PROJECT

COURSE NAME:

BUISNESS FINANCE

PROJECT TITLE:

FEATURES OF STOCKS AND BONDS

INSTITUTE NAME:

COMSATS INSTITUTE OF INFORMATION TECHNOLOGY

Project Title:

Stocks and certificates available in Pakistan

Submitted To:

Ms. Hina Iqbal (Lecturer of Business finance)

Submitted By:

Mr. Zohaib Ashraf

Roll # 018

BBA Batch # 4

Registration # bbasp09-018

Date of Submission:

DECEMBER10. 2010.

COMSATS Institute of Information Technology Sahiw

First Women Bank Ltd

HISTORY

First Women Bank Ltd. is a unique financial institution, a Scheduled

Commercial Bank and a development financial institution for the socio-

economic empowerment of women.

The Bank was set up in 1989 by the Islamic world’s first woman Prime

Minister Benazir Bhutto (Shaheed), who wanted a bank that would meet the

banking needs of women entrepreneurs.

FWBL was incorporated as a Scheduled Commercial Bank in the Public

Sector as a Public Ltd. Company on 21st November, 1989 under the

Companies Ordinance, 1984.

he Bank commenced its business on 2ndDecember, 1989 with a paid up

capital of Rs. 100 Million; 90% of which was contributed in varying proportions

by five leading Public Sector banks of the country. They were:

National Bank of Pakistan, Habib Bank Limited, Muslim Commercial

Bank Limited, United Bank Limited and Allied Bank Limited

10% of the remaining capital came from the Federal Government

First Choice (Aasaish)Certificate :

First Women Bank Ltd. proudly presents loans for buying consumer durables

through “First Choice” certificates . Through this scheme, women can buy

electrical appliances for their home and kitchen with the convenience of

paying on a monthly basis.

FEATURES OF CERTIFICATE :

Exposure Limit for Individuals:

Middle Management employee / their families

Top Management employees / their families

Business women & their families

Low Income group & their families

Maximum Exposure Limits:

For Individuals other than Government / Corporate employees Rs.

10,000 – Rs. 100,000

Exposure on Government or Corporate employee Rs. 50,000 – Rs.

500,000

Security / Documentation

From Individual Customers:

For Finance of Rs. 10,000 – Rs. 100,000 One Guarantee

For a Finance Facility Rs. 100,000 – Rs. 500,000 – Two Guarantee,

one should be preferably an employee of any Financial Institution

From Corporate Customers:

Lien on Salary

Bank Statement for the last six months

Copy of last paid utility bills

The Bank of Khyber

STOCKS :

Introduction

The Bank of Khyber was established in 1991 through Act No. XIV,

passed by the Provincial Legislative Assembly of the KHYBER

PAKHTOONKHWA Province of Pakistan. It was awarded status of a

scheduled bank in September 1994. The Bank of Khyber enjoys a

unique position, and stands out amidst the other banks operating

within Pakistan, and has the privilege of being bracketed amongst

the only three government banks in the country. Currently the bank

has a total branch network of 50 Branches Plus 4 sub branches

throughout the country. At present, 20 of its branches functioning as

dedicated Islamic Banking Branches, whereas 30 branches are

conventional banking branches.

Core Values

Highest quality of service

Professionalism, Integrity and Team Work

Innovation and utilization of latest technology

Corporate Social Responsibility

Visit your nearest Bank of Khyber branch today, and experience the

taste of our traditional hospitality – for we truly are the Custodians

of Rich Values. 

The stocks of bok are weak in the market because of its potential which is -2.

The fair value of the pok’s stock is 4.06 and the current price is 4.60.

OPE

NHIGH LOW CURRENT CHANGE VOLUME

Bank

Of

Khybe

r

4.06 4.70 4.08 4.60 0.54 241,818

To increase the paid up capital of the bank to meet the minimum paid up capital

requiremnet of the

State Bank of Pakistan.

Authorized Capital No of Shares Amount (Rs in

'000)

250,000,000 2,500,000

Issued & Paid up Capital

(Par value Rs. 10.-per share)

- Issued for cash 75,000,000 750,000

- Issued as bonus shares 48,103,448 481,034

Total 123,103,448 1,231,034

Present Offer to General

Public and Employees of the Bank 41,100,000 411,000

Rs. 15.-per share (inclusive of Rs. 5.- premium per share)

Rs. 10.- per share

Rs. 5.- per share

Rs. 411,000,000

Rs. 616,500,000

Nil

The offered shares of the Bank shall rank pari passu with the existing shares in

all matters,

including right to such bonus or right issue and dividend as may be declared by

the Bank

subsequent to the date of this offer.

SAPHIRE GROUP OF INDUSTRIES :

INTRODUCTION OF COMPANY:

One of the largest manufacturers and exporters of textile products in Pakistan,

Sapphire technology comes from Europe, Japan and USA. Capitalizing on the region's

principal crop, cotton, we source this locally, and augment our offerings by providing

imported fiber from the world's best crops. We work with specialized fibers bringing

in the newest innovations from major fiber and chemical producers, and our

manufacturing from yarn to finished fabric is performed in our facilities in Pakistan.

Synergies are formed with offshore garment manufacturing companies. Our products

are marketed to the industry's biggest names in Asia, Europe, Australia, and North

America.

HISTORY:

The conceptualization of what became Sapphire started in East Bengal

Sapphire’s spinning plant first in Pakistan

Expansions in yarn spinning - lead it to be one of the largest yarn producers in

Pakistan

In value addition with its first weaving plant

Knit fabrics project

Woven fabrics dye house

Woven Dying and Finishing

Home textiles division

OPERATIONS :

MISSION  

To build flexible manufacturing capabilities in the textile industry to cater to the

growing and evolving global demands, keeping a lead position in our business,

maintaining our values based on good business and ethics, and at the same time

contributing in the development of the community in which we work and live in.

VALUES  

P eople

R elationship

I ntegrity

D iversity

E nvironment

INSTRUMENTS:

Sapphire Textile Mills Limited engages in the manufacture and export of textile

products in Pakistan. It offers spun, compact spun, open end, dyed, and bleached

yarns in various counts; cotton, poly cotton, and specialized yarns; greige woven

fabrics and finished woven fabrics; fiber dyed cotton/poly cotton blends; and

home textile made ups, such as sheet sets, quilt/duvet covers, bed skirts, shams,

pillowcases, comforters, curtains, table covers, and aprons. The company also

owns a 50 megawatt wind energy project, as well as engages in assembly,

manufacture, and sale of alternative energy and lighting products. It markets its

products in Asia, Europe, Australia, and North America. The company is based in

Lahore, Pakistan.

STOCKS OF SAPHIRE COMPANY

Stock is an instrument that signifies an ownership position (called equity) in a

corporation, and represents a claim on its proportional share in the corporation's assets

and profits. Ownership in the company is determined by the number of shares a

person owns divided by the total number of shares outstanding.

STOCK FEATURES:

The stock of this company has been able to show better performance at the bottom

line as the company's pretax profit jacked up by 107.3% to Rs 252.82 million as

against Rs 121.98 million in the same period last year...

STOCK IN TRADE Raw materials are valued at average cost. Work in process

represents cost of direct materials and appropriate proportion of conversion cost.

Finished goods are valued at lower of average cost or net realisable value. Waste is

valued at net realisable value.

STOCK PRICES:

Saphier Fiberes 122.50 123.25 123.25 123.250.

751

FEATURES:

This textile composite unit is principally engaged in manufacturing and sale of yarn,

fabric and home textile products. It is a public limited company incorporated in the

province of Sindh having its registered office located in Cotton Exchange Building I.I.

Chundrigar Road Karachi. Its manufacturing facilities are spread over at six locations

in two provinces ie Punjab and Sindh.These locations are Kotri (Sindh) Nooriabad

(Sindh), Chunian (Punjab) Feroz Watwan (Punjab)...

Year over year, Sapphire Textile Mills Ltd. has been able to grow revenues from

11.7B to 14.4B. Most impressively, the company has been able to reduce the

percentage of sales devoted to cost of goods sold from 85.32% to 81.08%. This was a

driver that led to a bottom line growth from 179.8M to 1.0B.

SNAPSHOT OF SAPPHIRE CORP LTD (SAPP)

OPEN

$0.02

PREVIOUS CLOSE

$0.02

DAY HIGH

$0.02

DAY LOW

$0.02

52 WEEK HIGH

12/10/09 - $0.02

52 WEEK LOW

01/6/10 - $0.01

MARKET CAP

324.4M

AVERAGE VOLUME 10 D

20.5M

EPS TTM

$0.0078

SHARES OUTSTANDING

16.2B

EX-DATE

03/25/03

P/E TTM

2.6x

DIVIDEND

--

DIVIDEND YIELD

--

K = Thousands  M = Millions  B = Billions

DIVIDEND :

The sapphire have specific info abourt its dividend

INTRODUCTION :

Envisioned to operate as a progressive and dynamic banking entity,

Atlas Bank today stands as a firm reality with a futuristic approach

to help manage personal and commercial finances with ease and

convenience.

Poised to offer an extensive range of commercial banking services,

lucrative assets and liability products, Atlas Bank will be catering to

satisfy and exceed the needs of its valuable customers. With a

devoted and professional team endeavoring to top off the

satisfaction of the customers, Atlas Bank will provide leasing,

financing and trade finance along with export re-finance and wealth

management services. In addition, brokerage and corporate

advisory services will also be offered through its wholly owned

subsidiary. The wide range of asset and liability products being

designed will not only suit the needs of customers but will also make

financial management convenient for them through innovative

deposit schemes that will provide most favorable profit and security

with monthly, quarterly, semi-annual and term income options or

alternatively nest eggs for long term planning. It will provide

solutions for multiple requirements of clients of diverse financial

nature on both institutional and individual levels through its array of

funded and non-funded products and services.

HISTORY :

Atlas Bank Limited is supported by the trusted equity of Atlas Group,

a leading manufacturing, financial services and trading group that

has been at the forefront of country’s economic development since

1962. With a long-term credit rating of A- and a short-term credit

rating of A2 by PACRA, Atlas Bank began its journey back in the year

1990 when Atlas Group and the Bank of Tokyo-Mitsubishi Limited

entered a joint venture as Atlas Investment Bank Limited. Later in

2002, the Bank established a merger with Atlas Lease Limited and

acquired Dawood Bank Limited in December 2005 and renamed it

as Atlas Bank Limited and merged Atlas Investment Bank in to Atlas

Bank in 2006. Atlas Capital Markets (Private) Limited was also

incorporated in 2006 and is currently a wholly owned subsidiary of

the bank. Atlas Bank's Working Capital Finance is a running finance facility

suitably structured to your business needs. It helps to meet your working capital

requirement and short-term funding needs and allows you to leverage every business

opportunity that comes your way. Once approved, you can withdraw any amount up

to the sanctioned limit. Interest is charged only on the amount utilized.

Salient Features:

Facility: Running Finance

Financing Limits: Minimum Rs. 2 million, Maximum Rs. 75 million.

Primary Security: Residential, commercial property and land.

Repayment: Monthly debt servicing on daily outstanding balance.

Servicing: Through designated sales offices and branches.

Balance Transfer Facility: Available with special incentive.

Additional Benefits:

Free inter-branch transactions.

You can avail up to 6 free pay orders.

Mobile banking facility.

REFERENCE :

http://www.atlasbank.com.pk/index.shtml

http://investing.businessweek.com/research/stocks/earnings/earnings.asp?

ticker=PAEL:PA

http://investing.businessweek.com/research/stocks/earnings/earnings.asp?

ticker=PAEL:PA

http://www.sapphire.com.pk/home.htm