Professional Documents
Culture Documents
2 5DA
AUGUST 2005 ~ MARCH 2006
DEPENDENCE
MCB Circle Office Abbottabad hosted an Independence
Day Golf Match on 14th August, 2005. T h e Customer Satisfaction Annual Conference
Abbottabad Golf Club was an ideal location to host Makes the Difference March 2006
such a big event as it is surrounded by lush green
gardens, high mountains and beautiful chanar trees,
which attract famous and high ranking golfers from Annual Conference 2006
all parts of the country. The players participating in CONTENTS
the event included high ranking army officials and MCBs Annual Conference was held in
1 Annual Conference 2006
government servants. The tournament started at 9:30 Colombo this year and was attended by
a.m & Mr. Munir Saleem, EVP/Business Head CBG -
North was the Chief Guest at the occasion. The MCB 2 Mission Statement, 140 participants. In his inaugural speech,
Vision Statement the President welcomed all participants and
Team handed out give-aways to all the participants.
& Core Values
stated that the bank performed very well
The refreshments/brunch were served to all the
participants at the end of completing nine holes. 4 Wholesale Banking during 2005 with a growth of 217% in profit
A banner displayed at the MCB Independence Day Golf Mr. Munir Saleem distributed the prizes to the winners before tax.
Match - 2005, held at Piffer Golf Club Abbottabad on 5 Commercial Banking
14th August, 2005.
of the tournament, which turned out to be a very
successful and colourful event with quite a large
number of participants.
8 HR Activities While going through the figures for the year,
Training & Development
he explained that maximum growth was
The following Bank officials were also present at the 10 In-house Checks achieved in the commercial sector.
event; General Manager Abbottabad, Khawaja
However, the deposits were a cause of
M. Shafiq ur Rehman, Regional Manager Abbotabad,
11 In-house Improvements concern as they had grown only by 4%.
Mr. Muhammad Khalid Qureshi, Regional Manager
Attock, Mr. Waliullah Khan and Mr. Khan Afsar Jadoon, He specified that the Bank would
12 Sports & Achievements
Vice President, Circle Office, Abbottabad. concentrate on growth and improvement
a team in order to succeed and find solutions
in deposits along with advances during the
to the problems currently being faced during
upcoming year - The targets for deposits
up-gradation.
were set at Rs. 285 billion and for advances
Umrah Mubarak Scheme at Rs. 235 billion.
He concluded his address by presenting a
Brig, Sikandar Javed Commmandant FFRE Centre,
Abbottabad presenting a souvenir to Mr. Muneer
Saleem EVP/Business Head CBG - North. MCB Employees revised mission statement, vision statement
Foundation launched The President also emphasized that service
and core values of the Bank.
the Umrah Mubarak quality and technological up-gradation
Scheme during would be the crucial areas in the future, as
January 2005. The In his address, the Chairman, Mian Mansha,
they are essential for the growth of the Bank
scheme became and will provide the differentiating factor congratulated the senior management for
immensely popular the growth achieved in the year 2005.
to distinguish MCB from other competing
amongst the MCB staff Send your news item to:
and tremendous Hasan Mustafa
banks. He encouraged people to work as Expressing his concern over the low deposits
response was received Corporate Communications
Division, 15th Floor,
from almost every MCB Tower,
I.I. Chundrigar, Karachi.
office and branch of the Bank. Mr. Mohammad Aftab Tel: 111-000-111
Ext. 4615
Manzoor, President MCB and Chairman Board of Trustees
of MCBEF expressed his heartiest congratulations to selected
members. On the occasion, Mr. Khalid Niaz Khawaja, CEO-
Group Photograph of the MCB Team with MCB Employees Foundation announced that a 2nd Ballot
Mr. Muneer Saleem EVP/Business Head CBG -
North at the MCB Independence Day Golf of Umrah Mubarak Scheme would be carried out inshallah
Match - 2005. by the end of August, 2005.
Annual Conference 2006 Mission Statement, Vision Statement & Core Values
Customer Focus:
We continuously seek to exceed our customers expectations, forging and
maintaining long term relationships.
Innovation:
We strive to be the market leaders in innovative products and services offering
customized financial solutions with flawless execution.
Mission Statement:
"MCB Banks team of committed professionals is dedicated to maintaining long term customer relationships
through outstanding service and convenience".
Annual Conference 2006 Mission Statement, Vision Statement & Core Values
Customer Focus:
We continuously seek to exceed our customers expectations, forging and
maintaining long term relationships.
Innovation:
We strive to be the market leaders in innovative products and services offering
customized financial solutions with flawless execution.
Mission Statement:
"MCB Banks team of committed professionals is dedicated to maintaining long term customer relationships
through outstanding service and convenience".
PRESIDENT
Mr. Mohammad Aftab Manzoor
Addressing the participants of the
Managers Meeting at Shelton Hotel,
Gujranwala.
Cash Management
PRESIDENT
Mr. Mohammad Aftab Manzoor
Addressing the participants of the
Managers Meeting at Shelton Hotel,
Gujranwala.
Cash Management
Commercial Banking
Striving to Excel
Top Performers in the Circle Sitting on the left side:
Mr. Munir Saleem,
Sitting on the right side:
Mr. Faheem Butt,
EVP/Business Head CBG - North, Lahore. SVP/General Manager, Faisalabad Circle.
Mr. Nadeem A. Butt Mr. Muhammad Tariq Mirza,
SVP/General Manager Sargodha Circle VP/ Regional Manager, Faisalabad Central Region.
Mr. Farooq Malhi, R.M. Sahiwal.
Mr. Muhammad Siddique Chaudhry Mr. Muhammad Saleem Bajwa Mr. Abdul Majeed Chaudhry
AVP / Manager B/O Chashma Barrage OG-1 / Manager B/O Chak No.47/NB Sargodha AVP / Manager B/O Shaheed Road, Jhang Saddar
(Mianwali Region) (Sargodha Region) (Jhang Region)
Photograph taken at the eve of the inauguration ceremony of MCB Mr. Liaquat Durrani M.D - BSC (Bank), State Bank of Pakistan
ATM, Installed at SBP premises Lahore, largely attended by other is cutting red tape to inaugurate the MCB ATM installed at the
bank officials. Seen in the picture; Mr. Barbruce Ishaque-Chief State Bank of Pakistan, Lahore premises. Also seen in the picture;
Mr. Mohammad Aftab Manzoor President & Chief Executive, delivering souvenirs to Regional Managers Manager, SBP Lahore, Mr. Liaquat Durrani - M.D. (BSC)- SBP and Mr. Munir Saleem - EVP/Business Head CBG - North &
of Sargodha Circle for "Best Performance for the Year 2005". Mr. Munir Saleem EVP/Business Head CBG - North. Mr. Barbruce Ishaque - C.M. SBP Lahore.
Commercial Banking
Striving to Excel
Top Performers in the Circle Sitting on the left side:
Mr. Munir Saleem,
Sitting on the right side:
Mr. Faheem Butt,
EVP/Business Head CBG - North, Lahore. SVP/General Manager, Faisalabad Circle.
Mr. Nadeem A. Butt Mr. Muhammad Tariq Mirza,
SVP/General Manager Sargodha Circle VP/ Regional Manager, Faisalabad Central Region.
Mr. Farooq Malhi, R.M. Sahiwal.
Mr. Muhammad Siddique Chaudhry Mr. Muhammad Saleem Bajwa Mr. Abdul Majeed Chaudhry
AVP / Manager B/O Chashma Barrage OG-1 / Manager B/O Chak No.47/NB Sargodha AVP / Manager B/O Shaheed Road, Jhang Saddar
(Mianwali Region) (Sargodha Region) (Jhang Region)
Photograph taken at the eve of the inauguration ceremony of MCB Mr. Liaquat Durrani M.D - BSC (Bank), State Bank of Pakistan
ATM, Installed at SBP premises Lahore, largely attended by other is cutting red tape to inaugurate the MCB ATM installed at the
bank officials. Seen in the picture; Mr. Barbruce Ishaque-Chief State Bank of Pakistan, Lahore premises. Also seen in the picture;
Mr. Mohammad Aftab Manzoor President & Chief Executive, delivering souvenirs to Regional Managers Manager, SBP Lahore, Mr. Liaquat Durrani - M.D. (BSC)- SBP and Mr. Munir Saleem - EVP/Business Head CBG - North &
of Sargodha Circle for "Best Performance for the Year 2005". Mr. Munir Saleem EVP/Business Head CBG - North. Mr. Barbruce Ishaque - C.M. SBP Lahore.
Disbursement of salaries and loans of all staff have been centralized at the HRD. This will ensure proper deduction
and recovery in case of loans and increase the overall efficiency of the process. Branches, relieved of this administrative
task will be able to focus on their core functions.
An e-learning program was launched in October 2005 through which a limited number of e-learning scratch cards
were delivered to all the groups for distribution amongst their staff. With an e-learning card and a PC connected
to the internet, a user can instantly download one or more than four hundred courses available online. After
completing a course at their own pace, the user can take an online test and receive a certificate.
A series of soft-skills courses were offered for the staff working at MCB Tower, in the auditorium. A distinguishing Date: August 20, 2005 Course Name: Effective Branch
Manager Participants: Chief Manager / Managers
feature of these trainings was that employees were empowered to enroll in courses of their own choice with their Duration: 2 Days Speaker: Mr. Usman Y. Butt
, Venue: Training Centre Islamabad.
manager s consent. Such programs, including video based trainings will continue to be offered at this venue. Date: August 16, 2005 Course Name: CIF Training
Participants: Officers / Executives Duration: 1 Day
Speaker: Mr. Mukhtar Ahmed Venue: Training Centre
HR related policies, circulars and other information will soon be made available on the MCB intranet. Islamabad.
Date: August 10, 2005 Course Name: Time & Stress Management
Participants: POs / Fresh officers
Duration: 1 Day Speaker: Mr. Mueen A. Zafar
Venue: Training Centre Islamabad.
Disbursement of salaries and loans of all staff have been centralized at the HRD. This will ensure proper deduction
and recovery in case of loans and increase the overall efficiency of the process. Branches, relieved of this administrative
task will be able to focus on their core functions.
An e-learning program was launched in October 2005 through which a limited number of e-learning scratch cards
were delivered to all the groups for distribution amongst their staff. With an e-learning card and a PC connected
to the internet, a user can instantly download one or more than four hundred courses available online. After
completing a course at their own pace, the user can take an online test and receive a certificate.
A series of soft-skills courses were offered for the staff working at MCB Tower, in the auditorium. A distinguishing Date: August 20, 2005 Course Name: Effective Branch
Manager Participants: Chief Manager / Managers
feature of these trainings was that employees were empowered to enroll in courses of their own choice with their Duration: 2 Days Speaker: Mr. Usman Y. Butt
, Venue: Training Centre Islamabad.
manager s consent. Such programs, including video based trainings will continue to be offered at this venue. Date: August 16, 2005 Course Name: CIF Training
Participants: Officers / Executives Duration: 1 Day
Speaker: Mr. Mukhtar Ahmed Venue: Training Centre
HR related policies, circulars and other information will soon be made available on the MCB intranet. Islamabad.
Date: August 10, 2005 Course Name: Time & Stress Management
Participants: POs / Fresh officers
Duration: 1 Day Speaker: Mr. Mueen A. Zafar
Venue: Training Centre Islamabad.
What are we up to? monitoring on a central basis to look at the service being
offered by the branch staff. By doing so we are optimistic
1) Information Technology has
become the corner-stone of
4) Internet Protocol Telephony (IPT)
Project has been initialized which
functionality has been implemented
in all MCB branches and the
We at SQA emphasize on complete customer focus, about increasing the effectiveness of branch services, conducting business in most will connect 100 priority branches accounts have been opened
believing that quality is not a destination but a journey. improving client efficiency and boosting customer industries. Enterprises have used in Phase-I for voice over IP, hence throughout the country.
The major activities of the quality unit include process satisfaction in branches. In addition, it will enable their IT infrastructure to provide minimizing the telecom expenses of
flow documentation, process improvements, quality automated incident management and monitoring of competitive advantage, increase the bank.
measurements, customer satisfaction, surveys/mystery business activities and employee performance. productivity and empower users 9) RCOA (Reporting Chart of
shopping /focus groups, quality workshops, service quality to make faster and more informed 5) IP scheme of the entire network Accounts) has been implemented
audits & giving due importance to customer complaints. Process Improvement Teams decisions. In todays online, highly is being revamped to achieve successfully. RCOA has been
The unit is responsible for sharing the quality philosophy connected, fast paced world we network consolidation and developed on the basis of returns
of the organization, keeping in line with the new Vision, The concept behind PI Teams is training, formation and all expect Information Technology rectification of transaction delays, provided by the State Bank of
and to develop, design and implement the different quality facilitation of cross-functional Process Improvement systems to provide high hence improving the service levels Pakistan (SBP). As a regulator of
initiatives in the Bank to improve overall service, making teams sponsored by the Senior Management. The tasks availability, continuous operations, for our valued customers. reporting entities that comprise of
MCB the best service provider in the market. of these PI Teams will primarily be streamlining/re- and quick recovery in the event of Banks, Development Financial
engineering of the processes and improvement of TATs. a disaster. 6) Enterprise Management System Institutions (DFIs) and Micro Finance
Putting things in Black & White is being implemented for proactive Institutions (MFIs), SBP has
Our Consumer Analyst decided to start off Process To achieve the above objective, problem resolution for better service prescribed a number of returns
Consumer SQA North started off with documenting the Improvements with Autos, and met the various staff of MCB has already taken a strategic levels. through which data is sought from
process flows for the three products of Consumer Banking all the concerned departments. Work on Pyara Ghar decision to implement the Business these entities on different frequencies
of MCB i.e.; Pyara Ghar, Business Sarmaya and Car-4-U. and Business Sarmaya has also been initiated. The issues Continuity Plan. A project of this 7) Revised Demand Draft/Pay of time for the purpose of monitoring
With the current consumer setup, it is imperative that that were creating bottle necks are being marked and magnitude and complexity requires Order format and DD Advice their performance and generation of
all processes are documented and agreed by all action plans are being made. Meetings with department long drawn implementations, Format/Issuance across the various reports for its requirements.
stakeholders in order to meet our set service standards. heads were called where all the issues and action plans partner management and various automated (RSBS) branches in MCB has designed Financial
Now that the documentation is done, it will be smooth were discussed in order to reach unanimous decisions. other challenges. During the past Pakistan are in the process of rolling Management System to cater to the
sailing all along. We thank the consumer team for all These action points are continuously being added to, few months we have made out to all MIBS branches. Presently information collected from their
their support & co-operation. updated, and are circulated fortnightly. significant progress and our efforts there are two to three types of branches/offices on a daily basis and
have paid off. During the week of DD/PO formats and separate advices consolidating for FCD for onward
Service Quality Measurements March 20th, we achieved a major are printed in (MIBS) branches. In submission to SBP.
milestone by establishing order to bring uniformity in the
The next step after documentation connectivity of IBM storage systems format of DD/PO for Symbols & 10) 20 new ATMs have been
was to assign the indicators to measure TELL US HOW? between SST and Tower sites. MIBS branches, new enhancements delivered and installed, 8 of which
the TAT (Turn Around Times) of all Moreover, the replication of have been incorporated in the are activated and the remaining will
the critical steps within these Bilingual Customer Comment Card application, database and existing MIBS branches Remittances be activated on the targeted
processes. The TAT measurement middleware was also tested between System. This enhancement will also schedule.
, SQA has designed and circulated a bilingual customer comment card the two sites. eliminate the preparation of DD
didn t prove to be a walk in the park.
For one thing, collection of MIS turned which will help us to ascertain the overall perception of our services advice, as carbonized copy of DD
out to be a Herculean task. and to gauge the level of satisfaction of the MCB customers. In the 2) 220 ATMs out of the total of 235 will be used as an advice for the 11) MCBs intranet has been
initial stage approximately 150 comment cards will be placed have been shifted on Stable responding branch. launched. The address is
Once the TAT were assigned, the adjacent to the suggestion boxes in selected branches of MCB. Communication Media which will http://home.mcb.com.pk. Please
indicators were measured for each Also, 100 leaflets will be placed on CSO desks in other MCB significantly enhance our ATM 8) In order to facilitate and provide send your departmental information
product by sampling cases through branches. As per SBP requirements, the designed comment uptime. basic banking facilities to the low (circulars, forms, policy documents,
physical files. A report was then card displays a complaint logging procedure and contact income people of Pakistan, it has departments, org charts or any other
compiled and shared with the information. 3) 5 3 8 b r a n c h e s h a v e b e e n been decided by State Bank of helpful information) to
business. Some indicators could not connected to our online network out Pakistan that all commercial banks pmo.itg@mcb.com.pk.
be monitored due to lack of data but Spirit of Service of which 295 branches have been operating in Pakistan will introduce
from next month all shall be measured shifted to Stable Communication a Basic Banking Account (BBA)
as suggested to the units. Looking on Preparations are underway to launch the new service campaign Media. facility. This Basic Banking Account
the bright side, the only way to go in selected key branches across the country. This campaign will
from where we currently stand, is drive our vision of creating customer loyalty, exceeding
upwards. expectations and strengthening relationships. The purpose of this
campaign is to share the SQA spirit with the entire Bank and to
With regard to the video monitoring push towards a cultural shift which will promote our aspired
of our selected branches, it was SQA Vision. The rollout of this campaign will be extremely
decided to launch a pilot project of beneficial for the organization in terms of motivation, teamwork,
ten branches, where cameras will be bank outlook and customer focus.
What are we up to? monitoring on a central basis to look at the service being
offered by the branch staff. By doing so we are optimistic
1) Information Technology has
become the corner-stone of
4) Internet Protocol Telephony (IPT)
Project has been initialized which
functionality has been implemented
in all MCB branches and the
We at SQA emphasize on complete customer focus, about increasing the effectiveness of branch services, conducting business in most will connect 100 priority branches accounts have been opened
believing that quality is not a destination but a journey. improving client efficiency and boosting customer industries. Enterprises have used in Phase-I for voice over IP, hence throughout the country.
The major activities of the quality unit include process satisfaction in branches. In addition, it will enable their IT infrastructure to provide minimizing the telecom expenses of
flow documentation, process improvements, quality automated incident management and monitoring of competitive advantage, increase the bank.
measurements, customer satisfaction, surveys/mystery business activities and employee performance. productivity and empower users 9) RCOA (Reporting Chart of
shopping /focus groups, quality workshops, service quality to make faster and more informed 5) IP scheme of the entire network Accounts) has been implemented
audits & giving due importance to customer complaints. Process Improvement Teams decisions. In todays online, highly is being revamped to achieve successfully. RCOA has been
The unit is responsible for sharing the quality philosophy connected, fast paced world we network consolidation and developed on the basis of returns
of the organization, keeping in line with the new Vision, The concept behind PI Teams is training, formation and all expect Information Technology rectification of transaction delays, provided by the State Bank of
and to develop, design and implement the different quality facilitation of cross-functional Process Improvement systems to provide high hence improving the service levels Pakistan (SBP). As a regulator of
initiatives in the Bank to improve overall service, making teams sponsored by the Senior Management. The tasks availability, continuous operations, for our valued customers. reporting entities that comprise of
MCB the best service provider in the market. of these PI Teams will primarily be streamlining/re- and quick recovery in the event of Banks, Development Financial
engineering of the processes and improvement of TATs. a disaster. 6) Enterprise Management System Institutions (DFIs) and Micro Finance
Putting things in Black & White is being implemented for proactive Institutions (MFIs), SBP has
Our Consumer Analyst decided to start off Process To achieve the above objective, problem resolution for better service prescribed a number of returns
Consumer SQA North started off with documenting the Improvements with Autos, and met the various staff of MCB has already taken a strategic levels. through which data is sought from
process flows for the three products of Consumer Banking all the concerned departments. Work on Pyara Ghar decision to implement the Business these entities on different frequencies
of MCB i.e.; Pyara Ghar, Business Sarmaya and Car-4-U. and Business Sarmaya has also been initiated. The issues Continuity Plan. A project of this 7) Revised Demand Draft/Pay of time for the purpose of monitoring
With the current consumer setup, it is imperative that that were creating bottle necks are being marked and magnitude and complexity requires Order format and DD Advice their performance and generation of
all processes are documented and agreed by all action plans are being made. Meetings with department long drawn implementations, Format/Issuance across the various reports for its requirements.
stakeholders in order to meet our set service standards. heads were called where all the issues and action plans partner management and various automated (RSBS) branches in MCB has designed Financial
Now that the documentation is done, it will be smooth were discussed in order to reach unanimous decisions. other challenges. During the past Pakistan are in the process of rolling Management System to cater to the
sailing all along. We thank the consumer team for all These action points are continuously being added to, few months we have made out to all MIBS branches. Presently information collected from their
their support & co-operation. updated, and are circulated fortnightly. significant progress and our efforts there are two to three types of branches/offices on a daily basis and
have paid off. During the week of DD/PO formats and separate advices consolidating for FCD for onward
Service Quality Measurements March 20th, we achieved a major are printed in (MIBS) branches. In submission to SBP.
milestone by establishing order to bring uniformity in the
The next step after documentation connectivity of IBM storage systems format of DD/PO for Symbols & 10) 20 new ATMs have been
was to assign the indicators to measure TELL US HOW? between SST and Tower sites. MIBS branches, new enhancements delivered and installed, 8 of which
the TAT (Turn Around Times) of all Moreover, the replication of have been incorporated in the are activated and the remaining will
the critical steps within these Bilingual Customer Comment Card application, database and existing MIBS branches Remittances be activated on the targeted
processes. The TAT measurement middleware was also tested between System. This enhancement will also schedule.
, SQA has designed and circulated a bilingual customer comment card the two sites. eliminate the preparation of DD
didn t prove to be a walk in the park.
For one thing, collection of MIS turned which will help us to ascertain the overall perception of our services advice, as carbonized copy of DD
out to be a Herculean task. and to gauge the level of satisfaction of the MCB customers. In the 2) 220 ATMs out of the total of 235 will be used as an advice for the 11) MCBs intranet has been
initial stage approximately 150 comment cards will be placed have been shifted on Stable responding branch. launched. The address is
Once the TAT were assigned, the adjacent to the suggestion boxes in selected branches of MCB. Communication Media which will http://home.mcb.com.pk. Please
indicators were measured for each Also, 100 leaflets will be placed on CSO desks in other MCB significantly enhance our ATM 8) In order to facilitate and provide send your departmental information
product by sampling cases through branches. As per SBP requirements, the designed comment uptime. basic banking facilities to the low (circulars, forms, policy documents,
physical files. A report was then card displays a complaint logging procedure and contact income people of Pakistan, it has departments, org charts or any other
compiled and shared with the information. 3) 5 3 8 b r a n c h e s h a v e b e e n been decided by State Bank of helpful information) to
business. Some indicators could not connected to our online network out Pakistan that all commercial banks pmo.itg@mcb.com.pk.
be monitored due to lack of data but Spirit of Service of which 295 branches have been operating in Pakistan will introduce
from next month all shall be measured shifted to Stable Communication a Basic Banking Account (BBA)
as suggested to the units. Looking on Preparations are underway to launch the new service campaign Media. facility. This Basic Banking Account
the bright side, the only way to go in selected key branches across the country. This campaign will
from where we currently stand, is drive our vision of creating customer loyalty, exceeding
upwards. expectations and strengthening relationships. The purpose of this
campaign is to share the SQA spirit with the entire Bank and to
With regard to the video monitoring push towards a cultural shift which will promote our aspired
of our selected branches, it was SQA Vision. The rollout of this campaign will be extremely
decided to launch a pilot project of beneficial for the organization in terms of motivation, teamwork,
ten branches, where cameras will be bank outlook and customer focus.
2 5DA
AUGUST 2005 ~ MARCH 2006
DEPENDENCE
MCB Circle Office Abbottabad hosted an Independence
Day Golf Match on 14th August, 2005. T h e Customer Satisfaction Annual Conference
Abbottabad Golf Club was an ideal location to host Makes the Difference March 2006
such a big event as it is surrounded by lush green
gardens, high mountains and beautiful chanar trees,
which attract famous and high ranking golfers from Annual Conference 2006
all parts of the country. The players participating in CONTENTS
the event included high ranking army officials and MCBs Annual Conference was held in
1 Annual Conference 2006
government servants. The tournament started at 9:30 Colombo this year and was attended by
a.m & Mr. Munir Saleem, EVP/Business Head CBG -
North was the Chief Guest at the occasion. The MCB 2 Mission Statement, 140 participants. In his inaugural speech,
Vision Statement the President welcomed all participants and
Team handed out give-aways to all the participants.
& Core Values
stated that the bank performed very well
The refreshments/brunch were served to all the
participants at the end of completing nine holes. 4 Wholesale Banking during 2005 with a growth of 217% in profit
A banner displayed at the MCB Independence Day Golf Mr. Munir Saleem distributed the prizes to the winners before tax.
Match - 2005, held at Piffer Golf Club Abbottabad on 5 Commercial Banking
14th August, 2005.
of the tournament, which turned out to be a very
successful and colourful event with quite a large
number of participants.
8 HR Activities While going through the figures for the year,
Training & Development
he explained that maximum growth was
The following Bank officials were also present at the 10 In-house Checks achieved in the commercial sector.
event; General Manager Abbottabad, Khawaja
However, the deposits were a cause of
M. Shafiq ur Rehman, Regional Manager Abbotabad,
11 In-house Improvements concern as they had grown only by 4%.
Mr. Muhammad Khalid Qureshi, Regional Manager
Attock, Mr. Waliullah Khan and Mr. Khan Afsar Jadoon, He specified that the Bank would
12 Sports & Achievements
Vice President, Circle Office, Abbottabad. concentrate on growth and improvement
a team in order to succeed and find solutions
in deposits along with advances during the
to the problems currently being faced during
upcoming year - The targets for deposits
up-gradation.
were set at Rs. 285 billion and for advances
Umrah Mubarak Scheme at Rs. 235 billion.
He concluded his address by presenting a
Brig, Sikandar Javed Commmandant FFRE Centre,
Abbottabad presenting a souvenir to Mr. Muneer
Saleem EVP/Business Head CBG - North. MCB Employees revised mission statement, vision statement
Foundation launched The President also emphasized that service
and core values of the Bank.
the Umrah Mubarak quality and technological up-gradation
Scheme during would be the crucial areas in the future, as
January 2005. The In his address, the Chairman, Mian Mansha,
they are essential for the growth of the Bank
scheme became and will provide the differentiating factor congratulated the senior management for
immensely popular the growth achieved in the year 2005.
to distinguish MCB from other competing
amongst the MCB staff Send your news item to:
and tremendous Hasan Mustafa
banks. He encouraged people to work as Expressing his concern over the low deposits
response was received Corporate Communications
Division, 15th Floor,
from almost every MCB Tower,
I.I. Chundrigar, Karachi.
office and branch of the Bank. Mr. Mohammad Aftab Tel: 111-000-111
Ext. 4615
Manzoor, President MCB and Chairman Board of Trustees
of MCBEF expressed his heartiest congratulations to selected
members. On the occasion, Mr. Khalid Niaz Khawaja, CEO-
Group Photograph of the MCB Team with MCB Employees Foundation announced that a 2nd Ballot
Mr. Muneer Saleem EVP/Business Head CBG -
North at the MCB Independence Day Golf of Umrah Mubarak Scheme would be carried out inshallah
Match - 2005. by the end of August, 2005.