Full Report of a Student

8/13/2019 Full Report of a Student

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FINAL PROJECT ON BANKING OPERATIONS

Presented To:Mr.ASHFAQ

Presented By:

FARHAN BUTT

Roll No. 21045

Registrtion No. 04!PST!4"#2

MOHI-UD-DIN ISLAMIC UNIVERSITY, NERIAN SHARIF, AJK.


2/114

All Prise $%e to All&' t&e Most Mer(i)%l' T&e Most Forgi*ing' T&e Most+enero%s' T&e (ontroller o) Herts nd +,es' And t&e All -noing o) T&t/&i(& is oen t&t &i(& is &idden. /e rise HM it& Prise t&t is eternl't&ro%g&o%t t&e nig&t nd T&e $y.

3onse%ently' e &*e ten %on 6y %nort&y S&o%lders t&eresonsi7ility o) rering t&e Finl ro8e(t.

/e )ell &ig&ly inde7ted nd grte)%l nd (onsider it o%r d%ty to eress o%rt&ns to:

A9M+HT A99AH: For t&e g%idn(e' Strengt& nd (o%rge e6nting

Fro6 HM' in ((o6lis&6ent o) T&e Present 8o7.

;%r &onor7le Sir Moneer B%tt : For sending %sin t&e i(i( 3o66er(il Bn 9i6ited' S..? Brn(& in order to lern nd to dor(ti(l 8o7.

;%r Rese(t7le Sir -s&i) A7er nd Sir Asi) For t&e &el nd d*i(esgi*en to %s )or T&e Prertion o) t&e Assign6ent.

St)) in t&e 7rn(&' ese(illy B&,d Rs&eed


3/114

'

O mankind If You have a dou! aou! !he "e#u""e$!ion

%$on#ide"& !ha! 'e $"ea!ed (ou ou! of du#!) !hen ou! ofS*e"m) !hen ou! of a ea$h +ike $+o!h) !hen ou! of amo"#e+ of f+e#h) *a"!+( fo"med and *a"!+( unfo"med) ino"de" !ha! 'e ma( manife#! %Ou" Po'e"& !o (ou, and -e$au#e 'hom 'e 'i++ !o "e#! in !he 'om# fo" ana**oin!ed !e"m) !hen do -e "in. (ou ou! a# aie#) !he%fo#!e" (ou&Tha! (ou ma( "ea$h (ou" a.e of fu++ #!"en.!h,and Some of (ou a"e $a++ed !o die) and #ome a"e #en!a$k !o !he fee+e#! o+d a.e) #o !ha! !he( kno' no!hin.af!e" havin. kno'n mu$h)/

0o+( 1u"an/


THE HOLLY QURAN SAYS,


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$edi(ted To

Most 9o*7le ersonsMy Mot&er Ft&erC/&o Pryed For Me

nd S%orted 6e For

Hig& ?d%(tion



5/114



6/114

/e Are Relly T&ning F%ll to o%r instit%tion nd te(&er &o gi*es ;ort%nityto do t&is Pro8e(t. t is o%r ri*ilege nd &onor t&t e 6e t&is ro8e(t nd egin gret eerien(e o) noledge. T&is Pro8e(t 7se on 7ning oertion soe re *ery t&n )%ll to ll t&ose 7ns &i(& gi*es %s in)or6tion 7o%toertion nd 7n (ti*ities. /e &oe t&is ro8e(t ill &el t&e st%dent o))inn(e nd (o66er(e relted eole &o nt to no 7o%t t&e 7ningoertion.

Signt%reDDDDDDDDDDD



7/114

Evo+u!ion of Bankin.2222222222223345Comme"$ia+ Bankin. in Paki#!an222222246P"e Na!iona+i7a!ion *e"iod2222222222346Na!iona+i7a!ion *e"iod222222222222348Po#! Na!iona+i7a!ion *e"iod22222222233349Pi$i$ Comme"$ia+ Bank Limi!ed22222223334:%0i#!o"i$a+ Ba$k."ound&

;i#ion %Pi$i$ Comme"$ia+ Bank Limi!ed222234:%s@ o) 7ning 3o6nies ;rdinn(e 1IJ2 Bner6ens erson trns(ting t&e 7%siness o) ((eting )or t&e %rose o) lending orin*est6ent' o) deosits o) 6oney )ro6 t&e %7li(' rey7le on de6nd orot&erise nd it&dr 7le 7y (&e%e' dr)t' order or ot&erise nd in(l%desny Post ;))i(e S*ings Bn.C


2


10/114

T&e interesting oint &i(& o7ser*ed d%ring t&e sn o) 6ine interns&is t&e &istori(l 7(gro%nd o) Bning Finn(il se(tor &is& is t&e one in&i(& gret i6ro*e6ent nd grot& is o7ser*ed sin(e t&e )or6tion o)

Pistn. For st%dying t&e grot& o) t&is se(tor e (n di*ide it into t&ree stges'&i(& re s )ollos:> Pre!Ntionli,tion Period7> Ntionli,tion Period(> Post Ntionli,tion Period

T&ere ere only to M%sli6 7ns in indo 7e)ore rtition' t&ey ere:H7i7 Bn 9td. nd A%strli Bn 9td.. All ot&er 7ns' t t&t ti6e' ere eit&er oned 7y Hind%s or

)oreigners.At t&e ti6e o) rtition t&ere ere J@1 7n 7rn(&es in re &i(& (6%nder Pistni (ontrol. B%t d%e to 7lood s&ed nd *iolen(e t lrge s(le'6ostly 7rn(&es ere (losed nd t&e disrity (n 7e ssessed )ro6 t&e )(tt&t only =%ly 1I4# t&ere ere 1I5 7rn(&es it& deosits o) Rs.##(rore only. Also )(tor lgging in Pistni ind%stry s (entrl 7n o) itson' 7y t&t ti6e reser*e 7n o) ndi s (ting s (entrl 7n )or 7ot&(o%ntries nd s6e (%rren(y notes ere %sed in 7ot& territories. B%t reser*e7n o) ndi s 7sed nd set don Pistn on 6ny o((sions s%(& s t&eiss%e o) )o%nds trns)er et(.

n t&is eriod drsti( stes ere ten in go*ern6ent se(tor )or t&e

i6ro*e6ent o) o*erll osition. T&e ri*te se(tor lso resonded to t&ese(&nges nd so6e *ery ositi*e (&nges ere o7ser*ed. So6e o) t&e t&e stesten 7y t&e go*ern6ent in t&is regrd ere s %nder:

1> n%g%rtion o) Stte Bn o) Pistn on 1st =%ly' 1I4#.2> Setting % o) Ntionl Bn o) Pistn in No*e67er' 1I4I to

(ontrol@> t&e 8%teC in ?st Pistn nd to (t s gent o) SBP.4> 9rger oers ere gi*en to SBP t&ro%g& SBP (t )or

(ontrolling %roses.5> Bning (o6nies ordinn(e 1IJ2 )or rote(tion nd g%idn(e to

7ns.?st7lis&6ent o) se(ili,ed 7ns' s%(& s A$BPG

> HBF3


CO==ERCIAL BANKING IN PAKISTAN

P"eNa!iona+i7a!ion Pe"iod

3


11/114

T&ese ere t&e stes' &i(& 7%ilt strong 7ning se(tor in Pistn.T&is is lso o7*io%s )ro6 t&e )(ts t&t 7y 1I"@ t&ere ere l6ost 10 )oreign7ns ere oring in Pistn nd ll o*er deosit osition s ro%ndRs2@00 (rore


12/114

Bank No3 of B"an$he# ?e*o#i!# %R#3 In =i++ion#&HB9 1I2J 15@'4@1NBP 144# 12#'J"IUB9 1J#4 #"'4#2M3B 12## 50'01@

AB9 "50 @@'"5"P33 100 22'225

n 1II0 t&ego*ern6ent de(ided to dentionli,e ll t&e ntionli,ed instit%tes. So6e slso s%ggested in 7ning se(tor. For t&is %rose' 6end6ents ere 6de toNtionli,tion A(t 1I"4 nd to ntionli,ed 7ns ere ri*ti,ed. Along it&t&is er6ission to oen 7ns in ri*te se(tor s lso grnted. T&e r%lesregrding est7lis&6ent o) ne 7ns nd )or in(o6ing )oreign 7ns ere lsoreled.

T&e t&ree ri*ti,ed 7ns re:> M3B ten % 7y ri*te gro% in Aril' 1II1

7> AB9 ten % 7y its on e6loyees in Sete67er' 1II1.

(> UB9 ten % 7y UA? rty in 2002.A)ter t&ese (&nges lrge n%67er o) ri*te nd )oreign 7ns strted t&ereoertion in Pistn nd t&e resent stt%s (n 7e seen )ro6 t&e )olloing)ig%res:

CATEGORY NO OF BANKSNtionli,ed (o66er(il 7ns @Pri*teri*ti,ed (o66er(il 7ns 1#P%7li( se(tor se(ili,ed 7ns 4Foreign 7ns 1ITotl s(&ed%le 7ns 44

n ddition to 7o*e 6entioned s(&ed%led 7ns t&ere re " de*elo6ent)inn(il instit%tes' 14 in*est6ent 7ns nd 6odr7& (o6nies.


BANK POSITION IN 5>>

SC0E?LE BANKS

C POST NATIONALIDATION PERIO?

5


13/114

No let %s dis(%ss t&e &istori(l 7(gro%nd o) Pi(i( 3o66er(il Bn 9i6ited.

Be)ore sertion o) ndo P' t&e need )or 6ore M%sli6s 7ns s )elt. AndM%sli6 &*e strong )inn(il ((ity ere t&ining to in*est in t&is se(tor sell. So in order to rise t&e needed oring nd )ied (itl )or ind%stry inPistn t&e go*ern6ent too so6e i6ortnt stes in t&t dire(tionG nd t&eest7lis&ing o) t&e Pistn ind%stril )inn(e (orortion n 1I4I sone s%(& 6es%resG 7%t its oertion ere restri(ted to r%ee lons only' ndlloed 6inly to )inn(e ne ind%stries.T&e (o%ntry needed ind%stril 6(&inery' te(&ni(l no!&o nd )oreigne(&nge' &i(& t&e Pistn ind%stril )inn(e (orortion (o%ld not rrnge)or.T&ere)ore' not&er instit%tion' n6ely Pistn nd%stril 3redit nd n*est6ent

3orortion s est7lis&ed in 1I5" )or t&e %rose o) rising )ied(itl )or lrge!s(le ind%stril ro8e(ts. /&ile t&e +o*ern6ent o) Pistn &sro*ided long ter6 R%ee )%nd 7y y o) lon to t&e (orortion' t&e /orld Bn&s lloed (redit in )oreign (%rren(ies. T&e id!% (itl or t&e 3orortion isRs. 150 6illion' [email protected] o) &i(& is &eld 7y ri*te in*estors nd )inn(ilin*estors nd )inn(il instit%tion in Pistn nd @J.5IK 7y )oreign in*estors.T&e )oreign in*estors' 41 in n%67er' in(l%de )inn(il instit%tion )or U.S.A.' U.-.'+er6ny' Frn(e' =n.' Sit,erlnd nd tly' @.51K o) t&e totl id o) (itlis &eld 7y nterntionl Finn(e 3orortion.

T&e 3orortion is 6nged 7y Bord o) $ire(tors &i(& (onsists o) 20

6e67ers' o) &o6 12 re ele(ted 7y Pistns&re&olders' 5 )oreign s&re&olders' one 7y 1.F.3. nd 2 $ire(tors ndMnging $ire(tors re ointed 7y t&e )ederl +o*ern6ent o) Pistn' &ilet&e 3&ir6n is ele(ted 7y t&e Bord o) $ire(tors nd t&e Mnging $ire(tors.Pistn nd%stril 3redit nd n*est6ent 3orortions reso%r(es (o6rise o) itsid % (itl long ter6 go*ern6ent lons nd (redit )ro6 )oreign +o*ern6entsnt interntionl gen(ies. T&e (orortion lends 6oney )or eriod o) 0" to 15yers nd (&rges interest t #!12K to 12!12K on r%ee lon nd 10!12Kto11!12K on )oreign (%rren(y lons. T&e 6oney is relesed s t&e ro8e(td*n(es. n (se (se o) )oreign (%rren(y lons t&e (orortion 6es y6entdire(tly to t&e s%liers 7rodG nd re(o*eries re 6de in se6i nn%linstll6ents 7eginning si 6ont& to one yer )ter t&e ro8e(t &s gone intooertion.

P33 re)ers to )inn(e ind%stries 7sed on lo(l r 6terils or t&ose&i(& re ?orts oriented or o%ld res%lt in i6ort s*ing.

T&e 3orortion s%78e(ts e*ery lon li(tion to (lose s(r%tiny so sto deter6ine t&e )esi7ility o) t&e ro8e(t in ter6 o) )inn(il stnding o) t&e


PICIC CO==ERCIAL BANK LI=ITE?0ISTORICAL BACKGRON?

6


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entrerene%rs' t&e (itl str%(t%re o) ro8e(t' t&e te(&ni(l ly!o%t nd slero8e(ts et(.T&e ro8e(t is lso e6ined in t&e lig&t o) riorities set %nder t&e Ntionl$e*elo6ent ln. T&is 3orortion &s eerted signi)i(nt i6(t on ntionle(ono6y.

P33 &s 7een gi*en li(ense 7y t&e Stte Bn o) Pistn )or 3o66er(il7ning' nd s res%lt P33 3o66er(il Bn &s (o6e into 7eing in 2002 s s%7sidiry.

P33 is entering t&e )ield o) lesing nd ins%rn(e lso in ner )%t%re.

A)ter ri*ti,tion' t&e grot& in e*ery dert6ent o) t&e 7n &s 7eeno7ser*ed. Folloing re so6e ey de*elo6ents:

1> 9%n(&ing o) di))erent deosit s(&e6es to in(rese s*ing le*el.2> n(resed rti(ition on )oreign trde.@> Better6ent o) 7rn(&es nd st)) ser*i(e le*el.4> ntrod%(tion o) R%ee Tr*eler 3&e%es P&oto 3redit 3rd )or t&e )irst

ti6e in Pistn.


?E;ELOP=ENTS

7


15/114

To 7e

Re(ogn i ,ed

And ( (e ted

As P i s tn s

l ed ing

3o66er( i l Bn .


; I S I O N

8


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P33 3o66er(il Bns

Mission is:

To &*e di*ersi)ied nd st%lti)ied (%sto6er

7se.

To ser*e t&e 6ret t&oro%g& inno*ti*e

7ning sol%tions.

To o))er &ig& rte o) ret%rn to s&re&olders.

To )ster Pistns e(ono6i( roserity.

To (rete good or en*iron6ent )or

e6loyees nd )oster te6 or nd (reer

de*elo6ent.

To oerte et&i(lly nd 6intin trnsren(y

in oertions.


= i # # i o n


17/114

Mr. M%&66d Ali 3&ir6n

Mr. /see6 Hie $ire(tor

Mr. Hsnin N,i6 $ire(tor Mr.Mn,oor A&6ed $ire(tor

Mr.+%l6 &ider $ire(tor

Mr. A&6ed Sl&%ddin $ire(tor

Mr. R&t Seed -&n $ire(tor

Mr. R&t Seed -&n

Mr. A7r A. 9d

Mr. H%snin N,i6Mr. M%&66d Ali -&o8 Mr. Mn,oor A&6ed

2nd@rdFloors' Sen(er 7%ilding.. 3&%ndrigr Rod' -r(&i.

TH- Asso(ites ltd

+ro%nd )loor' Stte 9i)e B%ilding No.@$r.Li%ddin A&6ed Rod' -r(&i.

Ms. -PM+ Tseer Hdi 3o.3&rtered A((o%ntnts


BOAR? OF ?IRECTORS

PRESI?ENT C0IEF EECTI;E OFFICER

BOAR? A?IT CO==ITTEE

REGISTERE? OFFICE

S0ARE REGISTRAR

A?ITORS

=ana.emen! of !he O".ani7a!ion 1!


18/114

Mr. L)r H. N*iPresident 3&ie) ?e(%ti*e ;))i(er

Mr. R&t Seed -&nS?P!Hed o) HR Ad6inistrtion

Mr.T%see) A&6edS?P! Hed o) n)or6tion Te(&nology

Mr. Mnoon H. FrooiS?P! 3redit Ad6inistrtion 3ontrol

Mr. A7r A. 9d

?P! Hed o) Finn(e Plnning

Mr.Hdi Ali -&n?P! Hed o) Finn(il instit%tions

Mr. Tri A&sn?P!Hed o) Tres%ry

Mr. Mn,oor ?l&i?P! Hed o) (o6lin(e

Mr. A,i, A. 9&ni?P! Hed o) Ris Mnge6ent

Mr.Sdt -&nSP! Hed o) Se(il Asset Mnge6ent (ons%6er 7ning

Mr. N*eed ?l&i MliSP! Hed o) A%dit inse(tion

Mr.+&,n)r Ali -&nSP! Syste6s ;ertions

Mr. At&er Ali -&nSP! 3orPorte A))irs S&res


=ANAGE=ENT 0EA? OFFICE

11


19/114

Mr. A&tr Ali -&n?P ;))i(iting RM+' 3entrl Region' 9&ore.

Mr. R&t Ali?P Lonl Hed' 9&ore So%t&

Mr. Syed 6ti, Bo&ri?P Lonl Hed' 9&ore Nort&.

Mr. L&id H%ssin Q%res&i?P Lonl Hed' +%8rnl.

Mr. Fir ?8, Asg&rS?P RM+' Nort&ern Region' sl67d.

Mr. S&&!e!Roo6 -&nS?P Lonl Hed' N/FP' Pes&r.

Mr. S.T%ir Hider Ri,*i?P Lonl Hed' Rlindi.


REGION

12


20/114

GRA?ES OF BANK

S?P

?S?P

SP

P

AP

+RA$?!1

+RA$?!2

+RA$?!@

ASSISTANT

39?R3A9 STAFF N;N!39?R3A9 STAFF

3ASH?R M?SS?N+?R

T?3HN3A9 STAFF $SPAT3H R$?R


0IERARC0Y OF =ANAGE=ENT

13


21/114

T&e orgni,tion (&rt it&in dert6ent nd in di))erent is s )ollo

$i*ision Heds DDDDDDDDDDDDD.. Hed ;))i(e

Regionl Hed


22/114

T&e %rose o) 7ns is to ro*ide so6e ser*i(es to t&e generl %7li(.

And )or t&is %rose di))erent 7ns ro*ide di))erent ser*i(es to t&e eole indi))erent )or6s. T&e P33 3o66er(il Bn is (o66er(il 7n' in 6odernti6e (o66er(il 7ns ly *ery i6ortnt role nd t&eir )%n(tion re 6ni)old.T&e 6in F%n(tion nd ser*i(es &i(& P33 3o66er(il Bn 9i6ited ro*idesto di))erent eole re s )ollos.

1> ;en $i))erent ((o%nts )or di))erent eoles2> A((eting *rio%s tyes o) deosits@> +rnting lons d*n(es4> Underting o) gen(y ser*i(es nd lso generl %tility )%n(tions' )e o)

t&ose re s %nder:> 3olle(ting (&e%es nd 7ill o) e(&nge )ir t&e (%sto6er.

7> 3olle(ting interest d%e' di*idend' ensions nd ot&er s%6 d%e to(%sto6ers.(> Trns)er o) 6oney )ro6 l(e to l(e.d> A(ting s ee(%tor' tr%stee or ttorney )or t&e (%sto6ers.

Pro*iding s)e (%stody nd )(ilities to ee 8eellery' do(%6ents orse(%rities.e> iss%ing o) tr*elers (&e%es nd letters o) (redit to gi*en (redit )(ilitiesto tr*el.

)> A((eting 7ills o) e(&nge on 7e&l) o) t&e (%sto6ers. g> P%r(&sing s&res )or t&e (%sto6er. & Underting )oreign e(&nge 7%siness.

i> F%rnis&ing trde in)or6tion nd tendering d*i(e to (%sto6ers.

For roer )%n(tioning o) 7rn(&es nd t&e o*er ll 7n &s 7een di*idedin di))erent dert6ent. T&ese dert6ents &ndle di))erent 8o7s so t&tdi*ision o) or is t&ere )or i6ro*e6ent o) )%n(tions nd lso it is esy to(ontrol t&e sit%tion. T&e generl di*ision in 7rn(& is s )ollos:1> 3s& dert6ent2> $eosit dert6ent@> Ad*n(es (redit dert6ent4> Foreign e(&nge dert6ent

Te(&nology dert6ent


FIEL? OF ACTI;ITIES OF PICIC

15


23/114

T&e )olloing 7oos re 6intined in t&e (s& dert6ent:1. Re(ei*ing 3s& Boo2. Pying 3s& Boo@. Toen Boo4. S(roll Boo5. 3s& Bln(e Boo

/&en (s& is re(ei*ed in (o%nter' it is entered in t&e S(roll Boo ndre(ei*ing (s& Boo. At t&e (lose o) t&e dy' t&ese re 7ln(ed it& e(& ot&er.

/&en t&e (&e%e or ny negoti7le instr%6ent is resented t (o%nter )ory6ent' it is entered in t&e toen 7oo nd toen is iss%ed to t&e (%sto6er. T&etoen (ler nd t&e (s&ier 6e entries in t&e ying 7oo nd y6ent is

6de to yee. At t&e (lose o) dy' t&e toen 7oo nd ying 3s&ier 7oo re7ln(ed.T&e (onsolidted )ig%re o) re(eit nd y6ent o) (s& is entered in t&e

(s& 7ln(e 7oo nd drn (losing 7ln(e o) (s&.O*enin. Ba+an$e H Re$ei*!# Pa(men!# C+o#in. Ba+an$e3

T&is is *ery i6ortnt dert6ent 7e(%se (s& is t&e 6ost li%id ssetsnd 6ostly )r%ds re 6de in t&is dert6ent' t&ere)ore' etr (re is ten inten in t&is dert6ent nd no7ody is lloed to enter or le*e t&e re )reely.Mostly' (s& re is grilled nd its door is %nder s%er*ision o) t&e &ed o) t&tdert6ent. All t&e 7oos 6intined in t&is dert6ent re (&e(ed 7y no))i(er.


CAS0 ?EPART=ENT

16


24/114

Bn dels in 6oney nd t&ey re 6erely 6o7ili,ing )%nds it&in t&ee(ono6y. T&ey 7orro )ro6 )ro6 one erson nd lend to not&er' t&e di))eren(e7eteen t&e rte o) 7orroing lending )or6s t&eir Sred or gross ro)it.T&ere)ore e (n rig&tly stte t&t deosits re t&e 7lood o) t&e 7n &i(&(%ses t&e 7ody o) n instit%tion to get or. T&ese deosits re li7ility o) t&e

7n so )ro6 oint o) *ie o) 7n e (n re)er to t&e6 s li7ilities.T&e totl deosits o) P33 re groing sin(e its in%g%rtion 7%t )terri*ti,tion t&ere is s&r in(line in o*er ll deosits o) t&e 7n. T&e in(resein deosits is lso (%se o) in(rese on totl n%67er o) ((o%ntsG 7n &srogressed in 7ot& se(ts.

TYPES OF ?EPOSITS$eosits (n 7e segregted on to 7ses' one is t&e d%rtion in &i(&

t&ere )%nds re ee(ted to 7e it& t&e 7n nd se(ond is t&e (ost o) gettingt&ese )%nds. So di*ide deosits in to (lsses ((ording to d%rtion o) deositsi.e.

1> Ti6e deosit li7ilities2> $e6nd deosits li7ilitiesAnd on t&e 7sis o) t&e (ost to (%ire t&ese )%nds' deosit (n 7e (lssi)ieds ny one o) )olloing )o%r' Hig& 3ost Medi%6 3ost' lo 3ost No 3ost.

Bns &s di))erent inds o) deosit s(&e6es in order to ind%(e deosits.T&ese s(&e6es re 6it%re o) t&e 7o*e 6entioned to tyes o) deosits it&n ddition o) di))erent ser*i(es re%ire6ents s%(& s 6ini6%6 7ln(ere%ire6ent' 6ode o) trns(tion' 7sis )or di))erent gro%s.

n t&e si6ilr )s&ion' P33 &s lrge *riety o) deosits s(&e6es ndso6e o) t&e6 re s )ollos:

CRRENT AC %C?&n t&is tye o) ((o%nts t&e (lient is lloed to deosit or it&dr 6oney

s nd &en &e lies. He 6y' t&%s' deosits or it&drs 6oney se*erl ti6esin dy i) &e lies. T&ere is lso no restri(tion o) 6o%nt to 7e deosited orit&drn. Hoe*er' t&ere is re%ire6ent o) 6ini6%6 7ln(e 6intenn(e o)Rs. 1000! Us%lly t&is tye o) ((o%nt is oened 7y t&e 7%siness6en. No ro)itis id 7y t&e 7n nd no ser*i(e (&rges re ded%(ted 7y t&e 7n on (%rrentdeosits ((o%nt. T&ese tyes o) deosits re lso ee6t )ro6 (o6%lsoryded%(tion o) Lt

PLS SA;ING BANK AC %SA&T&is tye o) ((o%nt is )or t&ose ersons &o nt to 6e s6ll s*ing.

T&is tye o) ((o%nt is oened it& 6ini6%6 deosits o) Rs.1000! Under t&iss(&e6e deosits (n 7e 6de only % to (osting 6o%nt nd it&drls relloed ti(e ee or # ti6es 6ont&. ) 7ig 6o%nt is re%ired se*endys noti(e is re%ired 7e)ore t&e it&drl. T&e ro)it is id on t&ese((o%nts on t&e 6ini6%6 7ln(e d%ring 6ont& )or t&e &ole o) t&t 6ont&.Lt ot&er it&&olding tes re ded%(ted s er r%les o) t&e go*ern6ent.

$?P;ST $?PARTM?NT


25/114

KS0ALI BAC0AT AC %KBA&T&is is n d*n(e )ro6 o) P9S s*ing (' in t&is tye o) ((o%nt. T&e

6ini6%6 7ln(e re%ire6ent )or t&is tye is Rs. 2500! t&ere is lso restri(tion

on t&e n%67er o) it&drls s ell' % to 4 ti6es in (lendr 6ont&. For6intining t&is etr 7ln(e t&e (%sto6er gets t&e 7ene)its o) ro)it (l(%ltionon dily rod%(t 7sis nd lso )ree ser*i(e o) stnding instr%(tion o) ying%tility 7ills nd HBF3 instll6ents. All ot&er r%les o) s*ing ((o%nt reli(7le.

PLS 6:9 SA;ING ACT&is is se(il tye o) s*ing ((o%nt in &i(& (%sto6er 6intins

6ini6%6 7ln(e o) Rs.@00'000! nd in t%rn &e gets t&e 7ene)its o) dily ro)it(l(%ltion nd lso t&ere is no restri(tion on t&e 6i6%6 n%67er o)it&drls s s t&ere in t&e (se o) -BA. T&ere is lso not&er d*ntge o)

t&is s(&e6e t&t i) 7ln(e on rti(%lr dy )lls 7elo t&e 6ini6%6 7ln(et&en only t&e rod%(t o) t&t dy is ignored &eres in -BA' i) 7ln(e )lls7elo t&e 6ini6%6 li6it t&en ll t&e rod%(ts )or t&t 6ont& re ignored on inot&er ords no ro)it is id )or t&t 6ont&.

K0AN= BAC0AT SC0E=ET&ere is tye o) ter6 deosit' in t&is tye o) deosit 6de 7y t&e

((o%nt &older in t&is ((o%nt )or 6ini6%6 o) 10 yers. A)ter t&e eiry o)ter6' &e re(ei*es &is )%nds long it& ro)it )or t&e tenor. T&e distin(ti*e )et%reo) t&is rod%(t is t&t ro)it is (l(%lted on 6ont&ly 7sis nd (&rged to((o%nt on end o) e(& &l) yer. T&en ro)it is lso (l(%lted on t&t 6o%nt o)

ro)it &i(& is (redited to t&e (%sto6ers ((o%nt. So e (n sy t&t in t&is tyeo) ((o%nt t&ere is (on(et o) ((%6%lted ro)its on ro)it. T&is ends in getting &e*y ret%rn )or t&e deositor t t&e end o) tenor )or &is s6ll s*ings. T&isrod%(t s (t%lly introd%(ed to ro6ote s*ing &7its in t&e eole. Ltnd it&&olding tes re ded%(ted s er r%les only t t&e ti6e o) 6t%rity &ile6ing y6ent to t&e (%sto6er.

0AJJ =BARIK SC0E=ET&is is lso *ery (losely relted it& -&n%6 B(&t s(&e6e. T&is s

designed to &el t&e ersons &o re illing to o))er H88 7%t re %n7le to s*ere%ired )%nds. n t&is deosits s(&e6es' 2 or @ yers gree6ent is entered it& (%sto6er. $%ring t&is ti6e &e ees on deositing 6ont&ly deosits nd &is((o%nt is (&rged it& t&e ((%6%lted ro)its (l(%lted on J 6ont&ly 7ses.T&e s(&e6e is so designed t&t totl 6o%nt to 7e re(ei*ed t t&e end o) t&iss(&e6e (o6es e%l to t&e nti(ited (ost o) o))ering H88 t t&e end o) tenor.Lt it&&olding t re ded%(ted t t&e ti6e o) y6ent.


26/114

=ONT0LY KS0ALI SC0E=ET&is s(&e6e is si6ilr to 3+3 in t&e sense t&t n initil deosit is 6de

in t&is (se lso 7%t insted o) l%6 s%6 y6ent t t&e end o) t&e tenor' t&e

erson gets 6ont&ly ro)it on &is deosit. Under t&is s(&e6e' t&e 7n &s

g%rnteed 6ini6%6 rte o) 1K er 6ont& 7%t %s%lly t&is rte is 6ore t&n 1K

er 6ont&. Lt it&&olding t re (l(%lted s er r%les lid don 7y t&e

go*ern6ent.

PLS TER= ?EPOSIT RECEITS %T?RS&

T&is is tye o) ter6 deosit in &i(& re(eit is iss%ed )or *rying tenors

rnging )ro6 1 6ont& to 5 yers or 6ore. T&ese re in t&e )or6 o) re(eits nd

ro)it on t&ese re(eits is id 7inn%lly. T&ese re(eits re en(s&7le )tereiry o) t&e eriod )or &i(& t&ey ere iss%ed. $i))erent ro)it rtes re lied

to di))erent tye o) T$RS

SPECIAL NOTICE ?EPOSITS %SN?&

Under t&is deosit s(&e6e' deosit is re(ei*ed )ro6 t&e deositor %nder

t&e (ondition t&t &e ill inti6te t&e 7n 7e)ore (ertin eriod in (se o)

it&drls. T&ere re to tyes o) SN$s' T&ey re " dys nd @0 dys noti(e

deosits. T&e ro)it is id on t&ese deosits 7%t it is nerly e%i*lent to s*ing

((o%nt rte.

FNCTIONS

T&is s 7rie) re*ie o) di))erent tyes o) deosit s(&e6es. T&e deosit

dert6ent &ndles t&e ((o%nt oening' ro)it y6ent nd ((o%nting o) ll

tyes o) deosit s(&e6es.

ACCONT OPENING

A((o%nt oening is n gree6ent in &i(& (%sto6er o))ers &is )%nds nd

7n ((ets t&ese )%nds' t&ere)ore t&e nt%re o) reltion 7eteen 7ner nd

(%sto6er is o) (ontr(t%l one nd ll t&e (onditions li(7le to t&is (ontr(t

(t re lso li(7le.


27/114

PROCE?RE FOR OPENING

Pro(ed%re )or oening o) ((o%nt is s )ollos:

A erson' &o nts to oen ny ind o) ((o%nt' &s to )ill in rinted

)or6 &i(& is ro*ided 7y t&e 7n' )ree o) (ost. Serte ((o%nt oening )or6s

re %sed )or di))erent tyes o) ((o%nts.

Bn %s%lly re%ires t&t ne deositor 6%st 7e introd%(er 7y so6e one.

An introd%(er (n 7e ny erson nos to t&e 7n 7%t re)er7ly it s&o%ld 7e

(%sto6er o) t&e 7n. Hoe*er' t&e 6nger (n oen t&e ((o%nt 7y &is on

introd%(tion.

) t&e 6nger is stis)ied' it ill o7tin t&e )%ll signt%re o) t&e (%sto6er'

on t&e )or6 nd se(i6en signt%re (rd' 6es t&e )irst deosit' nd iss%es t&e

(&e%e 7oo.

T&e )olloing re gi*en to t&e (%sto6er:

Py in sli is t&e roo) o) deosit. For e*ery y6ent &i(& is to 7e

deosited in t&e 7n' t&e y in sli is to 7e )illed %. T&e o78e(t o) t&is 7oo is

to ro*ide t&e (%sto6er it& t&e 7ns (noledg6ent )or re(eit o) 6oney to

7e (redited t&is ((o%nt.

3&e%e Boo (ontins n%67er o) (&e%es. t en7les (%sto6er to6e it&drl )ro6 t&is ((o%nt or 6e y6ent o) *rio%s rties 7y iss%e

o) (&e%e.

Pss Boo is (oy o) t&e (%sto6er ((o%nt s ers in t&e 7oos o)

t&e 7n. Bln(e is re(orded in t&is 7oo 7y t&e (ler.

NOTE

1> n (se o) rtners&i ((o%nt' rtners&i deed s&o%ld 7e tt(&ed.

2> n (se o) (o6nies 6e6ornd%6 nd rti(le o) sso(ition'

(erti)i(te o) in(orortion' (erti)i(te )or (o66en(e6ent o) 7%siness'

list o) dire(tors nd 7ord resol%tion )or oening o) ((o%nt is lso

o7tined )ro6 t&e (%sto6er.


28/114

@> A((o%nts o) Tr%sts' ?e(%tors Ad6inistrtors (n lso 7e oened

7%t it& t&e rior ro*l o) t&e Hed ;))i(e.

Pro)it y6ent (l(%ltion is done in ((ordn(e it& t&e r%les o) e(& tye o)

deosit s(&e6e 7y t&e deosit dert6ent. T&e rod%(ts )or e(& deosit

s(&e6e re (l(%lted sertely nd dded till t&e end o) J 6ont& eriod. T&en

t&e s%6 totl o) t&ese rod%(ts is 6%ltilied it& t&e rese(ti*e ro)it rtes &i(&

re iss%ed 7y t&e Hed ;))i(e t t&e end o) e(& &l) yerly (losing. T&e ro)it

ro*isions )or e(& tye o) deosits re lso (l(%lted on 6ont&ly 7sis 7y t&e

s6e dert6ent in order to (l(%lte t&e net ro)it or loss osition o) t&e 7rn(&.

A((o%nting entries re lso 6de in t&e rese(ti*e 7oos o)

((o%nt 7y t&is dert6ent. Hoe*er' in s6ll nd 6edi%6 si,e 7rn(&es'

t&e ((o%ntnt er)or6s t&e 7oo eeing d%ties )or ll inds o) ledgers.


29/114

?*ery 7ner (ts 7ot& s ying s ell s (olle(ting 7ner' it is &oe*ern i6ortnt )%n(tion o) (rossed (&e%es. A lrge rt o) t&is or is (rried o%tt&ro%g& t&e 7ners (lering &o%se.

A (lering &o%se is l(e &ere reresentti*e o) ll 7ns o) t&e (ity

get toget&er nd settle t&e re(eits nd y6ent o) (&e%es drn on e(&ot&er. As t&e (olle(ting 7ner r%ns (ertin riss in re(eit o) t&eir oners&i t&el &s ro*ided (ertin rote(tion to t&e 7ns.

T&e negoti7le instr%6ent A(t' 1##1 lys don t drer or &older o) (&e%e or dr)t 6y (ross t&e instr%6ent generlly or se(illy. t )%rt&er liesdon t&t (rossed (&e%e (n only 7e id to 7ner' &o (olle(ts it )or (%sto6er in good )it& nd it&o%t negligen(e.

TYPES OF C0E1E COLLECTE?TRANSF?R 3H?QU?S

Trns)er (&e%es re t&ose (&e%es' &i(& re (olle(ted nd id

7y t&e s6e 7rn(& o) 7n.

TRANSFER ?ELI;ERY C0E1ET&ese re t&ose (&e%es' &i(& re (olle(ted nd id 7y to di))erent7rn(&es o) t&e s6e 7n sit%ted in t&e s6e (ity.

CLEARING C0E1ES3lering (&e%es re t&ose (&e%es' &i(& re drn on t&e 7rn(&es o)

so6e ot&er 7n o) t&e s6e (ity or o) t&e s6e re' &i(& is (o*ered 7y rti(%lr (lering &o%se. No dys NFT is er)or6s t&e d%ty o) (lering&o%se.

COLLECTING C0E1ES3olle(ting (&e%es re t&ose (&e%es' &i(& re drn on t&e 7rn(&es

o) eit&er t&e s6e 7n or o) not&er 7n' 7%t t&ose 7rn(&es re not in t&es6e (ity or t&ey re not t&e 6e67er o) (lering &o%se.

FNCTION OF CLEARING ?EPART=ENT1> To ((et trns)er' trns)er deli*ery' (lering nd (olle(tion (&e%e

)ro6 t&e (%sto6er o) t&e 7rn(& nd to rrnge )or t&eir (olle(tion.2> To rrnge t&e y6ent o) (&e%e drn on t&e 7rn(& nd gi*en )or

(olle(tion to ny ot&er 7rn(& on P33 or ny ot&er 6e67ers or s%76e67er o) t&e lo(l (lering &o%se.

@> To (olle(t 6o%nt o) (&e%es drn on 6e67ers' s%7 6e67er o) lo(l(lering &o%se' sent )or (olle(tion 7y P33 7rn(&es' not reresentedt t&e lo(l (lering &o%se.

CLEARING ?EPART=ENT


30/114

CO==ON PROCE?RE FOR ALL C0E1ES> Re(ei*ing nd s(r%tini,ing t&e (&e%es nd ot&er deosit instr%6ent'

nd t&e y in sli t t&e (o%nter.7> Fiing t&e st6s(> S(r%tiny nd re(eit 7y t&e %t&ori,ed o))i(er.

d> Ret%rning t&e (o%nter )ile to t&e deositor.e> 3erti)i(te nd (on)ir6tion 7y t&e o))i(er in (&rge o) t&e dert6ent.)> Sertion t&e (&e%e into trns)er' trns)er deli*ery' nd (lering

(&e%es.

SCRTINY OF C0E1ES1> T&e instr%6ent s&o%ld 7e neit&er stle' nor ost dted.2> ) t&e instr%6ent is (rossed not negoti7le it (n 7e )or t&e t&ird rty

T&e (&e%e or dr)ts s&o%ld not 7e (rossed se(illy to ny ot&er

7n.I> A (&e%e y7le to )ir6 s&o%ld not 7e ((eted )or (redited to

rtners ((o%nt.10> A (&e%e y7le to one o) t&e 8oint ((o%nt &olders s&o%ld not 7e

(olle(ted )or t&e 8oint ((o%nt it&o%t t&e yees endorse6ent' or(onsent.

11> A (&e%e drn 7y (%sto6er in t&e ((ity o) gent' ttorney' orMnger o) &is (o6ny or )ir6' s&o%ld not 7e (olle(ted )or (redit to&is ersonl ((o%nt.

12> Py order' lt&o%g& negoti7le s&o%ld not 7e (olle(ted )or t&irtyrties.

1@> $o not (olle(t n instr%6ent in t&e ((o%nt o) n gent or o) t&eser*nt o) t&e yee or endorsee o) t&e instr%6ent.

14> Not trns)er7le C instr%6ent' lie Telegr&i( Trns)er' or MilTrns)er Re(eit' y sli' nd Tres%ry Re(eits' s&o%ld 7e (olle(ted)or erson ot&er yee.

15> ) n ((o%nt is ne or t&e 7ln(e or oertion o) t&e ((o%nt is notstis)(tory' stis)y yo%r sel) 7o%t t&e title o) t&e (%sto6ers to t&einstr%6ents 7e)ore ((eting t&e deosit.

1J> Brn(& gents er6ission s&o%ld 7e o7tined 7e)ore ((eting t&ird rty (&e%e or dr)t )or t&e (redit o) t&e 6e67er.

1"> ) t&e yee is +o*ern6ent $ert6ent' +o*ern6ent ;))i(il' or tr%st ((o%nt t&e instr%6ent (nnot 7e (olle(ted' 7%t )or t&e yees((o%nt.


31/114

1#> All t&e endorse6ent s&o%ld 7e reg%lr' nd no endorse6ent s&o%ld7e 6issing.

NOTENo (&rges re (&rged 7y t&e 7n )or t&is %rose.

NIFT % NATIONAL INSTITTION FACILITATION TECNOLOGIES&

Stte Bn %t&ori,ed NFTC to (olle(t ll t&e se(i)ied (&e%es o) t&e7rn(& drn on di))erent 7rn(&es nd )ter t&e sertion o) e(& 7rn(&(&e%es' NFT ro*ide *l%7le (ontri7%tion in t&e )ield o) (lering. T&e totlro(ess o) t&e (lering (o6leted in se(i)ied ti6e. T&ere re t&ree tyes o)(lering.

1> nrd (lering2> ;%t rd (lering

@> nter(ity (lering

IN-AR? CLEARINGAt t&e *ery 7eginning o) t&e dy ll t&e re*io%s dy (&e%e resented

t&ro%g& Ni)tC' t&ese re (lled inrds (lering o) t&e 7n. n &i(& so6e ere(lered nd so6e o) t&ese (&e%es ret%rns ((ording to se(i)ied reson.

OT-AR? CLERINGn t&e (lering dert6ent di))erent lo(l (&e%es ere (olle(ted 7y t&e

7n' NFT (olle(t t&ese (&e%es 7y s6e dy. T&ese (&e%es re (lledo%trd (lering o) t&e 7n.

INTERCITY CLEARINGn t&e (lering dert6ent' so6e (&e%es ere o%tsttion nd resented

t&ro%g& NFTC )or t&e se(i)ied 7rn(&' t&ese re (lled inter(ity (lering o) t&e7n.


32/114

/e (n s&o so6e (lering s(&ed%le s )ollos.

2J0"200" I:00 6 NFT

SA9-;T 39?ARN+

Bn P33 3;MM?R3A9 BAN- 9T$ ge 1 o) 1

BRAN3H NAM? T?MS AM;UNT

R?3??$ B ;U

0I01 SHAHABPURA 50 @'@@@'1"2.00

0I02 -ASHMR R;A$ 25 2'025'"44.00

4@01 $AS-A BRAN3H 10 25'000.00

$?9?R?$ B ;U

0I01 0I01 SHAHABPURA "0 4'000'000.00

0I02 -ASHMR R;A$ 20 2' 00'000.00

4@01 $AS-A BRAN3H 5 1' 00'000.00

BAN- SUMMAR T?MS AM;UNT

T;TA9 R?3?3?$ #5 5'@#'@I1J.00

T;TA9 $?9?R?$ I5 4'@0'0000.00

N?T 10#@I1J.00


33/114

2#0"200" I:00 6 NFT

SA9-;T 39?ARN+

Bn P33 3;MM?R3A9 BAN- 9T$ ge 1 o) 1


R?3??$ B ;U

0I01 SHAHABPURA 50 1'000'000.00

0I02 -ASHMR R;A$ 25 20'000.00

4@01 $AS-A BRAN3H 10 25'000.00

$?9?R?$ B ;U

0I01 0I01 SHAHABPURA 100 1'000'000.00

0I02 -ASHMR R;A$ 50 100'000.00

4@01 $AS-A BRAN3H 25 100'000.00

BAN- SUMMAR T?MS AM;UNT

T;TA9 R?3?3?$ #5 1'045'000.00

T;TA9 $?9?R?$ 1"5 1'200'000.00

N?T 15' 5000.00


34/114

NFT

SA9-;T 39?ARN+ R?TURN

250"200" 14.00 P6 PA+? 1 ;F 1


R?3??$ B ;U

0I01 SHAHABPURA 10 100'000.00

0I02 -ASHMR R;A$ 5 10'000.00

4@01 $AS-A 1 10'000.00

$?9?R?$ B ;U

0I01 SHAHABPURA 5 50'000.00


35/114

0I02 -ASHMR R;A$ @ 1'000.00

4@01 $AS-A 1 2'000.00

BAN- SUMMAR

T;TA9 R?3??$ 1J 120'000.00

T;TA9 $?9?R?$ I 5@'000.00

N?T BA9AN3? J"'000.00

NFT

SA9-;T 39?ARN+ R?TURN

240"200" 14.00 P6 PA+? 1 ;F 1


R?3??$ B ;U

0I01 SHAHABPURA 5 50'000.00

0I02 -ASHMR R;A$ @ 1'000.00

4@01 $AS-A 1 2'000.00


36/114

$?9?R?$ B ;U

0I01 SHAHABPURA 10 100'000.00

0I02 -ASHMR R;A$ 5 10'000.00

4@01 $AS-A 1 10'000.00

BAN- SUMMAR

T;TA9 R?3??$ I 5@'000.00

T;TA9 $?9?R?$ 1J 120'000.00

N?T BA9AN3? J"'000.00

NFT P33 3;MM?R3A9 BAN- 9MT?$

9AH;R? T; SA9-;T

NT?R3T 39?ARN+

220"200" 10.00 AM

R?3??$

T?MS AM;UNT


37/114

0I01 SAHABPURA 15 500'000.00

$?9?R?$

SA9-;T T; 9AH;R?

NT?R3T 39?ARN+

0401 9AH;R? 10 @00'000.00

T;TA9 R?3??$ 15 500'000.00

T;TA9 $?9?R?$ 10 @00'000.00

N?T BA9AN3? 200'000.00

NFT P33 3;MM?R3A9 BAN- 9MT?$

9AH;R? T; SA9-;T

NT?R3T 39?ARN+


38/114

200"200" 10.00 AM

R?3??$

T?MS AM;UNT

0I01 SAHABPURA 10 @00'000.00

$?9?R?$

SA9-;T T; 9AH;R?

NT?R3T 39?ARN+

0401 9AH;R? 15 500'000.00

T;TA9 R?3??$ 10 @00'000.00

T;TA9 $?9?R?$ 15 500'000.00

N?T BA9AN3? 200'000.00

RE=ITTANCES


39/114

?E=AN? ?RAFT

$e6nd $r)t is ritten order drn 7y 7rn(& o) 7n %on t&e7rn(& o) s6e or ny ot&er 7n to y (ertin s%6 o) 6oney to or to t&e ordero) se(i)ied erson.

1> $e6nd dr)t is negoti7le instr%6ent.2> 9egl ro*isions re s t&t o) (&e%e@> t is to 7e ens%red t&t %r(&ser (n t lest sign.4> T&%67 eression is not ((eted on $$T&e )olloing re t&e rties.

> %r(&ser7> iss%ing 7rn(&(> dree 7rn(&d> yee

A $e6nd $r)t 6 7e iss%ed ginst t&e ritten re%est o) t&e (%sto6er7e)ore iss%ing it 6%st 7e seen t&t t&e de6nd dr)t is in order.

SCRTINY OF APPLICATIONT&e $$ li(tion 6%st 7e s(r%tini,ed 7y t&e (o%nter (ler in rese(t o)

)olloing oints.A> T&ere s&o%ld 7e 7rn(& &ere y6ent is to 7e 6de.B> F%ll n6e o) t&e yer s&o%ld 7e 6entioned3> A6o%nt in ords nd )ig%res 6%st 7e s6e$> Ali(tion to 7e signed 7y t&e %r(&ser

TELEGRAP0IC TRANSFER1> Trns)er o) )%nds )ro6 one 7rn(& to not&er 7rn(& o) t&e s6e 7n

or %on ot&er 7n %nder se(il rrnge6ents.2> Telegr&i( trns)er is not negoti7le@> T&e )%nds re not y7le to 7erer4> Minor (nnot *il t&is )(ility

PARTIESFolloing re t&e rties in*ol*ed

A> Ali(ntB> $ring 7rn(&3> $ree 7rn(&$> Bene)i(iry

F%ll n6e o) t&e 7ene)i(iry or ((o%nt n%67er s&o%ld 7e 6entioned in t&eli(tion )or6.

?> nstr%(tion regrding 6ode o) y6ent s&o%ld 7e o7tined.F> A re(ord in t&e re6ittn(e o%trd register s&o%ld 7e 6intined.+> All t&e re6ittn(e 6%st 7e (ontrolled t&ro%g& n%67er.

PAY OR?ER


40/114

1> Py ;rder is 6ent )or 7n on y6ent 7%t in r(ti(e t&ey re lsoiss%ed to (%sto6ers.2> A y order is ritten %t&ori,tion )or y6ent 6de in re(eit )ro6iss%ed nd y7le 7y t&e 7n' to t&e erson n6ed nd ddress.T&e )olloing re t&e rties

A> %r(&serB> iss%ing 7rn(&3> yee3&rges 6%st 7e re(o*ered t res(ri7ed rte.Py order s&o%ld 7e rered lie de6nd dr)t.

A re(ord o) ll iss%ed nd id s&o%ld 7e 6intined.3redit *o%(&er s&o%ld 7e rered.


41/114

Te(&nologi(l d*n(e6ent re lso e))e(ting t&e 7ning ind%stry. T&e)oreign 7ns &*e (o6etiti*e edge o*er ll lo(l 7ns t&eir te(&nologies'd*n(e6ent nd %to6ted syste6s. 9o(l 7ns &*e lso reli,ed t&egr*ity oil t&is sit%tion nd lso stri*ing to dd (o6%teri,ed syste6s to t&eir7rn(&es.

P33 is &ed o) ll ot&er lo(l 7ns in t&is )ield nd t&ere re 6ore t&n200 7rn(&es o) P33 ll o*er Pistn nd ll t&e 7rn(&es re )%lly(o6%teri,ed.

P33 &s lso introd%(ed t&e no (on(et o) online 7ning. T&ere re6ore t&n 200 7rn(&es lined t&ro%g& t&is syste6 nd t&ey (n trns(t it&

e(& ot&er dire(tly %sing (o6%ter syste6s t t&eir on 7rn(&es. No(%sto6ers do not &*e to it long )or t&ere trns(tions nd (n oerte t&eir((o%nt t&ro%g& ll t&e online 7rn(&es.

ATM N?T/;R-ATM stnds )or %to6ti( teller M(&ine. T&is 6(&ine is %sed to trns(t

in ones ((o%nt it&o%t inter*ention o) &%6ns. T&ese 6(&ines re 7si(lly%sed )or ting (s&' (on)ir6ing 7ln(es nd re%esting stte6ents' (&e%e7oos.

P33 &s t&e lrge ATM netor in t&e (o%ntry t t&e 6o6ent it&l6ost one ATM t e(& online 7rn(&. T&is netor (o*ers 6ore t&n t&e 50

(ities o) Pistn in(l%ding t&e ro*in(il (itls nd lrge (o66er(il (ities o)t&e (o%ntry.ATM re oerted t&ro%g& (rd iss%ed to t&e *l%ed (%sto6ers nd 7y

li(tion o) ersonl identi)i(tion n%67er . A erson (nit&dr )ro6 ny 7rn(& o) P33. T&is s only ossi7le it& t&e &el o)online syste6. n t&is syste6 ll t&e 6(&ines re lined to (entrl 7ning &ost tRM di*ision -r(&i t&ro%g& eit&er stellite or tele&one (ontroller. T&is syste6identi)ies t&e (rd &older nd &is PN N%67er.P33 /?BST?

P33 &s lso initited its on e7site on internet it& t&e ddress..i(i(.(o6.

TEC0NOLOGY ?EPART=ENT
http://www.picic.com.pk/http://www.picic.com.pk/


42/114

BRAN3H 3;$? BRAN3H NAM?

0001 -ARA3H MAN

0002 +U9SHAN!?!QBA9 -ARA3H000@ 39FT;N BRAN3H -ARA3H

0004 =;$A BALAR -ARA3H

0005 LAMLAMA -ARA3H

000J H$?R -ARA3H

000" SHAHR!!FASA9 -ARA3H

000# N?/ 3HA99 -ARA3H

000I $?F?N3? -ARA3H

0010 +U9SHAN!?!=;HAR -ARA3H

0011 ST? -ARA3H

0012 SABA A?NU? -ARA3H

001@ SHAH??$!?!M99AT -ARA3H0014 SA$$AR -ARA3H

0015 N;RTH -ARA3H

001J M.A =NNAH R;A$ -ARA3H

001" N;RTH NAP?R R;A$ -ARA3H

001# ST;3- ?3HAN+? -ARA3H

001I 39;TH MAR-?T -ARA3H

0020 TMB?R MAR-?T -ARA3H

0021 +AR$?N ?AST -ARA3H

0022 A9 SHABR AHM?$ USMAN -ARA3H

002@ -;RAN+ N$ AR?A -ARA3H

0024 =AMSH?$ QUART?RS -ARA3H

0025 -$A STA$UM R;A$ -ARA3H

002J P$3 H;US? -ARA3H

002" +U9BAHAR -ARA3H

002# PA-STAN 3H;/- -ARA3H

002I FB AR?A -ARA3H

00@0 TARQ R;A$ -ARA3H

00@1 MA9R HA9T -ARA3H

00@2 B;9TAN MAR-?T

00@@ BA9A/A9 H;US? -ARA3H

00@4 $HA PHAS?1 -ARA3H00@5 /?ST /HARF -ARA3H

00@J NSHTAR R;A$ -ARA3H

00@" SH?R SHAH -ARA3H

00@# N;RTH -ARA3H

00@I $HA PHA?S -ARA3H

0040 RASHA$ MNHAS R;A$ -ARA3H

0041 +U9LAR H=R -ARA3H

BRANC0ES NET-ORK


43/114

0042 NALAMABA$ -ARA3H

004@ SHAH FASA9 3;9;N -ARA3H

00I0 TR?ASUR -ARA3H

00II H?A$ ;FF3? -ARA3H

0101 QU?TTA MAN

0102 MAS=$ R;A$ QU?TTA0201 MRPUR MAN

0@01 P?SHA/AR MAN

0@02 HAATABA$ P?SHA/AR

0@0@ P?SHA/AR 3T

0@04 UN?RST R;A$ P?SHA/AR

0401 9AH;R? MAN

0402 +U9B?R+ 9AH;R?

040@ $HA 9AH;R?

0404 M;$?9 T;/N 9AH;R?

0405 BAN- SQUAR? 9AH;R?

040J 3R3U9AR R;A$ 9AH;R?040" BA$AM BA+H 9AH;R?

040# A99AMA QBA9 T;/N 9AH;R?

040I PA3-A+?S 9AH;R?

0410 +U9SHAN!?! RA 9AH;R?

0411 3AA9AR +R;UN$ 9AH;R?

0412 TMB?R MAR-?T 9AH;R?

041@ +AR$?N T;/N 9AH;R?

0414 MU+HA9 PURA 9AH;R?

0415 /AP$A T;/N 9AH;R?

041J =A9 R;A$ 9AH;R?

041" SHAH$RA 9AH;R?

041# $HA PHAS? 1 9AH;R?

041I +HAL R;A$ 9AH;R?

0420 =;HAR T;/N 9AH;R?

0421 /AH$AT R;A$ 9AH;R?

0422 F?R;L?PUR R;A$ 9AH;R?

042@ $HA PHAS?

0424 MU9TAN R;A$ 9AH;R?


44/114

0501 MU9TAN MAN

0J01 B9U? AR?A S9AMABA$

0J02 TH? MA99 RA/A9PN$

0J0@ SAT?99T? T;/N RA/A9PN$0J04 ST;3- ?3HAN+? S9AMABA$

0J05 MAR-AL F!11

0J0J RA/A9PN$ 3T

0J0" F!# MAR-AL S9AMABA$

0J0# TMB?R MAR-?T RA/A9PN$

0J0I A$A9A RA/A9PN$

0J10 S9AMABA$ H+H/A P/$

0"01 FASA9ABA$ MAN

0"02 M99AT R;A$ FASA9ABA$

0#01 H$?RABA$ MAN

0#02 MAR-?T AR?A H$?RABA$0#0@ 9ATFABA$ H$?RABA$

0I01 SA9-;T MAN

0I02 -ASHMR R;A$ SA9-;T

1001 SAR+;$HA

1101 +U=RAN/A9A

1201 +U=RAT

1@01 MAR$AN

1401 3HAMAN

1J01 TAN$; A99AHTAR

1"01 SAH/A9 MAN

1#01 BAHA/A9PUR

1I01 -ASUR

2001 MAN+;RA S/AT

2101 MRPUR-HAS SN$AH

2201 -HARAN

2@01 +U=AR -HAN

2401 MAN$ BAHA/$N

2501 SU--HAR

2J01 N;/SH?RAH

2"01 9A9A MUSA

2#01 /ALRABA$2I01 /AH 3ANTT

@001 =H?9UM

@101 -;HAT

@201 MURR??


45/114

@@01 SHAH$A$PUR

@401 TAN$; A$AM

@501 ;-ARA

@J01 +HA-HAR MAN$@"01 3HA-/A9

@#01 ATT;3-

@I01 9A$-ANA

4001 =HAN+

4101 -AM;-

4201 ARP;RT R;A$ +A/A$AR

4@01 $AS-A

4401 $NA

4501 -UNR

4J01 -ARAN/A9A

4"01 NA/ABSHAH


46/114

=ANAGE=ENT OF T0E BRANC0

Mr. B&,d Rs&eed 3&ie) Mnger

Mr. Sr)r, 78 ;ertionl Mnger

Mr. S&&id )ti&r Foreign Trde ;))i(er

Mr. Msood A&6d Foreign Trde ;))i(er

Mr. A6ir Seed Foreign Trde ;))i(er

Mr.nyt +&ori Ad*n(es )inn(e ;))i(er

Mr.M&6ood Ad*n(es )inn(e ;))i(er

Mr. Adnn T&ir T 3ontrol ;))i(er

Mr. Ais -,6i ;B3 $ert6ent

Mr.S&ei& Asl6 3lering $ert6ent

Mr.Slee6 B%tt A((o%nt ;ening ;))i(er

Mr.As&r) 3s&ier

Mr.o%s) B%tt 3s&ier

Mr.Slr B%tt 3s&ier

Mr. Q66er B&der $ist(& Ride

Mr. As&) A&6ed Trinee

Mr. Fr&n B%tt Trinee

PICIC CO==ERCIAL BANK LI=ITE?=AIN BRANC0 S3I3E S0A0ABPRA SIALKOT


47/114

did 6y )inl ro8e(t in P33 3o66er(il Bn 9i6ited S..? S&7%r Silot.

And so6e i6ortnt in)or6tion 7o%t 6y 7rn(& &i(& o7ser*ed re s)ollos

GENERAL INFOR=ATION?EPOSITS

T&e totl deosit o) t&is 7o%t to 20".10 6illion.

N=BER OF ACCONTSA((o%nts in t&is 7rn(& o) P33 re s )ollos:

CRRENT ACCONT

Totl n%67ers o) (%rrent ((o%nts re 104I.

PLS ACCONTTotl n%67er o) ro)it nd loss ((o%nts is 2120.

RE=ITTANCETotl re6ittn(e o) t&is 7rn(& is 2J.22 6illion.

NO OF ;OC0ERST&e *o%(&ers &i(& re trns(ted in t&is 7rn(& re s )ollos:

TP?S $?BT 3R?$T

Trns)er IJ1 I013lering 5I1 #10

3s& 1"54 1@#I

Rte o) interest 4.45K

6i6%6 IK

T&t gi*es to t&is yer.

RATE OF INTERESTT&e rte o) interest ro*ided 7y s%(& 7n is 6ini6%6 4.45K nd

6i6%6 IK.

FINANCINGMny s&ort ter6s )inn(ing s(&e6es re 7eing delt &ere.

CAPITAL3itl o) t&e 7rn(& is treted in its Hed ;))i(e.

RE;ENES

INFPR=ATION ABOT =Y BRANC0


48/114

T&e totl re*en%es o) t&is 7rn(& re ner to 11.25 6illion.


49/114

n t&e P33 3o66er(il 7n 9i6ited' relly en8oyed oring it& t&e st)) o)S&&7%r rod 7rn(& nd &*ing is& to 7e e6loyee o) P33. t s

l6ost i6ossi7le to or in ll t&e dert6ents it&in t&t li6ited ti6e. B%t on6y re%est' t&e st)) o) t&e 7rn(& ro*ided 6e t&e oort%nity to or in t&edi))erent dert6ent )or t&e se o) r(ti(l noledge. )ell &ig&ly inde7ted toor in t&e S&&7%r rod 7rn(& on t&e re%est o) t&e (&ie) 6nger o) t&e7rn(& Mr. B&,d Rs&ed' 7e(%se lern lot in t&t 7rn(&.

$%ring 6y ro8e(t reort in t&e P33 s erly 6entioned t&t &*eored in di))erent dert6ent sets lernt t&e )olloings.

TILITY BILLS COLLECTIONP33 3o66er(il Bn 9i6ited (olle(ts %tility 7ills on 7e&l) o) /AP$A'

S%i +s 3o6nies' nd Pistn Tele(o66%ni(tion 3orortion 9i6ited 7y

%tting t&e st6 on t&e %tility 7ills idC' $te o) y6ent' signt%re o) t&eo))i(er re(ei*ing t&e %tility 7ills. A)ter re(ei*ing %tility 7ills list is 6de on t&e)or6 &i(& is (lled 7ills s(roll )or6. ;ne (oy o) t&e s(roll is it& t&e 7n )ore*iden(e &ere s t&e originl (oy it& t&e re(eit o) t&e 7ills is send to t&e7illing dert6ent o) t&e rese(ti*e (orortion. T&e 7n (&rge (o66ission ont&e 7ills.

OPENING NE- ACCONT BASICS$%ring t&e sn o) 6ine interns&i in P33 lerned nd o7ser*ed lot

o) 7o%t t&e oening o) n ((o%nt. Bsi(lly t&in t&t t&e oening o) n((o%nt is t&e est7lis&6ent o) (ontr(t%l reltions&i 7eteen t&e 7ner

nd t&e (%sto6er. By oening n ((o%nt t 7n erson 7e(o6es 3%sto6erC o) 7n. F%rt&er 6 going to eress t&e 7si( re%ire6ents ndstes in*ol*ed in t&e oening o) n ((o%nt.

IN;ESTIGATIONBe)ore oening n ((o%nt P33 s lie t&e ot&er 7ns in Pistn

s(ertin &et&er or not t&e erson &o is going to oen t&e ((o%nt is desir7le (%sto6er or not. T&en P33 deter6ine t&e rose(ti*e (%sto6ersintegrity' rese(t7ility' o((%tion nd t&e nt%re o) 7%siness 7y t&e introd%(toryre)eren(e gi*en t t&e ti6e o) ((o%nt oening. Negligen(e in t&is in)or6lreli6inry in*estigtion 6y res%lt in serio%s (onse%en(es not only )or t&e7ner (on(erned dire(tly 7%t lso )or ot&er 7ners nd t&e generl %7li( &o6 7e ))e(ted indire(tly. n 9d7roe 3o. Todd t&e 7ner did noto7tin introd%(tion t t&e ti6e o) oening t&e ((o%nt' nd it s (onstr%ednegligen(e &i(& Se(tion #2 o) t&e 7ills o) ?(&nge A(t 1##2.

n order to )%rt&er strengt&en nd stre6line t&is ro(ess' t&e Federl;67%ds6n o) Pistn' *ide &is r%ling on (o6lint No. 11@151#J' &sdire(ted t&e 7ns to retin it& t&e ((o%nt oening )or6 P&otostt (oy e(&o) t&e Ntionl denti(l 3rd o) t&e erson desiring to oen n ((o%nt s ell

-ORK ?ONE BY =E


50/114

s t&t o) t&e introd%(er. As er t&ese dire(tions' t&e (on(erned 7rn(&Mngers re re%ired to o7tin t&e originl Ntionl dentity 3rds long it&t&eir P&otostt (oies nd t&en ret%rn t&e originl )ter ttesting t&e %t&enti(ityo) t&e retined (oy.

0O- TO OPEN AN ACCONTBe)ore oening n ((o%nt in P33 o7ser*ed t&t t&e )olloing oints6%st 7e (onsidered in t&is regrd.

1. Anot&er ((o%nt &older o) t&e 7n s&o%ld roerly t&e ne (%sto6er.2. T&e ((o%nt &older s&o%ld sign t&e ((o%nt oening )or6 in t&e resen(e

o) 7n o))i(er nd t&e signt%re is d%ly *eri)ied.@. A (oy o) identity (rd is re%ired 7y 7n.4. Aginst s%76ission o) t&e 7ns res(ri7ed li(tion )or6' d%ly

introd%(ed in t&e 6nner ro*ided nd s%lying s%(& do(%6ent' s 6y7e re%ired nd ((o%nt 6y 7e oened. T&e 7n reser*es to itsel) t&e

rig&t to re)%se to oen nd ((o%nt it&o%t ssigning ny reson.5. ?(& ((o%nt s&ll 7e llotted distin(t n%67er t&t is to 7e %oted in ll(orresonden(e it& t&e 7n reltion to t&e ((o%nt.

J. Mini6%6 6o%nt to oen n ((o%nt is re%ired regrding t&e nt%re o)((o%nt.

PROCE?RE TO OPEN AN ACCONTA((ording to 6y r(ti(e in P33' &en (%sto6er nts to oen n

((o%nt' t&e 7n o))i(er gi*es &i6 n li(tion )or6. All in)or6tion' &i(& isne(essry to 7e non 7y t&e 7n' re re%ire6ents o) t&e li(tion )or6.For6 lso re%ires t&e essentil do(%6ents to 7e tt(&ed 7y t&e (%sto6er.

Bsi(lly )olloing in)or6tion is re%ired to oen n ((o%nt it& P33.

1> Title o) A((o%nt2> F%ll n6e o) li(nt@> ;((%tion4> Address5> Tele&one NoJ> 3%rren(y o) ((o%nt"> Nt%re o) B%siness#> ntrod%(ers n6e' ddress signt%resI> Se(il instr%(tion regrding t&e ((o%nt10>nitil 6o%nt o) t&e deosit11>Signt%re o) t&e li(nt

PROCE?RE TO 0ONOR A C0E1E$%ring 6y interns&i trining in t&e P33 3o66er(il Bn 9i6ited'

o7ser*ed nd )o%nd (&e%es re re(ei*ed )or t&e )olloing %roses.A> For 3s& Py6ents


51/114

B> For Trns)er3> For 3lering

A& FOR CAS0 PAY=ENTS

3&e%es &i(& re resented on 7n (o%nter 6%st 7e (&e(ed in t&e)olloing y:1> $te2> Signt%re o) drer@> Signt%re o) yee4> /&et&er yee ((o%nt d%ly is t&ere5> ) (ondition 4 5 eist t&en (&e( t&e signt%re o) drerJ> Mt(& t&e )ig%re nd ordily 6o%nt o) (&e%e"> A (ross (&e%e (n not 7e (s&ed

B& C0E1E FOR TRANSFER

/&en (&e%e re resented to 7e sent )or (olle(tion nd drn on 7nsit%ted it&in t&e (ity t&en t&ere re t&ree st6s to 7e %t on )(e s ell son 7( o) (&e%e.

1> 3rossing st6 2> Trns)er st6 @> Bn 6nger st6

C& C0E1ES FOR CLEARINGT&ere re t&ree st6s %t on e(& (&e%e' sent )or (lering.1> 3rossing st62> 3lering st6

@> Mnger st6

C0E1ES IN COLLECTIONFirst o) ll t&ese (&e%es re re(orded in dy 7oo t&en llotted n%67er

nd t&en seril n%67er. T&en Per)or6 is rered in &i(& 7n on &o6s drn' (&e%e n%67er' 6o%nt' 7ene)i(iry n6e re re(orded. A)ter(o6leted t&t Per)or6' NFT (olle(t ll t&e (&e%e o) (lering.

CLEARINGFolloing in)or6tion is entered in (lering register.1> N6e o) )*oring rty2> N6e o) 7n on &o6 drn@> Brn(&4> 3&e%e n%67er5> A6o%nt3lering is sent )ter entering in register. n (lering register )%t%re dtend dy is P%tted.3&e%es nd *o%(&ers re t&en sertion nd(&e%es re sent )or (lering.


52/114

3&e%es re sent to NFT )ter ting t&e6 on (l(%ltor' t&eir totl6o%nt long it& totl n%67er o) instr%6ents. A s%66ry is rerednd seled )ter noting t&e n%67er o) sel in s%66ry.

ISSANCE OF C0E1E BOOK

$%ring 6y eriod o) interns&i in P33 o7ser*ed t&t &en ((o%nt isoened t&en (&e%e is iss%ed to t&e (%sto6er )or dring &is 6oney t err%les. Folloing ro(ed%re is doting )or t&e iss%n(e o) (&e%e./&en (%sto6er oen n ((o%nt it& ((o%nt. Hoe*er' t&e )irst (&e%e 7oois gi*en to t&e (%sto6er only &en ll t&e re%ired do(%6ent re (&e(ed. A(&e%e 7oo (ontins ten' tenty )i*e' )i)ty' or &%ndred le*es. T&e (&e%e 7oolso (rries re%isition sli )or t&e iss%n(e o) t&e ne (&e%e 7oo. T&is sliis d%ly )illed nd singed 7y t&e (%sto6er. T&e signt%re o) t&e (%sto6er is*eri)ied 7y t&e 7n nd ne (&e%e 7oo is iss%ed to t&e (%sto6er nd seriln%67ers o) t&e (&e%e re d%ly entered in t&e 7oo o) t&e 7n. Along it& t&esignt%re' erson s&o%ld lso rite &is )%ll n6e ddress. Us%lly only one

(&e%e 7oo is iss%ed t ti6e.T&e o))i(er ees nd 6intins t&e (&e%e 7oo register (&e%e 7ooin*entory nd (&e%e 7oos iss%ed re re(orded in t&is register. T&e ((o%ntn%67er )or &i(& t&e (&e%e 7oo is iss%ed nd t&e n%67er o) le*es re lsore(orded in t&is register &en t&e (&e%e 7oo iss%ed n entry is ssed in t&e(&e%e 7oo iss%e register.


53/114

PICIC CO==ERCIAL BANK LI=ITE?BALANCE S0EET %ASSETS&

AS ON 65ST?ECE=BER 448494:

Ru*ee# %444&

I!em 448 449 44:

3s& nd 7ln(e 125"1424 21255II00 1"#J"II1

Bln(e it& ot&er 7n 4"5"41@ @025J#I 21541I0

More t (ll s&ort noti(e J0J4@@2 154"051I @@#"4J20

n*est6ent @J4#0I1@ 554@22@5 #IJ0I#21

Ad*n(e #J@12"21 4J5#4120 "#I2@"@"

Fied ssets @4#2I50 @J5IJ4J @#25045

;t&er ssets 1@#J2@05 11400I0J ###@1J@

Totl 1"4"150J@ 1#"05@515 2@51@#5J"

FINANCIAL ANALYSIS


54/114

Ru*ee# %444&

I!em 448 449 44:

$eosit ot&er ((o%nt 1@5II014" 154544451 1#2"05"1JBorroing )ro6 7n 5#5J1I# #I4JJ24 21I#"#24

Bills y7le "#0@44@ #0I"1"# J2J1I5"

;t&ers #4@#055 #5"#240 I045J@4

S&re (itl 2202#55 242@140 2JJ5455

Preser*e 122""J@0 22"#I#0 @02J51"

Un!rorited ro)it @1#5 2#@I40 J21I#5

S%rl%s on )ied ssets 11##122 1I00IJ2 5@#4I@4

Totl 1"4"150J@ 1#"05@515 2@51@#5J"

PICIC CO==ERCIAL BANK LI=ITE?BALANCE S0EET %LIABILITY&

AS ON 65ST?ECE=BER 448494:


55/114

Ru*ee# %444&I!em In$"ea#e %?e$"ea#e& In$"ea#e %?e$"ea#e&

A6o%nt Kge A6o%nt Kge

3s& #J##4"J JI.11

Bln(e it& ot&er 7n


56/114

Ru*ee# %444&

I!em In$"ea#e %?e$"ea#e&

448449

In$"ea#e %?e$"ea#e&

44944:A6o%nt Kge A6o%nt Kge

$eosit nd ot&er((o%nt

1#554@04 [email protected] 2#1J12J5 1#22

Borroings


57/114

Ru*ee# %444&

i!em# 448 449 44:3s& ".21K 11@"K ".J0K

Bln(e it& ot&er 7n 2.0"@ 1.J1 0.I2

Money t (ll s&ortnoti(e

J.22 "."5 14.41

n*est6ent 24."1 2I.J" @#.11

Ad*n(e 4I.50 41 @@.5J

;erting )ied ssets 2.0" 1.I5 1.J2

;t&er ssets ".5" J.10 @."#

Totl 100K 100K 100K

PICIC CO==ERCIAL BANK LI=ITE?BALANCE S0EET %ASSETS&

;ERTICAL ANALYSISAS ON 65ST?ECE=BER 448494:


58/114

Ru*ee# %444&

I!em# 448 449 44:

$eosit nd ot&er ((o%nt "".#4K #2.J2K "#.#5K

Borroings I.J" 4."# I.4I

Bills y7le 4.4" 4.@2 2."0

;t&er li7ilities 4.#@ 4.5I @.I0

S&re (itl 1.2J 1.@0 1.15

Reser*e )%nd ot&er reser*es 1.@0 1.22 1.@0

Un!rorited ro)it .001# .15 .2"

S%rl%s on re*l%tion o) )ied

ssets

.J@ 1.02 2.@2

Totl 100K 100K 100K

PICIC CO==ERCIAL BANK LI=ITE?BALANCE S0EET %LIABILITIES&

;ERTICAL ANALYSISAS ON 65ST?ECE=BER 448494:


59/114

R%ees

ite6 2004 2005 200J

nterest ret%rn erned 1424242 1"0@@225 15@#5#JI

Fees (o66ission I0I045 #J#J@" I0"0"1

n(o6e )ro6 deling )oreign(%rren(y

J0I#@# J#"#54 50@5I@

$i*idend in(o6e 15#I0I 24@II4 2I""4#

;t&er in(o6e 10#5J14 400140 ##1"4J

Totl 1J##"J4# 1I2@@#50 1"I"J02"

PICIC CO==ERCIAL BANK LI=ITE?PROFIT AN? LOSS ACCONTS %INCO=E&

FOR T0E PERIO? EN?E? ?ECE=BER 448494:


60/114

Ru*ee# %444&

I!em# 448 449 44:3ost ret%rn on deosit "2@#J#0 "544#I" J0"4J#2

Ad6inistrti*e eense "12#J5# "@@1J2@ #0""@I5

Pro*ision )or di6in%tiont&e *l%e o) in*est6ent

4J04# J20J4 !

Pro*ision ginst non!er)or6ing d*n(e

J01"II 1"04I44 !

;t&er ro*isions @0000 40000 !

Bd de7ts 4#@I4@ 44#III "21105

;t&er (&rges @J"25 14" 1@1@

Pro)it 7e)ore t 1@21"I5 21011"J @101020

Ttion 5#"0JJ II@000 1@J242JTotl 1"4"4"14 2022J#50 1I@@"I41

PICIC CO==ERCIAL BANK LI=ITE?PROFIT AN? LOSS ACCONTS %EPENSES&



61/114

Ru*ee# %444&

I!em In$"ea#e %?e$"ea#e&448449

In$"ea#e %?e$"ea#e&44944:

A6o%nt Kge A6o%nt Kge

nterest ret%rnerned

2I0#I#@ 20.J0

Fees' (o66ission

et(

@#4@4 44.42

n(o6e )ro6deling )oreign

"#01J 12."I


62/114

Ru*ee#%444&

Amoun! Ma.e Amoun! Ma.e

3ost ret%rnon deosit

@0J21" 4.2@ < 14"0215 > 1I.4#

Ad6inistrti*eeense

202IJ5 2.#4 "45""2 10.1"

Pro*ision )ordi6in%tion

1J012J @4."# < J20J4 > < 100 >

Pro*isionginst non!er)or6ingd*n(es

110@145 1#@.@0 < 1"04@0# > < 100 >

;t&erro*isions

1000 @@ < 4000 > < 100 >

Bd de7ts ".22 2"210J J0J

Pro)it 7e)oret

""I@#1 5#.IJ III#44 4".5#

T 405I@4 JI.14 @JI42J @".20

PICIC CO==ERCIAL BANK LI=ITE?PROFIT AN? LOSS ACCONT %EPENSES&

0ORIDONTAL ANALYSISFOR T0E PERIO? EN?E? ?ECE=BER 448494:


63/114

I!em# 448 449 44:

nterest erned #@.JK ##.5JK #5.J0K

Fees' (o66issionet(

5.@# 4.52 5.04

n(o6e )or deling)oreign (%rren(y

@.J1 @.5# 5.04

$i*idend in(o6e 0.I4 1.2" 1.JJ

;t&er in(o6e J.4@ 2.0# 4.I1

Totl 100K 100K 100K

PICIC CO==ERCIAL BANK LI=ITE?PROFIT AN? LOSS ACCONT %INCO=E&

;ERTICAL ANALYSIS



64/114

T?MS 2004 2005 200J

K A+? K A+? K A+?

3ost ret%rn on deosit 41.42 @".@0 @1.41

Ad6inistrti*e eenses 41 @J.25 41."J

Pro*ision )or di6in%tiont&e *l%e o) in*est6ent

0.2J 0.@0J 00

Pro*ision ginst non!er)or6ing d*n(e

@.44 #.42 00

;t&er ro*isions 0.1" 0.20 00

Bd de7ts 2."J 2.25 @."2

;t&er (&rges 0.21 00 .00JPro)it 7e)ore t 4.5J 10.@I 1J.@5

Ttion @.@5 4.I0 ".05

Totl 100K 100K 100K

PICIC CO==ERCIAL BANK LI=ITE?PROFIT AN? LOSS ACCONT %EPENSES&

;ERTICAL ANALYSISFOR T0E PERIO? EN?E? ?ECE=BER 448494:


65/114

2001 200J

A%t&ori,ed s&re (itl 2000 @500Pid % (itl JJ@ 2JJ5

Reser*e )%nd ot&erreser*es

12010 @02"

Totl ssets < e(l > (ontr "542" 2@51@I

$eosits J2"#@ 1#2"0J

Ad*n(es @0"5@ "#I24

n*est6ents 2"#J4 #IJ10

6orts @2"@4 4##42

?orts 1JI@1 2#2#4

Ho6e re6ittn(e @02@ @2IJ2

Pre t ro)it @4J @10@No o) 7rn(&es 12I0 1045

No o) e6loyees 1@"J# 10I2J

No o) ((o%nts @41142" 44J@5@0

PERFOR=ANCE 445 44:


66/114

3s& is in(resed in 2005 7%t de(rese in 200JG it s&os t&t t&e li%idityosition o) t&e 7n is going to 7e e' so it is lr6ing sign )or t&e 7n.T&ere)ore 7n s&o%ld te ne(essry stes ((ording to t&e osition.

T&ere is de(resing trend in 7ln(e it& ot&er 7ns &i(& is negti*esign.

n(rese in 6oney t (ll nd s&ort noti(e' it 6ens t&t (%sto6ers o)7n re *ery %n(t%l in 6ing y6ents. T&ere)ore it is good sign )ort&e 7n.

n t&e )ield o) in*est6ent t&ere is in(resing trend it& t&e ssge o)ti6e. t is (o66on ter6 o) )inn(e 6ore in*est6ent 6ore ret%rn.

As e no t&t 6in so%r(e o) ro)it o) 7n is t&e di))eren(e 7eteent&e er(entges o) interest' 7ns y less rte o) interest t&n re(ei*ingt&e interest )ro6 t&e (%sto6ers. n t&is (se d*n(e to (%sto6ers *erylo in 2004 7%t in(rese in 200J' it 6ens t&t P33 is r%nning *ery ell.

P33 is in osition t&t it is erning 6ore nd 6ore ro)it it& ssgeo) ti6e. T&en 7n (n %r(&se 6ore nd 6ore )ied ssets' nd it is7n is doing. Assets o) t&e 7ns re in(resing dy 7y dy )or

%r(&sing t&e ssets. More ssets 6en t&t 7n &s 6ore ((ity toy o)) its li7ilities. T&ere is in(resing trend in )ield o) )ied ssets. t isd%e to %r(&se o) ne ssets.

;t&er ssets &*e de(resing trend &i(& is not ositi*e sign.$e(rese in ssets de(rese t&e ort& o) orgni,tion.

BALANCE S0EET %ASSETS&0ORIDONTAL ANALYSIS

CO==ENTS


67/114

T&ere is in(resing trend in deosits nd ot&er ((o%nts &i(& s&os t&e

(redi7ility o) t&e 7n.

Borroing is de(resing in 2004 7%t t&ere is in(resing trend in t&e yer

2005. lt&o%g& it is seeing t&t 7ns 7orroing is in(resing it& t&essge o) ti6e &i(& is not good sign 7%t t&ere is ositi*e t&ing int&is 7e&l)' %s%lly 7ns 7orro 6oney t t&t ti6e &en t&ey o%ld&*e to gi*e it )or erning 6ore ro)it' t&in t&e P33 3o66er(il Bndoing t&e s6e t&ing )or in(resing its ro)its.

Bills y7le in(rese in 2004 7%t de(rese in 2005 ositi*e sign.

;t&er li7ility &s n in(resing trend not good 7e(%se in(rese in

li7ility de(reses t&e li%idity osition o) t&e 7n.

S&re (itl in(rese t&t s&os t&e (redi7ility o) 7n.

T&e P33 3o66er(il 7n 9i6ited is in(resing its reser*es nd %n!

rorited ro)it in order to in(resing its reser*es nd %n!roritedro)it in order to in(rese its lending oer' &i(& is good sign' 7e(%se((ording to t&e r%dentil reg%ltion o) Stte Bn o) Pistn' 7n(n lend 6oney e%l to t&e @0K o) its ssigned(itl l%s reser*es.

LIABILITIES


68/114

INCO=E

nterest in(o6e de(rese in 200J ill gret roosition &i(& is not)*or7le. t 6ens t&t interest re(ei*ed 7y t&e 7n is de(resingit& t&e ssge o) ti6e. t is not good )or 7ning (o6ny.

As e ll no t&t 7ns ro*ide 6ny ser*i(es )or t&eir(%sto6ers nd lso (t s gent o) t&e (%sto6er. T&e 7nsre(ei*e )ee nd (o66ission )ter t&eir ser*i(esG it is 6in so%r(e

o) 7n to re(ei*e )ee nd (o66ission )ro6 t&eir (%sto6ers. n(se 7n is ting 6ore )ees s (o6red to re*io%s yers. T&isis good sign )or t&e 7n.

n )oreign (%rren(y deling nd di*idend t&ere is &%ge in(resingtrend &i(& s&os t&e in*est6ent o) 7n in &elt&y orgni,tion.

;t&er in(o6e de(rese in 2004 7%t t&is in(rese 6en ositi*esit%tion.

EPENSES

Ret%rn on deosit de(reses &i(& s&os good sign nd it is d%eto de(rese in ret%rn rte.

Ad6 nd di6in%tion nd ro*ision ginst non er)or6ing londe(resing t%rned t&t is )*or7le.

Bd de7ts in(resed it& &%ge 6o%nt not ositi*e sign.

Pro)it 7e)ore ttion &s in(resed it& gret roortion.

T in(reses &i(& re not 7d 7e(%se it is interrelted it&ro)it' i) ro)it in(resed' t lso in(rese.

PICIC CO==ERCIAL BANK LI=ITE?PROFIT AN? LOSS ACCONT

0ORIDONTAL ANALYSIS


69/114

INCO=E

nterest erned de(rese &i(& is negti*e sign.

As e no t&t 7ns ro*ide 6ny )(ilities ot&er t&n 6oneylending nd 7orroing. Bns re(ei*e )ee' (o66ission' et( )or t&eseser*i(es. T&ere)ore )ee nd (o66ission in(o6e re in(resing &i(&is good nd )*or7le signs.

$i*ided in(o6e in(resed 7%t it is *ery s6ll.

;t&er in(o6e in(rese it& gret roortion good sign.

EPENSES

Ret%rn on deosit de(rese good sign 7e(%se it in(reses t&e ro)it.

Ad6inistrtion eenses re in(resed 7%t no lr6ing rte.

Position ginst non er)or6ing lon %s ,ero &i(& s&os 7n &*egood (%sto6er.

All ro*ision is ,ero &i(& s&os t&e good (redit oli(y.

Bd de7t nd ot&er (&rges in(resed 7%t t&e sit%tion is not lr6ing.

Pro)it in(resed.

T is in(resed 7%t it is interrelted it& ro)it.

P33 3;MM?R3A9 BAN- 9MT?$?RT3A9 ANA9SS


70/114


71/114

Rtio nlysis is n i6ortnt nd ge old te(&ni%e o) )inn(il nlysis.Rtios re i6ortnt nd &el)%l in t&e re)eren(e t&t:

T&ese si6li)y t&e (o6re&ension o) )inn(il stte6ent nd tell t&e &olestory o) (&nges in t&e )inn(il (ondition o) t&e 7%siness.

T&ese ro*ide dt )or inter )ir6 (o6rison. T&e rtios &ig&lig&t t&e

)(tors sso(ited it& s%((ess)%l nd %ns%((ess)%l )ir6s' lso re*elstrong nd e )ir6s.

T&ese &el in lnning nd )ore(sting t&ese (n ssist 6nge6ent in

its 7si( )%n(tions o) )ore(sting' lnning' (oordintion nd (ontrol.

T&ese &el in in*est6ent de(ision in (se o) in*estor nd lending de(ision

in (se o) 7ners et(.Hoe*er' t&e rtios re only indi(tors' t&ey (nnot 7e ten s )inlregrding good or 7d )inn(il osition o) t&e 7%siness ot&er t&ings &*e

lso to 7e seen.

RATIO ANALYSIS

53 RETRN ON E1ITY

N.P.A.T O 100 S&re &older e%ityRs.

2004"@4"2IO10055I2"4@[email protected]

2005110#1"J O 100J##"0221J.0IK

200J1"@#5I4 O 10011JI##I114.#JK

3 RETRN ON ASSETS

N.P.A.T O 10 Totl ssetsRs. 2004"@4"2I O 100 55I2"[email protected]

RATIOS ANALYSIS


72/114

2005

110#1"J O 1001#"[email protected]

200J1"@#5I4 O 1002@51@#5J"0."@K

63 EARNING PER S0ARE

N.P.A.T No o) o%tstnding s&resRs.

2004"@4"2I002202#5500@.@@

2005110#1"J00242@140"54.5"

200J1"@#5I4002JJ5454#@

J.52

83 RETRN ON ?EPOSIT

N.P.A.TO 100 Totl deositRs 2004"@4"2I O 1001@5II014"0.54K

2005110#1"J O 100J##"0220."1K

200J1"@#5I4 O 1001#2"05"1J0.I5K


73/114

93 CAS0 ?EPOSIT RATIO

3s& deosit

2004@4#4511 O 1001@5II014"2.5JK

2005@I#451@2O 1001545444512.25K

200J

42J125I O 1001#2"05"1J2.@@K

:3 TOTAL ASSETS NET-ORK

Totl ssets Netor rtioRs. 20041"4"150J@55I2"4@@1.2@ ti6es

20051#"055@I4J##"0222".1J ti6es

200J2@51@#5J"11JI##I120.0I ti6es

@3 INTEREST EPENSES TOTAL EPENSES RATIO

nterest eenses Totl eenses rtio

Rs. 2004"2@J#0 O1001"4"4"1441K

2005"544#I"O 1002022J#50


74/114

@".@0K

200JJ0"4J#2 O 1001I@@"I41@1K


75/114

A;ERAGE PROFIT PER BRANC0

Ne! *"ofi! No of "an$he#

Rs. 2004"@4"2I00121Rs.J122"4

2005"544#I"050Rs.150#I"I

200J1"@#5I40045Rs. @#J@542


76/114

53 RETRN ON E1ITY

T&is rtio is 6ore 6ening)%l )orS&re &olders &o re interested to

-no t&e ro)it erned 7y t&e3o6ny 7e(%se t&e di*idendPid )ro6 *il7le ro)it &ig&erRtio 6ens )(tor o) rod%(tionF%lly %tili,ed nd good osition.Here rtio is in(resed in 2004 7%tt

Agin de(rese in 2005. And t&inT&t t&e 7n i6ro*ed its ret%rn;n e%ity rtio in t&e yer 200J. B%tt gin )ll don in t&e yer 200J'/&i(& is n lr6ing sign )or t&e

Bn.

4344

434

4348

434:

434 Sle %nder re%r(&se o7ligtionsSe(%rities sold s in*est6ents nd t&e (o%nter rty li7ility is in(l%ded in7orroing. T&e di))erentil in sle nd re %r(&se *l%e is ((r%rd o*ert&e eriod o) t&e gree6ent nd re(orded s n eense.

7> P%r(&se %nder resle o7ligtions

Se(%rities %r(&sed %nder gree6ent to resellre in(l%dedin lendings to )inn(il instit%tions. T&e di))erentil 7eteen t&e (ontr(tedri(e nd resle ri(e is 6ortised o*er t&e eriod o) t&e gree6ent nd isre(orded s in(o6e.

T&e 7n (lssi)ies its in*est6ents s )ollos:

T&ese re se(%rities' &i(& re eit&er (%ired )or generting ro)it )ro6s&ort ter6 )l%tion in 6ret ri(e' interest rte 6o*e6ents' delers 6rgin orre se(%rities in(l%ded in ort)olio in &i(& ttern o) s&ort ter6 ro)it 6ingeists.n ((ordn(e it& t&e re%ire6ents o) t&e BS$ (ir(%lr no.10 dted 1@ 8%ly2004' iss%ed 7y t&e stte 7n o) Pistn se(%rities (lssi)ied %nder &eld )ortrding re re*l%ed t 6ret *l%es nd s%rl%s rising t&ereon re ten to

t&e ro)it nd loss ((o%nt.

T&ese re se(%rities it& )ied or deter6in7le y6ents nd )ied6t%rity t&t t&e 7n &s ositi*e intent nd 7ility to &old to 6t%rity. T&esein*est6ents re (rried t 6ortised (ost


88

Lendin !o o""o'in f"om finan$ia+ in#!i!u!ion#

Inve#!men!#

0e+d fo" !"adin

0e+d !o ma!u"i!

Avai+a+e fo" #a+e


98/114

T&ese re in*est6ents t&t do not )ll %nder t&e &eld )or trding or &eld to6t%rity (tegories.

All %r(&ses nd sle o) in*est6ents t&t re%ire deli*ery it&in t&e ti6e)r6e est7lis&ed 7y reg%ltion or 6ret (on*ention re re(ogni,ed t t&e trdedte. Trde dte is t&e dte on &i(& t&e 7n (o66its to %r(&se or sell t&e

in*est6ent.

Ad*n(es re stted net o) generl nd se(i)i( ro*isions. Se(i)i( ndgenerl ro*ision is deter6ined on t&e 7sis o) r%dentil reg%ltions iss%ed 7yt&e stte 7n o) Pistn nd ten to t&e ro)it nd loss ((o%nt. T&esero*isions re 6intined on (onsistent 7sis. Ad*n(es re ritten o)) &ent&ese is no relisti( rose(t o) re(o*ery.

Proerty e%i6ent nd intngi7le ssets re stted t (ost less((%6%lted dere(ition nd i6ir6ent loss e(et )ree &old lnd &i(& isstted t (ost. 3itl or in rogress is stted t (ost.T&e (ost o) lese&old lnd is 6ortised is e%l instll6ents o*er t&e leseeriod.$ere(ition (&rge is 7sed on t&e strig&t line 6et&od &ere7y t&e (ost o) nsset is ritten o)) o*er its esti6ted on )ree&old lnd. $ere(ition on dditionsd%ring t&e yer is (&rged )ro6 t&e 6ont& in &i(& t&e sset is %t to %se &iledere(ition on disosls d%ring t&e yer is (&rged % to t&e 6ont& o) disosl.S%7se%ent (ost re in(l%ded in t&e ssets (rrying 6o%nt or re re(ogni,ed s serte ssets s rorite' only &en it is ro77le t&t )%t%re e(ono6i(7ene)its sso(ited it& t&e ite6 ill )lo to t&e 7n nd t&e (ost o) t&e ite6 (n7e 6es%red reli7ly. All ot&er reirs nd 6intenn(e re (&rged to t&e ro)itnd loss ((o%nt.+ins nd losses on sle o) ssets re in(l%ded in in(o6e (%rrently.

Assets &eld %nder )inn(e leses re stted t (ost less((%6%lted dere(ition. T&e o%tstnding o7ligtions %nder t&e lesegree6ents re s&on s li7ility net o) )inn(e (&rges llo(7le to )%t%reeriods.T&e )inn(e (&rges re llo(ted to ((o%nting eriods in 6nner so s toro*ide (onstnt eriodi( rte o) ret%rn on t&e o%tstnding li7ility.


8

Advan$e#

O*e"a!in. fied a##e!# and de*"e$ia!ion

Lea#ed


99/114

$ere(ition on ssets &eld %nder )inn(e lese is (&rged in 6nner(onsistent &i(& t&t )or dere(i7le ssets&i(& re oned 7y t&e 7n.

Pro*ision )or (%rrent ttion is 7sed on t7le in(o6e )or t&e yer deter6inedin ((ordn(e it& t&e re*iling ls )or ttion on in(o6e erned' sli(7le to t&e rese(ti*e 8%risdi(tions. T&e (&rges )or t&e (%rrent t is(l(%lted %sing re*iling t rtes or t rtes ee(ted to ly to t&e ro)its)or t&e yer t en(ted rtes. T&e (&rges )or t&e t lso in(l%des d8%st6ents'&ere (onsidered ne(essry relting to rior yers' rising )ro6 ssess6ents)r6ed d%ring t&e yer.

$e)erred t is re(ogni,ed %sing t&e 7ln(e s&eet 6et&od on ll 68orte6orry di))eren(es 7eteen t&e 6o%nts ttri7%ted to ssets nd li7ilities )or)inn(il reorting %roses nd 6o%nts %sed )or ttion %roses. $e)erredt is (l(%lted t t&e rtes t&t re ee(ted to ly to t&e eriod &en t&edi))eren(es re*erse' 7sed on t rtes t&t &*e 7een en(ted or s%7stnti*elyen(ted 7y t&e 7ln(e s&eet dte.

A de)erred t sset is re(ogni,ed only to t&e etent t&t it is ro77le t&t )%t%ret7le ro)its ill 7e *il7le ginst &i(& t&e sset (n 7e %tili,ed. $e)erredt ssets re red%(ed to t&e etent t&t it is no longer ro77le t&t t&e relted

t 7ene)it ill 7e reli,ed.T&e 7n lso re(ogni,es de)erred t sset li7ility onde)i(it s%rl%s on re*l%tion o) (ertin in*est6ents &i(&

re 6red to 6ret &i(& is d8%sted ginst t&e relted de)i(it s%rl%s in((ordn(e it& t&e re%ire6ents o) re*ised interntionl ((o%nting stndrddeling it& in(o6e tes.

Pro*isions re re(ogni,ed &en t&e 7n &s legl or (onstr%(ti*eo7ligtion s res%lt o) st e*ents' it is ro77le t&t n o%t)lo o) reso%r(esill 7e re%ired to settle t&e o7ligtion nd reli7le esti6te o) t&e 6o%nt (n7e6de. Pro*ision re re*ieed t e(& 7ln(e s&eet dte nd re d8%sted tore)le(t t&e (%rrent 7est esti6te.


!

Taa!ion

u""en!

?efe""ed

P"ovi#ion


100/114

$i*idend is re(ogni,ed s li7ility s li7ility in t&e eriod in &i(& it isde(lred.

Mr %ret%rn on er)or6ing lons d*n(es nd in*est6ents isre(ogni,ed on ((r%l 7sis. /&ere de7t se(%rities re %r(&sed t re6i%6 ordis(o%nt' t&ose re6i%6s dis(o%nts re 6orti,ed t&ro%g& t&e ro)it nd loss((o%nt o*er t&e re6ining eriod o) 6t%rity.nterest or 6r % re(o*er7le on non er)or6ing d*n(es is re(ogni,ed on re(et 7sis in ((ordn(e it& t&e re%ire6ents o) t&e r%dentil reg%ltionsiss%ed 7y t&e stte 7n o) Pistn s 6ended )ro6 ti6e to ti6e.

$i*idend in(o6e is re(ogni,ed &en t&e rig&t to re(ei*e t&e di*idend isest7lis&ed.

Fees 7roerge nd (o66ission on letters o) (redit g%rnteend ot&ers is re(ogni,ed on ((r%l 7sis.

deri*ti*e )inn(il instr%6ents initilly re(ogni,ed t )ir *l%e on t&e dte

on &i(& t&e deri*ti*e (ontr(t is entered into nd re s%7se%entlyre6es%red t )ir *l%e. All deri*ti*e )inn(il instr%6ents re (rried s ssets&en )ir *l%e is ositi*e nd li7ilities &en )ir *l%e is negti*e. Any (&ngein t&e )ir *l%e o) deri*ti*e )inn(il instr%6ents is ten to ro)it nd loss((o%nt.


1

P"o o#ed dividend

Le!!e"# of $"edi! ua"an!ee and o!he"#

?e"iva!ive finan$ia+ in#!"umen!#

Advan$e# and inve#!men!


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Trns(tions in )oreign (%rren(ies re trnslted to r%ees t t&e )oreigne(&nge rtes re*iling t t&e trns(tion dte. Monetry ssets nd li7ilitiesin )oreign (%rren(ies re eressed in r%ee ter6 t t&e rtes o) e(&ngere*iling t t&e 7ln(e s&eet dte. Forrd )oreign e(&nge (ontr(ts nd)oreign 7ills %r(&sed re *l%ed t )orrd rtes li(7le to t&eir rese(ti*e

6t%rities.Trnsltion gins nd losses re in(l%ded in t&e ro)it nd loss ((o%nt.3o66it6ents )or o%tstnding )orrd e(&nge (ontr(ts re dis(losed in t&ese)inn(il stte6ents t (o66itted 6o%nts. 3ontingent li7ilities (o66it6ents)or letter o) (redit nd letters o) g%rntee deno6inted in )oreign (%rren(ies reeressed in r%ee ter6s t t&e rtes o) e(&nge re*iling t t&e 7ln(es&eet dte.

Finn(il ssets nd )inn(il li7ilities re set o)) nd t&e net 6o%nt is

reorted in t&e )inn(il stte6ents &en t&ere is leglly en)or(e7le rig&t toset o)) nd t&e 7n intends eit&er to settle on net 7sis' or to reli,e t&essers nd to settle t&e li7ilities si6%ltneo%sly.

A seg6ent is disting%is&7le (o6onent o) t&e 7n t&t is engged inro*iding rod%(ts or ser*i(es or in ro*iding rod%(ts orser*i(es it&in rti(%lr e(ono6i( en*iron6ent ' &i(&is s%78e(t to ris nd rerds t&t re di))erent )ro6 t&ose o) ot&er seg6ents.T&e 7ns ri6ry )or6t o) reorting is 7sed on 7%siness seg6ents.

3ororte 7ning in(l%des %nderriting nd P; relted(ti*ities.

t reresents )ied in(o6e' e%ity' )oreign e(&nges' (o66odities' (redit')%nding' on osition se(%rities' lending nd reos' 7roerge de7t' ri6e


2Fo"ei n $u""en$ie#

Off #e!!in

Se men! "e o"!in

Bu#ine## #e men!

o" o"a!e ankin

T"adin and #a+e#


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7roerge.

t reresents retil lending nd deosits' 7ning ser*i(es' ri*te lendingnd deosits' 7ning ser*i(es nd retil o))ered to its retil (%sto6ers nd s6llnd 6edi%6 enterrises.

t reresents ro8e(ts )inn(e' eort )inn(e' trde )inn(e' lesing'lending' g%rntees nd 7ills o) e(&nge relting to its (ororte (%sto6ers.


3

Re!ai+ and $on#ume" ankin.

Comme"$ia+ ankin


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T&e S&7 P%r Brn(& &sno (o6leted 6ore t&n # yers' sin(e its ri*ti,tion nd it is indeed

grti)ying to note t&t d%ring t&is eriod' 7rn(& &s er)or6ed ell nd &ss%stined its grot& in ll t&e 68or se(tors. T&e ell deser*ed (redit' )or t&isgood er)or6n(e nd rogress 6%st s%rely go to t&e 7ns 6nge6ent' itsdire(tors nd' in no s6ll 6es%re' to t&e entire P33 te6 )orits dedi(tion (on(erted e))orts nd e(ellent te6 sirit.

Ee$u!ive Summa"(

4


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Fro6 t&e %nt%6 o) t&e ro)it nd its )inn(il dt it (n 7e esily 8%dged t&t

)ter ri*ti,tion' P33 3o66er(il Bn 9i6ited iser)or6ing ell. ts deosits re groing dy 7y dy nd so its ro)it7ility. T&e(ontrolling 7ody is resonsi7le )or t&e rod%(ti*e er)or6n(e o) t&e 7n.

Folloing re 6y o7ser*tion nd s%ggestion to i6ro*e t&e e))i(ien(y )ort&e de*elo6ent o) t&e e(ono6y.

T&ere is (riti(is6 on t&e 7ning 6nge6ent t&t t&e slries o) t&ee6loyees re de(resing in e*ery s%((eeding yer. And t&in t&is ills&e t&e (on)iden(e nd oring &7it o) t&e e6loyees.

Most o) t&e 7n e6loyees' re sti(ing to one set only it& t&e res%lt

t&t t&ey 7e(o6e 6ster o) one rti(%lr 8o7 nd loose t&eir gri on ot&er7ning oertion. n 6y oinion ll t&e e6loyees s&o%ld &*e reg%lr

8o7 eerien(e ll o%t loo tords 7ning. T&e ro6otion oli(y s&o%ld7e d8%sted.

?*ery yer so6e o) t&e e6loyees s&o%ld 7e sent )or trining to ot&er(o%ntries nd e6loyees )ro6 ot&er 7rn(&es s&o%ld 7e 7ro%g&t &ere.So6e 6ore reding 6teril s&o%ld 7e ro*ided. T&e %rose s&o%ld 7eto ed%(te t&e e6loyees it& t&e d*n(e st%dies in t&eir )ield. T&ee6loyee s&o%ld 7e ro*ided t&e oort%nities to ttend nd rti(ite inse6inrs nd le(t%res on 7ning.

T&ere is not&er re(o66endtion 7o%t 6y 7rn(& t&t is no roerti6ing o) t&e 7n nd t&ere is 6de n %nne(essry dely in t&e 7ningtrns(tions. T&is 6ig&t not 7e good sign )or t&e 7n )ro6 )%t%reroserity oint o) *ie.

Re)res&er (o%rses )or t&e st)) re 6ost i6ortnt in ny interntionlorgni,tion. All t&e e6loyees s&o%ld &*e t&ese (o%rses ((ording tot&eir re%ire6ent. Foreign eerts (n lso 7e (lled )or t&is %rose.

Bn s&o%ld gi*e so6e 6ore in(enti*e to its e6loyees in order to

re6o*e t&e (on)li(t 7eteen loer nd &ig&er o))i(er nd s&o%ld try toi6ro*e t&e oring (ondition o) t&e 7n.

;ld nd l,y st)) s&o%ld 7e rel(ed 7y yo%ng' %li)ied nd energeti(st)).

Proer ttention s&o%ld 7e id to %grde (%sto6er ser*i(es.


Re$ommenda!ion of !he B"an$h

5


105/114

t is e*ident )ro6 t&is reort nd t&e )inn(il stte6ent o) P33 t&t it is 6ing rogress 7y les nd 7o%nds. T&e ro)its o) S&&7P%r 7rn(& &*e gron (onsider7ly d%ring t&e lst )e yers nd t&is trend isee(ted to (ontin%e into t&e )%t%re. T&ere)ore' e (on(l%de t&t S&&7 P%r7rn(& &s *ery 7rig&t )%t%re. t&in t&ere is too )%lt o) t&e (%sto6ers nd in order to 6e t&e roeroring o) t&e 7n t&e (%sto6ers s&o%ld lso (ooerte it& t&e 7n &i(& ill7e relly good 67itio%s nd diligent (ondition )or t&e 7n. And t&en 7n ill7e relly in s%(& sit%tion nd osition to (o6ete its (o6etitors in t&e (ity sell s on interntionl le*el.


CONCLSION

6


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!I!LOGRAHY

(a"t-"e an& la. of ban/-n0 -n a/-stan 1 D(2 As(a( H2S-&&-3- 45t#a&&-t-on boo/ 6a0e No 71 +%8+$, %$*8%9*, %9%8%59, %:98)**,

An& $;)8$9*4

Webs-te 7 ...26-"-""o''e("-al ban/2"o'26/

!an/-n0 C


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8


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1!!


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1!1


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1!2


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1!3


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1!4


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1!5

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