c

Muslim Commercial Bank Ltd


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MCB was founded by isphahami and Adamjee families in Calcutta in 1947.

innutrition of MCB was done by. Quaide azam an a private bank. It started
with a share capital of Rs 3 crore which is divided into 3 million ordinary
shares of Rs 100 each. Its registered head office was transferred to Dhaka
after Independence Day on 17 august, 1948. subsequently its registered
head office was moved from Dhaka to Karachi on 23 august 1957. when
Pakistan came into being, more branches were decided to be located in
means where jute was cultivated. So MCB had to borne a great loss at the
time of position of Pakistan in 1971. Then MCB was nationalized in 1974
when Bhutto govt decided to nationalized of 218 years, the performance of
MCB was badly affected by bureaucratic controls and excessive
unionization. During that time MCB was deprived of the chance of
becoming a uibrants financial institution most of the loans were advanced
on political basis and consequently it led to increase bidets and write off. In
1992 it was privatized and govt of Pakistan and transferred the mgt of bank
to nishat group (a group of hading industrialists) by selling 26% shanes.
Then in 1996 some more on a result 49% shanes had sold in total. After
that Mr. Mian M. mansha was having highest number of shomes.c
c

Mission Statement
To become the preferred provider of quality financial services in the country
profitability and responsibility and to be the best place to work. c


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current monogram and slogan truly reflected and expense its mission vision
and philosophy. c

Its current slogan is good banking getting even better.c

While its monogram defects 3 things c

1)cGreen colour of the monogram shows character of economy that is

the growing ad flourishing day by day. c

2)cAre of monogram shows Islamic style and approach.c

3)cFree shape of monogram is the symbol for safety and shelter. c

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MCB has no sihqe target market in the whole country. Its target market
varies in different cities in large cities like Karachi, Lahore, and Faisalabad
where there is more corporate dients. And in small cities where corporate
boniness in less then target is milividnal consumes. But in general MCB
putting a great emphasis on customer satisfaction never refuses or
overlook any of its emphasis.c
Market share

MCB has achieved the market share of 15-18% among 35 national banks
and is contumacy improving it.c

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MCB is leading all the national banks. Habib Bank and Allied Bank are its
compatriots which are still many steps behind MCB. They are contumely
trying to grasp the position of MCB but MCB has been successful every
time in proving it self best bank.c


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Cultural Changes Process In MCB

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u) The biggest infrastructurec

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business from one corner of the country to another corner of the country.c

Sponsorsc

The sponsors of MCB are the business instantiations. They develop the strategic
policies for the org because they have a broad vision that is why MCB progress day
offer day.c

Conservative in loaning c

MCB provides loans to comer trade and industry on marit basis. MCB has developed its
loaning policy which based only on realization of facts and figures of the borrowers. If
the borrower meets thee requirement and standards then the banks feels no hesitation
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Cost Conscious:c

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expenses, that is why after the privatization of bank the mgt decided to abolish some
regional offices and provincial head offices.c

Weaknesses
In the changing environment where MCB has some strength it has some weakness
also, some of the weak factors c

one Professional Staff

MCB keeps non-professional staff even on higher posts who are promoted from the
typist and clerical area after a long time.c

ationalization Effect

When MCB was nationalization by Bhutto¶s Govt¶s it was the gloomy period for MCB.
During that period, MCB suffered a lot.c

Govt. Influence

on-professional and bureaucratic people were placed at the top level mgt who knows
nothing about the banking and they damaged the repute of the bank in the markets a
well c

Lack of Dynamismc
When the person gets employment in the bank , he hardly leaves the bank. He gets
promotion to higher position and want to do some thing for bank, it is to late because
soon he ha to get retired. So lack at dynamism comes to his personality. He is no
further creative in his life. So increasing age of staff is one of the weakness of the bank
because banks needs young and creative person who have the ability to met the
changing response of the environment .c

Advances To on Productive Units

During the nationalized period, a lot of amounts are forward to non productive unit just
on political basis. The political influence of the Govt hundred the progress of MCB and
most of thee advances are still not recovered and none of them have been written off.c

External Environment
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MCB has greater profits, greater growth rate and market share than other commercial
bank.c

Privatization

After privatization the banks deposits has accelerated with tremendous speed because
it gave the opportunity to get rid of critical influence and to put the bank on professional
rootsc

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Private Banks

Like city bank, Grinblays, AB amroete are entering in the market with greater power
and strength in terms of brand name c

Govt. Policies
MCB faces a great threat from Govt policies like as finance the non-productive units,
housing etc. so the bank does not feel freedom in operating on its own view points, that
is a threat for the bank. Because bank is purely commercial so it should have an
autonomy to make its own decisions.c

Bank As Tax Collecting Egency

One of the major threat to banking industry as whole I wrong perception of the Govt,
about bankas tax collecting agents. So tax collection on the behalf of the Govt is the
way of hurdle in the efficiency of bank.c

Because it is evident that as the Govt, increases the tax on the rupee
traveler cheque.(RTC), the sale of cheques goes on decreasing. For
examples on the sale of RTC of RS-50000 bank charges only Rs. 20 a its
commission and govt changesRs-100 as thence, we come to conclusion
that bank as tax collecting agency hinders the bank on commercial
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Internal Environment
Strengthcc

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Is one of the strength of MCB over private banks .Due to this, it earns a
name in the market .c

u) The biggest infrastructurec

MCB has the biggest infrastructure among all the privates bank. So it is making
business from one corner of the country to another corner of the country.c

Sponsorsc

The sponsors of MCB are the business instantiations. They develop the strategic
policies for the org because they have a broad vision that is why MCB progress day
offer day.c

Conservative in loaning c

MCB provides loans to comer trade and industry on marit basis. MCB has developed its
loaning policy which based only on realization of facts and figures of the borrowers. If
the borrower meets thee requirement and standards then the banks feels no hesitation
for advancing loans to party.c

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Cost Conscious:c

Cost conscious in this sense that the mgt. Of MCB always try to reduce its extra
expenses, that is why after the privatization of bank the mgt decided to abolish some
regional offices and provincial head offices.c

c
 Weaknesses
In the changing environment where MCB has some strength it has some weakness
also, some of the weak factors c

one Professional Staff

MCB keeps non-professional staff even on higher posts who are promoted from the
typist and clerical area after a long time.c

ationalization Effect

When MCB was nationalization by Bhutto¶s Govt¶s it was the gloomy period for MCB.
During that period, MCB suffered a lot.c

Govt. Influence

on-professional and bureaucratic people were placed at the top level mgt who knows
nothing about the banking and they damaged the repute of the bank in the markets a
well c

Lack of Dynamismc

When the person gets employment in the bank , he hardly leaves the bank. He gets
promotion to higher position and want to do some thing for bank, it is to late because
soon he ha to get retired. So lack at dynamism comes to his personality. He is no
further creative in his life. So increasing age of staff is one of the weakness of the bank
because banks needs young and creative person who have the ability to met the
changing response of the environment .c

Advances To on Productive Units

During the nationalized period, a lot of amounts are forward to non productive unit just
on political basis. The political influence of the Govt hundred the progress of MCB and
most of thee advances are still not recovered and none of them have been written off.c
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External Environment
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MCB has greater profits, greater growth rate and market share than other commercial
bank.c

Privatization

After privatization the banks deposits has accelerated with tremendous speed because
it gave the opportunity to get rid of critical influence and to put the bank on professional
rootsc

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Private Banks

Like city bank, Grinblays, AB amroete are entering in the market with greater power
and strength in terms of brand name c

Govt. Policies

MCB faces a great threat from Govt policies like as finance the non-productive units,
housing etc. so the bank does not feel freedom in operating on its own view points, that
is a threat for the bank. Because bank is purely commercial so it should have an
autonomy to make its own decisions.c

Bank As Tax Collecting Egency

One of the major threat to banking industry as whole I wrong perception of the Govt,
about bankas tax collecting agents. So tax collection on the behalf of the Govt is the
way of hurdle in the efficiency of bank.c
Because it is evident that as the Govt, increases the tax on the rupee
traveler cheque.(RTC), the sale of cheques goes on decreasing. For
examples on the sale of RTC of RS-50000 bank charges only Rs. 20 a its
commission and govt changesRs-100 as thence, we come to conclusion
that bank as tax collecting agency hinders the bank on commercial
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By appropriately utilizing the techniques of intrinsic a extrinsic inactivation ,

MCB has become successful in achieving employees satisfaction .They are
more committed towards their institution a are more involved towards their
jobs. The major source of thedir satisfaction is the equal opportunity they
are having in order to fulfill their career aspirationsc
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