New Agenda Items- SME

New Agenda Items- SME

Responsibili Target
S. No Issue Action Steps Status
ty Date

01 Roll of compliance & trade along with TAT of

getting approvals from SBP where required needs
to be further elaborated improved. They need to
provide relevant rule along with check list of docs
required for the submission of customer request
for SBP approval. This will help in getting early
approvals in one go.
02 Transaction in the presence of overdue should be
done with the approval of concerned approval
authority rather than RMG in each case.

03 i) Marinating data bank for price verification for

all the trade related products that can be referred
as and when required to avoid any delays in trade
transactions including imports & exports.
ii) Delay in execution of Trade Transactions
particularly due to price due diligence.

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 New Agenda Items
Responsibilit Target
S. No Issue Action Steps Status
y Date

04 TBML checklist that needs to be

prepared in each case needs to be
system based and also linked to the
main customer profile / score card for
all future updation and references.

05 If all stakeholders agree we need to

launch Long pending Trade portal, for
transparency & expedite processing of
the trade transaction.

06 Senior officials from Trade Hub needs

to visit all the key customers on pan
Pakistan level on every quartet for
better understanding of their issues
and grievances.

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 New Agenda Items
Responsibilit Target
S. No Issue Action Steps Status
y Date

07 For increasing trade business, trade

targets needs to be assigned to the trade
team as well similar to the business units,
as being done sometime back in the
past. This will increase level of cooperation
and coordination for early resolution of
the petty routine issues and to come up
with solutions rather than simply
highlighting problems.
08 Trade team needs to keep themselves as
well as other related stake holders for any
updated SBP or internal trade circulars
from time to time and needs to be
uploaded on the trade portal as well for
ready reference for all.
09 Regular/ independent customer survey
needs to be done for trade service quality
on annual basis to take customers direct
feedback on their experience of doing
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trade with our bank and with peer banks.
 New Agenda Items
Responsibilit Target
S. No Issue Action Steps Status
y Date

07 Lien marking on TDRs take more than

7 days which causes delay in trade
transactions.

08 Tax deduction and TDR profit is not

reflected in Bank Statement. (Incase of
Rollovers)

09
Delay in timely receipt of debit advice
for import related transactions by TPC.

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 New Agenda Items
Responsibilit Target
S. No Issue Action Steps Status
y Date

10 System Generated Tax Certificate are not

correct.

11 Anomalies are seen in accounts especially

with Trade Related Transactions wherein FED
deducted by TPC appears as WHT amount in
certificate.   

12 Incorrect reporting of  Tax data with FBR

(Recent example A/c Matrix (Pvt.) Ltd.)

13 Historical data for STF, TF, FATR not available

in T-24. Manual working is done to calculate
data as of particular 1