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Dear Sir,
GOLD LOANS
FINANCE FACILITIES ON MARK UP BASIS AGAINST
PLEDGE OF GOLD ORNAMENTS
The information called for therein should be submitted to this office on or before 08.01.2007.
Yours faithfully,
(ABDUL RASHID)
GENERAL MANAGER(AGRI)
'.055-9200731, 250
'. 055-9200314
Dear Sir,
This has reference to the captioned subject and further to our last letter
No.ROG/CMW/R&P/2010-2011 dated October 04, 2010.
In this connection we invite your attention towards Credit Policy Manual (CPM) 2007
and Rice Policy for the season 2010-2011. Sr.# 9- valuation of collaterals, it is stated
that “Valuation of collateral once made shall be valid for three years unless any
addition has been made in the asset.i.e. revaluation for the purpose of enhancement
of credit facility shall not be allowed before the expiry of 3 years from the date of last
valuation” However, with some exceptions, detailed therein, revaluation can be
made within 3 (three) years.
Keeping in view above you are, therefore, advised to please ensure before preparing/
submitting any finance proposal that:-
(1) The full details of the assets being offered as collateral have been ascertained
to judge its acceptability. The branch Manager while accepting the security as
collateral must consider at least from the following three angles:-
i) Value of Security
ii) Quality of Security
iii) Legal Enforceability of Security
(2) Valuation from a valuator on the PBA approved panel, duly countersigned by
the Branch Manager, should not be more than 3 (three) years back having a
realistic value & must be readily saleable with reasonable ease.
(3) If there is a doubt that the security is overvalued, then second valuation from
another valuator shall also be carried to safeguard the Bank’s interest.
(4) eCIB should be clear.
(5) The finance proposals should be arranged & submitted strictly in the manner
as directed in our letter referred above, through courier otherwise, the
proposals shall be returned for doing the needful.
(6) The Branch Manager and or the credit officer of the branch should follow their
proposals. In no case, any party should visit this office for the purpose
otherwise, his proposal shall not be considered.
Yours faithfully,
The Manager,
National Bank of Pakistan,
Civil Lines Branch,
Gujranwala
Dear Sir,
Please find enclosed copies of annexure of SBP Inspection Report for the year 2006
received from SME-DIVISION (HEAD OFFICE) CRBG, NBP, RHQ Building, 26-Mclagon
Road, Lahore vides their letter No: SME/DIV/P&M/416 dated 25-04-2007 for your
information and further necessary action.
Please forward the point-wise rectification of all the observations raised by SBP Team
pertaining to SME Accounts. Moreover please be noted that if you want to contest &
have reservations on some objections pointed out by SBP Inspection Team, please
forward each case separately (containing cogent reasons & backed by conclusive
documentary evidence) to us not later than 07-05-2007 for our onward submission
to concerned quarters of SME-Division Lahore /Head Office.
Yours faithfully,
Encls: (3)
Dear Sir,
WHAM PROJECT
WEEKEND REPORTING FORMAT.
Enclosed please find the captioned format for report the loan cases being processed
in your branch regarding the WHAM Project.
Kindly ensure to have it dispatched to this Office at close of office hours, every
weekend.
Yours faithfully,
Encls: (3)
Dear Sir,
The Head Office has once again advised that due to non adjustment of the captioned
account, penalty has been imposed by SBP. In order to avoid levy of any further a
penalty by SBP, we stress you to get the above account adjusted in full without any
further loss of time.
Keeping in view the sensitivity of the matter, please advise us the present position of
account and what action taken by you in this regard so far be also advised.
Yours faithfully,
The Manager,
National Bank of Pakistan,
_________________________
Dear Sir,
From the information collected over telephone, it is observed that _______ accounts of
gold loan expired on 30-06-2007 are still outstanding which be speak of poor follow
up at your end while only three weeks left to become these account classified, if not
renewed or adjusted.
All branches circ
You are, advised to make efforts to renew/adjust these accounts and ensure that no
accretion is made to classified portfolio. You will be personally responsible for this
and not accuse will be accepted as Head Office has taken very serious view.
You are, therefore, instructed to bring these cases personally for this Office for our
necessary action upon received of this letter so that classification should be avoided.
Yours faithfully,
The Manager,
National Bank of Pakistan,
_________________________
Dear Sir,
From the information collected over telephone, it is observed that _______ accounts of
gold loan expired on 30-06-2007 are still outstanding which indicates of poor follow
You are, advised to make vigorous efforts to renew/adjust these accounts and ensure
that no any account should be allowed to become classified on 30-09-2007.
Otherwise you will be personally responsible for all the consequences and no accuse
will be accepted as Head Office has taken very serious view.
Yours faithfully,
Dear Sir,
The Credit Management Group, NBP, Head Office, Karachi vide its letter No.HO/CMG-
(N)/INBP/2344 dated 06-11-2007 has informed that the Auditor & Inspection Group
As you are aware that shortage of pledge stocks is a regular phenomenon in our Region and thus bank’s
reliance on collateral is increased.
Based on the foregoing, you are advised to ensure that no finance is disbursed without proper mortgage
security, no security is accepted in fresh finance which has been used previously by another firm and
fresh facilities are carefully disbursed ensuring that first relatives of troubled accounts are not
proprietor of these firms. Please also ensure that disbursement under the finance facility is only allowed
when the security/collateral documents are complete in all respect.
Yours faithfully,
All Branch Managers in Gujranwala Region, kindly note that all formalities mentioned in the
sanction advice have been completed.
Dear Sir,
All the Branch Managers must be aware that there are very few days left in expiry of their
limits as on 31-12-2007. It is therefore, advised to examine each and every such case and
immediately take correct/remedial measure by way of all possible/available avenues to avoid
accretion of such accounts of your branch. It should be kept in mind that in case jeopardy of
Bank’s interest, in any way due to delayed action, entire responsibility will rest with the
respective Branch Manager for all the consequences.
Please ensure that none of our existing credit limits remain un-renewed provided due mark-up
has been paid, stipulated security held and various other parameters/guidelines are duly met.
For the purpose of expediting renewals of Regular Credit Limits, it must be ensured that all
the cases where there is no violation of any of the SBP Prudential Regulations are renewed
immediately.
If there are limits, validity of which are going to be expired on 31-12-2007, or earlier but these
have not been renewed, we would like to know why these accounts are still lying un-renewed.
Please examine all these accounts and take immediate measures for their
adjustment/renewal as the case may be.
Meanwhile, please ensure that securities held by the Bank remain sufficient to cover the
outstanding liabilities till final adjustment of all the accounts under all the circumstances and
in future Bank’s standard instructions contained in President Circular No.33/2001 dated 27-
11-2001 should be followed meticulously for submission of renewal proposals/cases well
before expiry of existing limits.
You are, therefore, advised to submit the renewal proposals latest by 26-12-2007 repeat 26-
12-2007, enabling us to process the same before their expiry.
Yours faithfully,
Dear Sir,
Yours faithfully,
Dear Sir,
We append below the extract of Head Office decision for meticulous compliance of all
concerned:-
You are, therefore advised to start financing against pledge of Gold Ornaments/NBP-
Karobar cases as usual after fulfillment of all the required formalities as per Bank’s
rules and regulations.
Moreover, the words mentioned in endorsement of our letter under reference which
read as “renew gold loans which have been expired as on 31-12-2007” may
please be replaced with the aforesaid Head Office decision.
Yours faithfully,
Dear Sir,
We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007
All the Branch Managers must be aware that there are very few days left in expiry of cushion
period of 90 days for classification in respect of those accounts, limits of which stand expired
since 31-12-2007. Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL
BECOME CLASSIFIED IN CASTEGORY OF S/S (SUB-STANDARD) It is therefore, advised to
examine each and every such case and immediately take correct/remedial measures by way
of all possible/available avenues to avoid accretion of such accounts in the classified portfolio
of your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way
due to delayed action, entire responsibility will rest with the respective Branch Manager for all
the consequences.
Please ensure that none of our existing credit limits remain un-renewed provided due mark-up
has been paid, stipulated security held and various other parameters/guidelines are duly met.
For the purpose of expediting renewals of Regular Credit Limits, it must be ensured that all
the cases where there is no violation of any of the SBP Prudential Regulations are renewed
immediately.
If there are limits, validity of which are has expired on 31-12-2007 or earlier but these have
not been renewed, we would like to know why these accounts are still lying un-renewed,
thereby adding to the classified/non-performing portfolio. Please examine all these accounts
and take immediate measures for their adjustment/renewal as the case may be. If you feel
that the borrowers are not coming forward even after your personal contact/efforts submit
suit file proposal for our further necessary action without further loss of time.
Meanwhile, please ensure that securities held by the Bank remain sufficient to cover the
outstanding liabilities till final adjustment of all the accounts under all the circumstances and
in future Bank’s standard instructions contained in President Circular No.33/2001 dated 27-
11-2001 should be followed meticulously for submission of renewal proposals/cases well
before expiry of existing limits.
You are, therefore, advised to submit the renewal proposals latest by 15-02-2008
repeat 15-02-2008, enabling us to process the same before their classification.
Yours faithfully,
Dear Sir,
While reviewing the position of NPL it has been observed with deep concern that portfolio of
NPL has been shoot up to the maximum level and seriously viewed by the President for this
accretion.
You are, therefore, advised to accelerate your self including every member of the staff to
contact each and every defaulter to liquidate their bank’s liability to reduce the portfolio of
NPL.
Please check each and every account of cash finance general/small finance and running
finance whose expiry date is 30-06-2008 and confirm that proposal has been dispatched to
this Office for renewal. Otherwise it will fall in the portfolio of NPL as on 30-09-2008.
Thousands of Agri Finance/Demand Finance against pledge of Gold Ornaments exists in all
branches whose expiry date is 30-06-2008. Please ensure these accounts have been
renewed/adjusted uptil now failing which all these accounts will be reported in the portfolio of
NPL which is not tolerable.
NBP Advance Salary, Rozagar Scheme and Saibaan accounts where one, two or three
installments are overdue should be contacted personally immediately to regularize the
position otherwise total outstanding in these finances accounts will be reported in NPL if three
monthly installments remains unpaid.
Please check each and every account of Project Financing/Agri Development and ensure that
no installment in respect of principal/mark up is overdue by 90 days from the due date failing
which total outstanding will be reported in the portfolio of NPL which is not tolerable.
Please ensure that quarterly mark up due as on 30-06-2008 has since been recovered uptil
now and ensure that no finance account will be reported in the portfolio of NPL due to non
recovery of quarterly mark up.
It must be kept in mind that in case of jeopardy of bank’s interest due to delayed action
entire responsibility will rest with you for all the consequences.
Please immediately prepare watch list in the light of Head Office Instruction Circular
No.134/2005 dated 01-12-2005 because after the promulgation of recovery ordinance 2001,
it is imperative that bank should start remedial measures even before the expiry of the limit
because now bank’s can get a decree only for principal, agreed period mark up and cost of
funds.
Branch Managers/Operations Managers & Credit Officers are reminded that preparation of
SCA and its finalization after taking into account the time based and subjective criteria is one
of the most important exercise vis-à-vis determination of the size of the infected portfolio i.e.
NPL. any attempt to conceal the true position of any account by the filed Offices on one
pretext or the other would be viewed seriously.
Yours faithfully,
1. The Regional Operations Chief, NBP/Regional Office, Gujranwala for information and
to accelerate the Operation Managers for meticulous compliance.
2. The Regional Compliance Chief, NBP/Regional Office, Gujranwala for information & to
locate all the expired limits through his filed staff to regularize the position well before the time
of classification i.e. 30-09-2008 to avoid unnecessary accretion in the portfolio of NPL.
3. Mr. Shahid Jamil, Head of Commercial Banking/General Manager (Agri),
NBP/Regional Office, Gujranwala , he is advised to prepare the statement of all expired limits
within seven days and ensure that proposals have been received from the branches for renewal
purpose. He is further advised to remain touch with the branches for speedy renewal of these
proposals.
4. Mr.Attique Afzal, Officiating Regional Retail Head, NBP/R.O.Gujranwala is advised to
prepare the statement of all Saiban, Rozgar and NBP Advance Salary Accounts where one, two
or three monthly installments have not been paid by the borrowers and ensure that notices have
been sent for recovery purpose. He is further advised to remain touch with a the branch for
speedy recovery of the retail financing / overdue installments
Dear Sir,
We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.
Yours faithfully,
Dear Sir,
We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.
Yours faithfully,
Dear Sir,
We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.
Yours faithfully,
Dear Sir,
We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.
Yours faithfully,
Dear Sir,
We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.
Yours faithfully,
Dear Sir,
We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-
Yours faithfully,
Dear Sir,
We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-
Yours faithfully,
Dear Sir,
We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.
Yours faithfully,
Dear Sir,
We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-
All branches circ
SR.NO. NAME OF PARTY LIMIT SANCTIONED.
1. M/S.MAJID CLOTH HOUSE 2.000
2. M/S.HASSAN CLOTH HOUSE. 2.000
3. M/S.MEER SANITARY FITTING. 0.500
4. M/S.AL-HILAL IRON STORE. 1.750
5. M/S.ZAHID & CO. 3.500
6. M/S.HUSSAIN STEEL INDUSTRIES. P- 7.500
H- 2.000
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.
Yours faithfully,
Dear Sir,
We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
All branches circ
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.
Yours faithfully,
Dear Sir,
We invite your kind attention to our Circular letter Nos.ROG/CBW/2007/7296 dated 15-12-
2007, ROG/CBW/2008/263 dated 29-01-2008 & letter No.ROG/CBW/406 dated 20-02-2008 on
Inspite of our clear instructions in above referred letters regarding the submission of renewal
proposals before 29-02-2008, we regret to say that no proposal for renewal proposal have
been received by us up till date. As you are aware about the facts that there are very few
days left in expiry of cushion period of 90 days for classification in respect of those accounts,
limits of which stand expired since 31-12-2007. You are once again advised that considered
the matter on top priority basis and submit the renewal proposals immediately without
wastage of further time for our onward submission to Head Office.
It should be kept in mind that the proposals should be complete in all respects and
any accretion made in portfolio of NBP due to incomplete proposals i.e. lack of
information, entire responsibility will rest with you for all the consequences.
Any laxity occurred in obtaining the approval of renewal of expired limits will be
viewed seriously.
Yours faithfully,
Dear Sir,
Inspite of our clear instructions in above referred letters regarding the submission of renewal
proposals before 29-02-2008, we regret to say that no proposal for renewal proposal have
been received by us up till date. As you are aware about the facts that there are very few
days left in expiry of cushion period of 90 days for classification in respect of those accounts,
limits of which stand expired since 31-12-2007. You are once again advised that considered
the matter on top priority basis and submit the renewal proposals immediately without
wastage of further time for our onward submission to Head Office.
It should be kept in mind that the proposals should be complete in all respects and
any accretion made in portfolio of NBP due to incomplete proposals i.e. lack of
information, entire responsibility will rest with you for all the consequences.
Any laxity occurred in obtaining the approval of renewal of expired limits will be
viewed seriously.
Yours faithfully,
Dear Sir,
Quote
Keeping in view of the above situation and to avoid addition in NPL, portfolio the
competent authority at Head Office has decided to restore the Regional
Management Committee’s (RMC) & Branch Managers’ powers for ONLY
renewal of Secured Running Finance Limits, where adequate securities are
available as per bank’s policies, subject to be condition that all parameters required
by the bank’s policies/procedure & SBP PRs etc are strictly complied with by the
Region/Branch, before allowing renewal of any SRF Limit.”
Unquote
Yours faithfully,
Dear Sir,
We append below the extract of Head Office decision contained in their letter No.HO/
CGC-C&RBG/ADMN/2008/2787 dated 04.03.2008 for meticulous compliance of all
concerned:-
You are, therefore advised to follow the H.O. instructions in letter & spirit.
Yours faithfully,
Dear Sir,
We invite your kind attention to our Circular letter Nos.ROG/CBW/2007/7296 dated 15-12-
2007, ROG/CBW/2008/263 dated 29-01-2008 & letters No.ROG/CBW/398 & 549 dated 20-
02-2008 & 29-02-2008 on the captioned subject along with list of Cash Finance/Small Finance
(Hypo) limits whose expired on 31-12-2007.
Inspite of our clear instructions in above referred letters regarding the submission of renewal
proposals, we regret to say that out of 2 no proposal for renewal purpose has been received
by us up till date. As you are aware about the facts that there are very few days left in expiry
of cushion period of 90 days for classification in respect of those accounts, limits of which
stand expired since 31-12-2007. You are once again advised that considered the matter on
top priority basis and submit the remaining renewal proposals immediately without wastage
of further time for our onward submission to Head Office.
It should be kept in mind that the proposals should be complete in all respects and
any accretion made in portfolio of NBP due to incomplete proposals i.e. lack of
information, entire responsibility will rest with you for all the consequences.
Any laxity occurred in obtaining the approval of renewal of expired limits will be
viewed seriously.
Yours faithfully,
Dear Sir,
We invite your kind attention to our Circular letter Nos.ROG/CBW/2007/7296 dated 15-12-
2007, ROG/CBW/2008/263 dated 29-01-2008 & letters No.ROG/CBW/398 dated 20-02-2008
on the captioned subject along with list of Cash Finance/Small Finance (Hypo) limits whose
expired on 31-12-2007.
Inspite of our clear instructions in above referred letters regarding the submission of renewal
proposals, we regret to say that out of 3 only 1 proposal for renewal purpose has been
received by us up till date. As you are aware about the facts that there are very few days left
in expiry of cushion period of 90 days for classification in respect of those accounts, limits of
which stand expired since 31-12-2007. You are once again advised that considered the
matter on top priority basis and submit the remaining renewal proposals immediately without
wastage of further time for our onward submission to Head Office.
It should be kept in mind that the proposals should be complete in all respects and
any accretion made in portfolio of NBP due to incomplete proposals i.e. lack of
information, entire responsibility will rest with you for all the consequences.
Any laxity occurred in obtaining the approval of renewal of expired limits will be
viewed seriously.
Yours faithfully,
Dear Sir,
You are therefore, advised to confirm whether the quarterly accrued mark-up since
stand recovered on 31.03.2008 from the Cash Finance borrowers or otherwise and
registered notices have been served to those borrowers who have not yet deposited
the amount of quarterly mark-up in their Cash Finance accounts.
Please note and ask the clients to get the amount of quarterly mark-up deposited in
their Cash Finance Accounts immediately failing which a disciplinary action can be
initiated against the defaulting branches / concerned staff for non-adherence /non-
compliance of H.O. instructions.
Your confirmation in this respect should reach this office on or before 05.04.2008
without awaiting our reminders enabling us to place the same before the competent
authority.
Yours faithfully,
(SHAHID JAMIL)
HEAD OF COMMERCIAL BANKING WING
Encls:
Dear Sir,
You are, therefore, advised to furnish the above information on revised format (copy
enclosed) along with floppy diskette on or before 10-10-2008 without any further loss
of time for our compilation and onward submission to Head Office, Karachi..
Yours faithfully,
(SHAHID JAMIL)
HEAD OF COMMERCIAL BANKING
ENCLS ( AS ABOVE)
Dear Sir,
Yours faithfully,
(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
ENCLS ( AS ABOVE)
Dear Sir,
All the Branch Managers must be aware that there are very few days left in expiry of their
limits as on 30-06-2008. It is therefore, advised to examine each and every such case and
immediately take correct/remedial measure by way of all possible/available avenues to avoid
accretion of such accounts of your branch. It should be kept in mind that in case jeopardy of
Bank’s interest, in any way due to delayed action, entire responsibility will rest with the
respective Branch Manager for all the consequences.
Please ensure that none of our existing credit limits remain un-renewed provided due mark-up
has been paid, stipulated security held and various other parameters/guidelines are duly met.
For the purpose of expediting renewals of Regular Credit Limits, it must be ensured that all
the cases where there is no violation of any of the SBP Prudential Regulations are renewed
immediately.
If there are limits, validity of which are going to be expired on 30-06-2008, or earlier but these
have not been renewed, we would like to know why these accounts are still lying un-renewed.
Please examine all these accounts and take immediate measures for their
adjustment/renewal as the case may be.
Meanwhile, please ensure that securities held by the Bank remain sufficient to cover the
outstanding liabilities till final adjustment of all the accounts under all the circumstances and
in future Bank’s standard instructions contained in President Circular No.33/2001 dated 27-
11-2001 should be followed meticulously for submission of renewal proposals/cases well
before expiry of existing limits.
You are, therefore, advised to submit the renewal proposals latest by 14-06-2008 repeat 14-
06-2008, enabling us to process the same before their expiry.
Yours faithfully,
Dear Sir,
Yours faithfully,
Dear Sir,
“Quote
Presently two different Credit Memos / Formats are being used in
the Bank circulated vide Instruction Circular No.115/2006 dated
December 30, 2006 and No.39.2007 dated April 2007 for
Commercial and Corporate loan requests respectively.
Dear Sir,
All the Branch Managers must be aware that their various limits have expired
as on 30-06-2008 or earlier. It is therefore, advised to examine each and
every such case and immediately take all corrective / remedial measures by
way of all possible / available avenues to avoid accretion of such accounts of
your branch in classified portfolio. It should be kept in mind that in case of
jeopardy of Bank’s interest in any way due to delayed action, entire
responsibility will rest with the respective Branch Manager for all the
consequences.
Please ensure that none of our existing credit limits remain un-renewed
provided due mark-up has been paid, stipulated security held and various
other parameters / guidelines are duly met. For the purpose of expediting
renewals of Regular Credit Limits, it must be ensured that all the cases where
there is no violation of any of the SBP Prudential Regulations are renewed
immediately.
Meanwhile, please ensure that securities held by the Bank remain sufficient to
cover the outstanding liabilities till final adjustment of all the accounts under
all the circumstances and in future Bank’s standard instructions contained in
President Circular No.33/2001 dated 27-11-2001 should be followed
meticulously for submission of renewal proposals/cases well before expiry of
existing limits.
No need to mention here that any laxity / delay in this regard and accretion in
NPLs shall rest exclusively on the shoulder of Branch Managers and they will
be entirely held responsible for consequences thereto.
Yours faithfully,
(TARIQ TAJ)
(ABDUL GHAFOOR)
REGIONAL BUSINESS CHIEF. REGIONAL
CREDIT MANAGEMENT CHIEF.
Dear Sir,
Ina view of the above you are requested to recover the mark up of 31-03-2008
and 30-06-2008 immediately on receipt of this letter.
It has also been noted that limits expired on 31-12-2007 and before has been
left un-attended without any solid reasons.
Yours faithfully,
(TARIQ TAJ)
The Manager,
National Bank of Pakistan,
Civil Lines Branch, Gujranwala.
Jalalpur Bhattian Branch.
All branches circ
Ghalla Mandi Kamoke Branch.
Dear Sir,
Yours faithfully,
(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
ENCLS (AS ABOVE)
Dear Sir,
It has been observed that instructions issued from Head Office and this Office
are not being complied in letter and spirit especially in reduction of NPL’s.
Make all out efforts for adjustment / renewal of all the expired limits, send the
definite recommendations including selling of the properties mortgaged with
the Bank or any suitable remedial action to recover the stuck up amounts
outstanding within a period nor more than one week.
Send the proposals to Regional Office for selling of the stocks of the firms,
where stocks are not available then take suitable remedial measures including
selling of mortgaged properties, legal action immediately without fail.
Yours faithfully,
(TARIQ TAJ)
(ABDUL GHAFOOR)
REGIONAL BUSINESS CHIEF. REGIONAL
CREDIT MANAGEMENT CHIEF.
The Manager,
National Bank of Pakistan,
1. O/S.KHIALI GATE BRANCH, GUJRANWALA.
2. MANSOORWALI.
3. BADDAY.
4. MANDI FAIZABAD.
5. GUJRANWALA ROAD, HAFIZABAD.
6. MAIN BRANCH, HAFIZABAD.
7. ALIPUR CHATHA.
8. MURIDKE.
9. CIVIL LINES BRANCH, GUJRANWALA.
10. G.T.ROAD RAHWALI.
11. G.T.ROAD GHAKHAR.
12. MORE EMINABAD.
13. MANSOORWALI.
14. JAJLPUR BHATTIAN BRANCH.
15. KOT JAI SINGH.
16. GHALLA MANDI KAMOKE.
Dear Sir,
Please refer to this Office letter bearing No.RHQ (G)/CMW/1334 dated 16-07-
2008 on shoot up / increase in non-performing loans / classification of
advances. A Branch Managers meeting in this regard is scheduled to be held
on Monday i.e. 21-07-2008, 3.00 PM at NBP, Regional Office, Gujranwala. The
agenda of the meeting is as under:-
All the Branch Managers of above noted branches are accordingly advised to
attend the meeting in person, no leave shall be granted to any Manager on
date of the Meeting. No need to mention here that dress code and timings be
strictly observed.
Yours faithfully,
(TARIQ TAJ)
(ABDUL GHAFOOR)
All branches circ
REGIONAL BUSINESS CHIEF. REGIONAL
CREDIT MANAGEMENT CHIEF.
Dear Sir,
It has been observed that enough concrete efforts are not being made to
achieve the targets.
Yours faithfully,
(TARIQ TAJ)
(ABDUL GHAFOOR)
REGIONAL BUSINESS CHIEF. REGIONAL
CREDIT MANAGEMENT CHIEF.
Dear Sir,
The subject has been discussed at length since my arrival in the region. There
is no doubt the position is improving day by day.
It is still felt that drastic steps should be taken to adjust / renew all such
accounts and if you think that recovery is not possible then send definite
recommendations by 31-07-2008 of all NPL’s expired on 31-12-2007 or before.
Yours faithfully,
Sd/-
(TARIQ TAJ)
Dear Sir,
The external Auditor has emphasized on the following points for better
internal control:-
Yours faithfully,
Sd/-
(TARIQ TAJ)
Dear Sir,
Therefore, you are advised to please rectify the irregularities pointed out
during the course of inspection and make strenuous efforts to bring the
instances / irregularities to zero during the SBP Inspection as of 2008 in order
to escape from the penalties and ensure non recurrences of such instances /
irregularities in future.
Yours faithfully,
Sd/-
Dear Sir,
All branches circ
RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF
WHICH HAVE BEEN EXPIRED ON 30-06-2008 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED
We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 DASTED 02-07-2008 & ROG/CBW/2008/2211 dated 16-07-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of Bank’s
interest, in any way due to delayed action, entire responsibility will rest with you for all the
consequences. We give hereunder the list of expired limits (as per our record) of your
branch as on 30-06-2008:-
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.
Yours faithfully,
(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
Dear Sir,
We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 DASTED 02-07-2008 & ROG/CBW/2008/2211 dated 16-07-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of Bank’s
interest, in any way due to delayed action, entire responsibility will rest with you for all the
consequences. We give hereunder the list of expired limits (as per our record) of your
branch as on 30-06-2008:-
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.
Yours faithfully,
(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
Dear Sir,
We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 DASTED 02-07-2008 & ROG/CBW/2008/2211 dated 16-07-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of Bank’s
interest, in any way due to delayed action, entire responsibility will rest with you for all the
consequences. We give hereunder the list of expired limits (as per our record) of your
branch as on 30-06-2008:-
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.
Yours faithfully,
(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
THE MANAGER,
NATIONAL BANK OF PAKISTAN,
1. CIVIL LINES, GUJRANWALA.
2. CIVIL LINES BRANCH, SHEIKHUPURA.
3. MAIN BRANCH, HAFIZABAD.
4. NANKANA SAHIB.
5. MAIN BRANCH, WAZIRABAD.
6. GHALLA MANDI KAMOKE.
7. NOWSHERA VIRKAN BRANCH
8. PINDI BHATTIAN BRANCH
9. GULABPURA CANTT BRANCH
Dear Sir,
Yours faithfully,
Dear Sir,
We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 Dated 02-07-2008, ROG/CBW/2008/2211 dated 16-07-2008 &
dated 31-07-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of Bank’s
interest, in any way due to delayed action, entire responsibility will rest with you for all the
consequences.
Yours faithfully,
Ms.Rehana Ishaq,
Manager,
National Bank of Pakistan,
Farooqabad.
Madam,
We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 Dated02-07-2008, ROG/CBW/2008/2211 dated 16-07-2008 &
dated 31-07-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of
Bank’s interest, in any way due to delayed action, entire responsibility will rest
with you for all the consequences. We give hereunder the list of expired limits (as per
our record) of your branch as on 30-06-2008:-
1. NUMBER OF ACCOUNTS:- 8
2. AMIOUNT:- 12.100 (M)
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.
Yours faithfully,
(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
Dear Sir,
We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 Dated 02-07-2008, ROG/CBW/2008/2211 dated 16-07-2008 &
dated 31-07-2008andROG/CBW/2008/3144 dated 20-09-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of Bank’s
interest, in any way due to delayed action, entire responsibility will rest with you for all the
consequences.
As you are aware that the Management has increased the weightage of NPL
recovery by 60% KPIs and for all other performance evaluation purposes.
Yours faithfully,
ROG/CBW/ 2008/ *
'.055-9200731, 250
OCTOBER 04, 2008
'. 055-9200314
Dear Sir,
We invite your kind attention towards President Office Circular No.6/2003 dated 18-10-2003
resting on captioned subject and reproduce hereunder the contents thereto for meticulous
compliance:-
“Quote”
I have, for a while now, been noticing a large number of visitors, including ex-Bank Officials
who have opted for Gold Handshake / Voluntary Separation Scheme or retired and some
serving Bank officials, including those subject to disciplinary action, visiting the Bank
premises, for no apparent business reason. Such individuals visit various Chambers /
Departments, use official telephones and fax for personal use, waste the time of officers and
Group Chief, / Departments, Heads / members of Regional Management Teams / Branch
Managers etc:-
It has therefore been decided to streamline visits to the Offices of the Group Chiefs /
Departmental Heads as follows:-
Any former or serving Bank Officials intending to see any Group Chief / Departmental Head
will make a proper request for meeting at the Security Desks, specifically justifying the
purpose and nature of the requested meeting.
i. The Security staff, in turn, will seek acknowledgement of the concerned Group
Chief / Departmental Head in token of their willingness for such a meeting.
ii. Concerned Group Chief or Departmental Head will personally received such a
visitor at the Security Desk if willing to see the individual.
iii. Such meetings will be held in the space specifically earmarked thereof and will be
brief and to the point.
Meetings of serving Bank Officials with any Group Chief / Departmental Head, other than
those of their own Departments, will also be subject to the above procedure.
Similar code will also be followed at all the Regional Offices and the Branches.
This procedure will come into force with immediate effect and I expect everyone to
strictly adhere to this. Let me make it clear that any deviation by anyone will be treated
as insubordination and misconduct and will be dealt with accordingly.
“Unquote”
Further, it is observed that Branch Managers and Operations Managers are habitual of
sending customersat Regional Office which creates problem some in daily work.
Therefore, all the Manager /Operations Managers are strictly advised not to shift their
responsibilities and refrain from sending customers to unnecessarily visit the Controlling
Office especially in the Rice /Paddy season for smooth running of the processing of
finance proposals as desired and non compliance thereof will be considered with greater
disfavor.
Yours faithfully,
(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
Dear Sir,
We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 Dated 02-07-2008, ROG/CBW/2008/2211 dated 16-07-2008 &
dated 31-07-2008andROG/CBW/2008/3144 dated 20-09-2008.
You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of Bank’s
interest, in any way due to delayed action, entire responsibility will rest with you for all the
consequences.
Yours faithfully,
Yours faithfully,
Dear Sir,
We invite your kind attention towards our Circular letters bearing No.ROG/CBW/2823 dated
02-09-2008, ROG/CBW/2008/3405 dated 24-09-2008 and E-Mail message dated 07-10-2008
received from the SEVP / Group Chief, Commercial & Retail Banking Group, NBP, Head Office,
Karachi on the captioned subject, contents of which are reproduced hereunder for your
information and meticulous compliance:-
“Quote”
Dear Colleagues, Please go through for each for your products and ensure recoveries ASAP.
As we all know that it has been decided that 60% weightage in every ones KPIs and
evaluations for 2008 will be on recoveries and reduction of NPLs in 2008. SO, I STRONGLY
SUGGEST THAT EACH ONE OF YOU STARTS PAYING EXTRA ATTENTION AND ENERGY ON THE
RECOVERIES AND RECDUTION OF NPLs.
“Unquote”
(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
Dear Sir,
All the Branch Managers are accordingly advised to attend the above said
meeting in person and come fully prepared to discuss all the matters
regarding preparation / sanction of finance proposals Rice Paddy Season
2008-09. Moreover, you are advised to please bring the hard copies of the
Rice Season Policy 2008-09 if possible in order to discuss the same in details
as desired. If you have any queries, feel free to contact Mr.Shahid Jamil, Head
of Commercial Banking Wing, Regional Office, Gujranwala on Telephone No.
055- 9200731.
Needless to mention that timing and dress code should be strictly observed.
Yours faithfully,
The property (ies) have been physically visited / verified by me and are having
possession of the owner with no encroachment found and all the properties are
easily approachable through streets, roads etc:-
1.
2.
3.
Dear Sir,
While visiting the branches, it has been observed that proper efforts are not
being made to achieve the Deposit / NPL Targets, which is highly regretted.
For maximization of deposit it has been decided that targets of 2009 will be
based on the targets of 2008 and not on the actual deposit of 31-12-2008.
Therefore, branches who have achieved the targets are appreciated and
requested to continue their efforts to procure the maximum deposit on 31-12-
2008.
The Competent Authority at this Office has already communicated to all the
concerned that 25% of the Managers of non-performing branches shall
automatically be replaced based upon the results of year-2008.
Yours faithfully,
(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
The property (ies) have been physically visited / verified by me and are having
possession of the owner with no encroachment found and all the properties are
easily approachable through streets, roads etc:-
Property measuring 1-Kanal 16 Marlas bearing Khasra No.8002/3481/3482/246 Khewat No.276 Khatooni
No.388 owned by Mr.Roshin Din, Muhammad Ashraf, Muhammad Ismail, Shahid Hussain S/O Noor
Muhammad
Dear Sir,
Yours faithfully,
(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
ENCLS (AS ABOVE)
Dear Sir,
Yours faithfully,
(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
Dear Sir,
Yours faithfully,
Dear Sir,
Yours faithfully,
(SHAHID JAMIL)
HEAD OF COMMERCIAL BANKING.
ENCLS( AS ABOVE)
Yours faithfully,
Dear Sir,
In this regard, you are advised to ensure that you have assigned individual
recovery targets to all the staff members working in your branch as desired by
the worthy President of our Bank and send us the copy of Office Order
immediately for our further necessary action.
Yours faithfully,
Dear Sir,
Enclosed please find copy of HRM & Administration Department letter bearing
No.GJWA/HRM/DCC/7211 dated 02-10-2009 contents thereto are self explanatory
for your information and meticulous compliance.
Yours faithfully,
Dear Sir,
We reproduce hereunder the contents of Commercial & Retail Banking Group, NBP,
Head Office, Karachi letter No.HO/GC-C&RBG/2009/271 dated 29-10-2009 for
meticulous compliance of all concerned:-
Quote
“As per the instructions of the President NBP to focus on low-cost deposits a Special
Deposit Mobilization” effort is being launched to address the end-year position of
deposits. Under this initiative Special Deposit Targets have been assigned to the
regions to meet the deposit targets for December 31, 2009. The targets to be
achieved are as follow:-
The targets for November 2009 have to be met based on your current deposit
position (as of September 30, 2009) while the target of December 2009 will be
benchmarked against the position as of November 30, 2009, Deposits should
preferably be obtained for a period ranging from 1-3 months while ensuring that the
over all cost of funds of the region does not increase.
While pursuing these targets, special focus and efforts should be made on building
relationship with potential clients in order to mobilize / retain healthy deposits in the
future at competitive rates.
Unquote
Yours faithfully,
Dear Sir,
Please refer to Head Office, Karachi Commercial & Retail Banking Group, letter
No.HO/C&RBG/ADMN/2009/10784 dated 03-11-2009 on the captioned subject.
Due to worst Law and Order situation of the country, you are advised to make strict
security arrangements during disbursement of monthly salaries to the persons of
Police & Law endorsement Agencies and extra vigilant measures should be taken
inside/outside the branch premises during these days to avoid any mishap.
Yours faithfully,
Dear Sir,
Quote
“It has conveyed by many Branch Managers that the condition before disbursement
“Demarcation of property (ies) with the help of revenue
authority.” is making hurdles in disbursement of the finances as demarcation of
properties with the help of Revenue Authorities may take a lot of time and borrowers
may face difficulties.
Under the circumstances it is suggested that the demarcation before disbursement may
be deferred for some period and Branch Manager be advised to ensure confirm physical
existence of the securities / collateral mortgaged with the bank and Branch Manager also
be advised to make sure to demarcate all the securities / collateral during the currency of
limit within one month after the disbursement.
Unquote
Yours faithfully,
Dear Sir,
Enclosed please find copy of Commercial & Retail Banking Group Head Office,
Karachi letter No.SEVP/CRBG/PMT/SS/2009/11453 dated 03-012-2009 contents
thereto are self explanatory for your information and meticulous compliance.
You are, therefore, required to provide the above mentioned information latest
by 08-12-2009 positively. Please treat this as most urgent as this information is
required by the Senior Management and the President of NBP.
Yours faithfully,
The
Dear Sir,
We reproduce hereunder the contents of Commercial & Retail Banking Group, NBP,
Head Office, Karachi letter No.HO/GC-C&RBG/2009/271 dated 29-10-2009 for
meticulous compliance of all concerned:-
Quote
“As per the instructions of the President NBP to focus on low-cost deposits a Special
Deposit Mobilization” effort is being launched to address the end-year position of
deposits. Under this initiative Special Deposit Targets have been assigned to the
regions to meet the deposit targets for December 31, 2009. The targets to be
achieved are as follow:-
The targets for November 2009 have to be met based on your current deposit
position (as of September 30, 2009) while the target of December 2009 will be
benchmarked against the position as of November 30, 2009, Deposits should
preferably be obtained for a period ranging from 1-3 months while ensuring that the
over all cost of funds of the region does not increase.
While pursuing these targets, special focus and efforts should be made on building
relationship with potential clients in order to mobilize / retain healthy deposits in the
future at competitive rates.
Unquote
Yours faithfully,
Dear Sir,
Please note that the information at Serial No. 1 & 2 will not be accepted, unless it is
accompanied with the Certificate of Correctness, listed at Sr. No. 3 above.
You are, therefore, advised to furnish the above information on revised format (copy
enclosed) alongwith floppy diskette on or before 05-01-2010 without fail for our
onward submission as desired. The said information may also be emailed at following
address.
jalilnbp@yahoo.com
The matter is extremely important and requires your personal attention.
Yours faithfully,
Dear Sir,
Please instruct all concerned to ensure submission of SME Data on revised format at
the earliest possible time by 05-07-2010.
You are, therefore, advised to furnish the above information on revised format
alongwith floppy diskette on or before 05-07-2010 without fail for our onward
submission as desired. The said information may also be emailed at following
address.
jalilnbp@yahoo.com
The matter is extremely important and requires your personal attention.
Yours faithfully,