merchant/commercial/corporate cards.

Commercial banking includes project finance , real estate, export finance, trade finance, factoring and leasing. The Pakista n Credit Rating Agency (PACRA) has maintained Soneri Banks credit rating at AA for the long term and A1+ for the short term and A+ for term finance certificates reflec ting its well maintained risk profile. In the recent economic recession Pakistans economy also faced certain jolts due to global slowdown coupled with high costs of imports, inflation and other such factors. But, despite all these hurdles, d ue to prudence in liquidity management, Soneri Bank has remained a net lender in the market and it has also maintained a comfortable level of advance to deposit ratio. Over the years Soneri Bank has been working in strict competitive bankin g environment of Pakistan and it has been making its ground among all giants. It is one of those banks in Pakistan which are equipped with latest banking techno logy. Finally, Soneri bank is a dynamic and aggressive institution with a busine ss philosophy to cater the banking requirements of Small and Medium sized entrep reneurs, having the capabilities to provide personalized services to customers w ith cutting edge technology and a wide range of products, and during the process to ensure maximum return on assets with the ultimate goal of serving the econom y and society. OVER VIEW

Soneri Bank Limited is one of the large commercial bank in Pakistan having branc hes all over the country. Its central office is situated at I.I Chundrigar Road, Karachi. It was formally incorporated on September 28, 1991 as a Public Limited Company with a registered office situated at Rupali House 241-242, Upper Mall S cheme, Anand Road, Lahore. The first branch commenced its operations in Lahore o n April 16, 1992, followed by the launch of Karachis first branch on May 09, 1992 . Its shares are quoted on all the stock exchanges in Pakistan. The bank is enga ged in banking services as described in the Banking Companies Ordinance of 1962. It currently operates 191 branches including 06 Islamic Banking branches, sprea d all over Pakistan including the Northern Areas of the country. The Feerasta fa mily, owners of Rupali group, holds a controlling stake in the bank. The bank offers a range of Corporate, Treasury, and Retail banking related pro ducts with emphasis on trade related services. Its key focus is on encouraging e xports and a major portion of advances portfolio, nearly 40%, is related to expo rt financing and credit decisions are taken within 48 hours. The bank enjoys a h igh quality low credit risk rating for its long term and short term debt issues, reflecting very good assets quality. In essence this reflects banks conservative stance and risk awareness, which is an undermining factor for future growth in an ever aggressive market place, and retaining relative standing amongst peers, amidst intense competition. The banks expansion policy is based on the principle of maintaining a balance between the urban and rural areas. Soneri bank takes pr ide in offering services even in the remote areas of Pakistan. Their fully air-c onditioned and computerized branches provide a pleasant, convenient and hassle f ree banking experience every time. The essence of its business philosophy is to cater the banking requirements of small and medium sized entrepreneurs, effectiv ely providing them qualitative and competitive services with emphasis on encoura ging exports. The Pakistan Credit Rating Agency (PACRA) has maintained Soneri Banks credit rati ng at AA for the long term and A1+ for the short term and A+ for term finance certifi ates reflecting its well maintained risk profile.

TOP LEVEL MANAGEMENT

NAME DESIGNATION Mr. Allauddin Feerasta CHAIRMAN Mr. Atif Bajwa C.E.O Mr. Nooruddin Feerasta DIRECTOR Mr. Inam Elahi DIRECTOR Mr. S. Ali Zafar DIRECTOR Mr. Abdul Hayee DIRECTOR Mr. Shahid Anwar (NIT Nominee) DIRECTOR Mr. Manzoor Ahmed ( NIT Nominee) DIRECTOR

BRANCH LEVEL MANAGEMENT (Chandni Chowk, Branch) AVP- Assistant Vice President OG-Officer Grade JO-Junior Officer PRODUCTS AND SERVICES Saving Accounts Profit and Loss Sharing (PLS) Account Soneri Saving Account Term Deposit Term Deposit Account Soneri Premium Deposit Diamond Deposit Certificates Current Account Basic Banking Account Ikhtiar Current Account Finance SME Finance Agriculture Finance Consumer Finance- Car, Ghar, Personal, Generator Finance Services Lockers SMS Alert Electronic Banking Online Banking