
+re.approved life insurance worth $s. 1,BBB,BBB by American &ife -nsurance <ompany
6+akistan8 &imited. "xclusively for <itibank <ardmembers.
"veryone strives to provide the very best for their family and you are no different. ometimes it
is hard to deal with the growing needs of your loved ones, so take the right steps that would help
them reap rich dividends even if you aren@t there 6in case of %eath or +ermanent ,otal
%isability8. *uarantee your loved ones a prosperous M trouble.free future by opting for a &ife
+lus +lan.
W1at i" a Li2e P$%" P$an?
&ife +lus is a <omprehensive &ife +rotection +lan underwritten by A&-<' 6American &ife
-nsurance <ompany 6+akistan8 &imited8. &ife +lus +lan re7uires no medical check.up. -t
provides the family with N$s. 1,BBB,BBBN in any event resulting in &oss of &ife or +ermanent
,otal %isability. -t is affordable and is offered to <itibank <ardmembers at only $s. 32B;month
for a &ife cover and $s.932;month for both &ife and +ermanent ,otal %isability cover.
Li2e P$%" P$an Feat%e"
&ife +lus covers both accidental and nonaccidental risks to life and provides a 3:.hour
worldwide protection against the following0
1.%eath
3. +ermanent ,otal %isability
Deat1:
-f a <itibank <ardmember dies while insured under this plan, A&-<' 6American &ife -nsurance
<ompany 6+akistan8 &imited8 will pay $s. 1,BBB,BBB to the beneficiary6ies8.
Pe#anent Tota$ Di"a&i$it-:
-f a <itibank <ardmember becomes +ermanently ,otal %isabled while insured under this plan,
A&-<' 6American &ife -nsurance <ompany 6+akistan8 &imited8 will pay $s. 1,BBB,BBB to the
policy holder;beneficiary6ies8 6+ermanent ,otal %isability benefit is offered with the %eath
benefit8.
Co!ea(e
L%#. S%#
Bene2it"
Mont1$- Bene2it Pe#i%#
%eath 'nly )enefits $s. 2BB,BBB
$s. 3B,BBB for 32
months
$s. 32B;month
%eath M +ermanent ,otal
%isability )enefits
$s. 2BB,BBB
$s. 3B,BBB for 32
months
$s. 932;month
E$i(i&i$it-
<itibank <ardmembers between the age of 1? and =B are eligible for enrollment under &ife +lus
+lan 6renewable up to =2th )irthday8.
Citi&an' Cedit S1ie$d P$%"
I2 t1e %ne5.ected 1a..en"4 -o% ae co!eed.
<redit hield +lus is now available with Do%&$e Inde#nit- which provides for an additional
payment e7ual to the outstanding on <itibank <redit <ard to the beneficiary nominated in case of
accidental death. <itibank <redit hield +lus gives you total peace of mind by insuring you
against unforeseen emergencies concerning your health and life. /nder this cover, if you are
unable to pay the minimum amount because of temporary disability, the underwriter will pay on
your behalf. -n the unfortunate event of prolonged critical illness, permanent disability or even
death, the underwriter will pay the entire total balance on your <itibank <redit <ard. -n the event
of an accidental death, the underwriter will pay the beneficiary 6 appointed by the <ard member 8
an e7ual amount of the outstanding on <itibank <redit <ard balance.
<redit hield +lus offers you peace of mind by helping you pay your <itibank <ard payments
when you are not able to, so your loved ones will not be burdened with these payments.
<itibank <redit hield +lus provides insurance coverage on occurrence of the following events0
Bene2it"
Te#.oa- di"a&i$it-: -n case of temporary disability under <redit hield +lus
minimum monthly payments for up to six months to <itibank on your behalf.
Pe#anent di"a&i$it-: -n case of permanent disability under <redit hield +lus full
payment of the outstanding card balance to <itibank on your behalf.
Citica$ i$$ne"": /nder <redit hield +lus full payment of outstanding card balance, in
case of any of the following critical illnesses, first occurring after the <ommencement
%ate0 )lindness, Malignant <ancer, troke, #eart Attack, Major 'rgan ,ransplant
urgery, <oronary Artery )ypass urgery and <hronic $enal Failure. +lease read the full
,erms and <onditions for more detail.
Nat%a$ Deat1: -n case of death under <redit hield +lus full payment of the outstanding
card balance on your behalf.
Accidenta$ Deat1: -n case of Accidental %eath an additional amount e7ual to the
outstanding on your credit card will be paid to the beneficiary nominated.
,he insurance coverage under <redit hield +lus is subject to the <redit <ard M
-nsurance ,erms M <onditions
Ke- E5c$%"ion"
ome of the key exclusions are 0
%eath by suicide
<ritical illness occurring within AB days of the commencement of the policy
Any deliberate self.inflicted injury
Flying other than as a passenger
War, $iots, A-%, #-J
Any <ritical -llness which was diagnosed prior to the <ommencement %ate of the
<overage etc.
E$i(i&i$it-
,he eligible age for enrolment under <redit hield +lus is 31 to 2A years. #owever, once
enrolled on the program the coverage continues till age of =2 subject to premium payments.
<overage automatically terminates after the customer reaches =2 years of age.
Fa#i$- Potection P$an
E5.e"" -o% $o!e...
Potect -o% 2a#i$-@" 2%t%e
"xpress love for your family by ensuring their lifetime happiness M security. *et a continued
insurance cover for them with the Family +rotection +lan by <hartis (ew #ampshire -nsurance
<ompany, +akistan )ranch.
,he Family +rotection +lan is a personal accident insurance policy that provides coverage on a
3:.hour worldwide basis against the following0
Accidental %eath
+ermanent ,otal %isability
Accidental Medical "xpenses
+remium will be charged on your credit card or debited from your bank account on easy monthly
instalments. ,he sums insured and monthly premium amount payable on account of sums
insured are stated below0
Bene2it Co!ea(e Pe#i%#
Accidental %eath 6A%8 M +ermanent ,otal %isability 6+,%8 $s. 1,BBB,BBB
$s. 1=2
Medical $eimbursement per month $s. 32,BBB
De"ci.tion o2 t1e Co!ea(e"
,. Accidenta$ Deat1
-f an accident covered in the policy results in death of the policy holder, then the insurance sum
shall be paid to the beneficiary6ies8.
*. Pe#anent Tota$ Di"a&i$it-
-f an accident covered in the policy disables the policy holder, the insurance sum for permanent
total disability shall be paid to the policy holder.
;. Accidenta$ Medica$ E5.en"e"
,he underwriters shall pay doctor@s fees and expenses for medicine, radiograph, hospital and
other treatment.
E$i(i&i$it- and Eno$$#ent
<ustomers who are below == years of age 6=2 included, == not included8 are eligible for
enrolment under Family +rotection +lan.
Sec%e Wa$$et P$an
T1ee i" a &ette )a- to "ec%e -o% )a$$et.
In"%e -o% )a$$et a(ain"t $o"" o t1e2tA
<itibank ecure Wallet +lan is the ultimate protection for your wallet. ,his is the only insurance
plan that covers you against all the following risks0
&oss or theft of your credit card6s8
&oss or theft of your keys and identification papers
%eath or disability 6due to theft;robbery8
A,M <ash Withdrawal <over 6due to theft;robbery8
"njoy complete peace of mind while you are shopping, at work or anywhere in the world, as
ecure Wallet +lan provides your wallet with the protection it needs . securing your credit cards,
be they of <itibank or any other bank, keys and identification papers.
-nsurance coverage is available worldwide for 3: hours a day. All financial losses are
underwritten by <hartis (ew #ampshire -nsurance <ompany, +akistan )ranch . the leading
insurance company in the world.

Cedit Cad Fa%d
ecure yourself against fraudulent usage of your <itibank <redit <ard or any other credit card
you carry, due to loss, theft or robbery. ,he insurance plan covers financial loss incurred after
loss of the <redit <ard6s8 and during :? hours, starting from the time loss and;or theft of the
<redit <ard.
ecure Wallet +lan offers the following coverage against the loss or theft of credit card6s8.
<redit <ard Fraud /p to $s. 2B,BBB claim per month
All fraudulent transactions committed as a result of a loss or theft of a <redit <ard are considered
as one single loss.

Lo"" o T1e2t o2 Ke-" and Identi2ication Pa.e"
A wallet contains more than just credit cards, which is why <itibank ecure Wallet +lan covers
you against the loss or theft of your keys and;or identification papers as well.
-n case of the loss or theft of keys and;or identification papers the plan refunds the expenses
incurred on the replacement of the following0
Ceys /p to $s. 2,BBB per claim per month
-dentification +apers /p to $s. 1B,BBB per claim and per month

Accidenta$ Deat1 0 Di"a&i$it- in ca"e o2 Ro&&e- o T1e2t
%uring theft or robbery, your wallet is not the only valuable in danger. ,hat is why <itibank
ecure Wallet +lan also includes insurance coverage of $s. =BB,BBB in case of loss of life or
permanent disability.
Accidenta$ Deat1
-f death of the policy holder is caused due to injuries inflicted on him;her during robbery;theft,
whether immediately or within 1?B days from the date of robbery, the insurance sum shall be
paid to the beneficiary6ies8.
Pe#anent Di"a&i$it-
-f permanent disability is caused due to injuries during robbery;theft, whether immediately or
within 1?B days from the date of accident, the insurance sum shall be paid to the beneficiary6ies8.
,he maximum amount payable under all options is $s. =BB,BBB;.
ATM Ca"1 Wit1da)a$ Co!e
ecure wallet provides you a heightened sense of security M peace of mind. ,he insurance plan
covers financial losses, damages and claims arising due to theft, snatching and robbery of cash
withdrawn from any A,M, within the vicinity of 3BB s7uare yards.
A,M <ash withdrawal cover
/p to $s. 3B,BBB claim per
month

)enefits <overage +remium
Accidental %eath and %isability %ue to theft or
robbery
$s. =BB,BBB
$s. 1AA
-dentification +aper $s. 1B,BBB
Ceys $s. 2BBB
-nsurance <over against theft or robbery of the <ash
Withdrwan from any A,M per occurance
$s. 3B,BBB
um insured against fraudulent credit card transaction $s. 2B,BBB
Monthly premium amount will be charged on your <redit <ard or debited from your bank
account.

E$i(i&i$it-
All <itibank customers between the ages of 1? and =2 years can enrol under this plan. ,he
existing policy will stand terminated once the customer attains the age of == years.


SABINGS PLAN POLICY:
Yo% Fa#i$-C" Ho.e" De.end on -o%. Sa!in( P$an en"%e" it doe"nCt end )it1 -o%A
&ife is full of uncertain events Mcommitments that re7uire planning with precision. As a
responsible individual, you need to ensure that your child@s future is secured and savings are
preserved against the rising cost of financial obligations. For this you need a plan that offers you
both, savings and protection.
W1- Sa!in(" P$an?
,his plan offers you a Financial olution enabling you to spread the financial outlay of regular
premium payments over the term of the policy. -tEs a flexible policy that combines avings with
&ife <over.
Ke- Bene2it" o2 Sa!in(" P$an Po$ic-
&ump sum payment of $s. 3BB,BBB without any extra charge in the event of %eath of the
parent 6life assured8 due to ickness or Accident.
Additional lump sum payment of $s.1,BBB,BBB without any extra charge in the event of
Accidental %eath of the parent 6life assured8.
*uaranteed minimum Annual !ield of :5 on accumulated cash value.
(o Medical <heckups re7uired.
+artial Withdrawal M &oan Facility available for key milestones in your childEs life.
#edging option available to protect accumulated cash value against inflation.
E$i(i&i$it-
<itibank customers holding a <itibank <redit <ard and;or a )ranch )anking Account between
the age of 1? M 42 years are eligible to enroll into the avings +lan. ,he maximum age of entry
under the avings +lan is 42, provided no supplementary contracts i.e. $ider 6-nsurance8 is
availed. #owever, the built.in &ife -nsurance and Additional Accidental %eath )enefits are
available till customer age =2 and 42 years respectively.
A%to 2o CAW C%"to#e"
A Co#.e1en"i!e So$%tion
Auto comprehensive coverage, including ,heft, natching, Accidental %amage, %amage due to
(atural <alamities, ,errorism and ,hird +arty &iability underwritten by <hartis (ew #ampshire
-nsurance <ompany.
Additiona$ Feat%e"
(o tracker re7uirement on any vehicle
Free +ersonal accident policy of +C$ 1BB,BBB
Free #ome -nsurance coverage of +C$ 1BB,BBB
+referential corporate rates

Ta!e$ 2o CAW C%"to#e"
Ta!e$ Potection So$%tion
)efore you book your tickets or make your plans, ask yourself this vital 7uestion0 OAm - covered
for any eventualityPQ Accidents, *od forbid, can happen anytime. Medical emergency, lost
baggage, lost passport, flight delay etc. !ou canEt stop the unexpected from happening, but you
can stay protected at all times.
<hartis provides you a convenient, affordable and chengen approved travel insurance plan.
Whether you are traveling on leisure or a business trip, <hartis provides you medical, personal
accident and a host of other benefits which protect you on your journey anywhere in the world.
CORPORATE BANKING:
Citi&an' Wo$d)ide Sec%itie" Se!ice" 7WWSS8
<itibank Worldwide ecurities ervices 6WW8 is a unit of <itigroup@s of *lobal <orporate
and -nvestment )ank. WW serves global issuers, investors and intermediaries through the
industry@s largest proprietary network, spanning 21countries. -t currently provides securities
services to more than 3,2BB customers worldwide and has G: trillion in assets under custody.
WW is the industry@s premier custodian of cross.border assets, top ranked global clearer and
recogni>ed leader in depositary receipt services, and agency and trust services. ,he local
presence of WW, supported globally by $egional ervice <enters, ensures clients of
consistent transaction processing worldwide, proprietary control of clearing cycles and reduced
risk in all cross.border securities transactions.
With a global leadership position in virtually every market served, Worldwide ecurities
ervices offers corporate and institutional clients the full spectrum of custody, trust and
safekeeping services. <itibank is capable of handling end.to.end transactions on a global scale
that few financial institutions can match. We have been consistently recogni>ed for our excellent
execution, global consistency and local market expertise. <itibank is rated Most Acclaimed
(etwork by the *lobal <ustodian maga>ine 6-ndustry )enchmark8 . with 9? countries ,op rated
<itibank@s core custody product offers a range of services which include safekeeping, settlement,
cash processing, income collection and corporate actions, proxy voting services and market
information.
Sec%itie" Se!ice" in Pa'i"tan
<itibank was the first foreign bank to offer custody services in +akistan. We offer a full range of
services under our core custody product with the capability of offering value.added services such
as "scrow and %epository ervices. <itibank@s execution capabilities cover a broad range of
financial instruments, which includes e7uities, corporate, and government bonds and money
market instruments. We have experience of operating in both the physical and scripless
environment and have consistently demonstrated our ability to service the client@s needs by
maintaining high service standards.
We have a highly experienced team of professionals with strong local market expertise and skills
who have extensive experience in dealing with local market participants such as brokers,
companies, and regulatory bodies such as the stock exchange and the central depository.
<itibank has played a major role towards the development of a condusive framework to facilitate
foreign portfolio investment through its close interaction with different regulatory bodies.
,he bank was rated as @<ommended@ with the highest scores in the *lobal <ustodian urvey
6-ndustry )enchmark8 for 1AAA for its service excellence.
A(enc- 0 T%"t Se!ice"
<itibank Agency and ,rust provides ,rustee. and Agency.related appointments for various debt
products including commercial paper, medium term notes, bonds, asset. backed securities, and
mortgage. backed securities. -n addition, escrow, project finance, tenders;exchanges warrant
agent and other speciali>ed agency services are also available. <A, provides a full range of
support across multiple currencies, regionally and globally for issuers looking to raise short,
medium and long term debt in all major markets. <itibank is known for innovative structures that
are cost.efficient, replicable, and maximi>e speed of payment for corporations, sovereigns, and
financial institutions in both developed and emerging markets.

Sec%itie" Lendin(
ecurities lending involves facilitating the loan of securities from lenders to fulfill the borrowing
re7uirements of selected brokers, banks, broker;dealers, and other financial institutions and
investment firms worldwide to support trading strategies and; or settlement obligations. ,he
depth and breadth of <itibankEs global presence differentiates our capabilities and provides direct
benefits in servicing your international and domestic portfolios. We currently lend securities in
over 32 countries through our global trading centers in (orth America, "urope and Asia
providing 3:.hour coverage to meet the demands of borrowers worldwide. )y utili>ing local
market expertise through <itibank@s local presence, we are able to track market movements and
trading strategies.

De.o"ito- Recei.t"
%epository $eceipts enable non./.. companies to broaden their /.. shareholder base or raise
capital through registered public offerings or private placements. <reated in 1A34, American
%epository $eceipts 6A%$s8 are /.. securities that represent shares of a non./.. company and
trade in the /.. financial markets in /.. dollars, similar to those of ordinary shares of /..
companies.
<itibank provides a full range of %epository $eceipt services, including liaison with the issuer,
investment bank, issuerEs legal representative and regulatory agencies during the development of
the program. Following the program launch, <itibank issues %$s against deposit of underlying
sharesF provides transfer and registration services, account management, corporate action
services. ,he bank also supports information needs and sets up custodian arrangements for
holding shares in the issuersE home market.
Major program types include unlisted A%$s that trade over.the.counterF listed A%$s that trade
on the (!", (asda7 or Amex. <itibank speciali>es in ground. breaking %epository $eceipt
offerings, creating the first0
*lobal %epository $eceipts 6*%$s8 . simultaneous offerings in multiple marketsF
$ule 1::A American %epository $eceipts . sold to 7ualified institutional buyers onlyF
ingapore %epository $eceiptsF
American %epository %ebentures . convertible debt in %epository form.
Loca$ Sett$e#ent Se!ice"
<itibank will handle all activities related to trade processing which include matching of trade
instructions, accepting ; delivering shares from brokers ; counterparties, payment transfers, and
monitoring of pending trades with regular status reporting on all trade settlements and pending
trades.
<itibank will handle all cash processing associated with your securities portfolio in terms of
payments;receipts on account of trade settlements, collection of dividends, interest payments and
related expenses.

Loca$ Sa2e'ee.in( Se!ice"
<itibank can hold shares in both physical and scripless form on your behalf. We have a vault
dedicated to custody services for holding physical shares and also maintain an account with the
<entral %epository <ompany 6<%<8 for safekeeping and transacting
scripless shares. <itibank offers registration services for physical shares which includes
registration processing, monitoring, outstanding stock and timely collection of shares and
transfer deeds from registrars. <itibank will provide regular reporting at each stage of the
registration cycle to give an updated portfolio status.
<itibank monitors all income and corporate action events relating to its client@s portfolio by
providing timely information on announcements, accrued entitlements and receipt of these
entitlements on issuuance date. <itibank will collect all dividend and interest income or shares
from companies on maturity or issuance date. <itibank will monitor all due dates and conduct
follow up on all pending items.
<itibank assists clients in corporate governance through our proxy.voting services. We provide
comprehensive reporting on all events relating to A*M or "*M announcements and make
representation on your behalf at meeting to execute voting instructions.

Ot1e Loca$ Se!ice"
Ma'et In2o#ation
We keep our customers abreast of all market developments in the form of changes in market
regulations, procedures, infrastructural changes and any other event which can materially impact
their investments.
Re.otin(
<itibank will provide securities portfolio valuation, transaction activity and cash statements on a
monthly basis. Additionally, we are willing to provide any special reporting which you re7uire
concering your portfolio in the desired format.
S-"te#" O!e!ie)
<itibank@s back end securities processing system 6"AM8 captures all activities relating to our
securities processing facilitating efficient reporting and ready access to information relating to
the client@s portfolio.
Tade
,rade M Finance ervices is an integral part of <itibank@s product offering. -n addition to a
variety of plain vanilla trade products we offer innovative and efficient solutions structured to
meet customer needs.
<ustomers0 <itibank has a very wide customer base. 'ur clients range from large
multinationals to small local companies, from public sector names to financial
institutions. Also we are always looking to expand our trade product customer base.
<itibank has a separate trade product unit and dedicated operations, all aimed at meeting
customer needs and providing the best financial service possible.
".<ommerce0 At <itibank we take pride in being technology leaders. World over our
focus is on ".<ommerce and electronic banking. -n +akistan we are also investing
heavily towards this end.
-nternational ,rade0 <itibank@s single biggest strength is its global connectivity and
access. ,his advantage helps us in providing better service and faster turnaround to our
customers involved in international trade.
%omestic trade0 $eali>ing the importance of domestic trade and its re7uirements,
<itibank has structured innovative products to fulfil customer needs involved in local buy
M sell activities.
Following is a brief description of some of the generic trade products that we offer0
E5.ot"
%ifferent trade products offered for exporters are0
Bi$$ Ne(otiation: )ill ; document negotiation is for export letters of credit and ; or firm
contracts. (egotiation means to give value to the beneficiary for drafts 6drawn at sight8
and ; or documents, as distinct from merely examining M forwarding them to the issuing
bank.
A bank, which has not confirmed the credit, negotiates with recourse to the beneficiary in
the event of non.acceptance ; payment by the issuing bank, a confirming bank negotiates
without such recourse.
Bi$$ Di"co%ntin(: %iscounting is for usance bills called under &<@s. -t must contain a )ill
of "xchange 6%emand for payment, amount must be same as the commercial invoice
amount8 and the bill must be accepted by the drawee i.e. the issuing bank. ,he bill is
normally re.discountable locally to a discount house or another bank.
Po"t S1i.#ent Finance: +ost shipment finance is a variation of a demand loan with a
loan repayment linked to the maturity of the bills drawn against &<@ or contract. +ost
shipment finance is offered against sight as well as usance bills.
E5.ot Re2inance: "xport $efinance is a scheme under tate )ank of +akistan 6)+8 to
promote +akistani "xports. /nder this scheme, an exporter may avail finance from any
scheduled bank at a concessional rate.
I#.ot"
I""%ance o2 i#.ot LC@": -t is a firm undertaking issued by <itibank on behalf of its
customer ; importer in favor of the exporter ; seller outside the country. ,he issuing bank
is responsible for the payments to the buyer, provided the terms of the &<@s are fulfilled.
6&<@s in +akistan are subject to /<+ 2BB8
In)ad Co$$ection: -t is an option using which a <itibank +akistan customer ; importer
can import without opening a letter of credit. ,here are two types of collections
D 6 A: %ocuments against acceptance
D 6 P: %ocuments against payment
-t is a less costly and more efficient method of importing goods than through opening a
&<.
FD Fo)ad co!e 2o i#.ot" 6 e.at $oan": -t is a tool which importers use to hedge
against FL rate risk. ,hey book at today@s foreign exchange rate for an import deal
happening at a future time period. 69 months ; = months etc8
G%aantee"
A guarantee is issued by <itibank +akistan 6*uarantor8 on behalf and on re7uest of customer
6applicant8 in favor of a third party 6beneficiary8, for the fulfillment of certain defined
obligations by the applicant.
/sually <itibank issues the following types of guarantees0
Tende G%aantee" 7Bid &ond"8: ome tenders re7uire the bidders 6<itibank customers8
to furnish bank guarantees to prevent the bidder from withdrawal from the bid ; contract
if successful in the tender.
Pe2o#ance G%aantee": A performance guarantee, by <itibank on behalf of its
customers, assures the beneficiary of delivery of goods and services in accordance with
the terms and conditions of the contract.
Ad!ance Pa-#ent G%aantee": <itibank will guarantee that the advance payment by
the beneficiary to <itibank@s customers will be utili>ed for performance of the contract for
which the cash was advanced.
Financia$ G%aantee": Any guarantee provided by <itibank on behalf of the customer
for any financial re7uirements or deals can be broadly classified as financial guarantee.
O.en ended G%aantee": ,hese guarantees do not have an expiry date and a standard
liability clause and return clause 6&<M$<8.
Bac'9to9Bac' G%aantee": A guarantee issued by <itibank +akistan in favor of a
beneficiary based on a primary guarantee 6counter guarantee8 issued in favor of <itibank
by an overseas
Ind%"t- Fi"t
,he team has continuously been recogni>ed as being one of the best in the market and was
awarded the prestigious R1 "uromoney FL )ank in +akistan for 3B1B.
We are committed to delivering the best possible products and services and our success is
continually acknowledged through recognition such as "uroweek maga>ineEs award for best
bookrunner of Asian currency bonds and Finance Asia maga>ineEs award for )est <ash
Management )ank
Co.oate Dei!ati!e"
Po$$ 9 *++E
R1 <ross.<urrency
waps
R1 <urrency 'ptions
R1 <urrency Forwards
R1 <urrency %erivatives 6*4 ex.!en8
-slamic +roduct #ouse of the !ear
Ri"' Po$$ 9 *++F
"nergy $isk Manager of the !ear

A)ad" G *+,+
)est in <orporate
&iability Management
A)ad" G *++F
)est in %erivatives
A)ad" G *++<
)est +rovider of %erivative olutions

Be"t Ban'" A)ad" G
*++E
)est )ank for pot FL
)est )ank for
%ollar;!en
)est )ank for <redit.
&inked waps
Be"t Ban'" A)ad" G *++F
)est )ank for pot FL
)est )ank for <urrency 'ptions
)est )ank &A,AM <urrencies
)est )ank 'verall for FL
)est )ank for FL tructured
+roducts
)est )ank for %ollar;!en

FD Po$$ A$$ Pod%ct" G
*+,+
R1 <orporate Market
hare
R1 in <""M"A
R1 FL e.+latform Western "urope and
Africa
A)ad" 2o E5ce$$ence 9 *++F

)est at $isk
Management


Di(ita$ FD A)ad" G
*+,+
"ditorEs <hoice Award
)est FL +rime
)rokerage
Di(ita$ Ma'et" A)ad" G *+,+
)est ,rading and Matching
+latforms
)est Market %ata ervice

A)ad" G *+,+
)est )ank for $isk
Management
R1 in Middle "ast and
Africa
A)ad" G *++E
R1 Foreign )ank in "M"A
R1 tructured Finance #ouse of the
!ear

Po$$ o2 t1e Po$$" G *++=9
*++E
R1 <urrency K &ocal
<urrency +roducts
R1 <urrency K *9
<urrency +roducts
R1 tructured
<ommodity +roducts
R1 tructured <redit
+roducts
Co.oate S%!e- G *++E
R1 tructure #edging in *4 "x.!en
R1 !ield "nhancement in Asia ex.
Dapan
In!e"t#ent A)ad" G *++E
)est <ommodity %erivatives #ouse

REFERENCES:
http://www.citi.com/pakistan/consumer/customerserv/index.htm