akif zia.docx

8/17/2019 Akif Zia.docx

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Report on United bank limited

Internship report

On

United bank

limited

Presented to

Prof. Rizwan Qaisar Danish

Hailey College of Commerce

Presented by

Name Hafiz Akif Zia

Roll no BC12!"#

$emes%er &%h

Class B.com 'hons(

$ession 2#122#1!

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Hailey College of commerce

LETTER OF TRANSMITAL

Prof. Dr Rizwan Qaisar Danish

Professor in ai!ey "o!!e#e of "o$$er%e&

'ni(ersity of P)n*ab& Lahore Pa+istan

Being a reasona+le s%,-en% ) wan% %o o+lige my honora+le an- am+i%io,s %eacher. /hose

heroic s%e* fo,n- o,r hi--en ca*a+ili%ies an- men%al cali+er an- sa0e ,s from +rain r,s% an-

*ro0i-e ,s a chance %o e*lain an- ela+ora%e %his in%ern shi* re*or%.

He has skill of shar*ening a -iamon- af%er fil%ering i% from s%ones. )% is only *ossi+le +y his

ma%chless amica+le an- -e0o%e- s,**or%. No% only he enco,rage- me +,% he also g,i-e-

me wi%h flying colors. ) am feeling *ro,- on fin-ing a chance %o 0isi% %he organizer closely. /e

o+ser0e- all %he *rocess an- %he concerne- managemen%. )% en-owe- a o**or%,ni%y %o

assess an- 0is,alize %he managemen% an- a-minis%ra%ion of %he organizer. Being ) was

,na+le %o g,ess %he 0ery fo,n-a%ion of %he s%r,c%,re. Prac%ically 0iew enhances %he ac%ion of

en%ire e0al,a%ion. his *ro3ec% ma-e i% *ossi+le %ha% %he learning *rocess is com*le%e only

wi%h %he hel* of keen o+ser0a%ion an- e*erimen%.

A ma3or %heme of %his in%ernshi* re*or% is awareness of s%r,c%,re managemen%

a-minis%ra%ion an- *,+lic -ealing of +ank.

Re#ards,

Si#nat)re

Hafiz Akif Zia

Roll No.BC#12 !"#

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A%+now!ed#$ent

By %he 5race of Almigh%y %he mos% 6ercif,l %he mos% Beneficial )7m %o-ay s,+mi%%ing

my in%ernshi* re*or% a% %he en- of my firs% *ragma%ic e*erience an- )7m gla- %o ha0e i% wi%h

8B9 where yo, come firs% only if yo,7re %he c,s%omer. hirs% of learning is insi-e yo, an-

wha%e0er %he en0ironmen% if yo,7re willing %o learn yo, -o. A% 8B9 ) ha- a new challenging

ye% a *erfec% en0ironmen% %o learn. 6y *aren%s7 *rayers an- %heir %eachings were always wi%h

me an- here+y ) will like %o %ake %his o**or%,ni%y %o show my gra%i%,-e %o all %hose who ma-e

my in%ernshi* an a-0en%,ro,s o,%wi%.

Here ) am from more *rofessional an- ra%her cor*ora%e en0ironmen% of 8B9 B,rewala roa-

Chichawa%ni +ranch. ) ne0er knew wha% i% all going %o +e. As ) en%er %he +ranch i% %ook me a

min,%e %o realize %ha% %he *erson si%%ing in %he half for%ifie- walls is %he manager. 6ay+e ) wase*ec%ing him in a glass shee%e- room. A% a glance ) gras*e- %he in%eres%ing *ersonali%y of

%he manager an- %o-ay a% %he en- of my in%ernshi*: he;s one of %he *ersons );ll always

remem+er. $ir wha%e0er ) learn% from yo, is always going %o +e res*ec%e- no ma%%er

wha%e0er +,siness fiel- ) choose. hose %i*s are always in my memory +ag.

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Tab!e of %ontent

$erial no Con%en% Page no

1 )n%ro-,c%ion %o ,ni%e- +ank limi%e- <

2 Core 0al,es =

" 6ission s%a%emen% >o+3ec%i0e 11? @rganiza%ional s%r,c%,re 12

@rganiza%ional hierarchy 1=

! 6anagemen% s%r,c%,re 21

< H,man reso,rce managemen%

*rocess

2?

& Benefi% scheme "?

= /ork -one +y s%,-en% ?"

1# Com*lemen%ary ser0ices #

11 Ra%io analysis 2

12 )n%er*re%a%ion of ra%ios !1

1" $/@ analysis !2

1? Concl,sion !<

1 Recommen-a%ions !&

1! 4,%,re *ros*ec%i0e of 8B9 !=

1< References


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his in%ernshi* re*or% co0ers many im*or%an% as*ec%s which are +asically rela%e- wi%h %he

o*era%ions an- financial as*ec%s of %he +ank.

4rom all of %he -e*ar%men%s following -e*ar%men%s are co0ere- mainly -,ring my in%ernshi*

Acco,n%s -e*ar%men%

8ni%e- Bank 9imi%e- *ro0i-ing %he general +anking ser0ices. 8ni%e- Bank 9imi%e- Pakis%an

c,rren%ly has a wi-e ne%work of +ranches insi-e %he co,n%ry an- in all commercial cen%ers of

%he worl- as well. hro,gh %his h,ge ne%work of +ranches %he Bank is *ro0i-ing all sor%s of

ser0ices %ha% ha0e +ecome *ar% of %he mo-ern +anking. 8ni%e- Bank 9imi%e- Pakis%an

s,ccessf,lly a-o*%s new inno0a%ions an- new *ro-,c%s which are ra*i-ly a--ing ,* in %he

*ro-,c% mi of +anking in-,s%ry he Bank is *ro0i-ing -e*osi%s facili%ies %o more %han fi0e

h,n-re- %ho,san- c,s%omers in %he co,n%ry an- which is increasing -ay +y %he %ime.

INTROD'"TION OF 'NITED 1AN2 LIMITED

he reser0e Bank of )n-ia which was gi0en %he res*onsi+ili%ies of eercising con%rol o0er

+anking sec%or -i- no% *erform i%s -,%ies *ro*erly in Pakis%an.

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he real momen%,m was gi0en %o +anking sys%em when %he $%a%e Bank of Pakis%an was

es%a+lishe- on 1s% E,ly 1=?&. B,% a real %,rn %ook *lace in %he +anking sec%ion when a

renowne- +anker Agha Hassan A+-i %ook ini%ia%i0e of o*ening a +ank which he anno,nce-

%o %he -ifferen% mo-e from %he o%hers. His -ream +ecame %r,e when %he firs% +ranch of 8ni%e-

Bank 9imi%e- '8B9( was o*ene- a% 6acleo- Roa- 'now 1.1. Chan-rigar Roa- Farachi( on


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he Bank was *ri0a%ize- in 2##2 %hro,gh %he sale of 1 *ercen% s%ake %o a consor%i,m of %he

A+, Dha+i 5ro,* le- +y His Highness $haikh Nahayan 6a+arak al Nahayan an- %he

Bes%way 5ro,* le- +y $ir 6ohamme- Anwr Per0ez. he iss,e is ,nsec,re- an-

s,+or-ina%e- %o *aymen% of *rinci*al an- *rofi% %o all o%her in-e+%e-ness of %he Bank

incl,-ing -e*osi%s.

8ni%e- Bank 9imi%e- is one of %he larges% commercial +ank in %he co,n%ry. /i%h almos% ?<

years of goo- s%an-ing %o i%s 0al,e- clien%s i% has s%oo- %he %es% of %ime *ro-,cing asse%s of

o0er R$. 2&2 +illion.

)% offers i%s ser0ices %hro,gh a wi-e ne%work of o0er 1"## -omes%ic +ranches all o0er

Pakis%an an- 2 o0erseas +ranches as *ar% of glo+al ne%work.

"ORE /AL'ES

Tr)st

/e are %he %r,s%ees of *,+lic f,n-s an- ser0e wi%h in%egri%y commi%men%. I%hical

+eha0ior is of cri%ical im*or%ance %o ,s. /e a-o*% f,ll com*liance wi%h in%ernal an- e%ernal

*olicies an- *roce-,res o*era%ing wi%hin %he legal framework

")sto$er Fo%)s

/e con%in,o,sly seek %o ecee- o,r c,s%omer;s e*ec%a%ions forging an- main%aining

long %erm rela%ionshi*s

Inno(ation

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/e s%ri0e %o +e %he marke% lea-ers in inno0a%i0e *ro-,c%s an- ser0ices offering

c,s%omize- financial sol,%ions wi%h flawless eec,%ion

Tea$wor+

he -i0ersi%y of o,r *eo*le is o,r s%reng%h. /e ins*ire an- challenge each o%her working

%oge%her %o achie0e synergy

A%hie(e$ent

@,r *eo*le are o,r mos% 0al,a+le asse%. /e are commi%%e- %o a res,l% orien%e- c,l%,re. @,r

goals are clear an- meri% is %he only cri%erion for rewar-

So%ia! Res-onsibi!ity

As res*onsi+le ci%izens we con%ri+,%e %o %he social welfare of %he comm,ni%y we li0e in.

1rief istory

8ni%e- +ank was es%a+lishe- in E,ne 1== an- %he com*any was regis%ere- on E,ly 2?

1==. 8ni%e- Bank 9imi%e- s%ar%e- %he o*era%ions on < No0em+er 1== wi%h i%s firs% +ranch

namely 6c9eo- Roa- now ).) Ch,nrigar Roa- a% Farachi. @n = %h No0em+er 1== %he

5aze%%e of Pakis%an no%ifie- an- incl,-e- '1L in i%s lis% of sche-,le- +anks o*era%ing in

Pakis%an.

1ran%hes in o(erseas

8ni%e- $%a%es of America

8ni%e- Fing-om

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Qa%ar

8AI

Bahrain

/ision state$ent

Jo +e a worl- class +ank -e-ica%e- %o ecellence an- %o s,r*ass %he highes% e*ec%a%ions

of o,r c,s%omers an- all o%her s%akehol-ers.

Mission State$ent of '1L

J/e shall -omina%e Pakis%an;s financial marke%s an- +e %he lea-ing +ank of Pakis%an in %erm

of K,ali%y of c,s%omer ser0ices asse%s *rofi%s an- reser0es. /e shall consis%en%ly %ry %o +e

among +anks in %he Pakis%an. Com*aring o0er sel0es %o in%erna%ional s%an-ar-s. /e shall +e

a mo-ern ,ni0ersal +ank. @,r em*loyees will +e efficien% mo%i0a%e- an- ha0e cor*ora%e

*ri-e

Ob*e%ti(es Of '1L

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@+3ec%i0es mean %he en- %owar-s which an ac%i0i%y is aime-. An organiza%ion wi%ho,%

o+3ec%i0e is like a *erson who is wan-ering wi%h no *,r*ose. All %he ac%i0i%ies of an

organiza%ion are -,e %o i%s o+3ec%i0es an- goals. An- for %he a%%ainmen% of %hose o+3ec%i0es

0ario,s %y*es of financial *ro-,c%s an- *lans are -e0elo*e-. 8B9 has also some o+3ec%i0es

which are as ,n-er.

o ens,re grow%h an- -e0elo*men% of %he +ank.

o ,se reso,rces of %he +ank efficien%ly.

o ge% more -e*osi%s.

o *ar%ici*a%e in -e0elo*men% of %he co,n%ry.

Paying s*ecial a%%en%ion %o %he areas which are ,n-er -e0elo*e-.

o -e0elo* $6I;$.

OR3ANI4ATIONAL STR'"T'RE

@rganiza%ional s%r,c%,re of a firm *ro0i-es +o,n-aries for a,%hori%y of *ersons an- clarifies

in-i0i-,al res*onsi+ili%y an- a,%hori%y. )% shows who is res*onsi+le %o whom an- who has %he

a,%hori%y %o gi0e or-ers %o someone. An organiza%ion ha0ing -,al a,%hori%y or 0ag,e s%r,c%,re

wo,l- no% ha0e clear -irec%ion an- will face h,r-les in ge%%ing i%s goals an- o+3ec%i0es.

herefore i% is 0ery im*or%an% for any organiza%ion %o ha0e a welles%a+lishe- s%r,c%,re of

res*onsi+ili%y an- a,%hori%y. An organiza%ion s%r,c%,re sho,l- +e so -esigna%e- %o clarify %he

en0ironmen% so %ha% e0eryone knows his -,%y an- who is res*onsi+le for wha%. )% res,l%s %o

remo0e o+s%acle %o *erformance ca,se- +y conf,sion an- ,ncer%ain%y of %asks an- %o f,rnisha -ecision making comm,nica%ion ne%work reflec%ing an- s,**or%ing en%er*rise o+3ec%i0es.

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5 '1L OR3ANI4ATIONAL STR'"T'RE6

8B9 also has a well-efine- formal organiza%ional s%r,c%,re. 8B9 is a 0ery 0as% organiza%ion.

)n %he organiza%ion se% ,* of 8B9 %he highes% a,%hori%y res%s wi%h Boar- of Direc%ors which

consis%s of Chairman De*,%y Chairman Presi-en% CI@ an- %he -irec%ors. )n which fo,r

-irec%ors are from 8B9 one from Pakis%an Banking Co,ncil one from 6inis%ry of 4inance

an- one who is also %he secre%ary of %he +oar-. $o %he Boar- of Direc%ors is an eigh% mem+er

%eam an- is res*onsi+le for *olicy form,la%ion an- making im*or%an% s%ra%egic -ecisions.

The na$es of the 1oard of Dire%tors are as fo!!ows6

"AIRMAN

H.H $heikh Nahayan 6a+arak Al Nahayan

DEP'T0 "AIRMAN

6r. 6,hamma- Anwar Per0ez @BI HPF

PRESIDENT 7 "EO

A%if R. Bokhari

DIRE"TOR

Zameer 6. Cho,-rey

DIRE"TOR

@mar Z. Al Askari

DIRE"TOR

6,hamma- ehsin Fhan )K+al

DIRE"TOR

Ahma- /aKar

Dire%tor

Ea0e- $a-iK 6alik

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he a,%hori%y which is secon- highes% lies wi%h eec,%i0e commi%%ee. )% consis%s of se0en

mem+ers incl,-ing %he *resi-en% an- secre%aries are in charge of -i0isions. he mem+ers

are $enior Iec,%i0e Lice Presi-en% '$ILP( of 8B9. here are %wen%y -i0isions which ha0e

%heir own $enior Iec,%i0e Lice Presi-en% '$IL(. Iec,%i0e Lice Presi-en% 'ILP( or

$enior Lice Presi-en% '$LP( %he

$ILP %o in%erna%ional -i0isions manages %he o*era%ions of foreign co,n%ries +ranches.he

res% of %he -i0isions work along %heir f,nc%ional lines as shown in %he organiza%ional char%.

A% %he Na%ional le0el 8B9 has a ne%work of +ranches s*rea- allo0er %he co,n%ry an-

i%s fiel- o*era%ions are one of %he mos% e%ensi0e among %he lea-ing +anks in Pakis%an. A%

*ro0incial le0el %he +ank is manage- +y $ILP who is assis%e- +y 5eneral 6anager '@6(

who is ILP or $ILP. he @6 is res*onsi+le for ei%her a n,m+er of regional areas or in

charge of 0ario,s *ro0incial -e*ar%men%s s,ch as A-minis%ra%ion 5eneral Reco0ery 9oans

)ns*ec%ion e%c. he com*lei%y an- e%ensi0eness of %he o*era%ions in a gi0en *ro0ince

-e%ermine %he n,m+er of @6s. @6s are assis%e- +y circles eec,%i0es who are of %he rank of

$ILP or LP.

he en%ire co,n%ry is -i0i-e- in%o Circles which are f,r%her -i0i-e- in%o Zones.

he circles are a-minis%ere- +y circle eec,%i0e. Iach zone is com*rise- of a n,m+er of

+ranches which are manage- +y +ranch managers who are mos%ly 5ra-e ) or 5ra-e ))

officers. $ome large size- +ranches are also manage- +y ALPs.

8 "ON"EPT OF '1 AND SPO2ES 1RAN"ES6

he conce*% of H8B an- $*oke +ranches was in%ro-,ce- +y ANZ 5rin- lays Bank 'now

rename- $%an-ar- Cha%%ere- Bank(. he +ank co,l-n;% ge% %he -e6r.e- +enefi%s an-

wi%h-rew form i%. Ano%her +ank which a-o*%e- %he conce*% was Na%ional Bank of Pakis%an

'NBP( which also co,l-n;% ge% %he -e6r.e- res,l%s so +o%h %he +anks -is+an-e- i%. Recen%ly

8B9 has im*lemen%e- %his scheme wi%h high ho*es. 8n-er %he conce*% +ig +ranches of a

zone are gi0en %he s%a%,s of H,+ +ranches. he H,+ +ranches moni%or %he ac%i0i%ies of

s*okes +ranches. he n,m+er of +ranches ,n-er a H,+ +ranch -e*en-s ,*on %he reso,rces

of H,+ +ranch an- %he loca%ion of %he s*okes +ranches e.g. in Peshawar %here are %wo h,+

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here are Ile0en Regional @ffices of 8B9 which f,lly coo*era%e wi%h %he Hea- @ffice.

8B9 Regional @ffices *erformance wi%h reference %o sanc%ions -is+,rsemen%

reco0eries an- -e*osi% mo+iliza%ion is of 0i%al im*or%ance %o %he +ank o*era%ions. he

f,nc%ions are as follows

o im*lemen% %he *olicies form,la%e- +y %he Hea- @ffice.

o e%en- %he cre-i% facili%ies +y kee*ing in 0iew all %he *rescri+e- con-i%ions.

o reco0er>collec% %he eis%ing long%erm cre-i%s e%en-e- +y %he +ank as *er

sche-,le.

o assis% c,s%omers in %he *rocess of -e0elo*men% +y a-0ancing loans for 0ia+le

financial *ro3ec%s. All %he 1#! 8B9 +ranches are %he re*resen%a%i0es of %he +ank. hese +ranches

*ro0i-e commercial as well as noncommercial +anking facili%ies. Lario,s s%r,c%,res in0ol0e-

in %he organiza%ion of 8B9 are gi0en +elow.

; "ON"EPT OF "ONS'MER ASSETS "ENTERS6

As %he 8B9 was *ri0a%ize- %he managemen% s%ar%e- %hinking a+o,% %he cons,mer *ro-,c%s as

well %he commercial *ro-,c%s. 4or %his *,r*ose %he managemen% s%ar%e- hiring from all o0er

%he worl- in or-er %o collec% %he cream an- make a worl- class %eam wi%ho,% any -o,+%.

he managemen% %ook %he cons,mer hea- from %he +ank which is consi-er as %he *ioneer in

%he cons,mer sec%or JCi%y Bank an- %hen he 3oine- han-s managemen% an- ma-e all %he

*ossi+le ways %o make 8B9 a /orl- Class Bank on %he Cons,mer $i-e as well in %he

Commercial $ec%or. hey ma-e collec%i0ely %he *lans %o make Cons,mer Asse%s Cen%ers in

all o0er %he co,n%ry which was in%ro-,ce- firs% %ime in Pakis%an.

he 8B9;s Cons,mer Asse%s Cen%ers are %he s%a%eof%hear% in %he main ci%ies like Farachi

9ahore )slama+a- an- Peshawar. he Cons,mer Asse%s Cen%ers are -i0i-e- in main Hea-

@ffice Regional Cen%ers an- New Ci%ies. A% %he %ime of la,nch %he regions were 1# in %he

co,n%ry +,% now i% has +een increase- %o 1?.

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)n Cons,mer Asse%s cen%ers %he *ro-,c%s are -i0i-e- in %o %wo %y*es he $ec,re- an- 8n

sec,re- Pro-,c%s. he $ec,re- incl,-e 8B9 A,%os 8B9 A--ress an- Cre-i% Car- while %he

8B9 6oney an- 8B9 Cashline comes ,n-er %he cano*y of 8nsec,re- Pro-,c%s.

here is a 5ro,* Iec,%i0e a 5lo+al $ales Hea- Hea- $ec,re- 4inancing Hea- 8n

sec,re- 4inancing Na%ional $ales 6anagers Regional $ales 6anagers Rela%ionshi*

6anagers an- %he Rela%ionshi* @fficers.

< TOP MANA3EMENT AT TE EAD OFFI"E6

I. 1OARD OF DIRE"TORS

he eec,%i0e a,%hori%y for %he general -irec%ion an- s,*er0ision of %he Bank

o*era%ions or %he con-,c% of +,siness of 8B9 0es%s in Boar- of Direc%ors. he +oar-

consis%s of a Chairman an- se0en o%her Direc%ors.

he chairman of %he Boar- of Direc%ors is %he J6anaging Direc%or. All %he mem+ers of

%he Boar- of Direc%ors as well as %he 6anaging Direc%ors are a**oin%e- +y %he

go0ernmen% of Pakis%an.

II. EE"'TI/E "OMMITTEE

Iec,%i0e commi%%ee of 8B9 consis%s of se0en mem+ers. /i%h %he e*ec%a%ion of %he

*resi-en% an- secre%ary all o%her mem+ers ser0es as )n charge of many -i0isions.

hese mem+ers are $enior Iec,%i0e Lice Presi-en% '$ILP( or cons,l%an%s hire- on

con%rac% +asis. he Di0ision Hea-s %ha% work ,n-er $ILP or cons,l%an%s are ei%her

$enior Lice Presi-en% '$LP( Iec,%i0e Lice Presi-en% 'ILP( or Lice Presi-en% 'LP(.

he mem+ers of %he eec,%i0e commi%%ee o%her %han %he 6.D. shall hol- office for

s,ch *erio- as may +e -e%ermine- +y %he Boar-. he -ecisions of %he eec,%i0e

commi%%ee o%her %han %hose which rela%e %o ma%%ers s*ecifie- +y %he +oar- in %his

+ehalf shall +e lai- +efore %he +oar-

F'N"TIONS OF EE"'TI/E "OMMITTEE

he mem+ers of %he eec,%i0e commi%%ee o%her %han %he 6.D. shall hol- office for

s,ch *erio- as may +e -e%ermine- +y %he Boar- of Direc%ors.

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he -ecisions of %he eec,%i0e commi%%ee o%her %han %hose which rela%e %o ma%%ers

s*ecifie- +y %he +oar- in %his +ehalf shall +e lai- +efore %he +oar- for a**ro0al.

$,+3ec% %o %he general or s*ecial -irec%ion of %he +oar- he Iec,%i0e Commi%%ee

may -eal wi%h any ma%%er wi%hin %he com*e%ence of %he +oar-. MANA3IN3 DIRE"TOR

he 6anaging Direc%or is res*onsi+le for %he efficien% working of %he organiza%ion. He

*erforms his -,%y accor-ing %o %he *olicies form,la%e- +y %he Boar- of Direc%ors an- is

-irec%ly answera+le %o i%.

he 4e-eral 5o0ernmen% on s,ch salary an- on %erms an- con-i%ions shall a**oin%

%he 6D as i% migh% -eem fi%.

he 6D shall hol- office for %erm of %hree years which %he go0ernmen% may e%en-

from %ime %o %ime.

he 6D shall +e %he Chief Iec,%i0e of %he organiza%ion an- shall *erform s,ch

f,nc%ions as reK,ire- +y %he @r-inance an- %he r,les an- reg,la%ions ma-e for %he

*as%.

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/i%h an in%egra%e- ne%work of o0er 1### +ranches in Pakis%an as well as @0erseas

8B9 gi0es yo, -irec% access %o a com*rehensi0e range of +e%%er +anking facili%ies %o hel*

yo, moni%or yo,r +,siness locally as well as in%erna%ionally.

'1L MANA3EMENT STR'"T'RE

8B9

has

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Na$e Desi#nation

His Highness $haikh Nahayan

6a+arak Al Nahayan

Chairman

$ir 6ohamme- Anwar Per0ez @BI

HPF

De*,%y Chairman

6r. A%if R. Bokhari Presi-en% CI@

6r. @mar Zia- Eaafar Al Askari Direc%or

6r. Zameer 6ohamme- Cho,-rey Direc%or

Dr. AshfaK,e Hasan Fhan Direc%or

6r. 6,hamma- $ami $aee- Direc%or

6r. Amin 8--in Direc%or

6r. Arsha- Ahma- 6ir Direc%or

6r. AKeel Ahme- Nasir $ILP>Com*any $ecre%ary Chief 9egal

Co,nsel

6r. Aameer Farachiwalla $ILP>5ro,* Chief 4inancial @fficer


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es%a+lishe- an- organize- +ranches +o%h insi-e an- o,% si-e Pakis%an. hese are %wo

s,+si-iaries an- 3oin% 0en%,res of 8B9 as ,n-er.

5. S)bsidiaries6

8B9 A 5. Z,rich '$wi%zerlan-( es%a+lishe- in 1=!&.

)%s *ai- ,* ca*i%al of -ollars 2


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Peshawar region an- ,n-er %hese H,+ +ranches %here are 1?2 s*okes +ranches. hese

1! +ranches come ,n-er %he Peshawar Region for which %here is a Regional hea- Q,ar%er

'RHQ( in Peshawar.

he lis% of h,+ +ranches come ,n-er %he Peshawar Region is as ,n-er.

1. Peshawar !. Hari*,r 11. 6ar-an

2. Bann, RP? and Fore%astin#

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R Pro%ess

As -isc,sse- here a+o0e HR6 De*ar%men%s *lays 0i%al role in +,siness grow%h of +ank. )f

well K,alifie- h,man reso,rce are in-,c%e- %he res,l% *erformance of em*loyees will

com*ara%i0ely more +e%%er %han ,nK,alifie- s%aff. )n %he *resen% snereo of +anking in-,s%ry

in-,c%ion of fresh HR K,alifie- in +,siness managemen% informa%ion %echnology cre-i%

marke%ing +ecome nee- of %he +ank.

Al%ho,gh e*erience has i%s own significan% im*or%ance +,% ol- age- s%aff *erformance -os

no% mee% %he *resen% challenges %o +anking in-,s%ry. herefore h,man reso,rce -i0isions

con%in,o,sly re0iew %he reK,iremen% of HR an- *lan %o *rocess how many HR is reK,ire-M

An- in wha% fiel- of +anking i.e. informa%ion %echnology cre-i% or marke%ing.

a. 'MAN RESO'R"E PLANNIN3 PRO"ESS

>RPP?

8B9 following %hese s%e*s for H,man Reso,rce Planning:

De%ermine- %he organiza%ion mission

$can %he organiza%ional en0ironmen%

$e% s%ra%egic goals

4orm,la%e a s%ra%egic *lan

b. Fore%astin# R re@)ire$ents

H,man reso,rce managemen% a% hea- office le0el make +,-ge%ing forecas%ing of HR

reK,iremen% an- in %his connec%ion re0iew *resen% HR a% %he +ranch an- cri%ically re0iew %heir

*erformance> o,%*,%>*ro-,c%i0i%y kee*ing in 0iew %he marke%ing an- com*e%i%i0e *ress,re so

as %o *ro0i-e +e%%er K,ali%y ser0ice %o i%s c,s%omers. )nforma%ion>-a%a regar-ing *resen% HR

as well as f,%,re reK,iremen% is collec%e- from %he s,*er0ising>con%rolling offices i.e. regional

office circle offices %he fiel- s%aff can 3,-ge +e%%er reK,iremen%.

R re@)ire$ent is fore%asted for

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'a( Re*lacemen% of s%aff resigne- o*%e- for *rema%,re re%iremen% or s,*er

ann,a%ion.

'+( A--i%ional s%aff reK,ire- %o mee% %he challenge- an- %o *ro0e- +e%%er

K,ali%y ser0ices %o c,s%omer %o com*e%e in %he marke%.

%. Method of fore%ast R need

)n-,c%ion of fresh HR %o re*lace %he eis%ing s%aff is nee- of %he -ay. B,-ge%ing an-

forecas%ing HR nee- is a con%in,o,s *rocess as com*e%i%i0e offer of +e%%er salary *ackage

incen%i0es a%%rac%i0e facili%ies offere- +y 0ario,s +anks in %he marke% a%%rac% %he yo,ng an-

e*erience officer %o resign from *resen% 3o+ +esi-e reg,lar re%iremen% from +ank ser0ice

also reK,ire HR6 %o re0iew HR nee- %o +ri-ge %he -efici% HR6 reg,larly in-,c%i0e %rainee

officers managemen% %rainee officer an- also hire e*erience- officer from o%her +ank.

HR6 is res*onsi+le %o ha0e a**ro0e- +,-ge% of hea- co,n% +efore hiring recr,i%men% of HR

%o mee% %he nee- for +e%%er K,ali%y ser0ices. he 8B9 ,se- %he following me%ho-s %o forecas%

HR nee-s

O

a( I*er%s mee% face%oface

+( 5ro,* -isc,ssion facili%ies echange of i-eas

c( Possi+le s,+3ec%i0i%y 5ro,* *ress,re

-( I*er%s work in-e*en-en%ly

8 E$-!oyee Re%r)it$ent and Se!e%tion

8B9 is commi%%e- %o em*loying %he +es% K,alifie- can-i-a%es for a**ro0e- *osi%ion in

com*liance wi%h all a**lica+le em*loymen% laws. )% is 8B9 *olicy %o *ro0i-e eK,al

o**or%,ni%ies %o all can-i-a%es.

All recr,i%men%s reK,es%s recei0e- +y HR recr,i%men% is com*are- wi%h %he +,-ge%e- hea-

co,n% in %he +eginning of %he year an- HR %hen ini%ial search *rocess for all

+,-ge%e->a**ro0e- hiring reK,es%. HR coor-ina%e for new hiring or re*lacemen% of s,i%a+le

can-i-a%e %hro,gh

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a. So)r%es of "andidates

I0ery organiza%ion has %he o*%ion of choosing %he can-i-a%es for i%s

recr,i%men% *rocesses from %wo kin-s of so,rces

)n%ernal an- e%ernal so,rces.

he so,rces wi%hin %he organiza%ion i%self 'like %ransfer of em*loyees from

one -e*ar%men% %o o%her *romo%ions( %o fill a *osi%ion are known as %he

in%ernal so,rces of recr,i%men%. Recr,i%men% can-i-a%es from all %he o%her

so,rces 'like o,%so,rcing agencies e%c.( are known as %he e%ernal so,rces of

'a( )n%ernal so,rce

'+( I%ernal so,rce

Interna! So)r%e

/hen segmen% wise reK,iremen% is calc,la%e- +y h,man reso,rce wi%h 3o+ s*ecifica%ion

agains% %he +,-ge%e- s%a%,s of hea- co,n% %hen i% is -eci-e- ei%her %o anno,nce in%ernally. )f

+,-ge% allow for s,ch *osi%ion h,man reso,rce anno,nce %he 0acancy in%ernally %o o*en %he

3o+ for all rele0an% *ersonnel %o a**ly who *osses s,ch K,alifica%ion. )n%eres%e- em*loyees

are reK,ire- %o fill a form -,ly recommen-e- +y %heir ,ni%>line manager an- s,+mi% %o HR for f,r%her ac%ion a% %heir en-.

• )f an em*loyee is a**lying for a 3o+ in %he same gra-e as his eis%ing gra-e %he

em*loyee m,s% ha0e ha- a% leas% one f,ll *erformance +efore +eing consi-ere- for %he ne%

3o+.

• Howe0er if a can-i-a%e is a**lying for a 3o+ gra-e higher %hen eis%ing gra-e %he HR

recr,i%men% ,ni% will ens,re %ha% %he em*loyee is %ransferre- on his eis%ing gra-e an-

*erform a *erio- of one *erformance cycle +efore +eing consi-ere- for a *romo%ion.

HR will %hen screen all a**lica%ions on %he +asis of *re-efine- reK,iremen%s an- shor%

reK,iremen%. )n%er0iew *rocess is ini%ia%e- accor-ing %o *re-e%ermine- in%er0iew g,i-elines

%o -e%ermine %he can-i-a%e s,i%a+ili%y for %he 0acancy. )f %he can-i-a%e is s,i%a+le for %he

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*osi%ion HR will make all necessary arrangemen%s for %he %ransfer %o %ake *lace smoo%hly.

ConseK,en%ly a re*lacemen% will +e anno,nce- or i-en%ifie- imme-ia%ely +y HR %o mee% %he

nee-s of %he -e*ar%men%>-i0ision where %he can-i-a%e is +eing %ransferre- from.

Eterna! so)r%e

/here senior or more -i0erse *rofiles are reK,ire- an- in%ernal search has *ro0e- %o +e an

ins,fficien% me%ho- %hen search +e carrie- o,% e%ernally. he *rocess has %o +e ini%ia%e- +y

%he rele0an% gro,* hea- +y *ro0i-ing 3o+s s*ecifica%ion along wi%h %here reK,es% an-

recommen-a%ion of %o any HR.

HR will carry %he *rocess forwar- +y %he searching for %he *o%en%ial can-i-a%e %hro,gh ,*

-a%e- %he -a%a+ase marke%ing IP or con-,c%ing %he assessmen% of %he i-en%ifie- can-i-a%e.

6anagemen% %rainee *ro+a%ionary officer ha0e +een in%ro-,ce %o +,il- an e%ernal reso,rce

*ool for en%ry>3,nior le0el hiring. Po%en%ial can-i-a%es. An offer for em*loymen% %o can-i-a%es

are ma-e %hro,gh

1 Direc% a-0er%isemen%

2 Cons,l%an%s

Dire%t ad(ertise$ent

his me%ho- for a%%rac%ing K,ali%y a**lica%ions is ,se- when %here is nee- %o hire in large

n,m+ers wi%hin a shor%es% -ea-line an- a% -ifferen% loca%ions. HR will assis% %he -e*ar%men%

%o -raf% a-0er%isemen% which m,s% +e a**ro0e- +y gro,* hea- HR6 an- gro,* hea- of

concerne- -e*ar%men%.

"ons)!tant

$ome %ime managemen% of %he +ank engages %he ser0ices of cons,l%an% for hiring %he

can-i-a%es from %he marke%. his is 0ery cos%ly o*%ion an- nee-s %o +ee eercise- wi%h

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res%rain%. $ome%ime i% is %he only o*%ion a0aila+le. Howe0er i% is im*or%an% ha% %his o*%ion

m,s% +e eercise- wi%h ca,%ion an- %hro,gh HR recr,i%men% *olicy.

b. E$-!oy$ent se!e%tion -ro%ess

/hile offering an a**er%,ni%y in +ank 8B9 +ank firs% in%ro-,ce i%self an- %hen gi0e %he

cri%eria>3o+ reK,iremen%

• Ha0e +achelor -egree

• Ha0e an age no% ecee-ing 2! years.

• Be selfmo%i0a%e- an- a+le %o work in-e*en-en%ly

• Icellen% *resen%a%ion skill

All shor% lis%e- can-i-a%es will ha0e %o clear wri%%en %es% an- in%er0iew.

• o ens,re a consis%en% an- %rans*aren% *rocess of all s,ch Eo+ I*erience will +e

an a--i%ional consi-era%ion.

em*loyees on *ermanen% ca-re %he following *rocess is a-o*%e-.

8ni% hea->line manager *re*are a 3o+ -escri*%ion an- raise a hiring reK,es% %o HR

-,ly a**ro0e- +y gro,* hea- agains% +,-ge%e- hea- co,n%.

• HR will screen %he a**lica%ions on %he gi0en selec%ion cri%eria.

• $hor% lis%e- can-i-a%es are reK,es%e- %o a**ear for assessmen% %es%.

• Panel in%er0iew are con-,c%e- wi%h in %wo>%hree week of shor% lis%ing %he

can-i-a%es who clear %he %es%.

• $elec%e- can-i-a%es %hen informe- %hro,gh le%%er of a**oin%men%.

=oinin# for$a!ities

Before 3oining %he +ank %he can-i-a%es is reK,ire- JAcce*%ance of em*loymen% offer wi%hin

1 -ays

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sessions an- %hen %he officers are *os%e- in %he +ranches for 3o+ %raining where %hey %ake

o**or%,ni%y %o *rac%ically ,%ilize %he knowle-ge %hey learne- in s%aff %raining college.

A% +ranches s,*er0ising manager of %rainee officer cri%ically re0iew %he em*loyee in%eres% in

3o+ %raining an- his *erformance normally af%er sis mon%h *ro+a%ionary officer are confirme-

a sa%isfie- *erformance. Howe0er managemen% feel %ha% em*loyee nee-s f,r%her %raining

*ro+a%ionary *erio- may also e%en-.

EMPLO0EE TRAININ3 AND DE/ELOPMENT

An Iffec%i0e raining Program

he K,ali%y of em*loyees an- %heir -e0elo*men% %hro,gh %raining an- e-,ca%ion are ma3or

fac%ors in -e%ermining long%erm *rofi%a+ili%y of a small +,siness. Hiring an- kee*ing goo-

em*loyees is %he key %o %he firs% fac%or. )f yo, hire an- kee* goo- em*loyees i% is goo- *olicy

%o in0es% in %he -e0elo*men% of %heir skills so %hey can increase %heir *ro-,c%i0i%y. raining

of%en is consi-ere- for new em*loyees only. his is a mis%ake +eca,se ongoing %raining for

c,rren% em*loyees hel*s %hem a-3,s% %o ra*i-ly changing 3o+ reK,iremen%s.

P)r-ose of Trainin# and De(e!o-$ent

Reasons for em*hasizing %he grow%h an- -e0elo*men% of *ersonnel incl,-e

Crea%ing a *ool of rea-ily a0aila+le an- a-eK,a%e re*lacemen%s for *ersonnel who may

lea0e or mo0e ,* in %he organiza%ion. Inhancing %he com*any7s a+ili%y %o a-o*% an- ,se a-0ances in %echnology +eca,se of a

s,fficien%ly knowle-gea+le s%aff.

B,il-ing a more efficien% effec%i0e an- highly mo%i0a%e- %eam which

enhances %he com*any7s com*e%i%i0e *osi%ion an- im*ro0es em*loyee morale.

Ins,ring a-eK,a%e h,man reso,rces for e*ansion in%o new *rograms.

Research has shown s*ecific +enefi%s %ha% a small +,siness recei0es

from %raining an- -e0elo*ing i%s workers incl,-ing

)ncrease- *ro-,c%i0i%y.

Re-,ce- em*loyee %,rno0er.

)ncrease- efficiency res,l%ing in financial gains.

Decrease- nee- for s,*er0ision.

Im*loyees freK,en%ly -e0elo* a grea%er sense of selfwor%h -igni%y an- well+eing

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as %hey +ecome more 0al,a+le %o %he firm an- %o socie%y. 5enerally %hey

will recei0e a grea%er share of %he ma%erial gains %ha% res,l% from %heir increase- *ro-,c%i0i%y.

hese fac%ors gi0e %hem a sense of sa%isfac%ion %hro,gh

%he achie0emen% of *ersonal an- com*any goals.

Se!e%t the Trainin# Methods 7 Mode

o,r +,siness sho,l- ha0e a clearly -efine- s%ra%egy an- se% of o+3ec%i0es %ha%

-irec% an- -ri0e all %he -ecisions ma-e es*ecially %raining -ecisions. 4irms %ha% *lan %heir

%raining *rocess are more s,ccessf,l %han %hose %ha% -o no%.

6os% +,siness owners wan% %o s,ccee- +,% -o no% engage in %raining -esigns

%ha% *romise %o im*ro0e %heir chances of s,ccess. /hyM he fi0e reasons mos% of%en

i-en%ifie- are

ime $mall +,sinesses managers fin- %ha% %ime -eman-s -o no% allow %hem %o %rain

em*loyees.

5e%%ing s%ar%e- 6os% small +,siness managers ha0e no% *rac%ice- %raining em*loyees.

he %raining *rocess is ,nfamiliar.

Broa- e*er%ise 6anagers %en- %o ha0e +roa- e*er%ise ra%her %han %he s*ecialize- skills

nee-e- for %raining an- -e0elo*men% ac%i0i%ies.

9ack of %r,s% an- o*enness 6any managers *refer %o kee* informa%ion %o %hem. By -oing

so %hey kee* informa%ion from s,+or-ina%es an- o%hers who co,l- +e ,sef,l in %he %rainingan- -e0elo*men% *rocess.

$ke*%icism as %o %he 0al,e of %he %raining $ome small +,siness owners +elie0e %he f,%,re

canno% +e *re-ic%e- or con%rolle- an- %heir effor%s %herefore are +es% cen%ere- on c,rren%

ac%i0i%ies i.e. making money %o-ay.

A wellconcei0e- %raining *rogram can hel* yo,r firm s,ccee-. A *rogram

$%r,c%,re- wi%h %he com*any7s s%ra%egy an- o+3ec%i0es in min- has a high *ro+a+ili%y of

im*ro0ing *ro-,c%i0i%y an- o%her goals %ha% are se% in %he %raining mission. 4or any +,siness

form,la%ing a %raining s%ra%egy reK,ires a--ressing a series of K,es%ions.

/ho are yo,r c,s%omersM /hy -o %hey +,y from yo,M

a. Trainin# need assess$ent

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raining nee- -,ring calen-ar year are assesse- in %he 0ery +eginning of %he year an- %he

fiel- managemen% a%e reK,es%e- %o selec% %he %o*ics in which m mos% of em*loyees nee-

%raining. he o+3ec%i0es of im*ar%ing %raining is %!o increase %heir *erformance efficiency as

well a% im*ro0e K,ali%y ser0ices. 6oreo0er s,+3ec%s rela%e- are -ay %o -ay +anking

o*era%ions $%a%e Bank of Pakis%an *r,-en%ial reg,la%ions e%c. af%er calling informa%ion

recommen-a%ions of %o*ics selec%e- for s%aff %raining ,ni% hea- %raining a**ro0e- %he %raining

nee- an- a-0ise %raining sche-,le -a%e -,ra%ion of co,rse *ar%ici*an%s on mon%hly +asis.

he fiel- managemen% again reK,es%e- for nomina%ion of %he em*loyee who nee- %raining %o

im*ro0e his working efficiency %o mee% %he reK,ire- s%an-ar-. raining session are con-,c%e-

a% s%aff %raining colleges a% Farachi )slama+a- an- 9ahore. 4,r%her mo+ile %raining is also

arrange- a% circle region le0el for maim,m *ar%ici*a%ion.

b. E$-!oyee De(e!o-$ent

/hen %raining nee- assesse- an- %he co,rse for K,ali%a%i0e as well as K,an%i%a%i0e %raining

of em*loyee are selec%e- %ha% i% is -eci-e- %o nomina%e %he officer for s,+3ec% %raining which

hel* in grooming %he em*loyee for %heir career -e0elo*men% so as %o *ro0i-e efficien%

*ersonalize- ser0ices %o c,s%omers a% %he one en- increase em*loyee *erformance more

efficien%ly a% %he o%her han-. 6o%i0e +ehin- %raining co,rses is %o increase c,s%omer ser0ices

efficiency as well %o im*ro0e working s%an-ar- in com*liance wi%h *roce-,ral ins%r,c%ion

man,al cre-i% *olicy as *r,-en%ial reg,la%ion of $%a%e Bank of Pakis%an. he %raining i%self inc,lca%e sense of res*onsi+ili%y com*liance of *roce-,re se% +y +ank as well as reg,la%ions

of $BP an- o%her reg,la%ory a,%hori%y. when em*loyee is ,*-a%e- wi%h %he *roce-,re $BP

PRs %he efficiency of working of an em*loyee is increase- an- chances of noncom*liance

are almos% minimize-.

?. Perfor$an%e $ana#e$ent

Performance is %he cen%ral %heme of %he managemen% a% 8B9 an- is a% %he hear% of o,r

managemen% *rac%ices. he *erformance managemen% sys%em foc,ses on key areas s,ch

as

• Crea%e an en0ironmen% %ha% enco,rages em*loyee -eli0er high *erformance.

• Dis%ing,ish goo- *erformance from *oor *erformance an- recognize goo-

*erformance %hro,gh *rocess -efine- +elow an- rewar- high *erformances.

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• Pro0i-e all *ossi+le means an- reso,rces %o hel* *oor *erformance %o im*ro0e an-

• /here %he *oor *erformers fails %o show *rogress>im*ro0emen% -efine a ,niform

*rocess %ha% a--ress s,ch si%,a%ions.

a. Settin# Perfor$an%e Standards And E-e%tation

Performance 6anagemen% i%self meas,res %he *erformance of em*loyees wi%h regar- %o

achie0emen% of goals assigne- an- acce*%e- +y %he em*loyee in-i0isi+ly %o share %o

*ar%ici*a%e in achie0emen% of collec%i0e goals. )% also -is%ing,ishes +e%ween %he *erformer

anno *erformer so as %o regar- %he ac%,al *erformance. 6ore e0er i% also inc,lca%es %he

s*ri%e which crea%e hear%ily com*e%i%i0e a%mos*here among %he em*loyee %o increase %heir

efficiency.

he *erformance res,l% achie0emen% of +,siness goals>%arge% can +e achie0e- if all

em*loyees -on;% con%ri+,%e his share in achie0emen% of collec%i0e goals.

)n %he 0ery +eginning of financial year em*loyees are alloca%e- %arge% which are

acce*%e->acknowle-ge +y %hem an- %he *erformance of an em*loyee are accor-ing

re0iewe- a mon%hly>year +asis.

Performance s%an-ar- meas,re %he *erformance is classifie->-efine- as ,n-er.

1 Below a0erage

2 6arginal +,% a+o0e a0erage

" Achie0emen% or %arge% se%.

? A+o0e %arge% marginally

Icellen% *erformance in o0erall segmen% of +,siness.

As -isc,sse- here a+o0e *erformance s%an-ar- are se% %o crea%e an- en0ironmen% %o

enco,rage %o real *erformer in sha*er of salary increase rewar- of +on,s or career

*romo%ion.

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ow -erfor$an%e re-ort are written

he main o+3ec%i0e of %he *erformance managemen% sys%em is %o crea%e an en0ironmen%

which enco,rages em*loyee %o -eli0er high *erformance %o archi0e collec%i0e goals of %he

+ank: more o0er %he *olicy also -is%ing,ish goo- *erformance from *oor *erformance.

Perfor$an%e Re-ort

he a**raisal of a reg,lar em*loyee *erformance is con-,c%e-

@nce in a year howe0er mi-year *erformance is also re0iewe-.

Before finalizing %he a**raisal re*or% of %he em*loyee *erformance an- i%s ranking is

-isc,sse- in -e%ail. he em*loyee a-0ice is shor% coming >weakness an- also a**raise- is

s%reng%h. 4,r%her he is a-0ice how em*loyee can im*ro0e his *erformance an- where he

nee- %raining %o increase working efficiency. He is recommen-e- for %he %raining he nee-. )f

%he em*loyee is no% %he sa%isfie- wi%h %he a**raisal ranking he is gi0ing %he o**or%,ni%y %o

-isc,ss wi%h line manager an- has %o con0inces his +oss wi%h his *erformance an-

achie0emen% of %arge% acce*% +y him.

Perfor$an%e Re!ated as )nder

1. +elow a0erage2. marginally a+o0e a0erage

". who achie0e %he %arge%

?. marginally o0er %arge%

. *erform well in mos% sec%or of +,siness

'nder Perfor$an%eBNon -erfor$er

)n me--ler *erformance re0iew if some em*loyees are no% *erforming goo- an- are

i-en%ifie- as non*erformer>,n-er*erformance %hey are ser0e no%ice %hree mon%h +efore final

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a**raisal an- warran% %o im*ro0e %heir *erformance o%herwise managemen% will +e

concen%ra%ing %o *lace %hem Jnon*erformance Jwill no% +e awar-e- gra-e- )ncremen%

*erformance +on,s an- career *romo%ion. )f %he em*loyee %ake %he +enefi% from %he

o**or%,ni%y an- im*ro0e *erformance he is *lace in lis% of *erformance.

< E$-!oyee "o$-ensation and 1enefits

8B9 managemen% offer *ri0a%iza%ion re0ise- salary *ackage of em*loyees in all ca%egory an-

remaine- on %o* in +anking in-,s%ry *aying goo- salary an- rem,nera%ion %o i%s s%aff which

was acknowle-ge- %hro,gh high *erformance +y s%aff for ra*i- grow%h in ,*war- %ren- an-

+,siness of achie0emen% ra*i-ly grow.

he managemen% of +ank con%in,e- %o awar- *erformance %hro,gh salary a-3,s%men%

career *romo%ions an- e%ra or-inary +on,ses.

SE"TION 56 PA0

"O/ERA3E AND S"OPE

Ice*% as o%herwise *ro0i-e- in %hese r,les %he *ay allowances of an em*loyee shall +e

reg,la%e- in accor-ance wi%h %he s%aff ser0ice r,les.

PA0 AND 3RADES

Pay of each em*loyee shall +e -e%ermine- as *ay -efine- in each em*loymen% gra-e

a**ro0e- +y %he Boar- of Direc%ors.

REFIATION OF PA0

)n %he e0en% of re0ision of *ay a% any %ime %he *resi-en% shall ha0e %he *ower %o lay -own %he

Princi*les for %he reifica%ion of %he *ay of %he em*loyees affec%e-.

SPA"IAL PA0 AND ALLOCN"ES

he gran% of s*ecial *ay or allowances %o %he hol-er of any *os% or %o any o%her em*loyee

shall reK,ire %he sec%ion of %he A,%horize- Person.

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a. T0PES OF "OMPENSATION AND 1ENEFITS

SE"TION II

2INDS OF ALLOCN"ES

A% 8B9 following allowances shall +e a-missi+le %o all em*loyees a% %he

*re-e%ermine- ra%es:

o)se rent a!!owan%e

'ti!ity a!!owan%e

Medi%a! a!!owan%e

Petro! %ei!in#

Ed)%ation

Along wi%h %he a+o0e men%ione- allowances em*loyees shall +e en%i%le- for any o%her

allowances an- +enefi%s which may +e a**ro0e- +y %he Presi-en% from %ime %o %ime. he *ay

*ackages of local +ase- s%aff are *re*are- in accor-ance wi%h %he local la+or laws

>reg,la%ory reK,iremen%s of res*ec%i0e co,n%ries.

PRO/IDENT& PENTION F'NDS AND OTER 1ENEFITS

S"EMES.

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All em*loyees a% 8B9 in %he *ermanen% ser0ice of %he Bank in Pakis%an shall +ecome

mem+ers of Bank;s Pro0i-en% f,n- +ene0olen% f,n- Pension an- >or gra%,i%y an- gro,*

ins,rance scheme.

LEA/ES

here are -ifferen% %y*es of lea0e a% 8B9 -e%ail as gi0en +elow:

"AS'AL LEA/ES

PRI/ILE3E LEA/ES

SI"2 LEA/ES

Im*loyees shall +e allowe- %o a0ail lea0es as *er %he 9ea0e Policy of Bank e.g.

LEA/E EN"ASMENT,

1 -ays man-a%ory 9ea0e m,s% +e a0aile- +y each em*loyee an- af%er a0ailing %ha% lea0e

encashmen% is *ro0i-e %o %he em*loyees.

EO1I

Im*loymen% @l- Benefi% facili%y has +een *ro0i-e- %o e0ery Person working in %he 8B9.

Iach em*loyees is -e-,c%e- Rs !#> from %heir salaries which s,+mi%%e- agains% %he f,n-.

Medi%a! Pro#ra$

Pro0i-es com*rehensi0e me-ical co0erage for em*loyee an- his family. Co0erage choices

incl,-e -ifferen% le0els of me-ical co0erage an- cos% le0els incl,-ing o*%ions %ha% allow

em*loyee %o enroll in a Heal%h $a0ings Acco,n% 'H$A(.

$ys%ema%ic lowcos% way %hro,gh *ayroll -e-,c%ions.

Or#anizationa! "areer Mana#e$ent

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Pro$otion6

I0ery year %he managemen% of %he +anks anno,nce *romo%ion of officer>eec,%i0e on %he

+asis of %heir *erformance an- recommen-a%ion of %he regional manager an- general

manager.

$o for as %he *romo%ion of %he nonclerical %o clerical an- from clerical %o officer gra-e are

s,gges% %o K,alifica%ion.

Clerical s%aff %ha% are gra-,a%e is eligi+le for *romo%ion s,+3ec% %o clear wri%%en %es% an-

in%er0iew.

NonClerical who are in%erme-ia%e are eligi+le for *romo%ion for clerical if %hey *ass wri%%en

%es% an- in%er0iew. D,ring 2##!>#< *romo%ion is Sar#odha %ir%!e -eclare- +y %he

managemen% as ,n-er

Transfer6

As *er *olicy of +ank e0ery s%aff mem+er who com*le%e %hree year s%ay in +ranch an- office

is %ransferre- %o o%her +ranch>office some%ime for a-3,s%men% *,r*ose some em*loyee are

%ransferre- +efore %hree years s%ay.

Regional 6anager is com*e%en% %o %ransfer clerical an- nonclerical s%aff. whereas he

recommen-e- for %heir %ransfer %o 5eneral manager who iss,e %ransfer or-er of officers %o

gra-e 1 an- recommen-e- %he %ransfer of eec,%i0e ALP an- a+o0e %o gro,* hea- who

iss,e or-er *os%ing of manager is +ase- on recommen-a%ion of regional managers.

37 | P a g e

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Promo%ion 2##< 2##&

ALP%oLP N)9 1

5R1%oALP ! "

5R2%o5R1 ! 11

5R"%o5R2 1? 1

C9IR)CA9%o5R" N)9

N@N C9IR)CA9%o

C9IR)CA9

N)9 N)9


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Howe0er freK,en% %ransfer of an em*loyee is no% consi-ering a goo- change>on his

*erformance.

De$otion

Demo%ion of a-0erse of *romo%ion. Demo%ion is only recommen-e- when an em*loyee

commi%s an ac% of gross miscon-,c% 0iola%ion of *roce-,ral ins%r,c%ion.

he acc,se- is charge- shee%e- for %he gross miscon-,c% commi%%e- an- la%er on -e%aine-

enK,iring con-,c%e- where acc,se- is gi0en f,lly o**or%,ni%y %o -efen- himself.

a. Se-aration

Lay off

Bank offers 5ol-en $hake han- scheme %o i%;s em*loyee when %he work in %he +ank

+ecomes 0ery less an- increase in cos% -,e %o large n,m+er of em*loyee his is +eca,se

of com*,%erize- +anking which re-,ce %he workloa- as well as cos% also as a res,l% +ank

offer a%%rac%i0e gol-en han-shake scheme o%her incen%i0e %o i%s em*loyee so %ha% cos%

co,l- +e minimize- wi%h increase in *ro-,c%i0i%y an- +ank %ake %he s%e* of laying off i%s

em*loyee +,% re-,n-ancy ha0e %o *ay %o %he layoff em*loyee as a com*ensa%ion .

Ter$ination

An em*loyee %ermina%e- when he is in0ol0e- for

6isa**ro*ria%ion of +ank f,n- for c,s%omer money

Pocke% +anking

Commi%men% of fra,- or in%en%ionally in0ol0ing fra,-

$%ock $hor%age

Resi#nation

)n *resen% com*e%i%i0e a%mos*here in +anking in-,s%ries em*loyee allows %o resign from

ser0ice s,+3ec% %o gi0e no%ice are -e*osi% salary in lie, of %hree mon%hs; no%ice *erio-. )f he is

confirme- em*loyee. /hen an em*loyee s,+mi% resigna%ion his imme-ia%e +oss in reK,es%

%o imme-ia%ely sen- no%ice>resigna%ion %o H,man Reso,rce Di0ision for %heir informa%ion.

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41/86


he Acco,n%s -e*ar%men% of 8B9 mainly -eals in %he acco,n%s of c,s%omer main%aine- a% %he

+ank. he acco,n%ing +ook main%aine- for %his ser0ices is known as cash+ook. he

s,mmary +ook an- le-ger are main%aine- %hro,gh com*,%er.

he cash+ook is ,se- for +alancing %he cash recei0e- an- cash *ai- a% %he en- of %he -ay.

2inds of A%%o)nts6

i C,rren% Acco,n%

ii $a0ing Acco,n%

iii 4ie- Acco,n%

A%ti(ities in re$ittan%e de-art$ent

his -e*ar%men% is concerne- wi%h %he %ransfer of money from one *lace %o ano%her. )n %his

0ario,s mo-es of %ransferring money are a0aila+le which are -isc,sse- +elow.

A. Mai! Transfer >MT?6

)n %his %he money is %ransfer from one *lace %o ano%her +y mail. )f %he *erson is acco,n%

hol-er of %he +ank %hen %he +anker -e+i% his acco,n% wi%h %he amo,n% of money he wan%s %o

%ransfer. he concerne- +ank officer will *re*are %he necessary 0o,chers %o make %he mail%ransfer com*le%e. )% con%ains on:

1 Debit /o)%her6 De+i%ing %he acco,n% hol-er for %he amo,n% %o +e sen% *l,s %he

commission an- *os%age charge-.

2 "redit /o)%her6 cre-i% %he -rawer +ranch

" Mai! Transfer Re#ister6 he remi%%ance is en%ere- in %he mail %ransfer iss,e regis%er.

B,% if %he *erson is no% an acco,n% hol-er in %he ini%ia%ing +ranch %hen he has firs% %o

-e*osi% %he s%a%e- money wi%h %he same +ank an- %hen %he a+o0e *rocess s%ar%s.

1. Te!e#ra-hi% Transfer >TT?6

Peo*le who wan% %o %ransfer money K,ickly an- wi%ho,% -elay ,se %his %y*e of %ransferring

money. his %y*e of %ransfer is also 0ery sim*le. he *erson who wan%s %o %ransfer money

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fills %he a**lica%ion form. he a**lican% aske- %o -e*osi% money %o +e remi%%e- *l,s %he

amo,n% of commission an- %elegra*h charges. Af%er %he amo,n% is -e*osi%e- wi%h cashier

%he officer incharge remi%%ances will *re*are %he message. he message also carrie-

a %es% n,m+er which is a s,m of 0al,es -eri0e- from n,m+er i%ems like -a%e amo,n% an-

%he -rawer +ranch consec,%i0e n,m+er e%c. %hen %his %elegram is sen% %o %he +ank where %he

money is %o +e %ransferre-. Af%er recei0ing %he %elegram %he -rawer +ank makes *aymen%

af%er %he %es% n,m+er is correc%ly -eco-e- accor-ing %o %he *roce-,re *rescri+e-.

". De$and Draft >DD?

)n %his way %he *erson who wan%s %o remi% money goes %o %he +ank an- fills %he a**lica%ion

form +y filling %he name of %he -rawer +ranch amo,n% an- %he *ayee;s name. he amo,n% %o

+e remi%%e- is -e*osi%e- wi%h %he cashier along wi%h %he commission on DD an- %he in chargeof remi%%ances -e*ar%men% will *re*are %he ins%r,men%. )% is signe- +y %wo officers of %he

+ranch an- is %hen han-e- o0er %o %he a**lican%. he amo,n% can +e recei0e- +y *resen%ing

DD %o %he -rawer +ranch *ersonally or %hro,gh a +ank.

D. 'nire$ote >ON LINE TRANSFER?.

)% is %he mos% fas%er %ransfer of money from one +ank %o ano%her wi%h in %he co,n%ry.

horo,gh on line facili%y yo, can %ransfer %he amo,n% from one ci%y %o ano%her ci%y in no %ime

wi%ho,% commission 'if yo, are acco,n% hol-er of %he Bank(.

)n %his me%ho- %he %ransferor A>c are De+i%e- +y %he Bank an- %he %ransferee A>c are Cre-i%e-

'%o whom %he amo,n% is %ransferre-( +y his Bank where he has A>c.

he amo,n% is %ransferre- in no %ime. @nline %ransfer +ring grea% re0al,a%ion in %he +,siness

worl- an- make +,siness more sec,re an- fas%.

he %ra-er %ransfer money %o %he seller %hro,gh +ank an- %he seller sen% goo-s %o %he +,yer

as soon as *ossi+le an- %h,s +,yer sa0e his %ra0eling charges as well as he also no% close

his +,siness of %he +,ying of goo-s for %he +,siness.

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A%ti(ities in %ash de-art$ent

@ne of %he im*or%an% f,nc%ions of %he +ank is %o recei0e s,r*l,s money from %he in-i0i-,als

firms an- ins%i%,%ions e%c. )% can +e sai- a+o,% %he -e*osi% %ha% i% is %he life+loo- of any +ank.

A +ank ca+ no% r,ns i%s +,siness wi%ho,% %he -e*osi%s.

he +ank ,s,ally recei0es -e*osi%s in %he following %y*e of acco,n%s which are as ,n-er.

5 C,rren% Acco,n%

8 $a0ing De*osi% Acco,n%

9 4ie- De*osi% or ime De*osi%

; Call De*osi%

he classifica%ion of -e*osi% chiefly on %he +asis of %ime an- %he *,r*ose for which %he

acco,n% is o*ene- wi%h %he +ank.

FOREI3N E"A3E DEPARTMENT

)n %o-ay;s worl- no one co,n%ry can kee* i%self selfs,fficien% in e0ery area of life. $o %hey

ha0e %o %ra-e wi%h o%her co,n%ries for %he %hings which she -oes no% ha0e. B,% s,ch

B,siness reK,ire- a me-i,m of Ichange which is acce*%a+le %o %he co,n%ries concerne-.

$o %hey ,s,ally -o +,siness %hro,gh %he me-i,m of s%a+le c,rrencies of %he worl-.

4or s,ch )n%erna%ional B,siness %ransac%ion %he +ank ,%ilize %he ser0ice of i%s 4oreign

Ichange De*ar%men%. he -e*ar%men% *lays 0ery cr,cial an- im*or%an% role in in%erna%ional

%ra-e. he ser0ice which 4oreign Ichange De*ar%men% of %he +anks offers is %he *arallel

+anking wi%h general +anking an- a--i%ional f,nc%ion of im*or% an- I*or% B,siness

con%rolle- +y $%a%e Bank of Pakis%an. he r,les an- reg,la%ions are frame- +y %he $BP.

)n 8B9 i%s foreign echange -e*ar%men% as *er $BP reg,la%ions carries o,% %he in%erna%ional+anking. he $BP eercises f,ll con%rol o0er %he 4oreign Ichange B,siness. No

%ransac%ion is consi-ere- effec%i0e wi%ho,% *ermission from %he $BP ,n-er 4oreign Ichange

con%rol Ac% 1=?


44/86


Any %ransac%ion in %he in%erna%ional Banking shall +e carrie- o,% a% ra%es -e%ermine- +y %he

$BP. 4or %his *,r*ose %he $BP fi %he ra%e of 8$ -ollar wi%h o%her c,rrencies. 4oreign

Ichange ra%e commi%%ee in Farachi Hea- @ffice -oes %his +y %he form,la a**ro0e- +y $BP

an- as *,+lishe- -aily. )% also makes s,re %he ra%es a**ro0e- are con0eye- %o %he +raches

on %he same -ay.

4oreign Ichange De*ar%men% *ro0i-es %he following ser0ices %o %he c,s%omer.

4oreign Ichange C,rrency Acco,n%s

4oreign Ichange Remi%%ance 4acili%y

a. Forei#n ")rren%y A%%o)nt6

J5o0ernmen% of Pakis%an has in%ro-,ce- many im*or%an% reforms in foreign echange con%rolin %he co,n%y in 4e+r,ary 1==# for %he *,r*ose of s%reng%hening foreign echange reser0e.

8B9 as an a,%horize- commercial +ank offer %he facili%y of foreign c,rrency acco,n% in fo,r

c,rrencies which are 8$ Dollar Ea*anese en 5erman 6ark an- 8F Po,n- s%erling.

he foreign c,rrency acco,n% facili%y +y 8B9 is a0aila+le +o%h for Pakis%ani ci%izen c,rrency

acco,n% is similar %o o*ening of local c,rrency acco,n%. he acco,n% may +e an in-i0i-,al or

3oin% acco,n%. here are %wo %y*es of foreign c,rrency acco,n%.

")rrent A%%o)nt

Sa(in# A%%o)nt

i. ")rrent A%%o)nt6

E,s% like local c,rrency c,rren% acco,n% hol-er no in%eres% is gi0en %o %he foreign

c,rrency acco,n% hol-er. 4oreign C,rrency A>C are also eem*%e- from Zaka% )ncome a

/eal%h a %he Acco,n% hol-er can shif% his money a+roa- %hro,gh 4oreign Ichangeremi%%ance ser0ices.

ii. Sa(in# A%%o)nt6

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)m*or% 4inance

he +anks also a-0ance %o small size +,sinesses an- cons%r,c%ion com*anies e%c. 6any

8B9 Branches are ha0ing -e*ar%men%s for gran%ing a-0ances %o %he +orrowers. Normally i%

is res*onsi+le for *erforming %he following f,nc%ions.

a o han-le all %he cases of shor% or long %erm loans.

+ o *rocess all %he cases concerne-.

c o forwar- %he cases for a**ro0al an- consi-era%ion %o %he higher

a,%hori%ies.

- Direc% -ealing wi%h %he +orrowers.

e o ins,re %he -is+,rsemen% of loan.

f o inform %he high a,%hori%ies a+o,% 0ario,s loans.

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he a+o0e *lans can +e c,s%omize- f,r%her %o mee% yo,r nee-s +y a%%aching %he

following ri-ers wi%h %he +asic *lan

Additiona! ter$ ass)ran%e

his ri-er increases %he le0el of life co0er +y *ro0i-ing an a--i%ional amo,n% in

he range of #S %o "##S of %he s,m ass,re- > ins,rance co0er of %he main *lan.

Life%are benefits

@n %he -iagnosis of a cri%ical illness %his ri-er *ro0i-es an a--i%ional amo,n% eK,al %o

%he +asic s,m ass,re- > ins,rance co0er. he +asic *olicy con%in,es af%er %his *aymen%.

Cai(er of -re$i)$ rider

)n case %he life ass,re- is ,na+le %o con%in,e his>her occ,*a%ion -,e %o

sickness or acci-en% %he con%ri+,%ion %o %he *lan will +e ma-e +y I48 9ife.

Fa$i!y in%o$e benefit rider

)n case of -ea%h of %he in-i0i-,al -,ring %he %erm of %his ri-er a mon%hly income of 1S

or 2S of %he +asic s,m ass,re- > ins,rance co0er is *ai- for %he remaining %erm %o his family.

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Ratio ana!ysis

Non interest in%o$e to in%o$e ratio

For$)!a 0ear 8G5< 0ear 8G5;

Non)n%eres%

income>income

21"!11?


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S-read Ratio


)n%eres% Iarne->

)n%eres% I*ense

&"&&?!!&!

2.21%imes

11&2?"11"

2.#"S

1=


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year 2014

year 2015

1.7 1.75 1.8 1.85 1.9 1.95 2 2.05

Return on asset ratio

return on asset

Ret)rn on E@)ity


Ne% )ncome 'af%er

%a(>

$harehol-er;s

IK,i%y

2?#2?">1#2#"?1

2".S

1=


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year 2014

year 2015

0.87 0.88 0.88 0.88 0.88 0.88 0.89 0.89 0.89 0.89

Debt ratio

"e#t ratio

DebtBE@)ity Ratio


9ia+ili%ies> IK,i%y 1#??=?&#2>1#2#"?11#.2?%imes

=


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year 2014

year 2015

10.14 10.16 10.18 10.2 10.22 10.24 10.26

Debt to e-uit. ratio

"e#t to e!uity ratio

Ad(an%esBDe-osits Ratio


A-0ances

>-e*osi%s

?#=1=#22=!

?&&=2!#"

?S

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year 2014

year 2015

44 44.5 45 45.5 46 46.5 47 47.5

dvances to deposits ratio

$d%ances to deposits

ratio

O-eratin# "ash F!ow Ratio


Cash 4low from

o*era%ion>C,rre

n% 9ia+ili%ies

"1!!##!=1T&&=2!

#"

11S

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year 2014

year 2015

0 2 4 6 8 10 12

3.9

Operatin) cas, o0 ratio

xis 1itle

Earnin# Per Share >EPS?

For$)!a 0ear 8G5< 0ear 8G5;Ne% )ncome

>N,m+er of

@,%s%an-ing

$hares

2?#2?">12?"


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year 2014

year 2015

0 5 10 15 20 25

Earnin) per s,are

&arning per s'are

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Inter-retation of finan%ia! ratios

Noninterest in%o$e to in%o$e ratio

Nonin%eres% income is lower in 2#1 as com*are %o 2#1? means in%res% is increasing an-

*ro*or%ion of income is more +y in%eres% .

S-read Ratio

he in%eres% earne- is 2.21 %imes grea%er as com*are %o %he in%eres% e*enses. he ra%io is

higher for %he year 2#1 as com*are %o %he recen% years. his shows %ha% %he +ank is s%ri0ing

%owar-s s,ccess an- con%rolling %heir e*enses 0ery well.

Ret)rn on asset ratio

he Re%,rn on Asse%s Ra%io is %he rela%ionshi* +e%ween %he *rofi%s of yo,r com*any an- yo,r

%o%al asse%s. )% is a meas,re of how effec%i0ely yo, ,%ilize- yo,r com*any;s asse%s %o make a

*rofi%. )% is a common ra%io ,se- %o com*are how well yo, *erforme- in rela%ionshi* %o yo,r

*eers in yo,r in-,s%ry.

R@A ra%io is goo- in 2#1 as 2.#" more %han *re0io,s in recen% years i% was effec%e- +y floo-

+,% now +ank has reco0re- an- %herefore ra%io has increase- in year 2#1.

Ret)rn on e@)ity ratio

R@I means re%,rn yo, ge% on yo,r eK,i%y i% was 2#.! in 2#1? +,% now in 2#1 ". means

increase- so +ank is %owar- s,ccess.

Debt ratio

)n 2#1 &&S means %o%al lia+ili%ies are && *ercen% more %han asse%s of +ank +,% -e+% ra%io is

less as com*are- %o 2#1? which is goo- for +ank %o *rocess.

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Debt to e@)ity ratio

he lia+ili%ies are 1#.2? as com*are %o eK,i%y in 2#1 +,% less from 2#1? as 1#.1& in recen%

so increase- a li%%le +i% ok +,% sho,l- con%rolle-.

Ad(an%es to de-osit ratio

his means *ercen%age of a-0ances gi0en +y +ank in 2#1 i% is ?


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• he +ank has s%a+le grow%h in -e*osi%s since i%s emergence.

• he loan facili%y *ro0i-e- +y %he +ank is on so,n- +asis. hey ha0e many checks an-

-oc,men%a%ion %ha% sec,re %heir money af%er a-0ancing.

•

Beca,se of i%s 1#! Domes%ic Branches %hey ha0e 0ery goo- infras%r,c%,re an- are*re0ailing now o,%si-e Pakis%an also.

• Lery im*or%an% as*ec% of '1L is i%s fas% ser0ice. I0ery%hing goes 0ery K,ickly. )f yo,

are looking for a loan or yo, wan% %o -e*osi% money or yo, wan% %o *ay yo,r +ills %heir

ser0ices are so fas% %ha% %hey res*on- %he c,s%omers 0ery K,ickly.

• '1L has financial s%reng%h as %hey are gaining *rofi% from %he a-0ances %ha% %hey

*ro0i-e %o %he organiza%ions.

• '1L is *ro0i-ing lo% of ser0ices %o i%s c,s%omers like incase of remi%%ances %hey ha0e

ser0ices like online ser0ices.

• he 6anagemen% has change-: em*loyees which are ,seless are fire- an- new

e*erience- gra-,a%es are hiring %o enhance %he o*era%ions of %he +anks %he

em*loyees which are efficien% %hey are ge%%ing *romo%e-.

• Beca,se of i%s K,ali%y managemen% marke%ing inno0a%ion in *ro-,c%s an- ser0ices

%hey ha0e es%a+lishe- a goo- re*,%a%ion in %he +anking sec%or.

• )n '1L %he working en0ironmen% is 0ery goo-. I0ery em*loyee comes %here an-

works wi%h zeal hear%ily.

• Cer%ain %raining *rograms are arrange- o,%si-e %he working en0ironmen% %o %rain an-

refresh %hem or en%er%ain %hem.

CEA2NESSES

he h,man reso,rce -e*ar%men% is no% *erforming well in %he organiza%ion.

• Bank is no% in%ro-,cing new *ro-,c%s %hese -ays so +ank sho,l- +oos% %he *ro-,c%

-e0elo*men% an- increase %he range of facili%ies offere- for c,s%omers. An- %he ra%es

of in%eres% on i%s 0ario,s *ro-,c%s ha0e +een re-,ce-.

• Bank is ,n-er s%aff so a+sence of mem+ers crea%e *ro+lem

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• All %he +ranches are no% com*,%erize-.

• 8B9 is cen%ralize-. )% means a,%hori%y is no% -elega%e- %o +ranch le0el. 6anager

canno% %ake ini%ia%i0e regar-ing -ifferen% -ecisions s,ch %ha% for gi0ing finance.

•

he ma3ori%y of *eo*le are no% well aware a+o,% %he *ro-,c%s of '1L. )% is -,e %o %heir 0ery low ser0ices of *romo%ional ac%i0i%y.

• here is low le0el of mo%i0a%ion in %he em*loyees of %he +ank

• 8B9 6anagemen% has a-o*%e- reac%i0e a**roach %hey res*on- %o %he marke% 0ery

slow an- are rel,c%an% %o %ake ini%ia%i0e +efore %he *ro+lem arises.

OPPORT'NITIES

•

5o0ernmen% is %aking 0ery +ol- s%e*s %o *romo%e ) in Pakis%an.'1L

has ano**or%,ni%y %o im*ro0e in ) s%ock echange is 0ery 0ola%ile an- %akes imme-ia%e

effec% so in %imes of crises conser0a%i0e in0es%ors %,rns %o sa0ing -e*osi%s.

• '1L is s,rro,n-e- +y many com*e%i%ors i% has an o**or%,ni%y %o aggressi0e marke%ing

%o increase i%s +,siness.

• @ne co,l- fin- o**or%,ni%ies in goo- marke%ing: i% co,l- also hel*f,l in +ank;s

*romo%ion.

• 6o+ile +anking is a conce*% %ha% has s%ar%e- %o fin- i%s roo%s in %he +anking sec%or. $o

i% is a +ig o**or%,ni%y for '1L %o a0ail %his chance a% +ig le0el.

• @**or%,ni%ies eis% for e*ansion of '1L chains in %he )n%erna%ional Arena: Par%ic,lar

)n0en%ion m,s% +e gi0en %o %he in-i0i-,al co,n%ry;s c,s%oms an- c,l%,ral *rac%ices %o

+e s,ccessf,l.

• '1L sho,l- organize %ra-e shows for %he *romo%ion of e*or% for %ha% %hey sho,l-

finance %he com*anies %hose who wan%e- %o in%erna%ionalize an- wan%e- %o in%ro-,ce

%heir *ro-,c% an- ser0ices o,%si-e Pakis%an.

• 9i+eraliza%ion is a conce*% %ha% is ,n-er -isc,ssion aro,n- %he worl- as %his is going %o

+e im*lemen%e- +y /@ in a few years %o come. $o kee*ing in 0iew %hese

*ers*ec%i0es %here is grea% o**or%,ni%y for 8B9 %o +e s%ronger.

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• An e%ernal o**or%,ni%y eis%s in effor%s %o im*ro0e %he social en0ironmen% of local

comm,ni%ies an- socie%y in general +y offering inno0a%i0e comm,ni%y in0ol0emen%

*rograms.

TREATS

• 8B9 has many com*e%i%ors who are con%in,o,sly increasing %heir *ro-,c%s an-

marke%ing aggressi0ely i% may ca,se i%s c,s%omer %o shif% %o i%s com*e%i%ors.

• he ra*i-ly changing en0ironmen% in %he +anking sec%or an- %he K,ick res*onse of %he

o%her +anks %o %hese changes can +e a %hrea% for 8B9.

• /ha% c,s%omer really wan%s is a -iffic,l% %hing %o i-en%ify as %o i-en%ify %he c,s%omer

*erce*%ion an- i%s +eha0ior is com*le *roce-,re. $o %he changing nee-s of %he

c,s%omer can +e a %hrea% for %he +anks.

• Changing 5o0ernmen%al Policies ins%a+ili%y in Poli%ics can +e seen as a %hrea% for %he

+anking sec%or.

• Com*e%i%ion can +e %he grea%es% %hrea% for %he 8B9. As ol- +anks ha0e s%ar%e-

changes an- many new +anks are emerging as a s%rong en%i%y so 8B9 will face a

s%rong %hrea% from %his com*e%i%ion ,nless a-o*% *ro ac%i0e a**roach %o han-le

%hese %hrea%s.

he *oli%ical con-i%ions of %he co,n%ry affec% %he +anks *erformance.

• he analysis of s%reng%hs weaknesses o**or%,ni%ies an- %hrea% as narra%e- a+o0e

%ells ,s a+o,% %he *resen% 0i%al concern acco,n%ing a%mos*here. 8n-ers%an-ing %he

financial sys%em.

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"ON"L'SIONS

8ni%e- Bank 9imi%e- '8B9( is %he one of %he larges% +ank in Pakis%an an-

Ranke- 1 %o " in Asia. /hen ) go% a -ee* s%,-y a+o,% %his +ank i% was 0ery

Diffic,l% for me %o check o,% %he key fac%ors which make 8B9 JHI BI$. A

h,ge ne%work larges% n,m+er of +ranches i% is 0ery -iffic,l% %o con%rol

@rganize an- kee* %he ins%i%,%e on a *rogressi0e way. /hen ) s%,-ie- a+o,%

8B9 ) am on %he *oin% %ha% %o* le0el managemen% *olicy makers ha- a h,ge

con%ri+,%ion for 8B9 +,% %he mos% im*or%an% role is *laye- +y H,man

Reso,rce De*ar%men% 'HR(.

As %he Bank is %he 4inancial )ns%i%,%ion an- i%s ma3or -ealings are in -e*osi%

an- len-ing +,% wi%ho,% H,man Reso,rce no%hing is *ossi+le. As h,man

reso,rce is %he mos% im*or%an% in any @rganiza%ion an- as sai- earlier H,man

Reso,rce De*ar%men% *lays a 0i%al role for 8B9. here is a s*ecific s%r,c%,re

@f HR De*%. %ha% is calle- h,man reso,rce managemen% 'HR6( in %he@rganiza%ion an- i% has a *ar%ic,lar *rocess of HR6.

he role of HR6 is 3,s% like a h,+ %o manage i%s h,man ca*i%al in or-er %o

mee% %he organiza%ional goals an- o+3ec%i0es. HR6 *rocess in %he

organiza%ion in0ol0es all %he s%akehol-ers %o ha0e %heir in*,% in organizing

*lanning -e0elo*ing an- con%rolling %he h,man reso,rce. H,man reso,rce

-e*%. also forecas% f,%,re HR nee-s '-eman-( forecas% f,%,re

)n%ernal>e%ernal can-i-a%es 's,**ly(. 6oni%or an- e0al,a%e res,l%s an-

forecas%ing HR reK,iremen%s. here are -ifferen% me%ho-s an- a**roaches

,se- %o forecas% HR nee- an- -eman-s.

H,man Reso,rce De*ar%men% *lays %he key role in em*loyee recr,i%men%

an- selec%ion. An- %herefore in%ernal an- e%ernal so,rces ,se- as well. he

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recr,i%ing *rocess ini%ially s%ar%s wi%hin %he organiza%ion. he recr,i%men%

sec%ion %ries %o e*lore %he reK,ire- h,man ca*i%al wi%hin %he organiza%ion

+,% as we know 8B9 is %he larges% Bank in Pakis%an an- -ay +y -ay i%s reK,iremen%s

regar-ing s%aff are more an- more so i% nee- %o recr,i% from

e%ernal so,rces as well.

he working a%mos*here of %he +ank is K,i%e frien-ly. his 0ery c,l%,re of %he

8B9 is seen in %he norms of e*ec%e- +eha0iors 0al,es *hiloso*hies ri%,als

an- sym+ols ,se- +y i%s em*loyee. his c,l%,re an- a%mos*here ha0e +een

e0ol0e- o0er a *erio- of %ime. 6anagers an- s,*er0isors m,s% consi-er %he

c,l%,re of %he +ank as a key fac%or +eca,se o%herwise ecellen% s%ra%egies can

+e nega%e-.

$o a goo- an- sa%isfie- h,man reso,rce is 0al,a+le an- has no al%erna%i0e.

As a h,man +eing we always e*ec% a lo% from any o%her one an- %he same

wi%h %he 8B9. Clien%s always comes %o yo, wi%h a ho*e an- i%;s %he

res*onsi+ili%y of em*loyee %o f,lfill %ha% an- i%;s only +eca,se of %he grow%h

an- -e0elo*men% of %he em*loyee. An- %he grow%h an- -e0elo*men% sho,l-

+e %he res,l% of +o%h %he +ank res*onsi+ili%y an- %he em*loyee;s ini%ia%i0e.

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Re%o$$endations

$ince %he Bank was es%a+lishe- in 1== an- has com*le%e- # years of i%s life s,ccessf,lly.

)% is s%rongly recommen-e- %ha% +ank managemen% sho,l- *ay s*ecial a%%en%ion %owar-s %his

im*or%an% iss,e for %he men%al sa%isfac%ion an- +e%%er f,%,re of %he em*loyees. No -o,+% %he

em*loyees are sa%isfie- wi%h %he +ank;s *resen% managemen%.

• he co,n%er ser0ice +e im*ro0e- f,r%her for c,s%omer sa%isfac%ion %hro,gh mo-ern

facili%ies for ra*i- -eli0ery of financial *ro-,c%s ser0ices.

• Risk managemen% on *ar% of manager is key *layer in cre-i% managemen% which nee-s

im*ro0emen%. He is recommen-ing officer sanc%ioning a,%hori%y '-e*en-s ,*on

-oc,men%s of em*owermen%( cre-i% a-minis%ra%or in %r,e sense a moni%or of %he

same. ha% sho,l- +e -isco,rage-.

• )m*lemen%a%ion of %he r,les reg,la%ions an- *olicies sho,l- +e ens,re- %hro,gh +e%%er

managemen%.

• H,man reso,rce -e0elo*men% nee-s a lo% of in*,%.

• Physical infras%r,c%,re is %o +e im*ro0e-.

• A-0ances %o %he non*ro-,c%i0e in0es%men%s sho,l- +e s%o**e-

• he +ank sho,l- -e0elo* a com*rehensi0e recr,i%men% *olicy in or-er %o ha0e %he

com*e%en% *eo*le.

• 4or %he -e0elo*men% of %he h,man ca*i%al %he +ank sho,l- con-,c% a series of %raining

*rogram %o achie0e %he mission.

• 4as% comm,nica%ion an- %rans*or%a%ion facili%ies sho,l- +e *ro0i-e %o sales an-

marke%ing s%aff.

• $%aff re%iremen% +enefi%s sho,l- +e in%ro-,ce-.

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F)t)re Pros-e%ts of '1L

.

8B9 is no% only working for %he cor*ora%e sec%or +,% i% also working for %he -e0elo*men% of

or-inary man +y facili%a%ing himself +y 0ario,s *rogram. he 8B9 is looking forwar- for %he

+e%%er of low income *eo*le es*ecialy. Recen%ly 8B9 has -e0elo*e- small +,siness

schemes. Als ogoo- ra%es acco,n%s for or-inary *e*ole an- B,sinessmen. he 8Bl Recen%ly

iss,es %he Per-ais Car- for free foreign remi%%encce Also iss,eing many o%her /)Z car-s for

s%,-en%s Ho,se /i0es an- chil-ren.

he 8B9 is growing a% a ra*i- ra%e no% only in Pakis%an +,% also in 8AI an- so3me e,ro*ean

co,n%ires. 8B9 make +anking easy an- comfor%a+le for an or-inary *erson. )% is %he mos%

relai+le +ank where yo, come firs%.

he 8B9 can en3oy han-some re%,rn any -i0ersify i%s f,n-ing +ase +y in0es%ing in%o ca*i%al

marke% of o%her co,n%ries. $o i% will ena+le i% %o es%a+lish name recogni%ion in %he worl-.

Des*i%e of *oor c,s%omer ser0ice of o%her Bank;s *eo*le s%ill come %o 8B9 +eca,se of i%s

goo- will as %hey feel i%s sec,re %herefore +ank im*ro0e i%s -e*osi%s +y gi0ing facili%y of

nigh% +anking an- also can com*e%e i%s com*e%i%ors wi%h *osi%i0e s%e*s.

)% can es%a+lish a-0isory ser0ices -i0ision in or-er %o facili%a%e %he c,s%omers in0es%ing in

%he sec,ri%ies.

)n or-er %o facili%a%e %he na%ion %he 8B9 can *lay an im*or%an% role in %he -e0elo*men% of

%he following sec%or.

B,siness )n-,s%ry

)m*or% I*or%

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Referen%es

All of %he references an- so,rces from where %he -a%a ga%here- for %his re*or% are

men%ione- herewi%h for yo,r kin- concern.

@rganiza%ion

Ann,al Re*or%s of 8ni%e- Bank 9imi%e-

h%%*>>www.,+l.com.*k>

h%%*>>www.,+l.com.*k>Pro-,c%s>in-e.as*

h%%*>>www.,+l.com.*k>P,+lica%ions>AnRe*or%.as*

h%%*>>www.,+l.com.*k>)slamic>in-e.as*

/e+ Por%als

h%%*>>www.s+*.com.*k

h%%*>>acco,n%ancy.com.*k>for,m

www. in0es%o*e-ia.com

Books

Human Resource Management By 5ary Dessler I-i%ion 1#%h

67 | P a g e

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http://www.ubl.com.pk/http://www.ubl.com.pk/Products/index.aspxhttp://www.ubl.com.pk/Publications/AnReport.aspxhttp://www.ubl.com.pk/Islamic/index.aspxhttp://www.sbp.com.pk/http://accountancy.com.pk/forumhttp://www.investopedia.com/http://www.investopedia.com/http://www.ubl.com.pk/Products/index.aspxhttp://www.ubl.com.pk/Publications/AnReport.aspxhttp://www.ubl.com.pk/Islamic/index.aspxhttp://www.sbp.com.pk/http://accountancy.com.pk/forumhttp://www.investopedia.com/http://www.ubl.com.pk/


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STATEMENT OF FINAN"IAL POSITION AS AT DE"EM1ER 95& 8G5<

Note 8G5< 8G5;

>R)-ees in HGGG?

ASSETS

Cash an- +alances wi%h %reas,ry +anks ! =?#&11"" &!21!1!&Balances wi%h o%her +anks < 12"?"2! 1?"&&2"

9en-ings %o financial ins%i%,%ions & 21="?& 11&=##&2

)n0es%men%s = "?==#1&2 2=??1#!!1

A-0ances

Performing 1# "###&22 "1?1&


69/86

PROFIT AND LOSS A""O'NT FOR TE 0EAR ENDED DE"EM1ER95& 8G5<

Note 8G5< 8G5;

>R)-ees in HGGG?

6ark,* > re%,rn > in%eres% earne- 2? R)-ees?

Earnin#s -er share basi% and di!)ted "" 1?.


70/86


71/86

"AS FLOC STATEMENT FOR TE 0EAR ENDEDDE"EM1ER 95& 8G5<

Note 8G5< 8G5;

"AS FLOC FROM OPERATIN3 A"TI/ITIES >R)-ees in HGGG?

Profi% +efore %aa%ion 2De%rease B >in%rease? in o-eratin# assets"##?


72/86

Di0i-en-s *ai- '1"?!=R)-ees in HGGG?

1a!an%e as at =an)ary 5& 8G5< 122?1


73/86

)n%erim cash -i0i-en- E,ne "# 2#1 -eclare-

a% Rs.2.# *er share '2??&"!#(

)n%erim cash -i0i-en- $e*%em+er "# 2#1 -eclare-

a% Rs.2.# *er share '2??&"!#(

'1"?!=

Note 8G5< 8G5;

E. "AS AND 1ALAN"ES CIT TREAS'R0 1AN2S

>R)-ees in HGGG?

)n han-

9ocal c,rrency 1=1


74/86

FOR TE 0EAR ENDED DE"EM1ER 95& 8G5<

Effe%ti(e date >ann)a!

Standard or Inter-retation

-eriods be#innin# on or

after?

)A$ 1 Presen%a%ion of 4inancial $%a%emen%s Presen%a%ion of )%ems of @%her

E,ly #1 2#1Com*rehensi0e )ncome

)A$ 1= Im*loyee Benefi%s 'Re0ise-( Ean,ary #1 2#1?

)A$ "2 @ffse%%ing 4inancial Asse%s an- 4inancial 9ia+ili%ies 'Amen-men%( Ean,ary #1 2#1

NOTES TO AND FORMIN3 PART OF TE 'N"ONSOLIDATED FINAN"IALSTATEMENTS


. IN/ESTMENTS

Note

8G5< 8G5;

.5 In(est$ents by ty-ee!d by 1an+ 3i(en as Tota! e!d by 1an+ 3i(en as Tota!

%o!!atera! %o!!atera!

e!d for tradin# se%)rities

>R)-ees in HGGG?

6arke% reas,ry Bills "


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6arke% reas,ry Bills ?

%ra-ing sec,ri%ies =.? 22"! 22"! '?"


76/86

Note 8G5< 8G5;

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I.8 In(est$ents by se#$ent

>R)-ees in HGGG?

Federa! 3o(ern$ent Se%)rities

6arke% reas,ry Bills 1=&"


78/86

NOTES TO AND FORMIN3 PART OF TE 'N"ONSOLIDATED FINAN"IAL STATEMENTS


.9 Pro(ision for di$in)tion in (a!)e of in(est$ents6

8G5< 8G5;

>R)-ees in HGGG?

.9.5 @*ening +alance 2


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OTES TO AND FORMIN3 PART OF TE 'N"ONSOLIDATED FINAN"IAL STATEMENTSFOR TE 0EAR ENDED DE"EM1ER 95& 8G5<

55.8 Pro-erty and e@)i-$ent

8G5<

Note

"OSTB RE/AL'ATION A""'M'LATED DEPRE"IATION Net boo+ Ann)a!

At =an)ary Additions B E%han#e B At At =an)ary "har#e for E%han#e B At De%e$ber (a!)e at rate of

5& 8G5< >de!et ions? Other De%e$ber 5& 8G5< the year B Other 95& 8G5< De%e$ber de-re%

ad*)st$ents 95& 8G5< >de-re% ad*)st$ents 95& 8G5< iation J

iation onde!etions?

Owned >R)-eesin HGGG?FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFF

4reehol- lan- "#?1

9easehol- lan- 11


80/86

o-eratin# !ease

)3arah asse%s 11.&


81/86

NOTES TO AND FORMIN3 PART OF TE

'N"ONSOLIDATED FINAN"IAL STATEMENTS FOR TE

0EAR ENDED DE"EM1ER 95& 8G5<

Note 8G5< 8G5;

>R)-ees in HGGG?

58. DEFERRED TA ASSET NET

Deferre- %a 'lia+ili%y( > asse% ne% 12.1 '2

Accelera%e- %a -e*recia%ion '?2!=&( '=


82/86


Note 8G5< 8G5;

59. OTER ASSETS

>R)-ees in HGGG?

)ncome > mark,* accr,e- in local c,rrency 11? mark,* accr,e- in foreign c,rrency 2!?


83/86

NOTES TO AND FORMIN3 PART OF TE 'N"ONSOLIDATED FINAN"IALSTATEMENTS


;9.9 "a-ita! Ade@)a%y Ratio

he ca*i%al a-eK,acy ra%io calc,la%e- in accor-ance wi%h %he $BP7s g,i-elines on ca*i%al a-eK,acy was as follows

8G5< 8G5;

Re#)!atory %a-ita! base

>R)-ees in HGGG?

Tier 5 "a-ita!

4,lly *ai-,* ca*i%al 122?1

Cash flow he-ge reser0e '"22=&( '="


84/86

)n%eres% ra%e risk ?&?" "&"< !=?&#"& ??

IK,i%y e*os,re risk 111


85/86



"redit e-os)res s)b*e%t to Standardized A--roa%h 8G5< 8G5;

>R)-ees in HGGG? >R)-ees in HGGG?

Ratin# A$o)nt Ded)%tion Net a$o)nt A$o)nt Ded)%tion Net a$o)nt

E-os)res%ate#ory B o)tstandin# "RM o)tstandin# "RM

ris+

wei#hts

Cash an- cash eK,i0alen%s 2"

2 "=#"="&= ?2?< "=#"1?2 1=&"12#< &=?# 1=&222!<

"? 1#&!& 1#&!& "#=#! 1 "#=#

! !!21! !!21! !#2?" !#2?"

8nra%e- 21!!#?1 1&1=1" 1=&?#1"&& 21!&


86/86



SE3MENT DETAILS CIT RESPE"T TO 1'SINESS A"TI/ITIES

For the year ended De%e$ber 95& 8G5<

"or-orate Tradin# and Retai! "o$$er%ia! Others Inter se#$ent

finan%e sa!es ban+in# 1an+in# e!i$ination

FFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFFF >R)-ees in HGGG? FFFFFFFFFFFFFFFFFFFFFFFFFFFFF FFFFFFFFFFFFFFFFFFFFFFF

o%al income 2?!=? 112??1"2 "?#1!112 &1#21 1!!&

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