FAYSAL BANK LIMITED PREFACE Internship training program provide a chance to students to make them familiar with the

actual business environment. It also provides an opportunity to study the theories of books in practice. This is the reason why the student of University of Central Punjab (FOC) required tocomplete the internship program at any reputable institution/organization. After completinginternship it is required to write an internship report, covering all the aspects of thatorganization.This is report written on Faysal Bank Ltd, which is divided in to seven parts coveringall the aspect, working and behavior of organization.

ACKNOWLEDGMENT By the grace of ALLAH almighty, who has enabled me to do this entailing hard work. Itis a matter of pleasure and privilege for me to complete the internship and also to complete thisinternship report on Faysal Bank, Bedian Road Branch, Lahore Cantt.I would like to thank Prof. Azhar Ikram for giving us the opportunity for doing thisinternship. This work helped us to apply the theoretical concepts and learn the practical aspectsof a bank. I would also like to thank Ms Nosheen Talat for her valuable guidance and helpthroughout this period.I would like to thank Mr. Muhammad Malik Parvaz Awan Manager of Faysal Bank Bedian Road Branch who allowed me to work with their team. I am most humbly thankful toall the employees of Faysal Bank Beadian Road Branch and especially to these personalitiesMr. Rao Zahid Khalil (OM)Mr. Muhammad ShahbazMs. Zahida JavaidMs. Natasha YasminMr. Raja Aftab Iqbalfor their continuous support and precious time with me

B FAYSAL ANK LIMITED TABLE OF CONTENTS 1 Executive Summary 2 Introduction To FBL2.1 History 2.2 Group Information 2.3 Board of Directors 6 2.4 Management Information 7 3 Values3.1 Threshhold Values8 3.2 Differentiator Values9 4 Products4.1 Accounts10 4.2 Customer Loans14 4.3 Corporate Finance & Investment15 5 Services17 6 Branch Inner View18 7 Financial Analysis7.1 Current performance19 7.2 External Envoirment7.2.1 Social Envoirment19 7.2.2 Task Envoirment20 7.3 Three Years Financial Summery22 7.4 SWOT Analysis23 7.5 Performance7.5.1 Financial Objectives24 7.5. 2 Other Objectives2 Page # 4 5 5

8.major acitivities .1 Deparments of FBL 8.1.1 Account Opening Dep 8.1.2 Cash Deparment 8.1.3 Remittance Dep 8.1.4 Clearing Dep 8.1.5 Agri Dep 9 Conclusion 36 10 Recommendations37 11 Boblography38

31 32 33 34

FAYSAL BANK LIMITID Executive Summary Pakistan after getting its independence, did not inherit a strong banking industry and since then saw a number of events in the industry, like the nationalization of banks in the1970s. However today, the banking industry of Pakistan has been growing over the past few years, mainly because of the consistent policies implemented by the Government of Pakistan,including the privatization of banks in Pakistan. Also the State Bank of Pakistans, monetary policy has been very friendly toward the banking industry very friendly toward the banking industry.There are a number of different banks established in Pakistan, including local incorporated commercial banks, foreign incorporated commercial banks, development financial institutions, investment banks, housing finance companies, micro finance banks and Islamic banks.Faysal Bank Limited (FBL) started its operations in 995 as a local bank of Pakistan.On January 1, 2002, Al Faysal Investment Bank Limited, another group entity in Pakistan,merged into Faysal Bank Limited which resulted in a larger institution. The majority shareholding of Faysal Bank Limited is held by Ihtmaar Bank B.S.C an investment bank listed inBahrain, while it has one subsidiary i.e. Faysal Management Services (Pvt.) Limited (FMSL).The company is committed to its clients' best interests as well as preserving a good relationship by defining realistic objectives. Faysal Bank is continuously innovating, delivery creative and high-quality solutions which fit best its clients needs. past fewyears, mainly because of the consistent policies implemented by the Government of Pakistan,including the privatization of banks in Pakistan. Also the State Bank of Pakistans, monetary policy has been very friendly toward the banking industry.There are a number of different banks established in Pakistan, including local incorporated commercial banks, foreign incorporated commercial banks, development financial institutions, investment banks, housing finance companies, micro finance banks and Islamic banks.Faysal Bank Limited (FBL) started its operations in 1995 as a local bank of Pakistan.On January 1, 2002, Al Faysal Investment Bank Limited, another group entity in Pakistan,merged into Faysal Bank Limited which resulted in a larger institution. The majority shareholding of Faysal Bank Limited is held by Ihtmaar Bank B.S.C an investment bank listed in Bahrain, while it has one subsidiary i.e. Faysal Management Services (Pvt.) Limited (FMSL).The company is committed to its clients' best interests as well as preserving a good relationship by defining realistic objectives. Faysal Bank is continuously innovating, delivery reative and high-quality solutions which fit best its clients needs.It maintains a high ethical standards and unconditional compliance with regulations andlaws. It values its integrity and actively promotes the know your customer policy amongst Faysal employees to ensure that the company is not involved in any money laundry operation.Hiring and retaining the best people while respecting diversity, encouraging self improvement, recognizing and rewarding merit are the key values of Faysal Bank.

INTRODUCTI ON TO FAYSAL BANK Faysal Bank is a public limited company listed with Karachi Stock Exchange. Faysal bank Limited is subsidiary of Ithmaar Bank of Bahrain. 2 .1 History Faysal Bank started operations in Pakistan in 1987, first as a branch set-up of Faysal Islamic Bank of Bahrain and then in 1995 as a locally incorporated Pakistani bank under the present name of Faysal Bank Limited. On January 1, 2002, Al Faysal Investment Bank Limited, another group entity in Pakistan, merged into Faysal Bank Limited which resulted in alarger, stronger and much more versatile institution.Faysal Bank Limited is a full service banking institution offering consumer, corporateand investment banking facilities to its customers. The Bank's widespread and growing network of branches in the four provinces of the country and Azad Kashmir, together with its corporate offices in major cities, provides efficient services in an effective manner.The strength and stability of Faysal Bank Limited is evident through the Credit Rating assigned by JCR-VIS Credit Rating Company Limited of "AA" (Double A) for long to medium term and "A-1+" (A One Plus) for short term.The majority share holding of Faysal Bank Limited is held by Ithmaar Bank B.S.C an investment bank listed in Bahrain. 2 . 2 Group Information Ithmaar Bank B.S.C. is licensed by the Central Bank of Bahrain and listed on the Bahrain Stock Exchange (ITHMR). It has a paid-up capital of US$360 million, total equity of US$1.1 billion and is a full investment bank with its direct business covering the Middle Eastand North Africa (MENA) region, as well as South Asia, Asia-Pacific and Europe. Besides holding significant investments in the banking, financial services and real estate sectors indifferent markets, the main activities of the Bank include underwriting (equity and other financings), private equity (structuring, participation and portfolio management), Islamic financing, private banking, and advisory services covering project financing, investments, capital markets and mergers & acquisitions.

FAYSAL BANK LIMITED Vision Excellence in all that we do. Mission Achieve leadership in providing financial services in chosen markets through innovation. Ownership Ithmaar Bank B.S.C, an investment Bank in Bahrain is the ultimate holding company of Faysal Bank. The remaining shareholders comprise of general public, NIT and other Pakistani institutions.

From left to right

Board of Directors
Lt.Gen. Muhammad Maqbool (Retd)
Director

Hassan Mohammed Mahmood Hassan

Director

Graham Roderick Walker

Director

Syed Naseem Ahmad

Chairman

Naved A. Khan

President & CEO

Farooq Rahmatullah
Director

Mohamed A. R. Hussain
Director

Shahid Ahmad
Director

FAYSAL BANK LIMITED .4 Management Information

Management Team Naved A. Khan President & CEO Naved A. Khan has over twenty-three years of work experience with twenty years of broad-based and varied Corporate and Investment banking experience. Before joining Faysal Bank, Naved Khan was associated with ABN AMRO Bank, Pakistan as Chief Executive Officer with the primary responsibility of strategic management of the Banks local franchise and its key businesses. He has also been associated in senior management positions with Bank of America, Pakistan. Naved Khan has international work experience with General Electric / RCA in USA in the companys Pacific Rim operations and holds an MBA from Butler University, School of Business, Indianapolis, USA. He is currently Chairman of ECH Task Force State Bank of Pakistan, Board Member of Rotary Club of Karachi Metropolitan, Board Member on Export Processing Zones Authority, Board Member at the Virtual University of Pakistan, Chairman Academic Board IBP, Director Karachi Shipyard and Engineering works and Board Member of Pakistan Stone Developing Company. Nauman Ansari Head Corporate & Investment Banking Nauman Ansari has 15 years of rich credit, corporate and investment banking experience having been associated with Standard Chartered Bank-Karachi, Bank of America-Karachi, ABN Amro (in Pakistan, Middle East and Asia Pacific regions), Fortis Bank in Middle East and Crescent Commercial Bank in Pakistan. Nauman Ansari holds a Bachelors of Science degree in business studies from USA. Aarij Ali Head Retail Banking

Aarij Ali has over 25 years of banking experience in various capacities within Retail, Consumer, Corporate and Operations areas. He has also handled business support projects related to HRD, Technology and Strategy Development. He holds an MBA Degree from IBA, Karachi. Prior to joining Faysal Bank, Aarij has been associated with ANZ Grindlays, MCB Bank and Saudi Pak Commercial Bank. Salman Ahmed Usmani Head Treasury Salman Ahmed Usmani has extensive experience of over 22 years in both the multinational and local banking sector with expertise in Treasury and Risk Management, Asset and Liability Management, Strategic Planning, Corporate Restructuring, Strategic Negotiations, Acquisitions and Strategic Alliances and International Operations. Prior to joining Faysal Bank Limited, he was associated with MCB Bank Limited as Global Treasurer and Head Investment Banking Group. His past experience has been with organizations like ANZ Grindlays, American Express, Bank of America, Mashreq Bank, and United Bank Limited. Mehreen Amin Head Human Resources Mehreen Amin possesses over 26 years of work experience, in the areas of IT and HR. She has been professionally associated in senior positions with leading multinationals i.e. G. D. Searle, U.K., Shell Pakistan and Reckitt Benckiser where she was the HR Regional Director for the Africa Middle East region. In her last assignment at ABN AMRO Bank Pakistan Limited she was the Head of Human Resources. She is the Member of the Board of Governors of Pakistan Society for Training & Development. Nasir Islam Head Compliance Nasir Islam is a qualified Chartered Accountant with over 18 years of multifaceted experience. His first assignment was as Manager Finance in ANZ Grindlays in Karachi from where he was posted at the ANZ HO in Melbourne, Australia as Manager Commercial Banking System (CBS) Project. He returned to Pakistan in 1997 as Manager Audit and in 2000 joined ABN Amro Bank as Audit Manager, and in 2004, he was appointed as Country Head of Compliance. Bashir A. Shaikh Head Special Asset Management Bashir Ahmed Sheikh possesses over 39 years of core banking experience. He has handled Regional Head Punjab positions at both Faysal Bank and at Al Faysal Investment Bank Limited. He is a seasoned banker and started his career at United Bank Ltd. Has held senior positions at BCCI (Overseas) Limited, Indus Bank Limited and Askari Commercial Bank Limited. He has a Graduate Degree (Economic and Political Science) from University of Punjab, Lahore and has attended Executive Development Program at Johnson Graduate School of Management at Cornell University NY, USA. Syed Majid Ali Chief Financial Officer Syed Majid Ali is a Fellow member of the Institute of Chartered Accountants. He has over 18 years of

diversified experience, progressively responsible in the accounts and finance disciplines of banking with exposure in IT and HR activities. He has been associated with Emirates Bank International as CFO, KPMG as Partner and Saudi Pak Commercial Bank as CFO. Zafar Baig Head Strategic Development Zafar Baig is the Head of Strategic Development and Planning for Faysal Bank. He has been associated with ABN AMRO / RBS since 1996 holding a CFO position and has diversified experience in activities across all Finance functions including Asset & Liability Management, Taxation and Management Information with exposure in business planning, M&A and Integration activities. Prior to joining the bank in 1996, he was associated with HSBC Pakistan. He brings with him over 15 years of experience in banking industry. Suhail Khan Chief Risk Officer Suhail is currently the Chief Risk Officer / Head of Risk Management Group at Faysal Bank Limited. He is responsible for identifying, measuring and managing the overall credit and enterprise-wide risks of the Bank. Prior to joining Faysal Bank Limited, Suhail was responsible for UK institutional Sales as an Executive Director with Fortis Investments. He started his banking career with ABN AMRO Pakistan in 1996 as a Corporate Relationship Manager and then led a team in the Credit Portfolio Management function of the Bank. In 2002, he moved to ABN AMRO UK where he served as the Global Business Manager for Investment Banking (Energy & Resources sector) and Asset Management franchises. He brings with him over 14 years of diversified experience in financial services, both in local and foreign markets. Suhail is an MBA in Finance from IBA (Karachi) and a Chartered Financial Analyst (CFA).

Senior Management Enamullah Khan Head of Equity & Capital MarketsIrfan A. Khan Head of Investment BankingYousuf H ussain Head of Corporate Banking (North)Khaqan Khan Head of Corporate Banking (South) Naved Inaye t Head of Cash Management & Financial InstitutionsFarah Naz Head of Consumer FinanceAli Raza Head of Agri FinanceSiraj Ali Mithani Head of Commercial (South)Anwar Ahmed Meenai Acting Head of Isl amic BankingIqbal Ahmed Zuberi Head of Policies & ProceduresMuhammad Abadullah Head of Centrali zed OperationsSyed Kausar Nadeem Head of Treausry & Equity Capital Markets Back OfficeSyed Nadee m Ahmed Head of Credit AdministrationAwais Maqsood Head of General ServicesAnwer Umed Ali Hea d of Information TechnologySamih H. Khan Head of Payment Solutions & Product DevelopmentSeemin Shafi Head of Corporate CommunicationsZafar Bashir Head of Service QualityArif Hasan Khan Head of Fraud Investigation UnitSyed Kazim Raza Head of Branch Distribution (South

FAYSAL BANK LIMITED

VALUES 3.1 Threshold Values Values at the heart of our Brand 1: Team Work We function as a team. Within function, we cooperate. Between functions, we collaborate. Together, we aim for excellence and leadership inour chosen markets. Our Team : Our Asset 2: Respect We hold our customers, Investors and regulators in high esteem.We up hold our customer rights to demand effient services. We appreciate and respect our profession and above all our bank Our Respect : Our duty 3:Integrity We are recognized by our realibity, credibility and character.We believe in ethical, honorable, timeproven principles of up rightness.We stand for and abide by honesty, truth and transparency OurIntegrity : OurIdentity 4: Professionalism We are proficient and efficient in all that we do.We provide banking services, knowledgeably and skillful. We up hold regulalatory obligations. Our professionalism : Our Competence

FAYSAL BANK LIMITED 3.2 Differentiator Values Values that set our brand apart 5: Passion We bring zeal and enthusiasm for banking to work.We are excited to provide customers with the best or the best suited.We go the extra mile in legitimate, acceptable ways. Our Passion : Our Worth 6:Innovation We pioneer novel and more efficient ways to deliver solution.We are dedicated to a culture of improvement and modernization.We stand for originality, in thought in action and in belief. Our Innovation : Our strength 7: Responsiveness We are receptine to the need for change and improment.We are proactive and anticipate our customers needs and wants.We act quickly to modify, adjust or prepare for new realities. Our responsiveness : Our Distinguisher 8: Compassion Our concern for our colleagues, our customers, communities and our country sets usapart.To each other, we are a family.For each other, we are a meaningful source of shared humanity. Our Compassion : Our Gif

Deposit product
Our progressive approach to banking is reflected in our range of deposit products. We offer our customers innovation, accessibility, quality and convenience. Our diverse deposit suite caters to individual and corporate banking needs. From basic banking accounts to high value investment products, you can choose one that is best suited to your needs.

Faysal suhatal bank Faysal Sahulat Current Account addresses your need for instant access to your account from any branch of Faysal Bank nationwide. There is no limit on the number of transactions you can make. Product Features & Benefits

Minimum balance of Rs. 5,000/- is required On maintaining monthly average balance of Rs. 500,000/- or more, following facilities are provided free of charge Cheque Book (up to 100 leaves per year) Pay Orders (up to 5 per month) Monthly Account Statement

You also have free access to your account through online banking at all Faysal Bank branches nationwide Easy access to your account through cheque book and Pocket mate Visa Debit Card. Pocketmate can be used globally at more than a million ATMs and over 28 million point of sale (POS) terminals. Service charges apply as per the Banks prevailing Schedule of Charges

: Basic Banking Account As per SBP prudential communicated via BPD circular No.30, Faysal Bank has introduced the Basic Banking Account (BBA) to cater the needs of low income groups having the following features. Features

Account can be opened with Rs. 1000/. No requirement for maintaining a minimum balance Maximum of two free deposits and withdrawals through counters/clearing areallowed in a month. Unlimited transaction facility through ATMs.

Free of charge statement of account for customers once a year. In case morestatements are required than standard charges would be applicable. Free ATM transactions on Faysal Bank ATM machines. However charges wouldapply on non Faysal Bank ATM machines as per SOC. 4: Rozana Munafa Plus Account Rozana Munafa Plus is a savings account in which profit is calculated on day end balance, and is disbursed on a monthly basis. It provides customer with the option of a highvalue, monthly profit account. Features Account opening and minimum balance requirement of Rs. 100,000 for individualcustomers and Rs. 500,000 for corporate customers. Profit is calculated on daily balance basis. Profit is disbursed on monthly basis. Access to account through online banking at all Faysal Bank branches countrywide. Easy access through cheque book and Pocketmate Visa Debit card. Pocketmate can be used at more than a million ATMs and 29million point of sale (POS) terminalsaround the world. 5: Faysal Muavin Faysal Moavin is a Savings account made for genuine individual savers like you. FaysalMoavin offers the perfect combination of savings account matched with the flexibility of acurrent account. Features

Account can be opened with an initial deposit of Rs. 20,000/ No restriction on the number of transactions. Profit is calculated on daily balance basis. Profit is paid on monthly basis.

FAYSAL BANK LIMITED Tiered profit structure providing an incentive to save more. Access to account through on-line banking at all Faysal Bank branches across the country. Easy access through cheque book and Pocket mate Visa Debit card. Pocket mate can be used at more than a million ATMs and 29million point of sale (POS) terminals around the world.

6: Faysal Premium Faysal Premium is a savings account specially designed for high value deposits with attractive profit rates having the following features. Features

Account can be opened with an initial deposit of Rs. 5 million Profit is calculated on daily balance basis. Profit is paid on monthly basis. Access to account through on-line banking at all Faysal Bank branches across Pakistan. Easy access through cheque book and Pocket mate Visa Debit card. Pocket mate can be used at more than a million ATMs and 29million point of sale (POS) terminals around the world.

7: Faysal Izafa At Faysal Bank we realize that every customer's financial needs are different. As aresult, the Fysal Izafa Term Deposit is designed to provide individuals and corporate customers an opportunity to grow their money securely and earn attractive profits. Features Minimum required investment as low as Rs. 25,000/. Tenure from one year to five years. Annual, six monthly and monthly profit payment option available. Financing facility of up to90% of the invested amount. First cheque book is provided free on investment of Rs. 300,000/ or more. Access to profit through online banking at all Faysal Bank branches and more than3,000 ATMs countrywide. 8: Mahfoz Sarmaya Faysal Bank endeavors to build and strengthen customer relationships by providing innovative banking products and services. To provide convenience and value to customers with foreign currency related needs, Faysal Bank's Mahfooz Sarmaya foreign currency account offers attractive feature.

FAYSAL BANK LIMITED Features o o o Account can be opened in three major international currencies: US Dollars, PoundSterling and Euro. Account can Minimum balance for opening Mahfooz Sarmaya is 1000 units of the currency inwhich the account is opened. be opened in any of the following types: Savings Account Term Deposit Account Current Account With Mahfooz Sarmaya Account, you become eligible for Pak Rupee financingfacility of up to 75 percent of the deposit in your account at very competitivefinancing rate.

With Mahfooz Sarmaya Account, you automatically qualify for special rates for car and home financing. 9: FCY Saving Plus FCY Saving Plus is a new foreign currency savings account with attractive profit rateswhere customers get their profit on a monthly basis. Features o o o o Account can be opened in US Dollars, Pound Sterling and Euro currency. Minimum balance for opening FCY Saving Plus is 500 units of the currency inwhich the account is opened. Profit is calculated on monthly average balance. Profit is disbursed on monthly basis. Tiered profit structure providing an incentive to save more. No FCY cash deposit charges* On maintaining the monthly average balance equivalent to USD 50k or above, the following additional facilities are provided. Free online banking* Priority Banking* Borrowing in PKR upto90% of FCY* Preferential rates on consumer finance

FAYSAL BANK LIMITED 4.2 CUSTOMER LOANS 1: Faysal Car FinanceFeatures Vehicle Type: Locally manufactured Lease Term: up to 5 Years Markup Rate: Variable (12Mths Kibor+5% - Annually revised) Equity: Minimum 20% 2: Faysal Housing FinanceFeatures Buying a new Home 1 Building a new Home 2 Buy a Land plus construction 3 Remodeling or Renovation of Existing home 4MinimumFinancing:Rs.500,000/- or maximum 70% of the property value (50% in renovation)RepaymentPeriod:1 year to 20 yearsMarkup Rate: Variable (12Mths Kibor+5% - Annually revised)Repayment: Equal monthly installmentDisbursement: In single tranche 1In tranches against approved amount 2In tranches against approved amount, first tranche will not be more than 50%of the sanctioned facility limit or 50% of land value whichever is lower 3In pre-agreed installment against approved amount 4 3 : Faysal FinanceFeatures MaximumFinancing:Rs.500,000/- (up to Rs.1M in secured cases residential property)Repayment: Equal monthly installmentRepaymentPeriod:3 Months to 60 MonthsMarkup Rate: Fixed (Variable in secured cases)Residency: Pakistani / NRPs

FAYSAL BANK LIMITED ~ 15 ~ Collateral: Liquid / Residential PropertyFinancing Margin: 9 0% & 70% (for Liquid / Residential Property)Income Clubbing: Facility of clubbing of spouse income is available 4. 3 CORPORATE F I NANCE AND I NVESTMENT Corporate Financing Faysal Bank Limited is fully geared to meet the changing economic challenges presentin Pakistan. We are ever striving to build meaningful relationships with our customers and become partners in their growth and progress by acting as financial advisors and consultants aswell as financiers. Our Corporate Finance Group extends both short and long term financingfacilities designed to fulfill the individual need of each corporate customer. SME Finance Small and Medium Enterprise (SME) unit of the Bank is geared towards catering to the banking requirements of small to medium businesses in a timely and therefore cost effectivemanner. All the branches of Faysal Bank are equipped to speedily attend incoming financingrequests from SMEs. We help our customers grow from strength to strength by acting as their bankers and financial advisors. Trade Financing Faysal Bank has established a strong presence globally in Trade Financing through itsnetwork, affiliates and correspondents. The Bank has conveniently maintained relationshipswith major banks in the international financial market and continues to develop new oneswherever needed. Our Trade Finance services include a full range of import, export andguarantee products, thus offering tailor-made solution to fit the individual need of eachcustomer. Treasury & Capital Market Faysal Bank's Treasury is one of the leading market makers in quoting competitive prices in all major currencies and provides dynamic corporate and institutional marketing teamswith up-to-date market information. Our cutting edge is the in-time advice and execution of deals for our customers.Faysal Bank's treasury team strives to satisfy the customer's financial needs in a timelyand a flawless manner. Faysal Bank has earned immaculate reputation in the field of CapitalMarkets, which is quite evident from our track record and market share in this area.

FAYSAL BANK LIMITED ~ 16 ~ I nvestment Banking With the ever-changing business environment in Pakistan, companies need expert partners with a keen understanding of business to help achieve profit objectives. At FaysalBank, we offer the leaders of businesses and institutions, corporate advisory services and awide array of tools to help them accomplish their goals. We advise and facilitate thearrangement of commercial paper, syndications, mergers, acquisitions and underwritingarrangements amongst many others. Whether the customers require financing of a project or managing of investments, we can guide them through the markets and tailor a solution to meettheir specific needs. Cash Management Faysal Bank's Cash Management department has emerged as one of the leading cashmanagement solution providers in strategic markets such as local corporate, multi-nationalcompanies, and mid-tier markets. Faysal Bank's role in these segments span the entire spectrumof services including but not limited to Strategic Receivables/Payables Management, CorporateElectronic Banking, Payroll and Fund Management Services, Dividend Processing, and ProcessRe-engineering. Success of Cash Management services is primarily attributable to its focus on providing streamlined and customized solution that add value to business process of its clients. Agricultural Financing Faysal Bank offer specialized products for the agricultural sector. All of our brancheslocated in agricultural areas of Pakistan are equipped to help the local farmers improve their yield and methods of farming by offering timely and affordable modes of financing to suit their needs.To increase its outreach into agricultural regions of Pakistan, Faysal Bank has entered intostrategic partnership with the specialized entities engaged in the Agro related sup-plies &