1. Non Financial Advisory Services

2. Appetite for Non Financial Advisory Services
Global Best Practice:
According to a survey conducted to understand Advisory Services for SMEs in Developed Markets it was revealed that almost:
95% of SMEs use External Advisory services
Accountants – 83%
Banks - 62%
Solicitors – 56%
Customers – 47%
Suppliers – 36%
Consultants – 32%
In Pakistan SMEs are deprived of any form of formal advisory services specially from Banks and keeping this in mind Bank Alfalah adopted the practice of providing formal Business Advisory Services through its SME Banking Platform.
*Survey obtained from article “UNIVERSITEIT GENT FACULTEIT ECONOMIE EN BEDRIJFSKUNDE, ACADEMIEJAAR 2007 – 2008 2

3. NFAS at Bank Alfalah
Objectives
Reinforce Bank Alfalah’s Mission, Vision and Values
Increase Outreach towards Non/Under-banked segment
Strategy
Information Provision
Knowledge Sharing Events
Advisory (Business Advice Managers)
Expectations
Access to Finance / Financial Inclusion
Improve business practices
Support business growth
Increasing SMEs ability to secure/ repay loans 3

4. The SME Toolkit www.pakistansmetoolkit.com Product Overview
Web platform
Offers the latest information and communication technologies to help small businesses in emerging markets to:
Learn and implement sustainable business management practices
Increase their productivity, efficiency and capacity
Gain access to finance and new markets.
Help them in terms of business guidance, market review and industry analysis

5. The SME Toolkit Visits on the SME Toolkit since start-
Total Hits 242,438
Repeat visitors – 30% (monthly ave.)
Pages per visit – 5 pages (monthly ave.)
Local Content Development:
Articles on the economy, sectors and commodities
Daily RSS Feed taken from Business Recorder.
Video Tutorials:
12 e-learning videos added on the SME Toolkit.
18 Languages
Award to Bank Alfalah on “Best Content Development” in IFCs 5th Annual Conference in Abu Dhabi
Over 20 Mil Users
43 Markets 5

6. Business Advice Manager (BAM) Program
Who are BAMs?
Trained Professionals
Expert in Business Diagnostics
Provide Expert Advisory Services
BAM Program:
Training Program for SME Staff in Collaboration with IFC
Training all RMs as BAMs
Assess Advisory Requirements in their SME portfolio and provide necessary guidance and support.
Back 6

7. Educational Institutions Entrepreneurial Bodies
Market Outreach Activities under NFAS Program
Roadshows
More than 35 events in key commercial hubs of major cities
4000+ operating SMEs tapped
Industry Events
18 Events conducted in major commerce chambers and trade bodies
Connected with 1,100+ business owners
Educational Institutions
Trainings at 7 different business institutions
Audience of 500+ students
Entrepreneurial Bodies
6 seminars conducted
350+ aspiring entrepreneurs touched
MOU Signings
ICCBS – University of Karachi
SMEDA
Punjab Group of Colleges
Enclude Solutions
Roadshows
Trade Associations
Entrepreneurial Bodies
Educational Institutions
Sahiwal
Faisalabad
Islamabad
Rawalpindi
Gujranwala
Karachi
Kamoke
Muridke
Lahore
Pattoki
Depalpur
Arifwala
Burewala
Chichawatni
Renal Khurd
Phool Nagar
Okara
Sargodha
Jhang
Sialkot
Pakpattan
Back 7

8. Initiatives, Alliances and Collaborations:
Business Incubation Centers
Collaborations to conduct workshops on financial aspects and SME Toolkit with
ICCBS - University of Karachi
Working with HEC to activate centers in six universities.
SMEDA
Partnership with SMEDA to provide awareness and knowledge about the benefits of engaging with the banking sector to financial excluded SMEs
Partnership to engage local chambers of commerce to conduct workshops and seminars for SMEs.
Partnership for Sector studies and content development
Rural Outreach Program
Monthly financial and non financial advisory sessions in areas with BAFL Agri footprint.
Medium to promote SBP’s schemes and guarantees
Content Sourcing and SME Toolkit population
Value Chain partners Conferences. Work in progress on securing partnerships with major corporate entities of the value chain.

9. Initiatives, Alliances and Collaborations:
Content Partnerships
Partnership with organizations like
Management Development Institute (MDI)
Empowerment Thru Creative Integration (ECI)
SMEDA
for development of case studies, sector studies, interactive quizzes and success stories from local businesses
Market Development Facility (MDF):
Backed by Government of Australia
Provision of content on AGRI sectors such as silage, dairy, livestock
Development of video tutorials
Funding for translation of content from English to Urdu
State Bank’s NFA Initiative
SBP has acknowledged the NFAS setup at Bank Alfalah and is looking to collaborate with the bank to replicate this model across the banking industry

10. Initiatives, Alliances and Collaborations:
Enclude
National Incubation Centers by Ministry of IT and Telecom
We, along with our consortium partners in Punjab (Fatima Ventures, LUMS) and Sindh (TPL, NetSol, Enclude Momentum), have won the bid from National ICT and R&D Fund (NICTRDF) to set up National Incubation Centers with LUMS in Lahore and in Enclude in Karachi.
Child and Youth Financial Literacy Programme (CYFLP)
Working with Enclude to roll out the CYFLP initiative of the SBP.
This initiative seeks to improve financial literacy among the youth of Pakistan.
In that BAFL is partnering with Enclude to impart trainings and guidance to the program participants in addition to opening 30,000 new accounts for the participants.
Alliance with Enclude to conduct seminars on 'Access to Finance' for Female Entrepreneurs in Lahore and Karachi
Fatima Jinnah Women University
-Focus group sessions and trainings completed at FJWU
-Partnership with SMEDA and FJWU to conduct sessions of higher visibility and scope with more educational institutes of RWP and ISB
Women Chamber of Commerce and Industry (WCCI):
- Sessions in Karachi and Lahore on basic and technical aspects