Catg

AOF 1 R
2 R
3 R
4 R
5 R
6 R
7 R
8 R
9 R
10 R
11 R
12 R
13 R
14 R
15 R
16 R
17 R
18 R
19 R
20 R
21 R
22 R
23 R
24 R
25 R
26 R
27 R
28 R
29 R
30 R
31 R
Negative List 32 R
CNIC & BioSys/VeriSys 33 R
34 R
35 R
36 R
37 R
38 R
39 R
40 R
41 R
42 R
43 R
KYC 44 R
 45 R
46 R
47 R
48 R
49 R
50 R
Source of Funds 51 R
52 R
Beneficial Owner. 53 R
CRP 54 R
55 R
56 R
57 R
EDD 58 R
59 R
60 R
61 R
 Discrepancies
AOF missing / not sent for review.
Name of Branch / code not written on AOF.
A/c # not written on AOF, SS Card., IBAN not mentioned on AOF
SBP Code not mentioned
Account opening date not mentioned
Types of account not mentioned
Currency of account not mentioned
Types of Entity not mentioned
Title of account not mentioned on SS card
Complete personal information of Account holder not mentioned
Complete detail of residential address not mentioned
Category of Applicant / occupation not mentioned
Full particulars of occupation not mentioned
Zakat column not filled
Detail of Next of Kin not mentioned in individual accounts
Additional Information not mentioned (IF REQUIRED)
Operational instructions not mentioned (IF REQUIRED)
AOF not signed by the customer
AOF not approved by the Branch Manager
Cuttings/Alterations on AOF not approved/authenticated by account holder
Account marked by / Computer Transaction not mentioned
Initial Deposit not written on AOF
A/C has not been opened with initial deposit in cash (except Govt. / Collection A/C, or accounts exempted from this).
Manager certificate not signed by manager
Account Opening Check List not ticked properly
AOF rules, Terms & Conditions not signed by the Account holder
Detail information of all joint account holders/partners/directors/trustees not mentioned
Operation Instructions not ticked /signed
Signatures on the account opening forms not admitted and not attested on S.S. Cards
KYC Form not complete/properly filled, threshold number of transitions missing
CRP not done and Risk level not mentioned
Evidence of Name Screening from proscribed/designated lists not attached
Copy of CNIC from Individuals, all Partners, Company Directors, Trustees and/or authorized persons not obtained
In case the CNIC does not contain a photograph, in addition to CNIC, any other document such as driving license etc. that contains a p
Copy(ies) of CNIC has not been scrutinized and marked “Original Seen and Returned”
BioSys/VeriSys not done/attached (of individuals, partners, persons authorized to open and operate the account for companies/entit
Customer holds more than one CNIC
Customer has been identified as suspect
May require further proof of identification, whereas, no such proof e.g. copy of utility bills etc. is obtained.
Particulars of VERISYS/BioSys mismatch with the particulars as mentioned on the copy of C/SNIC
Particulars are not visible on the copy of CNIC / VERISYS
Signature on AOF differs from CNIC no declaration obtained
A/c opened with expired CNIC without obtaining NADRA receipt signifying that CNIC is under process with them
Identification of customer not established
Complete KYC information is not mentioned on the AOF.
The branch has opened the account in case CDD/KYC measures are not satisfactorily completed.
Transaction in account mismatched from the expected average transaction activity.
Maximum value of transaction per month not matched with the source of funds
Number of transactions per month not matched with the source of funds
CDD/KYC not conducted for mandate/attorney/agent/authorized to operate the account
Source of funds not identified
Documentary evidence to establish source of fund not obtained
Beneficial owner not identified; Ownership & Control Structure not verified by using reliable information/satisfactory sources.
CRP form not attached
Risk level not mentioned
High risk customers NGO/NPO/Charity/PEP not identified including and approval not obtained from Head Office.
High Risk customer rated as Medium or Low Risk
EDD not conducted.
EDD Not properly Filled
Not commensurate with information of account opening formalities
EDD approval not obtained from Higher Office (s) as per Matrix
Active Efective
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
Y 44040
 Type of A/C
Individual

BBA Account
Proprietorship

Partnership

Joint Stock,/ Limited Cos,/ Corporations

Trust/Clubs/ Societies /Associations

NGO/NPO/
Charity

PEP Accounts

Government Account

Autonomous Entities/Armed Forces

Agents Account

Executors & Administrators

Scanning of AOF
 Comment
Photocopy of any one of the following valid identity documents is required;
(i) Computerized National Identity Card (CNIC)/Smart National Identity Card (SNIC) issued by NADRA.
(ii) National Identity Card for Overseas Pakistani (NICOP/SNICOP) issued by NADRA.
(iii) Form-B/Juvenile card issued by NADRA to children under the age of 18 years.
(iv) Pakistan Origin Card (POC) issued by NADRA.

(v) Alien Registration Card (ARC) issued by National Aliens Registration Authority (NARA), Ministry of Interior (local currency account only

(vi) Valid Proof of Registration (POR) Card issued by NADRA

(vii) Passport; having valid visa on it or any other proof of legal stay along with passport (foreign national individuals)
In case of a salaried person, attested copy of his service card, or any other acceptable evidence of service into on record.
In case of student, copy of student card is not obtained
In case of pensioner copy of pension book not obtained
A/C of Illiterate
In case of illiterate person's account, photo Account not opened.
In case of illiterate person's account, both right and left hand thumb impression on the specimen signature card not obtained.
In case of illiterate A/c, Age & mark of identification not written on AOF
In case of illiterate person's account rules in Urdu not obtained signed
In case of illiterate person's account Urdu annexure/Vernacular form not obtained.
Stamp “Account holder to call in person for each withdrawal” not affixed on AOF.
A/C of Blinds/Visionary Impaired Persons
A/C not marked with Blind/Visionary Impaired person
A/C not opened in line with the instructions of illiterate accounts
For literate blinds recent photograph not obtained
Minor's Account
Birth Certificate/Form-B/student card (as applicable) not obtained.
Date of Birth & Date of attaining majority not marked on AOF
Noting “the guardian will continue to operate the A/C even if the minor attains majority”.
Photocopy of identity document of the guardian not obtained
BBA account opened with balance less than Rs.1000/-
Declaration of Proprietorship on business letter head not signed/ not obtained
Firm's stamps not affixed on the AOFs and S.S Cards.
Request letter on business letter head for opening of account has not been obtained
Sales tax registration or NTN, wherever applicable/ Introduction not obtained
Certificate or proof of membership of trade bodies etc., wherever applicable. Registration certificate for registered concerns.
Attested photocopy of CNIC card of all partners.
Attested Copy of Partnership Deed signed by all the partners not obtained
Attested copy of Registration Certificate with Registrar of Firms. (in case of Registered Partnership) not obtained.
NTN certificate of the Firm not obtained
Original Authority Letter signed by all the partners in favor of the person to operate the a/c of the firm not obtained.
Firm stamp on S.S. Card and AOF not affixed.
In case of unregistered partnership firm; noting to this effect not marked on AOF not entered in the System
iv) Authority letter from all partners, in original, authorizing the person(s) to operate firm’s account.
CNIC copies of all the directors not obtained
Certified copy Memorandum of Association not obtained And
Certified Copy of Article of Association (wherever applicable) not obtained.
Certified copy of Certificate of Incorporation not obtained.
Certified copy of SECP registered declaration for commencement of business as required under Companies Act 2017 not obtained
Resolution of Board of Directors for opening of account specifying the person(s) authorized to operate the company account not
(not applicable for Single Member Company)
List(s) of Directors required to be filed under Companies Act 2017, as applicable.
NTN certificate of the Company not obtained
For individual (natural person) shareholders holding 20% or above stake (10% or above in case of EDD) in an entity, identific
verification of such natural persons not done; and
For legal persons holding shares equal to 20% or above in an entity, identification and verification of individual (natural person) sha
holding shares equal to 20% or above of that legal person not done
(i) Certified copies of following not obtained:
(a) Certificate of Registration/Instrument of Trust
(b) By-laws/Rules & Regulations
ii) Resolution of the Governing Body/Board of Trustees/Executive Committee, if it is ultimate governing body, for opening o
authorizing the person(s) to operate the account.
Photocopy of identity document CNIC/SNIC etc of the following not obtained/missing:
(a) authorized person(s)
(b) members of Governing Body/Board of Trustees /Executive Committee, if it is ultimate governing body
(c) settlor, the trustee(s), the protector (if any), the beneficiaries or class of beneficiaries
EDD not carried out; approval of Zonal Office not submitted/not on record
(i) Certified copies of following missing
(a) Registration documents/certificate
(b) By-laws/Rules & Regulations
(ii) Resolution of the Governing Body/ Board of Trustees/ Executive Committee, if it is ultimate governing body, for opening o
authorizing the person(s) to operate the account not obtained/on record.
(iii) Photocopy of identity document of the authorized person(s) and of the members of Governing Body/ Board of Trustees/
Committee, if it is ultimate governing body.
(iv) Annual accounts/ financial statements or disclosures in any form not obtained to ascertain the detail of its activities, sources and
funds in order to assess the risk profile of the prospective customer.
Approval of Senior Management on EDD not obtained
PEP account requirements, AOF, SS card, BioSys/VeriSys not completed on same day
EDD not carried out
Deficiencies not reported to PEP within 2 days of receipt of account opening request
Governments Accounts were opened without obtaining special resolution / authority from the concerned department and not duly
by the Ministry of Finance or Finance department of the concerned Provincial or Local Government.
Govt. Account opened in personal name of Govt. officials.
CNIC of authorized persons not obtained
Special resolution/authority from the concerned administrative department or highest executive committee/management committ
entity duly endorsed by their respective unit of finance.

Rules, regulations or procedures prescribed in the governing laws of such entities relating to opening and maintaining of their bank

Attested copy of CNIC of the Agent and Principal not obtained

Certified copy of ‘Power of Attorney’ or Agency Agreement not on record
Attested photocopy of identity cards of the Executor/Administrator
Certified copy of Letter of Administration or Probate
Scanned copy of __(Document name)____ is not legible
Scanning is not done as per sequence mentioned in SOPs
_(Document name)____ not scanned properly
AOF and documents not sent in one file