ZARAI TARAQIATI BANK LTD
TRAINING & DEVELOPMENT
DEPARTMENT
Headed by: Ghulam Rasool
SVP
SENIOR VICE PRESIDENT
GHULAM RASOOL
STAFF COLLEGE UNIT
MUHAMMAD YOUSAF
(VP)
Course Coord. & General
Admn. Section
Accounts & Library
Section
House Keeping &
Hardware Maintenance
Section
TRAINING ADMN. &
COORDINATION UNIT
RASHID AKHTAR (AVP)
SKILL TRAINING &
DEVELOPMENT UNIT
SHAHZAD IQBAL
(AVP)
Internal Nomination &
Database Section
Training Need Assessment
External Nomination &
Examination Section
Employees Education &
Internship Section
Administration & Coord.
Section
Evaluation & Feedback
Section
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.
2.
3.
4.
5.
6.
Identify, develop and impart best possible training &
development innovative solutions.
Assess training & development needs of all employees
in the Organization.
Ensure that the Bank possess trainers who are
adequately trained to design, deliver in accordance
with the training & development programs.
Establish an environment for trainees conducive to
learning.
Liaise with all major training agencies, trainers &
vendors to the Bank’s advantage.
Overall responsibility of implementation of HR policies
and programs in areas of training, development and
career planning.
Cont’d..
Continue
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.
10.
11.
Plan, arrange and conduct induction courses for new inductees, at all levels.
Arrange internships for students of HEC recognized Universities, in the field
and at Head Office.
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
institutes.
4. Field Workshops
5. Foreign Trainings
at
other
Different Approaches of Trainings
1. Overview of subject presented by
the Speaker/ Resource Person
2. Group discussions
3. Multimedia Presentations
4. Practical Trainings
5. 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
1.
2.
3.
4.
5.
6.
Following is observed while selecting participants to be nominated for trainings at
Staff college.
The course participants would either fall in TNA Based/ Core Competencies/
Specialized Trainings.
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.
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.
All the participants of courses above are chosen on predefined criteria while
keeping their designation, job description, place of posting, training history intact.
The participant is not selected for the similar training in the same year.
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. Course Title
NO.
Category of
Officers
AT STAFF COLLEGE, ISLAMABAD
1 ZTBL Banking Operations and Newly Recruited OG-III
OG-III
2 SBP Prudential Regulations and Branch Operations Management for
Managers
Managers(AVP)
3 Awareness on Agriculture Technology Field Operations, and Credit Risk
Management for MCO's
AVP to OG-II
4 Training Courses for Deputy / Assistant Managers
5 ZTBL Operations Training for Middle Management
6 HO Employees, IT and General Competencies, Workshops
7 Female Functionaries, IT Skills
8 Credit Administration/ Recovery Policies System in ZTBL
9 Audit and Compliance
10 Training Courses for Clerical Staff
11 Multifarious Workshops for HO Executives/ Officers
12 KSSL Employees
10
1 Weeks
240
9
3-days
216
14
1 Week
336
AVP,OGI-OG-III
AVP, OG-I
14
8
1 Week
1 Week
336
192
AVP, OG-I-OG-III
AVP to OG-III
CAD Personnel
Audit Personnel
Clerical Staff
Executives/
Officers HO
KSSL Staff
TOTAL
4
2
6
5
9
1-2 Days
1 Week
1 week
3-Days
3-Days
96
48
144
120
216
6
1-Day
210
6
93
1 Week
144
2298
10
1-Day
400
1-2 Days
300
WORKSHOPS IN THE FIELD
Workshops in Zones on DR&BCP AND Revenue Records at various Zones All Categories of
13
in the field
Officers
TRAINING AT OTHER INSTITUTES
All Categories of
14 Inland Nominations Keeping in view the current job Description and TNA
Officers
15 Training of Board Members
Sub Total
Grand Total
Courses Duration Trainees
2
302
3000
Current Year Training Achievements
COURSE-WISE ACHIEVEMENTS upto 31st August 2013
Sr. No. COURSE TITLE
A
i
TNA BASED TRAININGS
Training Courses on Analysis of Financial Statements with Soft Skills
Branch Accounting, Preparation of Balance Sheet, Reconciliation of Sundry/Suspence
ii
Accounts with Soft Skills
iii Recovery Policy, Recovery Procedures and Techniques Specially Handling Sam Loans
iv Training Course for MCO's on Analysis of Revenue Record Matters with IT-Applications
v Training Course for MCO's on Agriculture Loaning Schemes & Types of Securities
vi Manager Course on Branch Management and Credit Administration with E-Mail Applications
vii Manager Course on SBP PR's & Branch Operations Management with E-Mail Applications
B IT/ERP-TRAININGS
1. IT/ERP Trainings (HO Officers)
i
IT Training for F&A Division Officers
ii
ERP Training Courses/Sessions for HO Officers/Staff
2. ERP Trainings (Field Officers)
i
ERP-EBS, cLDMS/cDMS and E-Mail Applications for Managers
ERP-EBS, cLDMS/cDMS and E-Mail Applications for Dy. Managers/Asstt. Managers
ii
(Operations)
iii ERP-HRMS, cLDMS/cDMS and E-Mail Applications for Zonal Office/Branch Offices
C AUDIT COURSE
i
Refresher Course for Audit Officers
ii
Refresher Course for Audit Executives
D CAD TRAININGS
Training Course on Credit Administration System in ZTBL
E TRAINING OF NEWLY PROMOTED OFFICERS
2-Weeks Training Course for Newly Promoted Officers
F TELLERS TRAININGS
Training Courses for Tellers
G CLERICAL STAFF TRAININGS
I
Training Courses of Clerical Staff with Soft Skills
Ii Training Courses for Typists with IT-Applications
SUB TOTAL:H
Inland Trainings at Other Institutes
GRAND TOTAL:-
NO. OF
COURSES
NO. OF
PARTICIPANTS
2
36
2
39
2
8
2
1
2
43
177
47
17
45
1
9
5
187
5
104
7
146
4
91
2
1
54
9
1
27
2
45
13
289
3
3
70
65
64
1490
170
1660
70
Internship Program Status
Sr. Internship Program Achievements
No.
Plan
2013
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 EMail 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 EMail, 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.
MS-Excel (Basic & Intermediate Level).
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.
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.
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.
Electronic Mail: How to Create e-mail addresses. Using E-Mail Composing E-Mail, Basic E-Mail Functions
and How to Check.
TRAINING COURSE ON ERP-EBS, cLDMS/cDMS WITH E-MAIL APPLICATIONS
FOR DEPUTY MANAGERS/ASSISTANT MANAGERS (OPERATIONS)
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
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.
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.
Statement of Affairs / General Ledger and its importance.
Inter – Branch Reconciliation & Settlement of Sundry/Suspense Accounts under
PR-03.
Creation of Central Account Entries, Originating/Responding of Advices,
Maintenance of record.
MS-Excel (Basic & Intermediate Level).
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.
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.
Statement of Affairs / General Ledger and its importance.
Statement of Affairs / General Ledger and its importance.
MS-Excel (Basic & Intermediate Level).
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.
MS-Excel (Basic & Intermediate Level).
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
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•
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•
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•
•
•
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.
MS-Excel (Basic & Intermediate Level).
Introduction to Internet: 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
3-DAYS TRAINING COURSE ON ERP-EBS, CLDMS/CDMS AND E-MAIL
APPLICATIONS FOR MANAGERS FOR MANAGERS
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•
•
•
•
•
•
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
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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
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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 EMail Functions and How to Check.
2-DaysTraining Course on Credit Administration System in ZTBL
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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
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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.
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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
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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
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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
Mr. Wasimullah, Director, Implementation & strengthening of Effective Internal
1. 1 Staff College, National Controls, State Bank of (SBP) guidelines.
. Bank of (NBP)
Internal Credit Risk Management System (ICRMS).
0321-5334533 9206827
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- Area of Specializations: Agronomy
Director General, NARC.
Tell No.0300-8506390
 Rice Wheat Production System
 Precision Crop Management
 Constraint in Production
 Resource Conservation Technologies.
4. Mr.
Atique-Ur-Rehman State Bank of (SBP). Prudential Regulations of Branch
Butt,
Banking Operations.
Assistant Vice President, Know Your Customer (KYC), CDD, Anti-Money Laundering
NBP, G-6/3
(AML). Guidelines of State Bank of
5. Mr. Muhammad Azam, Ex- Revenue Record Matters
AD (Guest Speakers)
Sr.
No
Name/Designation Address
Subject/Specialization
6.
Mrs. Hina Maqsood, Programme Officer Maximizing Leadership Potential by Exploring your
Training, HR Development Network
Managerial Skills.
Cell # 0333-5334818
Effective Customer Services Relationship Management in a
current Services Based Banking Environment.
Effective Written Communication Skills.
7.
Mr. Mudayyar Hussain Naqvi,
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Assistant Vice President/
Member Directing Staff (MDS), NBP, G6/3,
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8.
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).
Mr. Arif Azam, Ex- Chief Manager State Managing Cash by Tellers:- 1) Opening of Cash. 2) Handling
Bank of (SBP)
of Cash. 3) Categories of Currency Notes. 4) Sorting of
0333-5757672
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)
1.
2.
3.
Recovery Policy / Procedures, Challenges ahead and
Mr. Khalid Mehmood Gill, EVP
way-out.
(Recovery & SAM Division)
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.
Oracle HRMS and Payroll – Super Users of F&A and Five
Mr. Naseer Pervaz Qureshi, EVP, Branches.
Information System Division 9252755 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.
Mr. Muhammad Khalid Zia, AEVP, 1.
Credit Division
2.
3.
Lending Operations / Processes in the Bank.
How to Avoid Common Discrepancies / Irregularities in
Branch Banking Operations with Special Reference to
SBP Inspection Reports Related to Credit Operations.
Crops Loan Insurance Scheme of ZTBL and their
payments.
4.
5.
6.
7
8
Rana M. Zafar Iqbal Khan, Documentations required for initiating Court Cases, Legal
SVP, Services Law Matters Requirements/formalities.
Department,
Mr. Sabah Mufti, SVP Credit 1. Lending Operations / Processes in the Bank.
Policy Department 9252712
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.
Mr.
Muhammad
Hameed 1. Recovery Policy / Procedures, Challenges ahead and wayShahid,
AVP,
Recovery
out.
Department.
2. Recovery of Bank’s Dues through Litigation.
0333-5107903
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.
Mr. Khalid Mehmood Aslam, AVP 1.
2.
(HROD)
3.
1.
Mr. Muhammad Inayat, AVP Zonal
Office,
2.
0333-5169742
3.
4.
5.
Duties and Responsibilities of Senior Assistant/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.
Main Books of Accounts, Day Book, General Ledger, Cash Scroll etc. and Subsidiary
Books of Accounts, Sundry Suspense Ledger, Income Exp. Ledgers etc.
Statement of Affairs.
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.
Maintenance of Staff Advances Register, Deposit Ledger, Loan Ledgers,
Income/Expenses, Assets / Liability Ledger, Dead Stock Articles Registers, etc.
9
10
Mr. Rafiq Ahmed, AVP (P&RD)
Word Processing on MS Word. MS-Excel (Basic & Intermediate Level). Internet & Electronic Mail,
E-Mail
Khawaja
Shafique
Ahmed, 1.
AVP/Manager, H.O. Branch, . 03332.
5250782
3.
4.
5.
6.
7.
8.
9.
10.
11.
Dealing with all Kinds of Customers:- 1) Elite Customers. 2) Difficult Customers. 3)
Customers with Special Needs.
Cash Handling:- Cash Scroll Register, Night Safe Register, Key Transfer Register
Signature Verification, Detecting Counterfeit, Preventing Frauds.
Guidelines for opening of Bank Accounts under SBP Rules.
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.
Cross Selling Opportunities Provided by Daily Transactions:- 1) Knowledge about
your Bank’s products & Services.
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.
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.
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.
Montoring of Books of Accounts through (DIMIS).
11.
Mr. Tariq Mehmood, OG-I HROD
12.
Mr. Muhammad Adnan Hashmi, OG-I (IT- General IT Controls Checklist
Audit) 9253173 & 2002110
13.
Khawaja Mohammad Ali, Senior IS Officer IT Risk Based Audit Techniques
IT-SD 0333-2104291
14.
Mr. Javaid Iqbal Niazi, Manager IT-QAD Fixed Assets, Accounts Payable, Fixed Assets – Super Users of Services,
2002385 0321-5305363
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.
Mr. Nahidullah Khan, Architect Manager 1)
Oracle HRMS: - 2) Employees Profiles Management.
(IT-SDD) 0333-2127883 200274
3) Employees Self – Service HR/Leave Management.
4Training Session on ERP-Self Service Module.
15.
Word Processing on MS Word. MS-Excel (Basic & Intermediate Level). Internet &
Electronic Mail, E-Mail
15. Mr.
Zulfiqar
Haider,
Team 1) Accounts Receivable 2) Budget Planning & Analysis.
Leader/Sr.
Programmer
IT- 2) ) Recruitment & Selection. 2) Transfers & Postings.
SDD)0300-6698541 2002274
Career Development & Training. Functional & Analytical
Reports and cLDMS/cDMS
16. Mr. Qaiser Hassan Awan, Team General Ledger, Sub-Ledger Accounting. Cash Management.
Leader / Sr. Programmer ITSDD0333-5122898 2002102
17. Mr. Aamir Hussain Butt, Operating Internet & Electronic Mail: How to Create e-mail addresses. Using
System
Admn.
(IT-Operation E-Mail Composing E-Mail, Basic E-Mail Functions and How to
Deptt.) 0333-5209902
Check.
18. Mr. Usman Muzaffar, Sr. DBA IT- Users Profiles Management.
Ops.0321-7661234 2002387
19. Mr. Samiullah Sohail, Sys. Dev.
Learning Management AND Career Development & Training.
IT-SDD. 0321-6434244
Functional & Analytical Reports.
ERP-EBS, Self Service and Learning Management.
20. Mr. Abdul Saeed, IT –Support Career Development & Training. Functional & Analytical Reports
Officer, IT-Operations Department and cLDMS/ cDMS
0333-5104260 2002123
21. Mr. Asif Jillani, System Develper, Accounts Payable
IT-SDD, 03005330924
22. Mr. Farooq Azam, QA A, IT-SDD Cash Management
0321-539339120022407
23. Mr. Fareed Shafqat, OG-I, IT-SDD 1) Oracle HRMS: - 2) Employees Profiles Management.
0300-5264468
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
General Ledger, Sub-Ledger Accounting.
0300-5306449 20022407
25. Mr.Abdul Hameed, DBA IT-Ops
Users Profiles Management.
0333-5587318 & 2002387
Contents Reflective
Certificate of Training
MR.SHAHMIR AWAN, PP.NO. 15825, AVP/MANAGER, ZTBL, GOLARCHI BRANCH, HYDERABAD ZONE
Has attended
ERP-EBS, cLDMS/cDMS and E-Mail Applications for Managers
W.E.F 8-07-2013 to 10-08-2013
CONDUCTED AT
ZTBL, STAFF COLLEGE, ISLAMABAD
FROM:July 8,2013 TO July 10, 2013
Muhammad Yousaf
Ghulam Rasool
3-DAYS TRAINING COURSE ON ANALYSIS OF FINANCIAL STATEMENTS WITH
SOFT SKILLS
W.E.F 8-07-2013 to 10-07-2013
•
•
•
•
•
•
•
•
•
•
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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.
Statement of Affairs / General Ledger and its importance.
Creation of Central Account Entries, Originating/Responding of Advices, Maintenance of record.
Inter – Branch Reconciliation & Settlement of Sundry/Suspense Accounts under PR-03.
MS-Excel (Basic & Intermediate Level).
Hand on Practice (MS-Excel).
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.
(Course Coordinator)