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National Bank of Pakistan

Commercial Banking Wing


Regional Office Gujranwala

ROG/CBW/GOLD LOANS/2007/ '.055-9200731, 250


JANUARY 04, 2007 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

GOLD LOANS
FINANCE FACILITIES ON MARK UP BASIS AGAINST
PLEDGE OF GOLD ORNAMENTS

In continuation to our letter No: ROG/CBW/GOLD LOAN S/2006/8650 dated 21-


12-2006, please arrange submission of party-wise classification figures of loans
against Gold Securities (including agriculture) showing position as on 31.12.2006,
on the under noted proforma for our consolidation & onward communication to
Head Office, treating the matter as most urgent.

NO.OF ACCOUNT. AMOUNT OUTSTANDING AS REASONS OF NON-


ON 31.12.2006 ADJUSTMENT OF A/C

The information called for therein should be submitted to this office on or before 08.01.2007.

Yours faithfully,

(ABDUL RASHID)
GENERAL MANAGER(AGRI)

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

'.055-9200731, 250
'. 055-9200314

AGRI PRODUCTION (GOLD) STUCK UP POSITION AS ON 31-12-2006

SR.NO NAME OF BRANCH AGRI PRODUCTION


. (GOLD)
A/C AMOUNT
1. WAZIRABAD. 1 0.052
2. GHAKHAR 7 0.252
3. BADDAY 1 0.086
4. PINDI BHATTIAN. 1 0.008
5. BEGUM KOT 3 0.093
TOTAL 13 0.491

All branches circ


National Bank of Pakistan
Business Wing
Commercial Banking Deptt
Regional Office Gujranwala

ROG/CMW/JA/2/2010/ '.055-9200731, 250


OCTOBER 21, 2010 '. 055-9200314
The Manager,
National Bank of Pakista
All Branches,
IN GUJRANWALA REGION

Dear Sir,

GUIDE LINES FOR PREPARATION OF FINANCE PROPOSALS


FOR SANCTION OR OTHERWISE

This has reference to the captioned subject and further to our last letter
No.ROG/CMW/R&P/2010-2011 dated October 04, 2010.

In this connection we invite your attention towards Credit Policy Manual (CPM) 2007
and Rice Policy for the season 2010-2011. Sr.# 9- valuation of collaterals, it is stated
that “Valuation of collateral once made shall be valid for three years unless any
addition has been made in the asset.i.e. revaluation for the purpose of enhancement
of credit facility shall not be allowed before the expiry of 3 years from the date of last
valuation” However, with some exceptions, detailed therein, revaluation can be
made within 3 (three) years.

Keeping in view above you are, therefore, advised to please ensure before preparing/
submitting any finance proposal that:-

(1) The full details of the assets being offered as collateral have been ascertained
to judge its acceptability. The branch Manager while accepting the security as
collateral must consider at least from the following three angles:-
i) Value of Security
ii) Quality of Security
iii) Legal Enforceability of Security

(2) Valuation from a valuator on the PBA approved panel, duly countersigned by
the Branch Manager, should not be more than 3 (three) years back having a
realistic value & must be readily saleable with reasonable ease.
(3) If there is a doubt that the security is overvalued, then second valuation from
another valuator shall also be carried to safeguard the Bank’s interest.
(4) eCIB should be clear.
(5) The finance proposals should be arranged & submitted strictly in the manner
as directed in our letter referred above, through courier otherwise, the
proposals shall be returned for doing the needful.
(6) The Branch Manager and or the credit officer of the branch should follow their
proposals. In no case, any party should visit this office for the purpose
otherwise, his proposal shall not be considered.

Please ensure meticulous compliance to the Bank’s prescribed instructions to avoid


any undue correspondence/ delay which may cause unpleasant situation (.)

Yours faithfully,

(MUHAMMAD SHAFI CH (SAJJAD HUSSAIN MONJOTHA)


GENERAL MANAGER BUSINESS. GENERAL MANAGER CREDIT

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/RBW/ '.055-9200731, 250


May 03, 2007 '. 055-9200314

The Manager,
National Bank of Pakistan,
Civil Lines Branch,
Gujranwala

Dear Sir,

SBP INSPECTIODN REPORT -2006

Please find enclosed copies of annexure of SBP Inspection Report for the year 2006
received from SME-DIVISION (HEAD OFFICE) CRBG, NBP, RHQ Building, 26-Mclagon
Road, Lahore vides their letter No: SME/DIV/P&M/416 dated 25-04-2007 for your
information and further necessary action.

Please forward the point-wise rectification of all the observations raised by SBP Team
pertaining to SME Accounts. Moreover please be noted that if you want to contest &
have reservations on some objections pointed out by SBP Inspection Team, please
forward each case separately (containing cogent reasons & backed by conclusive
documentary evidence) to us not later than 07-05-2007 for our onward submission
to concerned quarters of SME-Division Lahore /Head Office.

Please treat it on top priority.

Yours faithfully,

All branches circ


(KARAMAT ALI CHAUDHARY)
REGIONAL BUSINESS CHIEF

Encls: (3)

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/RBW/ '.055-9200731, 250


May 10, 2007 '. 055-9200314

The Manager/Operations Manager,


National Bank of Pakistan,
1. Civil Lines Branch, Gujranwala.
2. Atta Building Branch, Gujranwala.
3. Main Branch, Wazirabad.
4. Satellite Town Branch, Gujranwala.
5. City Branch, Gujranwala.
6. S.I.E.Branch, Gujranwala.
7. O/S.Khiali Gate Branch, Gujranwala.
8. Hashmi Colony Branch, Gujranwala.

Dear Sir,

WHAM PROJECT
WEEKEND REPORTING FORMAT.

Enclosed please find the captioned format for report the loan cases being processed
in your branch regarding the WHAM Project.

Kindly ensure to have it dispatched to this Office at close of office hours, every
weekend.

Yours faithfully,

All branches circ


(AHMED SOHAIL WARRAICH)
REGIONAL RETAIL HEAD.

Encls: (3)

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/RBW/ '.055-9200731, 250


May 12, 2007 '. 055-9200314

Mr.Khalid Mahmood Awan,


Officer Grade-I/Manager,
National Bank of Pakistan,
Ghalla Mandi Branch,
Kamoke

Dear Sir,

WHEAT FINANCING TO PRIVATE SECOT-NON ADJUSTAMENT OF


LOANS DISBURSED DURING THE YEAR-2006
M/S.O.K.FLOUR MILLS.

The Head Office has once again advised that due to non adjustment of the captioned
account, penalty has been imposed by SBP. In order to avoid levy of any further a
penalty by SBP, we stress you to get the above account adjusted in full without any
further loss of time.

Keeping in view the sensitivity of the matter, please advise us the present position of
account and what action taken by you in this regard so far be also advised.

All branches circ


Please ensure meticulous compliance of the above instructions and furnish the
requisite information through return Fax today positively for onward communication
to Head Office, Karachi.

Matter is extremely urgent.

Yours faithfully,

(KARAMAT ALDI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/GOLD LOANS/2007/ '.055-9200731, 250


SEPTEMBER 06, 2007 '. 055-9200314

The Manager,
National Bank of Pakistan,
_________________________

Dear Sir,

CASH FINANCE GENERAL/GOLD LOAND EXPIRED


LIMITS AS ON 30-06-2007

From the information collected over telephone, it is observed that _______ accounts of
gold loan expired on 30-06-2007 are still outstanding which be speak of poor follow
up at your end while only three weeks left to become these account classified, if not
renewed or adjusted.
All branches circ
You are, advised to make efforts to renew/adjust these accounts and ensure that no
accretion is made to classified portfolio. You will be personally responsible for this
and not accuse will be accepted as Head Office has taken very serious view.

Further more_________accounts of Cash Finance General expired on 30-06-2007 are


still outstanding which are neither referred to us for renewal whereas you were
required as per bank’s instructions to forward such cases for renewal at-least two
months before expiry date but we are surprise to note that these are still pending
even after expiry of more than 2 months period.

You are, therefore, instructed to bring these cases personally for this Office for our
necessary action upon received of this letter so that classification should be avoided.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/GOLD LOANS/2007/ '.055-9200731, 250


SEPTEMBER 20, 2007 '. 055-9200314

The Manager,
National Bank of Pakistan,
_________________________

Dear Sir,

GOLD LOAND EXPIRED LIMITS AS ON 30-06-2007

From the information collected over telephone, it is observed that _______ accounts of
gold loan expired on 30-06-2007 are still outstanding which indicates of poor follow

All branches circ


up at your end while only 10 days left to become these accounts classified, if not
renewed or adjusted.

You are, advised to make vigorous efforts to renew/adjust these accounts and ensure
that no any account should be allowed to become classified on 30-09-2007.
Otherwise you will be personally responsible for all the consequences and no accuse
will be accepted as Head Office has taken very serious view.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW2007/ '.055-9200731, 250


OCTOBER 08, 2007 '. 055-9200314

ALL OPERATION MANAGERS


IN GUJRANWALA REGION

Dear Sir,

AUDIT DIARIZED IRREGULARITIES


COMPLETION OIF DOCUMENTATION/FORMALITIES.

The Credit Management Group, NBP, Head Office, Karachi vide its letter No.HO/CMG-
(N)/INBP/2344 dated 06-11-2007 has informed that the Auditor & Inspection Group

All branches circ


has been continuously reporting exceptions in our Region regarding incomplete
collateral. Their findings include:-

1. Original Title Deeds are not on Branch Record.


2. Original Mortgage Deeds are not on Branch Record.
3. Certified copy of Nqale Intiqal/Farde Milkiyat not obtained.
4. Permission to mortgage is not obtained.
5. Charge not marked against the mortgage property in Revenue Record.
6. PT-I is not on record.
7. Latest Search Certificate not obtained.
8. General Irrevocable Power of Attorney not obtained.
9. Farede Milkiyat not signed by the Halqa/Tehsildar.
10. Completion Certificate not in the file.
11. Facility allowed without redemption deed.
12. Mutation in bank favour is of lesser measurement than mention in Sanction Advice.

As you are aware that shortage of pledge stocks is a regular phenomenon in our Region and thus bank’s
reliance on collateral is increased.

Based on the foregoing, you are advised to ensure that no finance is disbursed without proper mortgage
security, no security is accepted in fresh finance which has been used previously by another firm and
fresh facilities are carefully disbursed ensuring that first relatives of troubled accounts are not
proprietor of these firms. Please also ensure that disbursement under the finance facility is only allowed
when the security/collateral documents are complete in all respect.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

All Branch Managers in Gujranwala Region, kindly note that all formalities mentioned in the
sanction advice have been completed.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2007/ '.055-9200731, 250


DECEMBER 15, 2007 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

All branches circ


RENEWAL/ADJUSTMENT OF EXISTISNG EXPIRED LIMITS, VALIDITY OF
WHICH ARE GOING TO BE EXPIRED ON 31-12-2007 OR EARLIER BUT
THESE HAVE NOT YET BEEN ADJUSTED/RENEWED

All the Branch Managers must be aware that there are very few days left in expiry of their
limits as on 31-12-2007. It is therefore, advised to examine each and every such case and
immediately take correct/remedial measure by way of all possible/available avenues to avoid
accretion of such accounts of your branch. It should be kept in mind that in case jeopardy of
Bank’s interest, in any way due to delayed action, entire responsibility will rest with the
respective Branch Manager for all the consequences.

Please ensure that none of our existing credit limits remain un-renewed provided due mark-up
has been paid, stipulated security held and various other parameters/guidelines are duly met.
For the purpose of expediting renewals of Regular Credit Limits, it must be ensured that all
the cases where there is no violation of any of the SBP Prudential Regulations are renewed
immediately.

If there are limits, validity of which are going to be expired on 31-12-2007, or earlier but these
have not been renewed, we would like to know why these accounts are still lying un-renewed.
Please examine all these accounts and take immediate measures for their
adjustment/renewal as the case may be.

Meanwhile, please ensure that securities held by the Bank remain sufficient to cover the
outstanding liabilities till final adjustment of all the accounts under all the circumstances and
in future Bank’s standard instructions contained in President Circular No.33/2001 dated 27-
11-2001 should be followed meticulously for submission of renewal proposals/cases well
before expiry of existing limits.

You are, therefore, advised to submit the renewal proposals latest by 26-12-2007 repeat 26-
12-2007, enabling us to process the same before their expiry.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2010/ '.055-9200731, 250


December 27, 2010 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

SME INFORMATION BORROWER-WISE DATA (RCOA) QUARTERLY


DATABASE AS ON 31-12-2010

With reference to above, we advise that captioned statement is required to be


submitted on quarterly basis. Head Office authorities vide their
CRBG/SME/MK/2010/14160 dated 22.12.2010. You are advised to provide us the
requisite statements both in hard copy & soft copy (, CD, e-mail at
jalilnbp@yahoo.com OR ahtsham.ahmed@gmail.com ) latest by
04.12.2011 repeat 04.12.2011 for our consolidation and onward submission to
Head Office as desired.

Yours faithfully,

(MUHAMMAD SHAFI CHAUDHARY) (AHMAD SOHAIL WARRAICH)


GENERAL MANAGER BUSINESS REGIONAL HEAD

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/GOLD LOANS/2008/ '.055-9200731, 250


JANUARY 24, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

IMMEDIATE SUSPENSION OF BUSINESS DISCRETIONARY


POWERS REGIONAL MANAGEMENT COMMITTEE
AND ALL BRANCH MANAGERS OF GUJRANWALA REGION.

In continuation to our letter No: ROG/RBW/KAROBAR/138-139 dated 23-01-2008,


addressed to Mr. Amer Siddiqui, SEVP/Group Chief, Commercial & Retail Banking
Group, NBP, Head Office, Karachi and copy thereof endorsed to all Branch Managers
concerning the captioned subject.

We append below the extract of Head Office decision for meticulous compliance of all
concerned:-

“OK TO RESTORE BUSINESS DISCRETIONARY POWERS FOR KAROBAR AND


GOLD LOANS FOR REGION AND ITS BRANCHES IN GUJRANWALA”

You are, therefore advised to start financing against pledge of Gold Ornaments/NBP-
Karobar cases as usual after fulfillment of all the required formalities as per Bank’s
rules and regulations.

Moreover, the words mentioned in endorsement of our letter under reference which
read as “renew gold loans which have been expired as on 31-12-2007” may
please be replaced with the aforesaid Head Office decision.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


JANUARY 29, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTISNG EXPIRED LIMITS, VALIDITY OF


WHICH ARE GOING TO BE EXPIRED ON 31-12-2007 OR EARLIER BUT
THESE HAVE NOT YET BEEN ADJUSTED/RENEWED

We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007

All the Branch Managers must be aware that there are very few days left in expiry of cushion
period of 90 days for classification in respect of those accounts, limits of which stand expired
since 31-12-2007. Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL
BECOME CLASSIFIED IN CASTEGORY OF S/S (SUB-STANDARD) It is therefore, advised to
examine each and every such case and immediately take correct/remedial measures by way
of all possible/available avenues to avoid accretion of such accounts in the classified portfolio
of your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way
due to delayed action, entire responsibility will rest with the respective Branch Manager for all
the consequences.

Please ensure that none of our existing credit limits remain un-renewed provided due mark-up
has been paid, stipulated security held and various other parameters/guidelines are duly met.
For the purpose of expediting renewals of Regular Credit Limits, it must be ensured that all
the cases where there is no violation of any of the SBP Prudential Regulations are renewed
immediately.

If there are limits, validity of which are has expired on 31-12-2007 or earlier but these have
not been renewed, we would like to know why these accounts are still lying un-renewed,
thereby adding to the classified/non-performing portfolio. Please examine all these accounts
and take immediate measures for their adjustment/renewal as the case may be. If you feel
that the borrowers are not coming forward even after your personal contact/efforts submit
suit file proposal for our further necessary action without further loss of time.

Meanwhile, please ensure that securities held by the Bank remain sufficient to cover the
outstanding liabilities till final adjustment of all the accounts under all the circumstances and
in future Bank’s standard instructions contained in President Circular No.33/2001 dated 27-
11-2001 should be followed meticulously for submission of renewal proposals/cases well
before expiry of existing limits.

You are, therefore, advised to submit the renewal proposals latest by 15-02-2008
repeat 15-02-2008, enabling us to process the same before their classification.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

All branches circ


National Bank of Pakistan
Credit Management Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


JULY 16, 2008 '. 055-9200314

ALL BRANCH MANAGERS/OPERTIONS MANAGERS


IN GUJRANWALA REGION

Dear Sir,

SHOOT UP/INCREASE IN NON-PERFORMING LOANS/


CLASSIFIED ADVANCES AS ON 30-06-2008

While reviewing the position of NPL it has been observed with deep concern that portfolio of
NPL has been shoot up to the maximum level and seriously viewed by the President for this
accretion.

You are, therefore, advised to accelerate your self including every member of the staff to
contact each and every defaulter to liquidate their bank’s liability to reduce the portfolio of
NPL.

Please check each and every account of cash finance general/small finance and running
finance whose expiry date is 30-06-2008 and confirm that proposal has been dispatched to
this Office for renewal. Otherwise it will fall in the portfolio of NPL as on 30-09-2008.

Thousands of Agri Finance/Demand Finance against pledge of Gold Ornaments exists in all
branches whose expiry date is 30-06-2008. Please ensure these accounts have been
renewed/adjusted uptil now failing which all these accounts will be reported in the portfolio of
NPL which is not tolerable.

NBP Advance Salary, Rozagar Scheme and Saibaan accounts where one, two or three
installments are overdue should be contacted personally immediately to regularize the
position otherwise total outstanding in these finances accounts will be reported in NPL if three
monthly installments remains unpaid.

Please check each and every account of Project Financing/Agri Development and ensure that
no installment in respect of principal/mark up is overdue by 90 days from the due date failing
which total outstanding will be reported in the portfolio of NPL which is not tolerable.

Please ensure that quarterly mark up due as on 30-06-2008 has since been recovered uptil
now and ensure that no finance account will be reported in the portfolio of NPL due to non
recovery of quarterly mark up.

It must be kept in mind that in case of jeopardy of bank’s interest due to delayed action
entire responsibility will rest with you for all the consequences.

Please immediately prepare watch list in the light of Head Office Instruction Circular
No.134/2005 dated 01-12-2005 because after the promulgation of recovery ordinance 2001,
it is imperative that bank should start remedial measures even before the expiry of the limit
because now bank’s can get a decree only for principal, agreed period mark up and cost of
funds.

Branch Managers/Operations Managers & Credit Officers are reminded that preparation of
SCA and its finalization after taking into account the time based and subjective criteria is one
of the most important exercise vis-à-vis determination of the size of the infected portfolio i.e.
NPL. any attempt to conceal the true position of any account by the filed Offices on one
pretext or the other would be viewed seriously.

All branches circ


Please acknowledge receipt and ensure meticulously compliance.

Yours faithfully,

(ABDUL GHAFOOR) (TARIQ TAJ)


REGIONAL CREDIT MANAGEMENT CHIEF. REGIONAL BUSINESS CHIEF.

Copy for information to:-

1. The Regional Operations Chief, NBP/Regional Office, Gujranwala for information and
to accelerate the Operation Managers for meticulous compliance.
2. The Regional Compliance Chief, NBP/Regional Office, Gujranwala for information & to
locate all the expired limits through his filed staff to regularize the position well before the time
of classification i.e. 30-09-2008 to avoid unnecessary accretion in the portfolio of NPL.
3. Mr. Shahid Jamil, Head of Commercial Banking/General Manager (Agri),
NBP/Regional Office, Gujranwala , he is advised to prepare the statement of all expired limits
within seven days and ensure that proposals have been received from the branches for renewal
purpose. He is further advised to remain touch with the branches for speedy renewal of these
proposals.
4. Mr.Attique Afzal, Officiating Regional Retail Head, NBP/R.O.Gujranwala is advised to
prepare the statement of all Saiban, Rozgar and NBP Advance Salary Accounts where one, two
or three monthly installments have not been paid by the borrowers and ensure that notices have
been sent for recovery purpose. He is further advised to remain touch with a the branch for
speedy recovery of the retail financing / overdue installments

(ABDUL GHAFOOR) (TARIQ TAJ)


REGIONAL CREDIT MANAGEMENT CHIEF. REGIONAL BUSINESS CHIEF.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


FEBRUARY 20, 2008 '. 055-9200314

The Manager/Operation Manager,


National Bank of Pakistan,
ADDA GONDLANWALA BRANCH,
GUJRANWALA.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-

SR.NO. NAME OF PARTY LIMIT SANCTIONED.


1. M/S.FARAHAN TRADERS 4.700
2. M/S.MEHR AND CO.. 1.000

NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 29-02-2008 repeat 29-02-2008 after recovery of upto date regular mark up from
the borrowers, enabling us to forward the same to Head Office after processing the
same before their classification.

Yours faithfully,

All branches circ


(KARAMAT ALI CHAUDHARY)
REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


FEBRUARY 20, 2008 '. 055-9200314

The Manager/Operation Manager,


National Bank of Pakistan,
MORE EMINABAD.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-

SR.NO. NAME OF PARTY LIMIT SANCTIONED.


1. M/S.SUPER NAWAB PVC PIPE INDUSTRY 4.000

NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 29-02-2008 repeat 29-02-2008 after recovery of upto date regular mark up from
the borrowers, enabling us to forward the same to Head Office after processing the
same before their classification.

Yours faithfully,

All branches circ


(KARAMAT ALI CHAUDHARY)
REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


FEBRUARY 20, 2008 '. 055-9200314

The Manager/Operation Manager,


National Bank of Pakistan,
Hashmi Colony Branch,
Gujranwala.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-

SR.NO. NAME OF PARTY LIMIT SANCTIONED.


1. M/S.ASGHAR HOSIERY 0.250
2. M/S.CH.MUHAMMAD AMIN TRADING & CO. 3.600
3. M/S.KOKHAR ENGINEERING 1.000
4. M/S.FAISAL SANITARY FITTINGS. H- 48.500
P- 1.500

NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 29-02-2008 repeat 29-02-2008 after recovery of upto date regular mark up from

All branches circ


the borrowers, enabling us to forward the same to Head Office after processing the
same before their classification.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


FEBRUARY 20, 2008 '. 055-9200314

The Manager/Operation Manager,


National Bank of Pakistan,
Ghalla Mandi Kamoke

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-

SR.NO. NAME OF PARTY LIMIT SANCTIONED.


1. M/S.BILAL ZARI CORPORATION 2.000
2. M/S.KHURRAM & CO. 3.000
3. M/S.N.A.TRADERS. 3.000
4. M/S.RANA ABDUL KHALIQ AND BORTHERS 3.000

NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 29-02-2008 repeat 29-02-2008 after recovery of upto date regular mark up from

All branches circ


the borrowers, enabling us to forward the same to Head Office after processing the
same before their classification.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


FEBRUARY 20, 2008 '. 055-9200314

The Manager/Operation Manager,


National Bank of Pakistan,
G.T.Road Ghakhar Branch.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-

SR.NO. NAME OF PARTY LIMIT SANCTIONED.


1. M/S.BABA TRADERS 2.000

NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 29-02-2008 repeat 29-02-2008 after recovery of upto date regular mark up from

All branches circ


the borrowers, enabling us to forward the same to Head Office after processing the
same before their classification.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


FEBRUARY 20, 2008 '. 055-9200314

The Manager/Operation Manager,


National Bank of Pakistan,
Civil Lines Branch,
Gujranwala.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-

SR.NO. NAME OF PARTY LIMIT SANCTIONED.


1. M/S.AYESHA SPINNING INDUSTRIES 10.000
2. M/S.INSAF STEEL FURNANCE. H- 10.000
P- 25.000

All branches circ


NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 29-02-2008 repeat 29-02-2008 after recovery of upto date regular mark up from
the borrowers, enabling us to forward the same to Head Office after processing the
same before their classification.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


FEBRUARY 20, 2008 '. 055-9200314

The Manager/Operation Manager,


National Bank of Pakistan,
City Branch,
Gujranwala.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-

SR.NO. NAME OF PARTY LIMIT SANCTIONED.


1. M/S.MUHAMMAD ALI & CO. 1.000
2. M/S.CHAUDHARY TRADERS. 1.000
3. M/S.KASHMIR WEAVING FACTORY. 2.000
All branches circ
NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 29-02-2008 repeat 29-02-2008 after recovery of upto date regular mark up from
the borrowers, enabling us to forward the same to Head Office after processing the
same before their classification.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


FEBRUARY 20, 2008 '. 055-9200314

The Manager/Operation Manager,


National Bank of Pakistan,
Adda Gondlanwala Branch,
Gujranwala.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-

SR.NO. NAME OF PARTY LIMIT SANCTIONED.


1. M/S.FARHAN TRADERS 4.700
All branches circ
2. M/S.NEHR AND CO.. 1.000

NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 29-02-2008 repeat 29-02-2008 after recovery of upto date regular mark up from
the borrowers, enabling us to forward the same to Head Office after processing the
same before their classification.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


FEBRUARY 20, 2008 '. 055-9200314

The Manager/Operation Manager,


National Bank of Pakistan,
Atta Building Branch,
Gujranwala.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-
All branches circ
SR.NO. NAME OF PARTY LIMIT SANCTIONED.
1. M/S.MAJID CLOTH HOUSE 2.000
2. M/S.HASSAN CLOTH HOUSE. 2.000
3. M/S.MEER SANITARY FITTING. 0.500
4. M/S.AL-HILAL IRON STORE. 1.750
5. M/S.ZAHID & CO. 3.500
6. M/S.HUSSAIN STEEL INDUSTRIES. P- 7.500
H- 2.000

NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 29-02-2008 repeat 29-02-2008 after recovery of upto date regular mark up from
the borrowers, enabling us to forward the same to Head Office after processing the
same before their classification.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


FEBRUARY 20, 2008 '. 055-9200314

The Manager/Operation Manager,


National Bank of Pakistan,
O/S.Khiali Gate Branch,
Gujranwala.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We kind invite your kind attention to our Circular Letter No.ROG/CBW/2007/7296 dated 15-12-
2007 & ROG/CBW/2008/263 dated 29-01-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits of which stand expired since 31-12-2007.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD) It is therefore, advised to examine
each and every such case and immediately take correct/remedial measures by way of all
possible/available avenues to avoid accretion of such accounts in the classified portfolio of
All branches circ
your branch. It should be kept in mind that in case jeopardy of Bank’s interest, in any way due
to delayed action, entire responsibility will rest with you for all the consequences. We give
hereunder the list of expired limits (as per our record) of your branch as on 31-12-2007:-

SR.NO. NAME OF PARTY LIMIT SANCTIONED.


1. M/S.CHEEMA METAL WORKS P- 2.000
H- 1.800
2. M/S.MURTAZA METAL WORKS 2.000

NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 29-02-2008 repeat 29-02-2008 after recovery of upto date regular mark up from
the borrowers, enabling us to forward the same to Head Office after processing the
same before their classification.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


FEBRUARY 29, 2008 '. 055-9200314

The Manager/Operation Manager, 3RD REMIN DER


National Bank of Pakistan, MOST URGENT
O/S.Khiali Gate Branch,
Gujranwala.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We invite your kind attention to our Circular letter Nos.ROG/CBW/2007/7296 dated 15-12-
2007, ROG/CBW/2008/263 dated 29-01-2008 & letter No.ROG/CBW/406 dated 20-02-2008 on

All branches circ


the captioned subject along with list of Cash Finance/Small Finance (Hypo) limits whose
expired on 31-12-2007.

Inspite of our clear instructions in above referred letters regarding the submission of renewal
proposals before 29-02-2008, we regret to say that no proposal for renewal proposal have
been received by us up till date. As you are aware about the facts that there are very few
days left in expiry of cushion period of 90 days for classification in respect of those accounts,
limits of which stand expired since 31-12-2007. You are once again advised that considered
the matter on top priority basis and submit the renewal proposals immediately without
wastage of further time for our onward submission to Head Office.

It should be kept in mind that the proposals should be complete in all respects and
any accretion made in portfolio of NBP due to incomplete proposals i.e. lack of
information, entire responsibility will rest with you for all the consequences.

Any laxity occurred in obtaining the approval of renewal of expired limits will be
viewed seriously.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


FEBRUARY 29, 2008 '. 055-9200314

The Manager/Operation Manager, 3RD REMIN DER


National Bank of Pakistan, MOST URGENT
ADDA GONDLAN WALA BRANCH,
GUJRANWALA.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

All branches circ


We invite your kind attention to our Circular letter Nos.ROG/CBW/2007/7296 dated 15-12-
2007, ROG/CBW/2008/263 dated 29-01-2008 & letter No.ROG/CBW/398 dated 20-02-2008 on
the captioned subject along with list of Cash Finance/Small Finance (Hypo) limits whose
expired on 31-12-2007.

Inspite of our clear instructions in above referred letters regarding the submission of renewal
proposals before 29-02-2008, we regret to say that no proposal for renewal proposal have
been received by us up till date. As you are aware about the facts that there are very few
days left in expiry of cushion period of 90 days for classification in respect of those accounts,
limits of which stand expired since 31-12-2007. You are once again advised that considered
the matter on top priority basis and submit the renewal proposals immediately without
wastage of further time for our onward submission to Head Office.

It should be kept in mind that the proposals should be complete in all respects and
any accretion made in portfolio of NBP due to incomplete proposals i.e. lack of
information, entire responsibility will rest with you for all the consequences.

Any laxity occurred in obtaining the approval of renewal of expired limits will be
viewed seriously.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ /2008/ '.055-9200731, 250


MARCH 07, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

IMMEDIATE SUSPENSION OF BUSINESS DISCRETIONARY


POWERS REGIONAL MANAGEMENT COMMITTEE
AND ALL BRANCH MANAGERS OF GUJRANWALA REGION.

All branches circ


We reproduce hereunder the contents of Head Office, Karachi letter No.HO/CGC-
C&RBG/ADMN/2008/2787 dated 04-03-2008 for meticulous compliance of all
concerned:-

Quote

“Consequent upon representation made by the Regional Business Chief, Gujranwala,


advising that a large number of cases of Cash Finance (General/Hypothecation) Small
Finance, Secure Running Finance etc. involving millions of Rupees, have since been
expired on 31-12-2007. If these are not renewed upto 31-03-2008, all of these having
large amount will stand classified & be added in the NPL portfolio of the Region.
Further submission of all proposals to Head Office through SME Division, Lahore is a
time consuming process & it’s difficult to get renewal of all these cases upto 231-03-
2008.

Keeping in view of the above situation and to avoid addition in NPL, portfolio the
competent authority at Head Office has decided to restore the Regional
Management Committee’s (RMC) & Branch Managers’ powers for ONLY
renewal of Secured Running Finance Limits, where adequate securities are
available as per bank’s policies, subject to be condition that all parameters required
by the bank’s policies/procedure & SBP PRs etc are strictly complied with by the
Region/Branch, before allowing renewal of any SRF Limit.”
Unquote

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/GEN/2008/ '.055-9200731, 250


March 08, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

IMMEDIATE SUSPENSION OF BUSINESS DISCRETIONARY


POWERS REGIONAL MANAGEMENT COMMITTEE
All branches circ
AND ALL BRANCH MANAGERS OF GUJRANWALA REGION

We append below the extract of Head Office decision contained in their letter No.HO/
CGC-C&RBG/ADMN/2008/2787 dated 04.03.2008 for meticulous compliance of all
concerned:-

“The competent authority at Head Office has decided to restore the


Regional Management Committee’s (RMC) & Branch Managers’ powers for
ONLY Renewal of Secured Running Finance Limits, where adequate securities
are available as per bank’s policies, subject to be condition that all parameters
required by the bank’s policies/procedure & SBP’s PRs etc are strictly complied with
by the Region/Branch, before allowing renewal of any SRF Limit.”

You are, therefore advised to follow the H.O. instructions in letter & spirit.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


MARCH 19, 2008 '. 055-9200314

The Manager/Operation Manager, 4RD REMIN DER


National Bank of Pakistan, MOST URGENT
All branches circ
ADDA GONDLAN WALA BRANCH,
GUJRANWALA.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We invite your kind attention to our Circular letter Nos.ROG/CBW/2007/7296 dated 15-12-
2007, ROG/CBW/2008/263 dated 29-01-2008 & letters No.ROG/CBW/398 & 549 dated 20-
02-2008 & 29-02-2008 on the captioned subject along with list of Cash Finance/Small Finance
(Hypo) limits whose expired on 31-12-2007.

Inspite of our clear instructions in above referred letters regarding the submission of renewal
proposals, we regret to say that out of 2 no proposal for renewal purpose has been received
by us up till date. As you are aware about the facts that there are very few days left in expiry
of cushion period of 90 days for classification in respect of those accounts, limits of which
stand expired since 31-12-2007. You are once again advised that considered the matter on
top priority basis and submit the remaining renewal proposals immediately without wastage
of further time for our onward submission to Head Office.

It should be kept in mind that the proposals should be complete in all respects and
any accretion made in portfolio of NBP due to incomplete proposals i.e. lack of
information, entire responsibility will rest with you for all the consequences.

Any laxity occurred in obtaining the approval of renewal of expired limits will be
viewed seriously.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


MARCH 19, 2008 '. 055-9200314

The Manager/Operation Manager, 4RD REMIN DER


All branches circ
National Bank of Pakistan, MOST URGENT
CITY BRANCH BRANCH,
GUJRANWALA

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 31-12-2007 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We invite your kind attention to our Circular letter Nos.ROG/CBW/2007/7296 dated 15-12-
2007, ROG/CBW/2008/263 dated 29-01-2008 & letters No.ROG/CBW/398 dated 20-02-2008
on the captioned subject along with list of Cash Finance/Small Finance (Hypo) limits whose
expired on 31-12-2007.

Inspite of our clear instructions in above referred letters regarding the submission of renewal
proposals, we regret to say that out of 3 only 1 proposal for renewal purpose has been
received by us up till date. As you are aware about the facts that there are very few days left
in expiry of cushion period of 90 days for classification in respect of those accounts, limits of
which stand expired since 31-12-2007. You are once again advised that considered the
matter on top priority basis and submit the remaining renewal proposals immediately without
wastage of further time for our onward submission to Head Office.

It should be kept in mind that the proposals should be complete in all respects and
any accretion made in portfolio of NBP due to incomplete proposals i.e. lack of
information, entire responsibility will rest with you for all the consequences.

Any laxity occurred in obtaining the approval of renewal of expired limits will be
viewed seriously.

Yours faithfully,

(KARAMAT ALI CHAUDHARY)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

All branches circ


ROG/CBW/ R&P/2007-08/ '.055-9200731, 250
April 02, 2008. '. 055-9200314

ALL BRANCH MANAGERS / OPERATIONS MANAGERS


IN GUJRANWALA REGION

Dear Sir,

SEASONAL RICE/PADDY POLICY FOR THE SEASON 2007-08


RECOVERY OF QUARTERLY MARK-UP DUE ON 31.03.2008

In terms of Seasonal Rice/Paddy Policy parameters, 1st Mark-up due should be


recovered at the quarter ended on 31st March, 2008 by the branch management from
the borrowers availing Cash Finance (Rice/Paddy) limits from their branches.

You are therefore, advised to confirm whether the quarterly accrued mark-up since
stand recovered on 31.03.2008 from the Cash Finance borrowers or otherwise and
registered notices have been served to those borrowers who have not yet deposited
the amount of quarterly mark-up in their Cash Finance accounts.

Please note and ask the clients to get the amount of quarterly mark-up deposited in
their Cash Finance Accounts immediately failing which a disciplinary action can be
initiated against the defaulting branches / concerned staff for non-adherence /non-
compliance of H.O. instructions.

Your confirmation in this respect should reach this office on or before 05.04.2008
without awaiting our reminders enabling us to place the same before the competent
authority.

Yours faithfully,

(SHAHID JAMIL)
HEAD OF COMMERCIAL BANKING WING

Encls:

National Bank of Pakistan


Commercial Banking Wing
All branches circ
Regional Office Gujranwala

ROG/CBW/2009/ '.055-9200731, 250


JUNE 30, 2009 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

SME INFORMATION BORROWER WISE DATA AS ON 30-06-2009

With reference to above, we advise that the captioned statement is required to be


submitted on quarterly basis. We regret to note that borrower-wise quarterly
statement as on 30-09-2008 is not yet received as per revised format.

You are, therefore, advised to furnish the above information on revised format (copy
enclosed) along with floppy diskette on or before 10-10-2008 without any further loss
of time for our compilation and onward submission to Head Office, Karachi..

Yours faithfully,

(SHAHID JAMIL)
HEAD OF COMMERCIAL BANKING
ENCLS ( AS ABOVE)

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/2008/ '.055-9200731, 250


MAY 15, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

DISPOSAL OF OLD PLEDGED STOCKS AND STOCKS AGAINST


DETERIORATING/CLASSIFIED ACCOUNTS

With reference to above, we enclose a copy of Head Office, Karachi letter


No.HO/C&RBG/SME/2008/8849 dated 13-05-2008 along with its one enclosure
contents thereto are self explanatory for your information and necessary and
meticulous compliance.

Yours faithfully,

(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
ENCLS ( AS ABOVE)

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


MAY 31, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTISNG EXPIRED LIMITS, VALIDITY OF


WHICH ARE GOING TO BE EXPIRED ON 30-06-2008 OR EARLIER BUT
THESE HAVE NOT YET BEEN ADJUSTED/RENEWED

All the Branch Managers must be aware that there are very few days left in expiry of their
limits as on 30-06-2008. It is therefore, advised to examine each and every such case and
immediately take correct/remedial measure by way of all possible/available avenues to avoid
accretion of such accounts of your branch. It should be kept in mind that in case jeopardy of
Bank’s interest, in any way due to delayed action, entire responsibility will rest with the
respective Branch Manager for all the consequences.

Please ensure that none of our existing credit limits remain un-renewed provided due mark-up
has been paid, stipulated security held and various other parameters/guidelines are duly met.
For the purpose of expediting renewals of Regular Credit Limits, it must be ensured that all
the cases where there is no violation of any of the SBP Prudential Regulations are renewed
immediately.

If there are limits, validity of which are going to be expired on 30-06-2008, or earlier but these
have not been renewed, we would like to know why these accounts are still lying un-renewed.
Please examine all these accounts and take immediate measures for their
adjustment/renewal as the case may be.

Meanwhile, please ensure that securities held by the Bank remain sufficient to cover the
outstanding liabilities till final adjustment of all the accounts under all the circumstances and
in future Bank’s standard instructions contained in President Circular No.33/2001 dated 27-
11-2001 should be followed meticulously for submission of renewal proposals/cases well
before expiry of existing limits.

You are, therefore, advised to submit the renewal proposals latest by 14-06-2008 repeat 14-
06-2008, enabling us to process the same before their expiry.

Yours faithfully,

(TARIQ TAJ) (ABDUL GHAFOOR)


REGIONAL BUSINESS CHIEF. REGIONAL CREDIT MANAGEMENT CHIEF.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


JUNE 21, 2008 '. 055-9200314

ALL BRANCH MANAGERS / OPERATIONS MANAGERS


IN GUJRANWALA REGION

Dear Sir,

KEY PERFORMANCE INDICATERS (KPI’s)


ACHIEVEMENT OF HALF YEARLY/YEARLY TARGETS

Reference to the captioned subject, while reviewing the daily


statistics of deposits, advances as well as profit, it is noticed with
greater concern that despite the repeated reminders, verbal
instructions as well as discussions made during the monthly
meetings, the deposit, advances and the profit figures of the
branches are showing declining trends.

This state of affairs cannot be tolerated more, therefore, all the


Branch Managers as well as Operations Managers are advised to
look into the matter personally and make their all out efforts
towards the achievement of half yearly targets for the half year
ending as on
30-06-2008 covering all the avenues/aspects of the Branch
Business/Profit viz deposits, healthy advances, non fund base
income as well as reduction in Non Performing Loans etc.

No need to mention here that non-achievement of half yearly /


yearly targets shall result in great disfavor of the Branch
Management/staff in their Annual Performance Appraisal (APA).

Please acknowledge receipt and ensure compliance.

Yours faithfully,

(TARIQ TAJ) (MUHAMMAD


USMAN KHOKHAR) REGIONAL BUSINESS CHIEF.
REGIONAL OPERATIONS CHIEF .

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


JUNE 25, 2008 '. 055-9200314

ALL BRANCH MANAGERS / OPERATIONS MANAGERS


IN GUJRANWALA REGION

Dear Sir,

SUBMISSION OF CREDIT PROPOSAL OF RS.100 (M) AND ABOVE


FOR COMMERCIAL BORROWERS ON CREDIT REQJUEST FORMAT (CRF)
BEING
USED FOR CORPORATE BORROWERS.

Please refer to Credit Management Group, Head Office, Karachi


letter No.1672 dated 11-06-2008, contents of which are
reproduced hereunder for your information and meticulous
compliance:-

“Quote
Presently two different Credit Memos / Formats are being used in
the Bank circulated vide Instruction Circular No.115/2006 dated
December 30, 2006 and No.39.2007 dated April 2007 for
Commercial and Corporate loan requests respectively.

Now the Credit Committee has directed that there should be


standard format for all the proposals being submitted to the
Committee.

In the light of above decision it is decided to replace the Credit


Approval Memos for Commercial Borrowers having aggregate
credit facilities of Rs.100 Million and above (both funded and non
funded) with Credit Request Format for Corporate Borrowers
circulated vide Instruction Circular No.39/2007 dated April 21,
2007.
Unquote”

Please acknowledge receipt and ensure compliance.

All branches circ


Yours faithfully,

(TARIQ TAJ) (ABDUL GHAFOOR)


REGIONAL BUSINESS CHIEF. REGIONAL CREDIT MANAGEMENT CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


JULY 02, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION
REMINDER-I

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTISNG EXPIRED LIMITS, VALIDITY OF


WHICH HAS EXPIRED ON 30-06-2008 OR EARLIER BUT THESE HAVE
NOT YET BEEN ADJUSTED/RENEWED

We invite your kind attention towards our Circular Letter


No.ROG/CBW/2008/1760 dated 31-05-2008 resting on the captioned subject.

All the Branch Managers must be aware that their various limits have expired
as on 30-06-2008 or earlier. It is therefore, advised to examine each and
every such case and immediately take all corrective / remedial measures by
way of all possible / available avenues to avoid accretion of such accounts of
your branch in classified portfolio. It should be kept in mind that in case of
jeopardy of Bank’s interest in any way due to delayed action, entire
responsibility will rest with the respective Branch Manager for all the
consequences.

Please ensure that none of our existing credit limits remain un-renewed
provided due mark-up has been paid, stipulated security held and various
other parameters / guidelines are duly met. For the purpose of expediting
renewals of Regular Credit Limits, it must be ensured that all the cases where
there is no violation of any of the SBP Prudential Regulations are renewed
immediately.

All branches circ


If there are limits, validity of which has expired on 30-06-2008 or earlier but
these have not been renewed, we would like to know why these accounts are
still lying un-renewed / un-adjusted. Please examine all these accounts and
take immediate measures for their adjustment / renewal as the case may be.

Meanwhile, please ensure that securities held by the Bank remain sufficient to
cover the outstanding liabilities till final adjustment of all the accounts under
all the circumstances and in future Bank’s standard instructions contained in
President Circular No.33/2001 dated 27-11-2001 should be followed
meticulously for submission of renewal proposals/cases well before expiry of
existing limits.

No need to mention here that any laxity / delay in this regard and accretion in
NPLs shall rest exclusively on the shoulder of Branch Managers and they will
be entirely held responsible for consequences thereto.

Yours faithfully,

(TARIQ TAJ)
(ABDUL GHAFOOR)
REGIONAL BUSINESS CHIEF. REGIONAL
CREDIT MANAGEMENT CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


JULY 04, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

INCREASE IN CLASSIFICATION OF ADVANCES.

We have been continuously advising through letters / Monthly meetings and


telephone calls that NPLs of the bank should be reduced and effective
measure should be taken to avoid addition in classification. We really
appreciate efforts made by the field staff in recovery of the old NPLs.
All branches circ
It has also been observed that on 30-06-2008 the classification has been
increased due to non-recovery of mark yup of 31-03-2008 which is least
desired.

Ina view of the above you are requested to recover the mark up of 31-03-2008
and 30-06-2008 immediately on receipt of this letter.

Limits expired on 30-06-2008 be adjusted / renewed upto 31-07-2008


otherwise take appropriate steps to realize the bank liability and send definite
recommendations on prescribed formats on top priority basis.

It has also been noted that limits expired on 31-12-2007 and before has been
left un-attended without any solid reasons.

You are requested to immediately take drastic measures in this regard.

Yours faithfully,

(TARIQ TAJ)

REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2009/ '


.055-9200731, 250
FEBRUARY 06, 2009
'
. 055-9200314

The Manager,
National Bank of Pakistan,
Civil Lines Branch, Gujranwala.
Jalalpur Bhattian Branch.
All branches circ
Ghalla Mandi Kamoke Branch.

Dear Sir,

AMENDMENTS IN PRUDENTIAL REGULATIONS-


PROVISIONING FOR LOANS AND ADVANCES.

Please find enclosed copies of Commercial & Retail Banking Group,


Head Office, Karachi letters No.G.C.SREC/C&RBG/2009/227 dated 02-
02-2009 & CMG/NBP/SME/HO/09/306 dated 04-02-2009, contents
whereof self explanatory for your information and necessary
action are.

Yours faithfully,

(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
ENCLS (AS ABOVE)

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


JULY 16, 2008 '. 055-9200314
All branches circ
ALL BRANCH MANAGERS
IN GUJRANWALA REGION

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTISNG EXPIRED LIMITS, VALIDITY OF


WHICH HAS EXPIRED ON 30-06-2008 OR EARLIER BUT THESE HAVE
NOT YET BEEN ADJUSTED/RENEWED

Please refer to our reminder letter No.ROG/CBW/2008/2070 dated 02-07-2008


on the above subject.

It has been observed that instructions issued from Head Office and this Office
are not being complied in letter and spirit especially in reduction of NPL’s.

You are, therefore, finally requested to:-

1. IN CASE CF GENERAL, SMALL FINANCE, RUNNING FINANCE


AND OTHER GENERAL ADVANCES EXPIRED AS ON 31-12-
2007 OR EARLIER:-

Make all out efforts for adjustment / renewal of all the expired limits, send the
definite recommendations including selling of the properties mortgaged with
the Bank or any suitable remedial action to recover the stuck up amounts
outstanding within a period nor more than one week.

2. IN CASE OF ALL SEASONAL FINANCES EXPIRED AS ON 31-07-


2007 (RICE/PADDY), 31-01- 2008 (WHEAT) OR EARLIER:-

Send the proposals to Regional Office for selling of the stocks of the firms,
where stocks are not available then take suitable remedial measures including
selling of mortgaged properties, legal action immediately without fail.

3. IN CASE OF GOLD LOAN AGAINST AGRI / OTHER THAN AGRI /


DEMAND FINANCE:-

We have already initiated disciplinary action against the delinquents in this


regard and advise you to get all the Gold Loan accounts adjusted immediately
and no classified accounts in respect of gold loan should appear in bank books
after one week. In case of failure to get the gold loan accounts adjusted either
by regular recourse or by selling the gold ornaments within one week shall
be taken seriously and disciplinary action will be initiated against the
delinquents.

Detailed report / status of recoveries of NPLs of each branch reported in


classified statement of 30-06-2008 be sent to this Office latest by 25-07-2008
enabling us to reduce the NPLs outstanding in our statements accordingly.

Yours faithfully,

(TARIQ TAJ)
(ABDUL GHAFOOR)
REGIONAL BUSINESS CHIEF. REGIONAL
CREDIT MANAGEMENT CHIEF.

All branches circ


National Bank of Pakistan
CREDIT MANAGEMENT WING.
Regional Office Gujranwala

ROG/CMW/ 2008/ '.055-9200731, 250


JULY 16, 2008 '. 055-9200314

The Manager,
National Bank of Pakistan,
1. O/S.KHIALI GATE BRANCH, GUJRANWALA.
2. MANSOORWALI.
3. BADDAY.
4. MANDI FAIZABAD.
5. GUJRANWALA ROAD, HAFIZABAD.
6. MAIN BRANCH, HAFIZABAD.
7. ALIPUR CHATHA.
8. MURIDKE.
9. CIVIL LINES BRANCH, GUJRANWALA.
10. G.T.ROAD RAHWALI.
11. G.T.ROAD GHAKHAR.
12. MORE EMINABAD.
13. MANSOORWALI.
14. JAJLPUR BHATTIAN BRANCH.
15. KOT JAI SINGH.
16. GHALLA MANDI KAMOKE.

Dear Sir,

BRANCH MANAGFERS MEETINGS WITH REGIONAL BUSINESS CHIEF.&


REGIONAL CREDIT MANMAGEMENT CHIEF.

Please refer to this Office letter bearing No.RHQ (G)/CMW/1334 dated 16-07-
2008 on shoot up / increase in non-performing loans / classification of
advances. A Branch Managers meeting in this regard is scheduled to be held
on Monday i.e. 21-07-2008, 3.00 PM at NBP, Regional Office, Gujranwala. The
agenda of the meeting is as under:-

1. To discuss the classified portfolio of individual branches and action plan


for early recovery of non-performing loans.
2. Branch Managers are advised to attend the meeting in person fully
prepared alongwith all the detail of classified accounts to discuss / chalk
out the remedial measures / action plan for recovery of non-performing
loans.

All the Branch Managers of above noted branches are accordingly advised to
attend the meeting in person, no leave shall be granted to any Manager on
date of the Meeting. No need to mention here that dress code and timings be
strictly observed.

Yours faithfully,

(TARIQ TAJ)
(ABDUL GHAFOOR)
All branches circ
REGIONAL BUSINESS CHIEF. REGIONAL
CREDIT MANAGEMENT CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


JULY 17, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

MARAKETING AND LENDING OF NBP FINANCES

Please refer to our letter No.ROG/C&RBW/2066 DATED 01-07-2008 on the


above subject.

It has been observed that enough concrete efforts are not being made to
achieve the targets.

You are, therefore, requested to immediately start marketing of NBP Products


like SME Financing, Agriculture Finance (General), Agriculture Finance (Gold),
NBP Advance Salary, NBP Saiban Scheme etc.

Your efforts will be highly appreciated.

Yours faithfully,

(TARIQ TAJ)
(ABDUL GHAFOOR)
REGIONAL BUSINESS CHIEF. REGIONAL
CREDIT MANAGEMENT CHIEF.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


JULY 19, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

STUCK UP AGRICULTURE ADVANCES AS ON 30-06-2008


AND OTHER NPLs.

The subject has been discussed at length since my arrival in the region. There
is no doubt the position is improving day by day.

It is still felt that drastic steps should be taken to adjust / renew all such
accounts and if you think that recovery is not possible then send definite
recommendations by 31-07-2008 of all NPL’s expired on 31-12-2007 or before.

Your efforts will be considerably appreciated and acknowledged.

Yours faithfully,

Sd/-
(TARIQ TAJ)

REGIONAL BUSINESS CHIEF.

Copy for information and request to stern on NPL’s while visiting


branches:-

1. The Regional Operation Chief, NBP / Regional Office, Gujranwala.


2. The Regional HR Chief, NBP / Regional Office, Gujranwala.
3. The Regional Credit Management Chief, NBP / Regional Office,
Gujranwala.
All branches circ
4. The Regional Compliance Chief, NBP / Regional Office, Gujranwala.

REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


JULY 19, 2008 '. 055-9200314

ALL RMT MEMBERS / ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

INTERNAL CONTROL MEMORANDUM 2007 ISSUED BY EXTERNAL


AUDITORS I.E. M/S.FOARD RHODES SIDAT HYDER & COMPANY
AND M/S.YOUSAF ADIL SALEEM & COMPANY.

Head Office vide their letter No.HO/C&RBG/SME/2007/13819 dated 18-07-


2008 desired that all out efforts should be made to reduce the NPLs. As we all
know that efforts are being made and results are positive. But we still need
extraordinary follow-up for early recovery.

The external Auditor has emphasized on the following points for better
internal control:-

YEA REC. RECOMMENDATION NAME GROUP.


R # OF
AUDITO
RS
200 16 Difference between Branch’s SCA and M.Yousa C&RBG
6 Head Office SCA be reconciled on timely f Adil
basis. Saleem
200 17 Appropriate system should be developed M.Yousa C&RBG
6 to ensure that advances are evaluated f Adil
All branches circ
using “subjective criteria” specified in the Saleem
prudential regulations for the purpose of
ensuring correct classification and
provisioning.
200 19 Latest CIB reports must be obtained and Ford C&RBG
7 analyzed for a effective credit monitoring Rhodes
200 1.10 Latest audited financial statements must Ford C&RBG
7 be pursued regularly to determine current Rhodes
financial position of the borrowers.

Please acknowledge receipt and ensure compliance.

Yours faithfully,

Sd/-
(TARIQ TAJ)

REGIONAL BUSINESS CHIEF.

Copy to Mr.Tariq Jamali, EVP/Acting Group Chief, Commercial & Retail


Banking Group, NBP / Head Office, Karachi for information.

REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


August 28, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

SBP INSPECTION REPORT AS ON 31-12-2007 (REGION / BRANCH-WISE)


COMPARATIVE POSITION OF INSTANCES OF IRREGULARITIES

While analyzing the comparative position of instances of irregularities pointed


out by the SBP Inspection Team during the year 2006 and 2007, it has been
observed by the Higher Authorities at Head Office that 2115 instances have
been reduced as compared to the year 2006. The Region-wise position of
instances of irregularities is appended below:-

SR.N NAME OF THE TOTAL NUMBER OF


All branches circ
O. REGION INSTANCES
YEAR 2006 2007
1. GUJRANWALA 1128 621

From the above tabulated instances of irregularities, it has been transpired


that our Region have been succeeded in reducing the instances in 2007, but
the volume of instances still need to be reduced to zero during the year 2008.

Therefore, you are advised to please rectify the irregularities pointed out
during the course of inspection and make strenuous efforts to bring the
instances / irregularities to zero during the SBP Inspection as of 2008 in order
to escape from the penalties and ensure non recurrences of such instances /
irregularities in future.

Yours faithfully,

Sd/-

REGIONAL BUSINESS CHIEF.


(OFFICIATING)

Copy for information and necessary action:-

1. The Regional Operations Chief, NBP / Regional Office, Gujranwala.


2. The Regional Credit Management Chief, NBP / Regional Office,
Gujranwala.
3. The Compliance Chief, NBP / Regional Office, Gujranwala.

REGIONAL BUSINESS CHIEF.


(OFFICIATING)

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


SEPTEMBER 16, 2008 '. 055-9200314

The Manager/Operation Manager,


National Bank of Pakistan,
CHAK JAGNA BRANCH.

Dear Sir,
All branches circ
RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF
WHICH HAVE BEEN EXPIRED ON 30-06-2008 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 DASTED 02-07-2008 & ROG/CBW/2008/2211 dated 16-07-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of Bank’s
interest, in any way due to delayed action, entire responsibility will rest with you for all the
consequences. We give hereunder the list of expired limits (as per our record) of your
branch as on 30-06-2008:-

SR.NO. NAME OF PARTY LIMIT SANCTIONED.


1. M/S.BISMILLAH TRADERS 0.700

NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 20-09-2008 repeat 20-09-2008 after recovery of upto date mark up from the
borrowers, enabling us to renew the same after processing before their
classification.

Yours faithfully,

(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


SEPTEMBER 16, 2008 '. 055-9200314

The Manager/Operation Manager,


All branches circ
National Bank of Pakistan,
COLLEGE ROAD BRANCH,
GUJRANWALA.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 30-06-2008 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 DASTED 02-07-2008 & ROG/CBW/2008/2211 dated 16-07-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of Bank’s
interest, in any way due to delayed action, entire responsibility will rest with you for all the
consequences. We give hereunder the list of expired limits (as per our record) of your
branch as on 30-06-2008:-

SR.NO. NAME OF PARTY LIMIT SANCTIONED.


1. M/S.MADINA WOOL CENTRE. 3.800

NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 20-09-2008 repeat 20-09-2008 after recovery of upto date mark up from the
borrowers, enabling us to renew the same after processing before their
classification.

Yours faithfully,

(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala
All branches circ
ROG/CBW/ 2008/ '.055-9200731, 250
SEPTEMBER 16, 2008 '. 055-9200314

The Manager/Operation Manager,


National Bank of Pakistan,
COLLEGE ROAD BRANCH,
GUJRANWALA.

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 30-06-2008 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 DASTED 02-07-2008 & ROG/CBW/2008/2211 dated 16-07-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of Bank’s
interest, in any way due to delayed action, entire responsibility will rest with you for all the
consequences. We give hereunder the list of expired limits (as per our record) of your
branch as on 30-06-2008:-

SR.NO. NAME OF PARTY LIMIT SANCTIONED.


1. M/S.MADINA WOOL CENTRE. 3.800

NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 20-09-2008 repeat 20-09-2008 after recovery of upto date mark up from the
borrowers, enabling us to renew the same after processing before their
classification.

Yours faithfully,

(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


OCTOBER 07, 2008 '. 055-9200314

THE MANAGER,
NATIONAL BANK OF PAKISTAN,
1. CIVIL LINES, GUJRANWALA.
2. CIVIL LINES BRANCH, SHEIKHUPURA.
3. MAIN BRANCH, HAFIZABAD.
4. NANKANA SAHIB.
5. MAIN BRANCH, WAZIRABAD.
6. GHALLA MANDI KAMOKE.
7. NOWSHERA VIRKAN BRANCH
8. PINDI BHATTIAN BRANCH
9. GULABPURA CANTT BRANCH

Dear Sir,

PROCUREMENT OF DEPOSIT AT SPECIAL RATES.

Reference to our earlier letter bearing No.ROG/CBW/2008/3197 dated 23-09-


2008 on the captioned subject reply to which is still awaited, we regret to note
that you have not responded in the matter and have not yet made any
efforts / developments in this regard. We have again received an E-mail
message from the SEVP / Group Chief, Commercial & Retail Banking Group,
NBP, Head Office, Karachi narrating therein that most of our regions are not
meeting absolute deposit targets. The Bank needs immediate deposits and we
can offer upto 15% one year, 14.5% in 6 months, 14.25% in three months
deposits. Kindly let us know your branch’s immediate actions and potential
clients by return mail for procurement of Deposits immediately.

The matter is most urgent.

Yours faithfully,

(TARIQ TAJ) Sd/-

REGIONAL BUSINESS CHIEF.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


SEPTEMBER 20, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 30-06-2008 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 Dated 02-07-2008, ROG/CBW/2008/2211 dated 16-07-2008 &
dated 31-07-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of Bank’s
interest, in any way due to delayed action, entire responsibility will rest with you for all the
consequences.

You are, therefore, advised to submit the two sets


of renewal proposals latest
by 25-09-2008 repeat 25-09-2008 after recovery of upto date mark up from the
borrowers, enabling us to renew the same after processing before their
classification.

Yours faithfully,

(TARIQ TAJ) (ABDUL GHAFOOR)


REGIONAL BUSINESS CHIEF. REGIONAL CREDIT MANAGEMENT CHIEF.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


SEPTEMBER 22, 2008 '. 055-9200314

Ms.Rehana Ishaq,
Manager,
National Bank of Pakistan,
Farooqabad.

Madam,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 30-06-2008 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 Dated02-07-2008, ROG/CBW/2008/2211 dated 16-07-2008 &
dated 31-07-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of
Bank’s interest, in any way due to delayed action, entire responsibility will rest
with you for all the consequences. We give hereunder the list of expired limits (as per
our record) of your branch as on 30-06-2008:-

1. NUMBER OF ACCOUNTS:- 8
2. AMIOUNT:- 12.100 (M)

NOTE: Any expired limit missing by us in preparing the above list may please be included for
Submission of its renewal.

All branches circ


You are, therefore, advised to submit the two sets
of renewal proposals latest
by 25-09-2008 repeat 25-09-2008 after recovery of upto date mark up from the
borrowers, enabling us to renew the same after processing before their
classification.

Yours faithfully,

(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


SEPTEMBER 24, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 30-06-2008 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 Dated 02-07-2008, ROG/CBW/2008/2211 dated 16-07-2008 &
dated 31-07-2008andROG/CBW/2008/3144 dated 20-09-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of Bank’s
interest, in any way due to delayed action, entire responsibility will rest with you for all the
consequences.

As you are aware that the Management has increased the weightage of NPL
recovery by 60% KPIs and for all other performance evaluation purposes.

Yours faithfully,

(TARIQ TAJ) (ABDUL GHAFOOR)


REGIONAL BUSINESS CHIEF. REGIONAL CREDIT MANAGEMENT CHIEF.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ *
'.055-9200731, 250
OCTOBER 04, 2008
'. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

UNNECESSARY VISITORS TO BANK PREMSIES

We invite your kind attention towards President Office Circular No.6/2003 dated 18-10-2003
resting on captioned subject and reproduce hereunder the contents thereto for meticulous
compliance:-

“Quote”
I have, for a while now, been noticing a large number of visitors, including ex-Bank Officials
who have opted for Gold Handshake / Voluntary Separation Scheme or retired and some
serving Bank officials, including those subject to disciplinary action, visiting the Bank
premises, for no apparent business reason. Such individuals visit various Chambers /
Departments, use official telephones and fax for personal use, waste the time of officers and
Group Chief, / Departments, Heads / members of Regional Management Teams / Branch
Managers etc:-

It has therefore been decided to streamline visits to the Offices of the Group Chiefs /
Departmental Heads as follows:-

Any former or serving Bank Officials intending to see any Group Chief / Departmental Head
will make a proper request for meeting at the Security Desks, specifically justifying the
purpose and nature of the requested meeting.

i. The Security staff, in turn, will seek acknowledgement of the concerned Group
Chief / Departmental Head in token of their willingness for such a meeting.
ii. Concerned Group Chief or Departmental Head will personally received such a
visitor at the Security Desk if willing to see the individual.
iii. Such meetings will be held in the space specifically earmarked thereof and will be
brief and to the point.

All branches circ


iv. The concerned functionary will apprise Principal Staff Officer to the President of the
nature of discussions and outcome of each such meeting.

Meetings of serving Bank Officials with any Group Chief / Departmental Head, other than
those of their own Departments, will also be subject to the above procedure.

Similar code will also be followed at all the Regional Offices and the Branches.

This procedure will come into force with immediate effect and I expect everyone to
strictly adhere to this. Let me make it clear that any deviation by anyone will be treated
as insubordination and misconduct and will be dealt with accordingly.
“Unquote”

Further, it is observed that Branch Managers and Operations Managers are habitual of
sending customersat Regional Office which creates problem some in daily work.
Therefore, all the Manager /Operations Managers are strictly advised not to shift their
responsibilities and refrain from sending customers to unnecessarily visit the Controlling
Office especially in the Rice /Paddy season for smooth running of the processing of
finance proposals as desired and non compliance thereof will be considered with greater
disfavor.

Acknowledge receipt and ensure compliance.

Yours faithfully,

(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


SEPTEMBER 24, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

RENEWAL/ADJUSTMENT OF EXISTING EXPIRED LIMITS, VALIDITY OF


WHICH HAVE BEEN EXPIRED ON 30-06-2008 OR EARLIER BUT THESE
HAVE NOT YET BEEN ADJUSTED/RENEWED

We invite your kind attention to our Circular Letter No.ROG/CBW/2008/1760 dated 31-05-
2008, ROG/CBW/2008/2070 Dated 02-07-2008, ROG/CBW/2008/2211 dated 16-07-2008 &
dated 31-07-2008andROG/CBW/2008/3144 dated 20-09-2008.

You must be aware that there are very few days left in expiry of cushion period of 90 days for
classification in respect of those accounts, limits which stand expired on 30-06-2008.
Therefore, as per revised SBP PRUDENTIAL REGULATIONS, THESE WILL BECOME
CLASSIFIED IN CATEGORY OF S/S (SUB-STANDARD AS ON 30-09-2008) It is therefore,
advised to examine each and every such case and immediately take correct/remedial
measures by way of all possible/available avenues to avoid accretion of such accounts in the
classified portfolio of your branch. It should be kept in mind that in case jeopardy of Bank’s
interest, in any way due to delayed action, entire responsibility will rest with you for all the
consequences.

All branches circ


As you are aware that the Management has increased the weightage of NPL
recovery by 60% KPIs and for all other performance evaluation purposes.

Yours faithfully,

(TARIQ TAJ) (ABDUL GHAFOOR)


REGIONAL BUSINESS CHIEF. REGIONAL CREDIT MANAGEMENT CHIEF.
Asrtmental Head, other than those of their own Depasrtments, will also be subject to the above produc

Yours faithfully,

(TARIQ TAJ) (ABDUL GHAFOOR)


REGIONAL BUSINESS CHIEF. REGIONAL CREDIT MANAGEMENT CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2008/ '.055-9200731, 250


OCTOBER 07, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

SUB:INCREASE OF NPL’s WEIGHTAGE IN KPIs.

We invite your kind attention towards our Circular letters bearing No.ROG/CBW/2823 dated
02-09-2008, ROG/CBW/2008/3405 dated 24-09-2008 and E-Mail message dated 07-10-2008
received from the SEVP / Group Chief, Commercial & Retail Banking Group, NBP, Head Office,
Karachi on the captioned subject, contents of which are reproduced hereunder for your
information and meticulous compliance:-

“Quote”
Dear Colleagues, Please go through for each for your products and ensure recoveries ASAP.
As we all know that it has been decided that 60% weightage in every ones KPIs and
evaluations for 2008 will be on recoveries and reduction of NPLs in 2008. SO, I STRONGLY
SUGGEST THAT EACH ONE OF YOU STARTS PAYING EXTRA ATTENTION AND ENERGY ON THE
RECOVERIES AND RECDUTION OF NPLs.
“Unquote”

All branches circ


Yours faithfully,

(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ R&P/2008-09/ '.055-9200731, 250


October 11, 2008 '. 055-9200314

ALL BRANCH MANAGERS


OF CATEGORY II & III BRANCHES IN SHEIKHUPURA AND NANAKANA
DISTRICTS

Dear Sir,

ORIENTATION MEETING OF BRANCH MANAGERS WITH REGIONAL


MANAGEMENT TEAM REGARDING RICE SEASON POLICY 2008-09

Further to our letter bearing No.ROG/CMW/R&P/2008-09/3487 dated 29-09-


2008 resting on the captioned subject through which rice seasonal policy
2008-09 alongwith standardized CAMs for Rice Millers &Traders and
undertakings were conveyed in shape of soft copy (floppy diskette).

In this regard it is advised that an orientation / brief meeting is


scheduled to be held at NBP, Civil Lines Branch, Sheikhupura on 13-
10-2008 at 2.30 P.M Sharp.

All the Branch Managers are accordingly advised to attend the above said
meeting in person and come fully prepared to discuss all the matters
regarding preparation / sanction of finance proposals Rice Paddy Season
2008-09. Moreover, you are advised to please bring the hard copies of the
Rice Season Policy 2008-09 if possible in order to discuss the same in details
as desired. If you have any queries, feel free to contact Mr.Shahid Jamil, Head
of Commercial Banking Wing, Regional Office, Gujranwala on Telephone No.
055- 9200731.

Needless to mention that timing and dress code should be strictly observed.

Yours faithfully,

All branches circ


(TARIQ TAJ) (ABDUL GHAFOOR)
REGIONAL BUSINESS CHIEF. REGIONAL CREDIT MANAGEMENT CHIEF

CC for information and necessary action


1. All the members of Regional Management Team, NBP, Regional Office
Gujranwala.

VISIT REPORT OF COLLATERAL (SECURITIES) DATED___________


M/S._______________________________________

The undersigned has personally visited the undernoted properties pertaining to


the above referred firm for physical verification and confirm actual possession,
ownership, genuiness and proper approach to the property (ies). I am also agreed
with the valuation as assessed by the PBA / BRE.

The property (ies) have been physically visited / verified by me and are having
possession of the owner with no encroachment found and all the properties are
easily approachable through streets, roads etc:-

1.

2.

3.

OPERATIONS MANAGER MANAGER


(SIGNATURE, NAME & STAMP) (SIGNATURE, NAME & STAMP)

All branches circ


GENUINENESS CERTIFICATE

IN RESPECT OF _______________________________(NAME OF CUSTOMER)

I /We________________________________(Advocates in case of law


firm) do hereby certify that I we have physically checked the
record of________________________________(for verification of
title document)
and____________________________________________________(for
verification of relevant corroborative document( and have
found relevant entries in the said record confirming ownership
/ allotment / leasehold rights vesting
with_____________________________________(mortgagor). Hence
the property offered as collateral is genuine.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ '.055-9200731, 250


DECEMBER 24, 2008 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION.

Dear Sir,

All branches circ


KEY PERFORMANCE INDICATORS
NON ACHIEVEMENT OF TARGETS-2008 AND OTHERS.

While visiting the branches, it has been observed that proper efforts are not
being made to achieve the Deposit / NPL Targets, which is highly regretted.

For maximization of deposit it has been decided that targets of 2009 will be
based on the targets of 2008 and not on the actual deposit of 31-12-2008.
Therefore, branches who have achieved the targets are appreciated and
requested to continue their efforts to procure the maximum deposit on 31-12-
2008.

The Competent Authority at this Office has already communicated to all the
concerned that 25% of the Managers of non-performing branches shall
automatically be replaced based upon the results of year-2008.

Best wishes and happy new Year.

Yours faithfully,

(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.

VISIT REPORT OF COLLATERAL (SECURITIES) DATED_15-01-2009__________


M/S.SHAHID CERAMICS

All branches circ


The undersigned has personally visited the undernoted properties pertaining to
the above referred firm for physical verification and confirm actual possession,
ownership, genuiness and proper approach to the property (ies). I am also agreed
with the valuation as assessed by the PBA / BRE.

The property (ies) have been physically visited / verified by me and are having
possession of the owner with no encroachment found and all the properties are
easily approachable through streets, roads etc:-

Property measuring 1-Kanal 16 Marlas bearing Khasra No.8002/3481/3482/246 Khewat No.276 Khatooni
No.388 owned by Mr.Roshin Din, Muhammad Ashraf, Muhammad Ismail, Shahid Hussain S/O Noor
Muhammad

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2009/ '


.055-9200731, 250
FEBRUARY 06, 2009
'
. 055-9200314
All branches circ
The Manager,
National Bank of Pakistan,
Civil Lines Branch, Gujranwala.
Jalalpur Bhattian Branch.
Ghalla Mandi Kamoke Branch.

Dear Sir,

AMENDMENTS IN PRUDENTIAL REGULATIONS-


PROVISIONING FOR LOANS AND ADVANCES.

Please find enclosed copies of Commercial & Retail Banking Group,


Head Office, Karachi letters No.G.C.SREC/C&RBG/2009/227 dated 02-
02-2009 & CMG/NBP/SME/HO/09/306 dated 04-02-2009, contents
whereof self explanatory for your information and necessary
action are.

Yours faithfully,

(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.
ENCLS (AS ABOVE)

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ '.055-9200731, 250


FEBRUARY 11, 2009 '. 055-9200314

All branches circ


ALL BRANCH MANAGERS
IN GUJRANWALA REGION.

Dear Sir,

DRASTIC REDUCTION IN ABSOLUTE DEPOSIT OF


BRANCHES AS ON 31-01-2009

Reference is invited to the captioned subject, while reviewing the monthly


statement of Deposits / Advances / Profit for the month of January, 2009 in
comparison to the position depicted for the month of December, 2008 it is
noticed with greater concern that the absolute deposits of our Region have
drastically reduced from Rs.12226.602 (M) To Rs.10319.370 (M) which is
quite alarming and requires the personal attention of all the Branch Managers to
be taken on priority basis and make all out efforts to recover the shortfall of the
absolute deposits of their respective branches not only to be made good as per
the closing figures of the year ended, 31-12-2008 rather increase / enhance the
quantum of deposits which is the immense need of the Bank at present as well as
it can considerably contribute towards profitability of our branches / Region as
the prevailing rate of NBP General Account is quite attractive and high as
compared to last one to two years.

Please acknowledge receipt.

Yours faithfully,

(TARIQ TAJ)
REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ '.055-9200731, 250


JUNE 02, 2009 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION.

Dear Sir,

DRASTIC REDUCTION IN ABSOLUTE DEPOSIT OF


BRANCHES AS ON 31-01-2009

All branches circ


Reference is invited to Head Office, Karachi letter No.341 dated 28-05-2009
received from Mr.Tariq Jamali, EVP / Group Chief, Commercial & Retail Banking
Group, Head Office, Karachi.

On the special instructions of the President we need to combine our efforts to


raise / mobilized at least Rs.25.000 (M) by 30-06-2009. Please ensure / give your
best efforts that these deposits should preferably be low cost in nature and can
be retained for 6 months to a year.

Please acknowledge receipt.

Yours faithfully,

(AHMED SOHAIL WARRAICH)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ '.055-9200731, 250


JULY 10, 2009 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION.

Dear Sir,

DEPOSITS / ADVANCES POSITION OF ARMED FORCES & ITS


INSTITUTIONS AS ON 31-05-2009
All branches circ
Enclosed please find copy of eMail dated 08-07-2009 received from Head Office,
Karachi contents thereto are self explanatory for your information and further
necessary action in the matter.

You are, advised to provide us the requisite information on prescribed format


immediately for our onward submission to Head Office, Karachi as desired.

Matter is most urgent.

Yours faithfully,

(SHAHID JAMIL)
HEAD OF COMMERCIAL BANKING.
ENCLS( AS ABOVE)

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ '.055-9200731, 250


AUGUST 15, 2009 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION.
All branches circ
Dear Sir,

MINUTES OF 150TH EMERGENT OPERATIONS COMMITTEE


MEETING HELD ON 22ND JUNE, 2009
EXEMPTION OF AGRICULTURE FINANCING PRODUCTS FROM
BAN ON MARKETING OF LENDING PRODUCTS.

Enclosed please find copy of Head Office, Karachi letter bearing


No.HO/C&RBG/AFD/2009/133 dated 11-08-2009 alongwith copies of minutes of
150th Emergent Operations Committee Meeting held on 22nd June,2009 contents
thereto are self explanatory for your information and meticulous compliance.

Please acknowledge receipt and ensure compliance of the instructions in letter


and spirit.

Yours faithfully,

(AHMAD SOHAIL WARRAICH)


REGIONAL BUSINESS CHIEF.
ENCLS( AS ABOVE)

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ '.055-9200731, 250


SEPTEMBER 10, 2009 '. 055-9200314

All branches circ


ALL BRANCH MANAGERS
IN GUJRANWALA REGION.

Dear Sir,

MINUTES OF 150TH EMERGENT OPERATIONS COMMITTEE


MEETING HELD ON 22ND JUNE, 2009
ALLOCATION OF RECOVERY TARGETS TO ALL STAFF MEMBERS.

We invite your kind attention towards our earlier letter bearing


NO.ROG/CBW/2321 dated 15-08-2009 on the captioned subject, enclosing
herewith the copies of Minutes of 150 th Emergent Operations Committee Meeting
held on 22nd June,2009 for your information and meticulous compliance

In this regard, you are advised to ensure that you have assigned individual
recovery targets to all the staff members working in your branch as desired by
the worthy President of our Bank and send us the copy of Office Order
immediately for our further necessary action.

Yours faithfully,

(AHMAD SOHAIL WARRAICH)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ '.055-9200731, 250


All branches circ
'. 055-9200314
OCTOBER 03, 2009

ALL BRANCH MANAGERS


IN GUJRANWALA REGION.

Dear Sir,

NBP SATELLITE TOWN BRANCH, GUJRANWALA


FRAUD &A FORGERY – DIARIZATION OF AUDIT FINDINGS.

Enclosed please find copy of HRM & Administration Department letter bearing
No.GJWA/HRM/DCC/7211 dated 02-10-2009 contents thereto are self explanatory
for your information and meticulous compliance.

Please acknowledge receipt and ensure compliance of the instructions in letter


and spirit.

Yours faithfully,

(AHMAD SOHAIL WARRAICH)


REGIONAL BUSINESS CHIEF.
ENCLS( AS ABOVE)

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

All branches circ '.055-9200731, 250


'. 055-9200314
ROG/CBW/ /2009/
OCTOBER 30, 2009

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

SPECIAL DEPOSIT MOBILIZATION.

We reproduce hereunder the contents of Commercial & Retail Banking Group, NBP,
Head Office, Karachi letter No.HO/GC-C&RBG/2009/271 dated 29-10-2009 for
meticulous compliance of all concerned:-

Quote

“As per the instructions of the President NBP to focus on low-cost deposits a Special
Deposit Mobilization” effort is being launched to address the end-year position of
deposits. Under this initiative Special Deposit Targets have been assigned to the
regions to meet the deposit targets for December 31, 2009. The targets to be
achieved are as follow:-

Targets for November 30, 2009 PKR 503.5 Million.


Targets for December 31, 2009 PKR 316. Million.
Total:- PKR 819.5 Million.

The targets for November 2009 have to be met based on your current deposit
position (as of September 30, 2009) while the target of December 2009 will be
benchmarked against the position as of November 30, 2009, Deposits should
preferably be obtained for a period ranging from 1-3 months while ensuring that the
over all cost of funds of the region does not increase.

While pursuing these targets, special focus and efforts should be made on building
relationship with potential clients in order to mobilize / retain healthy deposits in the
future at competitive rates.
Unquote

Yours faithfully,

(AHMED SOHAIL WARRAICH)


REGIONAL BUSINESS CHIEF.

National Bank of Pakistan


Commercial Banking Wing
All branches circ
Regional Office Gujranwala

ROG/CBW/ /2009/ '.055-9200731, 250


NOVEMBER 07, 2009 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

OBSERVANCE OF STRICT SECURITY ARRANGEMENT AST BRANCHES.

Please refer to Head Office, Karachi Commercial & Retail Banking Group, letter
No.HO/C&RBG/ADMN/2009/10784 dated 03-11-2009 on the captioned subject.

Due to worst Law and Order situation of the country, you are advised to make strict
security arrangements during disbursement of monthly salaries to the persons of
Police & Law endorsement Agencies and extra vigilant measures should be taken
inside/outside the branch premises during these days to avoid any mishap.

Please acknowledge receipt and ensure meticulous compliance.

Yours faithfully,

(AHMED SOHAIL WARRAICH)


REGIONAL BUSINESS CHIEF.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ /2009/ '.055-9200731, 250


NOVEMBER 13, 2009 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

SANCTIONING OF FINANCE FACILITIES


RICE /PADDY SEASON 2009-10

We reproduce hereunder the contents of Office Note dated 12-12-2009 duly


approved by the Regional Business Chief and Credit Management Chief for your
further necessary action:-

Quote

“It has conveyed by many Branch Managers that the condition before disbursement
“Demarcation of property (ies) with the help of revenue
authority.” is making hurdles in disbursement of the finances as demarcation of
properties with the help of Revenue Authorities may take a lot of time and borrowers
may face difficulties.

Under the circumstances it is suggested that the demarcation before disbursement may
be deferred for some period and Branch Manager be advised to ensure confirm physical
existence of the securities / collateral mortgaged with the bank and Branch Manager also
be advised to make sure to demarcate all the securities / collateral during the currency of
limit within one month after the disbursement.

Unquote

Yours faithfully,

(AHMED SOHAIL WARRAICH) (ARSHAD MAHMOOD MIAN)


REGIONAL BUSINESS CHIEF. REGIONAL CREDIT MANAGEMENT CHIEF.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ '.055-9200731, 250


DECEMBER 05, 2009 '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION.

Dear Sir,

DEPOSITS / ADVANCES POSITION OF ARMED FORCES AND ITS


INSTITUTIONS AS ON 30-06-2009 & 30-09-2009

Enclosed please find copy of Commercial & Retail Banking Group Head Office,
Karachi letter No.SEVP/CRBG/PMT/SS/2009/11453 dated 03-012-2009 contents
thereto are self explanatory for your information and meticulous compliance.

You are, therefore, required to provide the above mentioned information latest
by 08-12-2009 positively. Please treat this as most urgent as this information is
required by the Senior Management and the President of NBP.

Yours faithfully,

(AHMAD SOHAIL WARRAICH)


REGIONAL BUSINESS CHIEF.
ENCLS( AS ABOVE)

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ /2009/ '.055-9200731, 250


OCTOBER 30, 2009 '. 055-9200314

The

Dear Sir,

SPECIAL DEPOSIT MOBILIZATION.

We reproduce hereunder the contents of Commercial & Retail Banking Group, NBP,
Head Office, Karachi letter No.HO/GC-C&RBG/2009/271 dated 29-10-2009 for
meticulous compliance of all concerned:-

Quote

“As per the instructions of the President NBP to focus on low-cost deposits a Special
Deposit Mobilization” effort is being launched to address the end-year position of
deposits. Under this initiative Special Deposit Targets have been assigned to the
regions to meet the deposit targets for December 31, 2009. The targets to be
achieved are as follow:-

Targets for November 30, 2009 PKR 503.5 Million.


Targets for December 31, 2009 PKR 316. Million.
Total:- PKR 819.5 Million.

The targets for November 2009 have to be met based on your current deposit
position (as of September 30, 2009) while the target of December 2009 will be
benchmarked against the position as of November 30, 2009, Deposits should
preferably be obtained for a period ranging from 1-3 months while ensuring that the
over all cost of funds of the region does not increase.

While pursuing these targets, special focus and efforts should be made on building
relationship with potential clients in order to mobilize / retain healthy deposits in the
future at competitive rates.
Unquote

Yours faithfully,

(AHMED SOHAIL WARRAICH)


REGIONAL BUSINESS CHIEF.

All branches circ


National Bank of Pakistan
Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2009/ '.055-9200731, 250


DECEMBER 29, 2009. '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

SUBMISSION OF QUARTERLY DATA BASE OF SME ADVANCES AND


OTHER STATEMENTS AS ON 31-12-2009 ON REVISED FORMAT FOR
REPORTING CHART OF ACCOUNTS ( RCOA )

With reference to above, we invite your attention towards the undernoted


information which is submitted by the Branches / Region n quarterly basis. it may be
noted that the SBP has taken a serious note of delayed submission which was caused
due to late / incorrect / incomplete data / figures by Branches / Region. Of late, SBP
has revised the rate of penalties manifold and the Banks are posed to greater risks,
in case of delayed / incorrect submission if information to SBP.
In order to avoid any kind of penalty, it is advised that the under noted information /
certifications should be submitted to us, on or before 05-01-2010, positively in
complete form / free of errors.
S. No. Nature of Information
1. Quarterly Borrower Wise SME data base (on MS Exel Sheet)
2. Summary Sheet / Format ‘A’ of SME advances as on 31-12-2009
3. Certificate of correctness of SME Data, etc. as on 31-12-2009

Please note that the information at Serial No. 1 & 2 will not be accepted, unless it is
accompanied with the Certificate of Correctness, listed at Sr. No. 3 above.
You are, therefore, advised to furnish the above information on revised format (copy
enclosed) alongwith floppy diskette on or before 05-01-2010 without fail for our
onward submission as desired. The said information may also be emailed at following
address.

jalilnbp@yahoo.com
The matter is extremely important and requires your personal attention.

Yours faithfully,

All branches circ


(AHMAD SOHAIL WARRAICH) (SHAHID JAMIL)
REGIONAL BUSINESS CHIEF HEAD OF COMMERCIAL BANKING
ENCLS (AS ABOVE)

National Bank of Pakistan


Commercial Banking Wing
Regional Office Gujranwala

ROG/CBW/ 2010/ '.055-9200731, 250


JUNE 17, 2010. '. 055-9200314

ALL BRANCH MANAGERS


IN GUJRANWALA REGION

Dear Sir,

SUBMISSION OF QUARTERLY DATA BASE OF SME ADVANCES AND


OTHER STATEMENTS AS ON 30-06-2010 ON REVISED FORMAT FOR
REPORTING CHART OF ACCOUNTS ( RCOA )

With reference to above, we invite your attention towards the undernoted


information which is submitted by the Branches / Region n quarterly basis. it may be
noted that the SBP has taken a serious note of delayed submission which was caused
due to late / incorrect / incomplete data / figures by Branches / Region. Of late, SBP
has revised the rate of penalties manifold and the Banks are posed to greater risks,
in case of delayed / incorrect submission if information to SBP.
In order to avoid any kind of penalty, it is advised that the under noted information /
certifications should be submitted to us, on or before 05-07-2010, positively in
complete form / free of errors.
S. No. Nature of Information
1. Quarterly Borrower Wise SME data base (on MS Exel Sheet)
2. Summary Sheet / Format ‘A’ of SME advances as on 30-06-2010
3. Certificate of correctness of SME Data, etc. as on 30-06-2010

Please instruct all concerned to ensure submission of SME Data on revised format at
the earliest possible time by 05-07-2010.
You are, therefore, advised to furnish the above information on revised format
alongwith floppy diskette on or before 05-07-2010 without fail for our onward
submission as desired. The said information may also be emailed at following
address.

jalilnbp@yahoo.com
The matter is extremely important and requires your personal attention.

Yours faithfully,

All branches circ


(AHMAD SOHAIL WARRAICH) (SHAHID JAMIL)
REGIONAL BUSINESS CHIEF HEAD OF COMMERCIAL BANKING
ENCLS (AS ABOVE)

All branches circ