Evolution Evolution

Transcription

Evolution Evolution

The Art of
Evolution
NOVEMBER 2015
Soneri Roshni, Published by Marketing Department, COK, Karachi. Email us your feedback/comments at: connect@soneribank.com
2015
24/7 Phone Banking: 021-111-SONERI (766374)
Over 240 branches & 262 ATMs www.soneribank.com
SoneriBankPK
@SoneriBank_Pk
The Art of
Evolution
06
Fulfilling Promises
Soneri Mehnat Wasool
in the year 2015
19
Turning Miles into Smiles
Soneri Car Finance Launch
26
Sonerians Celebrate
Independence Day
37
Enabling The Future:
Soneri Graduate
Training Program
04
03
A Numbers Game
Sub-Editor’s Note
05
06
19
22
21
26
Sonerians Celebrate Independence Day
24
35
38
41
46
45
48
49
Enlightening Lives with Easy Banking
47
50
57
56
Digital Matters
Soneri Winnings at Jeeto Pakistan
A Helping Hand for the Youth - Prime Minister’s Youth Business Loan Scheme
Setting a Footprint in Golf
Keeping Up with the Soneri High Moral Standards Code
44
The 2nd Term Finance Certificates Listed at Karachi Stock Exchange
Lighting the Path to Mobile Banking
40
Soneri Meets C-Square
37
PTCL & Soneri Bank IT Department Signing Ceremony
43
Celebrating Summers: Mango Fiesta 2015
The Soneri Sportsmanship
39
Latest in Technology
Revolutionizing Banking through Technology
Iftar in the Name of Mustaqeem
Enabling The Future: Soneri Graduate Training Program
Credit Administration Department - The Milestone
34
Risk Minds Asia 2015
18
Contingency – Soneri Bank’s Business Continuity Plan (BCP)
Flying Colors - Deposit Mobilization 2015 Campaign Results
In Focus: Soneri Car Finance
Turning Miles into Smiles - Soneri Car Finance Launch
New Branch Brightens Soneri’s Presence in Lahore
Fulfilling Promises - Soneri Mehnat Wasool in the year 2015
Editor’s Note
55
Editor’s Note
Dear Sonerians,
The year of 2015 has almost come to a close, with the announcement of our
third quarter profit results of Rs.2,622.22 million before tax and profit after tax of
Rs.1,589.87 million for the nine months period ended 30 September 2015. As we
have reached our last Soneri Roshni edition for the year, I am proud to reckon 2015
as another successful year for Soneri Bank. Our non-clichéd and unconventional
approach grows stronger and continues to propel the bank’s brand image across all
marketing spectrums. Our employees grow in their dedication and commitment which is
evident in the internal productivity campaigns.
Our business is on a continuing growth curve with a significant progress in the Car Finance portfolio. Soneri Car Finance
has shown a 51% growth from December 2014 till August 2015 taking into account the tremendous 2nd Quarter
performance that peaked at Rs.364.45 million in sales. The impact of our recent supportive Campaign launch of Car
finance in September is yet to reap results as it’s the first time we are creating our market awareness in consumer finance.
Marketing campaigns continue to be effective and on strategy raising Soneri Bank’s brand image which has resulted in
invaluable customer engagement and top-of-the-mind brand recall. Soneri Mehnat Wasool launched Remittance 360 ATL
campaigns consistently in the year capitalizing on Ramadan, Eid-ul-Fitr and Eid-ul-Adha. Soneri Mehnat Wasool maintained
a healthy business performance increase in monthly transactions with an incremental 30% growth from 2014 till today. The
launch of Soneri Asaan Account reinforced our brand positioning of Roshan Har Qadam & clutter-breaking communication
targeting our untapped market.
This edition also covers the festivities of Independence Day that was carried out across the Soneri network whole heartedly.
Soneri Bank congratulates and appreciates all the Sonerians who competed and celebrated with zeal and enthusiasm –
reiterating the bank’s spirit and commitment to the nation’s unity and prosperity.
Our digital pathway is consistently capturing the youth audience on all social media platforms to build our brand equity as a
future banking customer. We are proud to announce that we trended on 2nd rank for hashtag# sonehrapakistan and have
now strategized to sustain our presence on ground activities for further engagement. As per our department’s strategy we
have carved a separate unit to sustain our digital presence and have also introduced Corporate Communications, keeping
the staff informed of all our ongoing activities from campaigns to public relation activities.
Our aim is the pursuit of excellence, setting new benchmarks and staying true to our distinguished approach towards
business communication.
Roshan Har Qadam
Best regards,
Fariya Zaeem
Head of Marketing
03
Soneri Roshni November 2015
02
Technological advancements continue to take place; collaborations with several top-of-the-line technological organizations
have taken place this year to plummet the bank’s technological capacities. Organizations such as Inov8 and C-Square
Consulting have been brought on board to upgrade mobile banking and centralized service systems. Soneri Bank has also
partnered with PTCL for embarking upon hosting the IT Data Centre Infrastructure for enhanced security and sustainability.
Our management division has also carried out proactive measures pertaining to risk - curtailing setbacks at the face of
contingencies that effect data, infrastructure and technology areas.
A Numbers
Game
Soneri Bank announces
Third Quarter 2015 Results
Marketing Manager
Anwar Hussain
Soneri Bank Limited posted profit before tax of Rs.2,622.22
million and profit after tax of Rs.1,589.87 million for the nine
months period ended 30 September 2015. In terms of
growth PBT is up 49.86 percent and PAT by 41.92 percent
over corresponding period last year. The Board in its 146th
meeting held on 20 October 2015, approved the Bank’s
third quarter financial statements. On this occasion the
Chairman, Mr. Alauddin Feerasta appreciated the Bank’s
continued strong performance during the third quarter and
expressed satisfaction with results.
Marketing Services Manager
Sub-Editor’s
Note
Dear Readers,
04
2015 has been a year of product marketing, Soneri Mehnat
Wasool, Soneri Car Finance and Soneri Asaan Account have
all been rewardingly launched across the country,
contributing to a stronger brand equity and top-of-the-mind
brand recall. In this edition I have received good response
from the overall bank staff in contributing articles for the
newsletter. I would like to thank the IT Department, Risk
Management Division, Car Finance, Remittances and the
HR department for their contribution. Furthermore, the
response we have witnessed on the Independence Day was
heartening. Everyone celebrated with great enthusiasm,
specifically the staff efforts in making Pakistan’s flags and
decorating their departments have depicted the patriotism
we share as one nation. We also launched a contest on 14th
August on social platforms named #SonehraPakistan which
generated a high frequency of fan engagement.
We Sonerians are the brand custodians of SBL and only our
combined efforts can leverage the brand for the benefit of
our customers and ourselves. I would like to thank
everyone’s contribution and anticipate a better response in
the next edition, the very first edition for the year 2016.
Abid Saleem
Digital Marketing Officer
The Team
Behind Soneri Roshni
Marketing Team - Soneri Bank
Editor: Fariya Zaeem (Head of Marketing)
Sub Editor: Shazia Lalani (Marketing Manager)
Printing: Anwar Hussain (Marketing Services Manager)
Abid Saleem (Digital Marketing Officer)
Creative Team - Adcom
Executive Creative Director: Awais Iqbal Dhakan
Creative Director: Mahrukh Shaikh
Creative Manager: Saleha Mir
Associate Creative Manager: Bilal Alvi
Content Manager: Suhaib A. Serai
Art Director: Fasahat Ali Khan
Visualization & Design: Muhammad Rizwan
Client Service Director: Faraz Akhtar Laghari
Shazia Lalani
Marketing Manager
Design Talks
Soneri Roshni November Edition 2015
This edition’s theme is based on the evolution of our banking industry,
which is the result of our progression in overall banking systems through
constant innovations within product and service portfolios.
We exhibit this progression with linear art as our design tool.
A dynamic layout exudes a sense of transcendence with
banking related icons and directional arrows that
represent growth and future aspirations.
The key drivers of higher net earnings were primarily
revenue growth and managed expenses. Bank’s revenue
increased by 22.86 percent to Rs.8.06 billion, from last
year’s figure of Rs.6.56 billion whereas expenses increased
just by 6.48 percent. Bank’s net assets amounted to
Rs.18.07 billion as at 30 September 2015, being 6.04
percent higher than December 2014 base of Rs.17.04
billion. Deposits grew by 7.88 percent during the nine
months closing at Rs.176.11 billion (December 2014:
Rs.163.25 billion) and net advances down by 5.27 percent
to Rs.100.49 billion (December 2014: Rs.106.08 billion) due
to seasonal factors. The Bank continues to follow a prudent
policy for making provisions for the infected loan portfolio in
line with regulatory requirements.
Soneri Bank has a unique market position in trade-finance
and transactions banking services and boasts a loyal and
satisfied client-base in all its 249 branches all over the
country. The Bank is committed to meet the increasing
expectations of its customers and continue to provide them
par-excellence services, for which the Bank has been
investing prudently in information technology, human
resources, marketing and infrastructure.
05
Shazia Lalani
Fulfilling
Promises
in the year 2015
Spreading the Joy in
Eid-ul-Fitr
Soneri Bank has been making a positive and significant
contribution to the Home Remittance business segment
since its initiation in 2012. It has signed with several
international remitting organizations such as MoneyGram,
Wallstreet Finance (Canada), Golden Money Transfer
(USA), Al Falah Exchange (UAE), Alpine Exchange (USA)
and its recent major breakthrough with Al Ansari Exchange
(UAE) and Ria Money Transfer (UK) – one of the world’s top
remitting company. The brand name, “Soneri Mehnat
Wasool Remittance” has been promoted through
campaigns that standout in terms of unique content and
communication strategy, solidifying a prominent footprint
for Soneri Bank in the remittance segment.
The Mehnat Wasool Eid-ul-Fitr campaign beautifully
captured the spirit of the transition from Ramadan to Eid
throughout which families prepare for the festivities of Eid.
The communication tied moments and sentiments that are
relevant to families whose loved ones (breadwinners)
remain far away at work during such festivities. Soneri
Mehnat Wasool exceptionally bridges this gap in its
communication. The Eid-ul-Fitr campaign covered a 360
degree spectrum with a TVC, radio spots, OOH, digital and
print advertisements.
This year, Soneri Mehnat Wasool continues to make waves
with campaigns for both Eid occasions (Eid-ul-Fitr and
Eid-ul-Adha). Both campaigns intelligently highlight the
target audience by emotionally tying them to the product
offering with real-life scenarios – a result from thorough
insight probing and commitment towards novelty.
06
Behind the Scene Moments
on the sets during the Soneri Remittance TVC Shoot.
07
08
09
11
10
12
13
Preserving the Spirit of
Eid-ul-Adha
The Eid-ul-Adha campaign was another heartwarming
communication that portrayed the essence of the occasion
by celebrating the joy and satisfaction of fulfilling the
religious obligation of Eid-ul-Adha – something that
becomes unmanageable for families whose sole
breadwinners work abroad.
The communication smartly highlights the product’s USP of
instant money transfer as a rewarding solution. The media
plan for the Mehnat Wasool’s Eid-ul-Adha campaign
strategically covered large scale print and prime-time radio
mediums.
15
14
Mehnat Wasool
Product Performance 2015
6000
Soneri Mehnat Wasool has evidently maintained a healthy
business performance, sustaining a high monthly average
of transactions nationwide. A remarkable spike in
transactions can be seen in the months of June and July,
during the fruitful World Cup Hungama campaign.
4,389
5000
4000
3,945
3,746
Jan
Feb
4,702
4,946
4,312
3,941
2000
1000
0
Mar
Apr
May
Jun
Aug
Amjad Yaqoob Kayani (Acting)
81%
18
Total Branches
16
15
Last Month Zero
Payment
Branches
10
YTD Zero
Payment
Branches
5
2
1
0
Muhammad Asad Khan
Sajjad Arshad Butt
0
0
Amjad Yaqoob Kayani
(Acting)
Central - II Transaction Split
1
0
Muhammad Asad Khan
Sajjad Arshad Butt
Active vs Unproductive Branches
Gul Hasnain
24%
20
18
A total of 72 branches won the prize amount by the
qualifying minimum transactions criteria. All monetary
incentives have been credited to the relevant staff’s
accounts.
Winners of World Cup Hungama Competition
Qualification Criteria for Rewards
Total Branches
Grand Total
Main Branch Wazirabad
725
Sambrial Branch Distt. Sialkot
722
Muslim Town Branch Rawalpindi
537
Shahdra Branch Lahore
459
Jaranwala Branch Distt. Faisalabad
441
Chandni Chowk Branch Rawalpindi
441
Mardan Branch Distt. Mardan
351
Ghakkar Mandi Branch Distt. Gujranwala
313
Godhpur Branch
258
Akber Chowk Branch Lahore
254
No. of Transactions Max. Amount (PKR)
50
1,500
51-99
3,200
2000 + PKR 25 on every
transaction beyond 51
100
3,500
101-199
6,450
200
7,000
201-399
13,440
400
14,000
401-699
25,430
700
26,000
701-999
38,920
1000
50,000
14
15
13
Last Month Zero
Payment
Branches
10
Azizullah Abid
40%
The Soneri Mehnat Wasool World Cup Hungama 2015 was
a 3-month campaign launched in February. The campaign
capitalized on the World Cup season offering incentives for
participating customers and employees upon MoneyGram
remittances through Soneri Bank branches.
Branch Name
19
20
Sajid Aziz
36%
Jul
Sajjad Arshad Butt 9%
Amjad Yaqoob Kayani (Acting)
5,135
3000
Central - I Transaction Split
Muhammad Asad Khan
10%
Mehnat Wasool
World Cup Hungama 2015 Results
Monthly Performance 2015
5
2
0
Gul Hasnain
Sajid Aziz
0
Gul Hasnain
Azizullah Abid
North Transaction Split
Syed Jehangir Ahmed
22%
0
0
0
20
18
5
1
0
Syed Jehangir Ahmed
1
1
Fakhar Zaman Khan
South - I Transaction Split
Farhan Hassan
36%
Corporate
0%
Syed Naveed Abbas
(Officiating)
35%
Nasrullah Khan
Zain ul Abydeen
Farhan Hassan
18
16
14
12
10
8
6
4
2
0
Syed Naveed Abbas
17
Zia Ur Rehman
(Mardan Branch, Mardan)
Total Branches
Muhammad Waseem Toor
(Ghakkar Mandi Branch, Gujranwala)
Syed Fiaz Hussain Naqvi
(Godhpur Branch)
0 0
Syed Jehangir Ahmed
Imran Nasir
17
Khaleeq-ur-Rehman
9%
Pervaiz Ahmed Panhwar
91%
17
Last Month Zero
Payment
Branches
9
2
3
2
0
Farhan
Hassan
0
Syed Naveed
Abbas
(Offciating)
South - II Transaction Split
1
0 0
Corporate
1
1
1
Nasrullah
Khan
Zain Ul
Abydeen
Khandwani
20
15
19
Total Branches
Last Month Zero
Payment
Branches
13
8
6
5
2
0
Khaleeq-ur-Rehman
YTD Zero
Payment
Branches
10
Usman Anwer
(Jaranwala Branch, Faisalabad)
Zain ul Abydeen Khandwani
16%
Corporate
Shahzad Aslam
(Shahdara Branch, Lahore)
Last Month Zero
Payment
Branches
2
Nasrullah Khan
13%
YTD Zero
Payment
Branches
14
10
Imran Nasir
56%
16
3rd Position
Naveed Iqbal
(Muslim Town Branch, Rawalpindi)
Total Branches
17
15
Fakhar Zaman Khan
2nd Position
Malik Adnan
(Sambrial Branch, Distt. Sialkot)
Fakhar Zaman Khan
22%
Imran Nasir
1st Position
Shahzad Hussain Awan
(Main Branch, Wazirabad)
Sajid Aziz
Khaleeq-ur-Rehman
2
YTD Zero
Payment
Branches
17
Azizullah Abid
1
New Branch Brightens
Soneri’s Presence In Lahore
Turning Miles
into Smiles
Soneri Bank recently commenced operations at its newly
built Expo Centre Branch in Johar Town, Lahore. With this
branch opening, Soneri’s Learning and Development Centre
has also moved to the new premises. The inauguration took
place in presence of the Chairman of Soneri Bank Limited,
Alauddin Feerasta, along with President & CEO of Soneri
Bank Limited, Mohammad Aftab Manzoor accompanied by
General Manager Muhammad Khawar Ali Shah and Head
of HR Ms. Anita Lalani.
Soneri Car Finance Launch
The launch of Soneri Bank’s new branch is a step towards
the success of its valued customers who continue to put
their trust in Soneri and to ensure that they receive all the
financial facilities and hassle-free services provided under
the bank’s ambit.
After its progressive business performance, Soneri Bank’s
Car Finance has grown from strength to strength. It’s first
advertising campaign was recently launched in
September 2015.
The campaign reached audiences through two variations of
print and radio spots. Although, the communication
focuses on the conventional benefits such as convenience
and affordability, the Soneri Car Finance campaign
creatively wraps real-life scenarios with emotional
benefits – reflecting convenience, swiftness and
affordability.
Soneri Car Finance also offers customers to choose;
from Used or Reconditioned cars, to avail Partial Payment
facility and Early Settlement facility.
18
Mr. Alauddin Feerasta, Chairman and Mr. Mohammad Aftab Manzoor, President & CEO
inaugurating Expo Centre Branch in Johar Town, Lahore
19
In Focus:
Soneri Car Finance
The increase in fuel prices has undeterred the need for
personal and private transportation. Car purchasing
continues to grow in major cities across Pakistan. However
with time, consumers have become more aware of the
convenience that comes with opting for car finance. This is
evident from the fact that over the past quarter, Soneri Bank
has made significant progress with its Car Finance portfolio
and has seen a tremendous growth in a short time, more
than 51% from December 2014 till August 2015.
Soneri Car Finance Sales for the 2nd Quarter of 2015
stood at Rs. 364.45 million and sales for June 2015
(Rs. 134.20 million) was the highest-ever sales recorded
in a single month.
Soneri Car Finance Portfolio Outstanding
1,500
Sales
Contribution
(%) in
Total Sales
South-II
South-II
South-I
Central-II
Central-II
95,418,150
79,531,450
76,805,755
74,244,625
71,129,719
12%
10%
9%
9%
9%
Top 15 BMs
The following Top 15 Branch Managers have been
awarded the “Certificate of Achievement” based on their
excellent performance during the 2nd Quarter of 2015:
S.#
1,200
Name of Branch Manager
1 Muhammad Zaheeruddin Main Branch Hyderabad (0006)
1,100
1,000
900
Jan-15
Feb-15
Mar-15
Apr-15
May-15
Jun-15
Jul-15
Aug-15
Outstanding
Figures in Million
Dec-14 Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 Growth
Outstanding
Khaleeq Ur Rehman
Sameeullah Siddiqui (Acting)
Farhan Hassan
Gul Hussnain
Muhammad Azizullah Abid
Group
1,300
Dec-14
20
Name of Regional Head
970
1,013 1,079 1,165 1,242 1,314 1,409 1,429 1,462 51%
Automation of Credit Proposal for Soneri Car Finance
To streamline Soneri Car Finance’s case processing in
terms of reduced turn-around-time, 100% accuracy, and
to meet customer’s satisfaction regarding timely approval,
Consumer Finance Division recently developed and
implemented Excel-based Automated Credit Proposal
(incorporating policy criteria) for Soneri Car Finance which
is currently being used in all the branches countrywide.
Different trainings for Credit Officers and branch staff were
conducted on Pan-Pakistan basis so that the Credit
Proposal can be prepared automatically without any hassle.
Launch of Used and Reconditioned Car Finance
In order to remain competitive in the current market and to
increase Car Finance business, Soneri Bank has launched
financing of used and reconditioned cars under the
umbrella of Consumer Finance. Finance options are
available for purchase of used/reconditioned cars, not
more than 3 years in use from their manufacturing date.
Group
South-II
2 Hassan Abbas Gulshan-e-Hadeed Branch Karachi (0106)
South-I
3 Naresh Kumar Gemnani Main Branch Larkana (0210)
South-II
4 Asghar Ali Peoples Colony Branch Faisalabad (0070)
Central-II
5 Sheikh Naveed Mehmood Chungi Amer Sadhu Branch
Lahore (0072)
Central-I
6 Mehar Riaz Bahadurabad Branch Karachi (0066)
7 Muhammad Junaid Noor Main Branch Multan (0022)
South-I
Central-II
8 Asif Khan Ghotki Branch (0230)
South-II
9 Amer Waheed Bahria Town Branch (0252)
Central-I
10 Adil Amjad Latif Muzafargarh Branch Distt. Muzafargarh (0134) Central-II
11 Sameeullah Siddiqui Main Branch Sukkur (0018)
South-II
12 Nadir Hussain Khuwaja Tando Bago Branch Distt. Badin (0181) South-II
13 Ravi Shanker Rajput Umerkot Branch (0183)
South-II
14 Vinod Kumar Deh Udhi Thul (0239)
South-II
15 Syed Saleem Shahid Shahrah-e-Faisal Branch Karachi (0031)
South-I
21
Rupees in Million
1,400
Recognizing Top Performers – Soneri Car Finance
Top 5 RHs
The following Top 5 Regional Heads made the highest
volume contribution to Soneri Car Finance Sales – YTD
August 2015:
Flying
Colors
Category-wise Winner Branches
S. #
Deposit Mobilization 2015
Campaign Results
Soneri Bank congratulates all the winners and appreciates
their dedication and efforts put in throughout the campaign.
Top RMs from each Group
Name of RM
Muhammad Ahmed (Central-I)
The campaign concluded after a 20-week run from the
16th of February to the 3rd of July 2015. An average CA
deposit of Rs. 3.3 billion was generated as a result of the
sheer hard work and determination of many star performers.
The summary of various performances are as below:
22
13,488 14,825 1,336
3,109
Min. Vol.
Avg. VariInc. ance
%
- 16.49 16.49
21.08
56.18
35.1
Region
344
9.80%
313
31
Sabikah Saeed (Central-I)
Main Branch, Lahore (0001)
Muhammad Waqas (Central-I)
Badian Road Branch, Lahore (0103)
Akmal Ali (Central-I)
Ghazi Chowk Branch, Lahore (0061)
Hafiz Junaid (Central-I)
Ghakkar Mandi Branch Distt., Gujranwala
Shahid Idrees (Central-II)
Mumtazabad Branch, Multan (0201)
Zaheer Ul Hassan (Central-II)
Toba Tek Singh (0229)
Dilawar Khan (Central-II)
Chicha Watni Branch (0226)
Zaheer Abbas (North)
Main Branch, Skardu (0033)
Mohammad Haroon (North)
Swabi Branch, District Swabi (0119)
Adil Rauf Raja (North)
Jehlum Branch (0101)
Naila Younus (South-I)
Malir Branch, Karachi (0065)
Muhammad Nadir Khan (South-I)
Korangi Township No. 3 Branch, Karachi
Shahzaib Iqbal (South-I)
Barkat-e-Haidery Branch, Karachi (0155)
Tufail Jaan (South-I)
New Town Branch, Karachi (0160)
Zeeshan Mukhtiyar (South-II)
Latifabad Branch, Hyderabad (0059)
Muhammad Hussain Biharani (South-II)
Kandkhot Branch (0240)
Mall Lahore
3,970 4,387
417 10.50%
353
64
4,906 5,495
590 12.00%
700
-110
Mr. Gul Hussnain
2,199
2,519
320 14.50%
314
6
Mr. Muhammad Azizullah Abid
1,346 1,556
211 15.60%
192
19
Mr. Muhammad Khuram Shehzad (Off)
1,361
Mir Aamir Nawaz (North)
8,417 8,404
Mr. Fakhar Zaman Khan
3,052 3,082
Mr. Imran Nasir
4,245
4,127
1,119
1,195
1,420
4.40%
194
-135
-13 -0.20%
59
900
-913
1.00%
326
-296
-119 -2.80%
454
-573
30
75
20,092 21,277 1,185
120
-45
5.90% 1,600
6.70%
-415
Mr. Farhan Hassan
5,809 6,040
231
4.00%
463
-232
Mr. Nasrullah Khan
4,102 4,454
351
8.60%
327
25
Mr. Syed Naveed Abbas (Off)
5,330 5,498
168
3.20%
424
-256
Mr. Zainul Abedin Khandwani
4,850 5,285
434
9.00%
386
48
Khaleeq-ur-Rehman (South-II)
4,145 4,439
294
7.10%
500
-206
Mr. Khaleeq Ur Rehman
3,406 3,548
142
4.20%
411
-269
152 20.60%
89
63
891
(during campaign period)
51,048 54,439 3,391
6.60% 4,900 -1,509
Team Leader Liabilities Performance
Total
Total
Average Growth
%
Ranking
775
1,007
232
30%
1st
2,245
2,780
535
24%
2nd
Junaid Noor (Central-II)
1,402
1,636
234
17%
3rd
Aftab Alam Malik (South-I)
2,896
3,237
341
12%
4th
5th
Sahir Afif Khan (North)
1,422
1,553
131
9%
Grand Total
8,740
10,214
1,474
17%
Main Branch Lahore
1
Islamic Banking ISRA University HYD South-II
1
2
3
4
Zamzama Branch Karachi
M.A. Jinnah Road Branch Karachi
Main Branch Multan
Main Branch Bahawalpur
South-I
South-I
Central-II
Central-II
1
2
3
Bahria Town Branch
Main Branch Larkana
Tando Allah Yar Branch
Central-I
South-II
South-II
1
2
3
4
Azam Cloth Market Branch
Toba Tek Singh
Badian Road Branch Lahore
Mian Channu Branch
Central-I
Central-II
Central-I
Central-II
1
2
3
4
Sheikhoo Sugar Mills Kot Addu
Kandkhot Branch
Jalal Pur Bhattian
Panjhatti Branch, Distt. Khairpur
Central-II
South-II
Central-II
South-II
Total Total
Base Avg.
(M)
(M)
Vol.
(M)
Category A
A
1,619 2,027
408
Category B
Shafqat Ali Khowaja
B
298
358
60
Category C
Javeria Tahir
C
197
270
74
Sahabzada Syed Hafiz Junaid
C
205
268
63
Muhammad Junaid Noor
C
233
290
57
Zeeshan Mustafa
C
224
275
51
Category D
Amer Waheed
D
100
150
50
Naresh Kumar
D
108
131
23
Faraz Ahmed Yousfani
D
126
152
26
Category E
Ali Naqi Nawaz Khan
E
78
149
72
Waseem Hussain
E
67
117
50
Muhammad Tariq
E
96
149
53
Muhammad Ahmad
E
78
104
27
Category F (based upon volume additions)
Umair Raza
F
52
93
41
Ghulam Yasin
F
9
27
18
Muhammad Naeem
F
13
29
15
Fahad Soomro
F
53
66
13
Central-I Arif Manzoor Qureshi
%
June 15
Budget
NTBs
Variance
(M)
Ranking
25%
763
163
1st in A Category
20%
1
139
1st in B Category
37%
31%
24%
23%
80
23
159
129
105
142
114
127
1st in C Category
2nd in C Category
3rd in C Category
4th in C Category
50%
22%
21%
132
11
17
135 1st in D Category & 3rd in Country
158
2nd in D Category
117
3rd in D Category
92%
75%
55%
34%
30
65
53
4
100 1st in E Category & 1st in Country
116
2nd in E Category
101
3rd in E Category
148
4th in E Category
79%
194%
115%
24%
57
16
27
5
101 1st in F Category & 2nd in Country
115
2nd in F Category
200
3rd in F Category
102
4th in F Category
62.82 105.2 42.38
-
18.12
18.12
Ghotki Branch (0230)
Name of RM
Mian Asif Iqbal (C-II)
Kashif Afzal (Central-I)
37.14
1
Category
BM Name
Fly High! - Weekly Winners
Nawabshah
99
Mr. Sajjad Butt
Akhtar Khawaja (South-II)
City Karachi
246
3,519 3,863
Total
Base
Syed Abid Raza Naqvi (South-I)
345 12.50%
Mr. Muhammad Ijaz Suhail
Team Leader
Islamabad
-57
2,765
Grand Total
37.14
Main Branch, Islamabad (0016)
136
Mr. Muhamamad Asad Khan
739
Hina Kanwal (North)
288
231
Mr. Khaleeq Ur Rehman
Multan
-
Vol.
Inc.
Main Branch, Rahim Yar Khan (0068)
7.10%
3,234 3,465
Jawed Munshi (South-I)
Shoaib Nawaz (Central-II)
9.90% 1,200
Mr. Amjad Yaqub Kiyani (Acting)
Mr. Syed Jehangir Ahmed
Lahore
Muhammad Sadique (South-II)
Total Total
Vol.
Base Avg.
Muhammad Khawar Ali Shah (C-I)
Mall
Main Branch, Lahore (0001)
Base Avg.
M.A. Jinnah Road Branch, Karachi (0041)
Regions / Group Performance
Group / Region
Region
Group
Top BDOs from each Region
City Lahore
Gulberg
Lahore
Gujranwala
Multan
Faisalabad
Base Avg.
9.23
0.21
8.42
8.21
24.15 31.34
7.19
8.42 36.79 28.37
13.1 22.88
- Islamabad
3.34
Mirpur
11.84
- 21.86 21.86
Sahiwal
Rawalpindi
21.07
Vol.
Inc.
18.71 29.84
11.13
9.29
63463
11,000,200
4
North
901061
10,006,000
5
North
63348
13,000,000.00
2
North
63348
12,500,025
3
North
63410
278,496,025
13
Week
12
2.81
34.16 31.35
14.14
27.39 13.25
Nazimabad
3.91
11.96
8.05
Main Branch
Karachi
Hyderabad
3.58 10.42
6.84
47.25 22.03
1.6 10.69
23
Khawar Ali Shah
Top GM - Country
Azizullah Abid
Runner-up RH Country
Top RH Central-II
9.29
Saddar and
Soc.
City Karachi
Nawabshah
North
Hina Kanwal
Main Branch Islamabad (0016)
Muhammad Asim Tahir
G9 Markaz Branch
Islamabad (0046)
Adil Rauf Raja
Jhelum Branch (0101)
Farhan Bashir Rana
Islamic Banking F-8 Markaz
Branch Islamabad (0205)
Farhan Bashir Rana
Islamic Banking F-8 Markaz
Branch Islamabad (0205)
Jamal Orakzai Hayatabad Branch,
Peshawar (0250)
10.02 10.02
11.17
25.22
NTB
Deposit
38,505,100
Group
9.78
14.51
-
North
EMP
No.
63411
Employee Name
Khaleeq-ur-Rehman
Top RH - Country
Top RH - South-II
Kashif Afzal
Runner-up TL Central-I
Akhtar Khawaja
Top TL - South-II
9.09
Asad Khan
Top RH Central-I
Zain Khandwani
Top RH - South-I
The Soneri Fly High Deposit Mobilization Campaign was
initiated to amplify productivity and performance of
employees within all functions through a healthy
competitive spirit. The campaign promotes motivation
within employees as they are urged to give the best of their
abilities to reap coinciding rewards.
Branch Name
Contingency – Soneri Bank’s
Business Continuity Plan (BCP)
You are sitting in your office, everything’s in order, you are
confident, but, all of a sudden - you face a contingency. No
one can predict the future, contingencies never inform
before showing up. However, you can coup with a sound
business continuity plan.
A ‘business continuity plan’ is about identifying the functions
of your bank that you cannot afford to lose; such as
customer data, infrastructure, technology, staff, etc. – and
planning on how to maintain them, if an incident occurs.
Recent Activities
Finance Division
RMD Ops Team conducted a BCP contingency testing at
Central Office – Finance Division in the presence of
audit/security representatives. This activity was designed in a
way to test the Finance Division staff members for earthquake
and bomb threat contingency so they can get the most out of
it. Finance Division critical staff members relocated to its BCP
back site at the Allama Iqbal Road Branch – Karachi and
performed their routine functions successfully.
BCP Awareness Sessions
RMD Operational Risk successfully conducts BCP
awareness sessions for branch operations managers for
the South region;
HR Learning and Training Division - Karachi 48
ISRA University Branch - Hyderabad
17
Total No. of BOMs’ Trained
65
Any contingency, major or minor, whether it is natural,
intentional or unintentional, can cause major disruption to
your bank. But if we make a contingency strategy now,
rather than waiting for it to happen, we will be capable to
get back to routine operations in the plausible time. Delays
can cost us our valuable business to our competitors or
even worse, losing the confidence of our customers.
“Banks need to be prepared for a wide variety of
events that could impact its operations and
profit generation.”
Today, banks exist in a highly competitive market segment.
They continuously revolutionize to achieve business
objectives through strategies for providing essential and
unique services to their customers. Getting a plan in place
shows your employees, shareholders and customers that
you are a proactive organization; it improves overall
efficiency and helps you allocate the right financial and
human resources to keep your bank up and running during
a serious disruption.
Risk Management Division
The Operational Risk Team devised and implemented a
bank-wide business continuity plan. It is the act of
proactively working out a way to prevent, if possible, and
manage consequences of a disaster, limiting it to the extent
by which a business can afford.
Total
RMD efforts for BCP Implementation across
Soneri Bank
A BCP mock drill ensures that policies and its framework
are validated by all SBL staff members. A business
contingency plan cannot be considered reliable until it is
exercised and proved practical. The mock drill involves:
validating plans; rehearsing staff members; and testing
systems which are relied upon to deliver resilience.
100
90
80
70
60
50
40
30
20
10
0
BCP Tested
98
93
60
49
32
South
Central
32
North
25
22
Service Quality Department
The high cost of the service quality department downtime
plus the loss of valuable information and equipment means
that our bank does not survive a major/minor contingency.
RMD Ops Risk Business Continuity Planning can help
reduce those losses and may be what keeps our bank in
existence. RMD Ops Team achieved another milestone to
resume most critical and complex function with the help of
the BCP contingency test at Al Rahim Tower – Service
Quality Department.
The service quality department’s critical staff relocated to
its BCP site at SMCH Branch – Karachi and attended
inbound customer calls and resolved their queries.
Business / Support
Functions
Article contributed by:
Muhammad Asim Chishti
Operational Risk
Risk Management Division
Other than these sessions, RMD Ops Team also conducts
BCP Awareness sessions to business and support
functions as well prior to their BCP mock drills.
BCP Status
After covering many of the branches and
departments/divisions, RMD has planned to conduct the
training and testing of the Northand Central Region by the
end of 2015.
Rupees in Million
24
Business continuity and disaster recovery planning are not
new concepts in the business world, but the act of
consciously assessing and planning for potential problems
certainly has been underscored in disastrous events in the
past decade including fire, earthquakes, tsunamis,
hurricanes, typhoons, and terrorist attacks. Banks need to
plan for potential disasters that will impact their ability to
continue operations, revenue and profit generation. Without
a plan to recover, no matter how large or small, any bank
can fail miserably.
25
Independence Day Celebrations
Nationwide Branch Network, Soneri Bank Limited
Soneri Bank motivates its employees to grow in a dynamic
environment, which is evident from its culture that
encourages celebrations and activities on important
occasions, especially the Independence Day. Sonerians
are encouraged to step up and participate in a festive
environment where employees can engage in productive
Head Office (Winners)
Central – I
Mall Branch, Lahore
Central – II
Main Branch, Multan
South – I
Allama Iqbal Road Branch, Karachi
Head Office (Runners-up)
Treasury Department
Mall Branch, Lahore
Mall Branch, Lahore
Latifabad Branch, Hyderabad
Mall Branch, Lahore
Main Branch, Multan
Admin Department
Admin Department
Main Branch, Multan
Main Branch, Multan
Al Rahim Tower Branch
CCG Department
CCG Department
CCG Department
South – II
Treasury Department
Treasury Department
26
and fun-filled activities. This year Soneri Bank saw its
employees participate with the same zeal and vigour.
The entire Soneri network wore green/white apparels and
competed in exciting competitions.
North
Mansehra Road Branch, Abbotabad
27
Sonerians Celebrate
Independence Day
Best Decked Branch/Department
Surrounded by festivities, Sonerians from all regions
competed within their departments as well as with other
branches to best decorate the office premises. The
Service Quality Department at Soneri’s Head Office
deserved the first place for their colourful and creative
decorations.
28
Central Office Karachi, Soneri Bank Limited
I.T. Department
I.T. Department
I.T. Department
I.T. Department
Industrial Area, North Karachi Branch
Industrial Area, North Karachi Branch
Quiz Series at Soneri
Besides other activities, a series of quizzes were held at
all Soneri Bank branches to commemorate
Independence Day. Sonerians participated to test their
knowledge of Pakistan’s history and how well-versed they
were in facts about their country. Winners who scored the
highest points were awarded with special prizes.
Quiz 1
Muhammad Riaz (Pak Pattan Branch)
Syed Muhammad Kashan (Consumer Asset Operations)
Sohail Akram (Information Technology)
Quiz 2
Mir Azfar Usman (DHA Phase-II Extension Branch,
Islamabad)
Rana Zeeshan Ahmed (Centralized Operations)
Amir Ali Salim Hussein (Jodia Bazar, Karachi)
Quiz 3
Farhan M. Shamsuz Zaman (Gulistan-e-Johar
Branch, Karachi)
Asif Munawer (Finance)
Zulqarnain Abbas (Kabirwala Branch, District Khanewal)
Quiz 4
Aitzaz Azeem (Circular Road Branch, Lahore)
Karimullah Baig (F. B. Industrial Area Branch, Karachi)
Muhammad Adnan (Internal Audit)
Quiz 5
Atiq Ahmed (Main Branch, Faisalabad)
Syed Maisam Ali Rizvi (AKU Branch, Karachi)
Shiraz Ahmed Mughal (Main Branch, Hyderabad)
29
Best Decorated Flag
As part of Independence Day celebrations, Sonerians from
all branches were encouraged to compete in the Best
Decorated Flag competition, in which departments showed
their creativity by assembling scrap materials with a spark
of ingenuity. The IT department displayed exceptional
devotion and won the competition for their team work.
Most Creative Flag
Information Technology Department
1st Runners-up
Tie between Credit Department & Mian Channu Branch
2nd Runners-up
Tie between Islampura Branch & Deh Sonhar
Badin Branch
ATM Monitoring & Support Department
Information Technology Department
Malir Branch, Karachi
Buhara Branch
CCG Department
Enquiry Office Branch, Nazimabad No. 2, Karachi
Credit Department
CCU Department
Centralize Account Opening Department
31
Mian Channu Branch
Islampura Branch
Centralized Government Security Department
Centralized Remittance Department
Deh Sonhar Badin Branch
Aga Khan University Branch
Consumer Asset Operations Department
Expo Centre Branch, Lahore
30
Winners
Tie between Malir Branch & Enquiry Office Branch,
Nazimabad No. 2
Godhpur Branch, Sialkot
G.T. Road, Manga Mandi Branch
Main Branch, Multan
Main Branch, Sukkur
Gulbahar Branch
Haidery Branch
Main Branch, Mirpur, Azad Kashmir
Muslim Town, Rawalpindi
Haroonabad Branch
HR Department
Muzaffargarh Branch
Industrial Area Branch, North Karachi
32
Islamic Branch, Shah Rukn-e-Alam Branch, Multan
Kamokee Branch
Peoples Colony, Faisalabad
Main Branch, Hyderabad
Main Branch, Lahore
Treasury Department
Zamzama Branch
33
Risk Minds
Asia 2014
Credit Administration Department –
The Milestone
Mr. Javed H. Siddiqi Addresses at the
Summit Yet Again
“If You Want To Go Fast, Go Alone. If You Want To Go Far,
Go Together.”
Examining the most pressing strategic, technical &
regulatory issues faced by risk managers today,
Mr. Javed H. Siddiqi was requested to address the
audience on the conference’s first day; Monday 12th
October, 2014 at the Regulation Summit on ‘Examining
the Impact of Regulatory Change for Market Liquidity,
Systemic Risk & Financial Inclusion.’
34
Mr. Javed H. Siddiqi has more than 24 years of experience
in the areas of Stress Testing Framework & Methodologies,
Quantitative Risk Analysis, Enterprise Risk Management,
Basel II & Basel III implementation, ICAAP Reporting and
Capital Planning / Management.
Risk Minds Asia 2014 event addressed three aspects:
the Regulatory, the Strategic and the Technical challenges
faced by risk managers today.
Lou Ping
Chairman Supervisory Board,
BANK OF KUNLUN
Javed H. Siddiqi
Head of Risk Management,
SONERI BANK LIMITED
Didier Blanchard
Managing Director & Head of Global Risk Measurement,
SOCIÉTÉGÉNÉRALE
Karin Boonlertvanich
Head of Central Treasury Department,
KASIKORN BANK
Vanessa Le Leslé
Deputy Head, Office of Regulatory Affairs, Asia Pacific,
JP MORGAN
Shaji Chandrasenan
Director & Specialist Leader, Risk Management &
Financial Risk Supervision,
MONETARY AUTHORITY OF SINGAPORE
Some of the key speakers in the conference were:
Keith Noyes
Regional Director, Asia Pacific,
INTERNATIONAL SWAPS & DERIVATIVES
ASSOCIATION, INC.
Andrew Sheng
Chief Advisor,
CHINA BANKING REGULATORY COMMISSION
Bob Mainprize
Chief Risk Officer, Asia Pacific,
BARCLAYS
A good credit operations and documentation support shop
is a mandatory requirement in all banks to ensure
maintenance of the credit discipline as per the guidelines
and policies. The State Bank of Pakistan issued their
guidelines on risk management vide BSD-7 dated August
15, 2003 that required the banks to formulate and
implement a well-defined credit policy and to develop
systems, procedures and related organizational structure to
measure, monitor and control credit risk. The loan
origination function has been given key importance which
should be subsequently strengthened by credit
administration function. Such function should ensure that
the credit activities are in compliance with the bank’s
policies and procedures. It is basically a back office
function, responsible for providing support in controlling the
extension and maintenance of the credit.
In light of the above guidelines, the bank’s Credit Policy
was revised and approved by the Board of Directors in its
meeting held on 31st August, 2012. Subsequent to the
policy, a revised credit manual was circulated as well in
order to improve the credit processes and compliance of
the defined procedures is mandatory for all bank staff
associated with credit processes.
As required in the Credit Policy, a Credit Administration
Department was established as part of Credit Division and
centralization of the credit processing was implemented in
2013 under the guidance of Mr. Akbar Raza, Head of CAD.
A Service Level Agreement was signed between Credit
Division and Business Groups for ensuring smooth
functioning of CAD and providing quality services to our
customers.
Since 2013, CAD has been made fully functional in a
phased manner and is controlling the credit processes
CAD is independent of the business groups. The branches
regularly interact with customers for strengthened
client-business relationships. This has helped in improving
the overall credit performance of the bank. The business
groups are likely to generate more of the credit business in
accordance with the guidance of Credit Division. The
positive difference is pretty obvious if we compare the
position with previous years. Business Groups are now
primarily indulged in enhancing the credit portfolio of the
bank. Subsequently, CAD caters the requirements of all
credit functions from extending the credit to adjustment of
the same. CAD ensures that all the credit covenants are
complied with by the branches in order to avoid any issues
in the performing loans. Due to country-wide centralization
of credit processes, CAD is able to implement uniform
credit practices in all regions and it has helped in ensuring
effective loan monitoring at all ends. This has created a
great working relationship environment with the business
groups and CAD is able to effectively render its services,
subsequently reducing the turn-around time while ensuring
that the policies and procedures as advised by the
regulatory and senior management of the bank are being
complied with.
CAD is responsible for maintaining country-wide credit
disbursement control and it issues Disbursement
Authorization Certificate (DAC) for the credit facilities after
35
Risk Minds Asia is the world’s leading risk management
event that yearly offers risk managers a promising
opportunity for connecting with and learning from the best
risk professionals across the globe. It comes with great
delight, that Mr. Javed H. Siddiqi, Head of Risk
Management Division was invited once again by the
prestigious Risk Minds Asia conference as an authoritative
speaker, held in Hong Kong from 12 to 15 October, 2014.
through our CAD Centre in the South Region managed by
Mr. Muhammad Nawaz Khan, in Central-I Region by
Mr. Nadeem Haider Naqvi, in Central-II Region by
Mr. Muhammad Aamir Shakir and in North Region by
Mr. Muhammad Rafiq. A team of highly experienced and
talented personnel has been positioned at these centres.
The team is looking after all credit processes, including:
support in credit and collateral documentation, credit
operations and monitoring, assistance in other daily credit
processes involving operational and legal aspects.
Credit documentation institutes the relationship between
the bank and the borrower. The facility, collateral and legal
documentation are essential to be obtained by the
customers. Business Units submit the same to CAD for
ensuring the completeness as per the approved terms and
conditions. Presently, tracking for the required documents
is quite easy as the CAD circulates the exception reports to
the business groups for their necessary actions. CAD
subsequently performs the function of safe custodian of
securities, facility and security documentation. The control
of shares pledged with our bank against borrowing
relationships lies with CAD as well through CDC and
monitoring of the loan portfolio against pledged shares is
being monitored and circulated to the relevant groups on
daily basis.
After centralization, CAD is responsible for allowing
drawdown in the facilities of the borrowers. These loans are
further monitored by CAD and if any anomaly or
variance/deviation from the approved terms and conditions
is found then the same are communicated to the business
units for executing the remedial measures. Pricing of the
credit portfolio is being administered as well and branches
are asked for rectifications, if required.
36
In order to ensure that the business units are able to
perform their respective credit processes timely and
efficiently, CAD supports them by providing information
regarding the required approvals, valuations, insurances,
pledge related issues etc. It depicts a clear picture of the
performing loans to the business units that subsequently
resolve the queries for ensuring smooth credit operations in
the borrowers’ accounts. Consortium finances of SBL are
being monitored and reviewed by CAD in accordance with
the approvals and in effective liaison with CIBG.
CAD is effectively managing the bank’s Export Finance
Scheme and Islamic Export Refinance Scheme limits with
the State Bank of Pakistan. Branches obtain clearance from
CAD for borrowing cases before submission of the same to
the SBP. With the support of business units, this process
has helped CAD to maintain and monitor the overall bank’s
borrowing exposure with SBP.
CAD is responsible for monitoring the relationships with
the credit vendors such as muqaddams on our pledged
sites. CAD provides joint approvals with the business units
in order to maintain allocation of various muqaddams as
per our approved panels. SBL relationships with other
vendors for specified credit services are being catered by
CAD as well.
A major portfolio of our performing loans is against the
pledge of imported and local commodities. Such loans are
being monitored by CAD for ensuring that our bank’s
policies related to pledge-based financing are being
complied with in true letter and spirit. Such portfolio also
needs to be insured at all times and CAD ensures that the
detailed information of anomalies in the insurance of the
financing portfolio as well as in the outstanding loans
against pledged commodities are being monitored and
forwarded to the business units for rectification. In
compliance of the R-5 of SBP Prudential Regulations for
Corporate/Commercial Banking, CAD also corresponds
with the business units for conducting joint inspections of
the pledged stocks.
Apart from all the activities performed by CAD, The CAD
maintains its close liaison with various departments
including Corporate and Investment Banking Group
(CIBG), Commercial and Retail Banking Group (CRBG),
Information Technology Division, Finance Division, Treasury
and FI Group, Centralized Clearing Unit, Centralized Trade
Operations, Centralized Operations and other related
departments to ensure smooth processing of Business As
Usual (BAU).
CAD also provides its assistance to Remedial Management
Department for cases under litigation and recovery.
CAD also provides trainings and credit management
consultancy to the business groups as well.
Enabling The Future:
Soneri Graduate Training Program
Soneri Bank aims to develop its future Operation
Managers in order to supply high quality workforce for its
Operations team. In this regard, the Trainee Officer Batch
#49 was on-boarded earlier this year. Recruitment drives
were initiated across placement centres and interactive
presentation sessions were conducted in renowned HEC
recognized universities of Karachi, Lahore, Hyderabad
& Multan.
After a rigorous process of aptitude tests and panel
interviews, 50 fresh graduates (25 each from South and
Central regions) officially joined the training program.
The batch’s initial classroom training focused on
developing their operational and soft skills, thus
familiarizing them with the work culture. Upon completion, a
passing out ceremony was organized for the participants
and was followed by lunch with the Head of Operations and
his senior team.
Once the candidates completed their theoretical training,
they were assigned to various branches for further
on-the-job training.
CAD is currently processing various system developments
with the help of ITD and vendors. After implementation of
the same, the service quality will definitely improve further
and will be resultant in monitoring the portfolio more
efficiently.
The journey was thoroughly enjoyed by the participants
who agreed that the training program gave them great
exposure, motivated them to perform with a positive
attitude and served as a platform to excel in their future
job roles.
Business Groups and Credit/CAD are necessary legs of
every credit process and the efforts from both ends are
always in place. This close association between the
departments helps to ensure that the bank has a quality
credit portfolio. It certainly helps to enhance the profitability
of the bank and nevertheless, it is all possible due to
extensive support and guidance from the senior
management including Mr. Mubarik Ali, Country Credit
Head and Mr. Akbar Raza, Head of CAD. We look forward
to another successful year by surpassing the milestones.
Soneri Bank wishes the Trainee Officers a successful
career in their respective roles.
Usama Khan
Senior Credit Operations Officer
37
ensuring that the credit facilities are being approved as per
the approved discretionary powers, the documentation is
complete, the collaterals have been obtained, all the
covenants have been complied with and approvals are in
place for deferrals or waivers.
Revolutionizing Banking
through Technology
Iftar in the Name of
Mustaqeem
An iftar and dinner event was held at the Pearl Continental,
Karachi on behalf of Mustaqeem - Soneri Bank’s Islamic
Banking umbrella brand. Prominent Soneri customers, top
management officials from the industry and their families
were invited. The event was branded with collaterals of
Mustaqeem.
Upscaling Customer Experience
Soneri Bank Technology Group, on its mission to
continuously innovate and enhance customer service, has
invested in the world’s leading technology by setting up
the country’s first Contact Centre on Cloud Computing.
The move will provide Soneri Bank customers with an
entirely new and rich experience. The Centre is powered
by world-class Genesys Telecommunication Contact
Center and Enterprise wide Avantage CRM by
C-SQUARE and hosted on reliable Cloud Computing run
by RapidCompute (a division of Cybernet). This platform
will allow Soneri Bank to provide consistent customer
service along all touch points.
For Disaster Recovery/Secondary data center migration,
the project of re-location was initiated in April 2015 and in
record time, completed in July 2015.
Information on the Move: Switching Data Centers
Given the dynamic operational environment in which
today’s data centers operate, wherein applications and
data in the production environment is changing constantly
and being replicated to a remote DR facility on a regular
basis, it becomes even more important to look at all the
facets of the IT environment and carefully execute the
migration strategy.
38
Keeping in view the critical nature of facility and
dependency involved, multinational organizations and local
financial institutions have started to acquire hosting facilities
from the service providers in Pakistan. A similar idea was
presented to the management for hosting the data center
Primary and DR-Site functions with the best industry
outsourcing vendor; and to implement virtualization
techniques to consolidate the infrastructure with it.
After thorough research and analysis of industry best
service providers, Soneri’s management approved
PTCL – Commercial Data Center and Multinet to host its
Production Data Center and DR-Site respectively.
For Primary Data Center migration, the signing ceremony
was held on 9th December 2014 with Pakistan
Telecommunication Company Limited (PTCL), the project
of re-location was initiated in December 2014 and with
pre-eminent efforts by the Technology team, the project
was completed in the month of June 2015.
39
The IT services of Soneri Bank required Tier-III (service
availability up to 99.982%) data center facility which
involves heavy investment and high operating cost which
did not seem feasible in the current banking industry
scenario. As technology services evolved, multiple service
providers now offer Tier III data center hosting services for
Primary and DR site to organizations.
The Soneri
Sportsmanship
Latest in
Technology
IT Premier League (ITPL)
Eye tracking in computers may soon become
gamers’ reality
If the latest announcements about the Assassin’s Creed
game are anything to go by, eye tracking will become a
commonplace feature in future gaming. Eye trackers
provide computers with a user’s gaze position in real time
by tracking the position of their pupils. The trackers can
either be worn directly on the user’s face, like glasses,
or placed in front of them, such as beneath a computer
monitor.
Soneri Bank as an organization promotes a healthy work-life
balance for its employees. In the same spirit, one of the
regular features of its culture include recreational sports,
like Cricket. It is a stimulating exercise that focuses on the
5C’s of Soneri’s work environment: Competence,
confidence, connections, character, and caring.
Challengers beat their opponent team with 12 runs,
claiming the ITPL shield. ADC & OPs Royals made great
efforts and were awarded the ITPL Runner-up shield. The
memorable intra-departmental cricket tournament came to
an end with a closing note from Chief Guest CIO SBL and
award ceremony.
The IT division arranged an intra-departmental cricket
tournament, famously called the IT Premier League (ITPL)
held on May 15, 2015 at Eid-Gah Ground Nazimabad.
Statistics of the Tournament:
About sixes matches were played among the cricket
teams. Departments were divided into four teams:
40
Matches
Wins
Losses
Ranking
Infra Challengers
ADC & OPs Royals
IS Super King
Security Knight Riders
4
3
3
2
3
2
1
-
1
1
2
2
Winning Team
Runner-up
-
Harry Potter’s invisibility cloak may now exist in real life
Scientists at the University of Cambridge developed a new
method to manufacture invisible "metamaterials" using
lasers, leading to the possibility of invisibility cloaks.
ADC & OPs Royals
Security Knight Riders
Infra Challengers
IS Super Kings
All the team members were gathered on the cricket ground
at 9:30 a.m., ready to take on the others to win the
tournament cup.
In a tremendous display of sportsmanship and endurance,
Infra Challengers faced ADC & OPS Royals in the final
match and after an electrifying performance; Infra
World’s first mind-reading and memory recording
MRI scan
The first ever commercial brain scan for the purpose of
recording thoughts and memories for future playback took
place in September. The inaugural patient of Millennium
Magnetic Technologies (MMT) thought recording
technology was software developer Anthony Broussard
from Houston Texas, who paid around £1,200 to have his
memories preserved.
A new method of creating "metamaterials" on a large
scale could pave the way for cloaking devices (CC)
Using an unfocussed laser light to stitch particles of gold
together, the researchers created a material that reflected
light through inverse refraction, making objects covered
by it appear invisible. Like a lot of technology in this field,
the cloaking device is most likely to find its first
applications in the military.
Tech facts that might surprise you
In a world run by internet connectivity for all aspects of life,
from efficient work operations and management to social
networking connections, it is no surprise that information is
the foundation of our collective future. That being said, here
are some quirky facts about technology:
1. On eBay, there is an average of $680 worth of
transactions every second.
2. 91% of all adults have their mobile phone within arm’s
reach every hour of every day.
A US-based neuroethology startup became the first
company to commercialize the recording and storing of
human thoughts. Donald Marks, Founder and Chief
Science Officer of MMT called the process “mind reading”
instead of thought identification. He said that the visual
reconstruction of thoughts is in its developing stage but the
data is definitely there and it will get better with time.
3. There are 6.8 billion people on the planet and 4 billion
of them use a mobile phone. Only 3.5 billion of them
use a toothbrush.
4. Hewlett Packard, Microsoft, as well as Apple have one
not so obvious thing in common – they were all started
in a garage.
41
•
•
•
•
Team
He further said, “In the future we'll be able to reconstruct
the data we have now much better."
5. 25% of Americans use only a mobile device to use
the internet.
6. Every minute, 100 hours of video are uploaded on
YouTube by individual users.
7.
There are 271 million mobile subscribers within the
United States alone, and the numbers are quickly
growing.
8. Two hundred and twenty million tons of old computers
and other technology devices are trashed in the United
States each year.
9. 90% of text messages are read within three minutes of
being delivered.
10. 30 million individuals watch television programming
from their mobile phones.
11. The average 21 year old has spent 5,000 hours playing
video games, sent 250,000 emails, instant messages,
and text messages, and has spent 10,000 hours on a
mobile phone alone.
20. The first cell phone sold in the United States – the
Motorola DynaTAC 8000X – was designed by Rudy
Krolopp in April of 1984. It weighed two pounds.
21. Google handles an estimated 1 billion search queries
each and every day, releasing almost 200 tons of CO2
per day.
22. There are 500 apps added each day to the Windows
Phone Store.
And most importantly…
23. The man known as the Father of Information Theory,
Claude Shannon, invented the digital circuit – the
foundation of the magic that provides us all access to
the Internet today – during his master’s degree
program, when he was just 21 years old.
Celebrating Summers:
Mango Fiesta 2015
Pakistan is one of the greatest exporters of mangoes
across the globe. There are about 15 varieties of the
"King of the Fruits" in the country. Celebrating summers is
incomplete without having a mango fiesta, and this tradition
is organized annually by the IT department, in a splendid
manner.
served all around. It was a joyful and unforgettable event
joined by all the employees.
The Mango Fiesta was held on June 17, 2015 in the
IT division Meeting Room.
To diversify the menu and make it more appetizing and
tempting, IT division added Arabi Paratha as well. Fresh
juicy mangoes and crispy delicious Arabi Parathas were
Mir Tehmeed
SVP - Head, Service Management & Projects
12. The first personal computer was created by Berkeley
Enterprises. Affectionately referred to as Simon, it sold
for a pricey $300 in 1950.
13. It has been 40 years since the world’s first mobile
phone call successfully took place.
14. On average, technology users carry 2.9 devices on
them at all times.
16. Since the company’s inception, there have been 144.7
million individual visitors to Facebook, making it the
most visited social networking site as of June 2013.
17. RadioShack was one of the first companies to start the
personal computer revolution, back in 1970, with its
TRS-80.
18. The first mouse was invented by Douglas Engelbart in
1963; it consisted of a hard wooden shell and two
clunky metal wheels.
19. Of the 60 billion emails that are sent on a daily basis,
97% are considered spam.
43
42
15. There are 350 million Snapchat messages sent
every day.
PTCL & Soneri Bank IT Department
Signing Ceremony
Soneri meets
C-Square
Soneri Bank Limited is embarking upon hosting the I.T.
Data Centre Infrastructure at the PTCL’s Tier-III Data Center
Site in Karachi. The PTCL Data Centre is equipped with
state-of-the-art facility which includes electrical power
(UPS & Genset), precision cooling and rack space with
committed sustenance and veracity, thus, augmenting
uptime and minimizing risks. The bank will only avail the
mentioned facilities, the ownership and governance of the
I.T. infrastructure/equipment will remain with the bank.
Soneri’s 1st Cloud Computing
Contact Center
This is a commendable initiative taken by Soneri Bank’s
technology team for the mutual benefits of both bank and
customers, as this will provide a good response time,
sustainability and a more secured platform which will
enhance the sense of security and reliability in our valued
customers.
Cloud Computing allows smoother customer experience
and minimizes need for physical storage, an investment
that Soneri Bank’s management has put careful thought
into before settling for one of the best CRM solutions to be
hosted on Cloud with C-Square Consulting as their partner.
The deal was signed with C-Square Consulting in a grand
ceremony attended by senior management from both
parties amidst great applause.
First row from left to right: Mr. Ahmed Saqib Asad, Chief Information Officer (SBL); Mr. Kamal Ahmed, Chief Digital Services Officer (PTCL);
Mr. Mohammad Aftab Manzoor, President & CEO (SBL); Mr. Amin A. Feerasta, Chief Risk Officer (SBL).
Second row from left to right: Mr. Abbas A. Bhatti, Manager Corporate Services (PTCL); Mr. Mirza Sajid Baig, GM Corporate Services (PTCL);
Mr. Noman Muzaffar, Head Infrastructure Services (SBL); Mr. Khalid Aziz, Senior Manager Corporate Services (PTCL)
at Signing Ceremony of Soneri Bank Ltd. and PTCL on 9th Dec 2014.
45
44
In a momentous signing ceremony, Soneri Bank proved its
determination to continually improve its services by setting
up the first Multi-Channel Cloud Contact Center.
Lighting the Path
to Mobile Banking
The 2nd Term Finance Certificates
Listed at Karachi Stock Exchange
Soneri enters a partnership
with Inov8
A ceremony was held in August at the Karachi Stock
Exchange to list its 2nd Term Finance Certificates (TFC).
Soneri Bank Limited successfully raised PKR 3,000 million
through this TFC. Of the total issuance amount, PKR 2,250
million were raised through private placement and the
remaining amount of PKR 750 million was raised through
the initial public offering.
On September 4, 2015, in an effort to provide its customers
with further convenience and mobility, Soneri Bank
partnered with Inov8 Limited for a superior Mobile Financial
Services (MFS) platform.
Keeping in mind the evolving usage patterns in technology,
mobility has become everything for banks and other
financial institutions. With Inov8’s MicroBank and award
winning Falcon platform, mobile banking facilities can be
accessible to Soneri Bank’s fast growing number of
customers. This will be made available via the Pinnacle
MFS cloud platform, one of the first secure Mobile Financial
Services cloud platforms in the world.
Mr. Ahmed Saqib Asad Chief Information Officer (CIO)
Soneri Bank speaking at the occasion said “Soneri Bank is
now aiming to provide a new level of experience to our
customers via transforming the technological platform up to
the international standard and this is one more step
towards achieving the milestone. This forum will further
allow Soneri Bank to provide greater customer experience
with variety of product just a touch away.”
Inov8’s Chairman and CEO, Hasnain A. Sheikh, commented,
“We are delighted to be working with Soneri Bank, and
helping shape its future with world class mobile and digital
financial services via MFS cloud platform Pinnacle.”
The total demand received was PKR 3,810 million against
total issue size of PKR 3,000 million, oversubscribed by
PKR 810 million or 1.3x times. Arif Habib Limited was the
Lead Advisor, Arranger & Underwriter for the Transaction.
According to KSE, the trading in the TFC commenced on
August 19, 2015. Transactions will take place in Soneri
Bank Limited’s TFCs through the Bonds Automatic
Trading System and will be settled on a T+1 basis.
All transactions will be settled through the National
Clearing Company of Pakistan Limited, which has
assigned “SNBLTFC2” as the symbol.
Mr. Mohammad Aftab Manzoor, President & CEO, Soneri
Bank Limited; Mr. Amin A. Feerasta, COO, Soneri Bank
Limited; Ms. Anjum Hai, CFO, Soneri Bank Limited;
Mr. Muhammad Altaf Butt, Company Secretary, Soneri
Bank Limited; Mr. Nadeem Naqvi, Managing Director,
Karachi Stock Exchange; Mr. Arif Habib, Chairman,
Arif Habib Group; Mr. Nasim Beg, CEO, Arif Habib
Consultancy; Mr. Shahid Habib, CEO, Arif Habib Limited;
Mr. Kashif Shah, Managing Director, Investment Banking,
Arif Habib Limited, were present on the occasion.
Soneri Bank Limited continues to operate through a
network of 247 branches including 15 Islamic banking
branches in Pakistan in order to provide consumers,
corporations, institutions and governments with a broad
spectrum of financial products and services, including
corporate and investment banking, consumer banking and
credit, securities brokerage, commercial, agricultural,
Islamic and asset financing.
46
First row from right to left: Ahmed Saqib Asad, Chief Information Officer (Soneri Bank); Amin A. Feerasta, Chief Operating Officer (Soneri Bank);
Hasnain A. Sheikh, Chairman & CEO (Inov8); Muhammad Aqib Zulfiqar, BOD & CFO (Inov8); Farooq H. Sikander, Executive Consultant (Inov8).
Second row from right to left: Anwaar Ahmed, Head E-Banking (Soneri Bank); Mir Tehmeed, Head IT Service Management and Projects (Soneri Bank);
Taha Imam, Business Strategy Officer (Inov8); Mohammad Nawaz, Product Manager and Business Head Retail Solutions (Inov8).
47
Keeping Up with the
Soneri High Moral Standards Code
Setting a Footprint
in Golf
Soneri Bank has always strived to nurture an environment of
trust among employees as well as with customers. The
Bank expects its employees and associated staff to adhere
to the highest standards of morality and modesty which is
hoped to be reflected in each Sonerian’s work ethic and
during interaction with peers, colleagues and customers.
In the spirit of promoting the sport of Golf while portraying
an optimistic and dynamic image, Soneri Bank has
sponsored Mr. Mohammad Saqlain to play in golf
tournaments. Saqlain has represented Soneri Bank in
numerous tournaments across various cities.
Soneri Bank is proud to acknowledge the adherence of
“High Moral Standards” of its genuine employee Laila
Abdul Raheem Shalwani, who returned a misplaced pouch
containing 7,300 Canadian Dollars to a customer at our
Garden East Branch. Soneri Bank is proud of possessing
custodians who promote honesty and morality.
Tournament Detail
City
Date
Bolan Open
Quetta Golf Club
12 to 14 June 2015
CNS Open
Karachi Golf Club
6 to 9 Aug 2015
Sindh Open
Arabian Sea Country Club 13 to 16 Aug 2015
Independence Day Cup Open DHA Golf Club, Karachi
21 to 23 Aug 2015
Prime Minster Open
Rawalpindi Golf Club
8 to 11 Oct 2015
Punjab Open
Defence Raya Lahore
16 to 18 Oct 2015
48
49
Enlightening Lives
with Easy Banking
The Launch of Soneri Asaan Account
In a fast paced world where growing aspirations and daily
challenges claim most of our time, banking is a blessing
that offers us convenience in many aspects. It is a privilege
everyone deserves – which is why Soneri Bank launched
the Soneri Asaan Account, an account tailored for the
masses. The Soneri Asaan Account perfectly complements
house wives, students, skilled workers and those who look
towards an easier banking experience.
Soneri Bank captures the essence of a hassle-free life
through the comforts of banking and translates it into a
gripping campaign. The print campaign is a result of
thorough insights combined with clutter-free designs
and a fresh angle of content.
Soneri
With Every
Soneri Dawn,
Asaan
account
I am Enlightened!
To have all your hassles taken care of with absolute ease, can really be a boost of self-enlightenment.
This is exactly what Soneri Bank aims to offer with the all new Soneri Asaan Account.
Choose from Asaan Current or Asaan Savings account
Open an account with minimum documentation
No minimum balance required
Free Accidental Insurance Coverage on Asaan Current Account
SMS Alerts
Mobile & Internet Banking facilities
Free Visa Debit Card*
51
Easy, and for all, Soneri Asaan Account gives you the convenience and simplicity of owning your own
account along with the confidence of being a force to be reckoned with. So open your Soneri Asaan
Account and see the light of Soneri shine on you.
*Terms & Conditions Apply
50
Soneri Dawn,
With Every
I am Enlightened!
Soneri Dawn,
I am Enlightened!
SMS Alerts
Asaan
account
SMS Alerts
53
With Every
Asaan
account
52
Soneri
Soneri
Asaan
account
Soneri
Prime Minister’s Youth Business
Loan Scheme
The Prime Minister launched a business loan scheme for
the youth in order to promote and expand the
entrepreneurial landscape in the country. Young adults,
both male and female, who generally have an active
entrepreneurial inclination are encouraged to pursue their
professional ambitions and start their dream business.
The main objective of the PMYBL Scheme is to provide
loans to the unemployed youth.
As an Executing Agency (EA), Soneri Bank Limited is one
of the participating banks promoting the scheme. With a
single guarantor, CNIC and within an age bracket of 21 and
45 years with entrepreneurial potential, Soneri Bank grants
PMYBL with a commitment to uplift the youth – providing
them with opportunities of financial independence and
empowerment.
SMS Alerts
Easy, and for everyone – the Soneri Asaan Account gives you an array of effective
features that provide simple solutions to all your banking needs. So stop walking on
eggshells around the idea of banking and get your own Soneri Asaan Account.
Soneri Bank shines the light of convenience on your everyday affairs with the new
Soneri Asaan Account.
The Sunny Side Up of Life
A Helping Hand
for the Youth
54
55
Soneri Winnings at
Jeeto Pakistan
Jeeto Pakistan is the country’s biggest and most popular
game show. The show is most watched during Ramadan,
in which the winnings are plentiful.
the Jeeto Pakistan show were distributed to winners
through a digital contest held on the Soneri Bank
Facebook page.
As a participating sponsor for the show throughout
Ramadan, Soneri Bank distributed dozens of motorbikes,
appliances and numerous valuable gift packs. Passes for
56
Digital
Matters
Making Waves
in Social Media
Soneri Digital
Path Ways
Our strategy is to create a consistent hype of Soneri Bank’s
brand presence and engage maximum people to build
brand equity much for our youth target, that will reap
benefits in the future. With the help of our effective digital
mediums, we were able to showcase our
Products/Services and Campaigns to our respective target
audience and foot-mark maximum impressions. This
helped us in maintaining our brand’s presence and
sustainability.
Furthermore, the whole combination was very well
supported by our recently revamped Digital shop; our
website. This digital shop has evolved the user experience
into a new era of responsive design that gives an ease to
our customers for an optimal viewing and interaction
experience that enhances the usability. Optimization has
helped in increasing our mobile device traffic as it assists
the users in easy reading and navigation with a minimum of
resizing, panning and scrolling.
With a click solution to access all the products and
services, our digital shop provides us an ample space to
showcase our archives and on-going campaigns very
proficiently.
58
interaction with our customers digitally. Also, we will be
targeting to market our digital shop which would also
include the on-going development of our Mobile banking.
At the start of a new quarter, we at Soneri firmly believe that
with the increase in acceptance of technology, sooner or
later Digital will far surpass the conventional. Akin to what
mobile phones have done to landlines and Laptops/Tablets
have done to desktop PCs.
Wish you a very engaging browsing!
The Soneri Bank digital landscape has been on a
continuous expansion since its launch, especially in the last
quarter (April – August ’15) in which a substantial growth in
page likes has taken place. A total of 3,869 new users have
added Soneri Bank to their fan list summing Soneri Bank’s
Facebook page total to 243,728. A series of creative, fresh
and engaging activities were conducted which kept fans
entertained. These posts were interspersed with new
Soneri Bank product and service campaign collaterals
which were all very well appreciated – maintaining a
top-of-the-mind recall for the brand.
Below are some of the campaign highlights run on the
digital medium:
Lifetime Total Likes
248000
247000
246000
245000
243728
244000
243000
242000
4/1/15 4/8/15 4/15/15 4/22/15 4/29/15 5/6/15 5/13/15 5/20/15 5/27/15 6/3/15 6/10/15 6/17/15 6/24/15 7/1/15 7/8/15 7/15/15 7/22/15 7/29/15 8/5/15 8/12/15 8/19/15 8/26/15
Abid Saleem
Digital Marketing Officer
Soneri Bank Limited
59
Soneri Visa Debit Card Discount Offer
Soneri Jeet
Soneri Car Finance Scheme
Now as we have entered in the last quarter of our calendar
year, we are strategizing to work and plan out different
campaigns. We are also engaged in improving our Digital
Shop to make it a customer support center where the
customers can raise queries and apply for
products/services. This would help us to increase the
Facebook Engagement
The overall engagement on the page has been healthy,
establishing a two-way communication with the audience
which is imperative in a brand’s image building agenda.
The content shared on the page helped escalate traffic on
the Soneri Bank website and Twitter. A total of 189,069 fans
engaged with content during the period of five months.
The following campaigns were uploaded to Soneri Bank’s
Facebook page which led to healthy engagements of
plenty of users.
2015 has been the year of digital growth at Soneri Bank
Limited with varied communication of product promotions,
Facebook & Twitter contests, festive markings and generic
banking content. Due to which we have received a
promising response that has helped us in enhancing our
engagement level.
Soneri Mehnat Wasool was effectively campaigned during
the holy month of Ramadan, meeting the needs of
majority of customers having loved ones living abroad.
Being impeccable on the timing, Soneri Bank was able to
capture the remittance market in Ramadan.
The content was promoted on Facebook for the entire
month of Ramadan. The content was well received by the
fans. 1,849 commented on the content, whereas 46,329
liked and 1,136 users shared the campaign in just 28 days!
Soneri Mehnat Wasool TVC
Mehnat Wasool was a paid campaign, the content shared
on Facebook was delivered to 1,196,428 which comprises
of Paid + Organic. The total impressions of the campaign
were 1,938,181.
The Soneri Mehnat Wasool print ad was also promoted on
Facebook reaching to 238,400 people through post
promotion. The post was also shared by 209 people.
Pakistan 65th Independence Day
Soneri Visa Debit Card Discount Offers
Soneri Visa Debit Card Discount offers were launched
during the month of April with uniquely tempting deals.
The campaign reached out to 18,163 organically without
paid advertising, whereas, 1,294 people engaged with the
content. The campaign received over 34,090 impressions
on Soneri Bank’s Facebook newsfeed.
A total of 201 comments were received on the Soneri Visa
Debit Card content whereas over 650 fans liked the posts.
A total of 40 users shared the campaign on their walls.
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61
Soneri Visa Debit Card
Soneri Bank greeted Ramadan with the launch of a new
TVC for Soneri Mehnat Wasool. The video post on
Facebook received a notable response and appreciation
from the fans. The TVC was promoted to achieve a
maximum exposure on Facebook while creating a
top-of-mind recall for Soneri Mehnat Wasool. The post
reached 829,856 people and was viewed 212,611 times.
4,317 people liked the video and 131 people commented
on it, 597 shared it on their feed.
Soneri Car Finance
A full-fledged campaign, the Soneri Car Finance Scheme,
was launched on the social media in the month of August.
The campaign received an overwhelming response with
fans showing their interest towards the product. The
product posts were supported by generic content which
was based on Car Financing that helped the audience to
understand the product well. The content shared on the
page reached 57,068 people out of which 4,026 people
actively interacted on the shared posts.
A total of 88,342 impressions were received on the shared
content on Soneri Bank’s news feed. The total comments
received on the content posted were 641, whereas 2,586
people liked the posts and was shared 138 times.
62
The campaign was based on a trivia in which the fans were
required to answer questions from the Soneri Mehnat
Wasool TVC. The selected winners will be given a chance
to participate in the most watched game show across the
country, “Jeeto Pakistan” in their special Ramadan
transmission.
Independence Day Pakistan
Soneri Bank wished its fans a Happy Independence Day
on Facebook & Twitter on 14th of August with the most
interactive campaign of the year by Soneri Bank
“#SonehraPakistan” on Twitter.
The campaign comprised of 20 questions spread
throughout the month of Ramadan. The fans actively
participated in the contest which resulted in a high
engagement. There were 19,875 fans who engaged in this
particular campaign. The Soneri Jeet content reached out
to 192,618 unique users and the total impressions received
on this campaign were 308,247.
Facebook and Twitter fans found the contest very engaging
which ended up in creating thousands of stories on their
timelines and also received new page likes during the time
period. About 9059+ comments were received across the
21-day campaign whereas the total post likes were over
13,444 and 1318 fans shared it on their timelines.
A total of 10 winners were picked via lucky draw who then
participated in the most famous TV game show
“Jeeto Pakistan”. The contest created a lot of buzz for
Soneri Bank on social media platforms.
63
#SonehraPakistan
Pakistan 65th Independence Day
Soneri Jeet Contest
At the start of Ramadan, another campaign was launched
for Soneri Facebook and Twitter fans which was named
“Soneri Jeet Contest”. Self-explanatory from the name
itself – the campaign was about adding value to the
Ramadan celebrations for fans.
#SonehraPakistan Twitter Campaign
Soneri’s aim this year was to bring together individuals from
several cities of Pakistan in one place through social media
– to generate positive sentiments about the country.
#SonehraPakistan was all about displaying the brighter
side of Pakistan and providing fans a platform where they
can only talk about the greatest achievements and beauty
of Pakistan.
The content shared on Twitter reached to 2.8 million
people and received 10 million+ impressions.
There were 5,221 Tweets generated during the period of
3 days. 1,524 people stayed engaged with the content
shared on Soneri Bank’s Twitter account.
Soneri Bank succeeded and created a digital benchmark.
The campaign was conducted on Twitter where only key
opinion leaders shared their positive views about Pakistan.
#SonehraPakistan was a trivia based campaign where
fans were asked 12 different questions based on Pakistan.
The campaign ran for 3 days (11-13 August). The fans
actively participated in the contest which concluded with a
total of 12 winners announced via lucky draw on Twitter
only, from all over Pakistan.
This activity created positive sentiments about the brand
and our country resulting in generating brand advocates.
#SonehraPakistan did not only establish its mark on
social media but also managed to hit the list of top trends
on 14th August for a day.
#SonehraPakistan Winners Announcement
#SonehraPakistan became the top trend on Twitter within
a short span of time and remained at the top trends on the
14th & 15th of August.
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65
Key opinion leaders also wrote on their blogs about
#SonehraPakistan, where they showed the positive image
of Pakistan which boosted brand credibility for Soneri Bank.
Page
Unique
Pageviews
Pageviews
411,828
318,889
% of Total:
% of Total:
100.00% (411,828) 100.00% (318,889)
203,659
% of Total:
100.00% (203,659)
Bounce
Rate
66.30%
Avg for View:
66.30% (0.00%)
Page
Value
% Exit
49.45%
Avg for View:
49.45% (0.00%)
$0.00
% of Total:
0.00% ($0.00)
19,953 (4.12%)
11,572 (3.63%)
00:00:58
6,355 (3.12%)
22.19%
20.99%
4.
/human-resources/
14,530 (3.53%)
12,980 (4.07%)
00:01:40
6,067 (2.98%)
82.74%
68.69%
$0.00 (0.00%)
5.
/contact-us/
14,293 (3.47%)
11,712 (3.67%)
00:02:06
4,368 (2.14%)
62.16%
47.59%
$0.00 (0.00%)
6.
/branch-locator/
/retail-banking/electronic-banking/
internet-banking/
/retail-banking/current-account/
/islamic-banking/branches/
$0.00 (0.00%)
7.
00:01:47
Avg for View:
00:01:47 (0.00%)
Entrances
3.
2.
66
Avg. Time
on Page
/
/home-remittance/soneri-mehnatwasool-remittance/
/retail-banking/online-banking/
1.
Soneri Bank Website
www.soneribank.com
Soneri Bank has been creatively promoting its products
and services on the Soneri website which has helped in
increasing traffic. A constant improvement has been
observed in the total number of visits.
Most of the visits on Soneri Bank’s website came from
desktop PC users followed by mobile phones and tablet
devices. The bounce rate of the website has improved from
71.12% to 63.56%. There has also been an increase in the
number of visits from mobile and tablets users - over 30%
of the total audience.
8.
9.
175,209 (42.54%) 128,730 (40.37%)
32,375 (7.86%)
116,675 (57.29%)
66.38%
58.19%
$0.00 (0.00%)
00:02:10
27,512 (13.51%)
92.45%
86.12%
$0.00 (0.00%)
$0.00 (0.00%)
13,737 (3.34%)
11,312 (3.55%)
00:02:46
9,230 (4.53%)
58.68%
56.30%
13,506 (3.28%)
9,168 (2.87%)
00:01:08
6,154 (3.02%)
21.95%
22.68%
$0.00 (0.00%)
9,316 (2.26%)
6,330 (1.99%)
00:01:03
745 (0.37%)
29.26%
18.65%
$0.00 (0.00%)
7,150 (1.74%)
5,405 (1.69%)
00:01:35
2,449 (1.20%)
42.06%
36.45%
$0.00 (0.00%)
6,172 (1.50%)
4,617 (1.45%)
00:01:36
1,629 (0.80%)
47.88%
30.06%
$0.00 (0.00%)
10. /retail-banking/electronic-banking/
atm-visa-debt-card/
Device
Category
00:02:19
29,855 (9.36%)
Acquisition
Sessions
203,661
% of Total:
100.00% (203,661)
1.
desktop
141,908 (69.68%)
2.
mobile
53,771 (26.40%)
3.
tablet
7,982 (3.92%)
Behavior
% New
Sessions
58,81
New Users
119,778
Bounce Rate
66,30
67
Conversions
Pages /
Session
2.02
Avg. session
Duration
00:01:50
Goal Conversion
Rate
0.00%
Avg for View:
58.78% (0,06%)
% of Total:
100.06% (119,707)
Avg for View:
66.30% (0.00%)
Avg for View:
2.02% (0.00%)
Avg for View:
00:01:50 (0.00%)
Avg for View:
0.00% (0.00%)
52,51%
Goal
Completions
0
% of Total:
0.00% (0)
Goal
Value
$0.00
% of Total:
0.00% ($0.00)
74,518 (62.21%)
63.56%
2.09%
00:02:03
0.00%
0 (0.00%) $0.00 (0.00%)
74,55% 40,087 (33.47%)
72.34%
1.87%
00:01:16
0.00%
0 (0.00%) $0.00 (0.00%)
64,81%
74.29%
1.90%
00:01:28
0.00%
0 (0.00%) $0.00 (0.00%)
5,173 (4.32%)
Summary
All campaigns executed on the social media have received
a remarkable response from both fans and customers.
Campaigns such as Soneri Jeet and Sonehra Pakistan
performed very well, promoting engagement and
interactions for the brand. During the period of 5 months,
Soneri Bank has managed to conduct several product
offerings and posts that comprised of banking, saving,
budgeting tips and quiz questions that kept the page fans
engaged on both Facebook and Twitter.
Major campaigns were also promoted on the website,
widely covering significant portions of the social media
segment. The overall effort has also increased the fans and
customers’ knowledge regarding Soneri Bank products and
services.
Up till now, there have been a total of 411,828 visitors of the
website. Below highlights the top pages visited by users.
Evidently, Soneri Mehnat Wasool’s post had the most
number of user visits with the help of Google Advertising.

Evolution Evolution

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