Branch Training presentation

Bahaurabad Branch
 Overview Of the Branch
• Branch code 1007
• Branch Manager Sajjad Hussain Shamjee (SCM)
• Operation Manager Muhammad Raza Alvani(SM)
• Total Deposits 6.5 bn
• Current Deposits 2.6 bn
• Saving Deposits 1.9 bn
• Term Deposts 0.69 bn
• Foreign Currency Deposits 1.2 bn
• Total Income 277.22 mn
• Total Expenditure 165 mn
• Net profits upto 31 August 112 mn
• No. of Accounts at end of August 30,426
• Total Lockers 750 (Availble 200)
 Key Depositors Of The Branch
 Summaiya Builders 350 mn
 A.Majeed & Sons 77 mn
 Crescent Enterprises 53 mn
 Plastic King 12 mn
 Hiba Builders
 Sky Life
 Progressive Public School
 Rehmani Enterprises
 Time Press (Pvt) Limited
 Wahaj Enterprises
 Dauwood Public School
 Deposits Deptt.
Account Opening Section
 Necesssary Documents (Account opening Form, SS Card, FATCA, CRS, Terms &
Condition)
 Fast Opening
-NADRA Verification
-Check Debarred List
-FIU Watch List
-eKYC
 Issuance Of Cheque book/ATM Card/Statement Of Accounts/Account
Maintenance certificate/Witholding Tax Certificate.
 Cash Deptt..
 Total Cash Insurance Limit 100 mn
 Vault Limit 30 mn
 ATM Limit 3 mn
 To access strong room – first enter 4 digit key (to off-set alarm); main door – 2 keys OM, 2 key
BM; grill – 1 key OM, 1 key Chief Cashier; Safe-1 key BM,1 key OM,2 Chief Cashier.
 ATM replenished b/w 9 to 10 am every opening day – Chief Cashier and OM.
 Cash enclosure highly secured – no direct entry into cash-enclosure: first password entry into
remittance/clearing room, then another password entry for entering in cash-enclosure.
 Total 4 cashier and all had different limit.
Remittance..

 Remittance officer Usually performs online transfer and issuance of banker

cheque.
 For issuance of BCs NTN is mandatory.
 Banker cheque charges(Issuance 150+Fed)
 All online remittances, regardless of amount, need authorization.
 UVL (ultra-violet lamp) stamped on instruments Rs. 100,000 and over.
However, officers generally stamp instrument without using UVL – big risk.
 Online transfer charges is PKR 113.
Clearing..

 All the cheque received from our branch customer logded in Normal Outward
clearing.
 Except for instruments issued by NBP, SBP, MCB Islamic and The Bank of
Khyber because these lodged in intercity clearing.
 Same day clearing
 Local USD clearing
Concluding Remarks

 Friendly atmosphere – staff is cooperative and happy to guide.

 Very Busy Branch
 Staff is Overburden with Works.