The Bank Of Punjab

Established in 1989, in pursuance of The Bank of Punjab Act 1989 and was given the status of scheduled bank in 1994. The Bank of Punjab is working as a scheduled commercial bank with its network of 273 branches at all major business centres in the country. The Bank provides all types of banking services such as Deposit in Local Currency, Client Deposit in Foreign Currency, Remittances, Advances to Business, Trade, Industry and Agriculture A wholly owned subsidiary of BOP First Punjab Modaraba (FPM) was established in 1992 and is being managed by Punjab Modaraba Services (Pvt) Ltd. Vision statement "To be a customer focused bank with service excellence" Mission statement To exceed the expectations of our stakeholders by leveraging our relationship with the Government of Punjab and delivering a complete range of professional solutions with a focus on programme driven products & services in the Agriculture and Middle Tier Markets through a motivated team. Mr. Naeemuddin Khan President Bank of Punjab

Mr. Naeemuddin Khan, newly appointed President, The Bank of Punjab, has experience of more than 25 years in local and international banking industry with good repute. Before joining the top slot of the BOP, he was the Chief Executive Officer and Managing Director of the PakLibya Holding Company (Pvt) Limited.

Naeemuddin has also served in the Corporate and Industrial Restructuring Corporation (CRIC) during the Shaukat Azizs government.

In 2001, he was seconded by the then Prime Minister, Shaukat Aziz and the then State Bank of Pakistan governor, DrIshratHussain, to Corporate and Industrial Restructuring Corporation as the member, banking. He developed functional layout of the corporation and successfully handled its operations.

He has also rendered services in the fields of remedial banking and rehabilitation of sick industrial units.

Naeemuddin started his Banking career from Grindlays Bank in 1978 and worked as a Branch Manager of Grindlays Bank in Islamabad, Rawalpindi and Lahore.

In 1991, he joined Emirates International Bank as a Chief Manager, Lahore. In 1998, he joined the United bank Limited as SEVP/Head Special Assets Management Division.

He graduated from the Forman Christian College and completed his education from the PACE University, New York, USA. In 2004, he was awarded Muzaffar Memorial Gold Medal by the SBP governor in recognition of meritorious services to the Banking Industry in Pakistan.

Punjab Government Shows Faith in Bank of Punjab. Punjab Government wishes to state that being the major stake holder in the Bank of Punjab it has full faith in the new management and operations of the Bank. The government further pledges its unequivocal support to the Bank and firmly believes that the affairs of the Bank are sound and its financial health robust. Finance Department Government of the Punjab.

Core Values

Our Customer As our first priority. Profitability For the prosperity of our stakeholders that allows us to constantly invest, improve and succeed.

Corporate Social ResponsibilityTo Enrich the Lives of community where we operate. Recognition and Reward For the talented and high performing employees. Excellence In every thing we do. Integrity In all our dealings. Respect For our customers and each other.

Awards & Achievements Excellence Award by the Central Board of Revenue The Central Board of Revenue presented "Excellence Award" to the Bank of Punjab in recognition of the contribution made by the bank towards Government exchequer. 3rd Kissan Time Awards In recognition of Bank's contribution in development and growth of agricultural sector, the Bank honoured with "Top Bank for Agriculture Loans" and "Best Bank Crop Insurance" under 3rd Kissan Time Awards year 2006. Best Corporate Report Award Annual Report of the Bank for the year 2005 won 5th position for "The Best Corporate Report Award" for the Financial sector, adjudicated jointly by the Institute of Chartered Accountants of Pakistan and the Institute of Cost and Management Accountants of Pakistan.

16th Bolan Excellence Award The Bank was awarded Best Bank Award under 15th Bolan Excellence Awards distributed in 2006. Achievement Award The Lahore Chamber of Commerce & Industry (LCCI) awarded the Bank "LCCI Achievement Award" 2006.

Board of Directors

Name Designation

Mr. Abdul GhafoorMirza Chairman

Mr. Farooq Ahmed Awan Director

Mr. Junaid Ashraf Khawaja Director

Mr. Muhammad NaveedMasud Director

Mr. RizwanUllah Khan Director

Mr. ShafqatMahmood Director

Mr. Tariq Bajwa Director

Mr. Tariq Mahmood Pasha Director

Mr. Naeemuddin Khan President Mr. RazaSaeed Secretary to the Board

BOP Management Sr. No Designation Name

President Secretrait 1 2 President Mr. Naeemuddin Khan Deputy CEO Mr. Khalid SiddiqTirmizey

Audit & Risk Asset Review 1 Group Head Audit & Risk Asset Review Mr.

IjazurRehmanQureshi 2 Head Operational Audit Mr. Abdul Rehman

Commercial & Consumer Banking 1 2 Group Head Commercial Banking Mr. Liaquat Ali Head Consumer Banking Division Mr. Muhammad Akbar

Credit Administration 1 2 Head Credit Administration Division Mian Muhammad Sharif Deputy Head Credit Administration Division Mr.

ShahnawazSaeed Khan Compliance & Internal Control 1 2 Head Compliance & Internal Control Mr. Hafeezud Din Mr. Irfanuddin

Corporate & Investment Banking

Head Corporate & Investment Banking Mr. Khalid Qaiyum

Group-I 2

Head Corporate & Investment Banking

Group-II Mr. Asim Jahangir Seth Agriculture Credit 1 Group Head Agriculture Credit Mr. S.M. Atif

Finance 1 2 Chief Financial Officer Mr. Nadeem Amir

Deputy Head Finance Mr. Muhammad IqbalShahzad

Human Resource 1 2 3 Group Head Human Resources Mr. MoghisBokhari

Deputy Head Human Resources Mr. NaveedHafeezShaikh Head / Principal Officer's Training Institute Syed Zaki

Ahmad 4 Legal 1 Head Legal Syed MudassarHussainNaqvi Head Security / Transport Lt. Col. (Retd.) Sajid Ali Khan

Retail Banking 1 2 Group Head Retail Banking Mr. ShahidWaqarMahmood Head Media & Advertising

& R.C Lahore South 3 4

Mr. Ahmed RaziGhazali

Regional General Manager North Mr. AmerMumtaz Regional General Manager Center Mr. Amir Hassan

Risk Management 1 Chief Risk Officer Mr. Abdul Razzaq

Operations, I.T & General Services 1 2 3 4 Group Head Operations, I.T & GSD Head Information Technology Mr. Faqir Syed Azm Ali

Mr. AzharHussainDilawari

Head Administration Mr. Muhammad Nauman Head General Services Col. (R) Tenwirul Hassan

Special Projects 1 Group Head Special Projects Mr. SajjadHussain

Special Assets Management 1 Malik 2 3 Head Special Asset Management Mr. Mahboobul Hassan Mr. Khalid Munir Head Special Asset Management-Commercial Mr. Aamir

Deputy Head Special Asset Management

Transaction Banking 1 Group Head Transaction Banking Group & Equity Capital Market*

Mr. Mustafa Hamdani

Treasury 1 Head Treasury Mr. KhawarShahid Ansari

Products Deposits Products

Current Accounts The Accounts shall be opened upon submission of duly filled-in Banks prescribed Account Opening Form on submitting all such documents as may be revised by the Bank. The Bank reserves the right to demand such relevant documents even after opening of account as deemed necessary.

The Accounts shall be opened with an initial/minimum deposit as stipulated by the Bank from time to time unless specifically exempted.

The Accounts may be opened singly in one name or jointly in two or more names.

A distinctive number shall be allotted to every account and this number should be quoted in all correspondence relating to the account and at the time of making a deposit or withdrawal. The Bank reserves the right to change the Account Number or any part of it in order to

meet its book keeping/administration requirement. However, intimation of change in the account number shall be sent to the account holder.

Account for the recipient of Zakat or recipient of grants from Baitul-Mall, maybe opened with an initial deposit of Rs.100/-

Deposit may be accepted from minors provided the account is opened and operated through a guardian. The Account thus opened will continue to be operated upon by the guardian even if the minor attains the age of majority. The necessary consent to this effect will be obtained at the time of opening of the account. The orders of the court will, however, be followed in case the guardian is appointed by the court.

All monies/instruments to be deposited in an account should be accompanied by a pay-in-slip showing the title and number of the account. The entry of transaction shall be authenticated by putting Banks stamp under the joint signatures of two officers of the Bank on the pay-in-slip and counterfoil thereof. However in case of branches where teller system has been introduced, teller only shell authenticate the transactions up to the prescribed limits.

Withdrawals are not allowed against postdated (payable on any future date) and stale (06 months after issuance date) Cheques and against un-cleared funds.

Where any account is not conducted to the satisfaction of the Bank, the account may be closed without any notice and the balance will be remitted to the depositor at the address given by the Account Holder(s).

The Bank has the right to refuse to open an Account without assigning any reason. For New Customer

All CD accounts which are not operated upon by the account holders for a period of one year, will be classified as dormant. After passing one year in the dormant status, that is, no operation in the account for a continuous period of two years, the account shall be classified as inoperative. This entails certain restrictions on the operation of such accounts, for reactivation, the account holder must in person request for a change of status and will produce original CNIC or Passport or Pakistan Origin Card (POC) or National Identity Card for Overseas Pakistani (NICOP) with photo copy for Branch / Bank attestation. After passing further 8 years in inoperative status,i.e., if a CD account is not operated upon by a customer for a continues period of ten years, it will be classified as unclaimed deposit account and will be surrendered to SBP as per the provisions (section 31) of Banking Companies Ordinance 1962 For Existing Account Holders

The period of conversion of a normal CD account to dormant has been enhanced from 06 months to one year, since last opertaion in the account, with effect from January 2008.

The branches shall ensure completion of all the formalities required by State Bank of Pakistan vide Prudential Regulation No.M-1with regard to KNOW YOUR CUSTOMER.