ZARAI TARAQIATI BANK LTD

ZARAI TARAQIATI BANK LTD

TRAINING & DEVELOPMENTDEPARTMENT

Headed by: Ghulam Rasool SVP

SENIOR VICE PRESIDENTGHULAM RASOOL

STAFF COLLEGE UNIT

MUHAMMAD YOUSAF(VP)

SKILL TRAINING & DEVELOPMENT UNIT

SHAHZAD IQBAL(AVP)

Course Coord. & General Admn. Section

Accounts & LibrarySection

House Keeping & Hardware Maintenance

Section

Internal Nomination &Database Section

External Nomination & Examination Section

Administration & Coord.Section

Training Need Assessment

Employees Education & Internship Section

Evaluation & Feedback Section

TRAINING ADMN. &COORDINATION UNIT

RASHID AKHTAR (AVP)

VISION

Develop core and general competencies at different tiers of management, improve the training infra-structure and develop the Staff College as Model Banking Training Institute of the country.

OBJECTIVES

1. To unleash the hidden potential of the employees.

2. To identify and build right set of competencies in employees to optimize their performance.

3. To provide equal learning and development opportunities to employees across the bank by enhancing their understanding of new Financial & Commercial products, regulatory requirements and technological innovations for achieving future organizational goals.

FUNCTIONS

1. Identify, develop and impart best possible training & development innovative solutions.

2. Assess training & development needs of all employees in the Organization.

3. Ensure that the Bank possess trainers who are adequately trained to design, deliver in accordance with the training & development programs.

4. Establish an environment for trainees conducive to learning.

5. Liaise with all major training agencies, trainers & vendors to the Bank’s advantage.

6. Overall responsibility of implementation of HR policies and programs in areas of training, development and career planning.

Cont’d..

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7. Obtain feed back on various HR policies, procedures and programs to recommend improvements.

8. Evaluate, propose nominations for Overseas training programs through International Banking Institutes like:

a. The Association of Development Financing Institutions in Member Countries of the Islamic Development Bank ( ADFIMI )

b. Association of Development Financing Institutions in Asia and the & Pacific(ADFIAP)

c. Islamic Development Bank (IDB) donor agencies funded initiatives or their suitability vis-à-vis ZTBL.

9. Plan, arrange and conduct induction courses for new inductees, at all levels.

10. Arrange internships for students of HEC recognized Universities, in the field and at Head Office.

11. Process and finalize Employees Education requests to encourage the Employee’s to improve their academic / professional qualification not only for their career growth but also to prepare the Human Resource of the bank to meet the future challenges on self sustainable basis (Circular HRD-10/2009)

Categorization of Trainings

1. Refresher Trainings Courses at ZTBL, Staff College

2. Basic Trainings Courses at ZTBL, Staff College for newly recruited/ Promoted officers

3. Trainings/Workshops/Seminars at other institutes.

4. Field Workshops

5. Foreign Trainings

Different Approaches of Trainings

1. Overview of subject presented by the Speaker/ Resource Person

2. Group discussions3. Multimedia Presentations4. Practical Trainings5. Computer Lab Practices 6. Case studies

MAJOR TRAINING AREAS(i) CORE COMPETENCIES

Banking Operations and Management. Branch Accounting & Revenue Record Matters SBP Prudential Regulations. Credit and Recovery Policies. Recovery Procedures. Field Operations. Agriculture Technology Techniques & Methods. Audit Techniques And Compliance. Risk Management under SBP Regulations. Disaster Risk & Business Continuity Plan. Information Technology *

(ii) GENERAL COMPETENCIES

Effective Branch Management Performance Management Stress Management Effective Communication Skills Presentation Skills Customer Relationship Management Time Management

*(iii) INFORMATION TECHNOLOGY

Enterprise Recourse Planning(ERP) E-Business Suite(EBS) Centralized Loan Deposit Management System

(cLDMS) Dynamic Integrated Management Information System

(DIMIS) Introduction to Windows/ Operating Systems Microsoft Office - MS Word, Advance Excel. Internet/Electronic Mail, Internet Security.

Nomination Selection Criteria

Criteria for Selecting Training Courses / Workshops at ZTBL, Staff College/Inland Trainings

Training Calendar is being designed every year to meet the in-competencies and skill gaps of the officers/staff. T&DD tries to adhere with the training calendar, however if a certain task comes on priority-base by the higher management, it is flexible enough to modify according to the new recommendations.

There are four types of trainings conducted by Staff college namely

Refresher Training Courses at Staff College ( 3 days - 1 week) Basic Training courses for newly recruited/ Promoted officers(2 Weeks) One day workshops at Staff College( usually for Head Office Employees) One –Day Workshops at zonal Offices

Considerations

Specialized training courses and workshops are conducted on request of departments and divisions.

ERP –EBS trainings are being arranged this year on priority base and adjusted in preplanned training plan with some modifications.

The available courses, received mostly by email/ postal services, brochure/ news letter sent by different organizations all over the country, however importance given to IBP and SBP.

The course outline and level of course is viewed thoroughly

Criteria for Selecting Participants while arranging Training Courses / Workshops at ZTBL, Staff College

Following is observed while selecting participants to be nominated for trainings at Staff college.

1. The course participants would either fall in TNA Based/ Core Competencies/ Specialized Trainings.

2. TNA based courses are independent of place of posting or designation, even in some cases vary to their job descriptions. e.g if a person is well trained in core competencies and lacking in communication skills, the TNA states that he need a course on communication skills and not on the core competencies.

3. Every year core competency training courses are held primarily for Managers/ Dy. Managers/ AM(Ops), and MCO’s who are considered to be the back bone of the Bank. The participants of the courses are strictly chosen on their designations and place of postings.

4. All the participants of courses above are chosen on predefined criteria while keeping their designation, job description, place of posting, training history intact.

5. The participant is not selected for the similar training in the same year.

6. For workshops at zonal offices, all the concerned officers are advise to attend the workshops on DR&BCP and Revenue Record Matters(RRM).

Training Criteria for Selecting Participants for Inland Nomination

Trainings at other institutes of the country broadens the vision of officers within their own work circle. It provides the opportunity to share a common platform with other banks/Organizations and to share experiences/ technologies in the field.

While making nominations, Following is observed.i. The course relevance to our employees posted in that specific zone

where the training course is arranged. However some courses have their key importance and they are offered only at Karachi and Lahore as most of the organizations have their head offices there. Some meetings and conferences of SBP are arranged at head office Karachi so to keep our Executives/Officers up to date, we nominate our Employees to Off-Site training.

ii. The nominee should not be trained more than once a year and his last training should not be the same as of the current training. Unless required by the competent authority.

iii. The training course/ workshop/ conference participation fee is viewed in order to focus on best training within a suitable cost(quality versus Cost & relevance). The rule of three way trade-Off is observed.

Training Plan

REVISED PROPOSED TRAINING PLAN FOR CALENDER YEAR 2013

SR.NO.

Course TitleCategory of

Officers

Courses Duration Trainees

AT STAFF COLLEGE, ISLAMABAD1ZTBL Banking Operations and Newly Recruited OG-III OG-III 10 1 Weeks 2402SBP Prudential Regulations and Branch Operations Management for

Managers Managers(AVP) 9 3-days 2163Awareness on Agriculture Technology Field Operations, and Credit Risk

Management for MCO's AVP to OG-II 14 1 Week 336

4 Training Courses for Deputy / Assistant Managers AVP,OGI-OG-III 14 1 Week 3365ZTBL Operations Training for Middle Management AVP, OG-I 8 1 Week 192

6HO Employees, IT and General Competencies, Workshops AVP, OG-I-OG-III 4 1-2 Days 967Female Functionaries, IT Skills AVP to OG-III 2 1 Week 488Credit Administration/ Recovery Policies System in ZTBL CAD Personnel 6 1 week 1449Audit and Compliance Audit Personnel 5 3-Days 120

10Training Courses for Clerical Staff Clerical Staff 9 3-Days 216

11Multifarious Workshops for HO Executives/ OfficersExecutives/ Officers HO

6 1-Day 210

12KSSL Employees KSSL Staff 6 1 Week 144 TOTAL 93 2298

WORKSHOPS IN THE FIELD

13Workshops in Zones on DR&BCP AND Revenue Records at various Zones in the field

All Categories of Officers

10 1-Day 400

TRAINING AT OTHER INSTITUTES

14 Inland Nominations Keeping in view the current job Description and TNAAll Categories of Officers

1-2 Days 300

15Training of Board Members 2 Sub Total 302

Grand Total 3000

Current Year Training Achievements

Sr. No.

COURSE TITLENO. OF

COURSESNO. OF

PARTICIPANTSA TNA BASED TRAININGSi Training Courses on Analysis of Financial Statements with Soft Skills 2 36

iiBranch Accounting, Preparation of Balance Sheet, Reconciliation of Sundry/Suspence Accounts with Soft Skills

2 39

iii Recovery Policy, Recovery Procedures and Techniques Specially Handling Sam Loans 2 43iv Training Course for MCO's on Analysis of Revenue Record Matters with IT-Applications 8 177v Training Course for MCO's on Agriculture Loaning Schemes & Types of Securities 2 47vi Manager Course on Branch Management and Credit Administration with E-Mail Applications 1 17vii Manager Course on SBP PR's & Branch Operations Management with E-Mail Applications 2 45B IT/ERP-TRAININGS

1. IT/ERP Trainings (HO Officers)i IT Training for F&A Division Officers 1 5ii ERP Training Courses/Sessions for HO Officers/Staff 9 187

2. ERP Trainings (Field Officers)i ERP-EBS, cLDMS/cDMS and E-Mail Applications for Managers 5 104

iiERP-EBS, cLDMS/cDMS and E-Mail Applications for Dy. Managers/Asstt. Managers (Operations)

7 146

iii ERP-HRMS, cLDMS/cDMS and E-Mail Applications for Zonal Office/Branch Offices 4 91C AUDIT COURSEi Refresher Course for Audit Officers 2 54ii Refresher Course for Audit Executives 1 9D CAD TRAININGS Training Course on Credit Administration System in ZTBL 1 27E TRAINING OF NEWLY PROMOTED OFFICERS 2-Weeks Training Course for Newly Promoted Officers 2 45F TELLERS TRAININGS Training Courses for Tellers 13 289G CLERICAL STAFF TRAININGSI Training Courses of Clerical Staff with Soft Skills 3 65Ii Training Courses for Typists with IT-Applications 3 64 SUB TOTAL:- 70 1490

H Inland Trainings at Other Institutes 170 GRAND TOTAL:- 70 1660

COURSE-WISE ACHIEVEMENTS upto 31st August 2013

Internship Program Status

Sr.No.

Internship Program Achievements Plan2013

Achievement Upto

31-08-2013

1.Internship (without Stipend) for Students of various Universities/Institutions recognized by HEC.

225 222

2. Internship Program for Law Graduates 15 5

3. Internship for ACCA affiliates 45 16

4. Employees Education Program 10 12

5. Specialized Internship program 240 33

6 Student learning the Holy Quran at Iqra Academy 25 52

Training Need Assessment (For Officers of Head Office)

2013 - 2015

Training and Development Department has already conducted Training Need Assessment (TNA) for the field functionaries i.e. Officer Grade-III(OG-III) to Assistant Vice President (A.V.P) which has been accomplished successfully.

In order to keep up the required skills for officers in head office. The procedure is under process and will be initiated shortly.

Course Modules for 2013 to upgrade the skill of Field

Functionaries

TRAINING COURSE (TNA BASED) ON SBP PRUDENTIAL REGULATIONS AND BRANCH OPERATIONS MANAGEMENT

WITH E-MAIL APPLICATIONS FOR MANAGERS

• How to Avoid Common Discrepancies / Irregularities in Branch Banking Operations with Special Reference to SBP Inspection Reports Related to Credit Operations.

• ZTBL Instructions while entertaining, Processing, Recommending, Sanctioning and Disbursing the Loan Cases.

• Crops Loan Insurance Scheme of ZTBL and their payments.• State Bank of Pakistan (SBP) Prudential Regulation of Branch Banking Operations.• State Bank of Pakistan (SBP) Prudential Regulation of Agri. Finance.• Recovery of Bank’s dues & its related issues – a complete guide etc• Documentations required for initiating Court Cases, Legal Requirements/formalities.• How to Avoid Common Discrepancies in Branch Banking Operations:- 1) Account Opening

and their Operations. 2) Western Unions Services. 3) Clearing collection Through NIFT. 4) Cash Management etc. 5) Various errors and common discrepancies found in Audit Report of Branch.

• Monitoring of Books of Accounts through (DIMIS).• Reconciliation of Inter Branch Transaction & Settlement of Suspense/Sundry Accounts under

PR-03. • Know Your Customer (KYC), CDD, Anti-Money Laundering (AML/CFT Regulations R-1-R6).• Training Session on ERP-Self Service Module.• Electronic Mail: How to Create e-mail addresses. Using E-Mail Composing E-Mail, Basic E-

Mail Functions and How to Check.

3-DAYS TRAINING COURSE (TNA BASED) ON ANALYSIS OF REVENUE RECORD MATTERS FOR MCOS

• Analysis of Revenue Record Matters:- Verifications of Agriculture Pass Book with Jamabandi, Khasra Girdawari, Mutation Register etc.

• Charge Creation Certificate / Charge on Fard Jamabandi and its importance.

• Lending Operations Processes in the Bank.

• Types of Land ownership, different types of Books / registers constituting the record of rights. Important points to be considered while verification of Revenue Record.

• Major Issues in Scrutiny of Revenue Record in different Province (KPK, Baluchistan, Punjab, Sindh and AK). How to handle it?

• Problems raised while entertaining, Processing, Recommending, Sanctioning and Disbursing the Loan Cases.

• Training Session on ERP-Self Service Module/Leave Management.

• Types of Securities and Recovery related issues – a complete guide etc

3-DAYS TRAINING COURSE (TNA BASED) ON BRANCH ACCOUNTING PREPARATION OF BALANCE SHEET, RECONCILIATION OF

SUNDRY/SUSPENCE ACCOUNTS WITH SOFT SKILLS

• Overview of Corporate Vision, Mission & Core Values of ZTBL.

• How to Avoid Common Discrepancies in Branch Banking Operations:-

• Account Opening and their Operations.

• Handling of Various Instruments.

• Clearing collection & Remittance.

• Cash Management etc.

• Various errors and common discrepancies found in Audit Report of Branch.

• Guidelines for opening of Bank Accounts under SBP Rules.

• Inter - Branch Reconciliation & Settlement of Suspense/Sundry Accounts under PR-03. Centralized Pay Roll System of ZTBL.

• MS-Excel (Basic & Intermediate Level).

• Precautionary measures to be taken for safe guarding the security documents and preservation of permanent record of the Branches especially vouchers, output, Loan Ledger, Deposit /supplementary Ledgers etc.

• Statement of Affairs / General Ledger and its importance.

• Discussion on Profit & Loss Accounts, Trial Balance, Financial Statement/Balance Sheet.

• Preparation of Periodical returns / statements on quarterly & annual closing of Accounts of the Branches.

• Preparation of Auto Vouchers, Posting, Production, Checking and submission of FOCs Reports to Head Office.

• Introduction to Internet: How is the Internet Administered Intranet Network, LAN, and Popular Search Engines / Directories.

• Electronic Mail: How to Create e-mail addresses and Basic E-Mail Functions

3-DAYS TRAINING COURSE (TNA BASED) ON AGRICULTURE LOANING SCHEMES TYPES OF SECURITIES WITH E-MAIL APPLICATIONS FOR MCOS

• Loaning Policy and different Agriculture Loaning Schemes of ZTBL.

• Types of Securities, documentations to be obtained, steps & precautions to be taken for verification of title and possession of the applicant etc

• Recovery of Bank’s dues & its related issues – a complete guide etc

• ZTBL, Instructions while entertaining, Processing, Recommending, Sanctioning and Disbursing the Loan Cases.

• How to Avoid Common Discrepancies / Irregularities in Branch Banking Operations with Special Reference to SBP Inspection Reports Related to Credit Operations.

• Interactive Session on Revenue Record Matters.

• Crops Loan Insurance Scheme of ZTBL and their payments.

• Training Session on ERP-Self Service Module.

• Over view on State Bank of Pakistan (SBP) Prudential Regulations for Agricultural Financing.

• Electronic Mail: How to Create e-mail addresses. Using E-Mail Composing E-Mail, Basic E-Mail Functions and How to Check.

3-DAYS TRAINING COURSE (TNA BASED) ON RECOVERY POLICY, RECOVERY PROCEDURES AND TECHNIQUES SPECIALLY HANDLING SAM

LOANS WITH SOFT SKILLS

• Overview of Corporate Vision, Mission & Core Values of ZTBL.

• Recovery Policy / Procedures, Challenges ahead and way-out.

• Training Session on ERP-Self Service Module.


• How the Non Performing Portfolio Effecting the Bank’s profitability – Issues and Remedies.

• SAM Loans Current Policy and Procedure / incentive.

• How to Contain SAM Loans:- Techniques, MIS and Data Handling of SAM Loans.

• Recovery of Bank’s Dues through Litigation.



TRAINING COURSE FOR SUPER USERS OF ERP-EBS MODULE

• Fixed Assets• Accounts Payable• 1) Accounts Receivable 2) Budget Planning & Analysis.• Cash Management• General Ledger, Sub-Ledger Accounting.• Users Profiles Management.• ERP-EBS, Self Service and Learning Management.• 1) Compensation & Benefits.• 2) Payroll.• Fixed Assets – Super Users of Services, F&A and Five Branches.• Accounts Payable – Super Users of Services, F&A and Five Branches.• Cash Management – Super Users of F& A Treasury, and Five Branches.• Accounts Receivable – Super Users of F&A Treasury, and Five Branches.• General Ledger & Sub-Ledger Accounting – Super Users from F&A• Budget Planning & Analysis – Super Users from F&A and Five Branches.• Oracle HRMS and Payroll – Super Users of F&A and Five Branches.• 1) Oracle HRMS : - • 2) Employees Profiles Management.• 3) Employees Self – Service HR (Leave Management).• Career Development & Training. Functional & Analytical Reports and cLDMS/cDMS

TRAINING COURSE ON ERP-HRMS MODULE, cLDMS/cDMS WITH E-MAIL APPLICATIONS

• ERP-EBS, Self Service and Learning Management.

• 1) Oracle HRMS : -

• 2) Employees Profiles Management.

• 3) Employees Self – Service HR (Leave Management)

• 1) Accounts Receivable 2) Budget Planning & Analysis.

• Cash Management

• General Ledger, Sub-Ledger Accounting.

• Users Profiles Management

• Career Development & Training. Functional & Analytical Reports and cLDMS/cDMS.

• 1) Compensation & Benefits. 2) Payroll.

• 1 ) Recruitment & Selection 2) Transfers & Postings

• ERP-EBS, Self Service and Learning Management.

• Oracle HRMS:- Employees Profiles Management. Employees Self – Service HR (Leave Management).

• Accounts Receivable 2) Budget Planning & Analysis.

• Cash Management.

• General Ledger, Sub-Ledger Accounting.

• Career Development & Training. Functional & Analytical Reports and cLDMS/cDMS.

• Recruitment & Selection. Transfers & Postings.

• Compensation & Benefits. Payroll.

• Users Profiles Management.


•

• Fixed Assets.• Accounts Payable• 1) Accounts Receivable 2) Budget Planning & Analysis.• Cash Management• General Ledger, Sub-Ledger Accounting.• ERP-EBS, Self Service and Learning Management.• Users Profiles Management• Career Development & Training. Functional & Analytical Reports and cLDMS/cDMS• 1) Oracle HRMS : - • 2) Employees Profiles Management.• 3) Employees Self – Service HR (Leave Management).• 1) Recruitment & Selection. 2) Transfers & Postings.• Fixed Assets – Super Users of Services, F&A and Five Branches.• Accounts Payable – Super Users of Services, F&A and Five Branches.• Cash Management – Super Users of F& A Treasury, and Five Branches.• Accounts Receivable – Super Users of F&A Treasury, and Five Branches.• General Ledger & Sub-Ledger Accounting – Super Users from F&A and Five Branches.• Budget Planning & Analysis – Super Users from F&A and Five Branches.• Oracle HRMS and Payroll – Super Users of F&A and Five Branches.• Electronic Mail: How to Create e-mail addresses, E-Mail, Basic E-Mail Functions.

TRAINING COURSE ON ERP-EBS, cLDMS/cDMS WITH E-MAIL APPLICATIONS FOR DEPUTY MANAGERS/ASSISTANT MANAGERS (OPERATIONS)

3-DAYS TRAINING COURSE ON ANALYSIS OF FINANCIAL STATEMENTS WITH SOFT SKILLS

• Overview of Financial Statements.

• Introductions of Financial Statements & Interpretation.

• Analysis of Financial Statements.

• Cash Flow Based Lending, Cash Flow Analysis / Cash Flow Statements, Cash Control.


• Inter – Branch Reconciliation & Settlement of Sundry/Suspense Accounts under PR-03.

• Creation of Central Account Entries, Originating/Responding of Advices, Maintenance of record.




3-DAYS TRAINING COURSE ON BRANCH ACCOUNTING PREPARATION OF BALANCE SHEET, RECONCILIATION OF SUNDRY/SUSPENCE ACCOUNTS WITH SOFT SKILLS

• Inter - Branch Reconciliation & Settlement of Suspense/Sundry Accounts under PR-03. Centralized Pay Roll System of ZTBL.




• How is the Internet Administered Intranet Network, LAN, and Popular Search Engines / Directories.

• Electronic Mail: How to Create e-mail addresses. Basic E-Mail Functions and How to Check.

• How to Avoid Common Discrepancies in Branch Banking Operations:-

• Account Opening and their Operations.

• Handling of Various Instruments.

• Clearing collection & Remittance.

• Cash Management etc.

• Various errors and common discrepancies found in Audit Report of Branch.


• Discussion on Profit & Loss Accounts, Trial Balance, Financial Statement/Balance Sheet.

• Preparation of Periodical returns / statements on quarterly & annual closing of Accounts of the Branches.

• Preparation of Auto Vouchers, Posting, Production, Checking and submission of FOCs Reports to Head Office.

• Precautionary measures to be taken for safe guarding the security documents and preservation of permanent record of the Branches especially vouchers, output, Loan Ledger, Deposit /supplementary Ledgers etc.

4-DAYS TRAINING COURSE FOR TELLERS WITH SOFT SKILLS

• Role As Teller:- 1) Projecting Bank’s Image. 2) Customer Satisfaction. 3) Interpersonal / Communications Skills.

• Customer Expectation:- 1) Listening to Customers. 2) Being helpful and Tactful. 3) Avoiding Arguments.

• Dealing with all Kinds of Customers:- 1) Elite Customers. 2) Difficult Customers. 3) Customers with Special Needs.

• Cross Selling Opportunities Provided by Daily Transactions:- 1) Knowledge about your Bank’s products & Services.

• Managing Cash by Tellers:- 1) Opening of Cash. 2) Handling of Cash. 3) Categories of Currency Notes. 4) Sorting of Currency Notes. 5) SBP Penalties. 6) How to avoid Penalties.

• Detection of Counterfeit Notes: Classification. 2) Cotton Paper. 3) Security Threads. 4) Embedded Features. 5) How to Sort a Counterfeit Currency.

• Handling Cash:- 1) Genuine and Counterfeit Currency. 2) Regulatory Compliance for Tellers. 3) How to get along with Co-workers, Supervisors & Managers.

• Requisites of Valid Cheques (Negotiable Instrument Act 1881).

• What is Cheque Fraud:- 1) Types of Cheque Frauds. 2) Signs of Bad Cheques. 3) Common Modus Operandi, 4) Prevention Tips against Cheque Frauds.



• Electronic Mail: How to Create e-mail addresses. Basic E-Mail Functions

3-DAYS TRAINING COURSE ON ERP-EBS, CLDMS/CDMS AND E-MAIL APPLICATIONS FOR MANAGERS FOR MANAGERS

• Fixed Assets• Accounts Payable• General Ledger, Sub-Ledger Accounting.• Cash Management• 1) Accounts Receivable 2) Budget Planning & Analysis.• 1) Oracle HRMS : - • 2) Employees Profiles Management.• 3) Employees Self – Service HR (Leave Management).• 1) Recruitment & Selection. 2) Transfers & Postings.• Users Profiles Management• Career Development & Training. Functional & Analytical Reports and cLDMS/cDMS• ERP-EBS, Self Service and Learning Management.• 1) Compensation & Benefits. 2) Payroll.• Fixed Assets – Super Users of Services, F&A and Five Branches.• Accounts Payable – Super Users of Services, F&A and Five Branches.• Cash Management – Super Users of F& A Treasury, and Five Branches.• Accounts Receivable – Super Users of F&A Treasury, and Five Branches.• General Ledger & Sub-Ledger Accounting – Super Users from F&A and Five Branches.• Budget Planning & Analysis – Super Users from F&A and Five Branches.• Oracle HRMS and Payroll – Super Users of F&A and Five Branches.• Electronic Mail: How to Create e-mail addresses, Basic E-Mail Functions and How to Check.

3-DAYS REFRESHER TRAINING COURSE FOR AUDIT OFFICERS

• Audit Planning & its execution.

• Report Writing Skills – awareness about risks / exposure understanding.

• General IT Controls Checklist

• Anti Fraud Techniques in Branches

• IT Risk Based Audit Techniques

• Lending Operations / Processes in the Bank

• Audit Checklist. Procedures for Settlement of Audit Para’s.

• Checking of Revenue Records.

• Techniques for Management Audit

• Prudential Regulations – Classification of loans as per SBP guidelines.

• Overview of Risk Based Audit in Branches / Rating criteria for Branches.

• Review performance

3-DAYS TRAINING COURSE FOR CLERICAL STAFF WITH SOFT SKILLS

• Word Processing on MS Word• Duties and Responsibilities of Typist / Clerical Staff.• Office Procedure, Maintenance of files, opening and closing procedure and their movement.

Referencing and manner of submission of files, indexing, paging, Mail handling. • Noting / Drafting on office files, self contained Note and Letters / Circulars etc.• MS-Excel (Basic & Intermediate Level). • Typist of Vouchers and Daily Posting of Vouchers in the Books of Accounts and their safe

custody. Maintenance of Books of Account and Balancing of Accounts.• Cash Handling:- Cash Scroll Register, Night Safe Register, Key Transfer Register Signature

Verification, Detecting Counterfeit, Preventing Frauds, Principles of Deposit Balancing. Guidelines for opening of Bank Accounts etc.

• Guidelines for opening of Bank Accounts under SBP Rules.• Effective Communication Skills:- Verbal Non Verbal, body Langue, Communication process,

Barriers of communication, Listening Skills.• Written Communication Official Writing (Letters, memos), Usage of E-Mail (out look)• Introduction to Internet: How is the Internet Administered Intranet Network, LAN, and Popular

Search Engines / Directories.• Electronic Mail: How to Create e-mail addresses. Using E-Mail Composing E-Mail, Basic E-

Mail Functions and How to Check.

2-DaysTraining Course on Credit Administration System in ZTBL

• Significance of Credit Administration System in the light of SBP instructions and contemporary banking practices.

• Credit Administration : Concept, Evolution and Objectives

• Revenue Record Examination and other related issues.

• Credit Administration vs. Credit Risk/ORR.

• Pre and Post documentation of loan sanctioned/Payment of loans. Documents to be checked by CAD for pre and post recovery operations in the Branch.

• Credit Administration: Job Responsibilities / Descriptions.

• Different Loaning Schemes having different documentations pattern, rational and Prescribed Documentation.

• Role of a Credit Administration in Branch Banking Operations and its importance.

• Credit Administration: Prudent Documentation / Safe Keeping & Maintenance of Back up Record.

• State Bank of Pakistan (SBP) compliance & Prudential Regulations of Agri. Financing.

2-WEEKS BASIC TRAINING COURSE, ERP-EBS, cLDMS/cDMS WITH SOFT SKILLS FOR NEWLY PROMOTED OFFICERS

• Role of MCO, Their Duties and Responsibilities, steps to be taken by an MCO during the course of his duties.

• Principal of sound loaning and selection of viable borrowers for Bank’s Loans.• Land Revenue Act, 1961• LAP, Act 1973• Loaning Policy and Major Loaning Schemes of ZTBL.• Structure and duties of filed functionaries of revenue department. Introduction to Land

Revenue, Jamabandi (Register Haqdaran), Khasra Girdawari, Mutation register, filed book and their importance, preparation, checking, authentication of these books and all allied matters. Checks and safeguards at the time of investigating the loan cases.

• Agriculture Pass Book, Preparation, process, contents and accurate structure of Pass Book.• Verifications of Agricultural Pass Book from revenue record and precautions to be taken to

avoid loans on fake pass book (Exercise)• Vouchers and their importance, Debit Cash Voucher, Credit Cash Voucher, Transfer

Voucher, input and output. Primary & Secondary Books/ Periodical Reports. • Daily posting of vouchers in the books of Accounts i.e. Cash book, Cash scroll, day book,

subsidiary and supplementary ledgers, loan ledgers, stitching, sealing, entry in vouchers register and their safe custody.

• Types of Land ownership and types of tenants. Different types of Books / registers constituting the record of rights, Incorporation of transfer rights/ amendments and omissions in Revenue Record, How these changes are incorporated in the record of rights Important points to be considered by an MCO on the verification of Revenue Record.

• Different types of books/registers constituting the record of rights, Incorporation of transfer of rights/amendments and omissions in revenue record. How these changes are incorporated in the record of rights, important points to be considered at the time of verification of revenue record

• Introduction to Internet: Internet Administered ,Network, LAN, Search Engines / Directories.• Electronic Mail: How to Create e-mail addresses. Basic E-Mail Functions and How to Check.• Fixed Assets, Accounts Payable, Cash Management, General Ledger, Sub-Ledger

Accounting.• 1) Oracle HRMS, 2) Employees Profiles Management. 3) Employees Self – Service HR

(Leave Management).• 1) Compensation & Benefits. 2) Payroll.• Functional & Analytical Reports and cLDMS/cDMS.• How to calculate, Loan Appraisal Fee/Postal Charges & self contribution. Appraisal and

report writing for loan cases.• Pre & Post Sanctions Documents. • Inter-Branch reconciliation & Settlement of Sundry/Suspense Accounts under PR-03.• Centralized Pay Roll System of ZTBL.• MS-Excel (Basic & Intermediate Level). • ZTBL, Instructions while entertaining, Processing, Recommending, Sanctioning and

Disbursing the Loan Cases.• Types of Securities, documentations to be obtained, steps & precautions to be taken for

verification of title and possession of the applicant etc

• Recovery of Bank’s dues & its related issues – a complete guide etc• 1) Recruitment & Selection. 2) Transfers & Postings.• Users Profiles Management• Fixed Assets, Accounts Payable, Fixed Assets – Super Users of Services, F&A and Five

Branches. Accounts Payable – Super Users of Services, F&A and Five Branches. Cash Management – Super Users of F& A Treasury, and Five Branches. Accounts Receivable – Super Users of F&A Treasury, and Five Branches. Learning Management. General Ledger & Sub-Ledger Accounting – Super Users from F&A and Five Branches. Budget Planning & Analysis – Super Users from F&A and Five Branches. Oracle HRMS and Payroll – Super Users of F&A and Five Branches.

• 1) Accounts Receivable 2) Budget Planning & Analysis.• Process of Account Opening in the light of new Prudential Regulations.• Inter Bank Settlements through NIFT and PRISM.• Main Books of Accounts, Day Book, General Ledger, Cash Scroll etc. and Subsidiary

Books of Accounts, Sundry Suspense Ledger, Income Exp. Ledgers etc.• Maintenance of Staff Advances Register, Deposit Ledger, Loan Ledgers,

Income/Expenses, Assets / Liability Ledger, Dead Stock Articles Registers, etc. • Statement of Affairs.• State Bank of Pakistan (SBP) Prudential Regulations of Branch Banking Operations (Agri.

Financing).• Know Your Customer (KYC), CDD, Anti-Money Laundering (AML). Guidelines of State

Bank of Pakistan.

One Day Workshops in ZTBL Zones (Disaster Recovery and Business Continuity Plan(DR&BCP), Revenue Record Matters(RRM) for Selected

Categories of Officers

• Conceptual understanding of Disaster Risk Management.• Implementing Disaster Avoidance.• Business Impact Assessment (BIA)• Designing Recovery Solutions.• Establishing a Disaster Recovery Site.• Selecting Backup & restore Strategies.• Perception and understanding of participants about Natural and human

induced disasters.• Approaches and classification of Risk Management in banking

Sectors.• Banking Risk, Business Continuity and Recovery Plans.• Analysis of Revenue Record Matters:- Verifications of Agriculture Pass

Book with Jamabandi, Khasra Girdawari, Mutation Register etc.• Charge Creation Certificate / Charge on Fard Jamabandi and its

importance.• Lending Operations Processes in the Bank.

External Speakers/ Resource Person

Sr. No Name/Designation Address Subject/Specialization

1. 1.

Mr. Wasimullah, Director, Staff College, National Bank of (NBP)0321-5334533 9206827

Implementation & strengthening of Effective Internal Controls, State Bank of (SBP) guidelines.Internal Credit Risk Management System (ICRMS).

2. Mr. Fahad Saeed, MBA (Finance)/ ACCA, Diploma in Risk Management/ MS Office, OGDCL, HQ, 0300-5067822

Cash Flow Based Lending, Cash Flow Analysis / Cash Flow Statements, Cash Control.Risk Management.Internal control - Banking Operations.7Cs of effective Communication.

3. Dr. Muhammad Ashraf, Ex-Director General, NARC.Tell No.0300-8506390

Area of Specializations:-AgronomyRice Wheat Production SystemPrecision Crop ManagementConstraint in ProductionResource Conservation Technologies.

4. Mr. Atique-Ur-Rehman Butt,Assistant Vice President, NBP, G-6/3

State Bank of (SBP). Prudential Regulations of Branch Banking Operations.Know Your Customer (KYC), CDD, Anti-Money Laundering (AML). Guidelines of State Bank of

5. Mr. Muhammad Azam, Ex-AD (Guest Speakers)

Revenue Record Matters

Sr. No

Name/Designation Address Subject/Specialization

6. Mrs. Hina Maqsood, Programme Officer Training, HR Development NetworkCell # 0333-5334818

Maximizing Leadership Potential by Exploring your Managerial Skills.Effective Customer Services Relationship Management in a current Services Based Banking Environment.Effective Written Communication Skills.

7. Mr. Mudayyar Hussain Naqvi,Assistant Vice President/Member Directing Staff (MDS), NBP, G-6/3,

• Complaints & Inquiry Procedure – Duties & Responsibilities of Inquiry Officer, Conduct of Inquiry and guidelines thereto.

• Detection Techniques of Fraud, Forgery & Impersonation.

• Effective Customer Services Relationship Management in a current Services Based Banking Environment.

• Anti-Money Laundering (AML), Customer Due Diligence (CDD) / Know Your Customer (KYC), reporting of suspicious transactions/Currency Transactions. Guidelines of Sate Bank of (SBP).

8. Mr. Arif Azam, Ex- Chief Manager State Bank of (SBP) 0333-5757672

Managing Cash by Tellers:- 1) Opening of Cash. 2) Handling of Cash. 3) Categories of Currency Notes. 4) Sorting of Currency Notes. 5) SBP Penalties. 6) How to avoid Penalties.Detection of Counterfeit Notes: Classification. 2) Cotton Paper. 3) Security Threads. 4) Embedded Features. 5) How to Spot a Counterfeit Currency.Dealing with all Kinds of Customers:- 1) Elite Customers. 2) Difficult Customers. 3) Customers with Special Needs.

Internal Speakers/ Resource Person of ZTBL

Sr.No.

Name / Designation /Department Subject / Specialization

1. Mr. Khalid Mehmood Gill, EVP (Recovery & SAM Division)

1) Recovery Policy / Procedures, Challenges ahead and way-out.

2) How the Non Performing Portfolio Effecting the Bank’s profitability – Issues and Remedies.

3) SAM Loans Current Policy and Procedure / incentive.4) How to Contain SAM Loans:- Techniques, MIS and

Data Handling of SAM Loans.5) Recovery of Bank’s Dues through Litigation.

2. Mr. Naseer Pervaz Qureshi, EVP, Information System Division 9252755

Oracle HRMS and Payroll – Super Users of F&A and Five Branches.Fixed Assets – Super Users of Services, F&A and Five Branches.Accounts Payable – Super Users of Services, F&A and Five Branches.Cash Management – Super Users of F& A Treasury, and Five Branches.Accounts Receivable – Super Users of F&A Treasury, and Five Branches.General Ledger & Sub-Ledger Accounting – Super Users from F&A and Five Branches.Budget Planning & Analysis – Super Users from F&A and Five Branches.

3. Mr. Muhammad Khalid Zia, AEVP, Credit Division

1. Lending Operations / Processes in the Bank.2. How to Avoid Common Discrepancies / Irregularities in

Branch Banking Operations with Special Reference to SBP Inspection Reports Related to Credit Operations.

3. Crops Loan Insurance Scheme of ZTBL and their payments.

4. Rana M. Zafar Iqbal Khan, SVP, Services Law Matters Department,

Documentations required for initiating Court Cases, Legal Requirements/formalities.

5. Mr. Sabah Mufti, SVP Credit Policy Department 9252712

1. Lending Operations / Processes in the Bank.2. ZTBL Instructions while entertaining, Processing,

Recommending, Sanctioning and Disbursing the Loan Cases.3. How to Avoid Common Discrepancies / Irregularities in

Branch Banking Operations with Special Reference to SBP Inspection Reports Related to Credit Operations.

4. Crops Loan Insurance Scheme of ZTBL and their payments.6. Mr. Muhammad Hameed

Shahid, AVP, Recovery Department. 0333-5107903

1. Recovery Policy / Procedures, Challenges ahead and way-out.

2. Recovery of Bank’s Dues through Litigation.3. SAM Loans Current Policy and Procedure / incentive.4. Pre and Post documentation of loan sanctioned/Payment of

loans. Documents to be checked by CAD for pre and post recovery operations in the Branch.

5. Checking of Revenue Records Matters.7 Mr. Khalid Mehmood Aslam, AVP

(HROD)1. Duties and Responsibilities of Senior Assistant/Clerical Staff.2. Office Procedure, Maintenance of files, opening and closing procedure and their

movement. Referencing and manner of submission of files, indexing, paging, Mail handling.

3. Noting / Drafting on office files, self contained Note and Letters / Circulars etc.

8 Mr. Muhammad Inayat, AVP Zonal Office, 0333-5169742

1. Main Books of Accounts, Day Book, General Ledger, Cash Scroll etc. and Subsidiary Books of Accounts, Sundry Suspense Ledger, Income Exp. Ledgers etc.

2. Statement of Affairs.3. Vouchers and their importance, Debit Cash Voucher, Credit Cash Voucher, Transfer

Voucher, input and output. Primary & Secondary Books/ Periodical Reports. 4. Daily posting of vouchers in the books of Accounts i.e. Cash book, Cash scroll, day

book, subsidiary and supplementary ledgers, loan ledgers, stitching, sealing, entry in vouchers register and their safe custody.

5. Maintenance of Staff Advances Register, Deposit Ledger, Loan Ledgers, Income/Expenses, Assets / Liability Ledger, Dead Stock Articles Registers, etc.

9 Mr. Rafiq Ahmed, AVP (P&RD) Word Processing on MS Word. MS-Excel (Basic & Intermediate Level). Internet & Electronic Mail, E-Mail

10 Khawaja Shafique Ahmed, AVP/Manager, H.O. Branch, . 0333-5250782

1. Dealing with all Kinds of Customers:- 1) Elite Customers. 2) Difficult Customers. 3) Customers with Special Needs.

2. Cash Handling:- Cash Scroll Register, Night Safe Register, Key Transfer Register Signature Verification, Detecting Counterfeit, Preventing Frauds.

3. Guidelines for opening of Bank Accounts under SBP Rules.4. Vouchers and their importance, Debit Cash Voucher, Credit Cash Voucher, Transfer

Voucher, input and output. Primary & Secondary Books/ Periodical Reports.5. Daily posting of vouchers in the books of Accounts i.e. Cash book, Cash scroll, day

book, subsidiary and supplementary ledgers, loan ledgers, stitching, sealing, entry in vouchers register and their safe custody.

6. Cross Selling Opportunities Provided by Daily Transactions:- 1) Knowledge about your Bank’s products & Services.

7. Types of Vouchers and Daily Posting of Vouchers in the Books of Accounts and their safe custody. Maintenance of Books of Account and Balancing of Accounts.

8. Main Books of Accounts, Day Book, General Ledger, Cash Scroll etc. and Subsidiary Books of Accounts, Sundry Suspense Ledger, Income Exp. Ledgers etc.

9. Maintenance of Staff Advances Register, Deposit Ledger, Loan Ledgers, Income/Expenses, Assets / Liability Ledger, Dead Stock Articles Registers, etc.

10. Discrepancies in Branch Banking Operations:- 1) Account Opening and their Operations. 2) Western Unions Services. 3) Clearing collection Through NIFT. 4) Cash Management etc. 5) Various errors and common discrepancies found in Audit Report of Branch.

11. Montoring of Books of Accounts through (DIMIS).11. Mr. Tariq Mehmood, OG-I HROD Word Processing on MS Word. MS-Excel (Basic & Intermediate Level). Internet &

Electronic Mail, E-Mail

12. Mr. Muhammad Adnan Hashmi, OG-I (IT-Audit) 9253173 & 2002110

General IT Controls Checklist

13. Khawaja Mohammad Ali, Senior IS Officer IT-SD 0333-2104291

IT Risk Based Audit Techniques

14. Mr. Javaid Iqbal Niazi, Manager IT-QAD 2002385 0321-5305363

Fixed Assets, Accounts Payable, Fixed Assets – Super Users of Services, Accounts Payable, Cash Management – Super Users of F& A Treasury, Accounts Receivable, General Ledger & Sub-Ledger Accounting, Budget Planning & Analysis and Oracle HRMS and Payroll.

15. Mr. Nahidullah Khan, Architect Manager (IT-SDD) 0333-2127883 200274

1) Oracle HRMS: - 2) Employees Profiles Management. 3) Employees Self – Service HR/Leave Management.4Training Session on ERP-Self Service Module.

15. Mr. Zulfiqar Haider, Team Leader/Sr. Programmer IT-SDD)0300-6698541 2002274

1) Accounts Receivable 2) Budget Planning & Analysis.2) ) Recruitment & Selection. 2) Transfers & Postings.Career Development & Training. Functional & Analytical

Reports and cLDMS/cDMS16. Mr. Qaiser Hassan Awan, Team

Leader / Sr. Programmer IT-SDD0333-5122898 2002102

General Ledger, Sub-Ledger Accounting. Cash Management.

17. Mr. Aamir Hussain Butt, Operating System Admn. (IT-Operation Deptt.) 0333-5209902

Internet & Electronic Mail: How to Create e-mail addresses. Using E-Mail Composing E-Mail, Basic E-Mail Functions and How to Check.

18. Mr. Usman Muzaffar, Sr. DBA IT-Ops.0321-7661234 2002387

Users Profiles Management.

19. Mr. Samiullah Sohail, Sys. Dev. IT-SDD. 0321-6434244

Learning Management AND Career Development & Training. Functional & Analytical Reports.ERP-EBS, Self Service and Learning Management.

20. Mr. Abdul Saeed, IT –Support Officer, IT-Operations Department 0333-5104260 2002123

Career Development & Training. Functional & Analytical Reports and cLDMS/ cDMS

21. Mr. Asif Jillani, System Develper, IT-SDD, 03005330924

Accounts Payable

22. Mr. Farooq Azam, QA A, IT-SDD 0321-539339120022407

Cash Management

23. Mr. Fareed Shafqat, OG-I, IT-SDD 0300-5264468

1) Oracle HRMS: - 2) Employees Profiles Management.3)Employees Self – Service HR (Leave Management).Recruitment & Selection. 4) Transfers & Postings.ERP-EBS, Self Service and Learning Management.Training Session on ERP-Self Service Module.

24. Mr. Wali Hashim, QAO, IT-QAD 0300-5306449 20022407

General Ledger, Sub-Ledger Accounting.

25. Mr.Abdul Hameed, DBA IT-Ops 0333-5587318 & 2002387

Users Profiles Management.

Contents Reflective Certificate of Training

MR.SHAHMIR AWAN, PP.NO. 15825, AVP/MANAGER, ZTBL, GOLARCHI BRANCH, HYDERABAD ZONEHas attended

ERP-EBS, cLDMS/cDMS and E-Mail Applications for ManagersW.E.F 8-07-2013 to 10-08-2013

CONDUCTED AT

ZTBL, STAFF COLLEGE, ISLAMABADFROM:July 8,2013 TO July 10, 2013

Ghulam RasoolMuhammad Yousaf

3-DAYS TRAINING COURSE ON ANALYSIS OF FINANCIAL STATEMENTS WITH SOFT SKILLS

W.E.F 8-07-2013 to 10-07-2013

• Overview of Financial Statements.

• Introductions of Financial Statements & Interpretation.

• Analysis of Financial Statements.

• Cash Flow Based Lending, Cash Flow Analysis / Cash Flow Statements, Cash Control.


• Creation of Central Account Entries, Originating/Responding of Advices, Maintenance of record.

• Inter – Branch Reconciliation & Settlement of Sundry/Suspense Accounts under PR-03.


• Hand on Practice (MS-Excel).


• Electronic Mail: How to Create e-mail addresses. Using E-Mail Composing , E-Mail, Basic E-Mail Functions and How to Check.

(Course Coordinator)