eee May/June 2013 @BP which are at ‘operational efficiency at a I adaptability in today’s e» business environment‘na awl athe bach Toe aoa Fe Based ene Seoeron dough vetar aber seme ike cry ATM, {ty ll colt, Ars ice, eae Wess Unto batiness Tae branch among he tp most bres sn remtnces ores Cesing em enirnmeat 0 recessed SUP Patel Repo MANDIAN MIRPUR BRANCH 3 Albottobad The Branch wa nae a he ascent poblen ie dance other sale era "The defense beckock te developnen fein lg eee ‘il for relocation to a proper place. e Seton ciET na ee anegm cab oS eats Heakraiernae sono Sa oan man aac epieiin teaser “eet nrnce ade spacious which bat rope watng rangement sod lang waar ey ‘Ri Saad ck ba cacti org taviemmest ead over here speci eaten i ad ‘Sprve comer oe DISTRICT COURT BRANCH Toba Tel Singh, hong The Banc ic cated Hessng Clo ‘Bank ha it own building with wide parking area and er Tc branch so waking rn fein) Eat Dewar Coen deve snd ret sli dep ach Thy a fe ‘epee ad be llnindg tas opera precedes ‘CANTT BRANCH Quetia working t's coordsatel and roherent ‘manne. Inout ofthe anc ly nce wth ‘ranch fas foor ATMs which eaters Ue needs of {eda casimers aol Amy perso Te Xe Eve mlstwun demane: oadon,scsel epexing Ee Rene ge a ‘Smit alle iy Wr es ‘Smear te cur pte eer he ert fegulnions of SBP. Proper seating srangenient sre ‘ne he emer ranch mun woking (poo acter weld te Ary Te ren at = NED UNIVERSITY BRANCH| Korachi West le ene paneer Bal Ab Ca Stylus lice wale cel ctacupomaet {Celie aod nena opera yan saa SOT IT esis (Steere inti, Sonos" tite Se Mw, ese ei Aer uy ee Rag Pa, Daly conan ett hee SECLstD ioe egal EE te Peer aeay ae eae ih ect es ta be a ‘ange mimber of sdent Ts ranch dealing wih TO of SESS TND Cen wipe open Sorte eypantiate t KOS SSCA que soo) DorelNBP eyes energy and farm Sectors ‘After becoming a pioneer in implementing Core Banking Application, National Bank of Pakisian now intends to prioritie financing energy and agricuitural sectors over the Than interview with Busines Recorter, PresidenCEO Dr Asif A. Brohi said that ‘National Bank had successfully implemented [— first Core Banking Application in its main branch to provide ‘superb’ customer services, besides ensuring efficiency across the banking functions. Sites tetat teeny aktatecet soc ce meget tee gies ating mete ante atnete decte e sons oe eterna Bog. be epee : Sotkcechtinet meme Reopened thes tiny and comme git ee ‘rar eo a wei ‘ie produce ste NDP to lias ane, psy pone ie dat te ie sty coed ‘Ren ich ad roy ee ‘eles Samelecn my india corpinactmare PCTS e Sutdtnn afvtichsea bee bon decced ye NSP Otter MEO RRC Ce SipeieleRetone spuaton the" Ooie cheers MOO ace ee od fneeke ety wet 99 ben ben ceded be ceny EEA ee ees cd ATT rela catfediitecard MLOMUC UU CORLL pers redken dou re ep mpuced tenet {cetera nese ee ef ape et Specter emt ce eee PO cra UR ca aw‘marke shae in terms of agculture and consumer loans among domestic ‘commercial banks. Consumer lans, expecially against gold, have growa by 51 percent whereas the growth in agricultural loans was 30 percent luring 2012. Total agriculture and consumer loans stood at Rs 131 billion atthe end of December last year. Talking about the rise in investment in goverament papers, Dr. Brohi said that while many local banks preferred to invest ia government securities, the NBP witnessed significant growth in advances Tocally as well as internationally. With an increase of 25 percent, total advances grew to Rs 657 billion by the end of December last year from Rs 525 billon in December 2011 [NBP achieved a massive growth in lending to farmers: the bank achieved its target for this fiteal year by disbursing Re 52 billion on account of agricultural credit disbursement during July-April of FYE, ‘The Bank's overall investment has surged to Rs 343.5 billion atthe end ‘of December ls. yeas, up from Rs 3195 billion at the end of December 211, “The Bank was planning to setup 55 new branches across the country, {including 40 conventional and 15 of Islamie banking. 'We are focusing ‘on run ares... we have decided io open more branches in less developed ‘areas, instead of urban areas,” he said. Out of 40 branches as many as 30-32 branches would be established in rural areas ‘Commenting os the Bank's foreign operations, NBP currently has 29 ‘overseas branches and the Bark is gradually expanding. NEP, he said, was planning to set up a branch in Sri Lanka to facilitate trade and Industry. Talks with the Central Bank of Sri Lanka are i fal ayes, ‘we would soon set up a branch in Russa. The Bank is also successfully ‘porting a2 many as four branches in Alghenisten and oix in Central ‘Asian Republics. According to him, NBP wa also revising its Islamic Banking operations. Wit the opening wp of 15 new designated Inlanic banking branches tis year, the toil number of such branches would nse to 25, He expressed the hope thatthe joining of Zubair Haider as the head of Islamic banking was likely to provide new impetus to NBP's IBlamic banking services. “Talking about the Bank’s home remitances services, he sald thatthe BP had aggressively extended iss remittance correspondence base across the globe with the aim of facilitating overseas Pakistanis ‘Gumulathely, the NBP had sick agreemenis wits SO leading overscas remiting partners. Citing a major srategic move, he said that NBP had treated & separate independent group named Giokal Home Remitiances Management Group in 2000 to facus on inward home remitances business, adding that st present, NBP isthe leader in the home remitances business. ‘Dr. Brodt said tha the domestic farming sector actually needed loans worth Re 750 billion anmually, while neatly Re 300 billion was bein “isbursed via formal banking channels, leaving behind a gep of Rs 450, Uillion which i belng filed by informal channets charging very high markup rates from farmers. NBP' farming sector disbarment winessed STmaive inoreae of 68 percent over the, past wo Yeas. ovo yeu te tun Caorery apt NPLa bed inpeved sad ove INPL& ofthe bank posted a sight increase of one percent to Rs 887 billion by the end of December lst year. @ 5NBP and A. F. Ferguson & Co. (PwC) Sign Contract NBP hired consultancy services of A.F Ferguson & CO. (PwC) for the BPR & COSO Implementation Project. The consultant will be responsible for developing and applying the BPR & COSO Implementation Project in the Bank in line with SBP guidelines and best market practices. National Bank of Pakistan and A-F. Ferguson & Co. (PwC) signed a landmark agreement for BPR & COSO Implementation at the NBP Head Office. President, Dr. Asif A. Brohi in his message on the signing ceremony said, ‘NEP is committed to achieve the leadership position in the industry by adopting International best practices and ensuring consistent compliance with regulatory requirements. He also said, 'NBP believes in business growth and excellence through robust infrastructure, technology and. operaiional support aimed at improving internal and external customer satisiaction. “Highlighting the objective, Dr Brobi said, ‘The project is aimed at incorporating the operating model inio NBP*s business processes and core sysiems and achieve operational effectiveness and efficiency. Implementing the project wil eventually provide a platform for achievement of the Bank's strategic objectives through a phesed process of institutional capacity building.” @ a Broad Objectives of the Project ‘To bring efficiency across National Bank of Pakistan through ement in structures, policies, proceses, systerns, controls and reporting. ‘Facilitating development of RCSA framework (Reference Basel Commtiee on Banking Supervision ‘Sound Practices forthe Management & Supervision of Operational Rist). ‘*To enswe reliability, completeness and timeliness of nancial and management information. To ensure comptance wih policies, procedures, regulations ‘eImplementation of bank wide internal controls conforming to COSO framework, lmplementation/Compliance of Intel Control Guideline (BSD Gireular 07 of 2004 and subsequent updates or one iene ek nel ony eebest consumer award ‘Protection of consumers interests is necessary for the national economic growth, as this is the only way to restore consumers confidence in picking up products and services based on their own likes and dislikes.’ This was the theme at. ‘the 8th Consumer Choice Awards held in Karachi CONSUMERS + res Awards happens to be the most distinctive corporate event rein awards are conferred to manufacturers and services providers solely on the basis of consumers” choice and preferences. ‘The 6th Consumer Choice Awards was sponsored by Schneider Electric, Dalda, Shizan, and Laser In, UFone, Delux, Zong, Fritolay, Nesle, Air Blue, EFU, ZIC, Metro, TCS, Coca Cola, National Bank of Pakistan, Hakim Sons, HTC and FWBL. Khalid Tawab, Ex- Caretaker Provincial Minister of Commerce and Industries was the chief guest on this occasion, In a special message, President Asif Ali ‘Zardari congratulated all awards winners in 8th Consumer Choice Awards, and said that these types of events promote trading activities to a large scale, wherein companies strive hard to provide high quality products and services to consumers. Speaking on the occasion, Caretaker Provincial Minister of Commerce and Industries Khalid Tawab said, 'We all need to work collectively in order to promote business and trading activities in the country.” BP was also awarded the 'Best Consumer Avard for is remarkable services to the nation as well as internationally. Imam Bakhsh Baloch, received the award on behaif of President Dr. Asif Brobi. Other distinguished personalities who addressed in the ceremony were Kokab Iqbal Chairman Consumer Association of Pakistan, S M Munir President of India Pakistan Chamber of Commerce and Industry, Mian Zahid Hussain Chief Ministers Advisor for Information ‘Technology (I), Abdul Haseeb Khan Senator and President of Brookes Pharma, Nazeer Hussain Deputy Director PSQCA, Khwaja M. Yousuf CEO National Productivity Organization of Ministry of Industries, Arif Ansari Chairman CPA Punjab Region, Mian Irfan ‘Akram Vice Chairman Legal Affairs, Anwer Aziz Jakarata Wala, Mohammad Ishaque Abbasi, and Mujib-urRehman, and many others.@ As: celebrated on a national level, Consumer ChoiceOn-Going Trainings... ee =n ‘The Executive Development Program for AVPs VPsis designed to make the participants understand Vision, Mission and Core Values ofthe Paucs cia nce Le Ue oR ie oe ea eh cay Co et re et Ue eae ey pred re ech ae nee ce con ee ‘Groom & develop the participants as the future leaders ofthe Bank. At the same tine improve ther skis in the field of ce ou eka 80D Group successfully conducting Leadership Excellence Training Program for Executives of the Bank. The objectives ofthe program is en RY ae A ean ‘commurication between GMs for improved work performance. Help them gain deeper appreciation of the work of other departments and Crore Gn err Pe een artists tae EN Ra cag ie ee poorer Nn eee Cuma ae enn eae er Mani Cece Le ce eee tes en cise eesti ee ene eee ge enn ia te ier rare rarer oi esr en ter a ee Lect eee ars aes hagRecently NBP inaugurated helpdesk at Tahwee! Al Raihi -AL-Khobar Centre, Eastern Region, Saudi Arabia for Home Remittance Customers. Khalid Bin Shaheen, SEVP/Group Chief and chairman NBP Exchange ‘Company Limited inaugurated the elpdeskalong with senior officials of AFRajhi Bank and Tahweel Al-Rajhi a ae a &> 1 ° we NBP in line with its national objective hes recently inaugurated its 16" branch of NBPExchange Compary, ‘which is a subsidiary of NBPin Rahim Yar Khan. The mere objective of this branch is to facilitate its focal ‘customers and especially Pakistanis ofthis erea whose beloveds are residing abroad. The branch wil carry out foreign exchange trensactions and collection of home remittances forits valued customers. NBP launches Home Remittances Arrangement with Sharaf JAE 'NBP boingone of the leading Bank in sorving Oversoos Pakistanis has yet again strengthened its position in the UAE market by joining hands with Shara! Exctiange LLC to facilitate its customers through NBP Foree Cash and NBP Foree Transfer services’, Sald Mr. Khalid Bin ‘Shaheen, SEVP/Group Crief & Chairman NBP Exchange Company Limited. ] Happenings I Mobile Training ‘One day ralnng Program on “Operational Risk Loss/Inoident Reperting Mechanism” wes, ‘organized by Sta Colege, Karachi for Hyderabad Roglor. Thetralning was imparted by Or ‘Muhammad Asf Khan, Head Research and Development, TENDD. He sharedhis views on ‘the BASEL Accerd forthe understanding o! the mportance of Incident Reporting Mechs ‘othe participants of Hyderabad Region. The raining program was initiated Developed by Operational Risk Management Ving, Risk Managernent Group Read office Karachi fer the implementation ofan instruction circular # 03/2013 dated January 04, 2013, a Health is Wealth ‘A Modical Camp was organised with the cupport of Easy Max Company Representatives at the Regional Office Hyderabad, Hassan Ali Memon, General Manage: HR and Ashiq Khowaja, Bank Doctor, wore also available at the camp. Easy Max Compary representatives checked Cholesterol and Sugar level of NEP ‘Stat; they aiso brought mecical instruments for sale at discounted rae Good Memories! ‘Muhammad Anwar Quralshi, A/P/Incharge Accounts Section, Operations Group, Regional Office Hycerabad recentiy retired from Bank’s Service. He receved shia, Sinch Arak and topl fom Muhammad Zarran Kran, SVP/Regioral Head, HySerebed and Hassan All Nemnon, \VP/GM.HR, Mashoog Al Khuwaya, V/GM Operations, Muhammad Arshad, VP/GM-Business, Irshad Al Zardan, VP/GM-Credit and Rafique Armed Burgh, VP/RCO, Compliance, Wing RO Hyderabad. He was an exceller and committed worker of NBP Famiy. Offcers Noor Ahmed "Merron, Hala Brann, Saffar Al, Abdu! Majeed, Guard also retred fom tie Hank services. 17}1 Happenings I ‘Alas Khan, Regjoral Head, Regloral Otic, Peshewar, addressed the particpants at atraining session at the Staff College, ‘Ase seen inthe picture is Ansar Rava Gohve, Director Staff Colege Peshawer Inauguration formaities of Saleh Patt Branch took place at Sukkur Region. Preset atthe Ceremony were Regional Head Suku first Business Customer Gagan Lal Owner of Lal ‘Cotten Factory, Branch Manager, Sadar Ahmed Abbasi and other staff members. Promotion Larkana Promotion Letters distribution ceremony of MTO Batch- was held at Larkana Region. The following officers ‘were promoted to Grade |. They are Abuzar imam Jemro, Ali Laghari, Abdul Baqi Khokhar, Hamid All Kalhoro (General Manager HR), Mushtaq Ahmed Shailth (Regional Head), Bisharat AliKurbhar ‘Tariq Latif Ansarl, EVP, P&IRD, HRM&AG, NBP, Head Office, has been tansferred to Logistics Supports & Engineering Division, NBP, Head Office, Karachi as Divisional Head til further orders. ‘Muhammad Salim Qasim, VP/Wing Head, Administration & Coordination Wing, SME & Commercial Banking Division, 'NBP, Head Office, Karachi is wansferred and posted as Wing Head, industria Reations Wing and Recruitment and, Outsourcing Wing, P&IRD, HRM & AG, Head Office, Karacti.T&ODG making history For the first time in the history of NBP, Training and Organisation Development Group held three days training course on EBS & Allied Applications and ATM operations ith the automation of more then 1294 branches country ‘ide NEP hes once again made a mark to provide steto of the-art services to its customers even in the far flung, areas, By the virtue of automation of large number of ‘branches now customer in every nook and comer of the country can enjoy the services which are being enjoyed by the customers in the ‘major metropolis of the country. ‘The program was held to provide efficient and proper use of oniine applications such as EBS, CAOP, e-Remit, EOBI, GPS etc. and to get ‘maximum output from online applications. T&OD Group has taken Up this initiative to provide organized training to field staff in order to enhance their professional kil in overations of banking applicaton softwares which is boing used in NEP branches. in the regard for the First time in the history of NBP, T&ODG hela 3 days training course on EBS & Aled Applications end ATM operations was added in the training calendar. The inaugural three days taining was conducted by Syed Anjum Naseer AVF/ IT Manager, IT Centre Baluchistan who is a seasoned IT trainer and possess 16+ years’ experience in T and Banking operations. Other trainers were Karim Bukhsh, OG-l, ITCQTA, Mugeem Ahmed, AVP, ITC Multan, Sotail Ahmed, AVP ITC Lahore and Amer Nasaruliah, AVP, ITC Lahore, ‘At the end of the training the participants gave very postive and encouraging feedback and termed this initiative as a success as they need such courses related to the work which they are coingin dally routine job. Prior to this training session participants were not aware of many options evailable to them in EES and allied application which they have learnt.n this session which will not oniy ease their daily operations but will also be helpful in grasping new business. Inthe last session, present on the oocesion was Molzuddin Khan EvP/ Divisional Head ODA‘. He expressed his satisfaction aver the feedback received from the participants and assured that such sessions will be conducted in future as well and atall staff colleges across county. ALLIED APPLICATIONS WITH EBS EOB! PORTAL, COAP (CENTERLIZED OPENINING ACCOUNT PORTA, COAP (LOCAL REMITTENCES), COAP.II FOR OLD EBS OF TO NEW PORTAL CIF, LOAN MODULE, 1-EOD, CURMS ( A.T.M CARD PORTAL}, GOVERNMENT PENSION SYSTEM, @REMITTENCES, PREMIUM AMDANI, NBP SAIBAN, TDR, NADRA VERISYS SYSTEM AND CUMS. (CENTERLIZED USER MANAGEMENT SYSTEM) National Bank of Pakistan, the leading bank in the country, has converted all its branches to Online Status. Electronic Barking ‘System (EES) Is boing used by all Online branches. In order to facilitate the End Users, following are the main features and procedures of E8S course outline for conducting trainings at Staff College. The EBS System covers the following activiles of branches; GENERAL LEDGER, CHARGES, NEP GENERAL ACCOUNT, ONLINE REMITTANCES, INTER BRANCH TRANSACTIONS (IBT), ATM TRANSACTIONS, NBP ADVANCE SALARY MODULE, PAK ARMY MODULE, INTEGRATION OF ONE EOD MODULE FOR KAROBAR, SABAN AND PREMIUM AMDANI All the cash vouchers of the day are to be entered in the system. Duringentry, the Batch Number and Serial Number is automatically generated by the system for GL based cash entties, while Account based cash entries will have Batch Number and Serial Number ae zero. The operator entering the vouchers must verify before entry that all vouchers have been branded with @ Cash or Transter “Paid” date stamp bearing the current date, ‘A the close of ousiness nours, the Cashier's receipts and payments ‘book must be tallied with the receigt and payment totals of the Cash Scoll generated by the system. The closing cash balances must also be tallied with the manual cash summary book.® QIssue # 42 Patron Dr. Asif A. Brohi Pron Estar Gt Moen Ran eae fer ron Concept Layout: NBP Newsilne Creative Department Don't mis a single save! (only t you aeentted to) _youmsy cont vs 602199225677 ‘any vou us Fer ay change of adress. Budget 2013-14 ‘he long walt was over when the newly formed government unveiled what is being termed as ‘an investment and business friendly budget’ with a total outlay of Rs 3.5 tlio for the financial year 2013-14. Total oxpenditure for Federal Budgot 2043-14 Re 3.6 trilion; fiscal doficit 6.3%; PSDP Rs 1.155 tilion; GOP growth rate projected et 4.8%; inflation 9.5%; revenue target set at Rs 2.475 ullion; defence allocation Rs 627 billion; Rs £26 billion allocated for debt servicing; GST raised from 16 to 17 percent; Rs75 billion allocated for Income Support Program; Pension up by 10%; minimum pension raised from Rs 3000 to 5000; Rs 225 billion for energy sector development. The budget envisages a record allocation of RS 1.155 trillion for Public Sector Development Program (PSDP) with an aim to stimulate the ‘economy. A big chunk of Rs.225 billion will be spent on energy sector. The government has allocated Rs 627 billion for FY 2013-14 defence compared to Rs 570 billion for the preceding year. Proposed an increase in General Sales Tax (GSN) from 16 percent to 47, bring down the expenditures of Prime Minister House by 45 percent, which he claimed will result in a national saving of Rs 40 billion. Ben on purchase of new cars for Prime Minister's office but the ban will not be applicable for law enforcement agencies and otherinevtable requirements, an increase of 10 pervent has been proposed in the pension of retired government employees and the minimum monthly pension has been raised from Rs 3000 to 5000, The budget for next fiscal earmarks an amount of Rs 75 bi Under Income Support Program. The tax exemption for luxury cars Is proposed to be abolished while 1200 ce hybrid cars are being exempted form import duty. ‘A concession of 50 percent has been proposed for 1200-1800 ce cars. RS 20, 000 tax will aiso be applicable on the purchase of 1000 CC cars. ‘Awithholding tax on wedding ceremonies being held at commercial venues has also been Proposed alorg with taxes on foreign movies and dramas. Taxes on cigarettes, pan and ‘chahiiya have also been Increased. GDP growth rate target for FY 2013-14 has been projected at 4.8 percent and revenue target at Rs 2.475 trilion. The non-ax income will be Rs 800 bilion. The government has allocated Rs 185 billion as power subsidy. The budget proposes to abolish the ministors’discrotionary funds. The government will initiato 4 Prime Minister Laptop scheme. Customs duty on water fitration equipment is proposed to be decreased while the people's works program renamed as Tamir-e-Watan Pakistan program. The auction for 36 technology will be held soon and the borrowing from the ‘State Bank of Pakistan (SBP; will be reduced. The rate of inflation will be kept under single digit and its targeted rate for FY 2013-14 has been fixed at 9.5 percent. Hope this now budget will bonoft all Pakistanis and prove to bea step ahead in our iyv ‘Tne opinion exgressod inthe Eator’s Note do nok necessariy reflect the views ofthe Natioral Bank of Pakistansloan facility Today NBP has over 30 leading OVErSEAS remitting partners. extending NBP's Foree Remittance Facilitating Overseas Pakistanis name ee mon NP ed ep nent op $id foc on vad oe metic en Tove vat Fry clas ofa ang pt none ‘heey amen hy ren wie each Sergent momen ie Paksa eerie aired ional cn A bog he "Nason Bak Snes ‘SBapenconmimn nd cated staph pcre oop poe ‘Se mona one atta get pena te ec be “rg emcees we wapermrmalespece ey ta ery st pe fie NBP thd ate Cage fy, sepacs proteus wth brags tb! Sang att [SNP ba treme bing nym Pao oh ‘eng NIP alo eel he npc of bm maitre a be ‘ulsover wich abled NP ar ar ayer inthe ome ‘nace non Hiss pera dev re ee “Coupe ranped NOt bare roceing wtp ary rane Services to remitters in their respective countries. stein can reve hr ete in ane oe the ping inn the eprom of oven Pabst NEP bat ser Nt Fre uh ence pe ohh ew eee ‘Camper aod sadrematne tr lved ons in son ee ‘ealaace is tunedly salable to teneBehrer Pala or “lcs a ry of NDP 12 bance nade wheat, ee ce i end Mot Eee ict Eco Paan Trove aed remtancy oregon bat sere gah emanate ce 5he adie eonestence aed Zocor ese of Bega awa cane. Today BP bu ever 0 ending ret ‘ete tire cousin Wise ste iors ‘Regu eae ery 9 "Nn cup Kah ie Sabee SEVE Gang Chi Chatman Sarssoeageonscsaens ‘ahined vB dedicond, xenie and in Ienlingsystin to addres qusefeievaces 8! ie ieThe global core banking market has persistently developed, with a significant fraction of banks having switched their legacy systems with more ‘fficient and flexible core banking systoms. The need to change core is because of obvious mode ‘of analytics and Its application modernization: providing a more cost effective and efficient way 10 run core processes. Most emerging markets are finding core replacement a necessity to ‘compete in an ever more competitive, ard to regulate banking environment. Se Reet torn! fl MOK Dia aren? gation iva 28 arn Howe an on bane than clams vrt Ns Sein srs te sour (29 eon) to eroue reaireslor rahe bach leery {cared from Mh Go Loe and pir rasacotomnort Status Update sue Brg vin Cha Aout raed by 0G ER for hw an Banking stoma FS sate to str this Internatio ‘Status Update To & Cora ranches in Span ae row ve or Aros Sov Breneh inSouth Koren ale sto goin une wc wi Seonstr rene onus selma NPResearch Mehlian Sarki, Officer Grade - Ill, HR & ADMN Wing, NBP, Regional Office West, Karachi, recently submitted her thesis to the Iqra University Research Centre. The thesis studies the relationship between demographic variables and job satisfaction in the banking sector of Pakistan. Relationship bet come, gender, maria sats snd pp satsican sas measured bed on the flloving actors: empowerment, feedback, compensation and incentives, growth opperiuniti and. work SirronmskA srucined quesiomaie wraa used to collect data tn a survey Invovng employes working or aflre banks, ANOVA snd Independent Fest, wrre ed fer analyang the dats Tas Tou tht fencer demographics dh have a substantial reatonsip Wit coplyecr” perceptions cn obaiied fadiors detrmising the level of Job saintucton, “The Banking industry has lays been regia for kng hour aed ks tnd high casometinteacen. Looking at the wortoad it hs now become egal for organizations to Keep employees salistied for high performance and Fett. Ths reach mst deteine how demographic variables are related ‘with job satisfaction amongst various banks Batelco 290 bank wavanaed nt Service Soltuom) ANOVA and Independent Ties were done to Eitcont dimensions of job stafacion ‘rth the selecon f desoepvarables Iidludiog wart stat fender, age Income and tenure, Save was carted Out obaan daa wif te help of Stuctred questonnate, T'was found that a diference in perception eis towards vaabis reted pt on grounds of mara atta, geet age, income and tenure. Job satisfaction cin amir ofp inre n tery fel Every ddd pues ob scion cent bl Une ge, Phy erie pie inde ouch ere spe meoene eeaen sgder maria tau wi job saison, {Fog heving differnt seonographics hae diferencia job satsation or not bd on carci tke eupowernen tfronmest growth opps Snd development incentives and 3 following demographic variables ere selecied as predictors: age, oyecs tisfaction Var compensation. "Job sustain s detned as “he exsent to which people like fsasfacton o dsike {@isasfacaon) thr Jobs" (Spector, 1980). Length of somebody's or something's ceitenoe the eng of tine that somebody orsomohing has existed, usually expresed in years. Gender i the division of people into two categories, men” and “women.” Through tateraction with caretakers, sodlieton in chlelnood, peer presure in adolescence, and gendered work family roles vornen al men are socaly constricted (0 be diferent in behavior, tttinides, and emotions. ‘The gendered socal order ls based oa and fuainains those difcrences” Borgata & Monigomey, 3000). Income is the consumption and savigs opparunty gained by an enly ‘within a specfied time frame, which is (general expressed in monetary terms, (Gar, 2004) However, for households and Individuals, income is the sim of al the ‘wages, sare, profi, teres payments, rood oer ro aig z in given period of ime" (Case & Flair, 2007} For firms, income generay refers to astproe via! mabe of ravens oer tcxpenues have been subtracted. Schoen, in the feld of public ccovomies may reler tothe accumulation of both ‘monclary and nonmenelay eonsumpton ably, oe former beleg used ata proxy fortolal incomes A perso's martal satus indleates whether the person is marred, ‘Questoas about marti sats appear on many polls and forms, including censuses and Credit card applications in te simplet tense, the only possble ansvers are “angie” or "ame. However, other options are often included, such ax “irorced’, "widowed? widow or vidower, and "unmarried parters™. While anyone who rot mari uch “ange in legal terms, ir often seen as desirable to include these other items. Some teamed people do ot iden sng! for a varity of reasons, and may be reluctant to deseribe themselves that way Tn ome cases, kuowing that people are dlvorce, widowed, ora relationship ‘more useful han snply knoving ta they areunmarred.@Inspirational | Tales Muhammad Iqbal Qasim, EVP/Divisional Head, CSR Division, determines the ergaisation objeetives for CSR providing Y m k expertise, advice and direction. He ensures thatthe CR strategy goals tre met by bringing the sbategytolife and building CR into business . 45 usual activites, He organises and schedules evets,activiges and Fesourees, sets up and monitors schedules, tine scales and plans, ro u a a I n ‘Mohammad {qbal Qasim is a former who played in 50 and 15 from 1976 to 1988. Qasim ended his career with 171 wickets in his 50 Test matches, at approximately 3.5 wickets a match. His accurate a a I n bowling saw his economy rate at a low 2.21. He pushed the ball through quicker than normal, not extracting great tum, but deceiving, baismen through variations in pace and ry. He ls most notable for spinaing Pakistan (o victory in the Sth Test. at of the 1987 India-Pakistan series, and thus securing Pakistan's first series win on Indian soil. He took 9/121, including the key scalp of for a ‘96 in the last innings of the game. Iqbal Qasim, EVP/Divisional Tal Qasim remained team player leg spinner, though his Head, CSR Division has recently “Sie menbers wine decd onto foam new povennig brand of the PCB under ils new constitution, Naveed Akram Cheema is the been elected to represent NBP | cry one among five members wio has retained his postin the as Member Governing Board of Yering body. Inthe last governing body only one seat was reserved Pakistan, Cricket Board for a manager of the national cam for the past three years, Incumbent chiet i felector Iqbal Osim from NBP, Haroon Rashid (SBP), Masood Anwar Period of one year. inti (Paty and Aly Mustansr (HBL) we the athens ko have been elected. ‘experiences of employees overcoming work hurdles or acting beyond the call of duty ‘inspirational Tales’ is a regular feature about touching and challenging or amusing personal you would Ike to share your side ofthe story, kindly call at 021-34304767 or send itat editorrbp@hotmailcomCorporate Social Responsibility NEP scacsr Upgrade Computer Lab NBP donated computers to Sheik Zayed Islamic Research Centra, University of Karach for upgradation of their computer lab. Itisancn profitable organzation which runs under the education progam of UAE. 3rd NBP Special Games NBP sponsored the Third NBP Specials Games organized by Professor Iqbal ‘Memorial Trust for special persons. These games are Neld every year for tne special Chidren in ocder to motivate and encourage them to participate in healthy activities. Arcund 20 schocls with almost 400 special children participated in the event. Bank ‘bears all organization expenses and prizes distributed fo the winners. Participation in an International Event NBP sponsored a team of engineering students of NED University of Karachi participating in e competion at Baja SAE Korea, Team comprised of students of ‘Aulomative Engineering discpline and it 's the fist team to paricipete in intemational event from Pakistan. The object of the competition is to provide students with challenging projects, enhance corfidence level in order to develop postive attitude and givo them the direction and guidelines to achieve future goals. ‘Sewing Machines to Empower To empower women, NBP provided the opportunity of self-employment to wornen living In rural ateas of Karachi. For this purpose a vocational trahing program at Manghoopir under tne Manghoopr Social lehad was held. Mushtaq Ahmed, Additional Deputy Commissioner District Central was the chief quest in the opening ‘ceremony. Sewirg machines were donated bby the Bank Sports Day for Special Children ‘Special children from various schools of the city pattcipated in sports astiviies organizeo by the Society for the Rehabitation of Special Children on Sports Dey. About 75 children and their families took par in Cricket, Hockey, Football and Athletic competition. Since # is a noble cause NBP sponsored the event with trophies, Kits and otner necessary items. k Fistula Surgery Medical Camp at Dadu - Sindh NBP organized a medical camp for treatment of women with fistula disease with the help of Thardesp Rural Development Program (TROP) at Civil Hospital, Dadu. tis avery common ailrront in interior Sindh which occurred due to mishandling of Gynea problem of women, If untreated at an early slage women may not be able to conceive. A doctor conducted 30 fistula surgery, the cost of surgery and mecicines was beared by a Medical Camp at Bhubhar-District Chakwal NBP organized a medical camp at Vilage Bhubhar, District Chakwal with the help of a local NGO, Bin Quiub Foundation. Since the village is far from the city area local population especially poor who are facing health related 'ssues. Majorly of them were suffering from water bone diseases like fever, stomach problems, etc. Team of Doctors treated about 400 patients and provided them free mecicines.BP sponsored the 2 All Pakistan Mangla Golf ‘Championship 2913, About 250 profesional Ladies and Gents Golfers participated in the toumament. ‘Tariq Khan Lt. General Care Commander Mangal Cantt alongwith Mr. Moeeniuddin SVP Regional Head, Mirpur ‘AK distributed the prizes to the winners and the runner-up. Sponsorship to Baseball Fadevation Pakistan ‘To promote Base Ballin Pakistan, NBP Sponsored Bascball National Championship in Lahore. Regional Chief, Lahore (Central) handed over the cheque to Khawer Shah President Pakistan Base Ball Associaton, NATIONAL BANK OF KHYBER PAKRTU! Inter District Football Tournament Peshawar Khyber PakhtunKwa Football Association organized 8h NBP Inter District Football Tournament. Around 16 Districs all over KPK participated in the event. Bannu ‘won the tournament beefing Peshawar in the fn. Minder ‘of Sports Mr. Syed Aqdl Shah distributed the prizes to the Winner and Runners up. Cash Prizes to NBD ‘Badminton Players NBP Badminton players participated and won All Pekistan Badminton Ranking ‘Tournament held in Klamabad. Performance of NBP Players was superb through out the tournament, Palwasha won the ladies single and with Sara Mohammad won the ladies double whereas Murad Ali won the men“s single and partnering Rizwan won the mea"s double. In appreciating their performance, the NEF rannageneat awarded ‘eash prizes for their oustanding performance. [NBP Stving hard to promote cricket in Baluchistan, Sponsoring Club Cricket in Dissict ike, Cawadar, Hub, Pas, Turba, Punigour, Naerabad, Xhualar Charman ‘ncollaboraion vith Regional Cicket Association Quetta. ‘Turbat Cricket Association has completed the Club ‘Tournament within tine fame and the final ceremony ‘Trophy harded over to the Captain of wining Chib. ‘To promote Cricket in interior of Sindh, NBP sponsored T-20 Club Cricket ‘Tournament at Badin ia which about 16 Local Cubs Particpated. Atthe nal ceremony BP's endeavor for the promotion of Sports was recognized by Local Print and Electronic media. Participants and Local Dignitries appreciated Bank's untiring efforts to promote sport. amM i PROMOTIONS FROM OG-I TO AVP Five officers of D.G. Khan Region have heen promoted trom OG to Assistant Vice President. They are seen with RMT, .G. Khan Region. Promotees are as follows Muharmmsd Arshad. AVP Manager. Kot Mithan Branch, Muhammad ‘Anwar, AVP (Compliance Deptt), Regonal Ofice, D.G. Khan, Zahoor Ahmad, AVP, Nin Branch, DG. Kran, Muhammad Kashif Najoab, AVPY Incharge (Operations, NBP, Regional Ottice, D.G. Kran and Muhammed Sadiq, AVP (CAD), NBP, Regional Dice, D.G. Kran, Muhammad Asif, world Snooker Champion appointed in NBP NEP apooined Muhammad Aston contrac basis nrecogriton fis vitory In the world snooker championship 2012 held ai Sctia-Bulgaria ‘This achievement has given a tremendous respect and honour to the nation. international Footballer Habibullah, a young international footballer, son of Khuda Buish Ex. Footballer of NBP team, currenty posiod HRD, HRM & AG, HO, Karach was selected in Pakistan Under 14 Football Team and, played A.F.C Championship in ran, Pakistan got 2 pesition In the tournarrent Nake Ahmed Khan. Rogional Head, Karachi West, inauguraiod INP Booth on 13th June 2013 at Cantt Board Faisal Also present lathe acassion are Wasim Shahid. CEO of CBF and Raza Abid ‘Shah Manager COD Branch Karachi . > hee Letter Distribution Letter distribution ceremony of MTO Batch-X of Larkana Region, ‘on ther promotion to Grade |. They are Abuzar ram damro ut ‘Athar AliLaghatl, Abdul Baqi Khokhar, Hamid Al Kaloro General Manener HR), Musntaa Ahmed Shaikh (Regional Heed), jsharat Al Kunichar ‘Ahmad Nasem, AVP. NBP. Regional Office Muitan has successiully qualified the Corifiec Decumantary Credit Specialist Examination ‘conducted by the IFS Schoo of Fiance UK jointly recognized by the Bankers Association for Finance and Trade, International Financial Services Association USA (BAFT-IFSA) and Invernafional Chamber of Commerce, Paris, France. ‘Tao CDCSA is an international professional Qualification that 's recognzed worldwide as @ bbenchrrark of competence indocumentary credits Wenabes documentary credit practitioners to demorstrate practical knowledge anc Understanding of he complex issues astociatoc with documentary credit practice. a Umair Sultan, 04, Project Managerrent Office, recently eared certification of Project Management Professional (PMP) which is the most important indusiry- I recognized certification for project managers. Globally recognized and ‘demanded, this cetficaton demonsietes that you have the experience, education land competency to leac and iract projects. Unalr has more than eight years OfIT and project management experience in banking sector He is armed with BS. degree from FAST ane MBA degree trom CaM.Features ‘When You Reach The Top Keep Climbing ‘round-up of 26 best branches of NEP NBP eyes energy and farm sectors Dr. ASif A. Btohi, President, sald tat NBP plans to extend its financing to the energy sector NBP earns best consumer award ‘ceremony was organized by the 8° Consumer Choice ‘Awards in Karachi First time in the history of NBP For the firs time T&0DG held three days treining on EBS & Alled Agplications and ATM operations Enabling Overseas Pakistanis ‘Today NBP has over 30 leading overseas remitting partners. ‘extending NBPs 'Foree Remittance Services’ to remitersin their respective countries Happenings (On-going Training... T&ODS is consistently making efforts to train their officers and ‘senior executives to prepare them to compete in this extremely ‘competitive financial industry NBP inaugurates helpdesk Khalid Bin Shaheen, SEVP/Group Chief, Global Home Romittances, inaugurated helpdes at Tahwoo! AI Rajhi-Al Khobar Centre, Eastern Region, Saudi Arabia for NBP customers Branch inaugurated Inauguration of Saleh Patt Branch in Sukkur ff Regulars Inspirational Tales goal Qasim has made us provi again Sports [An Integral part of NBP's way of fe (Our World Tidbits from pur side of the world For your suggestions and Teedback callon 021-99225677 ‘emait editornbp@hotmail.com Contributions to NAP Newsline, may be sent to 6th floor, Tower-B, FTC, Karachi. DS rora ‘The contents ofthisnewsietter ‘may aot ba reprints ‘without permission The Ecitor has the right to edit any writeup sent for publication for clarity and space.National Bank of Pakistan is a reputed brand. It is. financial institution, recognized for innovation, superior customer service ond performance while creating premium valve for all sokeholders. Today, the Bank is delivering superior customer service experience and developing desper and brocderreltionshp with all cliants. Optimally the Bank is expanding ifs operation by odding new distribution channels and entering into new markets ‘where opportunties exist. The Bank hos successully emerged through the difficult years of transformation which has indeed been quite testing for the management, But some effective bold and vigorous iniitives by the Operations Group have acceleraied improvement in the outlook, infrastructure, customer service ond positive image of the Bank. The Group with complete survey and performance verifcotions hos ploced 26 branches from all over Pakiston in leading positions. NBP Newsline with the guidance of the Operations Group has given a quick round up of branches which are becoming © benchmark in terms of their interior and customer services. These select few branches ore demonstrating operational afficiency at a higher level, 0 improved customer services in regard to deposits/withdrawal, poyment of tity bills ond pension in this intricate business environment.‘AVARI HOTEL BRANCH Korachi South Bie ender GO, free Tac toto, all tndanajDepay, Rewoaaces, MeO pnny aed Clee ‘evn. The Bench loca a te ba ef Cones ty Rnow hy Wpaced om ep (MAIN BRANCH Sukkur The Banh cnc me fan 500 ponders to dy cece nn 30 Uy Ble ATRL Machine ale a te ma gat ad locke acy ‘esa nthe Branch, Mam rch Sal och ts minted is expends to ree de prolif the banc eh ane messes Te anh (Shomer ino of cers cp other horton TURBAT BRANCH Gowedar The Roch va ped 1 ds or eng psn ranch pemiesnconered wi a bx ‘eather toe ats the Fone se a he te backs pecen hasbeen coger snl {ama repr In Cash Depatment hve are ee ‘hunter for cash dealing for goveramest rec ad ‘omens and oer forts amar exh esi alprymnn Cres oe ected cvcy pe ‘ata fotr or penser an wang ves sangeet eld crest Sranged or her oor CIVILLINES BRANCH Faisalabad Te han aah at rice, The bral has atestsh-ar irr orig we eh Bs deployed ite tnt poms eosin eset pole ee Ay teaed bythe ct tat BT bea ops wa ecorded eer fm the permanent alWAPDA HOUSE BRANCH Lohore Central Regi bt nite Ps Cena ed arsed Teaco gent seralnet hice eel Time SSE Sid cr es ch acl Cheyne tet Shrobne eared cnr eat Seg en gates wea sists CIVIL LINES BRANCH Sargedho eps Casines Faciaton Hall seca to ‘heidi wc an mga 117012. facate ore han 100 goers pemene Se uy il cases: eas per eng agents eth ale of ss AC an ie a el been hy ye mc pence TH cmon ‘Nain Branch bg bal yas reoomaiedcfubhed van ncrnoder dens and aeenois Im ort ‘Cesmmoriie more Ba 50 sed earn owt ‘pacar and cane cn to acca ble bert snd seco conor. ‘AB hse shy ean ers Nr than 0 TM card aed ary acral, Pe sa cama for Wetem Uatoye Reman, Die. ye Open Atl card opiates eng ‘Seperate cabin for Gold Laan euromers to ensure confident. n he ant wk of Se oot, soma ‘Sak coantes are opened ta cllate he atte. "cron then icine hs Yen ed ts ley corners who are ved a it cot tba ‘MODEL TOWN RAHIM YAR KHAI 7 Bohowalpur (Ou branch cating ode needs of hosands sf cosemers incon the man cls, Sine he epon ‘Dye Gomera Spc see ly dab hin tbe drt ean fe eagaged al Kn of ‘Sacha thw rani ogre Tw war abe ify a eandioned and evs Sea sso reed ft Pe png of eleder oe Dan pei Mae an ‘ta’ mena wept nl branch prove ber [iy wnice othe cence Brac ly ated {Sel pene cry i ong vies cine ‘deander ATRETC te aan Drache Femuiped voluve leader tose Roghn To th TatDee MAIN BRANCH Dost, Saka ‘Th Boch bw ingvediiabocne is, tee Spr ks er Bn Rens ec S106 enreoe of he Bach Te malay of Fok Raat mag srugens ates pan ope ‘prove comer aon. BANK SQUARE BRANCH Centon Lae oie Seco eree ce oe eee spe SGRLTONE cyte eeee picts Serpe reg ine eae eta BisicBany rage ene ale we Be COA rea s MAIN BRANCH Du Khan Det ee eee Rrra reactors ‘vb pnd aur dopnar eo pon eote weet cee Ficheros nevonpee ce Se ae eee ate ae cone spt ine Ts aguas hosts set Sdhane fay ina Rite cd apt Kad Cout eonieraen pass tamaraMODEL BRANCH Gulbrg I, Lohore East Siete ty eet topo fue Se eee se bling toro caster and elf peeey tia geen np oak Ee ean ey be eae ng Soeea ore cmt ceee Papert erhe eta cn ay at SSeS or coc cats rietpeaa oath cae ATHMUGAM BRANCH Muzofarabed Togas be ay wader lie of tabian ‘Army. Before, 199295, fold gore rl mora shel of hole Tan Aro. ‘Ferns tr brngsorces neh Vly eg ‘pena brands inthe sex NBP Alban Branch le ey ‘hanch whch laced th hr eadgure of ack ‘ewan APC Iie utsaied tbe allege of the Sine of Aved Jumma end Rests NB Alig Brava lacesd terme art sce scpred pec arangement to provide ole connecey {dhe branch, The oem fhe banch can soe rat i tg ough ego od ean to Chia and ‘Rela Valley veloping she at ght er it {Gove Being ssned tthe ret heedgusters of Dirt ‘Scene Adnogan Ranch spn the sevice to Pakean Army AJC Goverment nd Caner ike "Fee NEP Ahmogam Rrnch ae kinds of bankng sev cnr indy aay Ds Renign Pn Governet Popeyes Ul ‘Bis Coleco Bg Faken Agar Pea ‘THE NEW CITY BRANCH Mirpur AK arbre recorded eo fr, The rach bas opened 11 Mismasdacng he pred og mete‘ond the clack "The ranch has empresa Mer. ems li cB Gr ood wl ‘ih etal Inorg sd ls dacerpng Ui de, CIVILLINES BRANCH Guirormole NEP Gis Lies Branch, Gaal ee lage! tran of ae Rogie, esaly fs IS torer fiend and all BP PRIME MINISTER SECRETARIAT BRANCH Islamabad premio in the Red Zo ‘pally sve cons Good wang srangemt sed terse a secret of ranch ‘neve Heep somersere othe Bae reed iste mereating mera = ‘TANDO ALLAHYAR BRANCH Hyderabod Tue enya rach working ta a Hed (ter. h pro compl an exelent prs Mason 1h nc nh Tey Bech iv MAIN BRANCH wth cole grermmentforign Gennes Bholkar, Dera Ghost Khan fie branch very pretest deg ‘pen ss nase pce aie he Sam th Se hp in et in cordance wi {ej nea pymenteo ky br pss Fhe er sing ara‘SKARDU BRANCH Gilgit eon egy tis the only aul-chest branch which fulills dhe cash ‘oer eem relocated nl enone acing Snare de Ag a ‘tor and one Stora a went as bee comple. Suhre nr eso epee Eo a Teds ste eld we rch ‘acagerent and sal ace perigee th ‘eakealon and bos 9 i pfeil ae of oe ‘Eile ne eel ee compa te Tan apd be bier ac ine ef Cound ‘nea The antes nth ere of Mam sr ‘Stands and tacts be eal ctoraes are adhe aarp aris STA dad OH Govetnet wanton wr pore t ‘yah Th Sac Range he baa ac peed {fom Cio B bees ofthe sng nea Cone se Gh branch and tooth ly wanton, Thre wt Evteal and oper hs bec eee toed ce he ean of te trae TALAGANG BRANCH District Chokwal, Jhelum 208 secon ont tana at te Baa med the {ean recorded sro oe of complain 302 Peres (ibe beach are pray seared nd wept cas {he genta eae of de branch All ot of Home ‘Rewitance coma te being traced 9 Lie bach ‘Sigaboanplacands pertain to Wostn Union, [eset Se Nee Money ee aie pom Eich iis Hows, poo om NEP MTL Atami re mo NBP CORPORATE BRANCH Rawelbindi All ype ollie ae pid ata ‘onder one rot tncoding slaryfpeson Fetments ep of Teale Calan ity Bb, Pyrent te meet eo dy the trac ate ened ‘Sac the cutee secrdng wo neo The ‘ranch em vay eave ad ppt accom ‘betena even dunn iy and pron nance da y HAYATABAD TOWNSHIP BRANCH s Peshawar ieecicraacaaek tore ‘revenden fhe wea Tloweve, nde to ave beter Srpnernre omer Soperaglerann nantes team mcm trated to delve aor rope Sipe ear ae stu act pe ae iene a enim ria eeeetcton panda tengrsaremeaed: Soo crea smite sauce ats Sebeecaen iene eteen Gartner Senieeeieirmear et Sectseatt aces ae Si ies eee Hee Seen eee {cata eatn Rp nes