Library Template2
Uploaded by
Mehfooz AliLibrary Template2
Uploaded by
Mehfooz AliThis template is used to upload process library for an audit type into database
in the sheets will insert in a hierarchy/levels
Level 1 Process Definition
Level 2 Risk Definition
Level 3 Control Definition / SP Definition
Level 4 Test of Control Definition / Sp Step Definition
Level 5 Step Definition
Note: The white cells are editable fields needs to enter required data, the green cells are lookup/read-only fields for d
Read-only Entry
udit type into database. The data present
Audit Type: Sharia Audit
Code: 928
s are lookup/read-only fields for displaying related information
ID Enter Process Name
P1 Account Maintenance, CAAML & CDD
P2 Cash Operations
P3 Cheque Handling & Clearing
P4 Remittances
P5 Safe Deposit Box
P6 Automated Teller Machine
P7 Handling of Customer Instructions
P8 Suspense Account
P9 Physical Access Control
P10 System Access Rights
P11 Organizational Structure, Procedures & Job
P12 Regulatory Requirement
P13 Staffing & back-up arrangements
P14 Management Information System
P15 Green Banking
P16 CPU Clearing
P17 Faysal Rapid Cash
P18 Government Securities
P19 Term Deposit Receipt
P20 Account Opening/Closing
P21 Creation and Amendment of Static Data
P22 Suspense and Sundry Account Monitoring
P23 Withholding Tax
P24 Control Environment Assessment
P25 Letter of Credit
P26 Import Bill drawn under LC
P27 Advance Payment For Import
P28 Open Account Payment
P29 Registration for Import contract
P30 Shipping Guarantee
P31 Bank Guarantee
P32 Export Bills (Negotiation)
P33 Export Collection
P34 Advance Payment Export
P35 Forward Contracts
P36 E-Form Issuance & Certification
P37 Monthly Balancing
P38 Research & Development
P39 Withholding Tax on Export & EDS
P40 General Record Keeping
P41 Trade Base Money Laundering
P42 Proliferation Financing
Enter Process Description
Account Maintenance, CAAML & CDD
Cash Operations
Cheque Handling & Clearing
Remittances
Safe Deposit Box
Automated Teller Machine
Handling of Customer Instructions
Suspense Account
Physical Access Control
System Access Rights
Organizational Structure, Procedures & Job Descriptions / SMART Objectives
Regulatory Requirement
Staffing & back-up arrangements
Management Information System
Green Banking
CPU Clearing
Faysal Rapid Cash
Government Securities
Term Deposit Receipt
Account Opening/Closing
Creation and Amendment of Static Data
Suspense and Sundry Account Monitoring
Withholding Tax
Control Environment Assessment
Letter of Credit
Import Bill drawn under LC
Advance Payment For Import
Open Account Payment
Registration for Import contract
Shipping Guarantee
Bank Guarantee
Export Bills (Negotiation)
Export Collection
Advance Payment Export
Forward Contracts
E-Form Issuance & Certification
Monthly Balancing
Research & Development
Withholding Tax on Export & EDS
General Record Keeping
Trade Base Money Laundering
Proliferation Financing
ART Objectives
ID Select Process Process Name
P1.R1 P1 Account Maintenance, CAAML & CDD
P1.R2 P1 Account Maintenance, CAAML & CDD
P2.R1 P2 Cash Operations
P2.R2 P2 Cash Operations
P3.R1 P3 Cheque Handling & Clearing
P3.R2 P3 Cheque Handling & Clearing
P3.R3 P3 Cheque Handling & Clearing
P4.R1 P4 Remittances
P4.R2 P4 Remittances
P4.R3 P4 Remittances
P5.R1 P5 Safe Deposit Box
P6.R1 P6 Automated Teller Machine
P6.R2 P6 Automated Teller Machine
P6.R3 P6 Automated Teller Machine
P7.R1 P7 Handling of Customer Instructions
P7.R2 P7 Handling of Customer Instructions
P8.R1 P8 Suspense Account
P8.R2 P8 Suspense Account
P9.R1 P9 Physical Access Control
P10.R1 P10 System Access Rights
P11.R1 P11 Organizational Structure, Procedures & Job Descriptions /
P12.R1 P12 Regulatory Requirement
P13.R1 P13 Staffing & back-up arrangements
P13.R2 P13 Staffing & back-up arrangements
P14.R1 P14 Management Information System
P14.R2 P14 Management Information System
P15.R1 P15 Green Banking
P16.R1 P16 CPU Clearing
P17.R1 P17 Faysal Rapid Cash
P18.R1 P18 Government Securities
P19.R1 P19 Term Deposit Receipt
P20.R1 P20 Account Opening/Closing
P21.R1 P21 Creation and Amendment of Static Data
P7.R3 P7 Handling of Customer Instructions
P3.R4 P3 Cheque Handling & Clearing
P22.R1 P22 Suspense and Sundry Account Monitoring
P4.R4 P4 Remittances
P23.R1 P23 Withholding Tax
P24.R1 P24 Control Environment Assessment
P25.R1 P25 Letter of Credit
P26.R1 P26 Import Bill drawn under LC
P27.R1 P27 Advance Payment For Import
P28.R1 P28 Open Account Payment
P29.R1 P29 Registration for Import contract
P30.R1 P30 Shipping Guarantee
P31.R1 P31 Bank Guarantee
P32.R1 P32 Export Bills (Negotiation)
P33.R1 P33 Export Collection
P34.R1 P34 Advance Payment Export
P35.R1 P35 Forward Contracts
P36.R1 P36 E-Form Issuance & Certification
P37.R1 P37 Monthly Balancing
P38.R1 P38 Research & Development
P39.R1 P39 Withholding Tax on Export & EDS
P40.R1 P40 General Record Keeping
P41.R1 P41 Trade Base Money Laundering
P42.R1 P42 Proliferation Financing
Enter Risk Name
Breach of banks’ policies or regulatory guidelines
Accounts are opened for fraudulent purpose
Theft, loss or misappropriation of valuable items or cash
Breach of banks’ policies or regulatory guidelines.
Theft, loss or misappropriation of valuable items or cash;
Customer instructions or complaints not processed or not processed in a timely manner;
Breach of banks’ policies or regulatory guidelines.
Inaccurate, incomplete or fraudulent transactions are processed
Customer instructions or complaints not processed or not processed in a timely manner;
Breach of banks’ policies or regulatory guidelines.
Theft, loss or misappropriation of valuable items.
Customer instructions or complaints not processed or not processed in a timely manner
Theft, loss or misappropriation of valuable items or cash;
Breach of banks’ policies or regulatory guidelines.
Customer instructions or complaints not processed or not processed in a timely manner
Inaccurate, incomplete or fraudulent transactions are processed
Un-settled entries for more than 30 days.
Fictitious entries could be booked in suspense/ sundry account.
Theft, loss or misappropriation of valuable items or cash.
Unauthorised parties may obtain access to IT systems, applications or confidential information;
The responsibilities and ownership of activities may be unclear, leading to situations where the execution of key controls and ta
Breach of banks’ policies or regulatory guidelines.
Inaccurate, incomplete or fraudulent transactions are processed;
Disruption of the business.
Incorrect decision making
Inadequate management monitoring.
Theft, loss or misappropriation of valuable items or an attempt for the same may not be timely identified/ detected & non-compli
Theft, loss or misappropriation of valuable items, .Inaccurate, incomplete or fraudulent transactions are processed, Breach of b
Customer instructions or complaints not processed or not processed in a timely manner/Inaccurate, incomplete or fraudulent tra
Customer instructions or complaints not processed or not processed in a timely manner/naccurate, incomplete or fraudulent tra
Customer instructions or complaints not processed or not processed in a timely manner/Inaccurate, incomplete or fraudulent tra
Accounts are opened for fraudulent purposes/Accounts are opened in breach of internal and regulatory requirements
Unauthorised or fraudulent amendments made to customers static data
Customer instructions or complaints not processed or not processed in timely manner, Inaccurate,incomplete or fraudulent tran
Theft, loss or misappropriation of valuable items, .Inaccurate, incomplete or fraudulent transactions are processed, Breach of b
Un-settled entries for more than 30 days attract penalty from SBP/Fictitious entries could be booked in suspense/sundry accoun
Inaccurate incomplete or fraudulent transactions are processed/Customer instructions or complaints not processed or not proce
Regulation / Reputation risk
The responsibilities and ownership of activities may be unclear, leading to situations where the execution of key controls and ta
Financial, customer and reputational risk due to improper screening. Accepting non-authentic or manipulated (fraudulent) instru
Improper follow-up for repayment may expose the bank to risk of default/ financial loss/ Incorrect classification may lead to regu
Processing incomplete, incorrect or untimely execution of instructions/ Breach of regulatory requirements and directives related
Financial, customer and reputational risk due to improper screening. Accepting non-authentic or manipulated (fraudulent) instru
Processing incomplete, incorrect or untimely execution of instructions/ Breach of regulatory requirements and directives related
Undesired/ inappropriate relationships established due to fraudulent, insufficient or inaccurate information/ Unacceptable credit
Undesired/ inappropriate relationships established due to fraudulent, insufficient or inaccurate information/ Unacceptable credit
Loan disbursement without complete documentation exposing the bank to potential financial loss and no recourse in the event
Loan disbursement without complete documentation exposing the bank to potential financial loss and no recourse in the event
Loan disbursement without complete documentation exposing the bank to potential financial loss and no recourse in the event
Processing of incomplete, incorrect or untimely execution of instructions
Breach of regulatory requirements and directives related to trade financing leading to financial censure.
Reporting risk (incorrect / incomplete postings in general ledger positions, Incorrect or incomplete reporting of financials)/ Incorr
Breach of regulatory requirements and directives related to trade financing leading to financial censure.
Breach of regulatory requirements and directives related to trade financing leading to financial censure
Critical documents like: AWB/BL, accepted drafts, LC application, counter guarantee etc are kept unlocked/ Access to unauthor
Breach of regulatory requirements and directives related to trade financing leading to financial censure
Breach of regulatory requirements and directives related to trade financing leading to financial censure.
execution of key controls and tasks are not carried out correctly
dentified/ detected & non-compliance of regulator’s directive may attract penal consequence.
ons are processed, Breach of banks’ policies or regulatory
ate, incomplete or fraudulent transactions are processed.
ate, incomplete or fraudulent transactions are processed/Breach of banks’ policies or regulatory guidelines.
ate, incomplete or fraudulent transactions are processed/Breach of banks’ policies or regulatory guidelines.
gulatory requirements
e,incomplete or fraudulent transactions are processed.
ons are processed, Breach of banks’ policies or regulatory
oked in suspense/sundry accounts
aints not processed or not processed in a timely manner/Breach of banks’ policies or regulatory guidelines.
execution of key controls and tasks are not carried out correctly or on time/ Inordinate delays in trade transaction processing/ monitoring due
manipulated (fraudulent) instructions/ Processing incomplete, incorrect or untimely execution of instructions/ Breach of regulatory requirem
t classification may lead to regulatory censure and incorrect provisioning/ Breach of regulatory requirements and directives related to trade
uirements and directives related to trade financing leading to financial censure/ Breach of UCP 600, URC (522) & FBL policy requirements le
manipulated (fraudulent) instructions/ Processing incomplete, incorrect or untimely execution of instructions/ Breach of regulatory requirem
uirements and directives related to trade financing leading to financial censure/ Breach of UCP 600, URC (522) & FBL policy requirements le
formation/ Unacceptable credit risk due to fraudulent, insufficient or inaccurate information, inadequate/ ineffective processes/ Financial, cu
formation/ Unacceptable credit risk due to fraudulent, insufficient or inaccurate information, inadequate/ ineffective processes/ Financial, cu
s and no recourse in the event of default/ Bill & Loan proceeds are credited to wrong beneficiary resulting in possible dispute with applican
s and no recourse in the event of default/ Bill & Loan proceeds are credited to wrong beneficiary resulting in possible dispute with applicant
s and no recourse in the event of default/ Proceeds are credited to wrong beneficiary resulting in possible dispute with applicant/ Processin
e reporting of financials)/ Incorrect and fraudulent transactions in suspense and sundry accounts remain un-detected for timely remedial me
pt unlocked/ Access to unauthorized person to critical documents/ Sensitive documents are not kept in fire proof cabinet under dual custody
ocessing/ monitoring due to staff absence.
h of regulatory requirements and directives related to trade financing leading to financial censure/ Breach of UCP 600, URC (522) & FBL po
rectives related to trade financing leading to financial censure/ Breach of UCP 600, URC (522) & FBL policy requirements leading to financ
BL policy requirements leading to financial loss.
h of regulatory requirements and directives related to trade financing leading to financial censure.
BL policy requirements leading to financial loss.
processes/ Financial, customer and reputational risk due to improper screening. Accepting non-authentic or manipulated (fraudulent) instruc
processes/ Financial, customer and reputational risk due to improper screening. Accepting non-authentic or manipulated (fraudulent) instruc
ble dispute with applicant/ Processing of inadequately authenticated and unauthorised payment instructions/Unauthorized and discrepant do
e dispute with applicant/ Processing of inadequately authenticated and unauthorised payment instructions/ Breach of regulatory requiremen
with applicant/ Processing of inadequately authenticated and unauthorised payment instructions/Breach of regulatory requirements and direc
ed for timely remedial measures/ Unauthorized access to critical value (trade) documents.
binet under dual custody
00, URC (522) & FBL policy requirements leading to financial loss
ements leading to financial loss.
lated (fraudulent) instructions/ Processing incomplete, incorrect or untimely execution of instructions.
lated (fraudulent) instructions/ Processing incomplete, incorrect or untimely execution of instructions.
orized and discrepant document acceptance/ Breach of UCP 600, URC (522) & FBL policy requirements leading to financial loss./Breach of
of regulatory requirements and directives related to trade financing leading to financial censure/ Breach of UCP 600, URC (522) & FBL poli
y requirements and directives related to trade financing leading to financial censure.
financial loss./Breach of regulatory requirements and directives related to trade financing leading to financial censure.
0, URC (522) & FBL policy requirements leading to financial loss.
ID Select Risk Process Name
P1.R1.C1 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C2 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C3 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C4 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C5 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C6 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C7 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C8 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C9 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C10 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C11 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C12 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C13 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C14 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C15 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C16 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C17 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C18 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C19 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C20 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C21 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C22 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C23 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C24 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C25 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C26 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C27 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C28 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C29 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C30 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C31 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C32 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C33 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C34 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C35 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C36 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C37 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C38 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C39 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C40 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C41 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C42 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C43 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C44 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C45 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C46 P1.R1 Account Maintenance, CAAML & CDD
P1.R1.C47 P1.R1 Account Maintenance, CAAML & CDD
P1.R2.C1 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C2 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C3 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C4 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C5 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C6 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C7 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C8 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C9 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C10 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C11 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C12 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C13 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C14 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C15 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C16 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C17 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C18 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C19 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C20 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C21 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C22 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C23 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C24 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C25 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C26 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C27 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C28 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C29 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C30 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C31 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C32 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C33 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C34 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C35 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C36 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C37 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C38 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C39 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C40 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C41 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C42 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C43 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C44 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C45 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C46 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C47 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C48 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C49 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C50 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C51 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C52 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C53 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C54 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C55 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C56 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C57 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C58 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C59 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C60 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C61 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C62 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C63 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C64 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C65 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C66 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C67 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C68 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C69 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C70 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C71 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C72 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C73 P1.R2 Account Maintenance, CAAML & CDD
P1.R2.C74 P1.R2 Account Maintenance, CAAML & CDD
P2.R1.C1 P2.R1 Cash Operations
P2.R1.C2 P2.R1 Cash Operations
P2.R1.C3 P2.R1 Cash Operations
P2.R1.C4 P2.R1 Cash Operations
P2.R1.C5 P2.R1 Cash Operations
P2.R1.C6 P2.R1 Cash Operations
P2.R1.C7 P2.R1 Cash Operations
P2.R1.C8 P2.R1 Cash Operations
P2.R1.C9 P2.R1 Cash Operations
P2.R1.C10 P2.R1 Cash Operations
P2.R1.C11 P2.R1 Cash Operations
P2.R1.C12 P2.R1 Cash Operations
P2.R1.C13 P2.R1 Cash Operations
P2.R1.C14 P2.R1 Cash Operations
P2.R1.C15 P2.R1 Cash Operations
P2.R1.C16 P2.R1 Cash Operations
P2.R1.C17 P2.R1 Cash Operations
P2.R1.C18 P2.R1 Cash Operations
P2.R1.C19 P2.R1 Cash Operations
P2.R1.C20 P2.R1 Cash Operations
P2.R1.C21 P2.R1 Cash Operations
P2.R1.C22 P2.R1 Cash Operations
P2.R1.C23 P2.R1 Cash Operations
P2.R1.C24 P2.R1 Cash Operations
P2.R1.C25 P2.R1 Cash Operations
P2.R1.C26 P2.R1 Cash Operations
P2.R1.C27 P2.R1 Cash Operations
P2.R1.C28 P2.R1 Cash Operations
P2.R1.C29 P2.R1 Cash Operations
P2.R1.C30 P2.R1 Cash Operations
P2.R1.C31 P2.R1 Cash Operations
P2.R1.C32 P2.R1 Cash Operations
P2.R1.C33 P2.R1 Cash Operations
P2.R1.C34 P2.R1 Cash Operations
P2.R1.C35 P2.R1 Cash Operations
P2.R1.C36 P2.R1 Cash Operations
P2.R1.C37 P2.R1 Cash Operations
P2.R1.C38 P2.R1 Cash Operations
P2.R1.C39 P2.R1 Cash Operations
P2.R1.C40 P2.R1 Cash Operations
P2.R1.C41 P2.R1 Cash Operations
P2.R1.C42 P2.R1 Cash Operations
P2.R1.C43 P2.R1 Cash Operations
P2.R1.C44 P2.R1 Cash Operations
P2.R1.C45 P2.R1 Cash Operations
P2.R1.C46 P2.R1 Cash Operations
P2.R2.C1 P2.R2 Cash Operations
P2.R2.C2 P2.R2 Cash Operations
P2.R2.C3 P2.R2 Cash Operations
P2.R2.C4 P2.R2 Cash Operations
P2.R2.C5 P2.R2 Cash Operations
P2.R2.C6 P2.R2 Cash Operations
P2.R2.C7 P2.R2 Cash Operations
P2.R2.C8 P2.R2 Cash Operations
P2.R2.C9 P2.R2 Cash Operations
P2.R2.C10 P2.R2 Cash Operations
P2.R2.C11 P2.R2 Cash Operations
P2.R2.C12 P2.R2 Cash Operations
P2.R2.C13 P2.R2 Cash Operations
P2.R2.C14 P2.R2 Cash Operations
P2.R2.C15 P2.R2 Cash Operations
P2.R2.C16 P2.R2 Cash Operations
P2.R2.C17 P2.R2 Cash Operations
P2.R2.C18 P2.R2 Cash Operations
P2.R2.C19 P2.R2 Cash Operations
P2.R2.C20 P2.R2 Cash Operations
P2.R2.C21 P2.R2 Cash Operations
P2.R2.C22 P2.R2 Cash Operations
P2.R2.C23 P2.R2 Cash Operations
P2.R2.C24 P2.R2 Cash Operations
P2.R2.C25 P2.R2 Cash Operations
P2.R2.C26 P2.R2 Cash Operations
P2.R2.C27 P2.R2 Cash Operations
P2.R2.C28 P2.R2 Cash Operations
P2.R2.C29 P2.R2 Cash Operations
P2.R2.C30 P2.R2 Cash Operations
P2.R2.C31 P2.R2 Cash Operations
P2.R2.C32 P2.R2 Cash Operations
P2.R2.C33 P2.R2 Cash Operations
P2.R2.C34 P2.R2 Cash Operations
P2.R2.C35 P2.R2 Cash Operations
P2.R2.C36 P2.R2 Cash Operations
P3.R1.C1 P3.R1 Cheque Handling & Clearing
P3.R1.C2 P3.R1 Cheque Handling & Clearing
P3.R1.C3 P3.R1 Cheque Handling & Clearing
P3.R1.C4 P3.R1 Cheque Handling & Clearing
P3.R1.C5 P3.R1 Cheque Handling & Clearing
P3.R1.C6 P3.R1 Cheque Handling & Clearing
P3.R1.C7 P3.R1 Cheque Handling & Clearing
P3.R1.C8 P3.R1 Cheque Handling & Clearing
P3.R1.C9 P3.R1 Cheque Handling & Clearing
P3.R1.C10 P3.R1 Cheque Handling & Clearing
P3.R1.C11 P3.R1 Cheque Handling & Clearing
P3.R1.C12 P3.R1 Cheque Handling & Clearing
P3.R1.C13 P3.R1 Cheque Handling & Clearing
P3.R1.C14 P3.R1 Cheque Handling & Clearing
P3.R1.C15 P3.R1 Cheque Handling & Clearing
P3.R1.C16 P3.R1 Cheque Handling & Clearing
P3.R1.C17 P3.R1 Cheque Handling & Clearing
P3.R1.C18 P3.R1 Cheque Handling & Clearing
P3.R1.C19 P3.R1 Cheque Handling & Clearing
P3.R1.C20 P3.R1 Cheque Handling & Clearing
P3.R1.C21 P3.R1 Cheque Handling & Clearing
P3.R1.C22 P3.R1 Cheque Handling & Clearing
P3.R1.C23 P3.R1 Cheque Handling & Clearing
P3.R1.C24 P3.R1 Cheque Handling & Clearing
P3.R1.C25 P3.R1 Cheque Handling & Clearing
P3.R1.C26 P3.R1 Cheque Handling & Clearing
P3.R1.C27 P3.R1 Cheque Handling & Clearing
P3.R1.C28 P3.R1 Cheque Handling & Clearing
P3.R1.C29 P3.R1 Cheque Handling & Clearing
P3.R1.C30 P3.R1 Cheque Handling & Clearing
P3.R1.C31 P3.R1 Cheque Handling & Clearing
P3.R1.C32 P3.R1 Cheque Handling & Clearing
P3.R1.C33 P3.R1 Cheque Handling & Clearing
P3.R1.C34 P3.R1 Cheque Handling & Clearing
P3.R1.C35 P3.R1 Cheque Handling & Clearing
P3.R1.C36 P3.R1 Cheque Handling & Clearing
P3.R1.C37 P3.R1 Cheque Handling & Clearing
P3.R1.C38 P3.R1 Cheque Handling & Clearing
P3.R1.C39 P3.R1 Cheque Handling & Clearing
P3.R1.C40 P3.R1 Cheque Handling & Clearing
P3.R1.C41 P3.R1 Cheque Handling & Clearing
P3.R1.C42 P3.R1 Cheque Handling & Clearing
P3.R1.C43 P3.R1 Cheque Handling & Clearing
P3.R1.C44 P3.R1 Cheque Handling & Clearing
P3.R1.C45 P3.R1 Cheque Handling & Clearing
P3.R1.C46 P3.R1 Cheque Handling & Clearing
P3.R1.C47 P3.R1 Cheque Handling & Clearing
P3.R1.C48 P3.R1 Cheque Handling & Clearing
P3.R1.C49 P3.R1 Cheque Handling & Clearing
P3.R2.C1 P3.R2 Cheque Handling & Clearing
P3.R2.C2 P3.R2 Cheque Handling & Clearing
P3.R2.C3 P3.R2 Cheque Handling & Clearing
P3.R2.C4 P3.R2 Cheque Handling & Clearing
P3.R2.C5 P3.R2 Cheque Handling & Clearing
P3.R2.C6 P3.R2 Cheque Handling & Clearing
P3.R2.C7 P3.R2 Cheque Handling & Clearing
P3.R2.C8 P3.R2 Cheque Handling & Clearing
P3.R2.C9 P3.R2 Cheque Handling & Clearing
P3.R2.C10 P3.R2 Cheque Handling & Clearing
P3.R2.C11 P3.R2 Cheque Handling & Clearing
P3.R2.C12 P3.R2 Cheque Handling & Clearing
P3.R2.C13 P3.R2 Cheque Handling & Clearing
P3.R2.C14 P3.R2 Cheque Handling & Clearing
P3.R2.C15 P3.R2 Cheque Handling & Clearing
P3.R2.C16 P3.R2 Cheque Handling & Clearing
P3.R2.C17 P3.R2 Cheque Handling & Clearing
P3.R2.C18 P3.R2 Cheque Handling & Clearing
P3.R2.C19 P3.R2 Cheque Handling & Clearing
P3.R2.C20 P3.R2 Cheque Handling & Clearing
P3.R2.C21 P3.R2 Cheque Handling & Clearing
P3.R2.C22 P3.R2 Cheque Handling & Clearing
P3.R2.C23 P3.R2 Cheque Handling & Clearing
P3.R2.C24 P3.R2 Cheque Handling & Clearing
P3.R2.C25 P3.R2 Cheque Handling & Clearing
P3.R2.C26 P3.R2 Cheque Handling & Clearing
P3.R2.C27 P3.R2 Cheque Handling & Clearing
P3.R2.C28 P3.R2 Cheque Handling & Clearing
P3.R2.C29 P3.R2 Cheque Handling & Clearing
P3.R2.C30 P3.R2 Cheque Handling & Clearing
P3.R2.C31 P3.R2 Cheque Handling & Clearing
P3.R2.C32 P3.R2 Cheque Handling & Clearing
P3.R2.C33 P3.R2 Cheque Handling & Clearing
P3.R2.C34 P3.R2 Cheque Handling & Clearing
P3.R2.C35 P3.R2 Cheque Handling & Clearing
P3.R3.C1 P3.R3 Cheque Handling & Clearing
P3.R3.C2 P3.R3 Cheque Handling & Clearing
P3.R3.C3 P3.R3 Cheque Handling & Clearing
P3.R3.C4 P3.R3 Cheque Handling & Clearing
P3.R3.C5 P3.R3 Cheque Handling & Clearing
P3.R3.C6 P3.R3 Cheque Handling & Clearing
P3.R3.C7 P3.R3 Cheque Handling & Clearing
P3.R3.C8 P3.R3 Cheque Handling & Clearing
P3.R3.C9 P3.R3 Cheque Handling & Clearing
P3.R3.C10 P3.R3 Cheque Handling & Clearing
P3.R3.C11 P3.R3 Cheque Handling & Clearing
P4.R1.C1 P4.R1 Remittances
P4.R1.C2 P4.R1 Remittances
P4.R1.C3 P4.R1 Remittances
P4.R1.C4 P4.R1 Remittances
P4.R1.C5 P4.R1 Remittances
P4.R1.C6 P4.R1 Remittances
P4.R1.C7 P4.R1 Remittances
P4.R1.C8 P4.R1 Remittances
P4.R1.C9 P4.R1 Remittances
P4.R1.C10 P4.R1 Remittances
P4.R1.C11 P4.R1 Remittances
P4.R1.C12 P4.R1 Remittances
P4.R1.C13 P4.R1 Remittances
P4.R1.C14 P4.R1 Remittances
P4.R1.C15 P4.R1 Remittances
P4.R1.C16 P4.R1 Remittances
P4.R1.C17 P4.R1 Remittances
P4.R1.C18 P4.R1 Remittances
P4.R1.C19 P4.R1 Remittances
P4.R1.C20 P4.R1 Remittances
P4.R1.C21 P4.R1 Remittances
P4.R1.C22 P4.R1 Remittances
P4.R1.C23 P4.R1 Remittances
P4.R2.C1 P4.R2 Remittances
P4.R2.C2 P4.R2 Remittances
P4.R2.C3 P4.R2 Remittances
P4.R2.C4 P4.R2 Remittances
P4.R2.C5 P4.R2 Remittances
P4.R2.C6 P4.R2 Remittances
P4.R2.C7 P4.R2 Remittances
P4.R2.C8 P4.R2 Remittances
P4.R2.C9 P4.R2 Remittances
P4.R2.C10 P4.R2 Remittances
P4.R2.C11 P4.R2 Remittances
P4.R2.C12 P4.R2 Remittances
P4.R2.C13 P4.R2 Remittances
P4.R2.C14 P4.R2 Remittances
P4.R2.C15 P4.R2 Remittances
P4.R2.C16 P4.R2 Remittances
P4.R2.C17 P4.R2 Remittances
P4.R2.C18 P4.R2 Remittances
P4.R2.C19 P4.R2 Remittances
P4.R2.C20 P4.R2 Remittances
P4.R2.C21 P4.R2 Remittances
P4.R2.C22 P4.R2 Remittances
P4.R2.C23 P4.R2 Remittances
P4.R3.C1 P4.R3 Remittances
P4.R3.C2 P4.R3 Remittances
P4.R3.C3 P4.R3 Remittances
P5.R1.C1 P5.R1 Safe Deposit Box
P5.R1.C2 P5.R1 Safe Deposit Box
P5.R1.C3 P5.R1 Safe Deposit Box
P5.R1.C4 P5.R1 Safe Deposit Box
P5.R1.C5 P5.R1 Safe Deposit Box
P5.R1.C6 P5.R1 Safe Deposit Box
P5.R1.C7 P5.R1 Safe Deposit Box
P5.R1.C8 P5.R1 Safe Deposit Box
P5.R1.C9 P5.R1 Safe Deposit Box
P5.R1.C10 P5.R1 Safe Deposit Box
P5.R1.C11 P5.R1 Safe Deposit Box
P5.R1.C12 P5.R1 Safe Deposit Box
P5.R1.C13 P5.R1 Safe Deposit Box
P5.R1.C14 P5.R1 Safe Deposit Box
P5.R1.C15 P5.R1 Safe Deposit Box
P5.R1.C16 P5.R1 Safe Deposit Box
P5.R1.C17 P5.R1 Safe Deposit Box
P5.R1.C18 P5.R1 Safe Deposit Box
P5.R1.C19 P5.R1 Safe Deposit Box
P5.R1.C20 P5.R1 Safe Deposit Box
P5.R1.C21 P5.R1 Safe Deposit Box
P5.R1.C22 P5.R1 Safe Deposit Box
P5.R1.C23 P5.R1 Safe Deposit Box
P5.R1.C24 P5.R1 Safe Deposit Box
P5.R1.C25 P5.R1 Safe Deposit Box
P5.R1.C26 P5.R1 Safe Deposit Box
P5.R1.C27 P5.R1 Safe Deposit Box
P5.R1.C28 P5.R1 Safe Deposit Box
P5.R1.C29 P5.R1 Safe Deposit Box
P5.R1.C30 P5.R1 Safe Deposit Box
P5.R1.C31 P5.R1 Safe Deposit Box
P5.R1.C32 P5.R1 Safe Deposit Box
P5.R1.C33 P5.R1 Safe Deposit Box
P5.R1.C34 P5.R1 Safe Deposit Box
P5.R1.C35 P5.R1 Safe Deposit Box
P5.R1.C36 P5.R1 Safe Deposit Box
P5.R1.C37 P5.R1 Safe Deposit Box
P5.R1.C38 P5.R1 Safe Deposit Box
P5.R1.C39 P5.R1 Safe Deposit Box
P5.R1.C40 P5.R1 Safe Deposit Box
P5.R1.C41 P5.R1 Safe Deposit Box
P5.R1.C42 P5.R1 Safe Deposit Box
P5.R1.C43 P5.R1 Safe Deposit Box
P5.R1.C44 P5.R1 Safe Deposit Box
P5.R1.C45 P5.R1 Safe Deposit Box
P5.R1.C46 P5.R1 Safe Deposit Box
P5.R1.C47 P5.R1 Safe Deposit Box
P5.R1.C48 P5.R1 Safe Deposit Box
P5.R1.C49 P5.R1 Safe Deposit Box
P5.R1.C50 P5.R1 Safe Deposit Box
P5.R1.C51 P5.R1 Safe Deposit Box
P5.R1.C52 P5.R1 Safe Deposit Box
P5.R1.C53 P5.R1 Safe Deposit Box
P5.R1.C54 P5.R1 Safe Deposit Box
P5.R1.C55 P5.R1 Safe Deposit Box
P5.R1.C56 P5.R1 Safe Deposit Box
P5.R1.C57 P5.R1 Safe Deposit Box
P5.R1.C58 P5.R1 Safe Deposit Box
P5.R1.C59 P5.R1 Safe Deposit Box
P5.R1.C60 P5.R1 Safe Deposit Box
P5.R1.C61 P5.R1 Safe Deposit Box
P5.R1.C62 P5.R1 Safe Deposit Box
P5.R1.C63 P5.R1 Safe Deposit Box
P5.R1.C64 P5.R1 Safe Deposit Box
P5.R1.C65 P5.R1 Safe Deposit Box
P5.R1.C66 P5.R1 Safe Deposit Box
P5.R1.C67 P5.R1 Safe Deposit Box
P5.R1.C68 P5.R1 Safe Deposit Box
P5.R1.C69 P5.R1 Safe Deposit Box
P5.R1.C70 P5.R1 Safe Deposit Box
P5.R1.C71 P5.R1 Safe Deposit Box
P6.R1.C1 P6.R1 Automated Teller Machine
P6.R1.C2 P6.R1 Automated Teller Machine
P6.R1.C3 P6.R1 Automated Teller Machine
P6.R1.C4 P6.R1 Automated Teller Machine
P6.R1.C5 P6.R1 Automated Teller Machine
P6.R1.C6 P6.R1 Automated Teller Machine
P6.R1.C7 P6.R1 Automated Teller Machine
P6.R1.C8 P6.R1 Automated Teller Machine
P6.R1.C9 P6.R1 Automated Teller Machine
P6.R1.C10 P6.R1 Automated Teller Machine
P6.R1.C11 P6.R1 Automated Teller Machine
P6.R1.C12 P6.R1 Automated Teller Machine
P6.R1.C13 P6.R1 Automated Teller Machine
P6.R1.C14 P6.R1 Automated Teller Machine
P6.R1.C15 P6.R1 Automated Teller Machine
P6.R1.C16 P6.R1 Automated Teller Machine
P6.R1.C17 P6.R1 Automated Teller Machine
P6.R1.C18 P6.R1 Automated Teller Machine
P6.R1.C19 P6.R1 Automated Teller Machine
P6.R1.C20 P6.R1 Automated Teller Machine
P6.R2.C1 P6.R2 Automated Teller Machine
P6.R2.C2 P6.R2 Automated Teller Machine
P6.R2.C3 P6.R2 Automated Teller Machine
P6.R2.C4 P6.R2 Automated Teller Machine
P6.R2.C5 P6.R2 Automated Teller Machine
P6.R2.C6 P6.R2 Automated Teller Machine
P6.R2.C7 P6.R2 Automated Teller Machine
P6.R2.C8 P6.R2 Automated Teller Machine
P6.R2.C9 P6.R2 Automated Teller Machine
P6.R2.C10 P6.R2 Automated Teller Machine
P6.R2.C11 P6.R2 Automated Teller Machine
P6.R2.C12 P6.R2 Automated Teller Machine
P6.R2.C13 P6.R2 Automated Teller Machine
P6.R2.C14 P6.R2 Automated Teller Machine
P6.R2.C15 P6.R2 Automated Teller Machine
P6.R2.C16 P6.R2 Automated Teller Machine
P6.R3.C1 P6.R3 Automated Teller Machine
P6.R3.C2 P6.R3 Automated Teller Machine
P6.R3.C3 P6.R3 Automated Teller Machine
P6.R3.C4 P6.R3 Automated Teller Machine
P6.R3.C5 P6.R3 Automated Teller Machine
P6.R3.C6 P6.R3 Automated Teller Machine
P6.R3.C7 P6.R3 Automated Teller Machine
P6.R3.C8 P6.R3 Automated Teller Machine
P6.R3.C9 P6.R3 Automated Teller Machine
P6.R3.C10 P6.R3 Automated Teller Machine
P6.R3.C11 P6.R3 Automated Teller Machine
P6.R3.C12 P6.R3 Automated Teller Machine
P6.R3.C13 P6.R3 Automated Teller Machine
P6.R3.C14 P6.R3 Automated Teller Machine
P6.R3.C15 P6.R3 Automated Teller Machine
P6.R3.C16 P6.R3 Automated Teller Machine
P6.R3.C17 P6.R3 Automated Teller Machine
P6.R3.C18 P6.R3 Automated Teller Machine
P7.R1.C1 P7.R1 Handling of Customer Instructions
P7.R1.C2 P7.R1 Handling of Customer Instructions
P7.R1.C3 P7.R1 Handling of Customer Instructions
P7.R1.C4 P7.R1 Handling of Customer Instructions
P7.R1.C5 P7.R1 Handling of Customer Instructions
P7.R1.C6 P7.R1 Handling of Customer Instructions
P7.R1.C7 P7.R1 Handling of Customer Instructions
P7.R1.C8 P7.R1 Handling of Customer Instructions
P7.R1.C9 P7.R1 Handling of Customer Instructions
P7.R1.C10 P7.R1 Handling of Customer Instructions
P7.R1.C11 P7.R1 Handling of Customer Instructions
P7.R1.C12 P7.R1 Handling of Customer Instructions
P7.R1.C13 P7.R1 Handling of Customer Instructions
P7.R1.C14 P7.R1 Handling of Customer Instructions
P7.R1.C15 P7.R1 Handling of Customer Instructions
P7.R1.C16 P7.R1 Handling of Customer Instructions
P7.R1.C17 P7.R1 Handling of Customer Instructions
P7.R1.C18 P7.R1 Handling of Customer Instructions
P7.R1.C19 P7.R1 Handling of Customer Instructions
P7.R1.C20 P7.R1 Handling of Customer Instructions
P7.R1.C21 P7.R1 Handling of Customer Instructions
P7.R1.C22 P7.R1 Handling of Customer Instructions
P7.R1.C23 P7.R1 Handling of Customer Instructions
P7.R1.C24 P7.R1 Handling of Customer Instructions
P7.R1.C25 P7.R1 Handling of Customer Instructions
P7.R1.C26 P7.R1 Handling of Customer Instructions
P7.R1.C27 P7.R1 Handling of Customer Instructions
P7.R1.C28 P7.R1 Handling of Customer Instructions
P7.R1.C29 P7.R1 Handling of Customer Instructions
P7.R1.C30 P7.R1 Handling of Customer Instructions
P7.R1.C31 P7.R1 Handling of Customer Instructions
P7.R1.C32 P7.R1 Handling of Customer Instructions
P7.R1.C33 P7.R1 Handling of Customer Instructions
P7.R1.C34 P7.R1 Handling of Customer Instructions
P7.R1.C35 P7.R1 Handling of Customer Instructions
P7.R1.C36 P7.R1 Handling of Customer Instructions
P7.R1.C37 P7.R1 Handling of Customer Instructions
P7.R1.C38 P7.R1 Handling of Customer Instructions
P7.R1.C39 P7.R1 Handling of Customer Instructions
P7.R1.C40 P7.R1 Handling of Customer Instructions
P7.R1.C41 P7.R1 Handling of Customer Instructions
P7.R1.C42 P7.R1 Handling of Customer Instructions
P7.R1.C43 P7.R1 Handling of Customer Instructions
P7.R1.C44 P7.R1 Handling of Customer Instructions
P7.R1.C45 P7.R1 Handling of Customer Instructions
P7.R1.C46 P7.R1 Handling of Customer Instructions
P7.R1.C47 P7.R1 Handling of Customer Instructions
P7.R1.C48 P7.R1 Handling of Customer Instructions
P7.R1.C49 P7.R1 Handling of Customer Instructions
P7.R1.C50 P7.R1 Handling of Customer Instructions
P7.R1.C51 P7.R1 Handling of Customer Instructions
P7.R1.C52 P7.R1 Handling of Customer Instructions
P7.R1.C53 P7.R1 Handling of Customer Instructions
P7.R1.C54 P7.R1 Handling of Customer Instructions
P7.R1.C55 P7.R1 Handling of Customer Instructions
P7.R1.C56 P7.R1 Handling of Customer Instructions
P7.R1.C57 P7.R1 Handling of Customer Instructions
P7.R1.C58 P7.R1 Handling of Customer Instructions
P7.R1.C59 P7.R1 Handling of Customer Instructions
P7.R1.C60 P7.R1 Handling of Customer Instructions
P7.R1.C61 P7.R1 Handling of Customer Instructions
P7.R1.C62 P7.R1 Handling of Customer Instructions
P7.R1.C63 P7.R1 Handling of Customer Instructions
P7.R1.C64 P7.R1 Handling of Customer Instructions
P7.R1.C65 P7.R1 Handling of Customer Instructions
P7.R1.C66 P7.R1 Handling of Customer Instructions
P7.R1.C67 P7.R1 Handling of Customer Instructions
P7.R1.C68 P7.R1 Handling of Customer Instructions
P7.R1.C69 P7.R1 Handling of Customer Instructions
P7.R1.C70 P7.R1 Handling of Customer Instructions
P7.R1.C71 P7.R1 Handling of Customer Instructions
P7.R1.C72 P7.R1 Handling of Customer Instructions
P7.R1.C73 P7.R1 Handling of Customer Instructions
P7.R1.C74 P7.R1 Handling of Customer Instructions
P7.R1.C75 P7.R1 Handling of Customer Instructions
P7.R1.C76 P7.R1 Handling of Customer Instructions
P7.R1.C77 P7.R1 Handling of Customer Instructions
P7.R1.C78 P7.R1 Handling of Customer Instructions
P7.R1.C79 P7.R1 Handling of Customer Instructions
P7.R1.C80 P7.R1 Handling of Customer Instructions
P7.R1.C81 P7.R1 Handling of Customer Instructions
P7.R1.C82 P7.R1 Handling of Customer Instructions
P7.R1.C83 P7.R1 Handling of Customer Instructions
P7.R1.C84 P7.R1 Handling of Customer Instructions
P7.R1.C85 P7.R1 Handling of Customer Instructions
P7.R1.C86 P7.R1 Handling of Customer Instructions
P7.R1.C87 P7.R1 Handling of Customer Instructions
P7.R1.C88 P7.R1 Handling of Customer Instructions
P7.R1.C89 P7.R1 Handling of Customer Instructions
P7.R1.C90 P7.R1 Handling of Customer Instructions
P7.R1.C91 P7.R1 Handling of Customer Instructions
P7.R1.C92 P7.R1 Handling of Customer Instructions
P7.R1.C93 P7.R1 Handling of Customer Instructions
P7.R2.C1 P7.R2 Handling of Customer Instructions
P7.R2.C2 P7.R2 Handling of Customer Instructions
P7.R2.C3 P7.R2 Handling of Customer Instructions
P7.R2.C4 P7.R2 Handling of Customer Instructions
P7.R2.C5 P7.R2 Handling of Customer Instructions
P7.R2.C6 P7.R2 Handling of Customer Instructions
P7.R2.C7 P7.R2 Handling of Customer Instructions
P7.R2.C8 P7.R2 Handling of Customer Instructions
P7.R2.C9 P7.R2 Handling of Customer Instructions
P7.R2.C10 P7.R2 Handling of Customer Instructions
P8.R1.C1 P8.R1 Suspense Account
P8.R1.C2 P8.R1 Suspense Account
P8.R1.C3 P8.R1 Suspense Account
P8.R1.C4 P8.R1 Suspense Account
P8.R1.C5 P8.R1 Suspense Account
P8.R1.C6 P8.R1 Suspense Account
P8.R1.C7 P8.R1 Suspense Account
P8.R1.C8 P8.R1 Suspense Account
P8.R2.C1 P8.R2 Suspense Account
P8.R2.C2 P8.R2 Suspense Account
P8.R2.C3 P8.R2 Suspense Account
P8.R2.C4 P8.R2 Suspense Account
P8.R2.C5 P8.R2 Suspense Account
P8.R2.C6 P8.R2 Suspense Account
P9.R1.C1 P9.R1 Physical Access Control
P9.R1.C2 P9.R1 Physical Access Control
P9.R1.C3 P9.R1 Physical Access Control
P9.R1.C4 P9.R1 Physical Access Control
P9.R1.C5 P9.R1 Physical Access Control
P9.R1.C6 P9.R1 Physical Access Control
P9.R1.C7 P9.R1 Physical Access Control
P9.R1.C8 P9.R1 Physical Access Control
P9.R1.C9 P9.R1 Physical Access Control
P9.R1.C10 P9.R1 Physical Access Control
P9.R1.C11 P9.R1 Physical Access Control
P9.R1.C12 P9.R1 Physical Access Control
P9.R1.C13 P9.R1 Physical Access Control
P9.R1.C14 P9.R1 Physical Access Control
P9.R1.C15 P9.R1 Physical Access Control
P9.R1.C16 P9.R1 Physical Access Control
P9.R1.C17 P9.R1 Physical Access Control
P9.R1.C18 P9.R1 Physical Access Control
P9.R1.C19 P9.R1 Physical Access Control
P9.R1.C20 P9.R1 Physical Access Control
P9.R1.C21 P9.R1 Physical Access Control
P9.R1.C22 P9.R1 Physical Access Control
P9.R1.C23 P9.R1 Physical Access Control
P9.R1.C24 P9.R1 Physical Access Control
P9.R1.C25 P9.R1 Physical Access Control
P9.R1.C26 P9.R1 Physical Access Control
P9.R1.C27 P9.R1 Physical Access Control
P9.R1.C28 P9.R1 Physical Access Control
P9.R1.C29 P9.R1 Physical Access Control
P9.R1.C30 P9.R1 Physical Access Control
P9.R1.C31 P9.R1 Physical Access Control
P9.R1.C32 P9.R1 Physical Access Control
P9.R1.C33 P9.R1 Physical Access Control
P9.R1.C34 P9.R1 Physical Access Control
P9.R1.C35 P9.R1 Physical Access Control
P9.R1.C36 P9.R1 Physical Access Control
P9.R1.C37 P9.R1 Physical Access Control
P9.R1.C38 P9.R1 Physical Access Control
P9.R1.C39 P9.R1 Physical Access Control
P9.R1.C40 P9.R1 Physical Access Control
P9.R1.C41 P9.R1 Physical Access Control
P9.R1.C42 P9.R1 Physical Access Control
P9.R1.C43 P9.R1 Physical Access Control
P9.R1.C44 P9.R1 Physical Access Control
P9.R1.C45 P9.R1 Physical Access Control
P9.R1.C46 P9.R1 Physical Access Control
P9.R1.C47 P9.R1 Physical Access Control
P9.R1.C48 P9.R1 Physical Access Control
P10.R1.C1 P10.R1 System Access Rights
P10.R1.C2 P10.R1 System Access Rights
P10.R1.C3 P10.R1 System Access Rights
P10.R1.C4 P10.R1 System Access Rights
P10.R1.C5 P10.R1 System Access Rights
P10.R1.C6 P10.R1 System Access Rights
P10.R1.C7 P10.R1 System Access Rights
P10.R1.C8 P10.R1 System Access Rights
P10.R1.C9 P10.R1 System Access Rights
P10.R1.C10 P10.R1 System Access Rights
P10.R1.C11 P10.R1 System Access Rights
P10.R1.C12 P10.R1 System Access Rights
P10.R1.C13 P10.R1 System Access Rights
P10.R1.C14 P10.R1 System Access Rights
P10.R1.C15 P10.R1 System Access Rights
P10.R1.C16 P10.R1 System Access Rights
P10.R1.C17 P10.R1 System Access Rights
P10.R1.C18 P10.R1 System Access Rights
P10.R1.C19 P10.R1 System Access Rights
P10.R1.C20 P10.R1 System Access Rights
P10.R1.C21 P10.R1 System Access Rights
P11.R1.C1 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C2 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C3 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C4 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C5 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C6 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C7 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C8 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C9 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C10 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C11 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C12 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C13 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C14 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C15 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C16 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C17 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C18 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C19 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C20 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C21 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C22 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C23 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C24 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C25 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C26 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C27 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C28 P11.R1 Organizational Structure, Procedures & Job Descript
P12.R1.C1 P12.R1 Regulatory Requirement
P12.R1.C2 P12.R1 Regulatory Requirement
P12.R1.C3 P12.R1 Regulatory Requirement
P12.R1.C4 P12.R1 Regulatory Requirement
P12.R1.C5 P12.R1 Regulatory Requirement
P12.R1.C6 P12.R1 Regulatory Requirement
P12.R1.C7 P12.R1 Regulatory Requirement
P12.R1.C8 P12.R1 Regulatory Requirement
P12.R1.C9 P12.R1 Regulatory Requirement
P12.R1.C10 P12.R1 Regulatory Requirement
P12.R1.C11 P12.R1 Regulatory Requirement
P12.R1.C12 P12.R1 Regulatory Requirement
P12.R1.C13 P12.R1 Regulatory Requirement
P12.R1.C14 P12.R1 Regulatory Requirement
P12.R1.C15 P12.R1 Regulatory Requirement
P12.R1.C16 P12.R1 Regulatory Requirement
P12.R1.C17 P12.R1 Regulatory Requirement
P12.R1.C18 P12.R1 Regulatory Requirement
P12.R1.C19 P12.R1 Regulatory Requirement
P12.R1.C20 P12.R1 Regulatory Requirement
P12.R1.C21 P12.R1 Regulatory Requirement
P12.R1.C22 P12.R1 Regulatory Requirement
P12.R1.C23 P12.R1 Regulatory Requirement
P12.R1.C24 P12.R1 Regulatory Requirement
P12.R1.C25 P12.R1 Regulatory Requirement
P12.R1.C26 P12.R1 Regulatory Requirement
P12.R1.C27 P12.R1 Regulatory Requirement
P12.R1.C28 P12.R1 Regulatory Requirement
P12.R1.C29 P12.R1 Regulatory Requirement
P12.R1.C30 P12.R1 Regulatory Requirement
P12.R1.C31 P12.R1 Regulatory Requirement
P12.R1.C32 P12.R1 Regulatory Requirement
P12.R1.C33 P12.R1 Regulatory Requirement
P12.R1.C34 P12.R1 Regulatory Requirement
P12.R1.C35 P12.R1 Regulatory Requirement
P12.R1.C36 P12.R1 Regulatory Requirement
P12.R1.C37 P12.R1 Regulatory Requirement
P12.R1.C38 P12.R1 Regulatory Requirement
P12.R1.C39 P12.R1 Regulatory Requirement
P12.R1.C40 P12.R1 Regulatory Requirement
P12.R1.C41 P12.R1 Regulatory Requirement
P12.R1.C42 P12.R1 Regulatory Requirement
P12.R1.C43 P12.R1 Regulatory Requirement
P13.R1.C1 P13.R1 Staffing & back-up arrangements
P13.R1.C2 P13.R1 Staffing & back-up arrangements
P13.R1.C3 P13.R1 Staffing & back-up arrangements
P13.R2.C1 P13.R2 Staffing & back-up arrangements
P13.R2.C2 P13.R2 Staffing & back-up arrangements
P13.R2.C3 P13.R2 Staffing & back-up arrangements
P14.R1.C1 P14.R1 Management Information System
P14.R2.C1 P14.R2 Management Information System
P14.R2.C2 P14.R2 Management Information System
P15.R1.C1 P15.R1 Green Banking
P15.R1.C2 P15.R1 Green Banking
P15.R1.C3 P15.R1 Green Banking
P15.R1.C4 P15.R1 Green Banking
P15.R1.C5 P15.R1 Green Banking
P15.R1.C6 P15.R1 Green Banking
P15.R1.C7 P15.R1 Green Banking
P15.R1.C8 P15.R1 Green Banking
P15.R1.C9 P15.R1 Green Banking
P15.R1.C10 P15.R1 Green Banking
P15.R1.C11 P15.R1 Green Banking
P15.R1.C12 P15.R1 Green Banking
P15.R1.C13 P15.R1 Green Banking
P15.R1.C14 P15.R1 Green Banking
P16.R1.C1 P16.R1 CPU Clearing
P16.R1.C2 P16.R1 CPU Clearing
P16.R1.C3 P16.R1 CPU Clearing
P16.R1.C4 P16.R1 CPU Clearing
P16.R1.C5 P16.R1 CPU Clearing
P16.R1.C6 P16.R1 CPU Clearing
P16.R1.C7 P16.R1 CPU Clearing
P16.R1.C8 P16.R1 CPU Clearing
P16.R1.C9 P16.R1 CPU Clearing
P16.R1.C10 P16.R1 CPU Clearing
P16.R1.C11 P16.R1 CPU Clearing
P16.R1.C12 P16.R1 CPU Clearing
P16.R1.C13 P16.R1 CPU Clearing
P16.R1.C14 P16.R1 CPU Clearing
P16.R1.C15 P16.R1 CPU Clearing
P16.R1.C16 P16.R1 CPU Clearing
P16.R1.C17 P16.R1 CPU Clearing
P16.R1.C18 P16.R1 CPU Clearing
P16.R1.C19 P16.R1 CPU Clearing
P16.R1.C20 P16.R1 CPU Clearing
P16.R1.C21 P16.R1 CPU Clearing
P16.R1.C22 P16.R1 CPU Clearing
P16.R1.C23 P16.R1 CPU Clearing
P16.R1.C24 P16.R1 CPU Clearing
P16.R1.C25 P16.R1 CPU Clearing
P16.R1.C26 P16.R1 CPU Clearing
P16.R1.C27 P16.R1 CPU Clearing
P16.R1.C28 P16.R1 CPU Clearing
P16.R1.C29 P16.R1 CPU Clearing
P16.R1.C30 P16.R1 CPU Clearing
P16.R1.C31 P16.R1 CPU Clearing
P16.R1.C32 P16.R1 CPU Clearing
P16.R1.C33 P16.R1 CPU Clearing
P16.R1.C34 P16.R1 CPU Clearing
P16.R1.C35 P16.R1 CPU Clearing
P16.R1.C36 P16.R1 CPU Clearing
P16.R1.C37 P16.R1 CPU Clearing
P16.R1.C38 P16.R1 CPU Clearing
P16.R1.C39 P16.R1 CPU Clearing
P16.R1.C40 P16.R1 CPU Clearing
P16.R1.C41 P16.R1 CPU Clearing
P16.R1.C42 P16.R1 CPU Clearing
P16.R1.C43 P16.R1 CPU Clearing
P16.R1.C44 P16.R1 CPU Clearing
P16.R1.C45 P16.R1 CPU Clearing
P16.R1.C46 P16.R1 CPU Clearing
P16.R1.C47 P16.R1 CPU Clearing
P16.R1.C48 P16.R1 CPU Clearing
P16.R1.C49 P16.R1 CPU Clearing
P16.R1.C50 P16.R1 CPU Clearing
P16.R1.C51 P16.R1 CPU Clearing
P16.R1.C52 P16.R1 CPU Clearing
P16.R1.C53 P16.R1 CPU Clearing
P16.R1.C54 P16.R1 CPU Clearing
P16.R1.C55 P16.R1 CPU Clearing
P16.R1.C56 P16.R1 CPU Clearing
P16.R1.C57 P16.R1 CPU Clearing
P16.R1.C58 P16.R1 CPU Clearing
P16.R1.C59 P16.R1 CPU Clearing
P16.R1.C60 P16.R1 CPU Clearing
P16.R1.C61 P16.R1 CPU Clearing
P16.R1.C62 P16.R1 CPU Clearing
P16.R1.C63 P16.R1 CPU Clearing
P16.R1.C64 P16.R1 CPU Clearing
P16.R1.C65 P16.R1 CPU Clearing
P16.R1.C66 P16.R1 CPU Clearing
P16.R1.C67 P16.R1 CPU Clearing
P16.R1.C68 P16.R1 CPU Clearing
P16.R1.C69 P16.R1 CPU Clearing
P16.R1.C70 P16.R1 CPU Clearing
P16.R1.C71 P16.R1 CPU Clearing
P16.R1.C72 P16.R1 CPU Clearing
P16.R1.C73 P16.R1 CPU Clearing
P16.R1.C74 P16.R1 CPU Clearing
P16.R1.C75 P16.R1 CPU Clearing
P16.R1.C76 P16.R1 CPU Clearing
P16.R1.C77 P16.R1 CPU Clearing
P16.R1.C78 P16.R1 CPU Clearing
P16.R1.C79 P16.R1 CPU Clearing
P16.R1.C80 P16.R1 CPU Clearing
P16.R1.C81 P16.R1 CPU Clearing
P16.R1.C82 P16.R1 CPU Clearing
P16.R1.C83 P16.R1 CPU Clearing
P16.R1.C84 P16.R1 CPU Clearing
P16.R1.C85 P16.R1 CPU Clearing
P16.R1.C86 P16.R1 CPU Clearing
P16.R1.C87 P16.R1 CPU Clearing
P16.R1.C88 P16.R1 CPU Clearing
P16.R1.C89 P16.R1 CPU Clearing
P17.R1.C1 P17.R1 Faysal Rapid Cash
P17.R1.C2 P17.R1 Faysal Rapid Cash
P17.R1.C3 P17.R1 Faysal Rapid Cash
P17.R1.C4 P17.R1 Faysal Rapid Cash
P17.R1.C5 P17.R1 Faysal Rapid Cash
P17.R1.C6 P17.R1 Faysal Rapid Cash
P17.R1.C7 P17.R1 Faysal Rapid Cash
P17.R1.C8 P17.R1 Faysal Rapid Cash
P17.R1.C9 P17.R1 Faysal Rapid Cash
P17.R1.C10 P17.R1 Faysal Rapid Cash
P17.R1.C11 P17.R1 Faysal Rapid Cash
P17.R1.C12 P17.R1 Faysal Rapid Cash
P17.R1.C13 P17.R1 Faysal Rapid Cash
P17.R1.C14 P17.R1 Faysal Rapid Cash
P17.R1.C15 P17.R1 Faysal Rapid Cash
P17.R1.C16 P17.R1 Faysal Rapid Cash
P17.R1.C17 P17.R1 Faysal Rapid Cash
P17.R1.C18 P17.R1 Faysal Rapid Cash
P17.R1.C19 P17.R1 Faysal Rapid Cash
P17.R1.C20 P17.R1 Faysal Rapid Cash
P17.R1.C21 P17.R1 Faysal Rapid Cash
P17.R1.C22 P17.R1 Faysal Rapid Cash
P17.R1.C23 P17.R1 Faysal Rapid Cash
P17.R1.C24 P17.R1 Faysal Rapid Cash
P17.R1.C25 P17.R1 Faysal Rapid Cash
P17.R1.C26 P17.R1 Faysal Rapid Cash
P17.R1.C27 P17.R1 Faysal Rapid Cash
P17.R1.C28 P17.R1 Faysal Rapid Cash
P17.R1.C29 P17.R1 Faysal Rapid Cash
P17.R1.C30 P17.R1 Faysal Rapid Cash
P17.R1.C31 P17.R1 Faysal Rapid Cash
P17.R1.C32 P17.R1 Faysal Rapid Cash
P17.R1.C33 P17.R1 Faysal Rapid Cash
P17.R1.C34 P17.R1 Faysal Rapid Cash
P17.R1.C35 P17.R1 Faysal Rapid Cash
P17.R1.C36 P17.R1 Faysal Rapid Cash
P17.R1.C37 P17.R1 Faysal Rapid Cash
P17.R1.C38 P17.R1 Faysal Rapid Cash
P17.R1.C39 P17.R1 Faysal Rapid Cash
P17.R1.C40 P17.R1 Faysal Rapid Cash
P17.R1.C41 P17.R1 Faysal Rapid Cash
P17.R1.C42 P17.R1 Faysal Rapid Cash
P17.R1.C43 P17.R1 Faysal Rapid Cash
P17.R1.C44 P17.R1 Faysal Rapid Cash
P17.R1.C45 P17.R1 Faysal Rapid Cash
P17.R1.C46 P17.R1 Faysal Rapid Cash
P17.R1.C47 P17.R1 Faysal Rapid Cash
P17.R1.C48 P17.R1 Faysal Rapid Cash
P17.R1.C49 P17.R1 Faysal Rapid Cash
P17.R1.C50 P17.R1 Faysal Rapid Cash
P17.R1.C51 P17.R1 Faysal Rapid Cash
P17.R1.C52 P17.R1 Faysal Rapid Cash
P17.R1.C53 P17.R1 Faysal Rapid Cash
P17.R1.C54 P17.R1 Faysal Rapid Cash
P17.R1.C55 P17.R1 Faysal Rapid Cash
P17.R1.C56 P17.R1 Faysal Rapid Cash
P17.R1.C57 P17.R1 Faysal Rapid Cash
P17.R1.C58 P17.R1 Faysal Rapid Cash
P17.R1.C59 P17.R1 Faysal Rapid Cash
P17.R1.C60 P17.R1 Faysal Rapid Cash
P17.R1.C61 P17.R1 Faysal Rapid Cash
P17.R1.C62 P17.R1 Faysal Rapid Cash
P17.R1.C63 P17.R1 Faysal Rapid Cash
P17.R1.C64 P17.R1 Faysal Rapid Cash
P17.R1.C65 P17.R1 Faysal Rapid Cash
P17.R1.C66 P17.R1 Faysal Rapid Cash
P17.R1.C67 P17.R1 Faysal Rapid Cash
P17.R1.C68 P17.R1 Faysal Rapid Cash
P17.R1.C69 P17.R1 Faysal Rapid Cash
P17.R1.C70 P17.R1 Faysal Rapid Cash
P17.R1.C71 P17.R1 Faysal Rapid Cash
P17.R1.C72 P17.R1 Faysal Rapid Cash
P17.R1.C73 P17.R1 Faysal Rapid Cash
P17.R1.C74 P17.R1 Faysal Rapid Cash
P17.R1.C75 P17.R1 Faysal Rapid Cash
P17.R1.C76 P17.R1 Faysal Rapid Cash
P17.R1.C77 P17.R1 Faysal Rapid Cash
P17.R1.C78 P17.R1 Faysal Rapid Cash
P17.R1.C79 P17.R1 Faysal Rapid Cash
P17.R1.C80 P17.R1 Faysal Rapid Cash
P18.R1.C1 P18.R1 Government Securities
P18.R1.C2 P18.R1 Government Securities
P18.R1.C3 P18.R1 Government Securities
P18.R1.C4 P18.R1 Government Securities
P18.R1.C5 P18.R1 Government Securities
P18.R1.C6 P18.R1 Government Securities
P18.R1.C7 P18.R1 Government Securities
P18.R1.C8 P18.R1 Government Securities
P18.R1.C9 P18.R1 Government Securities
P18.R1.C10 P18.R1 Government Securities
P18.R1.C11 P18.R1 Government Securities
P18.R1.C12 P18.R1 Government Securities
P18.R1.C13 P18.R1 Government Securities
P18.R1.C14 P18.R1 Government Securities
P18.R1.C15 P18.R1 Government Securities
P18.R1.C16 P18.R1 Government Securities
P18.R1.C17 P18.R1 Government Securities
P18.R1.C18 P18.R1 Government Securities
P18.R1.C19 P18.R1 Government Securities
P18.R1.C20 P18.R1 Government Securities
P18.R1.C21 P18.R1 Government Securities
P18.R1.C22 P18.R1 Government Securities
P18.R1.C23 P18.R1 Government Securities
P18.R1.C24 P18.R1 Government Securities
P18.R1.C25 P18.R1 Government Securities
P18.R1.C26 P18.R1 Government Securities
P18.R1.C27 P18.R1 Government Securities
P18.R1.C28 P18.R1 Government Securities
P18.R1.C29 P18.R1 Government Securities
P18.R1.C30 P18.R1 Government Securities
P18.R1.C31 P18.R1 Government Securities
P18.R1.C32 P18.R1 Government Securities
P18.R1.C33 P18.R1 Government Securities
P18.R1.C34 P18.R1 Government Securities
P18.R1.C35 P18.R1 Government Securities
P18.R1.C36 P18.R1 Government Securities
P18.R1.C37 P18.R1 Government Securities
P18.R1.C38 P18.R1 Government Securities
P18.R1.C39 P18.R1 Government Securities
P18.R1.C40 P18.R1 Government Securities
P18.R1.C41 P18.R1 Government Securities
P18.R1.C42 P18.R1 Government Securities
P18.R1.C43 P18.R1 Government Securities
P18.R1.C44 P18.R1 Government Securities
P18.R1.C45 P18.R1 Government Securities
P18.R1.C46 P18.R1 Government Securities
P18.R1.C47 P18.R1 Government Securities
P18.R1.C48 P18.R1 Government Securities
P18.R1.C49 P18.R1 Government Securities
P18.R1.C50 P18.R1 Government Securities
P19.R1.C1 P19.R1 Term Deposit Receipt
P19.R1.C2 P19.R1 Term Deposit Receipt
P19.R1.C3 P19.R1 Term Deposit Receipt
P19.R1.C4 P19.R1 Term Deposit Receipt
P19.R1.C5 P19.R1 Term Deposit Receipt
P19.R1.C6 P19.R1 Term Deposit Receipt
P19.R1.C7 P19.R1 Term Deposit Receipt
P19.R1.C8 P19.R1 Term Deposit Receipt
P19.R1.C9 P19.R1 Term Deposit Receipt
P19.R1.C10 P19.R1 Term Deposit Receipt
P19.R1.C11 P19.R1 Term Deposit Receipt
P19.R1.C12 P19.R1 Term Deposit Receipt
P19.R1.C13 P19.R1 Term Deposit Receipt
P19.R1.C14 P19.R1 Term Deposit Receipt
P19.R1.C15 P19.R1 Term Deposit Receipt
P19.R1.C16 P19.R1 Term Deposit Receipt
P19.R1.C17 P19.R1 Term Deposit Receipt
P19.R1.C18 P19.R1 Term Deposit Receipt
P19.R1.C19 P19.R1 Term Deposit Receipt
P19.R1.C20 P19.R1 Term Deposit Receipt
P19.R1.C21 P19.R1 Term Deposit Receipt
P19.R1.C22 P19.R1 Term Deposit Receipt
P19.R1.C23 P19.R1 Term Deposit Receipt
P19.R1.C24 P19.R1 Term Deposit Receipt
P19.R1.C25 P19.R1 Term Deposit Receipt
P19.R1.C26 P19.R1 Term Deposit Receipt
P19.R1.C27 P19.R1 Term Deposit Receipt
P19.R1.C28 P19.R1 Term Deposit Receipt
P19.R1.C29 P19.R1 Term Deposit Receipt
P19.R1.C30 P19.R1 Term Deposit Receipt
P19.R1.C31 P19.R1 Term Deposit Receipt
P19.R1.C32 P19.R1 Term Deposit Receipt
P19.R1.C33 P19.R1 Term Deposit Receipt
P19.R1.C34 P19.R1 Term Deposit Receipt
P19.R1.C35 P19.R1 Term Deposit Receipt
P19.R1.C36 P19.R1 Term Deposit Receipt
P19.R1.C37 P19.R1 Term Deposit Receipt
P19.R1.C38 P19.R1 Term Deposit Receipt
P19.R1.C39 P19.R1 Term Deposit Receipt
P19.R1.C40 P19.R1 Term Deposit Receipt
P19.R1.C41 P19.R1 Term Deposit Receipt
P19.R1.C42 P19.R1 Term Deposit Receipt
P19.R1.C43 P19.R1 Term Deposit Receipt
P19.R1.C44 P19.R1 Term Deposit Receipt
P19.R1.C45 P19.R1 Term Deposit Receipt
P19.R1.C46 P19.R1 Term Deposit Receipt
P19.R1.C47 P19.R1 Term Deposit Receipt
P19.R1.C48 P19.R1 Term Deposit Receipt
P20.R1.C1 P20.R1 Account Opening/Closing
P20.R1.C2 P20.R1 Account Opening/Closing
P20.R1.C3 P20.R1 Account Opening/Closing
P20.R1.C4 P20.R1 Account Opening/Closing
P20.R1.C5 P20.R1 Account Opening/Closing
P20.R1.C6 P20.R1 Account Opening/Closing
P20.R1.C7 P20.R1 Account Opening/Closing
P20.R1.C8 P20.R1 Account Opening/Closing
P20.R1.C9 P20.R1 Account Opening/Closing
P20.R1.C10 P20.R1 Account Opening/Closing
P20.R1.C11 P20.R1 Account Opening/Closing
P20.R1.C12 P20.R1 Account Opening/Closing
P20.R1.C13 P20.R1 Account Opening/Closing
P20.R1.C14 P20.R1 Account Opening/Closing
P20.R1.C15 P20.R1 Account Opening/Closing
P20.R1.C16 P20.R1 Account Opening/Closing
P20.R1.C17 P20.R1 Account Opening/Closing
P20.R1.C18 P20.R1 Account Opening/Closing
P20.R1.C19 P20.R1 Account Opening/Closing
P20.R1.C20 P20.R1 Account Opening/Closing
P20.R1.C21 P20.R1 Account Opening/Closing
P20.R1.C22 P20.R1 Account Opening/Closing
P20.R1.C23 P20.R1 Account Opening/Closing
P20.R1.C24 P20.R1 Account Opening/Closing
P20.R1.C25 P20.R1 Account Opening/Closing
P20.R1.C26 P20.R1 Account Opening/Closing
P20.R1.C27 P20.R1 Account Opening/Closing
P20.R1.C28 P20.R1 Account Opening/Closing
P20.R1.C29 P20.R1 Account Opening/Closing
P20.R1.C30 P20.R1 Account Opening/Closing
P20.R1.C31 P20.R1 Account Opening/Closing
P20.R1.C32 P20.R1 Account Opening/Closing
P20.R1.C33 P20.R1 Account Opening/Closing
P20.R1.C34 P20.R1 Account Opening/Closing
P20.R1.C35 P20.R1 Account Opening/Closing
P20.R1.C36 P20.R1 Account Opening/Closing
P20.R1.C37 P20.R1 Account Opening/Closing
P20.R1.C38 P20.R1 Account Opening/Closing
P20.R1.C39 P20.R1 Account Opening/Closing
P20.R1.C40 P20.R1 Account Opening/Closing
P20.R1.C41 P20.R1 Account Opening/Closing
P20.R1.C42 P20.R1 Account Opening/Closing
P20.R1.C43 P20.R1 Account Opening/Closing
P20.R1.C44 P20.R1 Account Opening/Closing
P20.R1.C45 P20.R1 Account Opening/Closing
P20.R1.C46 P20.R1 Account Opening/Closing
P20.R1.C47 P20.R1 Account Opening/Closing
P20.R1.C48 P20.R1 Account Opening/Closing
P20.R1.C49 P20.R1 Account Opening/Closing
P20.R1.C50 P20.R1 Account Opening/Closing
P20.R1.C51 P20.R1 Account Opening/Closing
P20.R1.C52 P20.R1 Account Opening/Closing
P20.R1.C53 P20.R1 Account Opening/Closing
P20.R1.C54 P20.R1 Account Opening/Closing
P20.R1.C55 P20.R1 Account Opening/Closing
P20.R1.C56 P20.R1 Account Opening/Closing
P20.R1.C57 P20.R1 Account Opening/Closing
P20.R1.C58 P20.R1 Account Opening/Closing
P20.R1.C59 P20.R1 Account Opening/Closing
P20.R1.C60 P20.R1 Account Opening/Closing
P20.R1.C61 P20.R1 Account Opening/Closing
P20.R1.C62 P20.R1 Account Opening/Closing
P20.R1.C63 P20.R1 Account Opening/Closing
P20.R1.C64 P20.R1 Account Opening/Closing
P21.R1.C1 P21.R1 Creation and Amendment of Static Data
P21.R1.C2 P21.R1 Creation and Amendment of Static Data
P21.R1.C3 P21.R1 Creation and Amendment of Static Data
P21.R1.C4 P21.R1 Creation and Amendment of Static Data
P21.R1.C5 P21.R1 Creation and Amendment of Static Data
P21.R1.C6 P21.R1 Creation and Amendment of Static Data
P21.R1.C7 P21.R1 Creation and Amendment of Static Data
P21.R1.C8 P21.R1 Creation and Amendment of Static Data
P21.R1.C9 P21.R1 Creation and Amendment of Static Data
P21.R1.C10 P21.R1 Creation and Amendment of Static Data
P21.R1.C11 P21.R1 Creation and Amendment of Static Data
P21.R1.C12 P21.R1 Creation and Amendment of Static Data
P21.R1.C13 P21.R1 Creation and Amendment of Static Data
P21.R1.C14 P21.R1 Creation and Amendment of Static Data
P21.R1.C15 P21.R1 Creation and Amendment of Static Data
P21.R1.C16 P21.R1 Creation and Amendment of Static Data
P21.R1.C17 P21.R1 Creation and Amendment of Static Data
P21.R1.C18 P21.R1 Creation and Amendment of Static Data
P21.R1.C19 P21.R1 Creation and Amendment of Static Data
P21.R1.C20 P21.R1 Creation and Amendment of Static Data
P21.R1.C21 P21.R1 Creation and Amendment of Static Data
P21.R1.C22 P21.R1 Creation and Amendment of Static Data
P21.R1.C23 P21.R1 Creation and Amendment of Static Data
P21.R1.C24 P21.R1 Creation and Amendment of Static Data
P21.R1.C25 P21.R1 Creation and Amendment of Static Data
P21.R1.C26 P21.R1 Creation and Amendment of Static Data
P21.R1.C27 P21.R1 Creation and Amendment of Static Data
P21.R1.C28 P21.R1 Creation and Amendment of Static Data
P21.R1.C29 P21.R1 Creation and Amendment of Static Data
P21.R1.C30 P21.R1 Creation and Amendment of Static Data
P21.R1.C31 P21.R1 Creation and Amendment of Static Data
P21.R1.C32 P21.R1 Creation and Amendment of Static Data
P21.R1.C33 P21.R1 Creation and Amendment of Static Data
P21.R1.C34 P21.R1 Creation and Amendment of Static Data
P21.R1.C35 P21.R1 Creation and Amendment of Static Data
P21.R1.C36 P21.R1 Creation and Amendment of Static Data
P21.R1.C37 P21.R1 Creation and Amendment of Static Data
P21.R1.C38 P21.R1 Creation and Amendment of Static Data
P21.R1.C39 P21.R1 Creation and Amendment of Static Data
P21.R1.C40 P21.R1 Creation and Amendment of Static Data
P21.R1.C41 P21.R1 Creation and Amendment of Static Data
P21.R1.C42 P21.R1 Creation and Amendment of Static Data
P21.R1.C43 P21.R1 Creation and Amendment of Static Data
P21.R1.C44 P21.R1 Creation and Amendment of Static Data
P21.R1.C45 P21.R1 Creation and Amendment of Static Data
P21.R1.C46 P21.R1 Creation and Amendment of Static Data
P21.R1.C47 P21.R1 Creation and Amendment of Static Data
P21.R1.C48 P21.R1 Creation and Amendment of Static Data
P21.R1.C49 P21.R1 Creation and Amendment of Static Data
P21.R1.C50 P21.R1 Creation and Amendment of Static Data
P21.R1.C51 P21.R1 Creation and Amendment of Static Data
P21.R1.C52 P21.R1 Creation and Amendment of Static Data
P21.R1.C53 P21.R1 Creation and Amendment of Static Data
P21.R1.C54 P21.R1 Creation and Amendment of Static Data
P21.R1.C55 P21.R1 Creation and Amendment of Static Data
P21.R1.C56 P21.R1 Creation and Amendment of Static Data
P21.R1.C57 P21.R1 Creation and Amendment of Static Data
P21.R1.C58 P21.R1 Creation and Amendment of Static Data
P21.R1.C59 P21.R1 Creation and Amendment of Static Data
P21.R1.C60 P21.R1 Creation and Amendment of Static Data
P21.R1.C61 P21.R1 Creation and Amendment of Static Data
P21.R1.C62 P21.R1 Creation and Amendment of Static Data
P21.R1.C63 P21.R1 Creation and Amendment of Static Data
P21.R1.C64 P21.R1 Creation and Amendment of Static Data
P21.R1.C65 P21.R1 Creation and Amendment of Static Data
P21.R1.C66 P21.R1 Creation and Amendment of Static Data
P21.R1.C67 P21.R1 Creation and Amendment of Static Data
P21.R1.C68 P21.R1 Creation and Amendment of Static Data
P21.R1.C69 P21.R1 Creation and Amendment of Static Data
P21.R1.C70 P21.R1 Creation and Amendment of Static Data
P21.R1.C71 P21.R1 Creation and Amendment of Static Data
P21.R1.C72 P21.R1 Creation and Amendment of Static Data
P21.R1.C73 P21.R1 Creation and Amendment of Static Data
P21.R1.C74 P21.R1 Creation and Amendment of Static Data
P21.R1.C75 P21.R1 Creation and Amendment of Static Data
P21.R1.C76 P21.R1 Creation and Amendment of Static Data
P21.R1.C77 P21.R1 Creation and Amendment of Static Data
P21.R1.C78 P21.R1 Creation and Amendment of Static Data
P21.R1.C79 P21.R1 Creation and Amendment of Static Data
P7.R3.C1 P7.R3 Handling of Customer Instructions
P7.R3.C2 P7.R3 Handling of Customer Instructions
P7.R3.C3 P7.R3 Handling of Customer Instructions
P7.R3.C4 P7.R3 Handling of Customer Instructions
P7.R3.C5 P7.R3 Handling of Customer Instructions
P7.R3.C6 P7.R3 Handling of Customer Instructions
P7.R3.C7 P7.R3 Handling of Customer Instructions
P7.R3.C8 P7.R3 Handling of Customer Instructions
P7.R3.C9 P7.R3 Handling of Customer Instructions
P7.R3.C10 P7.R3 Handling of Customer Instructions
P7.R3.C11 P7.R3 Handling of Customer Instructions
P7.R3.C12 P7.R3 Handling of Customer Instructions
P7.R3.C13 P7.R3 Handling of Customer Instructions
P7.R3.C14 P7.R3 Handling of Customer Instructions
P7.R3.C15 P7.R3 Handling of Customer Instructions
P7.R3.C16 P7.R3 Handling of Customer Instructions
P7.R3.C17 P7.R3 Handling of Customer Instructions
P7.R3.C18 P7.R3 Handling of Customer Instructions
P7.R3.C19 P7.R3 Handling of Customer Instructions
P7.R3.C20 P7.R3 Handling of Customer Instructions
P3.R4.C1 P3.R4 Cheque Handling & Clearing
P3.R4.C2 P3.R4 Cheque Handling & Clearing
P3.R4.C3 P3.R4 Cheque Handling & Clearing
P3.R4.C4 P3.R4 Cheque Handling & Clearing
P3.R4.C5 P3.R4 Cheque Handling & Clearing
P3.R4.C6 P3.R4 Cheque Handling & Clearing
P3.R4.C7 P3.R4 Cheque Handling & Clearing
P3.R4.C8 P3.R4 Cheque Handling & Clearing
P3.R4.C9 P3.R4 Cheque Handling & Clearing
P3.R4.C10 P3.R4 Cheque Handling & Clearing
P3.R4.C11 P3.R4 Cheque Handling & Clearing
P3.R4.C12 P3.R4 Cheque Handling & Clearing
P3.R4.C13 P3.R4 Cheque Handling & Clearing
P3.R4.C14 P3.R4 Cheque Handling & Clearing
P3.R4.C15 P3.R4 Cheque Handling & Clearing
P3.R4.C16 P3.R4 Cheque Handling & Clearing
P3.R4.C17 P3.R4 Cheque Handling & Clearing
P3.R4.C18 P3.R4 Cheque Handling & Clearing
P3.R4.C19 P3.R4 Cheque Handling & Clearing
P3.R4.C20 P3.R4 Cheque Handling & Clearing
P3.R4.C21 P3.R4 Cheque Handling & Clearing
P3.R4.C22 P3.R4 Cheque Handling & Clearing
P3.R4.C23 P3.R4 Cheque Handling & Clearing
P3.R4.C24 P3.R4 Cheque Handling & Clearing
P3.R4.C25 P3.R4 Cheque Handling & Clearing
P3.R4.C26 P3.R4 Cheque Handling & Clearing
P3.R4.C27 P3.R4 Cheque Handling & Clearing
P3.R4.C28 P3.R4 Cheque Handling & Clearing
P3.R4.C29 P3.R4 Cheque Handling & Clearing
P3.R4.C30 P3.R4 Cheque Handling & Clearing
P3.R4.C31 P3.R4 Cheque Handling & Clearing
P3.R4.C32 P3.R4 Cheque Handling & Clearing
P3.R4.C33 P3.R4 Cheque Handling & Clearing
P3.R4.C34 P3.R4 Cheque Handling & Clearing
P3.R4.C35 P3.R4 Cheque Handling & Clearing
P3.R4.C36 P3.R4 Cheque Handling & Clearing
P3.R4.C37 P3.R4 Cheque Handling & Clearing
P3.R4.C38 P3.R4 Cheque Handling & Clearing
P3.R4.C39 P3.R4 Cheque Handling & Clearing
P3.R4.C40 P3.R4 Cheque Handling & Clearing
P3.R4.C41 P3.R4 Cheque Handling & Clearing
P3.R4.C42 P3.R4 Cheque Handling & Clearing
P3.R4.C43 P3.R4 Cheque Handling & Clearing
P3.R4.C44 P3.R4 Cheque Handling & Clearing
P3.R4.C45 P3.R4 Cheque Handling & Clearing
P3.R4.C46 P3.R4 Cheque Handling & Clearing
P3.R4.C47 P3.R4 Cheque Handling & Clearing
P3.R4.C48 P3.R4 Cheque Handling & Clearing
P3.R4.C49 P3.R4 Cheque Handling & Clearing
P3.R4.C50 P3.R4 Cheque Handling & Clearing
P3.R4.C51 P3.R4 Cheque Handling & Clearing
P3.R4.C52 P3.R4 Cheque Handling & Clearing
P3.R4.C53 P3.R4 Cheque Handling & Clearing
P3.R4.C54 P3.R4 Cheque Handling & Clearing
P3.R4.C55 P3.R4 Cheque Handling & Clearing
P3.R4.C56 P3.R4 Cheque Handling & Clearing
P3.R4.C57 P3.R4 Cheque Handling & Clearing
P3.R4.C58 P3.R4 Cheque Handling & Clearing
P3.R4.C59 P3.R4 Cheque Handling & Clearing
P3.R4.C60 P3.R4 Cheque Handling & Clearing
P3.R4.C61 P3.R4 Cheque Handling & Clearing
P3.R4.C62 P3.R4 Cheque Handling & Clearing
P3.R4.C63 P3.R4 Cheque Handling & Clearing
P3.R4.C64 P3.R4 Cheque Handling & Clearing
P3.R4.C65 P3.R4 Cheque Handling & Clearing
P3.R4.C66 P3.R4 Cheque Handling & Clearing
P3.R4.C67 P3.R4 Cheque Handling & Clearing
P3.R4.C68 P3.R4 Cheque Handling & Clearing
P3.R4.C69 P3.R4 Cheque Handling & Clearing
P3.R4.C70 P3.R4 Cheque Handling & Clearing
P3.R4.C71 P3.R4 Cheque Handling & Clearing
P3.R4.C72 P3.R4 Cheque Handling & Clearing
P3.R4.C73 P3.R4 Cheque Handling & Clearing
P3.R4.C74 P3.R4 Cheque Handling & Clearing
P3.R4.C75 P3.R4 Cheque Handling & Clearing
P3.R4.C76 P3.R4 Cheque Handling & Clearing
P3.R4.C77 P3.R4 Cheque Handling & Clearing
P3.R4.C78 P3.R4 Cheque Handling & Clearing
P3.R4.C79 P3.R4 Cheque Handling & Clearing
P3.R4.C80 P3.R4 Cheque Handling & Clearing
P3.R4.C81 P3.R4 Cheque Handling & Clearing
P3.R4.C82 P3.R4 Cheque Handling & Clearing
P3.R4.C83 P3.R4 Cheque Handling & Clearing
P3.R4.C84 P3.R4 Cheque Handling & Clearing
P3.R4.C85 P3.R4 Cheque Handling & Clearing
P3.R4.C86 P3.R4 Cheque Handling & Clearing
P3.R4.C87 P3.R4 Cheque Handling & Clearing
P3.R4.C88 P3.R4 Cheque Handling & Clearing
P3.R4.C89 P3.R4 Cheque Handling & Clearing
P3.R4.C90 P3.R4 Cheque Handling & Clearing
P3.R4.C91 P3.R4 Cheque Handling & Clearing
P3.R4.C92 P3.R4 Cheque Handling & Clearing
P3.R4.C93 P3.R4 Cheque Handling & Clearing
P3.R4.C94 P3.R4 Cheque Handling & Clearing
P3.R4.C95 P3.R4 Cheque Handling & Clearing
P3.R4.C96 P3.R4 Cheque Handling & Clearing
P3.R4.C97 P3.R4 Cheque Handling & Clearing
P3.R4.C98 P3.R4 Cheque Handling & Clearing
P3.R4.C99 P3.R4 Cheque Handling & Clearing
P3.R4.C100 P3.R4 Cheque Handling & Clearing
P9.R1.C49 P9.R1 Physical Access Control
P9.R1.C50 P9.R1 Physical Access Control
P9.R1.C51 P9.R1 Physical Access Control
P9.R1.C52 P9.R1 Physical Access Control
P9.R1.C53 P9.R1 Physical Access Control
P9.R1.C54 P9.R1 Physical Access Control
P9.R1.C55 P9.R1 Physical Access Control
P9.R1.C56 P9.R1 Physical Access Control
P9.R1.C57 P9.R1 Physical Access Control
P9.R1.C58 P9.R1 Physical Access Control
P9.R1.C59 P9.R1 Physical Access Control
P9.R1.C60 P9.R1 Physical Access Control
P9.R1.C61 P9.R1 Physical Access Control
P9.R1.C62 P9.R1 Physical Access Control
P9.R1.C63 P9.R1 Physical Access Control
P9.R1.C64 P9.R1 Physical Access Control
P10.R1.C22 P10.R1 System Access Rights
P10.R1.C23 P10.R1 System Access Rights
P10.R1.C24 P10.R1 System Access Rights
P10.R1.C25 P10.R1 System Access Rights
P10.R1.C26 P10.R1 System Access Rights
P10.R1.C27 P10.R1 System Access Rights
P10.R1.C28 P10.R1 System Access Rights
P10.R1.C29 P10.R1 System Access Rights
P10.R1.C30 P10.R1 System Access Rights
P10.R1.C31 P10.R1 System Access Rights
P10.R1.C32 P10.R1 System Access Rights
P10.R1.C33 P10.R1 System Access Rights
P10.R1.C34 P10.R1 System Access Rights
P10.R1.C35 P10.R1 System Access Rights
P10.R1.C36 P10.R1 System Access Rights
P10.R1.C37 P10.R1 System Access Rights
P10.R1.C38 P10.R1 System Access Rights
P10.R1.C39 P10.R1 System Access Rights
P14.R1.C2 P14.R1 Management Information System
P14.R2.C3 P14.R2 Management Information System
P14.R2.C4 P14.R2 Management Information System
P14.R2.C5 P14.R2 Management Information System
P14.R2.C6 P14.R2 Management Information System
P11.R1.C29 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C30 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C31 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C32 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C33 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C34 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C35 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C36 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C37 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C38 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C39 P11.R1 Organizational Structure, Procedures & Job Descript
P11.R1.C40 P11.R1 Organizational Structure, Procedures & Job Descript
P13.R1.C4 P13.R1 Staffing & back-up arrangements
P13.R1.C5 P13.R1 Staffing & back-up arrangements
P13.R1.C6 P13.R1 Staffing & back-up arrangements
P13.R1.C7 P13.R1 Staffing & back-up arrangements
P13.R1.C8 P13.R1 Staffing & back-up arrangements
P22.R1.C1 P22.R1 Suspense and Sundry Account Monitoring
P22.R1.C2 P22.R1 Suspense and Sundry Account Monitoring
P22.R1.C3 P22.R1 Suspense and Sundry Account Monitoring
P22.R1.C4 P22.R1 Suspense and Sundry Account Monitoring
P22.R1.C5 P22.R1 Suspense and Sundry Account Monitoring
P4.R4.C1 P4.R4 Remittances
P4.R4.C2 P4.R4 Remittances
P4.R4.C3 P4.R4 Remittances
P4.R4.C4 P4.R4 Remittances
P4.R4.C5 P4.R4 Remittances
P4.R4.C6 P4.R4 Remittances
P4.R4.C7 P4.R4 Remittances
P4.R4.C8 P4.R4 Remittances
P4.R4.C9 P4.R4 Remittances
P4.R4.C10 P4.R4 Remittances
P4.R4.C11 P4.R4 Remittances
P4.R4.C12 P4.R4 Remittances
P4.R4.C13 P4.R4 Remittances
P4.R4.C14 P4.R4 Remittances
P4.R4.C15 P4.R4 Remittances
P4.R4.C16 P4.R4 Remittances
P4.R4.C17 P4.R4 Remittances
P4.R4.C18 P4.R4 Remittances
P4.R4.C19 P4.R4 Remittances
P4.R4.C20 P4.R4 Remittances
P4.R4.C21 P4.R4 Remittances
P4.R4.C22 P4.R4 Remittances
P4.R4.C23 P4.R4 Remittances
P4.R4.C24 P4.R4 Remittances
P4.R4.C25 P4.R4 Remittances
P4.R4.C26 P4.R4 Remittances
P4.R4.C27 P4.R4 Remittances
P4.R4.C28 P4.R4 Remittances
P4.R4.C29 P4.R4 Remittances
P4.R4.C30 P4.R4 Remittances
P4.R4.C31 P4.R4 Remittances
P4.R4.C32 P4.R4 Remittances
P4.R4.C33 P4.R4 Remittances
P4.R4.C34 P4.R4 Remittances
P4.R4.C35 P4.R4 Remittances
P4.R4.C36 P4.R4 Remittances
P4.R4.C37 P4.R4 Remittances
P4.R4.C38 P4.R4 Remittances
P4.R4.C39 P4.R4 Remittances
P4.R4.C40 P4.R4 Remittances
P4.R4.C41 P4.R4 Remittances
P4.R4.C42 P4.R4 Remittances
P4.R4.C43 P4.R4 Remittances
P4.R4.C44 P4.R4 Remittances
P4.R4.C45 P4.R4 Remittances
P4.R4.C46 P4.R4 Remittances
P4.R4.C47 P4.R4 Remittances
P4.R4.C48 P4.R4 Remittances
P4.R4.C49 P4.R4 Remittances
P4.R4.C50 P4.R4 Remittances
P4.R4.C51 P4.R4 Remittances
P4.R4.C52 P4.R4 Remittances
P4.R4.C53 P4.R4 Remittances
P4.R4.C54 P4.R4 Remittances
P4.R4.C55 P4.R4 Remittances
P4.R4.C56 P4.R4 Remittances
P4.R4.C57 P4.R4 Remittances
P4.R4.C58 P4.R4 Remittances
P4.R4.C59 P4.R4 Remittances
P4.R4.C60 P4.R4 Remittances
P4.R4.C61 P4.R4 Remittances
P4.R4.C62 P4.R4 Remittances
P4.R4.C63 P4.R4 Remittances
P4.R4.C64 P4.R4 Remittances
P4.R4.C65 P4.R4 Remittances
P4.R4.C66 P4.R4 Remittances
P4.R4.C67 P4.R4 Remittances
P4.R4.C68 P4.R4 Remittances
P4.R4.C69 P4.R4 Remittances
P4.R4.C70 P4.R4 Remittances
P4.R4.C71 P4.R4 Remittances
P4.R4.C72 P4.R4 Remittances
P4.R4.C73 P4.R4 Remittances
P4.R4.C74 P4.R4 Remittances
P4.R4.C75 P4.R4 Remittances
P4.R4.C76 P4.R4 Remittances
P4.R4.C77 P4.R4 Remittances
P4.R4.C78 P4.R4 Remittances
P4.R4.C79 P4.R4 Remittances
P4.R4.C80 P4.R4 Remittances
P4.R4.C81 P4.R4 Remittances
P4.R4.C82 P4.R4 Remittances
P4.R4.C83 P4.R4 Remittances
P4.R4.C84 P4.R4 Remittances
P4.R4.C85 P4.R4 Remittances
P4.R4.C86 P4.R4 Remittances
P4.R4.C87 P4.R4 Remittances
P4.R4.C88 P4.R4 Remittances
P4.R4.C89 P4.R4 Remittances
P4.R4.C90 P4.R4 Remittances
P4.R4.C91 P4.R4 Remittances
P4.R4.C92 P4.R4 Remittances
P4.R4.C93 P4.R4 Remittances
P4.R4.C94 P4.R4 Remittances
P4.R4.C95 P4.R4 Remittances
P4.R4.C96 P4.R4 Remittances
P4.R4.C97 P4.R4 Remittances
P4.R4.C98 P4.R4 Remittances
P4.R4.C99 P4.R4 Remittances
P4.R4.C100 P4.R4 Remittances
P4.R4.C101 P4.R4 Remittances
P4.R4.C102 P4.R4 Remittances
P4.R4.C103 P4.R4 Remittances
P4.R4.C104 P4.R4 Remittances
P4.R4.C105 P4.R4 Remittances
P4.R4.C106 P4.R4 Remittances
P4.R4.C107 P4.R4 Remittances
P4.R4.C108 P4.R4 Remittances
P23.R1.C1 P23.R1 Withholding Tax
P23.R1.C2 P23.R1 Withholding Tax
P23.R1.C3 P23.R1 Withholding Tax
P23.R1.C4 P23.R1 Withholding Tax
P23.R1.C5 P23.R1 Withholding Tax
P23.R1.C6 P23.R1 Withholding Tax
P23.R1.C7 P23.R1 Withholding Tax
P23.R1.C8 P23.R1 Withholding Tax
P23.R1.C9 P23.R1 Withholding Tax
P23.R1.C10 P23.R1 Withholding Tax
P23.R1.C11 P23.R1 Withholding Tax
P23.R1.C12 P23.R1 Withholding Tax
P23.R1.C13 P23.R1 Withholding Tax
P24.R1.C1 P24.R1 Control Environment Assessment
P24.R1.C2 P24.R1 Control Environment Assessment
P24.R1.C3 P24.R1 Control Environment Assessment
P24.R1.C4 P24.R1 Control Environment Assessment
P24.R1.C5 P24.R1 Control Environment Assessment
P24.R1.C6 P24.R1 Control Environment Assessment
P24.R1.C7 P24.R1 Control Environment Assessment
P24.R1.C8 P24.R1 Control Environment Assessment
P25.R1.C1 P25.R1 Letter of Credit
P25.R1.C2 P25.R1 Letter of Credit
P25.R1.C3 P25.R1 Letter of Credit
P25.R1.C4 P25.R1 Letter of Credit
P25.R1.C5 P25.R1 Letter of Credit
P25.R1.C6 P25.R1 Letter of Credit
P25.R1.C7 P25.R1 Letter of Credit
P25.R1.C8 P25.R1 Letter of Credit
P25.R1.C9 P25.R1 Letter of Credit
P25.R1.C10 P25.R1 Letter of Credit
P25.R1.C11 P25.R1 Letter of Credit
P25.R1.C12 P25.R1 Letter of Credit
P25.R1.C13 P25.R1 Letter of Credit
P25.R1.C14 P25.R1 Letter of Credit
P25.R1.C15 P25.R1 Letter of Credit
P25.R1.C16 P25.R1 Letter of Credit
P25.R1.C17 P25.R1 Letter of Credit
P25.R1.C18 P25.R1 Letter of Credit
P25.R1.C19 P25.R1 Letter of Credit
P25.R1.C20 P25.R1 Letter of Credit
P25.R1.C21 P25.R1 Letter of Credit
P25.R1.C22 P25.R1 Letter of Credit
P25.R1.C23 P25.R1 Letter of Credit
P25.R1.C24 P25.R1 Letter of Credit
P25.R1.C25 P25.R1 Letter of Credit
P25.R1.C26 P25.R1 Letter of Credit
P25.R1.C27 P25.R1 Letter of Credit
P25.R1.C28 P25.R1 Letter of Credit
P25.R1.C29 P25.R1 Letter of Credit
P25.R1.C30 P25.R1 Letter of Credit
P25.R1.C31 P25.R1 Letter of Credit
P25.R1.C32 P25.R1 Letter of Credit
P25.R1.C33 P25.R1 Letter of Credit
P25.R1.C34 P25.R1 Letter of Credit
P26.R1.C1 P26.R1 Import Bill drawn under LC
P26.R1.C2 P26.R1 Import Bill drawn under LC
P26.R1.C3 P26.R1 Import Bill drawn under LC
P26.R1.C4 P26.R1 Import Bill drawn under LC
P26.R1.C5 P26.R1 Import Bill drawn under LC
P26.R1.C6 P26.R1 Import Bill drawn under LC
P26.R1.C7 P26.R1 Import Bill drawn under LC
P26.R1.C8 P26.R1 Import Bill drawn under LC
P26.R1.C9 P26.R1 Import Bill drawn under LC
P26.R1.C10 P26.R1 Import Bill drawn under LC
P26.R1.C11 P26.R1 Import Bill drawn under LC
P26.R1.C12 P26.R1 Import Bill drawn under LC
P26.R1.C13 P26.R1 Import Bill drawn under LC
P26.R1.C14 P26.R1 Import Bill drawn under LC
P27.R1.C1 P27.R1 Advance Payment For Import
P27.R1.C2 P27.R1 Advance Payment For Import
P27.R1.C3 P27.R1 Advance Payment For Import
P27.R1.C4 P27.R1 Advance Payment For Import
P27.R1.C5 P27.R1 Advance Payment For Import
P27.R1.C6 P27.R1 Advance Payment For Import
P27.R1.C7 P27.R1 Advance Payment For Import
P27.R1.C8 P27.R1 Advance Payment For Import
P27.R1.C9 P27.R1 Advance Payment For Import
P27.R1.C10 P27.R1 Advance Payment For Import
P27.R1.C11 P27.R1 Advance Payment For Import
P27.R1.C12 P27.R1 Advance Payment For Import
P27.R1.C13 P27.R1 Advance Payment For Import
P27.R1.C14 P27.R1 Advance Payment For Import
P28.R1.C1 P28.R1 Open Account Payment
P28.R1.C2 P28.R1 Open Account Payment
P28.R1.C3 P28.R1 Open Account Payment
P28.R1.C4 P28.R1 Open Account Payment
P28.R1.C5 P28.R1 Open Account Payment
P28.R1.C6 P28.R1 Open Account Payment
P28.R1.C7 P28.R1 Open Account Payment
P28.R1.C8 P28.R1 Open Account Payment
P28.R1.C9 P28.R1 Open Account Payment
P29.R1.C1 P29.R1 Registration for Import contract
P29.R1.C2 P29.R1 Registration for Import contract
P29.R1.C3 P29.R1 Registration for Import contract
P29.R1.C4 P29.R1 Registration for Import contract
P29.R1.C5 P29.R1 Registration for Import contract
P29.R1.C6 P29.R1 Registration for Import contract
P29.R1.C7 P29.R1 Registration for Import contract
P29.R1.C8 P29.R1 Registration for Import contract
P29.R1.C9 P29.R1 Registration for Import contract
P29.R1.C10 P29.R1 Registration for Import contract
P29.R1.C11 P29.R1 Registration for Import contract
P29.R1.C12 P29.R1 Registration for Import contract
P29.R1.C13 P29.R1 Registration for Import contract
P29.R1.C14 P29.R1 Registration for Import contract
P30.R1.C1 P30.R1 Shipping Guarantee
P30.R1.C2 P30.R1 Shipping Guarantee
P30.R1.C3 P30.R1 Shipping Guarantee
P30.R1.C4 P30.R1 Shipping Guarantee
P30.R1.C5 P30.R1 Shipping Guarantee
P30.R1.C6 P30.R1 Shipping Guarantee
P30.R1.C7 P30.R1 Shipping Guarantee
P30.R1.C8 P30.R1 Shipping Guarantee
P30.R1.C9 P30.R1 Shipping Guarantee
P30.R1.C10 P30.R1 Shipping Guarantee
P30.R1.C11 P30.R1 Shipping Guarantee
P30.R1.C12 P30.R1 Shipping Guarantee
P30.R1.C13 P30.R1 Shipping Guarantee
P30.R1.C14 P30.R1 Shipping Guarantee
P30.R1.C15 P30.R1 Shipping Guarantee
P30.R1.C16 P30.R1 Shipping Guarantee
P31.R1.C1 P31.R1 Bank Guarantee
P31.R1.C2 P31.R1 Bank Guarantee
P31.R1.C3 P31.R1 Bank Guarantee
P31.R1.C4 P31.R1 Bank Guarantee
P31.R1.C5 P31.R1 Bank Guarantee
P31.R1.C6 P31.R1 Bank Guarantee
P31.R1.C7 P31.R1 Bank Guarantee
P31.R1.C8 P31.R1 Bank Guarantee
P31.R1.C9 P31.R1 Bank Guarantee
P31.R1.C10 P31.R1 Bank Guarantee
P31.R1.C11 P31.R1 Bank Guarantee
P31.R1.C12 P31.R1 Bank Guarantee
P31.R1.C13 P31.R1 Bank Guarantee
P31.R1.C14 P31.R1 Bank Guarantee
P32.R1.C1 P32.R1 Export Bills (Negotiation)
P32.R1.C2 P32.R1 Export Bills (Negotiation)
P32.R1.C3 P32.R1 Export Bills (Negotiation)
P32.R1.C4 P32.R1 Export Bills (Negotiation)
P32.R1.C5 P32.R1 Export Bills (Negotiation)
P32.R1.C6 P32.R1 Export Bills (Negotiation)
P32.R1.C7 P32.R1 Export Bills (Negotiation)
P32.R1.C8 P32.R1 Export Bills (Negotiation)
P32.R1.C9 P32.R1 Export Bills (Negotiation)
P32.R1.C10 P32.R1 Export Bills (Negotiation)
P32.R1.C11 P32.R1 Export Bills (Negotiation)
P32.R1.C12 P32.R1 Export Bills (Negotiation)
P32.R1.C13 P32.R1 Export Bills (Negotiation)
P32.R1.C14 P32.R1 Export Bills (Negotiation)
P32.R1.C15 P32.R1 Export Bills (Negotiation)
P32.R1.C16 P32.R1 Export Bills (Negotiation)
P32.R1.C17 P32.R1 Export Bills (Negotiation)
P32.R1.C18 P32.R1 Export Bills (Negotiation)
P32.R1.C19 P32.R1 Export Bills (Negotiation)
P32.R1.C20 P32.R1 Export Bills (Negotiation)
P32.R1.C21 P32.R1 Export Bills (Negotiation)
P32.R1.C22 P32.R1 Export Bills (Negotiation)
P32.R1.C23 P32.R1 Export Bills (Negotiation)
P32.R1.C24 P32.R1 Export Bills (Negotiation)
P32.R1.C25 P32.R1 Export Bills (Negotiation)
P32.R1.C26 P32.R1 Export Bills (Negotiation)
P32.R1.C27 P32.R1 Export Bills (Negotiation)
P32.R1.C28 P32.R1 Export Bills (Negotiation)
P32.R1.C29 P32.R1 Export Bills (Negotiation)
P32.R1.C30 P32.R1 Export Bills (Negotiation)
P32.R1.C31 P32.R1 Export Bills (Negotiation)
P32.R1.C32 P32.R1 Export Bills (Negotiation)
P32.R1.C33 P32.R1 Export Bills (Negotiation)
P32.R1.C34 P32.R1 Export Bills (Negotiation)
P32.R1.C35 P32.R1 Export Bills (Negotiation)
P33.R1.C1 P33.R1 Export Collection
P33.R1.C2 P33.R1 Export Collection
P33.R1.C3 P33.R1 Export Collection
P33.R1.C4 P33.R1 Export Collection
P33.R1.C5 P33.R1 Export Collection
P33.R1.C6 P33.R1 Export Collection
P33.R1.C7 P33.R1 Export Collection
P33.R1.C8 P33.R1 Export Collection
P33.R1.C9 P33.R1 Export Collection
P33.R1.C10 P33.R1 Export Collection
P33.R1.C11 P33.R1 Export Collection
P33.R1.C12 P33.R1 Export Collection
P33.R1.C13 P33.R1 Export Collection
P33.R1.C14 P33.R1 Export Collection
P33.R1.C15 P33.R1 Export Collection
P34.R1.C1 P34.R1 Advance Payment Export
P34.R1.C2 P34.R1 Advance Payment Export
P34.R1.C3 P34.R1 Advance Payment Export
P34.R1.C4 P34.R1 Advance Payment Export
P34.R1.C5 P34.R1 Advance Payment Export
P34.R1.C6 P34.R1 Advance Payment Export
P34.R1.C7 P34.R1 Advance Payment Export
P34.R1.C8 P34.R1 Advance Payment Export
P34.R1.C9 P34.R1 Advance Payment Export
P34.R1.C10 P34.R1 Advance Payment Export
P34.R1.C11 P34.R1 Advance Payment Export
P34.R1.C12 P34.R1 Advance Payment Export
P34.R1.C13 P34.R1 Advance Payment Export
P34.R1.C14 P34.R1 Advance Payment Export
P34.R1.C15 P34.R1 Advance Payment Export
P34.R1.C16 P34.R1 Advance Payment Export
P34.R1.C17 P34.R1 Advance Payment Export
P34.R1.C18 P34.R1 Advance Payment Export
P34.R1.C19 P34.R1 Advance Payment Export
P34.R1.C20 P34.R1 Advance Payment Export
P34.R1.C21 P34.R1 Advance Payment Export
P34.R1.C22 P34.R1 Advance Payment Export
P34.R1.C23 P34.R1 Advance Payment Export
P34.R1.C24 P34.R1 Advance Payment Export
P34.R1.C25 P34.R1 Advance Payment Export
P35.R1.C1 P35.R1 Forward Contracts
P35.R1.C2 P35.R1 Forward Contracts
P35.R1.C3 P35.R1 Forward Contracts
P35.R1.C4 P35.R1 Forward Contracts
P35.R1.C5 P35.R1 Forward Contracts
P35.R1.C6 P35.R1 Forward Contracts
P35.R1.C7 P35.R1 Forward Contracts
P35.R1.C8 P35.R1 Forward Contracts
P35.R1.C9 P35.R1 Forward Contracts
P35.R1.C10 P35.R1 Forward Contracts
P35.R1.C11 P35.R1 Forward Contracts
P35.R1.C12 P35.R1 Forward Contracts
P35.R1.C13 P35.R1 Forward Contracts
P35.R1.C14 P35.R1 Forward Contracts
P37.R1.C1 P37.R1 Monthly Balancing
P37.R1.C2 P37.R1 Monthly Balancing
P37.R1.C3 P37.R1 Monthly Balancing
P37.R1.C4 P37.R1 Monthly Balancing
P37.R1.C5 P37.R1 Monthly Balancing
P37.R1.C6 P37.R1 Monthly Balancing
P38.R1.C1 P38.R1 Research & Development
P38.R1.C2 P38.R1 Research & Development
P38.R1.C3 P38.R1 Research & Development
P38.R1.C4 P38.R1 Research & Development
P38.R1.C5 P38.R1 Research & Development
P39.R1.C1 P39.R1 Withholding Tax on Export & EDS
P39.R1.C2 P39.R1 Withholding Tax on Export & EDS
P39.R1.C3 P39.R1 Withholding Tax on Export & EDS
P39.R1.C4 P39.R1 Withholding Tax on Export & EDS
P40.R1.C1 P40.R1 General Record Keeping
P40.R1.C2 P40.R1 General Record Keeping
P40.R1.C3 P40.R1 General Record Keeping
P40.R1.C4 P40.R1 General Record Keeping
P40.R1.C5 P40.R1 General Record Keeping
P40.R1.C6 P40.R1 General Record Keeping
P40.R1.C7 P40.R1 General Record Keeping
P40.R1.C8 P40.R1 General Record Keeping
P40.R1.C9 P40.R1 General Record Keeping
P41.R1.C1 P41.R1 Trade Base Money Laundering
P41.R1.C2 P41.R1 Trade Base Money Laundering
P41.R1.C3 P41.R1 Trade Base Money Laundering
P41.R1.C4 P41.R1 Trade Base Money Laundering
P41.R1.C5 P41.R1 Trade Base Money Laundering
P41.R1.C6 P41.R1 Trade Base Money Laundering
P41.R1.C7 P41.R1 Trade Base Money Laundering
P41.R1.C8 P41.R1 Trade Base Money Laundering
P41.R1.C9 P41.R1 Trade Base Money Laundering
P41.R1.C10 P41.R1 Trade Base Money Laundering
P41.R1.C11 P41.R1 Trade Base Money Laundering
P41.R1.C12 P41.R1 Trade Base Money Laundering
P41.R1.C13 P41.R1 Trade Base Money Laundering
P41.R1.C14 P41.R1 Trade Base Money Laundering
P41.R1.C15 P41.R1 Trade Base Money Laundering
P41.R1.C16 P41.R1 Trade Base Money Laundering
P41.R1.C17 P41.R1 Trade Base Money Laundering
P41.R1.C18 P41.R1 Trade Base Money Laundering
P41.R1.C19 P41.R1 Trade Base Money Laundering
P41.R1.C20 P41.R1 Trade Base Money Laundering
P41.R1.C21 P41.R1 Trade Base Money Laundering
P41.R1.C22 P41.R1 Trade Base Money Laundering
P41.R1.C23 P41.R1 Trade Base Money Laundering
P41.R1.C24 P41.R1 Trade Base Money Laundering
P41.R1.C25 P41.R1 Trade Base Money Laundering
P41.R1.C26 P41.R1 Trade Base Money Laundering
P41.R1.C27 P41.R1 Trade Base Money Laundering
P41.R1.C28 P41.R1 Trade Base Money Laundering
P41.R1.C29 P41.R1 Trade Base Money Laundering
P41.R1.C30 P41.R1 Trade Base Money Laundering
P41.R1.C31 P41.R1 Trade Base Money Laundering
P41.R1.C32 P41.R1 Trade Base Money Laundering
P41.R1.C33 P41.R1 Trade Base Money Laundering
P41.R1.C34 P41.R1 Trade Base Money Laundering
P41.R1.C35 P41.R1 Trade Base Money Laundering
P42.R1.C1 P42.R1 Proliferation Financing
P42.R1.C2 P42.R1 Proliferation Financing
P42.R1.C3 P42.R1 Proliferation Financing
P42.R1.C4 P42.R1 Proliferation Financing
P42.R1.C5 P42.R1 Proliferation Financing
P42.R1.C6 P42.R1 Proliferation Financing
P42.R1.C7 P42.R1 Proliferation Financing
P42.R1.C8 P42.R1 Proliferation Financing
P42.R1.C9 P42.R1 Proliferation Financing
P42.R1.C10 P42.R1 Proliferation Financing
P42.R1.C11 P42.R1 Proliferation Financing
P42.R1.C12 P42.R1 Proliferation Financing
P42.R1.C13 P42.R1 Proliferation Financing
P42.R1.C14 P42.R1 Proliferation Financing
P42.R1.C15 P42.R1 Proliferation Financing
P42.R1.C16 P42.R1 Proliferation Financing
P42.R1.C17 P42.R1 Proliferation Financing
P42.R1.C18 P42.R1 Proliferation Financing
P42.R1.C19 P42.R1 Proliferation Financing
P42.R1.C20 P42.R1 Proliferation Financing
Risk Name
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Breach of banks’ policies or regulatory guidelines
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Theft, loss or misappropriation of valuable items or c
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Theft, loss or misappropriation of valuable items.
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Un-settled entries for more than 30 days.
Un-settled entries for more than 30 days.
Un-settled entries for more than 30 days.
Un-settled entries for more than 30 days.
Un-settled entries for more than 30 days.
Un-settled entries for more than 30 days.
Un-settled entries for more than 30 days.
Un-settled entries for more than 30 days.
Fictitious entries could be booked in suspense/ sundr
Fictitious entries could be booked in suspense/ sundr
Fictitious entries could be booked in suspense/ sundr
Fictitious entries could be booked in suspense/ sundr
Fictitious entries could be booked in suspense/ sundr
Fictitious entries could be booked in suspense/ sundr
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Breach of banks’ policies or regulatory guidelines.
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Disruption of the business.
Disruption of the business.
Disruption of the business.
Incorrect decision making
Inadequate management monitoring.
Inadequate management monitoring.
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items or a
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Accounts are opened for fraudulent purposes/Accounts
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Unauthorised or fraudulent amendments made to custo
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Customer instructions or complaints not processed or
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items, .Ina
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Theft, loss or misappropriation of valuable items or ca
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Unauthorised parties may obtain access to IT systems,
Incorrect decision making
Inadequate management monitoring.
Inadequate management monitoring.
Inadequate management monitoring.
Inadequate management monitoring.
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Inaccurate, incomplete or fraudulent transactions are
Un-settled entries for more than 30 days attract pena
Un-settled entries for more than 30 days attract pena
Un-settled entries for more than 30 days attract pena
Un-settled entries for more than 30 days attract pena
Un-settled entries for more than 30 days attract pena
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Inaccurate incomplete or fraudulent transactions are
Regulation / Reputation risk
Regulation / Reputation risk
Regulation / Reputation risk
Regulation / Reputation risk
Regulation / Reputation risk
Regulation / Reputation risk
Regulation / Reputation risk
Regulation / Reputation risk
Regulation / Reputation risk
Regulation / Reputation risk
Regulation / Reputation risk
Regulation / Reputation risk
Regulation / Reputation risk
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
The responsibilities and ownership of activities may be
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Improper follow-up for repayment may expose the bank t
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Financial, customer and reputational risk due to impro
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Processing incomplete, incorrect or untimely execution
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Undesired/ inappropriate relationships established due
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Loan disbursement without complete documentation expo
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Processing of incomplete, incorrect or untimely execut
Reporting risk (incorrect / incomplete postings in gen
Reporting risk (incorrect / incomplete postings in gen
Reporting risk (incorrect / incomplete postings in gen
Reporting risk (incorrect / incomplete postings in gen
Reporting risk (incorrect / incomplete postings in gen
Reporting risk (incorrect / incomplete postings in gen
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Critical documents like: AWB/BL, accepted drafts, LC
Critical documents like: AWB/BL, accepted drafts, LC
Critical documents like: AWB/BL, accepted drafts, LC
Critical documents like: AWB/BL, accepted drafts, LC
Critical documents like: AWB/BL, accepted drafts, LC
Critical documents like: AWB/BL, accepted drafts, LC
Critical documents like: AWB/BL, accepted drafts, LC
Critical documents like: AWB/BL, accepted drafts, LC
Critical documents like: AWB/BL, accepted drafts, LC
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Breach of regulatory requirements and directives relat
Enter Control Name
KYC
Check branch carried out (EDD) enhanced due diligence process of increased
risk customers as mentioned in CAAML Procedure and AML & CFT regulations
Are CAAML and AML & CFT regulations followed by the branch for opening of
accounts?
Are necessary approvals for increased risk customer & PEP as described in
Retail Banking policy obtained?
Does branch carry out proper due diligence process of existing customers as
mentioned in AML/CFT intial Regulations.
Does the staff reassess the risk of the client on a regular basis, at least once in a
1 year for increased risk/PEP, once in 3 years for neutral and once in 5 years for
predefined neutral risk
Check transactional volume, amount matches as documented in KYC form. In
case of deposit of large amount "sources of funds" and documentary evidence of
the same are documented / obtained from customer.
Check that risk classification of accounts are as per CAAML policy.
Are the exchange company accounts categorized as “Increased Risk” due to its
nature and for purpose of review and monitoring?
Are the branches closely monitoring all activities of exchange company
relationships to detect unusual and suspicious transactions?
Ensure that third party mandate in respect of any account should not be given to
staff.
Ensure that Interview of customer with BSM is done only when the BM is on
authorized leave.
Check EDR conducted in case of transactions in student, house wife and
salaried category accounts if not compatible with KYC profile of the customers.
Check copy of Account opening form and terms & conditions are handed over to
customer at the time of opening of accounts & acknowledgement to this effect is
held in branch record.(BPD Circular No 23 of 2003)
Check individual accounts opened for business purpose must clearly specify the
purpose & complete details of transactions in KYC.
Test that key features of the Customer Relationship Forms (CRFs) are shared
with customers in Urdu language at the time of opening of the accounts. Refer
(BPRD Circular No. 07 of 2011)
Check Initial deposit receipt is issued with ‘Disclaimer’ that account shall be
opened after completing necessary due diligence including NADRA verification
through verisys or bio-metric technology.
Check CAPSs / Siebel IDs are given to staffs in branch
Ensure that RM is capturing the CRF data in siebel / CAPs before cutoff time
Check that RM or designated officer get the thumb/finger impression of potential
customer through bio metric device linked with NADRA and all existing
customers verified through biometric.
Ensure that after positive verification through bio metric, RM generates account
number. System (CBS) should auto block the accounts for all debit transactions.
Check documents such as passport, copy allien registration cards etc. are obtain
where identity of the customers is not done through bio metric.
Check Biometric verification is done for authorized signatories where customer is
a legal person (BO) who acts on behalf of the customer, where bio-metric is not
working and proper reason/ proof is recorded/ retained by the branch. Further
Bio Metrics is also required for Mandate and signatory addition in existing
account
RM/RO enter preliminary data only and generate “Tentative Account Number
(TAN)”after system validation.
Check TAN handed over to potential customer by issuing welcome letter as per
Annexure 'A' along with the copy of CRF with general terms and conditions (Urdu
terms & conditions available separately). The receipt acknowledgement of same
is obtained on CRF and welcome letter.
Check branch RM maintains a list/MIS of all such customers' accounts / where
the business relationship needed to be closed in case of negative
verification/negative NADARA verification. Monthly MIS must be signed by BM &
will keep in branch record even if NIL.
Check Individual, Joint and Sole proprietor accounts are opened through CAPS
and other entity accounts through Siebel.
Check the data is captured on CAPS and all the documents are scanned and
validated through account maintenance unit AMU.
Ensure that Asaan Account and BBA accounts are opened with initial deposit
minimum of Rs 100/- & 1000/- respectively
Check does branch follow and complete the review of Top 100 depositors, laid
down under SBP AML/CFT Regulations issued vide BPRD Circular No. AML-
01/2014-2001 dated February 06, 2014
In order to provide visually impaired/ blind persons with equitable access to
banking & financial services, branch should have related stationary,
forms/documents etc. in Braille script. (CPD Circular No. 6 of 2014)
Are next review dates of increased, neutral and pre-defined neutral risk accounts
are correctly fed in the system?
Monthly Turnover Monitoring Report – PDN/Neutral/IR & PEP:
Ensure that Event Driven Review (EDR) of all accounts appearing in "Monthly
Turnover Monitoring Report-PDN/Neutral/IR & PEP is done by the branch before
the end of the following month to reclassify them at least as “Neutral” or
otherwise IR or PEP as per the account activity vis-a-vis customer profile and
maintain separate file after updating their comments thereon.
Does branch staff maintain MIS in separate files of IR, Neutral and PDN risk
accounts having monthly turnover of Rs.2M and above?
Does branch staff generate and review "Personal Account used for Business
Purposes report" on Monthly basis?
Does the branch staff extract the report of KYC Exception Monitoring report and
Event Driven Reviews of accounts is done accordingly.
Does the branch staff extract the report of overdue and Near Due Periodic and
Event Driven Reviews of their own branch for conducting timely reviews of the
accounts
Check individual accounts where, average quarterly credit turnover exceeded
threshold limit of Rs.25M, separate account for business transactions is opened?
Check that expected monthly debit/credit turnover in account is captured in
system
Check BM checks and reconciles copy of CPF with account opening data on bi-
annually (Jan & July) and evidence of the same is kept in branch record
Check accounts having predefined neutral risk classification and exceeding
turnover of Rs.2M are subjected to Event Driven Review (EDR)
Does staff conduct the physical verification of the accounts pertaining to
proprietorships and self-employed individual / professionals in order to verify
physical existence of business
Check branch staff maintains data of accounts closed during each preceding
year
Check monthly turnover in Assan Accounts remains within the defined threshold
of Rs 500,000
Check non-resident accounts are opened after proper due diligence in Increase
risk category.
Check branch staff extracts the daily activity report of Rs0.5M & above for
checking of unusual/ suspicious transactions in customer accounts and write
their remarks with signatures on such report by the RM/BM on the report as an
evidence of their review.
Check nature/classification of business/profession is specifically obtained and
recorded on CRF and system.
Check branch does not retain other documents of account opening other then
CPF.
Dormant Accounts
Check reactivations rights of dormant account in system are restricted to
authorized staff only.
Check status of dormant to activeaccount is changed after completion of all
formalities as specified in para 7 a of M-1 prudential regulation.
Ensure that reactivation of account is done only upon receipt of written request
from the customer & requires his/her physical presence at any FBL Branch
Nationwide.
Ensure that customer signatures are verified on customer activation request with
the speciment available in bank record.
In cases, where customer could not visit the branch for dormant activation due to
some reason, branch RM/BM may visit customer place and identify the customer
through original CNIC and bio metric verification accordingly. For customers
living abroad, in order to activate, customer shall sign activation request and get
the request and CNIC/NICOP/Passport copy verified from Pakistani Consulate/
embassy and courier the same to parent branch for signature verification.
Customer on request may inform of any upcoming transaction in the account.
Ensure that Bio Metrics is also required for dormant activation cases of
individual/joint account.
Ensure that in case Biometric is not done due to following reasons then BSM
seeks approvals from RGM and ROM after due verification:-
a. NADRA system/data/connectivity or technical issue beyond a reasonable time.
b. NADRA does not have biometric records of prospective customers
c. Customers whose eligible identity documents are other than biometrically
verifiable documents, e.g. Passport, Alien Registration Card, etc.
d. Customer’s permanent physical disability, e.g. limbs disability, uneven texture/
erased / unclear fingerprints, etc.
Ensure that at the time of activation of Dormant account BM/ RM/RO should
ensure that Event Driven Review is conducted through updating in KYC
application system and copy of the key value attached with the activation form as
evidence to done the same.
Ensure that the account holder must bring original valid CNIC, copy of which is
marked original seen under the name, initial, date etc.
Check statement of account for the period starting from the date the account was
marked dormant till activation is printed & handed over against proper
acknowledgement /couriered to customers ( in case of company accounts)
In case activation of a Company account dormant account request is received on
Company's letter head signed by authorized Person.
Check in case of company account the branch BSM /SBSO obtains call back
confirmation as per bank process and signs on the dormant activation request
prior to activation.
Ensure that dormant activation report/Account Status Change report is
generated and signed by two officers (one should be either from BSM/SBSO)
and attached with activation request.
Check Review of all Dormant Accounts on annual (January) basis is conducted
by the Branch Service Manager through ‘dormant accounts report’. Evidence of
having done so should be maintained for record purpose.
Check that duplicate statement of account for dormancy period should be
delivered to the customer without charges as required by BPRD Circular No. 2
dated January 05, 2010.
Ensure that Service charges (monthly charge for not maintaining minimum
balance) should not be recovered from dormant accounts. Further generation of
Statement of Account should also be stopped.
Ensure where dormant account is activated via other than parent branch.
Processing branch should send the scan copies of all relevant documents
obtained at the time of activation to parent branch for their record.
Check that proceeds of inward foreign remittances or cheque is deposited in
dormant account without changing the dormant status ?
Life Certificate & No-Marriage Certificate
Ensure that certificates received from pensioners would be valid for six months
from the date of issuance and copy must be kept securely in a box file account
number wise as a permanent record in the custody of Branch Service Manager.
All certificates relating to each pensioner should be clipped together. Respective
BSM would be responsible to submit endorsed copy of valid life / non- marriage
certificates obtained from pensioners to AMU for their record. In case of
personnel presence, the BM / RM may personally verify the pensioner's
existence.
Letters to Customers
Ensure that upon receiving the expiry report / Expiry Certificate MIS from CPU,
branches send letters to their respective customers (as per Annexure) asking
them to submit the Life Certificate or No-Marriage Certificate on timely basis.
Branches will conduct follow ups on weekly basis.
Intimating Pension Authority
To ensure that the branch intimates the pension authority through a letter if it fails
to receive Life Certificate or No-Marriage Certificate for a customer, copy of
which will be maintained in customer’s account opening file.
Dormancy
Check in case of certificate of pensioner expired and not received after 6 months
or if the pensioner fails to draw pension for consecutive 6 months to enable
account officer to stop pension payment and branch intimate the same to the
pension authority through a letter as required.
Ensure that after six months if no transactions in the account is carried out the
account will be marked dormant and customer will be sent a letter stating the
same and no debit transaction would be allowed till the pensioner personally
approaches the branch and presents the dormant activation request. Further,
pension will be ceased to be credited to the pensioner's account.
Deceased Pensioner’s Accounts
Upon receipt of notification from account Office or from any other reliable source
the branch automatically block the transaction in Pensioner’s account. Funds
will only be released upon receipt of succession certificate / instruction received
from accounts office.
Check in case of death of the pensioner the same is reported to the concerned
authority
Check in case of Family pension, the pensioner’s account will be closed and a
new pensioner’s account will be opened for wife / successor of the deceased
after receiving required instructions from Accounts Office. All other formalities of
opening pensioner’s accounts will be observed.
Surrender of Undrawn Pension
Does the respective ROM ensure that branches have surrendered undrawn
pension by debiting to pensioner account(s) for consecutive six months or over
to respective AGPR regional offices through pay order along with covering letter
& detailed statement. It is clearly mentioned that funds to be onward credited into
“Major Object C02 Receipts from Civil Administration and other functions.
Ensure that receiving copy of submitted letter would be retained in record for
ready reference. Beneficiary name would be mentioned on instrument as “AGPR
Sub Office i.e. (name of office from pension funds were received). The frequency
of this exercise is on monthly basis. ROMs are also advised to keep receiving
copies of letters submitted to their respective AGPR offices as evidence.
Branches are instructed not to activate such accounts through override /
password instead liaise with AMU for activation.
Check whether branch allowed the debit transactions in case of expired
certificate
Check automated system is used for crediting accounts of pensineers of other
branches of the same bank.
Check pensioners should be advised through notice boards/websites, etc. to
lodge their complaints at BC & CPD helpdesk of SBP or at phone number (021)
111-727-273 (021) 32453555
Check a list of those pensioners is provided to respective account officers who
fail to submit, life certificate in case of self pensioner and non marriage certificate
of unmarried daughter/sister/widower/widow, biannually in April and October
every year (BC&CPD Circular Letter No 03 dated 18-05-2017)
Check respective main branches will extract a report from system latest by 3rd
working day of each month which will be reflect the date when pension was
credited by the branch/CPU in the pensioner’s account held at own and other
branches.
The report to be sent to the concerned Govt. Department by courier latest by 5th
of each month and copy of signed report and record of dispatch should be
maintained as evidence?
Are the Main branches regularly contact with concerned officials of the Govt.
Dept. for prompt resolution of any issues and send monthly statement to AGPR
office for reconciliation of Pension disbursements?
CNIC Expiry Follow-Ups
Check upon receipt of MIS (Excel) from AMU of all expired CNIC/NICOPs the
Branch Manager/ Branch Service Manager or staff designated by BM will
conduct the annual review in January for follow-ups & update of expired
CNIC/NICOPs through their personal contact numbers / upon branch visit for
obtaining of valid CNIC/NICOP. Evidence of follow-ups & update should be
maintained in shape of MIS (Excel) for record purpose.
Check branch makes efforts to obtain updated CNIC on the basis of list of
expired CNICs received on monthly basis from AMU.
Are dormant Special Convertible Rupee Accounts (SCRAs) reactivated upon
receipt of authenticated instructions from the concerned FPI/account holder ?
(BPRD Circular Letter No. 07 of 2014)
Accounts Closure due to Nil Balance
Check at the first week of each month, branches extract the report of Negative
balance available in SYMBOL system “Account with Negative Balances ” for all
accounts to identify those accounts which are having zero balances &
inoperative for the last three months.
Check a written notice is served (Annexure 4.1-T) to the above account holders
excluding those which are falling in above criteria highlighting the need of deposit
in the account as per the current minimum balance requirement for saving &
current accounts.
Check in the said notice it is to be clearly mentioned that in the event of his/her
failure to revive the relationship within the time allowed (15 days), the Bank will
close the account.
Negative Balances
Check what efforts are made by branch for recovery of negative balances on the
basis of report received during the first week of each month.
Account Closing
Check before account closures accrued profit on Saving accounts are passed-on
to the customer. For this test, review deposit settlement account.
Obtain system's generated account Closure register & verify any uncollected
charges yet not written off from bank books after account marked Closed in
system.
To check account closing request be timely sent to CPU for account closure in
system
Minor Accounts
Ensure that the minor account holders age is recorded in a separate register
Ensure that minor accounts are exempted from Zakat?
Are the guardians still operating the account even though respective minors have
attained the age of maturity? This account should be “CLOSED” and a new
account to be opened in his/her name and all fresh required documentation as
per the account opening procedure to be obtained
The branch / CPU send the letter to the guardian that minor will attain the age of
majority in one month. If the formalities are not completed, Are the account
blocked after six months from the minor attain his age of majority
Check that cheque books are issued to the guardian on minor and guardian’s
names jointly?
Check that the account closing form jointly signed by the minor who attained
majority with the guardian.
Check in case the minor who attained the age of majority does not want to
continue the relationship with the bank, then funds shall only be released on joint
signature of guardian and the minor upon proper identification. In case of PO
issuance, PO will be issued in favor of the Minor who has turned Major.
To check that minor date of birth is captured in the system, and client of the
minor is also opened in system.
Check the accounts opened with other then father or mother court order is obtain
for guardian .
Ensure that if minor account is opened with both father & mother, then the mode
of operation of A/c would be jointly by parents.
Zakat Exemption
Check CZ-50 should be machine time stamped at the time of receiving and the
copy of the same should be delivered to customer duly acknowledged by BSM or
his/her backup under his /her full signature.
Check that CZ-50 accepted from sole proprietor and individual customers only.
Check that CZ-50 accepted from existing clients before 1st of Shaban.
Check if branch has accepted fresh CZ-50 during the period of 1st Shaban till
30th Shaban from those customers whose accounts have been opened during
this period and forwarded to branch operation for onward submission to AMU.
Check branch BSM or his/her backup must retain a copy of CZ -50 in branch
record and original forwarded to AMU through IOM for their necessary updating
in system.
Check branch BSM or his/her backup performs signature verification on CZ- 50
against bank’s record.
Student / Widow / Pensioner / Salary account of Govt. Employees
Check that charges not recovered for non-maintenance of account balance from
customer accounts opened in student, widow and pension and salary accounts
of Government employees categories?
Check the branch staff conducted the periodic review of students accounts and
in case of their student IDs expired status of the accounts should be changed
Mail Returned Undelivered / Whereabouts Unknown
Check every incoming mail/return mail must be entered into incoming mail
register and acknowledge the delivery to the concern also be recorded.
Check upon receipt of undelivered statements of accounts from GSD/ Courier,
branch scrutinized/identified the reasons of undelivered statements and arranged
to deliver to customer against acknowledgement.
Check that if any mail is returned undelivered the status of account is updated to
"Whereabouts Unknown".
Check that accounts flagged with whereabouts unknown restraint in the system,
follow up process initiated by the branch to contact the customers for updating
their addresses
Check that branches extract "Restraint Report/Return Mail report‟ deployed over
Knowledge Manager on daily basis to monitor the accounts marked as
WAU/return mail.
Check that WAU restraint is removed only upon receipt of customer's written
request for address change (in case of jointly operated account, the request
must be signed by all account holders). Customer's signature must be verified
against those on record & notification to this effect will be provided by stamping
& signing the request.
Check branch maintains MIS for item-wise recording of undelivered statements
received from GSD and their subsequent dispatch or hand delivery to the
customers.
Restraint Report
Check that branch extracts the restraint report on monthly basis to monitor the
accounts marked under different types of restraint for regularization.
Initial Public Offer ( IPO / Share Applications).
Check that multiple application for subscription of shares lodged from one
account with different names
Zero Balance Accounts
Check that process for monitoring of zero balance accounts is followed by the
branch
Client Exit
Branches may also initiate the account closing on their own under following
circumstances. Closure notice on prescribed format must be served to respective
account holder 30 days prior:
1) Cheques pertaining to the account are frequently returned unpaid
2) Frequent requests of stop payment are received.
3) KYC/AML/CFT concerns that may have arisen during account / transaction
monitoring process.
4) Minimum balance as required under Bank’s policy is not maintained.
Vault Operations
Check on 1st day of branch surprise visit that cash vault was opened before
8:45 AM and cash counters were ready at 9:00 AM for customer services.
Check branch opening timing recorded in branch opening & closing register
Check both custodians jointly access the vault.
Check that designated BSO & Branch Service Manager/SBSO make necessary
entries in Vault Access Register to record timing of Vault access i.e. time in/ out&
also record withdrawal and deposit of cash (denomination wise) in vault cash
register and affix their signature jointly and then Jointly re-lock safe and strong
room.
Review CCTV Camera & verify designated custodians jointly open / re-lock the
safe and strong room.
Observe staff does not use their cell phones during working hours within counter
Observe Vault keys are kept locked within custody of designated staff at all
times.
Check cash vault custodians and back-ups are as per approved policy.
Check cuttings on cash register were authenticated by senior custodians by
affixing initials/signatures
Cash from Vault & transfer to BSOs
Check BSM/SBSO transfer the physical cash to individual BSOs against their
request through system and authorize the same in accordance with the cash
assigned physically to each BSO (s).
Depositing Cash in Vault
Are the designated BSO and Branch Service Manager/or his/her backup jointly
access the vault for depositing cash in vault/safe.
Inter-City Transportation of Excess Cash
Check that inter-city cash shipments approved from respective Regional
Manager/General Manager& Regional Operations Manager and copy to Head
Opertions
Ensure that cash packed and verified by both custodians in front of CCTV
Check that cash custodians ascertain the genuineness of the security guard’s
signatures and photo identity from the list of Security Company authorized
employees as per the bank’s record.
Are the shipments recorded in vault cash register accordingly?
Transportation of Cash - Where No Arrangement Exists with Security Company
Check that the Branch Service Manager / BSO ensure that no single movement
of cash exceeds Rs. 5.0 M (or as prescribed and insured under Bankers Blanket
Insurance Policy). This should be done in the care of two bank employees
(excluding contractual staff).
For sending FCY cash to Islamic branches, branches operating on symbols used
the relevant Nostros accounts for settlement by adopting the procedure of cash
shipment for other banks along with MT 202. Annexure 4.5.K will be referred for
procedural details.
Transportation of Cash to Main Branch From SBP/NBP (Cash Withdrawal) -
Where Arrangements with a Security Company are in Place.
Check Branch Service Manager or Branch services officer of respective main
branch make SBP/NBP cheque for cash withdrawal after proper reporting to
Treasury & get it signed by the authorized signatories registered with SBP/NBP.
Check staff of Security Company receives the consignment, one person signs
on the receipt while, the second person signs as witness to the signature. The
genuineness of the security guard’s signatures and photo identity must be
ascertained from the list of Security Company’s authorized employees as per the
bank’s record.
To ensure that branch maintaining SBP/NBP accounts reconcile the same on
daily basis
Transportation of Cash from Main Branch to SBP/NBP (Cash Deposit)
To check that SBP/NBP cash deposit letter is prepared highlighting the
denomination and type of cash (soiled / sorted etc.) to be surrendered &
submitted to SBP/NBP’s respective office. Date & time allowed by SBP/NBP for
deposit will be noted.
Ensure that cash contained in sealed bag handed over to respective security
company against proper acknowledgment on shipment order?
Check that one of the staff must reach to respective SBP/NBP office to receive
the shipment from Security Company against proper acknowledgment.
Check that designated Officer while leaving the SBP/NBP’s counter must ensure
that copy of deposit slip is obtained from SBP/NBP.
From Main/Standalone Branch to Other Peer Bank (Cash Deposit)
Check cash deposit letter/deposit slip (notation “for onward credit to our a/c #
_____________ maintained with SBP’ should be mentioned on deposit letter
where we are not maintaining relationship with peer bank) will be prepared
highlighting the denomination and type of cash (soiled / sorted etc.) to be
surrendered & submitted to respective branch.
Cash Deposit / Withdrawals b/w Main Branch & Other Branches in the City
Check that Branch Service Manager or in his/her absence Branch Manager
send request through email clearly specifying the total amount and agreeing to
its break-up in terms of denominations.
Check that cash notes sent in the form of packets or bundles with binding duly
signed and stamped by the BSO. The “sorted” stamp must appear on each
packet of old notes. In case of new packet branch stamp should be affixed.
Maintenance of data/record of transactions routed through foreign currency
accounts of individuals/entities
Branches in the City
Are respective ROMs arrange to send above MIS on monthly basis on the SBP
prescribed format separately and share / send the same on or 5th working day of
each month to the designated officer at head office for compilation and record
keeping.
Handing over and taking over of keys
Check that staff taking over the responsibility of key custodianship ensures the
following before signing off the key register. Both the custodians must sign the
Checklist and file for audit purpose (Annexure 4.12-A).
*Traveler cheques (if any) are balanced as per books and physically verified
* Physical cash in cash vault matches with the cash register and Ledger.
* National Prize bonds and Govt. Securities are properly recorded in register and
physically verified. Amount / Value to be cross checked with ledger (Except IBB
Branches).
* Items kept in safe custody (by other departments) are recorded and accounted
for.
*Any unclaimed item present in the vault is recorded in the book
Check cash is balanced with the sheet prepared by the each BSO and counter
signed by the vault custodian (BSO).
Check at day end cash closing balance positions are maintained as per format
prescribed by SBP. Refer (SBP Let. No. Cy.1087/336-2003 dated 28.05.03)
Check each/ sorted packet of currency notes is stamped “SORTED” with clear
identification of bank/branch and date of sorting and branch stamp affixed in
case of new packets.
Check cash counting machine / sorting machine are available in the branch.
Verify branch maintains record of fresh currency notes issued to the general
public on the prescribed format.
Check as a matter of practice branch is maintaining minimum One day’s fresh /
re-issuable cash in vault in accordance with the average daily cash payment
requirements except of the branches which are exempted from this condition
In case of Cash Cell, check branch collects monthly statement from all branches
showing distribution of fresh currency notes to customers for onward submission
to SBP.
Check packets of all denominations should not be stapled
Check entrance of cash area only allowed to unauthorized persons.
Observe if the teller leaves his working area temporarily during working hours,
he/she locks cash and valuables under his possession.
Review deposit settlement account to verify that BSM passed entries in the
system as well while distributing physical cash to teller.
Verify BSM /SBSO change combination password of Fire Proof Cabinets and
cash safes within six months. Also verify in case of resignation/transfer of
authorized person combinations are immediately changed.
While physical count check branch is maintaining sufficient stock of coins of Rs
1, Rs 2, Rs.5/- & Rs 10/- denomination
Check are the sufficient stock of foreign currency was available in branch
Are movements of vault keys and combination codes are recorded properly with
BSM's approval? Is there any cross holding of vault keys noted?
Has staff been provided training to assess the authenticity of cheques. (SBP
CPD circular number 2 dated July 02, 2011).
Are duplicate vault keys and combinations codes maintained in sealed
envelopes duly signed by both key custodians and placed off-site under
intimation to the Area Operations Manger?
Cash Insurance & Transportation
Obtain daily bank position sheets and review cash balances to check insurance
cover obtained, whenever cash balance exceeds branch cash insurance limit.
Is request timely sent to insurance company to obtain over limit cash insurance
coverage?
Is cash always transported through bank's appointed security agency?
Ensure that cash area always remained locked.
Is cash kept with teller as per SBP requirement?
Review cheques paid during working hours to see that is cheque pay out limits
followed by the tellers?
Cash Operations
Ensure/check closing cash balances maintained as per SBP prescribed format?
(SBP Let. No. Cy.1087/336-2003 dated 28.05.03)
Check whether the currency notes bearing slogans of political, religious or
commercial character cease to be legal tender and SBP will not receive or
exchange and refund the value of such currency notes was not displayed non
compliance of SBP notification IDD/1425/2(18) A-2014 of September 2014.
Ensure cash kept in the vault should be marked Sorted and Soiled. Defective
notes are kept separately. (Master Circular No.1 dated March 05, 2004)
Are special persons given/provided out of queue assistance .
Is each/ sorted packet of currency notes stamped “SORTED” with clear
identification of bank/branch and date of sorting and branch stamp affixed in
case of new packet? (Master Circular No.1 dated March 05, 2004)
Ensure that branches with average daily payment of Rs 1.5M and above has
proper sorting arrangement . (Master Circular No.1 dated March 05, 2004)
Ensure that branch is not crediting cash in companies foreign currency accounts.
(FE Manual)
Are soiled category currency notes issued to general public on cash counter in
breach of SBP BSC Circular No Cy /01/03?
Is branch recovering any charges on account of cash handling /sorting at the
time of acceptance of cash at the counters from their depositors? (BPRD circular
No.12 dated Oct 19, 2011);
No service charges shall be charged from the students depositing the amount of
fee directly in the fee collecting account of the educational institutions.
Cash Closing
To check that total cash shown in the summary should be balanced with the
system’s balance appearing in respective BSO’s ID and BSOs transfer the cash
to BSM/head BSO through system as well as physically.
Check that BSM/Head BSO verify the cash physically with the system?
Check that Head BSO/BSO &Branch Service Manager jointly access the vault &
cash is placed in the safe after updating the cash vault register to this effect.
Check that vault balancing carried out physically with the balance appearing in
the vault ID & printout of the same is attached with the branch’s daily cash
position (blotter)
check that cash book signed by the Head BSO/BSO & Branch Service
Manager& kept in the vault overnight. Safe & strong room will jointly be re-
locked.
Cash Differences
To check that Respective Area Operation Manager is informed about the
shortage/overage to the ROM with a copy to GM.
Check that in cases where overage/shortage of cash in excess of Rs. 10,000/-
remains undetected for three days, preliminary report immediately forwarded by
the branch to respective AOM/ROM under advice to respective Head of
Operation on the following day.
Check that respective Regional Operation Manager undertakes specific
investigation within three days to determine the responsibility for the difference.
Ensure that undetected cases of overage/shortage for longer period treated as
per the guidelines mentioned in section 2.2.4 (c) of policy. (Cash Balancing
Guidelines)
Surprise Quarterly Check of Physical Cash by AOM
Check that AOM or staff nominated by ROM conduct quarterly surprise i.e.
physical verification of CPC vault cash. This activity should be evidenced through
signatures on Vault Access Register & Cash Vault register.
CTR Reporting
Check cash transactions (deposits and withdrawals) above Rs 2.0 M or
equivalent in other currencies are reported to AML unit in Compliance function
on the transaction execution day/ same day
Prize Bonds
Take a schedule of prize bond draw, printout of prize bond GL account and
compare/analyze the entries with prize bond register.
Are prize bonds sold/purchased during the shut period?
Check branch prepares vouchers for prize bond transactions?
Are prize bonds physically reconciled with National Prize Bond impersonal
account balance/ ledger and properly recorded in the register?
Check all Prize bond transactions above Rs 2.million & above, reported to
Compliance Function within seven (7) days from the date of transaction (CTR).
Does branch send the national prize bond report at the time of close of business
on the last working day pre-ceding the shut period a region wise consolidated
report to SBP with-in five days of the commencement of shut period. (PBD / U-1-
(A) GA / 6967 / 132 / 2011);
To check that withholding tax is being deducted on prize bond transactions
Utility Bills
Ensure that before accepting payment teller must ensure that the bill is not
tampered in any way.
Ensure that In case of network / system is down due to any reason, the branch
must accept utility bills from the public which shall be processed through the
system later on.
Cheque Handling
Select voucher on sample basis & verify deposit slips are validated through cash
validation printer. In case of non-working of printer the reason of which must be
mentioned on the branch copy and the customer slip must be handed over after
affixing 'CASH RECEIVED STAMP’ duly signed by BSO& BSM/BM/Head BSO
Ensure that transactions of Rs 20M and above will have to be referred to
Regional General Manager and Rs. 50 M & above to respective General
Manager through e-mail for information.
Are the customer signature verified by the authorized officer as per their
assigned limits?
Ensure that cheques paid as per the customers operating instructions of
accounts as per bank record
Customer signature on cheques should be matched with the specimen available
in system/bank record.
Ensure that details of denomination is mentioned on back of the deposit slips
and cheques.
Are all the cheques carefully scrutinized before payment? Cheques of post /
stale, undated and any alteration should not be paid untill authenticated by the
account holder.
Ensure that mutilated cheques should not be accepted for payment without
approval of the Branch Manager / Operation Manager.
Ensure that cash payment against bearer cheques drawn in favor of companies
other than proprietorships is prohibited. Such cheques can only be deposited
and collected into the account of the beneficiary.
To check no Inter Branch FCY Cash deposit/withdrawal is allowed between
Conventional & Islamic Branches on Saturday.
Ensure cash payment against a bearer cheque drawn in favor of a company
other than proprietorship was not made by branch.
Cheques should be analyzed in ultra violet light / IV marker if payment is ≥
100,000/-
The cash against the bearer cheque only released to the bearer by obtaining his
signatures on the back of the cheque.
Check that “Received Cash" stamp date should be same as the date mentioned
on cash deposit slip written by depositor
Check that in case of reversal of transactions source voucher in placed with
mentioning the reason of reversal
Ensure vouchers, debit and credit are signed by the authorized officers as per
limit given in SOP.
Check that thumb impressions obtained on cheques authenticated by branch
BSM / BM through affixing of stamp “thumb impression affixed in my presence”
To check that daily generated report i.e., ‘daily transaction by branch / officer’
checked and signed by the BSM and designated officer of the branch.
Are cash payments over the counter to third parties for Rs. 300,000 & above
made after obtaining copy of identification documents like CNIC, driving license
& employment card etc.? Also ensure teller affix “Transaction Posted” stamp.
Ensure In case of online transaction originator information along with copy of
CNIC should be obtained (regardless of threshold) from occasional customers /
walk-in-customers or where such person is conducting transaction on behalf of
an account holder. But where transaction amount exceeds Rs. 100,000/- the
name and CNIC number shall be captured in system and made accessible along
with transaction details at beneficiary’s branch.
BSM/SBSO shall make a telephonic contact to the drawer on his/her registered
number available on bank’s record to confirm the issuance of bearer cheque as
per defined threshold in Branch Banking SOP. Same practice should be followed
for lesser amount of cheque in case of any doubt. Recorded lines where
available must be used for this purpose.
To check the person confirming the cheque shall record the details with his/her
initials at the back of the instrument. “Confirmed issuance of Cheque by the
drawer over Telephone #……….with (name of customer) of (name of company)
at (time) on (date).
To check calls back on Deposits/Payments/Funds Transfers are made on
Registered Land Line Number and Registered Mobile Number by the processing
branch. No call back will be done post transactions. CBC for remittances will be
sought as per limits defined in SOP. Documents are only being sought where
deemed necessary to meet regulatory requirements (to comply AML CFT
regulations for EDD/ FE Manual) Documents may not be required in case of
BM/RGM satisfaction of the transaction.
Ensure online cash transaction charges are recovered from the customer as per
prevailing SOC.
Are all cheques, where signatures cannot be verified by the BSO referred to the
departmental head for further verification?
Is penalty charged on returned cheques is recovered as per bank schedule of
charges?
Ensure no FCY cash deposit / withdrawal in business including Sole
proprietorship accounts was processed by branch.
Ensure branch has obtained acquisition slip of any FCY cash deposit over
10,000 US $ or equivalent in a single day.
Ensure process of cash deposit and withdrawal with SBP/NBP followed as per
SOP 4.5.6 by main branches.
Is copy of CNIC obtained from occasional customers/ Third Party (walk-in
customers) conducting cash transactions (deposit / withdrawals) above rupees
0.5 million whether carried out in a single operation or in multiple operations that
appear to be linked?
Is originator information obtained along with copy of CNIC while carrying out
online transactions (regardless of threshold) by occasional customers / walk-in-
customers or where such person is conducting transaction on behalf of an
account holder?
Ensure ultraviolet lamps are deployed at the branches. (CPD Circular No. 2 of
2011)
Check cash transactions (deposits and withdrawals) above Rs 2.0 M or
equivalent in other currencies reported to AML unit in Compliance function on the
transaction execution day/ same day
Check daily vouchers are properly sealed?
Are the BSM / BM examine annually, the records retained by the
branch/department in their own premises for ensuring that retention is in
accordance with the period mentioned in retention schedules for different type of
records
Are the daily vouchers kept in fire proof cabinet under dual custody.
Check that BSOs accept the deposit slips from the customers with complete
account number and obtain the depositors’ signatures and contact numbers on
deposit slips
to check in case transfer request is received where institution account is being
maintained with FBL, then concerned branch will select transaction type “PNDR”
& “PNCR-float” accordingly to process transfer transactions in beneficiary
pensioner account.
To check that amounts were paid on account of remittance received through
western union after obtaining the copy of CNIC of the customers and proper
verification
Check withdrawal slip approval obtained by branch as per approval matrix.
Check only one transition processed on the basis of withdrawal slip from one
account in a month.
Check encashment through withdrawal slip is being processed by customer
himself.
Check appropriate narration fed in narrative field in system indicating the number
of transactions processed through withdrawal slip
Check copy of CNIC of the customer obtained?
Check if customer made the credit card payment through deposit slip customer
signature should be verified on deposit slip before debiting the account
Check withdrawal slip contains the notation “Ok to Pay"
Check in case of online transaction, the transaction processing branch will email
the details of the customer to parent branch
Check branch recover online (intercity) charges from account holder as per
prevailing SOC (Where applicable)
Check customer signature obtained on back of the withdrawal slip.M263
Clearing & Collection
Does designated staff verify and match the beneficiary name with the account in
which cheque is to be credited, are cheques scrutinized at the time of receiving
and its being ensured that account has not restraint of dormant/ WAU?
Are all necessary stamps affixed on the back of the outward clearing instruments
and beneficiary account number mentioned?
Are names and contact numbers of the depositor mentioned on the deposit
slips?
All the transactions are processed and authorized as per assignment limits as
per SOP
Are all inward clearing cheques bearing crossing / endorsement and clearing
stamps?
Is Bank’s special crossing stamp affixed on the face of the cheque immediately
upon receipt?
Ensure that if the account is classified as dormant the cheque should be returned
along with the return memo. If the account is classified as Whereabouts
Unknown then OM/BM approval is suffice
Are all outward returned cheques marked in the register & cheque returned
register showing full particulars of the instruments along with the reason for
return?
Check if cheque returned unpaid, instrument is handed over to the customer or
his/her authorized representative against proper acknowledgment in the outward
cheque return register and copy of CNIC of authorized representative also
obtained.
Check that at standalone branches will directly credit outward clearing proceeds
in respective beneficiary pensioner account with tran type “PENC” and realise
clearing once return confirmed from NIFT/SBP/NBP etc.
Check that branches while sending MIS to CPU for pensioner account must
mention type “PENC”-
If returned cheque not collected by the customer within two working days from
date of receipt by branch an intimation letter along with the copy of cheque sent
to customer through courier.
Original cheque will be retained by branch up to 30 days and branch will inform
to customer accordingly and will deliver to customer through registered mail.
Standalone branches ensure that all return instruments of Rs 50M & above are
reported to Treasury.
Ensure that summary / clearing schedule is prepared in triplicate and signed by
authorized signatories and sent it to NIFT/NBP/SBP while the branch retain
triplicate copy for record purpose.
Ensure that collection letter generated through the system.
Ensure that collection reference number is as per register. Designated staff and
one authorized signatories jointly sign the collection letter and send instrument
to CPU for processing.
Ensure that copies of all such instruments, customer deposit slips and system
generated collection letter retained by the designated staff for record purpose.
Ensure that cheque of dormant account is returned except payable to a
Government / Semi-Government organization or department.
Check that the proceeds of cheques credited in settlement account is credited in
actual customer account.
Ensure that if the proceeds of instruments sent on collection not received,
fortnightly reminders sent to drawee branch / bank.
Ensure that in FCY collection Form ‘R’ duly signed by the customer and
authorized signatory of the branch where instrument is above $10,000
(equivalent in other currencies & being converted in PKR).
Ensure that proceeds held up to 21 days if realized thorough cash letters.
Ensure that monthly balancing of outstanding items prepared and is balance with
the general ledger
Are inward clearing cheques scrutinized before processing?
Are all inward clearing cheques bearing crossing / endorsement and clearing
stamps?
Whether clearing cheques were returned with ambiguous reasons? (BPD
CIRCULAR LETTER NO. 22 OF 2005)
Ensure that cancellation of FCY outward remittance reported to SBP as inward
remittance through Form ‘R’.
Are branches ensure collection of cheques on behalf of their customers only and
in case of erroneously received cheques, redirect the same either to the drawee
bank or to the drawer immediately, but not later than 72 hours from the date of
receipt of such cheques in the bank? (BPD Circular Letter No. 22 dated August
10, 2002)
Banks shall ensure that payee account is credited against the proceeds of the
payment instrument lodged in Same Day Clearing, before the close of
operations/business day.
Banks shall ensure that payee account is credited against the proceeds of the
payment instrument lodged in overnight clearing before the close of next
business day.
In cases where clearing house is not available bank shall ensure that payee
account is credited against the proceeds of the payment instrument lodged in
intracity and intercity clearing on T+1 and T+4 days respectively.
In cases where collecting bank fails to credit payee's account within given
timeline, it shall pay the compensation @ 3% above SBP policy rate to payee
within 31 days of lodgment of instrument.
Check that post /stale dated cheques are not received by in inward clearing
Prominently displaying the cut-off time for presentment of payment instruments in
each clearing session in all branches, as per SBP PSD Circular No. 03 of 2017.
Drop Box
Ensure that drop box is placed in ATM room where guards are not available
during the night outside the branches or those branches where ATM is not
available will place drop boxes inside the branch.
Ensure drop box keys recorded in key register under owners name and duplicate
keys kept in the cash vault.
Drop box opening timings are observed by the branch and time of drop box
opening are mentioned on the drop box?
Is drop box opening time mentioned on access register kept in the drop box?
Are contents of drop box entered in register under dual control and special
crossing stamp affixed on instruments retrieved from drop box?
Has branch manager designated the junior custodian and backup for drop box?
Ensure that discrepant cheques are separated and discrepancies noted in the
drop box contents register. Post dated cheques to be held for maximum 7 days
under joint custody.
Ensure that senior custodian is responsible for bag key while junior custodian is
responsible for drop box key and both custodians jointly access drop box.
Ensure that branch provide MIS of drop box content register to RB, BM & CSU &
E-Business on daily basis
Ensure that branch provide MIS of return cheque register to RB, CSU &
respective unit on daily basis
Are discrepant cheques mailed to customers on corresponding address by
branch directly along with the discrepant cheque letter
Remittances
Check that purchase remittance instruments e.g. POs, DDs and MTs etc.
(irrespective of currency)
POs will not be issued to a non-account holder / occasional / walk in customer
except in exceptional circumstances where such instrument is to be issued, (i.e.
favoring educational institution where purpose of payment is fee etc.).
Check that customer account be used for such issuances i.e. PO / LCY DD /
FCY DD rather using Suspense Account.
For issuance/processing of DD, PO, FDD and Funds Transfer, check that
application must be obtained on the standard application or plain paper. And in
case of partnerships and companies debit authority should be obtained on
company letterhead.
Designated staff upon receipt and completion of PO issuance / cancellation
Request will put date & time stamp through (where Qmatic System is not
installed) the same if otherwise in order.
Check if all details of purchaser & beneficiary of PO including CNIC no, address
& contact details are received.
Ensure purpose of PO is defined.
Check that manual pay order is being issued in case of unavailability of system /
printing error, with prior approval of Head of Branch Operations.
Ensure Call back confirmation was obtained by the branch BSM / SBSO , if
PO/DD/SWIFT or internal transfer amount is more than the thresholds defined.
i.e. 500,000
Check if original Pay Order was handed over to the customer or his authorized
representative against duly signed authority letter by the account holder &
acknowledgment obtained on the request letter/FTAF form.
Check for issuance of duplicate PO, FIR & affidavit on non judicial stamp paper
is received that original PO has been lost.
Check if original PO is cancelled in system before issuance of duplicate PO.
Check if a copy of Payment Instrument Verification Form is retained for record.
Check if authenticity of PO was checked via Instant Verification Marker.
Check if Calls back confirmation on Deposits/Payments/Funds Transfers are
made on Registered Land Line Number and Registered Mobile Number by the
processing branch.
Is PO outstanding more than 10 years deposited / reported to SBP.
Check if representatives provide authority letter and copy of Computerized
National Identity Card (CNIC)? Is original Seen of CNIC preformed?
Are charges recovered as per Schedule of Charges (SOC) for issuance of PO,
DD, FDD etc.?
Check that charges for making pay order / DD any other related instrument for
payment of fee / dues in favor of educational institutions, HEC/Board etc. may
not exceed 50% of fee / dues or Rs 25/- per instrument whichever is less.
Is demand draft issuance process followed as per sec 4.8.2(a, b & c)?
Are branches issuing Demand Drafts drawn on HBL where bank does not have
any branch?
Are demand drafts on HBL issued information sent to back office treasury on
same day?
Ensure branches while issuing a demand draft of over & above Rs. 200,000/-
would send an email by BSM/BM/BSO to CMU South mentioning the required
details of draft (i.e. Draft number, date of issue, name of beneficiary, amount,
purpose and drawee branch, issuing branch, Draft purchaser name & address )
for processing of MT 110 at CPU - CMO South.
Ensure that customer and beneficiary name checked from OFAC list and KYC
checked by the branch.
Are Draft issued in favor of bank not followed by 'For account of ___________‟?
Ensure that original applications kept along with daily transactions vouchers.
Ensure branch file carbonized copies of DDs separately date wise.
Ensure that DD/FDD is surrendered in original for cancellation, the branch would
only credit the amount in customer account against debit to long outstanding /
Unclaimed DD payable account upon written approval of BSM.
Has customer provided the DD/FDD cancellation request along with the original
instrument?
Ensure customer discharge obtained on revenue stamps of appropriate value on
the reverse of the draft under the words “Received Payment by Cancellation”.
Ensure that FCY draft endorsed “Not used for the Purpose Intended” and date
of cancellation noted on the departmental copy of draft.
Ensure that cancellation of FCY outward remittance reported to SBP as inward
remittance through Form ‘R’.
Is notation “Duplicate PO issued in lieu of PO No.__ dated __________” written
on the duplicate PO/DD?
Ensure amount of cancelled PO/DD/FDD credited into purchaser account? The
instrument stamped "cancelled" and made part of vouchers.
Is indemnity on the stamp paper received if the instrument is lost by the applicant
or the beneficiary?
Is confirmation obtained from issuing branch in case duplicate issuance is being
carried out at branch other than the issuing branch?
Is customer’s account credited directly against indemnity? where duplicate PO
not issued?
Are instruments bear endorsement along with their rubber stamp from the
government entities/autonomous body/ DFI/ NFBI for releasing the instrument?
To ensure that any debit to Unclaimed DD payable account will be made with the
written approval of BM who would first satisfy himself that all necessary steps
have been taken for effecting such debit.
Ensure customer written request obtained for revalidation of unclaimed pay
order, officers affix the receiving stamp on request and verify the customer
signature.
Ensure “Revalidation” stamp affixed on instrument contain signatures of two
authorized signatories of issuing branch one of whom must be BSM.
Ensure that copy of revalidated payment order & request filed in box file.
To check in case of any request received form the beneficiaries regarding
verification of payment instrument request from beneficiary needs to fill
standardized form (4.3 H)
Check the details and confirm the genuineness of the payment instrument and
retain verification form in record. This service would be free of cost.
To ensure that lost / stolen instrument intimated to Pan Pakistan branches
through Policy & Procedure Department.
Check that Branches reconcile all the unclaimed & outstanding pay orders on
fortnightly basis through reports of unclaimed pay orders / outstanding pay
orders & balance thereof should be cross verified with balance appearing in GL.
Check if Po issued in favor of third party after following SBP guidelines as
mention in OSED/SEU-10/018(01)/10288/2018 dated: 11-05-2018
Security Stationery
Master Stock of blank stationery be kept in the dual custody of /BSM/BSO&
Remittance Officer/UT in fire proof cabinet with track of issued leaves.
Stock register/card be maintained & physical balancing of stock be carried out
fortnightly with the balance outstanding in the stock register/card.
Issuable stationery is with the issuance officer during the day while overnight
should be kept in vault.
Safe Deposit Box
Are SDB (Safe Deposit Box) only issued to active account holders of FBL?
Following documentations were obtained from the customer
a-Safe Deposit Box (Lockers) Application Form– Lease Agreement form
b. Specimen Signature Cards
c. Copies of CNIC of all licensee/mandates or POA holder
d. Two photograph of all licensee/mandates or POA holder (One photograph is
pasted on locker form & other one is on SSC and the same should be admitted
by the designated officer.)
e. Board Resolution (in case of corporate bodies).
f. in case of foreign national their passport copies?
Are all blank spaces in application and SSC (Specimen Signature Card) ruled
off/void stamp affixed and locker’s documentation is complete?
Are copies of CNICs of all the locker operators obtained and in case of foreign
national their passport copies?
Is screening of locker operators & mandate performed before opening the
locker?
To check locker neither issued to a minor nor can a minor be a joint-operator.
However, guardian can avail this facility with minor account.
Check if locker is issued after 90 days of account opening to increased risk /
PEP customers without CAAML approval .
Has the branch BSM or BM approved the application for issuance of locker?
Are vacant locker keys kept in a sealed cloth enforced opaque envelope under
the dual control of the Locker Custodian and Branch Service Manager in main
vault or strong room.
Are SS cards & all Safe Deposit Box (Lockers) application Forms filed in a serial
order and kept in a fire proof cabinet under dual custody of the locker custodian
& Branch Service Manager.
Is key deposit received and properly booked in General ledger and entry made in
key register?
Is rent received properly recorded in General Ledger and locker issuance
register?
Are mandate forms obtained and screening performed as per NCTO if locker
holder appoints any other person to operate locker in his absence?
Check branch allowed the three locker operators (jointly or singly) where account
is opened in normal category and four locker operators (jointly or singly) are
allowed for priority banking
Is the locker number mentioned in all related documents?
Check is all details entered in locker issuance register?
Check whether branch has obtained customer acknowledgment on locker
opening form in noting" I have received my keys in sealed envelope".
Ensure that staff performs customer CDD of locker holder / POA on e-KYC
module as per CAAML policy.
Check whether branch has sent scan image of locker forms (all documents
including SS cards and photograph of the customer) to CPU - LHR for signature
and picture scanning in Symbols via Seibel account maintenance screen.
Signatures & picture attached to specific locker by the branch for purpose to
refer for verification at the time of operation.
To ensure that staff obtains the purpose of availing locker facility from licensee
and evaluate it with the profile of the client
Is locker operated by the customer at the time of locker issuance to confirm that
locker is empty and correct key is delivered?
Access the control of keys and security measures:
Are locker’s vault keys handed over to authorize staff as per IOM signed by
Branch Service Manager?
Are locker vault and master keys movement recorded in key movement register?
Are duplicate Master keys sealed in an envelope and kept with nearest FBL
branch or any other Bank.
Are the surrender locker keys kept in sealed envelops and under dual custody of
O/M and BSO other than locker custodian?
Review the procedures to access SDB
Are customer signatures verified by officer/SDB attendant, and the time of
entry and the time of departure is recorded?
Review the loss of keys procedure:
Are all keys reported loss duly notified in writing?
Are customer signatures on the report of loss key verified by an officer?
Are the charges for loss key deducted?
Is consent of all existing/new locker holders obtained for the insurance ceiling?
Is the breakage of the boxes performed by the manufacturer in the presence of
the allottee/customer and witnessed by two officer?(If keys were lost)
Surrender of Lockers: Has customer written request and signature on SSC
been obtained at the time of surrender of locker?
Ensure that locker allotted in joint name closed on the basis of closing request
signed by all the signatories.
Check details of the surrendered locker’s key will be recorded in the Lockers Key
Register.
Check “Safe Deposit Box (Lockers) Closed Stamp” affixed on every document
(i.e. Safe Deposit Box (Lockers) Application Form, Specimen Signature Card,
Mandate, Safe Deposit Box (Lockers) Issuance Register etc.).
Check locker surrender approved by BSM.
Check Safe Deposit Box (Lockers)/ Lever is changed after surrender of keys
upon termination of lease. A record of change of lock/lever be maintained
showing Safe Deposit Box (Lockers) number, date and reason for change.
Is licensee operate the locker to check whether the locker vacant or not at the
time of surrendering the locker?
Is log for change of surrender lockers keys maintained? Ensure that surrendered
keys cut into two pieces and kept in sealed envelope under dual custody in fire
proof cabinet.
Security Standards for Enhancement of Security of the Locker:
Are SDB area adequately and reasonably secured from all sides and the security
arrangements in place are fool proof and meet the security standards?
Is corporate group insurance for various categories and sizes of lockers properly
conveyed to the existing locker holder / new locker holders?
Locker Operations – Customer’s Process Flow:
Check that locker operations cards of the customers are reviewed by BSM
Check whether custodian obtained locker operation request from lisencee?
Is operation of locker allowed to customer one by one?
Locker Operations
Is safe deposit box operating request date and time stamped through machine?
Is key register maintained?
Check that locker custodian has recorded customer's visit time in the system.
Is locker grill door kept closed during the day?
Check locker operations are not allowed after banking hours.
Is day-end reconciliation of locker operations report and locker access cards
performed by locker custodian and BSM?
Locker Charges:
Are annual lockers’ charges deducted timely and entered in system and
register?
Are charges taken up-front at the time of issuing the locker?
Access the procedures of rental payments and past due accounts:
Are over due rental payments being monitored?
Are past due Locker holder accounts flagged "Overdue"?
Are red stickers affixed on the over due lockers?
Are letters sent to customers within 7 days of rent overdue for their information?
Are second and third reminder letters sent to the customers with 30 days interval
if no funds received in accounts?
Check In case the rent is overdue for a year branch shares MIS with respective
GM and Head Branch Operations for advice. After two years of rent overdue;
branch will send MIS to Head Retail & Head Operations and if all lockers are
occupied then force break open process will be initiated with the approval of
Head Retail / Head operations. Once approval obtained, case will be referred to
in-house legal advisor for serving the legal notice to customers’.
Check on expiry of notice period given in legal notice, bank proceeds to publish a
notice in news paper for reminding finally to customer.
Check on expiry of the period given in the notice, the bank break open the Safe
Deposit Box (Lockers) in the presence of two independent witnesses; one should
preferably be an advocate / Notary Public on the approved panel of the Bank
besides the Branch Service Manager of respective branch.
Are locker operations allowed to customers. Having overdue rent?
Ensure lost key process properly followed by the branch as per sec 4.9.7
Is locker master key and grill key of locker room with locker custodian during the
day and kept in strong room under dual custody overnight?
Is reconciliation of un-rented keys performed on half yearly basis by an
independent officer?
Ensure at least once in a year (annual review) BSM must match the Safe
Deposit Box (Lockers) Forms with Safe Deposit Box (Lockers) cards in order to
check incorrect filing.
Is monthly reconciliation of the rent received with lockers records i.e. with locker
issuance register, system sheet/manually maintained MIS (where available) and
lockers application form performed by the branch?
Ensure process of lost items found in locker area is followed by the branch as
per sec 4.9.11.
Is Safe Deposit Box (Lockers) operation allowed in case of deceased marked
lockers?
Has branch obtained approvals to refer cases to in-house legal advisor for
serving the legal notice to customers where rent remains overdue for two years ?
In case of breakage /damage to the locker by any means, are the locker holder
compensated by the bank/DFI immediately as per the insurance ceiling of the
locker?
Ensure that at the time of breakage there is no outstanding rent. Also ensure that
there is no attachment order or legal injunction on the said Safe Deposit Box
(Lockers).
Debit Card Issuance & Delivery:
Ensure that branch maintains proper record of ATM Cards received from the card
center in the ATM issuance register.
Ensure that ATM cards timely issued to the customers as per service standard
i.e. 5 days of receipt of application.
Ensure that in case of any discrepancy, branch would report to card operations
unit within 2 working days from the receipt of daily Cards pouch. If not reported
within the time frame it will be considered as branch does not have any
discrepancy.
Ensure that branch will report to ADC OPS uncollected cards on weekly basis
ensure that numbers of all shredded cards on daily basis sent to Call Center
ITMC team for HOT marking in their provided excel sheet format via email.
Ensure that replacement fee is waived for FBL staff including FTE, Bank
Contract and TPC.
Ensure that upon receiving FBL debit cards Branch services manager puts
machine time stamp on the card production report to record receipt time of the
cards.
Ensure that in case of joint accounts, card will only be issued if operating
instructions are ''either or survivor'' and one signature will be required.
Ensure that undelivered Cards are kept in fire proof cabinet/vault in the dual
custody of BSO/BSM and the designated staff of branch overnight. However,
during the day it can remain with the designated delivery officer.
Ensure that ATM card delivered to customer representative after obtaining
authority letter, copy of CNIC (original seen by designated bank officer).
Acknowledgment obtained on register
Online Branches deliver debit card to customer only upon his/her physical
presence and customer must produce his/her valid original CNIC, the same will
be verified and copy of the same will be marked original seen under the name,
initial, date etc. by the designated delivery officer. Further the same will also be
matched with physical appearance of the customer.
Ensure that debit visa cards were not issued to following account holders?
a) Any non-personal account i.e. Companies, Organizations, Trust Account,
Government account and Collection account etc.
b) Dormant, inoperative, blocked or restricted accounts.
c) Account with "Nil" balance
d) Partnership Accounts.
e) Illiterate visually impaired/blind account holder.
f) Joint accounts (joint operating instructions)
To check branch does not refuse issuance of ATM / Debit card to literate visually
impaired/blind account holders against duly witnessed undertaking.
If undelivered ATM debit card not collected by the customer /representative.
Ensure that reminder letter sent to respective customer after 20 days from the
date of receipt of card in branch.
Ensure that if cards not collected within 60 days the same destroyed (by cutting
the magnetic stripe in two halves) in dual custody & signed off jointly and
notation of this be made in ATM issuance register.
Ensure e-mail sent to call center for hot marking the card after destruction and
keep in loop CPU, Asst OPS and card production departments.
Ensure that combination code kept under the custody of BSM and safe key with
Head BSO in their absence these functions to be performed by the BM/SBSO
and designated BSO.
Ensure that combination code of ATM machine changed at least once in six
months or as and when staff handling these combinations are transferred or
resigned.
Ensure that duplicate keys of ATM Safe and combination codes are kept in the
safe keeping of the nearest FBL branch in a sealed envelope under joint custody.
In case no branch available it should be kept in the nearest other bank branch
locker in a sealed envelope under joint custody.
Ensure that monthly balancing of undelivered ATM debit cards is done
Replenishment of cash in ATM
Ensure only authorized custodian opens ATM safes.
To ensure that that counterfeit notes are not fed into the machine and also
ensured that cash replenished in ATM are not cut /soiled & are of re-issuable
standards
Ensure that sufficient cash is available in ATM at all time.
Ensure that for long weekends maximum cash is fed in the ATM and insurance
coverage for excess cash also arranged.
Ensure that Journal rolls kept in original and these rolls are stored in a box (not
exposed to light) and placed at the reasonable temperature and branch should
avoid making photocopy of the roll for filling purpose.
Ensure that branch Service Manager & Vault BSO or their designated backups
balance ATMs on daily basis maximum by 1 pm.
Branch Service Manager or his/her back up should ensure that all the activity of
ATM cash replenishment is done under supervision of CCTV camera.
Check are details of cash replenished be entered in the cash register
(denomination wise)?
Ensure that actual cash is balanced with cash journal roll and reconciliation is
carried out for differences if any in order to identify suspect transactions(s).
To ensue that excess/ shortage of cash over Rs 20,000/- require approval from
Regional Operation Manager
Are all overages & shortages accounts traced out within prescribed time period?
ATM Room
Ensure lighting and locking arrangements are available in ATM booth/cabin in
order to ensure safety and privacy.
Ensure that a complaint / suggestion box placed in ATM booth and checked by
designated person on daily basis
Ensure that helpline is installed in ATM room?
Ensure that CCTV camera is installed in ATM room in such way that customers
PIN input cannot be captured. Further CCTV is installed to monitor/ record
activity in the ATM vicinity instantly.
Ensure that arrangements to construct ramps at the entrance of existing
branches and ATM cabins to allow easy access to special persons and
wheelchair users (CPD Circular No 02 dated 13-02-2014)
Automatic Credit
Ensure that cash retraction transactions are followed as per SBP circular No
PSD Circular No 2/2010 dated 08-07-2010.
Ensure that immediately after crediting account of the customer, they must
inform the customer in writing through approved courier service accordingly.
Evidence of having done so should be maintained for record purpose like letter
copy, related identification documents and courier receipt.
Ensure that if customer account debited without cash dispense minimum balance
charges should not be recovered.
Retain / Captured Card
Ensure that if card retained / blocked by the ATM, branch removes the card
from ATM and record the card number and details in register under dual
authorization and return to the card holder is within prescribed period after
proper verification.
Ensure that CVC value is cut out/marker and has not in visible/readable form.
Ensure that branch also required to keep the copy of captured card for record
purpose
Does branch deliver the card to respective customer against proper identification
& acknowledgment in captured card register
Ensure that email is sent to ITMC@faysalbank.com for temporarily warm/hot
blocking of cards in case captured card is FBL pocket mate visa debit card/ union
pay debit card.
Ensure that branch take signed receipt on FBL standard format and affix date
and time stamp while delivering the card to the customers
Ensure that branch intimated details of captured cards as per PSD Circular
Number 1 of 2008.
Ensure that application form must be filled up by customer and copy of CNIC
obtained and held on records while delivering capture card to customer?
Ensure that original seen of CNIC is placed from officer end on photocopy of
CNIC
Ensure that customers collected the card within 2 days otherwise sent to Card
Center / respective card issuing branch and CFC informed accordingly.
Ensure that where customer does not approach to collect his card from his/her
issuing branch within 8 working days then issuing branch cut the card into half
and shred the card at their end.
Ensure that details of shredded cards be shared with CFC on weekly basis.
Ensure that in case Watan card is captured, the acquirer branch staff assist the
card holder and facilitate him/her in lodging a complaint to issuing bank for
immediate resolution.
Ensure that in case of watan cards the acquirer branch send the captured card
along with the complaint lodged by the card holder on same day to the nearest
branch of issuing bank.
Ensure that any suspicious card for example plain white plastic cards or any
unusual card is to be preserved and returned to CFC and the cases would be
immediately reported to FRM unit. It should not be returned to card holder in any
case.
Cheque Book
Check that two different authorized officers are designated by BSM to handle
cheque book issuance and delivery to the customers.
To ensure that requests for issuance of cheque books in case of second or
subsequent cheque book where requisition slip is lost / destroyed are not be
entertained without the physical presence of customer and a declaration to this
effect written and signed by customer (if individual /proprietor then on plain paper
and if business account then on company letterhead) is obtained and all such
requests also require specific approval of BM/OM after confirming the
genuineness of the customer/request.
To ensure that If cheque book not requested by customer at the time of account
opening, then branch will obtain a request on plain paper in case of individual or
on company letter head in case of entity and process at their end after obtaining
the approval from ROM & RGM both.
To ensure that if customers requested for issuance of new cheque books in lieu
of lost cheque book requisition staff deduct respective charges.
In absence of Physical presence of Customer (for lost cheque book requisition
cases), CBC should be done on registered number with bank by BSM/SBSO to
confirm the authenticity of the request prior to processing. In such exceptional
requests require specific approval of RGM & ROM with the recommendation of
BM/BSM after confirming the genuineness of the customer/request.
Check that all cheque book requisitions of the existing accounts upon receipt,
are checked by the branch for genuineness of requisition slip through embossed
watermarks through UVL.
Check that all cheque book requisitions are Machine Date &Time Stamped by
the branch designated officer in order to record receiving date and time.
Is signature verification done on requisition slips?
Check that in small branches cheque book delivery function rests with the
operations manager.
Check that where customer insisted for delivery of cheque book other than
parent branch a written request is obtained duly signed by customer stating the
reason as to why the customer cannot approach the parent branch to collect
cheque book.
Are all cheque books delivered to customers in case if he/she will come to online
branch personally i.e. other than parent branch?
Ensure that all cheque book requisition slips from an online branch is received
along with a covering memo of branch.
Upon receipt of cheque books requisition slips, branches must ensure to check
the status of account for any restraint such as dormant or whereabouts unknown.
Ensure that if previous cheque book has not been sufficiently utilized in Symbol
branches, OM/BM approval obtained on the request.
Check If the person comes him/herself, for submission of requisition slip the
evidence /notification of the same should also be mentioned on the request by
receiving officer. Whereas requests are received through customer’s
representative (instead of the customer personally) the name and CNIC of the
person submitting the request must be obtained and noted on the reverse of the
request by receiving officer.
Ensure that cheque book request captured by issuing officer/BSO in system
through relevant function by the issuing officer, noting to this effect (Serial
number of the cheque issued) done in the CRF/ARF copy/requisition slip/ letters.
Ensure that all requests must be file date wise along with system report duly
signed by concern delivery officer or his/ her backup
Ensure that stamp duty/charges are deducted for all cheque book prior to its
delivery to the customer.
Ensure that confirmation letters on prescribed format are sent to customers in
case cheque book delivered to third party representative.
Ensure that branch should deliver cheque book to authorized representative of
account holder if accompanied by authority letter duly signed by account holder
clearly nominating the representative and attesting his specimen signatures.
Ensure that in exceptional cases where cheque books delivered to customer's
representative where contact with the customer cannot be established after
obtaining approval as per exception matrix.
The cheque book will not be delivered to any bank staff even if he / she holds
customer’s written authority. Under special circumstances if it becomes
absolutely necessary for certain customers the Branch Manager or in his
absence Relationship Managers only may personally deliver the cheque book to
customer subject to Regional Manager approval followed by prompt delivery of
customer’s acknowledgement on requisition slip to the cheque book delivery
officer. In such cases, customer needs to call at CIC for activation of cheque
book.
To check for delivery of cheque book to authorized representative from parent
branch only. Call Back Confirmation must be done by BSM/SBSO on system
given register number only. If contact is not established then in such cases
cheque book can be delivered to representative upon written approval of
concerned branch manager. In such cases, respective BSM / SBSO would send
an e-mail to CIC in which requesting for outbound call to customer for verification
of customer credentials and activation of cheque book. Concerned branch is
required to file such mail along with the cheque book requisition slip for further
record.
Check if customer has produced his/her valid original CNIC and the same will
verify and Copy of the same will be marked original seen under the name, initial,
date etc. of branch delivery officer.
Branch would not deliver the cheque book to authorized representative of
customer where customer contact is not established. However, in such cases
cheque book can be delivered to representative upon written approval of
concerned branch manager. In such cases, respective BSM / SBSO would send
an e-mail to CIC in which requesting for outbound call to customer for verification
of customer credentials and activation of cheque book. Concerned branch is
required to file such mail along with the cheque book requisition slip for further
record.
Ensure that BSM check the total cheque book request received during the day
and a temporary restraint is marked through EOC by OM with the notation “This
cheque book is not yet activated”.
Check for Joint, company, partnership or trust/association can activate their
cheque book providing the confirmation of receipt of cheque book in writing to
branch as per the operating instruction.
Ensure that all cheque books issued to customer are recorded in the register
maintained for cheque book issuance and it is reviewed by Department Head /
Manager Operations.
Ensure that cheque book delivery officer update the issuance / deliver register,
take custody of cheque books and place them in the fire proof cabinet.
Ensure that branches put machine time stamp the cheque book production list
upon receipt of cheque books.
Ensure that undelivered cheque book is destroyed by the joint custodians after
45 days from the date of receipt with the written approval of BM/BSM with proper
notation to this effect on register.
Ensure that reminders sent to the account holder for the collection of cheque
book after 20 days from the date of receipt at the branch.
Ensure that if above letter returned undelivered the branch BSM immediately
mark the restraint WAU in respective account and inform to RM for updating their
address.
Ensure that all cheque book requisition slips must be filed delivery date-wise for
record purpose.
Ensure that undelivered cheque books is kept overnight in the fire proof cabinet
under joint custody of cheque book delivery officer and BSM/SBSO. While during
the same are with designated custodian/BSM.
Ensure that stocks of undelivered cheque books balanced on fortnightly basis
against out standing entries in the cheque book issuance/delivery register.
Ensure that BSM extract the report “Cheque Book Issued by Branch” from KM on
daily basis to ascertain that total cheque books entered in system matched with
client requisitions. Also check the stop payment restraint (SCI) marked in system
previous day.
BSM/BM should reconcile / verify the cheque books delivered to customers
during the day with acknowledgements in cheque book register to ensure all
delivered cheque books are activated in system.
Ensure that SCI restraint is deleted and CBD restraint marked in the system
against the relevant serial number of the destroyed cheque book.
Check if the stock of undelivered cheque books is balanced on fortnightly basis
with the requisition slips and the cheque book issuance register till these are
delivered or destroyed.
Ensure IOM as per annexure 4.5-M is prepared and first and last leaf of cheque
book and the original requisition slip is attached with it after cutting into two
halves. Remaining cheques shredded.
Designated staff will update and record proper notation in the cheque book
issuance/delivery register by highlighting them to be marked destroyed
Cheque Book Destroyed (CBD) report from KM is provided to branch by
respective AOM on fortnightly basis for reconcile
Ensure staff does staff obtain customers’ signatures in advance on the receiving
portion of requisition slips at the time of accepting the applications for cheque
book issuance? (CPD Circular No. 2 of 2013 dated May 09, 2013)
Asaan Account cheque books will be delivered to customers on their visit to
relevant branch only.
Ensure that Original Cheque book requisition slip be attached with the IOM and
filed date –wise for record purpose.
Ensure that CBD report from KM is provided by respective AOM on fortnightly
basis for branch record and to reconcile the same. CBD report will be signed by
two designated officers one of them must be BSM/SBSO, and filed accordingly.
Check that cheque book is issued to the guardian on minor and guardian’s
names jointly.
Check Islamic branches avoid issuance and facilitation to provide conventional
banking cheques book.
Standing Instructions
Ensure that branch staff mention the mode of request received from customer/
representative/ post etc. on SI request and it is machine date & time stamped.
Ensure that Call back and compliance process performed by the branch where
required.
Ensure that e-mails send to CPU are kept in branch records and customer
requests are in order.
Ensure that on receipt of request for cancellation of SI, request will be machine
date and time stamp and signatures verified
Check whether branch has informs customer in writing if fund transfer request
could not be processed due to insufficient balance.
Ensure that acknowledgment from CPU must be obtained by branch via email for
cancellation of SI.
Check that upon receipt of request for cancellation of standing instruction from
the customers at branch, request will machine time stamp, signatures verified
and marked cancelled.
Decease Accounts
Check all the deceased accounts are properly marked as "Deceased" under
informative restraint as "DAS'
Check that CPU-AMU marked the specific restraint type (SDA) on all deceased
accounts
Check that in case of death of customer all power of attorney or mandates given
by him/her are cancelled and status of the account changed to "Deceased
Account".
Check Branch staff searches through the name & CNIC # of deceased in entire
network and share the information with respective branches BSM/SBSO via
email where the another account is maintained. In such cases where customer
was maintaining more than one account with bank, status of all such accounts
should also be changed to deceased.
Ensure that all the letters for verification of Succession certificate be addressed
to the Assistant Registrar, Executive & Misc. Branch, High Court of Sindh.
Ensure that CNIC and account number is notified to call center through email by
BSM/BM for hot marking of ATM card (where applicable) & account number
should also be provide to CPU Account Maintenance for unmarking of service
charges etc.
Ensure that in case of joint account where mode of operation is either or survivor,
the survivor be requested to withdraw the funds and open a new A/C.
Ensure that funds only released against production of succession
certificate/letter of probate after vetted from Company Secretary & Legal Advisor.
Ensure that in case where account balance is less than Rs. 100,000/- payment
be allowed to legal heir without succession certificate against production of
indemnity on prescribed format.
Ensure that where account balance is more than Rs 100,000/- the succession
certificate submitted by the heirs should be verified by external lawyers.
To check after release of funds the all accounts should be closed in system
To check system does not recover any sort of charges from deceased accounts
To check branch maintains the record of deceased accounts properly
Stop Payments
Check if request received on bank's stationery, rubber stamp is required along
with authorized signatures for corporate and commercial customers
Check stop payment requests received in writing? If request given over the
phone a written request should be received same day or maximum next day?
Check reason for making stop payment request is mentioned on the request.
Upon receipt of written stop payment request completeness of the request is
checked & affixed with date and time on the request duly verified the customers
signature .
Ensure that staff check that cheques have not been presented/paid before the
stop payment requests were received?
Check stop payments marked immediately (within 10 minutes) in system upon
receipt of requests
Check applicable charges recovered?
Check acknowledgement of stop payment on standard printed format should be
delivered to customer by hand under acknowledgement or to be sent through
courier on the same day to customer’s address by the concerned staff.
Check stop payments release instructions are obtained in writing and signed by
account holder? Has branch obtained prior approval from BSM/BM of respective
branch if stop payment is being removed on behalf of another branch?
Stop payment request already marked in system should be removed only by the
branch who has mark the same.
Duplicate Account Statement
Duplicate account statements are issued against customer written request and
approval of BSM / BM.
Are duplicate account statements delivered against proper acknowledgement?
Is commission on duplicate issuance recovered as per current Schedule of Bank
Charges?
Ensure branch staff has affixed machine time stamp and verified customer's
signatures on request as per account operating instructions.
Are duplicate account statements delivered to representatives of customers
against authority letter after completing call back confirmation? Ensure sec
4.3.11 (4&5) of SOP followed?
Is any reference letter, w.h.tax certificate, account maintenance certificate, Zakat
certificates issued against customer request and delivered to authorized person
against acknowledgement?
Check if branch has obtained original valid CNIC from customer designated
representative and attached copy with request and original seen under the
name, initial, and date etc. notation should be mentioned on CNIC copy.
To check that customer representative’s specimen signatures available on
authority letter
Check that undelivered SOAs are shredded in the month of Jan and July for the
preceding cycles.
MIS of shredded SOAs must be signed by two officers of the branch one should
be BSM or his/her back-up if BSM is not present
check designated staff inform respective customer that SoA will be couriered to
on the address available in bank’s record if uncollected for 5 days from the date
of receipt of request. Courier charges as prevailing in current SoC will be
recovered from customer’s account.
Are designated coordinators appointed in Islamabad, Lahore and Karachi, duly
authorized to facilitate the process of requests of verification of bank
account/statement expeditiously received from Foreign Missions,
Embassies/High Commissions and any other relevant office for visa purposes of
Students Applying for Foreign Education? (BPRD Circular No. 06 of 2010 dated
May 17, 2010)
Are the requests for verification of accounts /bank statements of Students
Applying for Foreign Education received disposed of, accordingly within seven
working days from the date of its receipt? (BPRD Circular No. 06 of 2010 dated
May 17, 2010)
Is branch charging “processing fee” under any head for accounts/ bank
statements of students verification from the accountholder/customer either
directly or through debit to his/her account? (BPRD Circular No. 06 of 2010
dated May 17, 2010)
Complaint Handling
Check that Floor Service Officer or BSM of the branch daily check the complaint
boxes installed in the branch.
Ensure that all written complaints received by the branches should first be time
stamped & immediately lodged in Siebel (complaint lodgment system)
Are customer complains logged in Siebel system & proper record is maintained?
Are customer complains sent to CSU for handling
Are all complaints received by the branches are time stamped & recorded in
complaint register and routed to Complaint Servicing Unit in Service Quality
through courier/fax or by hand delivery?
To check at the time of complaint logs in siebel branch code number is also input
in system
To check that customer related Grievances for clearing issues/complaints are
referred same day to Complaint Management Unit for resolution within defined
TAT( 7 working days)
To check fraud complaint is referred to FRM and complaint unit taking senior line
management in loop.
s the suggestion box placed prominently and suggestion cards are also
available?
Are guidelines for dealing with customer complaints strictly adhered by the
branch? BPD Circular No. 17 dated June 7th 2004?
Suspense Account
Ensure that branch is reconciling all the unclaimed & outstanding pay orders on
fortnightly basis through reports of unclaimed pay orders / outstanding pay
orders & balance thereof should be cross verified with balance appearing in GL.
Are the proofs duly signed by concerned officer & BSM of the branch?
Ensure that if customer i.e. purchaser approaches for revalidation of Unclaimed
Pay orders, branch would first obtain the written request from customer. The
receiving officer shall affix the receiving stamp on the written request and verify
customer signatures.
Ensure that branch should file the copy of revalidated payment order & written
request in separate box file.
Check if the proofing of all suspense accounts with (break-up & aging wise) is
prepared by the 5th of every month for the preceding month.
Check if the entries booked in the Suspense Accounts are settled in the shortest
possible time i.e. within a maximum of thirty (30) days from the date of
origination.
Ensure that entries made on account of tax at source, advance tax paid, tax
recoverable, advance expense on new branches, advance rent paid, legal
expenses, mark-up/service charge recoverable, Qarze Hasna for marriage, and
forward cover fee, shall not be classified as Suspense Account and may be
recorded in their respective head of account under other assets and the above
instructions shall not be applicable to these items.(BPRD Circular NO 06 of 2014
Prudential regulation for corporate/commercial banking, Regulation 003)
At day end, the BSM/BM to ensure that the Deposit Settlement account has
been reconciled.
Administration financial powers are being followed by branch for using imprest
account?
Are relevant bills enclosed with expense vouchers?
All the utility / others expenses should be approved as per schedule of financial
powers
To check that advance tax paid on electricity bills correctly calculated
Paid Stamp affixed on all the relevant expense bills/vouchers
Check that staff/client entertainment should not be claimed from imprest account
Physical Access Control
Ensure that entrance of unauthorized person is restricted in vault / teller area.
Ensure unauthorized persons are not allowed in cash area and list of the
authorized persons is displayed on main door of the teller area.
Ensure that BM has designated one officer (OM) of the branch as the security &
safety officer to coordinate with the Regional Security Officer (RSO) and Head of
Safety and Security
Ensure that branch is opened at 8:45 am and motion detectors deactivated
(where installed). Guard less branches will also note branch opening timings in
branch opening & closing register.
Ensure that security guards is provided a summary set of specific instructions
boldly written in Urdu for their compliance.
Ensure that emergency contact numbers including police help line, crisis
management team, fire stations, ambulance services, are available and pasted
on the branch notice board. The names and contact numbers must be
immediately updated in the list in case of any change
Ensure that necessary lights, sufficient for clear visibility from outside and
specially in the secured areas where 24-hour video surveillance and recording is
provided, should remain switched on inside and outside the branch during the
night.
Ensure that at the time of deployment following documents obtained from
security guards:
a) Finger prints on standard formats
b) Two passport size color photographs,
c) Deployment Letter by company HO.
d) Weapon authority letter by company HO.
e) Valid weapons licenses copy issued by Home department.
f) Home Town verification by local police.
g) Current residence local police verification certificate.
Filled duly attested enrollment form by company
Ensure that motion detectors, CCTV cameras & burglar alarm checked
periodically by BM/OM (once in a week) and evidence of the same be placed in
branch file.
Ensure that Log of surprise check will also be maintained with the branch for
audit trail with the detail of Security Guard Company Supervisor
Ensure that replacement with a fresh guard must be arranged. BM/ BSM must
ensure to check/verify the same on attendance register
Ensure that as per FD circular letter number 4 of 2017 dated November 06,
2017, recording of CCTV cameras installed in branch should be available for 60
days.
Ensure that after the close of business and during the night, the security guards
posted at the selected branch must remain inside and keep the main doors
closed.
Ensure that under no circumstances at the guards shall leave the branch and or
allow any unauthorized persons to enter the branch premises after the close of
business.
Ensure that a written request must be granted by the BM and the concerned
Area Manager jointly under intimation to the Head Security and Safety, Head
Operations and the security company for branch opering on holidays.
Ensure that cameras installed in branch at suitable locations to cover the
following areas: -
(1) In front of lockers, covering the locker door and surrounding area.
(2) In front of Safe / Vault door covering Cash Strong Room Door and
surrounding area.
(3) The exit / entry door of the Branch.
(4) The lobby / customer-waiting area.
(5) The cash / teller counters.
(6) ATM Room
(7) Parking Area.
(8) Camera shall be installed outside the room / premises where ATM machine
installed.
(9) Any other location considered necessary by BM
(10) Inside and outside the vault.
Ensure that every branch should require to record and report every abnormal
security related incident, alarm signal or any other unusual incident during the
day or night through a situation incident Report (SIR) on the prescribed form
(Annexure-VI) and record of all serially numbered and dated SIRs shall be
maintained at the branch.
Ensured that security guards be identified through NADRA Verisys before their
deployment in the branch
Ensure that staff identify technicians before allowing them access to CCTV and
ATMs for maintenance and servicing
Ensure that staff always lock their PCs while going away from their work stations.
Ensure that the CCTV equipment installed in the branch is password protected.
Ensure that external USB (Universal Serial Bus) ports of desktop personal
computers are restricted.
Ensure that guards be positioned in a manner that they can observe all visitors
and are in a position to react in emergency. Further to ensure that guards only be
used for security duty and no other work be taken from them.
Ensure that guards are not allowed to remain posted at one location for long time
and should be rotated at least once in six (6) months. Further once a guard is
transferred from a branch can be reposted on the same branch after two months.
Ensure that BM/OM periodically carry out inspection of the premises (once in
every 3 months). Is report of the inspection held in the branch record.
Ensure that minimum two guards posted at all times in high and medium risk
branches?
Ensure that keypad is located at a place where its use can not be easily seen by
anyone. Is remote panic button also available with the OM?
Are the panic buttons installed in branch operational and checked on periodic
basis?
Ensure that all remote security passwords, access to key pad be confined to only
authorized persons.
Ensure that at the end of the day the alarm in cash vault and locker room
activated by the authorized person and recorded in the branch register / log
book.
To ensure that the passwords and codes are periodically changed at least once
in quarter and at the time of employee leaving the branch? Also check that same
is recorded in the register.
Does branch notify new contact numbers to the remote security services provider
with information to the RSO/Head S&S with every transfer and change previous
password or security codes?
Check whether during weekends and long holidays random surprise check and
monitoring of the security guards posted at the branches has been instituted
together with the security company. Log of surprise check be maintained with the
branch for audit trail with the detail of Security Guard Company Supervisor.
Check whether log is being maintained by branch on daily basis for security
alarm coding and decoding.
Ensure all necessary lights are switched ON during off hours to cover CCTV
recording during night.
Do OM/BM ensure that no guard is performing duty more than 12 hours in one
shift?
Ensure that alarm system and surveillance equipment periodically tested by the
BM/OM (once in a week) and recorded in log book.
Ensure necessary lights, sufficient for clear visibility from outside and specially in
the secured areas where 24 hour video surveillance and recording is provided,
remain switched on inside and outside the branch during the night.
Ensure that branch must have emergency first aid box fully stocked with
necessary materials and ready for use at designated place.
Ensure that a portable fire extinguishers are installed in the branch.
Are identities of guards deployed in the branch checked with the security firm
and verification process is conducted i.e. supported with introduction letter?
Ensure that records of data of customer due diligence (e.g. CNIC, passport,
driving license, account files and business correspondence retained for at least
five years.
Ensure that main door of the branch is reinforced with a grill / shutter and all
glass windows and façade be protected by a grill of sufficient strength.
Ensure that any staff member is not allowed in branch premises after close of
business or holiday without written permission granted by the BM and
concerned Area Manager jointly under jointly under intimation to the Head
Security and Safety, Head Centralized Ops and the security company.
Ensure a steel latch lock shall be installed inside of the ATM front door for the
safety of customers.
Ensure Sufficient lighting be provided outside the ATM area.
Ensure proper frosting is being done on ATM room glass in order to protect
customer transaction secrecy.
Is fire drill carried out periodically?
Role Definition
Obtain Organization Chart, JDs of all staff and their back ups, latest user profiles
of Symbol 8.5 System . Ask for the latest review done by ID Management Team.
ID creation, deletion and addition of roles requests. Also Obtain list of staff
turnover during the audit period.
Are assigned roles to individuals match with their JDs?
Are all IDs authorized from respective line Managers?
Are exceptions in role approved by Head IT Security & Risk Management?
Check that users do not share passwords in any circumstances.
Check that staff ID (symbols) is linked with the relevant branch and BSM or BM
Is the assignment of user rights based on pre-defined roles?
Are conflicting roles assigned to any individual?
Are dormant activation rights / role assigned to authorized staff only?
Is entry and authorization both rights given to any staff?
Are Tellers assigned Duplicate Account Statement printing rights in system?
Bi- Annual Review of User Roles
Are defined IDs and assigned roles reviewed at least semi-annually, with a
formal sign-off by responsible business owners?
Are Exceptions (e.g. privilege change, disablement, etc.) if any, reported by the
business Head to Head IT Security & Risk management?
Creation / Modification of User Id
Are only rights/roles that formally requested assigned to the IDs?
Transfer/Termination/Resignation of Employee
Does branch intimate to HR for any resignation or transfer?
Does ID Management Team Coordinate with employee to disable his/her User
IDs?
Does ID Management Team enable the employee ID on his day of join-back
once the employee sends an e-mail request for enabling the ID?
Does employee notify the ID Management Team immediately if there is any
change in his / her leave plan for necessary rectifications?
General
Ensure role / user ID rights not allocated without required approvals.
Have all employees given mandatory sign-off to Employee IT Security Guide?
Is assignment of conflicting rights/roles restricted to a specified period?
Org structure Procedures
Obtain latest approved Organization chart of the branch. Ensure present set-up
is in accordance with it.
Ensure that up to date job description of all employees are in place, which are
duly signed by the employees and approved by the competent authority.
Ensure that casual Leave being only emergent and incidental in nature may not
be allowed for more than one day at a time. Any need, for absence of more than
one day from work, shall be accounted for by taking Privilege/Annual Leave
Ensure that sick Leave where availed for more than three (3) days at a time must
be supported by a medical certificate from a register physician confirming the
employee’s inability to attend office.
Ensure that rotation of branch staff between branches, at least once every three
years subject to justification
Ensure that branch staff follow no smoking policy.
Ensure that proper leave record is maintained, and staff avail the leave
according to the HR Policy.
Ensure leaves taken are in accordance with bank’s policy and PL must be
availed for 15 days without break at least once during the year.
Ensure that in case of carryover of PL up to a maximum of 10 working days be
allowed by end of April endorsed by the Functional Head in concurrence with
Head of HR.
Ensure current year leave roster is on record and the same was sent to HRD,
HO.
Ensure that all the leaves should be updated in HRMS which should be
approved by line manager.
Ensure that staff follow the HR circular dated: 16-04-19. regarding dress code.
Ensure handing over / taking over procedure followed at the time of staff
transfers / resignations ?
Ensure staff wear bank I.D cards during officer hours.
Ensure that branch is not reimbursing hospitalization expenses. The same
should be done through Insurance Company.
Check if branch is maintaining attendance register of staffs by mentioning Serial
number, Name of Employee, Employee number, Grade/resignation. As per HR
circular dated: 11-04-18.
Ensure that the branch conducts training courses / workshops to give a clear
understanding of the SOPs to bank staff.
Check BSM has raised the request of BM authorization (Limit authorization),
before proceeding of leave.
Check In case BSM is not available in the branch then AOM has raised the
request for issuance of system ID to his backup.
Check limit enhancement request has not raised by BM himself.
Check that proper back-up arrangement of the staff should be made by the
branch.
Check business continuity plan properly maintained and tested.
Obtain the Business Continuity Plan of the branch and assess whether it is
properly and timely updated.
Is fire drill carried out periodically?
Does the branch staff familiar with the BCP details?
Check for any internal & regulatory policy & procedure update
Check that supervisor’s details of staff are correct showing in HRMS
Check if staff resumed the office during approved leaves following the process
Notice Board
Has the branch license displayed
Has the foreign currency dealing license been displayed?
Ensure that latest Profit Sharing Ratio & Weightages are displayed.(Only for
Islamic Branches)
Ensure that updated Shariah Certificates / Fatwa.
Is circular regarding Timeliness of Pension Payments through Direct Credit
System displyed.(SBP C & CPdCircular letter No 01 dated 13-04-2017)
Have the latest deposit / consumer lending rates been displayed? (SBP BPD
Circular No 6 dated 04-07-2006)
Has the bank’s current schedule of charges been displayed?
Is the FX services provided by the bank on account of travel, medical and
education services notice display.
Is FE circular number 8 of 2015 displayed for public awareness regarding travel,
medical and education services provision.
Is FBL whisle below poster (Raise your voice) displayed at branch?
Is the latest foreign currency rates list displayed?
Is circular for information of IPS accounts displayed by the branch as required by
SBP circular FSCD 18 0f 2010?
Is the latest draw list of National Prize Bond displayed? (Conventional branches)
Is the circular/information regarding introduction of BBA (Basic Banking Account)
displayed?
Is branch / place name displayed on bank signboard. As required by branch
licensing policy issued vide BPRD circular No.4 dated May 24, 2016
Is list of crises Management displyed.
The bank will provide option to existing BBA Account holders (Opened in
predefined neutral category) to convert their account to Asaan Account (Current
Category only) with prior consent of account holder and convey him T&C for
Asaan account. Notice to this effect will be pasted on notice board in branches
Is the emergency telephone numbers list displayed at prominent place?
Is Contact details of SBP Facilitation Centre displayed BPRD 31 2008?
Is dedicated help line (UN number) for consumer customers displayed at notice
board.
Are utility bills accepted here signage and timing displayed?
Is the following information displayed at cash counter?
* Soiled and Defective currency notes are accepted.
* Check your cash before leaving counter, bank will not be responsible after
leaving the counter.
* National prize bonds are purchased and sold here.
is standardization of Customer’s Cheque Layout broucher displayed. As required
by SBP through circular # PSD Circular No. 01 of 2014
Is the circular/information regarding PRISM displayed?
Is the poster regarding ‘Banking Mohtasib’ placed prominently?
Are Q & A leaflets and specially designed complaint forms for Banking Mohtasib
available?
Is notice of working hours and functions to be performed displayed in branches
opened on Saturdays?
Is form “C”, National Tax Number, Branch Working Hours displayed on the
notice board?
Is notice for submission of copy of valid CNIC displayed on notice board?
Ensure that latest list of “Unclaimed Deposit” displayed at a prominent place in
the branch.
Informative Posters for Public Awareness and Handing over of Counterfeited
Currency Notes as per BPRD CIR. NO 8 OF 2007
Notice informing general public that all currency notes bearing slogans of
political, religious or commercial character cease to be legal tender and SBP will
not receive or exchange and refund the value of such currency notes. (SBP
notification IDD/1425/2(18) A-2014 of September 2014)
Features of currency notes displayed for public information.
Is notice for "Agriculture Loan Available Here" displayed in regional and Urdu
language? Where applicable.
Is notice of information the security arrangements on withdrawal of Rs1M and
above displayed as per Punjab Govt. notification?
Are the latest audited Financial Statements of Faysal Bank Limited displayed.
Is the FBR's notice of ‘Online Collection of Govt. Taxes & Duties via internet
banking or ATMs’ displayed inside branch premises and/or ATM room. FD
Circular Letter No. 03 / 2018
Is the banner or panaflex bearing the description “DONATIONS TO THE
SUPREME COURT OF PAKISTAN’S DIAMER BHASHA AND MOHMAND DAMS
FUND ARE ACCEPTED HERE”. displayed in the branch
Record Retention
Ensure that record of any suspicious transaction reported by the bank retained
till the bank gets permission from SBP. (As per required by prudential regulation
M-3).
To ensure that bank records are maintain for a minimum period of five (5) years,
all necessary records on transactions both domestic and international.
Check that proper seating arrangement, drinking water, special assistance and
due cared is provided to the senior citizens/ pensioners and special person and
make arrangements of separate counters for pensiners/senior citizens//special
persons (In terms of BC & CPD Circular Letter No. 02 dated 1st June 2016, BC
& CPD Circular Letter No. 02 dated 4th December 2015 and BC & CPD Circular
Letter No. 02 dated 13th February 2014 and BC&CPD Circular Letter No. 01 of
March 16, 2018.
Returns
Ensure that all the foreign exchange returns submit to SBP by the 3rd of the
every month (violation of Chapter No XXII Para 5 of F.E Manual)
Check that FDD issuance transactions is reported in Statement S1 (Schedule
E3/P3) in Foreign Exchange Return System (ITRS)
Staffing & back-up arrangements
Ensure that proper back-up arrangement of the staff should be made by the
branch.
Ensure business continuity plan properly maintained and tested.
Obtain the Business Continuity Plan of the branch and assess whether it is
properly and timely updated.
Obtain the regular test result of Business Continuity Plan to ensure it is regularly
tested
Is fire drill carried out periodically?
Does the branch staff familiar with the BCP details?
Management Information System
Are service Quality TATs being observed?
Is visitor (vendor) log book properly maintained at branch?
Is "Save As You Earned Policy" followed by the Branch?
An intensive exercise has been carried out to reduce the usage of printers
to comply with the paperless environment,
To reduce power 3KVA UPS installed in branches which will save energy
and cost
LED lights fixed to reduce electrical consumption.
Check Installation of DC Inverter AC along with circulation fans.
Minimize usage of diesel generator by operating AC on UPS with longer
back up time,
Are ATMs converted to renewable energy sources?
Setting of central heating and cooling system thermostats to 20°C or lower
in the winter and 22°C or higher in the summer
Lights and appliances are switched off, when not in use
Dimmers and motion sensors available on lights where possible to control
electricity use
Replacement of old appliances with ENERGY STAR appliances
Instalation of awnings, tinted window film, and green cover (trees, vines)
to reduce a building's heat gain
Installion of solar tubes to reduce the need for indoor lighting, particularly
in interior rooms
An inventory is maintained for consumption of resources like electricity,
water, petroleum, paper etc. and send to Regional/Head office for the
necessary action where required
Special green logos along with text ‘Green Branch’, are displayed on the
hoardings above green branches and on the notice boards within such
branches
INWARD CLEARING
In morning the inward clearing file is extracted by the Supervisor / Assistant
Manager of CPU clearing from dongle.
Branch wise sealed bags are received in inward clearing from NIFT by 8:30 AM.
Counting of instruments and verification with NIFT scroll will be carried out. In
case of any difference CPU shall inform NIFT in writing or via e-mail to rectify
errors.
Checking of instrument regarding amount, matching of words and figures and
verification of customer signature
To ensure that Cheque, PO/DD above Rs 300,000 should be analyzed in
ultraviolet light by CPU.
To ensure that transactions should be authorized / approved as per predefined
limits as mentioned in SOP.
User Upto Rs 0.5 M
Supervisor Upto Rs 1 M
Assistant Manager Upto Rs 2.5 M
Manager CPU Above Rs 2.5 M
In case of dormant account the same will be invariably returned by CPU.
However cheque may be cleared from account marked “Whereabouts Unknown”
on the basis of respective BM / OM approval.
CPU will forward all Solitaire cheques (if specifically issued on designated
solitaire cheque book) irrespective of amount and other above 500K to branches
(where signature differs) & in case fate is not received by 12:00pm the same will
be returned to NIFT / SBP. BM or Regional Manager is required to make Call
back confirmation and review signatures on BSM’s station and inform CPU via e-
mail to process the same based on customer request.
To ensure that call back confirmation >= Rs 1.00 M should be obtained from the
respective branches / BSMs through e-mail.
To ensure that respective branch will confirm notification of the same on the copy
of instruments with two authorized signatories. the same should be received
within 30 minutes from the time it was sent by CPU. In case confirmation not
received from any branch within 30 minutes, CPU will post the cheque in system,
if otherwise in order
Ensure that Corporate customers cheques are referred to respective
Relationship Manager / Team Leader for approval in case sufficient funds are not
available in the account.
To Ensure that if funds have not been available by 12:00 p.m CPU, will return
such instrument with specific reason.
Cheque Return memos will be prepared in accordance with Returns Code list
provided under Annexure C of PSD Circular# 03 dated 21th Sep,217 and all
returned cheques will be entered in branch wise excel based cheque returned
register.
To ensure that if the cheque are not paid due to any reason will be returned to
concerned banks alongwith a “Return Memo” mentioning the reason for not
honoring the cheque and the same will be signed jointly by CPU officer along
with Assistant Manager or Supervisor of CPU.
Ensure NIFT return bundle is prepared stating total number of instruments along
with consolidated amount.
Ensure CPU has reversed the cheque return charges after the approval of
competent authorities.
To ensure that ambiguous reason not mentioned on returned memo.
To ensure that cheque returned charges will be recovered manually due to
insufficient funds.
To ensure that copies of branch wise returned instrument will be filed and kept at
appropriate place by CPU.
To ensure that upon realization of funds in outward clearing, inward normal
clearing, CPU, clearing by debiting “Deposit Settlement Account”
Ensure Instruments will be placed in a sealed bag and handed over to NIFT
representative.
Test whether in case of any difference between the total amount of cheques and
NIFT Inward Clearing sheet, all posting will be checked through daily branch /
officer report and pre-consolidated report to identify the difference.
Check the application of paid and signature verification stamp through UV
scanner and preparation of date wise packets of paid cheques is carried out.
Application of paid and signature verification stamp through UV scanner or
through printer and preparation of date wise packets of paid cheques will be
carried out.
Packets of all cheques must be stitched in Bundles and appropriately kept in a
proper place for future records
Check balancing in system is initiated by adding total amount of realized and un-
realized instruments, If same match with NIFT inward clearing sheet then, only
then clearing is balanced.
Pay Order received against returned instrument will be lodged in Outward
Clearing by CPU, Clearing for onward credit to the deposit settlement account.
Upon realization of funds in Outward Clearing, inward normal clearing account
will be credited by CPU, Clearing by debiting "Deposit Setlement Acount" to
settle the difference in inward clearing account ue to cheque returned after
clearing hours.
CPU will provide photocopy of Paid instrument on receiving request from
Collecting Bank.
To ensure that all inward clearing transactions must be checked by the
Supervisor through daily branch / officer report and pre consolidate entries
report.
If any cheque is to be returned after clearing hours due to insufficient balance or
any other reason, CPU, Clearing will immediately inform the Branch Manager /
Branch Service Manager of cheque presenting bank over phone to hold funds in
beneficiary’s account to avoid any possible losses.
In such case CPU will prepare letter to cheque presenting bank by CPU claiming
funds through pay order against the returned instrument. Such letter must be
signed by the Manager CPU with authorized signature number.
After balancing of inward clearing, inward clearing settlement will be debited by
crediting normal inward RTGS account and CPU will then debit normal inward
RTGS account & credit respective settlement account.
CPU would then debit normal inward RTGS account & credit respective
settlement account
To ensure that payorder received against instrument will be in deposit settlement
account, and upon realization of funds in outward clearing, inward normal
clearing account will be credited by CPU.
To ensure that all the inward / outward clearing settlement / suspense account
should be balance / reconciled on daily basis.
Check all inward clearing transactions are checked by supervisor/ department
head through daily branch/officer report and pre consolidated entries.
All same day clearing cheques (11:00 AM) and intercity (10:00 to 1:00 PM) will
be processed through afore mentioned procedure.
OUTWARD CLEARING
Ensure CPU, clearing prior to acknowledging the receipt of cheques must
verify the number of instruments and deposit slips physically with that
mentioned on branch’s IoM.
Ensure the designated staff of CPU is affixing received stamp (with date and
time) on the IoM to acknowledge the same
Ensure Bag (s) are be picked up by NIFT’s authorized rider from CPU, Clearing
at cut-off time as advised by NIFT from time to time.
Check whether designated user in CPU, Clearing compile MIS batch wise for
uploading in the system in the morning of next working day/clearing day.
Check whether designated user in CPU match branch SOFT copies with NIFT
scrolls.
Check whether supervisor upload the transactions branch wise with CQCC
transaction code, the same to be executed through upload option in Third Party
Module of SYMBOLS 8.5. (There is no transaction threshold of amount while
processing through upload)
Ensure all BT related transactions (PSO/ Credit Cards) are posted manually by
the designated staff and subsequently authorized by the supervisor.
Check upon receipt of outward clearing return alternatively CPU prepare soft
copy of all debit vouchers (branch wise) through system upload option using
transaction type CROC on required format on account of cheque returns for
outward clearing with CQCR transaction code and execute the same through
upload option in Third Party Module of SYMBOLS 8.5.
Check whether transactions (Credit or Debit) which are rejected after processing
through upload option due to any restraint, error or reason what so ever are
posted manually. Check whether all such manual postings are authorized by
CPU supervisor as per transaction limits.
CPU will ensure that Payee account is credited against the proceeds of the
instrument lodged in overnight clearing before the Close of next business day.
Ensure whether system is generating report on debit vouchers for all debit/ credit
transactions & cross checked and signed by the user, supervisors /Assistant
Manager of CPU, Clearing.
Check whether outward clearing is considered balanced if the total amount of
realized instruments & returned cheques is same as NIFT outward clearing
sheet.
Check whether difference between total amount of outward clearing & NIFT
sheet is identified through daily branch officer report.
Ensure that after balancing of Outward Clearing entries with NIFT clearing sheet,
outward clearing settlement GL is credited by debiting normal outward RTGS
with a consolidated amount.
Check whether CPU, clearing is debiting respective settlement account &
crediting respective Outward RTGS account.
Ensure whether deposit Settlement Account is credited by CPU- Clearing upon
realization of Inward Collection cheques in Outward Clearing.
Check whether CPU Collection is debiting Deposit Settlement Account and
crediting relevant COC settlement account to settle Inward Collection cheques
transactions in the system.
Ensure an excel sheet is being created, showing amount & account numbers
and reasons for all instruments returned in Outward Clearing & uploaded on FBL
internal portal on the same day of return of instruments.
Details of all returned cheques will also be noted in Branch wise excel based
Cheque Returned Register.
Returned Instruments should be handed over to authorized staff / rider of the
branches
Branch wise deposit slips / voucher bundles will be prepared and stitched by
CPU- Clearing and kept in a fire proof cabinet at an appropriate place
Check whether designated clearing staff cross check all transactions through
system generated report of third party Module to ascertain the accuracy and
genuineness of the same day transactions respectively.
Check whether evidence of the same is provided by signing respective checker,
supervisor, assistant manager/ manager on the hard copy as per assigned limits.
This must be, without exception, performed daily.
Ensure whether reconciliation of RTGS A/C (outward/inward) is carried out daily
and evidence of the same is provided by supervisor/Assistant Manager CPU-
Clearing supported by his/her full signature. Moreover, all suspense accounts
must be monitored on daily basis.
Ensure crossed/payee account cheque verified with the title of account in which
it is deposited.
Ensure cheque drawn on dormant account should invariably be returned.
To ensure that Transactions should be authorized / approved as per predefined
limits as mentioned in SOP.
User Upto Rs 5 M
Supervisor Upto Rs 10 M
Assistant Manager Unlimited
Manager CPU Unlimited
To ensure that transactions should not be authorized in the system unless
returned cheques are received from NIFT.
Ensure clearing stamp/endorsement stamp affixed on face/back of instrument
Check instruments received after 3:30 p.m are sent to CPU on next working day
Check in case of difference if any, same corrected by CPU & informed to Branch
via e-mail
Check crediting fate against instruments initiated in after noon by user in
accordance with assigned crediting limits as mentioned in Process flow
In case of fate received against dormant/blocked marked account, Same should
be credited in “deposit settlement account” until account marked active by
respective branch.
After balancing of outward clearing with NIFT clearing sheet. CPU will directly
debit SBP Nostro account with outward clearing GL account
Branch wise deposit slips and voucher bundles are stitched by CPU and kept in
fire proof cabinets.
Cheque returned in outward clearing are kept under dual custody till next
working day under fire proof cabinets and same collected by respective branch
riders under acknowledgement in cheque return register.
To ensure that CPU will accept US$ cheques for clearing that are drawn on
banks located in Paksitan.
The cheques received from various branches on Thursday, Friday will be lodged
in USD-Clearing on Monday. Likewise, cheques received on Monday till
Wednesday will be lodged on Thursday
Ensure while accepting cheques for clearing, they are properly scrutinized before
their lodgement.
To ensure that clearing stamp should be affixed on face of the cheque and
"Endorsement Confirmed" stamp back of the cheque duly signed by the
authorized signatories
In case of clearing stamp of any other FBL Branch / Bank, the cheque receiving
officer will check the reverse side of the check for duly authenticated clearing
stamp cancellation
To ensure in case of any discrepancy, the concerned officer email the OM/BM of
the respective branch for rectification. Cheque will be returned to the branch for
rectification of advised discrepancy through courier/by hand delivery to
representative of the branch.
To ensure that charges should be recovered manually as per SOC.
For USD clearing cheques (both conventional and islamic customers),
designated staff of CPU will debit SBP local FCY Clearing account and credit
OUTWARD CLG SETTLEMENT NORMAL account with net USD Clearing
amount .The same will be reported to Treasury (TBO/TFO) on date of processing
i.e. on Mondays and Thursdays via email by CPU.
To ensure that copies of retuned cheque alongwith return memo should be kept
for record purpose.
To ensrue that cheque received in FCY Inward Clearing should be properly
scrutinized.
Customer signatures should be verified as per assigned limits.
To ensure that if cheque is in order CPU will debit the customer account and
credited US$ deposit settlement account. For Islamic branch CPU will relay MT
202 for debiting Islamic Nostro Account.
If the cheque is returned for any reason Return Memo should be signed by the
Supervisor/Asst Manager CPU along with returned memo handed over the NIFT
authorized representative and copy of the same will be filed for record purpose.
Cheque returned charges can be recovered as per SoC.
To ensure that paid cheques should be kept with daily vouchers in fire proof
cabinets.
PRI Remittances
Obtain list of authorized branches & authorized/active agents for processing of
FRC transactions.
Check system unique login IDs and password provided to desiganted staff to
access the application. Does system restrict them to change it with regular time
interval for password protection reason.
Test does remittance data provided by the Exchange companies or foreign banks
through web or e-mail etc is aligned with SBP format which includes.CM
containing payment details as per agreed format provided by SBP. (i.e. details of
beneficiaries, remittance amount, remittance key, mode of payment etc).
Test does system's generated receipt bears Remittance Identification No. (RIN)
on both customer's & bank's copy.RIN can be generated either by FRC or
Exchange company.
Did Financial Institution forward all set of documents for Account opening of
Exchange companies/Foreign banks to CAAML for approval?
Are the SBP approval sought from SBP for opening of Exchange compnay /
Foreign Bank Account.
Test does FRC system also generates Unique tracking No for transaction tracing
in SYMBOLS.
Test does remmitter name & beneficary name is checked for OFAC & UNSC list
by FRC system prior funds transfers to beneficiary.
Check does CMO timely update OFAC & UNSC list as and when notified by P&P
(Policy and Procedure function) via e-mail.
Test does name of remitter,his sources & purpose of funds are provided by the
exchange Company/foreign bank for AML/KYC purpsoe at FBL end.Test soes
AML/KYC is performed for FBL a/c holders.
Check in case of beneficiary name not verified under OFAC or UNSC list, CMO
has obtained relevant information (date of birth, nationality, place of birth &
Address) from remitting bank.
In the case of a Potential Match where CMO user is unable to validate
transaction on the basis of Secondary information (DOB, Father Name, Address)
they may report the incident to AML Team for guidance. Exact Match transaction
will be reported to AML team as per CAAML Procedures and the transaction will
be Rejected.
Check in case of positive hits under OFAC/UNSC funds remained held in PRI
sundry account till the information is not provided from Exchange Company /
Remitting bank.
Test if payments are made through PO to the beneficiary, check PO issued within
24 hours of the receipt of funds by FBL via CashLink. (FE Circular No. 04 of
2009).
Check that FRC filtered Instruments issuance transactions shall be uploaded in
CashLink / CBS for digital PO issuance and dispatch to address mentioned in
RDD.
In case of Payment Order return (due to mismatch of address or any other
reason), it shall be communicated to Exchange Company/Foreign Bank within 24
hours on receipt of return mail.
Test applicable FED on issuance of PO are bourne by FBL
Test on the day of RDD received from exchange company same was processed
same day. Incase RDD is received after banking hours, it shall be processed on
the next working day.
Test PO issued after 6 months are moved into Unclaimed deposit account. Test
all such PO are paid after revalidation.
Test In case any instruction is not validated through any rule, it has parked in the
repair queues. Further, any transaction rejected from direct Credit or other Credit
would require data repair will also land here. And the same shall be
communicated to respective Exchange Companies / Foreign Banks by CMO.
Test all transactions landed in different types of ques are prompltly handled by
CMO
Check that exchange company's consent has been obtained over debiting their
account for payout through sundry.
Check that the OFAC & UNSC screening of beneficiary & remitter has been
conducted or not.
Test in case beneficiary's account stand Closed, CMO user has hold the
transaction in FRC and manually refunded to remitting bank.
Funds remitted =<2.5M Rs. are subject to EDD. Transactions purpose reflective
of commercial nature are subject to be reported to AML team as internal STR
immediately after processing of the transaction. Transaction should not be
stopped to avoid tipping off to customer that an internal investigation is under
process.
In case of any dispute a informative restraint should be mark on the account.
Ensure that the purpose of remittance is clearly mentioned in the transaction and
is indicative of home remittance (the essence of PRI). Any purpose reflective of
commercial nature should be reported to AML Team as internal STR immediately
after processing of the transaction. Transaction should not be stopped to avoid
tipping off to customer that an internal investigation is under process.
Check does CMO send monthly MIS of all PRI transactions above Rs. 2.5M
received during the month to AML Team.
Test in case of transactions cancelled on request of exchange company/foreign
bank but after crediting into beneficiary account consent from beneficairy was
obtained prior refund to the bank/exchange company.
Test all transactions are reconciled on daily basis.
Test audit logs which includes:
1) Transaction activity log tracking no./ID wise.
2) User activity logs with respect to activities
3) Error Log for all errors are maintained by function
Check all PRI transactions are reported to SBP on their prescribed format with
regular intervals
Enquire about the training provided to BM/BSM regaring PRI & FRC during the
year
Enquire & get aware about performance the FBL website link used for tracking of
remittance payments.
Ensure that complaint management module is allowed users to submit their
COTC queries.
Test method of calculating rebate on FRC business for accuracy, claim lodged &
claim receipt in bank books
Enquire about the Remittance payment files if available at CMO, then test payout
forms.
Internal Transfers in Bulk
Obtain list of Cash link customers & evaluate/asses their voulume of business for
sample selection.
Obtain list of Cash link customers on-boarded & off-borarded during audit
tenure. Test customer's ID were disabled.
Test that transactions received till 04:30 processed same day and for tansactions
Involving more than 250 accounts processed by next working day
Test scrutiny of Transaction done by the CMO user and ensure that all the
credentials including time stamp, date, amount in words and figures, signature
verification, UV in case of cheques amounting to Rs. 100,000 & above,
beneficiary details, call back confirmation where required as per threshold
defined in SOP and funds are availble in customer account.
Test designated staff process the transaction in symbols - EOC module and user
print transaction batch report from the system and attach with the transaction for
authorization and cross checking by the authorizer
Test at the day end reconciliation to check that all transactions received in CMO
have been processed without any overlook
Test scrutiny of Transaction done by the user and check all the credentials
including time stamp, date, amount in words and figures, signature verification,
ULV in case of cheques amounting to Rs. 100,000 & above, beneficiary details,
call back confirmation where required as per threshold defined in SOP.
Check supervisor authorized tansactions in system through pay order module
Test CL PO outstanding report and GL account balance are checkded on daily
basis on next working day.
Test at day end reconciliations carried out to check all transactions are
processed without any overlook.
Pay Order Cancellation
Check bulk cancellation request catered by CMO accompanying Client written
request signed by authorized signatories with Original Payorders
Test in case of beneficiary is a Government organization / autonomous body /
Semi autonomous body / DFI / NBFI, discharged from the beneficiary with proper
stamp and signatures of the discharging authority obtained.
Test funds are credited in the same account from where the POs were issued
and, user affix “CANCELLED” stamp after cancellation on the face of instrument
Test supervisor authorises transactions and put his initials on the request
Duplicate Issuance of Lost Pay Orders
Test Incase of PO lost reported,Client has provided written request signed by
authorized signatories together with an FIR as prescribed by SBP.
Test customer’s indemnity on legal bond paper as per the bank’s format along
with the request for issuance of duplicate PO issuance is obtained
Are the duplicate PO issued with the narration “Issued in Lieu of Lost PO
Issuance of LCY DDs in Bulk from TCSS/SYMBOLS Account
Test scrutiny of transactions is done by CMO user and ensure that all the
credentials including time stamp, date, amount in words and figures, signature
verification, ULV in case of cheques amounting to Rs. 100,000 & above,
beneficiary details, CBC etc where required as per threshold defined in SOP
and funds are availble in customer account.
Test LCY-DD are issued by FBL payable at HBL branches as per our agency
arrangement.
Test LCY-DD of over & above Rs. 200,000/- are issued by CMO on basis of IOM
received by CMO-South via fax or email (followed by original IOM) mentioning
the required details of DD
FCY DDs Issuance
Test DD Issuance Request received at CMO through CSC / branches as original
or scanned image through e-mail scanning module
Test transactions scrutinized by the user all the credentials including time stamp,
date, amount in words and figures, signature, ULV in case of cheques,
beneficiary details & CBC whereever required.
Check CMO supervisor ensured treasury reporting in place before processing
the transactions.
FCY DD Cancellation / Treastment of Lost Pay Orders
Test & evaluate on issuance of FDD funds are moved from DD payable account
to Nostro account by TBO. Movement of funds to Correspondent bank and
Test customer’s indemnity on legal bond paper as per the bank’s format along
with the request for cancellation / lost FDDs obtained
Test cancellation all FCY-DD outstanding checked from the reconciliation unit
Test for lost FCY-DDs,SWIFT message was send to drawee bank for their
confirmation on the status of the cancelled DD
Are the processor issue a duplicate draft with the narration “Issued in Lieu of
DD# .....”?
Cash Link Transactions
Test the designated staff at CMO run the "Transactions report" on CL to verify the
transactions in printing queue:
• For Pay Orders / Drafts, transaction status “PAID” appearing in the report.
• For Cheques, transactions status “PAY” appearing in the report
Cash Link Cheques
Check instruments printed at Client's premises do not carry authorized
signatories however cheques printed at bank's end carry's authorized
signatories.
Test Cheque transaction printing rights are availble with the authorized CMO
users and can print the cheques for individual transactions or select print check
box for printing all instruments of the respective customers.
Test CMO user print the report and ensure that all cheques appeared in the
report has been printed as per the customer’s request received in the system
Test CMO delivers the instruments to Branch / CSC officer / Customer’s
authorized representative or deliver through bank rider at their premises after
obtaining acknowledge on the printed report.
Test Cheques not presented wihin period of six months/time barred instruments
are automatically marked as stale in CL. On presentment, system will prompt
error that this cheque cannot be cleared and needs to be re-validated.
Cash Link Pay Orders / Demand Drafts
Test after the approval CMO user can print the PO/DD and also print the report
and ensure that all PO/DD appeared in the report has been printed as per the
customer’s request received in the system
Test Unclaimed PO are surrendered to SBP after Completion of 10 years.
Processing of Structured Collection
Test designated staff properly scuritinizes cheques, deposit slips from clearing
departmnet / branches / drop box / customers
Test supervisor authorises transactions in GTS Cheque Collection module after
proper scrutiny and then run transfer data in the system for outward clearing.
Are the CMO staff scanning all the Instrumenst lodged o nClearing & Collection.
Others
Test all income generated via CMO are tagged to profit center of CMU under GL
Test bulk pre-printed stock of security stationery is kept in safe vault under dual
custody & balancing is carried out on monty rhly basis with noting in security
stationary register.
Review the delivery process of printed instruments at FBL as well as client
premises and identify potential deficiency if any.
Test audit shall logs are maintained for 1) Transaction activity log transaction
no. wise. 2) User activity log with respect to activities performed
Test designated Officer/Assistant Manager/Manager of CPU upon receiving DSC/SSC
issuance application must ensure that application is duly filled in all respects
Test whether processing user process DSC/ SSC issuance application after
proper scrutiny.
Test user enter the details of certificates issued in excel based stock & sale
register & on the application form.
check that excel based record on fortnightly basis is maintained duly signed by
concerned officers and supervisor/manager
Test designated User of CPU to issue Sale / Registration number on the
application and also write the same on the certificates with date of issue and full
name of the applicant / beneficiary
Designated Officer/Assistant Manager/Manager of CPU must ensure that all
DSCs/SSCs issuance applications processed during the day are appropriately
filed based on registration number wise in box files and kept in fire proof cabinet
under dual custody at the end of each day
Does designated supervisor verify amount of SSC / DSC sale account on daily
basis
Does Supervisor CPU submit sale statement to State Bank of Pakistan (SBP)
Public Debt Office as per the format (annexure A) along with SBP Cheque by
debiting DSC/SSC Sale Account and does Treasury also be reported with the
same amount
Designated staff at CPU or Supervisor will submit the month wise sale report on
the prescribed format (Annexure I / J) to SBP on or before 7th of every month
after completion of 90 days
Manager or Supervisor must ensure that sale/encashment/premature
encashment report is submitted to SBP by the next working day for the
preceding day
Likewise, statement of certificates transferred & duplicate issued will also be
reported to SBP by the next working day for the preceding day
Government Securities
Check stock of SSC/DSC certficate are physically balance with the balance as
per stock card or stock register.
For obtaining fresh stock of SSC/DSC from CDNS sale report in annexure H for
previous quarter has been verified from SBP prior obtaining stock with fresh
indent.
Test stock cards are updated as soon as receipt of fresh stock and same are
kept under dual custody.
Test how does CPU manager ensures daily balancing of stock in hand.
Test does Commission @0.50% were claimed from SBP 90 days after the
completion from date of issuance of certificates.
Test does CPU carry out monthly balancing of amout receivable from SBP on
account of SSC/DSC encashements and profit already/earlier paid to customers
Though DSC/SSC are encashable at par any time after one month from the date
of purchase. Test no profit is paid if encashments were made before completion
of one year & six months for DSCs & SSCs respectively.
Test that appliacble WHT @10% recovered from income tax filers & Non filers
respectively & Zakat@2.5% was dedcuted at the time of encashment from
investments(Principal plus profit) since July-2015 including investments of Rs
150,000/- and below since after 1/7/2013
Check that Designated Officer/Assistant Manager/Manager of CPU upon
receiving DSC/SSC issuance application must ensure that application is duly
filled in all respects.
Check that Once the relevant financial entries are passed, designated user will
issue the certificates and enter the details of certificates issued in excel based
stock & sale register & on the application form and print out of excel based
record on fortnightly basis will be maintained duly signed by concerned officers
and supervisor/manager.
Ensure that Designated User of CPU to issue Sale / Registration number on the
application and also write the same on the certificates with date of issue and full
name of the applicant / beneficiary.
Check that Designated staff of CPU, would also affix “Issued on_______” stamp
on customer’s application mentioning date of issuance of SSCs/DSCs and initials
on issuance application
Check that Designated staff of CPU would forward relevant customer’s
application along with certificates to the concerned Assistant
Manager/Supervisor of CPU for his verification.
Check that Concerned Assistant Manager/Supervisor will thoroughly review and
cross check all the details mentioned on customer’s application against issued
certificates and mark their initials on the customer application.
Designated staff or Respective Supervisor of CPU to ensure dispatch of original
certificates along with copy of processed application through approved courier
services (where required) to the attention of Branch Manager or Branch Service
Manager of concerned Branch on the same day of issuance of certificates or
latest by the next working day. CPU must also ensure to obtain
acknowledgement from Branch Manager or Branch Service Manager to this
effect via email.
Designated staff of CPU must ensure marking of date of dispatch /
acknowledgement right next to the details of certificates in relevant register prior
to sending / handing over original certificates to the concerned Branch /
authorized representative of concerned Branch (based upon production of
authority letter signed by two authorized signatories.
Designated Officer/Assistant Manager/Manager of CPU must ensure that all
DSCs/SSCs issuance applications processed during the day are appropriately
filed based on registration number wise in box files and kept in fire proof cabinet
under dual custody at the end of each day. At the end of day total amount
entered in the sale statement must match with the balance lying in SSC / DSC
sale account. Designated supervisor must verify the same on daily basis.
Ensure that On the next working day, the designated officer or Supervisor CPU
will submit sale statement to State Bank of Pakistan (SBP) Public Debt Office as
per the format (annexure A) along with SBP Cheque by debiting DSC/SSC Sale
Account. Treasury will also be reported with the same amount.
Check that proper entries are passed by the designated officer of CPU while
depositing SBP cheque to Public Debt Office
Test DSC/SSC issuance request received by 4.00 p.m. were processed on
same day, late receipts to be processed on next working day
Check that all discrepant issuance applications would be sent back by CPU to
respective Branches without processing, followed by an e-mail to the attention of
Branch Manager and Branch Service Manager of respective Branch mentioning
the specific reasons for returning the issuance application.
In case of transferrable/re-issuable cases test SSC/DSC are transferred/re-
issued from one person to another or to legal heir by applying on the prescribed
form (Anx F) and succession certificate in case of deceased customer.
In case certificate is lost, or destroyed, the purchaser or his nominee(s) or
heir(s), as the case may be, are entitled to have duplicate certificates issued
from the issuing office on completion of certain requirements. Test formalities
including copy of FIR were obtained for value exceeding Rs 10,000, an
application mentioning reason of loss, prescribed fee for duplicate issuance and
indemnity bond of Value Rs 50/.
Designated officer of CPU while receiving profit coupons for encashment must
ensure that proper disbursement instructions are mentioned on the encashment
form.
Check that after scrutiny of encashment on profit coupons, profit will be paid to
the customer and entries are passed.
An email addressed to respective branch will be sent to the effect of having
credited the concerned customer account.
Test in case of premature encahement, duplicate issunace or transferred cases
same were reported on next working day to SBP.
Test that for encashement of SSC profit coupons or DSC same were properly
endorsed on the back of coupon by the applicant along with signing
encahsement form "annexure B". Further IoM signed by BM/BSM also held in
record.
Bank is required to disbursed principal/profit first to customer and claim later
within 7 days amount paid from SBP.Test whether same procedure is in place or
not
Test Claim schedule on "Annexure C" was lodged with SBP within 7 working
daysafter receiving WHT challan from FBR.
Settlement of claims for encashment /profit/commission from SBP will be
processed upon receipt of credit in SBP NOSTRO activity via RECON unit. In
case where credit will not have breakup detail of claims, same will be processed
upon receipt of credit advice accordingly.
Test that Certificates are properly endorsed by the applicant and proper
disbursement instructions were mentioned on encashment form, Certificates
were not under lien, having duplicate status, signature on back of instrument
matches with the signature on the face of the instrument and care in case of
unpaid profit coupon were observed.
Test In case Ramdan falls during the tenor of investment, Zakat has been
deducted once at the time of encashment @ 2.5% on the principal amount
(Face Value) of the SSC and in case of cumulative value of DSC
Test in trasnferred cases of SSC in the name from one person to another, profit
coupons were detached and defaced from new coupon book as already
enchashed by transferror during the tenor and are retained in record file of
tranferor.
Test SSC transfer charges were recovered from transferor as advised under
SOC
Test in case of marking lien favoring other bank. CPU has received discharged
certificate along with letter of lien from Customer via our branch. Test CPU has
assured customer signatures verification by respective branch.
Test that CPU has marked stamp of "lien mark in favor of---" on the each scrip
mentioning the date of lien marked and same noting were noted in respective
register.
Test supervisor of CPU has placed his signatures on the back of each scrip and
issuance application with FBL rubber stamp. Test also same filed branch wise
under dual custody.
Test while releasing lien marked earlier designated staff has affixed stamp"Lien
released in favor of---" stamp on the back of each srip and application.
Term Deposit Issuance
Test that a valid customer account is maintained at any of FBL branch prior to
issuance of TDR.
In case of large Corporate Deposits on selective basis especially whose full
movement of funds are envisaged at each maturity may be allowed if supported
by appropriate approvals as per Approvals matrix, but the KYC/CDD measures
including the documents for such person will be done exactly like an account
opening.
Test on sample basis that Account title on TDR and Account are same.
Check that original TDR application carry customer's name, account number,
amount in words and figure, desired tenor, instructions of maturity, settlement
and customer signatures on application. Test same have been verified by the
authorized signatory of branch. Test in case of TDR request favoring company
account, application bears Company Stamp.
Ensure that customer cheque for TDR application is not provided by customer.
Any cutting, overwriting or alteration on Term Deposit issuance application must
be supported by full signature of customer.
BSM/ or his her backup of concerned Branch while forwarding Term Deposit
issuance application to Central Processing Unit (CPU), Term Deposit must
ensure that customer’s account mentioned does not contain any restraint such
as Dormant, or Where about Unknown (WAU) etc. and sufficient balance is
available in respective account to process issuance of Term Deposit.
Check that in case of TDR booked at special rate written approval from
concerned authorities must be obtained from the concerned Group head and
attached with the applications.
Ceck that placement of TDR from photo accounts must be in presence of two
branch senior authorized persons from Branch Operations who will verify the
presence of customer and affix stamp of thumb impression verified and must
confirm customer in presence (CIP).
Ensure that original application is also sent to CPU, Term Deposit on the same
day or latest by the next working day
Ensure that the TDR relations with deposits of PKR 2M and above are not
classified as Pre-Defined Neutral
Process at Central Processing Unit (Term Deposit)
Test that designated staff of CPU has mentioned date and their initials by affixing
stamp "Issued on Date" on application.
Test that all Term Deposits processed during the day and customer’s application
were forwarded to concerned Supervisor for his review & approval.
Test that concerned supervisor reviews and cross check all the details mentioned
on application with system's generated TDR account report and made his initial
as evidence.
Designated staff of CPU Term Deposit shall courier the all Term Deposits receipt
confirmations (without any threshold limits) to customer's address available in
Bank's records and all dispatch records will be maintained accordingly. CPU TDR
shall also inform details of all returned TDR advices to concerned branch BSM to
follow whereabouts unknown marking process accordingly.
Test does CPU maintains an MIS for all TDRs issued diuring the day in
prescribed format as mentioned in retail banking procedure.
TDR applications processed during the day are appropriately filed and kept
under dual custody (as designated by the Manager CPU) at the end of each day.
No Term Deposit will be issued by CPU, Term Deposit with special rates unless
written approval of same from concerned authorities is provided by respective
Branch
No Term Deposit will be issued by CPU, Term Deposit with back value date
unless written approval from respective Regional Manager & Head Centralized
Operations is provided by the Branch.
All Term Deposit issuance applications received within the cut-off time (5:00 pm)
would be processed by CPU, Term Deposit on the same day, if otherwise in
order.
Applications received above cut-off time would be processed by CPU, Term
Deposit on next working day, if otherwise in order.
In case any request received from customer for issuance of duplicate TDR. CPU
TD will email duplicate certificate to Branch OPS team after receiving such
request which will be later on stamped as “duplicate” by branch before delivered
to customer.
Roll Over at Rack Rate
System shall automatically renew/rollover the Term Deposit Receipts on due date
where “W/O” (signifying renewal/rollover in the system respectively) is marked in
Term Deposit Account.
Designated staff shall generate the confirmation advices of
renewed/rollover TDRs on daily basis and send the same to respective
customers on their address as per bank’s record on the next working day.
Test that CPU staff cross verify renewed TDRs from CPU TDR account Report
on daily basis
Test that upon maturity does system automatically roll over principal plus profit
earned earlier.
Roll Over at Special Rate
Test that Approval for the special rates were obtained by the branch and copy of
the approval by competent authority together with Originnal customers's
instruction are kept in CPU record.
Relevant information & written approval of special rates from relevant approving
authorities (Retail/ Corporate/Commercial) for renewal/rollover of said term
deposit will be sent to CPU, TDR through fax/email/scanned copy) before one
day or maximum on the same day from the date of renewal/rollover followed by
original instructions through approved courier services or by hand deliver.
Concerned branches/business must ensure to forward DNR original instructions
to CPU TDR through approved courier services or by hand delivery on next
working day after execution of transactions
Designated staff will extract KM generated on daily basis & cross verify the
renewed TDRs from above report.
Test TDRs at special rates and without roll over instructions do not outstand for
single day at respective settelement account.
Renewal of Term Deposit Held Under Lien (Rack Rate)
Test that CPU staff, upon receiving renewal instructions from CAD ensures that
said TDR is renewed on the due date and generated from system.
Test that CPU ensures that "under lien" is immediately marked on renewed TDR
in system through deposit module & lien marked stamp shall affixed on the hard
copy and the same will be sent to CAD through courier or by hand delivery on
the same day.
Test that in case of TDRs under lien only principal amount has been renewed.
Payment at Maturity
Test that does system pay Principal plus profit earned minus applicable Zakat
and WHT in customers settelemnt account.
Test that designated staff of respective Branch would affix receiving stamp along
with initials on pre mature encashment instructions. Customer’s signature on
premature encashment instructions must be duly verified by the authorized
signatory of the Bank at Branch level. (BSM/SBSO)
Test that instructions received by 5:00 p.m are processed on same day if in order
otherwisesame will be processed on next working day.
Test that User or Supervisor of CPU, crosscheck premature encashment
instructions with details mentioned in TDR issuance MIS and mark date of
payment with initials accordingly.
Test that user affixed PAID "Premature Encashment On ........." stamp on TDR /
confirmatory advice and forward the same to supervisor for review and initials.
Test that profit would be manually(Excel based) & correctly calculated after
applying applicable profit rate.
Test that penalty charges are recovered as per applicable SOC of that tenure.
In case penalty amount exceeds profit earned, than profit must be paid at least
@ the minimum rate prescribed by SBP
Premature encashment penalty waiver and encashment on booking rate rest
with Head of Products in case of Retail & concerned business heads for
Corporate/Commercial.
Under Lien Prematured Encashment (Symbols)
Test that customer request for premature encashment of TDR after settling
liabilities for which lien was marked.
Test that prior release of Term Deposit, notation there against of "Collateral" has
been deleted by CAD in system, a confirmation to above effect will be sent by
CAD/CIU to CPU Term Deposit through an email along with settlement
instruction for pre mature encashment
Test that designated staff affixed PAID "Premature Encashment On ........." stamp
on TDR, customer original application, and mark initial and forward to concerned
supervisor for initials thereon.
Lien Marking on TDR
Upon receipt of lien marking request email from branch, Assistant Manager/
Manager of CPU TDR will check that lien marking TDR must be marked as Roll
over/ Renewal in system
Lien Removal on TDR
Check Upon receipt of email from CAD for lien removal, Assistant Manager/
Manager CPU TDR arrange to remove funds held restraint (LEN) from CPU AMU
in system (using 0100 Ids) on TDR account equivalent to TDR amount and same
the confirmed to CAD via email by CPU TDR
ACCOUNT OPENING
Have all the required fields of CRF including CPF & RAF been properly filled as
per scan documents?
Are required documents attached with account opening forms as mentioned in
Annexure I regulation R-1 and required stamps affixed thereon?
Has NTN been mentioned in the employment letter of salaried persons? [Where
applicable]
Is NTN verified from FBR website & proof of verification attached with relevant
for. If NTN is not verified from FBR website, has this exception been approved by
respective Regional Manager & account will be marked as IR.
Ensure that AMU maintained data of accounts rejected by compliance or CPU
Ensure that Once the original CRF & other relevant documents are received,
AMU reconciled these original CRFs and documentsand and send to archive for
filling
Does CPU designated staff verify CNIC/NICOP/SNIC/POC of the potential
customer(s) / Directors (in case of companies)? Are following credentials verified
through VeriSyS and evidence of having done so retained as hard copy with
respective CRF?
-Name should be matched as appeared in given ID document.
-Date of birth Date of issuance & expiry.
-Mother maiden name (individual natural person only)
Does CPU designated staff verify entity accounts have BRN expiry date as 31-
DEC-2999 where not available.
Does CPU designated staff maintain a list/MIS of all such customers/accounts
where the business relationship needed to be closed due to negative verification
after issuance of TAN?
Does CPU designated staff manually update the following in Symbols based on
the relevant documents as attached by the branch?
-SC Pack Type
-Maintenance Fee Type
-Individual Service Charge
-Zakat exemption
Does CPU Supervisor attach scanned copy of Specimen Signature Card in the
relevant module and enter the operating instructions as per CRF, SSCs and
Board Resolution?
Does CPU designated staff generate Letter of Thanks through system and
dispatch the same to customer at given address through approved courier
services. Copy of Letter of Thanks must be attached with relevant CRF and
maintain Proof of Dispatch for record purpose. & entry to this effect will be
recorded in outward mail register/MIS would be maintaine?
When Letter of Thanks returned undelivered with the reason customer's address
is incomplete or incorrect or consignee shifted or no consignee available at given
address etc. Concerned Assistant Manager or backup officer of Account
maintenance would first cross verify the customer's address from source
document & if found correct immediately mark the restraint ''Whereabouts
Unknown'' with the notation LoT returned? Ensure that if address is correct as
per document and Letter of Thanks is returned/undelivered two times by courier
services. concerned Assistant Manager or backup officer of Account
maintenance immediately mark the restraint ''Whereabouts Unknown'' with the
notation (LOT) returned and after that Pakistan Post Office services should be
used for dispatching of LOTs for the customers residing in remote areas.
Ensure that AMU send SMS to all customers on WAU marking (where cell
number is available), informing them of the marking of risk.
Ensure that once the account opened successfully designated CPU staff must
input the cheque book request in system as desire by customer as per
CRF/CLA.
Does designated staff advise through an e-mail to the respective branch BM/RM
to contact the customer and arrange to provide new or correct / complete
address to CPU, Account Maintenace having customer's signaturere(s). After
putting a notation to this effect on the returned letter of thanks it will be filed with
respective Branch CRF?
Designated staff to correctly capture the customer's address in the system if
error is found while cross verifying the same, generate the LoT again duly
corrected the error for onward dispatch to respective customer?
Does designated staff evidence that the customer signature is verified by the
branch ops, Upon receiving new / correct address, duly signed by the
customer(s), update / enter new address in system, prepare Letter of Thanks
with updated / new address and send the same at custtomer's updated/ new
address through approved courier services. Meanwhile 'WhereAbouts Unknown'
status updates with a forward date of 5 working days which will be automatically
removed in case LoT is delivered?
Copy of Letter of Thanks sent on updated address must also be attached with
relevant CRF for records. While proof of dispatch maintained separately.
Designated staff of CPU, Account Maintenance would maintain Branch wise
Account Opening box files and file date wise opened CRFs, Specimen Signature
Cards (where applicable) along with relevant documents and duly signed
Account opening reports in chronological order on daily basis under the
supervision of Assistant Manager or designated backup Account Maintenance.
Ensure that in case of any subsequent queries of critical nature from branch and
upon receiving written request from the Branch Service Manager or Branch
Manager or Regional Manager of respective Branch, copies of required CRF,
Specimen Signature Cards (where applicable) and relevant documents would be
provided to the concerned Branch under acknowledgement.
Ensure that AMU marked EDR restraint (for address and profile) and for
resigned staff and ensure the correspondent address to be updated (if already
marked as FBL office)
Hold Mail Account
Ensure that customers availed hold mail facility (special cases) with the prior
approval of respective General Manager. In such cases, AMU is required to mark
address field (CBS) as hold mail after dispatching of LOT at customer given
address & all hold mail cases will be marked as Increased Risk
MINOR ACCOUNTS
A new client will be opened in the name of the minor in SYMBOLS via SEIBEL
system. Birth Certificate / CRC - Child Registration Certificate of minor to be
captured in NIN field with issue date as "birth date" & valid up to date as "age of
majority" will update in system in MINOR category. (NM).
To check at the time of account opening the client, industry type 'Minor' has been
selected.
Ensure that Guardian Client number inputted in the 2nd tab where system will
automatically fetch required details from client level for monitoring purposes..
AMU to mark discount on Zakat service type (039) in INDIVIDUAL SC
MAINTENANCE in RB 212 of SAVINGS ACCOUNT OPEN / MAINTENANCE
Screen. (This is required to waive Zakat deduction on Minor Account if Guardian
Client is eligible for Zakat). After attaining the age of majority the status required
updating in the system as per existing procedures by CPU.
A letter will be sent to the Guardian & Minor (Annexure 4.11.C) by the CPU LHR
reminding the guardian that the minor will attain an age of majority in one month.
If the formalities are not completed, the account will be blocked after six months
the minor attains his age of majority. The second reminder (Annexure 4.11.D) will
be sent when the minor attains the age of majority. Copy of these letters will be
kept for records.
The system would block all debit transactions in the Minor Account after 6
months from the date "Minor attains Majority". At the time of blocking the
account, AMU to generate and dispatch a letter (Annexure 4.11.E) on the
account holder's corresponding address appearing in Bank's records and file a
copy in bank's record.
For all new accounts CPU would put an account blocking restraint in forward
value at the time of opening the account so that any debit activity in the minor
account is automatically blocked after 6 months from the date the minor attains
majority.
At the time of closing of minor account The account closing form will be jointly
signed by the minor who attained majority as well as the guardian.
Ensure that a new account of Minor (who turned major) is to be opened, CPU
would change the industry type of the client of the minor from Minor to other
applicable category.
PENSIONER ACCOUNTS
Are certificates of pensioners received from branches kept with the CRF of the
customers.
Ensure that Client Acceptance & AML / CFT Procedure (CAAML) Guidelines
Applicable to accounts. The responsibility of screening for NCTO is as per policy
document 2.1.3 (c) are followed by AMU.
While opening the client for new customers in system, CPU must ensure to use
new client type (PEN) & category (PE). This is a non-amendable field.
Are following product codes used;
-Sahulat Current 063
-PLS Savings 103
CPU will mark informatory restraint stating 'Life certificate due on/ non marriage
certificate due on putting a forward date which is 6 months from the issuance
date of these certificates)
The expiry date of the restraint/ should be captured one month earlier i.e. 5
months from the certificate issuance date of issuance to facilitate the branch to
follow-up with the customer for timely submission of the required certificate.
CPU should place the account block restraint with forward expiry date of 6
months. The account will automatically be blocked after 6 months in case the
customer fails to submit Life Certificate or no-Marriage Certificate to the bank or
pensioner fails to draw pension for consecutive six months
CPU would generate report on weekly basis and send it to respective branches a
month in advance of Life Certificate or No-Marriage Certificate becoming due so
that the branches can follow up with the customers on timely basis.
CPU are required to carry out quarterly reconciliation with accounts offices on the
basis of following items: New pension issued Pension transferred to heirs
Pension transferred to other places Pension stopped/restored Pension
discontinued Pension amended
Reconciliation statement shall be signed by the CPU authorized officers and
copies shall be retained as permanent record. Any discrepancy shall be resolved
within six weeks
CPU/Branch upon receipt of notification(death) from account Office or from any
other reliable source, branch will automatically block the transaction in
Pensioner’s account
Funds will only be released upon receipt of succession certificate / instruction
received from accounts office.
If no activity in account is observed during 5 months period in pensioner account.
Customer would be sent a letter informing the account will become dormant in a
month
CPU will ensure minimum balance Service charges have been defined as NIL.
ACCOUNT CLOSING
Date & Time stamp affixed on customer's application form.
Application is signed by all customers in case of a joint Account.
Customer signature is verified by the
authorized staff.
Remaining balance in respective Account is transferred or withdrawn and
uncollected service charges (if any) are recovered.
*Instructions for disbursement / adjustment of accrued profit (if any) are clearly
mentioned on Account Closing Application.
*No restrictions / TD Account / Locker or any other banking relationship is
attached to the Account which is to be closed.
*Account closing request is duly checked and approved by Branch Service
Manager/Branch Manager.
Account closing application along with relevant documents (if required/original
CRF if retained at branch) should be couriered by the designated staff of
respective Branch through approved courier services or by hand delivery to
CPU, Account Maintenance for further processing.
Respective Supervisor or Assistant Manager CPU upon receiving Account
closing application from branches will review the application & attached
documents for completeness. Any discrepancies if found would be intimated to
the respective branches for resolution. After satisfaction, designated officer will
time stamp the account closing application.
Ensure that, account closing application is processed by designated officer and
duly approved by respective Supervisor or Assistant Manager CPU.
Account will be closed in the system and accrued profit (if any) will be
capitalized. Accrued profit (net of WHT) will be credited by the designated CMO
in settlement account Currency wise. Tax on non-cash transaction will be
deducted (where applicable).
AMU will prepare a MIS and share the detail with CMO through email on daily
basis
Account closing stamp with date of account closed should be affixed on account
closing application & relevant documents (if any)
At the end of each day, Account closing report will be generated by the
designated staff from systems, reconciled with number of Accounts closed during
the day and signed by the respective Supervisor and Assistant Manager CPU,
Account Maintenance.
Designated staff of CPU, Account Maintenance will maintain Branch wise
Account closing box files and all Account closing applications along with CRFs/
CLA forms, SSCs and relevant documents (attached with the CRF) and system
generated reports in chronological order.
Branch wise Account closing box files will be kept under the dual custody of
Supervisor and Assistant Manager CPU, Account Maintenance in a fire proof
cabinet at proper place as permanent record.
Ensure that for accounts with nominal balances, if request of account closure
received at CPU from management. Ensure that notices are served to customers
are enclosed with IoM.
Ensure that an email to this effect sent to respectives branch BM/BSM/SBSO,
that account has been closed in the system by CPU.
CPU - Account Maintenance upon receipt of such information(death) would
immediately unmark all service charges
In case CPU or any other relevant unit is not able to satisfactorily complete
required CDD measures, account shall not be opened or any service provided
and consideration shall be given if the circumstances are suspicious so as to
warrant the filing of an STR.
CPUs and other relevant units and departments shall maintain all necessary
records on transactions, both domestic and international, including the results of
any analysis undertaken (e.g. inquiries to establish the background and purpose
of complex, unusual large transactions) for a minimum period of ten years from
completion of the transaction
CPU and any other relevant unit shall, however, retain those records for longer
period where transactions, customers or accounts involve litigation or it is
required by court or other competent authority
CPU will receive IR, PEP, Neutral and PDN cases via KYC App/ Symbols and will
update the risk classification, next review date and any other details in Symbols
and in Client File on receipt of the same from the branches. Moreover, CPU will
ensure data completeness/ accuracy in details of customer (Name, DOB,
Addresses) and cross clients (Jointees, Mandate, Directors, Signatories, etc) are
captured in Ad-hoc screens in Symbols to ensure effective and accurate
screening
In case of housewife accounts Branches / BUs / CPUs should ensure to obtain
following documents to complete the CDD:
a) A self-declaration for source and beneficial ownership of funds on the standard
format (Refer to Annexure I)
b) Update details of fund providers along with customer profile in the customer
snapshot section of CPF. –
c) Identify and Verify the identity document of the funds provider (i.e. CNIC /
NICOP / POC / ARC or Passport).
CHANGE IN SIGNATURES/ AMENDMENTS IN CLIENT/ ACCOUNT
Are all change requests received through Seibel System?
AMU Officer must ensure that applications received are complete in all respects.
Designated staff would then enter the required amendments in Client / Account
in system
Aftering processing, customer Request will be marked Closed in system with
status Executed
Are all amendment requests will be checked by Supervisor / Asst. Manager and
verify the amended details from system generated report.
Upon receipt of Original requests, designated AMU officer will reconcile from
report of closed SRs. Subsequently, designated officer will attach the relevant
docs and complete the requests for onward filling in separate branch wise file for
record.
Ensure that SR number must be mentioned on top of Customer Request.
In case of deletion of a signature from a company account, a letter signed by the
Company Secretary and / or new Board Resolution explicitly stating the removal
of previous signature may be accepted by the Bank. RGM approval is required
for change in signature. However, Authorized signatories can sign requests for
change in details of account such as telephone number, address on letter head.
If a letter signed by the Company Secretary is received, AMU will send a
confirmation letter (Annexure 4.1-DD) to Company Secretary after signature's
deletion and copy will be retained as evidence.
In case of change in address, copy of utility bill / any other document as
mentioned in Annexure A/ CAAML procedure specifying the customer address as
that of mentioned in the relevant request should be attached with the customer
request / Change in Detail Format.
Subsequent to required amendments in system, designated staff would sign the
requests as the maker.
All amendment requests will be forwarded to Supervisor/Asst. Manager who will
check and verify the amended details in the system and sign the amendment
requests as checker.
In case of change in address, Designated Staff of CPU will generate Change of
Address letters (Annexure 4.1.II) and dispatch the same to the customer
address. Copy of the same will be filed with the relevant documents.
CHANGE OF ACCOUNT TITLE
For individuals title should match with the ID document.
Received request letter stating the reason of the change.
Ensure that Original seen CNICs copy with original seen stamp under the name,
initial, date by BM/RM on record.
For individuals Verification to be done through Nadra Verisys by AMU. Proof of
having done so should be attached with CRF. If individual wants to change in
spellings copy of Passport, Domicile, Driving License, Educational certificate duly
marked original seen would be required.
For proprietership & unregistered partnership change of title is not allowed
accept to open a new account.
For registered partnership request letter signed by all partners specifying the
issue.
Original CNICs copies of all Partners. BM/RM to ensure that original seen stamp
under the name, initial, date etc. is affixed after verifying from the original
document.
Certified true copy of recorded statement of registrar of the firm specifying the
alteration and signed and verified in the manner required under section 58 of
Partnership act 1932.
For companies, following documents are on CPU record:
*Covering letter specifying the issue.
*Certificate of change in name duly certified by SECP and attested by company
secretory or two of its directors.
*Fresh Board Resolution.
*List of Company Director.
*CNIC/SNIC / Passport Copies of Directors (In case of Changing of Directors as
per Form 29)
*Verification of new Directors (where applicable) through Nadra Verisys by AMU.
*Fresh Memorandum of Article of Association.
*Form 29
*Address Verification only in case of address change
*KYC as per CAAML Procedure.
Ensure that where address of the customer has been changed, the new address
should be mentioned on CRF.
Designated staff at CPU will scrutinize the CRF and then process the request in
system which will be further checked by Supervisor/Asst Manager
All such requests must be jointly signed by the designated staff and / or
respective Supervisor and / or Assistant Manager, CPU Account Maintenance.
Designated staff at CPU would file the CRF with relevant CRF and documents
pertinent to that account for records
EXPIRED CNIC
On Monthly basis CPU-AMU will generate report of customers whose
identification documents (CNIC/NICOP/POC/Passport etc.) whose identification
document will expire in coming month and share data with ADC Ops to send
SMS as reminder for submission of renewed identification documents
CPU Account Maintenance will print and dispatch hard copy letters to account
holders whose mobile numbers are either not on record or invalid
In case mail gets returned then the account marked as "Whereabouts Unknown"
by CPU Account maintenance accordingly
Did CPU Account Maintenance forward file containing valid mobile numbers (as
per above criteria) to ADC Ops.
SMS Vendor will forward SMS to respective mobile companies and share SMS
forwarding confirmation report with ADC Ops.
Ensure that CPU obtained confirmation report from ADC regarding 100% SMS
forwading.
CPU Will maintain provided SMS logs record for Audit purpose as per record
retention policy
CPU will generate expired CNIC report (Pan Pakistan) on monthly basis by 5th of
every month, showing the details of clients whose CNICs have expired during
the preceding month.
Similarly records of expired Passport (if available) / Pakistan Origin Card (POC)
will also be generated by CPU on monthly basis.
Designated CPU staff will manually check the CNIC report and exclude the
customers who have attained the age of 65. AMU will update the expiry date of
CNICs of all these clients for indefinite time period in the system as 01/01/6500.
AMU share data of 65 years above customers with ADC Ops to send SMS as
reminder for submission of renewed identification documents.
All follow up letters through mail merge option for expired CNIC / Passport / POC
(Annexure 4.1-EE / Annexure 4.1-FF / Annexure 4.1-GG) will be generated and
sent to the customers through approved courier service.
Signed copy of system generated report, used for generation of intimation letters,
will be retained at CPU for record purpose.
AMU will extract a copy of VERISYS to check whether the CNIC has been
updated or not. This exercise will be conducted on quarterly basis for the
preceding quarter.
AMU would make a second attempt to extract the VERISYS every six months for
the entire pending data of all active accounts.
A copy of the VERISYS will be attached with the respective CRF for record
purpose.
A list of all accounts where the CNICs still stay expire, will be shared with the
branches for their active follow up with customers on annual basis with 10 days
of year end
THIRD PARTY MANDATE
Branch RM/RO will obtain third party mandate / power of attorney from customer
(physical presence of customer/mandate is mandatory) along with affidavit duly
signed by the mandate/ POA holder on stamp paper of appropriate value as per
provincial law (annexure 4.1-CC(i) & (ii))
Change required by the customer in text of mandate/POA from the one currently
in use must be vetted by legal & compliance prior to accepting from customer.
E banking services will not be allowed to Mandate/POA holder unless authorized
by the Principal in writing with signatures on E-banking Forms.
Only supplementary card can be issued to Mandate/ POA holder if authorized by
Principal
Branch must obtain CNIC and ensure that the signatures on the CNIC are
matched with the signatures on SS Card and Third party mandate/POA holder. In
case of difference in signature, branch will also obtain an undertaking from the
Mandate/POA holder. Further, process of due diligence is conducted as defined
in account opening process & Branch will retain the copies of the above
documents (if required) and courier the originals to CPU for capturing the
Mandatee/POA holder details in the system.
Screening of the mandate/POA, KYC & RAF (where required) shall be done as
per CAAML Procedure by AMU
Upon receipt of the Mandate/POA and relevant documents, designated staff of
AMU to scrutinize the same for completeness. In case of any discrepancy, the
same will be communicated to branch via email for rectification. Documents will
not be returned if the discrepancy can be rectified without returning the
documents.
Designated staff of CPU will scan the signatures of the mandate along with
Operating Instructions in system.
All the Documents will be kept in separate branch wise file for records by CPU.
Revocation of Mandate by Customer
All scan document forward to AMU LHR to delete /remove his/her signature from
system & Upon receipt of such request AMU immediately remove / delete the
signature from system and sent confirmation to branch operation.
AMU LHR also forwards a letter to customer by confirming the above act on the
system given address
In case of any dispute found between account holders in respect of signature
revocation authority/request, bank shall block the account operations until an
agreement / confirmation received signed by the all account holder
FAX INDEMNITY
This facility should only be provided to selective customers on the basis of
approval from respective business group head (GM for -Retail/Head of CBG
-South or North/Head of CIBG)
Original should be couriered to CPU - Account Maintenance by Branch BSM or
his/her backup which will be kept in safe custody with respective CRFs.
Upon receiving FAX Indemnity documents, CPU Designated Supervisor ensure
completeness of the request as per Fax Indemnity Policy before setting the same
in the system.
CPU account maintenance to update fax indemnity of customer in system in
relevant module.
ISSUANCE & DELIVERY OF DEBIT CARDS
A copy from original CNIC will be taken from the Supplementary card holder to
verify the signature & other details and marked the copy as original seen. KYC of
supplementary customer would also be submitted. NADRA Verisys, Negative
check list and anti-money laundering measures would also be followed for
supplementary card holder by AMU.
Duly filled & approved CRFs / ARF will be sent to CPU, Account Maintenance
through Siebel as scanned copy well within the cut-off timings. Branches must
ensure to dispatch the original applications through approved courier services /
branch riders on the same or very next day.
Ensure CPU tag the customer with respective service charge & modify the
service charge date as current date for deduction of charges at end of day.
Designated supervisor at CPU will cross check the data input in the system
physically with the request & authorize the data which are correctly fed by the
user.
Verified form duly signed by BSM / Branch Manager should be forwarded to AMU
or for further processing as per the criterion mentioned above. Branch and CPU
should retain copy of the form for their record purposes
DORMANT ACCOUNTS
CPU, Account maintenance shall extract prior dormancy report on daily basis
and share data (Individual/Joint/Sole proprietorship accounts only) with ADC Ops
for sending of SMS to those customers whose accounts remained inactive for
the last eleven months (five months in case of pensioner category accounts)
CPU Account Maintenance will print and dispatch hard copy letters for accounts
without mobile numbers and invalid mobile numbers.
CPU Account Maintenance will forward file containing valid mobile numbers (as
per above criteria) to ADC Ops.
ADC Ops. will forward file to SMS vendor for execution and ensure timely and
complete execution of file.
SMS Vendor will forward SMS to respective mobile companies and share SMS
forwarding confirmation report with ADC Ops. ADC Ops will reconcile file to
ensure 100% SMS forwarded to customer and share SMS forwarding
confirmation report with CPU.
CPU Will maintain provided SMS logs record for Audit purpose as per record
retention policy
It is responsibility of ADC Ops to provide AMU complete log of SMS Sent,
delivered and remained undelivered.
For accounts other than Individual/Joint/Sole proprietorship or in case if SMS
status is undelivered as per provided log of ADC Ops or contact number of
customer is not available in system generated report, a letter on approved format
will be sent to customers on his/her available correspondence address.
In case if mail gets returned then the account will be marked WAU by CPU.
CPU-AMU shall extract report when an account becomes dormant, on daily basis
and share data with ADC Ops (Individual/Joint/Sole proprietorship accounts only)
to send SMS to customer on his available contact drawing his/her attention that
the account has been inactive for last 1 year & classified as dormant.
CPU - Account Maintenance will extract the Intimation Letter Report on daily
basis to mark -and suppress print option in relevant fields of system on dormant
account to ensure that system will not deduct minimum balance charges & stop
generation of statement of account on next cycle date.
Likewise, status change report shall also be monitored on daily basis by CPU -
Account Maintenance to unmark -& suppress print on accounts being reflected in
above report as reactivated from dormant.
Ensure that in following cases, transactions will not be allowed in dormant
account unless the customer is personally present at the branch for Dormant
Activation:
a. A cheque (s) received at CPU Clearing in inward clearing
b. A fund transfer request from a dormant account to another account is received
at the branch / CPU / CSC
c. An outward Remittance Transaction received at the branch / CSC / CPU
Ensure that bank charges other than service charges can be recovered from the
dormant account by using appropriate transaction types through which the
dormant status will remain unchanged
CPU Account Maintenance (AMU) will activate dormant accounts manually in the
system upon confirmation received from BSM or his/her backup in case of
customer initiated credit entries in accounts
In case where account reflect restraint as CNIC expired BSM should send to
copy of valid CNIC through Seibel to AMU LHR for updating the expiry date in
system. Upon receipt of the above AMU LHR will update the CNIC expiry in
system accordingly.
AMU LHR will retrieve the system generated account activation report on daily
basis for all branches and confirmation of account activation will be sent to all
such customers on prescribed format.
AMU LHR will generate report of all DORMANT account holders on yearly basis
and share data with ADC Ops to send them SMS (Individual/Joint/Sole
proprietorship accounts only).
Handling of Customer Instructions
Has standing instruction (SI) received at CPU been scrutinzed by the branch like
SI being machine time stamped, customer's signature verification done, mode of
request recived mentioned, BSM's full signature affixed, amount being
expressed in words & figures, call back performed by BSM/SBSO?
Has original SI requests received in CPU on the same day or maximum next
working day through courier/hand delivery.
Has CPU reverted back to the branch for original standing instruction (SI) if the
original does not reach at CPU max by next working day?
Does designated officer at processing unit review the customers’ standing
instruction on daily basis to ensure that no instruction can be overlooked or
duplicated in error?
Has CPU's designated users upon receiving new request via scan email,
ensured the steps as mentioned in SOP 4.1.2 (a) before processing the SI's?
Account # mentioned on the SI
available balance,
signature verification,
SI time & date stamped, Any discrepant transaction would be reverted back to
branch.
Compliance/call back/due diligence /approvals are in place where required as
mentioned in SOP,
maintenance of date-wise log of SI for reocurrance,
capturing of SI in system as per available frequency for auto processing,
To ensure manual SI to be executed on due dates,
confirmation letter to be sent to customer after implementation of new SI request,
in case of any discrepancy, intimation to the branch via e-mail,
in case of insufficient funds in customer's account, to attach intimation e-mail
sent to respective branch, with the original SI for record purpose.
Has processing department ensured to deduct Standing Instruction charges
(where applicable) from the customer account as per prevailing SOC?
Ensure that no SI charges in case of consumer finance and Bancassurance
customer.
Has CPU authorizer checked the transaction source document before
authorization of the transaction in system?
Has CPU authorizer manually verified the auto authorized transaction prior to
posting in the system?
Has processor upon receipt of original documents from branch, ensured that all
transactions have been processed and reconciled and filed accordingly with the
scan/fax copy sent by branches?
Is Daily transaction report (DTR) checked where manual S.I posting is done by
designated officer of Respective CPU hubs?
Has the CPU staff maintained all outstnding SI to be processed manually
whereas all auto processed SI to be extracted from KM report.
In case of cancellation requests received from branch, has the request machine
time stamped, signature verified and 'Cancelled' stamp affixed thereon by the
branch.
Has CPU confirmed via e-mail to branch for cancellation of SI?
Has original SI cancellation requests reached in CPU max by next working day
by courier/hand delivery?
Is manual MIS remarks column for cancellation updated ?
Has CPU informed the branch via e-mail if transaction not executed due to
insufficient balance in customer's account?
Is zakat exemption marking process followed as per SOP section 4.3.7(c).
Ensure that AMU received original CZ-50 received
forwarded by branch through IOM for their necessary updating in system.
Ensure that Immediately after Ramadan 1st, (i.e. After valuation date) CPU
Designated Supervisor Mark client ' s record for zakat declaration in the system.
Has CPU applied the cheque book in the system on the basis of CRF/ARF form
as a part of new account opening process?
Outward Clearing
Has CPU staff,prior to acknowledging the receipt of cheques ensured to verify
that the instruments and deposit slips are kept in sealed envelops and the
number of instruments and deposit slips physically reconciled with that
mentioned on branch’s IoM and subsequently affixed receiving stamp (with date
and time) on the IoM to acknowledge the same?
Ensure that bags were picked up by the authorized staff of NIFT?
Has the designated user in CPU Clearing compiled MIS batch wise for uploading
in the system in the morning of next working day clearing?
Has designated user in CPU checked and matched branch SOFT copies with
NIFT scrolls and the supervisor uploaded the transactions branch wise with
CQCC transaction code/ same executed through upload option in Third Party
Module of SYMBOLS 8.5?
Are all BT related transactions (PSO/ Credit Cards) posted manually by the
designated staff and subsequently authorized by the supervisor?
Ensure that upon receipt of outward clearing return alternatively CPU will
prepare soft copy of all debit vouchers (branch wise) through system upload
option using transaction type CROC on required format on account of cheque
returns for outward clearing under Third Party Module of SYMBOLS 8.5. In case
of rejection by the system due to WAU/restrain marked earlier, then manual
transaction will be processed through transaction type CQCR.
Are transactions related to Outward Clearing authorized in the system by the
supervisor of CPU, Clearing only upon receiving the returned cheques from NIFT
same day?
Ensure all rejected transaction (restraint, error or reason) manually posted by
user, authorised by the supervisor.
Check that transaction posting and authorisation limits are adhered by the CPU?
CPU will ensure that Payee account is credited against the proceeds of the
instrument lodged in overnight clearing before the Close of next business day.
Are System report/ debit vouchers for all debit & credit transactions cross
checked and signed by the user, supervisors /Assistant Manager of CPU,
Clearing?
Check if the outward clearing is balanced or not?
Is outward clearing settlement GL credited by debiting normal outward RTGS
with a consolidated amount after balancing of Outward Clearing entries with
NIFT clearing sheet?
Has CPU, clearing debited respective settlement account & credited respective
Outward RTGS account?
Is deposit settlement Account credited by CPU- Clearing upon realization of
Inward Collection cheques?
Is an excel sheet showing amount, account number and reason of all instrument
returned in Outward Clearing uploaded on FBL internal portal on the same day of
return of instruments?
Are details of all returned cheques noted in Branch wise folio of Cheque
Returned Register?
Upon receipt of returned instruments, has CPU delivered the returned cheques
to the authorized representative of the branch?
Are branch wise deposit slips / voucher bundles prepared and stitched by CPU-
Clearing and kept in a fire proof cabinet at an appropriate place?
Has designated clearing staff crossed checked all transactions through system
generated report of third party Module on Daily basis and signed by respective
checker, supervisor, assistant manager/ manager on the hard copy as per
assigned limits.
Is reconciliation of RTGS A/C (outward/inward) carried out daily and evidenced
by supervisor/Assistant Manager CPU- Clearing supported by his/her full
signature and all suspense accounts monitored on daily basis?
Inward Clearing
Ensure that in case Clearing bags are improperly sealed/broken/tampered.CPU
shall refuse to accept the clearing bags & inform NIFT immediately
Is counting of instruments and verification with NIFT scroll carried out? In case of
any difference CPU shall inform NIFT in writing or via e-mail to rectify errors
Is scrutiny of instrument i.e. checking of date, amount in words and figures,
mutilation etc. performed?
Are Cheques, POs & DDs analyzed in ultraviolet light & IV Marker for payments
≥ Rs300,000/- by CPU?
Is verification of customers’ signatures on the instruments carried out by
respective process owners as per assigned limit?
Are all inward clearing cheques bearing crossing / endorsement and clearing
stamps?
Is call back process followed for cheques presented in the inward clearing >
1,000,000/-?
Ensure that CPU posts the transactions within 30 minutes if no response is
received from branch for CBC, if otherwise in order.
In case funds have not been made available by 12.00 p.m. in solitaire accounts,
CPU Clearing return all such instruments with specific reasons?
Are cheques drawn on dormant accounts invariably returned by CPU however
cleared from accounts marked ‘whereabouts unknown/return mail’ on the basis
of respective branch manager/Branch Service Manager’s approval?
Are Cheque Return memos prepared in accordance with Returns Code list
provided under Annexure C of PSD Circular# 03 dated 21th Sep,217 and all
returned cheques will be entered in branch wise excel based cheque returned
register.
Are cheque return charges recovered for cheques returned due to insufficient
funds?
Are Returned cheque memos signed jointly by the Officer of CPU, Clearing with
either CPU Assistant Manager or Manager.
Are copies of branch wise returned instrument filed and kept at appropriate place
by CPU, Clearing for records and any subsequent queries?
Are cheque return charges reversed subject to approval of the same from
competent authorities only?
Is NIFT return bundle prepared stating the total number of instruments being
returned along with their consolidated amount and instruments placed in a
sealed bag and handed over to NIFT representative?
Is process of balancing of inward clearing followed by cpu staff?
Are all Inward Clearing transactions checked by the Supervisor through daily
branch / officer report and pre consolidated entries report?
Is application of stamps on all cheques paid in clearing & preparation of date
wise packets of paid cheques carried out and all packets are stitched?
Ensure that while claiming funds through PO against returned instrument (debit
note), letter was signed by Manager CPU with authorized signature number.
Is process of inward clearing upload followed by cpu as per SOP clause 4.6.4
(d)?
Ensure that Inward clearing files are extracted from dongle software in the
morning by the supervisor/AM CPU daily.
Are the I/W cheques scrutinized and signatures verified by respective user /
supervisor.
Are cheques of inward clearing uploaded / scrutinized as per assigned limits?
Has user ensured that a/c# and amount of physical cheque matched with NIFT
inward clearing file.
Ensure that branch-wise inward clearing file uploaded in system by using main
branch ID?
Ensure that only standard cheques are uploaded in system while PO and sub-
standard cheques are posted manually?
Ensure after successfully up-loading supervisor extract two reports for rejected
and successeful transactions branch wise.
Ensure that rejected cheques due to problem in serial number are posted
manually?
Payment and signature verification done throug UV scanner on paid cheques by
designated CPU staff?
Are all honoured cheques kept in fire proof vault for record.
Detection of Fraud/ Fraudlant Transaction at CPU/Clg Hubs
Ensure that when fake/forged Instrument presented to CPU, CPU/ Designated
branches will return the photocopy of fake/forged instrument with the return
memo to Collecting bank while keeping original in their dual custody.
Ensure that upon discovery of of fraudlant transaction, all such cases were
referred to FRM.
Has fraud event reported to ORM as per ORM Policy & related SOPs for
recording in ORM Loss Data Depository.
Outward InterCity Clearing - LCY (Centralized at CPU's/Clearing Hub branches)
Has designated officer of CPU affixed receiving (with time & date) stamp after
ensuring the receipt of outward collection or outward intercity clearing cheques
to verify the number of cheques mentioned on the IOM
Designated staff of respective Regional CPU/Clearing Hub branches must
ensure that:
-required stamps affixed on front & reverse of all instruments & signed by
authorized officer/BSM?
- in case of discerpancy in the instrument, matter taken up with respective
branch's BSm or BM on the same day?
-Has CPU officer held the instrument till remidial action or returned to branch in
case can't be resolved and send e-mail to the concerned branch by CPU?
Ensure that intercity clearing cheques of customers posted in deposit module
using transaction type CQIO by CPU / Clearing Hub branch staff. While posting
the transactions, it must be ensured that posting should be done upon realization
of intercity instruments.
Check that Specific Intercity clearing stamp of FBL affixed on cheques by
branches.
Intercity realizations will be checked by CPU on daily basis online using NIFT
online report while clearing
Is the printout of MIS of Intercity clearing cheques jointly signed by clearing
officer and supervisor CPU / BSM & filed for record
Has the sealed bag handed over to NIFT's authorized rider for lodgement after
obtaining receiving on triplicate copy of clearing schedule?
Has the charges recovered as per SOC. For islamic banking customers, charges
will be recovered from islamic banking Ids and vice versa?
Is realization date of cheque updated on the intercity MIS under remarks column.
Are all vouchers of daily entries passed, counter-checked by supervisor CPU.
Is CPU checking and reconciling GL accounts on daily basis?
Treatment of Returned Inter-city Clearing Instruments
Has designated CPU staff manuaaly debit the cheque retuen charges from
customer a/c upon released of float in system?
Has cheque return charges recovered against reason of Funds Insufficient only?
Is returned cheque register report excel based prepared by respective CPU and
crossed checked with returned instruments and jointly by a user and supervisor.
Has the copies of returned instruments & cheque returned memo along with
original collection letter filed by designated staff of CPU, in Colloection Cheque
Returned File?
Designated staff of respective CPU / Clearing Hub Branch, via e-mail shall inform
respective branch or through upload on intranet for respective branches view on
account of Outward intercity cheques returns for necessary action at their end
Are returned cheques kept under dual custody of designated staff and supervisor
of CPU?
Is proper acknolwedgement obtained after handing over of returned outward
intercity clearing cheques to branch's rider/ branch's representative in the
morning of next working day?
Has the date-wise deposit slip's bundles prepared and stitched by designated
staff of respective CPU and kept at apprpriate place?
Outward Collection - LCY (Realization to be made through Collection)
Centralized at respective CPU
Has designated staff of CPU ensured that:
- required stamps are affixed on front and reverse side of all instruments by
respective branch along with authorized signatures?
- in case of any discrepancy, has matter taken up with respective branch and
held the intrument till remedial action taken up by respective branch.
Has CPU lodged through intercity clearing (for chq drawn on cities where NIFT
exists) or through LCY Collection (for cheques drawn on cities where NIFT is
unavailable)?
Steps applicable to all types of Lcy Collection
Has designated staff of CPU/Clearing Hub, entered the realzied outward
collection transactions along with the date of realization in respective collection
MIS along with recording of cheque returned details in remarks column?
Has all outward collection related transactions carried out during the day must be
thoroughly checked by respective supervisor and A.M, CPU through
branch/officer/BT electronic journal report?
Has electronic journal report signed by supervisor and A.M of CPU?
Are cheque returned charges recovered in case of cheques returned due to
Insufficient balance?
Have copies of the returned instruments and cheque returned memo along with
collection letter be filed in Collection Cheque Returned File?
Have the outward returned collection cheques sent to the attention of BM/BSM of
respective branch latest in the morning of next working day through branch
rider / branch authorized representative after obtaining proper
acknowledgement?
Have the Paid stamp along with date be affixed on original collection letter by
designated staff of CPU and filed in Paid File of outward collection?
Has the date-wise deposit slip's bundles prepared and stitched by designated
staff of respective CPU and kept at apprpriate place?
Have LCY collection cheque charges/courier charges on intercity /normal
collection recovered as per SOC.
Are all outstanding cases reported to Manager CPU?
Compensation for Delayed Payments
Any case noted in which CPU fails to credit the payee’s account due to any
reason?
Ensure that CPC payed markup @ 3% above the SBP policy rate to Payee for
the period of delay subject to determination and notification of error as per
section 36 of PS & EFT act 2007.
Dispute Resolution Mechanism
Banks shall resolve the clearing related issues/complaints within seven working
days from the date of receipt of complaint
In case a dispute arises between any Banks, the Bank(s) shall report the issue in
writing to the Chief Executive Officer (CEO) of the Clearing House along with
complete details of the dispute within ten working days from the date of receipt of
complaint. In this regard, the following steps shall be taken
I. An interim reply shall be given to customer after ten working days from the date
of receipt of complaint.
II. The Clearing House shall convene a meeting of the Banks and resolve the
disputes by mutual agreement within three working days.
III. All such disputes shall not take more than fifteen working days from the date
of receipt of complaint for their resolution. However, the fraud related complaints
shall be resolved within thirty days from the date of receipt of complaint
Ensure that the disputes that cannot be resolved amicably between the Clearing
House and Banks within the specified time may be referred to Chief Manager of
the respective SBPBSC office
Outward Collection (FCY)
CPU upon receipt of instruments & other relevant documents (where required)
from branches must ensure that: r
I. Bank’s crossing stamp on the face of the instrument & “payee account will be
credited on realization on the reverse” of instrument is affixed.
II. The cheque is dated & signed; amount in words & figures is same on
instrument Instruments
III. Instrument received during the day are separated currency & country wise.
IV. Beneficiary and drawer’s name (if present on cheque) is not appearing in
OFAC List. T
V. The copies of instruments & other relevant documents (where required) are
retained
Ensure that collection schedule/letter to be dispatched to drawee
bank/correspondent bank will be prepared for instruments received from
branches & by allotting FOBC reference number along with cheque #, amount,
beneficiary name and reimbursement instruction (FBL correspondent bank detail)
where fund will be credited by drawee bank
Respective supervisor would verify the same. Care should be exercised while
verifying the instruments to not to select any Nostro account by leaving such field
blank where instrument is deposited in PKR
Covering letter should be signed by two signatories (Assistant Managers or
Manager) will be prepared on bank’s letter head & sent to respective
drawee/corresponded bank along with original instrument in a sealed envelope.
Acknowledgment of the receiving officer of GSD should be obtained on the copy
of covering letter for record purpose
Ensure that he register will be reviewed by the Supervisor /Assistant Manager
who would also initial the same as a token of his/her reviews
Subsequent to processing of realized instrument in system, “Paid” stamp on
entries set of copies of each and every realized instrument would be affixed
along with date of payment and initials.
Following steps should be performed by the designated Officer in case
instruments sent for collection are returned unpaid.
I. Cheque return noting to be made in excel based FOBC Register, covering
schedule along with other photocopies attached with the case will be taken out
from outstanding cheque collections file and will be filed in cheque collections
paid file in "paid/return date wise" order. The unpaid cheque along with Bank's
return memo will be delivered / dispatched to the respective branch.
II. Consolidated liabilities against the cheques returned unpaid on the day to be
reversed.
COC return charges as prevailing in the current schedule of charges as well as
Nostro Bank charges should be recovered from customer account
Monthly balancing for the outstanding liabilities of cheques sent for collection
should be carried out by jotting down the amount of unrealized collection
cheques from COC Register which should be matched with GL
Physical Access
Ensure that entrance of unauthorized person is restricted in CPU Vault area.
Ensure that designated clearing staff must cross check all transactions through
system generated report of third party Module to ascertain the accuracy and
genuineness of the same day transactions respectively. Evidence of having done
so will be provided by signing respective checker, supervisor, assistant manager/
manager on the hard copy as per assigned limits. This must be, without
exception, performed daily & branch wise deposit slips / voucher bundles will be
prepared and stitched by CPU- Clearing and kept in a fire proof cabinet at an
appropriate place
Ensure that one officer of the CPU designated as the security & safety officer.
Ensure that CCTV cameras cover CPU entry/exit doors, CPU vault area and
provide 24 hours service for recording.
Ensure that staff identify technicians before allowing them access to CCTV for
maintenance and servicing
Ensure that staff always lock their PCs while going away from their workstations.
Ensure that the CCTV equipment installed in the CPU is password protected.
Ensure that external USB (Universal Serial Bus) ports of desktop personal
computers are restricted.
Ensure that keypad is installed on entrence and locked all the time to restrict the
unauthrized persons?
Are the panic buttons installed in CPU (if any) operational and checked on
periodic basis?
Ensure that alarm system and surveillance equipment periodically tested by the
designates CPU staff (once in a week) and recorded in log book.
Ensure necessary lights, sufficient for clear visibility in the secured areas where
24 hour video surveillance and recording is provided, remain switched on in the
CPU during the night.
Ensure that CPU must have emergency first aid box fully stocked with necessary
materials and ready for use at designated place.
Ensure that a portable fire extinguishers are installed in the CPU.
Ensure that any staff member is not allowed in CPU premises after close of
business or holiday without written permission granted by the department Head
and Head CPU jointly under intimation to the Head Security and Safety, Head
Centralized Ops and the security company.
Ensure that staff follow the HR circular dated: 11-04-18. regarding Maintenance
of Attendance.
User Security:
Obtain Organization Chart, JDs of all staff and their back ups. Obtain latest
user profiles from both systems. Ask for the latest review done by ID
Management Team. ID creation, deletion and addition of roles requests.
Also Obtain list of staff turnover during the audit period.
Role Definition
Are assigned roles to individuals matched with their JDs?
Are all IDs authorized by respective line Managers?
Ensure that users must not share his/her passwords in any circumstances.
Is every ID linked to a particular desk in CPU in order to identify responsible
manager?
Is the assignment of user rights based on pre-defined roles?
Are conflicting roles assigned to any individual?
Are dormant activation rights / role assigned to authorized staff only?
Are entry and authorization both rights given to any staff?
Bi- Annual Review of User Roles
Are defined IDs and assigned roles reviewed at least semi-annually, with a
formal sign-off by responsible business owners?
Are Exceptions (e.g. privilege change, disablement, etc) if any, reported by the
business Head to Head IT Security & Risk management?
Creation / Modification of User Id
Are only rights/roles that formally requested are assigned to the IDs?
Transfer/Termination/Resignation of Employee
Does CPU manangement intimate to HR for any resignation or transfer?
Is ID Management Team asked to disable employee User IDs?
Does ID Management Team enable the employee ID on his day of join-back
once the employee sends an e-mail request for enabling the ID?
Does employee notify the ID Management Team immediately if there is any
change in his / her leave plan for necessary rectifications?
General
Ensure role / user ID rights not allocated without required approvals.
Have all employees given mandatory sign-off to Employee IT Security Guide?
Management Information System
Ensure that records of data of customer due diligence (e.g. CNIC, passport,
driving license, account files and business correspondence retained for at least
five years.
Is administration powers observed by branch while using Imprest account?
Are relevant bills enclosed with expense vouchers?
Is visit book maintained by CPU?
Is "Save As You Earned Policy" followed by the CPU?
Ensure that up to date job description of all employees are in place, which are
duly signed by the employees and approved by the competent authority.
Ensure that proper leave record is maintained, and staff avail the leave
according to the HR Policy.
Ensure that staff follow the HR circular dated: 16-04-19. regarding dress code.
Ensure that bransh staff follow no smoking policy.
Ensure leaves taken are in accordance with bank’s policy and PL must be
availed for 15 days without break at least once during the year.
Ensure that in case of carryover of PL up to a maximum of 10 working days be
allowed by end of March endorsed by the Functional Head in concurrence with
Head of HR.
Ensure current year leave roster is on record and the same was sent to HR
department, HO.
Ensure that all the leaves should be updated in HRMS which should be
approved by line manager.
Ensure in case staff is released before the completion of notice period approval
obtained from HRD.
Ensure handing over / taking over procedure followed at the time of staff
transfers / resignations ?
Ensure staff wear bank I.D cards during officer hours.
Ensure that the CPU conducts training courses / workshops to give a clear
understanding of the SOPs to bank staff.
Ensure that proper back-up arrangement of the staff at CPU.
Ensure business continuity plan properly maintained and tested.
Obtain the Business Continuity Plan of the CPU and assess whether it is
properly and timely updated.
Is fire drill carried out periodically?
Does the CPU staff familiar with the BCP details?
Ensure that CPU-clearing is reconciling all the unclaimed & outstanding pay
orders on fortnightly basis through reports of unclaimed pay orders / outstanding
pay orders & balance thereof should be cross verified with balance appearing in
GL.
Are the proofs duly signed by concerned officer & Assistant Manager of the
CPU?
Check if the proofing of all suspense accounts is conducted by the 5th of every
month for the preceding month.
Check if the entries booked in the Suspense Accounts are settled in the shortest
possible time i.e. within a maximum of thirty days from the date of origination.
Is the concerned staff ensured that the Deposit Settlement account should be
reconciled at day end.
Wire Transfers(Outward Wire Transfer)
CPU, Remittances upon receipt of outward remittance application would check:
i. Ensuring that the originator has been properly identified, Originator's address
and account number are also mentioned in the payment chain (SWIFT Message)
ii. Beneficiaries name and account number / unique ID are mentioned.
iii. Beneficiaries bank & Country is mentioned in Remittance application.
iv. Purpose of Remittance is mentioned in the payment chain/message.
CPU remittance will ensure that it includes following information in the message
or payment instruction which should accompany or remain with the wire transfer
throughout the payment chain:
i. The name of the wire transfer originator
ii. The wire transfer originator
iii. wire transfer originator address CNIC/Passport number, date of place of birth
or where originator is a legal person, necessary details such as registration
number, date and place of incorporation
iv. A System Track Audit Number (reference number) (STAN) which should be a
unique number of all transactions
Ensure that screening of transactions with increased risk countries would be
approved by AML team after satisfaction of transaction on case to case basis
through safewatch screening system
Upon receiving intimation from AML team for any outward remittances being
rejected in OFAC and Increased risk countries, same would be reported by the
CPU, Remittances to Treasury Front Office within the agreed timings b/w CPU &
Treasury
CPU on a daily basis will obtain Nostro account from FIG for effecting the
outward remittances
Designated staff of CPU, Remittances would enter complete details of ordering
customer & beneficiary along with purpose of remittances in accordance with the
outward remittance application in system (FT Module). CPU would debit
customer account & credit respective settlement account
All transactions related to Outward Remittances must be thoroughly checked and
confirmation of having done so must also be evidenced by signing the source
documents/reports as per following limits.
Assistant Managers -- > up to USD. 15,000/- (or equivalent in other CCY)
Manager --> USD15,001/- (or equivalent in other CCY) and above
Designated staff would extract and take print out of Outward Remittances
register (soft form) from KM report next day .The same to be counter signed by
CPU Officer and Assistant Manager/ Manager of CPU, Remittances
Ensure that transmitted copies of all SWIFT messages as per system generated
reference numbers along with respective customer’s /department application for
outward remittance will be filed and kept at an appropriate place under
supervision of respective Supervisor or Assistant Manager of CPU, Remittances
All Outward Remittance transactions must be thoroughly checked and cross
verified with source documents by designated officer/Assistant Manager of CPU,
Remittances through User ID report/daily transaction report on a daily basis. A
confirmation of having done so must also be noted on the report by designated
officer/Assistant Manager CPU, Remittances supported by his/her full signatures
Respective Supervisor or Assistant Manager CPU, Remittances must check all
executed Outward Remittances transactions with Nostro Activity Report to be
received from Swift Operations Department, Head Office through e-mail on the
next working day of execution of each transaction.
All queries and correspondence with Nastro/beneficiaries bank regarding
remittances (other than OFAC/screening queries) must be handled by CPU
Designated staff of CPU, Remittances would retain all original forms in a day
wise manner under the supervision of concerned Supervisor or Assistant
Manager CPU, Remittances and ensure that same are kept at an appropriate
place under lock and key at the end of each working day
Wire Transfers(Inward Wire Transfer)
All SWIFT (MT-103/202) messages received after screening of OFAC/Increase
list countries through safe watch system would be thoroughly scrutinized the
following risk based procedures by the designated staff or Assistant Manager of
CPU, Remittances to ensure that:
i. The message should be date & time stamped by SWIFT department.
ii. The complete information of ordering customer (i.e. complete name and
address) is mentioned on SWIFT message as per Prudential Regulation (PR) M-
2.
iii. Value date of message is checked for postdated messages.
iv. If senders bank is not a NOSTRO bank, cover as per Receivers
correspondent bank field reflecting in Inward SWIFT MT-103 message is cross
verified through NOSTRO Activity Report, received from Swift department.
v. Amount is checked with SWIFT reference number (field 20 of the MT103 with
NOSTRO activity report
In case of any discrepancy in SWIFT MT 103 message such as spelling mistake,
wrong account number or name etc CPU remittances should send a tracer (MT -
199/195) to the remitting bank enquiring about the relevant details under
intimation to the Branch Manager and Branch Service Manager of respective
Branch.
In case of any restraint such as dormant or whereabouts unknown/return mail
etc., CPU will immediately refer the same to the Branch Manager or Branch
Service Manager of respective Branch through fax or e- mail (as scanned copy)
for information and required action
All Inward remittances transactions posted in the system (debit respective
settlement account & credit customer as per below mentioned assigned limits)
must be thoroughly checked and verified by designated officer/respective
Assistant Manager/Manager CPU, Remittances through User ID report/daily
transaction report. A confirmation of having done so will also be noted on said
report supported with full signature.
Assistant Manager -- > up to USD 25,000.00 (or equivalent)
Manager/Sr.Manager > USD 25,001.00 (or equivalent) and
above
Designated staff of CPU, Remittances must ensure to process inward
remittances received on account of home remittances shall be timely processed
in accordance with SBP FE circular no. 4 dated 22.8.2009 or any other
amendment time to time
Designated staff/Assistant Manager /Manager CPU, Remittances must ensure
that all transactions carried out on account of Inward Remittances are thoroughly
checked with KM report for all inward remittances received on the next working
day to avoid any possible duplication. A confirmation of doing so must also be
noted on such repor
All processed Inward remittances along with user ID report/daily transaction
report duly signed by the respective user, Assistant Manager and Manager CPU,
Remittances must be carefully filed and kept at an appropriate place by the
designated staff of CPU, Remittances
Designated staff of CPU, Remittances would also update currency wise details of
all Inward FCY Remittances of below US$.10,000/= or equivalent in separate
Schedule IRV on a daily basis in an accurate manner
Designated staff or respective Assistant Manager of CPU, Remittances must
ensure that currency wise maximum 40 entries are stated in each Schedule IRV
CPU, Remittances would also send inward remittances data for the month to all
respective branches by 15th of following month to update necessary customer
profile form / KYC by branches
Reporting - Foreign Exchange Returns
Monthly Foreign Exchange returns would be prepared and submitted to State
Bank of Pakistan with a copy to Treasury Back Office by Central Processing Unit
(CPU), Remittances functioning under CPU only for Inward and Outward FCY
Remittances (MT 103) processed by CPU during the preceding month on behalf
of Pan Pakistan Branches
Subsequent to posting of all forms in Foreign Exchange Return system (ITRS)
during the month, designated staff of CPU, Remittances at the end of each
month would attach Form R, IRV, and Form M with Schedule S-1 for onward
submission to State Bank of Pakistan
Designated staff of CPU, Remittances must ensure that data entered in ITRS
system is saved on desktop of computer by using the export option and
subsequently sent through an e-mail to the concerned staff at Treasury Back
Office, Head Office within banking hours latest by 3 rd of every month, or earlier
if 3 rd happens to be a holiday
Respective Supervisor and / or Assistant Manager of CPU, Remittances prior to
submitting the original forms along with relevant Schedules and covering letter to
State Bank of Pakistan must ensure that clear and complete photocopies of all
forms along with relevant Schedules and covering letter are made and
appropriately retained in a box file at a secured place
Designated staff or respective Supervisor must ensure that acknowledgement
received from State Bank of Pakistan is appropriately filed along with copies of
forms and relevant Schedules of particular month
Inward Remittance
Select a sample of inward remittances received and check that particulars of
INWARD REMITTANCE are entered in the IR register and message received is
incomplete a telex/letter should be sent
To ensure that all the SWIFT (MT 103/202) received from Swift depatment
should be throughly scrutinized by the designated officer or supervisor of CPU.
The message should be date & time stamped by SWIFT department
To ensure that complete information of ordering customer mentioned on SWIFT
message.
Are the remittanes is in accordance with the customer profile, business available
on bank’s record and according to the AML/CFT regulations
To ensure that name of beneficiary, order customer, ordering bank and ordinering
country should be checked from OFAC list
Value Date of Message is checked for post dated message.
To ensure that amount Checking with SWIFT reference number (field 20 of the
MT 103) with NOSTRO Activity report)
To ensure that beneficiary’s name & account number printed on the inward
SWIFT MT - 103 checked with bank record.
To ensure that in case of discrepacny in SWIFT MT 103 i.e wrong account
noumber, name of customers, details of ordering customer & purpose of
remittance not mentioned. CPU, remittance shouldd send a tracer (MT 199/195)
to the remitting bank.
All such remittances would be sent back to the remitting Bank by authorizing
respective correspondent to debit our account through MT 199 where tracer is
not responded by the remitting Bank within seven working days from the date
tracer is sent by CPU, Remittances.
Ensure that messages are complete in all respects for credit to beneficiary on
same day.
Inward remittances (foreign currency to foreign currency) ≤ $ 10,000/- (or
equivalent) will be processed by CPU, remittances without referring to the
concerned branch if otherwise in order.
CPU, Remittances would send the name of the beneficiary, account number,
amount, ordering customer etc. for inward remittances ( ≥ $ 10,000/- or
equivalent of other FCY to respective branches through email advising them to
confirm that the amount of inward is in accordance with the customer profile
form/KYC of beneficiary with the purpose of such remittance along with AML
checked.
CPU, Remittances would also send the name of the beneficiary, account number,
amount, ordering customer etc. for inward remittances of cross currency or
conversion in PKR (≥ $ 1,000/- or equivalent) to all respective branches via email
advising them to coordinate with customer for exchange rate by negotiating with
Treasury and confirm to CPU Remittance along with purpose of such remittance
& Form ‘R’ (where required).
Branch Manager/ RM/Branch Service Manager/designated officer of respective
Branch would confirm KYC/AML/due diligence for ≥ $ 10,000/- or equivalent in
other FCY supported by the scanned copy of Form “R” (Where Applicable) via
email duly signed by the customer or signed by BM/BSM/BSO (on behalf of
customer in case where customer is not available) clearly mentioning purpose of
remittance along with all required details within the shortest possible time when
the email is sent by CPU, Remittances.
To ensure that CPU designated staff would enter details of all inward swift MT-
103 alongwith purpose of remittances in an MIS duly countersigned by the
respective supervisor and AM CPU.
To ensure that in case of any restraint i.e dormant or whereabout unknown CPU
should refer the same to BM or OM of respective branch, on the instruction of
branch CPU process the transactions as proceessing the transactions will not
change the restraint status of account.
To ensure that daily transactions report should be signed by the Supervisor or
AM CPU.
All Inward remittances transactions posted in the system (debit respective
settlement account & credit customer as per below mentioned assigned limits)
must be thoroughly checked and verified by designated officer/respective
Assistant Manager/Manager CPU, Remittances through User ID report/daily
transaction report. A confirmation of having done so will also be noted on said
report supported with full signature.
Assistant Manager -- > up to USD 25,000.00 (or equivalent)
Manager/Sr.Manager > USD 25,001.00 (or equivalent) and above
To ensure that all the remittances processed during the day should be reported
to TBO (operating on SYMBOLS only).
Ensure that a designated staff/Assistant Manager /Manager CPU, Remittances
must ensure that all transactions carried out on account of Inward Remittances
are thoroughly checked with KM report for all
inward remittances received on the next working day to avoid any possible
duplication. A confirmation of doing so must also be noted on such report.
In case a credit is given in Nostro activity report but SWIFT MT-103 of the same
is not received from remitting / correspondent Bank, respective Supervisor would
immediately send SWIFT message MT-199/195 to remitting / correspondent
Bank to confirm the credit that is appearing in Nostro activity report but its SWIFT
MT-103 is not received by CPU, Remittances. On case to case basis upon
customer/branch request, in case of reply through authenticated SWIFT
message is not received within 3 working days from remitting bank, necessary
approval to apply funds will be required from regional head operations/General
Manager/regional heads corporate/commercial subject to comply with all
AML/KYC/regulatory requirement.
Designated staff or Assistant Manager CPU, Remittances would debit customer
and credit WH_Tax on Remittances Account of respective Branch (where CPU,
Remittances is located).
To ensure that staff should update currency wise details of all inward remittance
of below of US$ 10,000 or equivalent in separate schedule IRV on a daily basis.
To ensure that staff should enter schedule wise details of Form 'R' and IRV in
Schedule J-O3 in FE Return program (ITRS) on fortnightly basis.
Designated staff of CPU remittances while submitting the relevant forms to SBP
must ensure that purpose codes are appropriately mentioned on all such forms
and exactly matched with nature of transaction and codes provided by State
Bank of Pakistan.
Ensure that in case where the concerned branch did not respond to CPU,
Remittances within the agreed timings as advised by CPU/Service Quality from
time to time on the same day, such transaction would be processed by CPU,
remittances on the next working day subject to receipt of the required information
and treasury rates from the Branch.
Ensure that particulars of beneficiaries and amounts will be reported by CPU,
remittances through TRES System to TMU for confirmation of exchange rates for
each transaction within the agreed timings, and Upon receipt of required
information from Treasury, respective officer / Assistant Manager would cross
check the SWIFT 103 / 202 messages with received information from concerned
Branches and If found in order, the same would be forwarded by Supervisor to
the designated officers for further processing in system.
Purpose of Remittance along with complete details of ordering customer and
other relevant information must be carefully entered by the designated staff of
CPU, Remittances in system from SWIFT message or based upon information
received from respective Branch (Description field). These details are to be
utilized to attend subsequent possible queries from Branches, Internal / SBP
Inspection or Compliance team.
Designated staff of CPU, Remittances must ensure to process inward
remittances received on account of home remittances shall be timely processed
in accordance with SBP FE circular no. 4 dated 22.8.2009, or any other
amendment time to time. (F.E. Circular No. 16 dated December 17, 2018, FE
(EPD) Cir Let Nos 15&16 of 2019 )
Designated staff or respective Assistant Manager of CPU, Remittances must
ensure that currency wise maximum 40 entries are stated in each Schedule IRV.
Ensure that concerned Supervisor or Assistant Manager of CPU, Remittances
must cross check all such data in Foreign Exchange Return Program (ITRS) and
ensure no operational error is made by the user
Ensure that designated staff of CPU, Remittances would retain all original forms
in a day wise manner under the supervision of concerned Assistant Manager
CPU, Remittances and ensure that same are kept at an appropriate place under
lock and key at the end of each working day.
Ensure that swift transfer received favoring a customer will be credited to the
customer account with in prescribed time period (i.e. within 72 hours, as
mentioned in Circular # 14 of Foreign Exchange) and must be processed on the
same day.
To ensure that payment made to non-account holder after the proper
identification. CNIC / NIC copy to be obtained.
To ensure that if the beneficiary does claim the amount within six months the
same should be transfer into “Unclaimed Remittance Payable”. The Branch
Manager should approve any debit transactions.
Ensure commercial payments are not credited into foreign currency account of
individuals. Purpose of remittance should be obtained.
To ensure that if issuing bank has cancelled a transfer a notation “payment
Stopped by the Drawer” and also made on outstanding departmental copy.
Outward Remittance
Application form should be obtained dully signed by the customer in case of
companies letter head duly signed by the authorized signatories along with
rubber stamp should be obtained..
Customer signature should be verifeid by the authorized signatories
to ensure that IBAN (International Bank account number) for all swift transfers
where applicable specifically for Middle East countries where they do not accept
wire transfers without having of IBAN.
To ensure that CPU receipt the application and cross check ordering customer,
beneficiary name, bank & country in from Officer of Foreign Assets & Control
(OFAC) List.
To ensrue that screening of transactions with increased risk countries should be
approved by AML team after satisfaction of transaction on case to case basis
through safewatch screening system.
To ensure that all remittances cleared in OFAC should be reported to TFO within
the agreed time.
Beneficiary’s name, account number, beneficiary banks name & address along
with SWIFT code are clearly mentioned on the remittance application.
Purpose of remittance is mentioned on the application.
Are the remittanes is in accordance with the customer profile, business available
on bank’s record and according to the AML/CFT regulations
KYC and AML check has been performed for beneficiary & ordering customer.
To ensure that all the transactions should be checked and authorized by the
designated Supervisor or Assistant Manager of CPU.
To ensure that all the outward remittance processed during the day should be
reported to TBO on attached format.
Ensure that details of SWIFT transfer entered in the System & in register (soft
form) and take printout to have the same counter signed by respective
supervisor and AM of CPU.
To ensure that swift MT 103 will be transmitted by SWIFT department, HO
To ensure that all SWIFT message as per system generated reference number
alongwith customer application should be filed and kept under supervision of AM
CPU.
To ensure that all the transctions must be chekced and cross verified with souce
documents by respective supervisor and AM CPU through User ID report on
daily basis and also signed by AM CPU.
Designated staff or Assistant Manager of CPU, Remittances upon receiving
required original forms & other relevant documents from concerned Branches
would cross check the same with Outward FCY Remittances processed at CPU
for completeness.
In case any transaction is found missing in Nostro Activity Report, respective
Supervisor or Assistant Manager CPU, Remittances would immediately send
SWIFT message MT195 or MT199 to Nostro / correspondent Bank enquiring
about the missing transaction.
To ensure that all the transactions above US$ 15,000/- (or eqv in other CCY)
should be checked / approved by Assistant Manager CPU and aboe USD 15,001
approved by Manager CPU
Relevant Form ‘M’ (if required) is duly filled and signed by the applicant. And
coding of purpose of remittance on Form ‘M’ is in accordance with nature of
transaction & SBP codes.
To ensure that CPU would enter details of Form 'M' in Schedule E4-P4/E-3, P-3,
in FE Return program (ITRS) on weekly basis.
Ensure that concerned Assistant Manager or Manager of CPU, Remittances
must cross check the same and ensure no operational error is made by the user.
Any operational error or mismatch found in the data entered in system must be
appropriately handled and rectified;
Ensure that designated staff of CPU, Remittances retain all original forms in a
day wise manner under the supervision of concerned Supervisor or Assistant
Manager CPU, Remittances and ensure that same are kept at an appropriate
place under lock and key at the end of each workingday.
All the outward remittnces Swift MT-202 related to FCU, HO or respective branch
(FCY cash shipmnet to other bank only) processed by CPU, after approval from
Heads of respective department.
Ensure that outward remittance charges are recovered from the customer as per
schedule of charges..
Check at the time of cancellation branch has notified the fact to the drawee
bank / branch through telex / email on the same day .
To ensure if outward remittance is canceled by the drawee bank / branch should
be reported in SBP.
To ensure that cancelled outward remittance should be reported to SBP as
Inward remittance through Form 'R'.
Check if advance remittance by Umrah Organizer's on behalf of expense to
Saudi Arabia sould not exceed 30% of the Hajj package. As stated in EPD
Circular Letter No. 07 of 2017
Check all remittance are being processed from Umrah Organizer's PKR account
maintained with suffix Umrah. (F
Check all remittances are being processed after obtaining below mentioned
documents.
* Copy of Lisence from Department of Tourism.
* Copy of registration letter by International Air Transport Association (IATA).
* Copy of contract between Umrah Organizer and Saudi Vendor, the agreement
should be attested by MORA and Interfaith Harmony.
* Invoice issued by saudi vendors in favour of whom remittance is being made.
* Consolidated information as per attached annexure.
* Undertaking from Umrah Organizer for repatriation of funds ( only in case of
advance payement).
Monthly reporting for all remittances by Umrah Organizers to be done to SBP.
Remittance for Medical Purpose
To ensure that remittane of US$ 50,000/- or eqv in other foreign currencies on
account of medical treatment of resident pakistani are allowed.
* Remittance should be direclty send to the concerned foreign hospital via
SWIFT. Subject to the obtaining following documents:-
* Appendix V-68 duly filled by the patient/next to kin/sponsor.
* Invoice / estimate of the foreign hospital.
* A self declaration from the patient, his/her next of kin declaring amount
essentially required for treatment abroad.
* Cash of FCY of USD 5,000/- also allowed to each patient and one attendant
which should be endorsed on his/her/their passport..
Remittance for Study Purpose
Remittance upto US$ 70,000/- or eqv allowed per student as per calender year
on accouunt of application processing, tuition feed, living expenses etc.
The remittance should be send to the concerned foreign educational institution
for tuition fees, living expense and other dues (health, insurance, union, sports,
library, fees etc) on behalf of students after obtaining following documents:-
* Application form (appendis V-78) duly filled in by the student/parent/guardian.
* Copies of CNIC/ form 'B' of the student and CNIC of parents/guardian.
* Copy of passport of the student.
* Letter of admission from foreign educational institution.
* Letter / cost sheet from foreign educational institution showing break-up of
expenses.
Remittance should be remitted directly to the account of the educational
institutions via SWIFT
To ensure in case of expenses in excess of the above limits the bank will forward
the case to the direcotor, foreign exchange operations department along with
justification and documentary evidence for consideration.
To ensrue that all the related documents submitted by the applicant should be
retain for record purpose.
In case of dividend income remitted to non-resident share holder. Check wether
authorization letter was obtained in favour of faysal bank.
Before allowing remittance of dividends, Authorized Dealer must ensure:
a) that the shares are held by the non-residents (other than Indian nationals)
under the specific and/or general permission of the State Bank and are
registered at their foreign addresses,
b) that the shares in question were not acquired by the non-residents on the
basis of their undertaking that they will not claim remittance of dividend and,
c) that the application for remittance of dividend is net of Pakistan tax liability and
must also ensure that the auditor’s certificate to this effect on the application is
from a well-known firm of auditors.
The following documents must be seen by the designated Authorized Dealer
before allowing the remittance of dividends: -
a) Application in triplicate in the prescribed form (Appendix V-54) duly certified by
the company’s auditors.
b) Two certified copies of the audited Annual Profit & Loss Account and Balance
Sheet of the company concerned for the year to which the dividend application
pertains or two copies of interim Profit & Loss Account for the period to which
interim dividend relates.
c) Certified true copy of the Shareholders’/Directors’ resolution declaring the
dividend.
d) In case tax exemption is claimed by them/any of the shareholders, a certificate
to this effect is invariably produced from the competent tax authorities.
Withholding Tax
Ensure whether CPU is receiving CNIC/NTN number of service
provider/vendor as when the tax is deducted from branches.
Are the CPU - Remittance monitors the GL account on Pan Pakistan basis?
To ensure that withholding tax deducted on Profit on Deposit, Cash
Withdrawal, non-cash transactions and Remittances (indenting
commmision) are being deposited in Government Treasury within the
stipulated time/period. (Profit and remittances on Monday & on cash
withdrawal on Tuesday due to back value deduction).
Ensure CPU doesnot has the right to unblock Withholding Tax GL heads
Ensure that CPU is debiting WHT GL account & crediting deposit
settlement account branch wise after receiving confimation of unblocking
from FCU.
Ensure the total amount credited in deposit settlement account is
balanced with the total amount appearing in WHT GL account.
Ensure that IOM is prepared by CPU remittance & duly signed by Assst.
Manager & Manager CPU to authorize the branch for issuance of pay
orderr.
To ensure that profits of FCY savings will be converted into PKR for
submission to SBP and CPU shall intimate the total amount of FCY tax
currency wise to treasury within agreed timelines.
To ensure that Request for issuance of pay order in favour of Government
Treasury in respect of withholding tax amount being signed by Assistant
Manager and Manager CPU authorizing the branch (where CPU is
located) to debit the amount and issue a pay order.
Are the payment challans are accurately prepared with all the required details?
To ensure that payment order of withholding tax along with the payment
challans submitted to SBP or NBP.
To ensure that computerized tax challans has been received from SBP or
NBP after two days duly acknowledge along with computerized receipt of
WHT. Further ensue that tax received stamp of SBP along with the date of
receipt is present on the challans.
To ensure that Pay order copy alongwith the IOM, and the challan and
FBR WHT receipt statement are filed date wise for record in safe custody.
Obtain the department’s formal organization chart showing the reporting lines
and responsibility of each staff.
Ensure that job descriptions for each staff are available. Review the job
description and for a few, discuss these with concerned staff to ensure that they
are aware of their duties and any changes in their responsibilities have been
formally noted to them. The job descriptions should also state any other duties
that may have to be performed to replace staff that may be absent or on leave.
Is there proper segregation of duties between authorization, processing,
recording, payment and reimbursement etc. Assess the adequacy of
segregation by noting the officers and their backups who are responsible for:
• Signing the letter of credit
• Checking the documents
• Making payments to correspondents
• Recording in G/L
• Follow up and recording of receipts
Follow up of the suspense/past due item.
Is there proper rotation of duties within the department. Discuss with staff the
length of period each has being doing the current task and assess the motivation
level.
Do staff receive formal/informal training related to their duties and progress
within the department. Obtain the training records and review the
appropriateness of the courses attended.
Ensure that policies and procedure manual are available, updated on a regular
basis and all staff member has read and updated.
Check 15 days mandatory leaves were availed by staff in accordance to HR
policy.
Obtain the training records and review the appropriateness of the courses
attended
* BS /RM / Branches must ensure that LC application is complete in all respects.
LC application should contain/fulfill all column with full details on LC request form
and enclosures/conditions:
* Valid Insurance cover note / Insurance Policy in Pak Rs. only (110% of LC
value plus tolerance if any or advised by risk department or Trade Head) in the
name of Faysal Bank Ltd on account of applicant. (Where insurance is on
opener’s account).
* Valid proforma invoice / Indent / Purchase Order. (Confirmation of P.O. to be in
place through any mode from beneficiary acceptable).
* If LC establishment request involves any clause which will change the nature of
Bank’s risk e.g. replacing the requirement of Bill of Lading with Forwarder’s
receipt, charter party bill of lading, blank back bill of lading, short form Bill of
lading, all discrepancies acceptable except unit price and quantity or advance
payment clause on presentation of invoice/draft without shipping documents etc.
CPU - TRADE/respective trade hubs will raise a request through RM/BS for
necessary approval from respective Regional Risk and Business Heads along
with Head Trade /Unit Manager to insert requested clauses. However, if advance
payment is backed by 105% equivalent cash margin than only approval from
respective Regional Business Heads along with Head Trade /Unit Manager will
be required.
* Upon receipt of above information from FIG and approval from CAD (if
required), designated officer would then prepare the LC & capture the
transaction in System. LC # generated by the system and other detail will be
noted on a file & all relevant papers pertinent to the LC will be put in the file and
forwarded to Desk In charge / team leader along-with the SWIFT message for
checking the MT 700 message against the application and
verification/authorization of transaction in SWIFT system and in Symbols.
Select few LC files documenting the sampling criteria used and ensure that
following details are given on the LC application:
• Name and address of the Applicant and Beneficiary
• Currency, shipment & date of expiry of the letter of credit and tenor of draft
• Invoice with country of origin of goods
• Requirements regarding Bill of Lading and insurance.
• Details of merchandise are in conformity with the relevant indent/proforma
invoice.
• Port of shipment and destination along with the last date of shipment.
• Partial shipment/Trans-shipment allowed or not allowed.
• ITC number
• Charges details
Ensure that only following type of L/Cs were opened as per the local exchange
regulations:
• Irrevocable - sight
• Irrevocable - Usance
Ensure that all approval procedures have been properly followed by selecting
few L/C’s opened during the period under review:
• Every LC application affixed with the adhesive stamp of appropriate value
• Signature of customer (authorized signatory of company) must be verified by
authorized signatory
• L/C application and attachments containing terms and conditions must be
signed and stamped by the authorized signatory of the Company.
• All L/C’s are opened only against approved sanctioned limits as advised
through Risk Appraisal (RA) or approval for any exception from the appropriate
authorities
• In case of recurring L/C’s, outstanding liabilities against the letter of credit limit
plus the amount of new L/C does not exceed the established limit.
• Credit Report of the beneficiary is obtained prior to opening a L/C of Rs. 1.5
million or above (valid upto 1 year)
• All L/C’s committing the bank financially are approved / notified by / to the
competent authority as follows:
US$ 0.1M should be signed by “Manager”
US$ 0.1M to 0.5M should be signed by “Departmental Head”
US$ 0.5M to US$ 1M should be signed by “Head T & BS”
Above US$ 1M to US$ 5 M should be signed by “Head T & BS & Head of Ops”
Above US$ 5M to 15M should be signed by “Head T & BS & Head of Ops” and
notified to “Head CIBG, CRO & CBG Head”
Above US$ 15M should be signed by “Head T& BS & Head of Ops” and notified
to “CRO, P& CEO, Head CIBG & Head CBG(regional).
Check wether import of cash USD are made under instructions issued by SBP
under EPD Circular letter No. 2, Jan09, 2018
Ensure that appropriate amount of margins against the L/C are held as required
in the RA or SBP and all related charges / commission are debited as per bank’s
schedule of charges.
Check that sight LC opened after fulfilling following:
- Approved industries: textile, pharmaceuticals, fertilizer manufacturing, food
commodities, chemicals including petro-chemicals, oil & gas, safety matches,
telecommunications, auto & allied, leather, agriculture & derived (agro based),
construction including cement. (for any other industry, approval of DCEO)
(i) A sight LC opened on offering sheet is regularized through RA within 30 days
of RCC approval.
(ii) No single LC for spare parts to be more than Rs 5m
(vii) Total spare parts LC exposure per customer at any time not
exceeded Rs 15m
Approval from Relevant Committee should be obtained prior to opening of LC.
In case of perishable goods, ensure that 100% cash margin is held as per the
requirement of SBP.
To ensure that appropriate margin deposit against letter of credit as laid down in
the Risk Appraisal (RA) or as required by the State Bank of Pakistan should be
obtained before establish the LC.
Ensure that a full set of ‘Clean on Board’ Bill of lading/Airway Bill is called to be
made out or endorsed to the order of Faysal Bank Limited showing freight
prepaid.
With respect to Insurance of goods being imported, ensure the following:
• The Insurance Policy/Cover note is in the name of the bank on account of the
importer
• Insurance cover note / Insurance Policy in Pak Rs (110% of LC value plus
tolerance if any) in the name of Faysal Bank Ltd on account of applicant with
premium paid receipt (where insurance is on opener’s account).
• The premium has been paid or covered against a bank guarantee
• The insurance of import is covered in Pakistan
• Risks covered under the policy are specifically mentioned and expressions
such as ‘All Usual Risks’ are not accepted.
• The Insurance Company is on the approved list of the bank
The destination and commodity are as per application
The LC application is signed by the authorized official of the company, signature
of which has been verified by the authorized person.
Indent/ Proforma invoice/ Contract is submitted duly signed by the issuer and
opener. Ensure that commodity, price, beneficiary and amount correspond with
the particulars given on application. Also ensure that the indentor holds
registration of the EPB.
Ensure that the Officer Incharge scrutinizes the documents submitted by the
customer and gets all regularities noted have been rectified before opening of
LC.
Select few LCs and ensure the correctness of the accounting entries passed in
respect of such LCs and reference of UCP 600 (currently enforce) is mentioned
in LC text .
Check from the LC file that any telex inquiry received was responded within a
maximum period of three working days.
Ensure that the LC register is being maintained by the department and all
particulars of each LC application including amendments are entered therein and
each application has been assigned unique identification number in sequential
number.
Check reciprocity register is being updated on daily basis and containing volume
of LCs customer wise.
Select few reimbursement authorities and ensure that the authority to honour
claims was sent weekly for sight LCs and monthly for usance LCs duly signed by
two signatories one of whom must be A signatory.
Select few LCs and ensure that following documents requirement/ terms &
conditions were incorporated in the text of LC:
• Invoices, BL/ AWB, Packing list (if required), copy of shipment advice & drafts
(if required) were called
• Origin of goods (alternate countries of origin of goods are not allowed by SBP)
• BL/ AWB are consigned to FBL favor
• Sent to our correspondent for advising
• If issued by telex, test number on LC amount, if by mail signatures from
category A & B
• Opener’s & Supplier’s name along with their addresses
• LC number & date
• Expiry dates of shipment/ LC
• Amount & currency of LC
• Tenor of LC
• Details of goods required to be imported
• Port of loading & Port of discharge clearly mentioned in LC
• Partial / transhipment is allowed or not
• BL/AWB issued earlier than the date of LC was not allowed
(except import of POL products)
• Period for negotiation of documents
• H.S.Code numbers
• Shipment / Transhipment prohibited on Israel flag vessel
• Correct reimbursement instructions
• Reference of UCP 600 of July 2007 revision
• LC timely transmitted.
'
To ensure that before establishment of LC for import of wheat on behalf of the
clients SBP approval prior to LC establish should be obtained. Further a report
will be submit to SBP status of LCs opened on daily basis.
For Ammendment of LC:
• Customer request for amendment of LC duly signed by authorized signatories
should be obtain.
• Documents scrutinize in light of terms & conditions and applicable UCP rules.
• Approval from relevant credit committee should be obtain
• MT swift message as per LC amendment to be send.
* After having approval, designated officer would prepare the LC amendment
capture the transaction in System (if required). Thereafter, the amendment
request and MT 707 will be forwarded to Desk In charge / team leader/Manager
for verification/authorization of transaction in System.
For Reversal of Expired outstanding LCs:
• Ensure after one month from date of expiry of LC, subsequent to the month end
activity of previous month designated staff will reverse the liability in system
which will subsequently be verified & authorized by Desk In charge /team leader/
Manager Imports as per authority. However, liability of LC will not be reversed if
some matter pertain with LC are outstanding or issued on behalf of government
agencies with the consent of Manager Import.
* LC liability may be reversed on request of applicant with the consent of
beneficiary of LC through advising bank designated staff will reverse the liability
in system which will subsequently be verified & authorized by Desk In-charge
/team leader/ Manager Imports as per authority.
Reinstatement of Reversed LCs "
• Customer request for reinstated of LC should be obtain contain the new expiry
date
• Approval from relevant credit committee should be obtain.
• Designated staff reinstate the LC in the system and recover the charges.
L/Cs Cancellations:
• Check customer request for cancellation of LC.
• Check and ensure that documents against subject have not been received then
swift message sent to the advising bank for cancellation of the LC.
• Check upon receiving of swift message from advising bank inform to the
beneficiary / customer and reversing the LC liability and swift message send to
the advising bank..
Forward Cover:
• To check applications for forward deal bookings at the time of establishment of
new Letter of Credit or against already established Letter of Credit from received
from customer before cut-off time and uploading transaction in TRS.
• Check contents of request and LC & SBP regulations and inter transactions in
TRS.
• Check that Treasury Back Office provided forward contract details/Slip on the
same day and mentioning the forward contract number, rate and period on deal
ticket.
• Check customer acceptance should be obtain and file the original, signed
confirmation slip in respective file.
Forward Booked by other bank where L/C is issued by Us :
• To check that requests received from customers containing the L/C reference
number, amount, currency and rate, tenor, forward booked with Bank.
• Check approval from business.
• Check a NOC signed by authorized signatories and obtain acknowledgement
by delivering the original NOC to BS/RM for onward submission to customer /
bank and file a copy along with the customer’s request in the relevant L/C folder.
• To check in case of close-out of contract before settlement of import bill with
other bank against FBL’s NOC, a confirmation of other must be submitted before
negotiating the rate with FBL ‘s treasury for settlement of import bills.
Forward Deal Take-up
LC issued by us
• To check that treasury /circulate a maturity-wise outstanding report for deals
expiring on or before the expiry of deal.
• To check that content of request and LC and verify the transactions in TRS.
L/C issued by other banks
• Check are the treasury /circulate a maturity-wise outstanding report for deals
expiring on or before the expiry date.
• Check requests are received from the customer / other bank at the BS counter
or, treasury and forwarded to the Trade Department’s Bills Unit along with
certified copy of shipping documents if not received earlier.
• Check that verify the documents and customer consent to debit their account
and verify the payment instructions, value and date applied by the other bank.
• Check that funds are available in customer.
Forward Booked by other bank where L/C is issued by Us
• To check that designated staff inform the other bank about payments and
Nostro details through a letter. In the case of a usance payment and ensure it
must be sent at least 3- working days before, and for sight payments the
currency must be checked. Specify customer name, LC number, their reference,
amount, value date, payment disposal instruction and get it signed by authorized
signatories. Then fax letter and send original by courier.
• Check that designated staff receive a confirmation letter or a copy of relayed
message and check that funds are credited in the relevant NOSTRO with GOOD
VALUE & no deduction. Transaction to be processed only after receipt of
funds/or approval from CRMU and FIG.
Select few bills processed during the period and ensure that:
• Officer Incharge & departmental supervisor had Scrutinized the documents
within two working days.
• bill no. is allocated, all particulars are entered in the bill register and intimation
of arrival manifold is prepared and signed by the department Supervisor
• Intimation arrival of documents sent to the customer within two working days
and customer’s disposal instructions are obtained.
• Check the mathematical accuracy of conversion to rupee value of the
documents on the basis of the exchange rates provided by treasury
• Check the mathematical accuracy and the basis of calculation of the
commission amount.
• Check the accuracy of the accounting entries passed
• Track sheet is prepared by the Officer Incharge and approved by the
Supervisor and Department Head
• In case of Usance draft/documents, ensure that foreign bills stamp at
appropriate value is affixed on the back of the draft
Ensure that customer’s acceptance on drafts and trust receipt is duly obtained
Ensure that telex messages are sent on a monthly basis to the reimbursing
banks authorizing to honor claims of the negotiating banks for Bills due for
payment during the following month.
In case of Discrepancies noted in the documents ensure that following checks
and controls are in place:
• The importer is informed of the discrepancies noticed and his authorization is
obtained on his letter head duly signed by the authorized official
• The discrepancies are not of such nature which contravenes the Exchange
Control/ITC Regulations
• If any of the discrepancies contravenes local exchange regulations in place, the
remittance against the documents is not made until clearance from the
SBP/Customs is obtained
On receipt of customers’ acceptance ensure that a track sheet is prepared by the
officer incharge and is approved by the departmental Head for the release of
documents.
Select few documents on a random basis and ensure that :
• Amount of document is not more than the L/C value
• Documents presented by the beneficiary to the bank is within the validity period
of the L/C
• Importer registration no., letter of credit no. and H. S Code no. are given on the
document
• Shipping marks provided on the documents are as per the terms of Letter of
Credit
• All required documents are received
Select few Bills of lading on a random basis and ensure that:
• B/L is made out or endorsed to the order of FBL
• All the details as to parties, port of shipment, port of discharge, description of
goods etc are in conformity with the L/C
• B/L is marked ‘freight paid’ if L/C is opened on C&F basis
• ‘On Board’ notation is not dated after the latest shipment date given in the L/C
• The date of B/L is not earlier than the date of opening of LC
• B/L was issued by a Shipping Company or its Agent
Select few Commercial Invoices and ensure that details as to beneficiary, buyer’s
name, description of goods, Invoice amount, unit price and quantity of goods and
L/C no. are in conformity with that given on the L/C.
• To check that to retire the documents (in order/discrepant), designated staff
upload transaction in TRS then negotiate the rate with Treasury or report take up
if forward cover already booked within five working days following the day of
presentation of documents. (For local bill transaction will not be reported in
TRES).
• To check if sufficient funds are available in customer’s account or margin held
against issuance of LC or where Shipping Guarantee had already been issued or
AWB/railway receipt endorsed earlier against Margin or lien mark on customer’s
account, bill will be settled from customer’s account or Margin Account
respectively or remove of lien mark on customer’s account.
• To check that designated officer capture the payment & receipt event in system
and will prepare SWIFT messages on applicable format (only where
reimbursement clause states that remittance of proceeds will be arranged as per
negotiating bank’s instructions on receipt of documents).
• To check that for Local Bill, thereafter, pay order request will be prepared dully
signed by authorized signatories & sent to relevant Branch for preparation of Pay
Order or effect payment through RTGS or as advised by negotiating bank's
instructions. If beneficiary is maintaining an account with FBL, funds will be
credited by transfer entry.
• To check that transaction captured & SWIFT messages will be supervised &
authorized by the desk in charge / team leader / Manager Imports respectively as
per policy.
Payment Against Documents:
• To check for sight L/C documents presented, FBL must honor as per UCP
Latest Version within five working days following the day of presentation of
documents if funds are available in customer's account, documents retired by
debiting customer account or through approved available credit facility / limit.
• To check in case funds are not available or no credit facility available for
retirement of documents than FBL shall be lodged in Payment against
Documents (PAD) at the rate recommended by RM or as per SOC or as per
recommendation of Sr. Manager/TL.
• To check in exceptional cases, PAD may be allowed against discrepant
documents (Duly accepted by the client) as per approval by regional risk and
business heads.
• To check thah upon creation of PAD Loan, designated staff keeps original
documents in fire proof cabinets and handed over to respective customer/BS
upon settlement of PAD with mark up against proper acknowledgment.
Documents retired through FATR:
To check if documents retired through FATR or FIM or through any other credit
facility, ensure that upon funds disbursement confirmation from respective CAD
will perform the settlement transaction.
Documents against Usance LC
• To check that upon receipt of documents will scrutinize the documents carefully
in the light of SBP F.E manual rules and regulation and ensure regulatory
compliance regarding OFAC and CPL and terms of letter of credit.
• To check f documents are found in order (clean) or discrepant after scrutiny, in
case of discrepant a message to the negotiating bank on applicable SWIFT
format mentioning discrepancies noted as per UCP. The message so prepared
will be verified & authorized by desk in charge / team leader.
• To check document arrival/discrepancy notice & send it to respective business
services / RM / branch through email for onward submission to respective
customer along with soft copy of Bill of exchange or letter of acceptance (in case
of deferred payment LC) / TR for obtaining customer's acceptance and
signatures.
• Ensure that upon receipt of Letter of Acceptance/Bill of exchange(BE)/Trust
Receipt (TR) from the customer, verify customer’s signatures on the TR, BE, LA
& affix the foreign bill stamps of proper value and deface than pass it to the
officer responsible for processing.
• Ensure that maturity date and keep Draft, LA and TR in the fire proof cabinet in
an envelope in maturity order and entre the acceptance details in system and
prepare SWIFT message for conveying acceptance and maturity date to the
negotiating bank.
• To check copies of Accepted bill of exchange (both sides) duly stamped and
defaced should be retained in the respective file for record and inspection by the
relevant authorities.
• To check that copy of SWIFT messages of the acceptance & maturity date has
been advised to the exporter’s bank must be signed by Desk in charge /Team
Leader/Manager.
• To check upon receipt of confirmation take out documents from fireproof
cabinet, endorse Airway Bill or other relevant transport document or Bills of
Lading for signing as per authority and hand over the documents to respective
BS - and other regions or customer or his authorized representative against
acknowledgment.
• To check upon maturity of draft, respective RM/RO/BM/BU informed to arrange
the rate with Treasury in consultation with customer & ensure availability of
sufficient funds in customer account on maturity date.
• Check that designated officer capture the payment & receipt event in system
• To ensure that if documents remain unaccepted, fate advices must be sent to
the Negotiating Bank on monthly periodically basis by designated officer.
• To check that in case of non-acceptance of discrepant documents for 60-days,
designated are the staff advise the status by SWIFT to negotiating/beneficiary’s
bank & seek further disposal instructions. Documents will be returned to remitting
bank if no alternate course of action is advised by the remitting bank. (in case of
any exception for holding documents for more than 60-day regional business
head approval will be required only with consent of Trade Head) .
Ensure that I Form is prepared and customer’s signature showing his capacity is
obtained for subsequent submission to the SBP and a copy is retained for 3
years as per SBP requirement/checking.
Check the accuracy of track sheet prepared to effect the entries and ensure that
charges & commission is calculated as bank’s schedule of charges and the same
has been approved by the Departmental Supervisor and the Departmental Head.
Check transactions made during the period under review and ensure that the
payments effected for import of Spare Parts & Machinery and industrial users for
their own use registered as importer up to the maximum limit of US$ 10,000
Check that an undertaking from the importer on the prescribed form (Appendix
V31) that in case goods are not received for any reason within the period of four
months, the bank as well as the customer will ensure repatriation of the advance
payment backe.
To check that Credit Worthiness Report of the foreign suppler before allowing
advance payment should be obtained.
To check that bank may also ask the importer to obtain performance guarantee
from the supplier’s bank.
To ensure that in case importer is unable to import goods against advance
payment and underlying contract is cancelled, the bank will impose and recover
a penalty @ 1% per month or part thereof on the amount of advance payment
from the date of remittance till date of repatriation of advance payment.
To ensure that Bank would deposit the penalty amount with the SBP and a
monthly consolidated statement of all such cases will be submitted to the
Director, Exchange Policy Department.
Check designated staff maintain MIS listing outstanding Advance Payments and
closely monitor SBP requirement for receipt of shipping documents within 120
days. In case of late submission of shipping documents, designated staff will
recover the penalty and act as per SBP regulations.
Check upon receipt of documents are scrutinize carefully in the light of SBP F.E
manual rules and regulation and ensure regulatory compliance regarding OFAC
and CPL.
Check transaction capture in system and prepare the SWIFT message on
applicable format to effect the payment.
Check that transactions involve any payment or commitment will be authorized in
Swift & Symbol by Team Leader. All Financial transactions involve any payment
or commitment for amount greater than USD.0.250 Million will be duly approved
from Manager(s).
Check wether bank not allowed advance payment on import against irrevocable
LC upto 100% in vaoilation of as issued by SBP FE circular #6, 14 jul, 2018.
Chech that import of life-saving and essential medicines & devices against
advance payment or on open account basis shall be allowed upto USD 50,000/-
or equivalent per invoice for life saving medicines and devices subject to
submission of a certificate to the Authorized Dealer issued by the principal of a
teaching hospital in public sector or head of a Government specialized hospital,
confirming that the medicines/devices/instruments being imported fall under the
life-saving/essential category EPD Circular Letter No. 15 dated: Sep14, 2018.
Check that advance payment upto USD 10,000 per invoice on behalf of
exporters cum importers for import of raw material and spare parts for their own
use only, (As required by EPD Circular Letter # 01 dated January 01, 2019).
Ensure that import of advance payments upto USD 10,000 or equivalent per
invoice allowed on open account basis upto the said limit against the following
items:-
i) Aircraft related spare parts/components.
ii) Lab equipments/instruments imported by educational institutions for their own
use.
iii) Newspapers, magazines, periodicals, books etc.
(As required by SBP EPD Circular Letter No. 13 dated August 29, 2018)
To check that upon receipt of request along with the relevant documents, verify
the customer’s signatures & also ensure that the required documents as stated
in SBP's F.E. Manual and circulars are enclosed therewith.
To check upon receipt of documents should be scrutinize carefully in the light of
SBP F.E manual rules and regulation and ensure regulatory compliance
regarding OFAC and CPL.
To check staff capture the transaction in system and prepare the SWIFT
message on applicable format to effect the payment. Transaction captured &
SWIFT messages will be prepared and authorized as per authority.'
Check wether bank did not allow payment on open account basis after 20 Jul,
2018 except manufacturing and industrial user of raw material only. As
instructions issued by SBP via FE circular no. 7 . Dated 20 Jul, 2018.
Check that imports on open account basis and advance payment are allowed up
to USD 50,000/- or equivalent per invoice for import of life saving medicines &
devices. However, the limit for imports against advance payment or on open
account basis for essential medicines and devices shall remain the same i.e.
USD 10,000 per invoice EPD Circular Letter No. 15 dated: Sep14, 2018.
Ensure that import of life-saving and essential medicines & devices against
advance payment or on open account basis shall be subject to submission of a
certificate to the Authorized Dealer issued by the principal of a teaching hospital
in public sector or head of a Government specialized hospital, instead of a
certificate issued by the respective provincial health department, confirming that
the medicines/devices/instruments being imported fall under the life-
saving/essential category EPD Circular Letter No. 15 dated: Sep14, 2018.
Check before effecting payment on open account basis following procedure shall
be adopted:-
a) An importer shall get the EIF approved from an Authorized Dealer before
clearance of goods by Pakistan Customs. The Authorized Dealers shall approve
the EIF request upon submission/retention of photocopies of shipping documents
(e.g. B/L, AWB, TR, RR, Courier Receipt etc.), proforma invoice, commercial
invoice etc.
b) Authorized Dealers are required to perform Customer Due Diligence
(CDD)/Know Your Customer (KYC) of the importers, being their account
holders/customers, as per applicable instructions. The Authorized Dealers shall
take all possible measures to verify the bonafides of the importer and
genuineness of the transaction before approving the EIF.
c) Authorized Dealers shall ensure that payments against goods imported on
open account basis are made by the importer within six months from the date of
filing of Goods Declaration Form (GD) for which proper follow up must be made
with the importe.
d) Authorized Dealers shall obtain copies of GD(s) and duty paid
challan/payment receipt, wherever applicable, and make payment after verifying,
through WeBOC user ID, attachment of GD(s) with the respective EIF.
e) Authorized Dealers must ensure that the payment being made against
imported goods is
not more than the declared value of goods imported into Pakistan.
f) Authorized Dealers shall fill in Bank Debit Advice (BDA) for each EIF in
WeBOC at the time of making import payment as provided in EIF module and
settle the EIF in WeBOC as per applicable instructions.
Check n case the importer fails to make remittance/payment of goods imported
on open account
basis within the above stipulated time, appropriate regulatory/legal action may be
initiated
against the importer
To check at the request of industrial establishments as importers, Authorized
Dealers may issue
foreign currency demand draft for import of spare parts/machinery, without
opening of letter of credit, provided such imports are made by air or by courier.
Authorized Dealers will maintain a record of all such drafts issued by them. They
will also obtain Exchange Control copy of Bill of Entry and evidence to the effect
that the import was made by air/courier. These records will be retained till the
next inspection of the concerned bank branch by the State Bank’s Inspectors.
(FE Circular No 15 dated 15-08-2003)
To check that importer submit a copy of the contract/purchase order/proforma
invoice/indent etc. to
the bank for registration of contract.
Review few cases of registration and ensure that the goods mentioned in
Proforma Invoice/ Contracts/ Indent/ Purchase orders are freely importable
goods .
Ensure that the approval as per SOP has been obtained before registration.
To check that documents covering imports are received by the bank which had
registered the contract/purchase order/indent/proforma invoice, directly from the
banker of the supplier abroad, Authorized Dealers have general permission to
make such remittances thereagainst.
To check in case the shipping documents are received by the importer directly, or
by the bank
from the overseas supplier instead of the banker of the supplier, remittance
should be made in
accordance with the instructions contained in para 17 of this chapter
To check that in case of imports from ACU member countries, remittances will be
effected through ACU
Clearing Arrangements
Are the bank will incorporate the figures of the contracts registered by
them/remittances made thereagainst in the statements as per Appendices V-134,
V-135, V-136 and V-137.
To check that trade with Afghanistan through land routes, especially through
Torkham and Chaman borders, banks are allowed to register contracts of the
Pakistani importers and make payments thereagainst as per the regulations:-
a) The contract may be registered for single shipment or any number of multiple
shipments as per the contract
b) Maximum tenure of the contract shall be one year.
c) T&BS approve the Electronic Import Form of the total amount of the contract
against which multiple Goods Declarations (GDs) can be attached.
d) The Pakistani importer may directly receive shipping documents from an
Afghani exporter and get the goods cleared after attachment of GD(s) with
Electronic Import Form.
e) T&BS upon receipt of copies of shipping documents for each shipment from
the importer, shall make payment after verifying amount of intended remittance
from GD(s) attached with the respective Electronic Import Form.
Check the register is being maintained and all particulars of contract are
recorded therein.
Ensure that each case has been assigned a separate sequential reference
number.
Check the charges /commission as per existing bank’s schedule of charges has
been recovered at the time of registration.
Ensure that the certificate of registration of particulars was issued on the format
prescribed on (Appendix V-27) by the SBP and signed by the two signatories
one of whom should be of A signatory.
Ensure that scrutinize the documents against the contract details and identify
discrepancies under latest version of URC if any. Designated Officer also ensure
regulatory compliance regarding OFAC and CPL.
To check that document arrival notice to be send specifying the discrepancies if
any and seeking acceptance from importer through Email/ FAX directly or
through respective BS / RM / branch.
Ensure that following documents are obtained before issuance of a Shipping
Guarantee:
a) Copy of the Invoice.
b) Standard Counter-Guarantee with adhesive stamps of appropriate value as
per applicable law dully signed by customer/applicant.
c) Shipping company‟s prescribed Guarantee Form duly signed by the customer.
d) Authority letter from the customer to debit margin amount from his account or
lien mark on his account if LC is sight or a signed Trust Receipt and a Bill of
Exchange dully accepted by the customer for payment on a fixed maturity date, if
L/C or contract is usance.
e) Non-Negotiable copy of Bill of Lading/Airway Bill.
f) Customer‟s request letter specifying prior acceptance of discrepancy (ies), if
found in documents.
g) Customer‟s signatures on Counter Guarantee form, Trust Receipt/Bill of
Exchange (if usance) and debit /lien marking authority must be verified prior to
sending the above documents to TPC. In case of signature not verified due to
any reason by respective officer, signature must be verified at TPC before
processing the transaction.
Also ensure that signatures appearing on customer’s letter, Counter guarantee &
Trust Receipt have been verified from the list of authorized list
Ensure that proper approval procedures are followed with respect to issuance of
a shipping guarantee
• Before issuing a Shipping Guarantee in case of Usance L/C an offering sheet is
prepared reflecting the current liabilities of the customer
• In case the amount of the guarantee is within the established credit limit of the
customer, approval of Departmental Head is obtained.
• Where the liabilities exceeds the credit limit of the customer or any clause of
the text of guarantee exposes the bank financially, approval of relevant Credit
Committee is obtained
In case of sight LC the margin equivalent to bill amount is held against the
guarantee. (105% or advised by risk or Trade Head in case of sight L/C)
Ensure that before issuing a shipping guarantee it has been cross checked from
the shipping news bulletin that the ship carrying the goods has arrived at the
port.
Ensure that a proper shipping guarantee register is maintained containing
following details and is being updated on a timely basis
• Serial no. and date
• Shipping guarantee number and letter of credit number
• Customer name
• Bill amount in foreign currency/local currency and amount of commission
charged
• Date original guarantee received duly cancelled
• Name of carrying vessel
Select few transactions and trace them in the guarantee register to ensure that
the register is updated on a timely basis with all the relevant particulars on
issuance of a guarantee.
Check the accuracy of the accounting entries made to effect the issuance of the
guarantee and ensure that the charges & commission recovered as per bank’s
schedule of charges.
Ensure that track sheet prepared to effect the accounting entries is authorized by
the Departmental Supervisor and the Departmental Head.
Ensure that the release of guarantee is effected only upon:
• Receipt of the shipping documents under L/C
• Bill of Lading and track sheet is signed by the Officer concerned and approved
by the Departmental supervisor and Departmental Head
Check the accuracy of the accounting entries made to effect the release of the
Guarantee
Upon receipt of original shipping documents against which a shipping guarantee
had already been issued or AWB endorsed earlier, designated staff will retire the
relevant bill by debiting margin account or remove lien mark on customer‟s
account after redemption of shipping guarantee followed by send a call letter to
respective shipping company for return of original instrument in case of sight
LC,TPC shall advise the maturity date to negotiating bank in case of Usance LC.
On receipt of original shipping documents will be retired within 5-working days
than delivered/ dispatched to customer/ concerned business services / RM /
branch/trade hubs respectively keeping one Original BL with the Bank in case of
shipment by sea.
Are the designated officer endorse and signed by authorized staff the Original
Bill of Lading retained by the Bank and dispatch to shipping company with a
covering letter for return of original guarantee instrument.
After the 30-days, upon confirmation by courier company for delivery of
consignment/letter to shipping company or on receipt of original instrument, are
the designated staff reverse the liability in systems which should be verified &
authorized by desk incharge / team leader or manager imports respectively as
per authority.
Are the designated officer will mark “Cancelled” on shipping guarantee and file
the same in respective folder?.
Are the respective team leader reviews the outstanding shipping guarantees on
fortnightly basis in order to initiate action for cancellation of all those guarantees,
which are outstanding for more than 30-days. This could be due to non receipt of
shipping documents or delay on the part of the shipping companies despite
having submitted the original bills of lading to them for returning of the shipping
guarantee.
Ensure that proper approval procedures are followed with respect to issuance of
a Bank Guarantee
• Guarantees are only issued against prior sanctioned lines advised to the
Department through Customer Facility Forms/RA
• Where prior sanctioned lines are not available or the facility requested is in
excess of the approved credit limit, the offering sheet is forwarded to the CBG for
approval
• All letters of Guarantees and all other documents committing the bank
financially are signed jointly as under:
• All Guarantees committing the bank financially are approved / notified by / to
the competent authority as follows:
US$ 0.1M should be signed by “Manager”
US$ 0.1M to 0.5M should be signed by “Departmental Head”
US$ 0.5M to US$ 1M should be signed by “Head T & BS”
Above US$ 1M to US$ 5 M should be signed by “Head T & BS & Head of Ops”
Above US$ 5M to 15M should be signed by “Head T & BS & Head of Ops” and
notified to “Head CIBG, CRO & CBG Head”
Above US$ 15M should be signed by “Head T& BS & Head of Ops” and notified
to “CRO, P& CEO, Head CIBG & Head CBG(regional).
Select few guarantees and ensure that all Bank Guarantees issued clearly and
unequivocally state the expiry date of the bank’s obligation and the claim
lodgment date as required by the SBP regulations.
Select few guarantees issued during the period under review and ensure that:
• appropriate margin deposits are held in accordance with the customers RA/
approval
• Guarantee issued on Stamp papers of appropriate value
• Guarantee commission is recognized at the time of issuance of the guarantee.
Where the terms of the guarantee are such that the claim could be lodged after
6/12 months after the validity date, the commission for the aforesaid 6/12 months
is recovered up-front and credited to the suspense account.
• Guarantees issued are supported by a Counter Guarantee on FBL’s format
indemnifying the bank from any possible losses, arising from its issuance and
invokement
• Format of guarantee is signed by the customer.
Where the terms of the Guarantee involves payment to a non-resident either in a
foreign currency or local currency, ensure that prior approval of the SBP has
been obtained.
Ensure that any alterations made in the terms of the guarantees subsequent to
its issuance are initialed by both the designated signatories under the stamp of
the bank.
Ensure that a Guarantee Register is maintained properly outlining all the relevant
details regarding the Guarantees issued and is being updated on a timely basis.
Check the accuracy of the accounting entries made to effect the issuance,
enhancement if any, commission and release of the Guarantee and the margin
held against such guarantee. Commission & charges recovered as per bank’s
schedule.
Ensure that all Guarantees issued are held in dual custody of the designated
officers/employees and locked overnight in a fire-proof filing cabinet.
Check that the liability is reversed on its expiry leaving of Rs 1.00 outstanding in
case the guarantee issued in favor of beneficiary other than Government/ Semi
Government Organization. Ensure that liability of guarantees issued in favor of
Government/Semi Government Organization is reversed under legal advise.
Are the designated officer review the Bank Guarantee Maturity report generated
by the system on weekly basis as recommended by Manager/TL Guarantees
and also cross check the same with the report available on KM?
Are the reminders intimating the expiry & return of original instrument will be sent
to the customers whose guarantees are matured?
To ensure that upon receipt of original instrument directly from beneficiary or
through the applicant, designated staff will reverse the Margin if any and
contingent liability accordingly which will subsequently be verified & authorized
by team leader / manager guarantees.
In cases where original instrument is not returned after expiry date, three
reminders will be served to the customer & beneficiary and delivery confirmation
copy of Courier Company must be file as proof for dispatch of call letter for
original guarantee instrument.
Are the designated staffs will file the cancelled/satisfied guarantee in relevant
folder?
Check that the signature appearing on customer instruction letter is verified and
duly time & date stampedCheck that the signature appearing on customer
instruction letter is verified and duly time & date stamped.
Following export documents should be obtained:
a) Check List
b) Exporter cover letter signed by authorized signatory of the company stating
the list of documents submitted to Faysal Bank Limited with the reference of
letter of credit against which documents have been drawn.
c) If customer submitted other bank‟s E-Forms with documents to be negotiated /
discounted, then a (NOC) No Objection Certificate will also be required from
relevant bank for handling & processing of export documents
d) Goods declaration Certificate (hereinafter referred as GD) issued by customs
authorities. Invoice and GD value should match with each other.
e) Short shipment notice in case E-form amount is greater than the invoice value.
f) f) Duplicate and Triplicate Copy of E-form.
To ensure that documents received must be complete as per LC and customer
instruction letter duly signed by exporter.
The documents are scrutinized within the following respective authorities:
Check upon receipt of documents should be scrutinize by two officers carefully in
the light of terms and conditions of the Letter of credit & applicable UCP (Uniform
Customs & Practice), URR (Uniform Rules for Reimbursement), ISBP
(International Standard Banking Practice), SBP F.E manual rules and regulation
and ensure regulatory compliance regarding OFAC and CPL.
Check all discrepancies are noted on scrutiny sheet and customer’s consent in
writing or over phone or e-mail of discrepancies is obtained.
Check that approvals of relevant Credit Committee have been obtained in case
of negotiation of documents on offering sheet accompanied by scrutiny sheet
containing list of discrepancies noted and their status.
Ensure that allocation for the bank risk is obtained from FIG and the approval is
in place of CCC/ FIG for the banks having ranking over 1500.
Sequential number from export bills register is allocated and all relevant
particulars are entered therein which is regularly updated.
In case of negotiation is allowed for discrepant documents, the customer’s
indemnity is obtained.
Check the calculation with the exchange rate obtained from treasury duly
accepted by the customer and ensure that the accounting entries are correctly
recorded in G/L and withholding tax is properly recovered from the proceeds of
negotiation.
Ensure that the tracking sheets are approved by the supervisor & department
head.
Ensure that relevant documents have been sent to opening bank by courier
service within a period of two working days and copies of all documents have
been retained for the record duly microfilmed.
Check after dispatch of Documents to Issuing Bank, Issuing Bank will advise the
maturity date within 5 working days of receipt of documents. If such advice is not
received within the stipulated time, SWIFT message will be sent to the issuing
bank within 15 days from the date of dispatch of documents for authenticated
acceptance.
Ensure that the payments are timely received and in case of delay compensation
should be recovered.
Select few paid bills and ensure that full payment of all bills have been received
and in case less payment is received the short fall has been recovered from the
customer.
Check that paid files have been duly marked paid and transfer to settled section.
Ensure that the drafts drawn on usance basis having adhesive stamps of the
appropriate value (present rate is Rs 2/- per thousand).
Check that the Credit Report of buyer is on record and ensure that the same
confirms sound financial standing and good reputation of the buyer in case of
export on firm contract on DA or TR basis.
Check that upon receipt of collection bills payment, the exchange rate is
obtained from treasury and accepted by the exporter.
Check the calculation made for payment and ensure that the withholding tax,
EDS, charges & commission are recovered from the exporter as per the bank’s
schedule of charges.
Ensure that shipping documents should be presented within 21 days form ‘E’
certification and 14 days from the shipment date.
Ensure that certification of Form ‘E’ should be prior to shipment of goods.
Check the tracking list and ensure that the same is approved by the supervisor
and department head.
To check upon receipt of payment in our specified Nostro Account check the
followings:-
• Are the T&BS inform the BS / RM / branch on the same date for negotiate
exchange rate with the Treasury if no forward booking had been done by the
exporter.
• Are the exporter realize the export proceed within three working days. If an
exporter does not conclude a transaction by end of the third working day, the
CPU Trade will report the export proceeds to treasury keeping BS/RM in loop
and they shall purchase the same at the buying rate of weighted average
customer exchange rate of that day as available on SBP website.
• Are the staff will record proceeds realization against each EFE through BCA
module in WeBOC.
• Check after the realization the same inputting in in ITRS and submitting to SBP
along with following documents.
Inland Bills Negotiation under LC (Sight/Usance)
Check that the signature appearing on customer instruction letter is verified and
duly time & date stamped.
Following export documents should be obtained:
• Customer cover letter
• Draft/ Bill of Exchange (In case of Usance LC)
• Invoice
• Packing List
• Truck Receipt/Railway Receipt
• Delivery Challan
Check upon receipt of documents scrutinize jointly carefully in the light of terms
and conditions of the Letter of credit & applicable UCP (Uniform Customs &
Practice), URR (Uniform Rules for Reimbursement), ISBP (International
Standard Banking Practice), SBP F.E manual rules and regulation and ensure
regulatory compliance regarding OFAC and CPL .
Check that staff inform the discrepancies to the exporter & advising to arrange
authority to send the documents on collection basis from respective customer. It
must be ensured that discrepancies are communicated immediately after
scrutiny.
To check dispatch of original export documents are made by exporters directly in
the light of FE Circular No. 11 of Dec 11, 2017.
Ensure to forward the requests of sugar mills through respective Departmental/
Business/Group Heads to the Director, Foreign Exchange Operations
Department (FEOD), SBP-Banking Services Corporation (BSC), Head Office,
Karachi for approval along with the attested / authenticated copies of the
documents as mentioned in the section 2a of the circular as per EPD Circular
Letter No. 20 dated: October 30, 2018.
Ensure that the mechanism to process the cases of eligible sugar mills for cash
freight support against the export of sugar is followed in the same manner as
defined in EPD Circular Letter No.04 of 2019 dated: February 22, 2019.
Inland Bill Discounting under Bank Line:
• To check local inland Bill Purchase against approved customer credit line and
short-term financing where Bank purchase the full set of local inland export
documents under usance L/C.
• Check customer request for purchase or inland export documents.
• Check T&BS credit the customer account with the net amount (excluding
charges as per the current schedule of charges from bill amount) if discounting
charges are on beneficiary by capturing the relevant transaction in system
subsequently be verified & authorized by Authorized Officer.
• To check f payment not received after acceptance of usance bill then SWIFT
message / reminder should be served on LC Issuing bank.
• To check upon receipt of proceeds from the issuing bank in the shape of
demand draft / pay order / RTGS Authorized Officer at CPU-T&BS shall inform
the concerned BS / RM / branch /Customer about the realization of Local
discounted bill and demand draft/pay order will be lodged in clearing in
designated account. Upon receipt of fate in the designated account, Authorized
Officer will settle the respective bill by capturing the relevant transaction in the
system which will subsequently be verified & authorized by Supervisor /
Manager.
Reporting of Overdue Cases
To check that statement showing the total figures of all export bills outstanding
(including partly
unrealized) relating to all their branches, at the end of each month in the
prescribed form (Appendix V-19).
To check taht statement in the prescribed form (Appendix V-20) containing
particulars of those export bills
which have become overdue during the month under report. This statement will
be prepared and will be submitted in duplicate for each area separately. The
outstanding export bills pertaining to each exporter
should be listed in a sequence with exporter-wise totals and the grand total given
at the end. However, the statement for the month of June each year should show
particulars of all overdue export bills as on 30th June.
To check taht statement in Appendix V-21 showing particulars of those cases
which were reported by
Authorized Dealers as overdue in the previous statements but the items are
deleted from their books during the month under report either due to realization
of the proceeds or under instructions from the State ank/SBP-Banking Services
Corporation
To check that the above statements in Appendices V-19, V-20 and V-21 should
reach the Foreign Exchange
Operations Department (Central & Statistics Section), SBP-Banking Services
Corporation, Head Office,
Karachi by the 15th of the month.
Customer request should be date and time stamp.
On receipt of documents the same must be processed and sent out to the
collecting bank within a period of two working days.
To ensure that shipping documents must be presented within 21 days of form ‘E’
certification and within 14 days from the shipment date.
Copy of firm contract should be obtained.
To ensure that if fate of collection is not known from the collecting bank within 7
days, a reminder / follow-up should be sent to collecting bank for obtaining fate
of the collection.
To ensure that bill of exchange in case of Usance bill adhesive stamps should be
affixed.
To ensure that E’ form certified by the custom authorities / bank before the
shipment date
To ensure that duplicate copy of E form should be certified / endorsed from the
customs authorities or copy of Goods Declaration Form (GDF) containing the
Form ‘E’ number obtain / retrieved from Pakistan Customs Computerized System
(PACCS) as a proof of customs verification. Further the same also certified by
the bank officer with the date of certification.
To ensure that documents should be scrutinized by two persons.
To ensure that duplicate copy of Form ‘E’ retain and Triplicate copy of the same
surrendered to SBP.
To ensure that in case of short shipment a short shipment notice to be obtained
duly certified by customer authority and reported to SBP with monthly returns.
To ensure that all the shipping documents should be obtained.
To ensure that exports proceeds should timely be credited in customer account.
Check the calculation made for payment and ensure that the withholding tax,
EDS, charges & commission are recovered from the exporter as per the bank’s
schedule of charges.
Making and Dispatch of Shipping Documents by the Exporters
To check that T&BS may allow making of shipping documents in the name of the
foreign importers and dispatch of the same by the exporters to the foreign
consignees or their agents in the country of final destination by issuing a
certificate as per Appendix V-12A to the carriers (ships, airlines, trucks, railways
etc.)
subject to the following terms and conditions:
i) The value of export consignment must not exceed USD 100,000 or equivalent
in other currencies.
ii) The export overdues of an exporter should not be more than 5% of the
previous year’s exports.
iii) The total outstanding/unrealized exports allowed by the AD through this facility
hall not exceed 25% exports of the preceding year.
iv) This facility shall be extended only to those exporters who have export
erformance of at least 3 years with a minimum total export realization equivalent
to USD 1.00 million. To this end, the T&BS may accept certificates of other AD
showing export performance of the exporter through them.
v) The T&BS shall obtain an undertaking from the exporter that export proceeds
against such exports will be realized as per the prescribed time period. Further,
the T&BS, at its discretion, may obtain the personal guarantees of the
directors/Sponsors of the firm/company to ensure realization of export proceeds
against such shipments.
vi) Before certification of Form-E/EFE, the T&BS shall obtain a valid
contract/proforma invoice and satisfy itself about the bonafides of the
importers/consignees abroad. Further, the T&BS shall also obtain copies of
shipping documents (electronically or manually) within 5 working days of the
shipment.
vii) The AD shall monitor the shipment(s) made by the exporter and ensure
realization of export proceeds thereagainst within the prescribed time. In case of
nonrealization within the prescribed period, the matter shall be reported to the
Foreign Exchange Operations Department, SBP-BSC as per applicable
instructions.
viii) In case of unsatisfactory behavior of the exporter or export overdues
exceeding the prescribed limit, as mentioned at (ii) above, the T&BS shall
discontinue extending the above facility to the exporter
Customer request should be date and time stamp.
To ensure that on receipt of Advance payment OFAC and CPL must be checked
and evidence to this effect will be provided by signing on a checklist.
Are the purpose of remittance must be obtained from the exporter?
Are the customer appearing on the advance payment voucher verified?.
Are the authorized officer report transaction in TRS. BS/RM/BRANCH would then
intimate the customer for negotiation of exchange rate with treasury.
Are the transaction verified & authorized by Authorized Officer/ Authorized Officer
in the system?
Are the system generated credit advice (automatically) forwarded to respective
BS along with proceeds realization certificate for onward delivery to the customer
against proper acknowledgment?
To ensure that E’ form certified by the custom authorities / bank before the
shipment date.
To ensure that duplicate copy of Form ‘E’ retain and Triplicate copy of the same
surrendered to SBP.
To ensure that original advance payment voucher surrender to SBP and
duplicate copy of the same was retain in bank record.
To ensure that advance payment voucher should be signed by the Bank officer /
Customer.
To ensure that Form ‘E’ certified for export in accordance with the declaration
made on the advance payment voucher.
To ensure that Proceeds Realization Certificate (PRC) issued on Appendix V-21)
signed by authorized signatories.
To ensure that in case of more than one Form ‘E’ value of Form ‘E’ and
remaining / unlisted balance shall be endorsed on the duplicate copy of advance
payment voucher.
To ensure that exports proceeds should timely be credited in customer account
after the deduction of applicable charges.
Check the calculation made for payment and ensure that the withholding tax,
EDS, charges & commission are recovered from the exporter as per the bank’s
schedule of charges.
To ensure that follow-up should be made for obtaining shipping documents after
signing of Form ‘E’.
To ensure that if customer do not submitted the shipping documents despite the
lapse of 14 days after the shipment or 21 days after the certification, a reminder
should be send to the customer.
Is the authorized officer enter the particulars in the Advance Payment register
and E-form certification register?
To ensure that advance payment can be utilized within a year after its receipt,
thereafter, SBP revalidation should be required and advance payment voucher
should be marked with such caution, in order to avoid possibility of utilization of
such payment.
To ensure that in case of loss of original PRC, the State Bank on application
would authorise issuance of duplicate thereof on the basis of undertaking given
by the Authorised Dealer and the word "Duplicate" will be prominently marked at
the top of such certificates
In case of export proceeds are over due since long a proper follow up with the
exporter should be made.
To ensure that duplicate and triplicate copies of E – Forms should be endorsed
at the back and subsequently latter should be submitted to SBP on a monthly
basis, accompanied with Banks cover letter, PRC, advance payment voucher,
commercial invoice and Airway Bill (AWB) / Bill Lading.
Are the manager exports or officer counter check the returns & sign the same
along with round stamp of bank. It must be ensured that returns are submitted to
SBP before third of every following month for the preceding month.
To ensure that all the advance payments received during the month must be
reported to SBP via schedule A – 2 / 0 – 2 along with original APV vouchers on a
monthly basis.
Booking
• To check customer’s request obtain for booking of forward contract.
• Check after receiving cover from Treasury T&BS booked the forward contract
number, rate and period and inform to the customer.
• To check upon received of proceeds of bill update the forward contract in TRS,
convert the proceeds by applying forward booked exchange rate and credit the
proceeds in customer account.
• To check the same is report to treasury TRES to update their record.
Closed Out
• Check if the proceeds of the underlying bill are not received on or before
maturity of the respective contract, the forward contract shall be closed out.
While closing out the forward contract following procedure shall be adopted.
• Check if contract is not utilized for any reason, customer / BS / RM / branch
shall negotiate exchange rate with the Treasury to close out the forward contract.
• Check treasury will report transaction on TRS at which the close out of the
contract will take place and update rate on TRS.
• Check rate advised by the BS / RM / branch duly negotiated with Treasury,
would be used to compute the difference amount between the booked rate and
the current rate while processing necessary transaction. The difference would
either be positive or negative. (Recoverable from customer or payable to
customer by CPU Centralized Operations-T&BS).
Issuance
• Check the exporter will submit Form-E request electronically through WeBOC
to the designated Trade hubs.
• Check staff at trade hub, electronically approve or reject Form-E request as per
instructions contained in Para 8, Chapter XII of FE Manual.
• Check upon receipt of exporter’s request, staff ensure that OFAC and CPL are
checked in case of positive Hit the same must be referred to CAAML/AML for
their consideration / approval to proceed.
• Check that all the fields of EFE are properly filled by the customer.
• Check full description of goods (not in general in nature / generic name) with
complete details of Quality/Varieties/Sub categories must be declared on E-form
• Check that tenor of payment is not beyond permissible time period i.e. LC
(Sight/ Usance) or DA/ DP or Advance Payment
• Check availability of satisfactory credit report in case of DA or TR basis. CPU-
T&BS will arrange the credit report if not available before certifying EFE.
Necessary charges to this effect will be recovered from the customer.
• Check if the terms of payment are advance payment, then ensure that the
advance payment is already received and record the same in the remarks
section of Form E on WeBOC. Also endorse the advance payment amount on
Duplicate Copy of Advance Payment voucher (APV). The details on E Form must
be in accordance with the declaration made on APV.
• Check terms of shipment are specified (FOB, CFR CIF or any Other
INCOTERMS).
• Check on receipt of customer’s request approved by business group to transfer
the EFE to another bank, the Authorized staff may transfer it to the negotiating or
collecting bank through Bank to Bank BCA transfer module in WeBOC.
Maintenance of Record of approved Electronic Form-E
• To check that complete record of EFE approved by Authorized staff at different
trade hubs transfer to HO through WeBOC Bank to Bank BCA Transfer module
on daily basis.
• All record of EFEs shall be kept by Head Office in electronic form through
acquisition and updating of data from WeBOC.
• On receipt of shipping documents, authorized staff takes print-out of EFEs from
WeBOC and keep in export file for record and FE returns purpose.
Submission of Export Documents to Authorized Dealers
• To check upon receipt of Export documents, staff fill the relevant sections of
Bank Credit Advice (BCA) for each EFE in WeBOC, including date of lodgment of
shipping documents with Bank,
• To check upon receipt of acceptance received from importer’s bank, authorized
staff also fills in relevant sections of Bank Credit Advice (BCA) for each EFE in
WeBOC wherever documents are negotiated or collected through them.
• Check in cases where shipping documents are not received within 14 days
from the date of shipment, Authorized staff shall immediately follow-up with
exporter and send reminder letter to ensure that shipping documents are
submitted to it.
• To check where bank fails to obtain shipping documents from the exporters
within 30 days of shipment, authorized staff shall report such cases to respective
area/regional offices of FEOD, SBP-BSC, Head Office, Karachi on monthly basis
latest by 15th of each month in the prescribed form (Appendix V-11).
• To check HO share the details of E-forms with respective Trade Hubs if
shipping Docs are not received within 14 days from the date of shipment for
onward follow-ups with respective customers and submission of report to
regional SBP offices on monthly basis latest by 15th of each month in the
prescribed form (Appendix V-11).
• To check in cases where the exporter ships a quantity less than that declared
on EFE, Authorized staff shall negotiate/collect the shipping documents on the
basis of value declared in GD Form after verification from WeBOC.
• To check if a shipment to be made by a particular vessel is temporarily shut-out
and reshipped by another vessel, approved EFE shall remain valid.
• To check if a shipment is entirely shut-out and is not being reshipped by
another vessel, approved EFE will be detached by the Customs from the GD
Form and can be reused within original validity period.
Realization against Electronic Form-E
• To check upon realization of Export proceeds, authorized staff will record
proceeds realization against each EFE through BCA module in WeBOC.
• To check in case of remittance received in advance for goods to be exported
from Pakistan, the same may initially be recorded in remarks column of EFE
while approving it and after shipment, advance payment details shall be filled in
BCA module in WeBOC for each EFE.
• To check after realization of Export proceeds, printed copy of EFE send to
respective area office of FEOD, SBP-BSC, Head Office, Karachi along with
monthly returns in which realization of export proceeds is reported.
• To check in case of Advance Payment, copy of EFE shall be submitted with
Advance Payment Voucher (APV) and shipping documents as per existing
instructions.
To ensure that stock of ‘E’ form should be maintained centrally at HO, upon
request of branches the stock will forward after the entries made in ‘E’ form
issuance register with serial no.
To ensure that stock received from GSD entered in ‘E’ form stock register and
shall be kept in fire proof cabinet overnight.
To ensure that monthly balancing of ‘E’ forms should be done.
To ensure that form should be issued on the basis of written request signed by
the an authorized signatories duly verified by the designated officer and
acknowledgment from the customer should be obtain in ‘E’ form issuance
register.
To ensure that prior approval of respective group’s team leader is required to
issuance “E’ form to a new customer for the first time.
To ensure that if customer do not submitted the shipping documents despite the
lapse of 14 days after the shipment or 21 days after the certification, a reminder
should be send to the customer.
Printing and Distribution of Export Forms.
To check that T&BS required to maintain a complete record of all export forms
printed by them and of their distribution to their branches and customers. For this
purpose, they should maintain a Stock Register which should show branch-wise
distribution of the export forms. It is the responsibility of the Head Offices to keep
their branches adequately stocked with the export forms
Maintenance of Party-wise Record of Certified Export Forms
T&BS should maintain another register for recording therein the particulars of
export forms issued and certified by them in respect of each exporter. In this
register they should record against each form the date of submission of the
export documents
To ensure that fortnightly / monthly balancing of margin held against LCs/LGs
should be conducted by the designated staff.
Are the T&BS maintain the sufficient stock of security stationery (foreign bills /
adhesive stamps)?
Are the designated officer record the details number of stamps in the register /
log?
Are the designated staff debit the customer account after issuance of stamps?
Are the designated staff conduct the fortnightly / monthly balance of security
stationery / stamps on hand?
Obtain list & frequency of reports prepared by the department review the
accuracy of report and submitted to relevant authorities before due dates.
To ensure that customer submit the application along with the following
documents.
Request letter
Application from for payment or R&D
Customer certificate from R&D support on Export of Textile.
Export proceeds realization certificate
Research and development certificate
Indemnity to this effect that in case any objection raised by SBP the amount
will be paid back by FBL.
Concerned staff should ensure the following:-
To ensure that date & time stamp should be affixed on documents and
signature verified.
To ensure that documents received from branch should be properly scrutinize
A prominently Rubber Stamp affixed at the top of the Triplicate copy of the
relative “E” Form.
An IOM prepare by the designated staff and forward the same to the team
leader or manager export for signing.
To ensure that upon receipt of claim in our account maintained at SBP, staff will
credit the amount of the R&D support to the respected exporter within 24 hours
of receipt of credit.
To ensure that applications containing discrepancies returned by SBP within two
working days, the same should be re-submission after rectification within the
stipulated period.
To ensure that in case of export against advance payment, claim for R&D
support may be lodged once related goods have been shipped.
Select few bills and ensure that the withholding tax on export proceeds
recovered from the customers have been deposited to Government Treasury on
next working day.
To ensure withholding tax and Export Development Surcharge (EDS) deposited
in government treasury within the 72 hours from the date of deduction.
To ensure that designated staff prepare an IOM address to the BM of main
branch signed by the Manager Export of issuance of pay order in favour of
SBP/NBP. The same should be deposited in SBP/NBP along with tax challan
against proper acknowledgment.
To ensure that prepare monthly WHT statement on prescribed format issued by
income tax department and submit the same before 10th of each month to
respective income tax department.
Review security arrangements in the department and ensure that all relevant
stationery / documents are kept in fire proof cabinet under dual custody of senior
staff.
Also ensure that shipping (export/import) documents are kept under dual custody
of authorized officers in fire proof cabinet and their backups are senior staff of
the department.
Forms I & E are available in pre-numbered and kept under proper lock & key
system.
Ensure that department’s stationery and records are properly safe guarded and
are not accessible by any unauthorized person.
The system access passwords are well protected and no one shares his
password with others.
Obtain list of statements required to be submitted to SBP / Govt. / Management
and ensure the same are submitted in time.
To ensure that system generated Pre Consolidated Generated Entries Report
extracted from the system and cross with all the source documents / vouchers
posted in the system and such checking verification will also be endorsed the
reported by two authorized signatories of the department / Branch.
To ensure that bank records are maintain for a minimum period of five (5) years,
all necessary records on transactions both domestic and international.
• Records pertain to any law enforcement agencies for investigation or legal
proceedings retain those records for longer period where transactions relate to
litigation or are required by the Court of law or by any other competent authority.
To ensure that movement of safe / cabinet keys should be recorded in key
register under approval of functional head.
Check under invoicing in import cases in order to avoid receiving excess value.
Check under invoicing in export in order to avoid transfer excess value.
Check over invoicing in import in order to avoid transfer excess value.
Check over invoicing in export in order to avoid recieve excess value.
Check short shipment in import in order to avoid transfer excess value.
Check short shipment in export in order to avoid receive excess value.
Check over shipment in import to avoid receive excess value.
Check over shipment in export to avoid tranasfer excess value.
Check obfuscation of goods in documents.
Check multiple invoicing in a case.
Check phantom shipment i.e. shipping nothing at all with false invoices.
Check The description of goods on the Goods Declaration Form/Transport
documents significantly varies from the description declared on EIF/MIF,
EFE/MEF or underlying contract.
Check Significant variation is found between the description of the goods on the
bill of lading and the invoice.
Check There are indications that the descriptions of the goods is disguised.
Check The tenor of the transaction does not commensurate with the nature of
the underlying goods – for example perishable goods are traded on terms
involving lengthy usance period.
Check Documents such as an L/C received through unverified channels such as
unauthenticated SWIFT message.
Check The type of goods being shipped appears inconsistent with the exporter’s
or importer’s regular business activities.
Check The size of the shipment does not commensurate with the size of the
exporter’s or importer’s regular business activities.
Check The packaging of goods inconsistent with the commodity or shipping
method
Check The goods are transshipped through one or more countries/jurisdictions
for no apparent economic or logistical reason.
Check The country from which goods are being shipped is designated as “high
risk” for money laundering activities.
Check The transaction involves the receipt of payments from third parties that
have no apparent connection with the transaction.
Check The method of payment apparently does not commensurate with the risk
characteristics of the transaction.
Check The transactions involving consecutive trade discount offered by
exporters to the same importer.
Check The transaction involves repeatedly amended or frequently extended
letters of credit.
Check An Importer remits advance payment(s) does not receive shipment(s)
there against.
Check The transaction appears to involve use of front or shell companies for the
purpose of hiding the true parties involved.
Check The transaction involves import/export of dual use goods.
Check The item ordered is incompatible with the technical level of the country to
which it is being shipped, such as semiconductor manufacturing equipment
being shipped to a country that has no electronics industry.
Check Where important details are missing on commercial invoice(s) or
mentioned vaguely.
Check Where some of the shipping documents are provided in photocopies
instead of original against the regularity instructions or against normal business
scenarios.
Check Where goods declaration in commercial invoice(s) are not proper,
incomplete or otherwise not mentioned at all to conceal the facts.
Check Receipt of proceeds from non-cooperative countries as per FATF list
against the shipment made to a third country.
Check Where export proceeds are received from unrelated/third party with
differing nature of business from that of exporter.
To check periodic review of the trade portfolios shall be done by ADs to keep the
risk profile of their customers updated. However, timeline of this review shall not
go beyond three years in any case?
To check that transaction involves person or entity in foreign country of
proliferation concern.
To check that the customer or counter-party or its address is similar to one of the
parties found on publicly available lists of “denied persons” or has a history of
export control contraventions.
Are the customer activity does not match business profile, or end-user
information does not match end-user’s business profile
Order for goods is placed by firms or persons from foreign countries other than
the country of the stated end-user
Transaction involves possible shell companies (e.g. companies do not have a
high level of capitalization or displays other shell company indicators).
Transaction demonstrates links between representatives of companies
exchanging
goods i.e. same owners or management
Trade finance transaction involves shipment route (if available) through country
with weak export control laws or weak enforcement of export control laws
Transaction involves persons or companies (particularly trading companies)
located in countries with weak export control laws or weak enforcement of export
control laws
Transaction involves shipment of goods inconsistent with normal geographic
trade patterns (e.g. does the country involved normally export/import good
involved?
Transaction involves financial institutions with known deficiencies in AML/CFT
controls and/or domiciled in countries with weak export control laws or weak
enforcement of export control laws
Based on the documentation obtained in the transaction, the declared value of
the
shipment was obviously under-valued vis-à-vis the shipping cost
Inconsistencies in information contained in trade documents and financial flows,
such as names, companies, addresses, final destination etc.
Pattern of wire transfer activity that shows unusual patterns or has no apparent
purpose
New customer requests letter of credit transaction awaiting approval of new
account
To check that use of cash or precious metals (e.g. gold) in transactions for
industrial items
Involvement of a customer or counter-party, declared to be a commercial
business,
whose transactions suggest they are acting as a money-remittance business
Involvement of a university in a country of proliferation concern
Description of goods on trade or financial documentation is nonspecific,
innocuous or misleading
Evidence that documents or other representations (e.g. relating to shipping,
customs, or payment) are fake or fraudulent
Use of personal account to purchase industrial items
ID Select Control Process Name
P1.R1.C1.T1 P1.R1.C1 Account Maintenance, CAAML & CDD
P1.R1.C2.T1 P1.R1.C2 Account Maintenance, CAAML & CDD
P1.R1.C3.T1 P1.R1.C3 Account Maintenance, CAAML & CDD
P1.R1.C4.T1 P1.R1.C4 Account Maintenance, CAAML & CDD
P1.R1.C5.T1 P1.R1.C5 Account Maintenance, CAAML & CDD
P1.R1.C6.T1 P1.R1.C6 Account Maintenance, CAAML & CDD
P1.R1.C7.T1 P1.R1.C7 Account Maintenance, CAAML & CDD
P1.R1.C8.T1 P1.R1.C8 Account Maintenance, CAAML & CDD
P1.R1.C9.T1 P1.R1.C9 Account Maintenance, CAAML & CDD
P1.R1.C10.T1 P1.R1.C10 Account Maintenance, CAAML & CDD
P1.R1.C11.T1 P1.R1.C11 Account Maintenance, CAAML & CDD
P1.R1.C12.T1 P1.R1.C12 Account Maintenance, CAAML & CDD
P1.R1.C13.T1 P1.R1.C13 Account Maintenance, CAAML & CDD
P1.R1.C14.T1 P1.R1.C14 Account Maintenance, CAAML & CDD
P1.R1.C15.T1 P1.R1.C15 Account Maintenance, CAAML & CDD
P1.R1.C16.T1 P1.R1.C16 Account Maintenance, CAAML & CDD
P1.R1.C17.T1 P1.R1.C17 Account Maintenance, CAAML & CDD
P1.R1.C18.T1 P1.R1.C18 Account Maintenance, CAAML & CDD
P1.R1.C19.T1 P1.R1.C19 Account Maintenance, CAAML & CDD
P1.R1.C20.T1 P1.R1.C20 Account Maintenance, CAAML & CDD
P1.R1.C21.T1 P1.R1.C21 Account Maintenance, CAAML & CDD
P1.R1.C22.T1 P1.R1.C22 Account Maintenance, CAAML & CDD
P1.R1.C23.T1 P1.R1.C23 Account Maintenance, CAAML & CDD
P1.R1.C24.T1 P1.R1.C24 Account Maintenance, CAAML & CDD
P1.R1.C25.T1 P1.R1.C25 Account Maintenance, CAAML & CDD
P1.R1.C26.T1 P1.R1.C26 Account Maintenance, CAAML & CDD
P1.R1.C27.T1 P1.R1.C27 Account Maintenance, CAAML & CDD
P1.R1.C28.T1 P1.R1.C28 Account Maintenance, CAAML & CDD
P1.R1.C29.T1 P1.R1.C29 Account Maintenance, CAAML & CDD
P1.R1.C30.T1 P1.R1.C30 Account Maintenance, CAAML & CDD
P1.R1.C31.T1 P1.R1.C31 Account Maintenance, CAAML & CDD
P1.R1.C32.T1 P1.R1.C32 Account Maintenance, CAAML & CDD
P1.R1.C33.T1 P1.R1.C33 Account Maintenance, CAAML & CDD
P1.R1.C34.T1 P1.R1.C34 Account Maintenance, CAAML & CDD
P1.R1.C35.T1 P1.R1.C35 Account Maintenance, CAAML & CDD
P1.R1.C36.T1 P1.R1.C36 Account Maintenance, CAAML & CDD
P1.R1.C37.T1 P1.R1.C37 Account Maintenance, CAAML & CDD
P1.R1.C38.T1 P1.R1.C38 Account Maintenance, CAAML & CDD
P1.R1.C39.T1 P1.R1.C39 Account Maintenance, CAAML & CDD
P1.R1.C40.T1 P1.R1.C40 Account Maintenance, CAAML & CDD
P1.R1.C41.T1 P1.R1.C41 Account Maintenance, CAAML & CDD
P1.R1.C42.T1 P1.R1.C42 Account Maintenance, CAAML & CDD
P1.R1.C43.T1 P1.R1.C43 Account Maintenance, CAAML & CDD
P1.R1.C44.T1 P1.R1.C44 Account Maintenance, CAAML & CDD
P1.R1.C45.T1 P1.R1.C45 Account Maintenance, CAAML & CDD
P1.R1.C46.T1 P1.R1.C46 Account Maintenance, CAAML & CDD
P1.R1.C47.T1 P1.R1.C47 Account Maintenance, CAAML & CDD
P1.R2.C1.T1 P1.R2.C1 Account Maintenance, CAAML & CDD
P1.R2.C2.T1 P1.R2.C2 Account Maintenance, CAAML & CDD
P1.R2.C3.T1 P1.R2.C3 Account Maintenance, CAAML & CDD
P1.R2.C4.T1 P1.R2.C4 Account Maintenance, CAAML & CDD
P1.R2.C5.T1 P1.R2.C5 Account Maintenance, CAAML & CDD
P1.R2.C6.T1 P1.R2.C6 Account Maintenance, CAAML & CDD
P1.R2.C7.T1 P1.R2.C7 Account Maintenance, CAAML & CDD
P1.R2.C8.T1 P1.R2.C8 Account Maintenance, CAAML & CDD
P1.R2.C9.T1 P1.R2.C9 Account Maintenance, CAAML & CDD
P1.R2.C10.T1 P1.R2.C10 Account Maintenance, CAAML & CDD
P1.R2.C11.T1 P1.R2.C11 Account Maintenance, CAAML & CDD
P1.R2.C12.T1 P1.R2.C12 Account Maintenance, CAAML & CDD
P1.R2.C13.T1 P1.R2.C13 Account Maintenance, CAAML & CDD
P1.R2.C14.T1 P1.R2.C14 Account Maintenance, CAAML & CDD
P1.R2.C15.T1 P1.R2.C15 Account Maintenance, CAAML & CDD
P1.R2.C16.T1 P1.R2.C16 Account Maintenance, CAAML & CDD
P1.R2.C17.T1 P1.R2.C17 Account Maintenance, CAAML & CDD
P1.R2.C18.T1 P1.R2.C18 Account Maintenance, CAAML & CDD
P1.R2.C19.T1 P1.R2.C19 Account Maintenance, CAAML & CDD
P1.R2.C20.T1 P1.R2.C20 Account Maintenance, CAAML & CDD
P1.R2.C21.T1 P1.R2.C21 Account Maintenance, CAAML & CDD
P1.R2.C22.T1 P1.R2.C22 Account Maintenance, CAAML & CDD
P1.R2.C23.T1 P1.R2.C23 Account Maintenance, CAAML & CDD
P1.R2.C24.T1 P1.R2.C24 Account Maintenance, CAAML & CDD
P1.R2.C25.T1 P1.R2.C25 Account Maintenance, CAAML & CDD
P1.R2.C26.T1 P1.R2.C26 Account Maintenance, CAAML & CDD
P1.R2.C27.T1 P1.R2.C27 Account Maintenance, CAAML & CDD
P1.R2.C28.T1 P1.R2.C28 Account Maintenance, CAAML & CDD
P1.R2.C29.T1 P1.R2.C29 Account Maintenance, CAAML & CDD
P1.R2.C30.T1 P1.R2.C30 Account Maintenance, CAAML & CDD
P1.R2.C31.T1 P1.R2.C31 Account Maintenance, CAAML & CDD
P1.R2.C32.T1 P1.R2.C32 Account Maintenance, CAAML & CDD
P1.R2.C33.T1 P1.R2.C33 Account Maintenance, CAAML & CDD
P1.R2.C34.T1 P1.R2.C34 Account Maintenance, CAAML & CDD
P1.R2.C35.T1 P1.R2.C35 Account Maintenance, CAAML & CDD
P1.R2.C36.T1 P1.R2.C36 Account Maintenance, CAAML & CDD
P1.R2.C37.T1 P1.R2.C37 Account Maintenance, CAAML & CDD
P1.R2.C38.T1 P1.R2.C38 Account Maintenance, CAAML & CDD
P1.R2.C39.T1 P1.R2.C39 Account Maintenance, CAAML & CDD
P1.R2.C40.T1 P1.R2.C40 Account Maintenance, CAAML & CDD
P1.R2.C41.T1 P1.R2.C41 Account Maintenance, CAAML & CDD
P1.R2.C42.T1 P1.R2.C42 Account Maintenance, CAAML & CDD
P1.R2.C43.T1 P1.R2.C43 Account Maintenance, CAAML & CDD
P1.R2.C44.T1 P1.R2.C44 Account Maintenance, CAAML & CDD
P1.R2.C45.T1 P1.R2.C45 Account Maintenance, CAAML & CDD
P1.R2.C46.T1 P1.R2.C46 Account Maintenance, CAAML & CDD
P1.R2.C47.T1 P1.R2.C47 Account Maintenance, CAAML & CDD
P1.R2.C48.T1 P1.R2.C48 Account Maintenance, CAAML & CDD
P1.R2.C49.T1 P1.R2.C49 Account Maintenance, CAAML & CDD
P1.R2.C50.T1 P1.R2.C50 Account Maintenance, CAAML & CDD
P1.R2.C51.T1 P1.R2.C51 Account Maintenance, CAAML & CDD
P1.R2.C52.T1 P1.R2.C52 Account Maintenance, CAAML & CDD
P1.R2.C53.T1 P1.R2.C53 Account Maintenance, CAAML & CDD
P1.R2.C54.T1 P1.R2.C54 Account Maintenance, CAAML & CDD
P1.R2.C55.T1 P1.R2.C55 Account Maintenance, CAAML & CDD
P1.R2.C56.T1 P1.R2.C56 Account Maintenance, CAAML & CDD
P1.R2.C57.T1 P1.R2.C57 Account Maintenance, CAAML & CDD
P1.R2.C58.T1 P1.R2.C58 Account Maintenance, CAAML & CDD
P1.R2.C59.T1 P1.R2.C59 Account Maintenance, CAAML & CDD
P1.R2.C60.T1 P1.R2.C60 Account Maintenance, CAAML & CDD
P1.R2.C61.T1 P1.R2.C61 Account Maintenance, CAAML & CDD
P1.R2.C62.T1 P1.R2.C62 Account Maintenance, CAAML & CDD
P1.R2.C63.T1 P1.R2.C63 Account Maintenance, CAAML & CDD
P1.R2.C64.T1 P1.R2.C64 Account Maintenance, CAAML & CDD
P1.R2.C65.T1 P1.R2.C65 Account Maintenance, CAAML & CDD
P1.R2.C66.T1 P1.R2.C66 Account Maintenance, CAAML & CDD
P1.R2.C67.T1 P1.R2.C67 Account Maintenance, CAAML & CDD
P1.R2.C68.T1 P1.R2.C68 Account Maintenance, CAAML & CDD
P1.R2.C69.T1 P1.R2.C69 Account Maintenance, CAAML & CDD
P1.R2.C70.T1 P1.R2.C70 Account Maintenance, CAAML & CDD
P1.R2.C71.T1 P1.R2.C71 Account Maintenance, CAAML & CDD
P1.R2.C72.T1 P1.R2.C72 Account Maintenance, CAAML & CDD
P1.R2.C73.T1 P1.R2.C73 Account Maintenance, CAAML & CDD
P1.R2.C74.T1 P1.R2.C74 Account Maintenance, CAAML & CDD
P2.R1.C1.T1 P2.R1.C1 Cash Operations
P2.R1.C2.T1 P2.R1.C2 Cash Operations
P2.R1.C3.T1 P2.R1.C3 Cash Operations
P2.R1.C4.T1 P2.R1.C4 Cash Operations
P2.R1.C5.T1 P2.R1.C5 Cash Operations
P2.R1.C6.T1 P2.R1.C6 Cash Operations
P2.R1.C7.T1 P2.R1.C7 Cash Operations
P2.R1.C8.T1 P2.R1.C8 Cash Operations
P2.R1.C9.T1 P2.R1.C9 Cash Operations
P2.R1.C10.T1 P2.R1.C10 Cash Operations
P2.R1.C11.T1 P2.R1.C11 Cash Operations
P2.R1.C12.T1 P2.R1.C12 Cash Operations
P2.R1.C13.T1 P2.R1.C13 Cash Operations
P2.R1.C14.T1 P2.R1.C14 Cash Operations
P2.R1.C15.T1 P2.R1.C15 Cash Operations
P2.R1.C16.T1 P2.R1.C16 Cash Operations
P2.R1.C17.T1 P2.R1.C17 Cash Operations
P2.R1.C18.T1 P2.R1.C18 Cash Operations
P2.R1.C19.T1 P2.R1.C19 Cash Operations
P2.R1.C20.T1 P2.R1.C20 Cash Operations
P2.R1.C21.T1 P2.R1.C21 Cash Operations
P2.R1.C22.T1 P2.R1.C22 Cash Operations
P2.R1.C23.T1 P2.R1.C23 Cash Operations
P2.R1.C24.T1 P2.R1.C24 Cash Operations
P2.R1.C25.T1 P2.R1.C25 Cash Operations
P2.R1.C26.T1 P2.R1.C26 Cash Operations
P2.R1.C27.T1 P2.R1.C27 Cash Operations
P2.R1.C28.T1 P2.R1.C28 Cash Operations
P2.R1.C29.T1 P2.R1.C29 Cash Operations
P2.R1.C30.T1 P2.R1.C30 Cash Operations
P2.R1.C31.T1 P2.R1.C31 Cash Operations
P2.R1.C32.T1 P2.R1.C32 Cash Operations
P2.R1.C33.T1 P2.R1.C33 Cash Operations
P2.R1.C34.T1 P2.R1.C34 Cash Operations
P2.R1.C35.T1 P2.R1.C35 Cash Operations
P2.R1.C36.T1 P2.R1.C36 Cash Operations
P2.R1.C37.T1 P2.R1.C37 Cash Operations
P2.R1.C38.T1 P2.R1.C38 Cash Operations
P2.R1.C39.T1 P2.R1.C39 Cash Operations
P2.R1.C40.T1 P2.R1.C40 Cash Operations
P2.R1.C41.T1 P2.R1.C41 Cash Operations
P2.R1.C42.T1 P2.R1.C42 Cash Operations
P2.R1.C43.T1 P2.R1.C43 Cash Operations
P2.R1.C44.T1 P2.R1.C44 Cash Operations
P2.R1.C45.T1 P2.R1.C45 Cash Operations
P2.R1.C46.T1 P2.R1.C46 Cash Operations
P2.R2.C1.T1 P2.R2.C1 Cash Operations
P2.R2.C2.T1 P2.R2.C2 Cash Operations
P2.R2.C3.T1 P2.R2.C3 Cash Operations
P2.R2.C4.T1 P2.R2.C4 Cash Operations
P2.R2.C5.T1 P2.R2.C5 Cash Operations
P2.R2.C6.T1 P2.R2.C6 Cash Operations
P2.R2.C7.T1 P2.R2.C7 Cash Operations
P2.R2.C8.T1 P2.R2.C8 Cash Operations
P2.R2.C9.T1 P2.R2.C9 Cash Operations
P2.R2.C10.T1 P2.R2.C10 Cash Operations
P2.R2.C11.T1 P2.R2.C11 Cash Operations
P2.R2.C12.T1 P2.R2.C12 Cash Operations
P2.R2.C13.T1 P2.R2.C13 Cash Operations
P2.R2.C14.T1 P2.R2.C14 Cash Operations
P2.R2.C15.T1 P2.R2.C15 Cash Operations
P2.R2.C16.T1 P2.R2.C16 Cash Operations
P2.R2.C17.T1 P2.R2.C17 Cash Operations
P2.R2.C18.T1 P2.R2.C18 Cash Operations
P2.R2.C19.T1 P2.R2.C19 Cash Operations
P2.R2.C20.T1 P2.R2.C20 Cash Operations
P2.R2.C21.T1 P2.R2.C21 Cash Operations
P2.R2.C22.T1 P2.R2.C22 Cash Operations
P2.R2.C23.T1 P2.R2.C23 Cash Operations
P2.R2.C24.T1 P2.R2.C24 Cash Operations
P2.R2.C25.T1 P2.R2.C25 Cash Operations
P2.R2.C26.T1 P2.R2.C26 Cash Operations
P2.R2.C27.T1 P2.R2.C27 Cash Operations
P2.R2.C28.T1 P2.R2.C28 Cash Operations
P2.R2.C29.T1 P2.R2.C29 Cash Operations
P2.R2.C30.T1 P2.R2.C30 Cash Operations
P2.R2.C31.T1 P2.R2.C31 Cash Operations
P2.R2.C32.T1 P2.R2.C32 Cash Operations
P2.R2.C33.T1 P2.R2.C33 Cash Operations
P2.R2.C34.T1 P2.R2.C34 Cash Operations
P2.R2.C35.T1 P2.R2.C35 Cash Operations
P2.R2.C36.T1 P2.R2.C36 Cash Operations
P3.R1.C1.T1 P3.R1.C1 Cheque Handling & Clearing
P3.R1.C2.T1 P3.R1.C2 Cheque Handling & Clearing
P3.R1.C3.T1 P3.R1.C3 Cheque Handling & Clearing
P3.R1.C4.T1 P3.R1.C4 Cheque Handling & Clearing
P3.R1.C5.T1 P3.R1.C5 Cheque Handling & Clearing
P3.R1.C6.T1 P3.R1.C6 Cheque Handling & Clearing
P3.R1.C7.T1 P3.R1.C7 Cheque Handling & Clearing
P3.R1.C8.T1 P3.R1.C8 Cheque Handling & Clearing
P3.R1.C9.T1 P3.R1.C9 Cheque Handling & Clearing
P3.R1.C10.T1 P3.R1.C10 Cheque Handling & Clearing
P3.R1.C11.T1 P3.R1.C11 Cheque Handling & Clearing
P3.R1.C12.T1 P3.R1.C12 Cheque Handling & Clearing
P3.R1.C13.T1 P3.R1.C13 Cheque Handling & Clearing
P3.R1.C14.T1 P3.R1.C14 Cheque Handling & Clearing
P3.R1.C15.T1 P3.R1.C15 Cheque Handling & Clearing
P3.R1.C16.T1 P3.R1.C16 Cheque Handling & Clearing
P3.R1.C17.T1 P3.R1.C17 Cheque Handling & Clearing
P3.R1.C18.T1 P3.R1.C18 Cheque Handling & Clearing
P3.R1.C19.T1 P3.R1.C19 Cheque Handling & Clearing
P3.R1.C20.T1 P3.R1.C20 Cheque Handling & Clearing
P3.R1.C21.T1 P3.R1.C21 Cheque Handling & Clearing
P3.R1.C22.T1 P3.R1.C22 Cheque Handling & Clearing
P3.R1.C23.T1 P3.R1.C23 Cheque Handling & Clearing
P3.R1.C24.T1 P3.R1.C24 Cheque Handling & Clearing
P3.R1.C25.T1 P3.R1.C25 Cheque Handling & Clearing
P3.R1.C26.T1 P3.R1.C26 Cheque Handling & Clearing
P3.R1.C27.T1 P3.R1.C27 Cheque Handling & Clearing
P3.R1.C28.T1 P3.R1.C28 Cheque Handling & Clearing
P3.R1.C29.T1 P3.R1.C29 Cheque Handling & Clearing
P3.R1.C30.T1 P3.R1.C30 Cheque Handling & Clearing
P3.R1.C31.T1 P3.R1.C31 Cheque Handling & Clearing
P3.R1.C32.T1 P3.R1.C32 Cheque Handling & Clearing
P3.R1.C33.T1 P3.R1.C33 Cheque Handling & Clearing
P3.R1.C34.T1 P3.R1.C34 Cheque Handling & Clearing
P3.R1.C35.T1 P3.R1.C35 Cheque Handling & Clearing
P3.R1.C36.T1 P3.R1.C36 Cheque Handling & Clearing
P3.R1.C37.T1 P3.R1.C37 Cheque Handling & Clearing
P3.R1.C38.T1 P3.R1.C38 Cheque Handling & Clearing
P3.R1.C39.T1 P3.R1.C39 Cheque Handling & Clearing
P3.R1.C40.T1 P3.R1.C40 Cheque Handling & Clearing
P3.R1.C41.T1 P3.R1.C41 Cheque Handling & Clearing
P3.R1.C42.T1 P3.R1.C42 Cheque Handling & Clearing
P3.R1.C43.T1 P3.R1.C43 Cheque Handling & Clearing
P3.R1.C44.T1 P3.R1.C44 Cheque Handling & Clearing
P3.R1.C45.T1 P3.R1.C45 Cheque Handling & Clearing
P3.R1.C46.T1 P3.R1.C46 Cheque Handling & Clearing
P3.R1.C47.T1 P3.R1.C47 Cheque Handling & Clearing
P3.R1.C48.T1 P3.R1.C48 Cheque Handling & Clearing
P3.R1.C49.T1 P3.R1.C49 Cheque Handling & Clearing
P3.R2.C1.T1 P3.R2.C1 Cheque Handling & Clearing
P3.R2.C2.T1 P3.R2.C2 Cheque Handling & Clearing
P3.R2.C3.T1 P3.R2.C3 Cheque Handling & Clearing
P3.R2.C4.T1 P3.R2.C4 Cheque Handling & Clearing
P3.R2.C5.T1 P3.R2.C5 Cheque Handling & Clearing
P3.R2.C6.T1 P3.R2.C6 Cheque Handling & Clearing
P3.R2.C7.T1 P3.R2.C7 Cheque Handling & Clearing
P3.R2.C8.T1 P3.R2.C8 Cheque Handling & Clearing
P3.R2.C9.T1 P3.R2.C9 Cheque Handling & Clearing
P3.R2.C10.T1 P3.R2.C10 Cheque Handling & Clearing
P3.R2.C11.T1 P3.R2.C11 Cheque Handling & Clearing
P3.R2.C12.T1 P3.R2.C12 Cheque Handling & Clearing
P3.R2.C13.T1 P3.R2.C13 Cheque Handling & Clearing
P3.R2.C14.T1 P3.R2.C14 Cheque Handling & Clearing
P3.R2.C15.T1 P3.R2.C15 Cheque Handling & Clearing
P3.R2.C16.T1 P3.R2.C16 Cheque Handling & Clearing
P3.R2.C17.T1 P3.R2.C17 Cheque Handling & Clearing
P3.R2.C18.T1 P3.R2.C18 Cheque Handling & Clearing
P3.R2.C19.T1 P3.R2.C19 Cheque Handling & Clearing
P3.R2.C20.T1 P3.R2.C20 Cheque Handling & Clearing
P3.R2.C21.T1 P3.R2.C21 Cheque Handling & Clearing
P3.R2.C22.T1 P3.R2.C22 Cheque Handling & Clearing
P3.R2.C23.T1 P3.R2.C23 Cheque Handling & Clearing
P3.R2.C24.T1 P3.R2.C24 Cheque Handling & Clearing
P3.R2.C25.T1 P3.R2.C25 Cheque Handling & Clearing
P3.R2.C26.T1 P3.R2.C26 Cheque Handling & Clearing
P3.R2.C27.T1 P3.R2.C27 Cheque Handling & Clearing
P3.R2.C28.T1 P3.R2.C28 Cheque Handling & Clearing
P3.R2.C29.T1 P3.R2.C29 Cheque Handling & Clearing
P3.R2.C30.T1 P3.R2.C30 Cheque Handling & Clearing
P3.R2.C31.T1 P3.R2.C31 Cheque Handling & Clearing
P3.R2.C32.T1 P3.R2.C32 Cheque Handling & Clearing
P3.R2.C33.T1 P3.R2.C33 Cheque Handling & Clearing
P3.R2.C34.T1 P3.R2.C34 Cheque Handling & Clearing
P3.R2.C35.T1 P3.R2.C35 Cheque Handling & Clearing
P3.R3.C1.T1 P3.R3.C1 Cheque Handling & Clearing
P3.R3.C2.T1 P3.R3.C2 Cheque Handling & Clearing
P3.R3.C3.T1 P3.R3.C3 Cheque Handling & Clearing
P3.R3.C4.T1 P3.R3.C4 Cheque Handling & Clearing
P3.R3.C5.T1 P3.R3.C5 Cheque Handling & Clearing
P3.R3.C6.T1 P3.R3.C6 Cheque Handling & Clearing
P3.R3.C7.T1 P3.R3.C7 Cheque Handling & Clearing
P3.R3.C8.T1 P3.R3.C8 Cheque Handling & Clearing
P3.R3.C9.T1 P3.R3.C9 Cheque Handling & Clearing
P3.R3.C10.T1 P3.R3.C10 Cheque Handling & Clearing
P3.R3.C11.T1 P3.R3.C11 Cheque Handling & Clearing
P4.R1.C1.T1 P4.R1.C1 Remittances
P4.R1.C2.T1 P4.R1.C2 Remittances
P4.R1.C3.T1 P4.R1.C3 Remittances
P4.R1.C4.T1 P4.R1.C4 Remittances
P4.R1.C5.T1 P4.R1.C5 Remittances
P4.R1.C6.T1 P4.R1.C6 Remittances
P4.R1.C7.T1 P4.R1.C7 Remittances
P4.R1.C8.T1 P4.R1.C8 Remittances
P4.R1.C9.T1 P4.R1.C9 Remittances
P4.R1.C10.T1 P4.R1.C10 Remittances
P4.R1.C11.T1 P4.R1.C11 Remittances
P4.R1.C12.T1 P4.R1.C12 Remittances
P4.R1.C13.T1 P4.R1.C13 Remittances
P4.R1.C14.T1 P4.R1.C14 Remittances
P4.R1.C15.T1 P4.R1.C15 Remittances
P4.R1.C16.T1 P4.R1.C16 Remittances
P4.R1.C17.T1 P4.R1.C17 Remittances
P4.R1.C18.T1 P4.R1.C18 Remittances
P4.R1.C19.T1 P4.R1.C19 Remittances
P4.R1.C20.T1 P4.R1.C20 Remittances
P4.R1.C21.T1 P4.R1.C21 Remittances
P4.R1.C22.T1 P4.R1.C22 Remittances
P4.R1.C23.T1 P4.R1.C23 Remittances
P4.R2.C1.T1 P4.R2.C1 Remittances
P4.R2.C2.T1 P4.R2.C2 Remittances
P4.R2.C3.T1 P4.R2.C3 Remittances
P4.R2.C4.T1 P4.R2.C4 Remittances
P4.R2.C5.T1 P4.R2.C5 Remittances
P4.R2.C6.T1 P4.R2.C6 Remittances
P4.R2.C7.T1 P4.R2.C7 Remittances
P4.R2.C8.T1 P4.R2.C8 Remittances
P4.R2.C9.T1 P4.R2.C9 Remittances
P4.R2.C10.T1 P4.R2.C10 Remittances
P4.R2.C11.T1 P4.R2.C11 Remittances
P4.R2.C12.T1 P4.R2.C12 Remittances
P4.R2.C13.T1 P4.R2.C13 Remittances
P4.R2.C14.T1 P4.R2.C14 Remittances
P4.R2.C15.T1 P4.R2.C15 Remittances
P4.R2.C16.T1 P4.R2.C16 Remittances
P4.R2.C17.T1 P4.R2.C17 Remittances
P4.R2.C18.T1 P4.R2.C18 Remittances
P4.R2.C19.T1 P4.R2.C19 Remittances
P4.R2.C20.T1 P4.R2.C20 Remittances
P4.R2.C21.T1 P4.R2.C21 Remittances
P4.R2.C22.T1 P4.R2.C22 Remittances
P4.R2.C23.T1 P4.R2.C23 Remittances
P4.R3.C1.T1 P4.R3.C1 Remittances
P4.R3.C2.T1 P4.R3.C2 Remittances
P4.R3.C3.T1 P4.R3.C3 Remittances
P5.R1.C1.T1 P5.R1.C1 Safe Deposit Box
P5.R1.C2.T1 P5.R1.C2 Safe Deposit Box
P5.R1.C3.T1 P5.R1.C3 Safe Deposit Box
P5.R1.C4.T1 P5.R1.C4 Safe Deposit Box
P5.R1.C5.T1 P5.R1.C5 Safe Deposit Box
P5.R1.C6.T1 P5.R1.C6 Safe Deposit Box
P5.R1.C7.T1 P5.R1.C7 Safe Deposit Box
P5.R1.C8.T1 P5.R1.C8 Safe Deposit Box
P5.R1.C9.T1 P5.R1.C9 Safe Deposit Box
P5.R1.C10.T1 P5.R1.C10 Safe Deposit Box
P5.R1.C11.T1 P5.R1.C11 Safe Deposit Box
P5.R1.C12.T1 P5.R1.C12 Safe Deposit Box
P5.R1.C13.T1 P5.R1.C13 Safe Deposit Box
P5.R1.C14.T1 P5.R1.C14 Safe Deposit Box
P5.R1.C15.T1 P5.R1.C15 Safe Deposit Box
P5.R1.C16.T1 P5.R1.C16 Safe Deposit Box
P5.R1.C17.T1 P5.R1.C17 Safe Deposit Box
P5.R1.C18.T1 P5.R1.C18 Safe Deposit Box
P5.R1.C19.T1 P5.R1.C19 Safe Deposit Box
P5.R1.C20.T1 P5.R1.C20 Safe Deposit Box
P5.R1.C21.T1 P5.R1.C21 Safe Deposit Box
P5.R1.C22.T1 P5.R1.C22 Safe Deposit Box
P5.R1.C23.T1 P5.R1.C23 Safe Deposit Box
P5.R1.C24.T1 P5.R1.C24 Safe Deposit Box
P5.R1.C25.T1 P5.R1.C25 Safe Deposit Box
P5.R1.C26.T1 P5.R1.C26 Safe Deposit Box
P5.R1.C27.T1 P5.R1.C27 Safe Deposit Box
P5.R1.C28.T1 P5.R1.C28 Safe Deposit Box
P5.R1.C29.T1 P5.R1.C29 Safe Deposit Box
P5.R1.C30.T1 P5.R1.C30 Safe Deposit Box
P5.R1.C31.T1 P5.R1.C31 Safe Deposit Box
P5.R1.C32.T1 P5.R1.C32 Safe Deposit Box
P5.R1.C33.T1 P5.R1.C33 Safe Deposit Box
P5.R1.C34.T1 P5.R1.C34 Safe Deposit Box
P5.R1.C35.T1 P5.R1.C35 Safe Deposit Box
P5.R1.C36.T1 P5.R1.C36 Safe Deposit Box
P5.R1.C37.T1 P5.R1.C37 Safe Deposit Box
P5.R1.C38.T1 P5.R1.C38 Safe Deposit Box
P5.R1.C39.T1 P5.R1.C39 Safe Deposit Box
P5.R1.C40.T1 P5.R1.C40 Safe Deposit Box
P5.R1.C41.T1 P5.R1.C41 Safe Deposit Box
P5.R1.C42.T1 P5.R1.C42 Safe Deposit Box
P5.R1.C43.T1 P5.R1.C43 Safe Deposit Box
P5.R1.C44.T1 P5.R1.C44 Safe Deposit Box
P5.R1.C45.T1 P5.R1.C45 Safe Deposit Box
P5.R1.C46.T1 P5.R1.C46 Safe Deposit Box
P5.R1.C47.T1 P5.R1.C47 Safe Deposit Box
P5.R1.C48.T1 P5.R1.C48 Safe Deposit Box
P5.R1.C49.T1 P5.R1.C49 Safe Deposit Box
P5.R1.C50.T1 P5.R1.C50 Safe Deposit Box
P5.R1.C51.T1 P5.R1.C51 Safe Deposit Box
P5.R1.C52.T1 P5.R1.C52 Safe Deposit Box
P5.R1.C53.T1 P5.R1.C53 Safe Deposit Box
P5.R1.C54.T1 P5.R1.C54 Safe Deposit Box
P5.R1.C55.T1 P5.R1.C55 Safe Deposit Box
P5.R1.C56.T1 P5.R1.C56 Safe Deposit Box
P5.R1.C57.T1 P5.R1.C57 Safe Deposit Box
P5.R1.C58.T1 P5.R1.C58 Safe Deposit Box
P5.R1.C59.T1 P5.R1.C59 Safe Deposit Box
P5.R1.C60.T1 P5.R1.C60 Safe Deposit Box
P5.R1.C61.T1 P5.R1.C61 Safe Deposit Box
P5.R1.C62.T1 P5.R1.C62 Safe Deposit Box
P5.R1.C63.T1 P5.R1.C63 Safe Deposit Box
P5.R1.C64.T1 P5.R1.C64 Safe Deposit Box
P5.R1.C65.T1 P5.R1.C65 Safe Deposit Box
P5.R1.C66.T1 P5.R1.C66 Safe Deposit Box
P5.R1.C67.T1 P5.R1.C67 Safe Deposit Box
P5.R1.C68.T1 P5.R1.C68 Safe Deposit Box
P5.R1.C69.T1 P5.R1.C69 Safe Deposit Box
P5.R1.C70.T1 P5.R1.C70 Safe Deposit Box
P5.R1.C71.T1 P5.R1.C71 Safe Deposit Box
P6.R1.C1.T1 P6.R1.C1 Automated Teller Machine
P6.R1.C2.T1 P6.R1.C2 Automated Teller Machine
P6.R1.C3.T1 P6.R1.C3 Automated Teller Machine
P6.R1.C4.T1 P6.R1.C4 Automated Teller Machine
P6.R1.C5.T1 P6.R1.C5 Automated Teller Machine
P6.R1.C6.T1 P6.R1.C6 Automated Teller Machine
P6.R1.C7.T1 P6.R1.C7 Automated Teller Machine
P6.R1.C8.T1 P6.R1.C8 Automated Teller Machine
P6.R1.C9.T1 P6.R1.C9 Automated Teller Machine
P6.R1.C10.T1 P6.R1.C10 Automated Teller Machine
P6.R1.C11.T1 P6.R1.C11 Automated Teller Machine
P6.R1.C12.T1 P6.R1.C12 Automated Teller Machine
P6.R1.C13.T1 P6.R1.C13 Automated Teller Machine
P6.R1.C14.T1 P6.R1.C14 Automated Teller Machine
P6.R1.C15.T1 P6.R1.C15 Automated Teller Machine
P6.R1.C16.T1 P6.R1.C16 Automated Teller Machine
P6.R1.C17.T1 P6.R1.C17 Automated Teller Machine
P6.R1.C18.T1 P6.R1.C18 Automated Teller Machine
P6.R1.C19.T1 P6.R1.C19 Automated Teller Machine
P6.R1.C20.T1 P6.R1.C20 Automated Teller Machine
P6.R2.C1.T1 P6.R2.C1 Automated Teller Machine
P6.R2.C2.T1 P6.R2.C2 Automated Teller Machine
P6.R2.C3.T1 P6.R2.C3 Automated Teller Machine
P6.R2.C4.T1 P6.R2.C4 Automated Teller Machine
P6.R2.C5.T1 P6.R2.C5 Automated Teller Machine
P6.R2.C6.T1 P6.R2.C6 Automated Teller Machine
P6.R2.C7.T1 P6.R2.C7 Automated Teller Machine
P6.R2.C8.T1 P6.R2.C8 Automated Teller Machine
P6.R2.C9.T1 P6.R2.C9 Automated Teller Machine
P6.R2.C10.T1 P6.R2.C10 Automated Teller Machine
P6.R2.C11.T1 P6.R2.C11 Automated Teller Machine
P6.R2.C12.T1 P6.R2.C12 Automated Teller Machine
P6.R2.C13.T1 P6.R2.C13 Automated Teller Machine
P6.R2.C14.T1 P6.R2.C14 Automated Teller Machine
P6.R2.C15.T1 P6.R2.C15 Automated Teller Machine
P6.R2.C16.T1 P6.R2.C16 Automated Teller Machine
P6.R3.C1.T1 P6.R3.C1 Automated Teller Machine
P6.R3.C2.T1 P6.R3.C2 Automated Teller Machine
P6.R3.C3.T1 P6.R3.C3 Automated Teller Machine
P6.R3.C4.T1 P6.R3.C4 Automated Teller Machine
P6.R3.C5.T1 P6.R3.C5 Automated Teller Machine
P6.R3.C6.T1 P6.R3.C6 Automated Teller Machine
P6.R3.C7.T1 P6.R3.C7 Automated Teller Machine
P6.R3.C8.T1 P6.R3.C8 Automated Teller Machine
P6.R3.C9.T1 P6.R3.C9 Automated Teller Machine
P6.R3.C10.T1 P6.R3.C10 Automated Teller Machine
P6.R3.C11.T1 P6.R3.C11 Automated Teller Machine
P6.R3.C12.T1 P6.R3.C12 Automated Teller Machine
P6.R3.C13.T1 P6.R3.C13 Automated Teller Machine
P6.R3.C14.T1 P6.R3.C14 Automated Teller Machine
P6.R3.C15.T1 P6.R3.C15 Automated Teller Machine
P6.R3.C16.T1 P6.R3.C16 Automated Teller Machine
P6.R3.C17.T1 P6.R3.C17 Automated Teller Machine
P6.R3.C18.T1 P6.R3.C18 Automated Teller Machine
P7.R1.C1.T1 P7.R1.C1 Handling of Customer Instructions
P7.R1.C2.T1 P7.R1.C2 Handling of Customer Instructions
P7.R1.C3.T1 P7.R1.C3 Handling of Customer Instructions
P7.R1.C4.T1 P7.R1.C4 Handling of Customer Instructions
P7.R1.C5.T1 P7.R1.C5 Handling of Customer Instructions
P7.R1.C6.T1 P7.R1.C6 Handling of Customer Instructions
P7.R1.C7.T1 P7.R1.C7 Handling of Customer Instructions
P7.R1.C8.T1 P7.R1.C8 Handling of Customer Instructions
P7.R1.C9.T1 P7.R1.C9 Handling of Customer Instructions
P7.R1.C10.T1 P7.R1.C10 Handling of Customer Instructions
P7.R1.C11.T1 P7.R1.C11 Handling of Customer Instructions
P7.R1.C12.T1 P7.R1.C12 Handling of Customer Instructions
P7.R1.C13.T1 P7.R1.C13 Handling of Customer Instructions
P7.R1.C14.T1 P7.R1.C14 Handling of Customer Instructions
P7.R1.C15.T1 P7.R1.C15 Handling of Customer Instructions
P7.R1.C16.T1 P7.R1.C16 Handling of Customer Instructions
P7.R1.C17.T1 P7.R1.C17 Handling of Customer Instructions
P7.R1.C18.T1 P7.R1.C18 Handling of Customer Instructions
P7.R1.C19.T1 P7.R1.C19 Handling of Customer Instructions
P7.R1.C20.T1 P7.R1.C20 Handling of Customer Instructions
P7.R1.C21.T1 P7.R1.C21 Handling of Customer Instructions
P7.R1.C22.T1 P7.R1.C22 Handling of Customer Instructions
P7.R1.C23.T1 P7.R1.C23 Handling of Customer Instructions
P7.R1.C24.T1 P7.R1.C24 Handling of Customer Instructions
P7.R1.C25.T1 P7.R1.C25 Handling of Customer Instructions
P7.R1.C26.T1 P7.R1.C26 Handling of Customer Instructions
P7.R1.C27.T1 P7.R1.C27 Handling of Customer Instructions
P7.R1.C28.T1 P7.R1.C28 Handling of Customer Instructions
P7.R1.C29.T1 P7.R1.C29 Handling of Customer Instructions
P7.R1.C30.T1 P7.R1.C30 Handling of Customer Instructions
P7.R1.C31.T1 P7.R1.C31 Handling of Customer Instructions
P7.R1.C32.T1 P7.R1.C32 Handling of Customer Instructions
P7.R1.C33.T1 P7.R1.C33 Handling of Customer Instructions
P7.R1.C34.T1 P7.R1.C34 Handling of Customer Instructions
P7.R1.C35.T1 P7.R1.C35 Handling of Customer Instructions
P7.R1.C36.T1 P7.R1.C36 Handling of Customer Instructions
P7.R1.C37.T1 P7.R1.C37 Handling of Customer Instructions
P7.R1.C38.T1 P7.R1.C38 Handling of Customer Instructions
P7.R1.C39.T1 P7.R1.C39 Handling of Customer Instructions
P7.R1.C40.T1 P7.R1.C40 Handling of Customer Instructions
P7.R1.C41.T1 P7.R1.C41 Handling of Customer Instructions
P7.R1.C42.T1 P7.R1.C42 Handling of Customer Instructions
P7.R1.C43.T1 P7.R1.C43 Handling of Customer Instructions
P7.R1.C44.T1 P7.R1.C44 Handling of Customer Instructions
P7.R1.C45.T1 P7.R1.C45 Handling of Customer Instructions
P7.R1.C46.T1 P7.R1.C46 Handling of Customer Instructions
P7.R1.C47.T1 P7.R1.C47 Handling of Customer Instructions
P7.R1.C48.T1 P7.R1.C48 Handling of Customer Instructions
P7.R1.C49.T1 P7.R1.C49 Handling of Customer Instructions
P7.R1.C50.T1 P7.R1.C50 Handling of Customer Instructions
P7.R1.C51.T1 P7.R1.C51 Handling of Customer Instructions
P7.R1.C52.T1 P7.R1.C52 Handling of Customer Instructions
P7.R1.C53.T1 P7.R1.C53 Handling of Customer Instructions
P7.R1.C54.T1 P7.R1.C54 Handling of Customer Instructions
P7.R1.C55.T1 P7.R1.C55 Handling of Customer Instructions
P7.R1.C56.T1 P7.R1.C56 Handling of Customer Instructions
P7.R1.C57.T1 P7.R1.C57 Handling of Customer Instructions
P7.R1.C58.T1 P7.R1.C58 Handling of Customer Instructions
P7.R1.C59.T1 P7.R1.C59 Handling of Customer Instructions
P7.R1.C60.T1 P7.R1.C60 Handling of Customer Instructions
P7.R1.C61.T1 P7.R1.C61 Handling of Customer Instructions
P7.R1.C62.T1 P7.R1.C62 Handling of Customer Instructions
P7.R1.C63.T1 P7.R1.C63 Handling of Customer Instructions
P7.R1.C64.T1 P7.R1.C64 Handling of Customer Instructions
P7.R1.C65.T1 P7.R1.C65 Handling of Customer Instructions
P7.R1.C66.T1 P7.R1.C66 Handling of Customer Instructions
P7.R1.C67.T1 P7.R1.C67 Handling of Customer Instructions
P7.R1.C68.T1 P7.R1.C68 Handling of Customer Instructions
P7.R1.C69.T1 P7.R1.C69 Handling of Customer Instructions
P7.R1.C70.T1 P7.R1.C70 Handling of Customer Instructions
P7.R1.C71.T1 P7.R1.C71 Handling of Customer Instructions
P7.R1.C72.T1 P7.R1.C72 Handling of Customer Instructions
P7.R1.C73.T1 P7.R1.C73 Handling of Customer Instructions
P7.R1.C74.T1 P7.R1.C74 Handling of Customer Instructions
P7.R1.C75.T1 P7.R1.C75 Handling of Customer Instructions
P7.R1.C76.T1 P7.R1.C76 Handling of Customer Instructions
P7.R1.C77.T1 P7.R1.C77 Handling of Customer Instructions
P7.R1.C78.T1 P7.R1.C78 Handling of Customer Instructions
P7.R1.C79.T1 P7.R1.C79 Handling of Customer Instructions
P7.R1.C80.T1 P7.R1.C80 Handling of Customer Instructions
P7.R1.C81.T1 P7.R1.C81 Handling of Customer Instructions
P7.R1.C82.T1 P7.R1.C82 Handling of Customer Instructions
P7.R1.C83.T1 P7.R1.C83 Handling of Customer Instructions
P7.R1.C84.T1 P7.R1.C84 Handling of Customer Instructions
P7.R1.C85.T1 P7.R1.C85 Handling of Customer Instructions
P7.R1.C86.T1 P7.R1.C86 Handling of Customer Instructions
P7.R1.C87.T1 P7.R1.C87 Handling of Customer Instructions
P7.R1.C88.T1 P7.R1.C88 Handling of Customer Instructions
P7.R1.C89.T1 P7.R1.C89 Handling of Customer Instructions
P7.R1.C90.T1 P7.R1.C90 Handling of Customer Instructions
P7.R1.C91.T1 P7.R1.C91 Handling of Customer Instructions
P7.R1.C92.T1 P7.R1.C92 Handling of Customer Instructions
P7.R1.C93.T1 P7.R1.C93 Handling of Customer Instructions
P7.R2.C1.T1 P7.R2.C1 Handling of Customer Instructions
P7.R2.C2.T1 P7.R2.C2 Handling of Customer Instructions
P7.R2.C3.T1 P7.R2.C3 Handling of Customer Instructions
P7.R2.C4.T1 P7.R2.C4 Handling of Customer Instructions
P7.R2.C5.T1 P7.R2.C5 Handling of Customer Instructions
P7.R2.C6.T1 P7.R2.C6 Handling of Customer Instructions
P7.R2.C7.T1 P7.R2.C7 Handling of Customer Instructions
P7.R2.C8.T1 P7.R2.C8 Handling of Customer Instructions
P7.R2.C9.T1 P7.R2.C9 Handling of Customer Instructions
P7.R2.C10.T1 P7.R2.C10 Handling of Customer Instructions
P8.R1.C1.T1 P8.R1.C1 Suspense Account
P8.R1.C2.T1 P8.R1.C2 Suspense Account
P8.R1.C3.T1 P8.R1.C3 Suspense Account
P8.R1.C4.T1 P8.R1.C4 Suspense Account
P8.R1.C5.T1 P8.R1.C5 Suspense Account
P8.R1.C6.T1 P8.R1.C6 Suspense Account
P8.R1.C7.T1 P8.R1.C7 Suspense Account
P8.R1.C8.T1 P8.R1.C8 Suspense Account
P8.R2.C1.T1 P8.R2.C1 Suspense Account
P8.R2.C2.T1 P8.R2.C2 Suspense Account
P8.R2.C3.T1 P8.R2.C3 Suspense Account
P8.R2.C4.T1 P8.R2.C4 Suspense Account
P8.R2.C5.T1 P8.R2.C5 Suspense Account
P8.R2.C6.T1 P8.R2.C6 Suspense Account
P9.R1.C1.T1 P9.R1.C1 Physical Access Control
P9.R1.C2.T1 P9.R1.C2 Physical Access Control
P9.R1.C3.T1 P9.R1.C3 Physical Access Control
P9.R1.C4.T1 P9.R1.C4 Physical Access Control
P9.R1.C5.T1 P9.R1.C5 Physical Access Control
P9.R1.C6.T1 P9.R1.C6 Physical Access Control
P9.R1.C7.T1 P9.R1.C7 Physical Access Control
P9.R1.C8.T1 P9.R1.C8 Physical Access Control
P9.R1.C9.T1 P9.R1.C9 Physical Access Control
P9.R1.C10.T1 P9.R1.C10 Physical Access Control
P9.R1.C11.T1 P9.R1.C11 Physical Access Control
P9.R1.C12.T1 P9.R1.C12 Physical Access Control
P9.R1.C13.T1 P9.R1.C13 Physical Access Control
P9.R1.C14.T1 P9.R1.C14 Physical Access Control
P9.R1.C15.T1 P9.R1.C15 Physical Access Control
P9.R1.C16.T1 P9.R1.C16 Physical Access Control
P9.R1.C17.T1 P9.R1.C17 Physical Access Control
P9.R1.C18.T1 P9.R1.C18 Physical Access Control
P9.R1.C19.T1 P9.R1.C19 Physical Access Control
P9.R1.C20.T1 P9.R1.C20 Physical Access Control
P9.R1.C21.T1 P9.R1.C21 Physical Access Control
P9.R1.C22.T1 P9.R1.C22 Physical Access Control
P9.R1.C23.T1 P9.R1.C23 Physical Access Control
P9.R1.C24.T1 P9.R1.C24 Physical Access Control
P9.R1.C25.T1 P9.R1.C25 Physical Access Control
P9.R1.C26.T1 P9.R1.C26 Physical Access Control
P9.R1.C27.T1 P9.R1.C27 Physical Access Control
P9.R1.C28.T1 P9.R1.C28 Physical Access Control
P9.R1.C29.T1 P9.R1.C29 Physical Access Control
P9.R1.C30.T1 P9.R1.C30 Physical Access Control
P9.R1.C31.T1 P9.R1.C31 Physical Access Control
P9.R1.C32.T1 P9.R1.C32 Physical Access Control
P9.R1.C33.T1 P9.R1.C33 Physical Access Control
P9.R1.C34.T1 P9.R1.C34 Physical Access Control
P9.R1.C35.T1 P9.R1.C35 Physical Access Control
P9.R1.C36.T1 P9.R1.C36 Physical Access Control
P9.R1.C37.T1 P9.R1.C37 Physical Access Control
P9.R1.C38.T1 P9.R1.C38 Physical Access Control
P9.R1.C39.T1 P9.R1.C39 Physical Access Control
P9.R1.C40.T1 P9.R1.C40 Physical Access Control
P9.R1.C41.T1 P9.R1.C41 Physical Access Control
P9.R1.C42.T1 P9.R1.C42 Physical Access Control
P9.R1.C43.T1 P9.R1.C43 Physical Access Control
P9.R1.C44.T1 P9.R1.C44 Physical Access Control
P9.R1.C45.T1 P9.R1.C45 Physical Access Control
P9.R1.C46.T1 P9.R1.C46 Physical Access Control
P9.R1.C47.T1 P9.R1.C47 Physical Access Control
P9.R1.C48.T1 P9.R1.C48 Physical Access Control
P10.R1.C1.T1 P10.R1.C1 System Access Rights
P10.R1.C2.T1 P10.R1.C2 System Access Rights
P10.R1.C3.T1 P10.R1.C3 System Access Rights
P10.R1.C4.T1 P10.R1.C4 System Access Rights
P10.R1.C5.T1 P10.R1.C5 System Access Rights
P10.R1.C6.T1 P10.R1.C6 System Access Rights
P10.R1.C7.T1 P10.R1.C7 System Access Rights
P10.R1.C8.T1 P10.R1.C8 System Access Rights
P10.R1.C9.T1 P10.R1.C9 System Access Rights
P10.R1.C10.T1 P10.R1.C10 System Access Rights
P10.R1.C11.T1 P10.R1.C11 System Access Rights
P10.R1.C12.T1 P10.R1.C12 System Access Rights
P10.R1.C13.T1 P10.R1.C13 System Access Rights
P10.R1.C14.T1 P10.R1.C14 System Access Rights
P10.R1.C15.T1 P10.R1.C15 System Access Rights
P10.R1.C16.T1 P10.R1.C16 System Access Rights
P10.R1.C17.T1 P10.R1.C17 System Access Rights
P10.R1.C18.T1 P10.R1.C18 System Access Rights
P10.R1.C19.T1 P10.R1.C19 System Access Rights
P10.R1.C20.T1 P10.R1.C20 System Access Rights
P10.R1.C21.T1 P10.R1.C21 System Access Rights
P11.R1.C1.T1 P11.R1.C1 Organizational Structure, Procedures & Job
P11.R1.C2.T1 P11.R1.C2 Organizational Structure, Procedures & Job
P11.R1.C3.T1 P11.R1.C3 Organizational Structure, Procedures & Job
P11.R1.C4.T1 P11.R1.C4 Organizational Structure, Procedures & Job
P11.R1.C5.T1 P11.R1.C5 Organizational Structure, Procedures & Job
P11.R1.C6.T1 P11.R1.C6 Organizational Structure, Procedures & Job
P11.R1.C7.T1 P11.R1.C7 Organizational Structure, Procedures & Job
P11.R1.C8.T1 P11.R1.C8 Organizational Structure, Procedures & Job
P11.R1.C9.T1 P11.R1.C9 Organizational Structure, Procedures & Job
P11.R1.C10.T1 P11.R1.C10 Organizational Structure, Procedures & Job
P11.R1.C11.T1 P11.R1.C11 Organizational Structure, Procedures & Job
P11.R1.C12.T1 P11.R1.C12 Organizational Structure, Procedures & Job
P11.R1.C13.T1 P11.R1.C13 Organizational Structure, Procedures & Job
P11.R1.C14.T1 P11.R1.C14 Organizational Structure, Procedures & Job
P11.R1.C15.T1 P11.R1.C15 Organizational Structure, Procedures & Job
P11.R1.C16.T1 P11.R1.C16 Organizational Structure, Procedures & Job
P11.R1.C17.T1 P11.R1.C17 Organizational Structure, Procedures & Job
P11.R1.C18.T1 P11.R1.C18 Organizational Structure, Procedures & Job
P11.R1.C19.T1 P11.R1.C19 Organizational Structure, Procedures & Job
P11.R1.C20.T1 P11.R1.C20 Organizational Structure, Procedures & Job
P11.R1.C21.T1 P11.R1.C21 Organizational Structure, Procedures & Job
P11.R1.C22.T1 P11.R1.C22 Organizational Structure, Procedures & Job
P11.R1.C23.T1 P11.R1.C23 Organizational Structure, Procedures & Job
P11.R1.C24.T1 P11.R1.C24 Organizational Structure, Procedures & Job
P11.R1.C25.T1 P11.R1.C25 Organizational Structure, Procedures & Job
P11.R1.C26.T1 P11.R1.C26 Organizational Structure, Procedures & Job
P11.R1.C27.T1 P11.R1.C27 Organizational Structure, Procedures & Job
P11.R1.C28.T1 P11.R1.C28 Organizational Structure, Procedures & Job
P12.R1.C1.T1 P12.R1.C1 Regulatory Requirement
P12.R1.C2.T1 P12.R1.C2 Regulatory Requirement
P12.R1.C3.T1 P12.R1.C3 Regulatory Requirement
P12.R1.C4.T1 P12.R1.C4 Regulatory Requirement
P12.R1.C5.T1 P12.R1.C5 Regulatory Requirement
P12.R1.C6.T1 P12.R1.C6 Regulatory Requirement
P12.R1.C7.T1 P12.R1.C7 Regulatory Requirement
P12.R1.C8.T1 P12.R1.C8 Regulatory Requirement
P12.R1.C9.T1 P12.R1.C9 Regulatory Requirement
P12.R1.C10.T1 P12.R1.C10 Regulatory Requirement
P12.R1.C11.T1 P12.R1.C11 Regulatory Requirement
P12.R1.C12.T1 P12.R1.C12 Regulatory Requirement
P12.R1.C13.T1 P12.R1.C13 Regulatory Requirement
P12.R1.C14.T1 P12.R1.C14 Regulatory Requirement
P12.R1.C15.T1 P12.R1.C15 Regulatory Requirement
P12.R1.C16.T1 P12.R1.C16 Regulatory Requirement
P12.R1.C17.T1 P12.R1.C17 Regulatory Requirement
P12.R1.C18.T1 P12.R1.C18 Regulatory Requirement
P12.R1.C19.T1 P12.R1.C19 Regulatory Requirement
P12.R1.C20.T1 P12.R1.C20 Regulatory Requirement
P12.R1.C21.T1 P12.R1.C21 Regulatory Requirement
P12.R1.C22.T1 P12.R1.C22 Regulatory Requirement
P12.R1.C23.T1 P12.R1.C23 Regulatory Requirement
P12.R1.C24.T1 P12.R1.C24 Regulatory Requirement
P12.R1.C25.T1 P12.R1.C25 Regulatory Requirement
P12.R1.C26.T1 P12.R1.C26 Regulatory Requirement
P12.R1.C27.T1 P12.R1.C27 Regulatory Requirement
P12.R1.C28.T1 P12.R1.C28 Regulatory Requirement
P12.R1.C29.T1 P12.R1.C29 Regulatory Requirement
P12.R1.C30.T1 P12.R1.C30 Regulatory Requirement
P12.R1.C31.T1 P12.R1.C31 Regulatory Requirement
P12.R1.C32.T1 P12.R1.C32 Regulatory Requirement
P12.R1.C33.T1 P12.R1.C33 Regulatory Requirement
P12.R1.C34.T1 P12.R1.C34 Regulatory Requirement
P12.R1.C35.T1 P12.R1.C35 Regulatory Requirement
P12.R1.C36.T1 P12.R1.C36 Regulatory Requirement
P12.R1.C37.T1 P12.R1.C37 Regulatory Requirement
P12.R1.C38.T1 P12.R1.C38 Regulatory Requirement
P12.R1.C39.T1 P12.R1.C39 Regulatory Requirement
P12.R1.C40.T1 P12.R1.C40 Regulatory Requirement
P12.R1.C41.T1 P12.R1.C41 Regulatory Requirement
P12.R1.C42.T1 P12.R1.C42 Regulatory Requirement
P12.R1.C43.T1 P12.R1.C43 Regulatory Requirement
P13.R1.C1.T1 P13.R1.C1 Staffing & back-up arrangements
P13.R1.C2.T1 P13.R1.C2 Staffing & back-up arrangements
P13.R1.C3.T1 P13.R1.C3 Staffing & back-up arrangements
P13.R2.C1.T1 P13.R2.C1 Staffing & back-up arrangements
P13.R2.C2.T1 P13.R2.C2 Staffing & back-up arrangements
P13.R2.C3.T1 P13.R2.C3 Staffing & back-up arrangements
P14.R1.C1.T1 P14.R1.C1 Management Information System
P14.R2.C1.T1 P14.R2.C1 Management Information System
P14.R2.C2.T1 P14.R2.C2 Management Information System
P15.R1.C1.T1 P15.R1.C1 Green Banking
P15.R1.C2.T1 P15.R1.C2 Green Banking
P15.R1.C3.T1 P15.R1.C3 Green Banking
P15.R1.C4.T1 P15.R1.C4 Green Banking
P15.R1.C5.T1 P15.R1.C5 Green Banking
P15.R1.C6.T1 P15.R1.C6 Green Banking
P15.R1.C7.T1 P15.R1.C7 Green Banking
P15.R1.C8.T1 P15.R1.C8 Green Banking
P15.R1.C9.T1 P15.R1.C9 Green Banking
P15.R1.C10.T1 P15.R1.C10 Green Banking
P15.R1.C11.T1 P15.R1.C11 Green Banking
P15.R1.C12.T1 P15.R1.C12 Green Banking
P15.R1.C13.T1 P15.R1.C13 Green Banking
P15.R1.C14.T1 P15.R1.C14 Green Banking
P16.R1.C1.T1 P16.R1.C1 CPU Clearing
P16.R1.C2.T1 P16.R1.C2 CPU Clearing
P16.R1.C3.T1 P16.R1.C3 CPU Clearing
P16.R1.C4.T1 P16.R1.C4 CPU Clearing
P16.R1.C5.T1 P16.R1.C5 CPU Clearing
P16.R1.C6.T1 P16.R1.C6 CPU Clearing
P16.R1.C7.T1 P16.R1.C7 CPU Clearing
P16.R1.C8.T1 P16.R1.C8 CPU Clearing
P16.R1.C9.T1 P16.R1.C9 CPU Clearing
P16.R1.C10.T1 P16.R1.C10 CPU Clearing
P16.R1.C11.T1 P16.R1.C11 CPU Clearing
P16.R1.C12.T1 P16.R1.C12 CPU Clearing
P16.R1.C13.T1 P16.R1.C13 CPU Clearing
P16.R1.C14.T1 P16.R1.C14 CPU Clearing
P16.R1.C15.T1 P16.R1.C15 CPU Clearing
P16.R1.C16.T1 P16.R1.C16 CPU Clearing
P16.R1.C17.T1 P16.R1.C17 CPU Clearing
P16.R1.C18.T1 P16.R1.C18 CPU Clearing
P16.R1.C19.T1 P16.R1.C19 CPU Clearing
P16.R1.C20.T1 P16.R1.C20 CPU Clearing
P16.R1.C21.T1 P16.R1.C21 CPU Clearing
P16.R1.C22.T1 P16.R1.C22 CPU Clearing
P16.R1.C23.T1 P16.R1.C23 CPU Clearing
P16.R1.C24.T1 P16.R1.C24 CPU Clearing
P16.R1.C25.T1 P16.R1.C25 CPU Clearing
P16.R1.C26.T1 P16.R1.C26 CPU Clearing
P16.R1.C27.T1 P16.R1.C27 CPU Clearing
P16.R1.C28.T1 P16.R1.C28 CPU Clearing
P16.R1.C29.T1 P16.R1.C29 CPU Clearing
P16.R1.C30.T1 P16.R1.C30 CPU Clearing
P16.R1.C31.T1 P16.R1.C31 CPU Clearing
P16.R1.C32.T1 P16.R1.C32 CPU Clearing
P16.R1.C33.T1 P16.R1.C33 CPU Clearing
P16.R1.C34.T1 P16.R1.C34 CPU Clearing
P16.R1.C35.T1 P16.R1.C35 CPU Clearing
P16.R1.C36.T1 P16.R1.C36 CPU Clearing
P16.R1.C37.T1 P16.R1.C37 CPU Clearing
P16.R1.C38.T1 P16.R1.C38 CPU Clearing
P16.R1.C39.T1 P16.R1.C39 CPU Clearing
P16.R1.C40.T1 P16.R1.C40 CPU Clearing
P16.R1.C41.T1 P16.R1.C41 CPU Clearing
P16.R1.C42.T1 P16.R1.C42 CPU Clearing
P16.R1.C43.T1 P16.R1.C43 CPU Clearing
P16.R1.C44.T1 P16.R1.C44 CPU Clearing
P16.R1.C45.T1 P16.R1.C45 CPU Clearing
P16.R1.C46.T1 P16.R1.C46 CPU Clearing
P16.R1.C47.T1 P16.R1.C47 CPU Clearing
P16.R1.C48.T1 P16.R1.C48 CPU Clearing
P16.R1.C49.T1 P16.R1.C49 CPU Clearing
P16.R1.C50.T1 P16.R1.C50 CPU Clearing
P16.R1.C51.T1 P16.R1.C51 CPU Clearing
P16.R1.C52.T1 P16.R1.C52 CPU Clearing
P16.R1.C53.T1 P16.R1.C53 CPU Clearing
P16.R1.C54.T1 P16.R1.C54 CPU Clearing
P16.R1.C55.T1 P16.R1.C55 CPU Clearing
P16.R1.C56.T1 P16.R1.C56 CPU Clearing
P16.R1.C57.T1 P16.R1.C57 CPU Clearing
P16.R1.C58.T1 P16.R1.C58 CPU Clearing
P16.R1.C59.T1 P16.R1.C59 CPU Clearing
P16.R1.C60.T1 P16.R1.C60 CPU Clearing
P16.R1.C61.T1 P16.R1.C61 CPU Clearing
P16.R1.C62.T1 P16.R1.C62 CPU Clearing
P16.R1.C63.T1 P16.R1.C63 CPU Clearing
P16.R1.C64.T1 P16.R1.C64 CPU Clearing
P16.R1.C65.T1 P16.R1.C65 CPU Clearing
P16.R1.C66.T1 P16.R1.C66 CPU Clearing
P16.R1.C67.T1 P16.R1.C67 CPU Clearing
P16.R1.C68.T1 P16.R1.C68 CPU Clearing
P16.R1.C69.T1 P16.R1.C69 CPU Clearing
P16.R1.C70.T1 P16.R1.C70 CPU Clearing
P16.R1.C71.T1 P16.R1.C71 CPU Clearing
P16.R1.C72.T1 P16.R1.C72 CPU Clearing
P16.R1.C73.T1 P16.R1.C73 CPU Clearing
P16.R1.C74.T1 P16.R1.C74 CPU Clearing
P16.R1.C75.T1 P16.R1.C75 CPU Clearing
P16.R1.C76.T1 P16.R1.C76 CPU Clearing
P16.R1.C77.T1 P16.R1.C77 CPU Clearing
P16.R1.C78.T1 P16.R1.C78 CPU Clearing
P16.R1.C79.T1 P16.R1.C79 CPU Clearing
P16.R1.C80.T1 P16.R1.C80 CPU Clearing
P16.R1.C81.T1 P16.R1.C81 CPU Clearing
P16.R1.C82.T1 P16.R1.C82 CPU Clearing
P16.R1.C83.T1 P16.R1.C83 CPU Clearing
P16.R1.C84.T1 P16.R1.C84 CPU Clearing
P16.R1.C85.T1 P16.R1.C85 CPU Clearing
P16.R1.C86.T1 P16.R1.C86 CPU Clearing
P16.R1.C87.T1 P16.R1.C87 CPU Clearing
P16.R1.C88.T1 P16.R1.C88 CPU Clearing
P16.R1.C89.T1 P16.R1.C89 CPU Clearing
P17.R1.C1.T1 P17.R1.C1 Faysal Rapid Cash
P17.R1.C2.T1 P17.R1.C2 Faysal Rapid Cash
P17.R1.C3.T1 P17.R1.C3 Faysal Rapid Cash
P17.R1.C4.T1 P17.R1.C4 Faysal Rapid Cash
P17.R1.C5.T1 P17.R1.C5 Faysal Rapid Cash
P17.R1.C6.T1 P17.R1.C6 Faysal Rapid Cash
P17.R1.C7.T1 P17.R1.C7 Faysal Rapid Cash
P17.R1.C8.T1 P17.R1.C8 Faysal Rapid Cash
P17.R1.C9.T1 P17.R1.C9 Faysal Rapid Cash
P17.R1.C10.T1 P17.R1.C10 Faysal Rapid Cash
P17.R1.C11.T1 P17.R1.C11 Faysal Rapid Cash
P17.R1.C12.T1 P17.R1.C12 Faysal Rapid Cash
P17.R1.C13.T1 P17.R1.C13 Faysal Rapid Cash
P17.R1.C14.T1 P17.R1.C14 Faysal Rapid Cash
P17.R1.C15.T1 P17.R1.C15 Faysal Rapid Cash
P17.R1.C16.T1 P17.R1.C16 Faysal Rapid Cash
P17.R1.C17.T1 P17.R1.C17 Faysal Rapid Cash
P17.R1.C18.T1 P17.R1.C18 Faysal Rapid Cash
P17.R1.C19.T1 P17.R1.C19 Faysal Rapid Cash
P17.R1.C20.T1 P17.R1.C20 Faysal Rapid Cash
P17.R1.C21.T1 P17.R1.C21 Faysal Rapid Cash
P17.R1.C22.T1 P17.R1.C22 Faysal Rapid Cash
P17.R1.C23.T1 P17.R1.C23 Faysal Rapid Cash
P17.R1.C24.T1 P17.R1.C24 Faysal Rapid Cash
P17.R1.C25.T1 P17.R1.C25 Faysal Rapid Cash
P17.R1.C26.T1 P17.R1.C26 Faysal Rapid Cash
P17.R1.C27.T1 P17.R1.C27 Faysal Rapid Cash
P17.R1.C28.T1 P17.R1.C28 Faysal Rapid Cash
P17.R1.C29.T1 P17.R1.C29 Faysal Rapid Cash
P17.R1.C30.T1 P17.R1.C30 Faysal Rapid Cash
P17.R1.C31.T1 P17.R1.C31 Faysal Rapid Cash
P17.R1.C32.T1 P17.R1.C32 Faysal Rapid Cash
P17.R1.C33.T1 P17.R1.C33 Faysal Rapid Cash
P17.R1.C34.T1 P17.R1.C34 Faysal Rapid Cash
P17.R1.C35.T1 P17.R1.C35 Faysal Rapid Cash
P17.R1.C36.T1 P17.R1.C36 Faysal Rapid Cash
P17.R1.C37.T1 P17.R1.C37 Faysal Rapid Cash
P17.R1.C38.T1 P17.R1.C38 Faysal Rapid Cash
P17.R1.C39.T1 P17.R1.C39 Faysal Rapid Cash
P17.R1.C40.T1 P17.R1.C40 Faysal Rapid Cash
P17.R1.C41.T1 P17.R1.C41 Faysal Rapid Cash
P17.R1.C42.T1 P17.R1.C42 Faysal Rapid Cash
P17.R1.C43.T1 P17.R1.C43 Faysal Rapid Cash
P17.R1.C44.T1 P17.R1.C44 Faysal Rapid Cash
P17.R1.C45.T1 P17.R1.C45 Faysal Rapid Cash
P17.R1.C46.T1 P17.R1.C46 Faysal Rapid Cash
P17.R1.C47.T1 P17.R1.C47 Faysal Rapid Cash
P17.R1.C48.T1 P17.R1.C48 Faysal Rapid Cash
P17.R1.C49.T1 P17.R1.C49 Faysal Rapid Cash
P17.R1.C50.T1 P17.R1.C50 Faysal Rapid Cash
P17.R1.C51.T1 P17.R1.C51 Faysal Rapid Cash
P17.R1.C52.T1 P17.R1.C52 Faysal Rapid Cash
P17.R1.C53.T1 P17.R1.C53 Faysal Rapid Cash
P17.R1.C54.T1 P17.R1.C54 Faysal Rapid Cash
P17.R1.C55.T1 P17.R1.C55 Faysal Rapid Cash
P17.R1.C56.T1 P17.R1.C56 Faysal Rapid Cash
P17.R1.C57.T1 P17.R1.C57 Faysal Rapid Cash
P17.R1.C58.T1 P17.R1.C58 Faysal Rapid Cash
P17.R1.C59.T1 P17.R1.C59 Faysal Rapid Cash
P17.R1.C60.T1 P17.R1.C60 Faysal Rapid Cash
P17.R1.C61.T1 P17.R1.C61 Faysal Rapid Cash
P17.R1.C62.T1 P17.R1.C62 Faysal Rapid Cash
P17.R1.C63.T1 P17.R1.C63 Faysal Rapid Cash
P17.R1.C64.T1 P17.R1.C64 Faysal Rapid Cash
P17.R1.C65.T1 P17.R1.C65 Faysal Rapid Cash
P17.R1.C66.T1 P17.R1.C66 Faysal Rapid Cash
P17.R1.C67.T1 P17.R1.C67 Faysal Rapid Cash
P17.R1.C68.T1 P17.R1.C68 Faysal Rapid Cash
P17.R1.C69.T1 P17.R1.C69 Faysal Rapid Cash
P17.R1.C70.T1 P17.R1.C70 Faysal Rapid Cash
P17.R1.C71.T1 P17.R1.C71 Faysal Rapid Cash
P17.R1.C72.T1 P17.R1.C72 Faysal Rapid Cash
P17.R1.C73.T1 P17.R1.C73 Faysal Rapid Cash
P17.R1.C74.T1 P17.R1.C74 Faysal Rapid Cash
P17.R1.C75.T1 P17.R1.C75 Faysal Rapid Cash
P17.R1.C76.T1 P17.R1.C76 Faysal Rapid Cash
P17.R1.C77.T1 P17.R1.C77 Faysal Rapid Cash
P17.R1.C78.T1 P17.R1.C78 Faysal Rapid Cash
P17.R1.C79.T1 P17.R1.C79 Faysal Rapid Cash
P17.R1.C80.T1 P17.R1.C80 Faysal Rapid Cash
P18.R1.C1.T1 P18.R1.C1 Government Securities
P18.R1.C2.T1 P18.R1.C2 Government Securities
P18.R1.C3.T1 P18.R1.C3 Government Securities
P18.R1.C4.T1 P18.R1.C4 Government Securities
P18.R1.C5.T1 P18.R1.C5 Government Securities
P18.R1.C6.T1 P18.R1.C6 Government Securities
P18.R1.C7.T1 P18.R1.C7 Government Securities
P18.R1.C8.T1 P18.R1.C8 Government Securities
P18.R1.C9.T1 P18.R1.C9 Government Securities
P18.R1.C10.T1 P18.R1.C10 Government Securities
P18.R1.C11.T1 P18.R1.C11 Government Securities
P18.R1.C12.T1 P18.R1.C12 Government Securities
P18.R1.C13.T1 P18.R1.C13 Government Securities
P18.R1.C14.T1 P18.R1.C14 Government Securities
P18.R1.C15.T1 P18.R1.C15 Government Securities
P18.R1.C16.T1 P18.R1.C16 Government Securities
P18.R1.C17.T1 P18.R1.C17 Government Securities
P18.R1.C18.T1 P18.R1.C18 Government Securities
P18.R1.C19.T1 P18.R1.C19 Government Securities
P18.R1.C20.T1 P18.R1.C20 Government Securities
P18.R1.C21.T1 P18.R1.C21 Government Securities
P18.R1.C22.T1 P18.R1.C22 Government Securities
P18.R1.C23.T1 P18.R1.C23 Government Securities
P18.R1.C24.T1 P18.R1.C24 Government Securities
P18.R1.C25.T1 P18.R1.C25 Government Securities
P18.R1.C26.T1 P18.R1.C26 Government Securities
P18.R1.C27.T1 P18.R1.C27 Government Securities
P18.R1.C28.T1 P18.R1.C28 Government Securities
P18.R1.C29.T1 P18.R1.C29 Government Securities
P18.R1.C30.T1 P18.R1.C30 Government Securities
P18.R1.C31.T1 P18.R1.C31 Government Securities
P18.R1.C32.T1 P18.R1.C32 Government Securities
P18.R1.C33.T1 P18.R1.C33 Government Securities
P18.R1.C34.T1 P18.R1.C34 Government Securities
P18.R1.C35.T1 P18.R1.C35 Government Securities
P18.R1.C36.T1 P18.R1.C36 Government Securities
P18.R1.C37.T1 P18.R1.C37 Government Securities
P18.R1.C38.T1 P18.R1.C38 Government Securities
P18.R1.C39.T1 P18.R1.C39 Government Securities
P18.R1.C40.T1 P18.R1.C40 Government Securities
P18.R1.C41.T1 P18.R1.C41 Government Securities
P18.R1.C42.T1 P18.R1.C42 Government Securities
P18.R1.C43.T1 P18.R1.C43 Government Securities
P18.R1.C44.T1 P18.R1.C44 Government Securities
P18.R1.C45.T1 P18.R1.C45 Government Securities
P18.R1.C46.T1 P18.R1.C46 Government Securities
P18.R1.C47.T1 P18.R1.C47 Government Securities
P18.R1.C48.T1 P18.R1.C48 Government Securities
P18.R1.C49.T1 P18.R1.C49 Government Securities
P18.R1.C50.T1 P18.R1.C50 Government Securities
P19.R1.C1.T1 P19.R1.C1 Term Deposit Receipt
P19.R1.C2.T1 P19.R1.C2 Term Deposit Receipt
P19.R1.C3.T1 P19.R1.C3 Term Deposit Receipt
P19.R1.C4.T1 P19.R1.C4 Term Deposit Receipt
P19.R1.C5.T1 P19.R1.C5 Term Deposit Receipt
P19.R1.C6.T1 P19.R1.C6 Term Deposit Receipt
P19.R1.C7.T1 P19.R1.C7 Term Deposit Receipt
P19.R1.C8.T1 P19.R1.C8 Term Deposit Receipt
P19.R1.C9.T1 P19.R1.C9 Term Deposit Receipt
P19.R1.C10.T1 P19.R1.C10 Term Deposit Receipt
P19.R1.C11.T1 P19.R1.C11 Term Deposit Receipt
P19.R1.C12.T1 P19.R1.C12 Term Deposit Receipt
P19.R1.C13.T1 P19.R1.C13 Term Deposit Receipt
P19.R1.C14.T1 P19.R1.C14 Term Deposit Receipt
P19.R1.C15.T1 P19.R1.C15 Term Deposit Receipt
P19.R1.C16.T1 P19.R1.C16 Term Deposit Receipt
P19.R1.C17.T1 P19.R1.C17 Term Deposit Receipt
P19.R1.C18.T1 P19.R1.C18 Term Deposit Receipt
P19.R1.C19.T1 P19.R1.C19 Term Deposit Receipt
P19.R1.C20.T1 P19.R1.C20 Term Deposit Receipt
P19.R1.C21.T1 P19.R1.C21 Term Deposit Receipt
P19.R1.C22.T1 P19.R1.C22 Term Deposit Receipt
P19.R1.C23.T1 P19.R1.C23 Term Deposit Receipt
P19.R1.C24.T1 P19.R1.C24 Term Deposit Receipt
P19.R1.C25.T1 P19.R1.C25 Term Deposit Receipt
P19.R1.C26.T1 P19.R1.C26 Term Deposit Receipt
P19.R1.C27.T1 P19.R1.C27 Term Deposit Receipt
P19.R1.C28.T1 P19.R1.C28 Term Deposit Receipt
P19.R1.C29.T1 P19.R1.C29 Term Deposit Receipt
P19.R1.C30.T1 P19.R1.C30 Term Deposit Receipt
P19.R1.C31.T1 P19.R1.C31 Term Deposit Receipt
P19.R1.C32.T1 P19.R1.C32 Term Deposit Receipt
P19.R1.C33.T1 P19.R1.C33 Term Deposit Receipt
P19.R1.C34.T1 P19.R1.C34 Term Deposit Receipt
P19.R1.C35.T1 P19.R1.C35 Term Deposit Receipt
P19.R1.C36.T1 P19.R1.C36 Term Deposit Receipt
P19.R1.C37.T1 P19.R1.C37 Term Deposit Receipt
P19.R1.C38.T1 P19.R1.C38 Term Deposit Receipt
P19.R1.C39.T1 P19.R1.C39 Term Deposit Receipt
P19.R1.C40.T1 P19.R1.C40 Term Deposit Receipt
P19.R1.C41.T1 P19.R1.C41 Term Deposit Receipt
P19.R1.C42.T1 P19.R1.C42 Term Deposit Receipt
P19.R1.C43.T1 P19.R1.C43 Term Deposit Receipt
P19.R1.C44.T1 P19.R1.C44 Term Deposit Receipt
P19.R1.C45.T1 P19.R1.C45 Term Deposit Receipt
P19.R1.C46.T1 P19.R1.C46 Term Deposit Receipt
P19.R1.C47.T1 P19.R1.C47 Term Deposit Receipt
P19.R1.C48.T1 P19.R1.C48 Term Deposit Receipt
P20.R1.C1.T1 P20.R1.C1 Account Opening/Closing
P20.R1.C2.T1 P20.R1.C2 Account Opening/Closing
P20.R1.C3.T1 P20.R1.C3 Account Opening/Closing
P20.R1.C4.T1 P20.R1.C4 Account Opening/Closing
P20.R1.C5.T1 P20.R1.C5 Account Opening/Closing
P20.R1.C6.T1 P20.R1.C6 Account Opening/Closing
P20.R1.C7.T1 P20.R1.C7 Account Opening/Closing
P20.R1.C8.T1 P20.R1.C8 Account Opening/Closing
P20.R1.C9.T1 P20.R1.C9 Account Opening/Closing
P20.R1.C10.T1 P20.R1.C10 Account Opening/Closing
P20.R1.C11.T1 P20.R1.C11 Account Opening/Closing
P20.R1.C12.T1 P20.R1.C12 Account Opening/Closing
P20.R1.C13.T1 P20.R1.C13 Account Opening/Closing
P20.R1.C14.T1 P20.R1.C14 Account Opening/Closing
P20.R1.C15.T1 P20.R1.C15 Account Opening/Closing
P20.R1.C16.T1 P20.R1.C16 Account Opening/Closing
P20.R1.C17.T1 P20.R1.C17 Account Opening/Closing
P20.R1.C18.T1 P20.R1.C18 Account Opening/Closing
P20.R1.C19.T1 P20.R1.C19 Account Opening/Closing
P20.R1.C20.T1 P20.R1.C20 Account Opening/Closing
P20.R1.C21.T1 P20.R1.C21 Account Opening/Closing
P20.R1.C22.T1 P20.R1.C22 Account Opening/Closing
P20.R1.C23.T1 P20.R1.C23 Account Opening/Closing
P20.R1.C24.T1 P20.R1.C24 Account Opening/Closing
P20.R1.C25.T1 P20.R1.C25 Account Opening/Closing
P20.R1.C26.T1 P20.R1.C26 Account Opening/Closing
P20.R1.C27.T1 P20.R1.C27 Account Opening/Closing
P20.R1.C28.T1 P20.R1.C28 Account Opening/Closing
P20.R1.C29.T1 P20.R1.C29 Account Opening/Closing
P20.R1.C30.T1 P20.R1.C30 Account Opening/Closing
P20.R1.C31.T1 P20.R1.C31 Account Opening/Closing
P20.R1.C32.T1 P20.R1.C32 Account Opening/Closing
P20.R1.C33.T1 P20.R1.C33 Account Opening/Closing
P20.R1.C34.T1 P20.R1.C34 Account Opening/Closing
P20.R1.C35.T1 P20.R1.C35 Account Opening/Closing
P20.R1.C36.T1 P20.R1.C36 Account Opening/Closing
P20.R1.C37.T1 P20.R1.C37 Account Opening/Closing
P20.R1.C38.T1 P20.R1.C38 Account Opening/Closing
P20.R1.C39.T1 P20.R1.C39 Account Opening/Closing
P20.R1.C40.T1 P20.R1.C40 Account Opening/Closing
P20.R1.C41.T1 P20.R1.C41 Account Opening/Closing
P20.R1.C42.T1 P20.R1.C42 Account Opening/Closing
P20.R1.C43.T1 P20.R1.C43 Account Opening/Closing
P20.R1.C44.T1 P20.R1.C44 Account Opening/Closing
P20.R1.C45.T1 P20.R1.C45 Account Opening/Closing
P20.R1.C46.T1 P20.R1.C46 Account Opening/Closing
P20.R1.C47.T1 P20.R1.C47 Account Opening/Closing
P20.R1.C48.T1 P20.R1.C48 Account Opening/Closing
P20.R1.C49.T1 P20.R1.C49 Account Opening/Closing
P20.R1.C50.T1 P20.R1.C50 Account Opening/Closing
P20.R1.C51.T1 P20.R1.C51 Account Opening/Closing
P20.R1.C52.T1 P20.R1.C52 Account Opening/Closing
P20.R1.C53.T1 P20.R1.C53 Account Opening/Closing
P20.R1.C54.T1 P20.R1.C54 Account Opening/Closing
P20.R1.C55.T1 P20.R1.C55 Account Opening/Closing
P20.R1.C56.T1 P20.R1.C56 Account Opening/Closing
P20.R1.C57.T1 P20.R1.C57 Account Opening/Closing
P20.R1.C58.T1 P20.R1.C58 Account Opening/Closing
P20.R1.C59.T1 P20.R1.C59 Account Opening/Closing
P20.R1.C60.T1 P20.R1.C60 Account Opening/Closing
P20.R1.C61.T1 P20.R1.C61 Account Opening/Closing
P20.R1.C62.T1 P20.R1.C62 Account Opening/Closing
P20.R1.C63.T1 P20.R1.C63 Account Opening/Closing
P20.R1.C64.T1 P20.R1.C64 Account Opening/Closing
P21.R1.C1.T1 P21.R1.C1 Creation and Amendment of Static Data
P21.R1.C2.T1 P21.R1.C2 Creation and Amendment of Static Data
P21.R1.C3.T1 P21.R1.C3 Creation and Amendment of Static Data
P21.R1.C4.T1 P21.R1.C4 Creation and Amendment of Static Data
P21.R1.C5.T1 P21.R1.C5 Creation and Amendment of Static Data
P21.R1.C6.T1 P21.R1.C6 Creation and Amendment of Static Data
P21.R1.C7.T1 P21.R1.C7 Creation and Amendment of Static Data
P21.R1.C8.T1 P21.R1.C8 Creation and Amendment of Static Data
P21.R1.C9.T1 P21.R1.C9 Creation and Amendment of Static Data
P21.R1.C10.T1 P21.R1.C10 Creation and Amendment of Static Data
P21.R1.C11.T1 P21.R1.C11 Creation and Amendment of Static Data
P21.R1.C12.T1 P21.R1.C12 Creation and Amendment of Static Data
P21.R1.C13.T1 P21.R1.C13 Creation and Amendment of Static Data
P21.R1.C14.T1 P21.R1.C14 Creation and Amendment of Static Data
P21.R1.C15.T1 P21.R1.C15 Creation and Amendment of Static Data
P21.R1.C16.T1 P21.R1.C16 Creation and Amendment of Static Data
P21.R1.C17.T1 P21.R1.C17 Creation and Amendment of Static Data
P21.R1.C18.T1 P21.R1.C18 Creation and Amendment of Static Data
P21.R1.C19.T1 P21.R1.C19 Creation and Amendment of Static Data
P21.R1.C20.T1 P21.R1.C20 Creation and Amendment of Static Data
P21.R1.C21.T1 P21.R1.C21 Creation and Amendment of Static Data
P21.R1.C22.T1 P21.R1.C22 Creation and Amendment of Static Data
P21.R1.C23.T1 P21.R1.C23 Creation and Amendment of Static Data
P21.R1.C24.T1 P21.R1.C24 Creation and Amendment of Static Data
P21.R1.C25.T1 P21.R1.C25 Creation and Amendment of Static Data
P21.R1.C26.T1 P21.R1.C26 Creation and Amendment of Static Data
P21.R1.C27.T1 P21.R1.C27 Creation and Amendment of Static Data
P21.R1.C28.T1 P21.R1.C28 Creation and Amendment of Static Data
P21.R1.C29.T1 P21.R1.C29 Creation and Amendment of Static Data
P21.R1.C30.T1 P21.R1.C30 Creation and Amendment of Static Data
P21.R1.C31.T1 P21.R1.C31 Creation and Amendment of Static Data
P21.R1.C32.T1 P21.R1.C32 Creation and Amendment of Static Data
P21.R1.C33.T1 P21.R1.C33 Creation and Amendment of Static Data
P21.R1.C34.T1 P21.R1.C34 Creation and Amendment of Static Data
P21.R1.C35.T1 P21.R1.C35 Creation and Amendment of Static Data
P21.R1.C36.T1 P21.R1.C36 Creation and Amendment of Static Data
P21.R1.C37.T1 P21.R1.C37 Creation and Amendment of Static Data
P21.R1.C38.T1 P21.R1.C38 Creation and Amendment of Static Data
P21.R1.C39.T1 P21.R1.C39 Creation and Amendment of Static Data
P21.R1.C40.T1 P21.R1.C40 Creation and Amendment of Static Data
P21.R1.C41.T1 P21.R1.C41 Creation and Amendment of Static Data
P21.R1.C42.T1 P21.R1.C42 Creation and Amendment of Static Data
P21.R1.C43.T1 P21.R1.C43 Creation and Amendment of Static Data
P21.R1.C44.T1 P21.R1.C44 Creation and Amendment of Static Data
P21.R1.C45.T1 P21.R1.C45 Creation and Amendment of Static Data
P21.R1.C46.T1 P21.R1.C46 Creation and Amendment of Static Data
P21.R1.C47.T1 P21.R1.C47 Creation and Amendment of Static Data
P21.R1.C48.T1 P21.R1.C48 Creation and Amendment of Static Data
P21.R1.C49.T1 P21.R1.C49 Creation and Amendment of Static Data
P21.R1.C50.T1 P21.R1.C50 Creation and Amendment of Static Data
P21.R1.C51.T1 P21.R1.C51 Creation and Amendment of Static Data
P21.R1.C52.T1 P21.R1.C52 Creation and Amendment of Static Data
P21.R1.C53.T1 P21.R1.C53 Creation and Amendment of Static Data
P21.R1.C54.T1 P21.R1.C54 Creation and Amendment of Static Data
P21.R1.C55.T1 P21.R1.C55 Creation and Amendment of Static Data
P21.R1.C56.T1 P21.R1.C56 Creation and Amendment of Static Data
P21.R1.C57.T1 P21.R1.C57 Creation and Amendment of Static Data
P21.R1.C58.T1 P21.R1.C58 Creation and Amendment of Static Data
P21.R1.C59.T1 P21.R1.C59 Creation and Amendment of Static Data
P21.R1.C60.T1 P21.R1.C60 Creation and Amendment of Static Data
P21.R1.C61.T1 P21.R1.C61 Creation and Amendment of Static Data
P21.R1.C62.T1 P21.R1.C62 Creation and Amendment of Static Data
P21.R1.C63.T1 P21.R1.C63 Creation and Amendment of Static Data
P21.R1.C64.T1 P21.R1.C64 Creation and Amendment of Static Data
P21.R1.C65.T1 P21.R1.C65 Creation and Amendment of Static Data
P21.R1.C66.T1 P21.R1.C66 Creation and Amendment of Static Data
P21.R1.C67.T1 P21.R1.C67 Creation and Amendment of Static Data
P21.R1.C68.T1 P21.R1.C68 Creation and Amendment of Static Data
P21.R1.C69.T1 P21.R1.C69 Creation and Amendment of Static Data
P21.R1.C70.T1 P21.R1.C70 Creation and Amendment of Static Data
P21.R1.C71.T1 P21.R1.C71 Creation and Amendment of Static Data
P21.R1.C72.T1 P21.R1.C72 Creation and Amendment of Static Data
P21.R1.C73.T1 P21.R1.C73 Creation and Amendment of Static Data
P21.R1.C74.T1 P21.R1.C74 Creation and Amendment of Static Data
P21.R1.C75.T1 P21.R1.C75 Creation and Amendment of Static Data
P21.R1.C76.T1 P21.R1.C76 Creation and Amendment of Static Data
P21.R1.C77.T1 P21.R1.C77 Creation and Amendment of Static Data
P21.R1.C78.T1 P21.R1.C78 Creation and Amendment of Static Data
P21.R1.C79.T1 P21.R1.C79 Creation and Amendment of Static Data
P7.R3.C1.T1 P7.R3.C1 Handling of Customer Instructions
P7.R3.C2.T1 P7.R3.C2 Handling of Customer Instructions
P7.R3.C3.T1 P7.R3.C3 Handling of Customer Instructions
P7.R3.C4.T1 P7.R3.C4 Handling of Customer Instructions
P7.R3.C5.T1 P7.R3.C5 Handling of Customer Instructions
P7.R3.C6.T1 P7.R3.C6 Handling of Customer Instructions
P7.R3.C7.T1 P7.R3.C7 Handling of Customer Instructions
P7.R3.C8.T1 P7.R3.C8 Handling of Customer Instructions
P7.R3.C9.T1 P7.R3.C9 Handling of Customer Instructions
P7.R3.C10.T1 P7.R3.C10 Handling of Customer Instructions
P7.R3.C11.T1 P7.R3.C11 Handling of Customer Instructions
P7.R3.C12.T1 P7.R3.C12 Handling of Customer Instructions
P7.R3.C13.T1 P7.R3.C13 Handling of Customer Instructions
P7.R3.C14.T1 P7.R3.C14 Handling of Customer Instructions
P7.R3.C15.T1 P7.R3.C15 Handling of Customer Instructions
P7.R3.C16.T1 P7.R3.C16 Handling of Customer Instructions
P7.R3.C17.T1 P7.R3.C17 Handling of Customer Instructions
P7.R3.C18.T1 P7.R3.C18 Handling of Customer Instructions
P7.R3.C19.T1 P7.R3.C19 Handling of Customer Instructions
P7.R3.C20.T1 P7.R3.C20 Handling of Customer Instructions
P3.R4.C1.T1 P3.R4.C1 Cheque Handling & Clearing
P3.R4.C2.T1 P3.R4.C2 Cheque Handling & Clearing
P3.R4.C3.T1 P3.R4.C3 Cheque Handling & Clearing
P3.R4.C4.T1 P3.R4.C4 Cheque Handling & Clearing
P3.R4.C5.T1 P3.R4.C5 Cheque Handling & Clearing
P3.R4.C6.T1 P3.R4.C6 Cheque Handling & Clearing
P3.R4.C7.T1 P3.R4.C7 Cheque Handling & Clearing
P3.R4.C8.T1 P3.R4.C8 Cheque Handling & Clearing
P3.R4.C9.T1 P3.R4.C9 Cheque Handling & Clearing
P3.R4.C10.T1 P3.R4.C10 Cheque Handling & Clearing
P3.R4.C11.T1 P3.R4.C11 Cheque Handling & Clearing
P3.R4.C12.T1 P3.R4.C12 Cheque Handling & Clearing
P3.R4.C13.T1 P3.R4.C13 Cheque Handling & Clearing
P3.R4.C14.T1 P3.R4.C14 Cheque Handling & Clearing
P3.R4.C15.T1 P3.R4.C15 Cheque Handling & Clearing
P3.R4.C16.T1 P3.R4.C16 Cheque Handling & Clearing
P3.R4.C17.T1 P3.R4.C17 Cheque Handling & Clearing
P3.R4.C18.T1 P3.R4.C18 Cheque Handling & Clearing
P3.R4.C19.T1 P3.R4.C19 Cheque Handling & Clearing
P3.R4.C20.T1 P3.R4.C20 Cheque Handling & Clearing
P3.R4.C21.T1 P3.R4.C21 Cheque Handling & Clearing
P3.R4.C22.T1 P3.R4.C22 Cheque Handling & Clearing
P3.R4.C23.T1 P3.R4.C23 Cheque Handling & Clearing
P3.R4.C24.T1 P3.R4.C24 Cheque Handling & Clearing
P3.R4.C25.T1 P3.R4.C25 Cheque Handling & Clearing
P3.R4.C26.T1 P3.R4.C26 Cheque Handling & Clearing
P3.R4.C27.T1 P3.R4.C27 Cheque Handling & Clearing
P3.R4.C28.T1 P3.R4.C28 Cheque Handling & Clearing
P3.R4.C29.T1 P3.R4.C29 Cheque Handling & Clearing
P3.R4.C30.T1 P3.R4.C30 Cheque Handling & Clearing
P3.R4.C31.T1 P3.R4.C31 Cheque Handling & Clearing
P3.R4.C32.T1 P3.R4.C32 Cheque Handling & Clearing
P3.R4.C33.T1 P3.R4.C33 Cheque Handling & Clearing
P3.R4.C34.T1 P3.R4.C34 Cheque Handling & Clearing
P3.R4.C35.T1 P3.R4.C35 Cheque Handling & Clearing
P3.R4.C36.T1 P3.R4.C36 Cheque Handling & Clearing
P3.R4.C37.T1 P3.R4.C37 Cheque Handling & Clearing
P3.R4.C38.T1 P3.R4.C38 Cheque Handling & Clearing
P3.R4.C39.T1 P3.R4.C39 Cheque Handling & Clearing
P3.R4.C40.T1 P3.R4.C40 Cheque Handling & Clearing
P3.R4.C41.T1 P3.R4.C41 Cheque Handling & Clearing
P3.R4.C42.T1 P3.R4.C42 Cheque Handling & Clearing
P3.R4.C43.T1 P3.R4.C43 Cheque Handling & Clearing
P3.R4.C44.T1 P3.R4.C44 Cheque Handling & Clearing
P3.R4.C45.T1 P3.R4.C45 Cheque Handling & Clearing
P3.R4.C46.T1 P3.R4.C46 Cheque Handling & Clearing
P3.R4.C47.T1 P3.R4.C47 Cheque Handling & Clearing
P3.R4.C48.T1 P3.R4.C48 Cheque Handling & Clearing
P3.R4.C49.T1 P3.R4.C49 Cheque Handling & Clearing
P3.R4.C50.T1 P3.R4.C50 Cheque Handling & Clearing
P3.R4.C51.T1 P3.R4.C51 Cheque Handling & Clearing
P3.R4.C52.T1 P3.R4.C52 Cheque Handling & Clearing
P3.R4.C53.T1 P3.R4.C53 Cheque Handling & Clearing
P3.R4.C54.T1 P3.R4.C54 Cheque Handling & Clearing
P3.R4.C55.T1 P3.R4.C55 Cheque Handling & Clearing
P3.R4.C56.T1 P3.R4.C56 Cheque Handling & Clearing
P3.R4.C57.T1 P3.R4.C57 Cheque Handling & Clearing
P3.R4.C58.T1 P3.R4.C58 Cheque Handling & Clearing
P3.R4.C59.T1 P3.R4.C59 Cheque Handling & Clearing
P3.R4.C60.T1 P3.R4.C60 Cheque Handling & Clearing
P3.R4.C61.T1 P3.R4.C61 Cheque Handling & Clearing
P3.R4.C62.T1 P3.R4.C62 Cheque Handling & Clearing
P3.R4.C63.T1 P3.R4.C63 Cheque Handling & Clearing
P3.R4.C64.T1 P3.R4.C64 Cheque Handling & Clearing
P3.R4.C65.T1 P3.R4.C65 Cheque Handling & Clearing
P3.R4.C66.T1 P3.R4.C66 Cheque Handling & Clearing
P3.R4.C67.T1 P3.R4.C67 Cheque Handling & Clearing
P3.R4.C68.T1 P3.R4.C68 Cheque Handling & Clearing
P3.R4.C69.T1 P3.R4.C69 Cheque Handling & Clearing
P3.R4.C70.T1 P3.R4.C70 Cheque Handling & Clearing
P3.R4.C71.T1 P3.R4.C71 Cheque Handling & Clearing
P3.R4.C72.T1 P3.R4.C72 Cheque Handling & Clearing
P3.R4.C73.T1 P3.R4.C73 Cheque Handling & Clearing
P3.R4.C74.T1 P3.R4.C74 Cheque Handling & Clearing
P3.R4.C75.T1 P3.R4.C75 Cheque Handling & Clearing
P3.R4.C76.T1 P3.R4.C76 Cheque Handling & Clearing
P3.R4.C77.T1 P3.R4.C77 Cheque Handling & Clearing
P3.R4.C78.T1 P3.R4.C78 Cheque Handling & Clearing
P3.R4.C79.T1 P3.R4.C79 Cheque Handling & Clearing
P3.R4.C80.T1 P3.R4.C80 Cheque Handling & Clearing
P3.R4.C81.T1 P3.R4.C81 Cheque Handling & Clearing
P3.R4.C82.T1 P3.R4.C82 Cheque Handling & Clearing
P3.R4.C83.T1 P3.R4.C83 Cheque Handling & Clearing
P3.R4.C84.T1 P3.R4.C84 Cheque Handling & Clearing
P3.R4.C85.T1 P3.R4.C85 Cheque Handling & Clearing
P3.R4.C86.T1 P3.R4.C86 Cheque Handling & Clearing
P3.R4.C87.T1 P3.R4.C87 Cheque Handling & Clearing
P3.R4.C88.T1 P3.R4.C88 Cheque Handling & Clearing
P3.R4.C89.T1 P3.R4.C89 Cheque Handling & Clearing
P3.R4.C90.T1 P3.R4.C90 Cheque Handling & Clearing
P3.R4.C91.T1 P3.R4.C91 Cheque Handling & Clearing
P3.R4.C92.T1 P3.R4.C92 Cheque Handling & Clearing
P3.R4.C93.T1 P3.R4.C93 Cheque Handling & Clearing
P3.R4.C94.T1 P3.R4.C94 Cheque Handling & Clearing
P3.R4.C95.T1 P3.R4.C95 Cheque Handling & Clearing
P3.R4.C96.T1 P3.R4.C96 Cheque Handling & Clearing
P3.R4.C97.T1 P3.R4.C97 Cheque Handling & Clearing
P3.R4.C98.T1 P3.R4.C98 Cheque Handling & Clearing
P3.R4.C99.T1 P3.R4.C99 Cheque Handling & Clearing
P3.R4.C100.T1 P3.R4.C100 Cheque Handling & Clearing
P9.R1.C49.T1 P9.R1.C49 Physical Access Control
P9.R1.C50.T1 P9.R1.C50 Physical Access Control
P9.R1.C51.T1 P9.R1.C51 Physical Access Control
P9.R1.C52.T1 P9.R1.C52 Physical Access Control
P9.R1.C53.T1 P9.R1.C53 Physical Access Control
P9.R1.C54.T1 P9.R1.C54 Physical Access Control
P9.R1.C55.T1 P9.R1.C55 Physical Access Control
P9.R1.C56.T1 P9.R1.C56 Physical Access Control
P9.R1.C57.T1 P9.R1.C57 Physical Access Control
P9.R1.C58.T1 P9.R1.C58 Physical Access Control
P9.R1.C59.T1 P9.R1.C59 Physical Access Control
P9.R1.C60.T1 P9.R1.C60 Physical Access Control
P9.R1.C61.T1 P9.R1.C61 Physical Access Control
P9.R1.C62.T1 P9.R1.C62 Physical Access Control
P9.R1.C63.T1 P9.R1.C63 Physical Access Control
P9.R1.C64.T1 P9.R1.C64 Physical Access Control
P10.R1.C22.T1 P10.R1.C22 System Access Rights
P10.R1.C23.T1 P10.R1.C23 System Access Rights
P10.R1.C24.T1 P10.R1.C24 System Access Rights
P10.R1.C25.T1 P10.R1.C25 System Access Rights
P10.R1.C26.T1 P10.R1.C26 System Access Rights
P10.R1.C27.T1 P10.R1.C27 System Access Rights
P10.R1.C28.T1 P10.R1.C28 System Access Rights
P10.R1.C29.T1 P10.R1.C29 System Access Rights
P10.R1.C30.T1 P10.R1.C30 System Access Rights
P10.R1.C31.T1 P10.R1.C31 System Access Rights
P10.R1.C32.T1 P10.R1.C32 System Access Rights
P10.R1.C33.T1 P10.R1.C33 System Access Rights
P10.R1.C34.T1 P10.R1.C34 System Access Rights
P10.R1.C35.T1 P10.R1.C35 System Access Rights
P10.R1.C36.T1 P10.R1.C36 System Access Rights
P10.R1.C37.T1 P10.R1.C37 System Access Rights
P10.R1.C38.T1 P10.R1.C38 System Access Rights
P10.R1.C39.T1 P10.R1.C39 System Access Rights
P14.R1.C2.T1 P14.R1.C2 Management Information System
P14.R2.C3.T1 P14.R2.C3 Management Information System
P14.R2.C4.T1 P14.R2.C4 Management Information System
P14.R2.C5.T1 P14.R2.C5 Management Information System
P14.R2.C6.T1 P14.R2.C6 Management Information System
P11.R1.C29.T1 P11.R1.C29 Organizational Structure, Procedures & Job
P11.R1.C30.T1 P11.R1.C30 Organizational Structure, Procedures & Job
P11.R1.C31.T1 P11.R1.C31 Organizational Structure, Procedures & Job
P11.R1.C32.T1 P11.R1.C32 Organizational Structure, Procedures & Job
P11.R1.C33.T1 P11.R1.C33 Organizational Structure, Procedures & Job
P11.R1.C34.T1 P11.R1.C34 Organizational Structure, Procedures & Job
P11.R1.C35.T1 P11.R1.C35 Organizational Structure, Procedures & Job
P11.R1.C36.T1 P11.R1.C36 Organizational Structure, Procedures & Job
P11.R1.C37.T1 P11.R1.C37 Organizational Structure, Procedures & Job
P11.R1.C38.T1 P11.R1.C38 Organizational Structure, Procedures & Job
P11.R1.C39.T1 P11.R1.C39 Organizational Structure, Procedures & Job
P11.R1.C40.T1 P11.R1.C40 Organizational Structure, Procedures & Job
P13.R1.C4.T1 P13.R1.C4 Staffing & back-up arrangements
P13.R1.C5.T1 P13.R1.C5 Staffing & back-up arrangements
P13.R1.C6.T1 P13.R1.C6 Staffing & back-up arrangements
P13.R1.C7.T1 P13.R1.C7 Staffing & back-up arrangements
P13.R1.C8.T1 P13.R1.C8 Staffing & back-up arrangements
P22.R1.C1.T1 P22.R1.C1 Suspense and Sundry Account Monitoring
P22.R1.C2.T1 P22.R1.C2 Suspense and Sundry Account Monitoring
P22.R1.C3.T1 P22.R1.C3 Suspense and Sundry Account Monitoring
P22.R1.C4.T1 P22.R1.C4 Suspense and Sundry Account Monitoring
P22.R1.C5.T1 P22.R1.C5 Suspense and Sundry Account Monitoring
P4.R4.C1.T1 P4.R4.C1 Remittances
P4.R4.C2.T1 P4.R4.C2 Remittances
P4.R4.C3.T1 P4.R4.C3 Remittances
P4.R4.C4.T1 P4.R4.C4 Remittances
P4.R4.C5.T1 P4.R4.C5 Remittances
P4.R4.C6.T1 P4.R4.C6 Remittances
P4.R4.C7.T1 P4.R4.C7 Remittances
P4.R4.C8.T1 P4.R4.C8 Remittances
P4.R4.C9.T1 P4.R4.C9 Remittances
P4.R4.C10.T1 P4.R4.C10 Remittances
P4.R4.C11.T1 P4.R4.C11 Remittances
P4.R4.C12.T1 P4.R4.C12 Remittances
P4.R4.C13.T1 P4.R4.C13 Remittances
P4.R4.C14.T1 P4.R4.C14 Remittances
P4.R4.C15.T1 P4.R4.C15 Remittances
P4.R4.C16.T1 P4.R4.C16 Remittances
P4.R4.C17.T1 P4.R4.C17 Remittances
P4.R4.C18.T1 P4.R4.C18 Remittances
P4.R4.C19.T1 P4.R4.C19 Remittances
P4.R4.C20.T1 P4.R4.C20 Remittances
P4.R4.C21.T1 P4.R4.C21 Remittances
P4.R4.C22.T1 P4.R4.C22 Remittances
P4.R4.C23.T1 P4.R4.C23 Remittances
P4.R4.C24.T1 P4.R4.C24 Remittances
P4.R4.C25.T1 P4.R4.C25 Remittances
P4.R4.C26.T1 P4.R4.C26 Remittances
P4.R4.C27.T1 P4.R4.C27 Remittances
P4.R4.C28.T1 P4.R4.C28 Remittances
P4.R4.C29.T1 P4.R4.C29 Remittances
P4.R4.C30.T1 P4.R4.C30 Remittances
P4.R4.C31.T1 P4.R4.C31 Remittances
P4.R4.C32.T1 P4.R4.C32 Remittances
P4.R4.C33.T1 P4.R4.C33 Remittances
P4.R4.C34.T1 P4.R4.C34 Remittances
P4.R4.C35.T1 P4.R4.C35 Remittances
P4.R4.C36.T1 P4.R4.C36 Remittances
P4.R4.C37.T1 P4.R4.C37 Remittances
P4.R4.C38.T1 P4.R4.C38 Remittances
P4.R4.C39.T1 P4.R4.C39 Remittances
P4.R4.C40.T1 P4.R4.C40 Remittances
P4.R4.C41.T1 P4.R4.C41 Remittances
P4.R4.C42.T1 P4.R4.C42 Remittances
P4.R4.C43.T1 P4.R4.C43 Remittances
P4.R4.C44.T1 P4.R4.C44 Remittances
P4.R4.C45.T1 P4.R4.C45 Remittances
P4.R4.C46.T1 P4.R4.C46 Remittances
P4.R4.C47.T1 P4.R4.C47 Remittances
P4.R4.C48.T1 P4.R4.C48 Remittances
P4.R4.C49.T1 P4.R4.C49 Remittances
P4.R4.C50.T1 P4.R4.C50 Remittances
P4.R4.C51.T1 P4.R4.C51 Remittances
P4.R4.C52.T1 P4.R4.C52 Remittances
P4.R4.C53.T1 P4.R4.C53 Remittances
P4.R4.C54.T1 P4.R4.C54 Remittances
P4.R4.C55.T1 P4.R4.C55 Remittances
P4.R4.C56.T1 P4.R4.C56 Remittances
P4.R4.C57.T1 P4.R4.C57 Remittances
P4.R4.C58.T1 P4.R4.C58 Remittances
P4.R4.C59.T1 P4.R4.C59 Remittances
P4.R4.C60.T1 P4.R4.C60 Remittances
P4.R4.C61.T1 P4.R4.C61 Remittances
P4.R4.C62.T1 P4.R4.C62 Remittances
P4.R4.C63.T1 P4.R4.C63 Remittances
P4.R4.C64.T1 P4.R4.C64 Remittances
P4.R4.C65.T1 P4.R4.C65 Remittances
P4.R4.C66.T1 P4.R4.C66 Remittances
P4.R4.C67.T1 P4.R4.C67 Remittances
P4.R4.C68.T1 P4.R4.C68 Remittances
P4.R4.C69.T1 P4.R4.C69 Remittances
P4.R4.C70.T1 P4.R4.C70 Remittances
P4.R4.C71.T1 P4.R4.C71 Remittances
P4.R4.C72.T1 P4.R4.C72 Remittances
P4.R4.C73.T1 P4.R4.C73 Remittances
P4.R4.C74.T1 P4.R4.C74 Remittances
P4.R4.C75.T1 P4.R4.C75 Remittances
P4.R4.C76.T1 P4.R4.C76 Remittances
P4.R4.C77.T1 P4.R4.C77 Remittances
P4.R4.C78.T1 P4.R4.C78 Remittances
P4.R4.C79.T1 P4.R4.C79 Remittances
P4.R4.C80.T1 P4.R4.C80 Remittances
P4.R4.C81.T1 P4.R4.C81 Remittances
P4.R4.C82.T1 P4.R4.C82 Remittances
P4.R4.C83.T1 P4.R4.C83 Remittances
P4.R4.C84.T1 P4.R4.C84 Remittances
P4.R4.C85.T1 P4.R4.C85 Remittances
P4.R4.C86.T1 P4.R4.C86 Remittances
P4.R4.C87.T1 P4.R4.C87 Remittances
P4.R4.C88.T1 P4.R4.C88 Remittances
P4.R4.C89.T1 P4.R4.C89 Remittances
P4.R4.C90.T1 P4.R4.C90 Remittances
P4.R4.C91.T1 P4.R4.C91 Remittances
P4.R4.C92.T1 P4.R4.C92 Remittances
P4.R4.C93.T1 P4.R4.C93 Remittances
P4.R4.C94.T1 P4.R4.C94 Remittances
P4.R4.C95.T1 P4.R4.C95 Remittances
P4.R4.C96.T1 P4.R4.C96 Remittances
P4.R4.C97.T1 P4.R4.C97 Remittances
P4.R4.C98.T1 P4.R4.C98 Remittances
P4.R4.C99.T1 P4.R4.C99 Remittances
P4.R4.C100.T1 P4.R4.C100 Remittances
P4.R4.C101.T1 P4.R4.C101 Remittances
P4.R4.C102.T1 P4.R4.C102 Remittances
P4.R4.C103.T1 P4.R4.C103 Remittances
P4.R4.C104.T1 P4.R4.C104 Remittances
P4.R4.C105.T1 P4.R4.C105 Remittances
P4.R4.C106.T1 P4.R4.C106 Remittances
P4.R4.C107.T1 P4.R4.C107 Remittances
P4.R4.C108.T1 P4.R4.C108 Remittances
P23.R1.C1.T1 P23.R1.C1 Withholding Tax
P23.R1.C2.T1 P23.R1.C2 Withholding Tax
P23.R1.C3.T1 P23.R1.C3 Withholding Tax
P23.R1.C4.T1 P23.R1.C4 Withholding Tax
P23.R1.C5.T1 P23.R1.C5 Withholding Tax
P23.R1.C6.T1 P23.R1.C6 Withholding Tax
P23.R1.C7.T1 P23.R1.C7 Withholding Tax
P23.R1.C8.T1 P23.R1.C8 Withholding Tax
P23.R1.C9.T1 P23.R1.C9 Withholding Tax
P23.R1.C10.T1 P23.R1.C10 Withholding Tax
P23.R1.C11.T1 P23.R1.C11 Withholding Tax
P23.R1.C12.T1 P23.R1.C12 Withholding Tax
P23.R1.C13.T1 P23.R1.C13 Withholding Tax
P24.R1.C1.T1 P24.R1.C1 Control Environment Assessment
P24.R1.C2.T1 P24.R1.C2 Control Environment Assessment
P24.R1.C3.T1 P24.R1.C3 Control Environment Assessment
P24.R1.C4.T1 P24.R1.C4 Control Environment Assessment
P24.R1.C5.T1 P24.R1.C5 Control Environment Assessment
P24.R1.C6.T1 P24.R1.C6 Control Environment Assessment
P24.R1.C7.T1 P24.R1.C7 Control Environment Assessment
P24.R1.C8.T1 P24.R1.C8 Control Environment Assessment
P25.R1.C1.T1 P25.R1.C1 Letter of Credit
P25.R1.C2.T1 P25.R1.C2 Letter of Credit
P25.R1.C3.T1 P25.R1.C3 Letter of Credit
P25.R1.C4.T1 P25.R1.C4 Letter of Credit
P25.R1.C5.T1 P25.R1.C5 Letter of Credit
P25.R1.C6.T1 P25.R1.C6 Letter of Credit
P25.R1.C7.T1 P25.R1.C7 Letter of Credit
P25.R1.C8.T1 P25.R1.C8 Letter of Credit
P25.R1.C9.T1 P25.R1.C9 Letter of Credit
P25.R1.C10.T1 P25.R1.C10 Letter of Credit
P25.R1.C11.T1 P25.R1.C11 Letter of Credit
P25.R1.C12.T1 P25.R1.C12 Letter of Credit
P25.R1.C13.T1 P25.R1.C13 Letter of Credit
P25.R1.C14.T1 P25.R1.C14 Letter of Credit
P25.R1.C15.T1 P25.R1.C15 Letter of Credit
P25.R1.C16.T1 P25.R1.C16 Letter of Credit
P25.R1.C17.T1 P25.R1.C17 Letter of Credit
P25.R1.C18.T1 P25.R1.C18 Letter of Credit
P25.R1.C19.T1 P25.R1.C19 Letter of Credit
P25.R1.C20.T1 P25.R1.C20 Letter of Credit
P25.R1.C21.T1 P25.R1.C21 Letter of Credit
P25.R1.C22.T1 P25.R1.C22 Letter of Credit
P25.R1.C23.T1 P25.R1.C23 Letter of Credit
P25.R1.C24.T1 P25.R1.C24 Letter of Credit
P25.R1.C25.T1 P25.R1.C25 Letter of Credit
P25.R1.C26.T1 P25.R1.C26 Letter of Credit
P25.R1.C27.T1 P25.R1.C27 Letter of Credit
P25.R1.C28.T1 P25.R1.C28 Letter of Credit
P25.R1.C29.T1 P25.R1.C29 Letter of Credit
P25.R1.C30.T1 P25.R1.C30 Letter of Credit
P25.R1.C31.T1 P25.R1.C31 Letter of Credit
P25.R1.C32.T1 P25.R1.C32 Letter of Credit
P25.R1.C33.T1 P25.R1.C33 Letter of Credit
P25.R1.C34.T1 P25.R1.C34 Letter of Credit
P26.R1.C1.T1 P26.R1.C1 Import Bill drawn under LC
P26.R1.C2.T1 P26.R1.C2 Import Bill drawn under LC
P26.R1.C3.T1 P26.R1.C3 Import Bill drawn under LC
P26.R1.C4.T1 P26.R1.C4 Import Bill drawn under LC
P26.R1.C5.T1 P26.R1.C5 Import Bill drawn under LC
P26.R1.C6.T1 P26.R1.C6 Import Bill drawn under LC
P26.R1.C7.T1 P26.R1.C7 Import Bill drawn under LC
P26.R1.C8.T1 P26.R1.C8 Import Bill drawn under LC
P26.R1.C9.T1 P26.R1.C9 Import Bill drawn under LC
P26.R1.C10.T1 P26.R1.C10 Import Bill drawn under LC
P26.R1.C11.T1 P26.R1.C11 Import Bill drawn under LC
P26.R1.C12.T1 P26.R1.C12 Import Bill drawn under LC
P26.R1.C13.T1 P26.R1.C13 Import Bill drawn under LC
P26.R1.C14.T1 P26.R1.C14 Import Bill drawn under LC
P27.R1.C1.T1 P27.R1.C1 Advance Payment For Import
P27.R1.C2.T1 P27.R1.C2 Advance Payment For Import
P27.R1.C3.T1 P27.R1.C3 Advance Payment For Import
P27.R1.C4.T1 P27.R1.C4 Advance Payment For Import
P27.R1.C5.T1 P27.R1.C5 Advance Payment For Import
P27.R1.C6.T1 P27.R1.C6 Advance Payment For Import
P27.R1.C7.T1 P27.R1.C7 Advance Payment For Import
P27.R1.C8.T1 P27.R1.C8 Advance Payment For Import
P27.R1.C9.T1 P27.R1.C9 Advance Payment For Import
P27.R1.C10.T1 P27.R1.C10 Advance Payment For Import
P27.R1.C11.T1 P27.R1.C11 Advance Payment For Import
P27.R1.C12.T1 P27.R1.C12 Advance Payment For Import
P27.R1.C13.T1 P27.R1.C13 Advance Payment For Import
P27.R1.C14.T1 P27.R1.C14 Advance Payment For Import
P28.R1.C1.T1 P28.R1.C1 Open Account Payment
P28.R1.C2.T1 P28.R1.C2 Open Account Payment
P28.R1.C3.T1 P28.R1.C3 Open Account Payment
P28.R1.C4.T1 P28.R1.C4 Open Account Payment
P28.R1.C5.T1 P28.R1.C5 Open Account Payment
P28.R1.C6.T1 P28.R1.C6 Open Account Payment
P28.R1.C7.T1 P28.R1.C7 Open Account Payment
P28.R1.C8.T1 P28.R1.C8 Open Account Payment
P28.R1.C9.T1 P28.R1.C9 Open Account Payment
P29.R1.C1.T1 P29.R1.C1 Registration for Import contract
P29.R1.C2.T1 P29.R1.C2 Registration for Import contract
P29.R1.C3.T1 P29.R1.C3 Registration for Import contract
P29.R1.C4.T1 P29.R1.C4 Registration for Import contract
P29.R1.C5.T1 P29.R1.C5 Registration for Import contract
P29.R1.C6.T1 P29.R1.C6 Registration for Import contract
P29.R1.C7.T1 P29.R1.C7 Registration for Import contract
P29.R1.C8.T1 P29.R1.C8 Registration for Import contract
P29.R1.C9.T1 P29.R1.C9 Registration for Import contract
P29.R1.C10.T1 P29.R1.C10 Registration for Import contract
P29.R1.C11.T1 P29.R1.C11 Registration for Import contract
P29.R1.C12.T1 P29.R1.C12 Registration for Import contract
P29.R1.C13.T1 P29.R1.C13 Registration for Import contract
P29.R1.C14.T1 P29.R1.C14 Registration for Import contract
P30.R1.C1.T1 P30.R1.C1 Shipping Guarantee
P30.R1.C2.T1 P30.R1.C2 Shipping Guarantee
P30.R1.C3.T1 P30.R1.C3 Shipping Guarantee
P30.R1.C4.T1 P30.R1.C4 Shipping Guarantee
P30.R1.C5.T1 P30.R1.C5 Shipping Guarantee
P30.R1.C6.T1 P30.R1.C6 Shipping Guarantee
P30.R1.C7.T1 P30.R1.C7 Shipping Guarantee
P30.R1.C8.T1 P30.R1.C8 Shipping Guarantee
P30.R1.C9.T1 P30.R1.C9 Shipping Guarantee
P30.R1.C10.T1 P30.R1.C10 Shipping Guarantee
P30.R1.C11.T1 P30.R1.C11 Shipping Guarantee
P30.R1.C12.T1 P30.R1.C12 Shipping Guarantee
P30.R1.C13.T1 P30.R1.C13 Shipping Guarantee
P30.R1.C14.T1 P30.R1.C14 Shipping Guarantee
P30.R1.C15.T1 P30.R1.C15 Shipping Guarantee
P30.R1.C16.T1 P30.R1.C16 Shipping Guarantee
P31.R1.C1.T1 P31.R1.C1 Bank Guarantee
P31.R1.C2.T1 P31.R1.C2 Bank Guarantee
P31.R1.C3.T1 P31.R1.C3 Bank Guarantee
P31.R1.C4.T1 P31.R1.C4 Bank Guarantee
P31.R1.C5.T1 P31.R1.C5 Bank Guarantee
P31.R1.C6.T1 P31.R1.C6 Bank Guarantee
P31.R1.C7.T1 P31.R1.C7 Bank Guarantee
P31.R1.C8.T1 P31.R1.C8 Bank Guarantee
P31.R1.C9.T1 P31.R1.C9 Bank Guarantee
P31.R1.C10.T1 P31.R1.C10 Bank Guarantee
P31.R1.C11.T1 P31.R1.C11 Bank Guarantee
P31.R1.C12.T1 P31.R1.C12 Bank Guarantee
P31.R1.C13.T1 P31.R1.C13 Bank Guarantee
P31.R1.C14.T1 P31.R1.C14 Bank Guarantee
P32.R1.C1.T1 P32.R1.C1 Export Bills (Negotiation)
P32.R1.C2.T1 P32.R1.C2 Export Bills (Negotiation)
P32.R1.C3.T1 P32.R1.C3 Export Bills (Negotiation)
P32.R1.C4.T1 P32.R1.C4 Export Bills (Negotiation)
P32.R1.C5.T1 P32.R1.C5 Export Bills (Negotiation)
P32.R1.C6.T1 P32.R1.C6 Export Bills (Negotiation)
P32.R1.C7.T1 P32.R1.C7 Export Bills (Negotiation)
P32.R1.C8.T1 P32.R1.C8 Export Bills (Negotiation)
P32.R1.C9.T1 P32.R1.C9 Export Bills (Negotiation)
P32.R1.C10.T1 P32.R1.C10 Export Bills (Negotiation)
P32.R1.C11.T1 P32.R1.C11 Export Bills (Negotiation)
P32.R1.C12.T1 P32.R1.C12 Export Bills (Negotiation)
P32.R1.C13.T1 P32.R1.C13 Export Bills (Negotiation)
P32.R1.C14.T1 P32.R1.C14 Export Bills (Negotiation)
P32.R1.C15.T1 P32.R1.C15 Export Bills (Negotiation)
P32.R1.C16.T1 P32.R1.C16 Export Bills (Negotiation)
P32.R1.C17.T1 P32.R1.C17 Export Bills (Negotiation)
P32.R1.C18.T1 P32.R1.C18 Export Bills (Negotiation)
P32.R1.C19.T1 P32.R1.C19 Export Bills (Negotiation)
P32.R1.C20.T1 P32.R1.C20 Export Bills (Negotiation)
P32.R1.C21.T1 P32.R1.C21 Export Bills (Negotiation)
P32.R1.C22.T1 P32.R1.C22 Export Bills (Negotiation)
P32.R1.C23.T1 P32.R1.C23 Export Bills (Negotiation)
P32.R1.C24.T1 P32.R1.C24 Export Bills (Negotiation)
P32.R1.C25.T1 P32.R1.C25 Export Bills (Negotiation)
P32.R1.C26.T1 P32.R1.C26 Export Bills (Negotiation)
P32.R1.C27.T1 P32.R1.C27 Export Bills (Negotiation)
P32.R1.C28.T1 P32.R1.C28 Export Bills (Negotiation)
P32.R1.C29.T1 P32.R1.C29 Export Bills (Negotiation)
P32.R1.C30.T1 P32.R1.C30 Export Bills (Negotiation)
P32.R1.C31.T1 P32.R1.C31 Export Bills (Negotiation)
P32.R1.C32.T1 P32.R1.C32 Export Bills (Negotiation)
P32.R1.C33.T1 P32.R1.C33 Export Bills (Negotiation)
P32.R1.C34.T1 P32.R1.C34 Export Bills (Negotiation)
P32.R1.C35.T1 P32.R1.C35 Export Bills (Negotiation)
P33.R1.C1.T1 P33.R1.C1 Export Collection
P33.R1.C2.T1 P33.R1.C2 Export Collection
P33.R1.C3.T1 P33.R1.C3 Export Collection
P33.R1.C4.T1 P33.R1.C4 Export Collection
P33.R1.C5.T1 P33.R1.C5 Export Collection
P33.R1.C6.T1 P33.R1.C6 Export Collection
P33.R1.C7.T1 P33.R1.C7 Export Collection
P33.R1.C8.T1 P33.R1.C8 Export Collection
P33.R1.C9.T1 P33.R1.C9 Export Collection
P33.R1.C10.T1 P33.R1.C10 Export Collection
P33.R1.C11.T1 P33.R1.C11 Export Collection
P33.R1.C12.T1 P33.R1.C12 Export Collection
P33.R1.C13.T1 P33.R1.C13 Export Collection
P33.R1.C14.T1 P33.R1.C14 Export Collection
P33.R1.C15.T1 P33.R1.C15 Export Collection
P34.R1.C1.T1 P34.R1.C1 Advance Payment Export
P34.R1.C2.T1 P34.R1.C2 Advance Payment Export
P34.R1.C3.T1 P34.R1.C3 Advance Payment Export
P34.R1.C4.T1 P34.R1.C4 Advance Payment Export
P34.R1.C5.T1 P34.R1.C5 Advance Payment Export
P34.R1.C6.T1 P34.R1.C6 Advance Payment Export
P34.R1.C7.T1 P34.R1.C7 Advance Payment Export
P34.R1.C8.T1 P34.R1.C8 Advance Payment Export
P34.R1.C9.T1 P34.R1.C9 Advance Payment Export
P34.R1.C10.T1 P34.R1.C10 Advance Payment Export
P34.R1.C11.T1 P34.R1.C11 Advance Payment Export
P34.R1.C12.T1 P34.R1.C12 Advance Payment Export
P34.R1.C13.T1 P34.R1.C13 Advance Payment Export
P34.R1.C14.T1 P34.R1.C14 Advance Payment Export
P34.R1.C15.T1 P34.R1.C15 Advance Payment Export
P34.R1.C16.T1 P34.R1.C16 Advance Payment Export
P34.R1.C17.T1 P34.R1.C17 Advance Payment Export
P34.R1.C18.T1 P34.R1.C18 Advance Payment Export
P34.R1.C19.T1 P34.R1.C19 Advance Payment Export
P34.R1.C20.T1 P34.R1.C20 Advance Payment Export
P34.R1.C21.T1 P34.R1.C21 Advance Payment Export
P34.R1.C22.T1 P34.R1.C22 Advance Payment Export
P34.R1.C23.T1 P34.R1.C23 Advance Payment Export
P34.R1.C24.T1 P34.R1.C24 Advance Payment Export
P34.R1.C25.T1 P34.R1.C25 Advance Payment Export
P35.R1.C1.T1 P35.R1.C1 Forward Contracts
P35.R1.C2.T1 P35.R1.C2 Forward Contracts
P35.R1.C3.T1 P35.R1.C3 Forward Contracts
P35.R1.C4.T1 P35.R1.C4 Forward Contracts
P35.R1.C5.T1 P35.R1.C5 Forward Contracts
P35.R1.C6.T1 P35.R1.C6 Forward Contracts
P35.R1.C7.T1 P35.R1.C7 Forward Contracts
P35.R1.C8.T1 P35.R1.C8 Forward Contracts
P35.R1.C9.T1 P35.R1.C9 Forward Contracts
P35.R1.C10.T1 P35.R1.C10 Forward Contracts
P35.R1.C11.T1 P35.R1.C11 Forward Contracts
P35.R1.C12.T1 P35.R1.C12 Forward Contracts
P35.R1.C13.T1 P35.R1.C13 Forward Contracts
P35.R1.C14.T1 P35.R1.C14 Forward Contracts
P37.R1.C1.T1 P37.R1.C1 Monthly Balancing
P37.R1.C2.T1 P37.R1.C2 Monthly Balancing
P37.R1.C3.T1 P37.R1.C3 Monthly Balancing
P37.R1.C4.T1 P37.R1.C4 Monthly Balancing
P37.R1.C5.T1 P37.R1.C5 Monthly Balancing
P37.R1.C6.T1 P37.R1.C6 Monthly Balancing
P38.R1.C1.T1 P38.R1.C1 Research & Development
P38.R1.C2.T1 P38.R1.C2 Research & Development
P38.R1.C3.T1 P38.R1.C3 Research & Development
P38.R1.C4.T1 P38.R1.C4 Research & Development
P38.R1.C5.T1 P38.R1.C5 Research & Development
P39.R1.C1.T1 P39.R1.C1 Withholding Tax on Export & EDS
P39.R1.C2.T1 P39.R1.C2 Withholding Tax on Export & EDS
P39.R1.C3.T1 P39.R1.C3 Withholding Tax on Export & EDS
P39.R1.C4.T1 P39.R1.C4 Withholding Tax on Export & EDS
P40.R1.C1.T1 P40.R1.C1 General Record Keeping
P40.R1.C2.T1 P40.R1.C2 General Record Keeping
P40.R1.C3.T1 P40.R1.C3 General Record Keeping
P40.R1.C4.T1 P40.R1.C4 General Record Keeping
P40.R1.C5.T1 P40.R1.C5 General Record Keeping
P40.R1.C6.T1 P40.R1.C6 General Record Keeping
P40.R1.C7.T1 P40.R1.C7 General Record Keeping
P40.R1.C8.T1 P40.R1.C8 General Record Keeping
P40.R1.C9.T1 P40.R1.C9 General Record Keeping
P41.R1.C1.T1 P41.R1.C1 Trade Base Money Laundering
P41.R1.C2.T1 P41.R1.C2 Trade Base Money Laundering
P41.R1.C3.T1 P41.R1.C3 Trade Base Money Laundering
P41.R1.C4.T1 P41.R1.C4 Trade Base Money Laundering
P41.R1.C5.T1 P41.R1.C5 Trade Base Money Laundering
P41.R1.C6.T1 P41.R1.C6 Trade Base Money Laundering
P41.R1.C7.T1 P41.R1.C7 Trade Base Money Laundering
P41.R1.C8.T1 P41.R1.C8 Trade Base Money Laundering
P41.R1.C9.T1 P41.R1.C9 Trade Base Money Laundering
P41.R1.C10.T1 P41.R1.C10 Trade Base Money Laundering
P41.R1.C11.T1 P41.R1.C11 Trade Base Money Laundering
P41.R1.C12.T1 P41.R1.C12 Trade Base Money Laundering
P41.R1.C13.T1 P41.R1.C13 Trade Base Money Laundering
P41.R1.C14.T1 P41.R1.C14 Trade Base Money Laundering
P41.R1.C15.T1 P41.R1.C15 Trade Base Money Laundering
P41.R1.C16.T1 P41.R1.C16 Trade Base Money Laundering
P41.R1.C17.T1 P41.R1.C17 Trade Base Money Laundering
P41.R1.C18.T1 P41.R1.C18 Trade Base Money Laundering
P41.R1.C19.T1 P41.R1.C19 Trade Base Money Laundering
P41.R1.C20.T1 P41.R1.C20 Trade Base Money Laundering
P41.R1.C21.T1 P41.R1.C21 Trade Base Money Laundering
P41.R1.C22.T1 P41.R1.C22 Trade Base Money Laundering
P41.R1.C23.T1 P41.R1.C23 Trade Base Money Laundering
P41.R1.C24.T1 P41.R1.C24 Trade Base Money Laundering
P41.R1.C25.T1 P41.R1.C25 Trade Base Money Laundering
P41.R1.C26.T1 P41.R1.C26 Trade Base Money Laundering
P41.R1.C27.T1 P41.R1.C27 Trade Base Money Laundering
P41.R1.C28.T1 P41.R1.C28 Trade Base Money Laundering
P41.R1.C29.T1 P41.R1.C29 Trade Base Money Laundering
P41.R1.C30.T1 P41.R1.C30 Trade Base Money Laundering
P41.R1.C31.T1 P41.R1.C31 Trade Base Money Laundering
P41.R1.C32.T1 P41.R1.C32 Trade Base Money Laundering
P41.R1.C33.T1 P41.R1.C33 Trade Base Money Laundering
P41.R1.C34.T1 P41.R1.C34 Trade Base Money Laundering
P41.R1.C35.T1 P41.R1.C35 Trade Base Money Laundering
P42.R1.C1.T1 P42.R1.C1 Proliferation Financing
P42.R1.C2.T1 P42.R1.C2 Proliferation Financing
P42.R1.C3.T1 P42.R1.C3 Proliferation Financing
P42.R1.C4.T1 P42.R1.C4 Proliferation Financing
P42.R1.C5.T1 P42.R1.C5 Proliferation Financing
P42.R1.C6.T1 P42.R1.C6 Proliferation Financing
P42.R1.C7.T1 P42.R1.C7 Proliferation Financing
P42.R1.C8.T1 P42.R1.C8 Proliferation Financing
P42.R1.C9.T1 P42.R1.C9 Proliferation Financing
P42.R1.C10.T1 P42.R1.C10 Proliferation Financing
P42.R1.C11.T1 P42.R1.C11 Proliferation Financing
P42.R1.C12.T1 P42.R1.C12 Proliferation Financing
P42.R1.C13.T1 P42.R1.C13 Proliferation Financing
P42.R1.C14.T1 P42.R1.C14 Proliferation Financing
P42.R1.C15.T1 P42.R1.C15 Proliferation Financing
P42.R1.C16.T1 P42.R1.C16 Proliferation Financing
P42.R1.C17.T1 P42.R1.C17 Proliferation Financing
P42.R1.C18.T1 P42.R1.C18 Proliferation Financing
P42.R1.C19.T1 P42.R1.C19 Proliferation Financing
P42.R1.C20.T1 P42.R1.C20 Proliferation Financing
Risk Name KYC Control Name
Breach of banks’ policies or regulatory guideli Check branch carried out (EDD) enhanced due diligence process of increased ris
Breach of banks’ policies or regulatory guideli Are CAAML and AML & CFT regulations fol
Breach of banks’ policies or regulatory guideli Are necessary approvals for increased ri
Breach of banks’ policies or regulatory guideli Does branch carry out proper due diligen
Breach of banks’ policies or regulatory guideli Does the staff reassess the risk of the client on a regular basis, at least once in a
Breach of banks’ policies or regulatory guideli Check transactional volume, amount matc
Breach of banks’ policies or regulatory guideli Check that risk classification of accounts
Breach of banks’ policies or regulatory guideli Are the exchange company accounts catego
Breach of banks’ policies or regulatory guideli Are the branches closely monitoring all a
Breach of banks’ policies or regulatory guideli Ensure that third party mandate in respect
Breach of banks’ policies or regulatory guideli Ensure that Interview of customer with B
Breach of banks’ policies or regulatory guideli Check EDR conducted in case of transactio
Breach of banks’ policies or regulatory guideli Check copy of Account opening form and t
Breach of banks’ policies or regulatory guideli Check individual accounts opened for bus
Breach of banks’ policies or regulatory guideli Test that key features of the Customer R
Breach of banks’ policies or regulatory guideli Check Initial deposit receipt is issued wi
Breach of banks’ policies or regulatory guideli Check CAPSs / Siebel IDs are given to sta
Breach of banks’ policies or regulatory guideli Ensure that RM is capturing the CRF data
Breach of banks’ policies or regulatory guideli Check that RM or designated officer get t
Breach of banks’ policies or regulatory guideli Ensure that after positive verification t
Breach of banks’ policies or regulatory guideli Check documents such as passport, copy al
Breach of banks’ policies or regulatory guideli Check Biometric verification is done for a
Breach of banks’ policies or regulatory guideli RM/RO enter preliminary data only and ge
Breach of banks’ policies or regulatory guideli Check TAN handed over to potential custo
Breach of banks’ policies or regulatory guideli Check branch RM maintains a list/MIS of a
Breach of banks’ policies or regulatory guideli Check Individual, Joint and Sole proprie
Breach of banks’ policies or regulatory guideli Check the data is captured on CAPS and
Breach of banks’ policies or regulatory guideli Ensure that Asaan Account and BBA accoun
Breach of banks’ policies or regulatory guideli Check does branch follow and complete t
Breach of banks’ policies or regulatory guideli In order to provide visually impaired/ bli
Breach of banks’ policies or regulatory guideli Are next Turnover
Monthly review dates of increased,
Monitoring Reportneutra
– PDN/Neutral/IR & PEP:
Breach of banks’ policies or regulatory guideli Ensure that Event Driven Review (EDR) of all accounts appearing in "Monthly Tur
Breach of banks’ policies or regulatory guideli Does branch staff maintain MIS in separa
Breach of banks’ policies or regulatory guideli Does branch staff generate and review "P
Breach of banks’ policies or regulatory guideli Does the branch staff extract the report
Breach of banks’ policies or regulatory guideli Does the branch staff extract the report
Breach of banks’ policies or regulatory guideli Check individual accounts where, average
Breach of banks’ policies or regulatory guideli Check that expected monthly debit/credit
Breach of banks’ policies or regulatory guideli Check BM checks and reconciles copy of C
Breach of banks’ policies or regulatory guideli Check accounts having predefined neutral
Breach of banks’ policies or regulatory guideli Does staff conduct the physical verificatio
Breach of banks’ policies or regulatory guideli Check branch staff maintains data of acc
Breach of banks’ policies or regulatory guideli Check monthly turnover in Assan Accounts
Breach of banks’ policies or regulatory guideli Check non-resident accounts are opened af
Breach of banks’ policies or regulatory guideli Check branch staff extracts the daily act
Breach of banks’ policies or regulatory guideli Check nature/classification of business/p
Breach of banks’ policies or regulatory guideli Check
Dormantbranch does not retain other docu
Accounts
Accounts are opened for fraudulent purpose Check reactivations rights of dormant account in system are restricted to authoriz
Accounts are opened for fraudulent purpose Check status of dormant to activeaccount i
Accounts are opened for fraudulent purpose Ensure that reactivation of account is do
Accounts are opened for fraudulent purpose Ensure that customer signatures are verif
Accounts are opened for fraudulent purpose In cases, where customer could not visit
Accounts are opened for fraudulent purpose Ensure that Bio
c. Customers Metrics
whose is also
eligible required
identity fo
documents are other than biometrically verifi
Accounts are opened for fraudulent purpose d. Customer’s permanent physical disability, e.g. limbs disability, uneven texture/
Accounts are opened for fraudulent purpose Ensure that at the time of activation of
Accounts are opened for fraudulent purpose Ensure that the account holder must bring
Accounts are opened for fraudulent purpose Check statement of account for the perio
Accounts are opened for fraudulent purpose In case activation of a Company account
Accounts are opened for fraudulent purpose Check inthat
Ensure case of company
dormant account
activation the bra
report/Account Status Change report is generated
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose Check Review of all Dormant Accounts on
Accounts are opened for fraudulent purpose Check that duplicate statement of accoun
Accounts are opened for fraudulent purpose Ensure that Service charges (monthly cha
Accounts are opened for fraudulent purpose Ensure where dormant account is activated
Accounts are opened for fraudulent purpose Check
Life that proceeds
Certificate of inwardCertificate
& No-Marriage foreign re
Accounts are opened for fraudulent purpose Ensure to
Letters that certificates received from pensioners would be valid for six months fro
Customers
Accounts are opened for fraudulent purpose Ensure
To ensurethatthat
upon
thereceiving the expiry
branch intimates thereport / Expiry
pension Certificate
authority throughMIS from CPU,
a letter br
if it fails
Accounts are opened for fraudulent purpose Dormancy
Accounts are opened for fraudulent purpose Check
Ensureinthat
case of certificate
after six monthsofif pensioner expired
no transactions in and not received
the account after out
is carried 6 months
the ac
Accounts are opened for fraudulent purpose Deceased Pensioner’s Accounts
Accounts are opened for fraudulent purpose Upon receipt of notification from account Office or from any other reliable source t
Accounts are opened for fraudulent purpose death ofpension,
Check in case of Family the pensioner t
the pensioner’s account will be closed and a ne
Accounts are opened for fraudulent purpose Surrender of Undrawn Pension
Accounts are opened for fraudulent purpose Does the respective ROM ensure that branches have surrendered undrawn pens
Accounts are opened for fraudulent purpose Ensure that receiving copy of submitted l
Accounts are opened for fraudulent purpose Check whether branch allowed the debit tra
Accounts are opened for fraudulent purpose Check automated system is used for credi
Accounts are opened for fraudulent purpose Check pensioners should be advised thro
Accounts are opened for fraudulent purpose Check a list of those pensioners is provid
Accounts are opened for fraudulent purpose Check respective main branches will extra
Accounts are opened for fraudulent purpose The report to be sent to the concerned G
Accounts are opened for fraudulent purpose Are the
CNIC Main Follow-Ups
Expiry branches regularly contact w
Accounts are opened for fraudulent purpose Check upon receipt of MIS (Excel) from AMU of all expired CNIC/NICOPs the Bra
Accounts are opened for fraudulent purpose Check branch makes efforts to obtain upd
Accounts are opened for fraudulent purpose Are dormant
Accounts Special
Closure dueConvertible Rupee Ac
to Nil Balance
Accounts are opened for fraudulent purpose Check at the first week of each month, branches extract the report of Negative ba
Accounts are opened for fraudulent purpose Check a written notice is served (Annexur
Accounts are opened for fraudulent purpose Check in the
Negative said notice it is to be clearl
Balances
Accounts are opened for fraudulent purpose Check what
Account efforts are made by branch for recovery of negative balances on the
Closing
Accounts are opened for fraudulent purpose Check before account closures accrued profit on Saving accounts are passed-on
Accounts are opened for fraudulent purpose Obtain system's generated account Closure
Accounts are opened for fraudulent purpose To check
Minor account closing request be time
Accounts
Accounts are opened for fraudulent purpose Ensure that the minor account holders age is recorded in a separate register
Accounts are opened for fraudulent purpose Ensure that minor accounts are exempted
Accounts are opened for fraudulent purpose Are the guardians still operating the ac
Accounts are opened for fraudulent purpose The branch / CPU send the letter to the gu
Accounts are opened for fraudulent purpose Check that cheque books are issued to th
Accounts are opened for fraudulent purpose Check inthat the the
case account
minorclosing form jointl
who attained the age of majority does not want to contin
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose To check that minor date of birth is captu
Accounts are opened for fraudulent purpose Check the accounts opened with other then
Accounts are opened for fraudulent purpose Ensure that if minor account is opened wit
Zakat Exemption
Accounts are opened for fraudulent purpose Check CZ-50 should be machine time stamped at the time of receiving and the co
Accounts are opened for fraudulent purpose Check that CZ-50 accepted from sole propr
Accounts are opened for fraudulent purpose Check that CZ-50 accepted from existing c
Check if branch has accepted fresh CZ-50 during the period of 1st Shaban till 30t
Accounts are opened for fraudulent purpose
Accounts are opened for fraudulent purpose Check branch BSM or his/her backup must
Accounts are opened for fraudulent purpose Check branch
Student / WidowBSM or his/her/ backup
/ Pensioner perfo of Govt. Employees
Salary account
Accounts are opened for fraudulent purpose Check that charges not recovered for non-maintenance of account balance from c
Accounts are opened for fraudulent purpose Check the branch
Mail Returned staff conducted
Undelivered the peri Unknown
/ Whereabouts
Accounts are opened for fraudulent purpose Check every incoming mail/return mail must be entered into incoming mail registe
Accounts are opened for fraudulent purpose Check upon receipt of undelivered state
Accounts are opened for fraudulent purpose Check that if any mail is returned undeli
Accounts are opened for fraudulent purpose Check that accounts flagged with whereabo
Accounts are opened for fraudulent purpose Check that branches extract "Restraint R
Accounts are opened for fraudulent purpose Check that WAU restraint is removed only u
Accounts are opened for fraudulent purpose Check
Restraintbranch maintains MIS for item-wise
Report
Accounts are opened for fraudulent purpose CheckPublic
Initial that branch
Offer (extracts
IPO / Share the restraint report on monthly basis to monitor the ac
Applications).
Accounts are opened for fraudulent purpose Check
Zero that multiple
Balance Accountsapplication for subscription of shares lodged from one accoun
Accounts are opened for fraudulent purpose Check
3) that process
KYC/AML/CFT for monitoring
concerns of zero
that may havebalance accounts
arisen during is followed
account by the mo
/ transaction bra
Accounts are opened for fraudulent purpose 4) Minimum
Vault Operationsbalance as required under Bank’s policy is not maintained.
Theft, loss or misappropriation of valuable it Check on 1st day of branch surprise visit that cash vault was opened before 8:45
Theft, loss or misappropriation of valuable it Check branch opening timing recorded in
Theft, loss or misappropriation of valuable it Check both custodians jointly access the vault.
Theft, loss or misappropriation of valuable it Check that designated BSO & Branch Service Manager/SBSO make necessary
Theft, loss or misappropriation of valuable it Review CCTV Camera & verify designated custodians jointly open / re-lock the sa
Theft, loss or misappropriation of valuable it Observe staff does not use their cell phones during working hours within counter
Theft, loss or misappropriation of valuable it Observe Vault keys are kept locked within custody of designated staff at all times.
Theft, loss or misappropriation of valuable it Check cash vault custodians and back-ups are as per approved policy.
Theft, loss or misappropriation of valuable it Checkfrom
Cash cuttings
Vaulton
& cash
transferregister
to BSOswere authenticated by senior custodians by affixin
Theft, loss or misappropriation of valuable it Check BSM/SBSO
Depositing Cash in transfer
Vault the physical cash to individual BSOs against their req
Theft, loss or misappropriation of valuable it Are the designated
Inter-City BSO of
Transportation and Branch
Excess Service Manager/or his/her backup jointly ac
Cash
Theft, loss or misappropriation of valuable it Check that inter-city cash shipments approved from respective Regional Manage
Theft, loss or misappropriation of valuable it Ensure that cash packed and verified by both custodians in front of CCTV
Theft, loss or misappropriation of valuable it Check that cash custodians ascertain the genuineness of the security guard’s sig
Theft, loss or misappropriation of valuable it Are the shipments
Transportation recorded
of Cash - Where in vault cash register Exists
No Arrangement accordingly?
with Security Company
Theft, loss or misappropriation of valuable it Check that the Branch Service Manager / BSO ensure that no single movement o
Theft, loss or misappropriation of valuable it For sending FCY
Transportation cash to
of Cash to Islamic branches,
Main Branch Frombranches
SBP/NBP operating on symbols- used
(Cash Withdrawal) Whe
Theft, loss or misappropriation of valuable it Check Branch Service Manager or Branch services officer of respective main bra
Theft, loss or misappropriation of valuable it Check staff of Security Company receives the consignment, one person signs on
Theft, loss or misappropriation of valuable it To ensure that branch
Transportation of Cashmaintaining SBP/NBP
from Main Branch accounts reconcile
to SBP/NBP the same on dail
(Cash Deposit)
Theft, loss or misappropriation of valuable it To check that SBP/NBP cash deposit letter is prepared highlighting the denomina
Theft, loss or misappropriation of valuable it Ensure that cash contained in sealed bag handed over to respective security com
Theft, loss or misappropriation of valuable it Check that one of the staff must reach to respective SBP/NBP office to receive th
Theft, loss or misappropriation of valuable it CheckMain/Standalone
From that designated Officer
Branchwhile leaving
to Other Peerthe SBP/NBP’s
Bank counter must ensure
(Cash Deposit)
Theft, loss or misappropriation of valuable it cashBranch
Check that depositService
letter/deposit
Manager slipor(notation “for
in his/her onwardBranch
absence credit toManager
our a/c #send
___
Theft, loss or misappropriation of valuable it
Theft, loss or misappropriation of valuable it Check thatincash
Branches notes sent in the form of packets or bundles with binding duly sig
the City
Theft, loss or misappropriation of valuable it Are respective ROMs arrange
* Items kept in safe custody (bytoother
senddepartments)
above MIS onare
monthly basis
recorded andonaccounted
the SBP pf
Theft, loss or misappropriation of valuable it *Any unclaimed item present in the vault is recorded in the book
Theft, loss or misappropriation of valuable it Check cash is balanced with the sheet pr
Theft, loss or misappropriation of valuable it Check at day end cash closing balance p
Theft, loss or misappropriation of valuable it Check each/ sorted packet of currency not
Theft, loss or misappropriation of valuable it Check cash counting machine / sorting ma
Theft, loss or misappropriation of valuable it Verify branch maintains record of fresh cu
Theft, loss or misappropriation of valuable it Check as a matter of practice branch is
Theft, loss or misappropriation of valuable it In case of Cash Cell, check branch collec
Theft, loss or misappropriation of valuable it Check packets of all denominations shoul
Theft, loss or misappropriation of valuable it Check entrance of cash area only allowed
Theft, loss or misappropriation of valuable it Observe if the teller leaves his working
Theft, loss or misappropriation of valuable it Review deposit settlement account to verif
Theft, loss or misappropriation of valuable it Verify BSM /SBSO change combination pas
Theft, loss or misappropriation of valuable it While physical count check branch is maint
Theft, loss or misappropriation of valuable it Check are the sufficient stock of foreign
Theft, loss or misappropriation of valuable it Are movements of vault keys and combinat
Theft, loss or misappropriation of valuable it Has staff been provided training to asses
Theft, loss or misappropriation of valuable it Cash
Are duplicate
Insurance vault keys and combination
& Transportation
Breach of banks’ policies or regulatory guideli Obtain daily bank position sheets and review cash balances to check insurance c
Breach of banks’ policies or regulatory guideli Is request timely sent to insurance compa
Breach of banks’ policies or regulatory guideli Is cash always transported through bank'
Breach of banks’ policies or regulatory guideli Ensure that cash area always remained l
Breach of banks’ policies or regulatory guideli Is cash kept with teller as per SBP requi
Breach of banks’ policies or regulatory guideli Cash
Review cheques paid during working hours
Operations
Breach of banks’ policies or regulatory guideli Ensure/check closing cash balances maintained as per SBP prescribed format? (
Breach of banks’ policies or regulatory guideli Check whether the currency notes bearing
Breach of banks’ policies or regulatory guideli Ensure cash kept in the vault should be
Breach of banks’ policies or regulatory guideli Are special persons given/provided out of
Breach of banks’ policies or regulatory guideli Is each/ sorted packet of currency notes
Breach of banks’ policies or regulatory guideli Ensure that branches with average daily
Breach of banks’ policies or regulatory guideli Ensure that branch is not crediting cash
Breach of banks’ policies or regulatory guideli Are soiled category currency notes issue
Breach of banks’ policies or regulatory guideli Is branch recovering any charges on accou
Breach of banks’ policies or regulatory guideli Cash
No service
Closingcharges shall be charged from t
Breach of banks’ policies or regulatory guideli To check that total cash shown in the summary should be balanced with the syste
Breach of banks’ policies or regulatory guideli Check that BSM/Head BSO verify the cash
Breach of banks’ policies or regulatory guideli Check that Head BSO/BSO &Branch Service M
Breach of banks’ policies or regulatory guideli Check that vault balancing carried out phys
Breach of banks’ policies or regulatory guideli Cash
checkDifferences
that cash book signed by the Head
Breach of banks’ policies or regulatory guideli To check that Respective Area Operation Manager is informed about the shortage
Breach of banks’ policies or regulatory guideli Check that in cases where overage/shorta
Breach of banks’ policies or regulatory guideli Check that respective Regional Operation M
Breach of banks’ policies or regulatory guideli Ensure that undetected cases of overage/s
Check
Breach of banks’ policies or regulatory guideli CTR that AOM or staff nominated by ROM conduct quarterly surprise i.e. physic
Reporting
Breach of banks’ policies or regulatory guideli Prize
CheckBondscash transactions (deposits and withdrawals) above Rs 2.0 M or equivalen
Breach of banks’ policies or regulatory guideli Take a schedule of prize bond draw, printout of prize bond GL account and compa
Breach of banks’ policies or regulatory guideli Are prize bonds sold/purchased during th
Breach of banks’ policies or regulatory guideli Check branch prepares vouchers for priz
Breach of banks’ policies or regulatory guideli Are prize bonds physically reconciled wit
Breach of banks’ policies or regulatory guideli Check all Prize bond transactions above R
Breach of banks’ policies or regulatory guideli Does branch send the national prize bond
Breach of banks’ policies or regulatory guideli Utility
To checkBillsthat withholding tax is being de
Breach of banks’ policies or regulatory guideli Ensure that before accepting payment teller must ensure that the bill is not tampe
Breach of banks’ policies or regulatory guideli Ensure
Chequethat In case of network / system is
Handling
Theft, loss or misappropriation of valuable ite Select voucher on sample basis & verify deposit slips are validated through cash
Theft, loss or misappropriation of valuable ite Ensure that transactions of Rs 20M and a
Theft, loss or misappropriation of valuable ite Are the customer signature verified by the
Theft, loss or misappropriation of valuable ite Ensure that cheques paid as per the cust
Theft, loss or misappropriation of valuable ite Customer signature on cheques should be
Theft, loss or misappropriation of valuable ite Ensure that details of denomination is me
Theft, loss or misappropriation of valuable ite Are all the cheques carefully scrutinized
Theft, loss or misappropriation of valuable ite Ensure that mutilated cheques should no
Theft, loss or misappropriation of valuable ite Ensure that cash payment against bearer c
Theft, loss or misappropriation of valuable ite To check no Inter Branch FCY Cash depos
Theft, loss or misappropriation of valuable ite Ensure cash payment against a bearer ch
Theft, loss or misappropriation of valuable ite Cheques should be analyzed in ultra violet
Theft, loss or misappropriation of valuable ite The cash against the bearer cheque only r
Theft, loss or misappropriation of valuable ite Check that “Received Cash" stamp date sh
Theft, loss or misappropriation of valuable ite Check that in case of reversal of transact
Theft, loss or misappropriation of valuable ite Ensure vouchers, debit and credit are sign
Theft, loss or misappropriation of valuable ite Check that thumb impressions obtained o
Theft, loss or misappropriation of valuable ite To check that daily generated report i.e.,
Theft, loss or misappropriation of valuable ite Are cash payments over the counter to thi
Theft, loss or misappropriation of valuable ite Ensure In case of online transaction orig
Theft, loss or misappropriation of valuable ite BSM/SBSO shall make a telephonic contact
Theft, loss or misappropriation of valuable ite To check the person confirming the cheque
Theft, loss or misappropriation of valuable ite To check calls back on Deposits/Payments
Theft, loss or misappropriation of valuable ite Ensure online cash transaction charges a
Theft, loss or misappropriation of valuable ite Are all cheques, where signatures cannot b
Theft, loss or misappropriation of valuable ite Is penalty charged on returned cheques i
Theft, loss or misappropriation of valuable ite Ensure no FCY cash deposit / withdrawal
Theft, loss or misappropriation of valuable ite Ensure branch has obtained acquisition sl
Theft, loss or misappropriation of valuable ite Ensure process of cash deposit and with
Theft, loss or misappropriation of valuable ite Is copy of CNIC obtained from occasional
Theft, loss or misappropriation of valuable ite Is originator information obtained along
Theft, loss or misappropriation of valuable ite Ensure ultraviolet lamps are deployed at
Theft, loss or misappropriation of valuable ite Check cash transactions (deposits and wi
Theft, loss or misappropriation of valuable ite Check daily vouchers are properly sealed
Theft, loss or misappropriation of valuable ite Are the BSM / BM examine annually, the re
Theft, loss or misappropriation of valuable ite Are the daily vouchers kept in fire proof
Theft, loss or misappropriation of valuable ite Check that BSOs accept the deposit slips
Theft, loss or misappropriation of valuable ite to check in case transfer request is rece
Theft, loss or misappropriation of valuable ite To check that amounts were paid on accoun
Theft, loss or misappropriation of valuable ite Check withdrawal slip approval obtained
Theft, loss or misappropriation of valuable ite Check only one transition processed on th
Theft, loss or misappropriation of valuable ite Check encashment through withdrawal sli
Theft, loss or misappropriation of valuable ite Check appropriate narration fed in narrati
Theft, loss or misappropriation of valuable ite Check copy of CNIC of the customer obta
Theft, loss or misappropriation of valuable ite Check if customer made the credit card pa
Theft, loss or misappropriation of valuable ite Check withdrawal slip contains the notati
Theft, loss or misappropriation of valuable ite Check in case of online transaction, the t
Theft, loss or misappropriation of valuable ite Check branch recover online (intercity)
Theft, loss or misappropriation of valuable ite Clearing
Check customer signature obtained on bac
& Collection
Customer instructions or complaints not proceDoes designated staff verify and match the beneficiary name with the account in w
Customer instructions or complaints not proceAre all necessary stamps affixed on the
Customer instructions or complaints not proceAre names and contact numbers of the dep
Customer instructions or complaints not proceAll the transactions are processed and a
Customer instructions or complaints not proceAre all inward clearing cheques bearing
Customer instructions or complaints not proceIs Bank’s special crossing stamp affixed
Customer instructions or complaints not proceEnsure that if the account is classified
Customer instructions or complaints not proceAre all outward returned cheques marked in
Customer instructions or complaints not proceCheck
Check ifthat
cheque returned branches
at standalone unpaid, instrume
will directly credit outward clearing proceeds i
Customer instructions or complaints not proce
Customer instructions or complaints not proceCheck that branches while sending MIS t
Customer instructions or complaints not proceIf returned cheque not collected by the cu
Customer instructions or complaints not proceOriginal cheque will be retained by branch
Customer instructions or complaints not proceStandalone branches ensure that all retu
Customer instructions or complaints not proceEnsure that summary / clearing schedule i
Customer instructions or complaints not proceEnsure that collection letter generated th
Customer instructions or complaints not proceEnsure that collection reference number is
Customer instructions or complaints not proceEnsure that copies of all such instruments
Customer instructions or complaints not proceEnsure that cheque of dormant account i
Customer instructions or complaints not proceCheck that the proceeds of cheques credit
Customer instructions or complaints not proceEnsure that if the proceeds of instruments
Customer instructions or complaints not proceEnsure that in FCY collection Form ‘R’ d
Customer instructions or complaints not proceEnsure that proceeds held up to 21 days if
Customer instructions or complaints not proceEnsure that monthly balancing of outstand
Customer instructions or complaints not proceAre inward clearing cheques scrutinized
Customer instructions or complaints not proceAre all inward clearing cheques bearing
Customer instructions or complaints not proceWhether clearing cheques were return
Customer instructions or complaints not proceEnsure that cancellation of FCY outward
Customer instructions or complaints not proceAre branches ensure collection of cheques
Customer instructions or complaints not proceBanks shall ensure that payee account is
Customer instructions or complaints not proceBanks
In casesshall ensure
where that payee
clearing house account is
is not available bank shall ensure that payee acco
Customer instructions or complaints not proce
Customer instructions or complaints not proceIn cases where collecting bank fails to c
Customer instructions or complaints not proceCheck that post /stale dated cheques are
Customer instructions or complaints not proceProminently
Drop Box displaying the cut-off time f
Breach of banks’ policies or regulatory guideli Ensure that drop box is placed in ATM room where guards are not available durin
Breach of banks’ policies or regulatory guideli Ensure drop box keys recorded in key reg
Breach of banks’ policies or regulatory guideli Drop box opening timings are observed b
Breach of banks’ policies or regulatory guideli Is drop box opening time mentioned on ac
Breach of banks’ policies or regulatory guideli Are contents of drop box entered in regis
Breach of banks’ policies or regulatory guideli Has branch manager designated the junio
Breach of banks’ policies or regulatory guideli Ensure that discrepant cheques are separ
Breach of banks’ policies or regulatory guideli Ensure that senior custodian is responsibl
Breach of banks’ policies or regulatory guideli Ensure that branch provide MIS of drop b
Breach of banks’ policies or regulatory guideli Ensure that branch provide MIS of return
Breach of banks’ policies or regulatory guideli Are
Checkdiscrepant cheques
that purchase mailed toinstruments
remittance custome e.g. POs, DDs and MTs etc. (irrespe
Inaccurate, incomplete or fraudulent transact POs will not be issued to a non-account holder / occasional / walk in customer ex
Inaccurate, incomplete or fraudulent transact Check that customer account be used for
Inaccurate, incomplete or fraudulent transact For issuance/processing of DD, PO, FDD a
Inaccurate, incomplete or fraudulent transact Designated staff upon receipt and complet
Inaccurate, incomplete or fraudulent transact Check if all details of purchaser & benefi
Inaccurate, incomplete or fraudulent transact Ensure purpose of PO is defined.
Inaccurate, incomplete or fraudulent transact Check that manual pay order is being issue
Inaccurate, incomplete or fraudulent transact Ensure Call back confirmation was obtain
Inaccurate, incomplete or fraudulent transact Check if original Pay Order was handed ov
Inaccurate, incomplete or fraudulent transact Check for issuance of duplicate PO, FIR &
Inaccurate, incomplete or fraudulent transact Check if original PO is cancelled in syst
Inaccurate, incomplete or fraudulent transact Check if a copy of Payment Instrument Ver
Inaccurate, incomplete or fraudulent transact Check if authenticity of PO was checked vi
Inaccurate, incomplete or fraudulent transact Check if Calls back confirmation on Dep
Inaccurate, incomplete or fraudulent transact Is PO outstanding more than 10 years dep
Inaccurate, incomplete or fraudulent transact Check if representatives provide authorit
Inaccurate, incomplete or fraudulent transact Are charges recovered as per Schedule o
Inaccurate, incomplete or fraudulent transact Check that charges for making pay order /
Inaccurate, incomplete or fraudulent transact Is demand draft issuance process followed
Inaccurate, incomplete or fraudulent transact Are branches issuing Demand Drafts dra
Inaccurate, incomplete or fraudulent transact Are demand drafts on HBL issued informat
Inaccurate, incomplete or fraudulent transact Ensure branches while issuing a demand draft of over & above Rs. 200,000/- wou
Inaccurate, incomplete or fraudulent transact Ensure that customer and beneficiary na
Customer instructions or complaints not proceAre Draft issued in favor of bank not fol
Customer instructions or complaints not proceEnsure that original applications kept alo
Customer instructions or complaints not proceEnsure branch file carbonized copies of
Customer instructions or complaints not proceEnsure that DD/FDD is surrendered in orig
Customer instructions or complaints not proceHas customer provided the DD/FDD cancell
Customer instructions or complaints not proceEnsure customer discharge obtained on re
Customer instructions or complaints not proceEnsure that FCY draft endorsed “Not used
Customer instructions or complaints not proceEnsure that cancellation of FCY outward
Customer instructions or complaints not proceIs notation “Duplicate PO issued in lieu
Customer instructions or complaints not proceEnsure amount of cancelled PO/DD/FDD cr
Customer instructions or complaints not proceIs indemnity on the stamp paper received i
Customer instructions or complaints not proceIs confirmation obtained from issuing bra
Customer instructions or complaints not proceIs customer’s account credited directly a
Customer instructions or complaints not proceAre instruments bear endorsement along w
Customer instructions or complaints not proceTo ensure that any debit to Unclaimed DD
Customer instructions or complaints not proceEnsure customer written request obtained f
Customer instructions or complaints not proceEnsure “Revalidation” stamp affixed on i
Customer instructions or complaints not proceEnsure that copy of revalidated payment or
Customer instructions or complaints not proceTo check in case of any request received f
Customer instructions or complaints not proceCheck the details and confirm the genuinen
Customer instructions or complaints not proceTo ensure that lost / stolen instrument i
Customer instructions or complaints not proceCheck that Branches reconcile all the unc
Customer instructions or complaints not proceCheck
Securityif Po issued in favor of third par
Stationery
Breach of banks’ policies or regulatory guideli Master Stock of blank stationery be kept in the dual custody of /BSM/BSO& Remi
Breach of banks’ policies or regulatory guideli Stock register/card be maintained & physic
Breach of banks’ policies or regulatory guideli Safe
Issuable stationery
Deposit Box is with the issuance of
AreBoard
Theft, loss or misappropriation of valuable ite e. SDB Resolution
(Safe Deposit Box) only
(in case issued tobodies).
of corporate active account holders of FBL?
Theft, loss or misappropriation of valuable ite f. in case of foreign national their passport copies?
Theft, loss or misappropriation of valuable ite Are all blank spaces in application and S
Theft, loss or misappropriation of valuable ite Are copies of CNICs of all the locker oper
Theft, loss or misappropriation of valuable ite Is screening of locker operators & manda
Theft, loss or misappropriation of valuable ite To check locker neither issued to a minor
Theft, loss or misappropriation of valuable ite Check if locker is issued after 90 days o
Theft, loss or misappropriation of valuable ite Has the branch BSM or BM approved the ap
Theft, loss or misappropriation of valuable ite Are vacant locker keys kept in a sealed
Theft, loss or misappropriation of valuable ite Are SS cards & all Safe Deposit Box (Lockers) application Forms filed in a serial
Theft, loss or misappropriation of valuable ite Is key deposit received and properly book
Theft, loss or misappropriation of valuable ite Is rent received properly recorded in Gen
Theft, loss or misappropriation of valuable ite Are mandate forms obtained and screening
Theft, loss or misappropriation of valuable ite Check branch allowed the three locker oper
Theft, loss or misappropriation of valuable ite Is the locker number mentioned in all re
Theft, loss or misappropriation of valuable ite Check is all details entered in locker issu
Theft, loss or misappropriation of valuable ite Check whether branch has obtained custo
Theft, loss or misappropriation of valuable ite Ensure that staff performs customer CDD
Theft, loss or misappropriation of valuable ite Check whether branch has sent scan image
Theft, loss or misappropriation of valuable ite To ensure that staff obtains the purpose of
Theft, loss or misappropriation of valuable ite Access
Is lockerthe
operated
control by the customer
of keys at the
and security measures:
Theft, loss or misappropriation of valuable ite Are locker’s vault keys handed over to authorize staff as per IOM signed by Branc
Theft, loss or misappropriation of valuable ite Are locker vault and master keys moveme
Theft, loss or misappropriation of valuable ite Are duplicate Master keys sealed in an envelope and kept with nearest FBL branc
Theft, loss or misappropriation of valuable ite Are the surrender
Review lockertokeys
the procedures keptSDB
access in se
Theft, loss or misappropriation of valuable ite Are customer
Review the losssignatures verified by officer/SDB attendant, and the time of entry a
of keys procedure:
Theft, loss or misappropriation of valuable ite Are all keys reported loss duly notified in writing?
Theft, loss or misappropriation of valuable ite Are customer signatures on the report of l
Theft, loss or misappropriation of valuable ite Are the charges for loss key deducted?
Theft, loss or misappropriation of valuable ite Is consent of all existing/new locker holde
Theft, loss or misappropriation of valuable ite Is the breakage of the boxes performed by
Theft, loss or misappropriation of valuable ite Surrender of Lockers: Has customer writt
Theft, loss or misappropriation of valuable ite Ensure that locker allotted in joint name c
Theft, loss or misappropriation of valuable ite Check details of the surrendered locker’s
Theft, loss or misappropriation of valuable ite Check “Safe Deposit Box (Lockers) Closed
Theft, loss or misappropriation of valuable ite Check locker surrender approved by BSM
Theft, loss or misappropriation of valuable ite Check Safe Deposit Box (Lockers)/ Lever
Theft, loss or misappropriation of valuable ite Is licensee operate the locker to check wh
Theft, loss or misappropriation of valuable ite Is log for Standards
Security change of forsurrender lockers of
Enhancement keSecurity of the Locker:
Theft, loss or misappropriation of valuable ite Are SDB area adequately and reasonably secured from all sides and the security
Theft, loss or misappropriation of valuable ite Is corporate
Locker group insurance
Operations – Customer’sfor various
Processc Flow:
Theft, loss or misappropriation of valuable ite Check that locker operations cards of the customers are reviewed by BSM
Theft, loss or misappropriation of valuable ite Check whether custodian obtained locker
Theft, loss or misappropriation of valuable ite Is operation
Locker of locker allowed to custome
Operations
Theft, loss or misappropriation of valuable ite Is safe deposit box operating request date and time stamped through machine?
Theft, loss or misappropriation of valuable ite Is key register maintained?
Theft, loss or misappropriation of valuable ite Check that locker custodian has recorded
Theft, loss or misappropriation of valuable ite Is locker grill door kept closed during the
Theft, loss or misappropriation of valuable ite Check locker operations are not allowed a
Theft, loss or misappropriation of valuable ite Is day-end
Locker reconciliation of locker oper
Charges:
Theft, loss or misappropriation of valuable ite Are annual lockers’ charges deducted timely and entered in system and register?
Theft, loss or misappropriation of valuable ite Are charges
Access taken up-front
the procedures at thepayments
of rental time of and past due accounts:
Theft, loss or misappropriation of valuable ite Are over due rental payments being monitored?
Theft, loss or misappropriation of valuable ite Are past due Locker holder accounts fla
Theft, loss or misappropriation of valuable ite Are red stickers affixed on the over due l
Theft, loss or misappropriation of valuable ite Are letters sent to customers within 7 days
Theft, loss or misappropriation of valuable ite Are second and third reminder letters sent
Theft, loss or misappropriation of valuable ite Check In case the rent is overdue for a y
Theft, loss or misappropriation of valuable ite Check on expiry of the notice period
period given
given in notice, the bank break open the Safe D
in the
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite Are locker operations allowed to custome
Theft, loss or misappropriation of valuable ite Ensure lost key process properly followed
Theft, loss or misappropriation of valuable ite Is locker master key and grill key of loc
Theft, loss or misappropriation of valuable ite Is reconciliation of un-rented keys perfor
Theft, loss or misappropriation of valuable ite Ensure at least once in a year (annual re
Theft, loss or misappropriation of valuable ite Is monthly reconciliation of the rent rec
Theft, loss or misappropriation of valuable ite Ensure process of lost items found in lock
Theft, loss or misappropriation of valuable ite Is Safe Deposit Box (Lockers) operation
Theft, loss or misappropriation of valuable ite Has branch obtained approvals to refer ca
Theft, loss or misappropriation of valuable ite In case of breakage /damage to the locke
Theft, loss or misappropriation of valuable ite Ensure
Debit thatIssuance
Card at the time of breakage there
& Delivery:
Customer instructions or complaints not proc Ensure that branch maintains proper record of ATM Cards received from the card
Customer instructions or complaints not proc Ensure that ATM cards timely issued to the customers as per service standard i.e
Customer instructions or complaints not proc Ensure that in case of any discrepancy, br
Customer instructions or complaints not proc Ensure that branch will report to ADC OP
Customer instructions or complaints not proc ensure that numbers of all shredded card
Customer instructions or complaints not proc Ensure that replacement fee is waived fo
Customer instructions or complaints not proc Ensure that upon receiving FBL debit card
Customer instructions or complaints not proc Ensure that in case of joint accounts, card
Customer instructions or complaints not proc Ensure that undelivered Cards are kept in
Customer instructions or complaints not proc Ensure that ATM card delivered to customer representative after obtaining author
Customer instructions or complaints not proc Online Branches
e) Illiterate deliver
visually debit cardaccount
impaired/blind to cus holder.
Customer instructions or complaints not proc To f) Joint
check accounts (joint operating
branch does not refuseinstructions)
issuance of ATM / Debit card to literate visually i
Customer instructions or complaints not proc
Customer instructions or complaints not proc If undelivered ATM debit card not collecte
Customer instructions or complaints not proc Ensure that if cards not collected within
Customer instructions or complaints not proc Ensure e-mail sent to call center for hot
Customer instructions or complaints not proc Ensure that combination code kept under
Customer instructions or complaints not proc Ensure that combination code of ATM mach
Customer instructions or complaints not proc Ensure that duplicate keys of ATM Safe a
Customer instructions or complaints not proc Replenishment
Ensure that monthlyof cashbalancing
in ATM of undeliv
Theft, loss or misappropriation of valuable ite Ensure only authorized custodian opens ATM safes.
Theft, loss or misappropriation of valuable ite To ensure that that counterfeit notes are
Theft, loss or misappropriation of valuable ite Ensure that sufficient cash is available in
Theft, loss or misappropriation of valuable ite Ensure that for long weekends maximum c
Theft, loss or misappropriation of valuable ite Ensure that Journal rolls kept in original
Theft, loss or misappropriation of valuable ite Ensure that branch Service Manager & Vault BSO or their designated backups b
Theft, loss or misappropriation of valuable ite Branch Service Manager or his/her back u
Theft, loss or misappropriation of valuable ite Check are details of cash replenished be
Theft, loss or misappropriation of valuable ite Ensure that actual cash is balanced with cas
Theft, loss or misappropriation of valuable ite To ensue that excess/ shortage of cash o
Theft, loss or misappropriation of valuable ite ATM
Are all overages & shortages accounts tra
Room
Theft, loss or misappropriation of valuable ite Ensure lighting and locking arrangements are available in ATM booth/cabin in ord
Theft, loss or misappropriation of valuable ite Ensure that a complaint / suggestion box
Theft, loss or misappropriation of valuable ite Ensure that helpline is installed in ATM r
Theft, loss or misappropriation of valuable ite Ensure that CCTV camera is installed in A
Theft, loss or misappropriation of valuable ite Automatic
Ensure thatCredit
arrangements to construct ra
Breach of banks’ policies or regulatory guideli Ensure that cash retraction transactions are followed as per SBP circular No PSD
Breach of banks’ policies or regulatory guideli Ensure that immediately after crediting ac
Breach of banks’ policies or regulatory guideli Ensure
Retain /that if customer
Captured Card account debited
Breach of banks’ policies or regulatory guideli Ensure that if card retained / blocked by the ATM, branch removes the card from A
Breach of banks’ policies or regulatory guideli Ensure that CVC value is cut out/marker a
Breach of banks’ policies or regulatory guideli Ensure that branch also required to keep
Breach of banks’ policies or regulatory guideli Does branch deliver the card to respectiv
Breach of banks’ policies or regulatory guideli Ensure that email is sent to ITMC@faysalb
Breach of banks’ policies or regulatory guideli Ensure that branch take signed receipt on
Breach of banks’ policies or regulatory guideli Ensure that branch intimated details of
Breach of banks’ policies or regulatory guideli Ensure that application form must be fill
Breach of banks’ policies or regulatory guideli Ensure that original seen of CNIC is plac
Breach of banks’ policies or regulatory guideli Ensure that customers collected the card
Breach of banks’ policies or regulatory guideli Ensure that where customer does not approa
Breach of banks’ policies or regulatory guideli Ensure that details of shredded cards be
Breach of banks’ policies or regulatory guideli Ensure that in case Watan card is captured
Breach of banks’ policies or regulatory guideli Ensure that in case of watan cards the ac
Breach of banks’ policies or regulatory guideli Ensure that any suspicious card for examp
Customer instructions or complaints not proc Check that two different authorized officers are designated by BSM to handle che
Customer instructions or complaints not proc To ensure that requests for issuance of c
Customer instructions or complaints not proc To ensure that If cheque book not request
Customer instructions or complaints not proc To ensure that if customers requested for
Customer instructions or complaints not proc In absence of Physical presence of Custo
Customer instructions or complaints not proc Check that all cheque book requisitions
Customer instructions or complaints not proc Check that all cheque book requisitions
Customer instructions or complaints not proc Is signature verification done on requisitio
Customer instructions or complaints not proc Check that in small branches cheque book
Customer instructions or complaints not proc Check that where customer insisted for de
Customer instructions or complaints not proc Are all cheque books delivered to customer
Customer instructions or complaints not proc Ensure that all cheque book requisition s
Customer instructions or complaints not proc Upon receipt of cheque books requisition
Customer instructions or complaints not proc Ensure that if previous cheque book has n
Customer instructions or complaints not proc Check If the person comes him/herself, fo
Customer instructions or complaints not proc Ensure that cheque book request captured b
Customer instructions or complaints not proc Ensure that all requests must be file date
Customer instructions or complaints not proc Ensure that stamp duty/charges are deducte
Customer instructions or complaints not proc Ensure that confirmation letters on prescr
Customer instructions or complaints not proc Ensure that branch should deliver cheque book to authorized representative of ac
Customer instructions or complaints not proc Ensure that in exceptional cases where ch
Customer instructions or complaints not proc The cheque book will not be delivered to
Customer instructions or complaints not proc To check for delivery of cheque book to a
Customer instructions or complaints not proc Check if customer has produced his/her val
Customer instructions or complaints not proc Branch would not deliver the cheque book
Customer instructions or complaints not proc Ensure that BSM check the total cheque b
Customer instructions or complaints not proc Check for Joint, company, partnership or t
Customer instructions or complaints not proc Ensure that all cheque books issued to c
Customer instructions or complaints not proc Ensure that cheque book delivery officer u
Customer instructions or complaints not proc Ensure that branches put machine time st
Customer instructions or complaints not proc Ensure that undelivered cheque book is des
Customer instructions or complaints not proc Ensure that reminders sent to the account
Customer instructions or complaints not proc Ensure that if above letter returned und
Customer instructions or complaints not proc Ensure that all cheque book requisition sl
Customer instructions or complaints not proc Ensure that undelivered cheque books is
Customer instructions or complaints not proc Ensure that stocks of undelivered cheque
Customer instructions or complaints not proc Ensure that BSM extract the report “Chequ
Customer instructions or complaints not proc BSM/BM should reconcile / verify the che
Customer instructions or complaints not proc Ensure that SCI restraint is deleted and
Customer instructions or complaints not proc Check if the stock of undelivered cheque b
Customer instructions or complaints not proc Ensure IOM as per annexure 4.5-M is prepar
Customer instructions or complaints not proc Designated staff will update and record p
Customer instructions or complaints not proc Cheque Book Destroyed (CBD) report from
Customer instructions or complaints not proc Ensure staff does staff obtain customers’
Customer instructions or complaints not proc Asaan Account cheque books will be delive
Customer instructions or complaints not proc Ensure that Original Cheque book requisit
Customer instructions or complaints not proc Ensure that CBD report from KM is provid
Customer instructions or complaints not proc Check that cheque book is issued to the
Customer instructions or complaints not proc Check
StandingIslamic branches avoid issuance an
Instructions
Customer instructions or complaints not proc Ensure that branch staff mention the mode of request received from customer/ re
Customer instructions or complaints not proc Ensure that Call back and compliance pro
Customer instructions or complaints not proc Ensure that e-mails send to CPU are kept
Customer instructions or complaints not proc Ensure that on receipt of request for canc
Customer instructions or complaints not proc Check whether branch has informs customer
Customer instructions or complaints not proc Ensure that acknowledgment from CPU must
Customer instructions or complaints not proc Check that
Decease upon receipt of request for ca
Accounts
Customer instructions or complaints not proc Check all the deceased accounts are properly marked as "Deceased" under info
Customer instructions or complaints not proc Check that CPU-AMU marked the specific
Customer instructions or complaints not proc Check that in case of death of customer
Customer instructions or complaints not proc Check Branch staff searches through the
Customer instructions or complaints not proc Ensure that all the letters for verificatio
Customer instructions or complaints not proc Ensure that CNIC and account number is n
Customer instructions or complaints not proc Ensure that in case of joint account wher
Customer instructions or complaints not proc Ensure that funds only released against p
Customer instructions or complaints not proc Ensure that in case where account balance
Customer instructions or complaints not proc Ensure that where account balance is more
Customer instructions or complaints not proc To check after release of funds the all a
Customer instructions or complaints not proc To check system does not recover any so
Customer instructions or complaints not proc To
Stopcheck branch maintains the record of
Payments
Customer instructions or complaints not proc Check if request received on bank's stationery, rubber stamp is required along wit
Customer instructions or complaints not proc Check stop payment requests received in
Customer instructions or complaints not proc Check reason for making stop payment re
Customer instructions or complaints not proc Upon receipt of written stop payment requ
Customer instructions or complaints not proc Ensure that staff check that cheques hav
Customer instructions or complaints not proc Check stop payments marked immediately (
Customer instructions or complaints not proc Check applicable charges recovered?
Customer instructions or complaints not proc Check acknowledgement of stop payment o
Customer instructions or complaints not proc Check stop payments release instructions
Customer instructions or complaints not proc Stop payment
Duplicate request
Account already marked in
Statement
Customer instructions or complaints not proc Duplicate account statements are issued against customer written request and ap
Customer instructions or complaints not proc Are duplicate account statements delive
Customer instructions or complaints not proc Is commission on duplicate issuance rec
Customer instructions or complaints not proc Ensure branch staff has affixed machine t
Customer instructions or complaints not proc Are duplicate account statements delivere
Customer instructions or complaints not proc Is any reference
Check letter,
if branch has w.h.taxoriginal
obtained certific valid CNIC from customer designated repre
Customer instructions or complaints not proc
Customer instructions or complaints not proc To check that customer representative’s s
Customer instructions or complaints not proc Check that undelivered SOAs are shredded
Customer instructions or complaints not proc MIS of shredded SOAs must be signed by t
Customer instructions or complaints not proc check designated staff inform respective c
Customer instructions or complaints not proc Are designated coordinators appointed in
Customer instructions or complaints not proc Are the requests for verification of acco
Customer instructions or complaints not proc Is branch charging
Complaint Handling“processing fee” under
Inaccurate, incomplete or fraudulent transact Check that Floor Service Officer or BSM of the branch daily check the complaint
Inaccurate, incomplete or fraudulent transact Ensure that all written complaints receiv
Inaccurate, incomplete or fraudulent transact Are customer complains logged in Siebel
Inaccurate, incomplete or fraudulent transact Are customer complains sent to CSU for
Inaccurate, incomplete or fraudulent transact Are all complaints received by the branch
Inaccurate, incomplete or fraudulent transact To check at the time of complaint logs in
Inaccurate, incomplete or fraudulent transact To check that customer related Grievances for clearing issues/complaints are refe
Inaccurate, incomplete or fraudulent transact To check fraud complaint is referred to F
Inaccurate, incomplete or fraudulent transact s the suggestion box placed prominently
Inaccurate, incomplete or fraudulent transact Are guidelines
Suspense for dealing with customer
Account
Un-settled entries for more than 30 days. Ensure that branch is reconciling all the unclaimed & outstanding pay orders on fo
Un-settled entries for more than 30 days. Are the proofs duly signed by concerned
Un-settled entries for more than 30 days. Ensure that if customer i.e. purchaser app
Un-settled entries for more than 30 days. Ensure that branch should file the copy of
Un-settled entries for more than 30 days. Check if the proofing of all suspense acc
Un-settled entries for more than 30 days. Check if the entries booked in the Suspens
Un-settled entries for more than 30 days. Ensure that entries made on account of t
Un-settled entries for more than 30 days. At day end, the BSM/BM to ensure that t
Fictitious entries could be booked in suspens Administration financial powers are being
Fictitious entries could be booked in suspens Are relevant bills enclosed with expense
Fictitious entries could be booked in suspens All the utility / others expenses should b
Fictitious entries could be booked in suspens To check that advance tax paid on electrici
Fictitious entries could be booked in suspens Paid Stamp affixed on all the relevant ex
Fictitious entries could be booked in suspens Physical
Check that staff/client
Access Controlentertainment sho
Theft, loss or misappropriation of valuable ite Ensure that entrance of unauthorized person is restricted in vault / teller area.
Theft, loss or misappropriation of valuable ite Ensure unauthorized persons are not allow
Theft, loss or misappropriation of valuable ite Ensure that BM has designated one officer
Theft, loss or misappropriation of valuable ite Ensure that branch is opened at 8:45 am a
Theft, loss or misappropriation of valuable ite Ensure that security guards is provided a
Theft, loss or misappropriation of valuable ite Ensure that emergency contact numbers in
Theft, loss or misappropriation of valuable ite g)
Ensure that necessary
Current lights,police
residence local sufficient f
verification certificate.
Theft, loss or misappropriation of valuable ite Filled duly attested enrollment form by company
Theft, loss or misappropriation of valuable ite Ensure that motion detectors, CCTV camer
Theft, loss or misappropriation of valuable ite Ensure that Log of surprise check will als
Theft, loss or misappropriation of valuable ite Ensure that replacement with a fresh gua
Theft, loss or misappropriation of valuable ite Ensure that as per FD circular letter nu
Theft, loss or misappropriation of valuable ite Ensure that after the close of business a
Theft, loss or misappropriation of valuable ite Ensure that under no circumstances at the
Theft, loss or misappropriation of valuable ite Ensure that alocation
(9) Any other written considered
request must be g
necessary by BM
Theft, loss or misappropriation of valuable ite (10) Inside and outside the vault.
Theft, loss or misappropriation of valuable ite Ensure that every branch should require t
Theft, loss or misappropriation of valuable ite Ensured that security guards be identifi
Theft, loss or misappropriation of valuable ite Ensure that staff identify technicians b
Theft, loss or misappropriation of valuable ite Ensure that staff always lock their PCs wh
Theft, loss or misappropriation of valuable ite Ensure that the CCTV equipment installed
Theft, loss or misappropriation of valuable ite Ensure that external USB (Universal Seria
Theft, loss or misappropriation of valuable ite Ensure that guards be positioned in a man
Theft, loss or misappropriation of valuable ite Ensure that guards are not allowed to rem
Theft, loss or misappropriation of valuable ite Ensure that BM/OM periodically carry out i
Theft, loss or misappropriation of valuable ite Ensure that minimum two guards posted at
Theft, loss or misappropriation of valuable ite Ensure that keypad is located at a place
Theft, loss or misappropriation of valuable ite Are the panic buttons installed in branch
Theft, loss or misappropriation of valuable ite Ensure that all remote security passwords
Theft, loss or misappropriation of valuable ite Ensure that at the end of the day the ala
Theft, loss or misappropriation of valuable ite To ensure that the passwords and codes ar
Theft, loss or misappropriation of valuable ite Does branch notify new contact numbers t
Theft, loss or misappropriation of valuable ite Check whether during weekends and long ho
Theft, loss or misappropriation of valuable ite Check whether log is being maintained by
Theft, loss or misappropriation of valuable ite Ensure all necessary lights are switched
Theft, loss or misappropriation of valuable ite Do OM/BM ensure that no guard is perform
Theft, loss or misappropriation of valuable ite Ensure that alarm system and surveillanc
Theft, loss or misappropriation of valuable ite Ensure necessary lights, sufficient for cl
Theft, loss or misappropriation of valuable ite Ensure that branch must have emergency fi
Theft, loss or misappropriation of valuable ite Ensure that a portable fire extinguishers a
Theft, loss or misappropriation of valuable ite Are identities of guards deployed in the br
Theft, loss or misappropriation of valuable ite Ensure that records of data of customer du
Theft, loss or misappropriation of valuable ite Ensure that main door of the branch is rein
Theft, loss or misappropriation of valuable ite Ensure that any staff member is not allow
Theft, loss or misappropriation of valuable ite Ensure a steel latch lock shall be installe
Theft, loss or misappropriation of valuable ite Ensure Sufficient lighting be provided ou
Theft, loss or misappropriation of valuable ite Ensure proper frosting is being done on A
Theft, loss or misappropriation of valuable ite Role
Is fireDefinition
drill carried out periodically?
Unauthorised parties may obtain access to IT Obtain
s Organization Chart, JDs of all staff and their back ups, latest user profiles
Unauthorised parties may obtain access to IT Ares assigned roles to individuals match wi
Unauthorised parties may obtain access to IT Ares all IDs authorized from respective li
Unauthorised parties may obtain access to IT Ares exceptions in role approved by Head
Unauthorised parties may obtain access to IT Check
s that users do not share passwords
Unauthorised parties may obtain access to IT Check
s that staff ID (symbols) is linked w
Unauthorised parties may obtain access to IT Is s the assignment of user rights based on
Unauthorised parties may obtain access to IT Ares conflicting roles assigned to any indiv
Unauthorised parties may obtain access to IT Ares dormant activation rights / role assign
Unauthorised parties may obtain access to IT Is s entry and authorization both rights give
Unauthorised parties may obtain access to IT Bi-Are
s Annual
Tellers Review
assigned of Duplicate
User RolesAccount St
Unauthorised parties may obtain access to IT Ares defined IDs and assigned roles reviewed at least semi-annually, with a formal
Unauthorised parties may obtain access to IT Creation
Are
s Exceptions (e.g. privilege
/ Modification of Userchange,
Id d
Unauthorised parties may obtain access to IT Ares only rights/roles that formally requested
Transfer/Termination/Resignation of Employee assigned to the IDs?
Unauthorised parties may obtain access to IT Does
s branch intimate to HR for any resignation or transfer?
Unauthorised parties may obtain access to IT Does
s ID Management Team Coordinate wit
Unauthorised parties may obtain access to IT Does
s ID Management Team enable the empl
Unauthorised parties may obtain access to IT General
Does
s employee notify the ID Management Te
Unauthorised parties may obtain access to IT Ensure
s role / user ID rights not allocated without required approvals.
Unauthorised parties may obtain access to IT Have
s all employees given mandatory sign
Unauthorised parties may obtain access to IT Is s assignment
Org of conflicting rights/roles re
structure Procedures
The responsibilities and ownership of activitie Obtain latest approved Organization chart of the branch. Ensure present set-up is
The responsibilities and ownership of activitie Ensure that up to date job description of
The responsibilities and ownership of activitie Ensure that casual Leave being only emer
The responsibilities and ownership of activitie Ensure that sick Leave where availed for m
The responsibilities and ownership of activitie Ensure that rotation of branch staff betwe
The responsibilities and ownership of activitie Ensure that branch staff follow no smoking
The responsibilities and ownership of activitie Ensure that proper leave record is maintai
The responsibilities and ownership of activitie Ensure leaves taken are in accordance wit
The responsibilities and ownership of activitie Ensure that in case of carryover of PL u
The responsibilities and ownership of activitie Ensure current year leave roster is on r
The responsibilities and ownership of activitie Ensure that all the leaves should be upd
The responsibilities and ownership of activitie Ensure that staff follow the HR circular d
The responsibilities and ownership of activitie Ensure handing over / taking over procedur
The responsibilities and ownership of activitie Ensure staff wear bank I.D cards during of
The responsibilities and ownership of activitie Ensure that branch is not reimbursing h
The responsibilities and ownership of activitie Check if branch is maintaining attendanc
The responsibilities and ownership of activitie Ensure that the branch conducts training
The responsibilities and ownership of activitie Check BSM has raised the request of BM au
The responsibilities and ownership of activitie Check In case BSM is not available in th
The responsibilities and ownership of activitie Check limit enhancement request has not
The responsibilities and ownership of activitie Check that proper back-up arrangement of
The responsibilities and ownership of activitie Check business continuity plan properly
The responsibilities and ownership of activitie Obtain the Business Continuity Plan of th
The responsibilities and ownership of activitie Is fire drill carried out periodically?
The responsibilities and ownership of activitie Does the branch staff familiar with the BC
The responsibilities and ownership of activitie Check for any internal & regulatory polic
The responsibilities and ownership of activitie Check that supervisor’s details of staff
The responsibilities and ownership of activitie Notice
Check Board
if staff resumed the office during
Breach of banks’ policies or regulatory guideli Has the branch license displayed
Breach of banks’ policies or regulatory guideli Has the foreign currency dealing license
Breach of banks’ policies or regulatory guideli Ensure that latest Profit Sharing Ratio &
Breach of banks’ policies or regulatory guideli Ensure that updated Shariah Certificates
Breach of banks’ policies or regulatory guideli Is circular regarding Timeliness of Pens
Breach of banks’ policies or regulatory guideli Have the latest deposit / consumer lend
Breach of banks’ policies or regulatory guideli Has the bank’s current schedule of charg
Breach of banks’ policies or regulatory guideli Is the FX services provided by the bank o
Breach of banks’ policies or regulatory guideli Is FE circular number 8 of 2015 displayed
Breach of banks’ policies or regulatory guideli Is FBL whisle below poster (Raise your vo
Breach of banks’ policies or regulatory guideli Is the latest foreign currency rates list di
Breach of banks’ policies or regulatory guideli Is circular for information of IPS accoun
Breach of banks’ policies or regulatory guideli Is the latest draw list of National Prize
Breach of banks’ policies or regulatory guideli Is the circular/information regarding int
Breach of banks’ policies or regulatory guideli Is branch / place name displayed on bank
Breach of banks’ policies or regulatory guideli Is list of crises Management displyed.
Breach of banks’ policies or regulatory guideli The bank will provide option to existing
Breach of banks’ policies or regulatory guideli Is the emergency telephone numbers list
Breach of banks’ policies or regulatory guideli Is Contact details of SBP Facilitation C
Breach of banks’ policies or regulatory guideli Is dedicated help line (UN number) for c
Breach of banks’ policies or regulatory guideli *Are utilityyour
Check billscash
accepted
beforehere signage
leaving an bank will not be responsible after leavin
counter,
Breach of banks’ policies or regulatory guideli * National prize bonds are purchased and sold here.
Breach of banks’ policies or regulatory guideli is standardization of Customer’s Cheque
Breach of banks’ policies or regulatory guideli Is the circular/information regarding PRI
Breach of banks’ policies or regulatory guideli Is the poster regarding ‘Banking Mohtasib
Breach of banks’ policies or regulatory guideli Are Q & A leaflets and specially designed
Breach of banks’ policies or regulatory guideli Is notice of working hours and functions
Breach of banks’ policies or regulatory guideli Is form “C”, National Tax Number, Bran
Breach of banks’ policies or regulatory guideli Is notice for submission of copy of valid
Breach of banks’ policies or regulatory guideli Ensure that latest list of “Unclaimed Dep
Breach of banks’ policies or regulatory guideli Informative Posters for Public Awarenes
Breach of banks’ policies or regulatory guideli Notice informing general public that all
Breach of banks’ policies or regulatory guideli Features of currency notes displayed for p
Breach of banks’ policies or regulatory guideli Is notice for "Agriculture Loan Available
Breach of banks’ policies or regulatory guideli Is notice of information the security arr
Breach of banks’ policies or regulatory guideli Are the latest audited Financial Statemen
Breach of banks’ policies or regulatory guideli Is the FBR's notice of ‘Online Collection
Breach of banks’ policies or regulatory guideli Record
Is the banner or panaflex bearing
Retention
Breach of banks’ policies or regulatory guideli Ensure that record of any suspicious transaction reported by the bank retained till
Breach of banks’ policies or regulatory guideli To ensure that bank records are maintain f
Breach of banks’ policies or regulatory guideli Check
Returnsthat proper seating arrangement,
Breach of banks’ policies or regulatory guideli Ensure that all the foreign exchange returns submit to SBP by the 3rd of the ever
Breach of banks’ policies or regulatory guideli Staffing
Check that FDD issuance
& back-up transactions is
arrangements
Inaccurate, incomplete or fraudulent transact Ensure that proper back-up arrangement of the staff should be made by the branc
Inaccurate, incomplete or fraudulent transact Ensure business continuity plan properly
Inaccurate, incomplete or fraudulent transact Obtain the Business Continuity Plan of th
Disruption of the business. Obtain the regular test result of Business
Disruption of the business. Is fire drill carried out periodically?
Disruption of the business. Does the branch
Management staff familiar
Information System with the BC
Incorrect decision making Are service Quality TATs being observed?
Inadequate management monitoring. Is visitor (vendor) log book properly main
Inadequate management monitoring. Is "Save As You Earned Policy" followed
Theft, loss or misappropriation of valuable it An intensive exercise has been carried ou
Theft, loss or misappropriation of valuable it To reduce power 3KVA UPS installed in br
Theft, loss or misappropriation of valuable it LED lights fixed to reduce electrical cons
Theft, loss or misappropriation of valuable it Check Installation of DC Inverter AC along
Theft, loss or misappropriation of valuable it Minimize usage of diesel generator by op
Theft, loss or misappropriation of valuable it Are ATMs converted to renewable energy
Theft, loss or misappropriation of valuable it Setting of central heating and cooling sy
Theft, loss or misappropriation of valuable it Lights and appliances are switched off, w
Theft, loss or misappropriation of valuable it Dimmers and motion sensors available on l
Theft, loss or misappropriation of valuable it Replacement of old appliances with EN
Theft, loss or misappropriation of valuable it Instalation of awnings, tinted window film
Theft, loss or misappropriation of valuable it Installion of solar tubes to reduce the need
Theft, loss or misappropriation of valuable it An inventory is maintained for consumption
Theft, loss or misappropriation of valuable it Special green
In morning thelogos
inwardalong with file
clearing textis‘Gre
extracted by the Supervisor / Assistant Mana
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite Branch wise sealed bags are received in
Theft, loss or misappropriation of valuable ite Counting of instruments and verification wi
Theft, loss or misappropriation of valuable ite Checking of instrument regarding amount,
Theft, loss or misappropriation of valuable ite To ensureManager
Assistant that Cheque, PO/DD
Upto Rsabove
2.5 MRs 3
Theft, loss or misappropriation of valuable ite Manager CPU Above Rs 2.5 M
Theft, loss or misappropriation of valuable ite In case
CPU willofforward
dormantallaccount
Solitairethe same wil
cheques (if specifically issued on designated solitaire
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite To ensure that call back confirmation >=
Theft, loss or misappropriation of valuable ite To ensure that respective branch will con
Theft, loss or misappropriation of valuable ite Ensure that Corporate customers cheques a
Theft, loss or misappropriation of valuable ite To Ensure that if funds have not been ava
Theft, loss or misappropriation of valuable ite Cheque Return memos will be prepared in accordance with Returns Code list pro
Theft, loss or misappropriation of valuable ite To ensure that if the cheque are not paid
Theft, loss or misappropriation of valuable ite Ensure NIFT return bundle is prepared sta
Theft, loss or misappropriation of valuable ite Ensure CPU has reversed the cheque retur
Theft, loss or misappropriation of valuable ite To ensure that ambiguous reason not me
Theft, loss or misappropriation of valuable ite To ensure that cheque returned charges wi
Theft, loss or misappropriation of valuable ite To ensure that copies of branch wise retu
Theft, loss or misappropriation of valuable ite To ensure
Ensure that upon will
Instruments realization
be placedof funds
in a sealed bag and handed over to NIFT repre
Theft, loss or misappropriation of valuable ite Test whether in case of any difference between the total amount of cheques and N
Theft, loss or misappropriation of valuable ite Check the application of paid and signature verification stamp through UV scanne
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite Application of paid and signature verifica
Theft, loss or misappropriation of valuable ite Packets of all cheques must be stitched in
Theft, loss or misappropriation of valuable ite Check balancing in system is initiated by
Theft, loss or misappropriation of valuable ite Pay Order received against returned instr
Theft, loss or misappropriation of valuable ite Upon realization of funds in Outward Clea
Theft, loss or misappropriation of valuable ite CPU will provide photocopy of Paid instru
Theft, loss or misappropriation of valuable ite Toany
If ensure thatisalltoinward
cheque clearing
be returned transac
after clearing hours due to insufficient balance or a
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite In such case CPU will prepare letter to
Theft, loss or misappropriation of valuable ite After balancing of inward clearing, inwar
Theft, loss or misappropriation of valuable ite CPU would then debit normal inward RTGS
Theft, loss or misappropriation of valuable ite To ensure that payorder received against
Theft, loss or misappropriation of valuable ite To ensure that all the inward / outward cl
Theft, loss or misappropriation of valuable ite Check all inward clearing transactions ar
Theft, loss or misappropriation of valuable ite All sameCPU,
Ensure day clearing
clearing cheques (11:00 AM)
prior to acknowledging the receipt of cheques must verify t
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite the designated
Ensure Bag staff ofup
(s) are be picked CPU
by is aff authorized rider from CPU, Clearing a
NIFT’s
Theft, loss or misappropriation of valuable ite Check whether designated user in CPU, Clearing compile MIS batch wise for uplo
Theft, loss or misappropriation of valuable ite
Check whether designated user in CPU match branch SOFT copies with NIFT sc
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite Ensure
Check whether supervisor
all BT related upload the
transactions tranCredit Cards) are posted manually by th
(PSO/
Theft, loss or misappropriation of valuable ite Check upon receipt of outward clearing return alternatively CPU prepare soft cop
Theft, loss or misappropriation of valuable ite Check whether transactions (Credit or Debit) which are rejected after processing
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite CPU
Ensure willwhether
ensure system
that Payee account isreport
is generating cre on debit vouchers for all debit/ credit
Theft, loss or misappropriation of valuable ite Check whether outward clearing is considered balanced if the total amount of rea
Theft, loss or misappropriation of valuable ite Check whether difference between total amount of outward clearing & NIFT shee
Theft, loss or misappropriation of valuable ite Ensure that after balancing of Outward Clearing entries with NIFT clearing sheet,
Theft, loss or misappropriation of valuable ite Check whether CPU, clearing is debiting respective settlement account & creditin
Theft, loss or misappropriation of valuable ite Ensure whether deposit Settlement Account is credited by CPU- Clearing upon re
Theft, loss or misappropriation of valuable ite Check whether CPU Collection is debiting Deposit Settlement Account and crediti
Theft, loss or misappropriation of valuable ite Ensure an excel sheet is being created, showing amount & account numbers and
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite Details of all returned cheques will also
Theft, loss or misappropriation of valuable ite Returned Instruments should be handed ove
Theft, loss or misappropriation of valuable ite Branch wise deposit
Check whether slips / voucher
designated clearing bundl
staff cross check all transactions through syst
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite Ensure
Check whether
whetherevidence of theofsame
reconciliation RTGS isA/C
pro (outward/inward) is carried out daily a
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite Ensure crossed/payee account cheque verifi
Theft, loss or misappropriation of valuable ite Ensure
Assistant cheque
Managerdrawn on dormant
Unlimitedaccount
Theft, loss or misappropriation of valuable ite Manager CPU Unlimited
Theft, loss or misappropriation of valuable ite To ensure that transactions should not be
Theft, loss or misappropriation of valuable ite Ensure clearing stamp/endorsement stamp
Theft, loss or misappropriation of valuable ite Check instruments received after 3:30 p.
Theft, loss or misappropriation of valuable ite Check in case of difference if any, same
Theft, loss or misappropriation of valuable ite Check crediting fate against instruments i
Theft, loss or misappropriation of valuable ite In case of fate received against dormant/
Theft, loss or misappropriation of valuable ite After balancing of outward clearing with
Theft, loss or misappropriation of valuable ite Branch wise deposit slips and voucher bu
Theft, loss or misappropriation of valuable ite Cheque returned in outward clearing are k
Theft, loss or misappropriation of valuable ite To ensure that CPU will accept US$ chequ
Theft, loss or misappropriation of valuable ite The cheques received from various branc
Theft, loss or misappropriation of valuable ite Ensure while accepting cheques for cleari
Theft, loss or misappropriation of valuable ite To ensure that clearing stamp should be
Theft, loss or misappropriation of valuable ite In case of clearing stamp of any other FBL
Theft, loss or misappropriation of valuable ite To ensure in case of any discrepancy, the
Theft, loss or misappropriation of valuable ite To ensure that charges should be recove
Theft, loss or misappropriation of valuable ite For USD clearing cheques (both convent
Theft, loss or misappropriation of valuable ite To ensure that copies of retuned cheque
Theft, loss or misappropriation of valuable ite To ensrue that cheque received in FCY In
Theft, loss or misappropriation of valuable ite Customer signatures should be verified as
Theft, loss or misappropriation of valuable ite To ensure that if cheque is in order CPU
Theft, loss or misappropriation of valuable ite If the cheque is returned for any reason
Theft, loss or misappropriation of valuable ite Cheque returned charges can be recover
Theft, loss or misappropriation of valuable ite PRI
To ensure that paid cheques should be kept
Remittances
Customer instructions or complaints not proceObtain list of authorized branches & authorized/active agents for processing of FR
Customer instructions or complaints not proceCheck system
Test does uniquedata
remittance loginprovided
IDs and by
passwor
the Exchange companies or foreign banks
Customer instructions or complaints not proce
Customer instructions or complaints not proceTest does system's generated receipt bea
Customer instructions or complaints not proceDid Financial Institution forward all se
Customer instructions or complaints not proceAre the SBP approval sought from SBP f
Customer instructions or complaints not proceTest
Test does FRC system
remmitter namealso&generates
beneficaryUniname is checked for OFAC & UNSC list b
Customer instructions or complaints not proce
Customer instructions or complaints not proceCheck
Test doesdoes CMO
name oftimely update
remitter,his OFAC & purpose
sources UNS of funds are provided by the ex
Customer instructions or complaints not proceCheck in case of beneficiary name not verified under OFAC or UNSC list, CMO h
Customer instructions or complaints not proce
Customer instructions or complaints not proceIn the case
Check of aofPotential
in case positive Match where
hits under C
OFAC/UNSC funds remained held in PRI su
Customer instructions or complaints not proce
Customer instructions or complaints not proceTest if payments are made through PO to t
Customer instructions or complaints not proceCheck that FRC filtered Instruments issu
Customer instructions or complaints not proceIn case of Payment Order return (due to
Customer instructions or complaints not proceTest applicable FED on issuance of PO a
Customer instructions or complaints not proceTest on the day of RDD received from ex
Customer instructions or complaints not proceTest PO issued after 6 months are moved i
Customer instructions or complaints not proceTest In case any instruction is not valid
Customer instructions or complaints not proceTest all transactions landed in different
Customer instructions or complaints not proceCheck that exchange company's consent ha
Customer instructions or complaints not proceCheck that the OFAC & UNSC screening of
Customer instructions or complaints not proceTest
Funds in remitted
case beneficiary's
=<2.5M Rs. account standto EDD. Transactions purpose reflective o
are subject
Customer instructions or complaints not proce
Customer instructions or complaints not proceIn case of any dispute a informative restr
Customer instructions or complaints not proceEnsure that the purpose of remittance is
Customer instructions or complaints not proceCheck does CMO send monthly MIS of all PRI transactions above Rs. 2.5M recei
Customer instructions or complaints not proceTest in case of transactions cancelled on
Customer instructions or complaints not proceTest all transactions
2) User are reconciled
activity logs with respect to on dai
activities
Customer instructions or complaints not proce3) Error Log for all errors are maintained by function
Customer instructions or complaints not proceCheck all PRI transactions are reported to
Customer instructions or complaints not proceEnquire about the training provided to
Customer instructions or complaints not proceEnquire & get aware about performance th
Customer instructions or complaints not proceEnsure that complaint management module
Customer instructions or complaints not proceTest method of calculating rebate on FRC
Customer instructions or complaints not proceEnquire about the in
Internal Transfers Remittance
Bulk payment file
Customer instructions or complaints not proceObtain list of Cash link customers & evaluate/asses their voulume of business for
Customer instructions or complaints not proceObtain list of Cash link customers on-bo
Customer instructions or complaints not proceTest that transactions received till 04:
Customer instructions or complaints not proceTest scrutiny of Transaction done by the
Customer instructions or complaints not proceTest designated staff process the transac
Customer instructions or complaints not proceTest at the day end reconciliation to che
Customer instructions or complaints not proceTest scrutiny of Transaction done by the
Customer instructions or complaints not proceCheck supervisor authorized tansactions
Customer instructions or complaints not proceTest CL PO outstanding report and GL acc
Customer instructions or complaints not proceTest at dayCancellation
Pay Order end reconciliations carried ou
Customer instructions or complaints not proceCheck bulk cancellation request catered by CMO accompanying Client written req
Customer instructions or complaints not proceTest in case of beneficiary is a Governme
Customer instructions or complaints not proceTest funds are credited in the same acco
Customer instructions or complaints not proceTest supervisor
Duplicate Issuanceauthorises
of Lost transactions
Pay Orders and
Customer instructions or complaints not proceTest Incase of PO lost reported,Client has provided written request signed by auth
Customer instructions or complaints not proceTest customer’s indemnity on legal bond p
Customer instructions or complaints not proceAre the duplicate
Issuance of LCY DDsPO issued
in Bulkwith
fromthe narr
TCSS/SYMBOLS Account
Customer instructions or complaints not proceTest scrutiny of transactions is done by CMO user and ensure that all the credent
Customer instructions or complaints not proceTest LCY-DD are issued by FBL payable
Customer instructions or complaints not proceTest
FCY LCY-DD of over & above Rs. 200,000/
DDs Issuance
Customer instructions or complaints not proceTest DD Issuance Request received at CMO through CSC / branches as original o
Customer instructions or complaints not proceTest transactions scrutinized by the user
Customer instructions or complaints not proceCheck
FCY DD CMO supervisor
Cancellation ensured treasury
/ Treastment of LostrePay Orders
Customer instructions or complaints not proceTest & evaluate on issuance of FDD funds are moved from DD payable account t
Customer instructions or complaints not proceTest customer’s indemnity on legal bond p
Customer instructions or complaints not proceTest cancellation all FCY-DD outstanding
Customer instructions or complaints not proceTest for lost FCY-DDs,SWIFT message was
Customer instructions or complaints not proceAre
• Forthe
Payprocessor
Orders / issue
Drafts,a transaction
duplicate draft w “PAID” appearing in the report.
status
Customer instructions or complaints not proceCash
• For Cheques,
Link Cheques transactions status “PAY” appearing in the report
Customer instructions or complaints not proceCheck instruments printed at Client's premises do not carry authorized signatories
Customer instructions or complaints not proceTest Cheque transaction printing rights ar
Customer instructions or complaints not proceTest CMO user print the report and ensure
Customer instructions or complaints not proceTest CMO delivers the instruments to Bran
Customer instructions or complaints not proceTest
CashCheques
Link Paynot presented
Orders / DemandwihinDrafts
period of six months/time barred instruments a
Customer instructions or complaints not proceTest after the approval CMO user can print the PO/DD and also print the report an
Customer instructions or complaints not proceTest Unclaimed
Processing PO are surrendered
of Structured Collection to SB
Customer instructions or complaints not proceTest designated staff properly scuritinizes cheques, deposit slips from clearing de
Customer instructions or complaints not proceTest supervisor authorises transactions i
Customer instructions or complaints not proceAre the CMO staff scanning all the Instru
Others
Customer instructions or complaints not proceTest all income generated via CMO are tagged to profit center of CMU under GL
Customer instructions or complaints not proceTest bulk pre-printed stock of security stationery is kept in safe vault under dual cu
Customer instructions or complaints not proceReview the delivery process of printed ins
Customer instructions or complaints not proceTest audit shall logs
Test designated are maintained
Officer/Assistant for 1
Manager/Manager of CPU upon receiving DSC/
Customer instructions or complaints not proceTest whether processing user process DSC/ SSC issuance application after prope
Customer instructions or complaints not proce
Customer instructions or complaints not proceTest
check user
that enter
excelthe details
based of certificate
record on fortnightly basis is maintained duly signed by co
Customer instructions or complaints not proceTest designated User of CPU to issue Sale / Registration number on the applicati
Customer instructions or complaints not proceDesignated Officer/Assistant Manager/Manager of CPU must ensure that all DSC
Customer instructions or complaints not proce
Customer instructions or complaints not proceDoes
Does designated
Supervisor CPU supervisor
submitverify
sale amoun
statement to State Bank of Pakistan (SBP) Pu
Customer instructions or complaints not proceDesignated staff at CPU or Supervisor will submit the month wise sale report on t
Customer instructions or complaints not proceManager or Supervisor must ensure that sale/encashment/premature encashmen
Customer instructions or complaints not proceLikewise, statement of certificates transferred & duplicate issued will also be repo
Customer instructions or complaints not proce
Customer instructions or complaints not proceCheck stock of SSC/DSC certficate are physically balance with the balance as pe
Customer instructions or complaints not proceFor obtaining fresh stock of SSC/DSC from
Customer instructions or complaints not proceTest stock cards are updated as soon as r
Customer instructions or complaints not proceTest how does CPU manager ensures daily
Customer instructions or complaints not proceTest does Commission @0.50% were claimed
Customer instructions or complaints not proceTest does CPU carry out monthly balanci
Customer instructions or complaints not proceThough DSC/SSC are encashable at par any
Customer instructions or complaints not proceTest that appliacble WHT @10% recovered
Customer instructions or complaints not proceCheck that Designated Officer/Assistant
Customer instructions or complaints not proceCheck that Once the relevant financial ent
Customer instructions or complaints not proceEnsure that Designated User of CPU to issu
Customer instructions or complaints not proceCheck that Designated staff of CPU, woul
Customer instructions or complaints not proceCheck that Designated staff of CPU would
Customer instructions or complaints not proceCheck that Concerned Assistant Manager/Su
Customer instructions or complaints not proceDesignated staff or Respective Supervisor
Customer instructions or complaints not proceDesignated staff of CPU must ensure markin
Customer instructions or complaints not proceDesignated Officer/Assistant Manager/Mana
Customer instructions or complaints not proceEnsure
Check thatthatproper
On theentries
next working day, the
are passed designated
by the officer
designated or Supervisor
officer CPU
of CPU while w
depo
Customer instructions or complaints not proce
Customer instructions or complaints not proceTest
Check DSC/SSC issuance request
that all discrepant issuance received
applications would be sent back by CPU to res
Customer instructions or complaints not proce
Customer instructions or complaints not proceIn case of transferrable/re-issuable case
Customer instructions or complaints not proceIn case certificate is lost, or destroyed,
Customer instructions or complaints not proceDesignated officer of CPU while receivin
Customer instructions or complaints not proceCheck that after scrutiny of encashment on
Customer instructions or complaints not proceAn email addressed to respective branch w
Customer instructions or complaints not proceTest in case of premature encahement, du
Customer instructions or complaints not proceTest that for encashement of SSC profit
Customer instructions or complaints not proceBank is required to disbursed principal/pr
Customer instructions or complaints not proceTest Claim schedule on "Annexure C" was
Customer instructions or complaints not proceSettlement of claims for encashment /prof
Customer instructions or complaints not proceTest that Certificates are properly endor
Customer instructions or complaints not proceTest In case Ramdan falls during the ten
Customer instructions or complaints not proceTest in trasnferred cases of SSC in the n
Customer instructions or complaints not proceTest SSC transfer charges were recover
Customer instructions or complaints not proceTest in case of marking lien favoring oth
Customer instructions or complaints not proceTest that CPU has marked stamp of "lien m
Customer instructions or complaints not proceTest supervisor of CPU has placed his sig
Customer instructions or complaints not proceTest
Termwhile releasing
Deposit Issuancelien marked earlier d
Customer instructions or complaints not proceIn
Test thatofalarge
case valid Corporate
customer account
Depositsisonmaintained
selective at anyespecially
basis of FBL branch
whoseprior
full to issu
move
Customer instructions or complaints not proce
Customer instructions or complaints not proceTest on sample basis that Account title
Customer instructions or complaints not proceCheck
Ensurethat
thatoriginal
customer TDR application
cheque for TDR carry
application is not provided by customer.
Customer instructions or complaints not proceAny cutting, overwriting or alteration on Term Deposit issuance application must b
Customer instructions or complaints not proceBSM/ or his her backup of concerned Branch while forwarding Term Deposit issu
Customer instructions or complaints not proce
Customer instructions or complaints not proceCheck that in case of TDR booked at spec
Customer instructions or complaints not proceCeck that placement of TDR from photo ac
Customer instructions or complaints not proceEnsure
Ensure that original
the TDRapplication is also
relations with deposits of PKR 2M and above are not
Customer instructions or complaints not proceclassified as Pre-Defined Neutral
Customer instructions or complaints not proceTest that designated staff of CPU has mentioned date and their initials by affixing
Customer instructions or complaints not proceTest that all Term Deposits processed du
Customer instructions or complaints not proceTest that concerned
Designated supervisor
staff of CPU reviewsshall
Term Deposit an courier the all Term Deposits receipt c
Customer instructions or complaints not proce
Customer instructions or complaints not proceTest does CPU maintains an MIS for all TD
Customer instructions or complaints not proceTDR applications processed during the da
Customer instructions or complaints not proceNo Term Deposit will be issued by CPU, Te
Customer instructions or complaints not proceNo Term Deposit will be issued by CPU, T
Customer instructions or complaints not proce All Term Deposit issuance applications r
Customer instructions or complaints not proceApplications receivedreceived
In case any request above cut-off time
from customer for issuance of duplicate TDR. CPU
Customer instructions or complaints not proceRoll Over at Rack Rate
Customer instructions or complaints not proceDesignated
System shallstaff automatically renew/rollover
shall generate the Term
the confirmation Deposit
advices of Receipts on due date
Customer instructions or complaints not procerenewed/rollover TDRs on daily basis and send the same to respective customers
Customer instructions or complaints not proceTest that CPU staff cross verify renewe
Customer instructions or complaints not proceTest that upon
Roll Over maturity
at Special Ratedoes system automat
Customer instructions or complaints not proceTest that Approval for the special rates were obtained by the branch and copy of t
Customer instructions or complaints not proceRelevant information & written approval of special rates from relevant approving a
Customer instructions or complaints not proceConcerned branches/business must ensure
Customer instructions or complaints not proceDesignated staff will extract KM generate
Customer instructions or complaints not proceTest TDRsofatTerm
Renewal special ratesHeld
Deposit and Under
withoutLien
rol (Rack Rate)
Customer instructions or complaints not proceTest that CPU staff, upon receiving renewal instructions from CAD ensures that sa
Customer instructions or complaints not proceTest that CPU ensures that "under lien"
Customer instructions or complaints not proceTest that in
Payment at case of TDRs under lien onl
Maturity
Customer instructions or complaints not proceTest that does system pay Principal plus profit earned minus applicable Zakat and
Customer instructions or complaints not proceTest that designated staff of respective
Customer instructions or complaints not proceTest that instructions received by 5:00 p
Customer instructions or complaints not proceTest that User or Supervisor of CPU, cro
Customer instructions or complaints not proceTest that user affixed PAID "Premature En
Customer instructions or complaints not proceTest that profit would be manually(Excel ba
Customer instructions or complaints not proceTest that penalty charges are recovered a
Customer instructions or complaints not proceIn case penalty
Premature amount exceeds
encashment profit ea
penalty waiver and encashment on booking rate rest with
Customer instructions or complaints not proceUnder Lien Prematured Encashment (Symbols)
Customer instructions or complaints not proceTest that customer request for premature encashment of TDR after settling liabiliti
Customer instructions or complaints not proceTest that prior release of Term Deposit,
Customer instructions or complaints not proceTest
Lien that designated
Marking on TDRstaff affixed PAID "P
Customer instructions or complaints not proceUpon
Lien Removal onlien
receipt of marking request email from branch, Assistant Manager/ Mana
TDR
Check UponOPENING
Customer instructions or complaints not proceACCOUNT receipt of email from CAD for lien removal, Assistant Manager/ Mana
Accounts are opened for fraudulent purposes/Have all the required fields of CRF including CPF & RAF been properly filled as p
Accounts are opened for fraudulent purposes/Are required documents attached with account op
Accounts are opened for fraudulent purposes/Has NTN been mentioned in the employment
Accounts are opened for fraudulent purposes/Is NTN verified from FBR website & proof
Accounts are opened for fraudulent purposes/Ensure that AMU maintained data of acc
Accounts are opened for fraudulent purposes/Ensure
-Date ofthat
birthOnce
Datethe original CRF
of issuance & othe
& expiry.
Accounts are opened for fraudulent purposes/-Mother maiden name (individual natural person only)
Accounts are opened for fraudulent purposes/Does CPU designated staff verify entity
Accounts are opened for fraudulent purposes/Does CPU Service
-Individual designated staff maintain a list
Charge
Accounts are opened for fraudulent purposes/-Zakat exemption
Accounts are opened for fraudulent purposes/Does CPU Supervisor attach scanned copy
Accounts are opened for fraudulent purposes/Does CPU designated staff generate Letter
Accounts are opened for fraudulent purposes/When Letter of Thanks returned undelivere
Accounts are opened for fraudulent purposes/Ensure that AMU send SMS to all custome
Accounts are opened for fraudulent purposes/Ensure that once the account opened suc
Accounts are opened for fraudulent purposes/Does designated staff advise through an e
Accounts are opened for fraudulent purposes/Designated staff to correctly capture the
Accounts are opened for fraudulent purposes/Does designated staff evidence that the
Accounts are opened for fraudulent purposes/Copy of Letter of Thanks sent on updated
Accounts are opened for fraudulent purposes/Designated staff of CPU, Account Mainten
Accounts are opened for fraudulent purposes/Ensure that in case of any subsequent qu
Accounts are opened for fraudulent purposes/Ensure
Hold Mailthat AMU marked EDR restraint (fo
Account
Accounts are opened for fraudulent purposes/MINOR
Ensure that customers availed hold mail facility (special cases) with the prior appr
ACCOUNTS
Accounts are opened for fraudulent purposes/A new client will be opened in the name of the minor in SYMBOLS via SEIBEL sy
Accounts are opened for fraudulent purposes/To check at the time of account opening th
Accounts are opened for fraudulent purposes/Ensure that Guardian Client number inputte
Accounts are opened for fraudulent purposes/AMU to mark discount on Zakat service t
Accounts are opened for fraudulent purposes/A letter will be sent to the Guardian & Mi
Accounts are opened for fraudulent purposes/The system would block all debit transact
Accounts are opened for fraudulent purposes/For all new accounts CPU would put an acco
Accounts are opened for fraudulent purposes/At the time of closing of minor account Th
Accounts are opened for fraudulent purposes/Ensure
PENSIONERthat a ACCOUNTS
new account of Minor (who t
Accounts are opened for fraudulent purposes/Are certificates of pensioners received from branches kept with the CRF of the cu
Accounts are opened for fraudulent purposes/Ensure that Client Acceptance & AML / CF
Accounts are opened for fraudulent purposes/While opening
-Sahulat Current the063
client for new custome
Accounts are opened for fraudulent purposes/-PLS Savings 103
Accounts are opened for fraudulent purposes/CPU will mark informatory restraint statin
Accounts are opened for fraudulent purposes/The expiry date of the restraint/ should be
Accounts are opened for fraudulent purposes/CPU should place the account block restrai
Accounts are opened for fraudulent purposes/CPU would generate report on weekly basis
Accounts are opened for fraudulent purposes/CPU are required to carry out quarterly r
Accounts are opened for fraudulent purposes/Reconciliation statement shall be signed
Accounts are opened for fraudulent purposes/CPU/Branch upon receipt of notification(de
Accounts are opened for fraudulent purposes/Funds will only be released upon receipt o
Accounts are opened for fraudulent purposes/If no activity in account is observed dur
Accounts are opened for fraudulent purposes/CPU will ensure/ minimum
*No restrictions TD Account balance Service
/ Locker or any other banking relationship is attache
Accounts are opened for fraudulent purposes/*Account closing request is duly checked and approved by Branch Service Manag
Accounts are opened for fraudulent purposes/Account closing application along with re
Accounts are opened for fraudulent purposes/Respective Supervisor or Assistant Manage
Accounts are opened for fraudulent purposes/Ensure that, account closing application
Accounts are opened for fraudulent purposes/Account will be closed in the system and a
Accounts are opened for fraudulent purposes/AMU will prepare a MIS and share the det
Accounts are opened for fraudulent purposes/Account closing stamp with date of accoun
Accounts are opened for fraudulent purposes/At the end of each day, Account closing
Accounts are opened for fraudulent purposes/Designated staff of CPU, Account Mainten
Accounts are opened for fraudulent purposes/Branch wise Account closing box files wil
Accounts are opened for fraudulent purposes/Ensure that for accounts with nominal b
Accounts are opened for fraudulent purposes/Ensure that an email to this effect sent
Accounts are opened for fraudulent purposes/CPU - Account Maintenance upon receipt
Accounts are opened for fraudulent purposes/In case CPU or any other relevant unit is
Accounts are opened for fraudulent purposes/CPUs and other relevant units and departm
Accounts are opened for fraudulent purposes/CPU and any other relevant unit shall, how
Accounts are opened for fraudulent purposes/CPU will receive
c) Identify IR, PEP,
and Verify Neutraldocument
the identity and PDN of the funds provider (i.e. CNIC / NICO
Accounts are opened for fraudulent purposes/CHANGE IN SIGNATURES/ AMENDMENTS IN CLIENT/ ACCOUNT
Unauthorised or fraudulent amendments madeAre all change requests received through Seibel System?
Unauthorised or fraudulent amendments madeAMU Officer must ensure that applications
Unauthorised or fraudulent amendments madeAftering processing, customer Request wi
Unauthorised or fraudulent amendments madeAre all amendment requests will be check
Unauthorised or fraudulent amendments madeUpon receipt of Original requests, designa
Unauthorised or fraudulent amendments madeEnsure that SR number must be mentione
Unauthorised or fraudulent amendments madeIn case of deletion of a signature from a
Unauthorised or fraudulent amendments madeIf a letter signed by the Company Secreta
Unauthorised or fraudulent amendments madeIn case of change in address, copy of uti
Unauthorised or fraudulent amendments madeSubsequent to required amendments in sys
Unauthorised or fraudulent amendments madeAll amendment requests will be forwarded
Unauthorised or fraudulent amendments madeCHANGE
In case of OF
change in address,
ACCOUNT TITLE Designated
Unauthorised or fraudulent amendments madeFor individuals title should match with the ID document.
Unauthorised or fraudulent amendments madeReceived request letter stating the reaso
Unauthorised or fraudulent amendments madeEnsure that Original seen CNICs copy wit
Unauthorised or fraudulent amendments madeFor individuals Verification to be done t
Unauthorised or fraudulent amendments madeOriginal
For proprietership
CNICs copies& unregistered partner
of all Partners. BM/RM to ensure that original seen stamp
Certified true
Unauthorised or fraudulent amendments made*Address copy of only
Verification recorded statement
in case of registrar
of address change of the firm specifying the alte
Unauthorised or fraudulent amendments made*KYC as per CAAML Procedure.
Unauthorised or fraudulent amendments madeEnsure that where address of the custo
Unauthorised or fraudulent amendments madeDesignated staff at CPU will scrutinize
Unauthorised or fraudulent amendments madeAll such requests must be jointly signed
Unauthorised or fraudulent amendments madeEXPIRED
DesignatedCNICstaff at CPU would file the C
Unauthorised or fraudulent amendments madeOn Monthly basis CPU-AMU will generate report of customers whose identificatio
Unauthorised or fraudulent amendments madeCPU Account Maintenance will print and di
Unauthorised or fraudulent amendments madeIn case mail gets returned then the ac
Unauthorised or fraudulent amendments madeDid CPU Account Maintenance forward file
Unauthorised or fraudulent amendments madeSMS Vendor will forward SMS to respecti
Unauthorised or fraudulent amendments madeEnsure that CPU obtained confirmation
Unauthorised or fraudulent amendments madeCPU Will maintain provided SMS logs recor
Unauthorised or fraudulent amendments madeCPU will generate expired CNIC report (P
Unauthorised or fraudulent amendments madeSimilarly records of expired Passport (if
Unauthorised or fraudulent amendments madeDesignated CPU staff will manually check
Unauthorised or fraudulent amendments madeAMU share data of 65 years above custom
Unauthorised or fraudulent amendments madeAll follow up letters through mail merge
Unauthorised or fraudulent amendments madeSigned copy of system generated report, us
Unauthorised or fraudulent amendments madeAMU will extract a copy of VERISYS to che
Unauthorised or fraudulent amendments madeAMU would make a second attempt to extra
Unauthorised or fraudulent amendments madeA copy of the VERISYS will be attached w
Unauthorised or fraudulent amendments madeA list of PARTY
THIRD all accounts where the CNICs sti
MANDATE
Unauthorised or fraudulent amendments madeBranch RM/RO will obtain third party mandate / power of attorney from customer
Unauthorised or fraudulent amendments madeChange required by the customer in text
Unauthorised or fraudulent amendments madeE banking services will not be allowed to
Unauthorised or fraudulent amendments madeOnly supplementary card can be issued to
Unauthorised or fraudulent amendments madeBranch must obtain CNIC and ensure that t
Unauthorised or fraudulent amendments madeScreening of the mandate/POA, KYC & R
Unauthorised or fraudulent amendments madeUpon receipt of the Mandate/POA and relev
Unauthorised or fraudulent amendments madeDesignated staff of CPU will scan the sig
Unauthorised or fraudulent amendments madeRevocation
All the Documents will be
of Mandate bykept in separat
Customer
Unauthorised or fraudulent amendments madeAll scan document forward to AMU LHR to delete /remove his/her signature from
Unauthorised or fraudulent amendments madeAMU LHR also forwards a letter to custom
Unauthorised or fraudulent amendments madeIn FAX case of any dispute found between acco
INDEMNITY
Unauthorised or fraudulent amendments madeThis facility should only be provided to selective customers on the basis of approv
Unauthorised or fraudulent amendments madeOriginal should be couriered to CPU - Ac
Unauthorised or fraudulent amendments madeUpon receiving FAX Indemnity documents,
Unauthorised or fraudulent amendments madeCPU account maintenance to update fax i
Unauthorised or fraudulent amendments madeA copy from original CNIC will be taken from the Supplementary card holder to ve
Unauthorised or fraudulent amendments madeDuly filled & approved CRFs / ARF will be
Unauthorised or fraudulent amendments madeEnsure CPU tag the customer with respecti
Unauthorised or fraudulent amendments madeDesignated supervisor at CPU will cross ch
Unauthorised or fraudulent amendments madeDORMANT
Verified formACCOUNTS
duly signed by BSM / Branc
Unauthorised or fraudulent amendments madeCPU, Account maintenance shall extract prior dormancy report on daily basis and
Unauthorised or fraudulent amendments madeCPU Account Maintenance will print and d
Unauthorised or fraudulent amendments madeCPU Account Maintenance will forward fil
Unauthorised or fraudulent amendments madeADC Ops. will forward file to SMS vendor
Unauthorised or fraudulent amendments madeSMS Vendor will forward SMS to respecti
Unauthorised or fraudulent amendments madeCPU Will maintain provided SMS logs recor
Unauthorised or fraudulent amendments madeIt is responsibility of ADC Ops to provi
Unauthorised or fraudulent amendments madeFor accounts other than Individual/Joint/
Unauthorised or fraudulent amendments madeIn case if mail gets returned then the a
Unauthorised or fraudulent amendments madeCPU-AMU shall extract report when an acco
Unauthorised or fraudulent amendments madeCPU - Account Maintenance will extract th
Unauthorised or fraudulent amendments madeLikewise,
c. An outward status change report
Remittance shall also
Transaction received at the branch / CSC / CPU
Unauthorised or fraudulent amendments made
Unauthorised or fraudulent amendments madeEnsure that bank charges other than serv
Unauthorised or fraudulent amendments madeCPU Account Maintenance (AMU) will activ
Unauthorised or fraudulent amendments madeIn case where account reflect restraint
Unauthorised or fraudulent amendments madeAMU LHR will retrieve the system generated
Unauthorised or fraudulent amendments madeAMUHandlingLHRofwill generateInstructions
Customer report of all DORM
Customer instructions or complaints not proceHas standing instruction (SI) received at CPU been scrutinzed by the branch like
Customer instructions or complaints not proceHas original SI requests received in CP
Customer instructions or complaints not proceHas CPU reverted back to the branch for or
Customer instructions or complaints not proceDoes
in casedesignated officer at processing
of any discrepancy, unit
intimation to the branch via e-mail,
Customer instructions or complaints not procein case of insufficient funds in customer's account, to attach intimation e-mail sen
Customer instructions or complaints not proceHas processing department ensured to ded
Customer instructions or complaints not proceEnsure that no SI charges in case of co
Customer instructions or complaints not proceHas CPU authorizer checked the transacti
Customer instructions or complaints not proceHas CPU authorizer manually verified the a
Customer instructions or complaints not proceHas processor upon receipt of original do
Customer instructions or complaints not proceIs Daily transaction report (DTR) checke
Customer instructions or complaints not proceHas the CPU staff maintained all outstndi
Customer instructions or complaints not proceIn case of cancellation requests received
Customer instructions or complaints not proceHas CPU confirmed via e-mail to branch fo
Customer instructions or complaints not proceHas original SI cancellation requests re
Customer instructions or complaints not proceIs manual MIS remarks column for cancel
Customer instructions or complaints not proceHas CPU informed the branch via e-mail if
Customer instructions or complaints not proce
Customer instructions or complaints not proceEnsure that Immediately after Ramadan 1st,
Customer instructions or complaints not proceHas CPUClearing
Outward applied the cheque book in the
Theft, loss or misappropriation of valuable ite Has CPU staff,prior to acknowledging the receipt of cheques ensured to verify tha
Theft, loss or misappropriation of valuable ite Ensure that bags were picked up by the a
Theft, loss or misappropriation of valuable ite Has the designated user in CPU Clearing
Theft, loss or misappropriation of valuable ite Has designated user in CPU checked and
Theft, loss or misappropriation of valuable ite Are all BT related transactions (PSO/ Cre
Theft, loss or misappropriation of valuable ite Ensure that upon receipt of outward clear
Theft, loss or misappropriation of valuable ite Are transactions related to Outward Clea
Theft, loss or misappropriation of valuable ite Ensure all rejected transaction (restraint
Theft, loss or misappropriation of valuable ite Check that transaction posting and author
Theft, loss or misappropriation of valuable ite CPU will ensure that Payee account is cre
Theft, loss or misappropriation of valuable ite Are System report/ debit vouchers for all
Theft, loss or misappropriation of valuable ite Check if the outward clearing is balanced
Theft, loss or misappropriation of valuable ite Is outward clearing settlement GL credite
Theft, loss or misappropriation of valuable ite Has CPU, clearing debited respective se
Theft, loss or misappropriation of valuable ite Is deposit settlement Account credited by
Theft, loss or misappropriation of valuable ite Is an excel sheet showing amount, accoun
Theft, loss or misappropriation of valuable ite Are details of all returned cheques noted
Theft, loss or misappropriation of valuable ite Upon receipt of returned instruments, ha
Theft, loss or misappropriation of valuable ite Are branch wise deposit slips / voucher b
Theft, loss or misappropriation of valuable ite Has designated clearing staff crossed che
Theft, loss or misappropriation of valuable ite Is reconciliation
Inward Clearing of RTGS A/C (outward/in
Theft, loss or misappropriation of valuable ite Ensure that in case Clearing bags are improperly sealed/broken/tampered.CPU s
Theft, loss or misappropriation of valuable ite Is counting of instruments and verification
Theft, loss or misappropriation of valuable ite Is scrutiny of instrument i.e. checking of
Theft, loss or misappropriation of valuable ite Are Cheques, POs & DDs analyzed in ultra
Theft, loss or misappropriation of valuable ite Is verification of customers’ signatures o
Theft, loss or misappropriation of valuable ite Are all inward clearing cheques bearing
Theft, loss or misappropriation of valuable ite Is call back process followed for cheques
Theft, loss or misappropriation of valuable ite Ensure that CPU posts the transactions wi
Theft, loss or misappropriation of valuable ite In case funds have not been made availabl
Theft, loss or misappropriation of valuable ite Are cheques drawn on dormant accounts i
Theft, loss or misappropriation of valuable ite Are Cheque Return memos prepared in acc
Theft, loss or misappropriation of valuable ite Are cheque return charges recovered for
Theft, loss or misappropriation of valuable ite Are Returned cheque memos signed jointly
Theft, loss or misappropriation of valuable ite Are cheque
copies ofreturn
branch wise returned
charges reversedinstru
subject to approval of the same from compe
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite Is NIFT return bundle prepared stating th
Theft, loss or misappropriation of valuable ite Is process of balancing of inward clearing
Theft, loss or misappropriation of valuable ite Are all Inward Clearing transactions check
Theft, loss or misappropriation of valuable ite Is application of stamps on all cheques pa
Theft, loss or misappropriation of valuable ite Ensure that while claiming funds through
Theft, loss or misappropriation of valuable ite Is process of inward clearing upload foll
Theft, loss or misappropriation of valuable ite Ensure that Inward clearing files are ext
Theft, loss or misappropriation of valuable ite Are the I/W cheques scrutinized and signat
Theft, loss or misappropriation of valuable ite Are cheques of inward clearing uploaded /
Theft, loss or misappropriation of valuable ite Has user ensured that a/c# and amount of
Theft, loss or misappropriation of valuable ite Ensure that branch-wise inward clearing
Theft, loss or misappropriation of valuable ite Ensure that only standard cheques are u
Theft, loss or misappropriation of valuable ite Ensure after successfully up-loading supe
Theft, loss or misappropriation of valuable ite Ensure that rejected cheques due to prob
Theft, loss or misappropriation of valuable ite Payment and signature verification done
Theft, loss or misappropriation of valuable ite Are all honoured cheques kept in fire proof
Theft, loss or misappropriation of valuable ite Ensure that when fake/forged Instrument presented to CPU, CPU/ Designated br
Theft, loss or misappropriation of valuable ite Ensure that upon discovery of of fraudlan
Theft, loss or misappropriation of valuable ite Has fraud event reported to ORM as per
Theft, loss or misappropriation of valuable ite -Has designated
in case officer ofinCPU
of discerpancy affixed receiving
the instrument, matter(with
takentime
up &with
date) stamp after
respective ens
branch
Theft, loss or misappropriation of valuable ite -Has CPU officer held the instrument till remidial action or returned to branch in ca
Theft, loss or misappropriation of valuable ite Ensure that intercity clearing cheques of
Theft, loss or misappropriation of valuable ite Check that Specific Intercity clearing st
Theft, loss or misappropriation of valuable ite Intercity realizations will be checked by
Theft, loss or misappropriation of valuable ite Is the printout of MIS of Intercity clearin
Theft, loss or misappropriation of valuable ite Has the sealed bag handed over to NIFT's
Theft, loss or misappropriation of valuable ite Has the charges recovered as per SOC. Fo
Theft, loss or misappropriation of valuable ite Is realization date of cheque updated on
Theft, loss or misappropriation of valuable ite Are all vouchers of daily entries passed,
Theft, loss or misappropriation of valuable ite Is CPU checking and reconciling GL acco
Theft, loss or misappropriation of valuable ite Has designated CPU staff manuaaly debit the cheque retuen charges from custom
Theft, loss or misappropriation of valuable ite Has cheque return charges recovered agai
Theft, loss or misappropriation of valuable ite Is returned cheque register report excel
Theft, loss or misappropriation of valuable ite Has the copies of returned instruments &
Theft, loss or misappropriation of valuable ite Designated staff of respective CPU / Clea
Theft, loss or misappropriation of valuable ite Are returned cheques kept under dual cus
Theft, loss or misappropriation of valuable ite Is proper acknolwedgement obtained after
Theft, loss or misappropriation of valuable ite Has the date-wise
- required stamps aredeposit slip's
affixed on bundles
front and reverse side of all instruments by respe
Theft, loss or misappropriation of valuable ite - in case of any discrepancy, has matter taken up with respective branch and held
Theft, loss or misappropriation of valuable ite Has CPU lodged through intercity clearing
Theft, loss or misappropriation of valuable ite Has designated staff of CPU/Clearing Hub, entered the realzied outward collectio
Theft, loss or misappropriation of valuable ite Has all outward collection related transa
Theft, loss or misappropriation of valuable ite Has electronic journal report signed by
Theft, loss or misappropriation of valuable ite Are cheque returned charges recovered in
Theft, loss or misappropriation of valuable ite Have copies of the returned instruments a
Theft, loss or misappropriation of valuable ite Have the outward returned collection cheq
Theft, loss or misappropriation of valuable ite Have the Paid stamp along with date be aff
Theft, loss or misappropriation of valuable ite Has the date-wise deposit slip's bundles
Theft, loss or misappropriation of valuable ite Have LCY collection cheque charges/couri
Theft, loss or misappropriation of valuable ite Are all outstanding cases reported to M
Theft, loss or misappropriation of valuable ite Any case noted in which CPU fails to credit the payee’s account due to any reaso
Theft, loss or misappropriation of valuable ite Ensure that CPC payed markup @ 3% above
Theft, loss or misappropriation of valuable ite Banks shall resolve the clearing related issues/complaints within seven working d
II. The Clearing House shall convene a meeting of the Banks and resolve the disp
Theft, loss or misappropriation of valuable ite III. All such disputes shall not take more than fifteen working days from the date o
Theft, loss or misappropriation of valuable ite V.
Ensure that the
The copies ofdisputes
instrumentsthat &cannot
other be
relevant documents (where required) are ret
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite Ensure that collection schedule/letter t
Theft, loss or misappropriation of valuable ite Respective supervisor would verify the sa
Theft, loss or misappropriation of valuable ite Covering letter should be signed by two s
Theft, loss or misappropriation of valuable ite Ensure that he register will be reviewed
Theft, loss or misappropriation of valuable ite II.
Subsequent
Consolidated to processing of realized
liabilities against inst
the cheques returned unpaid on the day to be re
Theft, loss or misappropriation of valuable ite
Theft, loss or misappropriation of valuable ite COC return charges as prevailing in the
Theft, loss or misappropriation of valuable ite Monthly
Physical balancing
Access for the outstanding lia
Theft, loss or misappropriation of valuable ite Ensure that entrance of unauthorized person is restricted in CPU Vault area.
Theft, loss or misappropriation of valuable ite Ensure that designated clearing staff mus
Theft, loss or misappropriation of valuable ite Ensure that one officer of the CPU designa
Theft, loss or misappropriation of valuable ite Ensure that CCTV cameras cover CPU entry
Theft, loss or misappropriation of valuable ite Ensure that staff identify technicians be
Theft, loss or misappropriation of valuable ite Ensure that staff always lock their PCs wh
Theft, loss or misappropriation of valuable ite Ensure that the CCTV equipment installed
Theft, loss or misappropriation of valuable ite Ensure that external USB (Universal Seria
Theft, loss or misappropriation of valuable ite Ensure that keypad is installed on entrenc
Theft, loss or misappropriation of valuable ite Are the panic buttons installed in CPU (if
Theft, loss or misappropriation of valuable ite Ensure that alarm system and surveillance
Theft, loss or misappropriation of valuable ite Ensure necessary lights, sufficient for cl
Theft, loss or misappropriation of valuable ite Ensure that CPU must have emergency firs
Theft, loss or misappropriation of valuable ite Ensure that a portable fire extinguishers a
Theft, loss or misappropriation of valuable ite Ensure that any staff member is not allo
Theft, loss or misappropriation of valuable ite Ensure that staff follow the HR circular
User Security:
Unauthorised parties may obtain access to IT Obtain
s Organization
Role Definition Chart, JDs of all staff and their back ups. Obtain latest user p
Unauthorised parties may obtain access to IT Ares assigned roles to individuals matched with their JDs?
Unauthorised parties may obtain access to IT Ares all IDs authorized by respective line
Unauthorised parties may obtain access to IT Ensure
s that users must not share his/her
Unauthorised parties may obtain access to IT Is s every ID linked to a particular desk in
Unauthorised parties may obtain access to IT Is s the assignment of user rights based on
Unauthorised parties may obtain access to IT Ares conflicting roles assigned to any indiv
Unauthorised parties may obtain access to IT Ares dormant activation rights / role assign
Unauthorised parties may obtain access to IT Bi-Are
s Annual
entry and authorization
Review both rights gi
of User Roles
Unauthorised parties may obtain access to IT Ares defined IDs and assigned roles reviewed at least semi-annually, with a formal
Unauthorised parties may obtain access to IT Ares Exceptions
Creation (e.g. privilege
/ Modification of Userchange,
Id d
Unauthorised parties may obtain access to IT Ares only rights/roles that formally
Transfer/Termination/Resignation of Employeerequested are assigned to the IDs?
Unauthorised parties may obtain access to IT Does
s CPU manangement intimate to HR for any resignation or transfer?
Unauthorised parties may obtain access to IT Is s ID Management Team asked to disable
Unauthorised parties may obtain access to IT Does
s ID Management Team enable the empl
Unauthorised parties may obtain access to IT General
Does
s employee notify the ID Management Te
Unauthorised parties may obtain access to IT Ensure
s role / user ID rights not allocated without required approvals.
Unauthorised parties may obtain access to IT Have
s all employees given mandatory sign
Incorrect decision making Ensure that records of data of customer due diligence (e.g. CNIC, passport, drivin
Inadequate management monitoring. Is administration powers observed by bra
Inadequate management monitoring. Are relevant bills enclosed with expense
Inadequate management monitoring. Is visit book maintained by CPU?
Inadequate management monitoring. Is "Save As You Earned Policy" followed
The responsibilities and ownership of activitie Ensure that up to date job description of
The responsibilities and ownership of activitie Ensure that proper leave record is maintai
The responsibilities and ownership of activitie Ensure that staff follow the HR circular d
The responsibilities and ownership of activitie Ensure that bransh staff follow no smoking
The responsibilities and ownership of activitie Ensure leaves taken are in accordance wit
The responsibilities and ownership of activitie Ensure that in case of carryover of PL u
The responsibilities and ownership of activitie Ensure current year leave roster is on r
The responsibilities and ownership of activitie Ensure that all the leaves should be upd
The responsibilities and ownership of activitie Ensure in case staff is released before t
The responsibilities and ownership of activitie Ensure handing over / taking over procedur
The responsibilities and ownership of activitie Ensure staff wear bank I.D cards during of
The responsibilities and ownership of activitie Ensure that the CPU conducts training cou
Inaccurate, incomplete or fraudulent transact Ensure that proper back-up arrangement o
Inaccurate, incomplete or fraudulent transact Ensure business continuity plan properly
Inaccurate, incomplete or fraudulent transact Obtain the Business Continuity Plan of th
Inaccurate, incomplete or fraudulent transact Is fire drill carried out periodically?
Inaccurate, incomplete or fraudulent transact Ensure
Does the CPU
that staff familiariswith
CPU-clearing the BCPall the unclaimed & outstanding pay orde
reconciling
Un-settled entries for more than 30 days attr
Un-settled entries for more than 30 days attr Are
Checktheifproofs duly signed
the proofing by concerned
of all suspense accounts is conducted by the 5th of every m
Un-settled entries for more than 30 days attr Check if the entries booked in the Suspense Accounts are settled in the shortest p
Un-settled entries for more than 30 days attr
Un-settled entries for more than 30 days attr iii.
Is the concernedbank
Beneficiaries staff &ensured
Countrythat the D
is mentioned in Remittance application.
Inaccurate incomplete or fraudulent transacti iv. A Purpose
SystemofTrack
Remittance is mentioned
Audit Number in the
(reference payment
number) chain/message.
(STAN) which should be a u
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti Ensure that screening of transactions wit
Inaccurate incomplete or fraudulent transacti Upon receiving intimation from AML team
Inaccurate incomplete or fraudulent transacti CPU on a daily basis will obtain Nostro a
Inaccurate incomplete or fraudulent transacti Designated
Manager -->staff of CPU, Remittances
USD15,001/- wou
(or equivalent in other CCY) and above
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti Designated staff would extract and take
Inaccurate incomplete or fraudulent transacti Ensure that transmitted copies of all SW
Inaccurate incomplete or fraudulent transacti All Outward Remittance transactions must
Inaccurate incomplete or fraudulent transacti Respective Supervisor or Assistant Manag
Inaccurate incomplete or fraudulent transacti All queries and correspondence with Nast
Inaccurate incomplete or fraudulent transacti v.Designated
Amount isstaff of CPU,
checked withRemittances wou number (field 20 of the MT103 with N
SWIFT reference
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti In case of any discrepancy in SWIFT MT 1
Inaccurate incomplete or fraudulent transacti In case of any restraint such as dormant
Inaccurate incomplete or fraudulent transacti All Inward remittances transactions posted i
Inaccurate incomplete or fraudulent transacti Designated staff of CPU, Remittances mus
Inaccurate incomplete or fraudulent transacti Designated staff/Assistant Manager /Manag
Inaccurate incomplete or fraudulent transacti All processed Inward remittances along wi
Inaccurate incomplete or fraudulent transacti Designated staff of CPU, Remittances wou
Inaccurate incomplete or fraudulent transacti Designated staff or respective Assistant
Inaccurate incomplete or fraudulent transacti CPU, Remittances would also send inward
Inaccurate incomplete or fraudulent transacti Monthly Foreign Exchange returns would be prepared and submitted to State Ban
Inaccurate incomplete or fraudulent transacti Subsequent to posting of all forms in Fo
Inaccurate incomplete or fraudulent transacti Designated staff of CPU, Remittances must
Inaccurate incomplete or fraudulent transacti Respective Supervisor and / or Assistant
Inaccurate incomplete or fraudulent transacti Inward
Designated staff or respective Supervisor
Remittance
Inaccurate incomplete or fraudulent transacti Select a sample of inward remittances received and check that particulars of INW
Inaccurate incomplete or fraudulent transacti To ensure that all the SWIFT (MT 103/202)
Inaccurate incomplete or fraudulent transacti The message should be date & time sta
Inaccurate incomplete or fraudulent transacti To ensure that complete information of
Inaccurate incomplete or fraudulent transacti Are the remittanes is in accordance with
Inaccurate incomplete or fraudulent transacti To ensure that name of beneficiary, orde
Inaccurate incomplete or fraudulent transacti Value Date of Message is checked for po
Inaccurate incomplete or fraudulent transacti To ensure that amount Checking with SWIF
Inaccurate incomplete or fraudulent transacti To ensure that beneficiary’s name & acc
Inaccurate incomplete or fraudulent transacti To ensure
All that in case
such remittances of discrepacny
would in to the remitting Bank by authorizing resp
be sent back
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti Ensure that messages
Inward remittances are complete
(foreign currency in
toall r
foreign currency) ≤ $ 10,000/- (or equivale
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti sendsend
CPU, Remittances would also the name of t of the beneficiary, account number,
the name
Inaccurate incomplete or fraudulent transacti Branch Manager/ RM/Branch Service Manager/designated officer of respective B
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti To ensure that CPU designated staff woul
Inaccurate incomplete or fraudulent transacti To ensure that in case of any restraint i
Inaccurate incomplete or fraudulent transacti To ensure that daily transactions
Manager/Sr.Manager report (or equivalent) and above
> USD 25,001.00
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti To ensure
Ensure thatthat all the remittances
a designated proce Manager /Manager CPU, Remittances m
staff/Assistant
Inaccurate incomplete or fraudulent transacti inward remittances received on the next working
In case a credit is given in Nostro activity daySWIFT
report but to avoid any possible
MT-103 duplicis
of the same
Inaccurate incomplete or fraudulent transacti Designated staff or Assistant Manager CPU, Remittances would debit customer a
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti To ensure that staff should update currenc
Inaccurate incomplete or fraudulent transacti To ensure that
Designated staff
staff should
of CPU enter schedul
remittances while submitting the relevant forms to SBP m
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti Ensure that in case where the concerned
Inaccurate incomplete or fraudulent transacti Ensure
Purposethat particulars of
of Remittance beneficiaries
along with complete details of ordering customer and othe
Inaccurate incomplete or fraudulent transacti Designated staff of CPU, Remittances must ensure to process inward remittances
Inaccurate incomplete or fraudulent transacti Designated staff or respective Assistant Manager of CPU, Remittances must ensu
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti Ensure that concerned Supervisor or Ass
Inaccurate incomplete or fraudulent transacti Ensure that designated staff of CPU, Rem
Inaccurate incomplete or fraudulent transacti Ensure that swift transfer received favor
Inaccurate incomplete or fraudulent transacti To ensure that payment made to non-accoun
Inaccurate incomplete or fraudulent transacti To ensure that if the beneficiary does c
Inaccurate incomplete or fraudulent transacti Ensure commercial payments are not credit
Inaccurate incomplete or fraudulent transacti To ensure that if issuing bank has cance
Inaccurate incomplete or fraudulent transacti Application form should be obtained dully signed by the customer in case of comp
Inaccurate incomplete or fraudulent transacti Customer
to signature
ensure that IBAN should be verifeid
(International Bankbyaccount number) for all swift transfers wh
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti To ensure that CPU receipt the applicatio
Inaccurate incomplete or fraudulent transacti To ensrue that screening of transactions
Inaccurate incomplete or fraudulent transacti To ensure that all remittances cleared in
Inaccurate incomplete or fraudulent transacti Beneficiary’s name, account number, bene
Inaccurate incomplete or fraudulent transacti Purpose
Are of remittance
the remittanes is inisaccordance
mentioned with
on the
the customer profile, business available
Inaccurate incomplete or fraudulent transacti KYC and AML check has been performed for beneficiary & ordering customer.
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti To ensure that all the transactions shou
Inaccurate incomplete or fraudulent transacti To ensure that all the outward remittanc
Inaccurate incomplete or fraudulent transacti Ensure that details of SWIFT transfer ent
Inaccurate incomplete or fraudulent transacti To ensure that swift MT 103 will be tran
Inaccurate incomplete or fraudulent transacti To ensure that all SWIFT message as per
Inaccurate incomplete or fraudulent transacti To ensure that all the transctions must
Inaccurate incomplete or fraudulent transacti Designated
In case any staff or Assistant
transaction Manager
is found o in Nostro Activity Report, respective Sup
missing
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti To ensureForm
Relevant that all
‘M’the transactions
(if required) abofilled and signed by the applicant. And codi
is duly
Inaccurate incomplete or fraudulent transacti
Inaccurate incomplete or fraudulent transacti To ensure that CPU would enter details o
Inaccurate incomplete or fraudulent transacti Ensure that concerned Assistant Manager
Inaccurate incomplete or fraudulent transacti Ensure that designated staff of CPU, Rem
Inaccurate incomplete or fraudulent transacti All the outward remittnces Swift MT-202
Inaccurate incomplete or fraudulent transacti Ensure that outward remittance charges a
Inaccurate incomplete or fraudulent transacti Check at the time of cancellation branch h
Inaccurate incomplete or fraudulent transacti To ensure if outward remittance is cance
Inaccurate incomplete or fraudulent transacti To ensure that cancelled outward remitta
Inaccurate incomplete or fraudulent transacti Check if advance remittance by Umrah Org
Inaccurate incomplete or fraudulent transacti *Check all remittance
Consolidated are being
information processe
as per attached annexure.
Inaccurate incomplete or fraudulent transacti * Undertaking from Umrah Organizer for repatriation of funds ( only in case of adv
Inaccurate incomplete or fraudulent transacti Monthly reporting for
* A self declaration all remittances
from by
the patient, his/her next of kin declaring amount essentia
* Cash of FCY
Inaccurate incomplete or fraudulent transacti Remittance uptoof US$
USD70,000/-
5,000/- also allowed
or eqv to each
allowed patientas
per student and
perone attendant
calender yearwh
on
Inaccurate incomplete or fraudulent transacti * Letter of admission from foreign educational institution.
Inaccurate incomplete or fraudulent transacti * Letter / cost sheet from foreign educational institution showing break-up of expe
Inaccurate incomplete or fraudulent transacti Remittance should be remitted directly to the account of the educational institution
Inaccurate incomplete or fraudulent transacti To ensure in case of expenses in excess o
Inaccurate incomplete or fraudulent transacti To ensrue that all the related documents s
Inaccurate incomplete or fraudulent transacti b) In case of dividend
that the shares inincome
question remitted to non
were not acquired by the non-residents on the basis
that the application
Inaccurate incomplete or fraudulent transacti c) Certified true copy of fortheremittance of dividend is net
Shareholders’/Directors’ of Pakistan
resolution tax liability
declaring and
the divid
Inaccurate incomplete or fraudulent transacti Withholding
d) In case tax Taxexemption is claimed by them/any of the shareholders, a certificate
Regulation / Reputation risk Ensure whether CPU is receiving CNIC/NTN number of service provider/vendor a
Regulation / Reputation risk Are the CPU - Remittance monitors the G
Regulation / Reputation risk To ensure that withholding tax deducted
Regulation / Reputation risk Ensure CPU doesnot has the right to unb
Regulation / Reputation risk Ensure that CPU is debiting WHT GL accou
Regulation / Reputation risk Ensure the total amount credited in depo
Regulation / Reputation risk Ensure that IOM is prepared by CPU remit
Regulation / Reputation risk To ensure that profits of FCY savings wil
Regulation / Reputation risk To ensure that Request for issuance of p
Regulation / Reputation risk Are the payment challans are accurately pr
Regulation / Reputation risk To ensure that payment order of withhold
Regulation / Reputation risk To ensure that computerized tax challans
Regulation / Reputation risk To ensure that Pay order copy alongwith t
The responsibilities and ownership of activitie Obtain the department’s formal organizatio
The responsibilities and ownership of activitie Follow
Ensureup thatofjob
thedescriptions
suspense/past for each staf
due item.
The responsibilities and ownership of activitie
The responsibilities and ownership of activitie Is there proper rotation of duties within
The responsibilities and ownership of activitie Do staff receive formal/informal training
The responsibilities and ownership of activitie Ensure that policies and procedure manua
The responsibilities and ownership of activitie Check 15 days mandatory leaves were avai
The responsibilities and ownership of activitie *Obtain the training
Valid proforma records
invoice and review
/ Indent th Order. (Confirmation of P.O. to be in p
/ Purchase
Financial, customer and reputational risk due * If LC establishment request involves any clause which will change the nature of
Financial, customer and reputational risk due * Upon receipt of above information from FIG and approval from CAD (if required)
Financial, customer and reputational risk due • Charges details
Financial, customer and reputational risk due • Irrevocable - Usance
Financial, customer and reputational risk due
Financial, customer and reputational risk due Above US$ 15M should be signed by “Head T& BS & Head of Ops” and notified t
Financial, customer and reputational risk due Check wether import of cash USD are made
Financial, customer and reputational risk due Ensure thatspare
(vii) Total appropriate
parts LC amount of margins
exposure per customer at any time not ex
Financial, customer and reputational risk due
Financial, customer and reputational risk due Approval from Relevant Committee should
Financial, customer and reputational risk due In case of perishable goods, ensure that
Financial, customer and reputational risk due To ensure that appropriate margin deposit
Financial, customer and reputational risk due The
Ensure that a fulland
destination setcommodity
of ‘Clean on Board’
are as per application
Financial, customer and reputational risk due
Financial, customer and reputational risk due The LC application is signed by the author
Financial, customer and reputational risk due Indent/ Proforma invoice/ Contract is sub
Financial, customer and reputational risk due Ensure that the Officer Incharge scrutini
Financial, customer and reputational risk due Select few LCs and ensure the correctness
Financial, customer and reputational risk due Check from the LC file that any telex in
Financial, customer and reputational risk due Ensure that the LC register is being main
Financial, customer and reputational risk due Check reciprocity register is being updat
Financial, customer and reputational risk due Select few reimbursement
• LC timely transmitted. authorities and
Financial, customer and reputational risk due '
Financial, customer and reputational risk due •ToMT ensure that before
swift message asestablishment
per LC amendmentof LC to be send.
Financial, customer and reputational risk due * After having approval, designated officer would prepare the LC amendment cap
Financial, customer and reputational risk due For Reversal of Expired outstanding LCs:
Financial, customer and reputational risk due •* Ensure after
LC liability mayonebemonth fromon
reversed date of expiry
request of LC, subsequent
of applicant to the month
with the consent end
of beneficia
Financial, customer and reputational risk due • Designated staff reinstate the LC in the system and recover the charges.
Financial, customer and reputational risk due • Check upon receiving of swift message from advising bank inform to the benefic
Financial, customer and reputational risk due • Check customer acceptance should be obtain and file the original, signed confir
Financial, customer and reputational risk due • To check in case of close-out of contract before settlement of import bill with oth
Financial, customer and reputational risk due • Check that funds are available in customer.
Financial, customer and reputational risk due • Check that designated staff receive a confirmation letter or a copy of relayed me
Financial, customer and reputational risk due Ensure that customer’s acceptance on drafts and trust receipt is duly obtained
Improper follow-up for repayment may expose th
Improper follow-up for repayment may expose•Ensure
th that
If any of thetelex messages contravenes
discrepancies are sent on alocal exchange regulations in place, the
Improper follow-up for repayment may expose th
Improper follow-up for repayment may exposeOn • th
Allreceipt
required of documents
customers’ acceptance
are receivedensur
Improper follow-up for repayment may expose• th B/L was issued by a Shipping Company or its Agent
Improper follow-up for repayment may expose th
Improper follow-up for repayment may expose•Select
th few that
To check Commercial Invoices
transaction and &ensure
captured SWIFT messages will be supervised & aut
Improper follow-up for repayment may expose• th To check thah upon creation of PAD Loan, designated staff keeps original docum
Improper follow-up for repayment may expose th
Improper follow-up for repayment may exposeTo • th
Tocheck
checkif in
documents retired through
case if sufficient funds areFATR or FIM or in
not available through any otheraccount
the customer's credit fac
a
Improper follow-up for repayment may expose• th To check that in case of non-acceptance of discrepant documents for 60-days, d
Improper follow-up for repayment may expose th
Improper follow-up for repayment may exposeEnsureth that I Form is prepared and custo
Improper follow-up for repayment may exposeCheck th the accuracy of track sheet prepar
Processing incomplete, incorrect or untimely eCheck transactions made during the period
Processing incomplete, incorrect or untimely eCheck that an undertaking from the import
Processing incomplete, incorrect or untimely eTo check that Credit Worthiness Report o
Processing incomplete, incorrect or untimely eTo check that bank may also ask the impo
Processing incomplete, incorrect or untimely eTo ensure that in case importer is unable
Processing incomplete, incorrect or untimely eTo ensure that Bank would deposit the pe
Processing incomplete, incorrect or untimely eCheck designated staff maintain MIS listi
Processing incomplete, incorrect or untimely eCheck upon receipt of documents are scru
Processing incomplete, incorrect or untimely eCheck transaction capture in system and
Processing incomplete, incorrect or untimely eCheck that transactions involve any paym
Processing incomplete, incorrect or untimely eCheck wether bank not allowed advance pa
Processing incomplete, incorrect or untimely eChech that import of life-saving and esse
Processing incomplete, incorrect or untimely eCheck that advance payment upto USD 10,00
Processing incomplete, incorrect or untimely e
Financial, customer and reputational risk due To check that upon receipt of request alo
Financial, customer and reputational risk due To check upon receipt of documents shoul
Financial, customer and reputational risk due To check staff capture the transaction i
Financial, customer and reputational risk due Check wether bank did not allow payment o
Financial, customer and reputational risk due Check that imports on open account basis
Financial, customer and reputational risk due Ensure that import of life-saving and esse
Financial, customer and reputational risk due basis within the above stipulated time, appropriate regulatory/legal action may be
Financial, customer and reputational risk due against
To checkthe at importer
the request of industrial establishments as importers, Authorized Dea
Financial, customer and reputational risk due Toforeign
check currency demand
that importer draftafor
submit import
copy of spare
of the parts/machinery,
contract/purchase without openin
order/proforma invo
Processing incomplete, incorrect or untimely ethe bank for registration of contract.
Processing incomplete, incorrect or untimely eReview few cases of registration and ensu
Processing incomplete, incorrect or untimely eEnsure that the approval as per SOP has
Processing incomplete, incorrect or untimely eTo check
from that documents
the overseas suppliercovering
instead of imports
the banker of the supplier, remittance shoul
Processing incomplete, incorrect or untimely eaccordance with the instructions contained
To check that in case of imports from ACU member in para 17 of this chapter
countries, remittances will be
Processing incomplete, incorrect or untimely eClearing Arrangements
Processing incomplete, incorrect or untimely ed)AreThe
thePakistani
bank will importer
incorporatemaythe figures
directly receive shipping documents from an Afgha
Processing incomplete, incorrect or untimely ee) T&BS upon receipt of copies of shipping documents for each shipment from th
Processing incomplete, incorrect or untimely eCheck the register is being maintained and
Processing incomplete, incorrect or untimely eEnsure that each case has been assigned
Processing incomplete, incorrect or untimely eCheck the charges /commission as per exis
Processing incomplete, incorrect or untimely eEnsure that the certificate of registrati
Processing incomplete, incorrect or untimely eEnsure that scrutinize the documents agai
Processing incomplete, incorrect or untimely eAlso
To check thatthat
ensure document
signaturesarrival notice toon customer’s letter, Counter guarantee &
appearing
Undesired/ inappropriate relationships establis• Where the liabilities exceeds the credit limit of the customer or any clause of the
Undesired/ inappropriate relationships establis
Undesired/ inappropriate relationships establisIn case of sight LC the margin equivalent
Undesired/ inappropriate relationships establis•Ensure
Name that before vessel
of carrying issuing a shipping guar
Undesired/ inappropriate relationships establis
Undesired/ inappropriate relationships establisSelect few transactions and trace them in
Undesired/ inappropriate relationships establisCheck the accuracy of the accounting ent
Undesired/ inappropriate relationships establis•Ensure that track
Bill of Lading andsheet
trackprepared to effecby the Officer concerned and approved b
sheet is signed
Undesired/ inappropriate relationships establis
Undesired/ inappropriate relationships establisCheck the accuracy of the accounting entr
Undesired/ inappropriate relationships establisUpon receipt of original shipping documen
Undesired/ inappropriate relationships establisOn receipt of original shipping documents
Undesired/ inappropriate relationships establisAre the designated officer endorse and sig
Undesired/ inappropriate relationships establisAfter the 30-days, upon confirmation by co
Undesired/ inappropriate relationships establisAre the designated officer will mark “Canc
Undesired/ inappropriate relationships establisAre the respective team leader reviews the
Undesired/ inappropriate relationships establisAbove US$ 15M should be signed by “Head T& BS & Head of Ops” and notified t
Undesired/ inappropriate relationships establisSelect
• Format fewofguarantees
guarantee is and ensure
signed by that all
the customer.
Undesired/ inappropriate relationships establis
Undesired/ inappropriate relationships establisWhere the terms of the Guarantee involves
Undesired/ inappropriate relationships establisEnsure that any alterations made in the t
Undesired/ inappropriate relationships establisEnsure that a Guarantee Register is maint
Undesired/ inappropriate relationships establisCheck the accuracy of the accounting ent
Undesired/ inappropriate relationships establisEnsure that all Guarantees issued are hel
Undesired/ inappropriate relationships establisCheck that the liability is reversed on i
Undesired/ inappropriate relationships establisAre the designated officer review the B
Undesired/ inappropriate relationships establisAre the reminders intimating the expiry &
Undesired/ inappropriate relationships establisTo ensure that upon receipt of original in
Undesired/ inappropriate relationships establisIn cases where original instrument is not
Undesired/ inappropriate relationships establisAre the designated staffs will file the can
Loan disbursement without complete documentat Check that the signature appearing on cus
Loan disbursement without complete documentat To ensure that documents received must be complete as per LC and customer in
Check upon receipt of documents should be scrutinize by two officers carefully in
Loan disbursement without complete documentat
Loan disbursement without complete documentat
Check all discrepancies are noted on scru
Loan disbursement without complete documentat
Check that approvals of relevant Credit C
Loan disbursement without complete documentat
Ensure that allocation for the bank risk
Loan disbursement without complete documentat
Sequential number from export bills registe
Loan disbursement without complete documentat
In case of negotiation is allowed for dis
Loan disbursement without complete documentat
Check the calculation with the exchange r
Loan disbursement without complete documentat
Ensure that the tracking sheets are appr
Loan disbursement without complete documentat
Ensure that relevant documents have been
Loan disbursement without complete documentat
Check after dispatch of Documents to Issu
Loan disbursement without complete documentat
Ensure that the payments are timely rece
Loan disbursement without complete documentat
Select few paid bills and ensure that full
Loan disbursement without complete documentat
Check that paid files have been duly marke
Loan disbursement without complete documentat
Ensure that the drafts drawn on usance ba
Loan disbursement without complete documentat
Check that the Credit Report of buyer is
Loan disbursement without complete documentat
Check that upon receipt of collection bill
Loan disbursement without complete documentat
Check the calculation made for payment a
Loan disbursement without complete documentat
Ensure that shipping documents should be
Loan disbursement without complete documentat
Ensure that certification of Form ‘E’ shoul
Loan disbursement without complete documentat
•Check
Checkthe tracking
after list and ensure
the realization the samethatinputting in in ITRS and submitting to SBP
Loan disbursement without complete documentat
Loan disbursement without complete documentat
Check
• DeliverythatChallan
the signature appearing on customer instruction letter is verified and d
Loan disbursement without complete documentat
Loan disbursement without complete documentat
Check upon receipt of documents scrutiniz
Loan disbursement without complete documentat
Check that staff inform the discrepancies
Loan disbursement without complete documentat
To check dispatch of original export docum
Loan disbursement without complete documentat
Ensure to forward the requests of sugar
Loan disbursement without complete documentat
Ensure
• To check thatupon
the mechanism to process
receipt of proceeds thethe issuing bank in the shape of deman
from
Loan disbursement without complete documentat
To check that statement showing the total figures of all export bills outstanding (in
Loan disbursement without complete documentat
unrealized)
which have relating
becometooverdue
all theirduring
branches, at the under
the month end ofreport.
each month in the prescribe
This statement will b
should
Loan disbursement without complete documentat
To checkbetaht
listed in a sequence
statement with exporter-wise
in Appendix V-21 showingtotals and the
particulars of grand
those total
casesgiven
whic
Loan disbursement without complete documentat
Authorized Dealers
Operations Department as overdue
(Centralin&the previous
Statistics statements
Section), but the items
SBP-Banking are delet
Services Cor
Loan disbursement without complete documentat
Karachi by the 15th of the month.
Loan disbursement without complete documentati
Customer request should be date and tim
Loan disbursement without complete documentati
On receipt of documents the same must be
Loan disbursement without complete documentati
To ensure that shipping documents must be
Loan disbursement without complete documentati
Copy of firm contract should be obtained.
Loan disbursement without complete documentati
To ensure that if fate of collection is not
Loan disbursement without complete documentati
To ensure that bill of exchange in case o
Loan disbursement without complete documentati
To ensure that E’ form certified by the cu
Loan disbursement without complete documentati
To ensure that duplicate copy of E form s
Loan disbursement without complete documentati
To ensure that documents should be scrut
Loan disbursement without complete documentati
To ensure that duplicate copy of Form ‘E’
Loan disbursement without complete documentati
To ensure that in case of short shipment
Loan disbursement without complete documentati
To ensure that all the shipping documents
Loan disbursement without complete documentati
To ensure that exports proceeds should ti
Loan disbursement without complete documentati
Check
vii) ThetheADcalculation
shall monitor madethe for payment amade by the exporter and ensure realiza
shipment(s)
Loan disbursement without complete documentati
viii) In case of unsatisfactory behavior of the exporter or export overdues exceedi
Loan disbursement without complete documentati
Customer request should be date and tim
Loan disbursement without complete documentati
To ensure that on receipt of Advance pay
Loan disbursement without complete documentati
Are the purpose of remittance must be ob
Loan disbursement without complete documentati
Are the customer appearing on the advan
Loan disbursement without complete documentati
Are the authorized officer report transac
Loan disbursement without complete documentati Are the transaction verified & authorized
Loan disbursement without complete documentati Are the system generated credit advice (a
Loan disbursement without complete documentati To ensure that E’ form certified by the cu
Loan disbursement without complete documentati To ensure that duplicate copy of Form ‘E’
Loan disbursement without complete documentati To ensure that original advance payment
Loan disbursement without complete documentati To ensure that advance payment voucher s
Loan disbursement without complete documentati To ensure that Form ‘E’ certified for exp
Loan disbursement without complete documentati To ensure that Proceeds Realization Certi
Loan disbursement without complete documentati To ensure that in case of more than one F
Loan disbursement without complete documentati To ensure that exports proceeds should ti
Loan disbursement without complete documentati Check the calculation made for payment a
Loan disbursement without complete documentati To ensure that follow-up should be made f
Loan disbursement without complete documentati To ensure that if customer do not submitt
Loan disbursement without complete documentati Is the authorized officer enter the particu
Loan disbursement without complete documentati To ensure that advance payment can be util
Loan disbursement without complete documentati To ensure that in case of loss of original
Loan disbursement without complete documentati In case of export proceeds are over due s
Loan disbursement without complete documentati To ensure that duplicate and triplicate
Loan disbursement without complete documentati Are the manager exports or officer counte
Loan disbursement without complete documentati •ToToensure
check that all theisadvance
the same report topayments r
treasury TRES to update their record.
Processing of incomplete, incorrect or untimel• Check rate advised by the BS / RM / branch duly negotiated with Treasury, woul
Processing of incomplete, incorrect or untimel• Check on receipt of customer’s request approved by business group to transfer
Processing of incomplete, incorrect or untimel• On receipt of shipping documents, authorized staff takes print-out of EFEs from
Processing of incomplete, incorrect or untimel• To check if a shipment is entirely shut-out and is not being reshipped by another
Processing of incomplete, incorrect or untimel
Processing of incomplete, incorrect or untimel
Processing of incomplete, incorrect or untimelTo ensure that stock of ‘E’ form should be
Processing of incomplete, incorrect or untimelTo ensure that stock received from GSD ent
Processing of incomplete, incorrect or untimelTo ensure that monthly balancing of ‘E’ f
Processing of incomplete, incorrect or untimelTo ensure that form should be issued on t
Processing of incomplete, incorrect or untimelTo ensure that prior approval of respectiv
Processing of incomplete, incorrect or untimelTo ensure
Printing andthat if customer
Distribution of do not submitt
Export Forms.
Processing of incomplete, incorrect or untimelTo check that T&BS required to maintain
Maintenance of Party-wise Record of Certified a complete
Exportrecord
Formsof all export forms pri
Processing of incomplete, incorrect or untimelT&BS should maintain another register for recording therein the particulars of exp
Reporting risk (incorrect / incomplete posting To ensure that fortnightly / monthly bala
Reporting risk (incorrect / incomplete posting Are the T&BS maintain the sufficient stock
Reporting risk (incorrect / incomplete posting Are the designated officer record the deta
Reporting risk (incorrect / incomplete posting Are the designated staff debit the custom
Reporting risk (incorrect / incomplete posting Are the designated staff conduct the fortn
Reporting risk (incorrect / incomplete posting Obtain list & to
Indemnity frequency of that
this effect reports prepar
in case any objection raised by SBP the amount wil
Breach of regulatory requirements and directive An IOM prepare by the designated staff and forward the same to the team lead
Breach of regulatory requirements and directive
Breach of regulatory requirements and directive To ensure that upon receipt of claim in ou
Breach of regulatory requirements and directive To ensure that applications containing dis
Breach of regulatory requirements and directive To ensure that in case of export agains
Breach of regulatory requirements and directivSelect few bills and ensure that the wit
Breach of regulatory requirements and directivTo ensure withholding tax and Export Dev
Breach of regulatory requirements and directivTo ensure that designated staff prepare
Breach of regulatory requirements and directivTo ensure that prepare monthly WHT stat
Critical documents like: AWB/BL, accepted draReview security arrangements in the depart
Critical documents like: AWB/BL, accepted draAlso ensure that shipping (export/import)
Critical documents like: AWB/BL, accepted draForms I & E are available in pre-numbere
Critical documents like: AWB/BL, accepted draEnsure that department’s stationery and
Critical documents like: AWB/BL, accepted draThe system access passwords are well pr
Critical documents like: AWB/BL, accepted draObtain list of statements required to be
Critical documents like: AWB/BL, accepted dra•ToRecords
ensure pertain
that system
to anygenerated Pre Conso
law enforcement agencies for investigation or legal proce
Critical documents like: AWB/BL, accepted dra
Critical documents like: AWB/BL, accepted draTo ensure that movement of safe / cabinet
Breach of regulatory requirements and directivCheck under invoicing in import cases in
Breach of regulatory requirements and directivCheck under invoicing in export in order t
Breach of regulatory requirements and directivCheck over invoicing in import in order to
Breach of regulatory requirements and directivCheck over invoicing in export in order to
Breach of regulatory requirements and directivCheck short shipment in import in order t
Breach of regulatory requirements and directivCheck short shipment in export in order t
Breach of regulatory requirements and directivCheck over shipment in import to avoid r
Breach of regulatory requirements and directivCheck over shipment in export to avoid tr
Breach of regulatory requirements and directivCheck obfuscation of goods in documents
Breach of regulatory requirements and directivCheck multiple invoicing in a case.
Breach of regulatory requirements and directivCheck phantom shipment i.e. shipping nothi
Breach of regulatory requirements and directivCheck The description of goods on the Go
Breach of regulatory requirements and directivCheck Significant variation is found betwe
Breach of regulatory requirements and directivCheck There are indications that the descr
Breach of regulatory requirements and directivCheck The tenor of the transaction does
Breach of regulatory requirements and directivCheck Documents such as an L/C receive
Breach of regulatory requirements and directivCheck The type of goods being shipped app
Breach of regulatory requirements and directivCheck The size of the shipment does not c
Breach of regulatory requirements and directivCheck The packaging of goods inconsiste
Breach of regulatory requirements and directivCheck The goods are transshipped through
Breach of regulatory requirements and directivCheck The country from which goods are be
Breach of regulatory requirements and directivCheck The transaction involves the receip
Breach of regulatory requirements and directivCheck The method of payment apparently d
Breach of regulatory requirements and directivCheck The transactions involving consecut
Breach of regulatory requirements and directivCheck The transaction involves repeatedly
Breach of regulatory requirements and directivCheck An Importer remits advance payment
Breach of regulatory requirements and directivCheck The transaction appears to involve u
Breach of regulatory requirements and directivCheck The transaction involves import/ex
Breach of regulatory requirements and directivCheck The item ordered is incompatible wi
Breach of regulatory requirements and directivCheck Where important details are missin
Breach of regulatory requirements and directivCheck Where some of the shipping document
Breach of regulatory requirements and directivCheck Where goods declaration in commerci
Breach of regulatory requirements and directivCheck Receipt of proceeds from non-cooper
Breach of regulatory requirements and directivCheck Where export proceeds are received
Breach of regulatory requirements and directivTo check periodic review of the trade port
Breach of regulatory requirements and directive
To check that transaction involves person o
Breach of regulatory requirements and directive
To check that the customer or counter-party
Breach of regulatory requirements and directive
Are the customer activity does not match
Breach of regulatory requirements and directive
Order for goods is placed by firms or pers
Breach of regulatory requirements and directive
Transaction involves possible
demonstrates linksshell compan
between representatives of companies exchangin
goods finance
Breach of regulatory requirements and directive
Trade i.e. same owners orinvolves
transaction managementshipment route (if available) through country
Breach of regulatory requirements and directive
with weak
located export control
in countries laws or
with weak weakcontrol
export enforcement
laws orofweak
export control laws
enforcement of export
Breach of regulatory requirements and directive
controlpatterns
trade laws (e.g. does the country involved normally export/import good
involved?
Breach of regulatory requirements and directive
controls and/or domiciled in countries with weak export control laws or weak
Breach of regulatory requirements and directive
enforcement
Based on theofdocumentation
export controlobtained
laws in the transaction, the declared value of th
Breach of regulatory requirements and directive
shipment was obviously
Inconsistencies under-valued
in information containedvis-à-vis
in tradethe shipping cost
documents and financial flows,
Breach of regulatory requirements and directive
such as of
Pattern names, companies,
wire transfer addresses,
activity that shows final destination
unusual etc.or has no apparent
patterns
purpose
Breach of regulatory requirements and directive
Breach of regulatory requirements and directive
New customer requests letter of credit tr
Breach of regulatory requirements and directive
To check thatofuse
Involvement of cash ororprecious
a customer metal declared to be a commercial busines
counter-party,
Breach of regulatory requirements and directive
whose transactions suggest they are acting as a money-remittance business
Breach of regulatory requirements and directive
Involvementofofgoods
Description a university in aorcountry
on trade of documentation is nonspecific,
financial
Breach of regulatory requirements and directive
innocuous or misleading
Evidence that documents or other representations (e.g. relating to shipping,
customs, or payment) are fake or fraudulent
Breach of regulatory requirements and directive
Breach of regulatory requirements and directive
Use of personal account to purchase indus
KYC Enter Test Name
Check branch carried out (EDD) enhanced due diligence process of increased risk customers as mentioned in CAAML Proced
Are CAAML and AML & CFT regulations followed by the branch for opening of accounts?
Are necessary approvals for increased risk customer & PEP as described in Retail Banking policy obtained?
Does branch carry out proper due diligence process of existing customers as mentioned in AML/CFT intial Regulations.
Does the staff reassess the risk of the client on a regular basis, at least once in a 1 year for increased risk/PEP, once in 3 years
Check transactional volume, amount matches as documented in KYC form. In case of deposit of large amount "sources of fund
Check that risk classification of accounts are as per CAAML policy.
Are the exchange company accounts categorized as “Increased Risk” due to its nature and for purpose of review and monitorin
Are the branches closely monitoring all activities of exchange company relationships to detect unusual and suspicious transacti
Ensure that third party mandate in respect of any account should not be given to staff.
Ensure that Interview of customer with BSM is done only when the BM is on authorized leave.
Check EDR conducted in case of transactions in student, house wife and salaried category accounts if not compatible with KY
Check copy of Account opening form and terms & conditions are handed over to customer at the time of opening of accounts &
Check individual accounts opened for business purpose must clearly specify the purpose & complete details of transactions in
Test that key features of the Customer Relationship Forms (CRFs) are shared with customers in Urdu language at the time of o
Check Initial deposit receipt is issued with ‘Disclaimer’ that account shall be opened after completing necessary due diligence in
Check CAPSs / Siebel IDs are given to staffs in branch
Ensure that RM is capturing the CRF data in siebel / CAPs before cutoff time
Check that RM or designated officer get the thumb/finger impression of potential customer through bio metric device linked with
Ensure that after positive verification through bio metric, RM generates account number. System (CBS) should auto block the a
Check documents such as passport, copy allien registration cards etc. are obtain where identity of the customers is not done th
Check Biometric verification is done for authorized signatories where customer is a legal person (BO) who acts on behalf of the
RM/RO enter preliminary data only and generate “Tentative Account Number (TAN)”after system validation.
Check TAN handed over to potential customer by issuing welcome letter as per Annexure 'A' along with the copy of CRF with ge
Check branch RM maintains a list/MIS of all such customers' accounts / where the business relationship needed to be closed in
Check Individual, Joint and Sole proprietor accounts are opened through CAPS and other entity accounts through Siebel.
Check the data is captured on CAPS and all the documents are scanned and validated through account maintenance unit AMU
Ensure that Asaan Account and BBA accounts are opened with initial deposit minimum of Rs 100/- & 1000/- respectively
Check does branch follow and complete the review of Top 100 depositors, laid down under SBP AML/CFT Regulations issued v
In order to provide visually impaired/ blind persons with equitable access to banking & financial services, branch should have re
Are next Turnover
Monthly review dates of increased,
Monitoring Reportneutral and pre-defined
– PDN/Neutral/IR & PEP:neutral risk accounts are correctly fed in the system?
Ensure that Event Driven Review (EDR) of all accounts appearing in "Monthly Turnover Monitoring Report-PDN/Neutral/IR & PE
Does branch staff maintain MIS in separate files of IR, Neutral and PDN risk accounts having monthly turnover of Rs.2M and ab
Does branch staff generate and review "Personal Account used for Business Purposes report" on Monthly basis?
Does the branch staff extract the report of KYC Exception Monitoring report and Event Driven Reviews of accounts is done acc
Does the branch staff extract the report of overdue and Near Due Periodic and Event Driven Reviews of their own branch for co
Check individual accounts where, average quarterly credit turnover exceeded threshold limit of Rs.25M, separate account for b
Check that expected monthly debit/credit turnover in account is captured in system
Check BM checks and reconciles copy of CPF with account opening data on bi-annually (Jan & July) and evidence of the same
Check accounts having predefined neutral risk classification and exceeding turnover of Rs.2M are subjected to Event Driven Re
Does staff conduct the physical verification of the accounts pertaining to proprietorships and self-employed individual / professio
Check branch staff maintains data of accounts closed during each preceding year
Check monthly turnover in Assan Accounts remains within the defined threshold of Rs 500,000
Check non-resident accounts are opened after proper due diligence in Increase risk category.
Check branch staff extracts the daily activity report of Rs0.5M & above for checking of unusual/ suspicious transactions in custo
Check nature/classification of business/profession is specifically obtained and recorded on CRF and system.
Check
Dormantbranch does not retain other documents of account opening other then CPF.
Accounts
Check reactivations rights of dormant account in system are restricted to authorized staff only.
Check status of dormant to activeaccount is changed after completion of all formalities as specified in para 7 a of M-1 prudentia
Ensure that reactivation of account is done only upon receipt of written request from the customer & requires his/her physical pr
Ensure that customer signatures are verified on customer activation request with the speciment available in bank record.
In cases, where customer could not visit the branch for dormant activation due to some reason, branch RM/BM may visit custom
Ensure that Bio
c. Customers Metrics
whose is also
eligible required
identity for dormant
documents are activation
other thancases of individual/joint
biometrically account. e.g. Passport, Alien Registra
verifiable documents,
d. Customer’s permanent physical disability, e.g. limbs disability, uneven texture/ erased / unclear fingerprints, etc.
Ensure that at the time of activation of Dormant account BM/ RM/RO should ensure that Event Driven Review is conducted thr
Ensure that the account holder must bring original valid CNIC, copy of which is marked original seen under the name, initial, da
Check statement of account for the period starting from the date the account was marked dormant till activation is printed & han
In case activation of a Company account dormant account request is received on Company's letter head signed by authorized P
Check inthat
Ensure case of company
dormant account
activation the branch Status
report/Account BSM /SBSO
Change obtains
reportcall back confirmation
is generated as per
and signed bank
by two process
officers and
(one signsbe
should oneit
th
Check Review of all Dormant Accounts on annual (January) basis is conducted by the Branch Service Manager through ‘dorma
Check that duplicate statement of account for dormancy period should be delivered to the customer without charges as require
Ensure that Service charges (monthly charge for not maintaining minimum balance) should not be recovered from dormant acc
Ensure where dormant account is activated via other than parent branch. Processing branch should send the scan copies of all
Check
Life that proceeds
Certificate of inwardCertificate
& No-Marriage foreign remittances or cheque is deposited in dormant account without changing the dormant sta
Ensure to
Letters that certificates received from pensioners would be valid for six months from the date of issuance and copy must be kep
Customers
Ensure
To ensurethatthat
upon
thereceiving the expiry
branch intimates thereport / Expiry
pension Certificate
authority through MIS from CPU,
a letter branches
if it fails to receivesend Lifeletters to their
Certificate orrespective custom
No-Marriage Cer
Dormancy
Check
Ensureinthat
case of certificate
after six monthsofif pensioner expired
no transactions in and not received
the account after out
is carried 6 months or if the
the account willpensioner
be marked fails to drawand
dormant pension for co
customer w
Deceased Pensioner’s Accounts
Upon receipt of notification from account Office or from any other reliable source the branch automatically block the transaction
death ofpension,
Check in case of Family the pensioner the sameaccount
the pensioner’s is reported
will to
bethe concerned
closed and a new authority
pensioner’s account will be opened for wife
Surrender of Undrawn Pension
Does the respective ROM ensure that branches have surrendered undrawn pension by debiting to pensioner account(s) for con
Ensure that receiving copy of submitted letter would be retained in record for ready reference. Beneficiary name would be ment
Check whether branch allowed the debit transactions in case of expired certificate
Check automated system is used for crediting accounts of pensineers of other branches of the same bank.
Check pensioners should be advised through notice boards/websites, etc. to lodge their complaints at BC & CPD helpdesk of S
Check a list of those pensioners is provided to respective account officers who fail to submit, life certificate in case of self pensi
Check respective main branches will extract a report from system latest by 3rd working day of each month which will be reflect
The report to be sent to the concerned Govt. Department by courier latest by 5th of each month and copy of signed report and
Are the
CNIC Main Follow-Ups
Expiry branches regularly contact with concerned officials of the Govt. Dept. for prompt resolution of any issues and send
Check upon receipt of MIS (Excel) from AMU of all expired CNIC/NICOPs the Branch Manager/ Branch Service Manager or sta
Check branch makes efforts to obtain updated CNIC on the basis of list of expired CNICs received on monthly basis from AMU.
Are dormant
Accounts Special
Closure dueConvertible Rupee Accounts (SCRAs) reactivated upon receipt of authenticated instructions from the con
to Nil Balance
Check at the first week of each month, branches extract the report of Negative balance available in SYMBOL system “Account
Check a written notice is served (Annexure 4.1-T) to the above account holders excluding those which are falling in above crite
Check in the
Negative said notice it is to be clearly mentioned that in the event of his/her failure to revive the relationship within the time a
Balances
Check what
Account efforts are made by branch for recovery of negative balances on the basis of report received during the first week
Closing
Check before account closures accrued profit on Saving accounts are passed-on to the customer. For this test, review deposit s
Obtain system's generated account Closure register & verify any uncollected charges yet not written off from bank books after a
To check
Minor account closing request be timely sent to CPU for account closure in system
Accounts
Ensure that the minor account holders age is recorded in a separate register
Ensure that minor accounts are exempted from Zakat?
Are the guardians still operating the account even though respective minors have attained the age of maturity? This account sh
The branch / CPU send the letter to the guardian that minor will attain the age of majority in one month. If the formalities are no
Check that cheque books are issued to the guardian on minor and guardian’s names jointly?
Check inthat the the
case account
minorclosing form jointly
who attained signed
the age by the minor
of majority does notwhowant
attained majoritythe
to continue with the guardian.
relationship with the bank, then funds s
To check that minor date of birth is captured in the system, and client of the minor is also opened in system.
Check the accounts opened with other then father or mother court order is obtain for guardian .
Ensure that if minor account is opened with both father & mother, then the mode of operation of A/c would be jointly by parents.
Zakat Exemption
Check CZ-50 should be machine time stamped at the time of receiving and the copy of the same should be delivered to custom
Check that CZ-50 accepted from sole proprietor and individual customers only.
Check that CZ-50 accepted from existing clients before 1st of Shaban.
Check if branch has accepted fresh CZ-50 during the period of 1st Shaban till 30th Shaban from those customers whose accou
Check branch BSM or his/her backup must retain a copy of CZ -50 in branch record and original forwarded to AMU through IOM
Check branch
Student / WidowBSM or his/her/ backup
/ Pensioner performsofsignature
Salary account verification on CZ- 50 against bank’s record.
Govt. Employees
Check that charges not recovered for non-maintenance of account balance from customer accounts opened in student, widow
Check the branch
Mail Returned staff conducted
Undelivered the periodic
/ Whereabouts review of students accounts and in case of their student IDs expired status of the
Unknown
Check every incoming mail/return mail must be entered into incoming mail register and acknowledge the delivery to the concern
Check upon receipt of undelivered statements of accounts from GSD/ Courier, branch scrutinized/identified the reasons of und
Check that if any mail is returned undelivered the status of account is updated to "Whereabouts Unknown".
Check that accounts flagged with whereabouts unknown restraint in the system, follow up process initiated by the branch to con
Check that branches extract "Restraint Report/Return Mail report‟ deployed over Knowledge Manager on daily basis to monitor
Check that WAU restraint is removed only upon receipt of customer's written request for address change (in case of jointly oper
Check
Restraintbranch maintains MIS for item-wise recording of undelivered statements received from GSD and their subsequent dispa
Report
CheckPublic
Initial that branch
Offer (extracts
IPO / Share the restraint report on monthly basis to monitor the accounts marked under different types of restrai
Applications).
Check
Zero that multiple
Balance Accountsapplication for subscription of shares lodged from one account with different names
Check
3) that process
KYC/AML/CFT for monitoring
concerns of zero
that may havebalance accounts
arisen during is followed
account by the monitoring
/ transaction branch process.
4) Minimum
Vault Operationsbalance as required under Bank’s policy is not maintained.
Check on 1st day of branch surprise visit that cash vault was opened before 8:45 AM and cash counters were ready at 9:00 AM
Check branch opening timing recorded in branch opening & closing register
Check both custodians jointly access the vault.
Check that designated BSO & Branch Service Manager/SBSO make necessary entries in Vault Access Register to record timin
Review CCTV Camera & verify designated custodians jointly open / re-lock the safe and strong room.
Observe staff does not use their cell phones during working hours within counter
Observe Vault keys are kept locked within custody of designated staff at all times.
Check cash vault custodians and back-ups are as per approved policy.
Checkfrom
Cash cuttings
Vaulton
& cash
transferregister
to BSOswere authenticated by senior custodians by affixing initials/signatures
Check BSM/SBSO
Depositing Cash in transfer
Vault the physical cash to individual BSOs against their request through system and authorize the same i
Are the designated
Inter-City BSO of
Transportation and Branch
Excess Service Manager/or his/her backup jointly access the vault for depositing cash in vault/saf
Cash
Check that inter-city cash shipments approved from respective Regional Manager/General Manager& Regional Operations Man
Ensure that cash packed and verified by both custodians in front of CCTV
Check that cash custodians ascertain the genuineness of the security guard’s signatures and photo identity from the list of Secu
Are the shipments
Transportation recorded
of Cash - Where in vault cash register Exists
No Arrangement accordingly?
with Security Company
Check that the Branch Service Manager / BSO ensure that no single movement of cash exceeds Rs. 5.0 M (or as prescribed an
For sending FCY
Transportation cash to
of Cash to Islamic branches,
Main Branch Frombranches
SBP/NBP operating on symbols- used
(Cash Withdrawal) Wherethe relevant Nostros
Arrangements with accounts
a SecurityforCompany
settlement
areb
Check Branch Service Manager or Branch services officer of respective main branch make SBP/NBP cheque for cash withdraw
Check staff of Security Company receives the consignment, one person signs on the receipt while, the second person signs as
To ensure that branch
Transportation of Cashmaintaining SBP/NBP
from Main Branch accounts reconcile
to SBP/NBP the same on daily basis
(Cash Deposit)
To check that SBP/NBP cash deposit letter is prepared highlighting the denomination and type of cash (soiled / sorted etc.) to b
Ensure that cash contained in sealed bag handed over to respective security company against proper acknowledgment on ship
Check that one of the staff must reach to respective SBP/NBP office to receive the shipment from Security Company against pr
CheckMain/Standalone
From that designated Officer
Branchwhile leaving
to Other Peerthe SBP/NBP’s
Bank counter must ensure that copy of deposit slip is obtained from SBP
(Cash Deposit)
cashBranch
Check that depositService
letter/deposit
Manager slipor(notation “for
in his/her onwardBranch
absence credit toManager
our a/c #send
_____________ maintained
request through with SBP’
email clearly shouldthe
specifying bet
Check thatincash
Branches notes sent in the form of packets or bundles with binding duly signed and stamped by the BSO. The “sorted” s
the City
Are respective ROMs arrange
* Items kept in safe custody (bytoother
senddepartments)
above MIS onare
monthly basis
recorded andonaccounted
the SBP prescribed
for. format separately and share / send t
*Any unclaimed item present in the vault is recorded in the book
Check cash is balanced with the sheet prepared by the each BSO and counter signed by the vault custodian (BSO).
Check at day end cash closing balance positions are maintained as per format prescribed by SBP. Refer (SBP Let. No. Cy.10
Check each/ sorted packet of currency notes is stamped “SORTED” with clear identification of bank/branch and date of sorting
Check cash counting machine / sorting machine are available in the branch.
Verify branch maintains record of fresh currency notes issued to the general public on the prescribed format.
Check as a matter of practice branch is maintaining minimum One day’s fresh / re-issuable cash in vault in accordance with the
In case of Cash Cell, check branch collects monthly statement from all branches showing distribution of fresh currency notes to
Check packets of all denominations should not be stapled
Check entrance of cash area only allowed to unauthorized persons.
Observe if the teller leaves his working area temporarily during working hours, he/she locks cash and valuables under his posse
Review deposit settlement account to verify that BSM passed entries in the system as well while distributing physical cash to te
Verify BSM /SBSO change combination password of Fire Proof Cabinets and cash safes within six months. Also verify in case
While physical count check branch is maintaining sufficient stock of coins of Rs 1, Rs 2, Rs.5/- & Rs 10/- denomination
Check are the sufficient stock of foreign currency was available in branch
Are movements of vault keys and combination codes are recorded properly with BSM's approval? Is there any cross holding of
Has staff been provided training to assess the authenticity of cheques. (SBP CPD circular number 2 dated July 02, 2011).
Are duplicate
Cash Insurance vault keys and combinations codes maintained in sealed envelopes duly signed by both key custodians and place
& Transportation
Obtain daily bank position sheets and review cash balances to check insurance cover obtained, whenever cash balance excee
Is request timely sent to insurance company to obtain over limit cash insurance coverage?
Is cash always transported through bank's appointed security agency?
Ensure that cash area always remained locked.
Is cash kept with teller as per SBP requirement?
Review
Cash cheques paid during working hours to see that is cheque pay out limits followed by the tellers?
Operations
Ensure/check closing cash balances maintained as per SBP prescribed format? (SBP Let. No. Cy.1087/336-2003 dated 28.05.0
Check whether the currency notes bearing slogans of political, religious or commercial character cease to be legal tender and S
Ensure cash kept in the vault should be marked Sorted and Soiled. Defective notes are kept separately. (Master Circular No.1
Are special persons given/provided out of queue assistance .
Is each/ sorted packet of currency notes stamped “SORTED” with clear identification of bank/branch and date of sorting and bra
Ensure that branches with average daily payment of Rs 1.5M and above has proper sorting arrangement . (Master Circular No.
Ensure that branch is not crediting cash in companies foreign currency accounts. (FE Manual)
Are soiled category currency notes issued to general public on cash counter in breach of SBP BSC Circular No Cy /01/03?
Is branch recovering any charges on account of cash handling /sorting at the time of acceptance of cash at the counters from th
No service
Cash Closingcharges shall be charged from the students depositing the amount of fee directly in the fee collecting account of the
To check that total cash shown in the summary should be balanced with the system’s balance appearing in respective BSO’s ID
Check that BSM/Head BSO verify the cash physically with the system?
Check that Head BSO/BSO &Branch Service Manager jointly access the vault & cash is placed in the safe after updating the ca
Check that vault balancing carried out physically with the balance appearing in the vault ID & printout of the same is attached w
checkDifferences
Cash that cash book signed by the Head BSO/BSO & Branch Service Manager& kept in the vault overnight. Safe & strong roo
To check that Respective Area Operation Manager is informed about the shortage/overage to the ROM with a copy to GM.
Check that in cases where overage/shortage of cash in excess of Rs. 10,000/- remains undetected for three days, preliminary r
Check that respective Regional Operation Manager undertakes specific investigation within three days to determine the respon
Ensure that undetected cases of overage/shortage for longer period treated as per the guidelines mentioned in section 2.2.4 (c
Check
CTR that AOM or staff nominated by ROM conduct quarterly surprise i.e. physical verification of CPC vault cash. This activity
Reporting
CheckBonds
Prize cash transactions (deposits and withdrawals) above Rs 2.0 M or equivalent in other currencies are reported to AML unit
Take a schedule of prize bond draw, printout of prize bond GL account and compare/analyze the entries with prize bond registe
Are prize bonds sold/purchased during the shut period?
Check branch prepares vouchers for prize bond transactions?
Are prize bonds physically reconciled with National Prize Bond impersonal account balance/ ledger and properly recorded in th
Check all Prize bond transactions above Rs 2.million & above, reported to Compliance Function within seven (7) days from the
Does branch send the national prize bond report at the time of close of business on the last working day pre-ceding the shut pe
To check
Utility Billsthat withholding tax is being deducted on prize bond transactions
Ensure that before accepting payment teller must ensure that the bill is not tampered in any way.
Ensure
Chequethat In case of network / system is down due to any reason, the branch must accept utility bills from the public which sh
Handling
Select voucher on sample basis & verify deposit slips are validated through cash validation printer. In case of non-working of p
Ensure that transactions of Rs 20M and above will have to be referred to Regional General Manager and Rs. 50 M & above to
Are the customer signature verified by the authorized officer as per their assigned limits?
Ensure that cheques paid as per the customers operating instructions of accounts as per bank record
Customer signature on cheques should be matched with the specimen available in system/bank record.
Ensure that details of denomination is mentioned on back of the deposit slips and cheques.
Are all the cheques carefully scrutinized before payment? Cheques of post / stale, undated and any alteration should not be pa
Ensure that mutilated cheques should not be accepted for payment without approval of the Branch Manager / Operation Manag
Ensure that cash payment against bearer cheques drawn in favor of companies other than proprietorships is prohibited. Such c
To check no Inter Branch FCY Cash deposit/withdrawal is allowed between Conventional & Islamic Branches on Saturday.
Ensure cash payment against a bearer cheque drawn in favor of a company other than proprietorship was not made by branch
Cheques should be analyzed in ultra violet light / IV marker if payment is ≥ 100,000/-
The cash against the bearer cheque only released to the bearer by obtaining his signatures on the back of the cheque.
Check that “Received Cash" stamp date should be same as the date mentioned on cash deposit slip written by depositor
Check that in case of reversal of transactions source voucher in placed with mentioning the reason of reversal
Ensure vouchers, debit and credit are signed by the authorized officers as per limit given in SOP.
Check that thumb impressions obtained on cheques authenticated by branch BSM / BM through affixing of stamp “thumb impre
To check that daily generated report i.e., ‘daily transaction by branch / officer’ checked and signed by the BSM and designated
Are cash payments over the counter to third parties for Rs. 300,000 & above made after obtaining copy of identification docume
Ensure In case of online transaction originator information along with copy of CNIC should be obtained (regardless of threshold
BSM/SBSO shall make a telephonic contact to the drawer on his/her registered number available on bank’s record to confirm th
To check the person confirming the cheque shall record the details with his/her initials at the back of the instrument. “Confirmed
To check calls back on Deposits/Payments/Funds Transfers are made on Registered Land Line Number and Registered Mobile
Ensure online cash transaction charges are recovered from the customer as per prevailing SOC.
Are all cheques, where signatures cannot be verified by the BSO referred to the departmental head for further verification?
Is penalty charged on returned cheques is recovered as per bank schedule of charges?
Ensure no FCY cash deposit / withdrawal in business including Sole proprietorship accounts was processed by branch.
Ensure branch has obtained acquisition slip of any FCY cash deposit over 10,000 US $ or equivalent in a single day.
Ensure process of cash deposit and withdrawal with SBP/NBP followed as per SOP 4.5.6 by main branches.
Is copy of CNIC obtained from occasional customers/ Third Party (walk-in customers) conducting cash transactions (deposit / w
Is originator information obtained along with copy of CNIC while carrying out online transactions (regardless of threshold) by oc
Ensure ultraviolet lamps are deployed at the branches. (CPD Circular No. 2 of 2011)
Check cash transactions (deposits and withdrawals) above Rs 2.0 M or equivalent in other currencies reported to AML unit in C
Check daily vouchers are properly sealed?
Are the BSM / BM examine annually, the records retained by the branch/department in their own premises for ensuring that rete
Are the daily vouchers kept in fire proof cabinet under dual custody.
Check that BSOs accept the deposit slips from the customers with complete account number and obtain the depositors’ signatu
to check in case transfer request is received where institution account is being maintained with FBL, then concerned branch wil
To check that amounts were paid on account of remittance received through western union after obtaining the copy of CNIC of
Check withdrawal slip approval obtained by branch as per approval matrix.
Check only one transition processed on the basis of withdrawal slip from one account in a month.
Check encashment through withdrawal slip is being processed by customer himself.
Check appropriate narration fed in narrative field in system indicating the number of transactions processed through withdrawal
Check copy of CNIC of the customer obtained?
Check if customer made the credit card payment through deposit slip customer signature should be verified on deposit slip befo
Check withdrawal slip contains the notation “Ok to Pay"
Check in case of online transaction, the transaction processing branch will email the details of the customer to parent branch
Check branch recover online (intercity) charges from account holder as per prevailing SOC (Where applicable)
Check customer
Clearing signature obtained on back of the withdrawal slip.M263
& Collection
Does designated staff verify and match the beneficiary name with the account in which cheque is to be credited, are cheques s
Are all necessary stamps affixed on the back of the outward clearing instruments and beneficiary account number mentioned?
Are names and contact numbers of the depositor mentioned on the deposit slips?
All the transactions are processed and authorized as per assignment limits as per SOP
Are all inward clearing cheques bearing crossing / endorsement and clearing stamps?
Is Bank’s special crossing stamp affixed on the face of the cheque immediately upon receipt?
Ensure that if the account is classified as dormant the cheque should be returned along with the return memo. If the account is
Are all outward returned cheques marked in the register & cheque returned register showing full particulars of the instruments a
Check ifthat
cheque returned branches
at standalone unpaid, instrument is credit
will directly handed over to
outward the customer
clearing or his/her
proceeds authorized
in respective representative
beneficiary against
pensioner prope
account wi
Check that branches while sending MIS to CPU for pensioner account must mention type “PENC”-
If returned cheque not collected by the customer within two working days from date of receipt by branch an intimation letter alon
Original cheque will be retained by branch up to 30 days and branch will inform to customer accordingly and will deliver to custo
Standalone branches ensure that all return instruments of Rs 50M & above are reported to Treasury.
Ensure that summary / clearing schedule is prepared in triplicate and signed by authorized signatories and sent it to NIFT/NBP/
Ensure that collection letter generated through the system.
Ensure that collection reference number is as per register. Designated staff and one authorized signatories jointly sign the colle
Ensure that copies of all such instruments, customer deposit slips and system generated collection letter retained by the design
Ensure that cheque of dormant account is returned except payable to a Government / Semi-Government organization or depar
Check that the proceeds of cheques credited in settlement account is credited in actual customer account.
Ensure that if the proceeds of instruments sent on collection not received, fortnightly reminders sent to drawee branch / bank.
Ensure that in FCY collection Form ‘R’ duly signed by the customer and authorized signatory of the branch where instrument is
Ensure that proceeds held up to 21 days if realized thorough cash letters.
Ensure that monthly balancing of outstanding items prepared and is balance with the general ledger
Are inward clearing cheques scrutinized before processing?
Are all inward clearing cheques bearing crossing / endorsement and clearing stamps?
Whether clearing cheques were returned with ambiguous reasons? (BPD CIRCULAR LETTER NO. 22 OF 2005)
Ensure that cancellation of FCY outward remittance reported to SBP as inward remittance through Form ‘R’.
Are branches ensure collection of cheques on behalf of their customers only and in case of erroneously received cheques, redi
Banks shall ensure that payee account is credited against the proceeds of the payment instrument lodged in Same Day Clearin
Banks
In casesshall ensure
where that payee
clearing house account is credited
is not available bankagainst the proceeds
shall ensure of the
that payee payment
account instrument
is credited lodged
against theinproceeds
overnightofclearing
the pay
In cases where collecting bank fails to credit payee's account within given timeline, it shall pay the compensation @ 3% above
Check that post /stale dated cheques are not received by in inward clearing
Prominently
Drop Box displaying the cut-off time for presentment of payment instruments in each clearing session in all branches, as per
Ensure that drop box is placed in ATM room where guards are not available during the night outside the branches or those bran
Ensure drop box keys recorded in key register under owners name and duplicate keys kept in the cash vault.
Drop box opening timings are observed by the branch and time of drop box opening are mentioned on the drop box?
Is drop box opening time mentioned on access register kept in the drop box?
Are contents of drop box entered in register under dual control and special crossing stamp affixed on instruments retrieved from
Has branch manager designated the junior custodian and backup for drop box?
Ensure that discrepant cheques are separated and discrepancies noted in the drop box contents register. Post dated cheques t
Ensure that senior custodian is responsible for bag key while junior custodian is responsible for drop box key and both custodia
Ensure that branch provide MIS of drop box content register to RB, BM & CSU & E-Business on daily basis
Ensure that branch provide MIS of return cheque register to RB, CSU & respective unit on daily basis
Are
Checkdiscrepant cheques
that purchase mailed toinstruments
remittance customers e.g.
on corresponding
POs, DDs andaddress
MTs etc.by(irrespective
branch directly along with the discrepant cheque lett
of currency)
POs will not be issued to a non-account holder / occasional / walk in customer except in exceptional circumstances where such
Check that customer account be used for such issuances i.e. PO / LCY DD / FCY DD rather using Suspense Account.
For issuance/processing of DD, PO, FDD and Funds Transfer, check that application must be obtained on the standard applica
Designated staff upon receipt and completion of PO issuance / cancellation Request will put date & time stamp through (where
Check if all details of purchaser & beneficiary of PO including CNIC no, address & contact details are received.
Ensure purpose of PO is defined.
Check that manual pay order is being issued in case of unavailability of system / printing error, with prior approval of Head of Br
Ensure Call back confirmation was obtained by the branch BSM / SBSO , if PO/DD/SWIFT or internal transfer amount is more t
Check if original Pay Order was handed over to the customer or his authorized representative against duly signed authority lette
Check for issuance of duplicate PO, FIR & affidavit on non judicial stamp paper is received that original PO has been lost.
Check if original PO is cancelled in system before issuance of duplicate PO.
Check if a copy of Payment Instrument Verification Form is retained for record.
Check if authenticity of PO was checked via Instant Verification Marker.
Check if Calls back confirmation on Deposits/Payments/Funds Transfers are made on Registered Land Line Number and Regis
Is PO outstanding more than 10 years deposited / reported to SBP.
Check if representatives provide authority letter and copy of Computerized National Identity Card (CNIC)? Is original Seen of C
Are charges recovered as per Schedule of Charges (SOC) for issuance of PO, DD, FDD etc.?
Check that charges for making pay order / DD any other related instrument for payment of fee / dues in favor of educational ins
Is demand draft issuance process followed as per sec 4.8.2(a, b & c)?
Are branches issuing Demand Drafts drawn on HBL where bank does not have any branch?
Are demand drafts on HBL issued information sent to back office treasury on same day?
Ensure branches while issuing a demand draft of over & above Rs. 200,000/- would send an email by BSM/BM/BSO to CMU S
Ensure that customer and beneficiary name checked from OFAC list and KYC checked by the branch.
Are Draft issued in favor of bank not followed by 'For account of ___________‟?
Ensure that original applications kept along with daily transactions vouchers.
Ensure branch file carbonized copies of DDs separately date wise.
Ensure that DD/FDD is surrendered in original for cancellation, the branch would only credit the amount in customer account ag
Has customer provided the DD/FDD cancellation request along with the original instrument?
Ensure customer discharge obtained on revenue stamps of appropriate value on the reverse of the draft under the words “Rece
Ensure that FCY draft endorsed “Not used for the Purpose Intended” and date of cancellation noted on the departmental copy
Ensure that cancellation of FCY outward remittance reported to SBP as inward remittance through Form ‘R’.
Is notation “Duplicate PO issued in lieu of PO No.__ dated __________” written on the duplicate PO/DD?
Ensure amount of cancelled PO/DD/FDD credited into purchaser account? The instrument stamped "cancelled" and made part
Is indemnity on the stamp paper received if the instrument is lost by the applicant or the beneficiary?
Is confirmation obtained from issuing branch in case duplicate issuance is being carried out at branch other than the issuing bra
Is customer’s account credited directly against indemnity? where duplicate PO not issued?
Are instruments bear endorsement along with their rubber stamp from the government entities/autonomous body/ DFI/ NFBI for
To ensure that any debit to Unclaimed DD payable account will be made with the written approval of BM who would first satisfy
Ensure customer written request obtained for revalidation of unclaimed pay order, officers affix the receiving stamp on request a
Ensure “Revalidation” stamp affixed on instrument contain signatures of two authorized signatories of issuing branch one of wh
Ensure that copy of revalidated payment order & request filed in box file.
To check in case of any request received form the beneficiaries regarding verification of payment instrument request from bene
Check the details and confirm the genuineness of the payment instrument and retain verification form in record. This service wo
To ensure that lost / stolen instrument intimated to Pan Pakistan branches through Policy & Procedure Department.
Check that Branches reconcile all the unclaimed & outstanding pay orders on fortnightly basis through reports of unclaimed pay
Check
Securityif Po issued in favor of third party after following SBP guidelines as mention in OSED/SEU-10/018(01)/10288/2018 dated
Stationery
Master Stock of blank stationery be kept in the dual custody of /BSM/BSO& Remittance Officer/UT in fire proof cabinet with trac
Stock register/card be maintained & physical balancing of stock be carried out fortnightly with the balance outstanding in the sto
Issuable
Safe stationery
Deposit Box is with the issuance officer during the day while overnight should be kept in vault.
AreBoard
e. SDB Resolution
(Safe Deposit Box) only
(in case issued tobodies).
of corporate active account holders of FBL?
f. in case of foreign national their passport copies?
Are all blank spaces in application and SSC (Specimen Signature Card) ruled off/void stamp affixed and locker’s documentatio
Are copies of CNICs of all the locker operators obtained and in case of foreign national their passport copies?
Is screening of locker operators & mandate performed before opening the locker?
To check locker neither issued to a minor nor can a minor be a joint-operator. However, guardian can avail this facility with mino
Check if locker is issued after 90 days of account opening to increased risk / PEP customers without CAAML approval .
Has the branch BSM or BM approved the application for issuance of locker?
Are vacant locker keys kept in a sealed cloth enforced opaque envelope under the dual control of the Locker Custodian and Br
Are SS cards & all Safe Deposit Box (Lockers) application Forms filed in a serial order and kept in a fire proof cabinet under d
Is key deposit received and properly booked in General ledger and entry made in key register?
Is rent received properly recorded in General Ledger and locker issuance register?
Are mandate forms obtained and screening performed as per NCTO if locker holder appoints any other person to operate locke
Check branch allowed the three locker operators (jointly or singly) where account is opened in normal category and four locker
Is the locker number mentioned in all related documents?
Check is all details entered in locker issuance register?
Check whether branch has obtained customer acknowledgment on locker opening form in noting" I have received my keys in s
Ensure that staff performs customer CDD of locker holder / POA on e-KYC module as per CAAML policy.
Check whether branch has sent scan image of locker forms (all documents including SS cards and photograph of the customer
To ensure that staff obtains the purpose of availing locker facility from licensee and evaluate it with the profile of the client
Is lockerthe
Access operated
control by the customer
of keys at the
and security time of locker issuance to confirm that locker is empty and correct key is delivered?
measures:
Are locker’s vault keys handed over to authorize staff as per IOM signed by Branch Service Manager?
Are locker vault and master keys movement recorded in key movement register?
Are duplicate Master keys sealed in an envelope and kept with nearest FBL branch or any other Bank.
Are the surrender
Review lockertokeys
the procedures keptSDB
access in sealed envelops and under dual custody of O/M and BSO other than locker custodian?
Are customer
Review the losssignatures verified by officer/SDB attendant, and the time of entry and the time of departure is recorded?
of keys procedure:
Are all keys reported loss duly notified in writing?
Are customer signatures on the report of loss key verified by an officer?
Are the charges for loss key deducted?
Is consent of all existing/new locker holders obtained for the insurance ceiling?
Is the breakage of the boxes performed by the manufacturer in the presence of the allottee/customer and witnessed by two offic
Surrender of Lockers: Has customer written request and signature on SSC been obtained at the time of surrender of locker?
Ensure that locker allotted in joint name closed on the basis of closing request signed by all the signatories.
Check details of the surrendered locker’s key will be recorded in the Lockers Key Register.
Check “Safe Deposit Box (Lockers) Closed Stamp” affixed on every document (i.e. Safe Deposit Box (Lockers) Application Form
Check locker surrender approved by BSM.
Check Safe Deposit Box (Lockers)/ Lever is changed after surrender of keys upon termination of lease. A record of change of lo
Is licensee operate the locker to check whether the locker vacant or not at the time of surrendering the locker?
Is log for Standards
Security change of forsurrender lockers of
Enhancement keys maintained?
Security Ensure that surrendered keys cut into two pieces and kept in sealed en
of the Locker:
Are SDB area adequately and reasonably secured from all sides and the security arrangements in place are fool proof and mee
Is corporate
Locker group insurance
Operations – Customer’sfor various
Processcategories
Flow: and sizes of lockers properly conveyed to the existing locker holder / new lo
Check that locker operations cards of the customers are reviewed by BSM
Check whether custodian obtained locker operation request from lisencee?
Is operation
Locker of locker allowed to customer one by one?
Operations
Is safe deposit box operating request date and time stamped through machine?
Is key register maintained?
Check that locker custodian has recorded customer's visit time in the system.
Is locker grill door kept closed during the day?
Check locker operations are not allowed after banking hours.
Is day-end
Locker reconciliation of locker operations report and locker access cards performed by locker custodian and BSM?
Charges:
Are annual lockers’ charges deducted timely and entered in system and register?
Are charges
Access taken up-front
the procedures at thepayments
of rental time of issuing the due
and past locker?
accounts:
Are over due rental payments being monitored?
Are past due Locker holder accounts flagged "Overdue"?
Are red stickers affixed on the over due lockers?
Are letters sent to customers within 7 days of rent overdue for their information?
Are second and third reminder letters sent to the customers with 30 days interval if no funds received in accounts?
Check In case the rent is overdue for a year branch shares MIS with respective GM and Head Branch Operations for advice. Af
Check on expiry of the notice period
period given
given in legal
in the notice,
notice, bankbreak
the bank proceeds
opentothe
publish
Safe a notice Box
Deposit in news paper in
(Lockers) forthe
reminding finally
presence to in
of two c
Are locker operations allowed to customers. Having overdue rent?
Ensure lost key process properly followed by the branch as per sec 4.9.7
Is locker master key and grill key of locker room with locker custodian during the day and kept in strong room under dual custod
Is reconciliation of un-rented keys performed on half yearly basis by an independent officer?
Ensure at least once in a year (annual review) BSM must match the Safe Deposit Box (Lockers) Forms with Safe Deposit Box (
Is monthly reconciliation of the rent received with lockers records i.e. with locker issuance register, system sheet/manually main
Ensure process of lost items found in locker area is followed by the branch as per sec 4.9.11.
Is Safe Deposit Box (Lockers) operation allowed in case of deceased marked lockers?
Has branch obtained approvals to refer cases to in-house legal advisor for serving the legal notice to customers where rent rem
In case of breakage /damage to the locker by any means, are the locker holder compensated by the bank/DFI immediately as p
Ensure
Debit thatIssuance
Card at the time of breakage there is no outstanding rent. Also ensure that there is no attachment order or legal injunctio
& Delivery:
Ensure that branch maintains proper record of ATM Cards received from the card center in the ATM issuance register.
Ensure that ATM cards timely issued to the customers as per service standard i.e. 5 days of receipt of application.
Ensure that in case of any discrepancy, branch would report to card operations unit within 2 working days from the receipt of da
Ensure that branch will report to ADC OPS uncollected cards on weekly basis
ensure that numbers of all shredded cards on daily basis sent to Call Center ITMC team for HOT marking in their provided exc
Ensure that replacement fee is waived for FBL staff including FTE, Bank Contract and TPC.
Ensure that upon receiving FBL debit cards Branch services manager puts machine time stamp on the card production report to
Ensure that in case of joint accounts, card will only be issued if operating instructions are ''either or survivor'' and one signature
Ensure that undelivered Cards are kept in fire proof cabinet/vault in the dual custody of BSO/BSM and the designated staff of b
Ensure that ATM card delivered to customer representative after obtaining authority letter, copy of CNIC (original seen by desig
Online Branches
e) Illiterate deliver
visually debit cardaccount
impaired/blind to customer only upon his/her physical presence and customer must produce his/her valid o
holder.
f) Joint
To check accounts (joint operating
branch does not refuseinstructions)
issuance of ATM / Debit card to literate visually impaired/blind account holders against duly wi
If undelivered ATM debit card not collected by the customer /representative. Ensure that reminder letter sent to respective custo
Ensure that if cards not collected within 60 days the same destroyed (by cutting the magnetic stripe in two halves) in dual custo
Ensure e-mail sent to call center for hot marking the card after destruction and keep in loop CPU, Asst OPS and card productio
Ensure that combination code kept under the custody of BSM and safe key with Head BSO in their absence these functions to
Ensure that combination code of ATM machine changed at least once in six months or as and when staff handling these combin
Ensure that duplicate keys of ATM Safe and combination codes are kept in the safe keeping of the nearest FBL branch in a sea
Ensure that monthly
Replenishment balancing
of cash in ATM of undelivered ATM debit cards is done
Ensure only authorized custodian opens ATM safes.
To ensure that that counterfeit notes are not fed into the machine and also ensured that cash replenished in ATM are not cut /so
Ensure that sufficient cash is available in ATM at all time.
Ensure that for long weekends maximum cash is fed in the ATM and insurance coverage for excess cash also arranged.
Ensure that Journal rolls kept in original and these rolls are stored in a box (not exposed to light) and placed at the reasonable
Ensure that branch Service Manager & Vault BSO or their designated backups balance ATMs on daily basis maximum by 1 pm
Branch Service Manager or his/her back up should ensure that all the activity of ATM cash replenishment is done under superv
Check are details of cash replenished be entered in the cash register (denomination wise)?
Ensure that actual cash is balanced with cash journal roll and reconciliation is carried out for differences if any in order to identif
To ensue that excess/ shortage of cash over Rs 20,000/- require approval from Regional Operation Manager
Are all
ATM overages & shortages accounts traced out within prescribed time period?
Room
Ensure lighting and locking arrangements are available in ATM booth/cabin in order to ensure safety and privacy.
Ensure that a complaint / suggestion box placed in ATM booth and checked by designated person on daily basis
Ensure that helpline is installed in ATM room?
Ensure that CCTV camera is installed in ATM room in such way that customers PIN input cannot be captured. Further CCTV is
Ensure thatCredit
Automatic arrangements to construct ramps at the entrance of existing branches and ATM cabins to allow easy access to spe
Ensure that cash retraction transactions are followed as per SBP circular No PSD Circular No 2/2010 dated 08-07-2010.
Ensure that immediately after crediting account of the customer, they must inform the customer in writing through approved cou
Ensure
Retain /that if customer
Captured Card account debited without cash dispense minimum balance charges should not be recovered.
Ensure that if card retained / blocked by the ATM, branch removes the card from ATM and record the card number and details in
Ensure that CVC value is cut out/marker and has not in visible/readable form.
Ensure that branch also required to keep the copy of captured card for record purpose
Does branch deliver the card to respective customer against proper identification & acknowledgment in captured card register
Ensure that email is sent to ITMC@faysalbank.com for temporarily warm/hot blocking of cards in case captured card is FBL poc
Ensure that branch take signed receipt on FBL standard format and affix date and time stamp while delivering the card to the cu
Ensure that branch intimated details of captured cards as per PSD Circular Number 1 of 2008.
Ensure that application form must be filled up by customer and copy of CNIC obtained and held on records while delivering cap
Ensure that original seen of CNIC is placed from officer end on photocopy of CNIC
Ensure that customers collected the card within 2 days otherwise sent to Card Center / respective card issuing branch and CFC
Ensure that where customer does not approach to collect his card from his/her issuing branch within 8 working days then issuin
Ensure that details of shredded cards be shared with CFC on weekly basis.
Ensure that in case Watan card is captured, the acquirer branch staff assist the card holder and facilitate him/her in lodging a co
Ensure that in case of watan cards the acquirer branch send the captured card along with the complaint lodged by the card hold
Ensure that any suspicious card for example plain white plastic cards or any unusual card is to be preserved and returned to CF
Check that two different authorized officers are designated by BSM to handle cheque book issuance and delivery to the custom
To ensure that requests for issuance of cheque books in case of second or subsequent cheque book where requisition slip is lo
To ensure that If cheque book not requested by customer at the time of account opening, then branch will obtain a request on p
To ensure that if customers requested for issuance of new cheque books in lieu of lost cheque book requisition staff deduct res
In absence of Physical presence of Customer (for lost cheque book requisition cases), CBC should be done on registered numb
Check that all cheque book requisitions of the existing accounts upon receipt, are checked by the branch for genuineness of re
Check that all cheque book requisitions are Machine Date &Time Stamped by the branch designated officer in order to record r
Is signature verification done on requisition slips?
Check that in small branches cheque book delivery function rests with the operations manager.
Check that where customer insisted for delivery of cheque book other than parent branch a written request is obtained duly sign
Are all cheque books delivered to customers in case if he/she will come to online branch personally i.e. other than parent branc
Ensure that all cheque book requisition slips from an online branch is received along with a covering memo of branch.
Upon receipt of cheque books requisition slips, branches must ensure to check the status of account for any restraint such as d
Ensure that if previous cheque book has not been sufficiently utilized in Symbol branches, OM/BM approval obtained on the req
Check If the person comes him/herself, for submission of requisition slip the evidence /notification of the same should also be m
Ensure that cheque book request captured by issuing officer/BSO in system through relevant function by the issuing officer, not
Ensure that all requests must be file date wise along with system report duly signed by concern delivery officer or his/ her backu
Ensure that stamp duty/charges are deducted for all cheque book prior to its delivery to the customer.
Ensure that confirmation letters on prescribed format are sent to customers in case cheque book delivered to third party represe
Ensure that branch should deliver cheque book to authorized representative of account holder if accompanied by authority lette
Ensure that in exceptional cases where cheque books delivered to customer's representative where contact with the customer
The cheque book will not be delivered to any bank staff even if he / she holds customer’s written authority. Under special circum
To check for delivery of cheque book to authorized representative from parent branch only. Call Back Confirmation must be don
Check if customer has produced his/her valid original CNIC and the same will verify and Copy of the same will be marked origin
Branch would not deliver the cheque book to authorized representative of customer where customer contact is not established.
Ensure that BSM check the total cheque book request received during the day and a temporary restraint is marked through EO
Check for Joint, company, partnership or trust/association can activate their cheque book providing the confirmation of receipt o
Ensure that all cheque books issued to customer are recorded in the register maintained for cheque book issuance and it is rev
Ensure that cheque book delivery officer update the issuance / deliver register, take custody of cheque books and place them in
Ensure that branches put machine time stamp the cheque book production list upon receipt of cheque books.
Ensure that undelivered cheque book is destroyed by the joint custodians after 45 days from the date of receipt with the written
Ensure that reminders sent to the account holder for the collection of cheque book after 20 days from the date of receipt at the
Ensure that if above letter returned undelivered the branch BSM immediately mark the restraint WAU in respective account and
Ensure that all cheque book requisition slips must be filed delivery date-wise for record purpose.
Ensure that undelivered cheque books is kept overnight in the fire proof cabinet under joint custody of cheque book delivery off
Ensure that stocks of undelivered cheque books balanced on fortnightly basis against out standing entries in the cheque book i
Ensure that BSM extract the report “Cheque Book Issued by Branch” from KM on daily basis to ascertain that total cheque book
BSM/BM should reconcile / verify the cheque books delivered to customers during the day with acknowledgements in cheque b
Ensure that SCI restraint is deleted and CBD restraint marked in the system against the relevant serial number of the destroyed
Check if the stock of undelivered cheque books is balanced on fortnightly basis with the requisition slips and the cheque book is
Ensure IOM as per annexure 4.5-M is prepared and first and last leaf of cheque book and the original requisition slip is attached
Designated staff will update and record proper notation in the cheque book issuance/delivery register by highlighting them to be
Cheque Book Destroyed (CBD) report from KM is provided to branch by respective AOM on fortnightly basis for reconcile
Ensure staff does staff obtain customers’ signatures in advance on the receiving portion of requisition slips at the time of accept
Asaan Account cheque books will be delivered to customers on their visit to relevant branch only.
Ensure that Original Cheque book requisition slip be attached with the IOM and filed date –wise for record purpose.
Ensure that CBD report from KM is provided by respective AOM on fortnightly basis for branch record and to reconcile the same
Check that cheque book is issued to the guardian on minor and guardian’s names jointly.
Check
StandingIslamic branches avoid issuance and facilitation to provide conventional banking cheques book.
Instructions
Ensure that branch staff mention the mode of request received from customer/ representative/ post etc. on SI request and it is m
Ensure that Call back and compliance process performed by the branch where required.
Ensure that e-mails send to CPU are kept in branch records and customer requests are in order.
Ensure that on receipt of request for cancellation of SI, request will be machine date and time stamp and signatures verified
Check whether branch has informs customer in writing if fund transfer request could not be processed due to insufficient balanc
Ensure that acknowledgment from CPU must be obtained by branch via email for cancellation of SI.
Check that
Decease upon receipt of request for cancellation of standing instruction from the customers at branch, request will machine ti
Accounts
Check all the deceased accounts are properly marked as "Deceased" under informative restraint as "DAS'
Check that CPU-AMU marked the specific restraint type (SDA) on all deceased accounts
Check that in case of death of customer all power of attorney or mandates given by him/her are cancelled and status of the acc
Check Branch staff searches through the name & CNIC # of deceased in entire network and share the information with respect
Ensure that all the letters for verification of Succession certificate be addressed to the Assistant Registrar, Executive & Misc. Br
Ensure that CNIC and account number is notified to call center through email by BSM/BM for hot marking of ATM card (where
Ensure that in case of joint account where mode of operation is either or survivor, the survivor be requested to withdraw the fun
Ensure that funds only released against production of succession certificate/letter of probate after vetted from Company Secret
Ensure that in case where account balance is less than Rs. 100,000/- payment be allowed to legal heir without succession cert
Ensure that where account balance is more than Rs 100,000/- the succession certificate submitted by the heirs should be verifi
To check after release of funds the all accounts should be closed in system
To check system does not recover any sort of charges from deceased accounts
To
Stopcheck branch maintains the record of deceased accounts properly
Payments
Check if request received on bank's stationery, rubber stamp is required along with authorized signatures for corporate and com
Check stop payment requests received in writing? If request given over the phone a written request should be received same d
Check reason for making stop payment request is mentioned on the request.
Upon receipt of written stop payment request completeness of the request is checked & affixed with date and time on the reque
Ensure that staff check that cheques have not been presented/paid before the stop payment requests were received?
Check stop payments marked immediately (within 10 minutes) in system upon receipt of requests
Check applicable charges recovered?
Check acknowledgement of stop payment on standard printed format should be delivered to customer by hand under acknowle
Check stop payments release instructions are obtained in writing and signed by account holder? Has branch obtained prior app
Stop payment
Duplicate request
Account already marked in system should be removed only by the branch who has mark the same.
Statement
Duplicate account statements are issued against customer written request and approval of BSM / BM.
Are duplicate account statements delivered against proper acknowledgement?
Is commission on duplicate issuance recovered as per current Schedule of Bank Charges?
Ensure branch staff has affixed machine time stamp and verified customer's signatures on request as per account operating ins
Are duplicate account statements delivered to representatives of customers against authority letter after completing call back co
Is any reference
Check letter,
if branch has w.h.taxoriginal
obtained certificate,
validaccount maintenance
CNIC from customercertificate,
designatedZakat certificatesand
representative issued against
attached customer
copy request
with request a
and
To check that customer representative’s specimen signatures available on authority letter
Check that undelivered SOAs are shredded in the month of Jan and July for the preceding cycles.
MIS of shredded SOAs must be signed by two officers of the branch one should be BSM or his/her back-up if BSM is not prese
check designated staff inform respective customer that SoA will be couriered to on the address available in bank’s record if unc
Are designated coordinators appointed in Islamabad, Lahore and Karachi, duly authorized to facilitate the process of requests o
Are the requests for verification of accounts /bank statements of Students Applying for Foreign Education received disposed of,
Is branch charging
Complaint Handling“processing fee” under any head for accounts/ bank statements of students verification from the accounthold
Check that Floor Service Officer or BSM of the branch daily check the complaint boxes installed in the branch.
Ensure that all written complaints received by the branches should first be time stamped & immediately lodged in Siebel (compl
Are customer complains logged in Siebel system & proper record is maintained?
Are customer complains sent to CSU for handling
Are all complaints received by the branches are time stamped & recorded in complaint register and routed to Complaint Servici
To check at the time of complaint logs in siebel branch code number is also input in system
To check that customer related Grievances for clearing issues/complaints are referred same day to Complaint Management Un
To check fraud complaint is referred to FRM and complaint unit taking senior line management in loop.
s the suggestion box placed prominently and suggestion cards are also available?
Are guidelines
Suspense for dealing with customer complaints strictly adhered by the branch? BPD Circular No. 17 dated June 7th 2004?
Account
Ensure that branch is reconciling all the unclaimed & outstanding pay orders on fortnightly basis through reports of unclaimed p
Are the proofs duly signed by concerned officer & BSM of the branch?
Ensure that if customer i.e. purchaser approaches for revalidation of Unclaimed Pay orders, branch would first obtain the written
Ensure that branch should file the copy of revalidated payment order & written request in separate box file.
Check if the proofing of all suspense accounts with (break-up & aging wise) is prepared by the 5th of every month for the prece
Check if the entries booked in the Suspense Accounts are settled in the shortest possible time i.e. within a maximum of thirty (3
Ensure that entries made on account of tax at source, advance tax paid, tax recoverable, advance expense on new branches, a
At day end, the BSM/BM to ensure that the Deposit Settlement account has been reconciled.
Administration financial powers are being followed by branch for using imprest account?
Are relevant bills enclosed with expense vouchers?
All the utility / others expenses should be approved as per schedule of financial powers
To check that advance tax paid on electricity bills correctly calculated
Paid Stamp affixed on all the relevant expense bills/vouchers
Check that
Physical staff/client
Access entertainment should not be claimed from imprest account
Control
Ensure that entrance of unauthorized person is restricted in vault / teller area.
Ensure unauthorized persons are not allowed in cash area and list of the authorized persons is displayed on main door of the te
Ensure that BM has designated one officer (OM) of the branch as the security & safety officer to coordinate with the Regional S
Ensure that branch is opened at 8:45 am and motion detectors deactivated (where installed). Guard less branches will also not
Ensure that security guards is provided a summary set of specific instructions boldly written in Urdu for their compliance.
Ensure that emergency contact numbers including police help line, crisis management team, fire stations, ambulance services,
Ensure
g) that necessary
Current lights,police
residence local sufficient for clearcertificate.
verification visibility from outside and specially in the secured areas where 24-hour video s
Filled duly attested enrollment form by company
Ensure that motion detectors, CCTV cameras & burglar alarm checked periodically by BM/OM (once in a week) and evidence o
Ensure that Log of surprise check will also be maintained with the branch for audit trail with the detail of Security Guard Compa
Ensure that replacement with a fresh guard must be arranged. BM/ BSM must ensure to check/verify the same on attendance r
Ensure that as per FD circular letter number 4 of 2017 dated November 06, 2017, recording of CCTV cameras installed in bran
Ensure that after the close of business and during the night, the security guards posted at the selected branch must remain insi
Ensure that under no circumstances at the guards shall leave the branch and or allow any unauthorized persons to enter the br
Ensure that alocation
(9) Any other written considered
request must be granted
necessary by by
BMthe BM and the concerned Area Manager jointly under intimation to the Head
(10) Inside and outside the vault.
Ensure that every branch should require to record and report every abnormal security related incident, alarm signal or any othe
Ensured that security guards be identified through NADRA Verisys before their deployment in the branch
Ensure that staff identify technicians before allowing them access to CCTV and ATMs for maintenance and servicing
Ensure that staff always lock their PCs while going away from their work stations.
Ensure that the CCTV equipment installed in the branch is password protected.
Ensure that external USB (Universal Serial Bus) ports of desktop personal computers are restricted.
Ensure that guards be positioned in a manner that they can observe all visitors and are in a position to react in emergency. Furt
Ensure that guards are not allowed to remain posted at one location for long time and should be rotated at least once in six (6)
Ensure that BM/OM periodically carry out inspection of the premises (once in every 3 months). Is report of the inspection held in
Ensure that minimum two guards posted at all times in high and medium risk branches?
Ensure that keypad is located at a place where its use can not be easily seen by anyone. Is remote panic button also available
Are the panic buttons installed in branch operational and checked on periodic basis?
Ensure that all remote security passwords, access to key pad be confined to only authorized persons.
Ensure that at the end of the day the alarm in cash vault and locker room activated by the authorized person and recorded in th
To ensure that the passwords and codes are periodically changed at least once in quarter and at the time of employee leaving t
Does branch notify new contact numbers to the remote security services provider with information to the RSO/Head S&S with e
Check whether during weekends and long holidays random surprise check and monitoring of the security guards posted at the
Check whether log is being maintained by branch on daily basis for security alarm coding and decoding.
Ensure all necessary lights are switched ON during off hours to cover CCTV recording during night.
Do OM/BM ensure that no guard is performing duty more than 12 hours in one shift?
Ensure that alarm system and surveillance equipment periodically tested by the BM/OM (once in a week) and recorded in log b
Ensure necessary lights, sufficient for clear visibility from outside and specially in the secured areas where 24 hour video surve
Ensure that branch must have emergency first aid box fully stocked with necessary materials and ready for use at designated p
Ensure that a portable fire extinguishers are installed in the branch.
Are identities of guards deployed in the branch checked with the security firm and verification process is conducted i.e. supporte
Ensure that records of data of customer due diligence (e.g. CNIC, passport, driving license, account files and business correspo
Ensure that main door of the branch is reinforced with a grill / shutter and all glass windows and façade be protected by a grill o
Ensure that any staff member is not allowed in branch premises after close of business or holiday without written permission gr
Ensure a steel latch lock shall be installed inside of the ATM front door for the safety of customers.
Ensure Sufficient lighting be provided outside the ATM area.
Ensure proper frosting is being done on ATM room glass in order to protect customer transaction secrecy.
Is fireDefinition
Role drill carried out periodically?
Obtain Organization Chart, JDs of all staff and their back ups, latest user profiles of Symbol 8.5 System . Ask for the latest revi
Are assigned roles to individuals match with their JDs?
Are all IDs authorized from respective line Managers?
Are exceptions in role approved by Head IT Security & Risk Management?
Check that users do not share passwords in any circumstances.
Check that staff ID (symbols) is linked with the relevant branch and BSM or BM
Is the assignment of user rights based on pre-defined roles?
Are conflicting roles assigned to any individual?
Are dormant activation rights / role assigned to authorized staff only?
Is entry and authorization both rights given to any staff?
AreAnnual
Bi- Tellers Review
assigned of Duplicate
User RolesAccount Statement printing rights in system?
Are defined IDs and assigned roles reviewed at least semi-annually, with a formal sign-off by responsible business owners?
Are Exceptions
Creation (e.g. privilege
/ Modification of Userchange,
Id disablement, etc.) if any, reported by the business Head to Head IT Security & Risk man
Are only rights/roles that formally requested
Transfer/Termination/Resignation of Employee assigned to the IDs?
Does branch intimate to HR for any resignation or transfer?
Does ID Management Team Coordinate with employee to disable his/her User IDs?
Does ID Management Team enable the employee ID on his day of join-back once the employee sends an e-mail request for en
Does employee notify the ID Management Team immediately if there is any change in his / her leave plan for necessary rectific
General
Ensure role / user ID rights not allocated without required approvals.
Have all employees given mandatory sign-off to Employee IT Security Guide?
Is
Orgassignment of conflicting rights/roles restricted to a specified period?
structure Procedures
Obtain latest approved Organization chart of the branch. Ensure present set-up is in accordance with it.
Ensure that up to date job description of all employees are in place, which are duly signed by the employees and approved by t
Ensure that casual Leave being only emergent and incidental in nature may not be allowed for more than one day at a time. An
Ensure that sick Leave where availed for more than three (3) days at a time must be supported by a medical certificate from a r
Ensure that rotation of branch staff between branches, at least once every three years subject to justification
Ensure that branch staff follow no smoking policy.
Ensure that proper leave record is maintained, and staff avail the leave according to the HR Policy.
Ensure leaves taken are in accordance with bank’s policy and PL must be availed for 15 days without break at least once durin
Ensure that in case of carryover of PL up to a maximum of 10 working days be allowed by end of April endorsed by the Functio
Ensure current year leave roster is on record and the same was sent to HRD, HO.
Ensure that all the leaves should be updated in HRMS which should be approved by line manager.
Ensure that staff follow the HR circular dated: 16-04-19. regarding dress code.
Ensure handing over / taking over procedure followed at the time of staff transfers / resignations ?
Ensure staff wear bank I.D cards during officer hours.
Ensure that branch is not reimbursing hospitalization expenses. The same should be done through Insurance Company.
Check if branch is maintaining attendance register of staffs by mentioning Serial number, Name of Employee, Employee numb
Ensure that the branch conducts training courses / workshops to give a clear understanding of the SOPs to bank staff.
Check BSM has raised the request of BM authorization (Limit authorization), before proceeding of leave.
Check In case BSM is not available in the branch then AOM has raised the request for issuance of system ID to his backup.
Check limit enhancement request has not raised by BM himself.
Check that proper back-up arrangement of the staff should be made by the branch.
Check business continuity plan properly maintained and tested.
Obtain the Business Continuity Plan of the branch and assess whether it is properly and timely updated.
Is fire drill carried out periodically?
Does the branch staff familiar with the BCP details?
Check for any internal & regulatory policy & procedure update
Check that supervisor’s details of staff are correct showing in HRMS
Check Board
Notice if staff resumed the office during approved leaves following the process
Has the branch license displayed
Has the foreign currency dealing license been displayed?
Ensure that latest Profit Sharing Ratio & Weightages are displayed.(Only for Islamic Branches)
Ensure that updated Shariah Certificates / Fatwa.
Is circular regarding Timeliness of Pension Payments through Direct Credit System displyed.(SBP C & CPdCircular letter No 01
Have the latest deposit / consumer lending rates been displayed? (SBP BPD Circular No 6 dated 04-07-2006)
Has the bank’s current schedule of charges been displayed?
Is the FX services provided by the bank on account of travel, medical and education services notice display.
Is FE circular number 8 of 2015 displayed for public awareness regarding travel, medical and education services provision.
Is FBL whisle below poster (Raise your voice) displayed at branch?
Is the latest foreign currency rates list displayed?
Is circular for information of IPS accounts displayed by the branch as required by SBP circular FSCD 18 0f 2010?
Is the latest draw list of National Prize Bond displayed? (Conventional branches)
Is the circular/information regarding introduction of BBA (Basic Banking Account) displayed?
Is branch / place name displayed on bank signboard. As required by branch licensing policy issued vide BPRD circular No.4 da
Is list of crises Management displyed.
The bank will provide option to existing BBA Account holders (Opened in predefined neutral category) to convert their account t
Is the emergency telephone numbers list displayed at prominent place?
Is Contact details of SBP Facilitation Centre displayed BPRD 31 2008?
Is dedicated help line (UN number) for consumer customers displayed at notice board.
*Are utilityyour
Check billscash
accepted
beforehere signage
leaving and timing
counter, displayed?
bank will not be responsible after leaving the counter.
* National prize bonds are purchased and sold here.
is standardization of Customer’s Cheque Layout broucher displayed. As required by SBP through circular # PSD Circular No. 0
Is the circular/information regarding PRISM displayed?
Is the poster regarding ‘Banking Mohtasib’ placed prominently?
Are Q & A leaflets and specially designed complaint forms for Banking Mohtasib available?
Is notice of working hours and functions to be performed displayed in branches opened on Saturdays?
Is form “C”, National Tax Number, Branch Working Hours displayed on the notice board?
Is notice for submission of copy of valid CNIC displayed on notice board?
Ensure that latest list of “Unclaimed Deposit” displayed at a prominent place in the branch.
Informative Posters for Public Awareness and Handing over of Counterfeited Currency Notes as per BPRD CIR. NO 8 OF 2007
Notice informing general public that all currency notes bearing slogans of political, religious or commercial character cease to b
Features of currency notes displayed for public information.
Is notice for "Agriculture Loan Available Here" displayed in regional and Urdu language? Where applicable.
Is notice of information the security arrangements on withdrawal of Rs1M and above displayed as per Punjab Govt. notification
Are the latest audited Financial Statements of Faysal Bank Limited displayed.
Is the FBR's notice of ‘Online Collection of Govt. Taxes & Duties via internet banking or ATMs’ displayed inside branch premises
Is the banner
Record or panaflex bearing the description “DONATIONS TO THE SUPREME COURT OF PAKISTAN’S DIAMER BHASH
Retention
Ensure that record of any suspicious transaction reported by the bank retained till the bank gets permission from SBP. (As per r
To ensure that bank records are maintain for a minimum period of five (5) years, all necessary records on transactions both dom
Check
Returnsthat proper seating arrangement, drinking water, special assistance and due cared is provided to the senior citizens/ pe
Ensure that all the foreign exchange returns submit to SBP by the 3rd of the every month (violation of Chapter No XXII Para 5 o
Check that
Staffing FDD issuance
& back-up transactions is reported in Statement S1 (Schedule E3/P3) in Foreign Exchange Return System (ITR
arrangements
Ensure that proper back-up arrangement of the staff should be made by the branch.
Ensure business continuity plan properly maintained and tested.
Obtain the Business Continuity Plan of the branch and assess whether it is properly and timely updated.
Obtain the regular test result of Business Continuity Plan to ensure it is regularly tested
Is fire drill carried out periodically?
Does the branch
Management staff familiar
Information System with the BCP details?
Are service Quality TATs being observed?
Is visitor (vendor) log book properly maintained at branch?
Is "Save As You Earned Policy" followed by the Branch?
An intensive exercise has been carried out to reduce the usage of printers to comply with the paperless environment,
To reduce power 3KVA UPS installed in branches which will save energy and cost
LED lights fixed to reduce electrical consumption.
Check Installation of DC Inverter AC along with circulation fans.
Minimize usage of diesel generator by operating AC on UPS with longer back up time,
Are ATMs converted to renewable energy sources?
Setting of central heating and cooling system thermostats to 20°C or lower in the winter and 22°C or higher in the summer
Lights and appliances are switched off, when not in use
Dimmers and motion sensors available on lights where possible to control electricity use
Replacement of old appliances with ENERGY STAR appliances
Instalation of awnings, tinted window film, and green cover (trees, vines) to reduce a building's heat gain
Installion of solar tubes to reduce the need for indoor lighting, particularly in interior rooms
An inventory is maintained for consumption of resources like electricity, water, petroleum, paper etc. and send to Regional/Hea
Special green
In morning thelogos
inwardalong with file
clearing textis‘Green Branch’,
extracted by theare displayed/ Assistant
Supervisor on the hoardings
Managerabove green
of CPU branches
clearing from and on the notice bo
dongle.
Branch wise sealed bags are received in inward clearing from NIFT by 8:30 AM.
Counting of instruments and verification with NIFT scroll will be carried out. In case of any difference CPU shall inform NIFT in w
Checking of instrument regarding amount, matching of words and figures and verification of customer signature
To ensureManager
Assistant that Cheque, PO/DD
Upto Rsabove
2.5 MRs 300,000 should be analyzed in ultraviolet light by CPU.
Manager CPU Above Rs 2.5 M
In case
CPU willofforward
dormantallaccount
Solitairethe same will
cheques be invariably
(if specifically returned
issued by CPU. However
on designated solitaire cheque may
book)beirrespective
cleared from account and
of amount marke
oth
To ensure that call back confirmation >= Rs 1.00 M should be obtained from the respective branches / BSMs through e-mail.
To ensure that respective branch will confirm notification of the same on the copy of instruments with two authorized signatories
Ensure that Corporate customers cheques are referred to respective Relationship Manager / Team Leader for approval in case
To Ensure that if funds have not been available by 12:00 p.m CPU, will return such instrument with specific reason.
Cheque Return memos will be prepared in accordance with Returns Code list provided under Annexure C of PSD Circular# 03
To ensure that if the cheque are not paid due to any reason will be returned to concerned banks alongwith a “Return Memo” me
Ensure NIFT return bundle is prepared stating total number of instruments along with consolidated amount.
Ensure CPU has reversed the cheque return charges after the approval of competent authorities.
To ensure that ambiguous reason not mentioned on returned memo.
To ensure that cheque returned charges will be recovered manually due to insufficient funds.
To ensure that copies of branch wise returned instrument will be filed and kept at appropriate place by CPU.
To ensure
Ensure that upon will
Instruments realization
be placedof funds in outward
in a sealed clearing,
bag and handedinward
over normal
to NIFTclearing, CPU, clearing by debiting “Deposit Settlem
representative.
Test whether in case of any difference between the total amount of cheques and NIFT Inward Clearing sheet, all posting will be
Check the application of paid and signature verification stamp through UV scanner and preparation of date wise packets of paid
Application of paid and signature verification stamp through UV scanner or through printer and preparation of date wise packets
Packets of all cheques must be stitched in Bundles and appropriately kept in a proper place for future records
Check balancing in system is initiated by adding total amount of realized and un-realized instruments, If same match with NIFT
Pay Order received against returned instrument will be lodged in Outward Clearing by CPU, Clearing for onward credit to the de
Upon realization of funds in Outward Clearing, inward normal clearing account will be credited by CPU, Clearing by debiting "De
CPU will provide photocopy of Paid instrument on receiving request from Collecting Bank.
Toany
If ensure thatisalltoinward
cheque clearing
be returned transactions
after mustdue
clearing hours be checked by thebalance
to insufficient Supervisor through
or any daily branch
other reason, CPU,/ officer
Clearingreport and pre c
will immediat
In such case CPU will prepare letter to cheque presenting bank by CPU claiming funds through pay order against the returned
After balancing of inward clearing, inward clearing settlement will be debited by crediting normal inward RTGS account and CPU
CPU would then debit normal inward RTGS account & credit respective settlement account
To ensure that payorder received against instrument will be in deposit settlement account, and upon realization of funds in outw
To ensure that all the inward / outward clearing settlement / suspense account should be balance / reconciled on daily basis.
Check all inward clearing transactions are checked by supervisor/ department head through daily branch/officer report and pre
All sameCPU,
Ensure day clearing
clearing cheques (11:00 AM) andthe
prior to acknowledging intercity
receipt(10:00 to 1:00must
of cheques PM) verify
will bethe
processed through
number of afore mentioned
instruments and depositprocedur
slips ph
the designated
Ensure Bag staff ofup
(s) are be picked CPU
by is affixing
NIFT’s receivedrider
authorized stamp (with
from dateClearing
CPU, and time) on the time
at cut-off IoM to
asacknowledge the same
advised by NIFT from time to
Check whether designated user in CPU, Clearing compile MIS batch wise for uploading in the system in the morning of next wo
Check whether designated user in CPU match branch SOFT copies with NIFT scrolls.
Check whether
Ensure supervisor
all BT related upload the
transactions transactions
(PSO/ branch
Credit Cards) arewise withmanually
posted CQCC transaction code, the
by the designated same
staff andtosubsequently
be executedauthorize
through
Check upon receipt of outward clearing return alternatively CPU prepare soft copy of all debit vouchers (branch wise) through s
Check whether transactions (Credit or Debit) which are rejected after processing through upload option due to any restraint, err
CPU willwhether
Ensure ensure system
that Payee account isreport
is generating credited against
on debit the proceeds
vouchers of the credit
for all debit/ instrument lodged &
transactions in cross
overnight clearing
checked andbefore
signedthe
by C
t
Check whether outward clearing is considered balanced if the total amount of realized instruments & returned cheques is same
Check whether difference between total amount of outward clearing & NIFT sheet is identified through daily branch officer repor
Ensure that after balancing of Outward Clearing entries with NIFT clearing sheet, outward clearing settlement GL is credited by
Check whether CPU, clearing is debiting respective settlement account & crediting respective Outward RTGS account.
Ensure whether deposit Settlement Account is credited by CPU- Clearing upon realization of Inward Collection cheques in Outw
Check whether CPU Collection is debiting Deposit Settlement Account and crediting relevant COC settlement account to settle
Ensure an excel sheet is being created, showing amount & account numbers and reasons for all instruments returned in Outwa
Details of all returned cheques will also be noted in Branch wise excel based Cheque Returned Register.
Returned Instruments should be handed over to authorized staff / rider of the branches
Branch wise deposit
Check whether slips / voucher
designated clearing bundles willcheck
staff cross be prepared and stitched
all transactions by CPU-
through Clearing
system and report
generated kept inofathird
fire proof
party cabinet
Moduleattoaa
Check whether
Ensure whetherevidence of theofsame
reconciliation RTGSisA/C
provided by signing respective
(outward/inward) checker,
is carried out daily supervisor,
and evidenceassistant manager/
of the same manager
is provided by on the
super
Ensure crossed/payee account cheque verified with the title of account in which it is deposited.
Ensure
Assistantcheque
Managerdrawn on dormant account should invariably be returned.
Unlimited
Manager CPU Unlimited
To ensure that transactions should not be authorized in the system unless returned cheques are received from NIFT.
Ensure clearing stamp/endorsement stamp affixed on face/back of instrument
Check instruments received after 3:30 p.m are sent to CPU on next working day
Check in case of difference if any, same corrected by CPU & informed to Branch via e-mail
Check crediting fate against instruments initiated in after noon by user in accordance with assigned crediting limits as mentione
In case of fate received against dormant/blocked marked account, Same should be credited in “deposit settlement account” unt
After balancing of outward clearing with NIFT clearing sheet. CPU will directly debit SBP Nostro account with outward clearing G
Branch wise deposit slips and voucher bundles are stitched by CPU and kept in fire proof cabinets.
Cheque returned in outward clearing are kept under dual custody till next working day under fire proof cabinets and same collec
To ensure that CPU will accept US$ cheques for clearing that are drawn on banks located in Paksitan.
The cheques received from various branches on Thursday, Friday will be lodged in USD-Clearing on Monday. Likewise, cheque
Ensure while accepting cheques for clearing, they are properly scrutinized before their lodgement.
To ensure that clearing stamp should be affixed on face of the cheque and "Endorsement Confirmed" stamp back of the cheque
In case of clearing stamp of any other FBL Branch / Bank, the cheque receiving officer will check the reverse side of the check
To ensure in case of any discrepancy, the concerned officer email the OM/BM of the respective branch for rectification. Cheque
To ensure that charges should be recovered manually as per SOC.
For USD clearing cheques (both conventional and islamic customers), designated staff of CPU will debit SBP local FCY Clearin
To ensure that copies of retuned cheque alongwith return memo should be kept for record purpose.
To ensrue that cheque received in FCY Inward Clearing should be properly scrutinized.
Customer signatures should be verified as per assigned limits.
To ensure that if cheque is in order CPU will debit the customer account and credited US$ deposit settlement account. For Islam
If the cheque is returned for any reason Return Memo should be signed by the Supervisor/Asst Manager CPU along with return
Cheque returned charges can be recovered as per SoC.
To ensure
PRI that paid cheques should be kept with daily vouchers in fire proof cabinets.
Remittances
Obtain list of authorized branches & authorized/active agents for processing of FRC transactions.
Check system
Test does uniquedata
remittance loginprovided
IDs and by
password provided
the Exchange to desiganted
companies staff to
or foreign access
banks the application.
through Does
web or e-mail etcsystem restrict
is aligned withthem
SBP
Test does system's generated receipt bears Remittance Identification No. (RIN) on both customer's & bank's copy.RIN can be g
Did Financial Institution forward all set of documents for Account opening of Exchange companies/Foreign banks to CAAML for
Are the SBP approval sought from SBP for opening of Exchange compnay / Foreign Bank Account.
Test does FRC system
remmitter also&generates
name beneficaryUnique tracking
name is checkedNofor
forOFAC
transaction
& UNSC tracing in FRC
list by SYMBOLS.
system prior funds transfers to benefic
Check
Test does
does CMO
name oftimely update
remitter,his OFAC & purpose
sources UNSC listofas and are
funds when notifiedby
provided bythe
P&P (Policy and
exchange Procedure function)
Company/foreign viaAML/KYC
bank for e-mail. p
Check in case of beneficiary name not verified under OFAC or UNSC list, CMO has obtained relevant information (date of birth,
In the case
Check of aofPotential
in case positive Match where
hits under CMO user isfunds
OFAC/UNSC unable to validate
remained heldtransaction on the
in PRI sundry basistill
account of the
Secondary information
information (DOB
is not provided
Test if payments are made through PO to the beneficiary, check PO issued within 24 hours of the receipt of funds by FBL via Ca
Check that FRC filtered Instruments issuance transactions shall be uploaded in CashLink / CBS for digital PO issuance and dis
In case of Payment Order return (due to mismatch of address or any other reason), it shall be communicated to Exchange Com
Test applicable FED on issuance of PO are bourne by FBL
Test on the day of RDD received from exchange company same was processed same day. Incase RDD is received after banki
Test PO issued after 6 months are moved into Unclaimed deposit account. Test all such PO are paid after revalidation.
Test In case any instruction is not validated through any rule, it has parked in the repair queues. Further, any transaction rejecte
Test all transactions landed in different types of ques are prompltly handled by CMO
Check that exchange company's consent has been obtained over debiting their account for payout through sundry.
Check that the OFAC & UNSC screening of beneficiary & remitter has been conducted or not.
Test in remitted
Funds case beneficiary's
=<2.5M Rs. account standto
are subject Closed, CMO user has
EDD. Transactions hold the
purpose transaction
reflective in FRC andnature
of commercial manually refunded
are subject to to
beremitting
reported
In case of any dispute a informative restraint should be mark on the account.
Ensure that the purpose of remittance is clearly mentioned in the transaction and is indicative of home remittance (the essence
Check does CMO send monthly MIS of all PRI transactions above Rs. 2.5M received during the month to AML Team.
Test in case of transactions cancelled on request of exchange company/foreign bank but after crediting into beneficiary accoun
Test
2) all transactions
User are reconciled
activity logs with respect to on daily basis.
activities
3) Error Log for all errors are maintained by function
Check all PRI transactions are reported to SBP on their prescribed format with regular intervals
Enquire about the training provided to BM/BSM regaring PRI & FRC during the year
Enquire & get aware about performance the FBL website link used for tracking of remittance payments.
Ensure that complaint management module is allowed users to submit their COTC queries.
Test method of calculating rebate on FRC business for accuracy, claim lodged & claim receipt in bank books
Enquire Transfers
Internal about the inRemittance
Bulk payment files if available at CMO, then test payout forms.
Obtain list of Cash link customers & evaluate/asses their voulume of business for sample selection.
Obtain list of Cash link customers on-boarded & off-borarded during audit tenure. Test customer's ID were disabled.
Test that transactions received till 04:30 processed same day and for tansactions Involving more than 250 accounts processed
Test scrutiny of Transaction done by the CMO user and ensure that all the credentials including time stamp, date, amount in wo
Test designated staff process the transaction in symbols - EOC module and user print transaction batch report from the system
Test at the day end reconciliation to check that all transactions received in CMO have been processed without any overlook
Test scrutiny of Transaction done by the user and check all the credentials including time stamp, date, amount in words and figu
Check supervisor authorized tansactions in system through pay order module
Test CL PO outstanding report and GL account balance are checkded on daily basis on next working day.
Test Order
Pay at dayCancellation
end reconciliations carried out to check all transactions are processed without any overlook.
Check bulk cancellation request catered by CMO accompanying Client written request signed by authorized signatories with Or
Test in case of beneficiary is a Government organization / autonomous body / Semi autonomous body / DFI / NBFI, discharged
Test funds are credited in the same account from where the POs were issued and, user affix “CANCELLED” stamp after cancel
Test supervisor
Duplicate Issuanceauthorises
of Lost transactions
Pay Orders and put his initials on the request
Test Incase of PO lost reported,Client has provided written request signed by authorized signatories together with an FIR as pre
Test customer’s indemnity on legal bond paper as per the bank’s format along with the request for issuance of duplicate PO iss
Are the duplicate
Issuance PO issued
of LCY DDs in Bulkwith
fromthe narration “Issued
TCSS/SYMBOLS in Lieu of Lost PO
Account
Test scrutiny of transactions is done by CMO user and ensure that all the credentials including time stamp, date, amount in wor
Test LCY-DD are issued by FBL payable at HBL branches as per our agency arrangement.
Test LCY-DD
FCY of over & above Rs. 200,000/- are issued by CMO on basis of IOM received by CMO-South via fax or email (follow
DDs Issuance
Test DD Issuance Request received at CMO through CSC / branches as original or scanned image through e-mail scanning mo
Test transactions scrutinized by the user all the credentials including time stamp, date, amount in words and figures, signature,
Check
FCY DD CMO supervisor
Cancellation ensured treasury
/ Treastment of Lostreporting
Pay Ordersin place before processing the transactions.
Test & evaluate on issuance of FDD funds are moved from DD payable account to Nostro account by TBO. Movement of funds
Test customer’s indemnity on legal bond paper as per the bank’s format along with the request for cancellation / lost FDDs obta
Test cancellation all FCY-DD outstanding checked from the reconciliation unit
Test for lost FCY-DDs,SWIFT message was send to drawee bank for their confirmation on the status of the cancelled DD
Are
• Forthe
Payprocessor
Orders / issue
Drafts,a transaction
duplicate draft with“PAID”
status the narration “Issued
appearing in theinreport.
Lieu of DD# .....”?
• For Cheques,
Cash transactions status “PAY” appearing in the report
Link Cheques
Check instruments printed at Client's premises do not carry authorized signatories however cheques printed at bank's end carr
Test Cheque transaction printing rights are availble with the authorized CMO users and can print the cheques for individual tran
Test CMO user print the report and ensure that all cheques appeared in the report has been printed as per the customer’s requ
Test CMO delivers the instruments to Branch / CSC officer / Customer’s authorized representative or deliver through bank rider
Test
CashCheques
Link Paynot presented
Orders / DemandwihinDrafts
period of six months/time barred instruments are automatically marked as stale in CL. On pre
Test after the approval CMO user can print the PO/DD and also print the report and ensure that all PO/DD appeared in the repo
Test Unclaimed
Processing PO are surrendered
of Structured Collection to SBP after Completion of 10 years.
Test designated staff properly scuritinizes cheques, deposit slips from clearing departmnet / branches / drop box / customers
Test supervisor authorises transactions in GTS Cheque Collection module after proper scrutiny and then run transfer data in the
Are the CMO staff scanning all the Instrumenst lodged o nClearing & Collection.
Others
Test all income generated via CMO are tagged to profit center of CMU under GL
Test bulk pre-printed stock of security stationery is kept in safe vault under dual custody & balancing is carried out on monty rhly
Review the delivery process of printed instruments at FBL as well as client premises and identify potential deficiency if any.
audit shall logs
Test designated are maintained
Officer/Assistant for 1) Transaction
Manager/Manager activity
of CPU uponlog receiving
transaction no. wise.issuance
DSC/SSC 2) User activity log with
application mustrespect
ensuretothat
activ
ap
Test whether processing user process DSC/ SSC issuance application after proper scrutiny.
Test user
check that enter
excelthe details
based of certificates
record issued
on fortnightly in is
basis excel based stock
maintained & sale register
duly signed & on the
by concerned application
officers form.
and supervisor/manager
Test designated User of CPU to issue Sale / Registration number on the application and also write the same on the certificates
Designated Officer/Assistant Manager/Manager of CPU must ensure that all DSCs/SSCs issuance applications processed durin
Does designated supervisor
Supervisor CPU submitverify
sale amount
statementof to
SSC / DSC
State sale
Bank of account
Pakistanon dailyPublic
(SBP) basis Debt Office as per the format (annexure A
Designated staff at CPU or Supervisor will submit the month wise sale report on the prescribed format (Annexure I / J) to SBP o
Manager or Supervisor must ensure that sale/encashment/premature encashment report is submitted to SBP by the next worki
Likewise, statement of certificates transferred & duplicate issued will also be reported to SBP by the next working day for the pr
Check stock of SSC/DSC certficate are physically balance with the balance as per stock card or stock register.
For obtaining fresh stock of SSC/DSC from CDNS sale report in annexure H for previous quarter has been verified from SBP pr
Test stock cards are updated as soon as receipt of fresh stock and same are kept under dual custody.
Test how does CPU manager ensures daily balancing of stock in hand.
Test does Commission @0.50% were claimed from SBP 90 days after the completion from date of issuance of certificates.
Test does CPU carry out monthly balancing of amout receivable from SBP on account of SSC/DSC encashements and profit al
Though DSC/SSC are encashable at par any time after one month from the date of purchase. Test no profit is paid if encashme
Test that appliacble WHT @10% recovered from income tax filers & Non filers respectively & Zakat@2.5% was dedcuted at the
Check that Designated Officer/Assistant Manager/Manager of CPU upon receiving DSC/SSC issuance application must ensure
Check that Once the relevant financial entries are passed, designated user will issue the certificates and enter the details of cer
Ensure that Designated User of CPU to issue Sale / Registration number on the application and also write the same on the cert
Check that Designated staff of CPU, would also affix “Issued on_______” stamp on customer’s application mentioning date of is
Check that Designated staff of CPU would forward relevant customer’s application along with certificates to the concerned Assi
Check that Concerned Assistant Manager/Supervisor will thoroughly review and cross check all the details mentioned on custom
Designated staff or Respective Supervisor of CPU to ensure dispatch of original certificates along with copy of processed applic
Designated staff of CPU must ensure marking of date of dispatch / acknowledgement right next to the details of certificates in re
Designated Officer/Assistant Manager/Manager of CPU must ensure that all DSCs/SSCs issuance applications processed durin
Ensure thatproper
Check that On theentries
next working day, the
are passed designated
by the officer
designated or Supervisor
officer CPU
of CPU while will submit
depositing SBPsale statement
cheque to State
to Public DebtBank of Paki
Office
Test DSC/SSC
Check issuance request
that all discrepant received
issuance by 4.00
applications p.m.
would bewere
sent processed on same
back by CPU day, lateBranches
to respective receipts to be processed
without on next
processing, wo
followe
In case of transferrable/re-issuable cases test SSC/DSC are transferred/re-issued from one person to another or to legal heir by
In case certificate is lost, or destroyed, the purchaser or his nominee(s) or heir(s), as the case may be, are entitled to have dupl
Designated officer of CPU while receiving profit coupons for encashment must ensure that proper disbursement instructions are
Check that after scrutiny of encashment on profit coupons, profit will be paid to the customer and entries are passed.
An email addressed to respective branch will be sent to the effect of having credited the concerned customer account.
Test in case of premature encahement, duplicate issunace or transferred cases same were reported on next working day to SB
Test that for encashement of SSC profit coupons or DSC same were properly endorsed on the back of coupon by the applicant
Bank is required to disbursed principal/profit first to customer and claim later within 7 days amount paid from SBP.Test whether
Test Claim schedule on "Annexure C" was lodged with SBP within 7 working daysafter receiving WHT challan from FBR.
Settlement of claims for encashment /profit/commission from SBP will be processed upon receipt of credit in SBP NOSTRO act
Test that Certificates are properly endorsed by the applicant and proper disbursement instructions were mentioned on encashm
Test In case Ramdan falls during the tenor of investment, Zakat has been deducted once at the time of encashment @ 2.5% o
Test in trasnferred cases of SSC in the name from one person to another, profit coupons were detached and defaced from new
Test SSC transfer charges were recovered from transferor as advised under SOC
Test in case of marking lien favoring other bank. CPU has received discharged certificate along with letter of lien from Custome
Test that CPU has marked stamp of "lien mark in favor of---" on the each scrip mentioning the date of lien marked and same no
Test supervisor of CPU has placed his signatures on the back of each scrip and issuance application with FBL rubber stamp. Te
Test while
Term releasing
Deposit lien marked earlier designated staff has affixed stamp"Lien released in favor of---" stamp on the back of ea
Issuance
Test
In thatofalarge
case valid Corporate
customer account
Depositsison
maintained
selective at anyespecially
basis of FBL branch
whoseprior
full to issuance of
movement of funds
TDR. are envisaged at each maturity
Test on sample basis that Account title on TDR and Account are same.
Check
Ensurethat
thatoriginal
customerTDR application
cheque carry
for TDR customer's
application name,
is not account
provided number, amount in words and figure, desired tenor, instruc
by customer.
Any cutting, overwriting or alteration on Term Deposit issuance application must be supported by full signature of customer.
BSM/ or his her backup of concerned Branch while forwarding Term Deposit issuance application to Central Processing Unit (C
Check that in case of TDR booked at special rate written approval from concerned authorities must be obtained from the conce
Ceck that placement of TDR from photo accounts must be in presence of two branch senior authorized persons from Branch O
Ensure that original
the TDRapplication is also
relations with sent to
deposits ofCPU,
PKR 2MTerm
and Deposit
aboveon
arethe
notsame day or latest by the next working day
classified as Pre-Defined Neutral
Test that designated staff of CPU has mentioned date and their initials by affixing stamp "Issued on Date" on application.
Test that all Term Deposits processed during the day and customer’s application were forwarded to concerned Supervisor for h
Test that concerned
Designated supervisor
staff of CPU reviewsshall
Term Deposit and courier
cross check
the allallTerm
the details
Depositsmentioned on application(without
receipt confirmations with system's generated
any threshold TDR
limits) to a
c
Test does CPU maintains an MIS for all TDRs issued diuring the day in prescribed format as mentioned in retail banking proced
TDR applications processed during the day are appropriately filed and kept under dual custody (as designated by the Manager
No Term Deposit will be issued by CPU, Term Deposit with special rates unless written approval of same from concerned autho
No Term Deposit will be issued by CPU, Term Deposit with back value date unless written approval from respective Regional M
All Term Deposit issuance applications received within the cut-off time (5:00 pm) would be processed by CPU, Term Deposit on
Applications receivedreceived
In case any request above cut-off time would
from customer forbe processed
issuance by CPU,TDR.
of duplicate Term CPU
Deposit
TD on
willnext working
email day,certificate
duplicate if otherwise in order.OP
to Branch
Roll Over at Rack Rate
System shallstaff
Designated automatically renew/rollover
shall generate the Term
the confirmation Deposit
advices of Receipts on due date where “W/O” (signifying renewal/rollover in th
renewed/rollover TDRs on daily basis and send the same to respective customers on their address as per bank’s record on the
Test that CPU staff cross verify renewed TDRs from CPU TDR account Report on daily basis
Test that upon
Roll Over maturity
at Special does system automatically roll over principal plus profit earned earlier.
Rate
Test that Approval for the special rates were obtained by the branch and copy of the approval by competent authority together w
Relevant information & written approval of special rates from relevant approving authorities (Retail/ Corporate/Commercial) for r
Concerned branches/business must ensure to forward DNR original instructions to CPU TDR through approved courier service
Designated staff will extract KM generated on daily basis & cross verify the renewed TDRs from above report.
Test TDRsofatTerm
Renewal special ratesHeld
Deposit and Under
withoutLien
roll over
(Rackinstructions
Rate) do not outstand for single day at respective settelement account.
Test that CPU staff, upon receiving renewal instructions from CAD ensures that said TDR is renewed on the due date and gene
Test that CPU ensures that "under lien" is immediately marked on renewed TDR in system through deposit module & lien mark
Test that in
Payment at case of TDRs under lien only principal amount has been renewed.
Maturity
Test that does system pay Principal plus profit earned minus applicable Zakat and WHT in customers settelemnt account.
Test that designated staff of respective Branch would affix receiving stamp along with initials on pre mature encashment instruc
Test that instructions received by 5:00 p.m are processed on same day if in order otherwisesame will be processed on next wor
Test that User or Supervisor of CPU, crosscheck premature encashment instructions with details mentioned in TDR issuance M
Test that user affixed PAID "Premature Encashment On ........." stamp on TDR / confirmatory advice and forward the same to su
Test that profit would be manually(Excel based) & correctly calculated after applying applicable profit rate.
Test that penalty charges are recovered as per applicable SOC of that tenure.
In case penalty
Premature amount exceeds
encashment profit earned,
penalty waiver than profiton
and encashment must be paid
booking rateatrest
least @ Head
with the minimum rate in
of Products prescribed by SBP
case of Retail & concern
Under Lien Prematured Encashment (Symbols)
Test that customer request for premature encashment of TDR after settling liabilities for which lien was marked.
Test that prior release of Term Deposit, notation there against of "Collateral" has been deleted by CAD in system, a confirmation
Test
Lien that designated
Marking on TDRstaff affixed PAID "Premature Encashment On ........." stamp on TDR, customer original application, and m
Upon
Lien Removal onlien
receipt of marking request email from branch, Assistant Manager/ Manager of CPU TDR will check that lien marking T
TDR
Check UponOPENING
ACCOUNT receipt of email from CAD for lien removal, Assistant Manager/ Manager CPU TDR arrange to remove funds held r
Have all the required fields of CRF including CPF & RAF been properly filled as per scan documents?
Are required documents attached with account opening forms as mentioned in Annexure I regulation R-1 and required stamps a
Has NTN been mentioned in the employment letter of salaried persons? [Where applicable]
Is NTN verified from FBR website & proof of verification attached with relevant for. If NTN is not verified from FBR website, has
Ensure that AMU maintained data of accounts rejected by compliance or CPU
Ensureofthat
-Date birthOnce
Datethe original CRF
of issuance & other relevant documents are received, AMU reconciled these original CRFs and docume
& expiry.
-Mother maiden name (individual natural person only)
Does CPU designated staff verify entity accounts have BRN expiry date as 31-DEC-2999 where not available.
Does CPU Service
-Individual designated staff maintain a list/MIS of all such customers/accounts where the business relationship needed to be clo
Charge
-Zakat exemption
Does CPU Supervisor attach scanned copy of Specimen Signature Card in the relevant module and enter the operating instruc
Does CPU designated staff generate Letter of Thanks through system and dispatch the same to customer at given address thro
When Letter of Thanks returned undelivered with the reason customer's address is incomplete or incorrect or consignee shifted
Ensure that AMU send SMS to all customers on WAU marking (where cell number is available), informing them of the marking
Ensure that once the account opened successfully designated CPU staff must input the cheque book request in system as des
Does designated staff advise through an e-mail to the respective branch BM/RM to contact the customer and arrange to provide
Designated staff to correctly capture the customer's address in the system if error is found while cross verifying the same, gene
Does designated staff evidence that the customer signature is verified by the branch ops, Upon receiving new / correct address
Copy of Letter of Thanks sent on updated address must also be attached with relevant CRF for records. While proof of dispatch
Designated staff of CPU, Account Maintenance would maintain Branch wise Account Opening box files and file date wise opene
Ensure that in case of any subsequent queries of critical nature from branch and upon receiving written request from the Branch
Ensure
Hold that
Mail AMU marked EDR restraint (for address and profile) and for resigned staff and ensure the correspondent address
Account
Ensure that
MINOR customers availed hold mail facility (special cases) with the prior approval of respective General Manager. In such c
ACCOUNTS
A new client will be opened in the name of the minor in SYMBOLS via SEIBEL system. Birth Certificate / CRC - Child Registrati
To check at the time of account opening the client, industry type 'Minor' has been selected.
Ensure that Guardian Client number inputted in the 2nd tab where system will automatically fetch required details from client lev
AMU to mark discount on Zakat service type (039) in INDIVIDUAL SC MAINTENANCE in RB 212 of SAVINGS ACCOUNT OPE
A letter will be sent to the Guardian & Minor (Annexure 4.11.C) by the CPU LHR reminding the guardian that the minor will attai
The system would block all debit transactions in the Minor Account after 6 months from the date "Minor attains Majority". At the
For all new accounts CPU would put an account blocking restraint in forward value at the time of opening the account so that a
At the time of closing of minor account The account closing form will be jointly signed by the minor who attained majority as wel
Ensure
PENSIONERthat a ACCOUNTS
new account of Minor (who turned major) is to be opened, CPU would change the industry type of the client of the
Are certificates of pensioners received from branches kept with the CRF of the customers.
Ensure that Client Acceptance & AML / CFT Procedure (CAAML) Guidelines Applicable to accounts. The responsibility of scree
While opening
-Sahulat Current the063
client for new customers in system, CPU must ensure to use new client type (PEN) & category (PE). This is a
-PLS Savings 103
CPU will mark informatory restraint stating 'Life certificate due on/ non marriage certificate due on putting a forward date which
The expiry date of the restraint/ should be captured one month earlier i.e. 5 months from the certificate issuance date of issuan
CPU should place the account block restraint with forward expiry date of 6 months. The account will automatically be blocked a
CPU would generate report on weekly basis and send it to respective branches a month in advance of Life Certificate or No-Ma
CPU are required to carry out quarterly reconciliation with accounts offices on the basis of following items: New pension issued
Reconciliation statement shall be signed by the CPU authorized officers and copies shall be retained as permanent record. Any
CPU/Branch upon receipt of notification(death) from account Office or from any other reliable source, branch will automatically b
Funds will only be released upon receipt of succession certificate / instruction received from accounts office.
If no activity in account is observed during 5 months period in pensioner account. Customer would be sent a letter informing the
CPU will ensure/ minimum
*No restrictions TD Account balance Service
/ Locker charges
or any have been
other banking defined as
relationship NIL.
is attached to the Account which is to be closed.
*Account closing request is duly checked and approved by Branch Service Manager/Branch Manager.
Account closing application along with relevant documents (if required/original CRF if retained at branch) should be couriered b
Respective Supervisor or Assistant Manager CPU upon receiving Account closing application from branches will review the app
Ensure that, account closing application is processed by designated officer and duly approved by respective Supervisor or Assi
Account will be closed in the system and accrued profit (if any) will be capitalized. Accrued profit (net of WHT) will be credited b
AMU will prepare a MIS and share the detail with CMO through email on daily basis
Account closing stamp with date of account closed should be affixed on account closing application & relevant documents (if an
At the end of each day, Account closing report will be generated by the designated staff from systems, reconciled with number o
Designated staff of CPU, Account Maintenance will maintain Branch wise Account closing box files and all Account closing appl
Branch wise Account closing box files will be kept under the dual custody of Supervisor and Assistant Manager CPU, Account M
Ensure that for accounts with nominal balances, if request of account closure received at CPU from management. Ensure that
Ensure that an email to this effect sent to respectives branch BM/BSM/SBSO, that account has been closed in the system by C
CPU - Account Maintenance upon receipt of such information(death) would immediately unmark all service charges
In case CPU or any other relevant unit is not able to satisfactorily complete required CDD measures, account shall not be open
CPUs and other relevant units and departments shall maintain all necessary records on transactions, both domestic and interna
CPU and any other relevant unit shall, however, retain those records for longer period where transactions, customers or accoun
CPU will receive
c) Identify IR, PEP,
and Verify Neutraldocument
the identity and PDN ofcases via KYC
the funds App/ Symbols
provider (i.e. CNICand will update
/ NICOP / POCthe risk classification,
/ ARC or Passport). next review date
CHANGE IN SIGNATURES/ AMENDMENTS IN CLIENT/ ACCOUNT
Are all change requests received through Seibel System?
AMU Officer must ensure that applications received are complete in all respects. Designated staff would then enter the required
Aftering processing, customer Request will be marked Closed in system with status Executed
Are all amendment requests will be checked by Supervisor / Asst. Manager and verify the amended details from system genera
Upon receipt of Original requests, designated AMU officer will reconcile from report of closed SRs. Subsequently, designated of
Ensure that SR number must be mentioned on top of Customer Request.
In case of deletion of a signature from a company account, a letter signed by the Company Secretary and / or new Board Reso
If a letter signed by the Company Secretary is received, AMU will send a confirmation letter (Annexure 4.1-DD) to Company Se
In case of change in address, copy of utility bill / any other document as mentioned in Annexure A/ CAAML procedure specifyin
Subsequent to required amendments in system, designated staff would sign the requests as the maker.
All amendment requests will be forwarded to Supervisor/Asst. Manager who will check and verify the amended details in the sy
In case of OF
CHANGE change in address,
ACCOUNT TITLE Designated Staff of CPU will generate Change of Address letters (Annexure 4.1.II) and dispatch t
For individuals title should match with the ID document.
Received request letter stating the reason of the change.
Ensure that Original seen CNICs copy with original seen stamp under the name, initial, date by BM/RM on record.
For individuals Verification to be done through Nadra Verisys by AMU. Proof of having done so should be attached with CRF. I
For proprietership
Original CNICs copies& unregistered partnership
of all Partners. BM/RM change of that
to ensure title is not allowed
original acceptunder
seen stamp to open
theaname,
new account.
initial, date etc. is affixed afte
Certified true
*Address copy of only
Verification recorded statement
in case of registrar
of address change of the firm specifying the alteration and signed and verified in the manner
*KYC as per CAAML Procedure.
Ensure that where address of the customer has been changed, the new address should be mentioned on CRF.
Designated staff at CPU will scrutinize the CRF and then process the request in system which will be further checked by Superv
All such requests must be jointly signed by the designated staff and / or respective Supervisor and / or Assistant Manager, CPU
DesignatedCNIC
EXPIRED staff at CPU would file the CRF with relevant CRF and documents pertinent to that account for records
On Monthly basis CPU-AMU will generate report of customers whose identification documents (CNIC/NICOP/POC/Passport etc
CPU Account Maintenance will print and dispatch hard copy letters to account holders whose mobile numbers are either not on
In case mail gets returned then the account marked as "Whereabouts Unknown" by CPU Account maintenance accordingly
Did CPU Account Maintenance forward file containing valid mobile numbers (as per above criteria) to ADC Ops.
SMS Vendor will forward SMS to respective mobile companies and share SMS forwarding confirmation report with ADC Ops.
Ensure that CPU obtained confirmation report from ADC regarding 100% SMS forwading.
CPU Will maintain provided SMS logs record for Audit purpose as per record retention policy
CPU will generate expired CNIC report (Pan Pakistan) on monthly basis by 5th of every month, showing the details of clients w
Similarly records of expired Passport (if available) / Pakistan Origin Card (POC) will also be generated by CPU on monthly basi
Designated CPU staff will manually check the CNIC report and exclude the customers who have attained the age of 65. AMU w
AMU share data of 65 years above customers with ADC Ops to send SMS as reminder for submission of renewed identification
All follow up letters through mail merge option for expired CNIC / Passport / POC (Annexure 4.1-EE / Annexure 4.1-FF / Annexu
Signed copy of system generated report, used for generation of intimation letters, will be retained at CPU for record purpose.
AMU will extract a copy of VERISYS to check whether the CNIC has been updated or not. This exercise will be conducted on q
AMU would make a second attempt to extract the VERISYS every six months for the entire pending data of all active accounts.
A copy of the VERISYS will be attached with the respective CRF for record purpose.
A list of PARTY
THIRD all accounts where the CNICs still stay expire, will be shared with the branches for their active follow up with customers
MANDATE
Branch RM/RO will obtain third party mandate / power of attorney from customer (physical presence of customer/mandate is ma
Change required by the customer in text of mandate/POA from the one currently in use must be vetted by legal & compliance p
E banking services will not be allowed to Mandate/POA holder unless authorized by the Principal in writing with signatures on E
Only supplementary card can be issued to Mandate/ POA holder if authorized by Principal
Branch must obtain CNIC and ensure that the signatures on the CNIC are matched with the signatures on SS Card and Third p
Screening of the mandate/POA, KYC & RAF (where required) shall be done as per CAAML Procedure by AMU
Upon receipt of the Mandate/POA and relevant documents, designated staff of AMU to scrutinize the same for completeness. In
Designated staff of CPU will scan the signatures of the mandate along with Operating Instructions in system.
All the Documents
Revocation will be
of Mandate bykept in separate branch wise file for records by CPU.
Customer
All scan document forward to AMU LHR to delete /remove his/her signature from system & Upon receipt of such request AMU i
AMU LHR also forwards a letter to customer by confirming the above act on the system given address
In
FAX case of any dispute found between account holders in respect of signature revocation authority/request, bank shall block the
INDEMNITY
This facility should only be provided to selective customers on the basis of approval from respective business group head (GM
Original should be couriered to CPU - Account Maintenance by Branch BSM or his/her backup which will be kept in safe custod
Upon receiving FAX Indemnity documents, CPU Designated Supervisor ensure completeness of the request as per Fax Indemn
CPU account maintenance to update fax indemnity of customer in system in relevant module.
A copy from original CNIC will be taken from the Supplementary card holder to verify the signature & other details and marked t
Duly filled & approved CRFs / ARF will be sent to CPU, Account Maintenance through Siebel as scanned copy well within the c
Ensure CPU tag the customer with respective service charge & modify the service charge date as current date for deduction of
Designated supervisor at CPU will cross check the data input in the system physically with the request & authorize the data whi
Verified formACCOUNTS
DORMANT duly signed by BSM / Branch Manager should be forwarded to AMU or for further processing as per the criterion m
CPU, Account maintenance shall extract prior dormancy report on daily basis and share data (Individual/Joint/Sole proprietorsh
CPU Account Maintenance will print and dispatch hard copy letters for accounts without mobile numbers and invalid mobile num
CPU Account Maintenance will forward file containing valid mobile numbers (as per above criteria) to ADC Ops.
ADC Ops. will forward file to SMS vendor for execution and ensure timely and complete execution of file.
SMS Vendor will forward SMS to respective mobile companies and share SMS forwarding confirmation report with ADC Ops. A
CPU Will maintain provided SMS logs record for Audit purpose as per record retention policy
It is responsibility of ADC Ops to provide AMU complete log of SMS Sent, delivered and remained undelivered.
For accounts other than Individual/Joint/Sole proprietorship or in case if SMS status is undelivered as per provided log of ADC O
In case if mail gets returned then the account will be marked WAU by CPU.
CPU-AMU shall extract report when an account becomes dormant, on daily basis and share data with ADC Ops (Individual/Join
CPU - Account Maintenance will extract the Intimation Letter Report on daily basis to mark -and suppress print option in relevan
Likewise,
c. An outward status change report
Remittance shall also
Transaction be monitored
received on daily
at the branch basis/ by
/ CSC CPUCPU - Account Maintenance to unmark -& suppress pr
Ensure that bank charges other than service charges can be recovered from the dormant account by using appropriate transac
CPU Account Maintenance (AMU) will activate dormant accounts manually in the system upon confirmation received from BSM
In case where account reflect restraint as CNIC expired BSM should send to copy of valid CNIC through Seibel to AMU LHR fo
AMU LHR will retrieve the system generated account activation report on daily basis for all branches and confirmation of accou
AMU LHRofwill
Handling generateInstructions
Customer report of all DORMANT account holders on yearly basis and share data with ADC Ops to send them SM
Has standing instruction (SI) received at CPU been scrutinzed by the branch like SI being machine time stamped, customer's s
Has original SI requests received in CPU on the same day or maximum next working day through courier/hand delivery.
Has CPU reverted back to the branch for original standing instruction (SI) if the original does not reach at CPU max by next wor
Does designated
in case officer at processing
of any discrepancy, unit
intimation to thereview theviacustomers’
branch e-mail, standing instruction on daily basis to ensure that no instruction
in case of insufficient funds in customer's account, to attach intimation e-mail sent to respective branch, with the original SI for r
Has processing department ensured to deduct Standing Instruction charges (where applicable) from the customer account as p
Ensure that no SI charges in case of consumer finance and Bancassurance customer.
Has CPU authorizer checked the transaction source document before authorization of the transaction in system?
Has CPU authorizer manually verified the auto authorized transaction prior to posting in the system?
Has processor upon receipt of original documents from branch, ensured that all transactions have been processed and reconci
Is Daily transaction report (DTR) checked where manual S.I posting is done by designated officer of Respective CPU hubs?
Has the CPU staff maintained all outstnding SI to be processed manually whereas all auto processed SI to be extracted from K
In case of cancellation requests received from branch, has the request machine time stamped, signature verified and 'Cancelle
Has CPU confirmed via e-mail to branch for cancellation of SI?
Has original SI cancellation requests reached in CPU max by next working day by courier/hand delivery?
Is manual MIS remarks column for cancellation updated ?
Has CPU informed the branch via e-mail if transaction not executed due to insufficient balance in customer'sEnsure account?
that AMU re
Ensure that Immediately after Ramadan 1st, (i.e. After valuation date) CPU Designated Supervisor Mark client ' s record for za
Has CPUClearing
Outward applied the cheque book in the system on the basis of CRF/ARF form as a part of new account opening process?
Has CPU staff,prior to acknowledging the receipt of cheques ensured to verify that the instruments and deposit slips are kept in
Ensure that bags were picked up by the authorized staff of NIFT?
Has the designated user in CPU Clearing compiled MIS batch wise for uploading in the system in the morning of next working d
Has designated user in CPU checked and matched branch SOFT copies with NIFT scrolls and the supervisor uploaded the tran
Are all BT related transactions (PSO/ Credit Cards) posted manually by the designated staff and subsequently authorized by th
Ensure that upon receipt of outward clearing return alternatively CPU will prepare soft copy of all debit vouchers (branch wise) t
Are transactions related to Outward Clearing authorized in the system by the supervisor of CPU, Clearing only upon receiving t
Ensure all rejected transaction (restraint, error or reason) manually posted by user, authorised by the supervisor.
Check that transaction posting and authorisation limits are adhered by the CPU?
CPU will ensure that Payee account is credited against the proceeds of the instrument lodged in overnight clearing before the C
Are System report/ debit vouchers for all debit & credit transactions cross checked and signed by the user, supervisors /Assista
Check if the outward clearing is balanced or not?
Is outward clearing settlement GL credited by debiting normal outward RTGS with a consolidated amount after balancing of Ou
Has CPU, clearing debited respective settlement account & credited respective Outward RTGS account?
Is deposit settlement Account credited by CPU- Clearing upon realization of Inward Collection cheques?
Is an excel sheet showing amount, account number and reason of all instrument returned in Outward Clearing uploaded on FBL
Are details of all returned cheques noted in Branch wise folio of Cheque Returned Register?
Upon receipt of returned instruments, has CPU delivered the returned cheques to the authorized representative of the branch?
Are branch wise deposit slips / voucher bundles prepared and stitched by CPU- Clearing and kept in a fire proof cabinet at an a
Has designated clearing staff crossed checked all transactions through system generated report of third party Module on Daily
Is reconciliation
Inward Clearing of RTGS A/C (outward/inward) carried out daily and evidenced by supervisor/Assistant Manager CPU- Clearing
Ensure that in case Clearing bags are improperly sealed/broken/tampered.CPU shall refuse to accept the clearing bags & inform
Is counting of instruments and verification with NIFT scroll carried out? In case of any difference CPU shall inform NIFT in writin
Is scrutiny of instrument i.e. checking of date, amount in words and figures, mutilation etc. performed?
Are Cheques, POs & DDs analyzed in ultraviolet light & IV Marker for payments ≥ Rs300,000/- by CPU?
Is verification of customers’ signatures on the instruments carried out by respective process owners as per assigned limit?
Are all inward clearing cheques bearing crossing / endorsement and clearing stamps?
Is call back process followed for cheques presented in the inward clearing > 1,000,000/-?
Ensure that CPU posts the transactions within 30 minutes if no response is received from branch for CBC, if otherwise in order.
In case funds have not been made available by 12.00 p.m. in solitaire accounts, CPU Clearing return all such instruments with
Are cheques drawn on dormant accounts invariably returned by CPU however cleared from accounts marked ‘whereabouts unk
Are Cheque Return memos prepared in accordance with Returns Code list provided under Annexure C of PSD Circular# 03 da
Are cheque return charges recovered for cheques returned due to insufficient funds?
Are Returned cheque memos signed jointly by the Officer of CPU, Clearing with either CPU Assistant Manager or Manager.
copies ofreturn
Are cheque branch wise returned
charges reversedinstrument
subject to filed and kept
approval atsame
of the appropriate place by CPU,
from competent Clearing
authorities for records and any subseq
only?
Is NIFT return bundle prepared stating the total number of instruments being returned along with their consolidated amount and
Is process of balancing of inward clearing followed by cpu staff?
Are all Inward Clearing transactions checked by the Supervisor through daily branch / officer report and pre consolidated entrie
Is application of stamps on all cheques paid in clearing & preparation of date wise packets of paid cheques carried out and all p
Ensure that while claiming funds through PO against returned instrument (debit note), letter was signed by Manager CPU with a
Is process of inward clearing upload followed by cpu as per SOP clause 4.6.4 (d)?
Ensure that Inward clearing files are extracted from dongle software in the morning by the supervisor/AM CPU daily.
Are the I/W cheques scrutinized and signatures verified by respective user / supervisor.
Are cheques of inward clearing uploaded / scrutinized as per assigned limits?
Has user ensured that a/c# and amount of physical cheque matched with NIFT inward clearing file.
Ensure that branch-wise inward clearing file uploaded in system by using main branch ID?
Ensure that only standard cheques are uploaded in system while PO and sub-standard cheques are posted manually?
Ensure after successfully up-loading supervisor extract two reports for rejected and successeful transactions branch wise.
Ensure that rejected cheques due to problem in serial number are posted manually?
Payment and signature verification done throug UV scanner on paid cheques by designated CPU staff?
Are all honoured cheques kept in fire proof vault for record.
Ensure that when fake/forged Instrument presented to CPU, CPU/ Designated branches will return the photocopy of fake/forge
Ensure that upon discovery of of fraudlant transaction, all such cases were referred to FRM.
Has fraud event reported to ORM as per ORM Policy & related SOPs for recording in ORM Loss Data Depository.
-Has designated
in case officer ofinCPU
of discerpancy affixed receiving
the instrument, matter(with
takentime
up &with
date) stamp after
respective ensuring
branch's BSmtheor receipt
BM on of
theoutward collection or outw
same day?
-Has CPU officer held the instrument till remidial action or returned to branch in case can't be resolved and send e-mail to the c
Ensure that intercity clearing cheques of customers posted in deposit module using transaction type CQIO by CPU / Clearing H
Check that Specific Intercity clearing stamp of FBL affixed on cheques by branches.
Intercity realizations will be checked by CPU on daily basis online using NIFT online report while clearing
Is the printout of MIS of Intercity clearing cheques jointly signed by clearing officer and supervisor CPU / BSM & filed for record
Has the sealed bag handed over to NIFT's authorized rider for lodgement after obtaining receiving on triplicate copy of clearing
Has the charges recovered as per SOC. For islamic banking customers, charges will be recovered from islamic banking Ids and
Is realization date of cheque updated on the intercity MIS under remarks column.
Are all vouchers of daily entries passed, counter-checked by supervisor CPU.
Is CPU checking and reconciling GL accounts on daily basis?
Has designated CPU staff manuaaly debit the cheque retuen charges from customer a/c upon released of float in system?
Has cheque return charges recovered against reason of Funds Insufficient only?
Is returned cheque register report excel based prepared by respective CPU and crossed checked with returned instruments and
Has the copies of returned instruments & cheque returned memo along with original collection letter filed by designated staff of
Designated staff of respective CPU / Clearing Hub Branch, via e-mail shall inform respective branch or through upload on intran
Are returned cheques kept under dual custody of designated staff and supervisor of CPU?
Is proper acknolwedgement obtained after handing over of returned outward intercity clearing cheques to branch's rider/ branch
Has the date-wise
- required stamps aredeposit slip's
affixed on bundles
front andprepared and stitched
reverse side by designated
of all instruments staff of respective
by respective CPUwith
branch along andauthorized
kept at apprpriate pla
signatures
- in case of any discrepancy, has matter taken up with respective branch and held the intrument till remedial action taken up by
Has CPU lodged through intercity clearing (for chq drawn on cities where NIFT exists) or through LCY Collection (for cheques d
Has designated staff of CPU/Clearing Hub, entered the realzied outward collection transactions along with the date of realizatio
Has all outward collection related transactions carried out during the day must be thoroughly checked by respective supervisor
Has electronic journal report signed by supervisor and A.M of CPU?
Are cheque returned charges recovered in case of cheques returned due to Insufficient balance?
Have copies of the returned instruments and cheque returned memo along with collection letter be filed in Collection Cheque R
Have the outward returned collection cheques sent to the attention of BM/BSM of respective branch latest in the morning of nex
Have the Paid stamp along with date be affixed on original collection letter by designated staff of CPU and filed in Paid File of o
Has the date-wise deposit slip's bundles prepared and stitched by designated staff of respective CPU and kept at apprpriate pla
Have LCY collection cheque charges/courier charges on intercity /normal collection recovered as per SOC.
Are all outstanding cases reported to Manager CPU?
Any case noted in which CPU fails to credit the payee’s account due to any reason?
Ensure that CPC payed markup @ 3% above the SBP policy rate to Payee for the period of delay subject to determination and
Banks shall resolve the clearing related issues/complaints within seven working days from the date of receipt of complaint
II. The Clearing House shall convene a meeting of the Banks and resolve the disputes by mutual agreement within three workin
III. All such disputes shall not take more than fifteen working days from the date of receipt of complaint for their resolution. How
Ensure
V. that the
The copies ofdisputes that &cannot
instruments other be resolved
relevant amicably(where
documents between the Clearing
required) House and Banks within the specified time ma
are retained
Ensure that collection schedule/letter to be dispatched to drawee bank/correspondent bank will be prepared for instruments rec
Respective supervisor would verify the same. Care should be exercised while verifying the instruments to not to select any Nos
Covering letter should be signed by two signatories (Assistant Managers or Manager) will be prepared on bank’s letter head & s
Ensure that he register will be reviewed by the Supervisor /Assistant Manager who would also initial the same as a token of his
Subsequent
II. to processing
Consolidated of realized
liabilities against instrument
the cheques in system,
returned “Paid”
unpaid stamp
on the dayon
to entries set of copies of each and every realized ins
be reversed.
COC return charges as prevailing in the current schedule of charges as well as Nostro Bank charges should be recovered from
Monthly
Physical balancing
Access for the outstanding liabilities of cheques sent for collection should be carried out by jotting down the amount
Ensure that entrance of unauthorized person is restricted in CPU Vault area.
Ensure that designated clearing staff must cross check all transactions through system generated report of third party Module to
Ensure that one officer of the CPU designated as the security & safety officer.
Ensure that CCTV cameras cover CPU entry/exit doors, CPU vault area and provide 24 hours service for recording.
Ensure that staff identify technicians before allowing them access to CCTV for maintenance and servicing
Ensure that staff always lock their PCs while going away from their workstations.
Ensure that the CCTV equipment installed in the CPU is password protected.
Ensure that external USB (Universal Serial Bus) ports of desktop personal computers are restricted.
Ensure that keypad is installed on entrence and locked all the time to restrict the unauthrized persons?
Are the panic buttons installed in CPU (if any) operational and checked on periodic basis?
Ensure that alarm system and surveillance equipment periodically tested by the designates CPU staff (once in a week) and rec
Ensure necessary lights, sufficient for clear visibility in the secured areas where 24 hour video surveillance and recording is pro
Ensure that CPU must have emergency first aid box fully stocked with necessary materials and ready for use at designated pla
Ensure that a portable fire extinguishers are installed in the CPU.
Ensure that any staff member is not allowed in CPU premises after close of business or holiday without written permission gran
Ensure that staff follow the HR circular dated: 11-04-18. regarding Maintenance of Attendance.
User Security:
Obtain Organization
Role Definition Chart, JDs of all staff and their back ups. Obtain latest user profiles from both systems. Ask for the latest re
Are assigned roles to individuals matched with their JDs?
Are all IDs authorized by respective line Managers?
Ensure that users must not share his/her passwords in any circumstances.
Is every ID linked to a particular desk in CPU in order to identify responsible manager?
Is the assignment of user rights based on pre-defined roles?
Are conflicting roles assigned to any individual?
Are dormant activation rights / role assigned to authorized staff only?
AreAnnual
Bi- entry and authorization
Review both rights given to any staff?
of User Roles
Are defined IDs and assigned roles reviewed at least semi-annually, with a formal sign-off by responsible business owners?
Are Exceptions
Creation (e.g. privilege
/ Modification of Userchange,
Id disablement, etc) if any, reported by the business Head to Head IT Security & Risk mana
Are only rights/roles that formally requested
Transfer/Termination/Resignation of Employee are assigned to the IDs?
Does CPU manangement intimate to HR for any resignation or transfer?
Is ID Management Team asked to disable employee User IDs?
Does ID Management Team enable the employee ID on his day of join-back once the employee sends an e-mail request for en
Does employee notify the ID Management Team immediately if there is any change in his / her leave plan for necessary rectific
General
Ensure role / user ID rights not allocated without required approvals.
Have all employees given mandatory sign-off to Employee IT Security Guide?
Ensure that records of data of customer due diligence (e.g. CNIC, passport, driving license, account files and business correspo
Is administration powers observed by branch while using Imprest account?
Are relevant bills enclosed with expense vouchers?
Is visit book maintained by CPU?
Is "Save As You Earned Policy" followed by the CPU?
Ensure that up to date job description of all employees are in place, which are duly signed by the employees and approved by t
Ensure that proper leave record is maintained, and staff avail the leave according to the HR Policy.
Ensure that staff follow the HR circular dated: 16-04-19. regarding dress code.
Ensure that bransh staff follow no smoking policy.
Ensure leaves taken are in accordance with bank’s policy and PL must be availed for 15 days without break at least once durin
Ensure that in case of carryover of PL up to a maximum of 10 working days be allowed by end of March endorsed by the Funct
Ensure current year leave roster is on record and the same was sent to HR department, HO.
Ensure that all the leaves should be updated in HRMS which should be approved by line manager.
Ensure in case staff is released before the completion of notice period approval obtained from HRD.
Ensure handing over / taking over procedure followed at the time of staff transfers / resignations ?
Ensure staff wear bank I.D cards during officer hours.
Ensure that the CPU conducts training courses / workshops to give a clear understanding of the SOPs to bank staff.
Ensure that proper back-up arrangement of the staff at CPU.
Ensure business continuity plan properly maintained and tested.
Obtain the Business Continuity Plan of the CPU and assess whether it is properly and timely updated.
Is fire drill carried out periodically?
Does the
Ensure CPU
that staff familiariswith
CPU-clearing the BCPalldetails?
reconciling the unclaimed & outstanding pay orders on fortnightly basis through reports of uncla
Are theifproofs
Check duly signed
the proofing by concerned
of all suspense officeris&conducted
accounts Assistant Manager of of
by the 5th theevery
CPU? month for the preceding month.
Check if the entries booked in the Suspense Accounts are settled in the shortest possible time i.e. within a maximum of thirty da
Is the
iii. concernedbank
Beneficiaries staff &ensured
Countrythat the DepositinSettlement
is mentioned Remittanceaccount should be reconciled at day end.
application.
iv. APurpose
SystemofTrack
Remittance is mentioned
Audit Number in the
(reference payment
number) chain/message.
(STAN) which should be a unique number of all transactions
Ensure that screening of transactions with increased risk countries would be approved by AML team after satisfaction of transac
Upon receiving intimation from AML team for any outward remittances being rejected in OFAC and Increased risk countries, sam
CPU on a daily basis will obtain Nostro account from FIG for effecting the outward remittances
Designated
Manager -->staff of CPU, Remittances
USD15,001/- would
(or equivalent enterCCY)
in other complete details of ordering customer & beneficiary along with purpose of re
and above
Designated staff would extract and take print out of Outward Remittances register (soft form) from KM report next day .The sam
Ensure that transmitted copies of all SWIFT messages as per system generated reference numbers along with respective custo
All Outward Remittance transactions must be thoroughly checked and cross verified with source documents by designated offic
Respective Supervisor or Assistant Manager CPU, Remittances must check all executed Outward Remittances transactions wit
All queries and correspondence with Nastro/beneficiaries bank regarding remittances (other than OFAC/screening queries) mus
Designated
v. Amount isstaff of CPU,
checked withRemittances wouldnumber
SWIFT reference retain all original
(field 20 offorms in a day
the MT103 wise
with manner activity
NOSTRO under the supervision of concerned
report
In case of any discrepancy in SWIFT MT 103 message such as spelling mistake, wrong account number or name etc CPU rem
In case of any restraint such as dormant or whereabouts unknown/return mail etc., CPU will immediately refer the same to the B
All Inward remittances transactions posted in the system (debit respective settlement account & credit customer as per below m
Designated staff of CPU, Remittances must ensure to process inward remittances received on account of home remittances sh
Designated staff/Assistant Manager /Manager CPU, Remittances must ensure that all transactions carried out on account of Inw
All processed Inward remittances along with user ID report/daily transaction report duly signed by the respective user, Assistant
Designated staff of CPU, Remittances would also update currency wise details of all Inward FCY Remittances of below US$.10
Designated staff or respective Assistant Manager of CPU, Remittances must ensure that currency wise maximum 40 entries are
CPU, Remittances would also send inward remittances data for the month to all respective branches by 15th of following month
Monthly Foreign Exchange returns would be prepared and submitted to State Bank of Pakistan with a copy to Treasury Back O
Subsequent to posting of all forms in Foreign Exchange Return system (ITRS) during the month, designated staff of CPU, Rem
Designated staff of CPU, Remittances must ensure that data entered in ITRS system is saved on desktop of computer by using
Respective Supervisor and / or Assistant Manager of CPU, Remittances prior to submitting the original forms along with relevan
Designated
Inward staff or respective Supervisor must ensure that acknowledgement received from State Bank of Pakistan is appropri
Remittance
Select a sample of inward remittances received and check that particulars of INWARD REMITTANCE are entered in the IR reg
To ensure that all the SWIFT (MT 103/202) received from Swift depatment should be throughly scrutinized by the designated of
The message should be date & time stamped by SWIFT department
To ensure that complete information of ordering customer mentioned on SWIFT message.
Are the remittanes is in accordance with the customer profile, business available on bank’s record and according to the AML/CF
To ensure that name of beneficiary, order customer, ordering bank and ordinering country should be checked from OFAC list
Value Date of Message is checked for post dated message.
To ensure that amount Checking with SWIFT reference number (field 20 of the MT 103) with NOSTRO Activity report)
To ensure that beneficiary’s name & account number printed on the inward SWIFT MT - 103 checked with bank record.
To ensure
All that in case
such remittances of discrepacny
would in SWIFT
be sent back MT 103 Bank
to the remitting i.e wrong account noumber,
by authorizing name
respective of customers,
correspondent details
to debit of account
our orderingthro
cu
Ensure that messages
Inward remittances are complete
(foreign currency in
toall respects
foreign for credit
currency) ≤ $ to beneficiary
10,000/- on same day.
(or equivalent) will be processed by CPU, remittances wi
sendsend
CPU, Remittances would also the name of theofbeneficiary,
the name account
the beneficiary, number,
account amount,
number, ordering
amount, customer
ordering etc. for
customer etc.inward remittan
for inward rem
Branch Manager/ RM/Branch Service Manager/designated officer of respective Branch would confirm KYC/AML/due diligence f
To ensure that CPU designated staff would enter details of all inward swift MT-103 alongwith purpose of remittances in an MIS
To ensure that in case of any restraint i.e dormant or whereabout unknown CPU should refer the same to BM or OM of respecti
To ensure that daily transactions
Manager/Sr.Manager report should
> USD 25,001.00 be signed
(or equivalent) byabove
and the Supervisor or AM CPU.
To ensure
Ensure thatthat all the remittances
a designated processed
staff/Assistant during
Manager the day should
/Manager be reported must
CPU, Remittances to TBO (operating
ensure that allontransactions
SYMBOLS carried
only). out on
inward remittances received on the next working day to avoid any possible duplication. A confirmation of doing so must also beB
In case a credit is given in Nostro activity report but SWIFT MT-103 of the same is not received from remitting / correspondent
Designated staff or Assistant Manager CPU, Remittances would debit customer and credit WH_Tax on Remittances Account of
To ensure that staff should update currency wise details of all inward remittance of below of US$ 10,000 or equivalent in separa
To ensure that
Designated staff
staff should
of CPU enter schedule
remittances while wise detailsthe
submitting of Form 'R' forms
relevant and IRV in Schedule
to SBP J-O3 in
must ensure FEpurpose
that Return program
codes are(ITRS) on f
appropria
Ensure that in case where the concerned branch did not respond to CPU, Remittances within the agreed timings as advised by
Ensure
Purposethat particulars of
of Remittance beneficiaries
along and amounts
with complete details ofwill be reported
ordering by CPU,
customer remittances
and other relevantthrough TRESmust
information System to TMU for
be carefully co
entere
Designated staff of CPU, Remittances must ensure to process inward remittances received on account of home remittances sh
Designated staff or respective Assistant Manager of CPU, Remittances must ensure that currency wise maximum 40 entries are
Ensure that concerned Supervisor or Assistant Manager of CPU, Remittances must cross check all such data in Foreign Excha
Ensure that designated staff of CPU, Remittances would retain all original forms in a day wise manner under the supervision of
Ensure that swift transfer received favoring a customer will be credited to the customer account with in prescribed time period (i
To ensure that payment made to non-account holder after the proper identification. CNIC / NIC copy to be obtained.
To ensure that if the beneficiary does claim the amount within six months the same should be transfer into “Unclaimed Remittan
Ensure commercial payments are not credited into foreign currency account of individuals. Purpose of remittance should be obt
To ensure that if issuing bank has cancelled a transfer a notation “payment Stopped by the Drawer” and also made on outstand
Application form should be obtained dully signed by the customer in case of companies letter head duly signed by the authorize
Customer
to signature
ensure that IBAN should be verifeid
(International Bankbyaccount
the authorized
number)signatories
for all swift transfers where applicable specifically for Middle East cou
To ensure that CPU receipt the application and cross check ordering customer, beneficiary name, bank & country in from Office
To ensrue that screening of transactions with increased risk countries should be approved by AML team after satisfaction of tran
To ensure that all remittances cleared in OFAC should be reported to TFO within the agreed time.
Beneficiary’s name, account number, beneficiary banks name & address along with SWIFT code are clearly mentioned on the r
Purpose
Are of remittance
the remittanes is inisaccordance
mentioned with
on the
theapplication.
customer profile, business available on bank’s record and according to the AML/CF
KYC and AML check has been performed for beneficiary & ordering customer.
To ensure that all the transactions should be checked and authorized by the designated Supervisor or Assistant Manager of CP
To ensure that all the outward remittance processed during the day should be reported to TBO on attached format.
Ensure that details of SWIFT transfer entered in the System & in register (soft form) and take printout to have the same counte
To ensure that swift MT 103 will be transmitted by SWIFT department, HO
To ensure that all SWIFT message as per system generated reference number alongwith customer application should be filed a
To ensure that all the transctions must be chekced and cross verified with souce documents by respective supervisor and AM C
Designated
In case any staff or Assistant
transaction Manager
is found ofin
missing CPU, Remittances
Nostro upon respective
Activity Report, receiving required original
Supervisor forms & Manager
or Assistant other relevant
CPU,documents
Remittance
To ensureForm
Relevant that all
‘M’the transactions
(if required) above
is duly US$
filled and15,000/- (or the
signed by eqvapplicant.
in other CCY) should of
And coding bepurpose
checkedof/ remittance
approved byonAssistant
Form ‘M’Manag
is in a
To ensure that CPU would enter details of Form 'M' in Schedule E4-P4/E-3, P-3, in FE Return program (ITRS) on weekly basis.
Ensure that concerned Assistant Manager or Manager of CPU, Remittances must cross check the same and ensure no operati
Ensure that designated staff of CPU, Remittances retain all original forms in a day wise manner under the supervision of conce
All the outward remittnces Swift MT-202 related to FCU, HO or respective branch (FCY cash shipmnet to other bank only) proce
Ensure that outward remittance charges are recovered from the customer as per schedule of charges..
Check at the time of cancellation branch has notified the fact to the drawee bank / branch through telex / email on the same day
To ensure if outward remittance is canceled by the drawee bank / branch should be reported in SBP.
To ensure that cancelled outward remittance should be reported to SBP as Inward remittance through Form 'R'.
Check if advance remittance by Umrah Organizer's on behalf of expense to Saudi Arabia sould not exceed 30% of the Hajj pac
*Check all remittance
Consolidated are being
information processed
as per attachedfrom Umrah Organizer's PKR account maintained with suffix Umrah. (F
annexure.
* Undertaking from Umrah Organizer for repatriation of funds ( only in case of advance payement).
Monthly reporting for
* A self declaration all remittances
from by Umrah
the patient, his/her nextOrganizers to be done
of kin declaring amount to SBP.
essentially required for treatment abroad.
* Cash of FCY
Remittance uptoof US$
USD70,000/-
5,000/- also allowed
or eqv to each
allowed patientas
per student and
perone attendant
calender yearwhich should be
on accouunt of endorsed
applicationonprocessing,
his/her/their passp
tuition fe
* Letter of admission from foreign educational institution.
* Letter / cost sheet from foreign educational institution showing break-up of expenses.
Remittance should be remitted directly to the account of the educational institutions via SWIFT
To ensure in case of expenses in excess of the above limits the bank will forward the case to the direcotor, foreign exchange op
To ensrue that all the related documents submitted by the applicant should be retain for record purpose.
In case
b) of dividend
that the shares inincome
question remitted to non-resident
were not share
acquired by the holder. Check
non-residents on wether authorization
the basis letter wasthat
of their undertaking obtained in not
they will favour of fa
claim re
that the application
c) Certified true copy of forthe
remittance of dividend is net
Shareholders’/Directors’ of Pakistan
resolution tax liability
declaring and must also ensure that the auditor’s certificate
the dividend.
d) In case tax
Withholding Taxexemption is claimed by them/any of the shareholders, a certificate to this effect is invariably produced from the c
Ensure whether CPU is receiving CNIC/NTN number of service provider/vendor as when the tax is deducted from branches.
Are the CPU - Remittance monitors the GL account on Pan Pakistan basis?
To ensure that withholding tax deducted on Profit on Deposit, Cash Withdrawal, non-cash transactions and Remittances (inden
Ensure CPU doesnot has the right to unblock Withholding Tax GL heads
Ensure that CPU is debiting WHT GL account & crediting deposit settlement account branch wise after receiving confimation of
Ensure the total amount credited in deposit settlement account is balanced with the total amount appearing in WHT GL accoun
Ensure that IOM is prepared by CPU remittance & duly signed by Assst. Manager & Manager CPU to authorize the branch for i
To ensure that profits of FCY savings will be converted into PKR for submission to SBP and CPU shall intimate the total amoun
To ensure that Request for issuance of pay order in favour of Government Treasury in respect of withholding tax amount being
Are the payment challans are accurately prepared with all the required details?
To ensure that payment order of withholding tax along with the payment challans submitted to SBP or NBP.
To ensure that computerized tax challans has been received from SBP or NBP after two days duly acknowledge along with com
To ensure that Pay order copy alongwith the IOM, and the challan and FBR WHT receipt statement are filed date wise for recor
Obtain the department’s formal organization chart showing the reporting lines and responsibility of each staff.
Ensureup
Follow thatofjob
thedescriptions
suspense/past for each staff are available. Review the job description and for a few, discuss these with concerned
due item.
Is there proper rotation of duties within the department. Discuss with staff the length of period each has being doing the current
Do staff receive formal/informal training related to their duties and progress within the department. Obtain the training records a
Ensure that policies and procedure manual are available, updated on a regular basis and all staff member has read and update
Check 15 days mandatory leaves were availed by staff in accordance to HR policy.
*Obtain the training
Valid proforma records
invoice and review
/ Indent the appropriateness
/ Purchase of theof
Order. (Confirmation courses
P.O. toattended
be in place through any mode from beneficiary acce
* If LC establishment request involves any clause which will change the nature of Bank’s risk e.g. replacing the requirement of B
* Upon receipt of above information from FIG and approval from CAD (if required), designated officer would then prepare the LC
• Charges details
• Irrevocable - Usance
Above US$ 15M should be signed by “Head T& BS & Head of Ops” and notified to “CRO, P& CEO, Head CIBG & Head CBG(re
Check wether import of cash USD are made under instructions issued by SBP under EPD Circular letter No. 2, Jan09, 2018
Ensure thatspare
(vii) Total appropriate amount
parts LC of margins
exposure againstatthe
per customer L/C
any arenot
time held as requiredexceeded
in the RARs
or 15m
SBP and all related charges / com
Approval from Relevant Committee should be obtained prior to opening of LC.
In case of perishable goods, ensure that 100% cash margin is held as per the requirement of SBP.
To ensure that appropriate margin deposit against letter of credit as laid down in the Risk Appraisal (RA) or as required by the S
Ensure
The that a fulland
destination setcommodity
of ‘Clean on Board’
are Bill
as per of lading/Airway Bill is called to be made out or endorsed to the order of Faysal Ba
application
The LC application is signed by the authorized official of the company, signature of which has been verified by the authorized p
Indent/ Proforma invoice/ Contract is submitted duly signed by the issuer and opener. Ensure that commodity, price, beneficiary
Ensure that the Officer Incharge scrutinizes the documents submitted by the customer and gets all regularities noted have been
Select few LCs and ensure the correctness of the accounting entries passed in respect of such LCs and reference of UCP 600
Check from the LC file that any telex inquiry received was responded within a maximum period of three working days.
Ensure that the LC register is being maintained by the department and all particulars of each LC application including amendme
Check reciprocity register is being updated on daily basis and containing volume of LCs customer wise.
Select few reimbursement
• LC timely transmitted. authorities and ensure that the authority to honour claims was sent weekly for sight LCs and monthly
'
•ToMTensure that before
swift message asestablishment
per LC amendmentof LC for import
to be of wheat on behalf of the clients SBP approval prior to LC establish should
send.
* After having approval, designated officer would prepare the LC amendment capture the transaction in System (if required). Th
For Reversal of Expired outstanding LCs:
•* Ensure after
LC liability onebemonth
may fromon
reversed date of expiry
request of LC, subsequent
of applicant to the month
with the consent end activity
of beneficiary of LCofthrough
previous month bank
advising designated staff wi
designated st
• Designated staff reinstate the LC in the system and recover the charges.
• Check upon receiving of swift message from advising bank inform to the beneficiary / customer and reversing the LC liability a
• Check customer acceptance should be obtain and file the original, signed confirmation slip in respective file.
• To check in case of close-out of contract before settlement of import bill with other bank against FBL’s NOC, a confirmation of
• Check that funds are available in customer.
• Check that designated staff receive a confirmation letter or a copy of relayed message and check that funds are credited in th
Ensure that customer’s acceptance on drafts and trust receipt is duly obtained
•Ensure that
If any of thetelex messages contravenes
discrepancies are sent on alocal
monthly basis to
exchange the reimbursing
regulations banks
in place, authorizingagainst
the remittance to honor
theclaims of the is
documents negotiating
not mad
On
• Allreceipt of documents
required customers’ acceptance
are receivedensure that a track sheet is prepared by the officer incharge and is approved by the depar
• B/L was issued by a Shipping Company or its Agent
•Select few that
To check Commercial Invoices
transaction and &ensure
captured SWIFTthat details as
messages willtobe
beneficiary,
supervised buyer’s name, description
& authorized by the deskofingoods,
chargeInvoice
/ team amount,
leader / M
• To check thah upon creation of PAD Loan, designated staff keeps original documents in fire proof cabinets and handed over to
To
• Tocheck
checkif in
documents retired through
case if sufficient FATR
funds are or FIM or in
not available through any otheraccount
the customer's credit facility,
at the ensure
time of that upon funds
settlement or thedisbursement co
lines for import
• To check that in case of non-acceptance of discrepant documents for 60-days, designated are the staff advise the status by
Ensure that I Form is prepared and customer’s signature showing his capacity is obtained for subsequent submission to the SB
Check the accuracy of track sheet prepared to effect the entries and ensure that charges & commission is calculated as bank’s
Check transactions made during the period under review and ensure that the payments effected for import of Spare Parts & Ma
Check that an undertaking from the importer on the prescribed form (Appendix V31) that in case goods are not received for any
To check that Credit Worthiness Report of the foreign suppler before allowing advance payment should be obtained.
To check that bank may also ask the importer to obtain performance guarantee from the supplier’s bank.
To ensure that in case importer is unable to import goods against advance payment and underlying contract is cancelled, the ba
To ensure that Bank would deposit the penalty amount with the SBP and a monthly consolidated statement of all such cases wi
Check designated staff maintain MIS listing outstanding Advance Payments and closely monitor SBP requirement for receipt of
Check upon receipt of documents are scrutinize carefully in the light of SBP F.E manual rules and regulation and ensure regula
Check transaction capture in system and prepare the SWIFT message on applicable format to effect the payment.
Check that transactions involve any payment or commitment will be authorized in Swift & Symbol by Team Leader. All Financial
Check wether bank not allowed advance payment on import against irrevocable LC upto 100% in vaoilation of as issued by SB
Chech that import of life-saving and essential medicines & devices against advance payment or on open account basis shall be
Check that advance payment upto USD 10,000 per invoice on behalf of exporters cum importers for import of raw material and
To check that upon receipt of request along with the relevant documents, verify the customer’s signatures & also ensure that th
To check upon receipt of documents should be scrutinize carefully in the light of SBP F.E manual rules and regulation and ensu
To check staff capture the transaction in system and prepare the SWIFT message on applicable format to effect the payment. T
Check wether bank did not allow payment on open account basis after 20 Jul, 2018 except manufacturing and industrial user o
Check that imports on open account basis and advance payment are allowed up to USD 50,000/- or equivalent per invoice for i
Ensure that import of life-saving and essential medicines & devices against advance payment or on open account basis shall b
basis within the above stipulated time, appropriate regulatory/legal action may be initiated
against
To checkthe
at importer
the request of industrial establishments as importers, Authorized Dealers may issue
foreign
To checkcurrency demand
that importer draftafor
submit import
copy of spare
of the parts/machinery,
contract/purchase without opening
order/proforma of letter ofetc.
invoice/indent credit,
to provided such imports are
the bank for registration of contract.
Review few cases of registration and ensure that the goods mentioned in Proforma Invoice/ Contracts/ Indent/ Purchase orders
Ensure that the approval as per SOP has been obtained before registration.
To check
from that documents
the overseas suppliercovering
instead of imports are received
the banker by the bank
of the supplier, which had
remittance shouldregistered
be made thein contract/purchase order/indent/p
accordance with the instructions contained in para 17 of this chapter
To check that in case of imports from ACU member countries, remittances will be effected through ACU
Clearing Arrangements
AreThe
d) thePakistani
bank will importer
incorporate
maythe figures
directly of the shipping
receive contractsdocuments
registered by them/remittances
from an Afghani exportermade thereagainst
and in the
get the goods statements
cleared a
after att
e) T&BS upon receipt of copies of shipping documents for each shipment from the importer, shall make payment after verifying
Check the register is being maintained and all particulars of contract are recorded therein.
Ensure that each case has been assigned a separate sequential reference number.
Check the charges /commission as per existing bank’s schedule of charges has been recovered at the time of registration.
Ensure that the certificate of registration of particulars was issued on the format prescribed on (Appendix V-27) by the SBP and
Ensure that scrutinize the documents against the contract details and identify discrepancies under latest version of URC if any.
To check
Also thatthat
ensure document arrival
signatures notice toonbecustomer’s
appearing send specifying the discrepancies
letter, Counter guaranteeif&any andReceipt
Trust seekinghaveacceptance from importer
been verified from the thro
list
• Where the liabilities exceeds the credit limit of the customer or any clause of the text of guarantee exposes the bank financiall
In case of sight LC the margin equivalent to bill amount is held against the guarantee. (105% or advised by risk or Trade Head i
•Ensure
Name that before vessel
of carrying issuing a shipping guarantee it has been cross checked from the shipping news bulletin that the ship carryin
Select few transactions and trace them in the guarantee register to ensure that the register is updated on a timely basis with all
Check the accuracy of the accounting entries made to effect the issuance of the guarantee and ensure that the charges & comm
•Ensure that track
Bill of Lading andsheet
trackprepared to effectbythe
sheet is signed theaccounting entries isand
Officer concerned authorized
approvedbyby
the Departmental
the Supervisor
Departmental supervisorand
andthe Departm
Departme
Check the accuracy of the accounting entries made to effect the release of the Guarantee
Upon receipt of original shipping documents against which a shipping guarantee had already been issued or AWB endorsed ea
On receipt of original shipping documents will be retired within 5-working days than delivered/ dispatched to customer/ concern
Are the designated officer endorse and signed by authorized staff the Original Bill of Lading retained by the Bank and dispatch
After the 30-days, upon confirmation by courier company for delivery of consignment/letter to shipping company or on receipt o
Are the designated officer will mark “Cancelled” on shipping guarantee and file the same in respective folder?.
Are the respective team leader reviews the outstanding shipping guarantees on fortnightly basis in order to initiate action for ca
Above US$ 15M should be signed by “Head T& BS & Head of Ops” and notified to “CRO, P& CEO, Head CIBG & Head CBG(re
Select
• Formatfew
ofguarantees and
guarantee is ensure
signed by that all Bank Guarantees issued clearly and unequivocally state the expiry date of the bank’s
the customer.
Where the terms of the Guarantee involves payment to a non-resident either in a foreign currency or local currency, ensure tha
Ensure that any alterations made in the terms of the guarantees subsequent to its issuance are initialed by both the designated
Ensure that a Guarantee Register is maintained properly outlining all the relevant details regarding the Guarantees issued and
Check the accuracy of the accounting entries made to effect the issuance, enhancement if any, commission and release of the
Ensure that all Guarantees issued are held in dual custody of the designated officers/employees and locked overnight in a fire-
Check that the liability is reversed on its expiry leaving of Rs 1.00 outstanding in case the guarantee issued in favor of beneficia
Are the designated officer review the Bank Guarantee Maturity report generated by the system on weekly basis as recommend
Are the reminders intimating the expiry & return of original instrument will be sent to the customers whose guarantees are matu
To ensure that upon receipt of original instrument directly from beneficiary or through the applicant, designated staff will reverse
In cases where original instrument is not returned after expiry date, three reminders will be served to the customer & beneficiary
Are the designated staffs will file the cancelled/satisfied guarantee in relevant folder?
Check that the signature appearing on customer instruction letter is verified and duly time & date stampedCheck that the signat
To ensure that documents received must be complete as per LC and customer instruction letter duly signed by exporter.
Check upon receipt of documents should be scrutinize by two officers carefully in the light of terms and conditions of the Letter
Check all discrepancies are noted on scrutiny sheet and customer’s consent in writing or over phone or e-mail of discrepancies
Check that approvals of relevant Credit Committee have been obtained in case of negotiation of documents on offering sheet a
Ensure that allocation for the bank risk is obtained from FIG and the approval is in place of CCC/ FIG for the banks having rank
Sequential number from export bills register is allocated and all relevant particulars are entered therein which is regularly updat
In case of negotiation is allowed for discrepant documents, the customer’s indemnity is obtained.
Check the calculation with the exchange rate obtained from treasury duly accepted by the customer and ensure that the accoun
Ensure that the tracking sheets are approved by the supervisor & department head.
Ensure that relevant documents have been sent to opening bank by courier service within a period of two working days and cop
Check after dispatch of Documents to Issuing Bank, Issuing Bank will advise the maturity date within 5 working days of receipt
Ensure that the payments are timely received and in case of delay compensation should be recovered.
Select few paid bills and ensure that full payment of all bills have been received and in case less payment is received the short
Check that paid files have been duly marked paid and transfer to settled section.
Ensure that the drafts drawn on usance basis having adhesive stamps of the appropriate value (present rate is Rs 2/- per thous
Check that the Credit Report of buyer is on record and ensure that the same confirms sound financial standing and good reputa
Check that upon receipt of collection bills payment, the exchange rate is obtained from treasury and accepted by the exporter.
Check the calculation made for payment and ensure that the withholding tax, EDS, charges & commission are recovered from t
Ensure that shipping documents should be presented within 21 days form ‘E’ certification and 14 days from the shipment date.
Ensure that certification of Form ‘E’ should be prior to shipment of goods.
•Check
Checkthe tracking
after list and ensure
the realization thatinputting
the same the sameinisinapproved
ITRS andby the supervisor
submitting to SBPand department
along head.documents.
with following
Check thatChallan
• Delivery the signature appearing on customer instruction letter is verified and duly time & date stamped.
Check upon receipt of documents scrutinize jointly carefully in the light of terms and conditions of the Letter of credit & applicab
Check that staff inform the discrepancies to the exporter & advising to arrange authority to send the documents on collection ba
To check dispatch of original export documents are made by exporters directly in the light of FE Circular No. 11 of Dec 11, 2017
Ensure to forward the requests of sugar mills through respective Departmental/ Business/Group Heads to the Director, Foreign
Ensure
• To checkthatupon
the mechanism to process
receipt of proceeds thethe
from cases of eligible
issuing bank insugar mills for
the shape cash freight
of demand draftsupport against
/ pay order the export
/ RTGS of sugar
Authorized is fola
Officer
To check that statement showing the total figures of all export bills outstanding (including partly
unrealized)
which have relating
becometooverdue
all theirduring
branches, at the under
the month end ofreport.
each month in the prescribed
This statement form (Appendix
will be prepared and willV-19).
be submitted in duplicate
should
To checkbetaht
listed in a sequence
statement with exporter-wise
in Appendix V-21 showingtotals and the
particulars of grand
those total
cases given
whichat were
the end. However,
reported by the statement for the mo
Authorized Dealers
Operations Departmentas overdue
(Centralin&the previous
Statistics statements
Section), but the items
SBP-Banking are deleted
Services from their
Corporation, Headbooks during the month under re
Office,
Karachi by the 15th of the month.
Customer request should be date and time stamp.
On receipt of documents the same must be processed and sent out to the collecting bank within a period of two working days.
To ensure that shipping documents must be presented within 21 days of form ‘E’ certification and within 14 days from the shipm
Copy of firm contract should be obtained.
To ensure that if fate of collection is not known from the collecting bank within 7 days, a reminder / follow-up should be sent to c
To ensure that bill of exchange in case of Usance bill adhesive stamps should be affixed.
To ensure that E’ form certified by the custom authorities / bank before the shipment date
To ensure that duplicate copy of E form should be certified / endorsed from the customs authorities or copy of Goods Declaratio
To ensure that documents should be scrutinized by two persons.
To ensure that duplicate copy of Form ‘E’ retain and Triplicate copy of the same surrendered to SBP.
To ensure that in case of short shipment a short shipment notice to be obtained duly certified by customer authority and reporte
To ensure that all the shipping documents should be obtained.
To ensure that exports proceeds should timely be credited in customer account.
Check
vii) Thethe
ADcalculation made
shall monitor the for payment and
shipment(s) made ensure
by thethat the withholding
exporter and ensure tax, EDS, charges
realization & commission
of export are recovered
proceeds thereagainst fromtht
within
viii) In case of unsatisfactory behavior of the exporter or export overdues exceeding the prescribed limit, as mentioned at (ii) ab
Customer request should be date and time stamp.
To ensure that on receipt of Advance payment OFAC and CPL must be checked and evidence to this effect will be provided by
Are the purpose of remittance must be obtained from the exporter?
Are the customer appearing on the advance payment voucher verified?.
Are the authorized officer report transaction in TRS. BS/RM/BRANCH would then intimate the customer for negotiation of excha
Are the transaction verified & authorized by Authorized Officer/ Authorized Officer in the system?
Are the system generated credit advice (automatically) forwarded to respective BS along with proceeds realization certificate fo
To ensure that E’ form certified by the custom authorities / bank before the shipment date.
To ensure that duplicate copy of Form ‘E’ retain and Triplicate copy of the same surrendered to SBP.
To ensure that original advance payment voucher surrender to SBP and duplicate copy of the same was retain in bank record.
To ensure that advance payment voucher should be signed by the Bank officer / Customer.
To ensure that Form ‘E’ certified for export in accordance with the declaration made on the advance payment voucher.
To ensure that Proceeds Realization Certificate (PRC) issued on Appendix V-21) signed by authorized signatories.
To ensure that in case of more than one Form ‘E’ value of Form ‘E’ and remaining / unlisted balance shall be endorsed on the d
To ensure that exports proceeds should timely be credited in customer account after the deduction of applicable charges.
Check the calculation made for payment and ensure that the withholding tax, EDS, charges & commission are recovered from t
To ensure that follow-up should be made for obtaining shipping documents after signing of Form ‘E’.
To ensure that if customer do not submitted the shipping documents despite the lapse of 14 days after the shipment or 21 days
Is the authorized officer enter the particulars in the Advance Payment register and E-form certification register?
To ensure that advance payment can be utilized within a year after its receipt, thereafter, SBP revalidation should be required a
To ensure that in case of loss of original PRC, the State Bank on application would authorise issuance of duplicate thereof on th
In case of export proceeds are over due since long a proper follow up with the exporter should be made.
To ensure that duplicate and triplicate copies of E – Forms should be endorsed at the back and subsequently latter should be s
Are the manager exports or officer counter check the returns & sign the same along with round stamp of bank. It must be ensur
•ToToensure
check that all theisadvance
the same report topayments received
treasury TRES during the
to update theirmonth must be reported to SBP via schedule A – 2 / 0 – 2 along w
record.
• Check rate advised by the BS / RM / branch duly negotiated with Treasury, would be used to compute the difference amount b
• Check on receipt of customer’s request approved by business group to transfer the EFE to another bank, the Authorized staff
• On receipt of shipping documents, authorized staff takes print-out of EFEs from WeBOC and keep in export file for record and
• To check if a shipment is entirely shut-out and is not being reshipped by another vessel, approved EFE will be detached by the
To ensure that stock of ‘E’ form should be maintained centrally at HO, upon request of branches the stock will forward after the
To ensure that stock received from GSD entered in ‘E’ form stock register and shall be kept in fire proof cabinet overnight.
To ensure that monthly balancing of ‘E’ forms should be done.
To ensure that form should be issued on the basis of written request signed by the an authorized signatories duly verified by the
To ensure that prior approval of respective group’s team leader is required to issuance “E’ form to a new customer for the first ti
To ensure
Printing andthat if customer
Distribution of do not submitted
Export Forms. the shipping documents despite the lapse of 14 days after the shipment or 21 days
To check that T&BS required to maintain
Maintenance of Party-wise Record of Certified a complete
Exportrecord
Formsof all export forms printed by them and of their distribution to their b
T&BS should maintain another register for recording therein the particulars of export forms issued and certified by them in respe
To ensure that fortnightly / monthly balancing of margin held against LCs/LGs should be conducted by the designated staff.
Are the T&BS maintain the sufficient stock of security stationery (foreign bills / adhesive stamps)?
Are the designated officer record the details number of stamps in the register / log?
Are the designated staff debit the customer account after issuance of stamps?
Are the designated staff conduct the fortnightly / monthly balance of security stationery / stamps on hand?
Obtain
list & to
Indemnity frequency of that
this effect reports prepared
in case by the department
any objection review
raised by SBP thethe accuracy
amount of report
will be and by
paid back submitted
FBL. to relevant authoritie
An IOM prepare by the designated staff and forward the same to the team leader or manager export for signing.
To ensure that upon receipt of claim in our account maintained at SBP, staff will credit the amount of the R&D support to the res
To ensure that applications containing discrepancies returned by SBP within two working days, the same should be re-submiss
To ensure that in case of export against advance payment, claim for R&D support may be lodged once related goods have bee
Select few bills and ensure that the withholding tax on export proceeds recovered from the customers have been deposited to G
To ensure withholding tax and Export Development Surcharge (EDS) deposited in government treasury within the 72 hours from
To ensure that designated staff prepare an IOM address to the BM of main branch signed by the Manager Export of issuance o
To ensure that prepare monthly WHT statement on prescribed format issued by income tax department and submit the same be
Review security arrangements in the department and ensure that all relevant stationery / documents are kept in fire proof cabin
Also ensure that shipping (export/import) documents are kept under dual custody of authorized officers in fire proof cabinet and
Forms I & E are available in pre-numbered and kept under proper lock & key system.
Ensure that department’s stationery and records are properly safe guarded and are not accessible by any unauthorized person
The system access passwords are well protected and no one shares his password with others.
Obtain list of statements required to be submitted to SBP / Govt. / Management and ensure the same are submitted in time.
•ToRecords
ensure pertain
that system generated
to any Pre Consolidated
law enforcement agencies Generated Entries
for investigation or Report extracted from
legal proceedings thethose
retain system and cross
records with all
for longer the s
period
To ensure that movement of safe / cabinet keys should be recorded in key register under approval of functional head.
Check under invoicing in import cases in order to avoid receiving excess value.
Check under invoicing in export in order to avoid transfer excess value.
Check over invoicing in import in order to avoid transfer excess value.
Check over invoicing in export in order to avoid recieve excess value.
Check short shipment in import in order to avoid transfer excess value.
Check short shipment in export in order to avoid receive excess value.
Check over shipment in import to avoid receive excess value.
Check over shipment in export to avoid tranasfer excess value.
Check obfuscation of goods in documents.
Check multiple invoicing in a case.
Check phantom shipment i.e. shipping nothing at all with false invoices.
Check The description of goods on the Goods Declaration Form/Transport documents significantly varies from the description d
Check Significant variation is found between the description of the goods on the bill of lading and the invoice.
Check There are indications that the descriptions of the goods is disguised.
Check The tenor of the transaction does not commensurate with the nature of the underlying goods – for example perishable go
Check Documents such as an L/C received through unverified channels such as unauthenticated SWIFT message.
Check The type of goods being shipped appears inconsistent with the exporter’s or importer’s regular business activities.
Check The size of the shipment does not commensurate with the size of the exporter’s or importer’s regular business activities.
Check The packaging of goods inconsistent with the commodity or shipping method
Check The goods are transshipped through one or more countries/jurisdictions for no apparent economic or logistical reason.
Check The country from which goods are being shipped is designated as “high risk” for money laundering activities.
Check The transaction involves the receipt of payments from third parties that have no apparent connection with the transaction
Check The method of payment apparently does not commensurate with the risk characteristics of the transaction.
Check The transactions involving consecutive trade discount offered by exporters to the same importer.
Check The transaction involves repeatedly amended or frequently extended letters of credit.
Check An Importer remits advance payment(s) does not receive shipment(s) there against.
Check The transaction appears to involve use of front or shell companies for the purpose of hiding the true parties involved.
Check The transaction involves import/export of dual use goods.
Check The item ordered is incompatible with the technical level of the country to which it is being shipped, such as semiconduc
Check Where important details are missing on commercial invoice(s) or mentioned vaguely.
Check Where some of the shipping documents are provided in photocopies instead of original against the regularity instructions
Check Where goods declaration in commercial invoice(s) are not proper, incomplete or otherwise not mentioned at all to concea
Check Receipt of proceeds from non-cooperative countries as per FATF list against the shipment made to a third country.
Check Where export proceeds are received from unrelated/third party with differing nature of business from that of exporter.
To check periodic review of the trade portfolios shall be done by ADs to keep the risk profile of their customers updated. Howev
To check that transaction involves person or entity in foreign country of proliferation concern.
To check that the customer or counter-party or its address is similar to one of the parties found on publicly available lists of “den
Are the customer activity does not match business profile, or end-user information does not match end-user’s business profile
Order for goods is placed by firms or persons from foreign countries other than the country of the stated end-user
Transaction involves possible
demonstrates linksshell companies
between (e.g. companies
representatives do not have
of companies a high level of capitalization or displays other shell
exchanging
goods finance
Trade i.e. same owners orinvolves
transaction managementshipment route (if available) through country
with weak
located export control
in countries laws or
with weak weakcontrol
export enforcement
laws orofweak
export control laws
enforcement of export
controlpatterns
trade laws (e.g. does the country involved normally export/import good
involved?
controls and/or domiciled in countries with weak export control laws or weak
enforcement
Based on theofdocumentation
export controlobtained
laws in the transaction, the declared value of the
shipment was obviously
Inconsistencies under-valued
in information containedvis-à-vis
in tradethe shipping cost
documents and financial flows,
such as of
Pattern names, companies,
wire transfer addresses,
activity that shows final destination
unusual etc.or has no apparent
patterns
purpose
New customer requests letter of credit transaction awaiting approval of new account
To check thatofuse
Involvement of cash ororprecious
a customer metalsdeclared
counter-party, (e.g. gold) in transactions
to be a commercial forbusiness,
industrial items
whose transactions suggest they are acting as a money-remittance business
Involvementofofgoods
Description a university in aorcountry
on trade of documentation
financial proliferation concern
is nonspecific,
innocuous or misleading
Evidence that documents or other representations (e.g. relating to shipping,
customs, or payment) are fake or fraudulent
Use of personal account to purchase industrial items
mentioned in CAAML Procedure and AML & CFT regulations
y obtained?
CFT intial Regulations.
ased risk/PEP, once in 3 years for neutral and once in 5 years for predefined neutral risk
large amount "sources of funds" and documentary evidence of the same are documented / obtained from customer.
urpose of review and monitoring?
usual and suspicious transactions?
unts if not compatible with KYC profile of the customers.
time of opening of accounts & acknowledgement to this effect is held in branch record.(BPD Circular No 23 of 2003)
plete details of transactions in KYC.
Urdu language at the time of opening of the accounts. Refer (BPRD Circular No. 07 of 2011)
ing necessary due diligence including NADRA verification through verisys or bio-metric technology.
h bio metric device linked with NADRA and all existing customers verified through biometric.
(CBS) should auto block the accounts for all debit transactions.
f the customers is not done through bio metric.
BO) who acts on behalf of the customer, where bio-metric is not working and proper reason/ proof is recorded/ retained by the branch. Fur
g with the copy of CRF with general terms and conditions (Urdu terms & conditions available separately). The receipt acknowledgement of
onship needed to be closed in case of negative verification/negative NADARA verification. Monthly MIS must be signed by BM & will keep i
accounts through Siebel.
ccount maintenance unit AMU.
/- & 1000/- respectively
AML/CFT Regulations issued vide BPRD Circular No. AML-01/2014-2001 dated February 06, 2014
ervices, branch should have related stationary, forms/documents etc. in Braille script. (CPD Circular No. 6 of 2014)
d in the system?
g Report-PDN/Neutral/IR & PEP is done by the branch before the end of the following month to reclassify them at least as “Neutral” or othe
nthly turnover of Rs.2M and above?
Monthly basis?
views of accounts is done accordingly.
ews of their own branch for conducting timely reviews of the accounts
s.25M, separate account for business transactions is opened?
uly) and evidence of the same is kept in branch record
e subjected to Event Driven Review (EDR)
employed individual / professionals in order to verify physical existence of business
uspicious transactions in customer accounts and write their remarks with signatures on such report by the RM/BM on the report as an evide
and system.
ed in para 7 a of M-1 prudential regulation.
r & requires his/her physical presence at any FBL Branch Nationwide.
vailable in bank record.
ranch RM/BM may visit customer place and identify the customer through original CNIC and bio metric verification accordingly. For custome
, e.g. Passport, Alien Registration Card, etc.
fingerprints, etc.
Driven Review is conducted through updating in KYC application system and copy of the key value attached with the activation form as evide
een under the name, initial, date etc.
nt till activation is printed & handed over against proper acknowledgement /couriered to customers ( in case of company accounts)
er head signed by authorized Person.
bank
two process
officers and
(one signsbe
should oneither
the dormant activation request
from BSM/SBSO) prior towith
and attached activation.
activation request.
rvice Manager through ‘dormant accounts report’. Evidence of having done so should be maintained for record purpose.
mer without charges as required by BPRD Circular No. 2 dated January 05, 2010.
e recovered from dormant accounts. Further generation of Statement of Account should also be stopped.
uld send the scan copies of all relevant documents obtained at the time of activation to parent branch for their record.
hout changing the dormant status ?
ssuance and copy must be kept securely in a box file account number wise as a permanent record in the custody of Branch Service Manage
ters to their
Certificate orrespective customers
No-Marriage (asfor
Certificate pera Annexure) asking
customer, copy of them
whichtowill
submit the Life Certificate
be maintained or No-Marriage
in customer’s Certificate
account opening file. on timely basis. B
ner fails
rked to drawand
dormant pension for consecutive
customer will be sent 6a months to enable
letter stating account
the same andofficer to stop
no debit pensionwould
transaction payment and branch
be allowed till theintimate the personally
pensioner same to theapp
matically block the transaction in Pensioner’s account. Funds will only be released upon receipt of succession certificate / instruction receiv
ccount will be opened for wife / successor of the deceased after receiving required instructions from Accounts Office. All other formalities of
o pensioner account(s) for consecutive six months or over to respective AGPR regional offices through pay order along with covering letter
neficiary name would be mentioned on instrument as “AGPR Sub Office i.e. (name of office from pension funds were received). The freque
nts at BC & CPD helpdesk of SBP or at phone number (021) 111-727-273 (021) 32453555
certificate in case of self pensioner and non marriage certificate of unmarried daughter/sister/widower/widow, biannually in April and Octobe
ch month which will be reflect the date when pension was credited by the branch/CPU in the pensioner’s account held at own and other bra
and copy of signed report and record of dispatch should be maintained as evidence?
olution of any issues and send monthly statement to AGPR office for reconciliation of Pension disbursements?
Branch Service Manager or staff designated by BM will conduct the annual review in January for follow-ups & update of expired CNIC/NICO
d on monthly basis from AMU.
ated instructions from the concerned FPI/account holder ? (BPRD Circular Letter No. 07 of 2014)
in SYMBOL system “Account with Negative Balances ” for all accounts to identify those accounts which are having zero balances & inopera
which are falling in above criteria highlighting the need of deposit in the account as per the current minimum balance requirement for saving
he relationship within the time allowed (15 days), the Bank will close the account.
received during the first week of each month.
. For this test, review deposit settlement account.
ten off from bank books after account marked Closed in system.
e of maturity? This account should be “CLOSED” and a new account to be opened in his/her name and all fresh required documentation as
month. If the formalities are not completed, Are the account blocked after six months from the minor attain his age of majority
hip with the bank, then funds shall only be released on joint signature of guardian and the minor upon proper identification. In case of PO iss
A/c would be jointly by parents.
should be delivered to customer duly acknowledged by BSM or his/her backup under his /her full signature.
those customers whose accounts have been opened during this period and forwarded to branch operation for onward submission to AMU.
orwarded to AMU through IOM for their necessary updating in system.
nts opened in student, widow and pension and salary accounts of Government employees categories?
udent IDs expired status of the accounts should be changed
dge the delivery to the concern also be recorded.
d/identified the reasons of undelivered statements and arranged to deliver to customer against acknowledgement.
s initiated by the branch to contact the customers for updating their addresses
nager on daily basis to monitor the accounts marked as WAU/return mail.
change (in case of jointly operated account, the request must be signed by all account holders). Customer's signature must be verified aga
D and their subsequent dispatch or hand delivery to the customers.
under different types of restraint for regularization.
ounters were ready at 9:00 AM for customer services.
Access Register to record timing of Vault access i.e. time in/ out& also record withdrawal and deposit of cash (denomination wise) in vault ca
stem and authorize the same in accordance with the cash assigned physically to each BSO (s).
or depositing cash in vault/safe.
ger& Regional Operations Manager and copy to Head Opertions
oto identity from the list of Security Company authorized employees as per the bank’s record.
Rs. 5.0 M (or as prescribed and insured under Bankers Blanket Insurance Policy). This should be done in the care of two bank employees
s with accounts
stros a SecurityforCompany
settlement
arebyinadopting
Place. the procedure of cash shipment for other banks along with MT 202. Annexure 4.5.K will be referre
NBP cheque for cash withdrawal after proper reporting to Treasury & get it signed by the authorized signatories registered with SBP/NBP.
e, the second person signs as witness to the signature. The genuineness of the security guard’s signatures and photo identity must be asc
cash (soiled / sorted etc.) to be surrendered & submitted to SBP/NBP’s respective office. Date & time allowed by SBP/NBP for deposit will
oper acknowledgment on shipment order?
m Security Company against proper acknowledgment.
osit slip is obtained from SBP/NBP.
aintained with SBP’
h email clearly shouldthe
specifying betotal
mentioned
amounton deposit
and lettertowhere
agreeing we areinnot
its break-up maintaining
terms relationship with peer bank) will be prepared highlig
of denominations.
ed by the BSO. The “sorted” stamp must appear on each packet of old notes. In case of new packet branch stamp should be affixed.
t separately and share / send the same on or 5th working day of each month to the designated officer at head office for compilation and rec
lt custodian (BSO).
SBP. Refer (SBP Let. No. Cy.1087/336-2003 dated 28.05.03)
nk/branch and date of sorting and branch stamp affixed in case of new packets.
ibed format.
n vault in accordance with the average daily cash payment requirements except of the branches which are exempted from this condition
tion of fresh currency notes to customers for onward submission to SBP.
and valuables under his possession.
distributing physical cash to teller.
ix months. Also verify in case of resignation/transfer of authorized person combinations are immediately changed.
Rs 10/- denomination
? Is there any cross holding of vault keys noted?
er 2 dated July 02, 2011).
both key custodians and placed off-site under intimation to the Area Operations Manger?
whenever cash balance exceeds branch cash insurance limit.
y.1087/336-2003 dated 28.05.03)
cease to be legal tender and SBP will not receive or exchange and refund the value of such currency notes was not displayed non complian
arately. (Master Circular No.1 dated March 05, 2004)
nch and date of sorting and branch stamp affixed in case of new packet? (Master Circular No.1 dated March 05, 2004)
gement . (Master Circular No.1 dated March 05, 2004)
C Circular No Cy /01/03?
of cash at the counters from their depositors? (BPRD circular No.12 dated Oct 19, 2011);
e fee collecting account of the educational institutions.
pearing in respective BSO’s ID and BSOs transfer the cash to BSM/head BSO through system as well as physically.
n the safe after updating the cash vault register to this effect.
tout of the same is attached with the branch’s daily cash position (blotter)
ult overnight. Safe & strong room will jointly be re-locked.
ROM with a copy to GM.
ed for three days, preliminary report immediately forwarded by the branch to respective AOM/ROM under advice to respective Head of Oper
days to determine the responsibility for the difference.
mentioned in section 2.2.4 (c) of policy. (Cash Balancing Guidelines)
CPC vault cash. This activity should be evidenced through signatures on Vault Access Register & Cash Vault register.
ncies are reported to AML unit in Compliance function on the transaction execution day/ same day
entries with prize bond register.
er and properly recorded in the register?
within seven (7) days from the date of transaction (CTR).
ng day pre-ceding the shut period a region wise consolidated report to SBP with-in five days of the commencement of shut period. (PBD / U
y bills from the public which shall be processed through the system later on.
er. In case of non-working of printer the reason of which must be mentioned on the branch copy and the customer slip must be handed over
ger and Rs. 50 M & above to respective General Manager through e-mail for information.
ny alteration should not be paid untill authenticated by the account holder.
h Manager / Operation Manager.
etorships is prohibited. Such cheques can only be deposited and collected into the account of the beneficiary.
ic Branches on Saturday.
ship was not made by branch.
e back of the cheque.
slip written by depositor
on of reversal
affixing of stamp “thumb impression affixed in my presence”
d by the BSM and designated officer of the branch.
g copy of identification documents like CNIC, driving license & employment card etc.? Also ensure teller affix “Transaction Posted” stamp.
ained (regardless of threshold) from occasional customers / walk-in-customers or where such person is conducting transaction on behalf of
on bank’s record to confirm the issuance of bearer cheque as per defined threshold in Branch Banking SOP. Same practice should be follo
of the instrument. “Confirmed issuance of Cheque by the drawer over Telephone #……….with (name of customer) of (name of company) a
Number and Registered Mobile Number by the processing branch. No call back will be done post transactions. CBC for remittances will be s
ad for further verification?
processed by branch.
lent in a single day.
n branches.
cash transactions (deposit / withdrawals) above rupees 0.5 million whether carried out in a single operation or in multiple operations that ap
regardless of threshold) by occasional customers / walk-in-customers or where such person is conducting transaction on behalf of an accou
ncies reported to AML unit in Compliance function on the transaction execution day/ same day
premises for ensuring that retention is in accordance with the period mentioned in retention schedules for different type of records
obtain the depositors’ signatures and contact numbers on deposit slips
BL, then concerned branch will select transaction type “PNDR” & “PNCR-float” accordingly to process transfer transactions in beneficiary pe
obtaining the copy of CNIC of the customers and proper verification
processed through withdrawal slip
be verified on deposit slip before debiting the account
e customer to parent branch
re applicable)
to be credited, are cheques scrutinized at the time of receiving and its being ensured that account has not restraint of dormant/ WAU?
account number mentioned?
eturn memo. If the account is classified as Whereabouts Unknown then OM/BM approval is suffice
particulars of the instruments along with the reason for return?
d representative
neficiary pensioneragainst proper
account with acknowledgment
tran type “PENC” in therealise
and outward cheque
clearing return
once register
return and copy
confirmed from of CNIC of authorized
NIFT/SBP/NBP etc. representative also
branch an intimation letter along with the copy of cheque sent to customer through courier.
rdingly and will deliver to customer through registered mail.
ories and sent it to NIFT/NBP/SBP while the branch retain triplicate copy for record purpose.
gnatories jointly sign the collection letter and send instrument to CPU for processing.
on letter retained by the designated staff for record purpose.
ernment organization or department.
ent to drawee branch / bank.
he branch where instrument is above $10,000 (equivalent in other currencies & being converted in PKR).
O. 22 OF 2005)
eously received cheques, redirect the same either to the drawee bank or to the drawer immediately, but not later than 72 hours from the dat
nt lodged in Same Day Clearing, before the close of operations/business day.
nt lodged
gainst theinproceeds
overnightofclearing beforeinstrument
the payment the close of next business
lodged in intracityday.
and intercity clearing on T+1 and T+4 days respectively.
e compensation @ 3% above SBP policy rate to payee within 31 days of lodgment of instrument.
ession in all branches, as per SBP PSD Circular No. 03 of 2017.
de the branches or those branches where ATM is not available will place drop boxes inside the branch.
e cash vault.
ed on the drop box?
d on instruments retrieved from drop box?
register. Post dated cheques to be held for maximum 7 days under joint custody.
rop box key and both custodians jointly access drop box.
with the discrepant cheque letter
y)
nal circumstances where such instrument is to be issued, (i.e. favoring educational institution where purpose of payment is fee etc.).
g Suspense Account.
ained on the standard application or plain paper. And in case of partnerships and companies debit authority should be obtained on compan
& time stamp through (where Qmatic System is not installed) the same if otherwise in order.
are received.
th prior approval of Head of Branch Operations.
ernal transfer amount is more than the thresholds defined. i.e. 500,000
ainst duly signed authority letter by the account holder & acknowledgment obtained on the request letter/FTAF form.
riginal PO has been lost.
d Land Line Number and Registered Mobile Number by the processing branch.
(CNIC)? Is original Seen of CNIC preformed?
ues in favor of educational institutions, HEC/Board etc. may not exceed 50% of fee / dues or Rs 25/- per instrument whichever is less.
ail by BSM/BM/BSO to CMU South mentioning the required details of draft (i.e. Draft number, date of issue, name of beneficiary, amount, p
mount in customer account against debit to long outstanding / Unclaimed DD payable account upon written approval of BSM.
he draft under the words “Received Payment by Cancellation”.
ted on the departmental copy of draft.
ed "cancelled" and made part of vouchers.
anch other than the issuing branch?
tonomous body/ DFI/ NFBI for releasing the instrument?
of BM who would first satisfy himself that all necessary steps have been taken for effecting such debit.
e receiving stamp on request and verify the customer signature.
es of issuing branch one of whom must be BSM.
instrument request from beneficiary needs to fill standardized form (4.3 H)
form in record. This service would be free of cost.
edure Department.
ough reports of unclaimed pay orders / outstanding pay orders & balance thereof should be cross verified with balance appearing in GL.
-10/018(01)/10288/2018 dated: 11-05-2018
T in fire proof cabinet with track of issued leaves.
balance outstanding in the stock register/card.
xed and locker’s documentation is complete?
port copies?
can avail this facility with minor account.
out CAAML approval .
f the Locker Custodian and Branch Service Manager in main vault or strong room.
in a fire proof cabinet under dual custody of the locker custodian & Branch Service Manager.
other person to operate locker in his absence?
rmal category and four locker operators (jointly or singly) are allowed for priority banking
g" I have received my keys in sealed envelope".
nd photograph of the customer) to CPU - LHR for signature and picture scanning in Symbols via Seibel account maintenance screen. Signa
h the profile of the client
and correct key is delivered?
ther than locker custodian?
eparture is recorded?
mer and witnessed by two officer?(If keys were lost)
ime of surrender of locker?
Box (Lockers) Application Form, Specimen Signature Card, Mandate, Safe Deposit Box (Lockers) Issuance Register etc.).
lease. A record of change of lock/lever be maintained showing Safe Deposit Box (Lockers) number, date and reason for change.
ng the locker?
o pieces and kept in sealed envelope under dual custody in fire proof cabinet.
n place are fool proof and meet the security standards?
existing locker holder / new locker holders?
custodian and BSM?
ved in accounts?
anch Operations for advice. After two years of rent overdue; branch will send MIS to Head Retail & Head Operations and if all lockers are o
paper forthe
kers) in reminding finally
presence to independent
of two customer. witnesses; one should preferably be an advocate / Notary Public on the approved panel of the Ba
strong room under dual custody overnight?
Forms with Safe Deposit Box (Lockers) cards in order to check incorrect filing.
r, system sheet/manually maintained MIS (where available) and lockers application form performed by the branch?
e to customers where rent remains overdue for two years ?
the bank/DFI immediately as per the insurance ceiling of the locker?
chment order or legal injunction on the said Safe Deposit Box (Lockers).
TM issuance register.
pt of application.
ng days from the receipt of daily Cards pouch. If not reported within the time frame it will be considered as branch does not have any discre
marking in their provided excel sheet format via email.
on the card production report to record receipt time of the cards.
or survivor'' and one signature will be required.
M and the designated staff of branch overnight. However, during the day it can remain with the designated delivery officer.
f CNIC (original seen by designated bank officer). Acknowledgment obtained on register
r must produce his/her valid original CNIC, the same will be verified and copy of the same will be marked original seen under the name, init
ccount holders against duly witnessed undertaking.
r letter sent to respective customer after 20 days from the date of receipt of card in branch.
pe in two halves) in dual custody & signed off jointly and notation of this be made in ATM issuance register.
Asst OPS and card production departments.
eir absence these functions to be performed by the BM/SBSO and designated BSO.
en staff handling these combinations are transferred or resigned.
he nearest FBL branch in a sealed envelope under joint custody. In case no branch available it should be kept in the nearest other bank bra
enished in ATM are not cut /soiled & are of re-issuable standards
ss cash also arranged.
and placed at the reasonable temperature and branch should avoid making photocopy of the roll for filling purpose.
n daily basis maximum by 1 pm.
ishment is done under supervision of CCTV camera.
rences if any in order to identify suspect transactions(s).
on Manager
ety and privacy.
n on daily basis
be captured. Further CCTV is installed to monitor/ record activity in the ATM vicinity instantly.
ns to allow easy access to special persons and wheelchair users (CPD Circular No 02 dated 13-02-2014)
010 dated 08-07-2010.
n writing through approved courier service accordingly. Evidence of having done so should be maintained for record purpose like letter copy,
not be recovered.
the card number and details in register under dual authorization and return to the card holder is within prescribed period after proper verific
ent in captured card register
case captured card is FBL pocket mate visa debit card/ union pay debit card.
ile delivering the card to the customers
on records while delivering capture card to customer?
e card issuing branch and CFC informed accordingly.
hin 8 working days then issuing branch cut the card into half and shred the card at their end.
acilitate him/her in lodging a complaint to issuing bank for immediate resolution.
mplaint lodged by the card holder on same day to the nearest branch of issuing bank.
e preserved and returned to CFC and the cases would be immediately reported to FRM unit. It should not be returned to card holder in any
nce and delivery to the customers.
ook where requisition slip is lost / destroyed are not be entertained without the physical presence of customer and a declaration to this effec
anch will obtain a request on plain paper in case of individual or on company letter head in case of entity and process at their end after obta
ok requisition staff deduct respective charges.
ld be done on registered number with bank by BSM/SBSO to confirm the authenticity of the request prior to processing. In such exceptiona
branch for genuineness of requisition slip through embossed watermarks through UVL.
ated officer in order to record receiving date and time.
n request is obtained duly signed by customer stating the reason as to why the customer cannot approach the parent branch to collect cheq
lly i.e. other than parent branch?
ing memo of branch.
ount for any restraint such as dormant or whereabouts unknown.
M approval obtained on the request.
n of the same should also be mentioned on the request by receiving officer. Whereas requests are received through customer’s representa
ction by the issuing officer, noting to this effect (Serial number of the cheque issued) done in the CRF/ARF copy/requisition slip/ letters.
elivery officer or his/ her backup
delivered to third party representative.
accompanied by authority letter duly signed by account holder clearly nominating the representative and attesting his specimen signatures.
ere contact with the customer cannot be established after obtaining approval as per exception matrix.
authority. Under special circumstances if it becomes absolutely necessary for certain customers the Branch Manager or in his absence Rela
ack Confirmation must be done by BSM/SBSO on system given register number only. If contact is not established then in such cases cheq
the same will be marked original seen under the name, initial, date etc. of branch delivery officer.
mer contact is not established. However, in such cases cheque book can be delivered to representative upon written approval of concerned
estraint is marked through EOC by OM with the notation “This cheque book is not yet activated”.
ng the confirmation of receipt of cheque book in writing to branch as per the operating instruction.
ue book issuance and it is reviewed by Department Head / Manager Operations.
heque books and place them in the fire proof cabinet.
eque books.
date of receipt with the written approval of BM/BSM with proper notation to this effect on register.
rom the date of receipt at the branch.
WAU in respective account and inform to RM for updating their address.
dy of cheque book delivery officer and BSM/SBSO. While during the same are with designated custodian/BSM.
g entries in the cheque book issuance/delivery register.
scertain that total cheque books entered in system matched with client requisitions. Also check the stop payment restraint (SCI) marked in s
cknowledgements in cheque book register to ensure all delivered cheque books are activated in system.
serial number of the destroyed cheque book.
n slips and the cheque book issuance register till these are delivered or destroyed.
ginal requisition slip is attached with it after cutting into two halves. Remaining cheques shredded.
ster by highlighting them to be marked destroyed
nightly basis for reconcile
ition slips at the time of accepting the applications for cheque book issuance? (CPD Circular No. 2 of 2013 dated May 09, 2013)
or record purpose.
cord and to reconcile the same. CBD report will be signed by two designated officers one of them must be BSM/SBSO, and filed accordingl
st etc. on SI request and it is machine date & time stamped.
mp and signatures verified
ssed due to insufficient balance.
branch, request will machine time stamp, signatures verified and marked cancelled.
cancelled and status of the account changed to "Deceased Account".
e the information with respective branches BSM/SBSO via email where the another account is maintained. In such cases where customer w
Registrar, Executive & Misc. Branch, High Court of Sindh.
marking of ATM card (where applicable) & account number should also be provide to CPU Account Maintenance for unmarking of service
requested to withdraw the funds and open a new A/C.
r vetted from Company Secretary & Legal Advisor.
al heir without succession certificate against production of indemnity on prescribed format.
ed by the heirs should be verified by external lawyers.
gnatures for corporate and commercial customers
est should be received same day or maximum next day?
ith date and time on the request duly verified the customers signature .
uests were received?
omer by hand under acknowledgement or to be sent through courier on the same day to customer’s address by the concerned staff.
Has branch obtained prior approval from BSM/BM of respective branch if stop payment is being removed on behalf of another branch?
mark the same.
st as per account operating instructions.
er after completing call back confirmation? Ensure sec 4.3.11 (4&5) of SOP followed?
ed against
ttached customer
copy request
with request and
and delivered
original seentounder
authorized person
the name, against
initial, acknowledgement?
and date etc. notation should be mentioned on CNIC copy.
er back-up if BSM is not present
vailable in bank’s record if uncollected for 5 days from the date of receipt of request. Courier charges as prevailing in current SoC will be rec
itate the process of requests of verification of bank account/statement expeditiously received from Foreign Missions, Embassies/High Com
ducation received disposed of, accordingly within seven working days from the date of its receipt? (BPRD Circular No. 06 of 2010 dated Ma
erification from the accountholder/customer either directly or through debit to his/her account? (BPRD Circular No. 06 of 2010 dated May 17
in the branch.
diately lodged in Siebel (complaint lodgment system)
nd routed to Complaint Servicing Unit in Service Quality through courier/fax or by hand delivery?
to Complaint Management Unit for resolution within defined TAT( 7 working days)
No. 17 dated June 7th 2004?
hrough reports of unclaimed pay orders / outstanding pay orders & balance thereof should be cross verified with balance appearing in GL.
ch would first obtain the written request from customer. The receiving officer shall affix the receiving stamp on the written request and verify
h of every month for the preceding month.
. within a maximum of thirty (30) days from the date of origination.
e expense on new branches, advance rent paid, legal expenses, mark-up/service charge recoverable, Qarze Hasna for marriage, and forw
splayed on main door of the teller area.
coordinate with the Regional Security Officer (RSO) and Head of Safety and Security
ard less branches will also note branch opening timings in branch opening & closing register.
du for their compliance.
stations, ambulance services, are available and pasted on the branch notice board. The names and contact numbers must be immediately
d areas where 24-hour video surveillance and recording is provided, should remain switched on inside and outside the branch during the nig
nce in a week) and evidence of the same be placed in branch file.
etail of Security Guard Company Supervisor
erify the same on attendance register
CTV cameras installed in branch should be available for 60 days.
ected branch must remain inside and keep the main doors closed.
horized persons to enter the branch premises after the close of business.
y under intimation to the Head Security and Safety, Head Operations and the security company for branch opering on holidays.
dent, alarm signal or any other unusual incident during the day or night through a situation incident Report (SIR) on the prescribed form (An
ance and servicing
on to react in emergency. Further to ensure that guards only be used for security duty and no other work be taken from them.
rotated at least once in six (6) months. Further once a guard is transferred from a branch can be reposted on the same branch after two mo
report of the inspection held in the branch record.
te panic button also available with the OM?
zed person and recorded in the branch register / log book.
the time of employee leaving the branch? Also check that same is recorded in the register.
n to the RSO/Head S&S with every transfer and change previous password or security codes?
security guards posted at the branches has been instituted together with the security company. Log of surprise check be maintained with th
a week) and recorded in log book.
as where 24 hour video surveillance and recording is provided, remain switched on inside and outside the branch during the night.
ready for use at designated place.
cess is conducted i.e. supported with introduction letter?
unt files and business correspondence retained for at least five years.
açade be protected by a grill of sufficient strength.
y without written permission granted by the BM and concerned Area Manager jointly under jointly under intimation to the Head Security and
System . Ask for the latest review done by ID Management Team. ID creation, deletion and addition of roles requests. Also Obtain list of staf
ponsible business owners?
Head IT Security & Risk management?
sends an e-mail request for enabling the ID?
eave plan for necessary rectifications?
employees and approved by the competent authority.
ore than one day at a time. Any need, for absence of more than one day from work, shall be accounted for by taking Privilege/Annual Leave
y a medical certificate from a register physician confirming the employee’s inability to attend office.
hout break at least once during the year.
April endorsed by the Functional Head in concurrence with Head of HR.
gh Insurance Company.
of Employee, Employee number, Grade/resignation. As per HR circular dated: 11-04-18.
e SOPs to bank staff.
of system ID to his backup.
P C & CPdCircular letter No 01 dated 13-04-2017)
d 04-07-2006)
ucation services provision.
SCD 18 0f 2010?
ed vide BPRD circular No.4 dated May 24, 2016
gory) to convert their account to Asaan Account (Current Category only) with prior consent of account holder and convey him T&C for Asaan
circular # PSD Circular No. 01 of 2014
per BPRD CIR. NO 8 OF 2007
mmercial character cease to be legal tender and SBP will not receive or exchange and refund the value of such currency notes. (SBP notifi
s per Punjab Govt. notification?
played inside branch premises and/or ATM room. FD Circular Letter No. 03 / 2018
PAKISTAN’S DIAMER BHASHA AND MOHMAND DAMS FUND ARE ACCEPTED HERE”. displayed in the branch
permission from SBP. (As per required by prudential regulation M-3).
cords on transactions both domestic and international.
vided to the senior citizens/ pensioners and special person and make arrangements of separate counters for pensiners/senior citizens//spe
on of Chapter No XXII Para 5 of F.E Manual)
Exchange Return System (ITRS)
erless environment,
C or higher in the summer
tc. and send to Regional/Head office for the necessary action where required
aring from and
branches on the notice boards within such branches
dongle.
nce CPU shall inform NIFT in writing or via e-mail to rectify errors.
omer signature
eirrespective
cleared from account and
of amount marked
other“Whereabouts Unknown”
above 500K to brancheson the basis
(where of respective
signature BM
differs) & in /case
OM approval.
fate is not received by 12:00pm the same will
hes / BSMs through e-mail.
with two authorized signatories. the same should be received within 30 minutes from the time it was sent by CPU. In case confirmation not r
m Leader for approval in case sufficient funds are not available in the account.
h specific reason.
nexure C of PSD Circular# 03 dated 21th Sep,217 and all returned cheques will be entered in branch wise excel based cheque returned re
alongwith a “Return Memo” mentioning the reason for not honoring the cheque and the same will be signed jointly by CPU officer along with
g by debiting “Deposit Settlement Account”
aring sheet, all posting will be checked through daily branch / officer report and pre-consolidated report to identify the difference.
on of date wise packets of paid cheques is carried out.
eparation of date wise packets of paid cheques will be carried out.
uture records
ents, If same match with NIFT inward clearing sheet then, only then clearing is balanced.
ring for onward credit to the deposit settlement account.
CPU, Clearing by debiting "Deposit Setlement Acount" to settle the difference in inward clearing account ue to cheque returned after clearin
branch
n, CPU,/ officer
Clearingreport and pre consolidate
will immediately entries
inform the Branchreport.
Manager / Branch Service Manager of cheque presenting bank over phone to hold fund
ay order against the returned instrument. Such letter must be signed by the Manager CPU with authorized signature number.
nward RTGS account and CPU will then debit normal inward RTGS account & credit respective settlement account.
on realization of funds in outward clearing, inward normal clearing account will be credited by CPU.
/ reconciled on daily basis.
branch/officer report and pre consolidated entries.
ugh afore mentioned
struments and depositprocedure.
slips physically with that mentioned on branch’s IoM.
acknowledge the same
advised by NIFT from time to time.
stem in the morning of next working day/clearing day.
same
aff andtosubsequently
be executedauthorized
through upload
by theoption in Third Party Module of SYMBOLS 8.5. (There is no transaction threshold of amount while pro
supervisor.
chers (branch wise) through system upload option using transaction type CROC on required format on account of cheque returns for outwa
option due to any restraint, error or reason what so ever are posted manually. Check whether all such manual postings are authorized by C
overnight
cross clearing
checked andbefore
signedthe
by Close of next
the user, business/Assistant
supervisors day. Manager of CPU, Clearing.
s & returned cheques is same as NIFT outward clearing sheet.
ough daily branch officer report.
g settlement GL is credited by debiting normal outward RTGS with a consolidated amount.
tward RTGS account.
ard Collection cheques in Outward Clearing.
C settlement account to settle Inward Collection cheques transactions in the system.
instruments returned in Outward Clearing & uploaded on FBL internal portal on the same day of return of instruments.
kept
eportinofathird
fire proof
party cabinet
Moduleattoan appropriate
ascertain place and genuineness of the same day transactions respectively.
the accuracy
tantsame
the manager/ manager
is provided by on the hard copy as per
supervisor/Assistant assigned
Manager limits.
CPU- This must
Clearing be, without
supported exception,
by his/her performed
full signature. daily. all suspense accounts
Moreover,
received from NIFT.
ed crediting limits as mentioned in Process flow
eposit settlement account” until account marked active by respective branch.
ccount with outward clearing GL account
proof cabinets and same collected by respective branch riders under acknowledgement in cheque return register.
on Monday. Likewise, cheques received on Monday till Wednesday will be lodged on Thursday
med" stamp back of the cheque duly signed by the authorized signatories
the reverse side of the check for duly authenticated clearing stamp cancellation
ranch for rectification. Cheque will be returned to the branch for rectification of advised discrepancy through courier/by hand delivery to repr
ill debit SBP local FCY Clearing account and credit OUTWARD CLG SETTLEMENT NORMAL account with net USD Clearing amount .The
t settlement account. For Islamic branch CPU will relay MT 202 for debiting Islamic Nostro Account.
Manager CPU along with returned memo handed over the NIFT authorized representative and copy of the same will be filed for record purpo
on. Does
e-mail etcsystem restrict
is aligned withthem
SBP to change
format it with
which regular time
includes.CM interval for
containing password
payment protection
details reason.format provided by SBP. (i.e. details of b
as per agreed
's & bank's copy.RIN can be generated either by FRC or Exchange company.
s/Foreign banks to CAAML for approval?
prior funds transfers to beneficiary.
cedure function)
ny/foreign viaAML/KYC
bank for e-mail. purpsoe at FBL end.Test soes AML/KYC is performed for FBL a/c holders.
vant information (date of birth, nationality, place of birth & Address) from remitting bank.
Secondary
the information
information (DOB, Father
is not provided Name, Address)
from Exchange Companythey may report
/ Remitting the incident to AML Team for guidance. Exact Match transaction will
bank.
receipt of funds by FBL via CashLink. (FE Circular No. 04 of 2009).
or digital PO issuance and dispatch to address mentioned in RDD.
mmunicated to Exchange Company/Foreign Bank within 24 hours on receipt of return mail.
e RDD is received after banking hours, it shall be processed on the next working day.
aid after revalidation.
Further, any transaction rejected from direct Credit or other Credit would require data repair will also land here. And the same shall be comm
ut through sundry.
manually
ature refunded
are subject to to
beremitting
reportedbank.
to AML team as internal STR immediately after processing of the transaction. Transaction should not be stop
home remittance (the essence of PRI). Any purpose reflective of commercial nature should be reported to AML Team as internal STR immed
month to AML Team.
editing into beneficiary account consent from beneficairy was obtained prior refund to the bank/exchange company.
s ID were disabled.
than 250 accounts processed by next working day
me stamp, date, amount in words and figures, signature verification, UV in case of cheques amounting to Rs. 100,000 & above, beneficiary
n batch report from the system and attach with the transaction for authorization and cross checking by the authorizer
ssed without any overlook
date, amount in words and figures, signature verification, ULV in case of cheques amounting to Rs. 100,000 & above, beneficiary details, ca
authorized signatories with Original Payorders
body / DFI / NBFI, discharged from the beneficiary with proper stamp and signatures of the discharging authority obtained.
NCELLED” stamp after cancellation on the face of instrument
es together with an FIR as prescribed by SBP.
r issuance of duplicate PO issuance is obtained
me stamp, date, amount in words and figures, signature verification, ULV in case of cheques amounting to Rs. 100,000 & above, beneficiary
O-South via fax or email (followed by original IOM) mentioning the required details of DD
ge through e-mail scanning module
words and figures, signature, ULV in case of cheques, beneficiary details & CBC whereever required.
nt by TBO. Movement of funds to Correspondent bank and
r cancellation / lost FDDs obtained
tus of the cancelled DD
ues printed at bank's end carry's authorized signatories.
the cheques for individual transactions or select print check box for printing all instruments of the respective customers.
ed as per the customer’s request received in the system
e or deliver through bank rider at their premises after obtaining acknowledge on the printed report.
marked as stale in CL. On presentment, system will prompt error that this cheque cannot be cleared and needs to be re-validated.
ll PO/DD appeared in the report has been printed as per the customer’s request received in the system
ches / drop box / customers
nd then run transfer data in the system for outward clearing.
ing is carried out on monty rhly basis with noting in security stationary register.
potential deficiency if any.
ctivity log with
application mustrespect
ensuretothat
activities performed
application is duly filled in all respects
slication form.
and supervisor/manager
e the same on the certificates with date of issue and full name of the applicant / beneficiary
e applications processed during the day are appropriately filed based on registration number wise in box files and kept in fire proof cabinet
as per the format (annexure A) along with SBP Cheque by debiting DSC/SSC Sale Account and does Treasury also be reported with the s
rmat (Annexure I / J) to SBP on or before 7th of every month after completion of 90 days
itted to SBP by the next working day for the preceding day
he next working day for the preceding day
stock register.
has been verified from SBP prior obtaining stock with fresh indent.
of issuance of certificates.
SC encashements and profit already/earlier paid to customers
st no profit is paid if encashments were made before completion of one year & six months for DSCs & SSCs respectively.
at@2.5% was dedcuted at the time of encashment from investments(Principal plus profit) since July-2015 including investments of Rs 150,
uance application must ensure that application is duly filled in all respects.
tes and enter the details of certificates issued in excel based stock & sale register & on the application form and print out of excel based rec
also write the same on the certificates with date of issue and full name of the applicant / beneficiary.
pplication mentioning date of issuance of SSCs/DSCs and initials on issuance application
tificates to the concerned Assistant Manager/Supervisor of CPU for his verification.
he details mentioned on customer’s application against issued certificates and mark their initials on the customer application.
g with copy of processed application through approved courier services (where required) to the attention of Branch Manager or Branch Serv
o the details of certificates in relevant register prior to sending / handing over original certificates to the concerned Branch / authorized repre
e applications processed during the day are appropriately filed based on registration number wise in box files and kept in fire proof cabinet
atement to State
que to Public DebtBank of Pakistan (SBP) Public Debt Office as per the format (annexure A) along with SBP Cheque by debiting DSC/SSC S
Office
ts to
es be processed
without on next
processing, working
followed day
by an e-mail to the attention of Branch Manager and Branch Service Manager of respective Branch mention
on to another or to legal heir by applying on the prescribed form (Anx F) and succession certificate in case of deceased customer.
ay be, are entitled to have duplicate certificates issued from the issuing office on completion of certain requirements. Test formalities includin
r disbursement instructions are mentioned on the encashment form.
entries are passed.
ed customer account.
ted on next working day to SBP.
ack of coupon by the applicant along with signing encahsement form "annexure B". Further IoM signed by BM/BSM also held in record.
nt paid from SBP.Test whether same procedure is in place or not
WHT challan from FBR.
of credit in SBP NOSTRO activity via RECON unit. In case where credit will not have breakup detail of claims, same will be processed upo
s were mentioned on encashment form, Certificates were not under lien, having duplicate status, signature on back of instrument matches w
ime of encashment @ 2.5% on the principal amount (Face Value) of the SSC and in case of cumulative value of DSC
tached and defaced from new coupon book as already enchashed by transferror during the tenor and are retained in record file of tranferor.
ith letter of lien from Customer via our branch. Test CPU has assured customer signatures verification by respective branch.
e of lien marked and same noting were noted in respective register.
tion with FBL rubber stamp. Test also same filed branch wise under dual custody.
of---" stamp on the back of each srip and application.
re envisaged at each maturity may be allowed if supported by appropriate approvals as per Approvals matrix, but the KYC/CDD measures
d figure, desired tenor, instructions of maturity, settlement and customer signatures on application. Test same have been verified by the aut
full signature of customer.
n to Central Processing Unit (CPU), Term Deposit must ensure that customer’s account mentioned does not contain any restraint such as D
st be obtained from the concerned Group head and attached with the applications.
orized persons from Branch Operations who will verify the presence of customer and affix stamp of thumb impression verified and must con
e next working day
on Date" on application.
to concerned Supervisor for his review & approval.
with system's
ithout generated
any threshold TDR
limits) to account report
customer's and made
address his initial
available as evidence.
in Bank's records and all dispatch records will be maintained accordingly. CPU T
tioned in retail banking procedure.
as designated by the Manager CPU) at the end of each day.
of same from concerned authorities is provided by respective Branch
al from respective Regional Manager & Head Centralized Operations is provided by the Branch.
ssed by CPU, Term Deposit on the same day, if otherwise in order.
ing day,certificate
plicate if otherwise in order.OPS team after receiving such request which will be later on stamped as “duplicate” by branch before delivered
to Branch
ignifying renewal/rollover in the system respectively) is marked in Term Deposit Account.
ss as per bank’s record on the next working day.
competent authority together with Originnal customers's instruction are kept in CPU record.
il/ Corporate/Commercial) for renewal/rollover of said term deposit will be sent to CPU, TDR through fax/email/scanned copy) before one da
ough approved courier services or by hand delivery on next working day after execution of transactions
above report.
ective settelement account.
wed on the due date and generated from system.
h deposit module & lien marked stamp shall affixed on the hard copy and the same will be sent to CAD through courier or by hand delivery
mers settelemnt account.
re mature encashment instructions. Customer’s signature on premature encashment instructions must be duly verified by the authorized sig
will be processed on next working day.
mentioned in TDR issuance MIS and mark date of payment with initials accordingly.
ce and forward the same to supervisor for review and initials.
ate in
cts prescribed by SBP
case of Retail & concerned business heads for Corporate/Commercial.
n was marked.
CAD in system, a confirmation to above effect will be sent by CAD/CIU to CPU Term Deposit through an email along with settlement instruc
mer original application, and mark initial and forward to concerned supervisor for initials thereon.
R will check that lien marking TDR must be marked as Roll over/ Renewal in system
arrange to remove funds held restraint (LEN) from CPU AMU in system (using 0100 Ids) on TDR account equivalent to TDR amount and sa
tion R-1 and required stamps affixed thereon?
erified from FBR website, has this exception been approved by respective Regional Manager & account will be marked as IR.
ese original CRFs and documentsand and send to archive for filling
not available.
s relationship needed to be closed due to negative verification after issuance of TAN?
and enter the operating instructions as per CRF, SSCs and Board Resolution?
customer at given address through approved courier services. Copy of Letter of Thanks must be attached with relevant CRF and maintain P
incorrect or consignee shifted or no consignee available at given address etc. Concerned Assistant Manager or backup officer of Account m
nforming them of the marking of risk.
book request in system as desire by customer as per CRF/CLA.
ustomer and arrange to provide new or correct / complete address to CPU, Account Maintenace having customer's signaturere(s). After putt
cross verifying the same, generate the LoT again duly corrected the error for onward dispatch to respective customer?
eceiving new / correct address, duly signed by the customer(s), update / enter new address in system, prepare Letter of Thanks with update
ecords. While proof of dispatch maintained separately.
x files and file date wise opened CRFs, Specimen Signature Cards (where applicable) along with relevant documents and duly signed Acco
written request from the Branch Service Manager or Branch Manager or Regional Manager of respective Branch, copies of required CRF, S
re the correspondent address to be updated (if already marked as FBL office)
ve General Manager. In such cases, AMU is required to mark address field (CBS) as hold mail after dispatching of LOT at customer given a
ficate / CRC - Child Registration Certificate of minor to be captured in NIN field with issue date as "birth date" & valid up to date as "age of
required details from client level for monitoring purposes..
2 of SAVINGS ACCOUNT OPEN / MAINTENANCE Screen. (This is required to waive Zakat deduction on Minor Account if Guardian Client i
uardian that the minor will attain an age of majority in one month. If the formalities are not completed, the account will be blocked after six m
Minor attains Majority". At the time of blocking the account, AMU to generate and dispatch a letter (Annexure 4.11.E) on the account holder
opening the account so that any debit activity in the minor account is automatically blocked after 6 months from the date the minor attains m
r who attained majority as well as the guardian.
ndustry type of the client of the minor from Minor to other applicable category.
nts. The responsibility of screening for NCTO is as per policy document 2.1.3 (c) are followed by AMU.
PEN) & category (PE). This is a non-amendable field.
putting a forward date which is 6 months from the issuance date of these certificates)
ficate issuance date of issuance to facilitate the branch to follow-up with the customer for timely submission of the required certificate.
will automatically be blocked after 6 months in case the customer fails to submit Life Certificate or no-Marriage Certificate to the bank or pen
ce of Life Certificate or No-Marriage Certificate becoming due so that the branches can follow up with the customers on timely basis.
ng items: New pension issued Pension transferred to heirs Pension transferred to other places Pension stopped/restored Pension discontin
ned as permanent record. Any discrepancy shall be resolved within six weeks
rce, branch will automatically block the transaction in Pensioner’s account
d be sent a letter informing the account will become dormant in a month
t which is to be closed.
ager.
branch) should be couriered by the designated staff of respective Branch through approved courier services or by hand delivery to CPU, Ac
m branches will review the application & attached documents for completeness. Any discrepancies if found would be intimated to the respec
respective Supervisor or Assistant Manager CPU.
net of WHT) will be credited by the designated CMO in settlement account Currency wise. Tax on non-cash transaction will be deducted (w
on & relevant documents (if any)
ems, reconciled with number of Accounts closed during the day and signed by the respective Supervisor and Assistant Manager CPU, Acco
s and all Account closing applications along with CRFs/ CLA forms, SSCs and relevant documents (attached with the CRF) and system gen
tant Manager CPU, Account Maintenance in a fire proof cabinet at proper place as permanent record.
om management. Ensure that notices are served to customers are enclosed with IoM.
een closed in the system by CPU.
all service charges
res, account shall not be opened or any service provided and consideration shall be given if the circumstances are suspicious so as to warr
ons, both domestic and international, including the results of any analysis undertaken (e.g. inquiries to establish the background and purpos
sactions, customers or accounts involve litigation or it is required by court or other competent authority
classification,
or Passport). next review date and any other details in Symbols and in Client File on receipt of the same from the branches. Moreover, CP
would then enter the required amendments in Client / Account in system
ed details from system generated report.
s. Subsequently, designated officer will attach the relevant docs and complete the requests for onward filling in separate branch wise file for
etary and / or new Board Resolution explicitly stating the removal of previous signature may be accepted by the Bank. RGM approval is requ
exure 4.1-DD) to Company Secretary after signature's deletion and copy will be retained as evidence.
A/ CAAML procedure specifying the customer address as that of mentioned in the relevant request should be attached with the customer req
the amended details in the system and sign the amendment requests as checker.
Annexure 4.1.II) and dispatch the same to the customer address. Copy of the same will be filed with the relevant documents.
M/RM on record.
should be attached with CRF. If individual wants to change in spellings copy of Passport, Domicile, Driving License, Educational certificate d
, initial, date etc. is affixed after verifying from the original document.
ed and verified in the manner required under section 58 of Partnership act 1932.
oned on CRF.
l be further checked by Supervisor/Asst Manager
d / or Assistant Manager, CPU Account Maintenance.
ccount for records
NIC/NICOP/POC/Passport etc.) whose identification document will expire in coming month and share data with ADC Ops to send SMS as r
bile numbers are either not on record or invalid
t maintenance accordingly
a) to ADC Ops.
mation report with ADC Ops.
howing the details of clients whose CNICs have expired during the preceding month.
rated by CPU on monthly basis.
attained the age of 65. AMU will update the expiry date of CNICs of all these clients for indefinite time period in the system as 01/01/6500.
ssion of renewed identification documents.
EE / Annexure 4.1-FF / Annexure 4.1-GG) will be generated and sent to the customers through approved courier service.
at CPU for record purpose.
xercise will be conducted on quarterly basis for the preceding quarter.
ng data of all active accounts.
ctive follow up with customers on annual basis with 10 days of year end
nce of customer/mandate is mandatory) along with affidavit duly signed by the mandate/ POA holder on stamp paper of appropriate value as
vetted by legal & compliance prior to accepting from customer.
in writing with signatures on E-banking Forms.
atures on SS Card and Third party mandate/POA holder. In case of difference in signature, branch will also obtain an undertaking from the M
edure by AMU
the same for completeness. In case of any discrepancy, the same will be communicated to branch via email for rectification. Documents wi
s in system.
receipt of such request AMU immediately remove / delete the signature from system and sent confirmation to branch operation.
y/request, bank shall block the account operations until an agreement / confirmation received signed by the all account holder
ve business group head (GM for -Retail/Head of CBG -South or North/Head of CIBG)
hich will be kept in safe custody with respective CRFs.
the request as per Fax Indemnity Policy before setting the same in the system.
e & other details and marked the copy as original seen. KYC of supplementary customer would also be submitted. NADRA Verisys, Negativ
scanned copy well within the cut-off timings. Branches must ensure to dispatch the original applications through approved courier services /
s current date for deduction of charges at end of day.
quest & authorize the data which are correctly fed by the user.
ocessing as per the criterion mentioned above. Branch and CPU should retain copy of the form for their record purposes
ividual/Joint/Sole proprietorship accounts only) with ADC Ops for sending of SMS to those customers whose accounts remained inactive fo
umbers and invalid mobile numbers.
a) to ADC Ops.
mation report with ADC Ops. ADC Ops will reconcile file to ensure 100% SMS forwarded to customer and share SMS forwarding confirmatio
d undelivered.
d as per provided log of ADC Ops or contact number of customer is not available in system generated report, a letter on approved format w
with ADC Ops (Individual/Joint/Sole proprietorship accounts only) to send SMS to customer on his available contact drawing his/her attenti
uppress print option in relevant fields of system on dormant account to ensure that system will not deduct minimum balance charges & stop
nce to unmark -& suppress print on accounts being reflected in above report as reactivated from dormant.
t by using appropriate transaction types through which the dormant status will remain unchanged
onfirmation received from BSM or his/her backup in case of customer initiated credit entries in accounts
hrough Seibel to AMU LHR for updating the expiry date in system. Upon receipt of the above AMU LHR will update the CNIC expiry in syste
hes and confirmation of account activation will be sent to all such customers on prescribed format.
with ADC Ops to send them SMS (Individual/Joint/Sole proprietorship accounts only).
ne time stamped, customer's signature verification done, mode of request recived mentioned, BSM's full signature affixed, amount being ex
h courier/hand delivery.
reach at CPU max by next working day?
sis to ensure that no instruction can be overlooked or duplicated in error?
ranch, with the original SI for record purpose.
om the customer account as per prevailing SOC?
ction in system?
e been processed and reconciled and filed accordingly with the scan/fax copy sent by branches?
of Respective CPU hubs?
ssed SI to be extracted from KM report.
gnature verified and 'Cancelled' stamp affixed thereon by the branch.
customer'sEnsure
account?
that AMU received original CZ-50 received forwarded by branch through IOM for their necessary updating in system.
or Mark client ' s record for zakat declaration in the system.
account opening process?
s and deposit slips are kept in sealed envelops and the number of instruments and deposit slips physically reconciled with that mentioned o
the morning of next working day clearing?
e supervisor uploaded the transactions branch wise with CQCC transaction code/ same executed through upload option in Third Party Mod
subsequently authorized by the supervisor?
debit vouchers (branch wise) through system upload option using transaction type CROC on required format on account of cheque returns
Clearing only upon receiving the returned cheques from NIFT same day?
the supervisor.
overnight clearing before the Close of next business day.
the user, supervisors /Assistant Manager of CPU, Clearing?
amount after balancing of Outward Clearing entries with NIFT clearing sheet?
ward Clearing uploaded on FBL internal portal on the same day of return of instruments?
representative of the branch?
t in a fire proof cabinet at an appropriate place?
of third party Module on Daily basis and signed by respective checker, supervisor, assistant manager/ manager on the hard copy as per ass
istant Manager CPU- Clearing supported by his/her full signature and all suspense accounts monitored on daily basis?
cept the clearing bags & inform NIFT immediately
CPU shall inform NIFT in writing or via e-mail to rectify errors
ers as per assigned limit?
for CBC, if otherwise in order.
turn all such instruments with specific reasons?
unts marked ‘whereabouts unknown/return mail’ on the basis of respective branch manager/Branch Service Manager’s approval?
xure C of PSD Circular# 03 dated 21th Sep,217 and all returned cheques will be entered in branch wise excel based cheque returned regis
tant Manager or Manager.
ng for records and any subsequent queries?
their consolidated amount and instruments placed in a sealed bag and handed over to NIFT representative?
ort and pre consolidated entries report?
d cheques carried out and all packets are stitched?
signed by Manager CPU with authorized signature number.
isor/AM CPU daily.
are posted manually?
ransactions branch wise.
n the photocopy of fake/forged instrument with the return memo to Collecting bank while keeping original in their dual custody.
Data Depository.
ptn of
theoutward collection or outward intercity clearing cheques to verify the number of cheques mentioned on the IOM
same day?
olved and send e-mail to the concerned branch by CPU?
ype CQIO by CPU / Clearing Hub branch staff. While posting the transactions, it must be ensured that posting should be done upon realiza
CPU / BSM & filed for record
g on triplicate copy of clearing schedule?
d from islamic banking Ids and vice versa?
eased of float in system?
d with returned instruments and jointly by a user and supervisor.
ter filed by designated staff of CPU, in Colloection Cheque Returned File?
ch or through upload on intranet for respective branches view on account of Outward intercity cheques returns for necessary action at their
eques to branch's rider/ branch's representative in the morning of next working day?
CPUwith
ong andauthorized
kept at apprpriate place?
signatures?
ll remedial action taken up by respective branch.
LCY Collection (for cheques drawn on cities where NIFT is unavailable)?
along with the date of realization in respective collection MIS along with recording of cheque returned details in remarks column?
cked by respective supervisor and A.M, CPU through branch/officer/BT electronic journal report?
e filed in Collection Cheque Returned File?
nch latest in the morning of next working day through branch rider / branch authorized representative after obtaining proper acknowledgeme
CPU and filed in Paid File of outward collection?
CPU and kept at apprpriate place?
y subject to determination and notification of error as per section 36 of PS & EFT act 2007.
te of receipt of complaint
agreement within three working days.
plaint for their resolution. However, the fraud related complaints shall be resolved within thirty days from the date of receipt of complaint
ks within the specified time may be referred to Chief Manager of the respective SBPBSC office
e prepared for instruments received from branches & by allotting FOBC reference number along with cheque #, amount, beneficiary name a
ments to not to select any Nostro account by leaving such field blank where instrument is deposited in PKR
pared on bank’s letter head & sent to respective drawee/corresponded bank along with original instrument in a sealed envelope. Acknowled
tial the same as a token of his/her reviews
of each and every realized instrument would be affixed along with date of payment and initials.
ges should be recovered from customer account
ut by jotting down the amount of unrealized collection cheques from COC Register which should be matched with GL
d report of third party Module to ascertain the accuracy and genuineness of the same day transactions respectively. Evidence of having don
rvice for recording.
staff (once in a week) and recorded in log book.
rveillance and recording is provided, remain switched on in the CPU during the night.
eady for use at designated place.
without written permission granted by the department Head and Head CPU jointly under intimation to the Head Security and Safety, Head C
h systems. Ask for the latest review done by ID Management Team. ID creation, deletion and addition of roles requests. Also Obtain list of s
ponsible business owners?
Head IT Security & Risk management?
sends an e-mail request for enabling the ID?
eave plan for necessary rectifications?
unt files and business correspondence retained for at least five years.
employees and approved by the competent authority.
hout break at least once during the year.
March endorsed by the Functional Head in concurrence with Head of HR.
SOPs to bank staff.
basis through reports of unclaimed pay orders / outstanding pay orders & balance thereof should be cross verified with balance appearing i
eceding month.
. within a maximum of thirty days from the date of origination.
f all transactions
am after satisfaction of transaction on case to case basis through safewatch screening system
d Increased risk countries, same would be reported by the CPU, Remittances to Treasury Front Office within the agreed timings b/w CPU &
iciary along with purpose of remittances in accordance with the outward remittance application in system (FT Module). CPU would debit cu
m KM report next day .The same to be counter signed by CPU Officer and Assistant Manager/ Manager of CPU, Remittances
ers along with respective customer’s /department application for outward remittance will be filed and kept at an appropriate place under sup
documents by designated officer/Assistant Manager of CPU, Remittances through User ID report/daily transaction report on a daily basis. A
d Remittances transactions with Nostro Activity Report to be received from Swift Operations Department, Head Office through e-mail on the
OFAC/screening queries) must be handled by CPU
the supervision of concerned Supervisor or Assistant Manager CPU, Remittances and ensure that same are kept at an appropriate place u
report
number or name etc CPU remittances should send a tracer (MT - 199/195) to the remitting bank enquiring about the relevant details under i
ediately refer the same to the Branch Manager or Branch Service Manager of respective Branch through fax or e- mail (as scanned copy) fo
redit customer as per below mentioned assigned limits) must be thoroughly checked and verified by designated officer/respective Assistan
count of home remittances shall be timely processed in accordance with SBP FE circular no. 4 dated 22.8.2009 or any other amendment ti
s carried out on account of Inward Remittances are thoroughly checked with KM report for all inward remittances received on the next work
the respective user, Assistant Manager and Manager CPU, Remittances must be carefully filed and kept at an appropriate place by the de
Remittances of below US$.10,000/= or equivalent in separate Schedule IRV on a daily basis in an accurate manner
y wise maximum 40 entries are stated in each Schedule IRV
hes by 15th of following month to update necessary customer profile form / KYC by branches
ith a copy to Treasury Back Office by Central Processing Unit (CPU), Remittances functioning under CPU only for Inward and Outward FCY
designated staff of CPU, Remittances at the end of each month would attach Form R, IRV, and Form M with Schedule S-1 for onward subm
desktop of computer by using the export option and subsequently sent through an e-mail to the concerned staff at Treasury Back Office, H
iginal forms along with relevant Schedules and covering letter to State Bank of Pakistan must ensure that clear and complete photocopies o
e Bank of Pakistan is appropriately filed along with copies of forms and relevant Schedules of particular month
NCE are entered in the IR register and message received is incomplete a telex/letter should be sent
rutinized by the designated officer or supervisor of CPU.
d and according to the AML/CFT regulations
be checked from OFAC list
STRO Activity report)
ked with bank record.
stomers, details
ndent to debit of account
our orderingthrough
customer
MT&199
purpose
whereoftracer
remittance not mentioned.
is not responded CPU,
by the remittance
remitting Bank shouldd sendworking
within seven a tracerdays
(MT 199/195) to the
from the date trar
essed by CPU, remittances without referring to the concerned branch if otherwise in order.
stomer
ng etc. for
customer etc.inward remittances
for inward ( ≥ $ of
remittances 10,000/- or equivalent
cross currency of other FCY
or conversion to respective
in PKR (≥ $ 1,000/-branches through
or equivalent) to email advisingbranches
all respective them to confirm
via em
nfirm KYC/AML/due diligence for ≥ $ 10,000/- or equivalent in other FCY supported by the scanned copy of Form “R” (Where Applicable) v
pose of remittances in an MIS duly countersigned by the respective supervisor and AM CPU.
same to BM or OM of respective branch, on the instruction of branch CPU process the transactions as proceessing the transactions will not
gallontransactions
SYMBOLS carried
only). out on account of Inward Remittances are thoroughly checked with KM report for all
ation of doing so must also beBank,
om remitting / correspondent notedrespective
on such report.
Supervisor would immediately send SWIFT message MT-199/195 to remitting / corresponde
ax on Remittances Account of respective Branch (where CPU, Remittances is located).
10,000 or equivalent in separate schedule IRV on a daily basis.
Epurpose
Return program
codes are(ITRS) on fortnightly
appropriately basis.on all such forms and exactly matched with nature of transaction and codes provided by State
mentioned
agreed timings as advised by CPU/Service Quality from time to time on the same day, such transaction would be processed by CPU, remit
h TRESmust
mation System to TMU for
be carefully confirmation
entered of exchange
by the designated rates
staff for each
of CPU, transaction
Remittances in within
system the agreed
from timings,
SWIFT and Upon
message receipt
or based upon ofinformation
required info
re
count of home remittances shall be timely processed in accordance with SBP FE circular no. 4 dated 22.8.2009, or any other amendment
y wise maximum 40 entries are stated in each Schedule IRV.
all such data in Foreign Exchange Return Program (ITRS) and ensure no operational error is made by the user
anner under the supervision of concerned Assistant Manager CPU, Remittances and ensure that same are kept at an appropriate place und
with in prescribed time period (i.e. within 72 hours, as mentioned in Circular # 14 of Foreign Exchange) and must be processed on the same
opy to be obtained.
nsfer into “Unclaimed Remittance Payable”. The Branch Manager should approve any debit transactions.
se of remittance should be obtained.
er” and also made on outstanding departmental copy.
ad duly signed by the authorized signatories along with rubber stamp should be obtained..
pecifically for Middle East countries where they do not accept wire transfers without having of IBAN.
bank & country in from Officer of Foreign Assets & Control (OFAC) List.
L team after satisfaction of transaction on case to case basis through safewatch screening system.
are clearly mentioned on the remittance application.
d and according to the AML/CFT regulations
or or Assistant Manager of CPU.
n attached format.
ntout to have the same counter signed by respective supervisor and AM of CPU.
er application should be filed and kept under supervision of AM CPU.
espective supervisor and AM CPU through User ID report on daily basis and also signed by AM CPU.
ms & Manager
ant other relevant
CPU,documents
Remittances from concerned
would Branches
immediately send would
SWIFTcross checkMT195
message the same with Outward
or MT199 FCY
to Nostro Remittances processed
/ correspondent at CPU
Bank enquiring fo
abou
f/ remittance
approved byonAssistant
Form ‘M’Manager CPU andwith
is in accordance aboe USDof15,001
nature approved
transaction by codes.
& SBP Manager CPU
gram (ITRS) on weekly basis.
e same and ensure no operational error is made by the user. Any operational error or mismatch found in the data entered in system must be
nder the supervision of concerned Supervisor or Assistant Manager CPU, Remittances and ensure that same are kept at an appropriate pla
mnet to other bank only) processed by CPU, after approval from Heads of respective department.
h telex / email on the same day .
ough Form 'R'.
ot exceed 30% of the Hajj package. As stated in EPD Circular Letter No. 07 of 2017
suffix Umrah. (F
).
reatment abroad.
ndorsed
pplicationonprocessing,
his/her/their passport..
tuition feed, living expenses etc.
direcotor, foreign exchange operations department along with justification and documentary evidence for consideration.
er wasthat
aking obtained in not
they will favour of faysal
claim bank.of dividend and,
remittance
re that the auditor’s certificate to this effect on the application is from a well-known firm of auditors.
invariably produced from the competent tax authorities.
s deducted from branches.
ctions and Remittances (indenting commmision) are being deposited in Government Treasury within the stipulated time/period. (Profit and r
after receiving confimation of unblocking from FCU.
appearing in WHT GL account.
U to authorize the branch for issuance of pay orderr.
shall intimate the total amount of FCY tax currency wise to treasury within agreed timelines.
withholding tax amount being signed by Assistant Manager and Manager CPU authorizing the branch (where CPU is located) to debit the a
y acknowledge along with computerized receipt of WHT. Further ensue that tax received stamp of SBP along with the date of receipt is pres
nt are filed date wise for record in safe custody.
f each staff.
, discuss these with concerned staff to ensure that they are aware of their duties and any changes in their responsibilities have been formal
ch has being doing the current task and assess the motivation level.
. Obtain the training records and review the appropriateness of the courses attended.
f member has read and updated.
ny mode from beneficiary acceptable).
replacing the requirement of Bill of Lading with Forwarder’s receipt, charter party bill of lading, blank back bill of lading, short form Bill of lad
icer would then prepare the LC & capture the transaction in System. LC # generated by the system and other detail will be noted on a file &
O, Head CIBG & Head CBG(regional).
ar letter No. 2, Jan09, 2018
P and all related charges / commission are debited as per bank’s schedule of charges.
sal (RA) or as required by the State Bank of Pakistan should be obtained before establish the LC.
rsed to the order of Faysal Bank Limited showing freight prepaid.
en verified by the authorized person.
t commodity, price, beneficiary and amount correspond with the particulars given on application. Also ensure that the indentor holds registra
ll regularities noted have been rectified before opening of LC.
Cs and reference of UCP 600 (currently enforce) is mentioned in LC text .
three working days.
application including amendments are entered therein and each application has been assigned unique identification number in sequential n
ekly for sight LCs and monthly for usance LCs duly signed by two signatories one of whom must be A signatory.
val prior to LC establish should be obtained. Further a report will be submit to SBP status of LCs opened on daily basis.
tion in System (if required). Thereafter, the amendment request and MT 707 will be forwarded to Desk In charge / team leader/Manager for
ous month bank
h advising designated staff will
designated staffreverse the liability
will reverse in system
the liability whichwhich
in system will subsequently be verified
will subsequently & authorized
be verified by Desk
& authorized In charge
by Desk /team/team
In-charge lead
and reversing the LC liability and swift message send to the advising bank..
spective file.
FBL’s NOC, a confirmation of other must be submitted before negotiating the rate with FBL ‘s treasury for settlement of import bills.
ck that funds are credited in the relevant NOSTRO with GOOD VALUE & no deduction. Transaction to be processed only after receipt of fun
honor
nst theclaims of the is
documents negotiating
not made banks for Bills due
until clearance forthe
from payment during the
SBP/Customs following month.
is obtained
and is approved by the departmental Head for the release of documents.
on
eskofingoods,
chargeInvoice
/ team amount, unit priceImports
leader / Manager and quantity of goods
respectively asand
per L/C no. are in conformity with that given on the L/C.
policy.
of cabinets and handed over to respective customer/BS upon settlement of PAD with mark up against proper acknowledgment.
ttlement
upon funds
or thedisbursement confirmation
lines for import from
financing are respective
not available,CAD will perform
the same will be the settlement
retired throughtransaction.
Overdue Import Bills financing at a rate advised b
he staff advise the status by SWIFT to negotiating/beneficiary’s bank & seek further disposal instructions. Documents will be returned to re
sequent submission to the SBP and a copy is retained for 3 years as per SBP requirement/checking.
mission is calculated as bank’s schedule of charges and the same has been approved by the Departmental Supervisor and the Departmenta
or import of Spare Parts & Machinery and industrial users for their own use registered as importer up to the maximum limit of US$ 10,000
goods are not received for any reason within the period of four months, the bank as well as the customer will ensure repatriation of the adva
should be obtained.
ng contract is cancelled, the bank will impose and recover a penalty @ 1% per month or part thereof on the amount of advance payment fro
statement of all such cases will be submitted to the Director, Exchange Policy Department.
SBP requirement for receipt of shipping documents within 120 days. In case of late submission of shipping documents, designated staff will
d regulation and ensure regulatory compliance regarding OFAC and CPL.
fect the payment.
by Team Leader. All Financial transactions involve any payment or commitment for amount greater than USD.0.250 Million will be duly app
vaoilation of as issued by SBP FE circular #6, 14 jul, 2018.
on open account basis shall be allowed upto USD 50,000/- or equivalent per invoice for life saving medicines and devices subject to submis
for import of raw material and spare parts for their own use only, (As required by EPD Circular Letter # 01 dated January 01, 2019).
gnatures & also ensure that the required documents as stated in SBP's F.E. Manual and circulars are enclosed therewith.
rules and regulation and ensure regulatory compliance regarding OFAC and CPL.
ormat to effect the payment. Transaction captured & SWIFT messages will be prepared and authorized as per authority.'
facturing and industrial user of raw material only. As instructions issued by SBP via FE circular no. 7 . Dated 20 Jul, 2018.
- or equivalent per invoice for import of life saving medicines & devices. However, the limit for imports against advance payment or on open
on open account basis shall be subject to submission of a certificate to the Authorized Dealer issued by the principal of a teaching hospital i
edit, provided such imports are made by air or by courier. Authorized Dealers will maintain a record of all such drafts issued by them. They w
racts/ Indent/ Purchase orders are freely importable goods .
ntract/purchase order/indent/proforma invoice, directly from the banker of the supplier abroad, Authorized Dealers have general permission
ereagainst in the
get the goods statements
cleared as per Appendices
after attachment of GD(s)V-134, V-135, V-136
with Electronic and
Import V-137.
Form.
l make payment after verifying amount of intended remittance from GD(s) attached with the respective Electronic Import Form.
at the time of registration.
ppendix V-27) by the SBP and signed by the two signatories one of whom should be of A signatory.
r latest version of URC if any. Designated Officer also ensure regulatory compliance regarding OFAC and CPL.
acceptance
ave from importer
been verified from the through Email/ FAX
list of authorized list directly or through respective BS / RM / branch.
ee exposes the bank financially, approval of relevant Credit Committee is obtained
dvised by risk or Trade Head in case of sight L/C)
ws bulletin that the ship carrying the goods has arrived at the port.
dated on a timely basis with all the relevant particulars on issuance of a guarantee.
nsure that the charges & commission recovered as per bank’s schedule of charges.
al Supervisor
ntal supervisorand
andthe Departmental
Departmental Head.
Head
n issued or AWB endorsed earlier, designated staff will retire the relevant bill by debiting margin account or remove lien mark on customer‟s
patched to customer/ concerned business services / RM / branch/trade hubs respectively keeping one Original BL with the Bank in case of
ned by the Bank and dispatch to shipping company with a covering letter for return of original guarantee instrument.
pping company or on receipt of original instrument, are the designated staff reverse the liability in systems which should be verified & author
ctive folder?.
n order to initiate action for cancellation of all those guarantees, which are outstanding for more than 30-days. This could be due to non rec
O, Head CIBG & Head CBG(regional).
te the expiry date of the bank’s obligation and the claim lodgment date as required by the SBP regulations.
y or local currency, ensure that prior approval of the SBP has been obtained.
nitialed by both the designated signatories under the stamp of the bank.
g the Guarantees issued and is being updated on a timely basis.
ommission and release of the Guarantee and the margin held against such guarantee. Commission & charges recovered as per bank’s sch
and locked overnight in a fire-proof filing cabinet.
tee issued in favor of beneficiary other than Government/ Semi Government Organization. Ensure that liability of guarantees issued in favor
n weekly basis as recommended by Manager/TL Guarantees and also cross check the same with the report available on KM?
s whose guarantees are matured?
nt, designated staff will reverse the Margin if any and contingent liability accordingly which will subsequently be verified & authorized by team
d to the customer & beneficiary and delivery confirmation copy of Courier Company must be file as proof for dispatch of call letter for origina
stampedCheck that the signature appearing on customer instruction letter is verified and duly time & date stamped.
uly signed by exporter.
s and conditions of the Letter of credit & applicable UCP (Uniform Customs & Practice), URR (Uniform Rules for Reimbursement), ISBP (In
one or e-mail of discrepancies is obtained.
documents on offering sheet accompanied by scrutiny sheet containing list of discrepancies noted and their status.
FIG for the banks having ranking over 1500.
herein which is regularly updated.
mer and ensure that the accounting entries are correctly recorded in G/L and withholding tax is properly recovered from the proceeds of neg
d of two working days and copies of all documents have been retained for the record duly microfilmed.
thin 5 working days of receipt of documents. If such advice is not received within the stipulated time, SWIFT message will be sent to the iss
payment is received the short fall has been recovered from the customer.
present rate is Rs 2/- per thousand).
ncial standing and good reputation of the buyer in case of export on firm contract on DA or TR basis.
nd accepted by the exporter.
mmission are recovered from the exporter as per the bank’s schedule of charges.
days from the shipment date.
wing documents.
the Letter of credit & applicable UCP (Uniform Customs & Practice), URR (Uniform Rules for Reimbursement), ISBP (International Standar
he documents on collection basis from respective customer. It must be ensured that discrepancies are communicated immediately after scr
Circular No. 11 of Dec 11, 2017.
Heads to the Director, Foreign Exchange Operations Department (FEOD), SBP-Banking Services Corporation (BSC), Head Office, Karachi
gainst the export
er / RTGS of sugar
Authorized is followed
Officer in the same
at CPU-T&BS shall manner as concerned
inform the defined in EPD Circular
BS / RM Letter
/ branch No.04 of about
/Customer 2019 dated: Februaryof22,
the realization 2019.
Local discounte
will be submitted in duplicate for each area separately. The outstanding export bills pertaining to each exporter
wever,
d by the statement for the month of June each year should show particulars of all overdue export bills as on 30th June.
oks during the month under report either due to realization of the proceeds or under instructions from the State ank/SBP-Banking Services
a period of two working days.
within 14 days from the shipment date.
/ follow-up should be sent to collecting bank for obtaining fate of the collection.
es or copy of Goods Declaration Form (GDF) containing the Form ‘E’ number obtain / retrieved from Pakistan Customs Computerized Syste
customer authority and reported to SBP with monthly returns.
mmission are recovered
roceeds thereagainst fromthe
within theprescribed
exporter as per In
time. thecase
bank’s schedule of charges.
of nonrealization within the prescribed period, the matter shall be reported to the F
d limit, as mentioned at (ii) above, the T&BS shall discontinue extending the above facility to the exporter
this effect will be provided by signing on a checklist.
stomer for negotiation of exchange rate with treasury.
ceeds realization certificate for onward delivery to the customer against proper acknowledgment?
me was retain in bank record.
ce payment voucher.
rized signatories.
ce shall be endorsed on the duplicate copy of advance payment voucher.
n of applicable charges.
mmission are recovered from the exporter as per the bank’s schedule of charges.
after the shipment or 21 days after the certification, a reminder should be send to the customer.
ation register?
alidation should be required and advance payment voucher should be marked with such caution, in order to avoid possibility of utilization o
ance of duplicate thereof on the basis of undertaking given by the Authorised Dealer and the word "Duplicate" will be prominently marked a
ubsequently latter should be submitted to SBP on a monthly basis, accompanied with Banks cover letter, PRC, advance payment voucher,
amp of bank. It must be ensured that returns are submitted to SBP before third of every following month for the preceding month.
schedule A – 2 / 0 – 2 along with original APV vouchers on a monthly basis.
mpute the difference amount between the booked rate and the current rate while processing necessary transaction. The difference would e
her bank, the Authorized staff may transfer it to the negotiating or collecting bank through Bank to Bank BCA transfer module in WeBOC.
ep in export file for record and FE returns purpose.
ed EFE will be detached by the Customs from the GD Form and can be reused within original validity period.
he stock will forward after the entries made in ‘E’ form issuance register with serial no.
proof cabinet overnight.
signatories duly verified by the designated officer and acknowledgment from the customer should be obtain in ‘E’ form issuance register.
a new customer for the first time.
after the shipment or 21 days after the certification, a reminder should be send to the customer.
d of their distribution to their branches and customers. For this purpose, they should maintain a Stock Register which should show branch-w
d and certified by them in respect of each exporter. In this register they should record against each form the date of submission of the expor
ed by the designated staff.
submitted to relevant authorities before due dates.
export for signing.
of the R&D support to the respected exporter within 24 hours of receipt of credit.
e same should be re-submission after rectification within the stipulated period.
once related goods have been shipped.
mers have been deposited to Government Treasury on next working day.
easury within the 72 hours from the date of deduction.
Manager Export of issuance of pay order in favour of SBP/NBP. The same should be deposited in SBP/NBP along with tax challan against p
tment and submit the same before 10th of each month to respective income tax department.
nts are kept in fire proof cabinet under dual custody of senior staff.
fficers in fire proof cabinet and their backups are senior staff of the department.
e by any unauthorized person.
ame are submitted in time.
system
hose and cross
records with all
for longer the source
period documents / relate
where transactions vouchers posted in
to litigation or the
aresystem and
required by such checking
the Court verification
of law or by any will also
other be endorsed
competent the re
authority.
al of functional head.
y varies from the description declared on EIF/MIF, EFE/MEF or underlying contract.
the invoice.
ds – for example perishable goods are traded on terms involving lengthy usance period.
SWIFT message.
gular business activities.
er’s regular business activities.
conomic or logistical reason.
undering activities.
connection with the transaction.
the transaction.
g the true parties involved.
shipped, such as semiconductor manufacturing equipment being shipped to a country that has no electronics industry.
ainst the regularity instructions or against normal business scenarios.
not mentioned at all to conceal the facts.
made to a third country.
ness from that of exporter.
eir customers updated. However, timeline of this review shall not go beyond three years in any case?
n publicly available lists of “denied persons” or has a history of export control contraventions.
h end-user’s business profile
stated end-user
lization or displays other shell company indicators).
ded/ retained by the branch. Further Bio Metrics is also required for Mandate and signatory addition in existing account
he receipt acknowledgement of same is obtained on CRF and welcome letter.
ust be signed by BM & will keep in branch record even if NIL.
hem at least as “Neutral” or otherwise IR or PEP as per the account activity vis-a-vis customer profile and maintain separate file after updat
RM/BM on the report as an evidence of their review.
fication accordingly. For customers living abroad, in order to activate, customer shall sign activation request and get the request and CNIC/N
with the activation form as evidence to done the same.
of company accounts)
cord purpose.
ustody of Branch Service Manager. All certificates relating to each pensioner should be clipped together. Respective BSM would be respons
age Certificate
t opening file. on timely basis. Branches will conduct follow ups on weekly basis.
branch
d till theintimate the personally
pensioner same to the pension authority
approaches through
the branch a letter asthe
and presents required.
dormant activation request. Further, pension will be ceased to be cre
ion certificate / instruction received from accounts office.
nts Office. All other formalities of opening pensioner’s accounts will be observed.
order along with covering letter & detailed statement. It is clearly mentioned that funds to be onward credited into “Major Object C02 Recei
unds were received). The frequency of this exercise is on monthly basis. ROMs are also advised to keep receiving copies of letters submitte
w, biannually in April and October every year (BC&CPD Circular Letter No 03 dated 18-05-2017)
ccount held at own and other branches.
& update of expired CNIC/NICOPs through their personal contact numbers / upon branch visit for obtaining of valid CNIC/NICOP. Evidence
e having zero balances & inoperative for the last three months.
m balance requirement for saving & current accounts.
fresh required documentation as per the account opening procedure to be obtained
is age of majority
er identification. In case of PO issuance, PO will be issued in favor of the Minor who has turned Major.
for onward submission to AMU.
s signature must be verified against those on record & notification to this effect will be provided by stamping & signing the request.
h (denomination wise) in vault cash register and affix their signature jointly and then Jointly re-lock safe and strong room.
he care of two bank employees (excluding contractual staff).
02. Annexure 4.5.K will be referred for procedural details.
ories registered with SBP/NBP.
s and photo identity must be ascertained from the list of Security Company’s authorized employees as per the bank’s record.
wed by SBP/NBP for deposit will be noted.
eer bank) will be prepared highlighting the denomination and type of cash (soiled / sorted etc.) to be surrendered & submitted to respective
h stamp should be affixed.
ad office for compilation and record keeping.
exempted from this condition
was not displayed non compliance of SBP notification IDD/1425/2(18) A-2014 of September 2014.
dvice to respective Head of Operation on the following day.
ault register.
ncement of shut period. (PBD / U-1-(A) GA / 6967 / 132 / 2011);
stomer slip must be handed over after affixing 'CASH RECEIVED STAMP’ duly signed by BSO& BSM/BM/Head BSO
x “Transaction Posted” stamp.
nducting transaction on behalf of an account holder. But where transaction amount exceeds Rs. 100,000/- the name and CNIC number shal
P. Same practice should be followed for lesser amount of cheque in case of any doubt. Recorded lines where available must be used for th
ustomer) of (name of company) at (time) on (date).
ns. CBC for remittances will be sought as per limits defined in SOP. Documents are only being sought where deemed necessary to meet re
n or in multiple operations that appear to be linked?
ransaction on behalf of an account holder?
ifferent type of records
fer transactions in beneficiary pensioner account.
restraint of dormant/ WAU?
of authorized representative also obtained.
later than 72 hours from the date of receipt of such cheques in the bank? (BPD Circular Letter No. 22 dated August 10, 2002)
ys respectively.
e of payment is fee etc.).
y should be obtained on company letterhead.
strument whichever is less.
, name of beneficiary, amount, purpose and drawee branch, issuing branch, Draft purchaser name & address ) for processing of MT 110 at
n approval of BSM.
with balance appearing in GL.
ount maintenance screen. Signatures & picture attached to specific locker by the branch for purpose to refer for verification at the time of op
Register etc.).
nd reason for change.
perations and if all lockers are occupied then force break open process will be initiated with the approval of Head Retail / Head operations.
on the approved panel of the Bank besides the Branch Service Manager of respective branch.
branch does not have any discrepancy.
elivery officer.
riginal seen under the name, initial, date etc. by the designated delivery officer. Further the same will also be matched with physical appear
ept in the nearest other bank branch locker in a sealed envelope under joint custody.
r record purpose like letter copy, related identification documents and courier receipt.
cribed period after proper verification.
e returned to card holder in any case.
mer and a declaration to this effect written and signed by customer (if individual /proprietor then on plain paper and if business account then
nd process at their end after obtaining the approval from ROM & RGM both.
o processing. In such exceptional requests require specific approval of RGM & ROM with the recommendation of BM/BSM after confirming
the parent branch to collect cheque book.
d through customer’s representative (instead of the customer personally) the name and CNIC of the person submitting the request must be
copy/requisition slip/ letters.
esting his specimen signatures.
Manager or in his absence Relationship Managers only may personally deliver the cheque book to customer subject to Regional Manager
ablished then in such cases cheque book can be delivered to representative upon written approval of concerned branch manager. In such c
n written approval of concerned branch manager. In such cases, respective BSM / SBSO would send an e-mail to CIC in which requesting
yment restraint (SCI) marked in system previous day.
dated May 09, 2013)
BSM/SBSO, and filed accordingly.
In such cases where customer was maintaining more than one account with bank, status of all such accounts should also be changed to d
enance for unmarking of service charges etc.
ss by the concerned staff.
n behalf of another branch?
oned on CNIC copy.
evailing in current SoC will be recovered from customer’s account.
Missions, Embassies/High Commissions and any other relevant office for visa purposes of Students Applying for Foreign Education? (BPR
Circular No. 06 of 2010 dated May 17, 2010)
lar No. 06 of 2010 dated May 17, 2010)
d with balance appearing in GL.
on the written request and verify customer signatures.
ze Hasna for marriage, and forward cover fee, shall not be classified as Suspense Account and may be recorded in their respective head of
t numbers must be immediately updated in the list in case of any change
outside the branch during the night.
opering on holidays.
(SIR) on the prescribed form (Annexure-VI) and record of all serially numbered and dated SIRs shall be maintained at the branch.
e taken from them.
on the same branch after two months.
rise check be maintained with the branch for audit trail with the detail of Security Guard Company Supervisor.
branch during the night.
mation to the Head Security and Safety, Head Centralized Ops and the security company.
requests. Also Obtain list of staff turnover during the audit period.
by taking Privilege/Annual Leave
r and convey him T&C for Asaan account. Notice to this effect will be pasted on notice board in branches
such currency notes. (SBP notification IDD/1425/2(18) A-2014 of September 2014)
or pensiners/senior citizens//special persons (In terms of BC & CPD Circular Letter No. 02 dated 1st June 2016, BC & CPD Circular Letter
eived by 12:00pm the same will be returned to NIFT / SBP. BM or Regional Manager is required to make Call back confirmation and review
CPU. In case confirmation not received from any branch within 30 minutes, CPU will post the cheque in system, if otherwise in order
excel based cheque returned register.
jointly by CPU officer along with Assistant Manager or Supervisor of CPU.
dentify the difference.
e to cheque returned after clearing hours.
ing bank over phone to hold funds in beneficiary’s account to avoid any possible losses.
signature number.
on threshold of amount while processing through upload)
ount of cheque returns for outward clearing with CQCR transaction code and execute the same through upload option in Third Party Modul
ual postings are authorized by CPU supervisor as per transaction limits.
struments.
Moreover, all suspense accounts must be monitored on daily basis.
h courier/by hand delivery to representative of the branch.
h net USD Clearing amount .The same will be reported to Treasury (TBO/TFO) on date of processing i.e. on Mondays and Thursdays via em
ame will be filed for record purpose.
provided by SBP. (i.e. details of beneficiaries, remittance amount, remittance key, mode of payment etc).
nce. Exact Match transaction will be reported to AML team as per CAAML Procedures and the transaction will be Rejected.
re. And the same shall be communicated to respective Exchange Companies / Foreign Banks by CMO.
n. Transaction should not be stopped to avoid tipping off to customer that an internal investigation is under process.
ML Team as internal STR immediately after processing of the transaction. Transaction should not be stopped to avoid tipping off to custome
Rs. 100,000 & above, beneficiary details, call back confirmation where required as per threshold defined in SOP and funds are availble in cu
0 & above, beneficiary details, call back confirmation where required as per threshold defined in SOP.
hority obtained.
Rs. 100,000 & above, beneficiary details, CBC etc where required as per threshold defined in SOP and funds are availble in customer acco
e customers.
needs to be re-validated.
es and kept in fire proof cabinet under dual custody at the end of each day
sury also be reported with the same amount
s respectively.
including investments of Rs 150,000/- and below since after 1/7/2013
and print out of excel based record on fortnightly basis will be maintained duly signed by concerned officers and supervisor/manager.
omer application.
Branch Manager or Branch Service Manager of concerned Branch on the same day of issuance of certificates or latest by the next working
cerned Branch / authorized representative of concerned Branch (based upon production of authority letter signed by two authorized signato
es and kept in fire proof cabinet under dual custody at the end of each day. At the end of day total amount entered in the sale statement mu
P Cheque by debiting DSC/SSC Sale Account. Treasury will also be reported with the same amount.
ger of respective Branch mentioning the specific reasons for returning the issuance application.
of deceased customer.
rements. Test formalities including copy of FIR were obtained for value exceeding Rs 10,000, an application mentioning reason of loss, pr
BM/BSM also held in record.
ms, same will be processed upon receipt of credit advice accordingly.
on back of instrument matches with the signature on the face of the instrument and care in case of unpaid profit coupon were observed.
etained in record file of tranferor.
espective branch.
rix, but the KYC/CDD measures including the documents for such person will be done exactly like an account opening.
me have been verified by the authorized signatory of branch. Test in case of TDR request favoring company account, application bears Com
t contain any restraint such as Dormant, or Where about Unknown (WAU) etc. and sufficient balance is available in respective account to pr
mpression verified and must confirm customer in presence (CIP).
e maintained accordingly. CPU TDR shall also inform details of all returned TDR advices to concerned branch BSM to follow whereabouts
cate” by branch before delivered to customer.
mail/scanned copy) before one day or maximum on the same day from the date of renewal/rollover followed by original instructions through a
ough courier or by hand delivery on the same day.
duly verified by the authorized signatory of the Bank at Branch level. (BSM/SBSO)
mail along with settlement instruction for pre mature encashment
quivalent to TDR amount and same the confirmed to CAD via email by CPU TDR
ll be marked as IR.
with relevant CRF and maintain Proof of Dispatch for record purpose. & entry to this effect will be recorded in outward mail register/MIS wou
er or backup officer of Account maintenance would first cross verify the customer's address from source document & if found correct immed
tomer's signaturere(s). After putting a notation to this effect on the returned letter of thanks it will be filed with respective Branch CRF?
are Letter of Thanks with updated / new address and send the same at custtomer's updated/ new address through approved courier servic
documents and duly signed Account opening reports in chronological order on daily basis under the supervision of Assistant Manager or des
anch, copies of required CRF, Specimen Signature Cards (where applicable) and relevant documents would be provided to the concerned
hing of LOT at customer given address & all hold mail cases will be marked as Increased Risk
te" & valid up to date as "age of majority" will update in system in MINOR category. (NM).
inor Account if Guardian Client is eligible for Zakat). After attaining the age of majority the status required updating in the system as per exi
count will be blocked after six months the minor attains his age of majority. The second reminder (Annexure 4.11.D) will be sent when the m
re 4.11.E) on the account holder's corresponding address appearing in Bank's records and file a copy in bank's record.
from the date the minor attains majority.
n of the required certificate.
age Certificate to the bank or pensioner fails to draw pension for consecutive six months
ustomers on timely basis.
pped/restored Pension discontinued Pension amended
s or by hand delivery to CPU, Account Maintenance for further processing.
would be intimated to the respective branches for resolution. After satisfaction, designated officer will time stamp the account closing applic
h transaction will be deducted (where applicable).
nd Assistant Manager CPU, Account Maintenance.
ed with the CRF) and system generated reports in chronological order.
ces are suspicious so as to warrant the filing of an STR.
blish the background and purpose of complex, unusual large transactions) for a minimum period of ten years from completion of the transac
om the branches. Moreover, CPU will ensure data completeness/ accuracy in details of customer (Name, DOB, Addresses) and cross clien
g in separate branch wise file for record.
the Bank. RGM approval is required for change in signature. However, Authorized signatories can sign requests for change in details of ac
e attached with the customer request / Change in Detail Format.
evant documents.
License, Educational certificate duly marked original seen would be required.
with ADC Ops to send SMS as reminder for submission of renewed identification documents
d in the system as 01/01/6500.
ourier service.
mp paper of appropriate value as per provincial law (annexure 4.1-CC(i) & (ii))
obtain an undertaking from the Mandate/POA holder. Further, process of due diligence is conducted as defined in account opening process
il for rectification. Documents will not be returned if the discrepancy can be rectified without returning the documents.
to branch operation.
all account holder
bmitted. NADRA Verisys, Negative check list and anti-money laundering measures would also be followed for supplementary card holder by
ugh approved courier services / branch riders on the same or very next day.
ord purposes
se accounts remained inactive for the last eleven months (five months in case of pensioner category accounts)
hare SMS forwarding confirmation report with CPU.
rt, a letter on approved format will be sent to customers on his/her available correspondence address.
e contact drawing his/her attention that the account has been inactive for last 1 year & classified as dormant.
minimum balance charges & stop generation of statement of account on next cycle date.
l update the CNIC expiry in system accordingly.
nature affixed, amount being expressed in words & figures, call back performed by BSM/SBSO?
cessary updating in system.
reconciled with that mentioned on branch’s IoM and subsequently affixed receiving stamp (with date and time) on the IoM to acknowledge
upload option in Third Party Module of SYMBOLS 8.5?
at on account of cheque returns for outward clearing under Third Party Module of SYMBOLS 8.5. In case of rejection by the system due to
ager on the hard copy as per assigned limits.
daily basis?
e Manager’s approval?
xcel based cheque returned register.
n their dual custody.
ing should be done upon realization of intercity instruments.
urns for necessary action at their end
s in remarks column?
btaining proper acknowledgement?
e date of receipt of complaint
ue #, amount, beneficiary name and reimbursement instruction (FBL correspondent bank detail) where fund will be credited by drawee bank
n a sealed envelope. Acknowledgment of the receiving officer of GSD should be obtained on the copy of covering letter for record purpose
ectively. Evidence of having done so will be provided by signing respective checker, supervisor, assistant manager/ manager on the hard co
ead Security and Safety, Head Centralized Ops and the security company.
es requests. Also Obtain list of staff turnover during the audit period.
verified with balance appearing in GL.
n the agreed timings b/w CPU & Treasury
FT Module). CPU would debit customer account & credit respective settlement account
CPU, Remittances
an appropriate place under supervision of respective Supervisor or Assistant Manager of CPU, Remittances
saction report on a daily basis. A confirmation of having done so must also be noted on the report by designated officer/Assistant Manager C
ead Office through e-mail on the next working day of execution of each transaction.
e kept at an appropriate place under lock and key at the end of each working day
about the relevant details under intimation to the Branch Manager and Branch Service Manager of respective Branch.
x or e- mail (as scanned copy) for information and required action
nated officer/respective Assistant Manager/Manager CPU, Remittances through User ID report/daily transaction report. A confirmation of ha
2009 or any other amendment time to time
ances received on the next working day to avoid any possible duplication. A confirmation of doing so must also be noted on such repor
t an appropriate place by the designated staff of CPU, Remittances
only for Inward and Outward FCY Remittances (MT 103) processed by CPU during the preceding month on behalf of Pan Pakistan Branche
h Schedule S-1 for onward submission to State Bank of Pakistan
staff at Treasury Back Office, Head Office within banking hours latest by 3 rd of every month, or earlier if 3 rd happens to be a holiday
lear and complete photocopies of all forms along with relevant Schedules and covering letter are made and appropriately retained in a box
nd a tracerdays
n working (MT 199/195) to the
from the date remitting
tracer bank.
is sent by CPU, Remittances.
ho email advisingbranches
all respective them to confirm that
via email the amount
advising them of
to inward is in with
coordinate accordance with
customer forthe customer
exchange profile
rate form/KYC with
by negotiating of beneficiary with
Treasury and the puto
confirm
of Form “R” (Where Applicable) via email duly signed by the customer or signed by BM/BSM/BSO (on behalf of customer in case where cus
ceessing the transactions will not change the restraint status of account.
9/195 to remitting / correspondent Bank to confirm the credit that is appearing in Nostro activity report but its SWIFT MT-103 is not received
ion and codes provided by State Bank of Pakistan.
ould be processed by CPU, remittances on the next working day subject to receipt of the required information and treasury rates from the Br
and
age Upon receipt
or based upon ofinformation
required information from respective
received from Treasury, respective officer / Assistant
Branch (Description Manager
field). These would
details are cross
to be check
utilizedthe
to SWIFT 103 / 202 mess
attend subsequent pos
2009, or any other amendment time to time. (F.E. Circular No. 16 dated December 17, 2018, FE (EPD) Cir Let Nos 15&16 of 2019 )
kept at an appropriate place under lock and key at the end of each working day.
must be processed on the same day.
emittances processed
rrespondent at CPU
Bank enquiring for completeness.
about the missing transaction.
e data entered in system must be appropriately handled and rectified;
me are kept at an appropriate place under lock and key at the end of each workingday.
onsideration.
pulated time/period. (Profit and remittances on Monday & on cash withdrawal on Tuesday due to back value deduction).
re CPU is located) to debit the amount and issue a pay order.
ng with the date of receipt is present on the challans.
esponsibilities have been formally noted to them. The job descriptions should also state any other duties that may have to be performed to
bill of lading, short form Bill of lading, all discrepancies acceptable except unit price and quantity or advance payment clause on presentatio
her detail will be noted on a file & all relevant papers pertinent to the LC will be put in the file and forwarded to Desk In charge / team leader
e that the indentor holds registration of the EPB.
ntification number in sequential number.
daily basis.
harge / team leader/Manager for verification/authorization of transaction in System.
ed by Desk
horized In charge
by Desk /team/team
In-charge leader/ Manager
leader/ Imports
Manager as perasauthority.
Imports However, liability of LC will not be reversed if some matter pertain wit
per authority.
ettlement of import bills.
rocessed only after receipt of funds/or approval from CRMU and FIG.
on the L/C.
er acknowledgment.
Bills financing at a rate advised by RM/Unit Head.
Documents will be returned to remitting bank if no alternate course of action is advised by the remitting bank. (in case of any exception for
Supervisor and the Departmental Head.
e maximum limit of US$ 10,000
ill ensure repatriation of the advance payment backe.
amount of advance payment from the date of remittance till date of repatriation of advance payment.
documents, designated staff will recover the penalty and act as per SBP regulations.
SD.0.250 Million will be duly approved from Manager(s).
s and devices subject to submission of a certificate to the Authorized Dealer issued by the principal of a teaching hospital in public sector o
dated January 01, 2019).
sed therewith.
per authority.'
d 20 Jul, 2018.
st advance payment or on open account basis for essential medicines and devices shall remain the same i.e. USD 10,000 per invoice EPD
principal of a teaching hospital in public sector or head of a Government specialized hospital, instead of a certificate issued by the respecti
ch drafts issued by them. They will also obtain Exchange Control copy of Bill of Entry and evidence to the effect that the import was made b
Dealers have general permission to make such remittances thereagainst.
tronic Import Form.
remove lien mark on customer‟s account after redemption of shipping guarantee followed by send a call letter to respective shipping comp
inal BL with the Bank in case of shipment by sea.
which should be verified & authorized by desk incharge / team leader or manager imports respectively as per authority.
ys. This could be due to non receipt of shipping documents or delay on the part of the shipping companies despite having submitted the ori
ges recovered as per bank’s schedule.
lity of guarantees issued in favor of Government/Semi Government Organization is reversed under legal advise.
t available on KM?
be verified & authorized by team leader / manager guarantees.
r dispatch of call letter for original guarantee instrument.
es for Reimbursement), ISBP (International Standard Banking Practice), SBP F.E manual rules and regulation and ensure regulatory compli
overed from the proceeds of negotiation.
T message will be sent to the issuing bank within 15 days from the date of dispatch of documents for authenticated acceptance.
ent), ISBP (International Standard Banking Practice), SBP F.E manual rules and regulation and ensure regulatory compliance regarding OF
municated immediately after scrutiny.
on (BSC), Head Office, Karachi for approval along with the attested / authenticated copies of the documents as mentioned in the section 2a
dated: Februaryof22,
he realization 2019.
Local discounted bill and demand draft/pay order will be lodged in clearing in designated account. Upon receipt of fate in t
orter
on 30th June.
tate ank/SBP-Banking Services Corporation
an Customs Computerized System (PACCS) as a proof of customs verification. Further the same also certified by the bank officer with the d
matter shall be reported to the Foreign Exchange Operations Department, SBP-BSC as per applicable instructions.
o avoid possibility of utilization of such payment.
te" will be prominently marked at the top of such certificates
RC, advance payment voucher, commercial invoice and Airway Bill (AWB) / Bill Lading.
r the preceding month.
nsaction. The difference would either be positive or negative. (Recoverable from customer or payable to customer by CPU Centralized Ope
A transfer module in WeBOC.
d.
n in ‘E’ form issuance register.
ster which should show branch-wise distribution of the export forms. It is the responsibility of the Head Offices to keep their branches adequ
date of submission of the export documents
P along with tax challan against proper acknowledgment.
yation
any will
otheralso be endorsed
competent the reported by two authorized signatories of the department / Branch.
authority.
ics industry.
ting account
maintain separate file after updating their comments thereon.
t and get the request and CNIC/NICOP/Passport copy verified from Pakistani Consulate/ embassy and courier the same to parent branch fo
spective BSM would be responsible to submit endorsed copy of valid life / non- marriage certificates obtained from pensioners to AMU for th
pension will be ceased to be credited to the pensioner's account.
ed into “Major Object C02 Receipts from Civil Administration and other functions.
ceiving copies of letters submitted to their respective AGPR offices as evidence. Branches are instructed not to activate such accounts thro
of valid CNIC/NICOP. Evidence of follow-ups & update should be maintained in shape of MIS (Excel) for record purpose.
g & signing the request.
d strong room.
he bank’s record.
dered & submitted to respective branch.
he name and CNIC number shall be captured in system and made accessible along with transaction details at beneficiary’s branch.
ere available must be used for this purpose.
re deemed necessary to meet regulatory requirements (to comply AML CFT regulations for EDD/ FE Manual) Documents may not be requir
ed August 10, 2002)
ss ) for processing of MT 110 at CPU - CMO South.
r for verification at the time of operation.
Head Retail / Head operations. Once approval obtained, case will be referred to in-house legal advisor for serving the legal notice to custom
be matched with physical appearance of the customer.
er and if business account then on company letterhead) is obtained and all such requests also require specific approval of BM/OM after co
tion of BM/BSM after confirming the genuineness of the customer/request.
submitting the request must be obtained and noted on the reverse of the request by receiving officer.
mer subject to Regional Manager approval followed by prompt delivery of customer’s acknowledgement on requisition slip to the cheque boo
rned branch manager. In such cases, respective BSM / SBSO would send an e-mail to CIC in which requesting for outbound call to custom
-mail to CIC in which requesting for outbound call to customer for verification of customer credentials and activation of cheque book. Conce
nts should also be changed to deceased.
ng for Foreign Education? (BPRD Circular No. 06 of 2010 dated May 17, 2010)
orded in their respective head of account under other assets and the above instructions shall not be applicable to these items.(BPRD Circu
intained at the branch.
2016, BC & CPD Circular Letter No. 02 dated 4th December 2015 and BC & CPD Circular Letter No. 02 dated 13th February 2014 and BC
all back confirmation and review signatures on BSM’s station and inform CPU via e-mail to process the same based on customer request.
stem, if otherwise in order
load option in Third Party Module of SYMBOLS 8.5.
Mondays and Thursdays via email by CPU.
will be Rejected.
ed to avoid tipping off to customer that an internal investigation is under process.
SOP and funds are availble in customer account.
ds are availble in customer account.
s and supervisor/manager.
tes or latest by the next working day. CPU must also ensure to obtain acknowledgement from Branch Manager or Branch Service Manager
igned by two authorized signatories.
entered in the sale statement must match with the balance lying in SSC / DSC sale account. Designated supervisor must verify the same on
on mentioning reason of loss, prescribed fee for duplicate issuance and indemnity bond of Value Rs 50/.
profit coupon were observed.
unt opening.
y account, application bears Company Stamp.
ilable in respective account to process issuance of Term Deposit.
nch BSM to follow whereabouts unknown marking process accordingly.
by original instructions through approved courier services or by hand deliver.
n outward mail register/MIS would be maintaine?
cument & if found correct immediately mark the restraint ''Whereabouts Unknown'' with the notation LoT returned? Ensure that if address i
h respective Branch CRF?
through approved courier services. Meanwhile 'WhereAbouts Unknown' status updates with a forward date of 5 working days which will be
sion of Assistant Manager or designated backup Account Maintenance.
d be provided to the concerned Branch under acknowledgement.
pdating in the system as per existing procedures by CPU.
e 4.11.D) will be sent when the minor attains the age of majority. Copy of these letters will be kept for records.
nk's record.
stamp the account closing application.
rs from completion of the transaction
DOB, Addresses) and cross clients (Jointees, Mandate, Directors, Signatories, etc) are captured in Ad-hoc screens in Symbols to ensure effe
uests for change in details of account such as telephone number, address on letter head.
ined in account opening process & Branch will retain the copies of the above documents (if required) and courier the originals to CPU for ca
or supplementary card holder by AMU.
me) on the IoM to acknowledge the same?
f rejection by the system due to WAU/restrain marked earlier, then manual transaction will be processed through transaction type CQCR.
will be credited by drawee bank
vering letter for record purpose
manager/ manager on the hard copy as per assigned limits. This must be, without exception, performed daily & branch wise deposit slips / vo
nated officer/Assistant Manager CPU, Remittances supported by his/her full signatures
ction report. A confirmation of having done so will also be noted on said report supported with full signature.
also be noted on such repor
behalf of Pan Pakistan Branches
rd happens to be a holiday
d appropriately retained in a box file at a secured place
KYC of beneficiary
ting with with
Treasury and the purpose
confirm to CPUof such remittance
Remittance along
along with with AML
purpose checked.
of such remittance & Form ‘R’ (where required).
f of customer in case where customer is not available) clearly mentioning purpose of remittance along with all required details within the sho
s SWIFT MT-103 is not received by CPU, Remittances. On case to case basis upon customer/branch request, in case of reply through auth
on and treasury rates from the Branch.
check
utilizedthe SWIFTsubsequent
to attend 103 / 202 messages with received
possible queries information
from Branches, from concerned
Internal Branches
/ SBP Inspection and If found team.
or Compliance in order, the same would be forward
Let Nos 15&16 of 2019 )
e deduction).
at may have to be performed to replace staff that may be absent or on leave.
e payment clause on presentation of invoice/draft without shipping documents etc. CPU - TRADE/respective trade hubs will raise a request
to Desk In charge / team leader along-with the SWIFT message for checking the MT 700 message against the application and verification/a
versed if some matter pertain with LC are outstanding or issued on behalf of government agencies with the consent of Manager Import.
nk. (in case of any exception for holding documents for more than 60-day regional business head approval will be required only with consen
aching hospital in public sector or head of a Government specialized hospital, confirming that the medicines/devices/instruments being impo
.e. USD 10,000 per invoice EPD Circular Letter No. 15 dated: Sep14, 2018.
certificate issued by the respective provincial health department, confirming that the medicines/devices/instruments being imported fall unde
ffect that the import was made by air/courier. These records will be retained till the next inspection of the concerned bank branch by the Sta
tter to respective shipping company for return of original instrument in case of sight LC,TPC shall advise the maturity date to negotiating ba
despite having submitted the original bills of lading to them for returning of the shipping guarantee.
on and ensure regulatory compliance regarding OFAC and CPL.
nticated acceptance.
ulatory compliance regarding OFAC and CPL .
s as mentioned in the section 2a of the circular as per EPD Circular Letter No. 20 dated: October 30, 2018.
account. Upon receipt of fate in the designated account, Authorized Officer will settle the respective bill by capturing the relevant transaction
ed by the bank officer with the date of certification.
stomer by CPU Centralized Operations-T&BS).
ces to keep their branches adequately stocked with the export forms
rier the same to parent branch for signature verification. Customer on request may inform of any upcoming transaction in the account.
ed from pensioners to AMU for their record. In case of personnel presence, the BM / RM may personally verify the pensioner's existence.
ot to activate such accounts through override / password instead liaise with AMU for activation.
ecord purpose.
s at beneficiary’s branch.
al) Documents may not be required in case of BM/RGM satisfaction of the transaction.
serving the legal notice to customers’.
cific approval of BM/OM after confirming the genuineness of the customer/request.
requisition slip to the cheque book delivery officer. In such cases, customer needs to call at CIC for activation of cheque book.
sting for outbound call to customer for verification of customer credentials and activation of cheque book. Concerned branch is required to
ctivation of cheque book. Concerned branch is required to file such mail along with the cheque book requisition slip for further record.
able to these items.(BPRD Circular NO 06 of 2014 Prudential regulation for corporate/commercial banking, Regulation 003)
ated 13th February 2014 and BC&CPD Circular Letter No. 01 of March 16, 2018.
me based on customer request.
ager or Branch Service Manager to this effect via email.
pervisor must verify the same on daily basis.
turned? Ensure that if address is correct as per document and Letter of Thanks is returned/undelivered two times by courier services. conc
of 5 working days which will be automatically removed in case LoT is delivered?
creens in Symbols to ensure effective and accurate screening
ourier the originals to CPU for capturing the Mandatee/POA holder details in the system.
ough transaction type CQCR.
y & branch wise deposit slips / voucher bundles will be prepared and stitched by CPU- Clearing and kept in a fire proof cabinet at an approp
. Assistant Manager -- > up to USD 25,000.00 (or equivalent)
e required).
all required details within the shortest possible time when the email is sent by CPU, Remittances.
est, in case of reply through authenticated SWIFT message is not received within 3 working days from remitting bank, necessary approval t
order, the same would be forwarded by Supervisor to the designated officers for further processing in system.
e trade hubs will raise a request through RM/BS for necessary approval from respective Regional Risk and Business Heads along with Hea
the application and verification/authorization of transaction in SWIFT system and in Symbols.
consent of Manager Import.
will be required only with consent of Trade Head) .
/devices/instruments being imported fall under the life-saving/essential category EPD Circular Letter No. 15 dated: Sep14, 2018.
ruments being imported fall under the life-saving/essential category EPD Circular Letter No. 15 dated: Sep14, 2018.
ncerned bank branch by the State Bank’s Inspectors. (FE Circular No 15 dated 15-08-2003)
e maturity date to negotiating bank in case of Usance LC.
apturing the relevant transaction in the system which will subsequently be verified & authorized by Supervisor / Manager.
transaction in the account.
erify the pensioner's existence.
on of cheque book.
Concerned branch is required to file such mail along with the cheque book requisition slip for further record.
sition slip for further record.
Regulation 003)
o times by courier services. concerned Assistant Manager or backup officer of Account maintenance immediately mark the restraint ''Wherea
a fire proof cabinet at an appropriate place
nt) Manager/Sr.Manager > USD 25,001.00 (or equivalent) and above
tting bank, necessary approval to apply funds will be required from regional head operations/General Manager/regional heads corporate/co
Business Heads along with Head Trade /Unit Manager to insert requested clauses. However, if advance payment is backed by 105% equiv
5 dated: Sep14, 2018.
sor / Manager.
iately mark the restraint ''Whereabouts Unknown'' with the notation (LOT) returned and after that Pakistan Post Office services should be us
ager/regional heads corporate/commercial subject to comply with all AML/KYC/regulatory requirement.
ayment is backed by 105% equivalent cash margin than only approval from respective Regional Business Heads along with Head Trade /Un
Post Office services should be used for dispatching of LOTs for the customers residing in remote areas.
Heads along with Head Trade /Unit Manager will be required.
ID Select Test Process Name Risk Name
P1.R1.C1.T1.S1 P1.R1.C1.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C2.T1.S1 P1.R1.C2.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C3.T1.S1 P1.R1.C3.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C4.T1.S1 P1.R1.C4.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C5.T1.S1 P1.R1.C5.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C6.T1.S1 P1.R1.C6.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C7.T1.S1 P1.R1.C7.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C8.T1.S1 P1.R1.C8.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C9.T1.S1 P1.R1.C9.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C10.T1.S1P1.R1.C10.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C11.T1.S1 P1.R1.C11.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C12.T1.S1P1.R1.C12.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C13.T1.S1P1.R1.C13.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C14.T1.S1P1.R1.C14.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C15.T1.S1P1.R1.C15.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C16.T1.S1P1.R1.C16.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C17.T1.S1P1.R1.C17.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C18.T1.S1P1.R1.C18.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C19.T1.S1P1.R1.C19.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C20.T1.S1P1.R1.C20.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C21.T1.S1P1.R1.C21.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C22.T1.S1P1.R1.C22.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C23.T1.S1P1.R1.C23.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C24.T1.S1P1.R1.C24.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C25.T1.S1P1.R1.C25.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C26.T1.S1P1.R1.C26.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C27.T1.S1P1.R1.C27.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C28.T1.S1P1.R1.C28.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C29.T1.S1P1.R1.C29.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C30.T1.S1P1.R1.C30.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C31.T1.S1P1.R1.C31.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C32.T1.S1P1.R1.C32.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C33.T1.S1P1.R1.C33.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C34.T1.S1P1.R1.C34.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C35.T1.S1P1.R1.C35.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C36.T1.S1P1.R1.C36.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C37.T1.S1P1.R1.C37.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C38.T1.S1P1.R1.C38.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C39.T1.S1P1.R1.C39.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C40.T1.S1P1.R1.C40.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C41.T1.S1P1.R1.C41.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C42.T1.S1P1.R1.C42.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C43.T1.S1P1.R1.C43.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C44.T1.S1P1.R1.C44.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C45.T1.S1P1.R1.C45.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C46.T1.S1P1.R1.C46.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R1.C47.T1.S1P1.R1.C47.T1 Account Maintenance, CAAML & CDD Breach of banks’ policies or regulatory
P1.R2.C1.T1.S1 P1.R2.C1.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C2.T1.S1 P1.R2.C2.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C3.T1.S1 P1.R2.C3.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C4.T1.S1 P1.R2.C4.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C5.T1.S1 P1.R2.C5.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C6.T1.S1 P1.R2.C6.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C7.T1.S1 P1.R2.C7.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C8.T1.S1 P1.R2.C8.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C9.T1.S1 P1.R2.C9.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C10.T1.S1P1.R2.C10.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C11.T1.S1 P1.R2.C11.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C12.T1.S1P1.R2.C12.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C13.T1.S1P1.R2.C13.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C14.T1.S1P1.R2.C14.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C15.T1.S1P1.R2.C15.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C16.T1.S1P1.R2.C16.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C17.T1.S1P1.R2.C17.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C18.T1.S1P1.R2.C18.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C19.T1.S1P1.R2.C19.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C20.T1.S1P1.R2.C20.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C21.T1.S1P1.R2.C21.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C22.T1.S1P1.R2.C22.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C23.T1.S1P1.R2.C23.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C24.T1.S1P1.R2.C24.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C25.T1.S1P1.R2.C25.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C26.T1.S1P1.R2.C26.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C27.T1.S1P1.R2.C27.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C28.T1.S1P1.R2.C28.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C29.T1.S1P1.R2.C29.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C30.T1.S1P1.R2.C30.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C31.T1.S1P1.R2.C31.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C32.T1.S1P1.R2.C32.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C33.T1.S1P1.R2.C33.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C34.T1.S1P1.R2.C34.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C35.T1.S1P1.R2.C35.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C36.T1.S1P1.R2.C36.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C37.T1.S1P1.R2.C37.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C38.T1.S1P1.R2.C38.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C39.T1.S1P1.R2.C39.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C40.T1.S1P1.R2.C40.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C41.T1.S1P1.R2.C41.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C42.T1.S1P1.R2.C42.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C43.T1.S1P1.R2.C43.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C44.T1.S1P1.R2.C44.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C45.T1.S1P1.R2.C45.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C46.T1.S1P1.R2.C46.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C47.T1.S1P1.R2.C47.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C48.T1.S1P1.R2.C48.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C49.T1.S1P1.R2.C49.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C50.T1.S1P1.R2.C50.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C51.T1.S1P1.R2.C51.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C52.T1.S1P1.R2.C52.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C53.T1.S1P1.R2.C53.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C54.T1.S1P1.R2.C54.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C55.T1.S1P1.R2.C55.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C56.T1.S1P1.R2.C56.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C57.T1.S1P1.R2.C57.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C58.T1.S1P1.R2.C58.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C59.T1.S1P1.R2.C59.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C60.T1.S1P1.R2.C60.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C61.T1.S1P1.R2.C61.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C62.T1.S1P1.R2.C62.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C63.T1.S1P1.R2.C63.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C64.T1.S1P1.R2.C64.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C65.T1.S1P1.R2.C65.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C66.T1.S1P1.R2.C66.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C67.T1.S1P1.R2.C67.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C68.T1.S1P1.R2.C68.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C69.T1.S1P1.R2.C69.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C70.T1.S1P1.R2.C70.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C71.T1.S1P1.R2.C71.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C72.T1.S1P1.R2.C72.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C73.T1.S1P1.R2.C73.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P1.R2.C74.T1.S1P1.R2.C74.T1 Account Maintenance, CAAML & CDD Accounts are opened for fraudulent pu
P2.R1.C1.T1.S1 P2.R1.C1.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C2.T1.S1 P2.R1.C2.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C3.T1.S1 P2.R1.C3.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C4.T1.S1 P2.R1.C4.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C5.T1.S1 P2.R1.C5.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C6.T1.S1 P2.R1.C6.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C7.T1.S1 P2.R1.C7.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C8.T1.S1 P2.R1.C8.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C9.T1.S1 P2.R1.C9.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C10.T1.S1P2.R1.C10.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C11.T1.S1 P2.R1.C11.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C12.T1.S1P2.R1.C12.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C13.T1.S1P2.R1.C13.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C14.T1.S1P2.R1.C14.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C15.T1.S1P2.R1.C15.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C16.T1.S1P2.R1.C16.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C17.T1.S1P2.R1.C17.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C18.T1.S1P2.R1.C18.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C19.T1.S1P2.R1.C19.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C20.T1.S1P2.R1.C20.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C21.T1.S1P2.R1.C21.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C22.T1.S1P2.R1.C22.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C23.T1.S1P2.R1.C23.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C24.T1.S1P2.R1.C24.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C25.T1.S1P2.R1.C25.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C26.T1.S1P2.R1.C26.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C27.T1.S1P2.R1.C27.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C28.T1.S1P2.R1.C28.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C29.T1.S1P2.R1.C29.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C30.T1.S1P2.R1.C30.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C31.T1.S1P2.R1.C31.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C32.T1.S1P2.R1.C32.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C33.T1.S1P2.R1.C33.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C34.T1.S1P2.R1.C34.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C35.T1.S1P2.R1.C35.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C36.T1.S1P2.R1.C36.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C37.T1.S1P2.R1.C37.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C38.T1.S1P2.R1.C38.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C39.T1.S1P2.R1.C39.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C40.T1.S1P2.R1.C40.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C41.T1.S1P2.R1.C41.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C42.T1.S1P2.R1.C42.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C43.T1.S1P2.R1.C43.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C44.T1.S1P2.R1.C44.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C45.T1.S1P2.R1.C45.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R1.C46.T1.S1P2.R1.C46.T1 Cash Operations Theft, loss or misappropriation of valua
P2.R2.C1.T1.S1 P2.R2.C1.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C2.T1.S1 P2.R2.C2.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C3.T1.S1 P2.R2.C3.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C4.T1.S1 P2.R2.C4.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C5.T1.S1 P2.R2.C5.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C6.T1.S1 P2.R2.C6.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C7.T1.S1 P2.R2.C7.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C8.T1.S1 P2.R2.C8.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C9.T1.S1 P2.R2.C9.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C10.T1.S1P2.R2.C10.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C11.T1.S1 P2.R2.C11.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C12.T1.S1P2.R2.C12.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C13.T1.S1P2.R2.C13.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C14.T1.S1P2.R2.C14.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C15.T1.S1P2.R2.C15.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C16.T1.S1P2.R2.C16.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C17.T1.S1P2.R2.C17.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C18.T1.S1P2.R2.C18.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C19.T1.S1P2.R2.C19.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C20.T1.S1P2.R2.C20.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C21.T1.S1P2.R2.C21.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C22.T1.S1P2.R2.C22.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C23.T1.S1P2.R2.C23.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C24.T1.S1P2.R2.C24.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C25.T1.S1P2.R2.C25.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C26.T1.S1P2.R2.C26.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C27.T1.S1P2.R2.C27.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C28.T1.S1P2.R2.C28.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C29.T1.S1P2.R2.C29.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C30.T1.S1P2.R2.C30.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C31.T1.S1P2.R2.C31.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C32.T1.S1P2.R2.C32.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C33.T1.S1P2.R2.C33.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C34.T1.S1P2.R2.C34.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C35.T1.S1P2.R2.C35.T1 Cash Operations Breach of banks’ policies or regulatory
P2.R2.C36.T1.S1P2.R2.C36.T1 Cash Operations Breach of banks’ policies or regulatory
P3.R1.C1.T1.S1 P3.R1.C1.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C2.T1.S1 P3.R1.C2.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C3.T1.S1 P3.R1.C3.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C4.T1.S1 P3.R1.C4.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C5.T1.S1 P3.R1.C5.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C6.T1.S1 P3.R1.C6.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C7.T1.S1 P3.R1.C7.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C8.T1.S1 P3.R1.C8.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C9.T1.S1 P3.R1.C9.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C10.T1.S1P3.R1.C10.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C11.T1.S1 P3.R1.C11.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C12.T1.S1P3.R1.C12.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C13.T1.S1P3.R1.C13.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C14.T1.S1P3.R1.C14.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C15.T1.S1P3.R1.C15.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C16.T1.S1P3.R1.C16.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C17.T1.S1P3.R1.C17.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C18.T1.S1P3.R1.C18.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C19.T1.S1P3.R1.C19.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C20.T1.S1P3.R1.C20.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C21.T1.S1P3.R1.C21.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C22.T1.S1P3.R1.C22.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C23.T1.S1P3.R1.C23.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C24.T1.S1P3.R1.C24.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C25.T1.S1P3.R1.C25.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C26.T1.S1P3.R1.C26.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C27.T1.S1P3.R1.C27.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C28.T1.S1P3.R1.C28.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C29.T1.S1P3.R1.C29.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C30.T1.S1P3.R1.C30.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C31.T1.S1P3.R1.C31.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C32.T1.S1P3.R1.C32.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C33.T1.S1P3.R1.C33.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C34.T1.S1P3.R1.C34.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C35.T1.S1P3.R1.C35.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C36.T1.S1P3.R1.C36.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C37.T1.S1P3.R1.C37.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C38.T1.S1P3.R1.C38.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C39.T1.S1P3.R1.C39.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C40.T1.S1P3.R1.C40.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C41.T1.S1P3.R1.C41.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C42.T1.S1P3.R1.C42.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C43.T1.S1P3.R1.C43.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C44.T1.S1P3.R1.C44.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C45.T1.S1P3.R1.C45.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C46.T1.S1P3.R1.C46.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C47.T1.S1P3.R1.C47.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C48.T1.S1P3.R1.C48.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R1.C49.T1.S1P3.R1.C49.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R2.C1.T1.S1 P3.R2.C1.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C2.T1.S1 P3.R2.C2.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C3.T1.S1 P3.R2.C3.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C4.T1.S1 P3.R2.C4.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C5.T1.S1 P3.R2.C5.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C6.T1.S1 P3.R2.C6.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C7.T1.S1 P3.R2.C7.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C8.T1.S1 P3.R2.C8.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C9.T1.S1 P3.R2.C9.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C10.T1.S1P3.R2.C10.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C11.T1.S1 P3.R2.C11.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C12.T1.S1P3.R2.C12.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C13.T1.S1P3.R2.C13.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C14.T1.S1P3.R2.C14.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C15.T1.S1P3.R2.C15.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C16.T1.S1P3.R2.C16.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C17.T1.S1P3.R2.C17.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C18.T1.S1P3.R2.C18.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C19.T1.S1P3.R2.C19.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C20.T1.S1P3.R2.C20.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C21.T1.S1P3.R2.C21.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C22.T1.S1P3.R2.C22.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C23.T1.S1P3.R2.C23.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C24.T1.S1P3.R2.C24.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C25.T1.S1P3.R2.C25.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C26.T1.S1P3.R2.C26.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C27.T1.S1P3.R2.C27.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C28.T1.S1P3.R2.C28.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C29.T1.S1P3.R2.C29.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C30.T1.S1P3.R2.C30.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C31.T1.S1P3.R2.C31.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C32.T1.S1P3.R2.C32.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C33.T1.S1P3.R2.C33.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C34.T1.S1P3.R2.C34.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R2.C35.T1.S1P3.R2.C35.T1 Cheque Handling & Clearing Customer instructions or complaints no
P3.R3.C1.T1.S1 P3.R3.C1.T1 Cheque Handling & Clearing Breach of banks’ policies or regulatory
P3.R3.C2.T1.S1 P3.R3.C2.T1 Cheque Handling & Clearing Breach of banks’ policies or regulatory
P3.R3.C3.T1.S1 P3.R3.C3.T1 Cheque Handling & Clearing Breach of banks’ policies or regulatory
P3.R3.C4.T1.S1 P3.R3.C4.T1 Cheque Handling & Clearing Breach of banks’ policies or regulatory
P3.R3.C5.T1.S1 P3.R3.C5.T1 Cheque Handling & Clearing Breach of banks’ policies or regulatory
P3.R3.C6.T1.S1 P3.R3.C6.T1 Cheque Handling & Clearing Breach of banks’ policies or regulatory
P3.R3.C7.T1.S1 P3.R3.C7.T1 Cheque Handling & Clearing Breach of banks’ policies or regulatory
P3.R3.C8.T1.S1 P3.R3.C8.T1 Cheque Handling & Clearing Breach of banks’ policies or regulatory
P3.R3.C9.T1.S1 P3.R3.C9.T1 Cheque Handling & Clearing Breach of banks’ policies or regulatory
P3.R3.C10.T1.S1P3.R3.C10.T1 Cheque Handling & Clearing Breach of banks’ policies or regulatory
P3.R3.C11.T1.S1 P3.R3.C11.T1 Cheque Handling & Clearing Breach of banks’ policies or regulatory
P4.R1.C1.T1.S1 P4.R1.C1.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C2.T1.S1 P4.R1.C2.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C3.T1.S1 P4.R1.C3.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C4.T1.S1 P4.R1.C4.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C5.T1.S1 P4.R1.C5.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C6.T1.S1 P4.R1.C6.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C7.T1.S1 P4.R1.C7.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C8.T1.S1 P4.R1.C8.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C9.T1.S1 P4.R1.C9.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C10.T1.S1P4.R1.C10.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C11.T1.S1 P4.R1.C11.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C12.T1.S1P4.R1.C12.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C13.T1.S1P4.R1.C13.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C14.T1.S1P4.R1.C14.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C15.T1.S1P4.R1.C15.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C16.T1.S1P4.R1.C16.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C17.T1.S1P4.R1.C17.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C18.T1.S1P4.R1.C18.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C19.T1.S1P4.R1.C19.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C20.T1.S1P4.R1.C20.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C21.T1.S1P4.R1.C21.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C22.T1.S1P4.R1.C22.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R1.C23.T1.S1P4.R1.C23.T1 Remittances Inaccurate, incomplete or fraudulent t
P4.R2.C1.T1.S1 P4.R2.C1.T1 Remittances Customer instructions or complaints no
P4.R2.C2.T1.S1 P4.R2.C2.T1 Remittances Customer instructions or complaints no
P4.R2.C3.T1.S1 P4.R2.C3.T1 Remittances Customer instructions or complaints no
P4.R2.C4.T1.S1 P4.R2.C4.T1 Remittances Customer instructions or complaints no
P4.R2.C5.T1.S1 P4.R2.C5.T1 Remittances Customer instructions or complaints no
P4.R2.C6.T1.S1 P4.R2.C6.T1 Remittances Customer instructions or complaints no
P4.R2.C7.T1.S1 P4.R2.C7.T1 Remittances Customer instructions or complaints no
P4.R2.C8.T1.S1 P4.R2.C8.T1 Remittances Customer instructions or complaints no
P4.R2.C9.T1.S1 P4.R2.C9.T1 Remittances Customer instructions or complaints no
P4.R2.C10.T1.S1P4.R2.C10.T1 Remittances Customer instructions or complaints no
P4.R2.C11.T1.S1 P4.R2.C11.T1 Remittances Customer instructions or complaints no
P4.R2.C12.T1.S1P4.R2.C12.T1 Remittances Customer instructions or complaints no
P4.R2.C13.T1.S1P4.R2.C13.T1 Remittances Customer instructions or complaints no
P4.R2.C14.T1.S1P4.R2.C14.T1 Remittances Customer instructions or complaints no
P4.R2.C15.T1.S1P4.R2.C15.T1 Remittances Customer instructions or complaints no
P4.R2.C16.T1.S1P4.R2.C16.T1 Remittances Customer instructions or complaints no
P4.R2.C17.T1.S1P4.R2.C17.T1 Remittances Customer instructions or complaints no
P4.R2.C18.T1.S1P4.R2.C18.T1 Remittances Customer instructions or complaints no
P4.R2.C19.T1.S1P4.R2.C19.T1 Remittances Customer instructions or complaints no
P4.R2.C20.T1.S1P4.R2.C20.T1 Remittances Customer instructions or complaints no
P4.R2.C21.T1.S1P4.R2.C21.T1 Remittances Customer instructions or complaints no
P4.R2.C22.T1.S1P4.R2.C22.T1 Remittances Customer instructions or complaints no
P4.R2.C23.T1.S1P4.R2.C23.T1 Remittances Customer instructions or complaints no
P4.R3.C1.T1.S1 P4.R3.C1.T1 Remittances Breach of banks’ policies or regulatory
P4.R3.C2.T1.S1 P4.R3.C2.T1 Remittances Breach of banks’ policies or regulatory
P4.R3.C3.T1.S1 P4.R3.C3.T1 Remittances Breach of banks’ policies or regulatory
P5.R1.C1.T1.S1 P5.R1.C1.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C2.T1.S1 P5.R1.C2.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C3.T1.S1 P5.R1.C3.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C4.T1.S1 P5.R1.C4.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C5.T1.S1 P5.R1.C5.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C6.T1.S1 P5.R1.C6.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C7.T1.S1 P5.R1.C7.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C8.T1.S1 P5.R1.C8.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C9.T1.S1 P5.R1.C9.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C10.T1.S1P5.R1.C10.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C11.T1.S1 P5.R1.C11.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C12.T1.S1P5.R1.C12.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C13.T1.S1P5.R1.C13.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C14.T1.S1P5.R1.C14.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C15.T1.S1P5.R1.C15.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C16.T1.S1P5.R1.C16.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C17.T1.S1P5.R1.C17.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C18.T1.S1P5.R1.C18.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C19.T1.S1P5.R1.C19.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C20.T1.S1P5.R1.C20.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C21.T1.S1P5.R1.C21.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C22.T1.S1P5.R1.C22.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C23.T1.S1P5.R1.C23.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C24.T1.S1P5.R1.C24.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C25.T1.S1P5.R1.C25.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C26.T1.S1P5.R1.C26.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C27.T1.S1P5.R1.C27.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C28.T1.S1P5.R1.C28.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C29.T1.S1P5.R1.C29.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C30.T1.S1P5.R1.C30.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C31.T1.S1P5.R1.C31.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C32.T1.S1P5.R1.C32.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C33.T1.S1P5.R1.C33.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C34.T1.S1P5.R1.C34.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C35.T1.S1P5.R1.C35.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C36.T1.S1P5.R1.C36.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C37.T1.S1P5.R1.C37.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C38.T1.S1P5.R1.C38.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C39.T1.S1P5.R1.C39.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C40.T1.S1P5.R1.C40.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C41.T1.S1P5.R1.C41.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C42.T1.S1P5.R1.C42.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C43.T1.S1P5.R1.C43.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C44.T1.S1P5.R1.C44.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C45.T1.S1P5.R1.C45.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C46.T1.S1P5.R1.C46.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C47.T1.S1P5.R1.C47.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C48.T1.S1P5.R1.C48.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C49.T1.S1P5.R1.C49.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C50.T1.S1P5.R1.C50.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C51.T1.S1P5.R1.C51.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C52.T1.S1P5.R1.C52.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C53.T1.S1P5.R1.C53.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C54.T1.S1P5.R1.C54.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C55.T1.S1P5.R1.C55.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C56.T1.S1P5.R1.C56.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C57.T1.S1P5.R1.C57.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C58.T1.S1P5.R1.C58.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C59.T1.S1P5.R1.C59.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C60.T1.S1P5.R1.C60.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C61.T1.S1P5.R1.C61.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C62.T1.S1P5.R1.C62.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C63.T1.S1P5.R1.C63.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C64.T1.S1P5.R1.C64.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C65.T1.S1P5.R1.C65.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C66.T1.S1P5.R1.C66.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C67.T1.S1P5.R1.C67.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C68.T1.S1P5.R1.C68.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C69.T1.S1P5.R1.C69.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C70.T1.S1P5.R1.C70.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P5.R1.C71.T1.S1P5.R1.C71.T1 Safe Deposit Box Theft, loss or misappropriation of valua
P6.R1.C1.T1.S1 P6.R1.C1.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C2.T1.S1 P6.R1.C2.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C3.T1.S1 P6.R1.C3.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C4.T1.S1 P6.R1.C4.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C5.T1.S1 P6.R1.C5.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C6.T1.S1 P6.R1.C6.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C7.T1.S1 P6.R1.C7.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C8.T1.S1 P6.R1.C8.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C9.T1.S1 P6.R1.C9.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C10.T1.S1P6.R1.C10.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C11.T1.S1 P6.R1.C11.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C12.T1.S1P6.R1.C12.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C13.T1.S1P6.R1.C13.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C14.T1.S1P6.R1.C14.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C15.T1.S1P6.R1.C15.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C16.T1.S1P6.R1.C16.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C17.T1.S1P6.R1.C17.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C18.T1.S1P6.R1.C18.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C19.T1.S1P6.R1.C19.T1 Automated Teller Machine Customer instructions or complaints no
P6.R1.C20.T1.S1P6.R1.C20.T1 Automated Teller Machine Customer instructions or complaints no
P6.R2.C1.T1.S1 P6.R2.C1.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C2.T1.S1 P6.R2.C2.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C3.T1.S1 P6.R2.C3.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C4.T1.S1 P6.R2.C4.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C5.T1.S1 P6.R2.C5.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C6.T1.S1 P6.R2.C6.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C7.T1.S1 P6.R2.C7.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C8.T1.S1 P6.R2.C8.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C9.T1.S1 P6.R2.C9.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C10.T1.S1P6.R2.C10.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C11.T1.S1 P6.R2.C11.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C12.T1.S1P6.R2.C12.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C13.T1.S1P6.R2.C13.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C14.T1.S1P6.R2.C14.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C15.T1.S1P6.R2.C15.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R2.C16.T1.S1P6.R2.C16.T1 Automated Teller Machine Theft, loss or misappropriation of valua
P6.R3.C1.T1.S1 P6.R3.C1.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C2.T1.S1 P6.R3.C2.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C3.T1.S1 P6.R3.C3.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C4.T1.S1 P6.R3.C4.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C5.T1.S1 P6.R3.C5.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C6.T1.S1 P6.R3.C6.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C7.T1.S1 P6.R3.C7.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C8.T1.S1 P6.R3.C8.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C9.T1.S1 P6.R3.C9.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C10.T1.S1P6.R3.C10.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C11.T1.S1 P6.R3.C11.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C12.T1.S1P6.R3.C12.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C13.T1.S1P6.R3.C13.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C14.T1.S1P6.R3.C14.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C15.T1.S1P6.R3.C15.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C16.T1.S1P6.R3.C16.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C17.T1.S1P6.R3.C17.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P6.R3.C18.T1.S1P6.R3.C18.T1 Automated Teller Machine Breach of banks’ policies or regulatory
P7.R1.C1.T1.S1 P7.R1.C1.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C2.T1.S1 P7.R1.C2.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C3.T1.S1 P7.R1.C3.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C4.T1.S1 P7.R1.C4.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C5.T1.S1 P7.R1.C5.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C6.T1.S1 P7.R1.C6.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C7.T1.S1 P7.R1.C7.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C8.T1.S1 P7.R1.C8.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C9.T1.S1 P7.R1.C9.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C10.T1.S1P7.R1.C10.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C11.T1.S1 P7.R1.C11.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C12.T1.S1P7.R1.C12.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C13.T1.S1P7.R1.C13.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C14.T1.S1P7.R1.C14.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C15.T1.S1P7.R1.C15.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C16.T1.S1P7.R1.C16.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C17.T1.S1P7.R1.C17.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C18.T1.S1P7.R1.C18.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C19.T1.S1P7.R1.C19.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C20.T1.S1P7.R1.C20.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C21.T1.S1P7.R1.C21.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C22.T1.S1P7.R1.C22.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C23.T1.S1P7.R1.C23.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C24.T1.S1P7.R1.C24.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C25.T1.S1P7.R1.C25.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C26.T1.S1P7.R1.C26.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C27.T1.S1P7.R1.C27.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C28.T1.S1P7.R1.C28.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C29.T1.S1P7.R1.C29.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C30.T1.S1P7.R1.C30.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C31.T1.S1P7.R1.C31.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C32.T1.S1P7.R1.C32.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C33.T1.S1P7.R1.C33.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C34.T1.S1P7.R1.C34.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C35.T1.S1P7.R1.C35.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C36.T1.S1P7.R1.C36.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C37.T1.S1P7.R1.C37.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C38.T1.S1P7.R1.C38.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C39.T1.S1P7.R1.C39.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C40.T1.S1P7.R1.C40.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C41.T1.S1P7.R1.C41.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C42.T1.S1P7.R1.C42.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C43.T1.S1P7.R1.C43.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C44.T1.S1P7.R1.C44.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C45.T1.S1P7.R1.C45.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C46.T1.S1P7.R1.C46.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C47.T1.S1P7.R1.C47.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C48.T1.S1P7.R1.C48.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C49.T1.S1P7.R1.C49.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C50.T1.S1P7.R1.C50.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C51.T1.S1P7.R1.C51.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C52.T1.S1P7.R1.C52.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C53.T1.S1P7.R1.C53.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C54.T1.S1P7.R1.C54.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C55.T1.S1P7.R1.C55.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C56.T1.S1P7.R1.C56.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C57.T1.S1P7.R1.C57.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C58.T1.S1P7.R1.C58.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C59.T1.S1P7.R1.C59.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C60.T1.S1P7.R1.C60.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C61.T1.S1P7.R1.C61.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C62.T1.S1P7.R1.C62.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C63.T1.S1P7.R1.C63.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C64.T1.S1P7.R1.C64.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C65.T1.S1P7.R1.C65.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C66.T1.S1P7.R1.C66.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C67.T1.S1P7.R1.C67.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C68.T1.S1P7.R1.C68.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C69.T1.S1P7.R1.C69.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C70.T1.S1P7.R1.C70.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C71.T1.S1P7.R1.C71.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C72.T1.S1P7.R1.C72.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C73.T1.S1P7.R1.C73.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C74.T1.S1P7.R1.C74.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C75.T1.S1P7.R1.C75.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C76.T1.S1P7.R1.C76.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C77.T1.S1P7.R1.C77.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C78.T1.S1P7.R1.C78.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C79.T1.S1P7.R1.C79.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C80.T1.S1P7.R1.C80.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C81.T1.S1P7.R1.C81.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C82.T1.S1P7.R1.C82.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C83.T1.S1P7.R1.C83.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C84.T1.S1P7.R1.C84.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C85.T1.S1P7.R1.C85.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C86.T1.S1P7.R1.C86.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C87.T1.S1P7.R1.C87.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C88.T1.S1P7.R1.C88.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C89.T1.S1P7.R1.C89.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C90.T1.S1P7.R1.C90.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C91.T1.S1P7.R1.C91.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C92.T1.S1P7.R1.C92.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R1.C93.T1.S1P7.R1.C93.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R2.C1.T1.S1 P7.R2.C1.T1 Handling of Customer Instructions Inaccurate, incomplete or fraudulent t
P7.R2.C2.T1.S1 P7.R2.C2.T1 Handling of Customer Instructions Inaccurate, incomplete or fraudulent t
P7.R2.C3.T1.S1 P7.R2.C3.T1 Handling of Customer Instructions Inaccurate, incomplete or fraudulent t
P7.R2.C4.T1.S1 P7.R2.C4.T1 Handling of Customer Instructions Inaccurate, incomplete or fraudulent t
P7.R2.C5.T1.S1 P7.R2.C5.T1 Handling of Customer Instructions Inaccurate, incomplete or fraudulent t
P7.R2.C6.T1.S1 P7.R2.C6.T1 Handling of Customer Instructions Inaccurate, incomplete or fraudulent t
P7.R2.C7.T1.S1 P7.R2.C7.T1 Handling of Customer Instructions Inaccurate, incomplete or fraudulent t
P7.R2.C8.T1.S1 P7.R2.C8.T1 Handling of Customer Instructions Inaccurate, incomplete or fraudulent t
P7.R2.C9.T1.S1 P7.R2.C9.T1 Handling of Customer Instructions Inaccurate, incomplete or fraudulent t
P7.R2.C10.T1.S1P7.R2.C10.T1 Handling of Customer Instructions Inaccurate, incomplete or fraudulent t
P8.R1.C1.T1.S1 P8.R1.C1.T1 Suspense Account Un-settled entries for more than 30 day
P8.R1.C2.T1.S1 P8.R1.C2.T1 Suspense Account Un-settled entries for more than 30 day
P8.R1.C3.T1.S1 P8.R1.C3.T1 Suspense Account Un-settled entries for more than 30 day
P8.R1.C4.T1.S1 P8.R1.C4.T1 Suspense Account Un-settled entries for more than 30 day
P8.R1.C5.T1.S1 P8.R1.C5.T1 Suspense Account Un-settled entries for more than 30 day
P8.R1.C6.T1.S1 P8.R1.C6.T1 Suspense Account Un-settled entries for more than 30 day
P8.R1.C7.T1.S1 P8.R1.C7.T1 Suspense Account Un-settled entries for more than 30 day
P8.R1.C8.T1.S1 P8.R1.C8.T1 Suspense Account Un-settled entries for more than 30 day
P8.R2.C1.T1.S1 P8.R2.C1.T1 Suspense Account Fictitious entries could be booked in s
P8.R2.C2.T1.S1 P8.R2.C2.T1 Suspense Account Fictitious entries could be booked in s
P8.R2.C3.T1.S1 P8.R2.C3.T1 Suspense Account Fictitious entries could be booked in s
P8.R2.C4.T1.S1 P8.R2.C4.T1 Suspense Account Fictitious entries could be booked in s
P8.R2.C5.T1.S1 P8.R2.C5.T1 Suspense Account Fictitious entries could be booked in s
P8.R2.C6.T1.S1 P8.R2.C6.T1 Suspense Account Fictitious entries could be booked in s
P9.R1.C1.T1.S1 P9.R1.C1.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C2.T1.S1 P9.R1.C2.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C3.T1.S1 P9.R1.C3.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C4.T1.S1 P9.R1.C4.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C5.T1.S1 P9.R1.C5.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C6.T1.S1 P9.R1.C6.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C7.T1.S1 P9.R1.C7.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C8.T1.S1 P9.R1.C8.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C9.T1.S1 P9.R1.C9.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C10.T1.S1P9.R1.C10.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C11.T1.S1 P9.R1.C11.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C12.T1.S1P9.R1.C12.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C13.T1.S1P9.R1.C13.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C14.T1.S1P9.R1.C14.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C15.T1.S1P9.R1.C15.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C16.T1.S1P9.R1.C16.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C17.T1.S1P9.R1.C17.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C18.T1.S1P9.R1.C18.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C19.T1.S1P9.R1.C19.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C20.T1.S1P9.R1.C20.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C21.T1.S1P9.R1.C21.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C22.T1.S1P9.R1.C22.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C23.T1.S1P9.R1.C23.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C24.T1.S1P9.R1.C24.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C25.T1.S1P9.R1.C25.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C26.T1.S1P9.R1.C26.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C27.T1.S1P9.R1.C27.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C28.T1.S1P9.R1.C28.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C29.T1.S1P9.R1.C29.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C30.T1.S1P9.R1.C30.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C31.T1.S1P9.R1.C31.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C32.T1.S1P9.R1.C32.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C33.T1.S1P9.R1.C33.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C34.T1.S1P9.R1.C34.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C35.T1.S1P9.R1.C35.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C36.T1.S1P9.R1.C36.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C37.T1.S1P9.R1.C37.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C38.T1.S1P9.R1.C38.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C39.T1.S1P9.R1.C39.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C40.T1.S1P9.R1.C40.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C41.T1.S1P9.R1.C41.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C42.T1.S1P9.R1.C42.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C43.T1.S1P9.R1.C43.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C44.T1.S1P9.R1.C44.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C45.T1.S1P9.R1.C45.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C46.T1.S1P9.R1.C46.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C47.T1.S1P9.R1.C47.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C48.T1.S1P9.R1.C48.T1 Physical Access Control Theft, loss or misappropriation of valua
P10.R1.C1.T1.S1P10.R1.C1.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C2.T1.S1P10.R1.C2.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C3.T1.S1P10.R1.C3.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C4.T1.S1P10.R1.C4.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C5.T1.S1P10.R1.C5.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C6.T1.S1P10.R1.C6.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C7.T1.S1P10.R1.C7.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C8.T1.S1P10.R1.C8.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C9.T1.S1P10.R1.C9.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C10.T1.SP10.R1.C10.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C11.T1.S P10.R1.C11.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C12.T1.SP10.R1.C12.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C13.T1.SP10.R1.C13.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C14.T1.SP10.R1.C14.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C15.T1.SP10.R1.C15.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C16.T1.SP10.R1.C16.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C17.T1.SP10.R1.C17.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C18.T1.SP10.R1.C18.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C19.T1.SP10.R1.C19.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C20.T1.SP10.R1.C20.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C21.T1.SP10.R1.C21.T1 System Access Rights Unauthorised parties may obtain access
P11.R1.C1.T1.S1 P11.R1.C1.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C2.T1.S1 P11.R1.C2.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C3.T1.S1 P11.R1.C3.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C4.T1.S1 P11.R1.C4.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C5.T1.S1 P11.R1.C5.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C6.T1.S1 P11.R1.C6.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C7.T1.S1 P11.R1.C7.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C8.T1.S1 P11.R1.C8.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C9.T1.S1 P11.R1.C9.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C10.T1.S P11.R1.C10.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C11.T1.S P11.R1.C11.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C12.T1.S P11.R1.C12.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C13.T1.S P11.R1.C13.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C14.T1.S P11.R1.C14.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C15.T1.S P11.R1.C15.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C16.T1.S P11.R1.C16.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C17.T1.S P11.R1.C17.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C18.T1.S P11.R1.C18.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C19.T1.S P11.R1.C19.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C20.T1.S P11.R1.C20.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C21.T1.S P11.R1.C21.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C22.T1.S P11.R1.C22.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C23.T1.S P11.R1.C23.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C24.T1.S P11.R1.C24.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C25.T1.S P11.R1.C25.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C26.T1.S P11.R1.C26.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C27.T1.S P11.R1.C27.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C28.T1.S P11.R1.C28.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P12.R1.C1.T1.S1P12.R1.C1.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C2.T1.S1P12.R1.C2.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C3.T1.S1P12.R1.C3.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C4.T1.S1P12.R1.C4.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C5.T1.S1P12.R1.C5.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C6.T1.S1P12.R1.C6.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C7.T1.S1P12.R1.C7.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C8.T1.S1P12.R1.C8.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C9.T1.S1P12.R1.C9.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C10.T1.SP12.R1.C10.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C11.T1.S P12.R1.C11.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C12.T1.SP12.R1.C12.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C13.T1.SP12.R1.C13.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C14.T1.SP12.R1.C14.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C15.T1.SP12.R1.C15.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C16.T1.SP12.R1.C16.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C17.T1.SP12.R1.C17.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C18.T1.SP12.R1.C18.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C19.T1.SP12.R1.C19.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C20.T1.SP12.R1.C20.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C21.T1.SP12.R1.C21.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C22.T1.SP12.R1.C22.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C23.T1.SP12.R1.C23.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C24.T1.SP12.R1.C24.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C25.T1.SP12.R1.C25.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C26.T1.SP12.R1.C26.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C27.T1.SP12.R1.C27.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C28.T1.SP12.R1.C28.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C29.T1.SP12.R1.C29.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C30.T1.SP12.R1.C30.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C31.T1.SP12.R1.C31.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C32.T1.SP12.R1.C32.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C33.T1.SP12.R1.C33.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C34.T1.SP12.R1.C34.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C35.T1.SP12.R1.C35.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C36.T1.SP12.R1.C36.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C37.T1.SP12.R1.C37.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C38.T1.SP12.R1.C38.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C39.T1.SP12.R1.C39.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C40.T1.SP12.R1.C40.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C41.T1.SP12.R1.C41.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C42.T1.SP12.R1.C42.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P12.R1.C43.T1.SP12.R1.C43.T1 Regulatory Requirement Breach of banks’ policies or regulatory
P13.R1.C1.T1.S1P13.R1.C1.T1 Staffing & back-up arrangements Inaccurate, incomplete or fraudulent tr
P13.R1.C2.T1.S1P13.R1.C2.T1 Staffing & back-up arrangements Inaccurate, incomplete or fraudulent tr
P13.R1.C3.T1.S1P13.R1.C3.T1 Staffing & back-up arrangements Inaccurate, incomplete or fraudulent tr
P13.R2.C1.T1.S1P13.R2.C1.T1 Staffing & back-up arrangements Disruption of the business.
P13.R2.C2.T1.S1P13.R2.C2.T1 Staffing & back-up arrangements Disruption of the business.
P13.R2.C3.T1.S1P13.R2.C3.T1 Staffing & back-up arrangements Disruption of the business.
P14.R1.C1.T1.S1P14.R1.C1.T1 Management Information System Incorrect decision making
P14.R2.C1.T1.S1P14.R2.C1.T1 Management Information System Inadequate management monitoring.
P14.R2.C2.T1.S1P14.R2.C2.T1 Management Information System Inadequate management monitoring.
P15.R1.C1.T1.S1P15.R1.C1.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C2.T1.S1P15.R1.C2.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C3.T1.S1P15.R1.C3.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C4.T1.S1P15.R1.C4.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C5.T1.S1P15.R1.C5.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C6.T1.S1P15.R1.C6.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C7.T1.S1P15.R1.C7.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C8.T1.S1P15.R1.C8.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C9.T1.S1P15.R1.C9.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C10.T1.SP15.R1.C10.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C11.T1.S P15.R1.C11.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C12.T1.SP15.R1.C12.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C13.T1.SP15.R1.C13.T1 Green Banking Theft, loss or misappropriation of valu
P15.R1.C14.T1.SP15.R1.C14.T1 Green Banking Theft, loss or misappropriation of valu
P16.R1.C1.T1.S1P16.R1.C1.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C2.T1.S1P16.R1.C2.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C3.T1.S1P16.R1.C3.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C4.T1.S1P16.R1.C4.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C5.T1.S1P16.R1.C5.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C6.T1.S1P16.R1.C6.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C7.T1.S1P16.R1.C7.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C8.T1.S1P16.R1.C8.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C9.T1.S1P16.R1.C9.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C10.T1.SP16.R1.C10.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C11.T1.S P16.R1.C11.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C12.T1.SP16.R1.C12.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C13.T1.SP16.R1.C13.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C14.T1.SP16.R1.C14.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C15.T1.SP16.R1.C15.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C16.T1.SP16.R1.C16.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C17.T1.SP16.R1.C17.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C18.T1.SP16.R1.C18.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C19.T1.SP16.R1.C19.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C20.T1.SP16.R1.C20.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C21.T1.SP16.R1.C21.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C22.T1.SP16.R1.C22.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C23.T1.SP16.R1.C23.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C24.T1.SP16.R1.C24.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C25.T1.SP16.R1.C25.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C26.T1.SP16.R1.C26.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C27.T1.SP16.R1.C27.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C28.T1.SP16.R1.C28.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C29.T1.SP16.R1.C29.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C30.T1.SP16.R1.C30.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C31.T1.SP16.R1.C31.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C32.T1.SP16.R1.C32.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C33.T1.SP16.R1.C33.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C34.T1.SP16.R1.C34.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C35.T1.SP16.R1.C35.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C36.T1.SP16.R1.C36.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C37.T1.SP16.R1.C37.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C38.T1.SP16.R1.C38.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C39.T1.SP16.R1.C39.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C40.T1.SP16.R1.C40.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C41.T1.SP16.R1.C41.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C42.T1.SP16.R1.C42.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C43.T1.SP16.R1.C43.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C44.T1.SP16.R1.C44.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C45.T1.SP16.R1.C45.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C46.T1.SP16.R1.C46.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C47.T1.SP16.R1.C47.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C48.T1.SP16.R1.C48.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C49.T1.SP16.R1.C49.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C50.T1.SP16.R1.C50.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C51.T1.SP16.R1.C51.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C52.T1.SP16.R1.C52.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C53.T1.SP16.R1.C53.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C54.T1.SP16.R1.C54.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C55.T1.SP16.R1.C55.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C56.T1.SP16.R1.C56.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C57.T1.SP16.R1.C57.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C58.T1.SP16.R1.C58.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C59.T1.SP16.R1.C59.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C60.T1.SP16.R1.C60.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C61.T1.SP16.R1.C61.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C62.T1.SP16.R1.C62.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C63.T1.SP16.R1.C63.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C64.T1.SP16.R1.C64.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C65.T1.SP16.R1.C65.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C66.T1.SP16.R1.C66.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C67.T1.SP16.R1.C67.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C68.T1.SP16.R1.C68.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C69.T1.SP16.R1.C69.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C70.T1.SP16.R1.C70.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C71.T1.SP16.R1.C71.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C72.T1.SP16.R1.C72.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C73.T1.SP16.R1.C73.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C74.T1.SP16.R1.C74.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C75.T1.SP16.R1.C75.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C76.T1.SP16.R1.C76.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C77.T1.SP16.R1.C77.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C78.T1.SP16.R1.C78.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C79.T1.SP16.R1.C79.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C80.T1.SP16.R1.C80.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C81.T1.SP16.R1.C81.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C82.T1.SP16.R1.C82.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C83.T1.SP16.R1.C83.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C84.T1.SP16.R1.C84.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C85.T1.SP16.R1.C85.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C86.T1.SP16.R1.C86.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C87.T1.SP16.R1.C87.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C88.T1.SP16.R1.C88.T1 CPU Clearing Theft, loss or misappropriation of valua
P16.R1.C89.T1.SP16.R1.C89.T1 CPU Clearing Theft, loss or misappropriation of valua
P17.R1.C1.T1.S1P17.R1.C1.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C2.T1.S1P17.R1.C2.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C3.T1.S1P17.R1.C3.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C4.T1.S1P17.R1.C4.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C5.T1.S1P17.R1.C5.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C6.T1.S1P17.R1.C6.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C7.T1.S1P17.R1.C7.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C8.T1.S1P17.R1.C8.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C9.T1.S1P17.R1.C9.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C10.T1.SP17.R1.C10.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C11.T1.S P17.R1.C11.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C12.T1.SP17.R1.C12.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C13.T1.SP17.R1.C13.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C14.T1.SP17.R1.C14.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C15.T1.SP17.R1.C15.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C16.T1.SP17.R1.C16.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C17.T1.SP17.R1.C17.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C18.T1.SP17.R1.C18.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C19.T1.SP17.R1.C19.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C20.T1.SP17.R1.C20.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C21.T1.SP17.R1.C21.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C22.T1.SP17.R1.C22.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C23.T1.SP17.R1.C23.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C24.T1.SP17.R1.C24.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C25.T1.SP17.R1.C25.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C26.T1.SP17.R1.C26.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C27.T1.SP17.R1.C27.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C28.T1.SP17.R1.C28.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C29.T1.SP17.R1.C29.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C30.T1.SP17.R1.C30.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C31.T1.SP17.R1.C31.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C32.T1.SP17.R1.C32.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C33.T1.SP17.R1.C33.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C34.T1.SP17.R1.C34.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C35.T1.SP17.R1.C35.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C36.T1.SP17.R1.C36.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C37.T1.SP17.R1.C37.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C38.T1.SP17.R1.C38.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C39.T1.SP17.R1.C39.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C40.T1.SP17.R1.C40.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C41.T1.SP17.R1.C41.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C42.T1.SP17.R1.C42.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C43.T1.SP17.R1.C43.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C44.T1.SP17.R1.C44.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C45.T1.SP17.R1.C45.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C46.T1.SP17.R1.C46.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C47.T1.SP17.R1.C47.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C48.T1.SP17.R1.C48.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C49.T1.SP17.R1.C49.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C50.T1.SP17.R1.C50.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C51.T1.SP17.R1.C51.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C52.T1.SP17.R1.C52.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C53.T1.SP17.R1.C53.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C54.T1.SP17.R1.C54.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C55.T1.SP17.R1.C55.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C56.T1.SP17.R1.C56.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C57.T1.SP17.R1.C57.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C58.T1.SP17.R1.C58.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C59.T1.SP17.R1.C59.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C60.T1.SP17.R1.C60.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C61.T1.SP17.R1.C61.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C62.T1.SP17.R1.C62.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C63.T1.SP17.R1.C63.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C64.T1.SP17.R1.C64.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C65.T1.SP17.R1.C65.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C66.T1.SP17.R1.C66.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C67.T1.SP17.R1.C67.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C68.T1.SP17.R1.C68.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C69.T1.SP17.R1.C69.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C70.T1.SP17.R1.C70.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C71.T1.SP17.R1.C71.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C72.T1.SP17.R1.C72.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C73.T1.SP17.R1.C73.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C74.T1.SP17.R1.C74.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C75.T1.SP17.R1.C75.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C76.T1.SP17.R1.C76.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C77.T1.SP17.R1.C77.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C78.T1.SP17.R1.C78.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C79.T1.SP17.R1.C79.T1 Faysal Rapid Cash Customer instructions or complaints no
P17.R1.C80.T1.SP17.R1.C80.T1 Faysal Rapid Cash Customer instructions or complaints no
P18.R1.C1.T1.S1P18.R1.C1.T1 Government Securities Customer instructions or complaints not
P18.R1.C2.T1.S1P18.R1.C2.T1 Government Securities Customer instructions or complaints not
P18.R1.C3.T1.S1P18.R1.C3.T1 Government Securities Customer instructions or complaints not
P18.R1.C4.T1.S1P18.R1.C4.T1 Government Securities Customer instructions or complaints not
P18.R1.C5.T1.S1P18.R1.C5.T1 Government Securities Customer instructions or complaints not
P18.R1.C6.T1.S1P18.R1.C6.T1 Government Securities Customer instructions or complaints not
P18.R1.C7.T1.S1P18.R1.C7.T1 Government Securities Customer instructions or complaints not
P18.R1.C8.T1.S1P18.R1.C8.T1 Government Securities Customer instructions or complaints not
P18.R1.C9.T1.S1P18.R1.C9.T1 Government Securities Customer instructions or complaints not
P18.R1.C10.T1.SP18.R1.C10.T1 Government Securities Customer instructions or complaints not
P18.R1.C11.T1.S P18.R1.C11.T1 Government Securities Customer instructions or complaints not
P18.R1.C12.T1.SP18.R1.C12.T1 Government Securities Customer instructions or complaints not
P18.R1.C13.T1.SP18.R1.C13.T1 Government Securities Customer instructions or complaints not
P18.R1.C14.T1.SP18.R1.C14.T1 Government Securities Customer instructions or complaints not
P18.R1.C15.T1.SP18.R1.C15.T1 Government Securities Customer instructions or complaints not
P18.R1.C16.T1.SP18.R1.C16.T1 Government Securities Customer instructions or complaints not
P18.R1.C17.T1.SP18.R1.C17.T1 Government Securities Customer instructions or complaints not
P18.R1.C18.T1.SP18.R1.C18.T1 Government Securities Customer instructions or complaints not
P18.R1.C19.T1.SP18.R1.C19.T1 Government Securities Customer instructions or complaints not
P18.R1.C20.T1.SP18.R1.C20.T1 Government Securities Customer instructions or complaints not
P18.R1.C21.T1.SP18.R1.C21.T1 Government Securities Customer instructions or complaints not
P18.R1.C22.T1.SP18.R1.C22.T1 Government Securities Customer instructions or complaints not
P18.R1.C23.T1.SP18.R1.C23.T1 Government Securities Customer instructions or complaints not
P18.R1.C24.T1.SP18.R1.C24.T1 Government Securities Customer instructions or complaints not
P18.R1.C25.T1.SP18.R1.C25.T1 Government Securities Customer instructions or complaints not
P18.R1.C26.T1.SP18.R1.C26.T1 Government Securities Customer instructions or complaints not
P18.R1.C27.T1.SP18.R1.C27.T1 Government Securities Customer instructions or complaints not
P18.R1.C28.T1.SP18.R1.C28.T1 Government Securities Customer instructions or complaints not
P18.R1.C29.T1.SP18.R1.C29.T1 Government Securities Customer instructions or complaints not
P18.R1.C30.T1.SP18.R1.C30.T1 Government Securities Customer instructions or complaints not
P18.R1.C31.T1.SP18.R1.C31.T1 Government Securities Customer instructions or complaints not
P18.R1.C32.T1.SP18.R1.C32.T1 Government Securities Customer instructions or complaints not
P18.R1.C33.T1.SP18.R1.C33.T1 Government Securities Customer instructions or complaints not
P18.R1.C34.T1.SP18.R1.C34.T1 Government Securities Customer instructions or complaints not
P18.R1.C35.T1.SP18.R1.C35.T1 Government Securities Customer instructions or complaints not
P18.R1.C36.T1.SP18.R1.C36.T1 Government Securities Customer instructions or complaints not
P18.R1.C37.T1.SP18.R1.C37.T1 Government Securities Customer instructions or complaints not
P18.R1.C38.T1.SP18.R1.C38.T1 Government Securities Customer instructions or complaints not
P18.R1.C39.T1.SP18.R1.C39.T1 Government Securities Customer instructions or complaints not
P18.R1.C40.T1.SP18.R1.C40.T1 Government Securities Customer instructions or complaints not
P18.R1.C41.T1.SP18.R1.C41.T1 Government Securities Customer instructions or complaints not
P18.R1.C42.T1.SP18.R1.C42.T1 Government Securities Customer instructions or complaints not
P18.R1.C43.T1.SP18.R1.C43.T1 Government Securities Customer instructions or complaints not
P18.R1.C44.T1.SP18.R1.C44.T1 Government Securities Customer instructions or complaints not
P18.R1.C45.T1.SP18.R1.C45.T1 Government Securities Customer instructions or complaints not
P18.R1.C46.T1.SP18.R1.C46.T1 Government Securities Customer instructions or complaints not
P18.R1.C47.T1.SP18.R1.C47.T1 Government Securities Customer instructions or complaints not
P18.R1.C48.T1.SP18.R1.C48.T1 Government Securities Customer instructions or complaints not
P18.R1.C49.T1.SP18.R1.C49.T1 Government Securities Customer instructions or complaints not
P18.R1.C50.T1.SP18.R1.C50.T1 Government Securities Customer instructions or complaints not
P19.R1.C1.T1.S1P19.R1.C1.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C2.T1.S1P19.R1.C2.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C3.T1.S1P19.R1.C3.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C4.T1.S1P19.R1.C4.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C5.T1.S1P19.R1.C5.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C6.T1.S1P19.R1.C6.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C7.T1.S1P19.R1.C7.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C8.T1.S1P19.R1.C8.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C9.T1.S1P19.R1.C9.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C10.T1.SP19.R1.C10.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C11.T1.S P19.R1.C11.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C12.T1.SP19.R1.C12.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C13.T1.SP19.R1.C13.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C14.T1.SP19.R1.C14.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C15.T1.SP19.R1.C15.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C16.T1.SP19.R1.C16.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C17.T1.SP19.R1.C17.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C18.T1.SP19.R1.C18.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C19.T1.SP19.R1.C19.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C20.T1.SP19.R1.C20.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C21.T1.SP19.R1.C21.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C22.T1.SP19.R1.C22.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C23.T1.SP19.R1.C23.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C24.T1.SP19.R1.C24.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C25.T1.SP19.R1.C25.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C26.T1.SP19.R1.C26.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C27.T1.SP19.R1.C27.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C28.T1.SP19.R1.C28.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C29.T1.SP19.R1.C29.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C30.T1.SP19.R1.C30.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C31.T1.SP19.R1.C31.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C32.T1.SP19.R1.C32.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C33.T1.SP19.R1.C33.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C34.T1.SP19.R1.C34.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C35.T1.SP19.R1.C35.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C36.T1.SP19.R1.C36.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C37.T1.SP19.R1.C37.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C38.T1.SP19.R1.C38.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C39.T1.SP19.R1.C39.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C40.T1.SP19.R1.C40.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C41.T1.SP19.R1.C41.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C42.T1.SP19.R1.C42.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C43.T1.SP19.R1.C43.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C44.T1.SP19.R1.C44.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C45.T1.SP19.R1.C45.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C46.T1.SP19.R1.C46.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C47.T1.SP19.R1.C47.T1 Term Deposit Receipt Customer instructions or complaints not
P19.R1.C48.T1.SP19.R1.C48.T1 Term Deposit Receipt Customer instructions or complaints not
P20.R1.C1.T1.S1P20.R1.C1.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C2.T1.S1P20.R1.C2.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C3.T1.S1P20.R1.C3.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C4.T1.S1P20.R1.C4.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C5.T1.S1P20.R1.C5.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C6.T1.S1P20.R1.C6.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C7.T1.S1P20.R1.C7.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C8.T1.S1P20.R1.C8.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C9.T1.S1P20.R1.C9.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C10.T1.SP20.R1.C10.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C11.T1.S P20.R1.C11.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C12.T1.SP20.R1.C12.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C13.T1.SP20.R1.C13.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C14.T1.SP20.R1.C14.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C15.T1.SP20.R1.C15.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C16.T1.SP20.R1.C16.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C17.T1.SP20.R1.C17.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C18.T1.SP20.R1.C18.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C19.T1.SP20.R1.C19.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C20.T1.SP20.R1.C20.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C21.T1.SP20.R1.C21.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C22.T1.SP20.R1.C22.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C23.T1.SP20.R1.C23.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C24.T1.SP20.R1.C24.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C25.T1.SP20.R1.C25.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C26.T1.SP20.R1.C26.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C27.T1.SP20.R1.C27.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C28.T1.SP20.R1.C28.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C29.T1.SP20.R1.C29.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C30.T1.SP20.R1.C30.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C31.T1.SP20.R1.C31.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C32.T1.SP20.R1.C32.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C33.T1.SP20.R1.C33.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C34.T1.SP20.R1.C34.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C35.T1.SP20.R1.C35.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C36.T1.SP20.R1.C36.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C37.T1.SP20.R1.C37.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C38.T1.SP20.R1.C38.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C39.T1.SP20.R1.C39.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C40.T1.SP20.R1.C40.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C41.T1.SP20.R1.C41.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C42.T1.SP20.R1.C42.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C43.T1.SP20.R1.C43.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C44.T1.SP20.R1.C44.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C45.T1.SP20.R1.C45.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C46.T1.SP20.R1.C46.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C47.T1.SP20.R1.C47.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C48.T1.SP20.R1.C48.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C49.T1.SP20.R1.C49.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C50.T1.SP20.R1.C50.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C51.T1.SP20.R1.C51.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C52.T1.SP20.R1.C52.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C53.T1.SP20.R1.C53.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C54.T1.SP20.R1.C54.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C55.T1.SP20.R1.C55.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C56.T1.SP20.R1.C56.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C57.T1.SP20.R1.C57.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C58.T1.SP20.R1.C58.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C59.T1.SP20.R1.C59.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C60.T1.SP20.R1.C60.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C61.T1.SP20.R1.C61.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C62.T1.SP20.R1.C62.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C63.T1.SP20.R1.C63.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P20.R1.C64.T1.SP20.R1.C64.T1 Account Opening/Closing Accounts are opened for fraudulent pur
P21.R1.C1.T1.S1P21.R1.C1.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C2.T1.S1P21.R1.C2.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C3.T1.S1P21.R1.C3.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C4.T1.S1P21.R1.C4.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C5.T1.S1P21.R1.C5.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C6.T1.S1P21.R1.C6.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C7.T1.S1P21.R1.C7.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C8.T1.S1P21.R1.C8.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C9.T1.S1P21.R1.C9.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C10.T1.SP21.R1.C10.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C11.T1.S P21.R1.C11.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C12.T1.SP21.R1.C12.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C13.T1.SP21.R1.C13.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C14.T1.SP21.R1.C14.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C15.T1.SP21.R1.C15.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C16.T1.SP21.R1.C16.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C17.T1.SP21.R1.C17.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C18.T1.SP21.R1.C18.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C19.T1.SP21.R1.C19.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C20.T1.SP21.R1.C20.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C21.T1.SP21.R1.C21.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C22.T1.SP21.R1.C22.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C23.T1.SP21.R1.C23.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C24.T1.SP21.R1.C24.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C25.T1.SP21.R1.C25.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C26.T1.SP21.R1.C26.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C27.T1.SP21.R1.C27.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C28.T1.SP21.R1.C28.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C29.T1.SP21.R1.C29.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C30.T1.SP21.R1.C30.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C31.T1.SP21.R1.C31.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C32.T1.SP21.R1.C32.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C33.T1.SP21.R1.C33.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C34.T1.SP21.R1.C34.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C35.T1.SP21.R1.C35.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C36.T1.SP21.R1.C36.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C37.T1.SP21.R1.C37.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C38.T1.SP21.R1.C38.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C39.T1.SP21.R1.C39.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C40.T1.SP21.R1.C40.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C41.T1.SP21.R1.C41.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C42.T1.SP21.R1.C42.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C43.T1.SP21.R1.C43.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C44.T1.SP21.R1.C44.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C45.T1.SP21.R1.C45.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C46.T1.SP21.R1.C46.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C47.T1.SP21.R1.C47.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C48.T1.SP21.R1.C48.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C49.T1.SP21.R1.C49.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C50.T1.SP21.R1.C50.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C51.T1.SP21.R1.C51.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C52.T1.SP21.R1.C52.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C53.T1.SP21.R1.C53.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C54.T1.SP21.R1.C54.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C55.T1.SP21.R1.C55.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C56.T1.SP21.R1.C56.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C57.T1.SP21.R1.C57.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C58.T1.SP21.R1.C58.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C59.T1.SP21.R1.C59.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C60.T1.SP21.R1.C60.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C61.T1.SP21.R1.C61.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C62.T1.SP21.R1.C62.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C63.T1.SP21.R1.C63.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C64.T1.SP21.R1.C64.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C65.T1.SP21.R1.C65.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C66.T1.SP21.R1.C66.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C67.T1.SP21.R1.C67.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C68.T1.SP21.R1.C68.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C69.T1.SP21.R1.C69.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C70.T1.SP21.R1.C70.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C71.T1.SP21.R1.C71.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C72.T1.SP21.R1.C72.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C73.T1.SP21.R1.C73.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C74.T1.SP21.R1.C74.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C75.T1.SP21.R1.C75.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C76.T1.SP21.R1.C76.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C77.T1.SP21.R1.C77.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C78.T1.SP21.R1.C78.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P21.R1.C79.T1.SP21.R1.C79.T1 Creation and Amendment of Static DataUnauthorised or fraudulent amendments
P7.R3.C1.T1.S1 P7.R3.C1.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C2.T1.S1 P7.R3.C2.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C3.T1.S1 P7.R3.C3.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C4.T1.S1 P7.R3.C4.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C5.T1.S1 P7.R3.C5.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C6.T1.S1 P7.R3.C6.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C7.T1.S1 P7.R3.C7.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C8.T1.S1 P7.R3.C8.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C9.T1.S1 P7.R3.C9.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C10.T1.S1P7.R3.C10.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C11.T1.S1 P7.R3.C11.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C12.T1.S1P7.R3.C12.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C13.T1.S1P7.R3.C13.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C14.T1.S1P7.R3.C14.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C15.T1.S1P7.R3.C15.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C16.T1.S1P7.R3.C16.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C17.T1.S1P7.R3.C17.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C18.T1.S1P7.R3.C18.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C19.T1.S1P7.R3.C19.T1 Handling of Customer Instructions Customer instructions or complaints no
P7.R3.C20.T1.S1P7.R3.C20.T1 Handling of Customer Instructions Customer instructions or complaints no
P3.R4.C1.T1.S1 P3.R4.C1.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C2.T1.S1 P3.R4.C2.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C3.T1.S1 P3.R4.C3.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C4.T1.S1 P3.R4.C4.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C5.T1.S1 P3.R4.C5.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C6.T1.S1 P3.R4.C6.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C7.T1.S1 P3.R4.C7.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C8.T1.S1 P3.R4.C8.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C9.T1.S1 P3.R4.C9.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C10.T1.S1P3.R4.C10.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C11.T1.S1 P3.R4.C11.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C12.T1.S1P3.R4.C12.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C13.T1.S1P3.R4.C13.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C14.T1.S1P3.R4.C14.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C15.T1.S1P3.R4.C15.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C16.T1.S1P3.R4.C16.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C17.T1.S1P3.R4.C17.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C18.T1.S1P3.R4.C18.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C19.T1.S1P3.R4.C19.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C20.T1.S1P3.R4.C20.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C21.T1.S1P3.R4.C21.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C22.T1.S1P3.R4.C22.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C23.T1.S1P3.R4.C23.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C24.T1.S1P3.R4.C24.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C25.T1.S1P3.R4.C25.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C26.T1.S1P3.R4.C26.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C27.T1.S1P3.R4.C27.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C28.T1.S1P3.R4.C28.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C29.T1.S1P3.R4.C29.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C30.T1.S1P3.R4.C30.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C31.T1.S1P3.R4.C31.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C32.T1.S1P3.R4.C32.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C33.T1.S1P3.R4.C33.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C34.T1.S1P3.R4.C34.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C35.T1.S1P3.R4.C35.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C36.T1.S1P3.R4.C36.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C37.T1.S1P3.R4.C37.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C38.T1.S1P3.R4.C38.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C39.T1.S1P3.R4.C39.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C40.T1.S1P3.R4.C40.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C41.T1.S1P3.R4.C41.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C42.T1.S1P3.R4.C42.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C43.T1.S1P3.R4.C43.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C44.T1.S1P3.R4.C44.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C45.T1.S1P3.R4.C45.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C46.T1.S1P3.R4.C46.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C47.T1.S1P3.R4.C47.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C48.T1.S1P3.R4.C48.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C49.T1.S1P3.R4.C49.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C50.T1.S1P3.R4.C50.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C51.T1.S1P3.R4.C51.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C52.T1.S1P3.R4.C52.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C53.T1.S1P3.R4.C53.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C54.T1.S1P3.R4.C54.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C55.T1.S1P3.R4.C55.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C56.T1.S1P3.R4.C56.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C57.T1.S1P3.R4.C57.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C58.T1.S1P3.R4.C58.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C59.T1.S1P3.R4.C59.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C60.T1.S1P3.R4.C60.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C61.T1.S1P3.R4.C61.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C62.T1.S1P3.R4.C62.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C63.T1.S1P3.R4.C63.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C64.T1.S1P3.R4.C64.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C65.T1.S1P3.R4.C65.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C66.T1.S1P3.R4.C66.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C67.T1.S1P3.R4.C67.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C68.T1.S1P3.R4.C68.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C69.T1.S1P3.R4.C69.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C70.T1.S1P3.R4.C70.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C71.T1.S1P3.R4.C71.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C72.T1.S1P3.R4.C72.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C73.T1.S1P3.R4.C73.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C74.T1.S1P3.R4.C74.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C75.T1.S1P3.R4.C75.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C76.T1.S1P3.R4.C76.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C77.T1.S1P3.R4.C77.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C78.T1.S1P3.R4.C78.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C79.T1.S1P3.R4.C79.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C80.T1.S1P3.R4.C80.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C81.T1.S1P3.R4.C81.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C82.T1.S1P3.R4.C82.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C83.T1.S1P3.R4.C83.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C84.T1.S1P3.R4.C84.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C85.T1.S1P3.R4.C85.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C86.T1.S1P3.R4.C86.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C87.T1.S1P3.R4.C87.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C88.T1.S1P3.R4.C88.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C89.T1.S1P3.R4.C89.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C90.T1.S1P3.R4.C90.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C91.T1.S1P3.R4.C91.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C92.T1.S1P3.R4.C92.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C93.T1.S1P3.R4.C93.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C94.T1.S1P3.R4.C94.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C95.T1.S1P3.R4.C95.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C96.T1.S1P3.R4.C96.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C97.T1.S1P3.R4.C97.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C98.T1.S1P3.R4.C98.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C99.T1.S1P3.R4.C99.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P3.R4.C100.T1.SP3.R4.C100.T1 Cheque Handling & Clearing Theft, loss or misappropriation of valua
P9.R1.C49.T1.S1P9.R1.C49.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C50.T1.S1P9.R1.C50.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C51.T1.S1P9.R1.C51.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C52.T1.S1P9.R1.C52.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C53.T1.S1P9.R1.C53.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C54.T1.S1P9.R1.C54.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C55.T1.S1P9.R1.C55.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C56.T1.S1P9.R1.C56.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C57.T1.S1P9.R1.C57.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C58.T1.S1P9.R1.C58.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C59.T1.S1P9.R1.C59.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C60.T1.S1P9.R1.C60.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C61.T1.S1P9.R1.C61.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C62.T1.S1P9.R1.C62.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C63.T1.S1P9.R1.C63.T1 Physical Access Control Theft, loss or misappropriation of valua
P9.R1.C64.T1.S1P9.R1.C64.T1 Physical Access Control Theft, loss or misappropriation of valua
P10.R1.C22.T1.SP10.R1.C22.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C23.T1.SP10.R1.C23.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C24.T1.SP10.R1.C24.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C25.T1.SP10.R1.C25.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C26.T1.SP10.R1.C26.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C27.T1.SP10.R1.C27.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C28.T1.SP10.R1.C28.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C29.T1.SP10.R1.C29.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C30.T1.SP10.R1.C30.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C31.T1.SP10.R1.C31.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C32.T1.SP10.R1.C32.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C33.T1.SP10.R1.C33.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C34.T1.SP10.R1.C34.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C35.T1.SP10.R1.C35.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C36.T1.SP10.R1.C36.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C37.T1.SP10.R1.C37.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C38.T1.SP10.R1.C38.T1 System Access Rights Unauthorised parties may obtain access
P10.R1.C39.T1.SP10.R1.C39.T1 System Access Rights Unauthorised parties may obtain access
P14.R1.C2.T1.S1P14.R1.C2.T1 Management Information System Incorrect decision making
P14.R2.C3.T1.S1P14.R2.C3.T1 Management Information System Inadequate management monitoring.
P14.R2.C4.T1.S1P14.R2.C4.T1 Management Information System Inadequate management monitoring.
P14.R2.C5.T1.S1P14.R2.C5.T1 Management Information System Inadequate management monitoring.
P14.R2.C6.T1.S1P14.R2.C6.T1 Management Information System Inadequate management monitoring.
P11.R1.C29.T1.S P11.R1.C29.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C30.T1.S P11.R1.C30.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C31.T1.S P11.R1.C31.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C32.T1.S P11.R1.C32.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C33.T1.S P11.R1.C33.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C34.T1.S P11.R1.C34.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C35.T1.S P11.R1.C35.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C36.T1.S P11.R1.C36.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C37.T1.S P11.R1.C37.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C38.T1.S P11.R1.C38.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C39.T1.S P11.R1.C39.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P11.R1.C40.T1.S P11.R1.C40.T1 Organizational Structure, Procedures & The responsibilities and ownership of ac
P13.R1.C4.T1.S1P13.R1.C4.T1 Staffing & back-up arrangements Inaccurate, incomplete or fraudulent tr
P13.R1.C5.T1.S1P13.R1.C5.T1 Staffing & back-up arrangements Inaccurate, incomplete or fraudulent tr
P13.R1.C6.T1.S1P13.R1.C6.T1 Staffing & back-up arrangements Inaccurate, incomplete or fraudulent tr
P13.R1.C7.T1.S1P13.R1.C7.T1 Staffing & back-up arrangements Inaccurate, incomplete or fraudulent tr
P13.R1.C8.T1.S1P13.R1.C8.T1 Staffing & back-up arrangements Inaccurate, incomplete or fraudulent tr
P22.R1.C1.T1.S1P22.R1.C1.T1 Suspense and Sundry Account MonitoriUn-settled entries for more than 30 da
P22.R1.C2.T1.S1P22.R1.C2.T1 Suspense and Sundry Account MonitoriUn-settled entries for more than 30 da
P22.R1.C3.T1.S1P22.R1.C3.T1 Suspense and Sundry Account MonitoriUn-settled entries for more than 30 da
P22.R1.C4.T1.S1P22.R1.C4.T1 Suspense and Sundry Account MonitoriUn-settled entries for more than 30 da
P22.R1.C5.T1.S1P22.R1.C5.T1 Suspense and Sundry Account MonitoriUn-settled entries for more than 30 da
P4.R4.C1.T1.S1 P4.R4.C1.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C2.T1.S1 P4.R4.C2.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C3.T1.S1 P4.R4.C3.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C4.T1.S1 P4.R4.C4.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C5.T1.S1 P4.R4.C5.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C6.T1.S1 P4.R4.C6.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C7.T1.S1 P4.R4.C7.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C8.T1.S1 P4.R4.C8.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C9.T1.S1 P4.R4.C9.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C10.T1.S1P4.R4.C10.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C11.T1.S1 P4.R4.C11.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C12.T1.S1P4.R4.C12.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C13.T1.S1P4.R4.C13.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C14.T1.S1P4.R4.C14.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C15.T1.S1P4.R4.C15.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C16.T1.S1P4.R4.C16.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C17.T1.S1P4.R4.C17.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C18.T1.S1P4.R4.C18.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C19.T1.S1P4.R4.C19.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C20.T1.S1P4.R4.C20.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C21.T1.S1P4.R4.C21.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C22.T1.S1P4.R4.C22.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C23.T1.S1P4.R4.C23.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C24.T1.S1P4.R4.C24.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C25.T1.S1P4.R4.C25.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C26.T1.S1P4.R4.C26.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C27.T1.S1P4.R4.C27.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C28.T1.S1P4.R4.C28.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C29.T1.S1P4.R4.C29.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C30.T1.S1P4.R4.C30.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C31.T1.S1P4.R4.C31.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C32.T1.S1P4.R4.C32.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C33.T1.S1P4.R4.C33.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C34.T1.S1P4.R4.C34.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C35.T1.S1P4.R4.C35.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C36.T1.S1P4.R4.C36.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C37.T1.S1P4.R4.C37.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C38.T1.S1P4.R4.C38.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C39.T1.S1P4.R4.C39.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C40.T1.S1P4.R4.C40.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C41.T1.S1P4.R4.C41.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C42.T1.S1P4.R4.C42.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C43.T1.S1P4.R4.C43.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C44.T1.S1P4.R4.C44.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C45.T1.S1P4.R4.C45.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C46.T1.S1P4.R4.C46.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C47.T1.S1P4.R4.C47.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C48.T1.S1P4.R4.C48.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C49.T1.S1P4.R4.C49.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C50.T1.S1P4.R4.C50.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C51.T1.S1P4.R4.C51.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C52.T1.S1P4.R4.C52.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C53.T1.S1P4.R4.C53.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C54.T1.S1P4.R4.C54.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C55.T1.S1P4.R4.C55.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C56.T1.S1P4.R4.C56.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C57.T1.S1P4.R4.C57.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C58.T1.S1P4.R4.C58.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C59.T1.S1P4.R4.C59.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C60.T1.S1P4.R4.C60.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C61.T1.S1P4.R4.C61.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C62.T1.S1P4.R4.C62.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C63.T1.S1P4.R4.C63.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C64.T1.S1P4.R4.C64.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C65.T1.S1P4.R4.C65.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C66.T1.S1P4.R4.C66.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C67.T1.S1P4.R4.C67.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C68.T1.S1P4.R4.C68.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C69.T1.S1P4.R4.C69.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C70.T1.S1P4.R4.C70.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C71.T1.S1P4.R4.C71.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C72.T1.S1P4.R4.C72.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C73.T1.S1P4.R4.C73.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C74.T1.S1P4.R4.C74.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C75.T1.S1P4.R4.C75.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C76.T1.S1P4.R4.C76.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C77.T1.S1P4.R4.C77.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C78.T1.S1P4.R4.C78.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C79.T1.S1P4.R4.C79.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C80.T1.S1P4.R4.C80.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C81.T1.S1P4.R4.C81.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C82.T1.S1P4.R4.C82.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C83.T1.S1P4.R4.C83.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C84.T1.S1P4.R4.C84.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C85.T1.S1P4.R4.C85.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C86.T1.S1P4.R4.C86.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C87.T1.S1P4.R4.C87.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C88.T1.S1P4.R4.C88.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C89.T1.S1P4.R4.C89.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C90.T1.S1P4.R4.C90.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C91.T1.S1P4.R4.C91.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C92.T1.S1P4.R4.C92.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C93.T1.S1P4.R4.C93.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C94.T1.S1P4.R4.C94.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C95.T1.S1P4.R4.C95.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C96.T1.S1P4.R4.C96.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C97.T1.S1P4.R4.C97.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C98.T1.S1P4.R4.C98.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C99.T1.S1P4.R4.C99.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C100.T1.SP4.R4.C100.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C101.T1.SP4.R4.C101.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C102.T1.SP4.R4.C102.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C103.T1.SP4.R4.C103.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C104.T1.SP4.R4.C104.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C105.T1.SP4.R4.C105.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C106.T1.SP4.R4.C106.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C107.T1.SP4.R4.C107.T1 Remittances Inaccurate incomplete or fraudulent tra
P4.R4.C108.T1.SP4.R4.C108.T1 Remittances Inaccurate incomplete or fraudulent tra
P23.R1.C1.T1.S1P23.R1.C1.T1 Withholding Tax Regulation / Reputation risk
P23.R1.C2.T1.S1P23.R1.C2.T1 Withholding Tax Regulation / Reputation risk
P23.R1.C3.T1.S1P23.R1.C3.T1 Withholding Tax Regulation / Reputation risk
P23.R1.C4.T1.S1P23.R1.C4.T1 Withholding Tax Regulation / Reputation risk
P23.R1.C5.T1.S1P23.R1.C5.T1 Withholding Tax Regulation / Reputation risk
P23.R1.C6.T1.S1P23.R1.C6.T1 Withholding Tax Regulation / Reputation risk
P23.R1.C7.T1.S1P23.R1.C7.T1 Withholding Tax Regulation / Reputation risk
P23.R1.C8.T1.S1P23.R1.C8.T1 Withholding Tax Regulation / Reputation risk
P23.R1.C9.T1.S1P23.R1.C9.T1 Withholding Tax Regulation / Reputation risk
P23.R1.C10.T1.SP23.R1.C10.T1 Withholding Tax Regulation / Reputation risk
P23.R1.C11.T1.S P23.R1.C11.T1 Withholding Tax Regulation / Reputation risk
P23.R1.C12.T1.SP23.R1.C12.T1 Withholding Tax Regulation / Reputation risk
P23.R1.C13.T1.SP23.R1.C13.T1 Withholding Tax Regulation / Reputation risk
P24.R1.C1.T1.S1P24.R1.C1.T1 Control Environment Assessment The responsibilities and ownership of ac
P24.R1.C2.T1.S1P24.R1.C2.T1 Control Environment Assessment The responsibilities and ownership of ac
P24.R1.C3.T1.S1P24.R1.C3.T1 Control Environment Assessment The responsibilities and ownership of ac
P24.R1.C4.T1.S1P24.R1.C4.T1 Control Environment Assessment The responsibilities and ownership of ac
P24.R1.C5.T1.S1P24.R1.C5.T1 Control Environment Assessment The responsibilities and ownership of ac
P24.R1.C6.T1.S1P24.R1.C6.T1 Control Environment Assessment The responsibilities and ownership of ac
P24.R1.C7.T1.S1P24.R1.C7.T1 Control Environment Assessment The responsibilities and ownership of ac
P24.R1.C8.T1.S1P24.R1.C8.T1 Control Environment Assessment The responsibilities and ownership of ac
P25.R1.C1.T1.S1P25.R1.C1.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C2.T1.S1P25.R1.C2.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C3.T1.S1P25.R1.C3.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C4.T1.S1P25.R1.C4.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C5.T1.S1P25.R1.C5.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C6.T1.S1P25.R1.C6.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C7.T1.S1P25.R1.C7.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C8.T1.S1P25.R1.C8.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C9.T1.S1P25.R1.C9.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C10.T1.SP25.R1.C10.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C11.T1.S P25.R1.C11.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C12.T1.SP25.R1.C12.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C13.T1.SP25.R1.C13.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C14.T1.SP25.R1.C14.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C15.T1.SP25.R1.C15.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C16.T1.SP25.R1.C16.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C17.T1.SP25.R1.C17.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C18.T1.SP25.R1.C18.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C19.T1.SP25.R1.C19.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C20.T1.SP25.R1.C20.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C21.T1.SP25.R1.C21.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C22.T1.SP25.R1.C22.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C23.T1.SP25.R1.C23.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C24.T1.SP25.R1.C24.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C25.T1.SP25.R1.C25.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C26.T1.SP25.R1.C26.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C27.T1.SP25.R1.C27.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C28.T1.SP25.R1.C28.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C29.T1.SP25.R1.C29.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C30.T1.SP25.R1.C30.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C31.T1.SP25.R1.C31.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C32.T1.SP25.R1.C32.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C33.T1.SP25.R1.C33.T1 Letter of Credit Financial, customer and reputational ri
P25.R1.C34.T1.SP25.R1.C34.T1 Letter of Credit Financial, customer and reputational ri
P26.R1.C1.T1.S1P26.R1.C1.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C2.T1.S1P26.R1.C2.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C3.T1.S1P26.R1.C3.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C4.T1.S1P26.R1.C4.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C5.T1.S1P26.R1.C5.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C6.T1.S1P26.R1.C6.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C7.T1.S1P26.R1.C7.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C8.T1.S1P26.R1.C8.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C9.T1.S1P26.R1.C9.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C10.T1.SP26.R1.C10.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C11.T1.S P26.R1.C11.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C12.T1.SP26.R1.C12.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C13.T1.SP26.R1.C13.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P26.R1.C14.T1.SP26.R1.C14.T1 Import Bill drawn under LC Improper follow-up for repayment may ex
P27.R1.C1.T1.S1P27.R1.C1.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C2.T1.S1P27.R1.C2.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C3.T1.S1P27.R1.C3.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C4.T1.S1P27.R1.C4.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C5.T1.S1P27.R1.C5.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C6.T1.S1P27.R1.C6.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C7.T1.S1P27.R1.C7.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C8.T1.S1P27.R1.C8.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C9.T1.S1P27.R1.C9.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C10.T1.SP27.R1.C10.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C11.T1.S P27.R1.C11.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C12.T1.SP27.R1.C12.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C13.T1.SP27.R1.C13.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P27.R1.C14.T1.SP27.R1.C14.T1 Advance Payment For Import Processing incomplete, incorrect or unt
P28.R1.C1.T1.S1P28.R1.C1.T1 Open Account Payment Financial, customer and reputational ri
P28.R1.C2.T1.S1P28.R1.C2.T1 Open Account Payment Financial, customer and reputational ri
P28.R1.C3.T1.S1P28.R1.C3.T1 Open Account Payment Financial, customer and reputational ri
P28.R1.C4.T1.S1P28.R1.C4.T1 Open Account Payment Financial, customer and reputational ri
P28.R1.C5.T1.S1P28.R1.C5.T1 Open Account Payment Financial, customer and reputational ri
P28.R1.C6.T1.S1P28.R1.C6.T1 Open Account Payment Financial, customer and reputational ri
P28.R1.C7.T1.S1P28.R1.C7.T1 Open Account Payment Financial, customer and reputational ri
P28.R1.C8.T1.S1P28.R1.C8.T1 Open Account Payment Financial, customer and reputational ri
P28.R1.C9.T1.S1P28.R1.C9.T1 Open Account Payment Financial, customer and reputational ri
P29.R1.C1.T1.S1P29.R1.C1.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C2.T1.S1P29.R1.C2.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C3.T1.S1P29.R1.C3.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C4.T1.S1P29.R1.C4.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C5.T1.S1P29.R1.C5.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C6.T1.S1P29.R1.C6.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C7.T1.S1P29.R1.C7.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C8.T1.S1P29.R1.C8.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C9.T1.S1P29.R1.C9.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C10.T1.SP29.R1.C10.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C11.T1.S P29.R1.C11.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C12.T1.SP29.R1.C12.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C13.T1.SP29.R1.C13.T1 Registration for Import contract Processing incomplete, incorrect or unt
P29.R1.C14.T1.SP29.R1.C14.T1 Registration for Import contract Processing incomplete, incorrect or unt
P30.R1.C1.T1.S1P30.R1.C1.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C2.T1.S1P30.R1.C2.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C3.T1.S1P30.R1.C3.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C4.T1.S1P30.R1.C4.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C5.T1.S1P30.R1.C5.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C6.T1.S1P30.R1.C6.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C7.T1.S1P30.R1.C7.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C8.T1.S1P30.R1.C8.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C9.T1.S1P30.R1.C9.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C10.T1.SP30.R1.C10.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C11.T1.S P30.R1.C11.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C12.T1.SP30.R1.C12.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C13.T1.SP30.R1.C13.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C14.T1.SP30.R1.C14.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C15.T1.SP30.R1.C15.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P30.R1.C16.T1.SP30.R1.C16.T1 Shipping Guarantee Undesired/ inappropriate relationships e
P31.R1.C1.T1.S1P31.R1.C1.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C2.T1.S1P31.R1.C2.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C3.T1.S1P31.R1.C3.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C4.T1.S1P31.R1.C4.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C5.T1.S1P31.R1.C5.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C6.T1.S1P31.R1.C6.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C7.T1.S1P31.R1.C7.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C8.T1.S1P31.R1.C8.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C9.T1.S1P31.R1.C9.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C10.T1.SP31.R1.C10.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C11.T1.S P31.R1.C11.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C12.T1.SP31.R1.C12.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C13.T1.SP31.R1.C13.T1 Bank Guarantee Undesired/ inappropriate relationships e
P31.R1.C14.T1.SP31.R1.C14.T1 Bank Guarantee Undesired/ inappropriate relationships e
P32.R1.C1.T1.S1P32.R1.C1.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C2.T1.S1P32.R1.C2.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C3.T1.S1P32.R1.C3.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C4.T1.S1P32.R1.C4.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C5.T1.S1P32.R1.C5.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C6.T1.S1P32.R1.C6.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C7.T1.S1P32.R1.C7.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C8.T1.S1P32.R1.C8.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C9.T1.S1P32.R1.C9.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C10.T1.SP32.R1.C10.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C11.T1.S P32.R1.C11.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C12.T1.SP32.R1.C12.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C13.T1.SP32.R1.C13.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C14.T1.SP32.R1.C14.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C15.T1.SP32.R1.C15.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C16.T1.SP32.R1.C16.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C17.T1.SP32.R1.C17.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C18.T1.SP32.R1.C18.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C19.T1.SP32.R1.C19.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C20.T1.SP32.R1.C20.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C21.T1.SP32.R1.C21.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C22.T1.SP32.R1.C22.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C23.T1.SP32.R1.C23.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C24.T1.SP32.R1.C24.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C25.T1.SP32.R1.C25.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C26.T1.SP32.R1.C26.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C27.T1.SP32.R1.C27.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C28.T1.SP32.R1.C28.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C29.T1.SP32.R1.C29.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C30.T1.SP32.R1.C30.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C31.T1.SP32.R1.C31.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C32.T1.SP32.R1.C32.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C33.T1.SP32.R1.C33.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C34.T1.SP32.R1.C34.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P32.R1.C35.T1.SP32.R1.C35.T1 Export Bills (Negotiation) Loan disbursement without complete docu
P33.R1.C1.T1.S1P33.R1.C1.T1 Export Collection Loan disbursement without complete docu
P33.R1.C2.T1.S1P33.R1.C2.T1 Export Collection Loan disbursement without complete docu
P33.R1.C3.T1.S1P33.R1.C3.T1 Export Collection Loan disbursement without complete docu
P33.R1.C4.T1.S1P33.R1.C4.T1 Export Collection Loan disbursement without complete docu
P33.R1.C5.T1.S1P33.R1.C5.T1 Export Collection Loan disbursement without complete docu
P33.R1.C6.T1.S1P33.R1.C6.T1 Export Collection Loan disbursement without complete docu
P33.R1.C7.T1.S1P33.R1.C7.T1 Export Collection Loan disbursement without complete docu
P33.R1.C8.T1.S1P33.R1.C8.T1 Export Collection Loan disbursement without complete docu
P33.R1.C9.T1.S1P33.R1.C9.T1 Export Collection Loan disbursement without complete docu
P33.R1.C10.T1.SP33.R1.C10.T1 Export Collection Loan disbursement without complete docu
P33.R1.C11.T1.S P33.R1.C11.T1 Export Collection Loan disbursement without complete docu
P33.R1.C12.T1.SP33.R1.C12.T1 Export Collection Loan disbursement without complete docu
P33.R1.C13.T1.SP33.R1.C13.T1 Export Collection Loan disbursement without complete docu
P33.R1.C14.T1.SP33.R1.C14.T1 Export Collection Loan disbursement without complete docu
P33.R1.C15.T1.SP33.R1.C15.T1 Export Collection Loan disbursement without complete docu
P34.R1.C1.T1.S1P34.R1.C1.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C2.T1.S1P34.R1.C2.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C3.T1.S1P34.R1.C3.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C4.T1.S1P34.R1.C4.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C5.T1.S1P34.R1.C5.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C6.T1.S1P34.R1.C6.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C7.T1.S1P34.R1.C7.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C8.T1.S1P34.R1.C8.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C9.T1.S1P34.R1.C9.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C10.T1.SP34.R1.C10.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C11.T1.S P34.R1.C11.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C12.T1.SP34.R1.C12.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C13.T1.SP34.R1.C13.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C14.T1.SP34.R1.C14.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C15.T1.SP34.R1.C15.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C16.T1.SP34.R1.C16.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C17.T1.SP34.R1.C17.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C18.T1.SP34.R1.C18.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C19.T1.SP34.R1.C19.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C20.T1.SP34.R1.C20.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C21.T1.SP34.R1.C21.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C22.T1.SP34.R1.C22.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C23.T1.SP34.R1.C23.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C24.T1.SP34.R1.C24.T1 Advance Payment Export Loan disbursement without complete docu
P34.R1.C25.T1.SP34.R1.C25.T1 Advance Payment Export Loan disbursement without complete docu
P35.R1.C1.T1.S1P35.R1.C1.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C2.T1.S1P35.R1.C2.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C3.T1.S1P35.R1.C3.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C4.T1.S1P35.R1.C4.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C5.T1.S1P35.R1.C5.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C6.T1.S1P35.R1.C6.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C7.T1.S1P35.R1.C7.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C8.T1.S1P35.R1.C8.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C9.T1.S1P35.R1.C9.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C10.T1.SP35.R1.C10.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C11.T1.S P35.R1.C11.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C12.T1.SP35.R1.C12.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C13.T1.SP35.R1.C13.T1 Forward Contracts Processing of incomplete, incorrect or u
P35.R1.C14.T1.SP35.R1.C14.T1 Forward Contracts Processing of incomplete, incorrect or u
P37.R1.C1.T1.S1P37.R1.C1.T1 Monthly Balancing Reporting risk (incorrect / incomplete
P37.R1.C2.T1.S1P37.R1.C2.T1 Monthly Balancing Reporting risk (incorrect / incomplete
P37.R1.C3.T1.S1P37.R1.C3.T1 Monthly Balancing Reporting risk (incorrect / incomplete
P37.R1.C4.T1.S1P37.R1.C4.T1 Monthly Balancing Reporting risk (incorrect / incomplete
P37.R1.C5.T1.S1P37.R1.C5.T1 Monthly Balancing Reporting risk (incorrect / incomplete
P37.R1.C6.T1.S1P37.R1.C6.T1 Monthly Balancing Reporting risk (incorrect / incomplete
P38.R1.C1.T1.S1P38.R1.C1.T1 Research & Development Breach of regulatory requirements and di
P38.R1.C2.T1.S1P38.R1.C2.T1 Research & Development Breach of regulatory requirements and di
P38.R1.C3.T1.S1P38.R1.C3.T1 Research & Development Breach of regulatory requirements and di
P38.R1.C4.T1.S1P38.R1.C4.T1 Research & Development Breach of regulatory requirements and di
P38.R1.C5.T1.S1P38.R1.C5.T1 Research & Development Breach of regulatory requirements and di
P39.R1.C1.T1.S1P39.R1.C1.T1 Withholding Tax on Export & EDS Breach of regulatory requirements and di
P39.R1.C2.T1.S1P39.R1.C2.T1 Withholding Tax on Export & EDS Breach of regulatory requirements and di
P39.R1.C3.T1.S1P39.R1.C3.T1 Withholding Tax on Export & EDS Breach of regulatory requirements and di
P39.R1.C4.T1.S1P39.R1.C4.T1 Withholding Tax on Export & EDS Breach of regulatory requirements and di
P40.R1.C1.T1.S1P40.R1.C1.T1 General Record Keeping Critical documents like: AWB/BL, accept
P40.R1.C2.T1.S1P40.R1.C2.T1 General Record Keeping Critical documents like: AWB/BL, accept
P40.R1.C3.T1.S1P40.R1.C3.T1 General Record Keeping Critical documents like: AWB/BL, accept
P40.R1.C4.T1.S1P40.R1.C4.T1 General Record Keeping Critical documents like: AWB/BL, accept
P40.R1.C5.T1.S1P40.R1.C5.T1 General Record Keeping Critical documents like: AWB/BL, accept
P40.R1.C6.T1.S1P40.R1.C6.T1 General Record Keeping Critical documents like: AWB/BL, accept
P40.R1.C7.T1.S1P40.R1.C7.T1 General Record Keeping Critical documents like: AWB/BL, accept
P40.R1.C8.T1.S1P40.R1.C8.T1 General Record Keeping Critical documents like: AWB/BL, accept
P40.R1.C9.T1.S1P40.R1.C9.T1 General Record Keeping Critical documents like: AWB/BL, accept
P41.R1.C1.T1.S1P41.R1.C1.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C2.T1.S1P41.R1.C2.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C3.T1.S1P41.R1.C3.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C4.T1.S1P41.R1.C4.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C5.T1.S1P41.R1.C5.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C6.T1.S1P41.R1.C6.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C7.T1.S1P41.R1.C7.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C8.T1.S1P41.R1.C8.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C9.T1.S1P41.R1.C9.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C10.T1.SP41.R1.C10.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C11.T1.S P41.R1.C11.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C12.T1.SP41.R1.C12.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C13.T1.SP41.R1.C13.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C14.T1.SP41.R1.C14.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C15.T1.SP41.R1.C15.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C16.T1.SP41.R1.C16.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C17.T1.SP41.R1.C17.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C18.T1.SP41.R1.C18.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C19.T1.SP41.R1.C19.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C20.T1.SP41.R1.C20.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C21.T1.SP41.R1.C21.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C22.T1.SP41.R1.C22.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C23.T1.SP41.R1.C23.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C24.T1.SP41.R1.C24.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C25.T1.SP41.R1.C25.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C26.T1.SP41.R1.C26.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C27.T1.SP41.R1.C27.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C28.T1.SP41.R1.C28.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C29.T1.SP41.R1.C29.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C30.T1.SP41.R1.C30.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C31.T1.SP41.R1.C31.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C32.T1.SP41.R1.C32.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C33.T1.SP41.R1.C33.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C34.T1.SP41.R1.C34.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P41.R1.C35.T1.SP41.R1.C35.T1 Trade Base Money Laundering Breach of regulatory requirements and di
P42.R1.C1.T1.S1P42.R1.C1.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C2.T1.S1P42.R1.C2.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C3.T1.S1P42.R1.C3.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C4.T1.S1P42.R1.C4.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C5.T1.S1P42.R1.C5.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C6.T1.S1P42.R1.C6.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C7.T1.S1P42.R1.C7.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C8.T1.S1P42.R1.C8.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C9.T1.S1P42.R1.C9.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C10.T1.SP42.R1.C10.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C11.T1.S P42.R1.C11.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C12.T1.SP42.R1.C12.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C13.T1.SP42.R1.C13.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C14.T1.SP42.R1.C14.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C15.T1.SP42.R1.C15.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C16.T1.SP42.R1.C16.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C17.T1.SP42.R1.C17.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C18.T1.SP42.R1.C18.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C19.T1.SP42.R1.C19.T1 Proliferation Financing Breach of regulatory requirements and di
P42.R1.C20.T1.SP42.R1.C20.T1 Proliferation Financing Breach of regulatory requirements and di
KYC Control Name KYC Test Name KYC Enter Step Name
Check branch carried out (EDD) enhanced
Check branchdue carried
diligence
Check
outprocess
(EDD)
branch enhanced
of increased
carried due
outrisk
(EDD)
diligence
customers
enhanced
process
as mentioned
due
of increased
diligence
in CAAML
risk
process
customers
Proced
of incr
Are CAAML and AML & CFT regulat Are CAAML and AML Are & CAAML and AML & CFT regulations followed by the branch for open
Are necessary approvals for incr Are necessary approva Are necessary approvals for increased risk customer & PEP as describe
Does branch carry out proper dueDoes branch carry outDoes branch carry out proper due diligence process of existing custome
Does the staff reassess the risk ofDoes
the client
the staff
on areassess
regular
Does basis,
the the
riskatstaff
ofleast
the
reassess
client
once inonthe
aa1regular
risk
yearoffor
the
basis,
increased
client
at on
least
risk/PEP,
a regular
once inonce
basis,
a 1 year
inat3least
for
years
inc
o
Check transactional volume, amoCheck transactional vCheck transactional volume, amount matches as documented in KYC fo
Check that risk classification of Check that risk classi Check that risk classification of accounts are as per CAAML policy.
Are the exchange company account Are the exchange comp Are the exchange company accounts categorized as “Increased Risk” du
Are the branches closely monitoriAre the branches close Are the branches closely monitoring all activities of exchange company r
Ensure that third party mandate iEnsure that third part Ensure that third party mandate in respect of any account should not be
Ensure that Interview of customeEnsure that Interview Ensure that Interview of customer with BSM is done only when the BM is
Check EDR conducted in case ofCheck tr EDR conducted Check
i EDR conducted in case of transactions in student, house wife and
Check copy of Account opening fo Check copy of Account Check copy of Account opening form and terms & conditions are handed
Check individual accounts openeCheck individual acc Check individual accounts opened for business purpose must clearly sp
Test that key features of the Cu Test that key feature Test that key features of the Customer Relationship Forms (CRFs) are sh
Check Initial deposit receipt is Check Initial deposit Check Initial deposit receipt is issued with ‘Disclaimer’ that account shall
Check CAPSs / Siebel IDs are givCheck CAPSs / SiebelCheck CAPSs / Siebel IDs are given to staffs in branch
Ensure that RM is capturing the CEnsure that RM is capt Ensure that RM is capturing the CRF data in siebel / CAPs before cutoff
Check that RM or designated officCheck that RM or desig Check that RM or designated officer get the thumb/finger impression of p
Ensure that after positive verifi Ensure that after posiEnsure that after positive verification through bio metric, RM generates a
Check documents such as passport, Check documents such Checka documents such as passport, copy allien registration cards etc. a
Check Biometric verification is d Check Biometric verifiCheck Biometric verification is done for authorized signatories where cus
RM/RO enter preliminary data onlRM/RO enter prelimina RM/RO enter preliminary data only and generate “Tentative Account Num
Check TAN handed over to potenti Check TAN handed over Check TAN handed over to potential customer by issuing welcome letter
Check branch RM maintains a list/ Check branch RM maint Check branch RM maintains a list/MIS of all such customers' accounts /
Check Individual, Joint and Sole Check Individual, Joi Check Individual, Joint and Sole proprietor accounts are opened through
Check the data is captured on C Check the data is ca Check the data is captured on CAPS and all the documents are scanned
Ensure that Asaan Account and BB Ensure that Asaan AccEnsure that Asaan Account and BBA accounts are opened with initial de
Check does branch follow and coCheck does branch foCheck does branch follow and complete the review of Top 100 depositor
In order to provide visually impai In order to provide vi In order to provide visually impaired/ blind persons with equitable access
Are next Turnover
Monthly review dates of increaseAre
Monitoring Report –next
Monthly review dates
PDN/Neutral/IR
Turnover Are
Monitoring
Monthly
& PEP: nextReport
review–dates
Turnover of increased,
PDN/Neutral/IR
Monitoring Report neutral
& PEP: and pre-defined
– PDN/Neutral/IR & PEP:neutral risk a
Ensure that Event Driven ReviewEnsure
(EDR) ofthat
allEvent
accounts
Driven
Ensure
appearing
Review
that in (EDR)
Event
"Monthly
Driven
of allTurnover
accounts
ReviewMonitoring
(EDR)
appearing
of all
Report-PDN/Neutral/IR
inaccounts
"Monthlyappearing
Turnover Monito
in&"Mo
PE
Does branch staff maintain MIS i Does branch staff maiDoes branch staff maintain MIS in separate files of IR, Neutral and PDN
Does branch staff generate and rDoes branch staff genDoes branch staff generate and review "Personal Account used for Busin
Does the branch staff extract the Does the branch staffDoes the branch staff extract the report of KYC Exception Monitoring rep
Does the branch staff extract th Does the branch staffDoes the branch staff extract the report of overdue and Near Due Period
Check individual accounts where,Check individual accoCheck individual accounts where, average quarterly credit turnover exce
Check that expected monthly debit Check that expected mo Check that expected monthly debit/credit turnover in account is captured
Check BM checks and reconcilesCheck c BM checks andCheck r BM checks and reconciles copy of CPF with account opening dat
Check accounts having predefined Check accounts having Check accounts having predefined neutral risk classification and exceed
Does staff conduct the physical ve Does staff conduct theDoes staff conduct the physical verification of the accounts pertaining to
Check branch staff maintains datCheck branch staff maCheck branch staff maintains data of accounts closed during each prece
Check monthly turnover in AssanCheck monthly turnove Check monthly turnover in Assan Accounts remains within the defined th
Check non-resident accounts areChecko non-resident acCheck non-resident accounts are opened after proper due diligence in In
Check branch staff extracts the dCheck branch staff extCheck branch staff extracts the daily activity report of Rs0.5M & above fo
Check nature/classification of bu Check nature/classifi Check nature/classification of business/profession is specifically obtaine
Check
Dormantbranch does not retain ot Check
Accounts Dormant branch does not
Accounts Check
Dormant branch
Accounts does not retain other documents of account opening othe
Check reactivations rights of dormant
Check account
reactivations
in system
rights
Check
areofrestricted
reactivations
dormant to account
authorized
rightsinofsystem
dormant
staff only.
areaccount
restrictedin to
system
authorized
are restricted
staff only.to
Check status of dormant to activea Check status of dorman Check status of dormant to activeaccount is changed after completion of
Ensure that reactivation of accouEnsure that reactivati Ensure that reactivation of account is done only upon receipt of written re
Ensure that customer signatures E ansure that customer Ensures that customer signatures are verified on customer activation requ
In cases, where customer could no In cases, where custoIn cases, where customer could not visit the branch for dormant activatio
Ensure that Bio
c. Customers Metrics
whose is also
eligible reEnsure
identity that Bio
c. Customers
documents Metric
whose
are Ensure
other
eligible that
c. Customers Bio
thanidentity Metrics
biometrically
whose
documents is also
eligible
verifiable required
areidentity
other
documents,
thanfor dormant
documents are activation
biometrically
e.g. Passport,
other Aliencases
verifiable
than of i
biometric
Registra
docume
d. Customer’s permanent physical d.disability,
Customer’s e.g.permanent
limbs d.
disability,
Customer’s
physical
uneven
disability,
permanent
texture/
e.g.physical
erased
limbs disability,
/ disability,
unclear uneven
fingerprints,
e.g. limbs
texture/
disability,
etc.erased uneven
/ uncl
Ensure that at the time of activ Ensure that at the ti Ensure that at the time of activation of Dormant account BM/ RM/RO sho
Ensure that the account holder mu Ensure that the accoun Ensure that the account holder must bring original valid CNIC, copy of w
Check statement of account for t Check statement of acCheck statement of account for the period starting from the date the acc
In case activation of a Company In case activation of In case activation of a Company account dormant account request is rec
Check inthat
Ensure case of company
dormant account
activation Check inthat
case
report/Account
Ensure of comp
dormant
Status Check in
Change
activation
Ensure case
report
that isofgenerated
company
report/Account
dormant account
activation
Status the by
branch
and report/Account
signed
Change report BSM
two officers
Status /SBSO
is generated
Change obtains
(one should
and becall
report
signed
iseitg
Check Review of all Dormant Acco Check Review of all DCheck Review of all Dormant Accounts on annual (January) basis is con
Check that duplicate statement oCheck that duplicate Check that duplicate statement of account for dormancy period should b
Ensure that Service charges (mon Ensure that Service cEnsure that Service charges (monthly charge for not maintaining minimu
Ensure where dormant account isEnsure a where dormant Ensure
a where dormant account is activated via other than parent branch
Check
Life that proceeds
Certificate of inwardCertificate
& No-Marriage foCheck that proceeds
Life Certificate oLife
Check
& No-Marriage that
Certificateproceeds
Certificate of inwardCertificate
& No-Marriage foreign remittances or cheque is deposite
Ensure to
Letters that certificates received from
Customers Ensure
Letterspensioners
that
to certificates
Customers wouldLetters
Ensure
be
received
valid that
to for
from
certificates
six pensioners
Customers monthsreceived
from wouldthefrom
date
be valid
pensioners
of issuance
for six months
would
and copy befromvalid
musttheforbe
date
sixkepm
o
Ensure
To ensurethatthat
upon
thereceiving the expiry
branch intimates Ensure
To report
the
ensure thatthat
pension /upon
Expiry
the receiving
Certificate
authorityEnsure
branch
To the
through
ensure that
MIS
expiry
intimates aupon
that fromreport
letter
the
the receiving
CPU,
pension
branch / Expiry
branches
if it fails the
intimates
authority
to Certificate
expiry
receive send report
letters
through
the
Life MIS
pension a/ Expiry
from
toauthority
Certificate their
letter CPU,
Certificate
ifor itrespective
branches
No-Marriage
fails
through MIS
to receivecustom
a send
from
lette
CerLi
Dormancy Dormancy Dormancy
Check
Ensureinthat
case of certificate
after six monthsofif pensioner
noCheck
Ensure inexpired
transactions case
that inofand
after certificate
the notCheck
received
sixaccount
months
Ensure ofin
is pensioner
case
ifthat after
carried
no ofout
6certificate
months
expired
transactions
after six the
months inor
and
ofififpensioner
account
the the
nonot
account
willpensioner
received
isexpired
transactions
be marked after
fails
carried and
6tomonths
indormant
the
out draw
not and
account
the received
pension
orcustomer
accountisif carried
the after
for
willpensco
beo6
w
Deceased Pensioner’s Accounts Deceased Pensioner’sDeceased AccountsPensioner’s Accounts
Upon receipt of notification from account
Upon receipt Officeofornotification
fromUpon
any other
from
receipt reliable
account
of notification
source
Office or the
from
from branch
account
any automatically
otherOffice
reliable
or from
block
source anythethe
other
transaction
branch
reliable au
death ofpension,
Check in case of Family the penCheck
the pensioner’s deatCheck
in case of account
FamilyCheck
pension,
will in
becase
closed death
and a of
theofpensioner’s
Family newthe
pension, pensioner
account
pensioner’s
thewill the
pensioner’s
be samewill
account
closed is reported
account
and bea opened
newwill to
bethe
pensioner’
for
closedconc
wife
Surrender of Undrawn Pension Surrender of UndrawnSurrender Pension of Undrawn Pension
Does the respective ROM ensureDoes that branches
the respective have ROMsurrendered
Doesensure
the respective
undrawn
that branches
ROM
pension ensure
have bysurrendered
debiting
that branches
to pensioner
undrawn
have surrendered
pension
account(s) by fordebitin
undra
con
Ensure that receiving copy of subEnsure that receiving Ensure that receiving copy of submitted letter would be retained in recor
Check whether branch allowed the Check whether branchCheck a whether branch allowed the debit transactions in case of expired
Check automated system is usedCheck f automated syste Check automated system is used for crediting accounts of pensineers of
Check pensioners should be adviCheck pensioners shou Check pensioners should be advised through notice boards/websites, et
Check a list of those pensioners Check a list of those Check a list of those pensioners is provided to respective account officer
Check respective main branches Check w respective main Check respective main branches will extract a report from system latest
The report to be sent to the con The report to be sent The report to be sent to the concerned Govt. Department by courier lates
Are the
CNIC Main Follow-Ups
Expiry branches regularly cCNICAre the Main Follow-Ups
Expiry branchesCNICAre the Main Follow-Ups
Expiry branches regularly contact with concerned officials of the G
Check upon receipt of MIS (Excel) Check
from AMU
upon of receipt
all expired
ofCheck
MISCNIC/NICOPs
(Excel)
upon receipt
from AMU the
of MISBranch
of all
(Excel)
expired
Manager/
fromCNIC/NICOPs
AMU
Branch of all
Service
expired
the Branch
Manager
CNIC/NICOP
Manage
or sta
Check branch makes efforts to obCheck branch makes Check ef branch makes efforts to obtain updated CNIC on the basis of list o
Are dormant
Accounts Special
Closure dueConvertible Are
to Nil Balance dormant
Accounts Special
Closure dueCAre dormant
Accounts
to Nil Balance Special
Closure dueConvertible
to Nil Balance Rupee Accounts (SCRAs) reactivated
Check at the first week of each month, Checkbranches
at the firstextract
week Check
the
of each
report
at the
month,
offirst
Negative
branches
week of balance
each
extract month,
available
the report
branches
in SYMBOL
of Negative
extract system
the
balance
report
“Account
availab
of Ne
Check a written notice is served Check a written noticeCheck a written notice is served (Annexure 4.1-T) to the above account
Check in the
Negative said notice it is to b Negative
Balances Check in the said noticNegative
Balances Check in the said notice it is to be clearly mentioned that in the event of
Balances
Check what
Account efforts are made by branch
Closing Check what
Account for recovery
efforts are
Closing ofAccount
Check
negative
madewhat by balances
branch
efforts for
Closing are
onrecovery
the
made basis byofbranch
ofnegative
reportfor received
balances
recovery during
on
of negative
the thebasis
firstbalance
of
weekrepo
Check before account closures accrued Check before
profit on account
Saving Check
closures
accountsbefore
accrued
areaccount
passed-on
profitclosures
ontoSaving
theaccrued
customer.
accounts profit
For
are
onthis
passed-on
Saving
test, review
accounts
to the deposit
custom
are pas
Obtain system's generated accoun Obtain system's generObtain system's generated account Closure register & verify any uncolle
To check
Minor account closing requestTo
Accounts Minorcheck account closTo
Accounts check
Minor account closing request be timely sent to CPU for account clos
Accounts
Ensure that the minor account holders Ensure age that
is the
recorded
minorEnsure
in
account
a separate
that
holders
theregister
minor
age isaccount
recorded holders
in a separate
age is recorded
register in a separate reg
Ensure that minor accounts are Ensure that minor ac Ensure that minor accounts are exempted from Zakat?
Are the guardians still operatin Are the guardians sti Are the guardians still operating the account even though respective min
The branch / CPU send the letterThe t branch / CPU send The branch / CPU send the letter to the guardian that minor will attain th
Check that cheque books are issuCheck that cheque boo Check that cheque books are issued to the guardian on minor and guard
Check inthat the the
case account
minorclosing foCheck
who attained
Checkthe that
in age
casetheofthe
account
majority
minor
Check
does
whoin that the
attained
not
case want account
the
the ageclosing
tominor
continuewho
of majority
the form
attained jointly
relationship
does
thenot signed
age want
with by
of majority
the the
to continue
bank, minor
doesthen who
the
notfunds attas
relatio
want
To check that minor date of birth To check that minor daTo check that minor date of birth is captured in the system, and client of
Check the accounts opened with Check
ot the accounts ope Check the accounts opened with other then father or mother court order
Ensure that if
Zakat Exemptionminor account is o Ensure that if
Zakat Exemption minor aEnsure that if minor account is opened with both father & mother, then th
Zakat Exemption
Check CZ-50 should be machine Checktime stamped
CZ-50 should
at the time
be
Check
machine
of receiving
CZ-50 time
should
and
stamped
the
be machine
copy
at the
of time
the
time
same
ofstamped
receiving
should
atand
be
thedelivered
the
timecopy
of receiving
to
of custom
the sam
a
Check that CZ-50 accepted from Check
s that CZ-50 acce Check that CZ-50 accepted from sole proprietor and individual customer
Check that CZ-50 accepted from Check
e that CZ-50 acce Check that CZ-50 accepted from existing clients before 1st of Shaban.
Check if branch has accepted fresh
Check
CZ-50
if branch
duringhas
the accepted
period
Checkofif 1st
fresh
branch
Shaban
CZ-50
has till
accepted
during
30th the
Shaban
fresh
period
CZ-50
from
of 1st
those
during
Shaban
customers
the till
period
30th
whose
of
Shaban
1st accou
Shab
fro
Check branch BSM or his/her back Check branch BSM orCheck h branch BSM or his/her backup must retain a copy of CZ -50 in bra
Check branch
Student BSM
/ Widow or his/her/ back
/ Pensioner Check
Salary
Student branch
account
/ WidowofBSMGovt. orEmployees
Check
h
/ Pensioner
Student branch
/ /Salary
Widow BSM
accountor his/her
/ Pensioner of Govt. / backup
Salary
Employeesperformsofsignature
account Govt. Employees verification on
Check that charges not recoveredCheck for non-maintenance
that charges not Check
ofrecovered
accountthat charges
balance
for non-maintenance
not
from recovered
customerof foraccounts
account
non-maintenancebalance
opened in from of
student,
account
customer widow
balan
acc
Check the branch staff conducted
Mail Returned Undelivered / Whereabouts Check the
Mail Returned branch
Unknown stafCheck
UndeliveredMail Returned the branch
/ Whereabouts staff
Undelivered conducted
Unknown the periodic
/ Whereabouts Unknown review of students accoun
Check every incoming mail/returnCheck mail musteverybeincoming
enteredCheck mail/return
into incoming
everymail incoming
mail
must register
be
mail/return
entered
and acknowledge
mail
into incoming
must bethe entered
mail
delivery
register
intotoincoming
the
andconcern
acknow ma
Check upon receipt of undeliver Check upon receipt o Check upon receipt of undelivered statements of accounts from GSD/ C
Check that if any mail is returne Check that if any mai Check that if any mail is returned undelivered the status of account is up
Check that accounts flagged withCheck that accounts fCheck that accounts flagged with whereabouts unknown restraint in the
Check that branches extract "ResCheck that branches eCheck that branches extract "Restraint Report/Return Mail report‟ deploy
Check that WAU restraint is remov Check that WAU restrai Check that WAU restraint is removed only upon receipt of customer's wr
Check branch
Restraint Report maintains MIS for i
C heck branch
Restraint Report maintain C heck branch
Restraint Report maintains MIS for item-wise recording of undelivered state
CheckPublic
Initial that branch
Offer (extracts
IPO / Share the restraint
CheckPublicthat
report
Applications).
Initial branch
on monthly
Offer (extracts
IPO Check
/ basis
Initial the
Share that
Public to
restraint
branch
monitor
Offer (report
Applications).extracts
the accounts
IPO / on
Sharethe
monthly
restraint
markedbasis
Applications). report
under
to monitor
ondifferent
monthly
the accounts
types
basisoftorestrai
marke
monit
Check
Zero that multiple
Balance Accountsapplication forZeroCheck
subscription
that multiple
Balance of shares
Accounts application
Check
Zerolodged that
Balance for
from
multiple
subscription
one account
Accounts applicationof with
shares
fordifferent
subscription
lodgednames fromofone shares
account lodged withfromdiffereon
Check
3) that process
KYC/AML/CFT for monitoring
concerns Check
that may
3) ofKYC/AML/CFT
zero
have that
balance
process
arisen accounts
for3)
during Check
concerns monitoring
accountisthat
that
KYC/AML/CFTfollowed
process
/mayof zerobyconcerns
transaction
have the
for
balance
monitoring
branch
arisen accounts
during
that may of zero
is followed
process.
account
have balance
arisen by
accounts
/ transaction the monitoring
during branch
accountis followed procb
/ transa
4) Minimum
Vault balance as required under
Operations 4) Minimum
Vault Bank’sbalance
Operations policy isas 4)
notrequired
VaultMinimum
maintained.
Operations under
balance Bank’sas required
policy isunder not maintained.
Bank’s policy is not maintained.
Check on 1st day of branch surprise Check visit
onthat1stcash
day ofvault
branch
Check
was on surprise
opened 1st day before
visitofthat
branch
8:45cash AM surprise
vault
and was cash
visitopened
counters
that cash before
were
vault 8:45
ready
wasAM opened
at and
9:00cas AM
be
Check branch opening timing reco Check branch openingCheck branch opening timing recorded in branch opening & closing regis
Check both custodians jointly access Check theboth
vault.custodians Check
jointlyboth access custodians
the vault. jointly access the vault.
Check that designated BSO & Branch CheckService
that designated
Manager/SBSOCheck
BSO that & make
Branch
designated
necessary
Service BSOManager/SBSO
entries
& Branch
in Vault Service
Access
makeManager/SBSO
necessary
Register toentries record
make intimin
Vau
ne
Review CCTV Camera & verify designated Review CCTV custodians
Camera Review
jointly
& verify openCCTVdesignated
/ re-lock
Camera the
custodians
&safe
verify anddesignated
jointly
strongopen room.custodians
/ re-lock the jointly
safeopen and /stron
re-lo
Observe staff does not use their cell Observe
phones staff
during
doesworking
notObserve
use hours
their staff
cell
within
does
phones
counter
not during
use their working
cell phoneshours withinduring counter
working hours within
Observe Vault keys are kept locked Observe
within Vault
custody keys of are
designated
Observe
kept locked Vault
staffwithin
keys
at allare times.
custody
kept locked
of designated
within custody
staff at allof designated
times. staff at
Check cash vault custodians andCheck back-ups cash are
vault
as per
custodians
approved
Check cash and policy.
back-ups
vault custodians are as per andapproved
back-upspolicy. are as per approved policy.
Checkfrom
Cash cuttings
Vaulton
& cash
transfer register
to BSOs were
Check
Cash authenticated
cuttings
from Vaulton & cash
by Cash
Check
senior
transfer register
to cuttings
custodians
from BSOs were
Vaulton authenticated
& bycash affixing
transfer register
to initials/signatures
bywere
BSOs senior authenticated
custodians by by affixing
senior custodians
initials/sig
Check BSM/SBSO
Depositing Cash in transfer
Vault the physical Check BSM/SBSO
Depositing cashCash to individual
in transfer
Check
Vault BSOs
Depositing theBSM/SBSO
physical
against
Cash intheircash
transfer
Vault request
to individual
the through
physical BSOs system
cash against
toand
individual
their
authorize
request
BSOs thethrough
against
same i
Are the designated BSO and
Inter-City Transportation of Excess Branch
Are the
Service
Inter-City designated
Manager/or
Cash Transportation BSO Are his/her
and
the
Inter-City
of ExcessBranch
designated
backup Service
Transportation
Cash jointly
BSO Manager/or
access
and Branch
the
of Excess Cash his/her
vault
Service for backup
depositing
Manager/or
jointly cashhis/her
access in vault/saf
backup
the vau
Check that inter-city cash shipments Check approved
that inter-city
from respective
cash
Check shipments
that
Regional
inter-city
approved
Manager/General
cashfrom shipments
respectiveManager&
approvedRegional from
Regional
Manager/General
respective
Operations Regional Man
Ma
Ensure that cash packed and verified Ensure by that
bothcashcustodians
packed Ensure
inand
front that
verified
ofcash
CCTV bypacked
both custodians
and verified in by
frontboth of CCTV
custodians in front of CCT
Check that cash custodians ascertain Check thethat
genuineness
cash custodians Check
of the ascertain
security
that cashguard’s the
custodians
genuineness
signaturesascertain
ofandthethe
photo
security
genuineness
identity
guard’sfrom ofsignatures
the
the security
list of and
Secu
gu
Are the shipments
Transportation recorded
of Cash - Where in vault
AreArrangement
No cash
the shipments
registerofExists
Transportation accordingly?
recorded
Cash Are the inshipments
Transportation
with
- Where vault
Security cash
No Arrangement
Companyrecorded
of Cash register
- Where accordingly?
in vault
Exists Nowith cash register
Arrangement
Security accordingly?
Company
Exists with Security Co
Check that the Branch Service Manager Check that / BSO theensure
BranchCheck
that
Service
nothat single
Manager
themovement
Branch/ BSO Service
of
ensurecashManager
that
exceedsno /single
BSO
Rs. 5.0 movement
ensure
M (orthat asof prescribed
nocashsingle excee
moan
For sending FCY cash to Islamic
Transportation of Cash to Main Branch For
branches,
sending
Transportation branches
FCY
From SBP/NBP cash
of Cash operating
For
to Islamic
sending
Transportation
(Cash
to Main on branches,
symbols
FCY
Withdrawal)
Branch cash
of Cash
From used
branches
to
- Whereto Islamic
the
SBP/NBP
Main relevant
operating
branches,
Arrangements
Branch
(CashFrom Nostros
on branches
symbols
Withdrawal)
with accounts
SBP/NBP operating
a Securityused
- Where for
(Cash the
settlement
Company relevant
on
Arrangemesymb
Withdrawa areb
Check Branch Service Manager or Check
Branch Branch
services Service
officer
Check
Manager
of respective
Branch or Branch
Service
mainservices
branch
Manager officer
make
or Branch
SBP/NBP
of respective
services
cheque
main
officer
for
branch
cash
of respective
make
withdraw SB
Check staff of Security Company Check receives staff
theofconsignment,
SecurityCheck Company onestaffperson
receives
of Security
signs theCompany
onconsignment,
the receiptreceiveswhile,
onethe person
theconsignment,
second
signs person
on the onereceipt
signs
person asw
To ensure that branch
Transportation of Cashmaintaining To SBP/NBP
ensuretothat
from MainTransportation
Branch accounts
branch
SBP/NBP
of Cash To
reconcile
maintaining
ensure
Transportation
(Cash
from the
Deposit)
Main thatSBP/NBP
same
branch
Branch
of Cashonto maintaining
daily
accounts
from basis
SBP/NBP Mainreconcile
SBP/NBP
(Cash
Branch tothe
Deposit) accounts
same onreconcile
SBP/NBP daily basis
(Cash the sam
Deposit)
To check that SBP/NBP cash deposit To check
letterthat
is prepared
SBP/NBP To
highlighting
cash
checkdeposit thatthe SBP/NBP
letter
denomination
is prepared
cash deposit
andhighlighting
typeletter
of cash
is prepared
the(soiled
denomination
/highlighting
sorted etc.) andthe type
to bd
Ensure that cash contained in sealed Ensure bagthathanded
cash over
contained
Ensure
to respective
inthatsealedcashsecurity
bag
contained
handed
company inover
sealed
against
to respective
bag proper
handed security
acknowledgment
over to company
respective on
agains
ship
sec
Check that one of the staff must reach Checktothat respective
one of the SBP/NBP
Check
staff must that
officereach
one toofreceive
tothe
respective
staff
themust shipment
SBP/NBP
reachfrom to office
respective
Security
to receive
Company
SBP/NBP the shipment
against
office topr fr
r
CheckMain/Standalone
From that designated Officer
Branchwhile Check
toFrom leaving
Other that
Peerthedesignated
SBP/NBP’s
Main/Standalone
Bank (Cash Check
Officer
From
Branchcounter
Deposit)thatwhile
todesignated
Main/Standalonemust
leaving
Other ensure
Peer the
Officer
SBP/NBP’s
that(Cash
Branch
Bank while
copy
to Other leaving
of counter
deposit
Peerthe
Deposit) must
slip
SBP/NBP’s
Bank is(Cash
ensure
obtained that
counter
Deposit)from
copy SBP
mus
of d
cashBranch
Check that depositService
letter/deposit
Manager slipor(notation
Check cash
in
that deposit
his/her “for
Branch onward
absenceletter/deposit
Service
Check credit
Branch cashto
Manager
that slip
deposit
our
Branchor(notation
Manager a/c letter/deposit
#send
inService _____________
his/her “for onward
Manager
request
absence slip credit
(notation
through
Branch
or maintained
in toManager
his/her our
email “fora/c
onward
with
absence
clearly#send_____________
SBP’ credit
should
specifying
Branch
request toMana
our
bet
the
thro
Check thatincash
Branches notes sent in theBranches
the City Check
form ofthat
packets
incash notes
or bundles
the City Check
sent in
Branches with
that
the
inbinding
cash
form notes
ofduly
the City packets
sent
signed
inorthe
bundles
andform
stamped
of
with
packets
binding
by theorBSO.
duly
bundles
signed
Thewith
“sorted”
andbindin
stam
s
Are respective ROMs arrange to Are
send
* Items kept in safe custody (by other respective
* Itemsabove MIS
departments)ROMs
on
kept in safearemonthly
Are
arrange
custody respective
basis
* recorded
Items(byto
kept send
on
other
and ROMs
the
above
in safe SBP
accountedarrange
MIS
prescribed
departments)
custody on to
for.(by monthly
aresend
other format
above
recordedbasis
separately
MIS
on
departments) the
on SBP
monthly
and
and accounted prescribed
share
for. and act
basis
are recorded / send
on
form
th
*Any unclaimed item present in the *Anyvault
unclaimed
is recorded
iteminpresent
*Any
the book
unclaimed
in the vault
itemis present
recordedininthethevault
book is recorded in the book
Check cash is balanced with the Check cash is balanceCheck cash is balanced with the sheet prepared by the each BSO and c
Check at day end cash closing bCheck at day end casCheck at day end cash closing balance positions are maintained as per
Check each/ sorted packet of curCheck each/ sorted paCheck each/ sorted packet of currency notes is stamped “SORTED” with
Check cash counting machine / so Check cash counting m Check cash counting machine / sorting machine are available in the bran
Verify branch maintains record ofVerify branch maintainVerify branch maintains record of fresh currency notes issued to the gen
Check as a matter of practice br Check as a matter of Check as a matter of practice branch is maintaining minimum One day’s
In case of Cash Cell, check brancIn case of Cash Cell, In case of Cash Cell, check branch collects monthly statement from all b
Check packets of all denominatioCheck packets of all Check packets of all denominations should not be stapled
Check entrance of cash area onlyCheck entrance of casCheck entrance of cash area only allowed to unauthorized persons.
Observe if the teller leaves his Observe if the teller Observe if the teller leaves his working area temporarily during working h
Review deposit settlement account Review deposit settlem Review deposit settlement account to verify that BSM passed entries in t
Verify BSM /SBSO change combina Verify BSM /SBSO chan Verify BSM /SBSO change combination password of Fire Proof Cabinet
While physical count check branch While physical count cWhile physical count check branch is maintaining sufficient stock of coins
Check are the sufficient stock of Check are the sufficieCheck are the sufficient stock of foreign currency was available in branch
Are movements of vault keys andAre movements of vaul Are movements of vault keys and combination codes are recorded prope
Has staff been provided training Has staff been provideHas staff been provided training to assess the authenticity of cheques. (
Are duplicate
Cash Insurance vault keys and comAre
& Transportation Cashduplicate
Insurance vault k Cash
Are duplicate
& Transportation
Insurance vault keys and combinations codes maintained in sealed e
& Transportation
Obtain daily bank position sheetsObtainand review
daily cash
bank balances
position
Obtainsheets
todaily
checkand
bank insurance
review
position
cash
cover
sheets
balances
obtained,
and review
to check
whenever
cash
insurance
balances
cash balance
cover
to check
obtaine
exceeins
Is request timely sent to insuran Is request timely sen Is request timely sent to insurance company to obtain over limit cash ins
Is cash always transported throu Is cash always transpIs cash always transported through bank's appointed security agency?
Ensure that cash area always re Ensure that cash areaEnsure that cash area always remained locked.
Is cash kept with teller as per S Is cash kept with tell Is cash kept with teller as per SBP requirement?
Review
Cash cheques paid during workin
Operations Review
Cash cheques paid Cash
Operations Review
du Operations
cheques paid during working hours to see that is cheque pay ou
Ensure/check closing cash balances Ensure/check
maintainedclosing
as perEnsure/check
cash
SBP balances
prescribed closing
maintained
format?cash(SBP
as
balances
per
Let.SBP
No.
maintained
prescribed
Cy.1087/336-2003
asformat?
per SBP (SBP
dated
prescribed
Let.
28.05.0
No.
Check whether the currency notes Check whether the curCheck whether the currency notes bearing slogans of political, religious
Ensure cash kept in the vault s Ensure cash kept in Ensure cash kept in the vault should be marked Sorted and Soiled. Defe
Are special persons given/provid Are special persons gAre special persons given/provided out of queue assistance .
Is each/ sorted packet of curren Is each/ sorted packeIs each/ sorted packet of currency notes stamped “SORTED” with clear i
Ensure that branches with averagEnsure that branches Ensure that branches with average daily payment of Rs 1.5M and above
Ensure that branch is not credit Ensure that branch is Ensure that branch is not crediting cash in companies foreign currency a
Are soiled category currency not Are soiled category c Are soiled category currency notes issued to general public on cash cou
Is branch recovering any chargesIs branch recovering aIs branch recovering any charges on account of cash handling /sorting a
No service
Cash Closingcharges shall be chargeNo service
Cash Closingcharges sha No service
Cash Closing charges shall be charged from the students depositing the am
To check that total cash shown inTo thecheck
summarythat total
should
cashTo
beshown
check
balancedthat
in the
with
total
summary
the
cash
system’s
shown
should balance
inbethebalanced
summary
appearingwith
should
in
therespective
system’s
be balanced
BSO’s
balance
with
ID
Check that BSM/Head BSO verifyCheck that BSM/HeadCheck B that BSM/Head BSO verify the cash physically with the system?
Check that Head BSO/BSO &Branch CheckS that Head BSO/BS Check that Head BSO/BSO &Branch Service Manager jointly access the
Check that vault balancing carriedCheck that vault balanCheck that vault balancing carried out physically with the balance appea
checkDifferences
Cash that cash book signed by CashcheckDifferences
that cash bookcheck that cash book signed by the Head BSO/BSO & Branch Service M
Cash Differences
To check that Respective Area Operation
To checkManager
that Respective
is informed
To check
Areaabout
Operation
that Respective
the shortage/overage
ManagerAreaisOperation
informed
to theabout
Manager
ROMthe withis
shortage/overage
a
informed
copy to about
GM. the to
Check that in cases where overagCheck that in cases wCheck that in cases where overage/shortage of cash in excess of Rs. 10
Check that respective Regional Op Check that respectiveCheck that respective Regional Operation Manager undertakes specific
Ensure that undetected cases of E o nsure that undetected Ensure that undetected cases of overage/shortage for longer period trea
Check
CTR that AOM or staff nominated
Reporting Check
CTRby Reporting
ROM
that AOM
conduct
or staff
quarterly
Check
CTRnominated
that
surprise
ReportingAOM by i.e.
or
ROM staff
physical
conduct
nominated
verification
quarterly
by ROM of
surprise
CPC
conduct
vault
i.e. quarterly
physical
cash. This
verification
surprise
activityi.
CheckBonds
Prize cash transactions (deposits Check
andBonds
Prize withdrawals)
cash transactions
above
Check
(deposits
Prize Rs cash
2.0 M
Bonds transactions
andor equivalent
withdrawals)
(deposits
in other
aboveand
currencies
Rswithdrawals)
2.0 M are
or equivalent
reported
above Rs to
in2.0
AML
other
Munit
or
cure
Take a schedule of prize bond draw, Takeprintout
a schedule
of prize
of prize
bond
Takebond
GL
a schedule
account
draw, printout
and
of prize
compare/analyze
ofbond
prizedraw,
bond printout
GL
theaccount
entries
of prize
and
withbond
compare/analyze
prizeGL
bondaccount
registe at
Are prize bonds sold/purchased dAre prize bonds sold/ Are prize bonds sold/purchased during the shut period?
Check branch prepares vouchersCheck branch prepares Check branch prepares vouchers for prize bond transactions?
Are prize bonds physically reconcAre prize bonds physic Are prize bonds physically reconciled with National Prize Bond imperson
Check all Prize bond transactionsCheck all Prize bond Check all Prize bond transactions above Rs 2.million & above, reported
Does branch send the national priDoes branch send theDoes n branch send the national prize bond report at the time of close of b
To check
Utility Billsthat withholding tax is Utility
To check
Billsthat withholdUtility
To check
Billsthat withholding tax is being deducted on prize bond transactio
Ensure that before accepting payment Ensure teller
thatmust
beforeensure
accepting
Ensure
that the
that
payment
bill
before
is not
teller
accepting
tampered
must ensure
payment
in anythat
way.
teller
the bill
must
is not
ensuretampered
that the
in bill
anyiswn
Ensure that
Cheque Handling In case of network / Ensure that
Cheque HandlingIn case ofEnsure that
Cheque Handling In case of network / system is down due to any reason, the b
Select voucher on sample basis &Select verifyvoucher
deposit on
slips
sample
are
Select
validated
basis
voucher
& verify
through
on sample
deposit
cash basis
slips
validation
are
& verify
validated
printer.
deposit
Inthrough
case
slipsofarecash
non-working
validated
validationthro
of pr
p
Ensure that transactions of Rs 2 Ensure that transacti Ensure that transactions of Rs 20M and above will have to be referred to
Are the customer signature verifieAre the customer signa Are the customer signature verified by the authorized officer as per their
Ensure that cheques paid as per Ensure that cheques pEnsure that cheques paid as per the customers operating instructions of
Customer signature on cheques sCustomer signature on Customer signature on cheques should be matched with the specimen a
Ensure that details of denominatiEnsure that details o Ensure that details of denomination is mentioned on back of the deposit
Are all the cheques carefully scr Are all the cheques caAre all the cheques carefully scrutinized before payment? Cheques of po
Ensure that mutilated cheques shEnsure that mutilated Ensure that mutilated cheques should not be accepted for payment witho
Ensure that cash payment against Ensure that cash paym Ensure that cash payment against bearer cheques drawn in favor of com
To check no Inter Branch FCY CaTo check no Inter Bra To check no Inter Branch FCY Cash deposit/withdrawal is allowed betwe
Ensure cash payment against a be Ensure cash paymentEnsure a cash payment against a bearer cheque drawn in favor of a comp
Cheques should be analyzed in ultr Cheques should be anal Cheques should be analyzed in ultra violet light / IV marker if payment is
The cash against the bearer chequ The cash against the The cash against the bearer cheque only released to the bearer by obta
Check that “Received Cash" stamp Check that “ReceivedCheck that “Received Cash" stamp date should be same as the date me
Check that in case of reversal of Check that in case of Check that in case of reversal of transactions source voucher in placed w
Ensure vouchers, debit and creditEnsure vouchers, debit Ensure vouchers, debit and credit are signed by the authorized officers a
Check that thumb impressions obt Check that thumb imprCheck that thumb impressions obtained on cheques authenticated by br
To check that daily generated repo To check that daily geTo check that daily generated report i.e., ‘daily transaction by branch / of
Are cash payments over the counte Are cash payments over Are cash payments over the counter to third parties for Rs. 300,000 & ab
Ensure In case of online transac Ensure In case of onl Ensure In case of online transaction originator information along with cop
BSM/SBSO shall make a telephonic BSM/SBSO shall make BSM/SBSO
a shall make a telephonic contact to the drawer on his/her reg
To check the person confirming t To check the person cTo check the person confirming the cheque shall record the details with h
To check calls back on Deposits/ To check calls back o To check calls back on Deposits/Payments/Funds Transfers are made on
Ensure online cash transaction c Ensure online cash tr Ensure online cash transaction charges are recovered from the custome
Are all cheques, where signaturesAre all cheques, where Are all cheques, where signatures cannot be verified by the BSO referre
Is penalty charged on returned c Is penalty charged onIs penalty charged on returned cheques is recovered as per bank sched
Ensure no FCY cash deposit / witEnsure no FCY cash de Ensure no FCY cash deposit / withdrawal in business including Sole pro
Ensure branch has obtained acquis Ensure branch has obtEnsure branch has obtained acquisition slip of any FCY cash deposit ov
Ensure process of cash deposit Ensure process of ca Ensure process of cash deposit and withdrawal with SBP/NBP followed
Is copy of CNIC obtained from occ Is copy of CNIC obtainIs copy of CNIC obtained from occasional customers/ Third Party (walk-i
Is originator information obtaine Is originator informat Is originator information obtained along with copy of CNIC while carrying
Ensure ultraviolet lamps are deplEnsure ultraviolet la Ensure ultraviolet lamps are deployed at the branches. (CPD Circular No
Check cash transactions (depositCheck cash transactioCheck cash transactions (deposits and withdrawals) above Rs 2.0 M or e
Check daily vouchers are properlCheck daily vouchers Check daily vouchers are properly sealed?
Are the BSM / BM examine annually Are the BSM / BM exami Are the BSM / BM examine annually, the records retained by the branch
Are the daily vouchers kept in fir Are the daily vouchersAre the daily vouchers kept in fire proof cabinet under dual custody.
Check that BSOs accept the depos Check that BSOs accep Check that BSOs accept the deposit slips from the customers with comp
to check in case transfer request to check in case transto check in case transfer request is received where institution account is
To check that amounts were paidTo o check that amountsTo check that amounts were paid on account of remittance received thro
Check withdrawal slip approval oCheck withdrawal slipCheck withdrawal slip approval obtained by branch as per approval matr
Check only one transition processCheck only one transiCheck only one transition processed on the basis of withdrawal slip from
Check encashment through withdra Check encashment thro Check encashment through withdrawal slip is being processed by custom
Check appropriate narration fed iCheck appropriate narr Check appropriate narration fed in narrative field in system indicating the
Check copy of CNIC of the custoCheck copy of CNIC oCheck copy of CNIC of the customer obtained?
Check if customer made the credit Check if customer made Check if customer made the credit card payment through deposit slip cu
Check withdrawal slip contains thCheck withdrawal slipCheck withdrawal slip contains the notation “Ok to Pay"
Check in case of online transacti Check in case of onlinCheck in case of online transaction, the transaction processing branch w
Check branch recover online (int Check branch recoverCheck branch recover online (intercity) charges from account holder as p
Check customer
Clearing signature obtaine
& Collection Check customer
Clearing signat
& Collection Check customer
Clearing signature obtained on back of the withdrawal slip.M263
& Collection
Does designated staff verify and match
Does designated
the beneficiarystaffDoes
name
verifydesignated
with
and match
the account
staff
the beneficiary
verify
in which
and cheque
match
name with
the
is to
beneficiary
the
be account
credited,
name
inare
which
with
cheques
cheque
the ac
s
Are all necessary stamps affixed Are all necessary sta Are all necessary stamps affixed on the back of the outward clearing ins
Are names and contact numbers Are of names and contact Are names and contact numbers of the depositor mentioned on the depo
All the transactions are process All the transactions All the transactions are processed and authorized as per assignment lim
Are all inward clearing cheques Are all inward cleari Are all inward clearing cheques bearing crossing / endorsement and clea
Is Bank’s special crossing stamp Is Bank’s special cro Is Bank’s special crossing stamp affixed on the face of the cheque imme
Ensure that if the account is cl Ensure that if the ac Ensure that if the account is classified as dormant the cheque should be
Are all outward returned chequesAre all outward returnAre all outward returned cheques marked in the register & cheque return
Check ifthat
cheque returned branches
at standalone unpaid,Check
Check ifthat
cheque
will directly returCheck
at standalone
credit outward
Check ifthat
cheque
branches
clearing
at willreturned
standalone
proceeds unpaid,
directly credit
branches
in instrument
respective
outward is credit
will beneficiary
directly
clearing handed
proceedsover
pensioner
outward to the custo
in respective
account
clearingwi
pr
Check that branches while sendi Check that branches Check that branches while sending MIS to CPU for pensioner account m
If returned cheque not collected If returned cheque notIf returned cheque not collected by the customer within two working days
Original cheque will be retained Original cheque will bOriginal cheque will be retained by branch up to 30 days and branch will
Standalone branches ensure thatStandalone branches Standalone
e branches ensure that all return instruments of Rs 50M & abo
Ensure that summary / clearing sc Ensure that summary Ensure
/ that summary / clearing schedule is prepared in triplicate and sig
Ensure that collection letter gen Ensure that collectionEnsure that collection letter generated through the system.
Ensure that collection reference nEnsure that collectionEnsure that collection reference number is as per register. Designated st
Ensure that copies of all such in Ensure that copies of Ensure that copies of all such instruments, customer deposit slips and sy
Ensure that cheque of dormant aEnsure that cheque ofEnsure that cheque of dormant account is returned except payable to a
Check that the proceeds of cheque Check that the proceeCheck that the proceeds of cheques credited in settlement account is cre
Ensure that if the proceeds of in Ensure that if the pro Ensure that if the proceeds of instruments sent on collection not received
Ensure that in FCY collection ForEnsure that in FCY coEnsure that in FCY collection Form ‘R’ duly signed by the customer and
Ensure that proceeds held up to 2Ensure that proceeds Ensureh that proceeds held up to 21 days if realized thorough cash letters
Ensure that monthly balancing ofEnsure that monthly bEnsure that monthly balancing of outstanding items prepared and is bala
Are inward clearing cheques scruAre inward clearing c Are inward clearing cheques scrutinized before processing?
Are all inward clearing cheques Are all inward cleari Are all inward clearing cheques bearing crossing / endorsement and clea
Whether clearing cheques were Whether clearing ch Whether clearing cheques were returned with ambiguous reasons? (BPD
Ensure that cancellation of FCY Ensure that cancellat Ensure that cancellation of FCY outward remittance reported to SBP as
Are branches ensure collection ofAre branches ensure co Are branches ensure collection of cheques on behalf of their customers
Banks shall ensure that payee acBanks shall ensure thBanks shall ensure that payee account is credited against the proceeds
Banks
In casesshall ensure
where that payee
clearing house acc Banks
is In shall
notcases
availableensure
wherebank tha
Banks
clearing
shall
In shall
cases
house
ensure ensure
where
isthat
notpayeethat
available
clearing payee
account
house account
bank is
shall isagainst
iscredited
notensurecredited
available
thatbankagainst
payee
the shall the proceeds
proceeds
account
ensureof
is that
the
credite
pay
pa
In cases where collecting bank faIn cases where collectIn cases where collecting bank fails to credit payee's account within give
Check that post /stale dated cheqCheck that post /staleCheck that post /stale dated cheques are not received by in inward clear
Prominently
Drop Box displaying the cut-of Prominently
Drop Box displayingProminently
Drop Box displaying the cut-off time for presentment of payment instru
Ensure that drop box is placed inEnsure
ATM roomthatwhere
drop box
guards
is
Ensure
placed
are that
not
in available
ATM
drop room
box during
iswhere
placed
the
guards
innight
ATMare
outside
room
not where
available
the branches
guards
during
are
orthe
those
notnight
availa
bran
ou
Ensure drop box keys recorded inEnsure drop box keysEnsure drop box keys recorded in key register under owners name and d
Drop box opening timings are ob Drop box opening timiDrop box opening timings are observed by the branch and time of drop b
Is drop box opening time mentionIs drop box opening t Is drop box opening time mentioned on access register kept in the drop b
Are contents of drop box enteredAre contents of drop bAre contents of drop box entered in register under dual control and spec
Has branch manager designated Has t branch manager H d as branch manager designated the junior custodian and backup for dro
Ensure that discrepant cheques aEnsure that discrepanEnsure that discrepant cheques are separated and discrepancies noted
Ensure that senior custodian is r Ensure that senior cusEnsure that senior custodian is responsible for bag key while junior custo
Ensure that branch provide MIS oEnsure that branch prEnsure that branch provide MIS of drop box content register to RB, BM &
Ensure that branch provide MIS of Ensure that branch prEnsure that branch provide MIS of return cheque register to RB, CSU &
Are discrepant cheques mailed toAre discrepant
Check that purchase remittance instruments
Check e.g.cheque
that purchase Are
DDsdiscrepant
POs, remittance
Check and
thatMTs cheques
instruments
purchase
etc. mailed
(irrespective
remittance
e.g. toinstruments
POs,of customers
DDs
currency)
and MTsonetc.
e.g. corresponding
POs, DDs andaddress
(irrespective MTs
of curre
etc
POs will not be issued to a non-account
POs willholder
not be/ occasional
issuedPOs
to awill
/non-account
walk
notinbecustomer
issued
holdertoexcept
a/ occasional
non-account
in exceptional
/ walk
holder
incircumstances
customer
/ occasional
except
/ where
walk
in in
excep
such
cus
Check that customer account be Check that customer Check that customer account be used for such issuances i.e. PO / LCY D
For issuance/processing of DD, PFor issuance/processiFor issuance/processing of DD, PO, FDD and Funds Transfer, check tha
Designated staff upon receipt andDesignated staff uponDesignated staff upon receipt and completion of PO issuance / cancellat
Check if all details of purchaser Check if all details o Check if all details of purchaser & beneficiary of PO including CNIC no, a
Ensure purpose of PO is definedEnsure purpose of PO Ensure purpose of PO is defined.
Check that manual pay order is bei Check that manual pay Check that manual pay order is being issued in case of unavailability of s
Ensure Call back confirmation waEnsure Call back confEnsure Call back confirmation was obtained by the branch BSM / SBSO
Check if original Pay Order was hCheck if original Pay Check if original Pay Order was handed over to the customer or his auth
Check for issuance of duplicate PCheck for issuance ofCheck for issuance of duplicate PO, FIR & affidavit on non judicial stamp
Check if original PO is cancelled Check if original PO i Check if original PO is cancelled in system before issuance of duplicate
Check if a copy of Payment InstrCheck if a copy of PaCheck if a copy of Payment Instrument Verification Form is retained for
Check if authenticity of PO was ch Check if authenticity Check if authenticity of PO was checked via Instant Verification Marker.
Check if Calls back confirmatio Check if Calls back Check if Calls back confirmation on Deposits/Payments/Funds Transfers
Is PO outstanding more than 10 yIs PO outstanding morIs PO outstanding more than 10 years deposited / reported to SBP.
Check if representatives provide Check if representati Check if representatives provide authority letter and copy of Computerize
Are charges recovered as per ScAre charges recovereAre charges recovered as per Schedule of Charges (SOC) for issuance
Check that charges for making pay Check that charges forCheck that charges for making pay order / DD any other related instrume
Is demand draft issuance processIs demand draft issuaIs demand draft issuance process followed as per sec 4.8.2(a, b & c)?
Are branches issuing Demand DrAre branches issuing Are branches issuing Demand Drafts drawn on HBL where bank does no
Are demand drafts on HBL issuedAre demand drafts onAre demand drafts on HBL issued information sent to back office treasur
Ensure branches while issuing a Ensure demandbranches
draft of over
while &
Ensure
issuing
abovebranches
Rs.
a demand
200,000/-
whiledraft
would
issuing
of over
send
a&demand
above
an email Rs.
draft
by200,000/-
of
BSM/BM/BSO
over &would
abovesend
to
Rs.
CMU200,
an S e
Ensure that customer and benefi Ensure that customerEnsure that customer and beneficiary name checked from OFAC list and
Are Draft issued in favor of bank Are Draft issued in f Are Draft issued in favor of bank not followed by 'For account of _______
Ensure that original applications Ensure that original a Ensure that original applications kept along with daily transactions vouch
Ensure branch file carbonized coEnsure branch file ca Ensure branch file carbonized copies of DDs separately date wise.
Ensure that DD/FDD is surrendere Ensure that DD/FDD is Ensure that DD/FDD is surrendered in original for cancellation, the branc
Has customer provided the DD/FDD Has customer provided Has customer provided the DD/FDD cancellation request along with the
Ensure customer discharge obtain Ensure customer disch Ensure customer discharge obtained on revenue stamps of appropriate
Ensure that FCY draft endorsed E “ nsure that FCY drafEnsure that FCY draft endorsed “Not used for the Purpose Intended” an
Ensure that cancellation of FCY Ensure that cancellat Ensure that cancellation of FCY outward remittance reported to SBP as
Is notation “Duplicate PO issued Is notation “Duplicat Is notation “Duplicate PO issued in lieu of PO No.__ dated __________”
Ensure amount of cancelled PO/D Ensure amount of canEnsure amount of cancelled PO/DD/FDD credited into purchaser accoun
Is indemnity on the stamp paper re Is indemnity on the st Is indemnity on the stamp paper received if the instrument is lost by the
Is confirmation obtained from iss Is confirmation obtainIs confirmation obtained from issuing branch in case duplicate issuance
Is customer’s account credited d Is customer’s accountIs customer’s account credited directly against indemnity? where duplica
Are instruments bear endorsement Are instruments bear Are instruments bear endorsement along with their rubber stamp from th
To ensure that any debit to UnclaTo ensure that any deb To ensure that any debit to Unclaimed DD payable account will be made
Ensure customer written request E o nsure customer writte Ensure customer written request obtained for revalidation of unclaimed p
Ensure “Revalidation” stamp affi Ensure “Revalidation”Ensure “Revalidation” stamp affixed on instrument contain signatures of
Ensure that copy of revalidated pa Ensure that copy of reEnsure that copy of revalidated payment order & request filed in box file.
To check in case of any request rTo check in case of anTo check in case of any request received form the beneficiaries regardin
Check the details and confirm theCheck the details andCheck the details and confirm the genuineness of the payment instrume
To ensure that lost / stolen ins To ensure that lost / To ensure that lost / stolen instrument intimated to Pan Pakistan branche
Check that Branches reconcile allCheck that Branches re Check that Branches reconcile all the unclaimed & outstanding pay orde
Check if Po issued
Security Stationery in favor of t Check
Security Stationery Check
if Po issued in Securityif Po issued in favor of third party after following SBP guidelines a
Stationery
Master Stock of blank stationery be Master
kept Stock
in the of
dual
blank
custody
Master
stationery
ofStock
/BSM/BSO&
be of
kept
blank
in Remittance
the
stationery
dual custody
be
Officer/UT
kept
of in
/BSM/BSO&
the
in fire
dualproof
custody
Remittance
cabinet
of /BSM/BS
with
Office
trac
Stock register/card be maintainedStock register/card beStock register/card be maintained & physical balancing of stock be carrie
Issuable
Safe stationery
Deposit Box is with the is SafeIssuable stationery
Deposit Box is SafeIssuable stationery
Deposit Box is with the issuance officer during the day while overn
AreBoard
e. SDB Resolution
(Safe Deposit Box) only
(in case Are
issued
SDBtobodies).
of corporate
e. Board (Safe
activeDeposit
account
Resolution Are
(in
e. Box)
holders
SDB
case
Board only
(Safe
of
issued
FBL?
Deposit
ofResolution
corporate tobodies).
active
(in Box)account
case only issued
holders
of corporate tobodies).
active
of FBL?account holders of FB
f. in case of foreign national theirf.passport
in case copies?
of foreign national
f. in case their
of passport
foreign national
copies?their passport copies?
Are all blank spaces in applicati Are all blank spaces Are all blank spaces in application and SSC (Specimen Signature Card)
Are copies of CNICs of all the lo Are copies of CNICs of Are copies of CNICs of all the locker operators obtained and in case of fo
Is screening of locker operators Is screening of locke Is screening of locker operators & mandate performed before opening th
To check locker neither issued to To check locker neitheTo check locker neither issued to a minor nor can a minor be a joint-oper
Check if locker is issued after Check if locker is is Check if locker is issued after 90 days of account opening to increased r
Has the branch BSM or BM approve Has the branch BSM or Has the branch BSM or BM approved the application for issuance of lock
Are vacant locker keys kept in Are vacant locker keyAre vacant locker keys kept in a sealed cloth enforced opaque envelope
Are SS cards & all Safe Deposit Box Are (Lockers)
SS cards & application
all SafeAreDeposit
Forms
SS cardsBox
filed
&(Lockers)
all
in aSafe
serial
Deposit
application
order and
Box Forms
(Lockers)
kept in filed
a fire
application
inproof
a serial
cabinet
Forms
orderunder
and
filed ke
din
Is key deposit received and prop Is key deposit receiv Is key deposit received and properly booked in General ledger and entry
Is rent received properly recorde Is rent received propeIs rent received properly recorded in General Ledger and locker issuanc
Are mandate forms obtained andAre s mandate forms obt Are mandate forms obtained and screening performed as per NCTO if lo
Check branch allowed the three loc Check branch allowedCheck t branch allowed the three locker operators (jointly or singly) where
Is the locker number mentioned iIs the locker number Is the locker number mentioned in all related documents?
Check is all details entered in lo Check is all details e Check is all details entered in locker issuance register?
Check whether branch has obtainCheck whether branchCheck whether branch has obtained customer acknowledgment on locke
Ensure that staff performs cust Ensure that staff per Ensure that staff performs customer CDD of locker holder / POA on e-KY
Check whether branch has sent sca Check whether branchCheck h whether branch has sent scan image of locker forms (all documen
To ensure that staff obtains the puTo ensure that staff obTo ensure that staff obtains the purpose of availing locker facility from lic
Is lockerthe
Access operated
control by the customer
of keys Is locker
and security
Access operated
control by
measures:
the Is locker
of keys
Access operated
andthesecurity by the customer
controlmeasures:
of keys at the
and security time of locker issuance to conf
measures:
Are locker’s vault keys handed over Aretolocker’s
authorizevault
staff
keysasAre
handed
perlocker’s
IOMover
signed
vault
to authorize
keys
by Branch
handed
staff
Service
over
as per
to
Manager?
authorize
IOM signed staff
by as
Branch
per IOM
Service
signed M
Are locker vault and master key Are locker vault and Are locker vault and master keys movement recorded in key movement
Are duplicate Master keys sealedAre in an
duplicate
envelope Master
and kept
keys
Are with
duplicate
sealed
nearest
inMaster
anFBL
envelope
keys
branchsealed
and
or anykept
in other
anwithenvelope
nearest
Bank. and FBLkept branch
withornearest
any othF
Are the surrender
Review lockertokeys
the procedures ke Review
access Are
SDB the surrender loc Review
the procedures Areto the surrender
access SDB lockertokeys
the procedures accesskeptSDB in sealed envelops and under dual cu
Are customer
Review the losssignatures verified Review
of keys procedure: Are
by officer/SDB
customer
the losssignatures
attendant,
of keysAreprocedure:
verified
Reviewand
customer
theby
the time
losssignatures
officer/SDB
ofofkeys
entryprocedure:
verified
and
attendant,
the bytimeofficer/SDB
and
of departure
the timeattendant,
ofisentry
recorded?
and
and the
the time
time o
Are all keys reported loss duly notified
Are allinkeys
writing?
reported lossAre all
dulykeys
notified
reported
in writing?
loss duly notified in writing?
Are customer signatures on the rep Are customer signature Are customer signatures on the report of loss key verified by an officer?
Are the charges for loss key ded Are the charges for l Are the charges for loss key deducted?
Is consent of all existing/new loc Is consent of all exis Is consent of all existing/new locker holders obtained for the insurance c
Is the breakage of the boxes perfIs the breakage of theIs the breakage of the boxes performed by the manufacturer in the prese
Surrender of Lockers: Has custom Surrender of Lockers:Surrender of Lockers: Has customer written request and signature on SS
Ensure that locker allotted in joi Ensure that locker all Ensure that locker allotted in joint name closed on the basis of closing re
Check details of the surrendered Check details of the sCheck details of the surrendered locker’s key will be recorded in the Loc
Check “Safe Deposit Box (Lockers Check “Safe Deposit B Check “Safe Deposit Box (Lockers) Closed Stamp” affixed on every docu
Check locker surrender approve Check locker surrend Check locker surrender approved by BSM.
Check Safe Deposit Box (Lockers) Check Safe Deposit Bo Check Safe Deposit Box (Lockers)/ Lever is changed after surrender of k
Is licensee operate the locker to Is licensee operate thIs licensee operate the locker to check whether the locker vacant or not
Is log for Standards
Security change of forsurrender lo Is
Enhancement logoffor
Security changeofofthe
Security
Standards s Is
for log for Standards
Security
Locker:
EnhancementchangeofofSecurity
surrender
for lockers
Enhancement
of the Locker: keys
of maintained?
Security Ensure that surr
of the Locker:
Are SDB area adequately and reasonably Are SDB secured
area adequately
fromAreall SDB
sides
and reasonably
area
and adequately
the security
securedand
arrangements
from
reasonably
all sides insecured
and
placethearefrom
security
fool
allproof
sides
arrangemen
and
andmeethe
Is corporate
Locker group insurance
Operations – Customer’sfor Locker
Is corporate
Process group insIs
Operations
Flow: corporate
– Customer’s
Locker group insurance
Operations
Process –Flow:
Customer’s for various
Processcategories
Flow: and sizes of lockers
Check that locker operations cards Check
of thethat
customers
locker operations
are
Check
reviewed
that
cards
locker
byofBSMtheoperations
customers cards
are reviewed
of the customers
by BSM are reviewed by BS
Check whether custodian obtained Check whether custodi Check whether custodian obtained locker operation request from lisence
Is operation
Locker of locker allowed t Locker
Operations Is operation of locke Locker
Operations Is operation of locker allowed to customer one by one?
Operations
Is safe deposit box operating request Is safe
datedeposit
and timebox stamped
operating
Is safe through
deposit
requestmachine?
box
dateoperating
and timerequest
stamped date
through
and time
machine?stamped through ma
Is key register maintained? Is key register maintaIs key register maintained?
Check that locker custodian has rCheck that locker custCheck that locker custodian has recorded customer's visit time in the sy
Is locker grill door kept closed d Is locker grill door ke Is locker grill door kept closed during the day?
Check locker operations are not aCheck locker operatioCheck locker operations are not allowed after banking hours.
Is day-end
Locker reconciliation of loc Is
Charges: day-end
Locker reconcilia Is
Charges: day-end
Locker reconciliation of locker operations report and locker access ca
Charges:
Are annual lockers’ charges deducted Are annual
timely lockers’
and enteredcharges
Areinannual
system
deducted
lockers’
andtimely
register?
charges
and entered
deducted in system
timely andandentered
register? in system and
Are charges
Access taken up-front
the procedures at thepayments
of rental Are charges
Access theandtaken
past up-f
proceduresdueAreof charges
Access
accounts:
rental taken up-front
thepayments
procedures and at the
of past
rental due time
payments of issuing
accounts: and pastthe duelocker?
accounts:
Are over due rental payments being Aremonitored?
over due rental paymentsAre over being
due rental
monitored?
payments being monitored?
Are past due Locker holder acco Are past due Locker hAre past due Locker holder accounts flagged "Overdue"?
Are red stickers affixed on the o Are red stickers affix Are red stickers affixed on the over due lockers?
Are letters sent to customers withAre letters sent to cu Are letters sent to customers within 7 days of rent overdue for their inform
Are second and third reminder letAre second and third rAre second and third reminder letters sent to the customers with 30 days
Check In case the rent is overdueCheck In case the rentCheck In case the rent is overdue for a year branch shares MIS with res
Check on expiry of the notice period
period g
Check
given
Check
in the
onnotice,
expiry the not
of the Cperiod
heck
bank
Check break
ongiven
expiry
openinthe thenotice
of the
Safe
notice,period
period
Deposit
thegivengiven
bank
Box in legal
inbreak
(Lockers)
the notice,
notice,
open inthe
the bank
theSafe
bank proceeds
presence
Deposit
break twototh
ofopen
Box in
(L
Are locker operations allowed to Are locker operations Are locker operations allowed to customers. Having overdue rent?
Ensure lost key process properly Ensure lost key proceEnsure lost key process properly followed by the branch as per sec 4.9.7
Is locker master key and grill ke Is locker master key aIs locker master key and grill key of locker room with locker custodian du
Is reconciliation of un-rented ke Is reconciliation of u Is reconciliation of un-rented keys performed on half yearly basis by an i
Ensure at least once in a year (a Ensure at least once Ensure at least once in a year (annual review) BSM must match the Safe
Is monthly reconciliation of the Is monthly reconciliat Is monthly reconciliation of the rent received with lockers records i.e. with
Ensure process of lost items found Ensure process of lostEnsure process of lost items found in locker area is followed by the bran
Is Safe Deposit Box (Lockers) opIs Safe Deposit Box ( Is Safe Deposit Box (Lockers) operation allowed in case of deceased ma
Has branch obtained approvals toHas branch obtained ap Has branch obtained approvals to refer cases to in-house legal advisor f
In case of breakage /damage to tIn case of breakage / In case of breakage /damage to the locker by any means, are the locker
Ensure
Debit thatIssuance
Card at the time of breakagDebit
& Delivery: Ensure thatIssuance
Card at the timEnsure
&Debit thatIssuance
Delivery:
Card at the time of breakage there is no outstanding rent. Also en
& Delivery:
Ensure that branch maintains proper Ensure
record
thatofbranch
ATM Cards
maintains
Ensure
received
that
proper
branch
from
record
the
maintains
card
of ATMcenter
proper
Cards
in the
received
record
ATMofissuance
from
ATMthe
Cards
register.
cardreceived
center infrom
the
Ensure that ATM cards timely issued Ensure
to the
that
customers
ATM cards as
Ensure
timely
per service
that
issued
ATMstandard
tocards
the customers
timely
i.e. 5 days
issued
asofper
to
receipt
the
service
customers
of application.
standard
as i.e.
per5service
days ofstare
Ensure that in case of any discreEnsure that in case ofEnsure that in case of any discrepancy, branch would report to card ope
Ensure that branch will report t Ensure that branch wiEnsure that branch will report to ADC OPS uncollected cards on weekly
ensure that numbers of all shredensure that numbers ensure o that numbers of all shredded cards on daily basis sent to Call Ce
Ensure that replacement fee is wEnsure that replacemeEnsure that replacement fee is waived for FBL staff including FTE, Bank
Ensure that upon receiving FBL dEnsure that upon receEnsure that upon receiving FBL debit cards Branch services manager pu
Ensure that in case of joint accoun Ensure that in case ofEnsure that in case of joint accounts, card will only be issued if operating
Ensure that undelivered Cards are Ensure that undelivereEnsure that undelivered Cards are kept in fire proof cabinet/vault in the d
Ensure that ATM card delivered toEnsure customerthatrepresentative
ATM cardEnsure
delivered
after
that
obtaining
toATM
customer
card
authority
delivered
representative
letter,
to customer
copy
after
of obtaining
CNIC
representative
(original
authority
seen
after
letter,
by
obtainin
desig
cop
Online Branches deliver debit carOnline
e) Illiterate visually impaired/blinde)account Branches
Illiterateholder. delive
Online Branches
visually impaired/blind
e) Illiterate visually deliver debit
accountimpaired/blind
holder. card to customer
account holder. only upon his/her physic
f) Joint
To check accounts (joint operating
branch does not refuseinstructions)
f)issuance
To Joint
check accounts
branch (joint
of ATM does f)operating
/ Debit
To Joint
not
card
check accounts
refuse instructions)
tobranch
literate(joint
issuance
does ofoperating
visually
not
ATM instructions)
impaired/blind
refuse
/ Debitissuance
card account
toof
literate
ATMholders
/visually
Debit against
card
impaired/blind
to literate
duly wi
If undelivered ATM debit card notIf undelivered ATM deb If undelivered ATM debit card not collected by the customer /representat
Ensure that if cards not collectedEnsure that if cards n Ensure that if cards not collected within 60 days the same destroyed (by
Ensure e-mail sent to call center Ensure e-mail sent to Ensure e-mail sent to call center for hot marking the card after destructio
Ensure that combination code keEnsure that combinat Ensure that combination code kept under the custody of BSM and safe k
Ensure that combination code of Ensure that combinatiEnsure that combination code of ATM machine changed at least once in
Ensure that duplicate keys of ATEnsure that duplicate Ensure that duplicate keys of ATM Safe and combination codes are kep
Ensure that monthly
Replenishment balancing
of cash in ATM ofEnsure that monthly
Replenishment of cashbEnsure
in ATMthat monthly
Replenishment balancing
of cash in ATM of undelivered ATM debit cards is done
Ensure only authorized custodianEnsure
opens ATM
only authorized
safes. Ensure custodian
only opens
authorized
ATM custodian
safes. opens ATM safes.
To ensure that that counterfeit n To ensure that that coTo ensure that that counterfeit notes are not fed into the machine and als
Ensure that sufficient cash is avaiEnsure that sufficient Ensure that sufficient cash is available in ATM at all time.
Ensure that for long weekends ma Ensure that for long Ensure that for long weekends maximum cash is fed in the ATM and insu
Ensure that Journal rolls kept in Ensure that Journal roEnsure that Journal rolls kept in original and these rolls are stored in a b
Ensure that branch Service Manager Ensure
& Vault
that branch
BSO or Service
their
Ensure
designated
Manager
that branch
backups
& Vault
Service
BSO
balance
Manager
or their
ATMsdesignated
& Vault
on daily
BSO backups
basis
or their
maximum
balance
designated
byATMs
1 ba
pm
Branch Service Manager or his/he Branch Service Manage Branch Service Manager or his/her back up should ensure that all the ac
Check are details of cash repleniCheck are details of Check are details of cash replenished be entered in the cash register (de
Ensure that actual cash is balancedEnsure that actual cash Ensure that actual cash is balanced with cash journal roll and reconciliat
To ensue that excess/ shortage oTo ensue that excess/To ensue that excess/ shortage of cash over Rs 20,000/- require approva
Are all
ATM overages & shortages acco
Room Are all
ATM overages & shAre
Room ATMall overages & shortages accounts traced out within prescribed time
Room
Ensure lighting and locking arrangements
Ensure lighting
are available
and locking
Ensure
in ATM
arrangements
lighting
booth/cabin
and locking
are
in order
available
arrangements
to ensure
in ATM safety
booth/cabin
are and
available
privacy.
in in
order
ATMtobooth/ca
ensure
Ensure that a complaint / suggesEnsure that a complaiEnsure that a complaint / suggestion box placed in ATM booth and check
Ensure that helpline is installed Ensure that helpline i Ensure that helpline is installed in ATM room?
Ensure that CCTV camera is instal Ensure that CCTV camer Ensure that CCTV camera is installed in ATM room in such way that cus
Ensure thatCredit
Automatic arrangements to consAutomatic
Ensure thatCredit
arrangeme Ensure thatCredit
Automatic arrangements to construct ramps at the entrance of existing
Ensure that cash retraction transactions
Ensure are
thatfollowed
cash retraction
asEnsure
per SBP
transactions
thatcircular
cash retraction
No
arePSD
followed
Circular
transactions
as per
NoSBP
2/2010
arecircular
followed
datedNo08-07-2010.
asPSDper SBP
Circular
circula
No
Ensure that immediately after creEnsure that immediatel Ensure that immediately after crediting account of the customer, they mu
Ensure
Retain /that if customer
Captured Card account Ensure
Retain /that if custom
Captured CardEnsure
Retain /that if customer
Captured Card account debited without cash dispense minimum
Ensure that if card retained / blocked
Ensure
by the
thatATM,
if card
branch
retained
Ensure
removes
/ blocked
that the
if card
by
cardthe
retained
from
ATM,ATM
/branch
blocked
and record
removes
by thethe
ATM,
the
card
card
branch
number
fromremoves
ATM
and details
and the
reco
ca
in
Ensure that CVC value is cut out/Ensure that CVC value Ensure that CVC value is cut out/marker and has not in visible/readable
Ensure that branch also required Ensure that branch alEnsure that branch also required to keep the copy of captured card for re
Does branch deliver the card to rDoes branch deliver t Does branch deliver the card to respective customer against proper iden
Ensure that email is sent to ITMCEnsure that email is Ensure that email is sent to ITMC@faysalbank.com for temporarily warm
Ensure that branch take signed reEnsure that branch taEnsure that branch take signed receipt on FBL standard format and affix
Ensure that branch intimated det Ensure that branch inEnsure that branch intimated details of captured cards as per PSD Circu
Ensure that application form musEnsure that applicati Ensure that application form must be filled up by customer and copy of C
Ensure that original seen of CNICEnsure that original Ensure that original seen of CNIC is placed from officer end on photocop
Ensure that customers collected Ensure that customersEnsure that customers collected the card within 2 days otherwise sent to
Ensure that where customer doesEnsure
n that where cust Ensure that where customer does not approach to collect his card from h
Ensure that details of shredded Ensure that details o Ensure that details of shredded cards be shared with CFC on weekly ba
Ensure that in case Watan card isEnsure that in case Wa Ensure that in case Watan card is captured, the acquirer branch staff ass
Ensure that in case of watan cardEnsure that in case o Ensure that in case of watan cards the acquirer branch send the capture
Ensure that any suspicious card fEnsure that any suspic Ensure that any suspicious card for example plain white plastic cards or
Check that two different authorizedCheck
officers
thatare
twodesignated
different
Check
authorized
by that
BSMtwo toofficers
handle
different
are
cheque
authorized
designated
bookofficers
issuance
by BSM areto
and
designated
handle
delivery
cheque
to
bythe
BSMbook
custom
toiss
ha
To ensure that requests for issuaTo ensure that requestTo ensure that requests for issuance of cheque books in case of second
To ensure that If cheque book notTo ensure that If cheqTo ensure that If cheque book not requested by customer at the time of a
To ensure that if customers requeTo ensure that if cust To ensure that if customers requested for issuance of new cheque books
In absence of Physical presence In absence of PhysicaIn absence of Physical presence of Customer (for lost cheque book requ
Check that all cheque book requiCheck that all chequeCheck that all cheque book requisitions of the existing accounts upon re
Check that all cheque book requiCheck that all chequeCheck that all cheque book requisitions are Machine Date &Time Stamp
Is signature verification done on rIs signature verificati Is signature verification done on requisition slips?
Check that in small branches cheCheck that in small b Check that in small branches cheque book delivery function rests with th
Check that where customer insistCheck that where custCheck that where customer insisted for delivery of cheque book other th
Are all cheque books delivered toAre all cheque books A d re all cheque books delivered to customers in case if he/she will come
Ensure that all cheque book requiEnsure that all chequeEnsure that all cheque book requisition slips from an online branch is rec
Upon receipt of cheque books reqUpon receipt of chequUpon receipt of cheque books requisition slips, branches must ensure to
Ensure that if previous cheque b Ensure that if previo Ensure that if previous cheque book has not been sufficiently utilized in S
Check If the person comes him/her Check If the person coCheck If the person comes him/herself, for submission of requisition slip
Ensure that cheque book requestEnsure c that cheque boo Ensure that cheque book request captured by issuing officer/BSO in sys
Ensure that all requests must be E f nsure that all requesEnsure that all requests must be file date wise along with system report
Ensure that stamp duty/charges ar Ensure that stamp duty Ensure that stamp duty/charges are deducted for all cheque book prior t
Ensure that confirmation letters Ensure that confirmatiEnsure that confirmation letters on prescribed format are sent to custom
Ensure that branch should deliverEnsure
chequethatbook
branch
to authorized
should
Ensuredeliver
representative
that branch
chequeshould
book
of account
todeliver
authorized
holder
chequeifrepresentative
accompanied
book to authorized
ofbyaccount
authority
representa
holder
lette
Ensure that in exceptional cases Ensure that in except Ensure that in exceptional cases where cheque books delivered to custo
The cheque book will not be delivThe cheque book will The cheque book will not be delivered to any bank staff even if he / she h
To check for delivery of cheque bTo check for delivery To check for delivery of cheque book to authorized representative from p
Check if customer has produced Checkhi if customer hasCheck if customer has produced his/her valid original CNIC and the sam
Branch would not deliver the cheqBranch would not deliBranch would not deliver the cheque book to authorized representative o
Ensure that BSM check the total Ensure that BSM check Ensure that BSM check the total cheque book request received during th
Check for Joint, company, partners Check for Joint, compa Check for Joint, company, partnership or trust/association can activate th
Ensure that all cheque books iss Ensure that all chequ Ensure that all cheque books issued to customer are recorded in the reg
Ensure that cheque book deliveryEnsure that cheque boo Ensure that cheque book delivery officer update the issuance / deliver re
Ensure that branches put machine Ensure that branches Ensure that branches put machine time stamp the cheque book producti
Ensure that undelivered cheque bo Ensure that undelivereEnsure that undelivered cheque book is destroyed by the joint custodian
Ensure that reminders sent to theEnsure that remindersEnsure that reminders sent to the account holder for the collection of che
Ensure that if above letter retu Ensure that if above Ensure that if above letter returned undelivered the branch BSM immed
Ensure that all cheque book requis Ensure that all chequeEnsure that all cheque book requisition slips must be filed delivery date-w
Ensure that undelivered cheque bEnsure that undeliver Ensure that undelivered cheque books is kept overnight in the fire proof
Ensure that stocks of undeliveredEnsure that stocks of Ensure that stocks of undelivered cheque books balanced on fortnightly
Ensure that BSM extract the repoEnsure that BSM extraEnsure that BSM extract the report “Cheque Book Issued by Branch” fro
BSM/BM should reconcile / verifyBSM/BM should reconci BSM/BM should reconcile / verify the cheque books delivered to custom
Ensure that SCI restraint is dele Ensure that SCI restr Ensure that SCI restraint is deleted and CBD restraint marked in the sys
Check if the stock of undelivered Check if the stock of Check if the stock of undelivered cheque books is balanced on fortnightl
Ensure IOM as per annexure 4.5-M Ensure IOM as per anne Ensure IOM as per annexure 4.5-M is prepared and first and last leaf of
Designated staff will update and Designated staff will Designated staff will update and record proper notation in the cheque bo
Cheque Book Destroyed (CBD) repo Cheque Book Destroyed Cheque Book Destroyed (CBD) report from KM is provided to branch by
Ensure staff does staff obtain cu Ensure staff does stafEnsure staff does staff obtain customers’ signatures in advance on the re
Asaan Account cheque books willAsaan b Account cheque Asaan
b Account cheque books will be delivered to customers on their visi
Ensure that Original Cheque bookEnsure that Original CEnsure that Original Cheque book requisition slip be attached with the IO
Ensure that CBD report from KM Ensure
i that CBD repor Ensure that CBD report from KM is provided by respective AOM on fortn
Check that cheque book is issuedCheck that cheque boo Check that cheque book is issued to the guardian on minor and guardian
Check Islamic branches
Standing Instructions avoid issCheck
Standing Instructions C
Islamic branche heck Islamic
Standing branches avoid issuance and facilitation to provide conve
Instructions
Ensure that branch staff mention Ensure
the mode thatofbranch
requeststaff
received
Ensure
mention
that
fromthe
branch
customer/
modestaff
of request
representative/
mentionreceived
the modepostfrom
ofetc.
request
customer/
on SIreceived
request
representative/
and
fromitcus
is m
Ensure that Call back and compliEnsure that Call backEnsure that Call back and compliance process performed by the branch
Ensure that e-mails send to CPUEnsure that e-mails s Ensure that e-mails send to CPU are kept in branch records and custom
Ensure that on receipt of request Ensure that on receiptEnsure that on receipt of request for cancellation of SI, request will be m
Check whether branch has informs Check whether branchCheck h whether branch has informs customer in writing if fund transfer re
Ensure that acknowledgment from Ensure that acknowled Ensure that acknowledgment from CPU must be obtained by branch via
Check that
Decease upon receipt of requesDecease
Accounts Check that upon receip
Accounts Check that
Decease upon receipt of request for cancellation of standing instruction
Accounts
Check all the deceased accountsCheck are properly
all the marked
deceasedCheck
asaccounts
"Deceased"
all theare
deceased
under
properly
informative
accounts
marked as are
restraint
"Deceased"
properlyas "DAS'
marked
under as
informative
"Deceased"restra
un
Check that CPU-AMU marked theCheck s that CPU-AMUCheck ma that CPU-AMU marked the specific restraint type (SDA) on all dec
Check that in case of death of Check that in case o Check that in case of death of customer all power of attorney or mandat
Check Branch staff searches throCheck Branch staff seCheck Branch staff searches through the name & CNIC # of deceased in
Ensure that all the letters for ve Ensure that all the le Ensure that all the letters for verification of Succession certificate be add
Ensure that CNIC and account num Ensure that CNIC andEnsure that CNIC and account number is notified to call center through e
Ensure that in case of joint acco Ensure that in case ofEnsure that in case of joint account where mode of operation is either or
Ensure that funds only released aEnsure that funds onlyEnsure that funds only released against production of succession certific
Ensure that in case where account Ensure that in case wh Ensure that in case where account balance is less than Rs. 100,000/- pa
Ensure that where account balance Ensure that where acco Ensure that where account balance is more than Rs 100,000/- the succe
To check after release of funds t To check after releaseTo check after release of funds the all accounts should be closed in syste
To check system does not recoveTo check system doesTo check system does not recover any sort of charges from deceased ac
To
Stopcheck branch maintains the reTo
Payments Stop check branch maintTo
Payments Stop check branch maintains the record of deceased accounts properly
Payments
Check if request received on bank's Checkstationery,
if request
rubber
received
stamp
Check onis
ifbank's
request
requiredstationery,
received
along withrubber
onauthorized
bank's
stampstationery,
is
signatures
required
rubber
along
for corporate
stamp
with is
authorized
required
and com
Check stop payment requests rece Check stop payment re Check stop payment requests received in writing? If request given over t
Check reason for making stop paCheck reason for makiCheck reason for making stop payment request is mentioned on the requ
Upon receipt of written stop paymUpon receipt of writte Upon receipt of written stop payment request completeness of the reque
Ensure that staff check that che Ensure that staff che Ensure that staff check that cheques have not been presented/paid befo
Check stop payments marked immed Check stop paymentsCheck m stop payments marked immediately (within 10 minutes) in system
Check applicable charges recoveCheck applicable chaCheck applicable charges recovered?
Check acknowledgement of stop Check p acknowledgement Check acknowledgement of stop payment on standard printed format sh
Check stop payments release instCheck stop paymentsCheck r stop payments release instructions are obtained in writing and sig
Stop payment request already
Duplicate Account Statement maStop payment request S
Duplicate Account Statement top payment
Duplicate Account request already marked in system should be removed onl
Statement
Duplicate account statements areDuplicate
issued against
account
customer
statements
Duplicate
written
are
account
request
issuedstatements
against
and approval
customer
are of
issued
BSM
written
against
/ BM.
request
customer
and approval
written reque
of BS
Are duplicate account statement Are duplicate accoun Are duplicate account statements delivered against proper acknowledge
Is commission on duplicate issu Is commission on duplIs commission on duplicate issuance recovered as per current Schedule
Ensure branch staff has affixed mEnsure branch staff hEnsure branch staff has affixed machine time stamp and verified custom
Are duplicate account statementsAre duplicate accountAre duplicate account statements delivered to representatives of custom
Is any reference
Check letter,
if branch has w.h.taxoriginal
obtained Is any
Check reference
valid
if branch letteobtained
CNIC from
has Is any reference
customer
Check if original
branch
designatedletter,
valid
has w.h.tax
obtained certificate,
representative
CNIC from
original
customer
and account
valid
attached maintenance
designated
CNIC from
copy certificat
representative
customer
with request
designa
and
and
To check that customer representa To check that customer To check that customer representative’s specimen signatures available o
Check that undelivered SOAs areCheck that undelivereCheck that undelivered SOAs are shredded in the month of Jan and July
MIS of shredded SOAs must be sig MIS of shredded SOAs MIS of shredded SOAs must be signed by two officers of the branch one
check designated staff inform rescheck designated staffcheck designated staff inform respective customer that SoA will be courie
Are designated coordinators appoAre designated coordiAre designated coordinators appointed in Islamabad, Lahore and Karach
Are the requests for verification Are the requests for vAre the requests for verification of accounts /bank statements of Student
Is branch charging
Complaint Handling“processing feIs branch charging
Complaint Handling“p Complaint
Is branch charging
Handling“processing fee” under any head for accounts/ bank s
Check that Floor Service Officer or
Check
BSMthatof the
Floor
branch
Service
Check
daily
Officer
check
that or
Floor
the
BSM complaint
Service
of the Officer
branch
boxes or
installed
daily
BSM check
ofinthe
the
the
branch
branch.
complaint
dailyboxes
checkinstall
the c
Ensure that all written complaint Ensure that all writt Ensure that all written complaints received by the branches should first b
Are customer complains logged inAre customer complain Are customer complains logged in Siebel system & proper record is main
Are customer complains sent to Are customer complain Are customer complains sent to CSU for handling
Are all complaints received by th Are all complaints recAre all complaints received by the branches are time stamped & recorde
To check at the time of complaintTo check at the time oTo check at the time of complaint logs in siebel branch code number is a
To check that customer related Grievances
To check that
for clearing
customer To
issues/complaints
related
check that
Grievances
customer
arefor
referred
related
clearing
Grievances
same
issues/complaints
day tofor
Complaint
clearing
areManagement
issues/complaint
referred sameUn d
To check fraud complaint is refer To check fraud complaTo check fraud complaint is referred to FRM and complaint unit taking se
s the suggestion box placed proms the suggestion box s the suggestion box placed prominently and suggestion cards are also a
Are guidelines
Suspense for dealing with Suspense
Account Are guidelines for de Suspense
Account Are guidelines for dealing with customer complaints strictly adhered by th
Account
Ensure that branch is reconciling Ensure
all the unclaimed
that branch& is
outstanding
Ensure
reconciling
thatpay
all
branch
the
orders
unclaimed
is reconciling
on fortnightly
& outstanding
allbasis
the unclaimed
through
pay orders
reports
& outstanding
onoffortnightly
unclaimed
paybas
ord
p
Are the proofs duly signed by co Are the proofs duly s Are the proofs duly signed by concerned officer & BSM of the branch?
Ensure that if customer i.e. purchEnsure that if customeEnsure that if customer i.e. purchaser approaches for revalidation of Unc
Ensure that branch should file th Ensure that branch sho Ensure that branch should file the copy of revalidated payment order & w
Check if the proofing of all susp Check if the proofing Check if the proofing of all suspense accounts with (break-up & aging wi
Check if the entries booked in theCheck if the entries b Check if the entries booked in the Suspense Accounts are settled in the
Ensure that entries made on accoEnsure that entries mEnsure that entries made on account of tax at source, advance tax paid,
At day end, the BSM/BM to ensur At day end, the BSM/B At day end, the BSM/BM to ensure that the Deposit Settlement account
Administration financial powers aAdministration financ Administration financial powers are being followed by branch for using im
Are relevant bills enclosed with Are relevant bills en Are relevant bills enclosed with expense vouchers?
All the utility / others expenses All the utility / othe All the utility / others expenses should be approved as per schedule of fi
To check that advance tax paid on Toecheck that advanceTot check that advance tax paid on electricity bills correctly calculated
Paid Stamp affixed on all the rel Paid Stamp affixed onPaid Stamp affixed on all the relevant expense bills/vouchers
Check that
Physical staff/client
Access entertain Physical
Control Check that staff/clien
Access Check that
Control
Physical staff/client
Access Controlentertainment should not be claimed from imprest
Ensure that entrance of unauthorized Ensureperson
that entrance
is restricted
of
Ensure
unauthorized
in vault
that/ teller
entrance
person
area.of is
unauthorized
restricted in person
vault / teller
is restricted
area. in vault / teller
Ensure unauthorized persons areEnsure n unauthorized pe Ensure unauthorized persons are not allowed in cash area and list of the
Ensure that BM has designated one Ensure that BM has des Ensure that BM has designated one officer (OM) of the branch as the se
Ensure that branch is opened at 8Ensure that branch is Ensure that branch is opened at 8:45 am and motion detectors deactivat
Ensure that security guards is proEnsure that security gEnsure that security guards is provided a summary set of specific instruc
Ensure that emergency contact nu Ensure that emergency Ensure that emergency contact numbers including police help line, crisis
Ensure
g) that necessary
Current lights,police
residence local suffEnsure that necessary
g)verification
Current residence Ensure
certificate.
g)local that necessary
Current
police residence lights,
verificationlocal sufficient
certificate.
police for clearcertificate.
verification visibility from outside an
Filled duly attested enrollment form Filled
by company
duly attested enrollment
Filled dulyform
attested
by company
enrollment form by company
Ensure that motion detectors, CCEnsure that motion deEnsure that motion detectors, CCTV cameras & burglar alarm checked p
Ensure that Log of surprise checkEnsure that Log of surEnsure that Log of surprise check will also be maintained with the branch
Ensure that replacement with a f Ensure that replacemeEnsure that replacement with a fresh guard must be arranged. BM/ BSM
Ensure that as per FD circular l Ensure that as per FDEnsure that as per FD circular letter number 4 of 2017 dated November
Ensure that after the close of bu Ensure that after the Ensure that after the close of business and during the night, the security
Ensure that under no circumstance Ensure that under no Ensure that under no circumstances at the guards shall leave the branch
Ensure
(9) Any other location consideredEnsure
that a written request m (9) thatby
necessary
Any other alocation
writte Ensure
BM (9) that necessary
considered
Any other alocation
written considered
request
by BM must be granted
necessary by byBMthe BM and the conce
(10) Inside and outside the vault. (10) Inside and outside (10)
theInside
vault. and outside the vault.
Ensure that every branch should E r nsure that every bran Ensure that every branch should require to record and report every abno
Ensured that security guards be Ensured that security Ensured that security guards be identified through NADRA Verisys befor
Ensure that staff identify techn Ensure that staff ide Ensure that staff identify technicians before allowing them access to CCT
Ensure that staff always lock the Ensure that staff alwaEnsure that staff always lock their PCs while going away from their work
Ensure that the CCTV equipmentEnsure i that the CCTVEnsure that the CCTV equipment installed in the branch is password pro
Ensure that external USB (Univers Ensure that external UEnsure that external USB (Universal Serial Bus) ports of desktop person
Ensure that guards be positionedEnsure that guards beEnsure that guards be positioned in a manner that they can observe all v
Ensure that guards are not alloweEnsure that guards are Ensure that guards are not allowed to remain posted at one location for l
Ensure that BM/OM periodically ca Ensure that BM/OM peri Ensure that BM/OM periodically carry out inspection of the premises (on
Ensure that minimum two guardsEnsure p that minimum Ensure
t that minimum two guards posted at all times in high and medium
Ensure that keypad is located at Ensure that keypad isEnsure that keypad is located at a place where its use can not be easily
Are the panic buttons installed i Are the panic buttons Are the panic buttons installed in branch operational and checked on pe
Ensure that all remote security p Ensure that all remot Ensure that all remote security passwords, access to key pad be confine
Ensure that at the end of the dayEnsure that at the endEnsure that at the end of the day the alarm in cash vault and locker room
To ensure that the passwords andTo ensure that the pasTo ensure that the passwords and codes are periodically changed at lea
Does branch notify new contact nDoes branch notify neDoes branch notify new contact numbers to the remote security services
Check whether during weekends Check and whether duringCheck whether during weekends and long holidays random surprise che
Check whether log is being maintCheck whether log is Check whether log is being maintained by branch on daily basis for secu
Ensure all necessary lights are s Ensure all necessary Ensure all necessary lights are switched ON during off hours to cover CC
Do OM/BM ensure that no guard Do is OM/BM ensure that Do OM/BM ensure that no guard is performing duty more than 12 hours
Ensure that alarm system and surEnsure that alarm sysEnsure that alarm system and surveillance equipment periodically tested
Ensure necessary lights, sufficienEnsure necessary light Ensure necessary lights, sufficient for clear visibility from outside and spe
Ensure that branch must have emer Ensure that branch mu Ensure that branch must have emergency first aid box fully stocked with
Ensure that a portable fire exting Ensure that a portableEnsure that a portable fire extinguishers are installed in the branch.
Are identities of guards deployedAre identities of guar Are identities of guards deployed in the branch checked with the security
Ensure that records of data of cuEnsure that records ofEnsure that records of data of customer due diligence (e.g. CNIC, passp
Ensure that main door of the branc Ensure that main doorEnsure o that main door of the branch is reinforced with a grill / shutter and
Ensure that any staff member is nEnsure that any staff Ensure that any staff member is not allowed in branch premises after clo
Ensure a steel latch lock shall beEnsure a steel latch loEnsure a steel latch lock shall be installed inside of the ATM front door fo
Ensure Sufficient lighting be pro Ensure Sufficient ligh Ensure Sufficient lighting be provided outside the ATM area.
Ensure proper frosting is being d Ensure proper frostin Ensure proper frosting is being done on ATM room glass in order to prote
Is fireDefinition
Role drill carried out periodicallyIs fireDefinition
Role drill carried out RoleIs fireDefinition
drill carried out periodically?
Obtain Organization Chart, JDs ofObtain all staff
Organization
and their back Chart,
Obtain
ups,JDs Organization
latest
of alluser
staffprofiles
and
Chart,
their
of
JDs
Symbol
back
of all
ups,
staff
8.5 latest
System
and their
user . Ask
back
profiles
forups,
the
of latest
Symbol
latest revi
use
8
Are assigned roles to individuals Are assigned roles to Are assigned roles to individuals match with their JDs?
Are all IDs authorized from respeAre all IDs authorizedAre all IDs authorized from respective line Managers?
Are exceptions in role approved Are exceptions in ro Are exceptions in role approved by Head IT Security & Risk Managemen
Check that users do not share paCheck that users do nCheck that users do not share passwords in any circumstances.
Check that staff ID (symbols) is Check that staff ID ( Check that staff ID (symbols) is linked with the relevant branch and BSM
Is the assignment of user rights Is the assignment of uIs the assignment of user rights based on pre-defined roles?
Are conflicting roles assigned to Are conflicting roles Are conflicting roles assigned to any individual?
Are dormant activation rights / ro Are dormant activationAre dormant activation rights / role assigned to authorized staff only?
Is entry and authorization both ri Is entry and authorizatIs entry and authorization both rights given to any staff?
AreAnnual
Bi- Tellers Review
assigned of Duplicate
User RolesAcBi-
AreAnnual
Tellers Review
assigned of DUser
AreAnnual
Bi- Tellers assigned
RolesReview of Duplicate
User Roles Account Statement printing rights in syste
Are defined IDs and assigned roles Arereviewed
defined IDs at least
and semi-annually,
assigned
Are defined roles IDs
with
reviewed
and
a formal
assigned
at least
sign-off
roles
semi-annually,
by
reviewed
responsible
atwith
least
business
a formal
semi-annually,
owners?
sign-off by
with
r
Are Exceptions
Creation (e.g. privilege
/ Modification of UsercId Creation
Are Exceptions (e.g. Creation
/ Modification Are Exceptions
of User (e.g. privilege
/IdModification of Userchange,
Id disablement, etc.) if any, reported
Are only rights/roles that formally Are
Transfer/Termination/Resignation requested
only rights/roles
assigned thatto
Are
Transfer/Termination/Resignation
of Employee theformally
only
IDs? rights/roles
requested that
Transfer/Termination/Resignation
of Employee assigned
formallytorequested
ofthe IDs? assigned to the IDs?
Employee
Does branch intimate to HR for any Does resignation
branch intimate
or transfer?
Does
to HRbranch
for anyintimate
resignation
to HRor for
transfer?
any resignation or transfer?
Does ID Management Team Coordin Does ID ManagementDoes T ID Management Team Coordinate with employee to disable his/her
Does ID Management Team enable Does ID ManagementDoes Te ID Management Team enable the employee ID on his day of join-b
Does employee notify the ID Manag
General Does employee notifyGeneral
General Does employee notify the ID Management Team immediately if there is
Ensure role / user ID rights not allocated
Ensure rolewithout
/ user
required
ID rights
Ensure
approvals.
not role
allocated
/ user ID without
rights required
not allocated
approvals.
without required approvals.
Have all employees given mandat Have all employees gHave all employees given mandatory sign-off to Employee IT Security G
Is
Orgassignment of conflicting rightsIs
structure Procedures Orgassignment of confliIOrg
structure Procedures s assignment of conflicting rights/roles restricted to a specified period?
structure Procedures
Obtain latest approved Organization Obtain
chartlatest
of the
approved
branch. Obtain
Organization
Ensure latest
present
approved
chart
set-up
of the
Organization
is branch.
in accordance
Ensure
chart with
of
present
theit. branch.
set-upEnsure
is in accordan
present
Ensure that up to date job descri Ensure that up to dat Ensure that up to date job description of all employees are in place, whic
Ensure that casual Leave being oEnsure that casual LeEnsure that casual Leave being only emergent and incidental in nature m
Ensure that sick Leave where avail Ensure that sick Leave Ensure that sick Leave where availed for more than three (3) days at a ti
Ensure that rotation of branch staEnsure that rotation oEnsure that rotation of branch staff between branches, at least once eve
Ensure that branch staff follow n Ensure that branch staEnsure that branch staff follow no smoking policy.
Ensure that proper leave record iEnsure that proper leaEnsure that proper leave record is maintained, and staff avail the leave a
Ensure leaves taken are in accord Ensure leaves taken ar Ensure leaves taken are in accordance with bank’s policy and PL must b
Ensure that in case of carryover Ensure that in case o Ensure that in case of carryover of PL up to a maximum of 10 working da
Ensure current year leave roster Ensure current year l Ensure current year leave roster is on record and the same was sent to H
Ensure that all the leaves shoul Ensure that all the l Ensure that all the leaves should be updated in HRMS which should be
Ensure that staff follow the HR c Ensure that staff foll Ensure that staff follow the HR circular dated: 16-04-19. regarding dress
Ensure handing over / taking overEnsure handing over /Ensure handing over / taking over procedure followed at the time of staff
Ensure staff wear bank I.D cards Ensure staff wear bank Ensure staff wear bank I.D cards during officer hours.
Ensure that branch is not reimbu Ensure that branch is Ensure that branch is not reimbursing hospitalization expenses. The sam
Check if branch is maintaining a Check if branch is maCheck if branch is maintaining attendance register of staffs by mentionin
Ensure that the branch conducts Ensure t that the brancEnsure that the branch conducts training courses / workshops to give a c
Check BSM has raised the request Check BSM has raised Check BSM has raised the request of BM authorization (Limit authorizati
Check In case BSM is not availabCheck In case BSM isCheck In case BSM is not available in the branch then AOM has raised t
Check limit enhancement requestCheck limit enhanceme Check limit enhancement request has not raised by BM himself.
Check that proper back-up arrangCheck that proper bacCheck that proper back-up arrangement of the staff should be made by t
Check business continuity plan pCheck business continCheck business continuity plan properly maintained and tested.
Obtain the Business Continuity PlObtain the Business CObtain the Business Continuity Plan of the branch and assess whether it
Is fire drill carried out periodicallyIs fire drill carried out Is fire drill carried out periodically?
Does the branch staff familiar wi Does the branch staff Does the branch staff familiar with the BCP details?
Check for any internal & regulatoCheck for any internaCheck for any internal & regulatory policy & procedure update
Check that supervisor’s details o Check that supervisor’Check that supervisor’s details of staff are correct showing in HRMS
Check Board
Notice if staff resumed the office Notice
Check Board
if staff resumedNotice
Check Board
if staff resumed the office during approved leaves following the pr
Has the branch license displayedHas the branch license Has
displayed
the branch license displayed
Has the foreign currency dealing Has the foreign curre Has the foreign currency dealing license been displayed?
Ensure that latest Profit Sharing Ensure that latest ProEnsure that latest Profit Sharing Ratio & Weightages are displayed.(Only
Ensure that updated Shariah Certi Ensure that updated SEnsure that updated Shariah Certificates / Fatwa.
Is circular regarding Timeliness Is circular regarding Is circular regarding Timeliness of Pension Payments through Direct Cre
Have the latest deposit / consu Have the latest deposHave the latest deposit / consumer lending rates been displayed? (SBP
Has the bank’s current schedule Has the bank’s currenHas the bank’s current schedule of charges been displayed?
Is the FX services provided by thIs the FX services proIs the FX services provided by the bank on account of travel, medical an
Is FE circular number 8 of 2015 dIs FE circular number Is FE circular number 8 of 2015 displayed for public awareness regardin
Is FBL whisle below poster (Rais Is FBL whisle below pIs FBL whisle below poster (Raise your voice) displayed at branch?
Is the latest foreign currency rateIs the latest foreign c Is the latest foreign currency rates list displayed?
Is circular for information of IP Is circular for infor Is circular for information of IPS accounts displayed by the branch as req
Is the latest draw list of Nation Is the latest draw lis Is the latest draw list of National Prize Bond displayed? (Conventional br
Is the circular/information regar Is the circular/inform Is the circular/information regarding introduction of BBA (Basic Banking A
Is branch / place name displayedIs branch / place namIs branch / place name displayed on bank signboard. As required by bra
Is list of crises Management dispIs list of crises Mana Is list of crises Management displyed.
The bank will provide option to e The bank will provide The bank will provide option to existing BBA Account holders (Opened in
Is the emergency telephone numbe Is the emergency teleIs the emergency telephone numbers list displayed at prominent place?
Is Contact details of SBP Facili Is Contact details of Is Contact details of SBP Facilitation Centre displayed BPRD 31 2008?
Is dedicated help line (UN numbeIs dedicated help lin Is dedicated help line (UN number) for consumer customers displayed a
*Are utilityyour
Check billscash
accepted
beforehere si *Are
leaving utilityyour
counter,
Check billscash
bank acce
will not *Are
beforebe utility
Check bills
responsible
leaving
your accepted
counter,
cash after
beforehere
bank
leaving signage
leaving
willthe and timing
notcounter.
counter,
be responsible displayed?
bank will
after
notleaving
be responsible
the counte a
* National prize bonds are purchased * National
and soldprizehere.
bonds* are National
purchased
prize bonds
and soldarehere.
purchased and sold here.
is standardization of Customer’s is standardization of is standardization of Customer’s Cheque Layout broucher displayed. As
Is the circular/information regar Is the circular/infor Is the circular/information regarding PRISM displayed?
Is the poster regarding ‘Banking Is the poster regardi Is the poster regarding ‘Banking Mohtasib’ placed prominently?
Are Q & A leaflets and specially Are Q & A leaflets an Are Q & A leaflets and specially designed complaint forms for Banking M
Is notice of working hours and f Is notice of working Is notice of working hours and functions to be performed displayed in bra
Is form “C”, National Tax Numb Is form “C”, Nation Is form “C”, National Tax Number, Branch Working Hours displayed on
Is notice for submission of copy Is notice for submissi Is notice for submission of copy of valid CNIC displayed on notice board
Ensure that latest list of “Uncla Ensure that latest li Ensure that latest list of “Unclaimed Deposit” displayed at a prominent p
Informative Posters for Public Informative Posters Informative Posters for Public Awareness and Handing over of Counterfe
Notice informing general public t Notice informing generNotice informing general public that all currency notes bearing slogans o
Features of currency notes displaFeatures of currency nFeatures of currency notes displayed for public information.
Is notice for "Agriculture Loan A Is notice for "Agricul Is notice for "Agriculture Loan Available Here" displayed in regional and
Is notice of information the secu Is notice of informat Is notice of information the security arrangements on withdrawal of Rs1M
Are the latest audited Financial Are the latest audited Are the latest audited Financial Statements of Faysal Bank Limited displ
Is the FBR's notice of ‘Online Co Is the FBR's notice of Is the FBR's notice of ‘Online Collection of Govt. Taxes & Duties via inter
Is the banner
Record or panaflex be
Retention Is the banner
Record or p
Retention Is the banner
Record or panaflex bearing the description “DONATIONS TO THE
Retention
Ensure that record of any suspicious Ensure
transaction
that record reported
of Ensure
anybysuspicious
the
that
bank
record
transaction
retained
of anytillsuspicious
the
reported
bank by
gets
transaction
thepermission
bank retained
reported
fromtill
by
SBP.
the
the(As
bank
bank
perge
rer
To ensure that bank records are m To ensure that bank reTo ensure that bank records are maintain for a minimum period of five (5
Check
Returnsthat proper seating arrangCheck Returnsthat proper seaCheck Returnsthat proper seating arrangement, drinking water, special assistan
Ensure that all the foreign exchange Ensure
returns
thatsubmit
all the to
foreign
SBP
Ensureexchange
by that
the 3rd
all the
returns
of the
foreign
every
submitexchange
month
to SBP
(violation
returns
by the submit
of
3rdChapter
of the
to SBP
every
No XXII
bymonth
the
Para
3rd
(viol
5ofo
Check that
Staffing FDD issuance
& back-up transacStaffing
arrangements Check that FDD issuan
& back-up Check that
arrangements
Staffing FDD issuance
& back-up transactions is reported in Statement S1 (Sche
arrangements
Ensure that proper back-up arrangement Ensure that of the
proper
staff back-up
should
Ensurebearrangement
that
made proper
by the back-up
ofbranch.
the staffarrangement
should be made
of the by
staff
the
should
branch.be made by
Ensure business continuity plan Ensure business contiEnsure business continuity plan properly maintained and tested.
Obtain the Business Continuity PlObtain the Business CObtain the Business Continuity Plan of the branch and assess whether it
Obtain the regular test result of BObtain the regular testObtain the regular test result of Business Continuity Plan to ensure it is r
Is fire drill carried out periodicallyIs fire drill carried out Is fire drill carried out periodically?
Does the branch
Management staff familiar
Information System wi Management
Does the branch staff Management
Information Does the branch
System staff familiar
Information System with the BCP details?
Are service Quality TATs being observed? Are service Quality TATs Are being
serviceobserved?
Quality TATs being observed?
Is visitor (vendor) log book prop Is visitor (vendor) lo Is visitor (vendor) log book properly maintained at branch?
Is "Save As You Earned Policy" f Is "Save As You EarneIs "Save As You Earned Policy" followed by the Branch?
An intensive exercise has been ca An intensive exercise An intensive exercise has been carried out to reduce the usage of printe
To reduce power 3KVA UPS install To reduce power 3KVA To reduce power 3KVA UPS installed in branches which will save energ
LED lights fixed to reduce electri LED lights fixed to re LED lights fixed to reduce electrical consumption.
Check Installation of DC Inverter Check Installation of Check Installation of DC Inverter AC along with circulation fans.
Minimize usage of diesel generatMinimize usage of dieMinimize usage of diesel generator by operating AC on UPS with longer
Are ATMs converted to renewabl Are ATMs converted tAre ATMs converted to renewable energy sources?
Setting of central heating and co Setting of central hea Setting of central heating and cooling system thermostats to 20°C or low
Lights and appliances are switcheLights and appliancesLights and appliances are switched off, when not in use
Dimmers and motion sensors availa Dimmers and motion sen Dimmers and motion sensors available on lights where possible to contr
Replacement of old appliances Replacement of old Replacement of old appliances with ENERGY STAR appliances
Instalation of awnings, tinted win Instalation of awningsInstalation of awnings, tinted window film, and green cover (trees, vines)
Installion of solar tubes to reduceInstallion of solar tub Installion of solar tubes to reduce the need for indoor lighting, particularly
An inventory is maintained for coAn inventory is maintaAn inventory is maintained for consumption of resources like electricity, w
Special green
In morning thelogos
inwardalong with file
clearing t Special green
Inismorning
extracted logos
thebyinwardaSpecial
the Supervisor
In
clearinggreen
morningfile is logos
/ the
Assistant along
extracted
inward bywith
Manager
clearing
theoftext
file is‘Green
Supervisor
CPU Branch’,
extracted
clearing theare
/ Assistant
by
from displayed
dongle.
Supervisor
Manager on thec
of/ Assist
CPU
Branch wise sealed bags are receBranch wise sealed baBranch wise sealed bags are received in inward clearing from NIFT by 8
Counting of instruments and verific Counting of instruments Counting of instruments and verification with NIFT scroll will be carried o
Checking of instrument regardingChecking of instrumenChecking of instrument regarding amount, matching of words and figures
To ensureManager
Assistant that Cheque, PO/DD
Upto Rsab
To
2.5ensure
Assistant
M Managerthat Cheque To ensure
Assistant
Upto Rs that
2.5Cheque,
ManagerM PO/DD
Upto Rsabove
2.5 MRs 300,000 should be analyzed i
Manager CPU Above RsManager
2.5 M CPU Manager
AboveCPU Rs 2.5 M Above Rs 2.5 M
In case
CPU willofforward
dormantallaccount
Solitairethe In case
cheques
CPU (if offorward
dormant
willspecifically acIn case
allissued
Solitaire
CPU on offorward
will dormant
cheques
designated account
Solitairethe
(ifallspecifically
solitaire same
cheque
cheques
issued will
book)
on be invariably
(if specifically
designated
irrespective returned
issued
solitaire
of amount by CPU.
oncheque
designate
and boo
oth
To ensure that call back confirm To ensure that call b To ensure that call back confirmation >= Rs 1.00 M should be obtained f
To ensure that respective branch To ensure that respectTo ensure that respective branch will confirm notification of the same on
Ensure that Corporate customersEnsure
c that CorporateEnsure that Corporate customers cheques are referred to respective Re
To Ensure that if funds have not To Ensure that if fund To Ensure that if funds have not been available by 12:00 p.m CPU, will r
Cheque Return memos will be prepared
ChequeinReturn
accordance
memos Cheque
with
willReturns
beReturn
prepared
Code
memos
inlist
accordance
provided
will be prepared
under
with Returns
Annexure
in accordance
Code
C oflist
PSD
with
provided
Circular#
Returns
under
Cod
03 A
To ensure that if the cheque are To ensure that if the To ensure that if the cheque are not paid due to any reason will be return
Ensure NIFT return bundle is preEnsure NIFT return buEnsure NIFT return bundle is prepared stating total number of instrumen
Ensure CPU has reversed the cheq Ensure CPU has revers Ensure CPU has reversed the cheque return charges after the approval
To ensure that ambiguous reasonTo ensure that ambig To ensure that ambiguous reason not mentioned on returned memo.
To ensure that cheque returned ch To ensure that chequeTo ensure that cheque returned charges will be recovered manually due
To ensure that copies of branch wTo ensure that copies To ensure that copies of branch wise returned instrument will be filed and
To ensure
Ensure that upon will
Instruments realization
be placedoTo
inensure
Ensure that
a sealed upon
Instruments
bag reEnsure
To
andwill ensure
handed
be placedthat
intoupon
Instruments
over aNIFT
sealedrealization
will andofhanded
representative.
be
bagplaced funds inover
outward
in a sealed bag clearing,
to NIFT
and inward
over norm
representative.
handed to N
Test whether in case of any difference
Test whether
betweeninthecase
total
of
Test
amount
anywhether
difference
of cheques
in case
betweenof
andanythe
NIFT
difference
total
Inward
amount
between
Clearing
of cheques
the
sheet,
totaland
allamount
posting
NIFT of
Inward
will
cheq
be
Check the application of paid andCheck
signature
the application
verificationCheck
of
stamp
paidthe
through
andapplication
signature
UV scanner
of
verification
paidand
andpreparation
stamp
signature
through
verification
of date
UV wise
scanner
stamp
packets
and
through
prepar
of paid
U
Application of paid and signatureApplication of paid anApplication of paid and signature verification stamp through UV scanner
Packets of all cheques must be stPackets of all chequesPackets of all cheques must be stitched in Bundles and appropriately ke
Check balancing in system is init Check balancing in sys Check balancing in system is initiated by adding total amount of realized
Pay Order received against returnPay Order received agPay Order received against returned instrument will be lodged in Outwar
Upon realization of funds in OutwUpon realization of fu Upon realization of funds in Outward Clearing, inward normal clearing ac
CPU will provide photocopy of PaCPU will provide photCPU will provide photocopy of Paid instrument on receiving request from
Toany
If ensure thatisalltoinward
cheque clearingTo
be returned after ensure
If any that
clearing
cheque isalltoinw
hours due To
be If ensure
returned
toany thatis
insufficient
cheque
after alltoinward
clearing
balance orclearing
be returned
hours
anydue
othertransactions
after
to reason,
clearing must
insufficient
CPU,
hours be checked
balance
Clearing
due to by the
orinsufficient
any
will immediat
other baS
rea
In such case CPU will prepare le In such case CPU willIn such case CPU will prepare letter to cheque presenting bank by CPU
After balancing of inward clearin After balancing of in After balancing of inward clearing, inward clearing settlement will be deb
CPU would then debit normal inwCPU would then debitCPU would then debit normal inward RTGS account & credit respective
To ensure that payorder receivedTo ensure that payorde To ensure that payorder received against instrument will be in deposit se
To ensure that all the inward / o To ensure that all the To ensure that all the inward / outward clearing settlement / suspense ac
Check all inward clearing transacCheck all inward clearCheck all inward clearing transactions are checked by supervisor/ depar
All sameCPU,
Ensure day clearing
clearing cheques (1All sameCPU,
daythe
prior to acknowledging
Ensure clearingAll
clearing
receipt ofsame
Ensure
prior day clearing
cheques
to CPU,
acknowledging
clearing cheques
must verify
prior
thethe
to (11:00
receipt
number AM)
acknowledgingandthe
of cheques intercity
of instruments
mustreceipt
and (10:00
verify
of to
deposit
the
cheques1:00
number
slips PM
mus
ph
o
the designated
Ensure Bag staff ofup
(s) are be picked C Ensure theauthorized
by NIFT’s
Bag designated
(s) are berider
Ensure
picked the
from
Bag designated
upCPU,
by
(s)NIFT’s
are
Clearingstaff ofup
beauthorized
picked CPU
at cut-offrideris
bytime affixing
NIFT’s
from received
as advised
CPU,
authorized stamp
Clearing
by NIFT
rider (with
atfrom
cut-off
time
CPU,date
time
toC
Check whether designated user in Check
CPU,whether
Clearingdesignated
compile
CheckMIS
user
whether
batch
in CPU,
wise
designated
Clearing
for uploading
user
compile
ininCPU,
the
MIS system
Clearing
batch in
wise
the
compile
for
morning
uploading
MISof batch
next
in the
wis
wo
Check whether designated user in
Check
CPU whether
match branch
designated
Check
SOFTuser
whether
copies
in CPU
with
designated
NIFT
matchscrolls.
branch
user inSOFT
CPU copies
match with
branch
NIFT
SOFT
scrolls.
copies with
Check whether
Ensure supervisor
all BT related uploadEnsure
Check
transactions (PSO/whether
all
Credit supervi
BT related
Cards) Check
Ensure whether
transactions
are posted
all BT supervisor
manually
(PSO/
relatedCredit
by upload
transactions
the
Cards) the
designated
are transactions
(PSO/
posted
staff
Credit branch
manually
andCards) wise
subsequently
by
arethe withmanu
posted CQC
designated
authorize
Check upon receipt of outward clearing
Check return
upon receipt
alternatively
ofCheck
outward
CPUupon
clearing
prepare
receiptreturn
soft
of copy
outward
alternatively
of all
clearing
debitCPU
vouchers
return
prepare
alternatively
(branch
soft copy
wise)
CPU
ofthrough
all
prepare
debits
Check whether transactions (Credit
Check
or Debit)
whether
which
transactions
areCheck
rejected
(Credit
whether
after or
processing
transactions
Debit) which
through
(Credit
are rejected
upload
or Debit)
option
after
which
processing
dueare
to rejected
anythrough
restraint,
after
uploa
pro
err
CPU willwhether
Ensure ensure system
that Payee accoun
CPU
is generating
Ensure willwhether
reportensure thatvouchers
on debit PCPU
systemEnsure willwhether
ensure
is generating
for that credit
all debit/
report
system Payee account
onisdebit
generating
transactions
vouchers isreport
credited
& for
cross
on against
all debit/
debit
checked the
vouchers
credit
and proceeds
transactions
signed
for allby of tt
deb
Check whether outward clearing isCheck
considered
whether balanced
outwardCheck
ifclearing
the whether
totalisamount
considered
outwardof realized
clearing
balanced instruments
is ifconsidered
the total&amount
returned
balanced ofcheques
realized
if the totalis
instrum
same
amou
Check whether difference between Check
total whether
amount of difference
outward
Check between
clearing
whether &
total
difference
NIFTamount
sheetbetween
of
is outward
identifiedtotal
clearing
through
amount &daily
of
NIFT
outward
branch
sheetclearing
is
officer
identified
repor
&N
Ensure that after balancing of Outward
EnsureClearing
that after
entries
balancing
Ensure
with NIFT
ofthat
Outward
clearing
after balancing
Clearing
sheet, outward
entries
of Outward
with
clearing
NIFT
Clearing
settlement
clearing
entries
sheet,
GL
withisoutward
NIFT
creditedclearin
clea
by
Check whether CPU, clearing is debiting
Check whether
respective
CPU,settlement
Check
clearingwhether
account
is debiting
CPU,
& crediting
respective
clearing respective
is
settlement
debiting Outward
respective
accountRTGS& settlement
crediting
account. respective
account &
Ensure whether deposit SettlementEnsure
Accountwhether
is credited
deposit
Ensure
bySettlement
CPU- whether
Clearing
Account
deposit
upon isSettlement
realization
credited byof Account
CPU-
InwardClearing
isCollection
credited
upon by
cheques
realization
CPU- Clearing
in Outw
of In
Check whether CPU Collection isCheck
debitingwhether
Deposit
CPUSettlement
Collection
Check whether
Account
is debiting
CPU
and crediting
Deposit
CollectionSettlement
relevant
is debiting COC
Account
Deposit
settlement
and
Settlement
crediting
accountAccount
relevant
to settleaC
Ensure an excel sheet is being created,
Ensure showing
an excelamount
sheetEnsure
is&being
account
ancreated,
excel
numbers
sheet
showing
and
is being
reasons
amountcreated,
&foraccount
all
showing
instruments
numbers
amount returned
and
& account
reasons
in Outwanum
for
Details of all returned cheques wDetails of all return Details of all returned cheques will also be noted in Branch wise excel ba
Returned Instruments should be ha Returned InstrumentsReturned
s Instruments should be handed over to authorized staff / rider o
Branch wise deposit slips / vouchBranch
Check whether designated clearing Check wise deposit
staffwhether
cross check sl
Branch
designated
allCheck wise
transactions
clearing
whetherdeposit
staff
through slips
designated
cross / voucher
system
check
clearing bundles
generated willcheck
all transactions
staff cross
report bethird
prepared
through
of allparty
systemand stitche
transactions
Module
generatethro
to a
Check whether
Ensure whetherevidence of theofsam
reconciliation Check A/C
RTGS
Ensurewhether
whether evidenc
Check is
(outward/inward)
Ensure whether
reconciliationwhether
of
carried
RTGSevidence of theevidence
reconciliation
out
A/C
daily ofsame
(outward/inward)
and RTGSisA/C
provided
of
is carried
the by signing
(outward/inward)
sameoutisdaily respective
provided
and
isevidence
carried
by superc
o
Ensure crossed/payee account cheq Ensure crossed/payeeEnsure a crossed/payee account cheque verified with the title of account in
Ensure cheque
Assistant Manager drawn on dormantEnsure
Unlimited cheque drawn Ensure
Assistant Manager Assistanto cheque
Unlimited
Manager drawn on dormant
Unlimited account should invariably be returned
Manager CPU Unlimited
Manager CPU ManagerUnlimited
CPU Unlimited
To ensure that transactions shou To ensure that transa To ensure that transactions should not be authorized in the system unles
Ensure clearing stamp/endorsemen Ensure clearing stampEnsure clearing stamp/endorsement stamp affixed on face/back of instru
Check instruments received afterCheck instruments recCheck instruments received after 3:30 p.m are sent to CPU on next work
Check in case of difference if a Check in case of diff Check in case of difference if any, same corrected by CPU & informed to
Check crediting fate against instrCheck crediting fate aCheck crediting fate against instruments initiated in after noon by user in
In case of fate received against In case of fate recei In case of fate received against dormant/blocked marked account, Same
After balancing of outward cleari After balancing of out After balancing of outward clearing with NIFT clearing sheet. CPU will di
Branch wise deposit slips and vo Branch wise deposit sBranch wise deposit slips and voucher bundles are stitched by CPU and
Cheque returned in outward cleariCheque returned in ouCheque returned in outward clearing are kept under dual custody till nex
To ensure that CPU will accept UTo ensure that CPU wiTo ensure that CPU will accept US$ cheques for clearing that are drawn
The cheques received from varioThe cheques receivedThe cheques received from various branches on Thursday, Friday will be
Ensure while accepting cheques Ensure
fo while accepting Ensure while accepting cheques for clearing, they are properly scrutinize
To ensure that clearing stamp sh To ensure that cleari To ensure that clearing stamp should be affixed on face of the cheque an
In case of clearing stamp of any In case of clearing st In case of clearing stamp of any other FBL Branch / Bank, the cheque re
To ensure in case of any discrepaTo ensure in case of aTo ensure in case of any discrepancy, the concerned officer email the OM
To ensure that charges should b To ensure that charg To ensure that charges should be recovered manually as per SOC.
For USD clearing cheques (both For USD clearing cheFor USD clearing cheques (both conventional and islamic customers), d
To ensure that copies of retuned To ensure that copiesTo ensure that copies of retuned cheque alongwith return memo should
To ensrue that cheque received i To ensrue that chequeTo ensrue that cheque received in FCY Inward Clearing should be prope
Customer signatures should be ver Customer signatures sh Customer signatures should be verified as per assigned limits.
To ensure that if cheque is in or To ensure that if cheqTo ensure that if cheque is in order CPU will debit the customer account
If the cheque is returned for an If the cheque is retu If the cheque is returned for any reason Return Memo should be signed
Cheque returned charges can beCheque returned charCheque returned charges can be recovered as per SoC.
To ensure
PRI that paid cheques shoul
Remittances To ensure
PRI that paid chPRI
Remittances To ensure that paid cheques should be kept with daily vouchers in fire pr
Remittances
Obtain list of authorized branchesObtain
& authorized/active
list of authorized
agents
Obtain
branches
for
list processing
of &authorized
authorized/active
of FRC
branches
transactions.
agents
& authorized/active
for processingagents
of FRCfortransactio
process
Check system unique login IDs
Test does remittance data providedand
Check
Test system
bydoes
the Exchangeunique Check
lo
remittancecompanies
data system
Test does
provided
or unique
remittance
foreign login
by the banks
Exchange IDs
data providedand
through password
companies
web
by the provided
or Exchange
e-mail
or foreign
etc is to desiganted
companies
banks
aligned
through
with sta
or forei
SBP
web
Test does system's generated recTest does system's geTest does system's generated receipt bears Remittance Identification No
Did Financial Institution forwar Did Financial Institu Did Financial Institution forward all set of documents for Account opening
Are the SBP approval sought fro Are the SBP approvalAre the SBP approval sought from SBP for opening of Exchange compn
Test does FRC system
remmitter also&gener
name T est does
beneficary
Test FRC
name system
remmitter Test
is checked fordoes
name &OFACFRC system
beneficary
remmitter
& UNSCname also
name
listisby&generates
checked
FRC for Unique
beneficary
system OFAC
name
prior&tracking
is
funds
UNSC
checked NoforforOFAC
transfers
list by transaction
FRC
to benefic
syste
& UN
Check
Test does
does CMO
name oftimely update
remitter,his OF
Check
sources
Test &does
does CMO
purpose
name oftimely
of Check does
remitter,his
funds
Test are
does CMO
provided
sources
name &timely
ofby update
remitter,his
purpose
the exchange OFAC
of sources
funds UNSC listof
Company/foreign
are
& provided
purpose byas and
bank
funds
the when
exchange
for
are notified
AML/KYC
provided
Comp
Check in case of beneficiary name Check
not verified
in caseunder
of beneficiary
OFAC
Checkorin
name
UNSC
casenot
of
list,verified
beneficiary
CMO hasunder
name
obtained
OFAC
notor
relevant
verified
UNSCunder
information
list, CMO
OFAC has
(date
or obtained
UNSC
of birth,
listr
In the case
Check of aofPotential
in case positive Match In
hits under the
Check case
OFAC/UNSCof aofPote
in case In
positive
funds the
Check case
remained
hits of
inunder
case aOFAC/UNSC
heldofPotential
in
positive Match
PRI sundry where
hitsfunds
under
accountCMO
till theuser
remained
OFAC/UNSC held is unable
information
in
funds isto validate
PRI remained
sundry
not heldtri
provided
account
Test if payments are made through Test if payments are mTest if payments are made through PO to the beneficiary, check PO issu
Check that FRC filtered InstrumeCheck that FRC filter Check that FRC filtered Instruments issuance transactions shall be uploa
In case of Payment Order return In case of Payment OrIn case of Payment Order return (due to mismatch of address or any oth
Test applicable FED on issuanceTest applicable FED Test applicable FED on issuance of PO are bourne by FBL
Test on the day of RDD received Test on the day of RDTest on the day of RDD received from exchange company same was pro
Test PO issued after 6 months are Test PO issued after 6Test PO issued after 6 months are moved into Unclaimed deposit accoun
Test In case any instruction is n Test In case any instr Test In case any instruction is not validated through any rule, it has parke
Test all transactions landed in d Test all transactions Test all transactions landed in different types of ques are prompltly hand
Check that exchange company's Checkco that exchange Check
c that exchange company's consent has been obtained over debitin
Check that the OFAC & UNSC scre Check that the OFAC Check
& that the OFAC & UNSC screening of beneficiary & remitter has be
Test in remitted
Funds case beneficiary's
=<2.5M Rs. accou Test in to
are subject
Funds case benefici
remitted
EDD. =<2.5MTest
Rs.inare
Transactions
Funds case beneficiary's
remitted
purpose
subject
=<2.5M
reflective
to EDD. account
Rs.
of standto
Transactions
are
commercial
subject Closed,
purpose
nature CMO
EDD.are userof
Transactions
reflective
subject has
to hold the
commercia
be
purpose
reported
re
In case of any dispute a informat In case of any disputeIn case of any dispute a informative restraint should be mark on the acco
Ensure that the purpose of remittEnsure that the purpos Ensure that the purpose of remittance is clearly mentioned in the transac
Check does CMO send monthly MIS Checkof all
does
PRICMO transactions
send Check
monthly
above
doesMIS Rs.
CMO of
2.5M
all
sendPRI
received
monthly
transactions
during
MIS of the
above
allmonth
PRI
Rs.transactions
to
2.5M
AMLreceived
Team.aboveduring
Rs. 2 th
Test in case of transactions canc Test in case of trans Test in case of transactions cancelled on request of exchange company/
Test
2) all transactions
User are reconcileTest
activity logs with respect 2) all transactions
to activities
User aTest
activity logs with 2) User all transactions
respect activity
to activities are reconciled
logs with respect to on daily basis.
activities
3) Error Log for all errors are maintained
3) Error byLogfunction
for all errors
3) Error
are maintained
Log for all errors
by function
are maintained by function
Check all PRI transactions are reCheck all PRI transactCheck all PRI transactions are reported to SBP on their prescribed forma
Enquire about the training provi Enquire about the tra Enquire about the training provided to BM/BSM regaring PRI & FRC dur
Enquire & get aware about perforEnquire & get aware aEnquire & get aware about performance the FBL website link used for tra
Ensure that complaint managemen Ensure that complaintEnsure that complaint management module is allowed users to submit th
Test method of calculating rebat Test method of calcul Test method of calculating rebate on FRC business for accuracy, claim lo
Enquire Transfers
Internal about the inRemittance
Bulk paym
Enquire Transfers
Internal about the in Rem Enquire Transfers
Bulk
Internal about the in Remittance
Bulk payment files if available at CMO, then tes
Obtain list of Cash link customersObtain& evaluate/asses
list of Cash their
linkObtain
customers
voulume list ofof&Cash
business
evaluate/asses
link customers
for sampletheir&selection.
voulume
evaluate/asses
of business
their for
voulume
sampleofselebus
Obtain list of Cash link customer Obtain list of Cash li Obtain list of Cash link customers on-boarded & off-borarded during aud
Test that transactions received Test that transaction Test that transactions received till 04:30 processed same day and for tan
Test scrutiny of Transaction doneTest scrutiny of Trans Test scrutiny of Transaction done by the CMO user and ensure that all th
Test designated staff process theTest designated staff Test designated staff process the transaction in symbols - EOC module a
Test at the day end reconciliatio Test at the day end r Test at the day end reconciliation to check that all transactions received
Test scrutiny of Transaction doneTest scrutiny of Trans Test scrutiny of Transaction done by the user and check all the credentia
Check supervisor authorized tansCheck supervisor authCheck supervisor authorized tansactions in system through pay order m
Test CL PO outstanding report anTest CL PO outstandinTest CL PO outstanding report and GL account balance are checkded on
Test Order
Pay at dayCancellation
end reconciliations caTest at dayCancellation
Pay Order end reconcPay Test Order
at dayCancellation
end reconciliations carried out to check all transactions are p
Check bulk cancellation request cateredCheck bulkby CMO
cancellation
accompanying
Checkrequest
bulkClient
catered
cancellation
written
by CMO request
request
accompanying
signed
cateredbybyauthorized
Client
CMO written
accompanying
signatories
request Client
signed
with Orw
Test in case of beneficiary is a Test in case of benef Test in case of beneficiary is a Government organization / autonomous b
Test funds are credited in the s Test funds are credit Test funds are credited in the same account from where the POs were is
Test supervisor
Duplicate Issuanceauthorises
of Lost transacTest supervisor
Pay Orders
Duplicate Issuanceauthor
ofT est supervisor
Duplicate
Lost Pay Orders
Issuance authorises
of Lost transactions
Pay Orders and put his initials on the reques
Test Incase of PO lost reported,Client Test Incase
has provided
of PO lost
written
Test
reported,Client
request
Incase of signed
PO haslost
by
provided
reported,Client
authorized written
signatories
request
has provided
signed
togetherwritten
bywith
authorized
request
an FIR as signa
signe
pre
Test customer’s indemnity on legaTest customer’s indemTest customer’s indemnity on legal bond paper as per the bank’s format
Are the duplicate
Issuance PO issued
of LCY DDs in Bulkwith
fromAre the duplicate
Issuance
TCSS/SYMBOLS
of LCY DDsPOAccount
iIssuance
AinreBulk
the duplicate
from
of LCY PO issued
TCSS/SYMBOLS
DDs in Bulkwith from the
Account narration “Issued
TCSS/SYMBOLS in Lieu of Lost PO
Account
Test scrutiny of transactions is done Testbyscrutiny
CMO user of transactions
and Test
ensure scrutiny
isthat
doneallofby
the
transactions
CMO
credentials
user is and
including
done
ensure
by CMO
time
that stamp,
all
user
theand
credentials
date,
ensure
amount
that
including
inallwor
the
Test LCY-DD are issued by FBL Test LCY-DD are iss Test LCY-DD are issued by FBL payable at HBL branches as per our ag
Test LCY-DD
FCY of over & above Rs.FCY
DDs Issuance Test LCY-DD
DDs Issuanceof over &FCYTest LCY-DD
DDs Issuance of over & above Rs. 200,000/- are issued by CMO on basis
Test DD Issuance Request received TestatDD
CMO Issuance
through Request
CSCTest/ DD branches
received
Issuance at
asCMO
original
Request through
orreceived
scanned
CSC at / image
branches
CMO throughas original
e-mail
CSC /or scanning
branches
scannedmo asim
Test transactions scrutinized by Test transactions scruTest transactions scrutinized by the user all the credentials including time
Check
FCY DD CMO supervisor
Cancellation ensured tre
/ TreastmentCheck
FCYof Lost
DD CMO Paysupervisor
Orders Check
Cancellation FCY CMO
/ Treastment
DD supervisor
Cancellation
of Lost Pay ensured
Orders treasury
/ Treastment of Lostreporting
Pay Orders in place before proce
Test & evaluate on issuance of FDD Testfunds
& evaluate
are movedon issuance
from
Test DD& evaluate
ofpayable
FDD fundson
account
issuance
are moved
to Nostro
of FDD fromaccount
funds
DD payable
are
by moved
TBO.account
Movement
fromto DD Nostro
payable
of fundsacco a
Test customer’s indemnity on legaTest customer’s indemn Test customer’s indemnity on legal bond paper as per the bank’s format
Test cancellation all FCY-DD outsTest cancellation all Test cancellation all FCY-DD outstanding checked from the reconciliation
Test for lost FCY-DDs,SWIFT mess Test for lost FCY-DDsTest for lost FCY-DDs,SWIFT message was send to drawee bank for the
Are the processor issue a duplicat
Are
• Forthe
• For Pay Orders / Drafts, transaction status
Pay processor
“PAID”/ issue
Orders Are
• Forthe
appearing
Drafts, processor
transaction
Payin Orders
the report./ issue
statusDrafts,a transaction
duplicate
“PAID” appearing draft with
status
in thethe
“PAID” narration
report.appearing“Issued
in theinrepoLie
• For Cheques,
Cash transactions status
Link Cheques • For
“PAY”
Cash Cheques,
Link appearing transactions
Cheques in the
• Forreport
Cash Cheques,
status
Link “PAY”
Chequestransactions
appearing status
in the“PAY”
reportappearing in the report
Check instruments printed at Client'sCheckpremises
instruments
do notprinted
carry
Check authorized
atinstruments
Client's premises
signatories
printeddoathowever
not
Client's
carrypremises
cheques
authorized printed
dosignatories
not carry
at bank's
authorized
however
end carr ch
s
Test Cheque transaction printing T r est Cheque transactio Test Cheque transaction printing rights are availble with the authorized C
Test CMO user print the report anTest CMO user print t Test CMO user print the report and ensure that all cheques appeared in
Test CMO delivers the instruments Test CMO delivers theTest CMO delivers the instruments to Branch / CSC officer / Customer’s
Test
Cash Link Pay Orders / Demand Test
Cheques not presented wihin period
Cash
DraftsCheques
Link of Pay
six not
months/time
presented
Orders Test
Cash Cheques
barred
/ Demand wihin
Link Payinstruments
period
not
Drafts presented
Orders of six are
months/time
/ Demandwihin
automatically
period
Drafts barred
ofmarked
sixinstruments
months/time
as staleareinbarred
CL.
automatic
On instr
pre
Test after the approval CMO userTest can after
print thethe approval
PO/DD Test and
CMO also
after
user
print
thecan
approval
theprint
report
theCMO
and
PO/DD
user
ensure and
canthat
also
print
allprint
the
PO/DD
PO/DD
the report
appeared
andandalsoin
ensure
print
the repothe
tha
Test Unclaimed
Processing PO are surrendere
of Structured Test Unclaimed
Collection
Processing PO are
of Structured TestCollection
Unclaimed
Processing PO are surrendered
of Structured Collection to SBP after Completion of 10 years
Test designated staff properly scuritinizes
Test designated
cheques, staff
deposit
properly
Test designated
slipsscuritinizes
from clearing
staffcheques,
properly
departmnet
deposit
scuritinizes
/ branches
slipscheques,
from/ clearing
drop deposit
boxdepartmnet
/ customers
slips from/ cle br
Test supervisor authorises transaTest supervisor authorTest supervisor authorises transactions in GTS Cheque Collection modu
Are the CMO staff scanning all thAre
Others the CMO staff scaAre
Others Othersthe CMO staff scanning all the Instrumenst lodged o nClearing & Co
Test all income generated via CMO Testare
alltagged
incometogenerated
profitTest
centervia
all income
of
CMOCMU are
generated
under
tagged GL tovia
profit
CMO center
are tagged
of CMUtounder profit GL
center of CMU u
Test bulk pre-printed stock of security
Test bulk
stationery
pre-printed
is keptstock
Test
in safe
bulk
of security
vault
pre-printed
under
stationery
dual
stock custody
is
ofkept
security
&inbalancing
safe
stationery
vaultisunder
carried
is kept
dual
in
outcustody
safe
on monty
vault & und
bala
rhly
Review the delivery process of priReview the delivery prReview the delivery process of printed instruments at FBL as well as clie
audit shall logs
Test designated are maintainTest
Officer/Assistant Test audit shall logs
Manager/Manager
designated audit
Officer/Assistant
of Test uponshall
CPUdesignated logs
receiving are
Manager/Manager maintained
Officer/Assistant
DSC/SSC ofissuance
CPU forupon
1)application
Manager/ManagerTransaction
receivingof activity
must
DSC/SSC
CPU ensure logissuanc
upon transa
that
receiv ap
Test whether processing user process Test whether
DSC/ SSC processing
issuance
Testuser
whether
application
processprocessing
after
DSC/proper
SSCuserissuance
scrutiny.
processapplication
DSC/ SSCafter issuance
properapplication
scrutiny. a
Test user
check that enter
excelthe details
based of ce
record Test
oncheck user
that enter
fortnightly basisthe
excel decheck
basedTest user
is maintained
record
that
onenter
duly
excel the details
fortnightly
signed
based by ofiscertificates
basis
record
concerned
on
maintained issued
fortnightly
officersduly
and
basisin is
signedexcel bybased
supervisor/manager
maintained stock
concerned &s
duly offic
sign
Test designated User of CPU to issue
Test designated
Sale / Registration
User Test
of number
CPU
designated
to issue
on theUser
Sale
application
/ofRegistration
CPU and
to issue
also
number
Sale
write /the
on
Registration
the
same application
on the
number
certificates
andon also
thew
Designated Officer/Assistant Manager/Manager
Designated Officer/Assistant
of CPUDesignated
must ensure
Manager/Manager
Officer/Assistant
that all DSCs/SSCs
of CPU
Manager/Manager
must
issuance
ensure applications
that
of CPUall DSCs/SSCs
must
processed
ensureissua
durin
tha
Does designated supervisor
Supervisor CPU submitveriDoes
sale
Does designated
statement
Supervisor super
to State
CPU Does
Bank designated
submit
of
Supervisor
Pakistan supervisor
sale statement
CPU
(SBP) submit
Publicverify
to State
sale
Debt amount
Bank
statement
Office of per
SSC
of Pakistan
as to State
the/ DSC
(SBP) sale
format
Bank
Public
of account
(annexure
Pakistan
Debt OffA o
Designated staff at CPU or Supervisor
Designated
will submit
staff at
theCPU
month
Designated
or Supervisor
wise sale
staffreport
at
willCPU
submit
onorthe
Supervisor
the
prescribed
month will
wise
format
submit
sale(Annexure
report
the month
on the
I / wise
J)prescribed
to sale
SBPre o
Manager or Supervisor must ensure Manager
that sale/encashment/premature
or Supervisor Manager
must ensure
or Supervisor
that
encashment
sale/encashment/premature
mustreport
ensureis that
submitted
sale/encashment/premature
toencashment
SBP by thereport next worki
is en
su
Likewise, statement of certificatesLikewise,
transferredstatement
& duplicate
ofLikewise,
certificates
issued statement
willtransferred
also beofreported
certificates
& duplicate
to SBP
transferred
issued
by thewillnext
&also
duplicate
working
be reported
issued
day for towill
the
SBP also
prb
Check stock of SSC/DSC certficate Check
are physically
stock of SSC/DSC
balance
Check with
certficate
stock
the balance
ofare
SSC/DSC
physically
as per
certficate
stock
balance
card
are
with
or
physically
stock
the balance
register.
balance
as perwith
stock
the card
balan
For obtaining fresh stock of SSC/For obtaining fresh s For obtaining fresh stock of SSC/DSC from CDNS sale report in annexu
Test stock cards are updated as sTest stock cards are Test stock cards are updated as soon as receipt of fresh stock and same
Test how does CPU manager ensur Test how does CPU man Test how does CPU manager ensures daily balancing of stock in hand.
Test does Commission @0.50% were Test does CommissionTest does Commission @0.50% were claimed from SBP 90 days after th
Test does CPU carry out monthlyTest does CPU carry oTest does CPU carry out monthly balancing of amout receivable from SB
Though DSC/SSC are encashable Though
at DSC/SSC areThough
en DSC/SSC are encashable at par any time after one month from
Test that appliacble WHT @10% Testre that appliacble Test that appliacble WHT @10% recovered from income tax filers & Non
Check that Designated Officer/AsCheck that Designated Check that Designated Officer/Assistant Manager/Manager of CPU upon
Check that Once the relevant finanCheck that Once the re Check that Once the relevant financial entries are passed, designated us
Ensure that Designated User of CP Ensure that Designated Ensure that Designated User of CPU to issue Sale / Registration numbe
Check that Designated staff of C Check that Designated Check that Designated staff of CPU, would also affix “Issued on_______
Check that Designated staff of CPCheck that Designated Check that Designated staff of CPU would forward relevant customer’s a
Check that Concerned Assistant Ma Check that ConcernedCheck A that Concerned Assistant Manager/Supervisor will thoroughly rev
Designated staff or Respective SDesignated staff or R Designated staff or Respective Supervisor of CPU to ensure dispatch of
Designated staff of CPU must ensu Designated staff of CPDesignated staff of CPU must ensure marking of date of dispatch / ackno
Designated Officer/Assistant Mana Designated Officer/AsDesignated Officer/Assistant Manager/Manager of CPU must ensure tha
Ensure that On the next working day,
Ensure
Check that proper entries are passed
Checkthethat
designated
bythat
the On theentries
proper next
officer
designatedEnsure
Checkworking
orthat
officer
are that
Supervisor
day,
On the
passed
of CPU
proper
by CPU
next
designated
while working
will
entries
the aresubmit
depositingofficer
designated day,
passed
SBPsale
the
or statement
officer
by Supervisor
designated
cheque
the
of CPU toCPU
designatedofficer
State
to Public
while will
Bank
orOffice
submit
depositing
Debt
officer Superviso
of of
CPUPaki
SBPsale
w
c
Test DSC/SSC
Check issuance request
that all discrepant T
r est
issuance
Check DSC/SSC
applications issuance
Test
that all discrepant
would be
CheckDSC/SSC
sent
issuance
that
backallby issuance
applications
discrepant request
CPU to respective
issuancereceived
would be by without
Branches 4.00
applications
sent back by p.m.
would
CPU towere
sent processed
processing,
be respective
back
followe
by
Bran
C
In case of transferrable/re-issua In case of transferrab In case of transferrable/re-issuable cases test SSC/DSC are transferred/
In case certificate is lost, or de In case certificate is In case certificate is lost, or destroyed, the purchaser or his nominee(s) o
Designated officer of CPU while Designated officer of Designated officer of CPU while receiving profit coupons for encashmen
Check that after scrutiny of enca Check that after scrutCheck that after scrutiny of encashment on profit coupons, profit will be p
An email addressed to respectiveAn email addressed toAn email addressed to respective branch will be sent to the effect of hav
Test in case of premature encaheTest in case of premaTest in case of premature encahement, duplicate issunace or transferred
Test that for encashement of SSCTest that for encashe Test that for encashement of SSC profit coupons or DSC same were pro
Bank is required to disbursed pri Bank is required to di Bank is required to disbursed principal/profit first to customer and claim l
Test Claim schedule on "AnnexurTest Claim schedule oTest Claim schedule on "Annexure C" was lodged with SBP within 7 wor
Settlement of claims for encashme Settlement of claims Settlement of claims for encashment /profit/commission from SBP will be
Test that Certificates are proper Test that Certificates Test that Certificates are properly endorsed by the applicant and proper
Test In case Ramdan falls duringTest In case Ramdan T f est In case Ramdan falls during the tenor of investment, Zakat has bee
Test in trasnferred cases of SSC Test in trasnferred c Test in trasnferred cases of SSC in the name from one person to anothe
Test SSC transfer charges were Test SSC transfer ch Test SSC transfer charges were recovered from transferor as advised u
Test in case of marking lien favo Test in case of markinTest in case of marking lien favoring other bank. CPU has received disch
Test that CPU has marked stampTest of that CPU has mark Test that CPU has marked stamp of "lien mark in favor of---" on the each
Test supervisor of CPU has placed Test supervisor of CPTest supervisor of CPU has placed his signatures on the back of each sc
Test while
Term releasing
Deposit lien marked eTerm
Issuance Test while releasing
Deposit Issuancel Term
Test while releasing
Deposit Issuancelien marked earlier designated staff has affixed stam
Test
In thatofalarge
case valid Corporate
customer account Test
Deposits
Iniscase
maintained
that
on ofalarge
valid at
selective customer
anyIn
basis Test
ofcase
Corporate FBL
account
that
especiallybranch
alarge
valid
Deposits
of ison
whose maintained
prior
customer
full to
Corporateissuance
selective account
at
movement anyof
of
ofis
Deposits
basis TDR.
FBL
maintained
branch
especially
funds
on selective
arewhoseprior
at any
envisaged
basis
full toof
issuance
FBL
eachbranch
movement
especially
at of fund
TDR
pr
maturity
whose
of
Test on sample basis that AccounTest on sample basis Test on sample basis that Account title on TDR and Account are same.
Check
Ensurethat
thatoriginal
customerTDR applicat
cheque for Check
Ensure that
thatoriginal
TDR application is T
customer notCheck
Ensure
cheque that
provided
that original
forby
TDR
customerTDR
customer. application
application
cheque is for carry
notTDR customer's
provided
application
by customer.name,
is not account
provided num
by cus
Any cutting, overwriting or alteration
Anyon
cutting,
Term Deposit
overwriting
issuance
Any
or cutting,
alteration
application
overwriting
on Term
must Deposit
orbe
alteration
supported
issuance
on by
Term
application
full Deposit
signature
must
issuance
of customer.
be supported
applicatio
BSM/ or his her backup of concerned BSM/Branch
or his her
while
backup
forwarding
BSM/
of concerned
or Term
his herDeposit
backup
Branchissuance
while
of concerned
forwarding
application
Branch
Term
to Central
while
Deposit
forwarding
Processing
issuance Term
applica
UnitDep
(C
Check that in case of TDR booked Check that in case of Check that in case of TDR booked at special rate written approval from c
Ceck that placement of TDR fromCeck that placement oCeck that placement of TDR from photo accounts must be in presence o
Ensure that original
the TDRapplication Ensure
relations with thatoforiginal
deposits the
PKRTDR arelations
2M Ensure
and abovethat original
withare
the not application
deposits
TDR relations
of PKR 2M is also
withand sent to
deposits
above CPU,
ofare
PKR Term
not2M andDeposit
aboveon arethe
n
classified as Pre-Defined Neutral classified as Pre-Defined classified
Neutralas Pre-Defined Neutral
Test that designated staff of CPUTest has that
mentioned
designated
date staff
and
Testtheir
of
that
CPUinitials
designated
has bymentioned
affixing
staff ofstamp
date
CPUand
"Issued
hastheir
mentioned
on
initials
Date"by
date
onaffixing
application.
and theirstampinitials
"Issueby
Test that all Term Deposits proc Test that all Term De Test that all Term Deposits processed during the day and customer’s ap
Test that concerned
Designated supervisor
staff of CPU reTest
Term Deposit that
Designatedconcerned
shall courier sTest
staff ofthe
CPU that Deposit
Designated
all Term
Term concerned
Deposits
staff of supervisor
shall
receipt
CPU courier
Term reviews
confirmations
the
Deposit and
all Term
shall crossany
(without
Deposits
couriercheck allallTerm
receipt
the
threshold thelimits)
details
confirmations
Depositstomc
Test does CPU maintains an MISTest fo does CPU maintai Test does CPU maintains an MIS for all TDRs issued diuring the day in p
TDR applications processed durinTDR applications procTDR applications processed during the day are appropriately filed and ke
No Term Deposit will be issued b No Term Deposit will No Term Deposit will be issued by CPU, Term Deposit with special rates
No Term Deposit will be issued b No Term Deposit will No Term Deposit will be issued by CPU, Term Deposit with back value da
All Term Deposit issuance applic All Term Deposit issu All Term Deposit issuance applications received within the cut-off time (5
Applications receivedreceived
In case any request above cut-o
fromApplications
Incustomer
case anyfor received
request
issuance Applications
received
In case
of duplicate
from received
any request
customer above
TDR. received
CPUfor TD cut-off
issuance
from time
will email
customer would
of duplicateforbe
duplicate processed
issuance
TDR.
certificate
CPU ofTD
to by CPU,
duplicate
Branch
will email Te
TD
OP
Roll Over at Rack Rate Roll Over at Rack Rate Roll Over at Rack Rate
System shallstaff
Designated automatically renew/rollover
shall generate System
the
Designated shall
thestaff
confirmation Term
automatically
Deposit
advices
shall System
of Receipts
renew/rollover
Designated
generate shall
the automatically
onshall
staff duethe
date
confirmation Termwhere
renew/rollover
generate Deposit
the“W/O”
advices of Receipts
(signifying
the Term
confirmation on due
renewal/rollover
Deposit
advices date
of Receipts
where “W/O inonth
renewed/rollover TDRs on daily basisrenewed/rollover
and send theTDRs samerenewed/rollover
on
todaily
respective
basis andcustomers
TDRssendon the
daily
onsame
their
basis address
toand
respective
send
as per
the
customers
bank’s
same to record
respective
on their
on theaddc
Test that CPU staff cross verif Test that CPU staff c Test that CPU staff cross verify renewed TDRs from CPU TDR account R
Test that upon
Roll Over maturity
at Special does syste
Rate T est Over
Roll that upon maturity
at Special Test Over
Rate
Roll that upon maturity
at Special Rate does system automatically roll over principal plus
Test that Approval for the special Test
ratesthat
wereApproval
obtained forby
Test
thethe
special
that
branch
Approval
rates
andwere
copy
for the
obtained
of special
the approval
by
rates
the bybranch
were competent
obtained
and copyauthority
by of
the
thebranch
together
approval andw
Relevant information & written approval
Relevant of information
special rates& Relevant
from
written
relevant
approval
information
approving
of special
& written
authorities
rates
approval
from(Retail/
relevant
of special
Corporate/Commercial)
approving
rates fromauthorities
relevantfor (R
apr
Concerned branches/business must Concerned branches/bu Concerned branches/business must ensure to forward DNR original inst
Designated staff will extract KM Designated staff will Designated staff will extract KM generated on daily basis & cross verify t
Test TDRsofatTerm
Renewal special ratesHeld
Deposit and Under
witTest
RenewalTDRs
Lien ofatTerm
(Rack special
Rate) rTest
Deposit TDRsUnder
Renewal
Held ofatTerm
special
Lien ratesHeld
Deposit
(Rack and
Rate)withoutLien
Under roll over
(Rackinstructions
Rate) do not outsta
Test that CPU staff, upon receiving Testrenewal
that CPU
instructions
staff, upon
Test
from
receiving
that
CAD CPUensures
renewal
staff, upon
that
instructions
said
receiving
TDRfrom is
renewal
renewed
CADinstructions
ensures
on the due
that
from
date
saidCAD
TDR
andensur
gene
is re
Test that CPU ensures that "undeTest that CPU ensuresTest that CPU ensures that "under lien" is immediately marked on renew
Test that in
Payment at case of TDRs under Payment
Maturity Test that in at case of Payment
Maturity Test that in at case of TDRs under lien only principal amount has been rene
Maturity
Test that does system pay Principal Testplus
thatprofit
doesearned
systemminus
Test
pay that
Principal
applicable
does plus
system
Zakat
profit
pay
andearned
Principal
WHTminus
in customers
plusapplicable
profit earned
settelemnt
Zakatminus
and
account.
WHT
applicable
in cusZ
Test that designated staff of res Test that designated Test that designated staff of respective Branch would affix receiving stam
Test that instructions received b Test that instruction Test that instructions received by 5:00 p.m are processed on same day i
Test that User or Supervisor of Test that User or Sup Test that User or Supervisor of CPU, crosscheck premature encashment
Test that user affixed PAID "PremTest that user affixed Test that user affixed PAID "Premature Encashment On ........." stamp on
Test that profit would be manuallyTest that profit would Test that profit would be manually(Excel based) & correctly calculated af
Test that penalty charges are recTest that penalty charTest that penalty charges are recovered as per applicable SOC of that te
In case penalty
Premature amount exceeds
encashment Ipn caseand
penalty waiver
Premature penalty amounPremature
encashment
encashment Inoncase
penaltypenalty
booking waiver amount
encashment
rate and exceeds
restencashment
with
penalty profit
Headwaiver
ofon earned,
Products
booking than
and encashment
inrate
case profit
rest must
of with
Retail
on &be
booking
Head paid
concern
of Proa
rate
Under Lien Prematured Encashment Under (Symbols)
Lien Prematured Under
Encashment
Lien Prematured
(Symbols) Encashment (Symbols)
Test that customer request for prematureTest thatencashment
customer request of
TestTDR
that
forafter
premature
customer
settlingrequest
encashment
liabilities
forfor
premature
of
which
TDRlien
after
encashment
wassettling
marked. liabilities
of TDR after
for which
settli
Test that prior release of Term D Test that prior releas Test that prior release of Term Deposit, notation there against of "Collate
Test
Lien that designated
Marking on TDRstaff affixed Test
Lien that designated
Marking on TDRsTestLien that
Markingdesignated
on TDRstaff affixed PAID "Premature Encashment On .......
Upon receipt of
Lien Removal on TDR lien marking request
Upon email
receipt
from ofbranch,
lien marking
Upon
Lien Removal on TDRLien Removal onAssistant
receipt
requestManager/
of email
lien
TDR marking
from
Managerbranch,
request
of CPU
Assistant
email
TDRfromwill
Manager/
check
branch, that
Manager
Assistant
lien marking
ofManag
CPU T
Check UponOPENING
ACCOUNT receipt of email fromACCOUNT
Check
CAD for Uponlien receipt
removal,
OPENING ofACCOUNT
Check
email
Assistant
Upon
fromManager/
CAD
receipt
OPENING foroflien
Manager
email
removal,
from
CPU CAD
Assistant
TDR forarrange
lien
Manager/
removal,
to remove
Manager
Assistant
funds
CPUManag
held
TDr
Have all the required fields of CRF Have
including
all theCPFrequired
& RAF fields
Havebeenof
allproperly
CRF
the required
including
filledfields
as
CPFperof&scan
CRF
RAFdocuments?
including
been properly
CPF & filled
RAF asbeen
per scan
properly
docuf
Are required documents attachedAre withrequired documents Arearequired documents attached with account opening forms as mentio
Has NTN been mentioned in the em Has NTN been mentione Has NTN been mentioned in the employment letter of salaried persons?
Is NTN verified from FBR websiteIs NTN verified from FIs NTN verified from FBR website & proof of verification attached with re
Ensure that AMU maintained datEnsure that AMU maiEnsure that AMU maintained data of accounts rejected by compliance o
Ensureofthat
-Date birthOnce
Datethe original CREnsure
of issuance expiry.ofthat
& -Date birthOnce
Datethe Ensureofthat
of issuance
-Date birthOnce
Datethe
& expiry. original CRF
of issuance & other relevant documents are recei
& expiry.
-Mother maiden name (individual -Mother natural person
maidenonly) name-Mother
(individual
maiden
natural name person
(individual
only) natural person only)
Does CPU designated staff verif Does CPU designatedDoes s CPU designated staff verify entity accounts have BRN expiry date
Does CPU designated
-Individual Service Charge staff maintai
Does CPU designated
-Individual Service Charge Does
s CPU Service
-Individual designated Chargestaff maintain a list/MIS of all such customers/acc
-Zakat exemption -Zakat exemption -Zakat exemption
Does CPU Supervisor attach scan Does CPU SupervisorDoes a CPU Supervisor attach scanned copy of Specimen Signature Card
Does CPU designated staff genera Does CPU designatedDoes s CPU designated staff generate Letter of Thanks through system an
When Letter of Thanks returned un When Letter of Thanks When Letter of Thanks returned undelivered with the reason customer's
Ensure that AMU send SMS to all Ensure that AMU send Ensure that AMU send SMS to all customers on WAU marking (where c
Ensure that once the account op Ensure that once the Ensure that once the account opened successfully designated CPU staff
Does designated staff advise throDoes designated staffDoes designated staff advise through an e-mail to the respective branch
Designated staff to correctly cap Designated staff to coDesignated staff to correctly capture the customer's address in the syste
Does designated staff evidence tDoes designated staffDoes designated staff evidence that the customer signature is verified by
Copy of Letter of Thanks sent onCopy of Letter of Tha Copy of Letter of Thanks sent on updated address must also be attached
Designated staff of CPU, AccountDesignated staff of C Designated staff of CPU, Account Maintenance would maintain Branch w
Ensure that in case of any subseEnsure that in case o Ensure that in case of any subsequent queries of critical nature from bra
Ensure
Hold that
Mail AMU marked EDR rest
Account Ensure
Hold that
Mail AMU mark
Account Ensure
Hold Mailthat AMU marked EDR restraint (for address and profile) and for
Account
Ensure that
MINOR customers availed hold
ACCOUNTS Ensure
mail facility
MINOR that customers
ACCOUNTS (specialMINOR
Ensure
cases)
availedthat
with
hold
customers
the
ACCOUNTS mail prior
facility
approval
availed
(specialhold
of respective
cases)
mail facility
withGeneral
the
(special
priorManager.
approval
cases) withInofsuch
respe
the cp
A new client will be opened in theAname new client
of thewillminor
be opened
in ASYMBOLS
newinclient
the via
name
willSEIBEL
beofopened
thesystem.
minor
in the
inBirth
SYMBOLS
name Certificate
of thevia
minor
/SEIBEL
CRC in SYMBOLS
- Child
system. Registrati
Birth
via SEC
To check at the time of account op To check at the time oTo check at the time of account opening the client, industry type 'Minor' h
Ensure that Guardian Client numbe Ensure that Guardian Ensure C that Guardian Client number inputted in the 2nd tab where syste
AMU to mark discount on Zakat sAMU to mark discountAMU to mark discount on Zakat service type (039) in INDIVIDUAL SC M
A letter will be sent to the Guard A letter will be sent A letter will be sent to the Guardian & Minor (Annexure 4.11.C) by the CP
The system would block all debit The system would block The system would block all debit transactions in the Minor Account after
For all new accounts CPU would For pu all new accounts C For all new accounts CPU would put an account blocking restraint in forw
At the time of closing of minor acAt the time of closing At the time of closing of minor account The account closing form will be j
Ensure
PENSIONERthat a ACCOUNTS
new account of Mino Ensure
PENSIONER that a ACCOUNTS
new acco Ensure
PENSIONER that a ACCOUNTS
new account of Minor (who turned major) is to be opened,
Are certificates of pensioners received Are certificates
from branches of pensioners
kept
Are certificates
withreceived
the CRF offrom
of
pensioners
the branches
customers.
received
kept with
fromthebranches
CRF of the keptcustomers.
with the CRF
Ensure that Client Acceptance & Ensure that Client Ac Ensure that Client Acceptance & AML / CFT Procedure (CAAML) Guideli
While opening
-Sahulat Current the063
client for new -Sahulat
While opening
Current the063
cli -Sahulat
While openingCurrent the063 client for new customers in system, CPU must ensure
-PLS Savings 103 -PLS Savings 103 -PLS Savings 103
CPU will mark informatory restrain CPU will mark informat CPU will mark informatory restraint stating 'Life certificate due on/ non m
The expiry date of the restraint/ The expiry date of theThe expiry date of the restraint/ should be captured one month earlier i.e
CPU should place the account bloc CPU should place theCPU a should place the account block restraint with forward expiry date of
CPU would generate report on week CPU would generate re CPU would generate report on weekly basis and send it to respective bra
CPU are required to carry out quaCPU are required to cCPU are required to carry out quarterly reconciliation with accounts office
Reconciliation statement shall beReconciliation statemReconciliation statement shall be signed by the CPU authorized officers
CPU/Branch upon receipt of notifiCPU/Branch upon receip CPU/Branch upon receipt of notification(death) from account Office or fro
Funds will only be released uponFunds r will only be rel Funds will only be released upon receipt of succession certificate / instru
If no activity in account is obse If no activity in acco If no activity in account is observed during 5 months period in pensioner
CPU will ensure/ minimum
*No restrictions TD Account balance C PUrestrictions
/ Locker
*No willany
or ensure
other/ mini
TD CPU
banking
Account will/ Locker
ensure/or
*No restrictions
relationship minimum
is
TDany
attached
Account
otherbalance
to
banking
/ Locker Service
the Account charges
relationship
or anywhich have
otherisbanking
to be been
attached todefined
closed.
relationship
the Acco ai
*Account closing request is duly checked*Accountand closing
approved
request
*Account
byisBranch
dulyclosing
checked
Service request
and
Manager/Branch
approved
is duly checked
by Branch
Manager.
andService
approved Manager/Branch
by Branch Servi M
Account closing application alongAccount closing applicAccount closing application along with relevant documents (if required/or
Respective Supervisor or Assistan Respective SupervisorRespective Supervisor or Assistant Manager CPU upon receiving Accou
Ensure that, account closing appEnsure that, account Ensure that, account closing application is processed by designated offic
Account will be closed in the sys Account will be closedAccount will be closed in the system and accrued profit (if any) will be ca
AMU will prepare a MIS and share AMU will prepare a MIAMU will prepare a MIS and share the detail with CMO through email on
Account closing stamp with date o Account closing stampAccount closing stamp with date of account closed should be affixed on
At the end of each day, Account At the end of each daAt the end of each day, Account closing report will be generated by the d
Designated staff of CPU, AccountDesignated staff of C Designated staff of CPU, Account Maintenance will maintain Branch wise
Branch wise Account closing boxBranch wise Account cBranch wise Account closing box files will be kept under the dual custody
Ensure that for accounts with no Ensure that for accouEnsure that for accounts with nominal balances, if request of account cl
Ensure that an email to this eff Ensure that an email Ensure that an email to this effect sent to respectives branch BM/BSM/S
CPU - Account Maintenance uponCPU r - Account Mainten CPU - Account Maintenance upon receipt of such information(death) wo
In case CPU or any other relevantIn case CPU or any oth In case CPU or any other relevant unit is not able to satisfactorily comple
CPUs and other relevant units and CPUs and other relevan CPUs and other relevant units and departments shall maintain all necess
CPU and any other relevant unit sh CPU and any other rele CPU and any other relevant unit shall, however, retain those records for
CPU will receive IR, PEP, Neutral C PU
c) Identify and Verify the identity document will receive
c) Identify ofand IR,
theVerify CPU
fundsthe will receive
c)provider
Identify
identity (i.e.
and
document
CNICIR, /PEP,
Verify the
of
NICOP
theNeutral
identity
funds
/ POC and
documentPDNor
provider
/ ARC cases
(i.e.
of via /KYC
Passport).
the
CNIC
funds NICOP App/
provider Symbols
/ POC
(i.e. CN
/ AR
CHANGE IN SIGNATURES/ AMENDMENTS CHANGE ININ SIGNATURES/
CLIENT/ CHANGE
ACCOUNTAMENDMENTS
IN SIGNATURES/ IN CLIENT/
AMENDMENTS ACCOUNT IN CLIENT/ ACCOUNT
Are all change requests receivedAre through
all change
Seibelrequests
System? Arereceived
all change through
requests Seibelreceived
System? through Seibel System?
AMU Officer must ensure that appl AMU Officer must ensu AMU Officer must ensure that applications received are complete in all re
Aftering processing, customer ReAftering processing, Aftering processing, customer Request will be marked Closed in system
Are all amendment requests will Are all amendment req Are all amendment requests will be checked by Supervisor / Asst. Manag
Upon receipt of Original requests,Upon receipt of OriginUpon receipt of Original requests, designated AMU officer will reconcile f
Ensure that SR number must be Ensure that SR numbe Ensure that SR number must be mentioned on top of Customer Request
In case of deletion of a signatur In case of deletion o In case of deletion of a signature from a company account, a letter signe
If a letter signed by the CompanyIf a letter signed by If a letter signed by the Company Secretary is received, AMU will send a
In case of change in address, copIn case of change in In case of change in address, copy of utility bill / any other document as
Subsequent to required amendment Subsequent to requireSubsequent to required amendments in system, designated staff would s
All amendment requests will be f All amendment request All amendment requests will be forwarded to Supervisor/Asst. Manager w
In case of OF
CHANGE change in address,
ACCOUNT TITLE DesIn case of OF
CHANGE change
ACCOUNTin CHANGE
In case
TITLE of OF
change
ACCOUNTin address, TITLE Designated Staff of CPU will generate Cha
For individuals title should match For withindividuals
the ID document.
title should
For individuals
match withtitle theshould
ID document.
match with the ID document.
Received request letter stating t Received request letteReceived request letter stating the reason of the change.
Ensure that Original seen CNICs Ensure that Original Ensure that Original seen CNICs copy with original seen stamp under th
For individuals Verification to b For individuals Verifi For individuals Verification to be done through Nadra Verisys by AMU. P
For proprietership
Original CNICs copies& unregisteredFor
of all Partners. proprietership
Original
BM/RMCNICs & uFor
to copies
ensure proprietership
Original
of
thatall original
Partners.
CNICsseen &stamp
copies
BM/RM unregistered
oftoall
under
ensure partnership
Partners.
thethat
name,
BM/RM
originalchange
initial,
to
seen
ensure
date ofetc.
stamp titleis
that is
under notthe
original
affixed allowe
see
afte
na
Certified true
*Address copy of only
Verification recorded statement
in case Certified
*Address
of addressof
true
registrar
copy ofofonly
Verification
change recorded
Certified
the infirm
*Address true
specifying
casestatement
ofcopy
Verification
addressofthe
ofonly
recorded
registrar
alteration
change statement
in caseof and
the firm
signed
of addressof
specifying
registrar
and
changeverified
the
of thealteration
in firm
the manner
specifyin
and s
*KYC as per CAAML Procedure. *KYC as per CAAML Procedure. *KYC as per CAAML Procedure.
Ensure that where address of th Ensure that where adEnsure that where address of the customer has been changed, the new
Designated staff at CPU will scr Designated staff at C Designated staff at CPU will scrutinize the CRF and then process the req
All such requests must be jointly All such requests musAll such requests must be jointly signed by the designated staff and / or
DesignatedCNIC
EXPIRED staff at CPU would fi EXPIRED
DesignatedCNIC staff at C EXPIRED
DesignatedCNIC staff at CPU would file the CRF with relevant CRF and docum
On Monthly basis CPU-AMU will generate On Monthly report
basis of CPU-AMU
customers
On Monthly will
whosegenerate
basisidentification
CPU-AMU
report ofdocuments
will
customers
generate (CNIC/NICOP/POC/Passport
whose
reportidentification
of customersdocumentswhose etc ide
CPU Account Maintenance will priCPU Account Maintenan CPU Account Maintenance will print and dispatch hard copy letters to ac
In case mail gets returned then In case mail gets re In case mail gets returned then the account marked as "Whereabouts Un
Did CPU Account Maintenance forw Did CPU Account Maint Did CPU Account Maintenance forward file containing valid mobile numb
SMS Vendor will forward SMS to SMS Vendor will forw SMS Vendor will forward SMS to respective mobile companies and share
Ensure that CPU obtained conf Ensure that CPU obt Ensure that CPU obtained confirmation report from ADC regarding 100
CPU Will maintain provided SMSCPU lo Will maintain proCPU Will maintain provided SMS logs record for Audit purpose as per re
CPU will generate expired CNIC rCPU will generate expCPU will generate expired CNIC report (Pan Pakistan) on monthly basis
Similarly records of expired PassSimilarly records of e Similarly records of expired Passport (if available) / Pakistan Origin Card
Designated CPU staff will manuallDesignated CPU staffDesignated w CPU staff will manually check the CNIC report and exclude t
AMU share data of 65 years abovAMU share data of 65AMU share data of 65 years above customers with ADC Ops to send SM
All follow up letters through ma All follow up letters All follow up letters through mail merge option for expired CNIC / Passpo
Signed copy of system generatedSigned r copy of systemSigned copy of system generated report, used for generation of intimatio
AMU will extract a copy of VERISAMU will extract a co AMU will extract a copy of VERISYS to check whether the CNIC has bee
AMU would make a second attempt AMU would make a seco AMU would make a second attempt to extract the VERISYS every six m
A copy of the VERISYS will be atA copy of the VERISYS A copy of the VERISYS will be attached with the respective CRF for reco
A list of all accounts
THIRD PARTY MANDATE where the C A list of all accounts
THIRD PARTY MANDATE A list of PARTY
THIRD all accounts
MANDATE where the CNICs still stay expire, will be shared with
Branch RM/RO will obtain third party Branch mandateRM/RO / power
will obtain
of
Branch
attorney
thirdRM/RO
party
frommandate
will
customer
obtain/ power
(physical
third party
of attorney
presence
mandate from
of
/ power
customer/mandate
customer
of attorney
(physical
from
ispre
ma
c
Change required by the customerChange required by thChange required by the customer in text of mandate/POA from the one c
E banking services will not be al E banking services wiE banking services will not be allowed to Mandate/POA holder unless au
Only supplementary card can be O i nly supplementary ca Only supplementary card can be issued to Mandate/ POA holder if autho
Branch must obtain CNIC and ensur Branch must obtain CN Branch must obtain CNIC and ensure that the signatures on the CNIC ar
Screening of the mandate/POA, Screening of the manScreening of the mandate/POA, KYC & RAF (where required) shall be d
Upon receipt of the Mandate/POAUpon a receipt of the MUpon receipt of the Mandate/POA and relevant documents, designated s
Designated staff of CPU will scanDesignated staff of CPDesignated staff of CPU will scan the signatures of the mandate along w
All the Documents
Revocation will be
of Mandate bykept in Revocation
CustomerAll the Documents willRevocation
of Mandate AllbytheCustomer
Documents will be
of Mandate bykept in separate branch wise file for records by
Customer
All scan document forward to AMU AllLHRscantodocument
delete /remove
forward
All scan
his/her
to AMU
document
signature
LHR to forward
from
deletesystem
to/remove
AMU&LHR Upon
his/her
toreceipt
delete
signature
of
/remove
such
fromrequest
his/her
systemAMU
signat
& Upi
AMU LHR also forwards a letter tAMU LHR also forwards AMU LHR also forwards a letter to customer by confirming the above ac
In
FAX case of any dispute found betwIn
INDEMNITY FAX case of any disputeIn
INDEMNITY FAX case of any dispute found between account holders in respect of sign
INDEMNITY
This facility should only be provided Thistofacility
selectiveshould
customers
onlyThisbeon
facility
provided
the basis
should
to selective
ofonly
approval
be customers
provided
from respective
toon
selective
the basis
business
customers
of approval
group onhead
from
the basis
(GM
respe
Original should be couriered to Original should be co Original should be couriered to CPU - Account Maintenance by Branch B
Upon receiving FAX Indemnity doUpon receiving FAX InUpon receiving FAX Indemnity documents, CPU Designated Supervisor
CPU account maintenance to updat CPU account maintenan CPU account maintenance to update fax indemnity of customer in system
A copy from original CNIC will be Ataken copyfrom fromtheoriginal
Supplementary
CNIC
A copy willfrom
be
card
taken
original
holder
from CNIC
tothe
verify
will
Supplementary
the
be taken
signature
from card
&theother
holder
Supplementary
details
to verify
and the
marked
card
signa
hot
Duly filled & approved CRFs / ARF Duly filled & approve Duly filled & approved CRFs / ARF will be sent to CPU, Account Mainten
Ensure CPU tag the customer with Ensure CPU tag the cu Ensure CPU tag the customer with respective service charge & modify th
Designated supervisor at CPU will Designated supervisorDesignated supervisor at CPU will cross check the data input in the syst
Verified formACCOUNTS
DORMANT duly signed by BSMVerified
DORMANT formACCOUNTS
duly si DORMANT
Verified formACCOUNTS
duly signed by BSM / Branch Manager should be forwarded
CPU, Account maintenance shallCPU, extract Account
prior dormancy
maintenance
CPU,
report
Account
shall
on daily
extract
maintenance
basis
priorand
dormancy
share
shall extract
data
report
(Individual/Joint/Sole
prior
on daily
dormancy
basis and
report
proprietorsh
share
on daily
data (b
CPU Account Maintenance will priCPU Account Maintenan CPU Account Maintenance will print and dispatch hard copy letters for ac
CPU Account Maintenance will forCPU Account Maintenan CPU Account Maintenance will forward file containing valid mobile numb
ADC Ops. will forward file to SMSADC Ops. will forwardADC Ops. will forward file to SMS vendor for execution and ensure timel
SMS Vendor will forward SMS to SMS Vendor will forwaSMS Vendor will forward SMS to respective mobile companies and share
CPU Will maintain provided SMSCPU lo Will maintain proCPU Will maintain provided SMS logs record for Audit purpose as per re
It is responsibility of ADC Ops It is responsibility It is responsibility of ADC Ops to provide AMU complete log of SMS Sen
For accounts other than IndividuaFor accounts other thaFor accounts other than Individual/Joint/Sole proprietorship or in case if
In case if mail gets returned th In case if mail gets In case if mail gets returned then the account will be marked WAU by CP
CPU-AMU shall extract report when CPU-AMU shall extract CPU-AMU shall extract report when an account becomes dormant, on d
CPU - Account Maintenance will ex CPU - Account Maintena CPU - Account Maintenance will extract the Intimation Letter Report on d
Likewise, status change report
c. An outward Remittance Transaction s Likewise,
c. An outward status chanLikewise,
received Remittance
at the branch status
c. AnTransaction
outward
/ CSC change
receivedreport
/Remittance
CPU at theshall
Transaction also
branch / be
received
CSCmonitored
/ at
CPU on daily
the branch basis/ by
/ CSC CP
Ensure that bank charges other tEnsure that bank charEnsure that bank charges other than service charges can be recovered f
CPU Account Maintenance (AMU) CPU
wi Account Maintenan CPU Account Maintenance (AMU) will activate dormant accounts manua
In case where account reflect re In case where accountIn case where account reflect restraint as CNIC expired BSM should sen
AMU LHR will retrieve the systemAMU LHR will retrieveAMU LHR will retrieve the system generated account activation report on
AMU LHRofwill
Handling generateInstructions
Customer report of AMU LHRofwill
Handling generate
Customer AMU LHRofwill
Handling
Instructions generateInstructions
Customer report of all DORMANT account holders on year
Has standing instruction (SI) received
Has standing
at CPU been
instruction
scrutinzed
Has(SI)
standing
received
by theinstruction
branch
at CPU like
been
(SI)
SI received
being
scrutinzed
machine
at CPU
by the
time
been
branch
stamped,
scrutinzed
like customer's
SI being
by themac
bra
s
Has original SI requests receive Has original SI reque Has original SI requests received in CPU on the same day or maximum
Has CPU reverted back to the bran Has CPU reverted back Has CPU reverted back to the branch for original standing instruction (SI
Does designated
in case officer at process
of any discrepancy, Does
intimation todesignated
in case the
of any
branch office
viaD
discrepancy, oes designated
ine-mail,
caseintimation toofficer
of any discrepancy, at processing
the branch intimation unit
via e-mail,
to thereview theviacustomers’
branch e-mail, standin
in case of insufficient funds in customer's
in case ofaccount,
insufficient
to attach
funds
in caseintimation
inof
customer's
insufficient
e-mailaccount,
funds
sent to
intorespective
customer's
attach intimation
branch,
account,
e-mail
with
to attach
the
sent
original
intimation
to respectiv
SI fore-r
Has processing department ensure Has processing departHas processing department ensured to deduct Standing Instruction char
Ensure that no SI charges in ca Ensure that no SI ch Ensure that no SI charges in case of consumer finance and Bancassura
Has CPU authorizer checked the Has t CPU authorizer ch Has CPU authorizer checked the transaction source document before au
Has CPU authorizer manually verif Has CPU authorizer man Has CPU authorizer manually verified the auto authorized transaction pr
Has processor upon receipt of orHas processor upon re Has processor upon receipt of original documents from branch, ensured
Is Daily transaction report (DTR Is Daily transaction Is Daily transaction report (DTR) checked where manual S.I posting is do
Has the CPU staff maintained all Has the CPU staff maiHas the CPU staff maintained all outstnding SI to be processed manually
In case of cancellation requests In case of cancellatio In case of cancellation requests received from branch, has the request m
Has CPU confirmed via e-mail to Has b CPU confirmed via Has CPU confirmed via e-mail to branch for cancellation of SI?
Has original SI cancellation req Has original SI cance Has original SI cancellation requests reached in CPU max by next worki
Is manual MIS remarks column foIs manual MIS remarks Is manual MIS remarks column for cancellation updated ?
Has CPU informed the branch viaHas e CPU informed theHas b CPU informed the branch via e-mail if transaction not executed due
Ensure that Immediately after Ram Ensure that Immediatel Ensure that Immediately after Ramadan 1st, (i.e. After valuation date) C
Has CPU applied
Outward Clearing the cheque book
Has CPU applied
Outward Clearing the Has CPUClearing
Outward applied the cheque book in the system on the basis of CRF/AR
Has CPU staff,prior to acknowledgingHas CPU
the receipt
staff,prior
of cheques
toHas
acknowledging
CPUensured
staff,prior
tothe
verify
to
receipt
acknowledging
that of
thecheques
instruments
the
ensured
receipt
and todeposit
ofverify
cheques
slips
that ensured
the
areinstrum
kepttoin
Ensure that bags were picked upEnsure that bags wereEnsure that bags were picked up by the authorized staff of NIFT?
Has the designated user in CPU C Has the designated usHas the designated user in CPU Clearing compiled MIS batch wise for u
Has designated user in CPU checHas designated user Has designated user in CPU checked and matched branch SOFT copies
Are all BT related transactions ( Are all BT related tr Are all BT related transactions (PSO/ Credit Cards) posted manually by t
Ensure that upon receipt of outw Ensure that upon receEnsure that upon receipt of outward clearing return alternatively CPU wil
Are transactions related to Outw Are transactions rela Are transactions related to Outward Clearing authorized in the system by
Ensure all rejected transaction (r Ensure all rejected tr Ensure all rejected transaction (restraint, error or reason) manually poste
Check that transaction posting a Check that transactio Check that transaction posting and authorisation limits are adhered by th
CPU will ensure that Payee accoun CPU will ensure that PCPU will ensure that Payee account is credited against the proceeds of t
Are System report/ debit vouchers Are System report/ deb Are System report/ debit vouchers for all debit & credit transactions cros
Check if the outward clearing is Check if the outward cCheck if the outward clearing is balanced or not?
Is outward clearing settlement G Is outward clearing s Is outward clearing settlement GL credited by debiting normal outward R
Has CPU, clearing debited respeHas CPU, clearing deb Has CPU, clearing debited respective settlement account & credited resp
Is deposit settlement Account creIs deposit settlement Is deposit settlement Account credited by CPU- Clearing upon realization
Is an excel sheet showing amountIs an excel sheet sho Is an excel sheet showing amount, account number and reason of all ins
Are details of all returned chequ Are details of all ret Are details of all returned cheques noted in Branch wise folio of Cheque
Upon receipt of returned instrum Upon receipt of retur Upon receipt of returned instruments, has CPU delivered the returned ch
Are branch wise deposit slips / v Are branch wise deposi Are branch wise deposit slips / voucher bundles prepared and stitched b
Has designated clearing staff croHas designated cleariHas designated clearing staff crossed checked all transactions through s
Is reconciliation
Inward Clearing of RTGS A/C (ouIs reconciliation
Inward Clearing of Is reconciliation
Inward Clearing of RTGS A/C (outward/inward) carried out daily and evid
Ensure that in case Clearing bagsEnsure
are improperly
that in case
sealed/broken/tampered.CPU
Clearing
Ensure bags
that inare
caseimproperly
Clearing
shall
sealed/broken/tampered.CPU
bags
refuse
aretoimproperly
accept thesealed/broken/tampere
clearingshall
bagsrefuse
& inform
to
Is counting of instruments and veri Is counting of instrumeIs counting of instruments and verification with NIFT scroll carried out? In
Is scrutiny of instrument i.e. che Is scrutiny of instrum Is scrutiny of instrument i.e. checking of date, amount in words and figur
Are Cheques, POs & DDs analyzed Are Cheques, POs & DD Are Cheques, POs & DDs analyzed in ultraviolet light & IV Marker for pa
Is verification of customers’ sig Is verification of cus Is verification of customers’ signatures on the instruments carried out by
Are all inward clearing cheques Are all inward cleari Are all inward clearing cheques bearing crossing / endorsement and clea
Is call back process followed for Is call back process f Is call back process followed for cheques presented in the inward clearin
Ensure that CPU posts the transac Ensure that CPU posts Ensure that CPU posts the transactions within 30 minutes if no response
In case funds have not been made In case funds have notIn case funds have not been made available by 12.00 p.m. in solitaire ac
Are cheques drawn on dormant ac Are cheques drawn onAre cheques drawn on dormant accounts invariably returned by CPU ho
Are Cheque Return memos prepare Are Cheque Return mem Are Cheque Return memos prepared in accordance with Returns Code
Are cheque return charges recove Are cheque return chaAre cheque return charges recovered for cheques returned due to insuff
Are Returned cheque memos signed Are Returned cheque Are m Returned cheque memos signed jointly by the Officer of CPU, Cleari
copies ofreturn
Are cheque branch wise return
charges reversed copies of
Are subject
cheque to branch
return
approval
charges
Are copies
of cheque
the ofreturn
reversed
same branch
from
subject wise
charges returned
competent
to approval
reversedofinstrument
authorities
subject
the sameto filed
only? fromand
approval kept
competent atsame
of the appropria
authoritie
from
Is NIFT return bundle prepared s Is NIFT return bundle Is NIFT return bundle prepared stating the total number of instruments b
Is process of balancing of inwardIs process of balancinIs process of balancing of inward clearing followed by cpu staff?
Are all Inward Clearing transacti Are all Inward ClearinAre all Inward Clearing transactions checked by the Supervisor through
Is application of stamps on all c Is application of stam Is application of stamps on all cheques paid in clearing & preparation of
Ensure that while claiming funds Ensure that while cla Ensure that while claiming funds through PO against returned instrumen
Is process of inward clearing upl Is process of inward Is process of inward clearing upload followed by cpu as per SOP clause
Ensure that Inward clearing files Ensure that Inward cleEnsure that Inward clearing files are extracted from dongle software in th
Are the I/W cheques scrutinized aAre the I/W cheques sc Are the I/W cheques scrutinized and signatures verified by respective us
Are cheques of inward clearing up Are cheques of inwardAre cheques of inward clearing uploaded / scrutinized as per assigned li
Has user ensured that a/c# and aHas user ensured thatHas user ensured that a/c# and amount of physical cheque matched with
Ensure that branch-wise inward cEnsure that branch-wiEnsure that branch-wise inward clearing file uploaded in system by using
Ensure that only standard chequ Ensure that only sta Ensure that only standard cheques are uploaded in system while PO and
Ensure after successfully up-loadEnsure after successfu Ensure after successfully up-loading supervisor extract two reports for re
Ensure that rejected cheques dueEnsure that rejected Ensure that rejected cheques due to problem in serial number are poste
Payment and signature verificat Payment and signature Payment and signature verification done throug UV scanner on paid che
Are all honoured cheques kept inAre f all honoured chequ Are all honoured cheques kept in fire proof vault for record.
Ensure that when fake/forged Instrument Ensure that presented
when fake/forged
to Ensure
CPU, CPU/ that
Instrument
Designated
when fake/forged
presented
branches Instrument
to CPU,
will return
CPU/
presented
the
Designated
photocopy
to CPU, branches
ofCPU/
fake/forge
Desig
will re
Ensure that upon discovery of of Ensure that upon disco Ensure that upon discovery of of fraudlant transaction, all such cases we
Has fraud event reported to ORMHas fraud event repo Has fraud event reported to ORM as per ORM Policy & related SOPs for
-Has designated
in case officer ofinCPU
of discerpancy affixed
-Has
the instrument,designated
receiving
in case of
matter (with
officer
time
discerpancy
taken -Has
upofin&
in CPU
designated
date)
case
with
the affixed
stamp
respective officer
receiving
instrument,
of after
discerpancy of
ensuring
branch's
matterinCPU
(with
the
taken
BSm affixed
time
the
or receipt
&
instrument,
up BMreceiving
date)
with on of
stamp
outward
(with
respective
matter
the sameafter
taken time
collection
ensuring
branch's
day?
up &with
date)
BSm the
or
stamp
oroutw
rec
respectivBM
-Has CPU officer held the instrument -HastillCPU
remidial
officer
action
held-Hasor
thereturned
instrument
CPU officerto branch
tillheld
remidial
the
in case
instrument
action
can't orbereturned
tillresolved
remidial to branch
and
action
send or
in case
e-mail
returned
can't
to to
the
be
bra
cr
Ensure that intercity clearing ch Ensure that intercity Ensure that intercity clearing cheques of customers posted in deposit m
Check that Specific Intercity cle Check that Specific InCheck that Specific Intercity clearing stamp of FBL affixed on cheques b
Intercity realizations will be che Intercity realizations Intercity realizations will be checked by CPU on daily basis online using
Is the printout of MIS of Intercit Is the printout of MIS Is the printout of MIS of Intercity clearing cheques jointly signed by clear
Has the sealed bag handed over Has to the sealed bag han Has the sealed bag handed over to NIFT's authorized rider for lodgemen
Has the charges recovered as perHas the charges recovHas the charges recovered as per SOC. For islamic banking customers,
Is realization date of cheque upd Is realization date o Is realization date of cheque updated on the intercity MIS under remarks
Are all vouchers of daily entries Are all vouchers of d Are all vouchers of daily entries passed, counter-checked by supervisor
Is CPU checking and reconcilingIs CPU checking andIs CPU checking and reconciling GL accounts on daily basis?
Has designated CPU staff manuaaly Hasdebit
designated
the cheque
CPU retuen
Has
staff designated
manuaaly
charges debit
from
CPUcustomer
the
staffcheque
manuaaly
a/cretuen
upondebitcharges
released
the cheque
from
of float
customer
retuen
in system?
charges
a/c upon fro
Has cheque return charges recove Has cheque return cha Has cheque return charges recovered against reason of Funds Insufficie
Is returned cheque register repo Is returned cheque reIs returned cheque register report excel based prepared by respective C
Has the copies of returned instru Has the copies of retuHas the copies of returned instruments & cheque returned memo along w
Designated staff of respective CPDesignated staff of reDesignated staff of respective CPU / Clearing Hub Branch, via e-mail sh
Are returned cheques kept underAre returned chequesAre returned cheques kept under dual custody of designated staff and su
Is proper acknolwedgement obtaine Is proper acknolwedgem Is proper acknolwedgement obtained after handing over of returned outw
Has the date-wise deposit slip's
- required stamps are affixed on front Has the
- required date-wise
and reverse
stampssideare Has
depo -of allthe
affixed
required date-wise
instruments
on stamps
front and bydeposit
are reverse slip's
respective
affixed side bundles
on branch
front
of alland prepared
instruments
alongreverse and
with side stitched
authorized
by respective bybranch
design
of all instruments
signatures
- in case of any discrepancy, has -matter in casetaken
of anyupdiscrepancy,
with respective
- in casehas ofbranch
any
matter
discrepancy,
and
taken heldup the
with
has intrument
respective
matter taken till branch
remedial
up with
and action
respective
held taken
the intrumen
branch
up by
Has CPU lodged through intercityHas CPU lodged throug Has CPU lodged through intercity clearing (for chq drawn on cities where
Has designated staff of CPU/Clearing Has designated
Hub, entered staff
theofHas
realzied
CPU/Clearing
designated
outward staff
Hub, collection
of
entered
CPU/Clearing
transactions
the realziedHub, along
outward
entered
withcollection
the
therealzied
date oftransaction
realizatio
outward
Has all outward collection relate Has all outward collecHas all outward collection related transactions carried out during the day
Has electronic journal report si Has electronic journa Has electronic journal report signed by supervisor and A.M of CPU?
Are cheque returned charges reco Are cheque returned cAre cheque returned charges recovered in case of cheques returned due
Have copies of the returned instr Have copies of the re Have copies of the returned instruments and cheque returned memo alo
Have the outward returned collecHave the outward retuHave the outward returned collection cheques sent to the attention of BM
Have the Paid stamp along with dat Have the Paid stamp al Have the Paid stamp along with date be affixed on original collection lett
Has the date-wise deposit slip's Has the date-wise depo Has the date-wise deposit slip's bundles prepared and stitched by design
Have LCY collection cheque charg Have LCY collection cHave LCY collection cheque charges/courier charges on intercity /norma
Are all outstanding cases repor Are all outstanding Are all outstanding cases reported to Manager CPU?
Any case noted in which CPU fails Any tocase
creditnoted
the payee’s
in which Anyaccount
CPU
case fails
noted
duetotoin
credit
anywhichreason?
theCPUpayee’sfailsaccount
to creditdue the to
payee’s
any reason?
account due to
Ensure that CPC payed markup @ Ensure
3 that CPC payed Ensure that CPC payed markup @ 3% above the SBP policy rate to Pay
Banks shall resolve the clearing relatedBanks shall
issues/complaints
resolve the Banks
clearing
within
shallseven
related
resolve
working
issues/complaints
the clearing
days from related
the
within
date
issues/complaints
seven
of receipt
workingof complaint
days
withinfrom
seventhew
II. The Clearing House shall convene II. The
a meeting
ClearingofHouse
the Banks
II.shall
The and
convene
Clearing
resolve
a
House
meeting
the disputes
shall ofconvene
thebyBanks
mutual
a meeting
andagreement
resolve
of the
the
within
Banks
disputes
three
andby
resolv
workin
mutu
III. All such disputes shall not takeIII.more
All such
thandisputes
fifteen working
shall
III. All
notdays
such
takefrom
disputes
morethethan
date
shall
fifteen
of
not
receipt
take
working
more
of complaint
days
thanfrom
fifteen
for
the
their
working
dateresolution.
of days
receipt
from
How
of cth
Ensure
V. that the
The copies ofdisputes that &caother
instruments Ensure
V. The that the
relevant
copies ofdispu
documents Ensure
instruments
V. The
(where&that
copiesthe
other disputes
required)
ofrelevant that &cannot
instruments
are retained
documents be resolved
other(where
relevant amicably
required)
documents between
are retained
(where the C
require
Ensure that collection schedule/ Ensure that collectio Ensure that collection schedule/letter to be dispatched to drawee bank/c
Respective supervisor would verifRespective supervisorRespective supervisor would verify the same. Care should be exercised
Covering letter should be signed Covering letter shoul Covering letter should be signed by two signatories (Assistant Managers
Ensure that he register will be r Ensure that he registeEnsure that he register will be reviewed by the Supervisor /Assistant Ma
Subsequent
II. to processing
Consolidated of realiII.
liabilities against Sthe
ubsequent
chequesto
Consolidatedprocessi
returned Subsequent
liabilities
II.
unpaid to day
Consolidated
against
on the
the processing
cheques
liabilities of realized
to be returned
reversed.
against the instrument
unpaid
cheques in system,
on thereturned
day to be “Paid”
unpaid
reversed.stamp
on the da
COC return charges as prevailingCOC return charges as COC return charges as prevailing in the current schedule of charges as
Monthly balancing
Physical Access for the outstanMonthly balancing
Physical Access for Monthly
Physical balancing
Access for the outstanding liabilities of cheques sent for colle
Ensure that entrance of unauthorized Ensure person
that entrance
is restrictedof
Ensure
unauthorized
in CPU thatVault
entrance
person
area.of is
unauthorized
restricted in person
CPU Vaultis restricted
area. in CPU Vault a
Ensure that designated clearing sEnsure that designated Ensure that designated clearing staff must cross check all transactions th
Ensure that one officer of the CPU Ensure that one officeEnsure that one officer of the CPU designated as the security & safety o
Ensure that CCTV cameras coverEnsure C that CCTV came Ensure that CCTV cameras cover CPU entry/exit doors, CPU vault area
Ensure that staff identify techni Ensure that staff ide Ensure that staff identify technicians before allowing them access to CCT
Ensure that staff always lock the Ensure that staff alwaEnsure that staff always lock their PCs while going away from their work
Ensure that the CCTV equipmentEnsure i that the CCTVEnsure that the CCTV equipment installed in the CPU is password prote
Ensure that external USB (Univers Ensure that external UEnsure that external USB (Universal Serial Bus) ports of desktop person
Ensure that keypad is installed o Ensure that keypad isEnsure that keypad is installed on entrence and locked all the time to res
Are the panic buttons installed i Are the panic buttons Are the panic buttons installed in CPU (if any) operational and checked o
Ensure that alarm system and surEnsure that alarm sysEnsure that alarm system and surveillance equipment periodically tested
Ensure necessary lights, sufficienEnsure necessary light Ensure necessary lights, sufficient for clear visibility in the secured areas
Ensure that CPU must have emerge Ensure that CPU mustEnsure that CPU must have emergency first aid box fully stocked with ne
Ensure that a portable fire exting Ensure that a portableEnsure that a portable fire extinguishers are installed in the CPU.
Ensure that any staff member is Ensure that any staff Ensure that any staff member is not allowed in CPU premises after close
Ensure that staff follow the HR c Ensure
User Security: that staff foll Ensure
User Security: that staff follow the HR circular dated: 11-04-18. regarding Mainte
User Security:
Obtain Organization
Role Definition Chart, JDs ofObtain
all staff
Organization
and
Role Definition their back
Chart,
Obtain
ups. JDs
Organization
Obtain
of alllatest
Role Definition staff and
user
Chart,their
profiles
JDs back
offrom
all
ups.
staff
both
Obtain
and
systems.
their
latest
back
Ask
userups.
for
profiles
the
Obtain
latest
from
late
reb
Are assigned roles to individuals Are matchedassigned
with roles
their toJDs?
Are
individuals
assigned matched
roles towith
individuals
their JDs? matched with their JDs?
Are all IDs authorized by respect Are all IDs authorizedAre all IDs authorized by respective line Managers?
Ensure that users must not shareEnsure that users musEnsure that users must not share his/her passwords in any circumstance
Is every ID linked to a particular Is every ID linked to Is every ID linked to a particular desk in CPU in order to identify respons
Is the assignment of user rights Is the assignment of uIs the assignment of user rights based on pre-defined roles?
Are conflicting roles assigned to Are conflicting roles Are conflicting roles assigned to any individual?
Are dormant activation rights / ro Are dormant activationAre dormant activation rights / role assigned to authorized staff only?
AreAnnual
Bi- entry and authorization
Review both rBi-
of User Roles AreAnnual
entry and authoriz
Review AreAnnual
of User
Bi- entry
Roles and authorization
Review of User Rolesboth rights given to any staff?
Are defined IDs and assigned roles Arereviewed
defined IDsat least
and semi-annually,
assigned
Are defined roles
IDswith
reviewed
and
a formal
assigned
at least
sign-off
roles
semi-annually,
by
reviewed
responsible
atwith
least
business
a formal
semi-annually,
owners?
sign-off by
withr
Are Exceptions (e.g. privilege c Are Exceptions (e.g.
Creation / Modification of User Id Creation / ModificationCreation Are Exceptions (e.g. privilege
of User /IdModification of User Id change, disablement, etc) if any, reported
Are only rights/roles that formally Are
Transfer/Termination/Resignation requested
only rights/roles
are assignedthat
Are
Transfer/Termination/Resignation
of Employee to
formally
only
the rights/roles
IDs?
requested that
areformally
Transfer/Termination/Resignation
of Employee assigned requested
of to the IDs?
Employee are assigned to the IDs?
Does CPU manangement intimate Does
to HR CPUfor manangement
any resignation
Doesintimate
CPU
or transfer?
manangement
to HR for anyintimate
resignationto HRor for
transfer?
any resignation or transfer?
Is ID Management Team asked toIs ID Management TeaIs ID Management Team asked to disable employee User IDs?
Does ID Management Team enable Does ID ManagementDoes Te ID Management Team enable the employee ID on his day of join-b
Does employee notify the ID Manag
General Does employee notifyGeneral
General Does employee notify the ID Management Team immediately if there is
Ensure role / user ID rights not allocated
Ensure rolewithout
/ user
required
ID rights
Ensure
approvals.
notrole
allocated
/ user ID without
rights required
not allocated
approvals.
without required approvals.
Have all employees given mandat Have all employees gHave all employees given mandatory sign-off to Employee IT Security G
Ensure that records of data of customer Ensure due that diligence
records of(e.g.
Ensure
dataCNIC,
ofthat
customer
passport,
recordsdue ofdriving
data
diligence
oflicense,
customer
(e.g.account
CNIC,
due passport,
diligence
files and (e.g.
driving
business
CNIC,
license,
correspo
passp
ac
Is administration powers observeIs administration pow Is administration powers observed by branch while using Imprest accoun
Are relevant bills enclosed with Are relevant bills en Are relevant bills enclosed with expense vouchers?
Is visit book maintained by CPU?Is visit book maintai Is visit book maintained by CPU?
Is "Save As You Earned Policy" Is "Save As You EarneIs "Save As You Earned Policy" followed by the CPU?
Ensure that up to date job descri Ensure that up to dat Ensure that up to date job description of all employees are in place, whic
Ensure that proper leave record iEnsure that proper leaEnsure that proper leave record is maintained, and staff avail the leave a
Ensure that staff follow the HR c Ensure that staff foll Ensure that staff follow the HR circular dated: 16-04-19. regarding dress
Ensure that bransh staff follow n Ensure that bransh staEnsure that bransh staff follow no smoking policy.
Ensure leaves taken are in accord Ensure leaves taken ar Ensure leaves taken are in accordance with bank’s policy and PL must b
Ensure that in case of carryover Ensure that in case o Ensure that in case of carryover of PL up to a maximum of 10 working da
Ensure current year leave roster Ensure current year l Ensure current year leave roster is on record and the same was sent to H
Ensure that all the leaves shoul Ensure that all the l Ensure that all the leaves should be updated in HRMS which should be
Ensure in case staff is released Ensure in case staff i Ensure in case staff is released before the completion of notice period ap
Ensure handing over / taking overEnsure handing over /Ensure handing over / taking over procedure followed at the time of staff
Ensure staff wear bank I.D cards Ensure staff wear bank Ensure staff wear bank I.D cards during officer hours.
Ensure that the CPU conducts traEnsure that the CPU cEnsure that the CPU conducts training courses / workshops to give a cle
Ensure that proper back-up arranEnsure that proper baEnsure that proper back-up arrangement of the staff at CPU.
Ensure business continuity plan Ensure business contiEnsure business continuity plan properly maintained and tested.
Obtain the Business Continuity PObtain the Business CObtain the Business Continuity Plan of the CPU and assess whether it is
Is fire drill carried out periodicallyIs fire drill carried out Is fire drill carried out periodically?
Does the
Ensure CPU
that staff familiariswith
CPU-clearing Does the
reconciling
Ensure all CPU
that staff fam
unclaimed Does
theCPU-clearing
Ensure
& isthe CPU
outstanding staff
reconciling
that allfamiliar
CPU-clearing
pay the iswith
orders
unclaimedthe &BCP
reconciling alldetails?
on fortnightly
outstanding
basis
the unclaimed
through
pay orders
reports
& outstanding
onof
fortnigh
uncla
Are theifproofs
Check duly signed
the proofing by co Are
of all suspense theifproofs
Check
accounts isduly
the proofings of
Are
conductedallthe
Check byifproofs
suspense
the duly
the proofing
5th signed
accounts
of every
of allis
monthby concerned
suspense
conducted
for the officer
accounts
by
preceding
the 5this&conducted
Assistant
of
month. Manager
every month
by thefor5thof ot
the
Check if the entries booked in theCheck
Suspense
if theAccounts
entries booked
Check
are settled
inif theinSuspense
entries
the shortest
booked
Accounts
possible
in theare
Suspense
time
settled
i.e. within
in
Accounts
the ashortest
maximum
are settled
possible
of thirty
in time
theda
Is the
iii. concernedbank
Beneficiaries staff &ensured
CountrythIs
is the concerned
iii.mentioned
Beneficiaries staf iii.
Is
in Remittance
bank the
& Countryconcerned
Beneficiaries
application. staff &ensured
is mentioned
bank that
Country the application.
in Remittance DepositinSettlement
is mentioned Remittanceaccount shou
application.
iv. APurpose
SystemofTrack
Remittance is mentioned
Audit Number iv. Purpose
in the
(reference
A System ofTrack
payment
Remittance
number) Auditchain/message.
(STAN)
iv. APurpose
is which
mentioned
Number
System ofTrack
Remittance
in
(reference
should the
Audit
be apayment
is mentioned
number)
Number
unique chain/message.
(STAN)
number inofthe
(reference
which all payment
number)
should chain/message.
transactions
be
(STAN)
a unique
which
numbe
shou
Ensure that screening of transactEnsure that screeningEnsure that screening of transactions with increased risk countries would
Upon receiving intimation from A Upon receiving intimaUpon receiving intimation from AML team for any outward remittances be
CPU on a daily basis will obtain CPU on a daily basis w CPU on a daily basis will obtain Nostro account from FIG for effecting the
Designated
Manager -->staff of CPU, RemittaDesignated
USD15,001/- (or equivalent staff
Managerin-->
other of C Designated
USD15,001/-
CCY) Manager
and (or
above-->staff
equivalentof CPU,
USD15,001/- Remittances
in other(or
CCY) and would
equivalent
above enterCCY)
in other complete details of or
and above
Designated staff would extract a Designated staff woulDesignated staff would extract and take print out of Outward Remittance
Ensure that transmitted copies o Ensure that transmitt Ensure that transmitted copies of all SWIFT messages as per system ge
All Outward Remittance transactiAll Outward RemittancAll Outward Remittance transactions must be thoroughly checked and cr
Respective Supervisor or AssistaRespective SupervisorRespective Supervisor or Assistant Manager CPU, Remittances must ch
All queries and correspondence wAll queries and corre All queries and correspondence with Nastro/beneficiaries bank regarding
Designated
v. Amount isstaff of CPU,
checked withRemittaDesignated
SWIFTv.reference staff
Amount isnumber of C
checked Designated
(field
v.
with
Amount
20SWIFT isstaff
of the of CPU,
reference
checked
MT103 with
withRemittances
number
NOSTRO
SWIFT
(field 20would
reference
activity
of theretain
report
number
MT103 all original
(field
with 20 offorms
NOSTRO in a
the MT1
acti
In case of any discrepancy in SWIn case of any discre In case of any discrepancy in SWIFT MT 103 message such as spelling
In case of any restraint such as In case of any restra In case of any restraint such as dormant or whereabouts unknown/return
All Inward remittances transactionsAll Inward remittancesAll Inward remittances transactions posted in the system (debit respectiv
Designated staff of CPU, RemittaDesignated staff of C Designated staff of CPU, Remittances must ensure to process inward re
Designated staff/Assistant ManagDesignated staff/Assi Designated staff/Assistant Manager /Manager CPU, Remittances must e
All processed Inward remittancesAll processed Inward All processed Inward remittances along with user ID report/daily transac
Designated staff of CPU, RemittaDesignated staff of C Designated staff of CPU, Remittances would also update currency wise
Designated staff or respective A Designated staff or r Designated staff or respective Assistant Manager of CPU, Remittances m
CPU, Remittances would also send CPU, Remittances woul CPU, Remittances would also send inward remittances data for the mon
Monthly Foreign Exchange returns Monthly
would Foreign
be prepared
Exchange
and
Monthly
submitted
returns
Foreign
would
to Exchange
State
be Bank
prepared
returns
of Pakistan
and
would
submitted
with
be prepared
a copy
to State
toand
Treasury
Bank
submitted
of Pakista
BacktoO
Subsequent to posting of all for Subsequent to postingSubsequent to posting of all forms in Foreign Exchange Return system (
Designated staff of CPU, Remittan Designated staff of CPDesignated staff of CPU, Remittances must ensure that data entered in
Respective Supervisor and / or AsRespective SupervisorRespective Supervisor and / or Assistant Manager of CPU, Remittances
Designated
Inward staff or respective SuDesignated
Remittance staff or r Inward
Inward Remittance Designated staff or respective Supervisor must ensure that acknowledge
Remittance
Select a sample of inward remittances
Selectreceived
a sampleand of inward
check
Select
that
remittances
a particulars
sample ofreceived
inward
of INWARD
and
remittances
check
REMITTANCE
that
received
particulars
are
andentered
check
of INWARD
that
in the
particula
REMIT
IR reg
To ensure that all the SWIFT (MTTo ensure that all th To ensure that all the SWIFT (MT 103/202) received from Swift depatme
The message should be date & t The message should The message should be date & time stamped by SWIFT department
To ensure that complete informa To ensure that compl To ensure that complete information of ordering customer mentioned on
Are the remittanes is in accordanAre the remittanes is Are the remittanes is in accordance with the customer profile, business a
To ensure that name of beneficiaTo ensure that name oTo ensure that name of beneficiary, order customer, ordering bank and o
Value Date of Message is checkeValue Date of MessagValue Date of Message is checked for post dated message.
To ensure that amount Checking T wo ensure that amountTo ensure that amount Checking with SWIFT reference number (field 20
To ensure that beneficiary’s na To ensure that benefi To ensure that beneficiary’s name & account number printed on the inwa
To ensure
All that in case
such remittances of discre
would To back
be sent
All ensure
suchto thatremitting
in caswould
remittances
the ToBank
All ensure
such
beby that in case
remittances
sent
authorizing
back of discrepacny
towould
the
respective
remitting
be sent in SWIFT
correspondent
Bank
back by
to the MT 103respective
authorizing
remitting
to debit i.e wrong
our
Bank accou
account
by authori
corres
thro
Ensure that messages
Inward remittances are complete
(foreign Ensure
currency
Inward that messages
to foreign
remittances Ensure
currency)a≤ $ currency
(foreign
Inward that messages
10,000/-
remittances
(or arecurrency)
to foreign complete
equivalent)
(foreign will be≤in
currency $ all
to respects
processed
10,000/-
foreign by for credit
currency)
(or CPU, $ to
equivalent) beneficia
≤remittances
10,000/-
will bewi
(o
pr
sendsend
CPU, Remittances would also the ntheRemittances
CPU, woul
name of the would
beneficiary,
CPU,also
Remittances
send
account
the name
number, send
wouldofalso
the the name
amount,
send
beneficiary,ofaccount
ordering
the name theofbeneficiary,
customer
thenumber, account
beneficiary,
etc. for
amount,
inward num
account
ord
rem
Branch Manager/ RM/Branch Service
Branch
Manager/designated
Manager/ RM/Branch
Branch
officer
Manager/
Service
of respective
Manager/designated
RM/Branch
Branch Service
wouldofficer
Manager/designated
confirmof respective
KYC/AML/dueBranch
officer
diligence
would
of resp
f
To ensure that CPU designated stTo ensure that CPU de To ensure that CPU designated staff would enter details of all inward swi
To ensure that in case of any res To ensure that in cas To ensure that in case of any restraint i.e dormant or whereabout unknow
To ensure that daily transaction
Manager/Sr.Manager To ensure
> USD 25,001.00 that daily Manager/Sr.Manager
Manager/Sr.Manager
(or equivalent) To
>
andensure
USD
above that daily
25,001.00 (ortransactions
equivalent) report
> USD 25,001.00 should
and above be signed
(or equivalent) byabove
and the Supervis
To ensure
Ensure thatthat all the remittanc
a designated To ensure
staff/Assistant
Ensure thatthat
Manager all/Manager
th Ensure
a designatedTo ensurethatthat all the
staff/Assistant
CPU, Remittances
a designatedremittances
Manager must processed
staff/Assistant
/Manager
ensure that
CPU, during
Manager the day
allRemittances
transactions
/Manager should
must
carried
CPU, beon
ensure
out re
Remitth
inward remittances received on the
inward
next
In case a credit is given in NostroInactivityremittances
working
case areport
creditbutday received
to
is giveninward
SWIFT avoid
In case on
any
remittances
in MT-103
Nostrothe
possible
a creditnext
activity
of the working
received
duplication.
is given
same
report day
inisbuton
Nostroto
the
A
notSWIFT avoid
confirmation
next
received any
activityworking
MT-103
from possible
report ofday
doing
remitting
of but to
duplication.
the SWIFT
sameavoid
so must
anyalso
Apossib
confi
/ correspondent
isMT-103 be
not received
of thB
Designated staff or Assistant ManagerDesignated
CPU, Remittances
staff or Assistant
Designated
wouldManager
debit
staffcustomer
or
CPU,
Assistant
Remittances
and Manager
credit WH_Tax
would
CPU, debit
Remittances
on Remittances
customer would
andAccount
credit
debitWH
of
cu
To ensure that staff should updatTo ensure that staff s To ensure that staff should update currency wise details of all inward rem
To ensure that
Designated staff
staff should
of CPU enter Designated
To ensure
remittances that staff
while submitting
staff sthe
To relevant
of CPU ensure
Designatedthat
remittances staff
forms
staff
while should
oftoCPU
SBP enter
submitting schedule
remittances
must ensure
the that wise
relevant
while details
submitting
purpose
forms of Form
tocodes
SBP
the 'R'
relevant
are and IR
mustappropria
ensure
formst
Ensure that in case where the coEnsure that in case wEnsure that in case where the concerned branch did not respond to CPU
Ensure
Purposethat particulars of
of Remittance benefi
along withEnsure
Purposethat
complete particula
of details
Remittance Ensure
along that
of ordering
Purpose with particulars
customer
of Remittance
complete of
and otherbeneficiaries
details
along relevant
of
with and
ordering
complete amounts
information
customer
details ofwill
must
and be reported
ordering
be
other
carefully
relevantby
infC
customer
entere
Designated staff of CPU, Remittances
Designated
must ensure
staff ofto
CPU,
process
Designated
Remittances
inward
staffremittances
of
must
CPU,
ensure
Remittances
received
to process
onmust
account
inward
ensure
remittances
of home
to process
remittances
received
inward sh
on
re
Designated staff or respective Assistant
Designated
Manager
staff of
or CPU,
respective
Designated
Remittances
Assistant
staff must
orManager
respective
ensureofthat
Assistant
CPU,currency
Remittances
Manager
wise maximum
of
mustCPU,
ensure
Remittances
40 entries
that curre
arem
Ensure that concerned Supervisor Ensure that concernedEnsure that concerned Supervisor or Assistant Manager of CPU, Remitta
Ensure that designated staff of Ensure that designateEnsure that designated staff of CPU, Remittances would retain all origina
Ensure that swift transfer receiv Ensure that swift tran Ensure that swift transfer received favoring a customer will be credited to
To ensure that payment made to To no ensure that paymen To ensure that payment made to non-account holder after the proper ide
To ensure that if the beneficiar To ensure that if the To ensure that if the beneficiary does claim the amount within six months
Ensure commercial payments areEnsure n commercial pay Ensure commercial payments are not credited into foreign currency acco
To ensure that if issuing bank h To ensure that if iss To ensure that if issuing bank has cancelled a transfer a notation “payme
Application form should be obtainedApplication
dully signed
formby
should
theApplication
customer
be obtainedin
form
case
dully
should
ofsigned
companies
be obtained
by theletter
customer
dully
headsigned
in
dulycase
by
signed
of
thecompanies
customer
by the authorize
in
letter
caseh
Customer
to signature
ensure that IBAN should be veri
Customer
(International
toBank
ensure signature
account
that IBAN sho
number)Customer
(International
to ensure signature
for all swift
thatBank should
transfers
IBAN account be applicable
verifeid
(International
where
number) for by
Bank all the
swiftauthorized
account
specifically
transfers
number) signatories
for Middle
where
for all East
applicab
swift cou
tran
To ensure that CPU receipt the apTo ensure that CPU reTo ensure that CPU receipt the application and cross check ordering cus
To ensrue that screening of transTo ensrue that screenTo ensrue that screening of transactions with increased risk countries sh
To ensure that all remittances cl To ensure that all re To ensure that all remittances cleared in OFAC should be reported to TF
Beneficiary’s name, account numb Beneficiary’s name, aBeneficiary’s name, account number, beneficiary banks name & address
Purpose
Are of remittance
the remittanes is inisaccordance
mentione
Purpose
Arewith of customer
the the remittance
remittanes Purpose
is in
profile,
Are of remittance
accordance
thebusiness
remittanes
with is inis
available
the mentioned
customer
accordance
on bank’s on
profile,
withthe
recordtheapplication.
business
and
customer
according
available
profile,
toonthe
business
bank’s
AML/CF
rec
a
KYC and AML check has been performed
KYC and for
AML beneficiary
check has
KYC
&been
ordering
and AML
performed
customer.
checkforhasbeneficiary
been performed
& ordering
for beneficiary
customer. & ordering cust
To ensure that all the transacti To ensure that all th To ensure that all the transactions should be checked and authorized by
To ensure that all the outward r To ensure that all th To ensure that all the outward remittance processed during the day shou
Ensure that details of SWIFT tranEnsure that details of Ensure that details of SWIFT transfer entered in the System & in registe
To ensure that swift MT 103 will To ensure that swift To ensure that swift MT 103 will be transmitted by SWIFT department, H
To ensure that all SWIFT message To ensure that all SWTo ensure that all SWIFT message as per system generated reference n
To ensure that all the transctio To ensure that all th To ensure that all the transctions must be chekced and cross verified wit
Designated
In case any staff or Assistant
transaction M missing
is found Designated
In case in
any staff
Nostro or A Designated
transaction
Activity
In is
case
Report,
found staff
anymissing or in
respective Assistant
transaction Nostro Manager
Supervisor
is found
Activity
missingofin
CPU,
or Assistant
Report, Remittances
Nostro
respective
Manager
Activity upon
Supervisor
CPU,
Report, receiv
Remittance
respec
or As
To ensureForm
Relevant that all
‘M’the transact is Relevant
(if required) To ensure
duly that signed
filledForm
and all
‘M’t (if required)
To
by ensure
Relevant that
dulyall
the applicant.
is
Form ‘M’ the
filled
And transactions
(if required)
and
coding
signed above
ofispurpose
duly
by the US$
filled and15,000/-
applicant.
of remittance
signed (orForm
Andon eqvapplicant.
coding
by the in
of other
‘M’ is in C
purpose a
To ensure that CPU would enter dTo ensure that CPU wo To ensure that CPU would enter details of Form 'M' in Schedule E4-P4/E
Ensure that concerned Assistant Ensure that concernedEnsure that concerned Assistant Manager or Manager of CPU, Remittan
Ensure that designated staff of Ensure that designateEnsure that designated staff of CPU, Remittances retain all original form
All the outward remittnces Swift All the outward remit All the outward remittnces Swift MT-202 related to FCU, HO or respectiv
Ensure that outward remittance cEnsure that outward rEnsure that outward remittance charges are recovered from the custome
Check at the time of cancellation Check at the time of cCheck at the time of cancellation branch has notified the fact to the draw
To ensure if outward remittance To ensure if outward To ensure if outward remittance is canceled by the drawee bank / branch
To ensure that cancelled outwardTo ensure that cancelTo ensure that cancelled outward remittance should be reported to SBP
Check if advance remittance by UCheck if advance remiCheck if advance remittance by Umrah Organizer's on behalf of expense
*Check all remittance
Consolidated are being
information p *Check
as per attached all remittance
Consolidated annexure. *Check
information asallper
Consolidatedremittance
attached are
information being
annexure.as per processed
attachedfrom Umrah Organizer's PKR
annexure.
* Undertaking from Umrah Organizer * Undertaking
for repatriation
from Umrah
of *funds
Undertaking
Organizer
( only infrom
case
for repatriation
Umrah
of advanceOrganizer
ofpayement).
funds for( repatriation
only in caseofoffunds advance
( onlypayem
in ca
Monthly reporting for all remitt
* A self declaration from the patient, Monthly
* A his/her reporting
self declaration
next of kinfor
from Monthly
declaring
* Athe reporting
selfpatient,
declaration
amounthis/herfor all remittances
essentially
from
next theofpatient,
required by
kin declaring Umrah
his/her
for treatment
amountOrganizers
next of essentially
kin
abroad. to
declaringbe done
required
amount tofo
* Cash of FCY
Remittance uptoof US$
USD70,000/-
5,000/- also *eqv
Cash
allowed
orRemittance of FCY
allowed toupto
each
of US$
per USD
patient
student *70,000/-
5,000/-
Cashand
Remittance
as ofone
per also
FCY
or attendant
allowed
ofallowed
calender
eqv
upto USD
US$ to
year5,000/-
which
each
70,000/-
per should
patient
also
on accouunt
student
or eqv allowed
be
and
asof endorsed
one
allowed
per to each
attendant
application
calender
per onpatient
his/her/their
student which
and
processing,
year on
as should
onepassp
accouunt
per atten
tuition be
calendefe
o
* Letter of admission from foreign*educational
Letter of admission
institution. from
* Letter
foreign
of admission
educational from institution.
foreign educational institution.
* Letter / cost sheet from foreign educational
* Letter / cost institution
sheet from *showing
Letter
foreign
/ cost
break-up
educational
sheetoffrom expenses.
institution
foreign educational
showing break-up institution
of expenses.
showing break-up
Remittance should be remitted directly Remittance
to the should
accountbeof Remittance
remitted
the educational
directly
should to
institutions
be
theremitted
account viadirectly
of
SWIFT
the educational
to the account institutions
of the educational
via SWIFT
To ensure in case of expenses inTo ensure in case of eTo ensure in case of expenses in excess of the above limits the bank wil
To ensrue that all the related do To ensrue that all the To ensrue that all the related documents submitted by the applicant shou
In case
b) of dividend
that the shares inincome
question remittIn
were case
b) not of dividend
thatacquired
the shares by in inquestion
the In
b) case of
non-residents
that the dividend
were
shares
not inincome
onacquired
the question
basisby remitted
of the
were to non-resident
theirnon-residents
undertaking
not acquiredthat on share
by the
the
they holder.
basis
non-residents
will of Check
nottheir
claimund
on
re
that the application
c) Certified true copy of forthe
remittance that
of dividend
the application
trueiscopy
Shareholders’/Directors’
c) Certified net of forPakistan
that
resolution
ofc) remittance
the the
Certified application
tax
trueof
liability
dividend
Shareholders’/Directors’
declaring copy
the of for
and remittance
is
dividend.
the must
net also
of Pakistan
of
ensure
dividend
Shareholders’/Directors’
resolution tax
thatliability
declaringisthe
net
the auditor’s
of
and
Pakistan
resolutionmust
dividend. certificate
also
tax lia
declaringen
d) In case tax
Withholding Taxexemption is claimed d) In
bycase
them/any
Withholding tax exemption
Tax of the Withholding
d)
shareholders,
Iniscase
claimedtax
Taxexemption
by
a certificate
them/any is to
of
claimed
this
the shareholders,
effect
by them/any
is invariably
aofcertificate
the
produced
shareholders,
to from
this effect
thea c
Ensure whether CPU is receivingEnsure CNIC/NTN whether
number CPUofEnsure
isservice
receiving
whether
provider/vendor
CNIC/NTN
CPU isnumberreceiving
as when of CNIC/NTN
service
the tax is provider/vendor
deducted
number of from
service
as
branches.
when
provider
the t
Are the CPU - Remittance monitoAre the CPU - Remitt Are the CPU - Remittance monitors the GL account on Pan Pakistan bas
To ensure that withholding tax d To ensure that withhoTo ensure that withholding tax deducted on Profit on Deposit, Cash With
Ensure CPU doesnot has the righEnsure CPU doesnot Ensure ha CPU doesnot has the right to unblock Withholding Tax GL heads
Ensure that CPU is debiting WHTEnsure that CPU is deEnsure that CPU is debiting WHT GL account & crediting deposit settlem
Ensure the total amount credited Ensure the total amouEnsure the total amount credited in deposit settlement account is balanc
Ensure that IOM is prepared by CEnsure that IOM is pr Ensure that IOM is prepared by CPU remittance & duly signed by Assst.
To ensure that profits of FCY savTo ensure that profits To ensure that profits of FCY savings will be converted into PKR for subm
To ensure that Request for issua To ensure that RequesTo ensure that Request for issuance of pay order in favour of Governme
Are the payment challans are accu Are the payment challa Are the payment challans are accurately prepared with all the required d
To ensure that payment order of To ensure that paymen To ensure that payment order of withholding tax along with the payment
To ensure that computerized tax To ensure that computTo ensure that computerized tax challans has been received from SBP o
To ensure that Pay order copy al To ensure that Pay orTo ensure that Pay order copy alongwith the IOM, and the challan and F
Obtain the department’s formal org Obtain the department’ Obtain the department’s formal organization chart showing the reporting
Ensureup
Follow thatofjob
thedescriptions
suspense/past for eEnsure
due
Follow
item.upthatofjob
thedescriEnsure
suspense/past
Follow up thatofjob
due the descriptions
item.
suspense/past for each staff are available. Review the job
due item.
Is there proper rotation of duties Is there proper rotati Is there proper rotation of duties within the department. Discuss with staf
Do staff receive formal/informal t Do staff receive formaDo staff receive formal/informal training related to their duties and progre
Ensure that policies and proceduEnsure that policies Ensure that policies and procedure manual are available, updated on a
Check 15 days mandatory leavesCheck w 15 days mandato Check 15 days mandatory leaves were availed by staff in accordance to
*Obtain the training
Valid proforma records
invoice and r/*Obtain
/ Indent Purchasethe Order.
training
Valid proforma r *Obtain
invoice
(Confirmation
Valid theof
/ Indent /training
proforma torecords
Purchase
P.O.invoice
beOrder. and
in/ Indent
place review
(Confirmation
through the
/ Purchase anyappropriateness
of
Order.
mode
P.O. from
to of thethrough
(Confirmation
be beneficiary
in place course
of acce
P.O.
* If LC establishment request involves* If LCany
establishment
clause which request
* Ifwill
LCchange
establishment
involves
the any
natureclause
request
of Bank’s
which
involves
risk
will e.g.
change
any replacing
clause
the which
nature
the requirement
will
of Bank’s
changeriskthe
of eB
* Upon receipt of above information * Upon
fromreceipt
FIG and of approval
above* Upon
information
fromreceipt
CADfromof
(if above
required),
FIG andinformation
designated
approvalfromfrom
officer
FIG
CAD and
would
(ifapproval
required),
then prepare
from
designated
CAD
the (if
LC
• Charges details • Charges details • Charges details
• Irrevocable - Usance • Irrevocable - Usance• Irrevocable - Usance
Above US$ 15M should be signed Above
by “Head
US$ T&
15M
BSshould
& Head
Above
beof
signed
US$
Ops”15M
by
and“Head
should
notified
T&be
toBS
signed
“CRO,
& Headby
P&“Head
of
CEO,
Ops”T&
Head
and
BSnotified
CIBG
& Head&to
Head
of“CRO,
Ops”
CBG(re
and
P&
Check wether import of cash USDCheck wether import oCheck wether import of cash USD are made under instructions issued by
Ensure thatspare
(vii) Total appropriate amount
parts LC of
Ensure
exposure thatspare
(vii) perTotal appropriaEnsure
customer at
parts
any
(vii)
LCtime thatspare
appropriate
exposure
Total
not perparts amount
customer
LC
exceeded of Rs
exposure
at any margins
time
per
15mnotagainstatthe
customer L/C
any arenot
heldRs
exceeded
time as 1r
Approval from Relevant Committee Approval from Relevan Approval from Relevant Committee should be obtained prior to opening
In case of perishable goods, ens In case of perishable In case of perishable goods, ensure that 100% cash margin is held as pe
To ensure that appropriate marginTo ensure that approprTo ensure that appropriate margin deposit against letter of credit as laid
Ensure
The that a fulland
destination setcommodity
of ‘Clean oare
Ensure
The that a fulland
asdestination
per setcommodity
application Ensure
The that a full
destination
are asandsetcommodity
per of ‘Clean on
application Board’
are Bill
as per of lading/Airway Bill is called
application
The LC application is signed by t The LC application is The LC application is signed by the authorized official of the company, si
Indent/ Proforma invoice/ ContracIndent/ Proforma invoiIndent/ Proforma invoice/ Contract is submitted duly signed by the issuer
Ensure that the Officer Incharge Ensure that the OfficeEnsure that the Officer Incharge scrutinizes the documents submitted by
Select few LCs and ensure the cor Select few LCs and enSelect few LCs and ensure the correctness of the accounting entries pas
Check from the LC file that any Check from the LC fil Check from the LC file that any telex inquiry received was responded wit
Ensure that the LC register is be Ensure that the LC reEnsure that the LC register is being maintained by the department and a
Check reciprocity register is bei Check reciprocity reg Check reciprocity register is being updated on daily basis and containing
Select few reimbursement
• LC timely transmitted. authoriS
• LC elect few reimbursem
timely transmitted. Select
• LC timelyfew reimbursement
transmitted. authorities and ensure that the authority to ho
' ' '
•ToMTensure that before
swift message asestablishme •ToMT
per LC amendment ensure that
swift to bebefore
message send. as•ToMT ensure
per swift that before
LC amendment
message establishment
asto per
be LC
send.amendmentof LC for import
to be send. of wheat on behalf
* After having approval, designated * After
officer
having
would approval,
prepare * After
designated
the LChaving
amendment
officer
approval, would
capture
designated
prepare
the transaction
officer
the LCwould
amendment
in System
prepare capture
(if
therequired).
LCtheamendm
trans
Th
For Reversal of Expired outstanding For LCs:
Reversal of Expired Foroutstanding
Reversal ofLCs: Expired outstanding LCs:
•* Ensure after
LC liability onebemonth
may fromon
reversed date
•*request
Ensure
LCof liability
expiry
ofafter
of one
LC,besubsequent
applicant
may month•* Ensure
with
reversed from
LCthe date
after
to request
liability
consent
on theof
one
may month
ofexpiry
bemonthend
of from
LC,
beneficiary
ofreversed activity
applicant subsequent
of
ondate
with
LC ofthrough
ofprevious
requestexpiry
the oftoapplicant
consentthe
ofmonth
LC,
month
advising subsequent
designated
end
of beneficiary
bank
with theactivity
oftostaff
designated
consent
LCthe
ofthro
wi
pr
m
st
of
• Designated staff reinstate the LC • Designated
in the system staff
andreinstate
recover
• Designated
the
theLC charges.
in
staff
thereinstate
system and the LCrecover
in thethesystem
charges.
and recover the charge
• Check upon receiving of swift message• Check from uponadvising
receiving •bank
Check
of swift
inform
upon
message
toreceiving
the beneficiary
fromofadvising
swift /message
customer
bank inform
from
and to advising
reversing
the beneficiary
bank
the LC inform
liability
/ custom
to tha
• Check customer acceptance should • Check be obtain
customer andacceptance
file• the
Checkoriginal,
customer
shouldsigned
beacceptance
obtain
confirmation
and should
file slip
the inoriginal,
berespective
obtainsigned
andfile.
file
confirmation
the original,slip signin
• To check in case of close-out of•contract
To checkbeforein casesettlement
of close-out
• To check
of import
ofincontract
case
bill with
ofbefore
close-out
othersettlement
bank
of contract
against
of import
before
FBL’s bill
NOC,
settlement
withaother
confirmation
ofbank
import again
of
bil
• Check that funds are available in • Check
customer. that funds are• available
Check that in funds
customer.are available in customer.
• Check that designated staff receive • Checka confirmation
that designatedletter• Check
staff
or a copy
receive
that designated
of relayed
a confirmation
message
staff receive
letter
andoracheck
aconfirmation
copythat of relayed
fundsletter
are
message
orcredited
a copyand in
of th
re
c
Ensure that customer’s acceptance Ensure
on drafts
that customer’s
and trust Ensure
receipt
acceptance
is
that
duly
customer’s
on
obtained
drafts and
acceptance
trust receipt
on drafts
is duly andobtained
trust receipt is duly obt
•Ensure that
If any of thetelex messages contravenes
discrepancies are se
•Ensure that
If any of thetelex
local mess
•EIf
exchange nsure
discrepancies that
thetelex
regulations
anycontravenes
of messages
discrepancies
in place,
local
the are sent
exchange
remittance on
contravenes alocal
monthly
regulations
against the basisthe
exchange
in place, to
documents theisreimburs
regulations
remittance
not mad
in a
p
On
• Allreceipt of documents
required customers’ acceptanO n receipt
are received
• All of documents
required customeOn receipt
• Allare of documents
required customers’ acceptance
received are receivedensure that a track sheet is prepare
• B/L was issued by a Shipping Company
• B/L wasorissued
its Agent
by a •Shipping
B/L was Company
issued by or
a Shipping
its AgentCompany or its Agent
•Select few that
To check Commercial Invoices
transaction an
•Select
captured few that
To&check
SWIFTCommercial
messages•Select
transaction
Towill fewsupervised
check Commercial
captured
be that Invoices
&transaction
SWIFT
& authorized
messages and
captured by &ensure
will
the
SWIFT that
bedesk details
supervised
messages
in charge as tobebeneficiary
& authorized
/ will
team leader
supervis
by /thM
• To check thah upon creation of PAD
• To check
Loan, thah
designated
upon •creation
staff
To check
keeps
of thah
PAD
original
upon
Loan,
documents
creation
designated
of in
PAD
staff
fireLoan,
proof
keepsdesignated
cabinets
original and
documents
staff
handed
keeps
in
over
origin
fire to
p
To
• Tocheck
checkif in
documents retired through
case if sufficient To
• Tocheck
funds FATR
are
checkif in
not documents
orcase
FIM or
available through
if inTo
• retired
check
sufficient
To
the any
through
check if in
documents
customer's
funds other
case
areFATR
credit
account or
retired
facility,
FIM
ifnotsufficient
available
at theor
through
ensure
through
funds
time
in FATR
theof
arethat
anyupon
or
other
customer'sFIM
settlement
not funds
credit
availableorthe
through
account
or indisbursement
facility,
the
lines any
ensure
atcustomer's
the
for other
time co
import
ofa
• To check that in case of non-acceptance
• To checkofthat
discrepant
in case• documents
To
of non-acceptance
check that forin60-days,
caseof of
discrepant
designated
non-acceptance
documents
are the
of discrepant
staff
for 60-days,
advisedocuments
the
designated
status forby ar
6
Ensure that I Form is prepared a Ensure that I Form is Ensure that I Form is prepared and customer’s signature showing his ca
Check the accuracy of track sheeCheck the accuracy ofCheck the accuracy of track sheet prepared to effect the entries and ens
Check transactions made during C t heck transactions maCheck transactions made during the period under review and ensure tha
Check that an undertaking from thCheck that an undertaCheck that an undertaking from the importer on the prescribed form (App
To check that Credit Worthiness To check that Credit To check that Credit Worthiness Report of the foreign suppler before allo
To check that bank may also ask To check that bank maTo check that bank may also ask the importer to obtain performance gua
To ensure that in case importer i To ensure that in cas To ensure that in case importer is unable to import goods against advanc
To ensure that Bank would deposiTo ensure that Bank wTo ensure that Bank would deposit the penalty amount with the SBP and
Check designated staff maintain M Check designated stafCheck designated staff maintain MIS listing outstanding Advance Payme
Check upon receipt of documentsCheck upon receipt ofCheck upon receipt of documents are scrutinize carefully in the light of S
Check transaction capture in sys Check transaction capCheck transaction capture in system and prepare the SWIFT message o
Check that transactions involve Check that transactio Check that transactions involve any payment or commitment will be auth
Check wether bank not allowed ad Check wether bank not Check wether bank not allowed advance payment on import against irrev
Chech that import of life-saving Chech that import of lChech that import of life-saving and essential medicines & devices again
Check that advance payment upto Check
U that advance paCheck that advance payment upto USD 10,000 per invoice on behalf of
To check that upon receipt of reqTo check that upon recTo check that upon receipt of request along with the relevant documents
To check upon receipt of documen To check upon receiptTo check upon receipt of documents should be scrutinize carefully in the
To check staff capture the trans To check staff captur To check staff capture the transaction in system and prepare the SWIFT
Check wether bank did not allow C p heck wether bank did Check wether bank did not allow payment on open account basis after 2
Check that imports on open accou Check that imports onCheck that imports on open account basis and advance payment are allo
Ensure that import of life-saving Ensure that import of Ensure that import of life-saving and essential medicines & devices agai
basis within the above stipulated basistime, appropriate
within the above regulatory/legal
basis
stipulated
withintime,
action
the aboveappropriate
maystipulated
be initiated
regulatory/legal
time, appropriate actionregulatory/legal
may be initiatedaction
against
To checkthe
at importer
the request of industrialagainst
To check the
at importer
establishmentsthe requestas against
To
importers,
of
check the
industrial importer
atAuthorized
theestablishments
request Dealers
of industrial
as
may importers,
issue
establishments
Authorized as importers,
Dealers may Author
issu
foreign
To checkcurrency demand
that importer draftafor
submit foreign
import
copy
To check currency
of theofthat
spare parts/machinery,
demand
contract/purchase
importer foreign
To draftcurrency
submit
check afor without
import
order/proforma
that
copy ofdemand
importer ofopening
the spare draft
parts/machinery,
ofafor
letter
contract/purchase
submit
invoice/indent
copyimport
of
of credit,
etc. oftospare
the without
provided
order/proformaparts/machinery,
opening
such
contract/purchase imports
of letter
invoice/indent witho
order/prof are
ofe
the bank for registration of contract. the bank for registration the ofbankcontract.
for registration of contract.
Review few cases of registration Review few cases of rReview few cases of registration and ensure that the goods mentioned in
Ensure that the approval as per Ensure that the approEnsure that the approval as per SOP has been obtained before registrat
To check
from that documents
the overseas suppliercoverin
instead To
fromofcheck
the that docume
the banker
overseas of the To
supplier
from check
supplier,
the that
instead
overseas ofdocuments
remittance thesupplier
banker
should covering
instead
ofbethe
made imports
supplier,
of in
the bankerare received
remittance
of theshouldby the
supplier, bebank
made
remittanwhiin
accordance with the instructions
To check that in case of imports from contained
accordance
To check
ACU that in with
para
member the
in case17 instructions
of
accordance
this
countries,
To
of imports
checkchapter contained
with
remittances
that
from inACU the
case instructions
willin para
member
ofbeimports17
effected of
contained
this
countries,
from through
ACU chapterin para
remittances
member
ACU 17 of this
countries, chapter
will be effected
remittance
thro
Clearing Arrangements Clearing Arrangements Clearing Arrangements
AreThe
d) thePakistani
bank will importer
incorporate
maythe AreThe
directly
d) the bank shipping
receive
Pakistani will importer
inc d)Are the
documents
The
may bank
Pakistani
directly will receive
from incorporate
importer
an Afghani the
shipping
mayexporterfigures
directly
documents
and of get
receivethefrom
contracts
the
shipping
goods registered
an Afghani
documents
cleared by
exporter
after
from th
atta
e) T&BS upon receipt of copies of e)shipping
T&BS upon documents
receipte)forof T&BS
copies
each uponshipment
of shipping
receipt fromdocuments
of the
copies
importer,
offorshipping
each
shall shipment
make
documents
payment
from forthe
after
eachimporter,
verifying
shipmes
Check the register is being mainta Check the register is Check the register is being maintained and all particulars of contract are
Ensure that each case has been Ensure that each caseEnsure that each case has been assigned a separate sequential referen
Check the charges /commission as Check the charges /coCheck the charges /commission as per existing bank’s schedule of charg
Ensure that the certificate of re Ensure that the certif Ensure that the certificate of registration of particulars was issued on the
Ensure that scrutinize the docume Ensure that scrutiniz Ensure that scrutinize the documents against the contract details and ide
To check
Also thatthat
ensure document arrival
signatures noAlso
To check
appearing ensure thatthat
document
on customer’s To check
signatures
letter,
Also Counter
ensure thatthat
appearing document
guarantee
signatures
on customer’s arrival
& Trust notice
appearing
letter,
Receipt to
onbe
Counter
have send
customer’s
beenspecifying
guarantee
verified
letter, the discrepa
& Trust
Counter
from the
Receip
gua
list
• Where the liabilities exceeds the• Wherecredit limit
the ofliabilities
the customer
exceeds
• Where orthe
the
anyliabilities
credit
clause limit
of
exceeds
the
of the
textcustomer
the
of guarantee
creditor limit
anyexposes
ofclause
the customer
of
thethebanktext
orfinanciall
any
of guara
clau
In case of sight LC the margin eqIn case of sight LC th In case of sight LC the margin equivalent to bill amount is held against th
•Ensure
Name that before vessel
of carrying issuing a shipEnsure
• Name that before vessel
of carrying issEnsure
• Name that before vessel
of carrying issuing a shipping guarantee it has been cross check
Select few transactions and traceSelect few transactionSelect few transactions and trace them in the guarantee register to ensu
Check the accuracy of the accounCheck the accuracy ofCheck the accuracy of the accounting entries made to effect the issuanc
•Ensure that track
Bill of Lading andsheet
trackpreparedEnsure
sheet is •signed thatthe
Bill of Lading
by track
andshe
Officer •Ensure
track
concerned
Bill
sheet that
of Ladingtrack
is and
signed
andsheet
approved
by
trackprepared
thesheet
by
Officer to effectbythe
theisDepartmental
concerned
signed accounting
the
and
supervisor
Officer
approved entries
concerned
and
by the isDepart
autho
Departme
and ap
Check the accuracy of the accounCheck the accuracy ofCheck the accuracy of the accounting entries made to effect the release
Upon receipt of original shipping Upon receipt of originUpon receipt of original shipping documents against which a shipping gu
On receipt of original shipping d On receipt of original On receipt of original shipping documents will be retired within 5-working
Are the designated officer endorseAre the designated offAre the designated officer endorse and signed by authorized staff the Or
After the 30-days, upon confirmatAfter the 30-days, upoAfter the 30-days, upon confirmation by courier company for delivery of c
Are the designated officer will m Are the designated offAre the designated officer will mark “Cancelled” on shipping guarantee a
Are the respective team leader revAre the respective teaAre the respective team leader reviews the outstanding shipping guaran
Above US$ 15M should be signed Above
by “Head
US$ T&
15MBSshould
& Head
Above
beof
signed
US$
Ops”15M
by
and“Head
should
notified
T&
betoBS
signed
“CRO,
& Head
by
P&“Head
ofCEO,
Ops”T&
Head
and
BSnotified
CIBG
& Head&to
Head
of“CRO,
Ops”
CBG(re
and
P&
Select few guarantees and ensure
• Format of guarantee is signed bySelect
• Formatfew guarantees
the customer. Select few
of guarantee• isFormat guarantees
signedofbyguarantee and
the customer. ensure that all Bank
is signed by the customer. Guarantees issued clear
Where the terms of the Guarantee Where the terms of theWhere the terms of the Guarantee involves payment to a non-resident e
Ensure that any alterations madeEnsure that any alteraEnsure that any alterations made in the terms of the guarantees subsequ
Ensure that a Guarantee RegisterEnsure that a Guarante Ensure that a Guarantee Register is maintained properly outlining all the
Check the accuracy of the accounCheck the accuracy ofCheck the accuracy of the accounting entries made to effect the issuanc
Ensure that all Guarantees issuedEnsure that all GuaranEnsure that all Guarantees issued are held in dual custody of the design
Check that the liability is rever Check that the liabili Check that the liability is reversed on its expiry leaving of Rs 1.00 outsta
Are the designated officer revi Are the designated ofAre the designated officer review the Bank Guarantee Maturity report ge
Are the reminders intimating the Are the reminders intiAre the reminders intimating the expiry & return of original instrument wil
To ensure that upon receipt of oriTo ensure that upon reTo ensure that upon receipt of original instrument directly from beneficiar
In cases where original instrument In cases where originaIn cases where original instrument is not returned after expiry date, three
Are the designated staffs will file Are the designated staf
Are the designated staffs will file the cancelled/satisfied guarantee in rele
Check that the signature appearinCheck that the signatuCheck that the signature appearing on customer instruction letter is verif
To ensure that documents received To must
ensure
bethat
complete
documents
as
To per
ensure
received
LC and
thatmust
customer
documents
be complete
instruction
received
as letter
per
mustLCduly
beand
complete
signed
customer
by
asexporter.
per
instruction
LC andlette
cus
Check upon receipt of documentsCheck
shouldupon
be scrutinize
receipt ofCheck
by
documents
two upon
officers
should
receipt
carefully
be
of documents
scrutinize
in the light
by
should
oftwo
terms
officers
beand
scrutinize
carefully
conditions
byin
two
of
thethe
officers
light
Letter
ofca
te
Check all discrepancies are notedCheck all discrepancieCheck all discrepancies are noted on scrutiny sheet and customer’s con
Check that approvals of relevant Check that approvals Check that approvals of relevant Credit Committee have been obtained i
Ensure that allocation for the ba Ensure that allocationEnsure that allocation for the bank risk is obtained from FIG and the app
Sequential number from export bill Sequential number from Sequential number from export bills register is allocated and all relevant
In case of negotiation is allowed In case of negotiationIn case of negotiation is allowed for discrepant documents, the customer
Check the calculation with the exCheck the calculation Check the calculation with the exchange rate obtained from treasury duly
Ensure that the tracking sheets Ensure that the track Ensure that the tracking sheets are approved by the supervisor & depart
Ensure that relevant documents ha Ensure that relevant Ensure that relevant documents have been sent to opening bank by cou
Check after dispatch of Documents Check after dispatch oCheck after dispatch of Documents to Issuing Bank, Issuing Bank will ad
Ensure that the payments are timEnsure that the paymeEnsure that the payments are timely received and in case of delay comp
Select few paid bills and ensure Select few paid bills Select few paid bills and ensure that full payment of all bills have been re
Check that paid files have been dCheck that paid files Check that paid files have been duly marked paid and transfer to settled
Ensure that the drafts drawn on uEnsure that the draftsEnsure that the drafts drawn on usance basis having adhesive stamps o
Check that the Credit Report of bCheck that the Credit Check that the Credit Report of buyer is on record and ensure that the sa
Check that upon receipt of collecCheck that upon receip Check that upon receipt of collection bills payment, the exchange rate is
Check the calculation made for pCheck the calculationCheck the calculation made for payment and ensure that the withholding
Ensure that shipping documents sEnsure that shipping Ensure that shipping documents should be presented within 21 days form
Ensure that certification of Form Ensure that certificat Ensure that certification of Form ‘E’ should be prior to shipment of goods
•Check
Checkthe tracking
after list and ensu
the realization •Check
the same
Checkthe tracking
inputting
after the
in in li •Check
realization
ITRS Check the
andthe tracking
submitting
after
same listSBP
andin
theinputting
realization
to ensure
along
in
theITRSthat
same
withandthe same
following
inputting inisinapproved
submitting
documents.
to
ITRS
SBPandby
alongthe supe
submitting
with fo
Check thatChallan
• Delivery the signature appearing
Check
on customer
thatChallan
• Delivery the signature
instruction
Check
appearing
letter
thatChallan
• Delivery isthe
verified
on
signature
customer
and appearing
duly
instruction
time &ondate
letter
customer
stamped.
is verified
instruction
and duly
letter
time
is verif
& da
Check upon receipt of documentsCheck upon receipt ofCheck upon receipt of documents scrutinize jointly carefully in the light o
Check that staff inform the discr Check that staff infor Check that staff inform the discrepancies to the exporter & advising to ar
To check dispatch of original exp To check dispatch of oTo check dispatch of original export documents are made by exporters d
Ensure to forward the requests oEnsure to forward theEnsure to forward the requests of sugar mills through respective Departm
Ensure
• To checkthatupon
the mechanism to proc
receipt of proceeds Ensure
• Tofrom that
check the
theupon mechan
issuing Ensure
receipt
bank
• To ofin that
check
proceeds
the shapethefrom
upon mechanism
receipt
of demand
the issuing to
of proceeds
draftprocess
bank
/ pay
from thethe
in order cases
shape of
of eligible
/issuing
RTGS bank insugar
demand
Authorizedthe
draft mills
/ payfo
Officer
shape a
o
To check that statement showing To thecheck
total figures
that statement
of all To
export
showing
check bills
thatoutstanding
thestatement
total figures(including
showing
of all export
the
partly
total
bills
figures
outstanding
of all export
(including
bills outsta
partly
unrealized)
which have relating
becometooverdue
all theirduring
branches,
unrealized)
which at the
thehave
monthrelating
end ofto
become
under each
unrealized)
all their
report.
overdue
which monthbranches,
This
have
duringrelating
in the
the prescribed
statement
become at
tooverdue
monththe
all be
will their
endprepared
under form
of
branches,
duringeach
(Appendix
report.themonth
andat will
This
monththe in
V-19).
end
thesubmitted
statement
be
underprescribed
ofreport.
each
will bemonth
in form
This
prepared in(App
duplicate
statemthea
should
To checkbetaht
listed in a sequence
statement with
in Appendixshould
To exporter-wise
check
V-21 beshowing
listed
taht in
totals
a sequence
statement should
and
particulars
To in the
check be
of with
grand
listed
Appendix
taht
those exporter-wise
total
in a showing
statement
V-21
cases sequence
given
which attotals
the
in Appendix
werewithend.
and
exporter-wise
particulars However,
the
reported
V-21 grand
by the
ofshowing
those total
totals
statement
cases given
and at
particulars
whichthethe
forgrand
were
of the
end.
those mo
repoto
cH
Authorized Dealers
Operations Departmentas overdue
(Centralin& Authorized
the previous
Operations
Statistics Dealers
statements
Section),
Department asSBP-Banking
Authorized
overdue
but thein&
Operations
(Central Dealers
items
the previous
Departmentareasdeleted
Statistics
Services overdue
statements
Corporation,
Section),
(Central from
inSBP-Banking
&the
their
but
previous
books
the
Statistics
Head items
Office, during
statements
arethe
Section),
Services deleted
month
but the
SBP-Bankingfrom
under
Corporation, items
their
re
Serv
Hea
Karachi by the 15th of the month.Karachi by the 15th ofKarachi the month. by the 15th of the month.
Customer request should be dateCustomer request shoCustomer request should be date and time stamp.
On receipt of documents the same On receipt of documen On receipt of documents the same must be processed and sent out to th
To ensure that shipping documents To ensure that shippinTo ensure that shipping documents must be presented within 21 days of
Copy of firm contract should be oCopy of firm contract Copy of firm contract should be obtained.
To ensure that if fate of collectio To ensure that if fate To ensure that if fate of collection is not known from the collecting bank w
To ensure that bill of exchange i To ensure that bill of To ensure that bill of exchange in case of Usance bill adhesive stamps s
To ensure that E’ form certified To ensure that E’ formTo ensure that E’ form certified by the custom authorities / bank before th
To ensure that duplicate copy of To ensure that duplicaTo ensure that duplicate copy of E form should be certified / endorsed fro
To ensure that documents shouldTo ensure that docume To ensure that documents should be scrutinized by two persons.
To ensure that duplicate copy of To ensure that duplicaTo ensure that duplicate copy of Form ‘E’ retain and Triplicate copy of the
To ensure that in case of short s To ensure that in caseTo ensure that in case of short shipment a short shipment notice to be ob
To ensure that all the shipping To ensure that all th To ensure that all the shipping documents should be obtained.
To ensure that exports proceeds To ensure that export To ensure that exports proceeds should timely be credited in customer a
Check
vii) Thethe
ADcalculation made
shall monitor the for pCheck
vii) Thethe
shipment(s) AD calculationCheck
madeshall
bymonitor
the exporterThethe
vii) the calculation
shipment(s)
AD
and shall
ensuremonitor
mademade by for
realization
the payment
shipment(s)
theof exporter and
andensure
export proceeds
made ensure
by thethat the withholding
thereagainst
realization
exporter and
within
of expo
ensuth
viii) In case of unsatisfactory behavior viii) Inofcase
the exporter
of unsatisfactory
orviii)
export
In case
behavior
overdues
of unsatisfactory
ofexceeding
the exporter behavior
theorprescribed
export
of the
overdues
limit,
exporter
asexceeding
mentioned
or exportthe overdues
at prescr
(ii) ab
Customer request should be dateCustomer request shoCustomer request should be date and time stamp.
To ensure that on receipt of Adv To ensure that on rec To ensure that on receipt of Advance payment OFAC and CPL must be c
Are the purpose of remittance muAre the purpose of re Are the purpose of remittance must be obtained from the exporter?
Are the customer appearing on t Are the customer appe Are the customer appearing on the advance payment voucher verified?.
Are the authorized officer repor Are the authorized of Are the authorized officer report transaction in TRS. BS/RM/BRANCH wo
Are the transaction verified & autAre the transaction veAre the transaction verified & authorized by Authorized Officer/ Authorize
Are the system generated credit aAre the system generaAre the system generated credit advice (automatically) forwarded to resp
To ensure that E’ form certified b To ensure that E’ formTo ensure that E’ form certified by the custom authorities / bank before th
To ensure that duplicate copy of To ensure that duplicaTo ensure that duplicate copy of Form ‘E’ retain and Triplicate copy of the
To ensure that original advance To ensure that origin To ensure that original advance payment voucher surrender to SBP and
To ensure that advance payment To v ensure that advancTo ensure that advance payment voucher should be signed by the Bank
To ensure that Form ‘E’ certified To ensure that Form ‘ To ensure that Form ‘E’ certified for export in accordance with the declar
To ensure that Proceeds RealizatTo ensure that ProceeTo ensure that Proceeds Realization Certificate (PRC) issued on Append
To ensure that in case of more t To ensure that in cas To ensure that in case of more than one Form ‘E’ value of Form ‘E’ and r
To ensure that exports proceeds sTo ensure that exportsTo ensure that exports proceeds should timely be credited in customer a
Check the calculation made for pCheck the calculationCheck the calculation made for payment and ensure that the withholding
To ensure that follow-up should bTo ensure that follow-To ensure that follow-up should be made for obtaining shipping documen
To ensure that if customer do notTo ensure that if cust To ensure that if customer do not submitted the shipping documents des
Is the authorized officer enter th Is the authorized offi Is the authorized officer enter the particulars in the Advance Payment reg
To ensure that advance payment To ca ensure that advance To ensure that advance payment can be utilized within a year after its re
To ensure that in case of loss of To ensure that in caseTo ensure that in case of loss of original PRC, the State Bank on applica
In case of export proceeds are ovIn case of export procIn case of export proceeds are over due since long a proper follow up wi
To ensure that duplicate and tri To ensure that duplic To ensure that duplicate and triplicate copies of E – Forms should be end
Are the manager exports or officeAre the manager export Are the manager exports or officer counter check the returns & sign the s
•ToToensure
check that all theisadvance
the same report top treasury
•ToToensure
check that
TRES allupdate
the to
sameth is•ToTo ensure
report
their
check
to that
record. all the
treasury
the same isadvance
TRESreport topayments
to update treasury received
their TRES
record. during the
to update theirmonth
record.mus
• Check rate advised by the BS / •RM Check
/ branch
rate advised
duly negotiated
by• Check
the BSwith
rate
/ RMTreasury,
advised
/ branch
by
would
duly
the BSbe
negotiated
used
/ RM to / branch
compute
with Treasury,
dulythenegotiated
difference
would be with
amount
used
Treas
tob
• Check on receipt of customer’s •requestCheck approved
on receiptby of business
customer’s
• Check on group
request
receipt
to transfer
of
approved
customer’s
thebyEFE business
request
to another
approved
group
bank,
to transfer
bythebusiness
Authorized
the EFE
group
staff
to to
a
• On receipt of shipping documents, • Onauthorized
receipt of staff
shipping
takes
• On
documents,
print-out
receipt of of authorized
shipping
EFEs from documents,
staff
WeBOC takesandauthorized
print-out
keep in
ofstaff
export
EFEs takes
from
file for
print-out
WeBOC
recordofand
EF
• To check if a shipment is entirely• To shut-out
checkandif a shipment
is not being
• Toischeck
entirely
reshipped
if ashut-out
shipment
by another
andis isentirely
vessel,
not beingshut-out
approved
reshipped
and
EFEisbywill
not
another
be
being
detached
reshipped
vessel,byappr
the
by
To ensure that stock of ‘E’ form s To ensure that stock oTo ensure that stock of ‘E’ form should be maintained centrally at HO, up
To ensure that stock received from To ensure that stock rTo ensure that stock received from GSD entered in ‘E’ form stock registe
To ensure that monthly balancingTo ensure that monthlTo ensure that monthly balancing of ‘E’ forms should be done.
To ensure that form should be issTo ensure that form shTo ensure that form should be issued on the basis of written request sign
To ensure that prior approval of r To ensure that prior a To ensure that prior approval of respective group’s team leader is require
To ensure
Printing andthat if customer
Distribution of do notTo
Export ensure
Printing
Forms. and that if cust Printing
DistributionTo of
ensure
Export
andthat if customer
Forms.
Distribution of do not submitted
Export Forms. the shipping documents des
To check that T&BS required
Maintenance of Party-wise Record to maintain
To check a
Maintenance that
complete
of Certified of T&BS
Export record
required
To
Party-wisecheck
Forms of all
to
Maintenance that
maintain
export
T&BS forms
Record of Certified arequired
complete
Party-wiseprinted
Exporttorecord
Recordby
maintain
them
Forms ofand
all
a complete
export
of Certifiedof Export
theirforms
distribution
record
printed
Forms of alltoby
export
their
themb
T&BS should maintain another register T&BS for
shouldrecording
maintain
therein
T&BS
another
the
shouldparticulars
register
maintain
forof
recording
another
export forms
therein
register
issued
the
for particulars
recording
and certifiedtherein
of export
by them
theforms
particula
in respe
iss
To ensure that fortnightly / mont To ensure that fortnig To ensure that fortnightly / monthly balancing of margin held against LCs
Are the T&BS maintain the sufficie Are the T&BS maintain Are the T&BS maintain the sufficient stock of security stationery (foreign
Are the designated officer record Are the designated offAre the designated officer record the details number of stamps in the reg
Are the designated staff debit th Are the designated st Are the designated staff debit the customer account after issuance of sta
Are the designated staff conduct Are the designated staAre the designated staff conduct the fortnightly / monthly balance of secu
Obtain
list & to
Indemnity frequency of that
this effect report Obtain
in case
anylistobjection
Indemnity & to
frequencObtain
thisraised
effect by list
Indemnity
thatSBPin & frequency
case
the
to this
amount
anyeffect of reports
objection
will
that
bein prepared
raised
paid
caseback
by
anySBP
by by theamount
objection
FBL.
the department
raisedwill
bybe review
SBP paid the
thebac
am
An IOM prepare by the designated Anstaff
IOMand prepare
forward
by the
Ansame
designated
IOM to prepare
thestaff
team
byand
the
leader
forward
designated
or manager
the same
staffexport
and
to the
forward
for
team
signing.
the
leader
same or manage
to the t
To ensure that upon receipt of claTo ensure that upon reTo ensure that upon receipt of claim in our account maintained at SBP, s
To ensure that applications contaTo ensure that applicaTo ensure that applications containing discrepancies returned by SBP wi
To ensure that in case of export To ensure that in cas To ensure that in case of export against advance payment, claim for R&D
Select few bills and ensure that Select few bills and Select few bills and ensure that the withholding tax on export proceeds r
To ensure withholding tax and ExTo ensure withholdingTo ensure withholding tax and Export Development Surcharge (EDS) de
To ensure that designated staff To ensure that designTo ensure that designated staff prepare an IOM address to the BM of ma
To ensure that prepare monthly To ensure that preparTo ensure that prepare monthly WHT statement on prescribed format iss
Review security arrangements in Review
t security arrangReview security arrangements in the department and ensure that all rele
Also ensure that shipping (exportAlso ensure that shippAlso ensure that shipping (export/import) documents are kept under dua
Forms I & E are available in pre Forms I & E are avail Forms I & E are available in pre-numbered and kept under proper lock &
Ensure that department’s station Ensure that departmen Ensure that department’s stationery and records are properly safe guard
The system access passwords are The system access pas The system access passwords are well protected and no one shares his
Obtain list of statements requir Obtain list of statem Obtain list of statements required to be submitted to SBP / Govt. / Manag
•ToRecords
ensure pertain
that system generated
to any •ToRecords
ensureagencies
law enforcement that systemTo
pertain to
forany ensure
Records thatorsystem
•investigation
law enforcement
pertainlegal generated
to agencies
any
proceedings Pre Consolidated
law enforcement
for investigation
retain those
agencies
or Generated
records
legal Entries
for proceedings
investigation
for longer or R
period
retai
le
To ensure that movement of safeTo / ensure that moveme To ensure that movement of safe / cabinet keys should be recorded in ke
Check under invoicing in import cCheck under invoicingCheck under invoicing in import cases in order to avoid receiving excess
Check under invoicing in export i Check under invoicingCheck under invoicing in export in order to avoid transfer excess value.
Check over invoicing in import in Check over invoicing iCheck over invoicing in import in order to avoid transfer excess value.
Check over invoicing in export in Check over invoicing iCheck over invoicing in export in order to avoid recieve excess value.
Check short shipment in import inCheck short shipmentCheck i short shipment in import in order to avoid transfer excess value.
Check short shipment in export inCheck short shipmentCheck i short shipment in export in order to avoid receive excess value.
Check over shipment in import toCheck over shipment C i heck over shipment in import to avoid receive excess value.
Check over shipment in export toCheck over shipment C i heck over shipment in export to avoid tranasfer excess value.
Check obfuscation of goods in d Check obfuscation of Check obfuscation of goods in documents.
Check multiple invoicing in a cas Check multiple invoiciCheck multiple invoicing in a case.
Check phantom shipment i.e. shipp Check phantom shipment Check phantom shipment i.e. shipping nothing at all with false invoices.
Check The description of goods oCheck The descriptionCheck The description of goods on the Goods Declaration Form/Transpo
Check Significant variation is fou Check Significant variCheck Significant variation is found between the description of the goods
Check There are indications that Check There are indica Check There are indications that the descriptions of the goods is disguis
Check The tenor of the transacti Check The tenor of thCheck The tenor of the transaction does not commensurate with the natu
Check Documents such as an L/C Check Documents such Check Documents such as an L/C received through unverified channels
Check The type of goods being shi Check The type of good Check The type of goods being shipped appears inconsistent with the ex
Check The size of the shipment do Check The size of theCheck The size of the shipment does not commensurate with the size of
Check The packaging of goods inCheck The packagingCheck o The packaging of goods inconsistent with the commodity or shipp
Check The goods are transshipped Check The goods are Check t The goods are transshipped through one or more countries/jurisd
Check The country from which good Check The country froCheck The country from which goods are being shipped is designated as
Check The transaction involves thCheck The transactionCheck The transaction involves the receipt of payments from third partie
Check The method of payment appa Check The method of Check p The method of payment apparently does not commensurate with
Check The transactions involvingCheck The transactionCheck The transactions involving consecutive trade discount offered by e
Check The transaction involves reCheck The transactionCheck The transaction involves repeatedly amended or frequently exten
Check An Importer remits advance Check An Importer rem Check An Importer remits advance payment(s) does not receive shipmen
Check The transaction appears toCheck The transactionCheck The transaction appears to involve use of front or shell companie
Check The transaction involves i Check The transactionCheck The transaction involves import/export of dual use goods.
Check The item ordered is incompa Check The item ordered Check The item ordered is incompatible with the technical level of the co
Check Where important details arCheck Where important Check Where important details are missing on commercial invoice(s) or
Check Where some of the shipping Check Where some ofCheck t Where some of the shipping documents are provided in photocop
Check Where goods declaration in Check Where goods decl Check Where goods declaration in commercial invoice(s) are not proper,
Check Receipt of proceeds from n Check Receipt of procCheck Receipt of proceeds from non-cooperative countries as per FATF
Check Where export proceeds are Check
r Where export pro Check Where export proceeds are received from unrelated/third party wi
To check periodic review of the t To check periodic reviTo check periodic review of the trade portfolios shall be done by ADs to k
To check that transaction involvesTo check that transactiTo check that transaction involves person or entity in foreign country of p
To check that the customer or coun To check that the custo To check that the customer or counter-party or its address is similar to on
Are the customer activity does noAre the customer activAre the customer activity does not match business profile, or end-user in
Order for goods is placed by firmOrder for goods is plaOrder for goods is placed by firms or persons from foreign countries othe
Transaction involves possible
demonstrates linkssheTransaction
between involves
representatives
demonstrates pTransaction
of companies involves
links between
demonstrates possible
exchanging linksshell
representatives companies
between
of companies (e.g.
representatives companies
exchanging do not ha
of companies e
goods finance
Trade i.e. same owners orinvolves
transaction management
goods
Trade i.e. same
shipment
finance route owners
transaction goods orinvolves
(if available)
Trade management
i.e.
financesame
through owners
shipment
transaction
country orinvolves
route management
(if available)
shipment through
route country
(if available) through c
with weak
located export control
in countries laws or
with weak weak
with control
export weak
locatedenforcement
export
in countries
laws or control
ofweak
export
withweak
with laws
located weak
control
or export
enforcement
in weak
export laws
countries enforcement
control
control
of export lawsoror
withlaws
weak of export
weakenforcement
export
weak enforcement
control
control laws
laws ofofexport
or export
weak control law
enforcement
controlpatterns
trade laws (e.g. does the country control
trade laws normally
involved
patterns (e.g. does control
trade laws good
export/import
thepatterns
country (e.g.
involveddoesnormally
the country export/import
involved normally
good export/import goo
involved?
controls and/or domiciled in countries involved?
controls
withand/or
weak export
domiciledinvolved?
controls
controlin countries
laws
and/or or domiciled
weak
with weakinexport countries
control
withlawsweak or export
weak control laws or w
enforcement of export control
Based on the documentation obtained laws
enforcement
Basedinon thethe of export
transaction, enforcement
documentation control
Based laws
the declared
on theofdocumentation
obtained export
in theofcontrol
value laws thein
transaction,
the obtained declared
the transaction,
value of the declared va
shipment was obviously
Inconsistencies under-valued
in information shipment
contained vis-à-vis
in was
Inconsistenciestradethe
obviously
in shipping
documentsshipment
informationunder-valued
cost
Inconsistencies was
andcontained obviously
financial vis-à-vis
in under-valued
information
in
flows,
trade the shipping
documents
contained vis-à-vis
cost
andin trade the
financial shipping
flows, cost
documents and financia
such as of
Pattern names, companies,
wire transfer addresses,
activity such
that
Patternasfinal
shows ofnames,
destination
unusual
wire companies,
transfer such
patterns etc.or
Pattern asaddresses,
activity names,
has
ofthat
wire
noshows companies,
final
transfer
apparent destination
unusual
activityaddresses,
that etc.
patterns or final
shows has destination
unusual
no apparent etc.or has no ap
patterns
purpose purpose purpose
New customer requests letter of cNew customer requests New customer requests letter of credit transaction awaiting approval of n
To check thatofuse
Involvement of cash ororpreci
a customer To check that
counter-party,
Involvement ofuse
declared of to
cTobecheck
a customer
Involvement thatofuse
aorcommercial of
counter-party, cash
a customer ororprecious
business,
declared to be ametals
counter-party, (e.g. gold)
commercial
declared in transactions
business,
to be a commerciaf
whose transactions suggest they whoseare acting
transactions
as a money-remittance
suggest
whose they transactions
are
business
acting
suggest
as a money-remittance
they are acting asbusiness
a money-remittance busin
Involvementofofgoods
Description a university in aorcInvolvement
on trade financial
Description ofofgoods
a unive
documentation Involvement
on
Description
is
trade ofofgoods
nonspecific, a university
or financial in aorcountry
documentation
on trade financialof documentation
proliferation concern
is nonspecific, is nonspecific,
innocuous or misleading innocuous
Evidence that documents or otherEvidence or misleading
representations
that documents innocuous
(e.g.Evidence
relating
or other
toor
that misleading
shipping,
representations
documents or other
(e.g. relating
representations
to shipping,
(e.g. relating to shippi
customs, or payment) are fake orcustoms,
fraudulent
or payment)customs,
are fake or fraudulent
payment) are fake or fraudulent
Use of personal account to purcha Use of personal accouUse of personal account to purchase industrial items
ue diligence process of increased risk customers as mentioned in CAAML Procedure and AML & CFT regulations
wed by the branch for opening of accounts?
ustomer & PEP as described in Retail Banking policy obtained?
rocess of existing customers as mentioned in AML/CFT intial Regulations.
on a regular basis, at least once in a 1 year for increased risk/PEP, once in 3 years for neutral and once in 5 years for predefined neutral risk
s as documented in KYC form. In case of deposit of large amount "sources of funds" and documentary evidence of the same are documen
as per CAAML policy.
rized as “Increased Risk” due to its nature and for purpose of review and monitoring?
ies of exchange company relationships to detect unusual and suspicious transactions?
any account should not be given to staff.
s done only when the BM is on authorized leave.
s in student, house wife and salaried category accounts if not compatible with KYC profile of the customers.
ms & conditions are handed over to customer at the time of opening of accounts & acknowledgement to this effect is held in branch record.(
ess purpose must clearly specify the purpose & complete details of transactions in KYC.
onship Forms (CRFs) are shared with customers in Urdu language at the time of opening of the accounts. Refer (BPRD Circular No. 07 of 2
sclaimer’ that account shall be opened after completing necessary due diligence including NADRA verification through verisys or bio-metric
siebel / CAPs before cutoff time
humb/finger impression of potential customer through bio metric device linked with NADRA and all existing customers verified through biom
bio metric, RM generates account number. System (CBS) should auto block the accounts for all debit transactions.
en registration cards etc. are obtain where identity of the customers is not done through bio metric.
rized signatories where customer is a legal person (BO) who acts on behalf of the customer, where bio-metric is not working and proper rea
rate “Tentative Account Number (TAN)”after system validation.
r by issuing welcome letter as per Annexure 'A' along with the copy of CRF with general terms and conditions (Urdu terms & conditions ava
such customers' accounts / where the business relationship needed to be closed in case of negative verification/negative NADARA verificati
ccounts are opened through CAPS and other entity accounts through Siebel.
he documents are scanned and validated through account maintenance unit AMU.
s are opened with initial deposit minimum of Rs 100/- & 1000/- respectively
eview of Top 100 depositors, laid down under SBP AML/CFT Regulations issued vide BPRD Circular No. AML-01/2014-2001 dated Februa
rsons with equitable access to banking & financial services, branch should have related stationary, forms/documents etc. in Braille script. (C
nd pre-defined
Neutral/IR neutral risk accounts are correctly fed in the system?
& PEP:
l accounts appearing in "Monthly Turnover Monitoring Report-PDN/Neutral/IR & PEP is done by the branch before the end of the following m
les of IR, Neutral and PDN risk accounts having monthly turnover of Rs.2M and above?
onal Account used for Business Purposes report" on Monthly basis?
C Exception Monitoring report and Event Driven Reviews of accounts is done accordingly.
erdue and Near Due Periodic and Event Driven Reviews of their own branch for conducting timely reviews of the accounts
uarterly credit turnover exceeded threshold limit of Rs.25M, separate account for business transactions is opened?
over in account is captured in system
F with account opening data on bi-annually (Jan & July) and evidence of the same is kept in branch record
k classification and exceeding turnover of Rs.2M are subjected to Event Driven Review (EDR)
the accounts pertaining to proprietorships and self-employed individual / professionals in order to verify physical existence of business
s closed during each preceding year
emains within the defined threshold of Rs 500,000
er proper due diligence in Increase risk category.
eport of Rs0.5M & above for checking of unusual/ suspicious transactions in customer accounts and write their remarks with signatures on
ssion is specifically obtained and recorded on CRF and system.
ts of account opening other then CPF.
t in system are restricted to authorized staff only.
changed after completion of all formalities as specified in para 7 a of M-1 prudential regulation.
nly upon receipt of written request from the customer & requires his/her physical presence at any FBL Branch Nationwide.
on customer activation request with the speciment available in bank record.
branch for dormant activation due to some reason, branch RM/BM may visit customer place and identify the customer through original CNIC
ormant activation
nts are other thancases of individual/joint
biometrically account. e.g. Passport, Alien Registration Card, etc.
verifiable documents,
e.g. limbs disability, uneven texture/ erased / unclear fingerprints, etc.
nt account BM/ RM/RO should ensure that Event Driven Review is conducted through updating in KYC application system and copy of the
ginal valid CNIC, copy of which is marked original seen under the name, initial, date etc.
arting from the date the account was marked dormant till activation is printed & handed over against proper acknowledgement /couriered to
mant account request is received on Company's letter head signed by authorized Person.
ht Status
BSM /SBSO
Change obtains
reportcall back confirmation
is generated as per
and signed bank
by two process
officers and
(one signsbe
should oneither
the dormant activation request
from BSM/SBSO) prior towith
and attached activation.
activation reques
nual (January) basis is conducted by the Branch Service Manager through ‘dormant accounts report’. Evidence of having done so should b
dormancy period should be delivered to the customer without charges as required by BPRD Circular No. 2 dated January 05, 2010.
for not maintaining minimum balance) should not be recovered from dormant accounts. Further generation of Statement of Account should
ia other than parent branch. Processing branch should send the scan copies of all relevant documents obtained at the time of activation to
ances or cheque is deposited in dormant account without changing the dormant status ?
ners would be valid for six months from the date of issuance and copy must be kept securely in a box file account number wise as a perman
Expiry
on Certificate
authority throughMIS from CPU,
a letter branches
if it fails send
to receive Lifeletters to their
Certificate orrespective customers
No-Marriage (asfor
Certificate pera Annexure) asking
customer, copy of them
whichtowill
submit the Life Cer
be maintained in
sred
in and not received
the account after out
is carried 6 months or if the
the account willpensioner
be markedfails to drawand
dormant pension for consecutive
customer will be sent 6a months to enable
letter stating account
the same andofficer to stop
no debit pens
transacti
ce or from any other reliable source the branch automatically block the transaction in Pensioner’s account. Funds will only be released upo
sameaccount
ner’s is reported
will to
bethe concerned
closed authority
and a new pensioner’s account will be opened for wife / successor of the deceased after receiving required instr
es have surrendered undrawn pension by debiting to pensioner account(s) for consecutive six months or over to respective AGPR regional
would be retained in record for ready reference. Beneficiary name would be mentioned on instrument as “AGPR Sub Office i.e. (name of o
sactions in case of expired certificate
g accounts of pensineers of other branches of the same bank.
notice boards/websites, etc. to lodge their complaints at BC & CPD helpdesk of SBP or at phone number (021) 111-727-273 (021) 324535
o respective account officers who fail to submit, life certificate in case of self pensioner and non marriage certificate of unmarried daughter/s
a report from system latest by 3rd working day of each month which will be reflect the date when pension was credited by the branch/CPU i
Department by courier latest by 5th of each month and copy of signed report and record of dispatch should be maintained as evidence?
concerned officials of the Govt. Dept. for prompt resolution of any issues and send monthly statement to AGPR office for reconciliation of P
of all expired CNIC/NICOPs the Branch Manager/ Branch Service Manager or staff designated by BM will conduct the annual review in Jan
d CNIC on the basis of list of expired CNICs received on monthly basis from AMU.
unts (SCRAs) reactivated upon receipt of authenticated instructions from the concerned FPI/account holder ? (BPRD Circular Letter No. 07
hes extract the report of Negative balance available in SYMBOL system “Account with Negative Balances ” for all accounts to identify those
.1-T) to the above account holders excluding those which are falling in above criteria highlighting the need of deposit in the account as per t
ntioned that in the event of his/her failure to revive the relationship within the time allowed (15 days), the Bank will close the account.
ecovery of negative balances on the basis of report received during the first week of each month.
on Saving accounts are passed-on to the customer. For this test, review deposit settlement account.
egister & verify any uncollected charges yet not written off from bank books after account marked Closed in system.
ent to CPU for account closure in system
recorded in a separate register
even though respective minors have attained the age of maturity? This account should be “CLOSED” and a new account to be opened in hi
dian that minor will attain the age of majority in one month. If the formalities are not completed, Are the account blocked after six months fro
uardian on minor and guardian’s names jointly?
gned by the minor
e of majority whowant
does not attained majoritythe
to continue with the guardian.
relationship with the bank, then funds shall only be released on joint signature of guardian and th
n the system, and client of the minor is also opened in system.
ather or mother court order is obtain for guardian .
oth father & mother, then the mode of operation of A/c would be jointly by parents.
ed at the time of receiving and the copy of the same should be delivered to customer duly acknowledged by BSM or his/her backup under h
tor and individual customers only.
nts before 1st of Shaban.
uring the period of 1st Shaban till 30th Shaban from those customers whose accounts have been opened during this period and forwarded t
etain a copy of CZ -50 in branch record and original forwarded to AMU through IOM for their necessary updating in system.
msofsignature verification on CZ- 50 against bank’s record.
Govt. Employees
aintenance of account balance from customer accounts opened in student, widow and pension and salary accounts of Government employe
c review of students accounts and in case of their student IDs expired status of the accounts should be changed
nknown
be entered into incoming mail register and acknowledge the delivery to the concern also be recorded.
ts of accounts from GSD/ Courier, branch scrutinized/identified the reasons of undelivered statements and arranged to deliver to customer a
the status of account is updated to "Whereabouts Unknown".
ts unknown restraint in the system, follow up process initiated by the branch to contact the customers for updating their addresses
rt/Return Mail report‟ deployed over Knowledge Manager on daily basis to monitor the accounts marked as WAU/return mail.
on receipt of customer's written request for address change (in case of jointly operated account, the request must be signed by all account
cording of undelivered statements received from GSD and their subsequent dispatch or hand delivery to the customers.
.t on monthly basis to monitor the accounts marked under different types of restraint for regularization.
n of shares lodged from one account with different names
ance accounts
sen during is followed
account by the monitoring
/ transaction branch process.
s policy is not maintained.
t cash vault was opened before 8:45 AM and cash counters were ready at 9:00 AM for customer services.
nch opening & closing register
e Manager/SBSO make necessary entries in Vault Access Register to record timing of Vault access i.e. time in/ out& also record withdrawa
ustodians jointly open / re-lock the safe and strong room.
during working hours within counter
stody of designated staff at all times.
re as per approved policy.
icated by senior custodians by affixing initials/signatures
to individual BSOs against their request through system and authorize the same in accordance with the cash assigned physically to each B
Manager/or his/her backup jointly access the vault for depositing cash in vault/safe.
d from respective Regional Manager/General Manager& Regional Operations Manager and copy to Head Opertions
custodians in front of CCTV
nuineness of the security guard’s signatures and photo identity from the list of Security Company authorized employees as per the bank’s re
ster Exists
ment accordingly?
with Security Company
O ensure that no single movement of cash exceeds Rs. 5.0 M (or as prescribed and insured under Bankers Blanket Insurance Policy). This
ranches
SBP/NBP operating on symbols- used
(Cash Withdrawal) the
Where relevant Nostros
Arrangements with accounts
a SecurityforCompany
settlement
arebyinadopting
Place. the procedure of cash shipment for other ban
rvices officer of respective main branch make SBP/NBP cheque for cash withdrawal after proper reporting to Treasury & get it signed by the
e consignment, one person signs on the receipt while, the second person signs as witness to the signature. The genuineness of the securit
accounts reconcile
SBP/NBP the same on daily basis
(Cash Deposit)
prepared highlighting the denomination and type of cash (soiled / sorted etc.) to be surrendered & submitted to SBP/NBP’s respective offic
nded over to respective security company against proper acknowledgment on shipment order?
pective SBP/NBP office to receive the shipment from Security Company against proper acknowledgment.
he SBP/NBP’s
Bank counter must ensure that copy of deposit slip is obtained from SBP/NBP.
(Cash Deposit)
on
/her“for onwardBranch
absence credit toManager
our a/c #send
_____________ maintained
request through with SBP’
email clearly shouldthe
specifying betotal
mentioned
amounton deposit
and lettertowhere
agreeing we areinnot
its break-up maintaining
terms of deno
ckets or bundles with binding duly signed and stamped by the BSO. The “sorted” stamp must appear on each packet of old notes. In case o
MIS onare
ments) monthly basis
recorded onaccounted
and the SBP prescribed
for. format separately and share / send the same on or 5th working day of each month to the des
corded in the book
red by the each BSO and counter signed by the vault custodian (BSO).
ions are maintained as per format prescribed by SBP. Refer (SBP Let. No. Cy.1087/336-2003 dated 28.05.03)
is stamped “SORTED” with clear identification of bank/branch and date of sorting and branch stamp affixed in case of new packets.
ine are available in the branch.
ncy notes issued to the general public on the prescribed format.
aining minimum One day’s fresh / re-issuable cash in vault in accordance with the average daily cash payment requirements except of the
monthly statement from all branches showing distribution of fresh currency notes to customers for onward submission to SBP.
ot be stapled
unauthorized persons.
emporarily during working hours, he/she locks cash and valuables under his possession.
hat BSM passed entries in the system as well while distributing physical cash to teller.
sword of Fire Proof Cabinets and cash safes within six months. Also verify in case of resignation/transfer of authorized person combinations
ning sufficient stock of coins of Rs 1, Rs 2, Rs.5/- & Rs 10/- denomination
ncy was available in branch
n codes are recorded properly with BSM's approval? Is there any cross holding of vault keys noted?
e authenticity of cheques. (SBP CPD circular number 2 dated July 02, 2011).
des maintained in sealed envelopes duly signed by both key custodians and placed off-site under intimation to the Area Operations Mange
cash balances to check insurance cover obtained, whenever cash balance exceeds branch cash insurance limit.
o obtain over limit cash insurance coverage?
pointed security agency?
o see that is cheque pay out limits followed by the tellers?
ned as per SBP prescribed format? (SBP Let. No. Cy.1087/336-2003 dated 28.05.03)
ogans of political, religious or commercial character cease to be legal tender and SBP will not receive or exchange and refund the value of s
ked Sorted and Soiled. Defective notes are kept separately. (Master Circular No.1 dated March 05, 2004)
eue assistance .
mped “SORTED” with clear identification of bank/branch and date of sorting and branch stamp affixed in case of new packet? (Master Circul
ment of Rs 1.5M and above has proper sorting arrangement . (Master Circular No.1 dated March 05, 2004)
mpanies foreign currency accounts. (FE Manual)
general public on cash counter in breach of SBP BSC Circular No Cy /01/03?
of cash handling /sorting at the time of acceptance of cash at the counters from their depositors? (BPRD circular No.12 dated Oct 19, 2011
e students depositing the amount of fee directly in the fee collecting account of the educational institutions.
ry should be balanced with the system’s balance appearing in respective BSO’s ID and BSOs transfer the cash to BSM/head BSO through
hysically with the system?
Manager jointly access the vault & cash is placed in the safe after updating the cash vault register to this effect.
ally with the balance appearing in the vault ID & printout of the same is attached with the branch’s daily cash position (blotter)
SO/BSO & Branch Service Manager& kept in the vault overnight. Safe & strong room will jointly be re-locked.
nager is informed about the shortage/overage to the ROM with a copy to GM.
of cash in excess of Rs. 10,000/- remains undetected for three days, preliminary report immediately forwarded by the branch to respective
anager undertakes specific investigation within three days to determine the responsibility for the difference.
ortage for longer period treated as per the guidelines mentioned in section 2.2.4 (c) of policy. (Cash Balancing Guidelines)
conduct quarterly surprise i.e. physical verification of CPC vault cash. This activity should be evidenced through signatures on Vault Access
rawals) above Rs 2.0 M or equivalent in other currencies are reported to AML unit in Compliance function on the transaction execution day/
of prize bond GL account and compare/analyze the entries with prize bond register.
nd transactions?
tional Prize Bond impersonal account balance/ ledger and properly recorded in the register?
2.million & above, reported to Compliance Function within seven (7) days from the date of transaction (CTR).
port at the time of close of business on the last working day pre-ceding the shut period a region wise consolidated report to SBP with-in five
ed on prize bond transactions
must ensure that the bill is not tampered in any way.
wn due to any reason, the branch must accept utility bills from the public which shall be processed through the system later on.
osit slips are validated through cash validation printer. In case of non-working of printer the reason of which must be mentioned on the bran
e will have to be referred to Regional General Manager and Rs. 50 M & above to respective General Manager through e-mail for informatio
thorized officer as per their assigned limits?
ers operating instructions of accounts as per bank record
atched with the specimen available in system/bank record.
ned on back of the deposit slips and cheques.
re payment? Cheques of post / stale, undated and any alteration should not be paid untill authenticated by the account holder.
accepted for payment without approval of the Branch Manager / Operation Manager.
eques drawn in favor of companies other than proprietorships is prohibited. Such cheques can only be deposited and collected into the acco
withdrawal is allowed between Conventional & Islamic Branches on Saturday.
ue drawn in favor of a company other than proprietorship was not made by branch.
ht / IV marker if payment is ≥ 100,000/-
ased to the bearer by obtaining his signatures on the back of the cheque.
uld be same as the date mentioned on cash deposit slip written by depositor
source voucher in placed with mentioning the reason of reversal
by the authorized officers as per limit given in SOP.
heques authenticated by branch BSM / BM through affixing of stamp “thumb impression affixed in my presence”
y transaction by branch / officer’ checked and signed by the BSM and designated officer of the branch.
parties for Rs. 300,000 & above made after obtaining copy of identification documents like CNIC, driving license & employment card etc.? A
r information along with copy of CNIC should be obtained (regardless of threshold) from occasional customers / walk-in-customers or where
o the drawer on his/her registered number available on bank’s record to confirm the issuance of bearer cheque as per defined threshold in
hall record the details with his/her initials at the back of the instrument. “Confirmed issuance of Cheque by the drawer over Telephone #……
unds Transfers are made on Registered Land Line Number and Registered Mobile Number by the processing branch. No call back will be d
ecovered from the customer as per prevailing SOC.
verified by the BSO referred to the departmental head for further verification?
covered as per bank schedule of charges?
business including Sole proprietorship accounts was processed by branch.
of any FCY cash deposit over 10,000 US $ or equivalent in a single day.
wal with SBP/NBP followed as per SOP 4.5.6 by main branches.
stomers/ Third Party (walk-in customers) conducting cash transactions (deposit / withdrawals) above rupees 0.5 million whether carried out
copy of CNIC while carrying out online transactions (regardless of threshold) by occasional customers / walk-in-customers or where such pe
branches. (CPD Circular No. 2 of 2011)
rawals) above Rs 2.0 M or equivalent in other currencies reported to AML unit in Compliance function on the transaction execution day/ sam
ords retained by the branch/department in their own premises for ensuring that retention is in accordance with the period mentioned in reten
et under dual custody.
m the customers with complete account number and obtain the depositors’ signatures and contact numbers on deposit slips
where institution account is being maintained with FBL, then concerned branch will select transaction type “PNDR” & “PNCR-float” accordin
of remittance received through western union after obtaining the copy of CNIC of the customers and proper verification
ranch as per approval matrix.
asis of withdrawal slip from one account in a month.
being processed by customer himself.
eld in system indicating the number of transactions processed through withdrawal slip
ment through deposit slip customer signature should be verified on deposit slip before debiting the account
action processing branch will email the details of the customer to parent branch
es from account holder as per prevailing SOC (Where applicable)
of the withdrawal slip.M263
eneficiary name with the account in which cheque is to be credited, are cheques scrutinized at the time of receiving and its being ensured th
of the outward clearing instruments and beneficiary account number mentioned?
sitor mentioned on the deposit slips?
rized as per assignment limits as per SOP
sing / endorsement and clearing stamps?
he face of the cheque immediately upon receipt?
mant the cheque should be returned along with the return memo. If the account is classified as Whereabouts Unknown then OM/BM approv
he register & cheque returned register showing full particulars of the instruments along with the reason for return?
is handed
y credit over to
outward the customer
clearing or his/her
proceeds authorized
in respective representative
beneficiary pensioneragainst proper
account with acknowledgment
tran type “PENC”in therealise
and outward cheque
clearing return
once register
return conf
PU for pensioner account must mention type “PENC”-
mer within two working days from date of receipt by branch an intimation letter along with the copy of cheque sent to customer through cour
to 30 days and branch will inform to customer accordingly and will deliver to customer through registered mail.
struments of Rs 50M & above are reported to Treasury.
repared in triplicate and signed by authorized signatories and sent it to NIFT/NBP/SBP while the branch retain triplicate copy for record purp
h the system.
per register. Designated staff and one authorized signatories jointly sign the collection letter and send instrument to CPU for processing.
ustomer deposit slips and system generated collection letter retained by the designated staff for record purpose.
urned except payable to a Government / Semi-Government organization or department.
in settlement account is credited in actual customer account.
nt on collection not received, fortnightly reminders sent to drawee branch / bank.
igned by the customer and authorized signatory of the branch where instrument is above $10,000 (equivalent in other currencies & being c
alized thorough cash letters.
items prepared and is balance with the general ledger
re processing?
sing / endorsement and clearing stamps?
h ambiguous reasons? (BPD CIRCULAR LETTER NO. 22 OF 2005)
ittance reported to SBP as inward remittance through Form ‘R’.
n behalf of their customers only and in case of erroneously received cheques, redirect the same either to the drawee bank or to the drawer
dited against the proceeds of the payment instrument lodged in Same Day Clearing, before the close of operations/business day.
dited
e against
bank the proceeds
shall ensure of the
that payee payment
account instrument
is credited lodged
against theinproceeds
overnightofclearing beforeinstrument
the payment the close of next business
lodged in intracityday.
and intercity clearing
payee's account within given timeline, it shall pay the compensation @ 3% above SBP policy rate to payee within 31 days of lodgment of in
received by in inward clearing
sentment of payment instruments in each clearing session in all branches, as per SBP PSD Circular No. 03 of 2017.
where guards are not available during the night outside the branches or those branches where ATM is not available will place drop boxes ins
r under owners name and duplicate keys kept in the cash vault.
e branch and time of drop box opening are mentioned on the drop box?
ss register kept in the drop box?
nder dual control and special crossing stamp affixed on instruments retrieved from drop box?
ustodian and backup for drop box?
d and discrepancies noted in the drop box contents register. Post dated cheques to be held for maximum 7 days under joint custody.
or bag key while junior custodian is responsible for drop box key and both custodians jointly access drop box.
content register to RB, BM & CSU & E-Business on daily basis
que register to RB, CSU & respective unit on daily basis
on corresponding
e.g. POs, DDs andaddress
MTs etc.by(irrespective
branch directly along with the discrepant cheque letter
of currency)
er / occasional / walk in customer except in exceptional circumstances where such instrument is to be issued, (i.e. favoring educational insti
h issuances i.e. PO / LCY DD / FCY DD rather using Suspense Account.
d Funds Transfer, check that application must be obtained on the standard application or plain paper. And in case of partnerships and comp
of PO issuance / cancellation Request will put date & time stamp through (where Qmatic System is not installed) the same if otherwise in o
of PO including CNIC no, address & contact details are received.
in case of unavailability of system / printing error, with prior approval of Head of Branch Operations.
by the branch BSM / SBSO , if PO/DD/SWIFT or internal transfer amount is more than the thresholds defined. i.e. 500,000
to the customer or his authorized representative against duly signed authority letter by the account holder & acknowledgment obtained on t
fidavit on non judicial stamp paper is received that original PO has been lost.
efore issuance of duplicate PO.
cation Form is retained for record.
nstant Verification Marker.
Payments/Funds Transfers are made on Registered Land Line Number and Registered Mobile Number by the processing branch.
ted / reported to SBP.
er and copy of Computerized National Identity Card (CNIC)? Is original Seen of CNIC preformed?
harges (SOC) for issuance of PO, DD, FDD etc.?
D any other related instrument for payment of fee / dues in favor of educational institutions, HEC/Board etc. may not exceed 50% of fee / du
s per sec 4.8.2(a, b & c)?
on HBL where bank does not have any branch?
n sent to back office treasury on same day?
ft of over & above Rs. 200,000/- would send an email by BSM/BM/BSO to CMU South mentioning the required details of draft (i.e. Draft nu
checked from OFAC list and KYC checked by the branch.
by 'For account of ___________‟?
ith daily transactions vouchers.
separately date wise.
al for cancellation, the branch would only credit the amount in customer account against debit to long outstanding / Unclaimed DD payable a
tion request along with the original instrument?
nue stamps of appropriate value on the reverse of the draft under the words “Received Payment by Cancellation”.
or the Purpose Intended” and date of cancellation noted on the departmental copy of draft.
ittance reported to SBP as inward remittance through Form ‘R’.
No.__ dated __________” written on the duplicate PO/DD?
dited into purchaser account? The instrument stamped "cancelled" and made part of vouchers.
he instrument is lost by the applicant or the beneficiary?
in case duplicate issuance is being carried out at branch other than the issuing branch?
st indemnity? where duplicate PO not issued?
h their rubber stamp from the government entities/autonomous body/ DFI/ NFBI for releasing the instrument?
yable account will be made with the written approval of BM who would first satisfy himself that all necessary steps have been taken for effec
revalidation of unclaimed pay order, officers affix the receiving stamp on request and verify the customer signature.
ment contain signatures of two authorized signatories of issuing branch one of whom must be BSM.
er & request filed in box file.
m the beneficiaries regarding verification of payment instrument request from beneficiary needs to fill standardized form (4.3 H)
ss of the payment instrument and retain verification form in record. This service would be free of cost.
ed to Pan Pakistan branches through Policy & Procedure Department.
med & outstanding pay orders on fortnightly basis through reports of unclaimed pay orders / outstanding pay orders & balance thereof shoul
following SBP guidelines as mention in OSED/SEU-10/018(01)/10288/2018 dated: 11-05-2018
e dual custody of /BSM/BSO& Remittance Officer/UT in fire proof cabinet with track of issued leaves.
balancing of stock be carried out fortnightly with the balance outstanding in the stock register/card.
r during the day while overnight should be kept in vault.
ctive account holders of FBL?
dies).
opies?
Specimen Signature Card) ruled off/void stamp affixed and locker’s documentation is complete?
s obtained and in case of foreign national their passport copies?
erformed before opening the locker?
can a minor be a joint-operator. However, guardian can avail this facility with minor account.
ount opening to increased risk / PEP customers without CAAML approval .
plication for issuance of locker?
enforced opaque envelope under the dual control of the Locker Custodian and Branch Service Manager in main vault or strong room.
s) application Forms filed in a serial order and kept in a fire proof cabinet under dual custody of the locker custodian & Branch Service Man
n General ledger and entry made in key register?
Ledger and locker issuance register?
erformed as per NCTO if locker holder appoints any other person to operate locker in his absence?
tors (jointly or singly) where account is opened in normal category and four locker operators (jointly or singly) are allowed for priority banking
documents?
r acknowledgment on locker opening form in noting" I have received my keys in sealed envelope".
ocker holder / POA on e-KYC module as per CAAML policy.
of locker forms (all documents including SS cards and photograph of the customer) to CPU - LHR for signature and picture scanning in Sym
ailing locker facility from licensee and evaluate it with the profile of the client
eures:
of locker issuance to confirm that locker is empty and correct key is delivered?
ize staff as per IOM signed by Branch Service Manager?
ecorded in key movement register?
ope and kept with nearest FBL branch or any other Bank.
envelops and under dual custody of O/M and BSO other than locker custodian?
DB attendant, and the time of entry and the time of departure is recorded?
key verified by an officer?
btained for the insurance ceiling?
e manufacturer in the presence of the allottee/customer and witnessed by two officer?(If keys were lost)
equest and signature on SSC been obtained at the time of surrender of locker?
ed on the basis of closing request signed by all the signatories.
will be recorded in the Lockers Key Register.
tamp” affixed on every document (i.e. Safe Deposit Box (Lockers) Application Form, Specimen Signature Card, Mandate, Safe Deposit Box
changed after surrender of keys upon termination of lease. A record of change of lock/lever be maintained showing Safe Deposit Box (Locke
er the locker vacant or not at the time of surrendering the locker?
aintained? Ensure that surrendered keys cut into two pieces and kept in sealed envelope under dual custody in fire proof cabinet.
rity of the Locker:
cured from all sides and the security arrangements in place are fool proof and meet the security standards?
gories
w: and sizes of lockers properly conveyed to the existing locker holder / new locker holders?
tomers are reviewed by BSM
eration request from lisencee?
d time stamped through machine?
stomer's visit time in the system.
banking hours.
report and locker access cards performed by locker custodian and BSM?
and entered in system and register?
ing the due
d past locker?
accounts:
d?
"Overdue"?
rent overdue for their information?
the customers with 30 days interval if no funds received in accounts?
branch shares MIS with respective GM and Head Branch Operations for advice. After two years of rent overdue; branch will send MIS to He
alice,
notice, bankbreak
the bank proceeds
opentothe
publish
Safe a notice Box
Deposit in news paper in
(Lockers) forthe
reminding finally
presence to independent
of two customer. witnesses; one should preferably be an advoc
Having overdue rent?
the branch as per sec 4.9.7
om with locker custodian during the day and kept in strong room under dual custody overnight?
on half yearly basis by an independent officer?
) BSM must match the Safe Deposit Box (Lockers) Forms with Safe Deposit Box (Lockers) cards in order to check incorrect filing.
with lockers records i.e. with locker issuance register, system sheet/manually maintained MIS (where available) and lockers application form
area is followed by the branch as per sec 4.9.11.
wed in case of deceased marked lockers?
s to in-house legal advisor for serving the legal notice to customers where rent remains overdue for two years ?
any means, are the locker holder compensated by the bank/DFI immediately as per the insurance ceiling of the locker?
o outstanding rent. Also ensure that there is no attachment order or legal injunction on the said Safe Deposit Box (Lockers).
of ATM Cards received from the card center in the ATM issuance register.
ustomers as per service standard i.e. 5 days of receipt of application.
ch would report to card operations unit within 2 working days from the receipt of daily Cards pouch. If not reported within the time frame it wi
ncollected cards on weekly basis
n daily basis sent to Call Center ITMC team for HOT marking in their provided excel sheet format via email.
L staff including FTE, Bank Contract and TPC.
Branch services manager puts machine time stamp on the card production report to record receipt time of the cards.
l only be issued if operating instructions are ''either or survivor'' and one signature will be required.
e proof cabinet/vault in the dual custody of BSO/BSM and the designated staff of branch overnight. However, during the day it can remain w
epresentative after obtaining authority letter, copy of CNIC (original seen by designated bank officer). Acknowledgment obtained on registe
er only upon his/her physical presence and customer must produce his/her valid original CNIC, the same will be verified and copy of the sam
lder.
ATM / Debit card to literate visually impaired/blind account holders against duly witnessed undertaking.
y the customer /representative. Ensure that reminder letter sent to respective customer after 20 days from the date of receipt of card in bran
ays the same destroyed (by cutting the magnetic stripe in two halves) in dual custody & signed off jointly and notation of this be made in AT
ing the card after destruction and keep in loop CPU, Asst OPS and card production departments.
custody of BSM and safe key with Head BSO in their absence these functions to be performed by the BM/SBSO and designated BSO.
ne changed at least once in six months or as and when staff handling these combinations are transferred or resigned.
combination codes are kept in the safe keeping of the nearest FBL branch in a sealed envelope under joint custody. In case no branch ava
ATM debit cards is done
ed into the machine and also ensured that cash replenished in ATM are not cut /soiled & are of re-issuable standards
M at all time.
h is fed in the ATM and insurance coverage for excess cash also arranged.
hese rolls are stored in a box (not exposed to light) and placed at the reasonable temperature and branch should avoid making photocopy
BSO or their designated backups balance ATMs on daily basis maximum by 1 pm.
hould ensure that all the activity of ATM cash replenishment is done under supervision of CCTV camera.
ered in the cash register (denomination wise)?
h journal roll and reconciliation is carried out for differences if any in order to identify suspect transactions(s).
Rs 20,000/- require approval from Regional Operation Manager
d out within prescribed time period?
e available in ATM booth/cabin in order to ensure safety and privacy.
ced in ATM booth and checked by designated person on daily basis
room in such way that customers PIN input cannot be captured. Further CCTV is installed to monitor/ record activity in the ATM vicinity inst
at the entrance of existing branches and ATM cabins to allow easy access to special persons and wheelchair users (CPD Circular No 02 d
ollowed as per SBP circular No PSD Circular No 2/2010 dated 08-07-2010.
nt of the customer, they must inform the customer in writing through approved courier service accordingly. Evidence of having done so shou
out cash dispense minimum balance charges should not be recovered.
ATM, branch removes the card from ATM and record the card number and details in register under dual authorization and return to the card
has not in visible/readable form.
copy of captured card for record purpose
stomer against proper identification & acknowledgment in captured card register
k.com for temporarily warm/hot blocking of cards in case captured card is FBL pocket mate visa debit card/ union pay debit card.
L standard format and affix date and time stamp while delivering the card to the customers
red cards as per PSD Circular Number 1 of 2008.
by customer and copy of CNIC obtained and held on records while delivering capture card to customer?
om officer end on photocopy of CNIC
hin 2 days otherwise sent to Card Center / respective card issuing branch and CFC informed accordingly.
ch to collect his card from his/her issuing branch within 8 working days then issuing branch cut the card into half and shred the card at thei
red with CFC on weekly basis.
he acquirer branch staff assist the card holder and facilitate him/her in lodging a complaint to issuing bank for immediate resolution.
er branch send the captured card along with the complaint lodged by the card holder on same day to the nearest branch of issuing bank.
plain white plastic cards or any unusual card is to be preserved and returned to CFC and the cases would be immediately reported to FRM
re designated by BSM to handle cheque book issuance and delivery to the customers.
ue books in case of second or subsequent cheque book where requisition slip is lost / destroyed are not be entertained without the physical
by customer at the time of account opening, then branch will obtain a request on plain paper in case of individual or on company letter head
uance of new cheque books in lieu of lost cheque book requisition staff deduct respective charges.
r (for lost cheque book requisition cases), CBC should be done on registered number with bank by BSM/SBSO to confirm the authenticity o
e existing accounts upon receipt, are checked by the branch for genuineness of requisition slip through embossed watermarks through UVL
Machine Date &Time Stamped by the branch designated officer in order to record receiving date and time.
elivery function rests with the operations manager.
ery of cheque book other than parent branch a written request is obtained duly signed by customer stating the reason as to why the custome
in case if he/she will come to online branch personally i.e. other than parent branch?
rom an online branch is received along with a covering memo of branch.
s, branches must ensure to check the status of account for any restraint such as dormant or whereabouts unknown.
been sufficiently utilized in Symbol branches, OM/BM approval obtained on the request.
ubmission of requisition slip the evidence /notification of the same should also be mentioned on the request by receiving officer. Whereas re
y issuing officer/BSO in system through relevant function by the issuing officer, noting to this effect (Serial number of the cheque issued) don
e along with system report duly signed by concern delivery officer or his/ her backup
d for all cheque book prior to its delivery to the customer.
d format are sent to customers in case cheque book delivered to third party representative.
ok to authorized representative of account holder if accompanied by authority letter duly signed by account holder clearly nominating the re
ue books delivered to customer's representative where contact with the customer cannot be established after obtaining approval as per exc
bank staff even if he / she holds customer’s written authority. Under special circumstances if it becomes absolutely necessary for certain cu
orized representative from parent branch only. Call Back Confirmation must be done by BSM/SBSO on system given register number only.
original CNIC and the same will verify and Copy of the same will be marked original seen under the name, initial, date etc. of branch delive
authorized representative of customer where customer contact is not established. However, in such cases cheque book can be delivered to
k request received during the day and a temporary restraint is marked through EOC by OM with the notation “This cheque book is not yet a
t/association can activate their cheque book providing the confirmation of receipt of cheque book in writing to branch as per the operating in
mer are recorded in the register maintained for cheque book issuance and it is reviewed by Department Head / Manager Operations.
ate the issuance / deliver register, take custody of cheque books and place them in the fire proof cabinet.
p the cheque book production list upon receipt of cheque books.
royed by the joint custodians after 45 days from the date of receipt with the written approval of BM/BSM with proper notation to this effect on
lder for the collection of cheque book after 20 days from the date of receipt at the branch.
ed the branch BSM immediately mark the restraint WAU in respective account and inform to RM for updating their address.
must be filed delivery date-wise for record purpose.
t overnight in the fire proof cabinet under joint custody of cheque book delivery officer and BSM/SBSO. While during the same are with des
oks balanced on fortnightly basis against out standing entries in the cheque book issuance/delivery register.
Book Issued by Branch” from KM on daily basis to ascertain that total cheque books entered in system matched with client requisitions. Also
books delivered to customers during the day with acknowledgements in cheque book register to ensure all delivered cheque books are act
restraint marked in the system against the relevant serial number of the destroyed cheque book.
ks is balanced on fortnightly basis with the requisition slips and the cheque book issuance register till these are delivered or destroyed.
ed and first and last leaf of cheque book and the original requisition slip is attached with it after cutting into two halves. Remaining cheques
er notation in the cheque book issuance/delivery register by highlighting them to be marked destroyed
M is provided to branch by respective AOM on fortnightly basis for reconcile
natures in advance on the receiving portion of requisition slips at the time of accepting the applications for cheque book issuance? (CPD Cir
d to customers on their visit to relevant branch only.
slip be attached with the IOM and filed date –wise for record purpose.
by respective AOM on fortnightly basis for branch record and to reconcile the same. CBD report will be signed by two designated officers on
dian on minor and guardian’s names jointly.
acilitation to provide conventional banking cheques book.
request received from customer/ representative/ post etc. on SI request and it is machine date & time stamped.
s performed by the branch where required.
branch records and customer requests are in order.
tion of SI, request will be machine date and time stamp and signatures verified
in writing if fund transfer request could not be processed due to insufficient balance.
be obtained by branch via email for cancellation of SI.
lation of standing instruction from the customers at branch, request will machine time stamp, signatures verified and marked cancelled.
y marked as "Deceased" under informative restraint as "DAS'
straint type (SDA) on all deceased accounts
ower of attorney or mandates given by him/her are cancelled and status of the account changed to "Deceased Account".
me & CNIC # of deceased in entire network and share the information with respective branches BSM/SBSO via email where the another acc
uccession certificate be addressed to the Assistant Registrar, Executive & Misc. Branch, High Court of Sindh.
ified to call center through email by BSM/BM for hot marking of ATM card (where applicable) & account number should also be provide to C
ode of operation is either or survivor, the survivor be requested to withdraw the funds and open a new A/C.
uction of succession certificate/letter of probate after vetted from Company Secretary & Legal Advisor.
s less than Rs. 100,000/- payment be allowed to legal heir without succession certificate against production of indemnity on prescribed form
han Rs 100,000/- the succession certificate submitted by the heirs should be verified by external lawyers.
ts should be closed in system
charges from deceased accounts
eased accounts properly
y, rubber stamp is required along with authorized signatures for corporate and commercial customers
ting? If request given over the phone a written request should be received same day or maximum next day?
est is mentioned on the request.
completeness of the request is checked & affixed with date and time on the request duly verified the customers signature .
t been presented/paid before the stop payment requests were received?
within 10 minutes) in system upon receipt of requests
standard printed format should be delivered to customer by hand under acknowledgement or to be sent through courier on the same day to
e obtained in writing and signed by account holder? Has branch obtained prior approval from BSM/BM of respective branch if stop payment
em should be removed only by the branch who has mark the same.
inst customer written request and approval of BSM / BM.
gainst proper acknowledgement?
ed as per current Schedule of Bank Charges?
stamp and verified customer's signatures on request as per account operating instructions.
o representatives of customers against authority letter after completing call back confirmation? Ensure sec 4.3.11 (4&5) of SOP followed?
ountfrom
NIC maintenance
customercertificate,
designatedZakat certificatesand
representative issued against
attached customer
copy request
with request and
and delivered
original seentounder
authorized person
the name, against
initial, acknowledgem
and date etc. notati
imen signatures available on authority letter
n the month of Jan and July for the preceding cycles.
o officers of the branch one should be BSM or his/her back-up if BSM is not present
omer that SoA will be couriered to on the address available in bank’s record if uncollected for 5 days from the date of receipt of request. Co
mabad, Lahore and Karachi, duly authorized to facilitate the process of requests of verification of bank account/statement expeditiously rec
bank statements of Students Applying for Foreign Education received disposed of, accordingly within seven working days from the date of it
y head for accounts/ bank statements of students verification from the accountholder/customer either directly or through debit to his/her acc
e branch daily check the complaint boxes installed in the branch.
the branches should first be time stamped & immediately lodged in Siebel (complaint lodgment system)
tem & proper record is maintained?
are time stamped & recorded in complaint register and routed to Complaint Servicing Unit in Service Quality through courier/fax or by hand d
el branch code number is also input in system
r clearing issues/complaints are referred same day to Complaint Management Unit for resolution within defined TAT( 7 working days)
and complaint unit taking senior line management in loop.
suggestion cards are also available?
plaints strictly adhered by the branch? BPD Circular No. 17 dated June 7th 2004?
aimed & outstanding pay orders on fortnightly basis through reports of unclaimed pay orders / outstanding pay orders & balance thereof sho
er & BSM of the branch?
ches for revalidation of Unclaimed Pay orders, branch would first obtain the written request from customer. The receiving officer shall affix t
alidated payment order & written request in separate box file.
s with (break-up & aging wise) is prepared by the 5th of every month for the preceding month.
Accounts are settled in the shortest possible time i.e. within a maximum of thirty (30) days from the date of origination.
t source, advance tax paid, tax recoverable, advance expense on new branches, advance rent paid, legal expenses, mark-up/service charg
Deposit Settlement account has been reconciled.
owed by branch for using imprest account?
roved as per schedule of financial powers
bills correctly calculated
e bills/vouchers
ot be claimed from imprest account
is restricted in vault / teller area.
d in cash area and list of the authorized persons is displayed on main door of the teller area.
OM) of the branch as the security & safety officer to coordinate with the Regional Security Officer (RSO) and Head of Safety and Security
motion detectors deactivated (where installed). Guard less branches will also note branch opening timings in branch opening & closing reg
mmary set of specific instructions boldly written in Urdu for their compliance.
uding police help line, crisis management team, fire stations, ambulance services, are available and pasted on the branch notice board. The
narcertificate.
visibility from outside and specially in the secured areas where 24-hour video surveillance and recording is provided, should remain switc
any
s & burglar alarm checked periodically by BM/OM (once in a week) and evidence of the same be placed in branch file.
maintained with the branch for audit trail with the detail of Security Guard Company Supervisor
must be arranged. BM/ BSM must ensure to check/verify the same on attendance register
4 of 2017 dated November 06, 2017, recording of CCTV cameras installed in branch should be available for 60 days.
uring the night, the security guards posted at the selected branch must remain inside and keep the main doors closed.
uards shall leave the branch and or allow any unauthorized persons to enter the branch premises after the close of business.
d by
by BMthe BM and the concerned Area Manager jointly under intimation to the Head Security and Safety, Head Operations and the security c
cord and report every abnormal security related incident, alarm signal or any other unusual incident during the day or night through a situat
ough NADRA Verisys before their deployment in the branch
llowing them access to CCTV and ATMs for maintenance and servicing
going away from their work stations.
the branch is password protected.
us) ports of desktop personal computers are restricted.
r that they can observe all visitors and are in a position to react in emergency. Further to ensure that guards only be used for security duty a
posted at one location for long time and should be rotated at least once in six (6) months. Further once a guard is transferred from a branc
pection of the premises (once in every 3 months). Is report of the inspection held in the branch record.
l times in high and medium risk branches?
re its use can not be easily seen by anyone. Is remote panic button also available with the OM?
ational and checked on periodic basis?
ccess to key pad be confined to only authorized persons.
cash vault and locker room activated by the authorized person and recorded in the branch register / log book.
periodically changed at least once in quarter and at the time of employee leaving the branch? Also check that same is recorded in the regis
he remote security services provider with information to the RSO/Head S&S with every transfer and change previous password or security c
lidays random surprise check and monitoring of the security guards posted at the branches has been instituted together with the security co
anch on daily basis for security alarm coding and decoding.
during off hours to cover CCTV recording during night.
g duty more than 12 hours in one shift?
quipment periodically tested by the BM/OM (once in a week) and recorded in log book.
sibility from outside and specially in the secured areas where 24 hour video surveillance and recording is provided, remain switched on insi
st aid box fully stocked with necessary materials and ready for use at designated place.
nstalled in the branch.
h checked with the security firm and verification process is conducted i.e. supported with introduction letter?
diligence (e.g. CNIC, passport, driving license, account files and business correspondence retained for at least five years.
ced with a grill / shutter and all glass windows and façade be protected by a grill of sufficient strength.
n branch premises after close of business or holiday without written permission granted by the BM and concerned Area Manager jointly un
ide of the ATM front door for the safety of customers.
the ATM area.
room glass in order to protect customer transaction secrecy.
d their back ups, latest user profiles of Symbol 8.5 System . Ask for the latest review done by ID Management Team. ID creation, deletion a
Security & Risk Management?
any circumstances.
e relevant branch and BSM or BM
-defined roles?
o authorized staff only?
ment printing rights in system?
at least semi-annually, with a formal sign-off by responsible business owners?
ement, etc.) if any, reported by the business Head to Head IT Security & Risk management?
assigned
e to the IDs?
on or transfer?
employee to disable his/her User IDs?
oyee ID on his day of join-back once the employee sends an e-mail request for enabling the ID?
am immediately if there is any change in his / her leave plan for necessary rectifications?
out required approvals.
f to Employee IT Security Guide?
cted to a specified period?
the branch. Ensure present set-up is in accordance with it.
mployees are in place, which are duly signed by the employees and approved by the competent authority.
nt and incidental in nature may not be allowed for more than one day at a time. Any need, for absence of more than one day from work, sha
e than three (3) days at a time must be supported by a medical certificate from a register physician confirming the employee’s inability to at
branches, at least once every three years subject to justification
d, and staff avail the leave according to the HR Policy.
bank’s policy and PL must be availed for 15 days without break at least once during the year.
maximum of 10 working days be allowed by end of April endorsed by the Functional Head in concurrence with Head of HR.
and the same was sent to HRD, HO.
in HRMS which should be approved by line manager.
16-04-19. regarding dress code.
followed at the time of staff transfers / resignations ?
alization expenses. The same should be done through Insurance Company.
gister of staffs by mentioning Serial number, Name of Employee, Employee number, Grade/resignation. As per HR circular dated: 11-04-18
rses / workshops to give a clear understanding of the SOPs to bank staff.
horization (Limit authorization), before proceeding of leave.
anch then AOM has raised the request for issuance of system ID to his backup.
sed by BM himself.
e staff should be made by the branch.
tained and tested.
anch and assess whether it is properly and timely updated.
rocedure update
rrect showing in HRMS
oved leaves following the process
n displayed?
ghtages are displayed.(Only for Islamic Branches)
ayments through Direct Credit System displyed.(SBP C & CPdCircular letter No 01 dated 13-04-2017)
ates been displayed? (SBP BPD Circular No 6 dated 04-07-2006)
een displayed?
ccount of travel, medical and education services notice display.
public awareness regarding travel, medical and education services provision.
) displayed at branch?
played by the branch as required by SBP circular FSCD 18 0f 2010?
displayed? (Conventional branches)
on of BBA (Basic Banking Account) displayed?
nboard. As required by branch licensing policy issued vide BPRD circular No.4 dated May 24, 2016
Account holders (Opened in predefined neutral category) to convert their account to Asaan Account (Current Category only) with prior conse
played at prominent place?
displayed BPRD 31 2008?
mer customers displayed at notice board.
ingwill
nk displayed?
not be responsible after leaving the counter.
d here.
out broucher displayed. As required by SBP through circular # PSD Circular No. 01 of 2014
aced prominently?
mplaint forms for Banking Mohtasib available?
performed displayed in branches opened on Saturdays?
orking Hours displayed on the notice board?
C displayed on notice board?
displayed at a prominent place in the branch.
d Handing over of Counterfeited Currency Notes as per BPRD CIR. NO 8 OF 2007
cy notes bearing slogans of political, religious or commercial character cease to be legal tender and SBP will not receive or exchange and r
ic information.
" displayed in regional and Urdu language? Where applicable.
ents on withdrawal of Rs1M and above displayed as per Punjab Govt. notification?
f Faysal Bank Limited displayed.
ovt. Taxes & Duties via internet banking or ATMs’ displayed inside branch premises and/or ATM room. FD Circular Letter No. 03 / 2018
tion “DONATIONS TO THE SUPREME COURT OF PAKISTAN’S DIAMER BHASHA AND MOHMAND DAMS FUND ARE ACCEPTED HER
ion reported by the bank retained till the bank gets permission from SBP. (As per required by prudential regulation M-3).
a minimum period of five (5) years, all necessary records on transactions both domestic and international.
king water, special assistance and due cared is provided to the senior citizens/ pensioners and special person and make arrangements of
submit to SBP by the 3rd of the every month (violation of Chapter No XXII Para 5 of F.E Manual)
orted in Statement S1 (Schedule E3/P3) in Foreign Exchange Return System (ITRS)
he staff should be made by the branch.
ntained and tested.
anch and assess whether it is properly and timely updated.
ntinuity Plan to ensure it is regularly tested
ed at branch?
reduce the usage of printers to comply with the paperless environment,
ches which will save energy and cost
th circulation fans.
ing AC on UPS with longer back up time,
thermostats to 20°C or lower in the winter and 22°C or higher in the summer
hts where possible to control electricity use
Y STAR appliances
d green cover (trees, vines) to reduce a building's heat gain
r indoor lighting, particularly in interior rooms
f resources like electricity, water, petroleum, paper etc. and send to Regional/Head office for the necessary action where required
danch’,
by theare displayed/ Assistant
Supervisor on the hoardings
Manager above green
of CPU branches
clearing from and on the notice boards within such branches
dongle.
ard clearing from NIFT by 8:30 AM.
NIFT scroll will be carried out. In case of any difference CPU shall inform NIFT in writing or via e-mail to rectify errors.
atching of words and figures and verification of customer signature
0,000 should be analyzed in ultraviolet light by CPU.
nvariably
cifically returned
issued by CPU. However
on designated solitaire cheque may
book)beirrespective
cleared from account and
of amount marked
other“Whereabouts Unknown”
above 500K to brancheson the basis
(where of respective
signature BM
differs) & in
.00 M should be obtained from the respective branches / BSMs through e-mail.
notification of the same on the copy of instruments with two authorized signatories. the same should be received within 30 minutes from the
e referred to respective Relationship Manager / Team Leader for approval in case sufficient funds are not available in the account.
le by 12:00 p.m CPU, will return such instrument with specific reason.
cordance with Returns Code list provided under Annexure C of PSD Circular# 03 dated 21th Sep,217 and all returned cheques will be ente
to any reason will be returned to concerned banks alongwith a “Return Memo” mentioning the reason for not honoring the cheque and the
g total number of instruments along with consolidated amount.
charges after the approval of competent authorities.
ned on returned memo.
be recovered manually due to insufficient funds.
d instrument will be filed and kept at appropriate place by CPU.
tward clearing,
bag and handed inward
over normal
to NIFTclearing, CPU, clearing by debiting “Deposit Settlement Account”
representative.
en the total amount of cheques and NIFT Inward Clearing sheet, all posting will be checked through daily branch / officer report and pre-con
erification stamp through UV scanner and preparation of date wise packets of paid cheques is carried out.
stamp through UV scanner or through printer and preparation of date wise packets of paid cheques will be carried out.
undles and appropriately kept in a proper place for future records
ing total amount of realized and un-realized instruments, If same match with NIFT inward clearing sheet then, only then clearing is balanced
ent will be lodged in Outward Clearing by CPU, Clearing for onward credit to the deposit settlement account.
g, inward normal clearing account will be credited by CPU, Clearing by debiting "Deposit Setlement Acount" to settle the difference in inward
nt on receiving request from Collecting Bank.
shours
mustdue
be checked by thebalance
to insufficient Supervisor through
or any daily branch
other reason, CPU,/ officer
Clearingreport and pre consolidate
will immediately entries
inform the Branchreport.
Manager / Branch Service Manage
e presenting bank by CPU claiming funds through pay order against the returned instrument. Such letter must be signed by the Manager C
aring settlement will be debited by crediting normal inward RTGS account and CPU will then debit normal inward RTGS account & credit re
ccount & credit respective settlement account
rument will be in deposit settlement account, and upon realization of funds in outward clearing, inward normal clearing account will be credi
ng settlement / suspense account should be balance / reconciled on daily basis.
ecked by supervisor/ department head through daily branch/officer report and pre consolidated entries.
dthe
intercity
receipt(10:00 to 1:00must
of cheques PM) verify
will bethe
processed through
number of afore mentioned
instruments and depositprocedure.
slips physically with that mentioned on branch’s IoM.
guthorized
receivedrider
stamp (with
from dateClearing
CPU, and time) on the time
at cut-off IoM to
asacknowledge the same
advised by NIFT from time to time.
aring compile MIS batch wise for uploading in the system in the morning of next working day/clearing day.
ch branch SOFT copies with NIFT scrolls.
tions
dit branch
Cards) arewise withmanually
posted CQCC transaction code, the
by the designated same
staff andtosubsequently
be executed authorized
through upload
by theoption in Third Party Module of SYMBOLS 8.5. (T
supervisor.
n alternatively CPU prepare soft copy of all debit vouchers (branch wise) through system upload option using transaction type CROC on req
which are rejected after processing through upload option due to any restraint, error or reason what so ever are posted manually. Check wh
ed debit
on against the proceeds
vouchers of the credit
for all debit/ instrument lodged &
transactions in cross
overnight clearing
checked andbefore
signedthe
by Close of next
the user, business/Assistant
supervisors day. Manager of CPU, Clearing
d balanced if the total amount of realized instruments & returned cheques is same as NIFT outward clearing sheet.
unt of outward clearing & NIFT sheet is identified through daily branch officer report.
ng entries with NIFT clearing sheet, outward clearing settlement GL is credited by debiting normal outward RTGS with a consolidated amou
pective settlement account & crediting respective Outward RTGS account.
s credited by CPU- Clearing upon realization of Inward Collection cheques in Outward Clearing.
posit Settlement Account and crediting relevant COC settlement account to settle Inward Collection cheques transactions in the system.
wing amount & account numbers and reasons for all instruments returned in Outward Clearing & uploaded on FBL internal portal on the sam
ted in Branch wise excel based Cheque Returned Register.
r to authorized staff / rider of the branches
will be prepared
s check and stitched
all transactions by CPU-
through Clearing
system and report
generated kept inofathird
fire proof
party cabinet
Moduleattoan appropriate
ascertain place and genuineness of the same day
the accuracy
ded by signing respective
outward/inward) checker,
is carried out supervisor,
daily and evidenceassistant manager/
of the same manager
is provided by on the hard copy as per
supervisor/Assistant assigned
Manager limits.
CPU- This must
Clearing be, without
supported by his/e
ed with the title of account in which it is deposited.
hould invariably be returned.
horized in the system unless returned cheques are received from NIFT.
ffixed on face/back of instrument
e sent to CPU on next working day
ected by CPU & informed to Branch via e-mail
ated in after noon by user in accordance with assigned crediting limits as mentioned in Process flow
ked marked account, Same should be credited in “deposit settlement account” until account marked active by respective branch.
clearing sheet. CPU will directly debit SBP Nostro account with outward clearing GL account
es are stitched by CPU and kept in fire proof cabinets.
under dual custody till next working day under fire proof cabinets and same collected by respective branch riders under acknowledgement
for clearing that are drawn on banks located in Paksitan.
on Thursday, Friday will be lodged in USD-Clearing on Monday. Likewise, cheques received on Monday till Wednesday will be lodged on T
they are properly scrutinized before their lodgement.
ed on face of the cheque and "Endorsement Confirmed" stamp back of the cheque duly signed by the authorized signatories
anch / Bank, the cheque receiving officer will check the reverse side of the check for duly authenticated clearing stamp cancellation
ncerned officer email the OM/BM of the respective branch for rectification. Cheque will be returned to the branch for rectification of advised d
manually as per SOC.
l and islamic customers), designated staff of CPU will debit SBP local FCY Clearing account and credit OUTWARD CLG SETTLEMENT NO
gwith return memo should be kept for record purpose.
d Clearing should be properly scrutinized.
r assigned limits.
debit the customer account and credited US$ deposit settlement account. For Islamic branch CPU will relay MT 202 for debiting Islamic Nos
rn Memo should be signed by the Supervisor/Asst Manager CPU along with returned memo handed over the NIFT authorized representativ
with daily vouchers in fire proof cabinets.
ed/active agents for processing of FRC transactions.
dchange
provided to desiganted
companies staff to
or foreign access
banks the application.
through Does
web or e-mail etcsystem restrict
is aligned withthem
SBP to change
format it with
which regular time
includes.CM interval for
containing password
payment prote
details as
Remittance Identification No. (RIN) on both customer's & bank's copy.RIN can be generated either by FRC or Exchange company.
uments for Account opening of Exchange companies/Foreign banks to CAAML for approval?
pening of Exchange compnay / Foreign Bank Account.
ee is
tracking
checkedNofor
forOFAC
transaction
& UNSC tracing in FRC
list by SYMBOLS.
system prior funds transfers to beneficiary.
SC listofas
pose and are
funds when notifiedby
provided bythe
P&P (Policy and
exchange Procedure function)
Company/foreign viaAML/KYC
bank for e-mail. purpsoe at FBL end.Test soes AML/KYC is performed for
d under OFAC or UNSC list, CMO has obtained relevant information (date of birth, nationality, place of birth & Address) from remitting bank
user isfunds
NSC unable to validate
remained heldtransaction on the
in PRI sundry basistill
account of the
Secondary information
information (DOB, Father
is not provided Name, Address)
from Exchange Companythey may report
/ Remitting the incident to A
bank.
beneficiary, check PO issued within 24 hours of the receipt of funds by FBL via CashLink. (FE Circular No. 04 of 2009).
e transactions shall be uploaded in CashLink / CBS for digital PO issuance and dispatch to address mentioned in RDD.
match of address or any other reason), it shall be communicated to Exchange Company/Foreign Bank within 24 hours on receipt of return m
ourne by FBL
nge company same was processed same day. Incase RDD is received after banking hours, it shall be processed on the next working day.
o Unclaimed deposit account. Test all such PO are paid after revalidation.
hrough any rule, it has parked in the repair queues. Further, any transaction rejected from direct Credit or other Credit would require data rep
of ques are prompltly handled by CMO
s been obtained over debiting their account for payout through sundry.
eneficiary & remitter has been conducted or not.
ed, CMO user has
D. Transactions hold the
purpose transaction
reflective in FRC andnature
of commercial manually refunded
are subject to to
beremitting
reportedbank.
to AML team as internal STR immediately after processi
should be mark on the account.
rly mentioned in the transaction and is indicative of home remittance (the essence of PRI). Any purpose reflective of commercial nature sho
RI transactions above Rs. 2.5M received during the month to AML Team.
uest of exchange company/foreign bank but after crediting into beneficiary account consent from beneficairy was obtained prior refund to th
BP on their prescribed format with regular intervals
M regaring PRI & FRC during the year
FBL website link used for tracking of remittance payments.
s allowed users to submit their COTC queries.
siness for accuracy, claim lodged & claim receipt in bank books
f available at CMO, then test payout forms.
/asses their voulume of business for sample selection.
d & off-borarded during audit tenure. Test customer's ID were disabled.
essed same day and for tansactions Involving more than 250 accounts processed by next working day
O user and ensure that all the credentials including time stamp, date, amount in words and figures, signature verification, UV in case of cheq
in symbols - EOC module and user print transaction batch report from the system and attach with the transaction for authorization and cros
at all transactions received in CMO have been processed without any overlook
and check all the credentials including time stamp, date, amount in words and figures, signature verification, ULV in case of cheques amou
ystem through pay order module
nt balance are checkded on daily basis on next working day.
check all transactions are processed without any overlook.
MO accompanying Client written request signed by authorized signatories with Original Payorders
rganization / autonomous body / Semi autonomous body / DFI / NBFI, discharged from the beneficiary with proper stamp and signatures of
rom where the POs were issued and, user affix “CANCELLED” stamp after cancellation on the face of instrument
ut his initials on the request
ovided written request signed by authorized signatories together with an FIR as prescribed by SBP.
er as per the bank’s format along with the request for issuance of duplicate PO issuance is obtained
n “Issued
MBOLS in Lieu of Lost PO
Account
user and ensure that all the credentials including time stamp, date, amount in words and figures, signature verification, ULV in case of cheq
HBL branches as per our agency arrangement.
are issued by CMO on basis of IOM received by CMO-South via fax or email (followed by original IOM) mentioning the required details of DD
through CSC / branches as original or scanned image through e-mail scanning module
he credentials including time stamp, date, amount in words and figures, signature, ULV in case of cheques, beneficiary details & CBC where
orting in place before processing the transactions.
y Orders
e moved from DD payable account to Nostro account by TBO. Movement of funds to Correspondent bank and
er as per the bank’s format along with the request for cancellation / lost FDDs obtained
cked from the reconciliation unit
end to drawee bank for their confirmation on the status of the cancelled DD
the narration
PAID” “Issued
appearing in theinreport.
Lieu of DD# .....”?
earing in the report
s do not carry authorized signatories however cheques printed at bank's end carry's authorized signatories.
vailble with the authorized CMO users and can print the cheques for individual transactions or select print check box for printing all instrume
at all cheques appeared in the report has been printed as per the customer’s request received in the system
/ CSC officer / Customer’s authorized representative or deliver through bank rider at their premises after obtaining acknowledge on the prin
ix months/time barred instruments are automatically marked as stale in CL. On presentment, system will prompt error that this cheque cann
e PO/DD and also print the report and ensure that all PO/DD appeared in the report has been printed as per the customer’s request receive
after Completion of 10 years.
eques, deposit slips from clearing departmnet / branches / drop box / customers
S Cheque Collection module after proper scrutiny and then run transfer data in the system for outward clearing.
st lodged o nClearing & Collection.
d to profit center of CMU under GL
ery is kept in safe vault under dual custody & balancing is carried out on monty rhly basis with noting in security stationary register.
ments at FBL as well as client premises and identify potential deficiency if any.
ansaction
anager activity
of CPU log receiving
upon transaction no. wise.issuance
DSC/SSC 2) User activity log with
application mustrespect
ensuretothat
activities performed
application is duly filled in all respects
SSC issuance application after proper scrutiny.
ed in is
basis excel based stock
maintained & sale register
duly signed & on the
by concerned application
officers form.
and supervisor/manager
Registration number on the application and also write the same on the certificates with date of issue and full name of the applicant / benefic
ger of CPU must ensure that all DSCs/SSCs issuance applications processed during the day are appropriately filed based on registration nu
SSC
to / DSC
State sale
Bank of account
Pakistanon dailyPublic
(SBP) basis Debt Office as per the format (annexure A) along with SBP Cheque by debiting DSC/SSC Sale Acc
bmit the month wise sale report on the prescribed format (Annexure I / J) to SBP on or before 7th of every month after completion of 90 day
/encashment/premature encashment report is submitted to SBP by the next working day for the preceding day
& duplicate issued will also be reported to SBP by the next working day for the preceding day
cally balance with the balance as per stock card or stock register.
DNS sale report in annexure H for previous quarter has been verified from SBP prior obtaining stock with fresh indent.
eipt of fresh stock and same are kept under dual custody.
alancing of stock in hand.
d from SBP 90 days after the completion from date of issuance of certificates.
f amout receivable from SBP on account of SSC/DSC encashements and profit already/earlier paid to customers
time after one month from the date of purchase. Test no profit is paid if encashments were made before completion of one year & six mont
om income tax filers & Non filers respectively & Zakat@2.5% was dedcuted at the time of encashment from investments(Principal plus pro
ager/Manager of CPU upon receiving DSC/SSC issuance application must ensure that application is duly filled in all respects.
s are passed, designated user will issue the certificates and enter the details of certificates issued in excel based stock & sale register & on
Sale / Registration number on the application and also write the same on the certificates with date of issue and full name of the applicant /
so affix “Issued on_______” stamp on customer’s application mentioning date of issuance of SSCs/DSCs and initials on issuance applicatio
rward relevant customer’s application along with certificates to the concerned Assistant Manager/Supervisor of CPU for his verification.
pervisor will thoroughly review and cross check all the details mentioned on customer’s application against issued certificates and mark the
CPU to ensure dispatch of original certificates along with copy of processed application through approved courier services (where required
g of date of dispatch / acknowledgement right next to the details of certificates in relevant register prior to sending / handing over original ce
ger of CPU must ensure that all DSCs/SSCs issuance applications processed during the day are appropriately filed based on registration nu
ignated officer
designated or Supervisor
officer CPU
of CPU while will submit
depositing SBPsale statement
cheque to State
to Public DebtBank of Pakistan (SBP) Public Debt Office as per the format (annexur
Office
ns4.00 p.m.
would bewere
sentprocessed on same
back by CPU day, lateBranches
to respective receipts to be processed
without on next
processing, working
followed day
by an e-mail to the attention of Branch Manager and Br
t SSC/DSC are transferred/re-issued from one person to another or to legal heir by applying on the prescribed form (Anx F) and succession
rchaser or his nominee(s) or heir(s), as the case may be, are entitled to have duplicate certificates issued from the issuing office on comple
ofit coupons for encashment must ensure that proper disbursement instructions are mentioned on the encashment form.
rofit coupons, profit will be paid to the customer and entries are passed.
be sent to the effect of having credited the concerned customer account.
cate issunace or transferred cases same were reported on next working day to SBP.
ons or DSC same were properly endorsed on the back of coupon by the applicant along with signing encahsement form "annexure B". Furt
irst to customer and claim later within 7 days amount paid from SBP.Test whether same procedure is in place or not
dged with SBP within 7 working daysafter receiving WHT challan from FBR.
ommission from SBP will be processed upon receipt of credit in SBP NOSTRO activity via RECON unit. In case where credit will not have b
y the applicant and proper disbursement instructions were mentioned on encashment form, Certificates were not under lien, having duplica
investment, Zakat has been deducted once at the time of encashment @ 2.5% on the principal amount (Face Value) of the SSC and in ca
from one person to another, profit coupons were detached and defaced from new coupon book as already enchashed by transferror during
om transferor as advised under SOC
nk. CPU has received discharged certificate along with letter of lien from Customer via our branch. Test CPU has assured customer signatu
k in favor of---" on the each scrip mentioning the date of lien marked and same noting were noted in respective register.
ures on the back of each scrip and issuance application with FBL rubber stamp. Test also same filed branch wise under dual custody.
nated staff has affixed stamp"Lien released in favor of---" stamp on the back of each srip and application.
ned
ive at anyespecially
basis of FBL branch
whoseprior
full to issuance of
movement of funds
TDR. are envisaged at each maturity may be allowed if supported by appropriate approvals as
R and Account are same.
tomer's
ation name,
is not account
provided number, amount in words and figure, desired tenor, instructions of maturity, settlement and customer signatures on
by customer.
Deposit issuance application must be supported by full signature of customer.
h while forwarding Term Deposit issuance application to Central Processing Unit (CPU), Term Deposit must ensure that customer’s account
rate written approval from concerned authorities must be obtained from the concerned Group head and attached with the applications.
unts must be in presence of two branch senior authorized persons from Branch Operations who will verify the presence of customer and af
fCPU,
PKR 2MTerm Deposit
and aboveon arethe
notsame day or latest by the next working day
ned date and their initials by affixing stamp "Issued on Date" on application.
the day and customer’s application were forwarded to concerned Supervisor for his review & approval.
ross check
ourier the allallTerm
the details
Depositsmentioned on application(without
receipt confirmations with system's generated
any threshold TDR
limits) to account report
customer's and made
address his initial
available as evidence.
in Bank's records and all dis
s issued diuring the day in prescribed format as mentioned in retail banking procedure.
re appropriately filed and kept under dual custody (as designated by the Manager CPU) at the end of each day.
m Deposit with special rates unless written approval of same from concerned authorities is provided by respective Branch
m Deposit with back value date unless written approval from respective Regional Manager & Head Centralized Operations is provided by the
ved within the cut-off time (5:00 pm) would be processed by CPU, Term Deposit on the same day, if otherwise in order.
d
orbe processed
issuance by CPU,TDR.
of duplicate Term CPU
Deposit
TD on
willnext working
email day,certificate
duplicate if otherwise in order.OPS team after receiving such request which will be later o
to Branch
Term
on Deposit
advices of Receipts on due date where “W/O” (signifying renewal/rollover in the system respectively) is marked in Term Deposit Accoun
nd the same to respective customers on their address as per bank’s record on the next working day.
s from CPU TDR account Report on daily basis
ically roll over principal plus profit earned earlier.
obtained by the branch and copy of the approval by competent authority together with Originnal customers's instruction are kept in CPU rec
ecial rates from relevant approving authorities (Retail/ Corporate/Commercial) for renewal/rollover of said term deposit will be sent to CPU,
o forward DNR original instructions to CPU TDR through approved courier services or by hand delivery on next working day after execution
n daily basis & cross verify the renewed TDRs from above report.
er instructions
ack Rate) do not outstand for single day at respective settelement account.
nstructions from CAD ensures that said TDR is renewed on the due date and generated from system.
mediately marked on renewed TDR in system through deposit module & lien marked stamp shall affixed on the hard copy and the same wil
cipal amount has been renewed.
t earned minus applicable Zakat and WHT in customers settelemnt account.
h would affix receiving stamp along with initials on pre mature encashment instructions. Customer’s signature on premature encashment in
e processed on same day if in order otherwisesame will be processed on next working day.
eck premature encashment instructions with details mentioned in TDR issuance MIS and mark date of payment with initials accordingly.
shment On ........." stamp on TDR / confirmatory advice and forward the same to supervisor for review and initials.
d) & correctly calculated after applying applicable profit rate.
er applicable SOC of that tenure.
d, than profiton
ncashment must be paid
booking rateatrest
least @ Head
with the minimum rate in
of Products prescribed by SBP
case of Retail & concerned business heads for Corporate/Commercial.
ls)
ashment of TDR after settling liabilities for which lien was marked.
on there against of "Collateral" has been deleted by CAD in system, a confirmation to above effect will be sent by CAD/CIU to CPU Term De
ature Encashment On ........." stamp on TDR, customer original application, and mark initial and forward to concerned supervisor for initials
om branch, Assistant Manager/ Manager of CPU TDR will check that lien marking TDR must be marked as Roll over/ Renewal in system
n removal, Assistant Manager/ Manager CPU TDR arrange to remove funds held restraint (LEN) from CPU AMU in system (using 0100 Ids)
CPF & RAF been properly filled as per scan documents?
nt opening forms as mentioned in Annexure I regulation R-1 and required stamps affixed thereon?
letter of salaried persons? [Where applicable]
verification attached with relevant for. If NTN is not verified from FBR website, has this exception been approved by respective Regional Ma
ts rejected by compliance or CPU
levant documents are received, AMU reconciled these original CRFs and documentsand and send to archive for filling
son only)
unts have BRN expiry date as 31-DEC-2999 where not available.
S of all such customers/accounts where the business relationship needed to be closed due to negative verification after issuance of TAN?
f Specimen Signature Card in the relevant module and enter the operating instructions as per CRF, SSCs and Board Resolution?
f Thanks through system and dispatch the same to customer at given address through approved courier services. Copy of Letter of Thanks
with the reason customer's address is incomplete or incorrect or consignee shifted or no consignee available at given address etc. Concern
on WAU marking (where cell number is available), informing them of the marking of risk.
sfully designated CPU staff must input the cheque book request in system as desire by customer as per CRF/CLA.
ail to the respective branch BM/RM to contact the customer and arrange to provide new or correct / complete address to CPU, Account Mai
omer's address in the system if error is found while cross verifying the same, generate the LoT again duly corrected the error for onward dis
omer signature is verified by the branch ops, Upon receiving new / correct address, duly signed by the customer(s), update / enter new addr
dress must also be attached with relevant CRF for records. While proof of dispatch maintained separately.
ce would maintain Branch wise Account Opening box files and file date wise opened CRFs, Specimen Signature Cards (where applicable) a
es of critical nature from branch and upon receiving written request from the Branch Service Manager or Branch Manager or Regional Mana
address and profile) and for resigned staff and ensure the correspondent address to be updated (if already marked as FBL office)
ty (special cases) with the prior approval of respective General Manager. In such cases, AMU is required to mark address field (CBS) as ho
e minor in SYMBOLS via SEIBEL system. Birth Certificate / CRC - Child Registration Certificate of minor to be captured in NIN field with iss
lient, industry type 'Minor' has been selected.
in the 2nd tab where system will automatically fetch required details from client level for monitoring purposes..
(039) in INDIVIDUAL SC MAINTENANCE in RB 212 of SAVINGS ACCOUNT OPEN / MAINTENANCE Screen. (This is required to waive Za
Annexure 4.11.C) by the CPU LHR reminding the guardian that the minor will attain an age of majority in one month. If the formalities are no
in the Minor Account after 6 months from the date "Minor attains Majority". At the time of blocking the account, AMU to generate and dispa
unt blocking restraint in forward value at the time of opening the account so that any debit activity in the minor account is automatically bloc
ccount closing form will be jointly signed by the minor who attained majority as well as the guardian.
ned major) is to be opened, CPU would change the industry type of the client of the minor from Minor to other applicable category.
ranches kept with the CRF of the customers.
Procedure (CAAML) Guidelines Applicable to accounts. The responsibility of screening for NCTO is as per policy document 2.1.3 (c) are foll
n system, CPU must ensure to use new client type (PEN) & category (PE). This is a non-amendable field.
fe certificate due on/ non marriage certificate due on putting a forward date which is 6 months from the issuance date of these certificates)
ptured one month earlier i.e. 5 months from the certificate issuance date of issuance to facilitate the branch to follow-up with the customer fo
with forward expiry date of 6 months. The account will automatically be blocked after 6 months in case the customer fails to submit Life Ce
and send it to respective branches a month in advance of Life Certificate or No-Marriage Certificate becoming due so that the branches can
ciliation with accounts offices on the basis of following items: New pension issued Pension transferred to heirs Pension transferred to other
he CPU authorized officers and copies shall be retained as permanent record. Any discrepancy shall be resolved within six weeks
h) from account Office or from any other reliable source, branch will automatically block the transaction in Pensioner’s account
uccession certificate / instruction received from accounts office.
months period in pensioner account. Customer would be sent a letter informing the account will become dormant in a month
harges have been
other banking defined as
relationship NIL.
is attached to the Account which is to be closed.
approved by Branch Service Manager/Branch Manager.
nt documents (if required/original CRF if retained at branch) should be couriered by the designated staff of respective Branch through appro
CPU upon receiving Account closing application from branches will review the application & attached documents for completeness. Any dis
ocessed by designated officer and duly approved by respective Supervisor or Assistant Manager CPU.
rued profit (if any) will be capitalized. Accrued profit (net of WHT) will be credited by the designated CMO in settlement account Currency wi
with CMO through email on daily basis
losed should be affixed on account closing application & relevant documents (if any)
t will be generated by the designated staff from systems, reconciled with number of Accounts closed during the day and signed by the resp
ce will maintain Branch wise Account closing box files and all Account closing applications along with CRFs/ CLA forms, SSCs and relevant
kept under the dual custody of Supervisor and Assistant Manager CPU, Account Maintenance in a fire proof cabinet at proper place as perm
ces, if request of account closure received at CPU from management. Ensure that notices are served to customers are enclosed with IoM.
pectives branch BM/BSM/SBSO, that account has been closed in the system by CPU.
such information(death) would immediately unmark all service charges
able to satisfactorily complete required CDD measures, account shall not be opened or any service provided and consideration shall be giv
nts shall maintain all necessary records on transactions, both domestic and international, including the results of any analysis undertaken (e
er, retain those records for longer period where transactions, customers or accounts involve litigation or it is required by court or other comp
ases via KYC
the funds App/ Symbols
provider (i.e. CNICand will update
/ NICOP / POCthe risk classification,
/ ARC or Passport). next review date and any other details in Symbols and in Client File on re
IN CLIENT/ ACCOUNT
bel System?
ceived are complete in all respects. Designated staff would then enter the required amendments in Client / Account in system
e marked Closed in system with status Executed
by Supervisor / Asst. Manager and verify the amended details from system generated report.
AMU officer will reconcile from report of closed SRs. Subsequently, designated officer will attach the relevant docs and complete the reque
n top of Customer Request.
pany account, a letter signed by the Company Secretary and / or new Board Resolution explicitly stating the removal of previous signature m
s received, AMU will send a confirmation letter (Annexure 4.1-DD) to Company Secretary after signature's deletion and copy will be retained
ill / any other document as mentioned in Annexure A/ CAAML procedure specifying the customer address as that of mentioned in the releva
em, designated staff would sign the requests as the maker.
Supervisor/Asst. Manager who will check and verify the amended details in the system and sign the amendment requests as checker.
aff of CPU will generate Change of Address letters (Annexure 4.1.II) and dispatch the same to the customer address. Copy of the same will
the change.
riginal seen stamp under the name, initial, date by BM/RM on record.
h Nadra Verisys by AMU. Proof of having done so should be attached with CRF. If individual wants to change in spellings copy of Passport
M change of that
to ensure title is not allowed
original acceptunder
seen stamp to open
theaname,
new account.
initial, date etc. is affixed after verifying from the original document.
egistrar
change of the firm specifying the alteration and signed and verified in the manner required under section 58 of Partnership act 1932.
as been changed, the new address should be mentioned on CRF.
RF and then process the request in system which will be further checked by Supervisor/Asst Manager
e designated staff and / or respective Supervisor and / or Assistant Manager, CPU Account Maintenance.
with relevant CRF and documents pertinent to that account for records
port of customers whose identification documents (CNIC/NICOP/POC/Passport etc.) whose identification document will expire in coming mo
atch hard copy letters to account holders whose mobile numbers are either not on record or invalid
marked as "Whereabouts Unknown" by CPU Account maintenance accordingly
ontaining valid mobile numbers (as per above criteria) to ADC Ops.
mobile companies and share SMS forwarding confirmation report with ADC Ops.
ort from ADC regarding 100% SMS forwading.
for Audit purpose as per record retention policy
Pakistan) on monthly basis by 5th of every month, showing the details of clients whose CNICs have expired during the preceding month.
able) / Pakistan Origin Card (POC) will also be generated by CPU on monthly basis.
e CNIC report and exclude the customers who have attained the age of 65. AMU will update the expiry date of CNICs of all these clients for
s with ADC Ops to send SMS as reminder for submission of renewed identification documents.
n for expired CNIC / Passport / POC (Annexure 4.1-EE / Annexure 4.1-FF / Annexure 4.1-GG) will be generated and sent to the customers t
d for generation of intimation letters, will be retained at CPU for record purpose.
k whether the CNIC has been updated or not. This exercise will be conducted on quarterly basis for the preceding quarter.
t the VERISYS every six months for the entire pending data of all active accounts.
the respective CRF for record purpose.
y expire, will be shared with the branches for their active follow up with customers on annual basis with 10 days of year end
e / power of attorney from customer (physical presence of customer/mandate is mandatory) along with affidavit duly signed by the mandate
andate/POA from the one currently in use must be vetted by legal & compliance prior to accepting from customer.
ndate/POA holder unless authorized by the Principal in writing with signatures on E-banking Forms.
andate/ POA holder if authorized by Principal
e signatures on the CNIC are matched with the signatures on SS Card and Third party mandate/POA holder. In case of difference in signatu
(where required) shall be done as per CAAML Procedure by AMU
nt documents, designated staff of AMU to scrutinize the same for completeness. In case of any discrepancy, the same will be communicate
res of the mandate along with Operating Instructions in system.
anch wise file for records by CPU.
elete /remove his/her signature from system & Upon receipt of such request AMU immediately remove / delete the signature from system an
by confirming the above act on the system given address
nt holders in respect of signature revocation authority/request, bank shall block the account operations until an agreement / confirmation rec
ve customers on the basis of approval from respective business group head (GM for -Retail/Head of CBG -South or North/Head of CIBG)
nt Maintenance by Branch BSM or his/her backup which will be kept in safe custody with respective CRFs.
PU Designated Supervisor ensure completeness of the request as per Fax Indemnity Policy before setting the same in the system.
emnity of customer in system in relevant module.
he Supplementary card holder to verify the signature & other details and marked the copy as original seen. KYC of supplementary custome
nt to CPU, Account Maintenance through Siebel as scanned copy well within the cut-off timings. Branches must ensure to dispatch the origi
e service charge & modify the service charge date as current date for deduction of charges at end of day.
ck the data input in the system physically with the request & authorize the data which are correctly fed by the user.
anager should be forwarded to AMU or for further processing as per the criterion mentioned above. Branch and CPU should retain copy of t
r dormancy report on daily basis and share data (Individual/Joint/Sole proprietorship accounts only) with ADC Ops for sending of SMS to tho
atch hard copy letters for accounts without mobile numbers and invalid mobile numbers.
ontaining valid mobile numbers (as per above criteria) to ADC Ops.
execution and ensure timely and complete execution of file.
mobile companies and share SMS forwarding confirmation report with ADC Ops. ADC Ops will reconcile file to ensure 100% SMS forwarded
for Audit purpose as per record retention policy
U complete log of SMS Sent, delivered and remained undelivered.
proprietorship or in case if SMS status is undelivered as per provided log of ADC Ops or contact number of customer is not available in sys
will be marked WAU by CPU.
unt becomes dormant, on daily basis and share data with ADC Ops (Individual/Joint/Sole proprietorship accounts only) to send SMS to cust
ntimation Letter Report on daily basis to mark -and suppress print option in relevant fields of system on dormant account to ensure that syst
monitored on daily
ed at the branch basis/ by
/ CSC CPUCPU - Account Maintenance to unmark -& suppress print on accounts being reflected in above report as reactiv
charges can be recovered from the dormant account by using appropriate transaction types through which the dormant status will remain u
e dormant accounts manually in the system upon confirmation received from BSM or his/her backup in case of customer initiated credit ent
IC expired BSM should send to copy of valid CNIC through Seibel to AMU LHR for updating the expiry date in system. Upon receipt of the a
account activation report on daily basis for all branches and confirmation of account activation will be sent to all such customers on prescrib
NT account holders on yearly basis and share data with ADC Ops to send them SMS (Individual/Joint/Sole proprietorship accounts only).
U been scrutinzed by the branch like SI being machine time stamped, customer's signature verification done, mode of request recived menti
the same day or maximum next working day through courier/hand delivery.
inal standing instruction (SI) if the original does not reach at CPU max by next working day?
view the
branch viacustomers’
e-mail, standing instruction on daily basis to ensure that no instruction can be overlooked or duplicated in error?
ount, to attach intimation e-mail sent to respective branch, with the original SI for record purpose.
ct Standing Instruction charges (where applicable) from the customer account as per prevailing SOC?
er finance and Bancassurance customer.
source document before authorization of the transaction in system?
o authorized transaction prior to posting in the system?
ments from branch, ensured that all transactions have been processed and reconciled and filed accordingly with the scan/fax copy sent by b
ere manual S.I posting is done by designated officer of Respective CPU hubs?
SI to be processed manually whereas all auto processed SI to be extracted from KM report.
m branch, has the request machine time stamped, signature verified and 'Cancelled' stamp affixed thereon by the branch.
ancellation of SI?
in CPU max by next working day by courier/hand delivery?
on updated ?
ansaction not executed due to insufficient balance in customer'sEnsure
account?
that AMU received original CZ-50 received forwarded by branch throu
(i.e. After valuation date) CPU Designated Supervisor Mark client ' s record for zakat declaration in the system.
tem on the basis of CRF/ARF form as a part of new account opening process?
eipt of cheques ensured to verify that the instruments and deposit slips are kept in sealed envelops and the number of instruments and dep
orized staff of NIFT?
mpiled MIS batch wise for uploading in the system in the morning of next working day clearing?
atched branch SOFT copies with NIFT scrolls and the supervisor uploaded the transactions branch wise with CQCC transaction code/ same
Cards) posted manually by the designated staff and subsequently authorized by the supervisor?
return alternatively CPU will prepare soft copy of all debit vouchers (branch wise) through system upload option using transaction type CRO
authorized in the system by the supervisor of CPU, Clearing only upon receiving the returned cheques from NIFT same day?
r or reason) manually posted by user, authorised by the supervisor.
ion limits are adhered by the CPU?
ed against the proceeds of the instrument lodged in overnight clearing before the Close of next business day.
t & credit transactions cross checked and signed by the user, supervisors /Assistant Manager of CPU, Clearing?
debiting normal outward RTGS with a consolidated amount after balancing of Outward Clearing entries with NIFT clearing sheet?
ment account & credited respective Outward RTGS account?
U- Clearing upon realization of Inward Collection cheques?
umber and reason of all instrument returned in Outward Clearing uploaded on FBL internal portal on the same day of return of instruments?
ranch wise folio of Cheque Returned Register?
U delivered the returned cheques to the authorized representative of the branch?
es prepared and stitched by CPU- Clearing and kept in a fire proof cabinet at an appropriate place?
ed all transactions through system generated report of third party Module on Daily basis and signed by respective checker, supervisor, assis
d) carried out daily and evidenced by supervisor/Assistant Manager CPU- Clearing supported by his/her full signature and all suspense acc
erly sealed/broken/tampered.CPU shall refuse to accept the clearing bags & inform NIFT immediately
h NIFT scroll carried out? In case of any difference CPU shall inform NIFT in writing or via e-mail to rectify errors
amount in words and figures, mutilation etc. performed?
olet light & IV Marker for payments ≥ Rs300,000/- by CPU?
instruments carried out by respective process owners as per assigned limit?
sing / endorsement and clearing stamps?
sented in the inward clearing > 1,000,000/-?
n 30 minutes if no response is received from branch for CBC, if otherwise in order.
by 12.00 p.m. in solitaire accounts, CPU Clearing return all such instruments with specific reasons?
ariably returned by CPU however cleared from accounts marked ‘whereabouts unknown/return mail’ on the basis of respective branch mana
ordance with Returns Code list provided under Annexure C of PSD Circular# 03 dated 21th Sep,217 and all returned cheques will be entere
ques returned due to insufficient funds?
y the Officer of CPU, Clearing with either CPU Assistant Manager or Manager.
nto filed and kept
approval atsame
of the appropriate place by CPU,
from competent Clearing
authorities for records and any subsequent queries?
only?
al number of instruments being returned along with their consolidated amount and instruments placed in a sealed bag and handed over to N
owed by cpu staff?
by the Supervisor through daily branch / officer report and pre consolidated entries report?
n clearing & preparation of date wise packets of paid cheques carried out and all packets are stitched?
against returned instrument (debit note), letter was signed by Manager CPU with authorized signature number.
by cpu as per SOP clause 4.6.4 (d)?
d from dongle software in the morning by the supervisor/AM CPU daily.
es verified by respective user / supervisor.
rutinized as per assigned limits?
hysical cheque matched with NIFT inward clearing file.
uploaded in system by using main branch ID?
ded in system while PO and sub-standard cheques are posted manually?
or extract two reports for rejected and successeful transactions branch wise.
in serial number are posted manually?
ug UV scanner on paid cheques by designated CPU staff?
ault for record.
sented to CPU, CPU/ Designated branches will return the photocopy of fake/forged instrument with the return memo to Collecting bank whil
nsaction, all such cases were referred to FRM.
M Policy & related SOPs for recording in ORM Loss Data Depository.
ng (with
atter takentime
up &with
date) stamp after
respective ensuring
branch's BSmtheor receipt
BM on oftheoutward collection or outward intercity clearing cheques to verify the number of che
same day?
dial action or returned to branch in case can't be resolved and send e-mail to the concerned branch by CPU?
omers posted in deposit module using transaction type CQIO by CPU / Clearing Hub branch staff. While posting the transactions, it must b
f FBL affixed on cheques by branches.
on daily basis online using NIFT online report while clearing
ques jointly signed by clearing officer and supervisor CPU / BSM & filed for record
uthorized rider for lodgement after obtaining receiving on triplicate copy of clearing schedule?
slamic banking customers, charges will be recovered from islamic banking Ids and vice versa?
ntercity MIS under remarks column.
nter-checked by supervisor CPU.
s on daily basis?
e cheque retuen charges from customer a/c upon released of float in system?
t reason of Funds Insufficient only?
d prepared by respective CPU and crossed checked with returned instruments and jointly by a user and supervisor.
que returned memo along with original collection letter filed by designated staff of CPU, in Colloection Cheque Returned File?
g Hub Branch, via e-mail shall inform respective branch or through upload on intranet for respective branches view on account of Outward in
y of designated staff and supervisor of CPU?
nding over of returned outward intercity clearing cheques to branch's rider/ branch's representative in the morning of next working day?
ared and stitched
erse side by designated
of all instruments staff of respective
by respective CPUwith
branch along andauthorized
kept at apprpriate place?
signatures?
n up with respective branch and held the intrument till remedial action taken up by respective branch.
r chq drawn on cities where NIFT exists) or through LCY Collection (for cheques drawn on cities where NIFT is unavailable)?
ntered the realzied outward collection transactions along with the date of realization in respective collection MIS along with recording of che
s carried out during the day must be thoroughly checked by respective supervisor and A.M, CPU through branch/officer/BT electronic journa
visor and A.M of CPU?
se of cheques returned due to Insufficient balance?
cheque returned memo along with collection letter be filed in Collection Cheque Returned File?
s sent to the attention of BM/BSM of respective branch latest in the morning of next working day through branch rider / branch authorized re
ed on original collection letter by designated staff of CPU and filed in Paid File of outward collection?
ared and stitched by designated staff of respective CPU and kept at apprpriate place?
charges on intercity /normal collection recovered as per SOC.
he payee’s account due to any reason?
e the SBP policy rate to Payee for the period of delay subject to determination and notification of error as per section 36 of PS & EFT act 20
s/complaints within seven working days from the date of receipt of complaint
ng of the Banks and resolve the disputes by mutual agreement within three working days.
fifteen working days from the date of receipt of complaint for their resolution. However, the fraud related complaints shall be resolved within
ved amicably(where
documents between the Clearing
required) House and Banks within the specified time may be referred to Chief Manager of the respective SBPBSC
are retained
spatched to drawee bank/correspondent bank will be prepared for instruments received from branches & by allotting FOBC reference numb
Care should be exercised while verifying the instruments to not to select any Nostro account by leaving such field blank where instrument
atories (Assistant Managers or Manager) will be prepared on bank’s letter head & sent to respective drawee/corresponded bank along with o
e Supervisor /Assistant Manager who would also initial the same as a token of his/her reviews
sent in system,
returned “Paid”
unpaid stamp
on the dayon
to entries set of copies of each and every realized instrument would be affixed along with date of payment and
be reversed.
ent schedule of charges as well as Nostro Bank charges should be recovered from customer account
es of cheques sent for collection should be carried out by jotting down the amount of unrealized collection cheques from COC Register whic
is restricted in CPU Vault area.
oss check all transactions through system generated report of third party Module to ascertain the accuracy and genuineness of the same da
d as the security & safety officer.
/exit doors, CPU vault area and provide 24 hours service for recording.
llowing them access to CCTV for maintenance and servicing
going away from their workstations.
the CPU is password protected.
us) ports of desktop personal computers are restricted.
nd locked all the time to restrict the unauthrized persons?
) operational and checked on periodic basis?
quipment periodically tested by the designates CPU staff (once in a week) and recorded in log book.
sibility in the secured areas where 24 hour video surveillance and recording is provided, remain switched on in the CPU during the night.
aid box fully stocked with necessary materials and ready for use at designated place.
nstalled in the CPU.
n CPU premises after close of business or holiday without written permission granted by the department Head and Head CPU jointly under
11-04-18. regarding Maintenance of Attendance.
d their back ups. Obtain latest user profiles from both systems. Ask for the latest review done by ID Management Team. ID creation, deletio
h their JDs?
swords in any circumstances.
in order to identify responsible manager?
-defined roles?
o authorized staff only?
to any staff?
at least semi-annually, with a formal sign-off by responsible business owners?
ement, etc) if any, reported by the business Head to Head IT Security & Risk management?
are
e assigned to the IDs?
any resignation or transfer?
ployee User IDs?
oyee ID on his day of join-back once the employee sends an e-mail request for enabling the ID?
am immediately if there is any change in his / her leave plan for necessary rectifications?
out required approvals.
f to Employee IT Security Guide?
diligence (e.g. CNIC, passport, driving license, account files and business correspondence retained for at least five years.
while using Imprest account?
mployees are in place, which are duly signed by the employees and approved by the competent authority.
d, and staff avail the leave according to the HR Policy.
16-04-19. regarding dress code.
bank’s policy and PL must be availed for 15 days without break at least once during the year.
maximum of 10 working days be allowed by end of March endorsed by the Functional Head in concurrence with Head of HR.
and the same was sent to HR department, HO.
in HRMS which should be approved by line manager.
mpletion of notice period approval obtained from HRD.
followed at the time of staff transfers / resignations ?
es / workshops to give a clear understanding of the SOPs to bank staff.
he staff at CPU.
ntained and tested.
PU and assess whether it is properly and timely updated.
e unclaimed & outstanding pay orders on fortnightly basis through reports of unclaimed pay orders / outstanding pay orders & balance there
seris&conducted
Assistant Manager of of
by the 5th theevery
CPU? month for the preceding month.
Accounts are settled in the shortest possible time i.e. within a maximum of thirty days from the date of origination.
sitinSettlement
Remittanceaccount should be reconciled at day end.
application.
payment
umber) chain/message.
(STAN) which should be a unique number of all transactions
creased risk countries would be approved by AML team after satisfaction of transaction on case to case basis through safewatch screening
any outward remittances being rejected in OFAC and Increased risk countries, same would be reported by the CPU, Remittances to Treasu
unt from FIG for effecting the outward remittances
enter complete
ther CCY) details of ordering customer & beneficiary along with purpose of remittances in accordance with the outward remittance app
and above
out of Outward Remittances register (soft form) from KM report next day .The same to be counter signed by CPU Officer and Assistant Man
messages as per system generated reference numbers along with respective customer’s /department application for outward remittance will
thoroughly checked and cross verified with source documents by designated officer/Assistant Manager of CPU, Remittances through User
CPU, Remittances must check all executed Outward Remittances transactions with Nostro Activity Report to be received from Swift Operat
beneficiaries bank regarding remittances (other than OFAC/screening queries) must be handled by CPU
retain all
number original
(field 20 offorms in a day
the MT103 wise
with manner activity
NOSTRO under the supervision of concerned Supervisor or Assistant Manager CPU, Remittances and e
report
message such as spelling mistake, wrong account number or name etc CPU remittances should send a tracer (MT - 199/195) to the remitt
hereabouts unknown/return mail etc., CPU will immediately refer the same to the Branch Manager or Branch Service Manager of respective
the system (debit respective settlement account & credit customer as per below mentioned assigned limits) must be thoroughly checked a
ensure to process inward remittances received on account of home remittances shall be timely processed in accordance with SBP FE circul
r CPU, Remittances must ensure that all transactions carried out on account of Inward Remittances are thoroughly checked with KM report
user ID report/daily transaction report duly signed by the respective user, Assistant Manager and Manager CPU, Remittances must be caref
also update currency wise details of all Inward FCY Remittances of below US$.10,000/= or equivalent in separate Schedule IRV on a daily
ager of CPU, Remittances must ensure that currency wise maximum 40 entries are stated in each Schedule IRV
mittances data for the month to all respective branches by 15th of following month to update necessary customer profile form / KYC by bran
prepared and submitted to State Bank of Pakistan with a copy to Treasury Back Office by Central Processing Unit (CPU), Remittances func
Exchange Return system (ITRS) during the month, designated staff of CPU, Remittances at the end of each month would attach Form R, I
ensure that data entered in ITRS system is saved on desktop of computer by using the export option and subsequently sent through an e-m
nager of CPU, Remittances prior to submitting the original forms along with relevant Schedules and covering letter to State Bank of Pakistan
st ensure that acknowledgement received from State Bank of Pakistan is appropriately filed along with copies of forms and relevant Schedu
ed and check that particulars of INWARD REMITTANCE are entered in the IR register and message received is incomplete a telex/letter sh
ceived from Swift depatment should be throughly scrutinized by the designated officer or supervisor of CPU.
d by SWIFT department
ng customer mentioned on SWIFT message.
customer profile, business available on bank’s record and according to the AML/CFT regulations
tomer, ordering bank and ordinering country should be checked from OFAC list
ated message.
reference number (field 20 of the MT 103) with NOSTRO Activity report)
number printed on the inward SWIFT MT - 103 checked with bank record.
FT MT 103 Bank
e remitting i.e wrong account noumber,
by authorizing name
respective of customers,
correspondent details
to debit of account
our orderingthrough
customer
MT&199
purpose
whereoftracer
remittance not mentioned.
is not responded CPU,
by the rem
remitti
pects
gn for credit
currency) ≤ $ to beneficiary
10,000/- on same day.
(or equivalent) will be processed by CPU, remittances without referring to the concerned branch if otherwise in ord
eheofbeneficiary, account
the beneficiary, number,
account amount,
number, ordering
amount, customer
ordering etc. for
customer etc.inward remittances
for inward ( ≥ $ of
remittances 10,000/- or equivalent
cross currency of other FCY
or conversion to respecti
in PKR (≥ $ 1,0
er/designated officer of respective Branch would confirm KYC/AML/due diligence for ≥ $ 10,000/- or equivalent in other FCY supported by
nter details of all inward swift MT-103 alongwith purpose of remittances in an MIS duly countersigned by the respective supervisor and AM C
mant or whereabout unknown CPU should refer the same to BM or OM of respective branch, on the instruction of branch CPU process the
d be signed
quivalent) andbyabove
the Supervisor or AM CPU.
during
ager the day should
/Manager be reported must
CPU, Remittances to TBO (operating
ensure ontransactions
that all SYMBOLS carried
only). out on account of Inward Remittances are thoroughly checked w
ing day to avoid any possible duplication. A confirmation of doing so must also beBank,
ort but SWIFT MT-103 of the same is not received from remitting / correspondent notedrespective
on such report.
Supervisor would immediately send SWI
Remittances would debit customer and credit WH_Tax on Remittances Account of respective Branch (where CPU, Remittances is located).
wise details of all inward remittance of below of US$ 10,000 or equivalent in separate schedule IRV on a daily basis.
se detailsthe
bmitting of Form
relevant'R' forms
and IRV in Schedule
to SBP J-O3 in
must ensure FEpurpose
that Return program
codes are(ITRS) on fortnightly
appropriately basis.on all such forms and exactly matched wit
mentioned
nch did not respond to CPU, Remittances within the agreed timings as advised by CPU/Service Quality from time to time on the same day,
details ofwill
mounts be reported
ordering by CPU,
customer remittances
and other relevantthrough TRESmust
information System to TMU for
be carefully confirmation
entered of exchange
by the designated rates
staff for each
of CPU, transaction
Remittances in within
system th
ensure to process inward remittances received on account of home remittances shall be timely processed in accordance with SBP FE circul
ager of CPU, Remittances must ensure that currency wise maximum 40 entries are stated in each Schedule IRV.
nt Manager of CPU, Remittances must cross check all such data in Foreign Exchange Return Program (ITRS) and ensure no operational er
nces would retain all original forms in a day wise manner under the supervision of concerned Assistant Manager CPU, Remittances and en
customer will be credited to the customer account with in prescribed time period (i.e. within 72 hours, as mentioned in Circular # 14 of Fore
t holder after the proper identification. CNIC / NIC copy to be obtained.
e amount within six months the same should be transfer into “Unclaimed Remittance Payable”. The Branch Manager should approve any d
d into foreign currency account of individuals. Purpose of remittance should be obtained.
a transfer a notation “payment Stopped by the Drawer” and also made on outstanding departmental copy.
ned by the customer in case of companies letter head duly signed by the authorized signatories along with rubber stamp should be obtained
authorized
unt number)signatories
for all swift transfers where applicable specifically for Middle East countries where they do not accept wire transfers without hav
nd cross check ordering customer, beneficiary name, bank & country in from Officer of Foreign Assets & Control (OFAC) List.
increased risk countries should be approved by AML team after satisfaction of transaction on case to case basis through safewatch screen
C should be reported to TFO within the agreed time.
iary banks name & address along with SWIFT code are clearly mentioned on the remittance application.
customer profile, business available on bank’s record and according to the AML/CFT regulations
beneficiary & ordering customer.
checked and authorized by the designated Supervisor or Assistant Manager of CPU.
cessed during the day should be reported to TBO on attached format.
d in the System & in register (soft form) and take printout to have the same counter signed by respective supervisor and AM of CPU.
d by SWIFT department, HO
stem generated reference number alongwith customer application should be filed and kept under supervision of AM CPU.
ekced and cross verified with souce documents by respective supervisor and AM CPU through User ID report on daily basis and also signed
U, Remittances
ostro upon respective
Activity Report, receiving required original
Supervisor forms & Manager
or Assistant other relevant
CPU,documents from
Remittances concerned
would Branches
immediately send would
SWIFTcross checkMT195
message the same
or Mw
$nd15,000/- (or the
signed by eqvapplicant.
in other CCY) should of
And coding bepurpose
checkedof/ remittance
approved byonAssistant
Form ‘M’Manager CPU andwith
is in accordance aboe USDof15,001
nature approved
transaction by codes.
& SBP Manager CP
rm 'M' in Schedule E4-P4/E-3, P-3, in FE Return program (ITRS) on weekly basis.
Manager of CPU, Remittances must cross check the same and ensure no operational error is made by the user. Any operational error or m
nces retain all original forms in a day wise manner under the supervision of concerned Supervisor or Assistant Manager CPU, Remittances
ed to FCU, HO or respective branch (FCY cash shipmnet to other bank only) processed by CPU, after approval from Heads of respective de
ecovered from the customer as per schedule of charges..
notified the fact to the drawee bank / branch through telex / email on the same day .
y the drawee bank / branch should be reported in SBP.
should be reported to SBP as Inward remittance through Form 'R'.
nizer's on behalf of expense to Saudi Arabia sould not exceed 30% of the Hajj package. As stated in EPD Circular Letter No. 07 of 2017
m Umrah Organizer's PKR account maintained with suffix Umrah. (F
nnexure.
triation of funds ( only in case of advance payement).
extOrganizers
h to be done
of kin declaring amount to SBP.
essentially required for treatment abroad.
o
d each patientas
per student and
perone attendant
calender yearwhich should be
on accouunt of endorsed
applicationon his/her/their
processing, passport..
tuition feed, living expenses etc.
al institution.
institution showing break-up of expenses.
account of the educational institutions via SWIFT
he above limits the bank will forward the case to the direcotor, foreign exchange operations department along with justification and documen
mitted by the applicant should be retain for record purpose.
sident share
ed by the holder. Check
non-residents on wether authorization
the basis letter wasthat
of their undertaking obtained in not
they will favour of faysal
claim bank.of dividend and,
remittance
nd is net
ectors’ of Pakistan
resolution tax liability
declaring and must also ensure that the auditor’s certificate to this effect on the application is from a well-known firm
the dividend.
any of the shareholders, a certificate to this effect is invariably produced from the competent tax authorities.
number of service provider/vendor as when the tax is deducted from branches.
ccount on Pan Pakistan basis?
rofit on Deposit, Cash Withdrawal, non-cash transactions and Remittances (indenting commmision) are being deposited in Government Tre
Withholding Tax GL heads
t & crediting deposit settlement account branch wise after receiving confimation of unblocking from FCU.
ettlement account is balanced with the total amount appearing in WHT GL account.
nce & duly signed by Assst. Manager & Manager CPU to authorize the branch for issuance of pay orderr.
converted into PKR for submission to SBP and CPU shall intimate the total amount of FCY tax currency wise to treasury within agreed timel
rder in favour of Government Treasury in respect of withholding tax amount being signed by Assistant Manager and Manager CPU authoriz
pared with all the required details?
ax along with the payment challans submitted to SBP or NBP.
been received from SBP or NBP after two days duly acknowledge along with computerized receipt of WHT. Further ensue that tax received
OM, and the challan and FBR WHT receipt statement are filed date wise for record in safe custody.
chart showing the reporting lines and responsibility of each staff.
e available. Review the job description and for a few, discuss these with concerned staff to ensure that they are aware of their duties and an
partment. Discuss with staff the length of period each has being doing the current task and assess the motivation level.
ed to their duties and progress within the department. Obtain the training records and review the appropriateness of the courses attended.
re available, updated on a regular basis and all staff member has read and updated.
ed by staff in accordance to HR policy.
propriateness
Order. of theof
(Confirmation courses
P.O. toattended
be in place through any mode from beneficiary acceptable).
ause which will change the nature of Bank’s risk e.g. replacing the requirement of Bill of Lading with Forwarder’s receipt, charter party bill of
and approval from CAD (if required), designated officer would then prepare the LC & capture the transaction in System. LC # generated by
T& BS & Head of Ops” and notified to “CRO, P& CEO, Head CIBG & Head CBG(regional).
under instructions issued by SBP under EPD Circular letter No. 2, Jan09, 2018
gainst
omer atthe L/C
any arenot
time held as requiredexceeded
in the RARs
or 15m
SBP and all related charges / commission are debited as per bank’s schedule of charges.
e obtained prior to opening of LC.
% cash margin is held as per the requirement of SBP.
ainst letter of credit as laid down in the Risk Appraisal (RA) or as required by the State Bank of Pakistan should be obtained before establis
of lading/Airway Bill is called to be made out or endorsed to the order of Faysal Bank Limited showing freight prepaid.
plication
d official of the company, signature of which has been verified by the authorized person.
ed duly signed by the issuer and opener. Ensure that commodity, price, beneficiary and amount correspond with the particulars given on app
he documents submitted by the customer and gets all regularities noted have been rectified before opening of LC.
f the accounting entries passed in respect of such LCs and reference of UCP 600 (currently enforce) is mentioned in LC text .
eceived was responded within a maximum period of three working days.
ed by the department and all particulars of each LC application including amendments are entered therein and each application has been a
n daily basis and containing volume of LCs customer wise.
sure that the authority to honour claims was sent weekly for sight LCs and monthly for usance LCs duly signed by two signatories one of wh
import
be of wheat on behalf of the clients SBP approval prior to LC establish should be obtained. Further a report will be submit to SBP statu
send.
uld prepare the LC amendment capture the transaction in System (if required). Thereafter, the amendment request and MT 707 will be forw
of LC, subsequent
pplicant to the of
with the consent month end activity
beneficiary of LCofthrough
previous month bank
advising designated staff will
designated staffreverse the liability
will reverse in system
the liability whichwhich
in system will subsequently be
will subsequen
em and recover the charges.
m advising bank inform to the beneficiary / customer and reversing the LC liability and swift message send to the advising bank..
ain and file the original, signed confirmation slip in respective file.
ore settlement of import bill with other bank against FBL’s NOC, a confirmation of other must be submitted before negotiating the rate with
mation letter or a copy of relayed message and check that funds are credited in the relevant NOSTRO with GOOD VALUE & no deduction.
and trust receipt is duly obtained
onthly
al basis to
exchange the reimbursing
regulations banks
in place, authorizingagainst
the remittance to honor
theclaims of the is
documents negotiating
not madebanks for Bills due
until clearance forthe
from payment during the
SBP/Customs following mon
is obtained
hat a track sheet is prepared by the officer incharge and is approved by the departmental Head for the release of documents.
ts Agent
That details as
messages willtobe
beneficiary,
supervised buyer’s name, description
& authorized by the deskofingoods,
chargeInvoice
/ team amount, unit priceImports
leader / Manager and quantity of goods
respectively asand
per L/C no. are in confor
policy.
designated staff keeps original documents in fire proof cabinets and handed over to respective customer/BS upon settlement of PAD with m
or FIM or in
available through any otheraccount
the customer's credit facility,
at the ensure
time of that upon funds
settlement or thedisbursement confirmation
lines for import from
financing are respective
not available,CAD will perform
the same will be the settlemen
retired throug
discrepant documents for 60-days, designated are the staff advise the status by SWIFT to negotiating/beneficiary’s bank & seek further d
’s signature showing his capacity is obtained for subsequent submission to the SBP and a copy is retained for 3 years as per SBP requirem
o effect the entries and ensure that charges & commission is calculated as bank’s schedule of charges and the same has been approved b
nder review and ensure that the payments effected for import of Spare Parts & Machinery and industrial users for their own use registered a
on the prescribed form (Appendix V31) that in case goods are not received for any reason within the period of four months, the bank as wel
e foreign suppler before allowing advance payment should be obtained.
to obtain performance guarantee from the supplier’s bank.
mport goods against advance payment and underlying contract is cancelled, the bank will impose and recover a penalty @ 1% per month or
y amount with the SBP and a monthly consolidated statement of all such cases will be submitted to the Director, Exchange Policy Departme
utstanding Advance Payments and closely monitor SBP requirement for receipt of shipping documents within 120 days. In case of late subm
ze carefully in the light of SBP F.E manual rules and regulation and ensure regulatory compliance regarding OFAC and CPL.
pare the SWIFT message on applicable format to effect the payment.
or commitment will be authorized in Swift & Symbol by Team Leader. All Financial transactions involve any payment or commitment for amo
ment on import against irrevocable LC upto 100% in vaoilation of as issued by SBP FE circular #6, 14 jul, 2018.
medicines & devices against advance payment or on open account basis shall be allowed upto USD 50,000/- or equivalent per invoice for
00 per invoice on behalf of exporters cum importers for import of raw material and spare parts for their own use only, (As required by EPD C
with the relevant documents, verify the customer’s signatures & also ensure that the required documents as stated in SBP's F.E. Manual and
e scrutinize carefully in the light of SBP F.E manual rules and regulation and ensure regulatory compliance regarding OFAC and CPL.
em and prepare the SWIFT message on applicable format to effect the payment. Transaction captured & SWIFT messages will be prepared
open account basis after 20 Jul, 2018 except manufacturing and industrial user of raw material only. As instructions issued by SBP via FE c
d advance payment are allowed up to USD 50,000/- or equivalent per invoice for import of life saving medicines & devices. However, the lim
l medicines & devices against advance payment or on open account basis shall be subject to submission of a certificate to the Authorized D
priate regulatory/legal action may be initiated
ments as importers, Authorized Dealers may issue
pare parts/machinery,
ontract/purchase without opening
order/proforma of letter ofetc.
invoice/indent credit,
to provided such imports are made by air or by courier. Authorized Dealers will mainta
that the goods mentioned in Proforma Invoice/ Contracts/ Indent/ Purchase orders are freely importable goods .
en obtained before registration.
re
kerreceived by the bank
of the supplier, which had
remittance registered
should be madethe
in contract/purchase order/indent/proforma invoice, directly from the banker of the supplier a
para 17 of this chapter
ember countries, remittances will be effected through ACU
ee shipping
contractsdocuments
registered by them/remittances
from made
an Afghani exporter thereagainst
and in the
get the goods statements
cleared as per Appendices
after attachment of GD(s)V-134, V-135, V-136
with Electronic and
Import V-137.
Form.
ocuments for each shipment from the importer, shall make payment after verifying amount of intended remittance from GD(s) attached with
l particulars of contract are recorded therein.
separate sequential reference number.
ng bank’s schedule of charges has been recovered at the time of registration.
articulars was issued on the format prescribed on (Appendix V-27) by the SBP and signed by the two signatories one of whom should be of
the contract details and identify discrepancies under latest version of URC if any. Designated Officer also ensure regulatory compliance reg
end specifying
stomer’s the discrepancies
letter, Counter guaranteeif&any andReceipt
Trust seekinghave
acceptance from importer
been verified from the through Email/ FAX
list of authorized list directly or through respective BS / RM / b
of the customer or any clause of the text of guarantee exposes the bank financially, approval of relevant Credit Committee is obtained
ill amount is held against the guarantee. (105% or advised by risk or Trade Head in case of sight L/C)
tee it has been cross checked from the shipping news bulletin that the ship carrying the goods has arrived at the port.
guarantee register to ensure that the register is updated on a timely basis with all the relevant particulars on issuance of a guarantee.
made to effect the issuance of the guarantee and ensure that the charges & commission recovered as per bank’s schedule of charges.
heaccounting entries isand
Officer concerned authorized
approvedbyby
the Departmental
the DepartmentalSupervisor
supervisorand
andthe Departmental
Departmental Head.
Head
made to effect the release of the Guarantee
against which a shipping guarantee had already been issued or AWB endorsed earlier, designated staff will retire the relevant bill by debiting
be retired within 5-working days than delivered/ dispatched to customer/ concerned business services / RM / branch/trade hubs respective
d by authorized staff the Original Bill of Lading retained by the Bank and dispatch to shipping company with a covering letter for return of or
er company for delivery of consignment/letter to shipping company or on receipt of original instrument, are the designated staff reverse the
d” on shipping guarantee and file the same in respective folder?.
utstanding shipping guarantees on fortnightly basis in order to initiate action for cancellation of all those guarantees, which are outstanding
T& BS & Head of Ops” and notified to “CRO, P& CEO, Head CIBG & Head CBG(regional).
nk Guarantees issued clearly and unequivocally state the expiry date of the bank’s obligation and the claim lodgment date as required by th
mer.
ayment to a non-resident either in a foreign currency or local currency, ensure that prior approval of the SBP has been obtained.
s of the guarantees subsequent to its issuance are initialed by both the designated signatories under the stamp of the bank.
ed properly outlining all the relevant details regarding the Guarantees issued and is being updated on a timely basis.
made to effect the issuance, enhancement if any, commission and release of the Guarantee and the margin held against such guarantee.
n dual custody of the designated officers/employees and locked overnight in a fire-proof filing cabinet.
y leaving of Rs 1.00 outstanding in case the guarantee issued in favor of beneficiary other than Government/ Semi Government Organizatio
uarantee Maturity report generated by the system on weekly basis as recommended by Manager/TL Guarantees and also cross check the s
rn of original instrument will be sent to the customers whose guarantees are matured?
ment directly from beneficiary or through the applicant, designated staff will reverse the Margin if any and contingent liability accordingly whic
rned after expiry date, three reminders will be served to the customer & beneficiary and delivery confirmation copy of Courier Company mus
d/satisfied guarantee in relevant folder?
mer instruction letter is verified and duly time & date stampedCheck that the signature appearing on customer instruction letter is verified an
complete as per LC and customer instruction letter duly signed by exporter.
scrutinize by two officers carefully in the light of terms and conditions of the Letter of credit & applicable UCP (Uniform Customs & Practice)
y sheet and customer’s consent in writing or over phone or e-mail of discrepancies is obtained.
mittee have been obtained in case of negotiation of documents on offering sheet accompanied by scrutiny sheet containing list of discrepan
ained from FIG and the approval is in place of CCC/ FIG for the banks having ranking over 1500.
s allocated and all relevant particulars are entered therein which is regularly updated.
nt documents, the customer’s indemnity is obtained.
obtained from treasury duly accepted by the customer and ensure that the accounting entries are correctly recorded in G/L and withholding
by the supervisor & department head.
ent to opening bank by courier service within a period of two working days and copies of all documents have been retained for the record du
g Bank, Issuing Bank will advise the maturity date within 5 working days of receipt of documents. If such advice is not received within the sti
and in case of delay compensation should be recovered.
ment of all bills have been received and in case less payment is received the short fall has been recovered from the customer.
paid and transfer to settled section.
having adhesive stamps of the appropriate value (present rate is Rs 2/- per thousand).
ecord and ensure that the same confirms sound financial standing and good reputation of the buyer in case of export on firm contract on DA
ment, the exchange rate is obtained from treasury and accepted by the exporter.
ensure that the withholding tax, EDS, charges & commission are recovered from the exporter as per the bank’s schedule of charges.
resented within 21 days form ‘E’ certification and 14 days from the shipment date.
e prior to shipment of goods.
meinisinapproved
ng ITRS andby the supervisor
submitting to SBPand department
along head.documents.
with following
mer instruction letter is verified and duly time & date stamped.
ointly carefully in the light of terms and conditions of the Letter of credit & applicable UCP (Uniform Customs & Practice), URR (Uniform Rul
he exporter & advising to arrange authority to send the documents on collection basis from respective customer. It must be ensured that dis
ts are made by exporters directly in the light of FE Circular No. 11 of Dec 11, 2017.
through respective Departmental/ Business/Group Heads to the Director, Foreign Exchange Operations Department (FEOD), SBP-Banking
ses of eligible
issuing bank insugar mills for
the shape cash freight
of demand draftsupport against
/ pay order the export
/ RTGS of sugar
Authorized is followed
Officer in the same
at CPU-T&BS shall manner as concerned
inform the defined in EPD Circular
BS / RM Le
/ branc
ures of all export bills outstanding (including partly
e under
h end ofreport.
each month in the prescribed
This statement form (Appendix
will be prepared and willV-19).
be submitted in duplicate for each area separately. The outstanding export bills per
wise totals
owing and the
particulars of grand
those total
casesgiven
whichat were
the end. However,
reported by the statement for the month of June each year should show particulars of all over
s statements
Section), but the items
SBP-Banking are deleted
Services from their
Corporation, Headbooks during the month under report either due to realization of the proceeds or under ins
Office,
rocessed and sent out to the collecting bank within a period of two working days.
presented within 21 days of form ‘E’ certification and within 14 days from the shipment date.
n from the collecting bank within 7 days, a reminder / follow-up should be sent to collecting bank for obtaining fate of the collection.
ance bill adhesive stamps should be affixed.
authorities / bank before the shipment date
d be certified / endorsed from the customs authorities or copy of Goods Declaration Form (GDF) containing the Form ‘E’ number obtain / re
ed by two persons.
in and Triplicate copy of the same surrendered to SBP.
ort shipment notice to be obtained duly certified by customer authority and reported to SBP with monthly returns.
ould be obtained.
y be credited in customer account.
ensure
de by thethat the withholding
exporter and ensuretax, EDS, charges
realization & commission
of export are recovered
proceeds thereagainst fromthe
within theprescribed
exporter as per In
time. thecase
bank’s schedule of charges.
of nonrealization within the pre
exporter or export overdues exceeding the prescribed limit, as mentioned at (ii) above, the T&BS shall discontinue extending the above faci
t OFAC and CPL must be checked and evidence to this effect will be provided by signing on a checklist.
ed from the exporter?
payment voucher verified?.
n TRS. BS/RM/BRANCH would then intimate the customer for negotiation of exchange rate with treasury.
uthorized Officer/ Authorized Officer in the system?
matically) forwarded to respective BS along with proceeds realization certificate for onward delivery to the customer against proper acknow
authorities / bank before the shipment date.
in and Triplicate copy of the same surrendered to SBP.
cher surrender to SBP and duplicate copy of the same was retain in bank record.
ould be signed by the Bank officer / Customer.
accordance with the declaration made on the advance payment voucher.
te (PRC) issued on Appendix V-21) signed by authorized signatories.
m ‘E’ value of Form ‘E’ and remaining / unlisted balance shall be endorsed on the duplicate copy of advance payment voucher.
y be credited in customer account after the deduction of applicable charges.
ensure that the withholding tax, EDS, charges & commission are recovered from the exporter as per the bank’s schedule of charges.
obtaining shipping documents after signing of Form ‘E’.
he shipping documents despite the lapse of 14 days after the shipment or 21 days after the certification, a reminder should be send to the c
n the Advance Payment register and E-form certification register?
ed within a year after its receipt, thereafter, SBP revalidation should be required and advance payment voucher should be marked with suc
, the State Bank on application would authorise issuance of duplicate thereof on the basis of undertaking given by the Authorised Dealer an
e long a proper follow up with the exporter should be made.
of E – Forms should be endorsed at the back and subsequently latter should be submitted to SBP on a monthly basis, accompanied with B
heck the returns & sign the same along with round stamp of bank. It must be ensured that returns are submitted to SBP before third of every
eived
ES during the
to update theirmonth must be reported to SBP via schedule A – 2 / 0 – 2 along with original APV vouchers on a monthly basis.
record.
duly negotiated with Treasury, would be used to compute the difference amount between the booked rate and the current rate while proces
roved by business group to transfer the EFE to another bank, the Authorized staff may transfer it to the negotiating or collecting bank throug
ed staff takes print-out of EFEs from WeBOC and keep in export file for record and FE returns purpose.
nd is not being reshipped by another vessel, approved EFE will be detached by the Customs from the GD Form and can be reused within o
intained centrally at HO, upon request of branches the stock will forward after the entries made in ‘E’ form issuance register with serial no.
red in ‘E’ form stock register and shall be kept in fire proof cabinet overnight.
should be done.
basis of written request signed by the an authorized signatories duly verified by the designated officer and acknowledgment from the custom
oup’s team leader is required to issuance “E’ form to a new customer for the first time.
he shipping documents despite the lapse of 14 days after the shipment or 21 days after the certification, a reminder should be send to the c
dmplete
Exportrecord
Formsof all export forms printed by them and of their distribution to their branches and customers. For this purpose, they should ma
cording therein the particulars of export forms issued and certified by them in respect of each exporter. In this register they should record ag
of margin held against LCs/LGs should be conducted by the designated staff.
security stationery (foreign bills / adhesive stamps)?
number of stamps in the register / log?
ccount after issuance of stamps?
ly / monthly balance of security stationery / stamps on hand?
yection
the department review
raised by SBP thethe accuracy
amount of report
will be and by
paid back submitted
FBL. to relevant authorities before due dates.
d forward the same to the team leader or manager export for signing.
count maintained at SBP, staff will credit the amount of the R&D support to the respected exporter within 24 hours of receipt of credit.
pancies returned by SBP within two working days, the same should be re-submission after rectification within the stipulated period.
nce payment, claim for R&D support may be lodged once related goods have been shipped.
ng tax on export proceeds recovered from the customers have been deposited to Government Treasury on next working day.
pment Surcharge (EDS) deposited in government treasury within the 72 hours from the date of deduction.
OM address to the BM of main branch signed by the Manager Export of issuance of pay order in favour of SBP/NBP. The same should be de
ent on prescribed format issued by income tax department and submit the same before 10th of each month to respective income tax departm
ment and ensure that all relevant stationery / documents are kept in fire proof cabinet under dual custody of senior staff.
uments are kept under dual custody of authorized officers in fire proof cabinet and their backups are senior staff of the department.
nd kept under proper lock & key system.
rds are properly safe guarded and are not accessible by any unauthorized person.
cted and no one shares his password with others.
itted to SBP / Govt. / Management and ensure the same are submitted in time.
dated Generated
encies Entries
for investigation or Report extracted from
legal proceedings thethose
retain system and cross
records with all
for longer the source
period documents / relate
where transactions vouchers posted in
to litigation orthe
aresystem and
required by su
th
ys should be recorded in key register under approval of functional head.
er to avoid receiving excess value.
oid transfer excess value.
id transfer excess value.
id recieve excess value.
oid transfer excess value.
oid receive excess value.
ve excess value.
sfer excess value.
g at all with false invoices.
s Declaration Form/Transport documents significantly varies from the description declared on EIF/MIF, EFE/MEF or underlying contract.
the description of the goods on the bill of lading and the invoice.
ons of the goods is disguised.
commensurate with the nature of the underlying goods – for example perishable goods are traded on terms involving lengthy usance period
hrough unverified channels such as unauthenticated SWIFT message.
ears inconsistent with the exporter’s or importer’s regular business activities.
mmensurate with the size of the exporter’s or importer’s regular business activities.
with the commodity or shipping method
ne or more countries/jurisdictions for no apparent economic or logistical reason.
ng shipped is designated as “high risk” for money laundering activities.
payments from third parties that have no apparent connection with the transaction.
es not commensurate with the risk characteristics of the transaction.
e trade discount offered by exporters to the same importer.
mended or frequently extended letters of credit.
s) does not receive shipment(s) there against.
e of front or shell companies for the purpose of hiding the true parties involved.
of dual use goods.
the technical level of the country to which it is being shipped, such as semiconductor manufacturing equipment being shipped to a country t
n commercial invoice(s) or mentioned vaguely.
ts are provided in photocopies instead of original against the regularity instructions or against normal business scenarios.
al invoice(s) are not proper, incomplete or otherwise not mentioned at all to conceal the facts.
ative countries as per FATF list against the shipment made to a third country.
rom unrelated/third party with differing nature of business from that of exporter.
s shall be done by ADs to keep the risk profile of their customers updated. However, timeline of this review shall not go beyond three years
entity in foreign country of proliferation concern.
or its address is similar to one of the parties found on publicly available lists of “denied persons” or has a history of export control contravent
iness profile, or end-user information does not match end-user’s business profile
from foreign countries other than the country of the stated end-user
s (e.g. companies
esentatives do not have
of companies a high level of capitalization or displays other shell company indicators).
exchanging
oute (if available) through country
ement
laws orofweak
export control laws
enforcement of export
normally export/import good
eak export control laws or weak
transaction, the declared value of the
is the
ade shipping cost
documents and financial flows,
destination
usual etc.or has no apparent
patterns
ction awaiting approval of new account
(e.g. gold)
declared in transactions
to be a commercialforbusiness,
industrial items
s a money-remittance business
oliferation
umentation concern
is nonspecific,
tions (e.g. relating to shipping,
years for predefined neutral risk
dence of the same are documented / obtained from customer.
s effect is held in branch record.(BPD Circular No 23 of 2003)
Refer (BPRD Circular No. 07 of 2011)
on through verisys or bio-metric technology.
customers verified through biometric.
tric is not working and proper reason/ proof is recorded/ retained by the branch. Further Bio Metrics is also required for Mandate and signa
ns (Urdu terms & conditions available separately). The receipt acknowledgement of same is obtained on CRF and welcome letter.
ation/negative NADARA verification. Monthly MIS must be signed by BM & will keep in branch record even if NIL.
ML-01/2014-2001 dated February 06, 2014
ocuments etc. in Braille script. (CPD Circular No. 6 of 2014)
before the end of the following month to reclassify them at least as “Neutral” or otherwise IR or PEP as per the account activity vis-a-vis cu
of the accounts
ysical existence of business
heir remarks with signatures on such report by the RM/BM on the report as an evidence of their review.
ch Nationwide.
e customer through original CNIC and bio metric verification accordingly. For customers living abroad, in order to activate, customer shall sig
plication system and copy of the key value attached with the activation form as evidence to done the same.
acknowledgement /couriered to customers ( in case of company accounts)
uest prior towith
d attached activation.
activation request.
ence of having done so should be maintained for record purpose.
2 dated January 05, 2010.
n of Statement of Account should also be stopped.
ained at the time of activation to parent branch for their record.
ccount number wise as a permanent record in the custody of Branch Service Manager. All certificates relating to each pensioner should be c
sking
py of them
whichtowill
submit the Life Certificate
be maintained or No-Marriage
in customer’s Certificate
account opening file. on timely basis. Branches will conduct follow ups on weekly basis.
nable account
the same andofficer to stop
no debit pensionwould
transaction payment and branch
be allowed till theintimate the personally
pensioner same to the pension authority
approaches through
the branch a letter asthe
and presents required.
dormant activati
Funds will only be released upon receipt of succession certificate / instruction received from accounts office.
sed after receiving required instructions from Accounts Office. All other formalities of opening pensioner’s accounts will be observed.
ver to respective AGPR regional offices through pay order along with covering letter & detailed statement. It is clearly mentioned that funds
AGPR Sub Office i.e. (name of office from pension funds were received). The frequency of this exercise is on monthly basis. ROMs are also
021) 111-727-273 (021) 32453555
ertificate of unmarried daughter/sister/widower/widow, biannually in April and October every year (BC&CPD Circular Letter No 03 dated 18-0
as credited by the branch/CPU in the pensioner’s account held at own and other branches.
be maintained as evidence?
GPR office for reconciliation of Pension disbursements?
conduct the annual review in January for follow-ups & update of expired CNIC/NICOPs through their personal contact numbers / upon bran
er ? (BPRD Circular Letter No. 07 of 2014)
for all accounts to identify those accounts which are having zero balances & inoperative for the last three months.
of deposit in the account as per the current minimum balance requirement for saving & current accounts.
nk will close the account.
a new account to be opened in his/her name and all fresh required documentation as per the account opening procedure to be obtained
ount blocked after six months from the minor attain his age of majority
oint signature of guardian and the minor upon proper identification. In case of PO issuance, PO will be issued in favor of the Minor who has
y BSM or his/her backup under his /her full signature.
uring this period and forwarded to branch operation for onward submission to AMU.
ating in system.
ccounts of Government employees categories?
arranged to deliver to customer against acknowledgement.
pdating their addresses
WAU/return mail.
t must be signed by all account holders). Customer's signature must be verified against those on record & notification to this effect will be p
e customers.
e in/ out& also record withdrawal and deposit of cash (denomination wise) in vault cash register and affix their signature jointly and then Joi
sh assigned physically to each BSO (s).
d employees as per the bank’s record.
s Blanket Insurance Policy). This should be done in the care of two bank employees (excluding contractual staff).
e of cash shipment for other banks along with MT 202. Annexure 4.5.K will be referred for procedural details.
to Treasury & get it signed by the authorized signatories registered with SBP/NBP.
. The genuineness of the security guard’s signatures and photo identity must be ascertained from the list of Security Company’s authorized
ed to SBP/NBP’s respective office. Date & time allowed by SBP/NBP for deposit will be noted.
gtertowhere we areinnot
its break-up maintaining
terms relationship with peer bank) will be prepared highlighting the denomination and type of cash (soiled / sorte
of denominations.
ch packet of old notes. In case of new packet branch stamp should be affixed.
ng day of each month to the designated officer at head office for compilation and record keeping.
d in case of new packets.
ment requirements except of the branches which are exempted from this condition
ubmission to SBP.
authorized person combinations are immediately changed.
n to the Area Operations Manger?
change and refund the value of such currency notes was not displayed non compliance of SBP notification IDD/1425/2(18) A-2014 of Septe
e of new packet? (Master Circular No.1 dated March 05, 2004)
ircular No.12 dated Oct 19, 2011);
cash to BSM/head BSO through system as well as physically.
h position (blotter)
ded by the branch to respective AOM/ROM under advice to respective Head of Operation on the following day.
ng Guidelines)
ough signatures on Vault Access Register & Cash Vault register.
on the transaction execution day/ same day
idated report to SBP with-in five days of the commencement of shut period. (PBD / U-1-(A) GA / 6967 / 132 / 2011);
the system later on.
must be mentioned on the branch copy and the customer slip must be handed over after affixing 'CASH RECEIVED STAMP’ duly signed b
ger through e-mail for information.
the account holder.
osited and collected into the account of the beneficiary.
ense & employment card etc.? Also ensure teller affix “Transaction Posted” stamp.
ers / walk-in-customers or where such person is conducting transaction on behalf of an account holder. But where transaction amount exce
eque as per defined threshold in Branch Banking SOP. Same practice should be followed for lesser amount of cheque in case of any doubt.
he drawer over Telephone #……….with (name of customer) of (name of company) at (time) on (date).
ng branch. No call back will be done post transactions. CBC for remittances will be sought as per limits defined in SOP. Documents are onl
s 0.5 million whether carried out in a single operation or in multiple operations that appear to be linked?
k-in-customers or where such person is conducting transaction on behalf of an account holder?
e transaction execution day/ same day
ith the period mentioned in retention schedules for different type of records
s on deposit slips
PNDR” & “PNCR-float” accordingly to process transfer transactions in beneficiary pensioner account.
er verification
eceiving and its being ensured that account has not restraint of dormant/ WAU?
ts Unknown then OM/BM approval is suffice
outward
realise cheque
clearing return
once register
return and copy
confirmed from of CNIC of authorized
NIFT/SBP/NBP etc. representative also obtained.
e sent to customer through courier.
ain triplicate copy for record purpose.
rument to CPU for processing.
ent in other currencies & being converted in PKR).
e drawee bank or to the drawer immediately, but not later than 72 hours from the date of receipt of such cheques in the bank? (BPD Circula
erations/business day.
business
in intracityday.
and intercity clearing on T+1 and T+4 days respectively.
within 31 days of lodgment of instrument.
vailable will place drop boxes inside the branch.
days under joint custody.
d, (i.e. favoring educational institution where purpose of payment is fee etc.).
n case of partnerships and companies debit authority should be obtained on company letterhead.
talled) the same if otherwise in order.
ed. i.e. 500,000
& acknowledgment obtained on the request letter/FTAF form.
the processing branch.
may not exceed 50% of fee / dues or Rs 25/- per instrument whichever is less.
uired details of draft (i.e. Draft number, date of issue, name of beneficiary, amount, purpose and drawee branch, issuing branch, Draft purch
nding / Unclaimed DD payable account upon written approval of BSM.
y steps have been taken for effecting such debit.
ardized form (4.3 H)
y orders & balance thereof should be cross verified with balance appearing in GL.
n main vault or strong room.
custodian & Branch Service Manager.
y) are allowed for priority banking
ure and picture scanning in Symbols via Seibel account maintenance screen. Signatures & picture attached to specific locker by the branch
ard, Mandate, Safe Deposit Box (Lockers) Issuance Register etc.).
howing Safe Deposit Box (Lockers) number, date and reason for change.
dy in fire proof cabinet.
due; branch will send MIS to Head Retail & Head Operations and if all lockers are occupied then force break open process will be initiated
ne should preferably be an advocate / Notary Public on the approved panel of the Bank besides the Branch Service Manager of respective
o check incorrect filing.
ble) and lockers application form performed by the branch?
of the locker?
sit Box (Lockers).
ported within the time frame it will be considered as branch does not have any discrepancy.
r, during the day it can remain with the designated delivery officer.
owledgment obtained on register
ill be verified and copy of the same will be marked original seen under the name, initial, date etc. by the designated delivery officer. Further
he date of receipt of card in branch.
d notation of this be made in ATM issuance register.
SBSO and designated BSO.
custody. In case no branch available it should be kept in the nearest other bank branch locker in a sealed envelope under joint custody.
should avoid making photocopy of the roll for filling purpose.
rd activity in the ATM vicinity instantly.
hair users (CPD Circular No 02 dated 13-02-2014)
Evidence of having done so should be maintained for record purpose like letter copy, related identification documents and courier receipt.
horization and return to the card holder is within prescribed period after proper verification.
union pay debit card.
o half and shred the card at their end.
or immediate resolution.
earest branch of issuing bank.
be immediately reported to FRM unit. It should not be returned to card holder in any case.
entertained without the physical presence of customer and a declaration to this effect written and signed by customer (if individual /propriet
vidual or on company letter head in case of entity and process at their end after obtaining the approval from ROM & RGM both.
BSO to confirm the authenticity of the request prior to processing. In such exceptional requests require specific approval of RGM & ROM wi
bossed watermarks through UVL.
he reason as to why the customer cannot approach the parent branch to collect cheque book.
by receiving officer. Whereas requests are received through customer’s representative (instead of the customer personally) the name and
umber of the cheque issued) done in the CRF/ARF copy/requisition slip/ letters.
holder clearly nominating the representative and attesting his specimen signatures.
er obtaining approval as per exception matrix.
solutely necessary for certain customers the Branch Manager or in his absence Relationship Managers only may personally deliver the che
em given register number only. If contact is not established then in such cases cheque book can be delivered to representative upon writte
initial, date etc. of branch delivery officer.
cheque book can be delivered to representative upon written approval of concerned branch manager. In such cases, respective BSM / SBS
n “This cheque book is not yet activated”.
to branch as per the operating instruction.
ad / Manager Operations.
h proper notation to this effect on register.
ng their address.
ile during the same are with designated custodian/BSM.
ched with client requisitions. Also check the stop payment restraint (SCI) marked in system previous day.
delivered cheque books are activated in system.
are delivered or destroyed.
two halves. Remaining cheques shredded.
heque book issuance? (CPD Circular No. 2 of 2013 dated May 09, 2013)
ed by two designated officers one of them must be BSM/SBSO, and filed accordingly.
ified and marked cancelled.
ased Account".
via email where the another account is maintained. In such cases where customer was maintaining more than one account with bank, stat
mber should also be provide to CPU Account Maintenance for unmarking of service charges etc.
of indemnity on prescribed format.
mers signature .
rough courier on the same day to customer’s address by the concerned staff.
spective branch if stop payment is being removed on behalf of another branch?
4.3.11 (4&5) of SOP followed?
d person
name, against
initial, acknowledgement?
and date etc. notation should be mentioned on CNIC copy.
he date of receipt of request. Courier charges as prevailing in current SoC will be recovered from customer’s account.
ount/statement expeditiously received from Foreign Missions, Embassies/High Commissions and any other relevant office for visa purposes
n working days from the date of its receipt? (BPRD Circular No. 06 of 2010 dated May 17, 2010)
ly or through debit to his/her account? (BPRD Circular No. 06 of 2010 dated May 17, 2010)
through courier/fax or by hand delivery?
fined TAT( 7 working days)
ay orders & balance thereof should be cross verified with balance appearing in GL.
The receiving officer shall affix the receiving stamp on the written request and verify customer signatures.
expenses, mark-up/service charge recoverable, Qarze Hasna for marriage, and forward cover fee, shall not be classified as Suspense Acco
d Head of Safety and Security
in branch opening & closing register.
on the branch notice board. The names and contact numbers must be immediately updated in the list in case of any change
is provided, should remain switched on inside and outside the branch during the night.
close of business.
ad Operations and the security company for branch opering on holidays.
the day or night through a situation incident Report (SIR) on the prescribed form (Annexure-VI) and record of all serially numbered and date
s only be used for security duty and no other work be taken from them.
guard is transferred from a branch can be reposted on the same branch after two months.
hat same is recorded in the register.
e previous password or security codes?
uted together with the security company. Log of surprise check be maintained with the branch for audit trail with the detail of Security Guard
rovided, remain switched on inside and outside the branch during the night.
east five years.
ncerned Area Manager jointly under jointly under intimation to the Head Security and Safety, Head Centralized Ops and the security compan
ent Team. ID creation, deletion and addition of roles requests. Also Obtain list of staff turnover during the audit period.
ore than one day from work, shall be accounted for by taking Privilege/Annual Leave
ing the employee’s inability to attend office.
with Head of HR.
per HR circular dated: 11-04-18.
t Category only) with prior consent of account holder and convey him T&C for Asaan account. Notice to this effect will be pasted on notice b
will not receive or exchange and refund the value of such currency notes. (SBP notification IDD/1425/2(18) A-2014 of September 2014)
ircular Letter No. 03 / 2018
MS FUND ARE ACCEPTED HERE”. displayed in the branch
ulation M-3).
son and make arrangements of separate counters for pensiners/senior citizens//special persons (In terms of BC & CPD Circular Letter No
y action where required
n” on
hes the basis
(where of respective
signature BM
differs) & in /case
OM approval.
fate is not received by 12:00pm the same will be returned to NIFT / SBP. BM or Regional Manager is
eived within 30 minutes from the time it was sent by CPU. In case confirmation not received from any branch within 30 minutes, CPU will p
vailable in the account.
all returned cheques will be entered in branch wise excel based cheque returned register.
ot honoring the cheque and the same will be signed jointly by CPU officer along with Assistant Manager or Supervisor of CPU.
anch / officer report and pre-consolidated report to identify the difference.
carried out.
en, only then clearing is balanced.
to settle the difference in inward clearing account ue to cheque returned after clearing hours.
nager / Branch Service Manager of cheque presenting bank over phone to hold funds in beneficiary’s account to avoid any possible losses
ust be signed by the Manager CPU with authorized signature number.
nward RTGS account & credit respective settlement account.
mal clearing account will be credited by CPU.
ned on branch’s IoM.
arty Module of SYMBOLS 8.5. (There is no transaction threshold of amount while processing through upload)
g transaction type CROC on required format on account of cheque returns for outward clearing with CQCR transaction code and execute th
r are posted manually. Check whether all such manual postings are authorized by CPU supervisor as per transaction limits.
istant Manager of CPU, Clearing.
RTGS with a consolidated amount.
es transactions in the system.
on FBL internal portal on the same day of return of instruments.
nd genuineness of the same day transactions respectively.
ed limits.
CPU- This must
Clearing be, without
supported exception,
by his/her performed
full signature. daily. all suspense accounts must be monitored on daily basis.
Moreover,
by respective branch.
h riders under acknowledgement in cheque return register.
l Wednesday will be lodged on Thursday
orized signatories
aring stamp cancellation
anch for rectification of advised discrepancy through courier/by hand delivery to representative of the branch.
TWARD CLG SETTLEMENT NORMAL account with net USD Clearing amount .The same will be reported to Treasury (TBO/TFO) on date o
MT 202 for debiting Islamic Nostro Account.
he NIFT authorized representative and copy of the same will be filed for record purpose.
time
M interval for
containing password
payment protection
details reason.format provided by SBP. (i.e. details of beneficiaries, remittance amount, remittance key, mode
as per agreed
or Exchange company.
soes AML/KYC is performed for FBL a/c holders.
& Address) from remitting bank.
they
ny may report
/ Remitting the incident to AML Team for guidance. Exact Match transaction will be reported to AML team as per CAAML Procedures a
bank.
04 of 2009).
ned in RDD.
n 24 hours on receipt of return mail.
essed on the next working day.
her Credit would require data repair will also land here. And the same shall be communicated to respective Exchange Companies / Foreign
STR immediately after processing of the transaction. Transaction should not be stopped to avoid tipping off to customer that an internal inv
ective of commercial nature should be reported to AML Team as internal STR immediately after processing of the transaction. Transaction s
y was obtained prior refund to the bank/exchange company.
e verification, UV in case of cheques amounting to Rs. 100,000 & above, beneficiary details, call back confirmation where required as per t
saction for authorization and cross checking by the authorizer
n, ULV in case of cheques amounting to Rs. 100,000 & above, beneficiary details, call back confirmation where required as per threshold de
proper stamp and signatures of the discharging authority obtained.
verification, ULV in case of cheques amounting to Rs. 100,000 & above, beneficiary details, CBC etc where required as per threshold defin
tioning the required details of DD
beneficiary details & CBC whereever required.
heck box for printing all instruments of the respective customers.
btaining acknowledge on the printed report.
ompt error that this cheque cannot be cleared and needs to be re-validated.
er the customer’s request received in the system
urity stationary register.
l name of the applicant / beneficiary
ely filed based on registration number wise in box files and kept in fire proof cabinet under dual custody at the end of each day
e by debiting DSC/SSC Sale Account and does Treasury also be reported with the same amount
month after completion of 90 days
esh indent.
mpletion of one year & six months for DSCs & SSCs respectively.
m investments(Principal plus profit) since July-2015 including investments of Rs 150,000/- and below since after 1/7/2013
lled in all respects.
based stock & sale register & on the application form and print out of excel based record on fortnightly basis will be maintained duly signed b
e and full name of the applicant / beneficiary.
and initials on issuance application
r of CPU for his verification.
issued certificates and mark their initials on the customer application.
courier services (where required) to the attention of Branch Manager or Branch Service Manager of concerned Branch on the same day of i
ending / handing over original certificates to the concerned Branch / authorized representative of concerned Branch (based upon production
ely filed based on registration number wise in box files and kept in fire proof cabinet under dual custody at the end of each day. At the end o
Office as per the format (annexure A) along with SBP Cheque by debiting DSC/SSC Sale Account. Treasury will also be reported with the sa
ntion of Branch Manager and Branch Service Manager of respective Branch mentioning the specific reasons for returning the issuance app
bed form (Anx F) and succession certificate in case of deceased customer.
rom the issuing office on completion of certain requirements. Test formalities including copy of FIR were obtained for value exceeding Rs
shment form.
hsement form "annexure B". Further IoM signed by BM/BSM also held in record.
case where credit will not have breakup detail of claims, same will be processed upon receipt of credit advice accordingly.
re not under lien, having duplicate status, signature on back of instrument matches with the signature on the face of the instrument and care
ace Value) of the SSC and in case of cumulative value of DSC
enchashed by transferror during the tenor and are retained in record file of tranferor.
U has assured customer signatures verification by respective branch.
ctive register.
h wise under dual custody.
rted by appropriate approvals as per Approvals matrix, but the KYC/CDD measures including the documents for such person will be done e
ent and customer signatures on application. Test same have been verified by the authorized signatory of branch. Test in case of TDR reque
ensure that customer’s account mentioned does not contain any restraint such as Dormant, or Where about Unknown (WAU) etc. and suffi
ached with the applications.
he presence of customer and affix stamp of thumb impression verified and must confirm customer in presence (CIP).
his initial
able as evidence.
in Bank's records and all dispatch records will be maintained accordingly. CPU TDR shall also inform details of all returned TDR advice
ective Branch
ed Operations is provided by the Branch.
se in order.
uch request which will be later on stamped as “duplicate” by branch before delivered to customer.
marked in Term Deposit Account.
s instruction are kept in CPU record.
erm deposit will be sent to CPU, TDR through fax/email/scanned copy) before one day or maximum on the same day from the date of renew
next working day after execution of transactions
the hard copy and the same will be sent to CAD through courier or by hand delivery on the same day.
ure on premature encashment instructions must be duly verified by the authorized signatory of the Bank at Branch level. (BSM/SBSO)
ment with initials accordingly.
orporate/Commercial.
ent by CAD/CIU to CPU Term Deposit through an email along with settlement instruction for pre mature encashment
concerned supervisor for initials thereon.
Roll over/ Renewal in system
AMU in system (using 0100 Ids) on TDR account equivalent to TDR amount and same the confirmed to CAD via email by CPU TDR
oved by respective Regional Manager & account will be marked as IR.
ve for filling
fication after issuance of TAN?
and Board Resolution?
rvices. Copy of Letter of Thanks must be attached with relevant CRF and maintain Proof of Dispatch for record purpose. & entry to this effe
le at given address etc. Concerned Assistant Manager or backup officer of Account maintenance would first cross verify the customer's add
te address to CPU, Account Maintenace having customer's signaturere(s). After putting a notation to this effect on the returned letter of than
orrected the error for onward dispatch to respective customer?
omer(s), update / enter new address in system, prepare Letter of Thanks with updated / new address and send the same at custtomer's upd
ature Cards (where applicable) along with relevant documents and duly signed Account opening reports in chronological order on daily bas
anch Manager or Regional Manager of respective Branch, copies of required CRF, Specimen Signature Cards (where applicable) and releva
marked as FBL office)
o mark address field (CBS) as hold mail after dispatching of LOT at customer given address & all hold mail cases will be marked as Increase
be captured in NIN field with issue date as "birth date" & valid up to date as "age of majority" will update in system in MINOR category. (NM
een. (This is required to waive Zakat deduction on Minor Account if Guardian Client is eligible for Zakat). After attaining the age of majority th
ne month. If the formalities are not completed, the account will be blocked after six months the minor attains his age of majority. The second
unt, AMU to generate and dispatch a letter (Annexure 4.11.E) on the account holder's corresponding address appearing in Bank's records a
nor account is automatically blocked after 6 months from the date the minor attains majority.
er applicable category.
policy document 2.1.3 (c) are followed by AMU.
ance date of these certificates)
to follow-up with the customer for timely submission of the required certificate.
customer fails to submit Life Certificate or no-Marriage Certificate to the bank or pensioner fails to draw pension for consecutive six months
ng due so that the branches can follow up with the customers on timely basis.
eirs Pension transferred to other places Pension stopped/restored Pension discontinued Pension amended
olved within six weeks
ensioner’s account
rmant in a month
respective Branch through approved courier services or by hand delivery to CPU, Account Maintenance for further processing.
ments for completeness. Any discrepancies if found would be intimated to the respective branches for resolution. After satisfaction, designa
settlement account Currency wise. Tax on non-cash transaction will be deducted (where applicable).
g the day and signed by the respective Supervisor and Assistant Manager CPU, Account Maintenance.
/ CLA forms, SSCs and relevant documents (attached with the CRF) and system generated reports in chronological order.
f cabinet at proper place as permanent record.
stomers are enclosed with IoM.
d and consideration shall be given if the circumstances are suspicious so as to warrant the filing of an STR.
lts of any analysis undertaken (e.g. inquiries to establish the background and purpose of complex, unusual large transactions) for a minimu
s required by court or other competent authority
Symbols and in Client File on receipt of the same from the branches. Moreover, CPU will ensure data completeness/ accuracy in details of
Account in system
ant docs and complete the requests for onward filling in separate branch wise file for record.
e removal of previous signature may be accepted by the Bank. RGM approval is required for change in signature. However, Authorized sign
deletion and copy will be retained as evidence.
as that of mentioned in the relevant request should be attached with the customer request / Change in Detail Format.
dment requests as checker.
address. Copy of the same will be filed with the relevant documents.
nge in spellings copy of Passport, Domicile, Driving License, Educational certificate duly marked original seen would be required.
al document.
8 of Partnership act 1932.
ocument will expire in coming month and share data with ADC Ops to send SMS as reminder for submission of renewed identification docum
d during the preceding month.
of CNICs of all these clients for indefinite time period in the system as 01/01/6500.
ated and sent to the customers through approved courier service.
ceding quarter.
days of year end
avit duly signed by the mandate/ POA holder on stamp paper of appropriate value as per provincial law (annexure 4.1-CC(i) & (ii))
r. In case of difference in signature, branch will also obtain an undertaking from the Mandate/POA holder. Further, process of due diligence
y, the same will be communicated to branch via email for rectification. Documents will not be returned if the discrepancy can be rectified with
ete the signature from system and sent confirmation to branch operation.
an agreement / confirmation received signed by the all account holder
South or North/Head of CIBG)
the same in the system.
KYC of supplementary customer would also be submitted. NADRA Verisys, Negative check list and anti-money laundering measures woul
must ensure to dispatch the original applications through approved courier services / branch riders on the same or very next day.
and CPU should retain copy of the form for their record purposes
DC Ops for sending of SMS to those customers whose accounts remained inactive for the last eleven months (five months in case of pensio
to ensure 100% SMS forwarded to customer and share SMS forwarding confirmation report with CPU.
customer is not available in system generated report, a letter on approved format will be sent to customers on his/her available correspond
ounts only) to send SMS to customer on his available contact drawing his/her attention that the account has been inactive for last 1 year &
mant account to ensure that system will not deduct minimum balance charges & stop generation of statement of account on next cycle date
ected in above report as reactivated from dormant.
the dormant status will remain unchanged
e of customer initiated credit entries in accounts
e in system. Upon receipt of the above AMU LHR will update the CNIC expiry in system accordingly.
o all such customers on prescribed format.
proprietorship accounts only).
, mode of request recived mentioned, BSM's full signature affixed, amount being expressed in words & figures, call back performed by BSM
uplicated in error?
with the scan/fax copy sent by branches?
by the branch.
ceived forwarded by branch through IOM for their necessary updating in system.
e number of instruments and deposit slips physically reconciled with that mentioned on branch’s IoM and subsequently affixed receiving stam
h CQCC transaction code/ same executed through upload option in Third Party Module of SYMBOLS 8.5?
ption using transaction type CROC on required format on account of cheque returns for outward clearing under Third Party Module of SYMB
m NIFT same day?
h NIFT clearing sheet?
me day of return of instruments?
ective checker, supervisor, assistant manager/ manager on the hard copy as per assigned limits.
signature and all suspense accounts monitored on daily basis?
basis of respective branch manager/Branch Service Manager’s approval?
l returned cheques will be entered in branch wise excel based cheque returned register.
sealed bag and handed over to NIFT representative?
rn memo to Collecting bank while keeping original in their dual custody.
eques to verify the number of cheques mentioned on the IOM
osting the transactions, it must be ensured that posting should be done upon realization of intercity instruments.
que Returned File?
es view on account of Outward intercity cheques returns for necessary action at their end
morning of next working day?
FT is unavailable)?
n MIS along with recording of cheque returned details in remarks column?
ranch/officer/BT electronic journal report?
anch rider / branch authorized representative after obtaining proper acknowledgement?
er section 36 of PS & EFT act 2007.
mplaints shall be resolved within thirty days from the date of receipt of complaint
anager of the respective SBPBSC office
y allotting FOBC reference number along with cheque #, amount, beneficiary name and reimbursement instruction (FBL correspondent ban
ch field blank where instrument is deposited in PKR
e/corresponded bank along with original instrument in a sealed envelope. Acknowledgment of the receiving officer of GSD should be obtaine
along with date of payment and initials.
heques from COC Register which should be matched with GL
and genuineness of the same day transactions respectively. Evidence of having done so will be provided by signing respective checker, sup
n in the CPU during the night.
ead and Head CPU jointly under intimation to the Head Security and Safety, Head Centralized Ops and the security company.
ement Team. ID creation, deletion and addition of roles requests. Also Obtain list of staff turnover during the audit period.
east five years.
e with Head of HR.
nding pay orders & balance thereof should be cross verified with balance appearing in GL.
is through safewatch screening system
the CPU, Remittances to Treasury Front Office within the agreed timings b/w CPU & Treasury
with the outward remittance application in system (FT Module). CPU would debit customer account & credit respective settlement account
y CPU Officer and Assistant Manager/ Manager of CPU, Remittances
cation for outward remittance will be filed and kept at an appropriate place under supervision of respective Supervisor or Assistant Manager
CPU, Remittances through User ID report/daily transaction report on a daily basis. A confirmation of having done so must also be noted on
o be received from Swift Operations Department, Head Office through e-mail on the next working day of execution of each transaction.
Manager CPU, Remittances and ensure that same are kept at an appropriate place under lock and key at the end of each working day
acer (MT - 199/195) to the remitting bank enquiring about the relevant details under intimation to the Branch Manager and Branch Service M
ch Service Manager of respective Branch through fax or e- mail (as scanned copy) for information and required action
) must be thoroughly checked and verified by designated officer/respective Assistant Manager/Manager CPU, Remittances through User ID
n accordance with SBP FE circular no. 4 dated 22.8.2009 or any other amendment time to time
oroughly checked with KM report for all inward remittances received on the next working day to avoid any possible duplication. A confirmatio
CPU, Remittances must be carefully filed and kept at an appropriate place by the designated staff of CPU, Remittances
eparate Schedule IRV on a daily basis in an accurate manner
stomer profile form / KYC by branches
ng Unit (CPU), Remittances functioning under CPU only for Inward and Outward FCY Remittances (MT 103) processed by CPU during the
ch month would attach Form R, IRV, and Form M with Schedule S-1 for onward submission to State Bank of Pakistan
bsequently sent through an e-mail to the concerned staff at Treasury Back Office, Head Office within banking hours latest by 3 rd of every m
g letter to State Bank of Pakistan must ensure that clear and complete photocopies of all forms along with relevant Schedules and covering
es of forms and relevant Schedules of particular month
ed is incomplete a telex/letter should be sent
mittance not mentioned.
r is not responded CPU,
by the remittance
remitting Bank shouldd sendworking
within seven a tracerdays
(MT 199/195) to the
from the date remitting
tracer bank.
is sent by CPU, Remittances.
cerned branch if otherwise in order.
uivalent of other FCY
cy or conversion to respective
in PKR (≥ $ 1,000/-branches through
or equivalent) to email advisingbranches
all respective them to confirm that
via email the amount
advising them of
to inward is in with
coordinate accordance with
customer forthe cu
excha
lent in other FCY supported by the scanned copy of Form “R” (Where Applicable) via email duly signed by the customer or signed by BM/B
e respective supervisor and AM CPU.
tion of branch CPU process the transactions as proceessing the transactions will not change the restraint status of account.
tances are thoroughly checked with KM report for all
sor would immediately send SWIFT message MT-199/195 to remitting / correspondent Bank to confirm the credit that is appearing in Nostro
e CPU, Remittances is located).
h forms and exactly matched with nature of transaction and codes provided by State Bank of Pakistan.
m time to time on the same day, such transaction would be processed by CPU, remittances on the next working day subject to receipt of the
ates for each
f of CPU, transaction
Remittances in within
system the agreed
from timings,
SWIFT and Upon
message receipt
or based upon ofinformation
required information from respective
received from Treasury, respective officer / Assistant
Branch (Description Ma
field). Thes
n accordance with SBP FE circular no. 4 dated 22.8.2009, or any other amendment time to time. (F.E. Circular No. 16 dated December 17,
RS) and ensure no operational error is made by the user
nager CPU, Remittances and ensure that same are kept at an appropriate place under lock and key at the end of each working day.
entioned in Circular # 14 of Foreign Exchange) and must be processed on the same day.
h Manager should approve any debit transactions.
rubber stamp should be obtained..
accept wire transfers without having of IBAN.
ntrol (OFAC) List.
basis through safewatch screening system.
pervisor and AM of CPU.
n of AM CPU.
ort on daily basis and also signed by AM CPU.
es
nd would
SWIFTcross checkMT195
message the same with Outward
or MT199 FCY
to Nostro Remittances processed
/ correspondent at CPU
Bank enquiring for completeness.
about the missing transaction.
15,001 approved
transaction by codes.
& SBP Manager CPU
user. Any operational error or mismatch found in the data entered in system must be appropriately handled and rectified;
ant Manager CPU, Remittances and ensure that same are kept at an appropriate place under lock and key at the end of each workingday.
oval from Heads of respective department.
Circular Letter No. 07 of 2017
ng with justification and documentary evidence for consideration.
,
cation is from a well-known firm of auditors.
ing deposited in Government Treasury within the stipulated time/period. (Profit and remittances on Monday & on cash withdrawal on Tuesd
e to treasury within agreed timelines.
ager and Manager CPU authorizing the branch (where CPU is located) to debit the amount and issue a pay order.
T. Further ensue that tax received stamp of SBP along with the date of receipt is present on the challans.
are aware of their duties and any changes in their responsibilities have been formally noted to them. The job descriptions should also state
ivation level.
eness of the courses attended.
der’s receipt, charter party bill of lading, blank back bill of lading, short form Bill of lading, all discrepancies acceptable except unit price and
on in System. LC # generated by the system and other detail will be noted on a file & all relevant papers pertinent to the LC will be put in the
er bank’s schedule of charges.
hould be obtained before establish the LC.
with the particulars given on application. Also ensure that the indentor holds registration of the EPB.
ntioned in LC text .
and each application has been assigned unique identification number in sequential number.
ned by two signatories one of whom must be A signatory.
eport will be submit to SBP status of LCs opened on daily basis.
request and MT 707 will be forwarded to Desk In charge / team leader/Manager for verification/authorization of transaction in System.
ystem whichwhich
y in system will subsequently be verified
will subsequently & authorized
be verified by Desk
& authorized In charge
by Desk /team/team
In-charge leader/ Manager
leader/ Imports
Manager as perasauthority.
Imports However, liability
per authority.
o the advising bank..
before negotiating the rate with FBL ‘s treasury for settlement of import bills.
GOOD VALUE & no deduction. Transaction to be processed only after receipt of funds/or approval from CRMU and FIG.
ayment during the
SBP/Customs following month.
is obtained
ase of documents.
goods
vely asand
per L/C no. are in conformity with that given on the L/C.
policy.
S upon settlement of PAD with mark up against proper acknowledgment.
ee,CAD will perform
the same will be the settlement
retired throughtransaction.
Overdue Import Bills financing at a rate advised by RM/Unit Head.
neficiary’s bank & seek further disposal instructions. Documents will be returned to remitting bank if no alternate course of action is advised
for 3 years as per SBP requirement/checking.
the same has been approved by the Departmental Supervisor and the Departmental Head.
ers for their own use registered as importer up to the maximum limit of US$ 10,000
of four months, the bank as well as the customer will ensure repatriation of the advance payment backe.
ver a penalty @ 1% per month or part thereof on the amount of advance payment from the date of remittance till date of repatriation of adva
ector, Exchange Policy Department.
hin 120 days. In case of late submission of shipping documents, designated staff will recover the penalty and act as per SBP regulations.
g OFAC and CPL.
payment or commitment for amount greater than USD.0.250 Million will be duly approved from Manager(s).
00/- or equivalent per invoice for life saving medicines and devices subject to submission of a certificate to the Authorized Dealer issued by t
use only, (As required by EPD Circular Letter # 01 dated January 01, 2019).
stated in SBP's F.E. Manual and circulars are enclosed therewith.
regarding OFAC and CPL.
WIFT messages will be prepared and authorized as per authority.'
tructions issued by SBP via FE circular no. 7 . Dated 20 Jul, 2018.
cines & devices. However, the limit for imports against advance payment or on open account basis for essential medicines and devices sha
f a certificate to the Authorized Dealer issued by the principal of a teaching hospital in public sector or head of a Government specialized ho
r. Authorized Dealers will maintain a record of all such drafts issued by them. They will also obtain Exchange Control copy of Bill of Entry an
rom the banker of the supplier abroad, Authorized Dealers have general permission to make such remittances thereagainst.
V-135, V-136
lectronic and
Import V-137.
Form.
ittance from GD(s) attached with the respective Electronic Import Form.
tories one of whom should be of A signatory.
ensure regulatory compliance regarding OFAC and CPL.
or through respective BS / RM / branch.
edit Committee is obtained
on issuance of a guarantee.
bank’s schedule of charges.
retire the relevant bill by debiting margin account or remove lien mark on customer‟s account after redemption of shipping guarantee follow
M / branch/trade hubs respectively keeping one Original BL with the Bank in case of shipment by sea.
h a covering letter for return of original guarantee instrument.
the designated staff reverse the liability in systems which should be verified & authorized by desk incharge / team leader or manager import
arantees, which are outstanding for more than 30-days. This could be due to non receipt of shipping documents or delay on the part of the s
lodgment date as required by the SBP regulations.
BP has been obtained.
amp of the bank.
n held against such guarantee. Commission & charges recovered as per bank’s schedule.
nt/ Semi Government Organization. Ensure that liability of guarantees issued in favor of Government/Semi Government Organization is reve
ntees and also cross check the same with the report available on KM?
ntingent liability accordingly which will subsequently be verified & authorized by team leader / manager guarantees.
on copy of Courier Company must be file as proof for dispatch of call letter for original guarantee instrument.
er instruction letter is verified and duly time & date stamped.
P (Uniform Customs & Practice), URR (Uniform Rules for Reimbursement), ISBP (International Standard Banking Practice), SBP F.E manu
sheet containing list of discrepancies noted and their status.
recorded in G/L and withholding tax is properly recovered from the proceeds of negotiation.
e been retained for the record duly microfilmed.
vice is not received within the stipulated time, SWIFT message will be sent to the issuing bank within 15 days from the date of dispatch of d
rom the customer.
of export on firm contract on DA or TR basis.
ank’s schedule of charges.
s & Practice), URR (Uniform Rules for Reimbursement), ISBP (International Standard Banking Practice), SBP F.E manual rules and regulat
omer. It must be ensured that discrepancies are communicated immediately after scrutiny.
epartment (FEOD), SBP-Banking Services Corporation (BSC), Head Office, Karachi for approval along with the attested / authenticated cop
merthe
as concerned
defined in EPD Circular
BS / RM Letter
/ branch No.04 of about
/Customer 2019 dated: Februaryof22,
the realization 2019.
Local discounted bill and demand draft/pay order will be lodged in clea
The outstanding export bills pertaining to each exporter
hould show particulars of all overdue export bills as on 30th June.
tion of the proceeds or under instructions from the State ank/SBP-Banking Services Corporation
ng fate of the collection.
g the Form ‘E’ number obtain / retrieved from Pakistan Customs Computerized System (PACCS) as a proof of customs verification. Further t
ank’s schedule of charges.
e of nonrealization within the prescribed period, the matter shall be reported to the Foreign Exchange Operations Department, SBP-BSC as
ontinue extending the above facility to the exporter
customer against proper acknowledgment?
payment voucher.
ank’s schedule of charges.
eminder should be send to the customer.
cher should be marked with such caution, in order to avoid possibility of utilization of such payment.
ven by the Authorised Dealer and the word "Duplicate" will be prominently marked at the top of such certificates
nthly basis, accompanied with Banks cover letter, PRC, advance payment voucher, commercial invoice and Airway Bill (AWB) / Bill Lading.
tted to SBP before third of every following month for the preceding month.
s on a monthly basis.
and the current rate while processing necessary transaction. The difference would either be positive or negative. (Recoverable from custom
otiating or collecting bank through Bank to Bank BCA transfer module in WeBOC.
Form and can be reused within original validity period.
ssuance register with serial no.
acknowledgment from the customer should be obtain in ‘E’ form issuance register.
eminder should be send to the customer.
For this purpose, they should maintain a Stock Register which should show branch-wise distribution of the export forms. It is the responsibi
is register they should record against each form the date of submission of the export documents
4 hours of receipt of credit.
n the stipulated period.
next working day.
BP/NBP. The same should be deposited in SBP/NBP along with tax challan against proper acknowledgment.
to respective income tax department.
senior staff.
staff of the department.
ehers posted in
to litigation or the
aresystem and
required by such checking
the Court verification
of law or by any will also
other be endorsed
competent the reported by two authorized signatories of the departmen
authority.
/MEF or underlying contract.
involving lengthy usance period.
ment being shipped to a country that has no electronics industry.
ess scenarios.
shall not go beyond three years in any case?
tory of export control contraventions.
o required for Mandate and signatory addition in existing account
RF and welcome letter.
the account activity vis-a-vis customer profile and maintain separate file after updating their comments thereon.
er to activate, customer shall sign activation request and get the request and CNIC/NICOP/Passport copy verified from Pakistani Consulate
ng to each pensioner should be clipped together. Respective BSM would be responsible to submit endorsed copy of valid life / non- marriag
llow ups on weekly basis.
gh presents
nd a letter asthe
required.
dormant activation request. Further, pension will be ceased to be credited to the pensioner's account.
ccounts will be observed.
t is clearly mentioned that funds to be onward credited into “Major Object C02 Receipts from Civil Administration and other functions.
on monthly basis. ROMs are also advised to keep receiving copies of letters submitted to their respective AGPR offices as evidence. Branch
Circular Letter No 03 dated 18-05-2017)
nal contact numbers / upon branch visit for obtaining of valid CNIC/NICOP. Evidence of follow-ups & update should be maintained in shape
ng procedure to be obtained
ued in favor of the Minor who has turned Major.
notification to this effect will be provided by stamping & signing the request.
heir signature jointly and then Jointly re-lock safe and strong room.
Security Company’s authorized employees as per the bank’s record.
n and type of cash (soiled / sorted etc.) to be surrendered & submitted to respective branch.
IDD/1425/2(18) A-2014 of September 2014.
ECEIVED STAMP’ duly signed by BSO& BSM/BM/Head BSO
t where transaction amount exceeds Rs. 100,000/- the name and CNIC number shall be captured in system and made accessible along wit
of cheque in case of any doubt. Recorded lines where available must be used for this purpose.
ned in SOP. Documents are only being sought where deemed necessary to meet regulatory requirements (to comply AML CFT regulations
eques in the bank? (BPD Circular Letter No. 22 dated August 10, 2002)
anch, issuing branch, Draft purchaser name & address ) for processing of MT 110 at CPU - CMO South.
d to specific locker by the branch for purpose to refer for verification at the time of operation.
ak open process will be initiated with the approval of Head Retail / Head operations. Once approval obtained, case will be referred to in-hou
Service Manager of respective branch.
signated delivery officer. Further the same will also be matched with physical appearance of the customer.
envelope under joint custody.
ocuments and courier receipt.
y customer (if individual /proprietor then on plain paper and if business account then on company letterhead) is obtained and all such reque
m ROM & RGM both.
cific approval of RGM & ROM with the recommendation of BM/BSM after confirming the genuineness of the customer/request.
tomer personally) the name and CNIC of the person submitting the request must be obtained and noted on the reverse of the request by re
y may personally deliver the cheque book to customer subject to Regional Manager approval followed by prompt delivery of customer’s ack
red to representative upon written approval of concerned branch manager. In such cases, respective BSM / SBSO would send an e-mail to
ch cases, respective BSM / SBSO would send an e-mail to CIC in which requesting for outbound call to customer for verification of custome
han one account with bank, status of all such accounts should also be changed to deceased.
r relevant office for visa purposes of Students Applying for Foreign Education? (BPRD Circular No. 06 of 2010 dated May 17, 2010)
be classified as Suspense Account and may be recorded in their respective head of account under other assets and the above instructions
ase of any change
of all serially numbered and dated SIRs shall be maintained at the branch.
with the detail of Security Guard Company Supervisor.
zed Ops and the security company.
s effect will be pasted on notice board in branches
A-2014 of September 2014)
of BC & CPD Circular Letter No. 02 dated 1st June 2016, BC & CPD Circular Letter No. 02 dated 4th December 2015 and BC & CPD Circu
SBP. BM or Regional Manager is required to make Call back confirmation and review signatures on BSM’s station and inform CPU via e-ma
ch within 30 minutes, CPU will post the cheque in system, if otherwise in order
Supervisor of CPU.
unt to avoid any possible losses.
R transaction code and execute the same through upload option in Third Party Module of SYMBOLS 8.5.
ansaction limits.
daily basis.
to Treasury (TBO/TFO) on date of processing i.e. on Mondays and Thursdays via email by CPU.
e amount, remittance key, mode of payment etc).
am as per CAAML Procedures and the transaction will be Rejected.
Exchange Companies / Foreign Banks by CMO.
ff to customer that an internal investigation is under process.
of the transaction. Transaction should not be stopped to avoid tipping off to customer that an internal investigation is under process.
rmation where required as per threshold defined in SOP and funds are availble in customer account.
here required as per threshold defined in SOP.
re required as per threshold defined in SOP and funds are availble in customer account.
the end of each day
after 1/7/2013
s will be maintained duly signed by concerned officers and supervisor/manager.
ned Branch on the same day of issuance of certificates or latest by the next working day. CPU must also ensure to obtain acknowledgemen
d Branch (based upon production of authority letter signed by two authorized signatories.
the end of each day. At the end of day total amount entered in the sale statement must match with the balance lying in SSC / DSC sale acco
will also be reported with the same amount.
ns for returning the issuance application.
tained for value exceeding Rs 10,000, an application mentioning reason of loss, prescribed fee for duplicate issuance and indemnity bond
ce accordingly.
e face of the instrument and care in case of unpaid profit coupon were observed.
nts for such person will be done exactly like an account opening.
ranch. Test in case of TDR request favoring company account, application bears Company Stamp.
ut Unknown (WAU) etc. and sufficient balance is available in respective account to process issuance of Term Deposit.
etails of all returned TDR advices to concerned branch BSM to follow whereabouts unknown marking process accordingly.
same day from the date of renewal/rollover followed by original instructions through approved courier services or by hand deliver.
Branch level. (BSM/SBSO)
AD via email by CPU TDR
cord purpose. & entry to this effect will be recorded in outward mail register/MIS would be maintaine?
t cross verify the customer's address from source document & if found correct immediately mark the restraint ''Whereabouts Unknown'' with
fect on the returned letter of thanks it will be filed with respective Branch CRF?
end the same at custtomer's updated/ new address through approved courier services. Meanwhile 'WhereAbouts Unknown' status updates
chronological order on daily basis under the supervision of Assistant Manager or designated backup Account Maintenance.
rds (where applicable) and relevant documents would be provided to the concerned Branch under acknowledgement.
cases will be marked as Increased Risk
system in MINOR category. (NM).
er attaining the age of majority the status required updating in the system as per existing procedures by CPU.
his age of majority. The second reminder (Annexure 4.11.D) will be sent when the minor attains the age of majority. Copy of these letters w
ss appearing in Bank's records and file a copy in bank's record.
nsion for consecutive six months
further processing.
ution. After satisfaction, designated officer will time stamp the account closing application.
nological order.
large transactions) for a minimum period of ten years from completion of the transaction
pleteness/ accuracy in details of customer (Name, DOB, Addresses) and cross clients (Jointees, Mandate, Directors, Signatories, etc) are c
ature. However, Authorized signatories can sign requests for change in details of account such as telephone number, address on letter hea
en would be required.
n of renewed identification documents
nexure 4.1-CC(i) & (ii))
urther, process of due diligence is conducted as defined in account opening process & Branch will retain the copies of the above document
discrepancy can be rectified without returning the documents.
oney laundering measures would also be followed for supplementary card holder by AMU.
ame or very next day.
hs (five months in case of pensioner category accounts)
s on his/her available correspondence address.
s been inactive for last 1 year & classified as dormant.
ent of account on next cycle date.
ures, call back performed by BSM/SBSO?
bsequently affixed receiving stamp (with date and time) on the IoM to acknowledge the same?
nder Third Party Module of SYMBOLS 8.5. In case of rejection by the system due to WAU/restrain marked earlier, then manual transaction w
truction (FBL correspondent bank detail) where fund will be credited by drawee bank
officer of GSD should be obtained on the copy of covering letter for record purpose
y signing respective checker, supervisor, assistant manager/ manager on the hard copy as per assigned limits. This must be, without excep
e security company.
audit period.
t respective settlement account
Supervisor or Assistant Manager of CPU, Remittances
done so must also be noted on the report by designated officer/Assistant Manager CPU, Remittances supported by his/her full signatures
ecution of each transaction.
e end of each working day
h Manager and Branch Service Manager of respective Branch.
PU, Remittances through User ID report/daily transaction report. A confirmation of having done so will also be noted on said report supporte
ossible duplication. A confirmation of doing so must also be noted on such repor
Remittances
3) processed by CPU during the preceding month on behalf of Pan Pakistan Branches
ng hours latest by 3 rd of every month, or earlier if 3 rd happens to be a holiday
elevant Schedules and covering letter are made and appropriately retained in a box file at a secured place
emittances.
ward is in with
ordinate accordance with
customer forthe customer
exchange profile
rate form/KYC with
by negotiating of beneficiary with
Treasury and the purpose
confirm to CPUof such remittance
Remittance alongpurpose
along with with AML checked.
of such remittan
the customer or signed by BM/BSM/BSO (on behalf of customer in case where customer is not available) clearly mentioning purpose of re
tatus of account.
credit that is appearing in Nostro activity report but its SWIFT MT-103 is not received by CPU, Remittances. On case to case basis upon cu
king day subject to receipt of the required information and treasury rates from the Branch.
erespective officer / Assistant
Branch (Description Manager
field). These would
details are cross
to be check
utilizedthe
to SWIFT 103 / 202 messages
attend subsequent with received
possible queries information
from Branches, from concerned
Internal Branch
/ SBP Inspection
ular No. 16 dated December 17, 2018, FE (EPD) Cir Let Nos 15&16 of 2019 )
end of each working day.
d and rectified;
at the end of each workingday.
& on cash withdrawal on Tuesday due to back value deduction).
ob descriptions should also state any other duties that may have to be performed to replace staff that may be absent or on leave.
acceptable except unit price and quantity or advance payment clause on presentation of invoice/draft without shipping documents etc. CPU
rtinent to the LC will be put in the file and forwarded to Desk In charge / team leader along-with the SWIFT message for checking the MT 70
on of transaction in System.
s perasauthority.
orts However, liability of LC will not be reversed if some matter pertain with LC are outstanding or issued on behalf of governmen
per authority.
RMU and FIG.
rnate course of action is advised by the remitting bank. (in case of any exception for holding documents for more than 60-day regional busin
ce till date of repatriation of advance payment.
d act as per SBP regulations.
he Authorized Dealer issued by the principal of a teaching hospital in public sector or head of a Government specialized hospital, confirming
ntial medicines and devices shall remain the same i.e. USD 10,000 per invoice EPD Circular Letter No. 15 dated: Sep14, 2018.
d of a Government specialized hospital, instead of a certificate issued by the respective provincial health department, confirming that the me
ge Control copy of Bill of Entry and evidence to the effect that the import was made by air/courier. These records will be retained till the next
ces thereagainst.
tion of shipping guarantee followed by send a call letter to respective shipping company for return of original instrument in case of sight LC,
/ team leader or manager imports respectively as per authority.
ents or delay on the part of the shipping companies despite having submitted the original bills of lading to them for returning of the shipping
Government Organization is reversed under legal advise.
anking Practice), SBP F.E manual rules and regulation and ensure regulatory compliance regarding OFAC and CPL.
ys from the date of dispatch of documents for authenticated acceptance.
BP F.E manual rules and regulation and ensure regulatory compliance regarding OFAC and CPL .
the attested / authenticated copies of the documents as mentioned in the section 2a of the circular as per EPD Circular Letter No. 20 dated
t/pay order will be lodged in clearing in designated account. Upon receipt of fate in the designated account, Authorized Officer will settle the
of customs verification. Further the same also certified by the bank officer with the date of certification.
ations Department, SBP-BSC as per applicable instructions.
d Airway Bill (AWB) / Bill Lading.
ative. (Recoverable from customer or payable to customer by CPU Centralized Operations-T&BS).
export forms. It is the responsibility of the Head Offices to keep their branches adequately stocked with the export forms
ed signatories of the department / Branch.
verified from Pakistani Consulate/ embassy and courier the same to parent branch for signature verification. Customer on request may infor
d copy of valid life / non- marriage certificates obtained from pensioners to AMU for their record. In case of personnel presence, the BM / RM
s account.
ation and other functions.
GPR offices as evidence. Branches are instructed not to activate such accounts through override / password instead liaise with AMU for act
should be maintained in shape of MIS (Excel) for record purpose.
m and made accessible along with transaction details at beneficiary’s branch.
(to comply AML CFT regulations for EDD/ FE Manual) Documents may not be required in case of BM/RGM satisfaction of the transaction.
d, case will be referred to in-house legal advisor for serving the legal notice to customers’.
d) is obtained and all such requests also require specific approval of BM/OM after confirming the genuineness of the customer/request.
e customer/request.
the reverse of the request by receiving officer.
rompt delivery of customer’s acknowledgement on requisition slip to the cheque book delivery officer. In such cases, customer needs to ca
SBSO would send an e-mail to CIC in which requesting for outbound call to customer for verification of customer credentials and activation
stomer for verification of customer credentials and activation of cheque book. Concerned branch is required to file such mail along with the
10 dated May 17, 2010)
ssets and the above instructions shall not be applicable to these items.(BPRD Circular NO 06 of 2014 Prudential regulation for corporate/co
ember 2015 and BC & CPD Circular Letter No. 02 dated 13th February 2014 and BC&CPD Circular Letter No. 01 of March 16, 2018.
station and inform CPU via e-mail to process the same based on customer request.
tigation is under process.
nsure to obtain acknowledgement from Branch Manager or Branch Service Manager to this effect via email.
nce lying in SSC / DSC sale account. Designated supervisor must verify the same on daily basis.
ate issuance and indemnity bond of Value Rs 50/.
cess accordingly.
ces or by hand deliver.
nt ''Whereabouts Unknown'' with the notation LoT returned? Ensure that if address is correct as per document and Letter of Thanks is retur
Abouts Unknown' status updates with a forward date of 5 working days which will be automatically removed in case LoT is delivered?
nt Maintenance.
majority. Copy of these letters will be kept for records.
Directors, Signatories, etc) are captured in Ad-hoc screens in Symbols to ensure effective and accurate screening
ne number, address on letter head.
e copies of the above documents (if required) and courier the originals to CPU for capturing the Mandatee/POA holder details in the system
earlier, then manual transaction will be processed through transaction type CQCR.
mits. This must be, without exception, performed daily & branch wise deposit slips / voucher bundles will be prepared and stitched by CPU- C
ported by his/her full signatures
be noted on said report supported with full signature. Assistant Manager -- > up to USD 25,0
ce along
g with with AML
purpose checked.
of such remittance & Form ‘R’ (where required).
clearly mentioning purpose of remittance along with all required details within the shortest possible time when the email is sent by CPU, Re
. On case to case basis upon customer/branch request, in case of reply through authenticated SWIFT message is not received within 3 wor
ormation from concerned
nches, Internal Branches
/ SBP Inspection and If found team.
or Compliance in order, the same would be forwarded by Supervisor to the designated officers for further p
be absent or on leave.
ut shipping documents etc. CPU - TRADE/respective trade hubs will raise a request through RM/BS for necessary approval from respective
message for checking the MT 700 message against the application and verification/authorization of transaction in SWIFT system and in Sym
r issued on behalf of government agencies with the consent of Manager Import.
more than 60-day regional business head approval will be required only with consent of Trade Head) .
nt specialized hospital, confirming that the medicines/devices/instruments being imported fall under the life-saving/essential category EPD C
dated: Sep14, 2018.
partment, confirming that the medicines/devices/instruments being imported fall under the life-saving/essential category EPD Circular Letter
ords will be retained till the next inspection of the concerned bank branch by the State Bank’s Inspectors. (FE Circular No 15 dated 15-08-2
al instrument in case of sight LC,TPC shall advise the maturity date to negotiating bank in case of Usance LC.
hem for returning of the shipping guarantee.
EPD Circular Letter No. 20 dated: October 30, 2018.
, Authorized Officer will settle the respective bill by capturing the relevant transaction in the system which will subsequently be verified & aut
export forms
. Customer on request may inform of any upcoming transaction in the account.
personnel presence, the BM / RM may personally verify the pensioner's existence.
d instead liaise with AMU for activation.
M satisfaction of the transaction.
ss of the customer/request.
uch cases, customer needs to call at CIC for activation of cheque book.
stomer credentials and activation of cheque book. Concerned branch is required to file such mail along with the cheque book requisition sli
d to file such mail along with the cheque book requisition slip for further record.
dential regulation for corporate/commercial banking, Regulation 003)
No. 01 of March 16, 2018.
ent and Letter of Thanks is returned/undelivered two times by courier services. concerned Assistant Manager or backup officer of Account m
in case LoT is delivered?
POA holder details in the system.
prepared and stitched by CPU- Clearing and kept in a fire proof cabinet at an appropriate place
ant Manager -- > up to USD 25,000.00 (or equivalent) Manager/Sr.Manager > USD 25,001.00 (or equ
en the email is sent by CPU, Remittances.
sage is not received within 3 working days from remitting bank, necessary approval to apply funds will be required from regional head opera
e designated officers for further processing in system.
cessary approval from respective Regional Risk and Business Heads along with Head Trade /Unit Manager to insert requested clauses. How
ction in SWIFT system and in Symbols.
saving/essential category EPD Circular Letter No. 15 dated: Sep14, 2018.
tial category EPD Circular Letter No. 15 dated: Sep14, 2018.
FE Circular No 15 dated 15-08-2003)
ill subsequently be verified & authorized by Supervisor / Manager.
h the cheque book requisition slip for further record.
er or backup officer of Account maintenance immediately mark the restraint ''Whereabouts Unknown'' with the notation (LOT) returned and
nager > USD 25,001.00 (or equivalent) and above
quired from regional head operations/General Manager/regional heads corporate/commercial subject to comply with all AML/KYC/regulator
to insert requested clauses. However, if advance payment is backed by 105% equivalent cash margin than only approval from respective R
the notation (LOT) returned and after that Pakistan Post Office services should be used for dispatching of LOTs for the customers residing i
mply with all AML/KYC/regulatory requirement.
n only approval from respective Regional Business Heads along with Head Trade /Unit Manager will be required.
OTs for the customers residing in remote areas.
ID Select Risk Process Name
Risk Name SP Name
ID Select SP Process Name Risk Name
SP Name Enter Step Name
You might also like
- TRC - DOA Mornach Signed RBC Bank 27 Mar 2017ben-150% (2)TRC - DOA Mornach Signed RBC Bank 27 Mar 2017ben-120 pages
- The ABCs of The UCC - Revised A - Miller, Frederick H., 1937 - Bo100% (8)The ABCs of The UCC - Revised A - Miller, Frederick H., 1937 - Bo156 pages
- Compliance Functions in Banks: Back To BasicsNo ratings yetCompliance Functions in Banks: Back To Basics28 pages
- 15 KYC Norms, Anti Money Laundering Obudsman100% (1)15 KYC Norms, Anti Money Laundering Obudsman21 pages
- Sound Mind Set Leads To Growth and ProsperityNo ratings yetSound Mind Set Leads To Growth and Prosperity87 pages
- Basics of Money Laundering & Anti-Money Laundering: Presesnted by Rihsi Ranjan Guru Nanak Business SchoolNo ratings yetBasics of Money Laundering & Anti-Money Laundering: Presesnted by Rihsi Ranjan Guru Nanak Business School34 pages
- Vaibhav Bhartae_CV_1711052510490_Vaibhav BhartaeNo ratings yetVaibhav Bhartae_CV_1711052510490_Vaibhav Bhartae4 pages
- A Glance at Futture of Retail Banking in Pakistan: Presented By: Muhammad ZakkiNo ratings yetA Glance at Futture of Retail Banking in Pakistan: Presented By: Muhammad Zakki27 pages
- Professional-Accountant-Auditor-IndicatorsNo ratings yetProfessional-Accountant-Auditor-Indicators4 pages
- Day-2 Session-4 - Monitoring of offline scenarios and its escalationNo ratings yetDay-2 Session-4 - Monitoring of offline scenarios and its escalation91 pages
- Certified AML and Fraud Professional (CAFP) Test Content OutlineNo ratings yetCertified AML and Fraud Professional (CAFP) Test Content Outline5 pages
- Syllabus of Certificate Exam on KYC-AML & ComplianceNo ratings yetSyllabus of Certificate Exam on KYC-AML & Compliance3 pages
- A.L Rajesh Kumar: Location Preference: ChennaiNo ratings yetA.L Rajesh Kumar: Location Preference: Chennai4 pages
- Implementing Effective Anti Money Laudnering and Fraud Rules in BankingNo ratings yetImplementing Effective Anti Money Laudnering and Fraud Rules in Banking23 pages
- Risk Based Audit in Banks (With Relevance To Bank Branch) (With Relevance To Bank Branch)No ratings yetRisk Based Audit in Banks (With Relevance To Bank Branch) (With Relevance To Bank Branch)48 pages
- Bookkeeping And Accountancy Made Simple: For Owner Managed Businesses, Students And Young EntrepreneursFrom EverandBookkeeping And Accountancy Made Simple: For Owner Managed Businesses, Students And Young EntrepreneursNo ratings yet
- Accounting Policies and Procedures Manual: A Blueprint for Running an Effective and Efficient DepartmentFrom EverandAccounting Policies and Procedures Manual: A Blueprint for Running an Effective and Efficient DepartmentNo ratings yet
- Chapter 14: Global Financial Management: True/False100% (2)Chapter 14: Global Financial Management: True/False27 pages
- Purpose: Prepared By: - Mustafa Khan & Co. Controlled By:-Effective DateNo ratings yetPurpose: Prepared By: - Mustafa Khan & Co. Controlled By:-Effective Date20 pages
- Aujara Shamsuddeen Final E-Thesis (Master Copy)No ratings yetAujara Shamsuddeen Final E-Thesis (Master Copy)273 pages
- How The Medici Family Continues To Influence The WorldNo ratings yetHow The Medici Family Continues To Influence The World1 page
- Md. Ahsan Ullah - International Trade Finance and Role of BanksNo ratings yetMd. Ahsan Ullah - International Trade Finance and Role of Banks34 pages
- Import Export Documentation and ProceduresNo ratings yetImport Export Documentation and Procedures107 pages
- Mt799 Verbiage - Siam Bank - Chesstec UgNo ratings yetMt799 Verbiage - Siam Bank - Chesstec Ug1 page