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 BACKGROUND:
Meezan Bank is a publicly listed company, first incorporated on January 27, 1997. It started its
operations as an Islamic investment bank in August of the same year, which has been licensed by
the “State Bank of Pakistan” to operate as an Islamic Commercial bank on 31st January 2002.
State Bank of Pakistan granted the Nation’s first full-fledged commercial banking license of
Islamic Banking to Meezan bank Ltd. It was a new era in banking Sector history in Pakistan that
Meezan Bank Ltd adhere strictly to the principles of Islamic Shariah with absolutely no
compromise, and is recognized as Pakistan’s truly premier Islamic Bank. Meezan Bank is
operating approximately more than 600 branches in 159 different cities.

 FASTEST GROWING BANK OF THE COUNTRY

Meezan Bank, Pakistan’s first and largest Islamic bank is one of the fastest growing financial
institutions in the banking sector of the country. With its Vision of establishing ‘Islamic banking
as banking of first choice ...’ – the Bank commenced operations in 2002, after being issued the
first-ever Islamic commercial banking license by the State Bank of Pakistan.
The Bank provides a comprehensive range of Islamic banking products and services through a
retail banking network. Backed by a state-of-the art T-24 core banking system, the branch
network is supported by 24/7 banking services that include over 590 ATMs, VISA and
MasterCard Debit cards, a Call Center, Internet Banking, Mobile Application and SMS Banking
facility.
Meezan Bank has consistently been recognized as the Best Islamic Bank in Pakistan by
numerous local and international institutions, which is a testimony of the Bank’s commitment to
excellence. These institutions include Islamic Finance News - Malaysia, Global Finance
magazine - New York, Asset AAA - Hong Kong, Asia money – Hong Kong, The Banker –
United Kingdom, South Asian Federation of Accountants, Islamic Finance Forum of South
Asian Awards, Pakistan Banking Awards – Dawn & IBP Pakistan, Employers Federation of
Pakistan and CFA Association - Pakistan.

Vision
Establish Islamic banking as banking of first choice to facilitate the implementation of an
equitable economic system, providing a strong foundation for establishing a fair and just society
for mankind.

Mission
To be a premier Islamic bank, offering a one-stop shop for innovative value-added products and
services to our customers within the bounds of Shariah, while optimizing the stakeholders value
through an organizational culture based on learning, fairness, respect for individual enterprise
and performance.

Values
Shariah-compliance, Integrity, Professionalism, Innovation, Service Excellence and Social
Responsibility. Staff that is committed motivated and professionally trained and who are
empathic to their customer’s needs.
Objectives
The objective is to make and project the Bank as a professionally run and managed successful
and profitable Islamic Commercial Bank with high standards, discipline, morals, ethical norms
and be recognized as such by others within and outside the country.
Policies & Rules
To achieve the above objective, all the employees and the directors of the Bank must fully
comprehend and follow the policies, standards of ethics, standard business practices and code of
conduct i.e. rules.
Following are some policies and rules by Meezan Bank ltd.
General Principles:
 Follow the principles and spirit of Islamic finance.
 Comply with all the regulatory provisions issued by the State Bank of Pakistan, Bank’s
Board of Directors, Shariah supervisory board or any other regulatory bodies.
 Act fairly and properly.
 Maintain high standards of integrity in dealings with customers and with other financial
institutions.
 Adhere to a high level of professional practice.
 Endeavor to develop a highly qualified, experienced and committed team of
professionals.
  Act with integrity, competence, dignity, and ethically while dealing with the customers,
shareholders, vendors and colleagues.
 Understand and comply with the legal/regulatory requirements and internal policies and
procedures of the Bank that applies to the duties assigned to the employee.
 Never willingly enter into a business transaction, which shall violate any law or
principles of Islamic finance.
 Never use their position to force, induce, coerce, harass and intimidate any other person,
including sub-ordinate to provide any force, gift or benefit, whether financial or
otherwise, to themselves or others.
 Avoid professional misconduct involving dishonesty, fraud, deceit or misrepresentation.
Any unintentional mistake, wherever possible, shall be immediately rectified and
reported to the line manager.
 Safeguard the confidential information of the Bank and its customers.
 Avoid actual or potential conflicts of interests in transactions on behalf of the Bank.
 Provide accurate and reliable information in records submitted.
Policies and guidelines for bank’s confidential information, recording of information, conflict of
interest, notification for improper conduct, guidelines for vendors and customers and rules for
gifts are also mentioned by the bank in its policy guidelines.
Rules of Meezan Bank:
 Employees are not allowed to accept gifts from companies or individuals with whom the
Bank does business
 Employees are allowed to accept only minor items such as small number of inexpensive
items like calendars, diaries, desk pads and pens usually bearing a company logo. In no
case should the specialty items be valued at more than Rs.5,000/- in total. The
Department Heads / Line Managers should be consulted if any doubts are encountered.
 Advertising staff must also act to the highest standard of ethical conduct in interaction
with vendor, advertising firms or media agencies.
 If an employee wishes to become officially employed with any outside company or other
organization as director, employee, consultant or advisor, such employment must first be
approved by the President & CEO.
 An employee will be guilty of an offence, who, without lawful authority or reasonable
excuse solicits or accepts any advantage as an inducement or reward for doing or
intending to commit any action in relation to the Bank’s affairs or business, Take any
cash or near-to-cash benefit from any stake holder of the bank to provide undue
advantage.
 Employees shall be alert and vigilant with respect to frauds, thefts or illegal activity
committed within the office. If any such activity comes to the attention of an employee,
the employee must immediately report the same to the Head of Audit, Head of
Operations and Head of Human Resources
 An employee of the Bank that commits breach of the policies, discipline and knowingly
does something detrimental to the interest of the Bank, attracts strict disciplinary action
that can lead to termination or dismissal as per relevant bank policy
 Bank facilities should not be used for personal mail, telephone calls, faxing or
photocopying. Any ensuing cost incurred may be deducted from the employee’s personal
account
 Wearing of ID card by all employees of Meezan Bank Ltd. is compulsory for
identification and security reasons.
 The personality is perceived by its degree of neatness. The personal hygiene covers care
of Body odor, Bad breath, Teeth, Nails, Ears, Nose, Hair, daily shower, shave (if not
keeping proper beard), daily wear washed, clean, pressed cloths etc.
 Smoking and chewing of Betel shall be prohibited in all offices of the Bank.
 WORKING TIMINGS: All staff should report for duty on or before official time and
should be ready to attend clients' dealings at 9:00 a.m.
Official timings of the Bank are as follows;
Week Days HO/ Area & Branch 8 to 8 Banking Mid Breaks
RO Timing Timing
Monday to 9:00 a.m. to 8:45 a.m. to 7:45 a.m. to (With 45
Thursday 5:30 p.m. 5:30 p.m. 8:30 p.m. minutes lunch/
prayer break)
Friday 9:00 a.m. to 8:45 a.m. to 7:45 a.m. to (With two
5:30 p.m. 5:30 p.m. 8:30 p.m. hours lunch/
prayer break)
Saturday 9:00 a.m. to 8:45 a.m. to 7:45 a.m. to (Without break)
2:00 p.m. 2:00 p.m. 2:00 p.m.
 Employees should keep their mobile phones on vibration (preferably) or on basic tones
while on duty
DRESS CODE FOR MALE EMPLOYEES
 An appropriate dress code includes dress trouser, dress shirt, necktie & dress shoes (black
/ brown) on all working days including Fridays. Shalwar Kameez with Sherwani is also
allowed.
 Smart/Business casual is permitted (for Head office staff) on Saturdays only. Smart
casual means Trouser, Shirt (without neckties), T-Shirts (with collars and sleeves) and
dress shoes.
 Hair must be kept short & neatly styled. f) Proper care of body hygiene is a must.
 Collar/sleeve less T-shirts, Shalwar Qameez without Sherwani, jeans, sandals, joggers,
Slippers are strictly prohibited.
 Bracelets and earrings are not permitted. i) All internees must also follow the same dress
code.
  Non clerical staff i.e. messengers, security guards, tea boys, maintenance staff etc. shall
always be dressed in uniforms.

DRESS CODE FOR FEMALE EMPLOYEES

 Female employees should dress elegantly with a Headscarf and Abaya, without being
ostentatious.
 An appropriate dress code includes shalwar kameez / any modest dressing, with Abaya.
 Females staff are required to wear Hijabs (a scarf covering the entire head and hair and a
gown covering sleeves) while on duty, training & on clients’ visit, as required by Islamic
injunction.
 All internees must also follow the same dress code.
 Female staff is expected to exercise discretion in their choice of make-up & jewelry.
Nails should not be longer than medium & may be polished only with neutral colors.
 Proper care of body hygiene is a must.

JOB ANALYSIS