Annual Plan Summary Report

MIS – April-2020
Summary of Audit Plan YTD 2020
BRANCH AUDIT (MA) Branch Audit Credit Risk Review IT Audit

5 234 17 8
0
YTD 2020
Management Audit Sharia Audit Total

28 18 310
Implementation Progress Report

MIS – April-2020
Audit Plan Implementation YTD 2020
Description BRANCH AUDIT (MA) Branch Audit Compliance

Additional Assignment 0 10 0

Audit Postponed 0 0 0

Audit-In-Progress 0 10 0

Final Audit Reports Issued 0 5 0

April-2020
mentation YTD 2020
Shariah Audit - Working
Credit Risk Review IT Audit Management Audit Sharia Audit
Paper
34 3 28 1 0

0 0 1 1 0

29 4 14 4 0

6 1 9 0 0
Total

76

61

21
Audit Rating Report

Ratings of Audits YTD YYYY (Current Year - 2nd Qu

Ratings Acceptable

Number of Audits 7

Ratings of Audits YTD YYYY (Previous Year - 2nd Q

Ratings Acceptable

Number of Audits 1
Year - 2nd Quarter - 2020)

Needs Satisfactory Weak Total

Improvement

1 0 6 14

Year - 2nd Quarter - 2019)

Needs
Satisfactory Weak Total
Improvement

0 2 0 3
Issue Tracking Report

Summary of Audit Issues for the Current Quarter Period (2nd Quarter - 2020)

DETAIL HIGH

New Issues Raised during the Period (2nd Quarter-2020) 67

Issues Closed during the period (2nd Quarter-2020) 1
Open Issues (2nd Quarter-2020) 74

Summary of Previous Open Audit Issues - At the end of 1st Quarter 2020

DETAIL HIGH

Previous Open Issues 31

Issues Closed of Previous Period 0
Open Issues of Previous Period 31

Summary of Audit Issues for the Current Quarter Period (2nd Quarter 2020)

DETAIL HIGH
New Issues Raised during the Period (2nd Quarter-2020) 67
Previous Open Issues 31
Total Issues 98
Issues Closed 1
Open Issues 97
(2nd Quarter - 2020)

MEDIUM TOTAL

55 122
0 1
71 145

f 1st Quarter 2020

MEDIUM TOTAL

24 55
0 0
24 55

(2nd Quarter 2020)

MEDIUM TOTAL
55 122
24 55
79 177
0 1
79 176
Aging Analysis Report

Aging Analysis of Open High Risk Issues raised by IAD

Themes On Track 1 - 90 Days
KYC/CDD-Periodic Review 9 12
Total 9 12
AD
91 - 180 Days 180 and Above TOTAL
5 38 64
5 38 64
Aging Analysis Report

Aging Analysis of Open Moderate Risk Issues raised by IAD

Themes On Track 1 - 90 Days
KYC/CDD-Periodic Review 21 5
Total 21 5
by IAD
91 - 180 Days 180 and Above TOTAL
6 28 60
6 28 60
Aging Analysis Report

Aging Analysis of Open Low Risk Issues raised by IAD

Themes On Track 1 - 90 Days
KYC/CDD-Periodic Review 4 1
Total 4 1
AD
91 - 180 Days 180 and Above TOTAL
2 2 9
2 2 9
Audit Ratings Report

Audit Ratings Issued during the Period (2nd Quarter - 2020)

HEAD OFFICE FUNCTIONS, BRANCHES & SHARIAH AUDITS

Current Audit Previous Audit

Audit Group Audit Title / Hub / Function
Rating Rating

3078-IBB Binor-Islamic - South-Islamic - South-RBG - 2020 -

Branch Audit 09-04-2020 - QA 1 Weak Weak

Branch Audit 3146-Hub Chowk-Islamic - South-Islamic - South-RBG - 2020 Acceptable

8015-ADC-Head Office-Consumer-RBG - 2020 - 10-04-2020 -

IT Audit Acceptable Needs Improvement
QA 3

8080-FinancialControlUnit-FinancialControlUnit-HeadOffice-
Management Audit Acceptable Acceptable
RelatedP - 2020 - 13-04-2020 - QA 2

8090-Compliance-Security-South-Central-North-SSC - 2020 -
Management Audit Weak
15-04-2020 - QA 1

8094-CSLA-CompanyS-HeadOffice-CS&LA - 2020 - 07-04-2020

Management Audit Acceptable Acceptable
- QA 6

8094-CSLA-CompanyS-HeadOffice-CS&LA - 2020 - 07-04-2020

Management Audit Weak Acceptable
- QA 7

Management Audit 8132-C&IBG-TransactionBanking-HeadOffice-CashMana - Weak

2020 - 07-04-2020 - QA 8

8134-HumanResource-HumanResources-HeadOffice-
Management Audit Weak Acceptable
HROperat - 2020

8134-HumanResource-HumanResources-HeadOffice-
Management Audit Weak Acceptable
HROperat - 2020 - 07-04-2020 - QA 10
High Risk Moderate Risk
Remarks
Issues Issues
Test Observation 1 - High - Repeated
2 2 Test Observation 3 - High

KYC, CDD & Transaction monitoring process is not effective

5.5 Account maintenance procedure is not effectively managed by
branch front office staff (Moderate)
3 10
HR policy with regards to staff job rotation is not effectively followed by
front office staff (High)

Test Observation 2 - High

1 1

Test Observation 1 - High - Job Rotation - Not Due

2 1 Test Observation 1 - High - Job Rotation - Overdue Br 1

Test Observation 1 - High - Repeated - Prize Bonds - Bucket 1

2 1 Test Observation 2 - High - Prize Bonds - Bucket 2

Observation 3 - High
1 1

Test Observation - High

1 1

1 2 Test Observation - High

Test Observation 2 - High

1 1

Test Observation 1 - High

1 1
CRR Audit Ratings Report

Ratings - Issued Reports after last BACGC Meeting CRR

Ratings
Region
Current Review

PORTFOLIO HEALTH CREDIT MANAGEMENT PROCESS

3219-RBG-AgriCLIS(II)-AgriCLIS(II)-AgriCLIS Needs Improvement Acceptable

3220-RBG-AB-AgriculturalBusiness-Agricultu Weak Needs Improvement

3221-RBG-AgriCLIS(I)-AgriCLIS(I)-AgriCLIS Needs Improvement Acceptable

tings

Last Review

PORTFOLIO HEALTH CREDIT MANAGEMENT PROCESS

Acceptable Acceptable
CRR Downgrades Report

ORR down grades - Issued Reports after last BACGC Meeting - CRR

Limit (F+NF) Outstanding (F+NF) Down Graded ORR

Sr No. Review Reference Borrower Name (Amount in Millions (Amount in Millions From
of Rupees) of Rupees)
1 South/2020/Agri CLIS - Test Borrower 1 1,100 2,200 5
07-04-2020 - QA 2

2 South/2020/Agri CLIS - Borrower 1 30 10 5

13-04-2020 - QA 1

3 South/2020/Agricultu - Borrower 1 300 150 5

10-04-2020 - QA 1
aded ORR
To Remarks

6 Reason for downgrade was real

6 Really real reasons

6 New reason for downgrade

CRR Issue Followup Report

Compliance Status of CRR Observations - CRR

CLOSED DURING LAST QUARTER Group

Ageing of the Outstanding Observations

Group Sub Group 1 - 90 Days

Retail Banking Group Agri CLIS (I) 0

Retail Banking Group Agri CLIS (II) 0

Retail Banking Group Agricultural Business 0

Retail Banking Group Commercial Banking and Small Medium Enterprise 0

Total 0
ations - CRR

Sub Group Closed Issue Total

ervations

1 - 90 Days 91 - 180 Days 180 and Above TOTAL

0 0 0 0

0 0 0 0

0 0 0 0

0 0 0 0
0 0 0
IA Repeated (Critical/ High) Issues Report

IA Repeated (Critical/ High) Issues on Finalized Reports (2nd Quarter - 2020)

# Repeated Audit Issues Themes

1 Test Observation 2 - Very High - Repeated Deceased Account

2 Test Observation 1 - High - Repeated Deceased Account

Test Observation 1 - High - Repeated - Prize Bonds -

3 Bucket 1 Prize Bonds

4 Test Observation - Very High - Repeated Deceased Account

5 Test Observation - High Deceased Account

6 Test Observation - Very High - Repeated Deceased Account

d Quarter - 2020)

Branches /Department

3078-IBB Binor-Islamic - South-Islamic - South-RBG

3078-IBB Binor-Islamic - South-Islamic - South-RBG

8090-Compliance-Security-South-Central-North-SSC

8094-CSLA-CompanyS-HeadOffice-CS&LA

8094-CSLA-CompanyS-HeadOffice-CS&LA

8132-C&IBG-TransactionBanking-HeadOffice-CashMana