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Annexure

X. Management Directory of Heads of Departments / Divisions

DIRECTORY OF MANAGING DIRECTOR / HEADS OF DEPARTMENTS / DIVISION OF SBP BSC HEAD OFFICE KARACHI DEPARTMENT / NAME TEL. No. E-MAIL ADDRESS DVISION Managing Director Mr. Muhammad 021-9212349 [email protected] Kamran Shehzad 021-2453170 Director, Accounts Mr. Riaz Nazar Ali 021-9212491 [email protected] 021-2455459 Director, Currency Mr. Shaukat Zaman 021-9212492 [email protected] Management 021-2455152 Director, Mr. Saleem Ullah 021-9213986 [email protected] Development 021-2455155 Finance Support Director, Engineering Mr. Muhammad Bilal 021-2454120 [email protected] Chaudhary 021-9212418 Director, Foreign Ms. Feroza Nabeel 021-2455357 [email protected] Exchange Operations 021-9212529 Mr. Syed Shahzad 021-2454219 [email protected] Director, Foreign Safdar Zaidi 021-9217212 Exchange Adjudication Director, General Mr. Amjad Manzoor 021-2455362 [email protected] Services (Additional charge) 021-9212875 Director, Internal Mr. Abdus Samad 021-2455152 [email protected] Audit 021-9212492 021-2453203 [email protected] Director, Internal Brig.(Rtd.) 021-9212449 Bank Security Muhammad Perwez Akber Director, Personnel Mr. Amjad Manzoor 021-2455362 [email protected]g.pk Management 021-9212875 Director, Training & Mr. Muhammad 021-2455373 [email protected] Development Mazharul Haque Head, Strategic Mr. Ali Ashraf Jafary 021-2455160 [email protected] Planning Division 021-9217418 Chief Medical Mr. Mujahid Hammed 021-2455252 [email protected] Officer, MSD 021-9212552 Manager, Mr. Muhammad Jamil 021-9217235 [email protected] Printing Press Ahmed 021-2454002

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XI. Management Directory of SBP-BSC Field Offices

DIRECTORY OF CHIEF MANAGERS OF SBP-BSC

FIELD OFFICE AT Bahawalpur D. I. Khan Faisalabad Gujranwala Hyderabad Islamabad Karachi Lahore Multan Muzaffarabad N. N. Karachi Peshawar Quetta Rawalpindi Sialkot Sukkur NAME Mr. Muhammad Hashim Mirjat Mr. Muhammad Rauf Khan Mr. Mahmood-ul-Hasan Mr. Muhammad Munir Ahmed Mr. Syed Mohsin Raza Jafari Mr. Shabbir Ahmed Awan Syed Ishtiaq Ali Mr. Barbruce Ishaque Mr. Khadim Hussain Mr. A. D. Butt Mr. Muhammad Yamin Khan Mr. Muhammad Humayun Khan Mr. Sajid Ali Shah Mr. Taslim Kazi Mr. Saeed Hasan Mr. Ghulam Muhammad Phul TELEPHONE NUMBER 062-9255035 0966-9280043 041-9200444 055-9200310 022-9200605 051-9201715 051-9207508 021-9212435 042-9210452 061-9200592 058810-32004 021-9260702 091-9211975 081-9202786 051-9270751 052-9250351 071-9310261 E-MAIL ADDRESS [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected]

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XII. Working Strength of SBP-BSC

S#

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

HEAD OFFICE / FIELD OFFICE

Head Office Karachi Bahawalpur D. I. Khan Faisalabad Gujranwala Hyderabad Islamabad Karachi Lahore Multan Muzaffarabad North Nazimabad, Karachi Peshawar Quetta Rawalpindi Sialkot Sukkur Total

POSITION AS ON

30-06-2006 643 93 83 304 89 243 243 1067 867 239 66 179 423 196 278 142 168 5,323 30-06-2007 605 90 67 282 67 237 206 981 712 212 65 177 391 189 232 124 158 4,795

XIII. Employees working on contract / daily wages / part time basis at SBP-BSC

NATURE OF APPOINTMENT

Contract Part time Daily Wages Total

POSITION AS ON

HEAD OFFICE 30-06-2006 30-06-2007 53 47 10 03 66 9 5 61 FIELD OFFICE 30-06-2006 30-06-2007 75 65 15 51 141 14 22 101

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XIV Currency Chests / Sub-chests at NBP branches and Office-wise allocation

S# 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 Chest / Sub-chest Badin Chachro Dadu Digri Diplo Hala City Hyderabad City Johi Kairpur Nathan Shah Kandiaro Khipro Kot G. Muhammad Kotri Matli Meher Mehrab Pur Mirpur Khas Mithi Moro Nangar Parkar Naushero Feroz Nawab Shah Sakrand BSC Office Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad S# 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 Chest / Sub-chest Samaro Sanghar Sehwan Shahdad Pur Sinjhoro Tando Adam Tando Allahyar Tando Bago Tando M. Khan Umer Kot Gawadar Karachi Main Br. Malir Mir Pur Bathoro Mirpur Sakro PAF Base Masroor Panjgur Pasni Shaheed-e-Millat Road Sujawal Thatta Turbat Uthal BSC Office Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Karachi Karachi Karachi Karachi Karachi Karachi Karachi Karachi Karachi Karachi Karachi Karachi Karachi

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Annexure S# 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 Chest / Sub-chest Dera Bugti Dokri Gambat Ghari Yasin Ghotki Jacobabad Kambar Ali Khan Kashmor Khairpur Mirs Khandhkot Kot Digi Larkana Miro Khan Mirpur Mathelo Ubauro Pacca Chung Panu Akil Rato Dero Rohri Shahdad Kot Shikarpur Sukkur Thari Mirwah Thul BSC Office Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur Sukkur S# 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 Chest / Sub-chest Warah Barkhan Bhag Chaman Dalbandin Dera Allah Yar Dera Murad Jamali Dhadar Duki Gandawa Harnai Kalat Kharan Killa Saifullah Kohlu Khuzdar Lehri Loralai Mastung Musa Khel Muslim Bagh Noshki Pishin Quetta City BSC Office Sukkur Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta Quetta

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Annual Performance Review of SBP-BSC 2006-07 S# 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 Chest / Sub-chest Sibi Sorab Ziarat Zohb Ahmedpur East Bahawalpur Bahawalnagar Chistian Fort Abbas Haroonabad Hasil Pur Khairpur Tamewali Khan Pur Liaquat Pur Lodhran Minchinabad Rahim Yar Khan Sadiqabad Karohr Pacca Yazman Mandi D. I. Khan Kaloor Kot Kolachi Laki Marwat BSC Office Quetta Quetta Quetta Quetta Bahawalpur Bahawalpur Bahawalpur Bahawalpur Bahawalpur Bahawalpur Bahawalpur Bahawalpur Bahawalpur Bahawalpur Bahawalpur Bahawalpur Bahawalpur Bahawalpur Bahawalpur Bahawalpur D. I. Khan D. I. Khan D. I. Khan D. I. Khan S# 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 Chest / Sub-chest Tank Chiniot Faisalabad Gojra Hafizabad Jaranwala Jhang Kamalia Noorpur Thal Samundari Sargodha Shahpur Saddar Shorkot Sillanwali Toba Tek Singh Abbotabad Attock Hari Pur Kahuta Mansehra Muree Chunnian Dipal Pur Gujranwala BSC Office D. I. Khan Faisalabad Faisalabad Faisalabad Faisalabad Faisalabad Faisalabad Faisalabad Faisalabad Faisalabad Faisalabad Faisalabad Faisalabad Faisalabad Faisalabad Islamabad Islamabad Islamabad Islamabad Islamabad Islamabad Lahore Lahore Lahore

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S # Chest / Sub-chest

187 Karak 188 Kohat 189 Malakand 190 Mardan 191 Meran Shah 192 Nowshera 193 Parachinar / Kuram 194 Peshawar Cantt 195 Saidu Sharif 196 Swabi 197 Timergarah 198 Bhalwal 199 Chakwal 200 Fateh Jang 201 Gilgit 202 Gujar Khan 203 Iskandarabad 204 Issakhel 205 Jand 206 Jauharabad

BSC Office

Peshawar Peshawar Peshawar Peshawar Peshawar Peshawar Peshawar Peshawar Peshawar Peshawar Peshawar Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi

S#

207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226

Chest / Sub-chest

Jehlum Kharian Cantt Mandi Bahauddin Mianwali Mir Pur Phalia Pind Dadan Khan Pindi Ghaib Rawalpindi Cantt Skardu Sohawa Talagang Wah Cantt Daska Model Town Gujrat Narowal Pasrur Shakargarh Sialkot Wazirabad

BSC Office

Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Rawalpindi Sialkot Sialkot Sialkot Sialkot Sialkot Sialkot Sialkot

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XV. Schedule of Prize Bond Draws For 2007

DENOMINATION (Rs.) 40,000/15,000/7,500/1500/750/200/(Tue) 02-01-2007 Faisalabad (Mon) 15-01-2007 Lahore (Thu) 01-02-2007 Rawalpindi (Thu) 15-02-2007 Sukkur (Thu) 01-03-2007 Peshawar (Thu) 15-03-2007 Quetta (Mon) 02-04-2007 Multan (Mon) 16-04-2007 Peshawar (Tue) 01-05-2007 Hyderabad (Tue) 15-05-2007 Bahawalpur (Fri) 01-06-2007 Karachi (Fri) 15-06-2007 Muzaffarabad (Tue) 03-07-2007 Quetta (Mon) 16-07-2007 Karachi (Wed) 01-08-2007 Bahawalpur (Wed) 15-08-2007 Sialkot (Sat) 01-09-2007 Rawalpindi (Sat) 15-09-2007 Hyderabad (Mon) 01-10-2007 Gujranwala (Mon) 15-10-2007 Islamabad (Tue) 01-11-2007 Sukkur (Tue) 15-11-2007 Faisalabad (Sat) 01-12-2007 Lahore (Sat) 15-12-2007 Multan Note: In case, draw date falls on public holiday the draw will be held on the following working day. DAY/DATE

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XVI. Number and Amount of Prizes on National Prize Bonds

Denomination No. 200 750 1,500 7,500 15,000 40,000 01 01 01 01 01 01 First Prize Amount 500,000 1,000,000 2,000,000 10,000,000 20,000,000 50,000,000 No. 03 03 03 03 03 03 2nd Prize Amount 150,000 300,000 600,000 3,000,000 6,000,000 15,000,000 No. 2,300 1,376 1,376 1,376 1,376 1,376 3rd Prize Amount 1,000 7,500 15,000 75,000 150,000 400,000

Source: www.savings.gov.pk

XVII. Profit Payable on Special Saving Certificates (Effective from 23-06-2007 till further Notification)

Value on completion of period 1st 6 months 2

nd

500 22.50 22.50 22.50 22.50 22.50 26.25

1000 45.00 45.00 45.00 45.00 45.00 52.50

5000 225.00 225.00 225.00 225.00 225.00 262.50

10,000 450.00 450.00 450.00 450.00 450.00 525.00

50,000 2,250.00 2,250.00 2,250.00 2,250.00 2,250.00 2,625.00

100,000 4,500.00 4,500.00 4,500.00 4,500.00 4,500.00 5,250.00

500,000 22,500.00 22,500.00 22,500.00 22,500.00 22,500.00 26,250.00

1,000,000 45,000.00 45,000.00 45,000.00 45,000.00 45,000.00 52,500.00

6 months 6 months 6 months 6 months

3rd 6 months 4 5 6

th th th

Note: · Zakat is deducted at the time of actual encashment @ 2.5% on the principal amount where applicable. · As per directives of the Federal Government, withholding tax on profit from investment made on or after, the 1st July 2002 shall be deducted at source at the rate of 10% of such profit if such deposit exceeds one hundred and fifty thousand rupees (150,000). Source: www.savings.gov.pk

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XVIII. Profit on Special Saving Certificates (In case of profit is due but not drawn on due date)

Profit already drawn for the period from Nil 1st 6 months 2nd 6 months 3rd 6 months 4th 6 months 5th 6 months Profit payable on each Rs.100/- on completion of 6 Months 4.500 1 Year 9.203 4.500 1½ Years 14.117 9.203 4.500 2 Years 19.251 14.117 9.203 4.500 2½ Years 24.615 19.251 14.117 9.203 4.500 3 Years 30.972 25.365 20.001 14.867 9.953 5.250

Note: · Zakat is deducted at the time of actual encashment @ 2.5% on the principal amount where applicable. · As per directives of the Federal Government, withholding tax on profit from investment made on or after, the 1st July 2002 shall be deducted at source at the rate of 10% of such profit if such deposit exceeds one hundred and fifty thousand rupees (150,000). Source: www.savings.gov.pk

XIX. Profit Payable on Defence Saving Certificates (Effective from 23-06-2007 till further Notification)

Value on completion 500 1000 of period 1 Year 535 1,070 2 Year 580 1,160 3 Year 630 1,260 4 Year 690 1,380 5 Year 755 1,510 6 Year 830 1,660 7 Year 920 1,840 8 Year 1,030 2,060 9 Year 1,160 2,320 10 Year 1,315 2,630 Source: www.savings.gov.pk Denomination in Rs. 5000 5,350 5,800 6,300 6,900 7,550 8,300 9,200 10,300 11,600 13,150 10,000 10,700 11,600 12,600 13,800 15,100 16,600 18,400 20,600 23,200 26,300 50,000 53,500 58,000 63,000 69,000 75,500 83,000 92,000 103,000 116,000 131,500 100,000 107,000 116,000 126,000 138,000 151,000 166,000 184,000 206,000 232,000 263,000 500,000 535,000 580,000 630,000 690,000 755,000 830,000 920,000 1,030,000 1,160,000 1,315,000 1,000,000 1,070,000 1,160,000 1,260,000 1,380,000 1,510,000 1,660,000 1,840,000 2,060,000 2,320,000 2,630,000

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XX. Price List of SBP Publications (Available at SBP-BSC Offices)

S# 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 NAME OF PUBLICATION Statistical Bulletin Export Receipts The State of Pakistan's Economy Quarterly Performance Review of the Banking System Statistics on Scheduled Banks in Pakistan Index Numbers of Stock Exchange Securities Balance Sheet Analysis of Joint Stock Companies Banking Statistics of Pakistan Pakistan's Balance of Payments Export Receipts Equity Yields on Ordinary Shares Foreign Liabilities and Assets and Foreign Investment in Pakistan Pakistan Financial Sector Assessment Banking System Review (BSR) SBP Annual Report (Vol.-I) Review of the Economy SBP Annual Report (Vol.-II) Performance Review Pakistan Financial Sector Assessment (1990-2000) Foreign Exchange Manual, 2002 (Vol. I & II) History of the SBP Vol. I (1948-1960) History of the SBP Vol. II (1961-1977) History of the SBP Vol. III (1977-1988) History of the SBP Vol. IV (1988-2003) Islamic Banking and Finance ­ Theory & Practice Prudential Regulations for Consumer Financing Prudential Regulations for Corporate / Commercial Banking Prudential Regulations for Small and Medium Enterprise Financing Minimum Capital Requirements for Banks / DFIs An Overview of Performance since its inception (SBP-BSC) Leading Issues Facing Pakistan's Economy (Dr. Ishrat Husain's speeches) Current Issues in Pakistan's Economy (Dr. Ishrat Husain's speeches) Key Issues in Pakistan's Economy (Dr. Ishrat Husain's speeches) Handbook of Statistics on Pakistan's Economy State Bank of Pakistan - Research Bulletin FREQUENCY Monthly Monthly Quarterly Quarterly Half Yearly Annual Annual Annual Annual Annual Annual Annual Annual Annual Annual Annual Occasional Occasional Occasional Occasional Occasional Occasional Occasional Occasional Occasional Occasional Occasional Occasional Occasional Occasional Occasional Occasional Occasional PRICE IN RS. 160.00 260.00 320.00 50.00 180.00 150.00 600.00 435.00 150.00 240.00 140.00 145.00 395.00 230.00 450.00 375.00 195.00 950.00 650.00 550.00 925.00 1200.00 480.00 50.00 100.00 60.00 100.00 250.00 170.00 170.00 170.00 300.00 250.00

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XXI. Notified Bookshops for sale of SBP Publications

S.#

1

NAME & ADDRESS

M/s. National News Agency, Asad Chamber Ground floor, Shambhu Nath Road, Near Passport Office, Saddar, Karachi. Tel: 5681520, 5688828 Fax: 5682391 M/s. Pettiwala Corporation, Ismail Mansion, Stratchen Road, Pakistan Chowk, Karachi. Tel: 2218643 M/s. Kifayat Academy, Shahrah-e-Liaqat, Near Frere Market, Karachi. Tel: 7723031 M/s. Progressive International Agency (Pvt) Ltd; 174-X, Block-2, P.E.C.H. Society, Off. Tariq Road, P. O. Box No.90, Karachi. M/s. Super Law Books Suppliers, 15-A, Nelson Chamber, Hasrat Mohani Road, Karachi. Tel: 2630431, 2216448 Email: [email protected] Mr. Books 10-D Super Market Islamabad. Tel: 051-2278843, 2278845

S.#

7

NAME & ADDRESS

M/s. Mansoor Stationery Mart, Book Sellers & Printers, Authorized Agents, Hassan Ali Effendi Road, Opp. Light House Cinema, Karachi-74200. Tel: 2627941 Email: [email protected] M/s. Royal Book Company, Publisher & Booksellers, BG-5, Rex Centre, Zaibunnisa Street, P. O. Box 7737, Karachi-74400 Tel:5653418, 5670628, 5684244 FAX: 5653419 Email: [email protected] M/s. Multi-Line Books, Shop No.03, Ahmad Mansion, Regal Chowk, Hotel Road, Lahore-54000, Tel: 042-7210089 Pak-Book Corporation Aziz Chamber, 21, Queens Road, Lahore-54000 Tel: 042-111636636 Mr. Kamran Noorani, Proprietor, Pakistan Law House, Pakistan Chowk, G. P. O. Box No.90, Karachi. Tel: 2212455, 2639558 Fax: 2627549 Email: [email protected]

2

8

3

9

4

10

5

11

6

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XXII. Eligible commodities under Export Finance Scheme

S# COMMODITY S# 30 31 32 33 34 35 COMMODITY Mushrooms Refined Treated salt Rice Seafood Sugar Other edible goods not mentioned in Negative List LEATHER GOODS 36 Finished Leather 37 Foot-wear / Shoes 38 Leather Garments 39 Saddler / Harness Items 40 Other leather products not mentioned in Negative List MACHINERY 41 Air Conditioners 42 Auto Parts 43 Computer Software 44 Electric Fans / Goods 45 Engineering Goods / Machinery METAL PRODUCTS 46 Blades 47 Chrome 48 Cutlery Goods 49 F.R.P. Windows 50 Knives 51 Magnesite 52 Sanitary Fittings 53 Steel / Copper Wire 54 Surgical Goods MISCELLANEOUS COMMODITIES 55 Accessories 56 Alcohol

TEXTILE/TEXTILE PRODUCTS 1 Art. Silk Fabrics 2 Canvas / Canvas Made-ups 3 Carded Yarn 4 Cloth / Bed wear set 5 Cotton Made-ups / goods 6 Cotton Yarn above 30 counts 7 Cotton Yarn Cordage 8 Dyed Printed Fabric 9 Grey / Bleached Fabrics 10 Knitted / Hosiery Garments 11 Mops 12 Pillow Covers 13 Polyester Cotton Yarn 14 Ready Made Garments 15 Shafoon Dupatta 16 Socks 17 Tents / Tarpaulin 18 Towels 19 Wool Tops 20 Other textile products not mentioned in Negative List EDIBLE GOODS 21 Biscuits 22 Bubble Gums / Bar 23 Confectionery Items 24 Frog Legs 25 Frozen Fish 26 Fruits / Vegetables 27 Guar Gum Extract / Guar Protein / Liquerice Extract 28 Juices / Pulps 29 Molasses

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S# 57 58 59 60 61 62 63 64 65 66 67 68 69 70

COMMODITY Animal Glue Animal casing and Fatends Bits Stirrup Bones Books Carpets C. P. Goods Disposable Razors Gloves Gold Jewellery embedded with or without precious / semi precious stones on self consignment basis Handicraft Hand Tools Hatching eggs and day old chicks Marble Onyx

S# 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86

COMMODITY Martial Arts Equipments Medicines / Chemicals Motor Sprit Musical Instruments Paraffin wax Petroleum Jelly Precious / Semi-precious Stone Rice Gluten Rose Buds / Flowers Rubber Hoses / Goods Safety Matches Sheep Casing Sport Goods Switch Cover Sassafrass Leaves Wooden Furniture

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XXIII Serving / Retired employees and their dependents / dependents of deceased employees availing Medical Facilities from the Bank (as on 30-06-2007)

Dispensary at: 1 BSC HOK & N. N. Karachi & Karachi, office Bahawalpur D. I. Khan Faisalabad Gujranwala Hyderabad Islamabad Lahore Multan Muzaffarabad Peshawar Quetta Rawalpindi Sialkot Sukkur Total Serving Employees 2 3,136 Dependents of Serving Employees 3 13,818 Total (2+3) 4 16,954 Retired / Beneficiaries of Deceased 5 2,423 Dependents of Retired /Deceased Employees 6 5,615 Total (5+6) 7 8,038 Grand Total (4+7) 8 24,992

102 74 288 73 237 415 784 216 68 403 207 437 127 155 6,722

474 239 1,579 346 1,307 2,006 3,539 1,037 188 2,309 1,155 2,170 598 912 31,677

576 313 1,867 419 1,544 2,421 4,323 1,253 256 2,712 1,362 2,607 725 1,067 38,399

2 126 16 37 359 733 25 8 261 47 422 17 14 4,490

4 309 25 145 809 1,789 97 15 482 188 1,063 49 50 10,640

6 435 41 182 1,168 2,522 122 23 743 235 1,485 66 64 15,130

582 313 2,302 460 1,726 3,589 6,845 1,375 279 3,455 1,597 4,092 791 1,131 53,529

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XXIV Issues & problems raised in LCAC meetings

S# 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 DESCRIPTION IN BRIEF Non-issuance of fresh currency notes to the business community by commercial banks Non-acceptance of small denomination currency notes and coins by the banks. Sale of fresh currency notes by brokers on premium Non-issuance of fresh notes to general public on Eid occasions by commercial banks. Amount not drawn but debited due to fault in ATM. Circulation of counterfeit currency notes in the market. Issuance of unsorted notes to stakeholders. Use of staple pin on currency note packets Non-acceptance of Claim note by NBP and other commercial banks. Delay in processing of over draft cases by commercial banks. Low rate of return on deposits offered by commercial banks. Non-encashment of Prize Bonds by commercial banks. Difficulties in opening of account in banks by the recipients of cheques on account of Zakat etc. Deduction of bank charges from employees' salary accounts. Complicated procedure for NBP Karobar Scheme loan for unemployed persons. Non-uniformity in service charges deducted by the banks Lack of proper arrangements for depositing utility bills in commercial banks. Denying the information to customers regarding deduction of Zakat from their accounts Delay in releasing of final documents by the banks despite settlement of loan and completion of formalities. Non-availability /non-functioning of on-line system at NBP, MCB, PICIC and Bank Alfalah at Sahiwal. Non-availability of full-fledged on-line banking services in prominent cities on reasonable charges. Non-availability of banking credit facility in tribal areas. Complex and inconsistent documentation policy for credit facilities. No prior intimation to customer before reporting his / her name to CIB. A ­ General / common problems relating to banking etc.

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Annual Performance Review of SBP-BSC 2006-07 S# 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 DESCRIPTION IN BRIEF No access of customers to e-CIB report at reasonable charges. No penalty on commercial banks for incorrect reporting to CIB. Insufficient bank branches in rural areas. No or limited credit facilities for unemployed professional youths No or limited bank credit facilities for Ginners. Limited number of SME/commercial bank branches in southern Punjab. Discourteous staff at commercial banks branches. Limited capacity of commercial banks in Development Finance (Agri/ Rural / Micro / SMEs) Deduction of service charges on PLS account. Difficulties faced by traders in obtaining fresh loans from banks. Limited availability of micro credit facility. Non-availability of permanent judges at banking courts. Non-provision of evening banking facilities at all banks. Non-payment of export bills by the Bangladeshi Banks. High interest rates on credit cards, which are as high as 25 to 30 percent. Need for extension in time for forward booking of Foreign Exchange. Un-trained / under-trained credit officers posted at NBP branches located in rural areas. No translation of policies/schemes into Urdu and other local languages to facilitate the general public. Limited awareness amongst farming community about opening of basic bank account to avoid the charges/deduction of Rs.50/- per month on the amounts less than Rs.5000/- from their accounts. No or limited dissemination of SBP instructions at branch level. Low level of awareness about the financing facilities of banks for small traders, businessmen and women. Charging of 1 % processing fee on financing facility need to be reduced at reasonable level. Non-availability of financing facility under Export Finance Scheme of SBP to indirect exporters. Delay in negotiation of LC at sight. In bulk submission of EE/EF Statements by authorized dealers at SBP-BSC offices. Non-enhancement of loan limit for flood affected farmers for damaged houses and livestock.

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Annexure S# 51 52 53 54 55 56 57 58 59 60 61 62 63 64 66 65 66 67 68 1 2 3 4 5 6 S# 7 8 9 DESCRIPTION IN BRIEF Improper scrutiny of Research & Development Support (R & DS) cases by the commercial banks. Improper utilization of export finance funds by exporters. Long outstanding Export overdue cases. No extensive awareness campaign for small farmers / rural business community on electronic media in collaboration with commercial banks regarding availability of loans under different schemes / SMEs etc. Non coverage of locally manufactured machinery under LTF-EOP. Cumbersome procedure for withdrawals from loan account. High rate charged by ZTBL on sale of tractors. Need for a policy to extend loan to the flood affected people of twin cities of Mardan-Hoti. Low sanctioning limit at the Manager/Regional Manager level causing delay in disbursement of loan. High rate charged by ZTBL on sale of tractors. Need for a policy to extend loan to the flood affected people of twin cities of Mardan-Hoti. Low sanctioning limit at the Manager/Regional Manager level causing delay in disbursement of loan. Condition of two NOCs in case of two addresses in CNIC at the time of submission of loan application. Need for crop insurance mandatory for all banks across the country. Non extension of fresh loan to the borrower who has settled loan under Govt. / SBP settlement packages. Non-disclosure of lending / deposit rates to the customer by banks / DFIs. Non-display of checklist of documents required for grant of loans by banks. No Help Desk to facilitate the exporters regarding R & D cases at banks and field offices of SBPBSC. Delaying tactics used by banks in sanction of loans. Complex procedure for Agriculture financing that need to be simplified. Need for review of upper limit of Agricultural credit for flood affected farmers. Need for a strong publicity campaign on agricultural credit schemes at regional and local levels. Need for reviewing loan limit under Revolving Credit Scheme on payment of mark up. Non-extension of Agricultural production loans to the tobacco growers. Need for credit facilities for the fisheries/livestock. DESCRIPTION IN BRIEF Sharing the cost of insurance on Agri-loans. Delays in payment of wheat bills by NBP. Need for timely disbursement of loan needed for Kharif and Rabi crops.

B - Issues relating to Agricultural Credit

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Annual Performance Review of SBP-BSC 2006-07 10 11 12 13 14 15 Need for improving marketing channels for Agri products. Need for involving / engaging farmers' representatives in awareness and information dissemination programs being conducted by SBP / banks. Need for combined meetings of bankers and farmers / business community. Need for arranging Local Credit Advisory Committee meetings at District/Tehsil level. Tobacco companies should facilitate their agreement holders in getting loans from banks. Need for establishment of Citrus Research Institute at Bhalwal.

C - Issues relating to Government Departments

1 2 3 4 5 6 7 Disappointing attitude of Revenue Departments' officials during issuance verification of Pass Book. Issuance of incomplete Pass Books by the Revenue Authorities. Non-signing of page-40 of Pass Books by Mukhtiarkars regarding possession of land/paid land revenue. Need for framing uniform policy for Produce Index Unit (PIU) and re-fixation of PIU. Need for review of compensation payment for earthquake affectees. Need for a strategy to minimize the risk of exporters against consignments in documents on acceptance (DA) basis. Request for elimination of withholding tax @ 0.2% on cash withdrawal from banks on the amounts exceeding Rs.25000/-.

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XXV. SECURITY FEATURES OF NEW DESIGN RS.1000 DENOMINATION

BANKNOTE LAUNCHED ON 26TH FEBRUARY 2007

Security Features of 1000 Rupees

Date of Issue Cut Size Main Colour Paper 'Enlarged Watermark

26th February, 2007 65 x 155 m.m. Dark Blue 100% Cotton Based Portrait of Quaid-e-Azam in National Dress i.e. Sherwani appears at the obverse left of the note.

Electrotype Watermark

The denomination of the note appears below the portrait of Quaid-e-Azam.

Front The front of the note has been printed by Intaglio Process in multi-colours.

Portrait

The enlarged portrait of Quaid-e-Azam in Sherwani appears at the right side of the note

Anti Scan & Anti Copy

Anti-scan and anti-copy line patterns appearing at the note prevent scanning and photo copying of the exact note.

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Annual Performance Review of SBP-BSC 2006-07

Window Security Thread

Partially embedded window security thread into the paper runs from top to bottom at the front left side of the note. Denomination numeral "1000" can be seen in the thread. The thread appears as silver dashes at the front of the note. When the note is held against the transmitted light, the metallic thread appears as a dark line. The security thread appears as yellow and turquoise fluorescent bands when viewed under ultra-violet light.

Optical Variable Ink

The crescent and five-pointed star surrounded in the printing design of Optical Variable Ink (OVI) appears at the obverse right of the note. The OVI design changes colour from magenta to green and green to magenta, when the note is viewed from different angles.

See through

Value figure of the note appears partly at the obverse left top and partly at reverse right top giving a perfect look when viewed through light.

Latent Image

Hidden denomination numeral "1000" appears at the right side of the portrait when the note is viewed from different angles.

Year of Production

Year of production appears at the right side of the note

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Geometrical Patterns

Decorative ornamental patterns appear at the front of the note

Identification Mark

Two raised tactile circles appear at the left side which enable the visually impaired persons to recognize the denomination of the note

Intaglio Lines

Raised lines appear at extreme right and left sides of the note

Lettering I

The denomination appears in Urdu numeral at right and left top while the denomination in English appears at right bottom of the note

Lettering II Lettering III Lettering IV

The words "STATE BANK OF PAKISTAN", the denomination, the promissory clause and the guarantee clause appear in Urdu at the centre of the note

The words "GOVERNOR STATE BANK OF PAKISTAN" in Urdu appear at the centre of the note

Micro lettering denomination "1000" appears at the right top close to the picture of Qaid-e-Azam and at left bottom close to the security thread of the note

Number

Seven-digit serial number with prefix appears at the right top and the other number appears below the watermark at the left bottom of the note. Both the numbers have been printed with magnetic ink.

157

Annual Performance Review of SBP-BSC 2006-07 The signature of the Governor, State Bank of Pakistan, Shamshad Akhtar has been printed in main colour of the note above the words `GOVERNOR STATE BANK OF PAKISTAN'.

Signature

Back The back of the note has been printed by Intaglio Process in multi-colours.

Geometrical Patterns

Decorative ornamental patterns appear at the back of the note.

Vignette

Vignette of Islamia Collage, Peshawar along with the name appear on the note.

Anti Scan & Anti Copy

Anti-scan and anti-copy line patterns appearing at the note prevent scanning and photo copying of the exact note

Lettering I

The words `STATE BANK OF PAKISTAN' appear at the centre top of the note

Lettering II

The value in words `ONE THOUSAND RUPEES' appears in a panel at the centre bottom of the note

Lettering III

The denomination in figure appears in English at the left bottom in small font and on top below the words `State Bank of Pakistan' in large font while in Urdu at the right bottom of the note.

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Lettering IV

The words " " appear in a round design at the upper left side of the note

Lettering V

Micro lettering denomination numeral "1000" appears at the left along side geometrical patterns

Insignia

The Seal of the "State Bank of Pakistan" appears at the left bottom of the note

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Annual Performance Review of SBP-BSC 2006-07

XXVI. List of Abbreviations and Acronyms ABBREVIATION / ACRONYM

ACD ACH AD AGPR ATM BCP BD Manual BOAT BPR BSC CBR CCTV CDNS CIB CMO CNIC CSC DFI DFS DMT DSC EAC EFS EOD

ABBREVIATION / ACRONYM FOR

Agriculture Credit Department Automated Clearing House Assistant Director Accountant General Pakistan Revenue Automated Teller Machine Business Continuation Plan Banking Department Manual Basic Office Automation Training Business Process Re-engineering Banking Services Corporation Central Board of Revenue Closed Circuit Television Central Directorate of National Savings Credit Information Bureau Chief Medical Officer Computerized National Identity Card Currency Sorting Cell Development Finance Institution Development Finance Section Divisional Management Team Defence Savings Certificate Export Advisory Committee Export Finance Scheme End of Day

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ABBREVIATION / ACRONYM

EPD ERP FBR FEAD FEOD FER GMT HOK HR HRIS HRMS IAD IAUs IBSD ID Manual IERS IMU ISTD IT KCCI LC LCAC LIMS LMM

ABBREVIATION / ACRONYM FOR

Exchange Policy Department Enterprise Resource Planning Federal Board of Revenue Foreign Exchange Adjudication Department Foreign Exchange Operations Department Foreign Exchange Regulations Group Management Team Head Office Karachi Human Resources Human Resource Information System Human Resource Management System Internal Audit Department Internal Audit Units Internal Bank Security Department Issue Department Manual Islamic Export Refinance Scheme Internal Monitoring Unit Information Systems & Technology Department Information Technology Karachi Chamber of Commerce & Industry Letter of Credit Local Credit Advisory Committee Library Information Management System Locally Manufactured Machinery

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Annual Performance Review of SBP-BSC 2006-07

ABBREVIATION / ACRONYM

LMS LRC LTF-EOP MFSM MIS MSD MSS NADRA NBFC NBP NIBAF NIFT NOC NPL NSS PER PFI PIB PIFRA PIU POS PRISM PSD PSPC

ABBREVIATION / ACRONYM FOR

Letter Management System Learning Resource Centre Long Term Financing for Export Oriented Projects Monetary & Fiscal Statistical Manual Management Information System Medical Services Division Medical Services System National Data Base & Registration Authority Non-Bank Financial Companies National Bank of Pakistan National Institute of Banking and Finance National Institutional Facilitation Technology No Objection Certificate Non Performing Loans National Saving Scheme Performance Evaluation Report Participating Financial Institution Pakistan Investment Bond Project to Improve Financial Reporting and Auditing Produce Index Unit Point of Sale Pakistan Real-time Inter-bank Settlement Mechanism Payment System Department Pakistan Security Printing Corporation

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ABBREVIATION / ACRONYM

PTCL QMS RDS RLA RTGS SLA SBP SBP-BSC SMART SME SPU SSC SWIFT TDAP TOR TOT TT USA UBL UMT VSS ZTBL

ABBREVIATION / ACRONYM FOR

Pakistan Telecommunication Corporation Limited Queue Management System Research & Development Support Regular Leave Account Real Time Gross Settlement System Special Leave Account State Bank of Pakistan SBP Banking Services Corporation Specific Measurable Achievable Realistic Time-bound Small and Medium Enterprises System & Procedure Unit Special Savings Certificate Society for World-wide Inter Financial Telecommunication Trading Development Association of Pakistan Terms of Reference Training of Trainers Telegraphic Transfer United States of America United Bank Limited Unit Management Team Voluntary Separation Scheme Zarai Taraqqiati Bank Limited

163

For information please contact Strategic Planning Division, SBP Banking Services Corporation, Head Office, 1st Floor, Subsidiary House, Karachi. Tel: 021-9217418 021-2455160 021-2455162 021-2455163 021-9217417

Fax:

E-Mail: [email protected] [email protected] [email protected] [email protected] Printed at SBP-BSC Printing Press Karachi

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