Bank AL Habib Ltd
AL Habibian
December 2013 Vol. 2-XIII
AL Habibian
Inside this issue:
MD&CE visits call center & Consumer Division
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BAHL sponsors golf tournament
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Trainings in November
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BAHL announces new IT Security Policy
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Main branch township achieves profitability in 7 months
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BDF trainings in North and Central Zone
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Home Remittance and MoneyGram 7 Training Sessions KYC and AML/CMT measures
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New hirings in November
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Values worth Living For
The quality of being honest and having strong principles
Editor’s Note Alhamdulillah! We are overwhelmed with the positive response received on the first issue of the AL Habibian. Not only that, the quantum of submissions received speaks volumes about the interest generated by the newsletter amongst the AL Habibians. Thank you again for your support. The Editorial Team
Leading on the Road to Success– Event to honour IBP Performers The event to recognize the star performers began on a high note on December 5, 2013, when the Deputy Governor, State Bank of Pakistan, Mr. Ashraf Mehmood Wathra himself came to acknowledge the performance and awarded certificates to candidates who have successfully completed the JAIBP Certification in the presence of top managements of different banks at the IBP (Institute of Bankers Pakistan) Building. Karachi. The honorable MD & CE of Bank AL Habib Mr. Abbas D. Habib along with key management personnel were also present in the ceremony to appreciate the achievements of successful candidates. From Bank AL Habib, Mr. Mohammad Abbas Bhojani from the ADC-Call Center Division cleared the JAIBP certification, while Ali Raza Abidi, Head of Consumer won the coveted accolade of passing the Chartered Banking UK Certification. Attendees
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MD & CE visits BAHL Call Center & Consumer Division November 5th was a memorable day for the BAHL Call Center and Consumer Division as our MD & CE Mr. Abbas D. Habib along with key management personnel, Mr.Ali Habib, Mr.Mansoor A. Khan and Mr.M Najeeb Agrawalla visited the premises and were encouraged to see young and motivated Team working with great enthusiasm towards dispensing superlative Customer Services.
The MD & CE committed regular visits going forward. He also gave a very clear message that the call centre team were the real heroes of the Bank and our success stories are dependent on them. They are working at the front office and considered as the face of a Bank for Customers, thus assuming an indispensable role in creating a positive perception of the bank.
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BAHL Sponsors Amateur Golf Championship in KPK Recently, the Khyber Pakhtunkhwa Golf Association organized an Amateur Golf Championship from November 1-3, 2013. Our bank was one of the main co-sponsors. Prize Distribution Ceremony was held on November 3rd 2013 in which Air Vice Marshal Muhammad Arshad Malik, Commander Northern Air Command, was the Chief Guest. On this occasion, a shield was presented to Mr. Abbas D. Habib, which was received by Mr. Sohail Akhtar AGM, Area Manager KPK, on behalf of the MD & CE from the Chief Guest.
The Lighter Side of Banking
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Developing our Resources: Trainings in November Title
Location
Duration
Workshop on Risk Based Approach
Pan Pakistan
3 Hour session
Fresh Cashiers Course
Training Center, Karachi
1 week
Refresher Course on Foreign Trade
Training Center, Lahore
2 weeks
Introduction to Banking Course Batch XLVI
Training Center, Karachi
4 weeks
Introduction to Banking course Batch XLVI conducted in Karachi
We are losing a friend called book…. THE growth of the electronic media, especially the Internet, has led to the loss of book reading habits. The web may not entirely be the culprit and can be partially acquitted, as it is up to individual discretion. We used to call books a true friend; today we have lost this friendship. This has affected writers and the printing industry. Books printed today are small in number which reflects the interest of readers in particular. Since printing houses have to cover the cost of the book, it makes it almost impossible for middle class people to buy books on a regular basis. There are pirated copies available but the printing and outlook of the book is so bad that you cannot keep it for long. An expiry date of one year is suggested to be mentioned on the pirated book. We need to revive the culture of reading where people would not sleep unless they have read something. The scarcity of local book sellers and the high cost
of foreign publishing houses operating in Pakistan should be taken up by policymakers. Written by Mr. Baqar Abbas Rizvi., BM-Gulshan e Jamal branch. This article appeared in Dawn Newspaper in March 2011
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BAHL announces new IT Security Policy The new BAHL IT Security Policy approved by the Bank’s Board of Directors, is now available on the Systems & Procedures site under the folder of IT Division. The Policy defines the Bank’s stance on information security, and sets the rules for expected behavior by users. It covers twelve (12) defined areas, and outlines high level guidelines to implement IT Security principles and technologies to minimize risk, and protect its people and information assets. The Policy is being made available for staff members to acquaint themselves with the policy framework which enables the preservation of Confidentiality, Integrity and Availability of the Bank’s information assets. In order to provide support to BAHL staff with advice and guidance on using and maintaining BAHL information assets in a secure manner, and ensuring compliance with the IT Security Policy, the Information Security Helpline has been set up to encourage employees to seek advice.
Information Security Hotline +92 21 324 39 844 - 51 Ext. 833
Contributed by the Division of Mr. Hussein Hassanali, Chief Information Security Officer
Words of Wisdom A Person who never made a mistake never tried anything new—Albert Einstein Successful people are always looking for opportunities to help others. Unsuccessful people are always asking, 'What's in it for me? -- Brian Tracy
Our greatest glory is not in never falling but in rising every time we fall—Confucius
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Main Branch Township Sub Branch achieves profitability in 7 months! By the Grace of Almighty Allah, the Main Bazar Township sub branch Lahore has achieved profitability in the month of October 2013. It is imperative to mention that this branch started its operations in March 2013 and within a span of just seven months, it has attained the coveted milestone. On this auspicious occasion. GM & ZH (CZ) awarded a special prize to Mr. Ghulam Murtaza (RBM), Main Bazar, Township Sub Branch, Lahore in a prestigious ceremony held at Peco Road Area Office, Lahore.
BDF Launch Trainings in Central North Zones Training sessions for launch of Business Development Force (BDF) in Central and North Zones were held on 26-27 October, 2013 and 28-29 October, 2013 at Training Centre, Lahore and Training Center Chaklala, Rawalpindi respectively. Mr. Muhammad Umer Ansari – Chief Manager Insurance Products & Network Services gave the trainees an overview of the BDF concept. Training sessions were conducted by Mr. Anwer Saeed Hashmi – Head Training (Central Zone) and Mr. Ali Raza Abidi – Head Consumer Banking Division at Lahore training center and by Mr. Ali Raza Abidi & Mr. Muhammad Umer Ansari at training center Chaklala on Product Refresher and Soft Skills. Three exciting teams from Mall Road, Circular Road and Faisalabad City Areas from Central Zone and three from Islamabad, Rawalpindi City and Chaklala Areas took part in the Training forum.
The Central teams consisting of 12 Business Development Bankers (BDBs) were introduced to the senior management and executives including Mr. Mansoor Ali Khan - Group Head, Mr. Najeeb Agrawalla – GM Retail and Mr. Aun Ali – Zonal Head (Central Zone) and all Area Chiefs and Area managers of the Central Zone, where they were addressed by the senior management who also shared their expectations with the trainees.
The senior management comprising of Mr. Mansoor Ali Khan – Group Head, Mr. Najeeb Agrawalla – GM Retail, Mr. Syed Tauqir Haider Rizvi – Zonal Head (North Zone) and Mr. Wadood Wasti – Area Chief (Islamabad& Rawalpindi Area) and AMs from Islamabad & Rawalpindi also visited the training center Chaklala, Rawalpindi to meet the three teams consisting of 11 BDBs from North Zone.
Central Region
North Region
Ali Ibrahim
Syed mohsin Raza
Muhammad Ali
Rao Abdul Mueed
Muhammad Ismail Jehangir Zahid Afzal Choudhry Ahtesham Ahmed
Faheem Ali Khan Syed Naseer Abbas
Umer Farooq Naeem Salah Shah
Moin ud Din Asif Hammad Naeem Mudassar Hussain Saqib Riaz
Sheraz Hasnain Junaid Riaz Babar Aftab Syed Hassan Raza
Kamran Baig Nasir Abbas
Tahir Shahzad
Hassan Anwar
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Secrets for Giving the ‘Perfect’ Presentation Know what you are talking about.
Never speak with your back to the audience.
Practise and rehearse in front of mirror and friends.
Never speak with your hands in the pocket.
Know your opening by heart.
Don’t sway, rock or pace excessively.
Make eye contact.
Don’t use verbal fillers such as “Um”, “Like”, “you guys” etc.
Use your hands but don't go crazy. Control anxiety, don't fight it.
Finish within time. Employ useful and meaningful visual aids. Be clear, loud and assertive; give pause to give listeners time to
Home Remittance and MoneyGram Training Sessions Conducted in Northern Zone A comprehensive training session on effective management of Home Remittance and MoneyGram for the line management of Northern Zone branches was conducted in November. After the training, awards were handed out to the best performers in MoneyGram disbursements:
Mr. Adeel Rustam-Chakwal Branch
Mr. Muhammad Rizwan—Lala Musa Branch
Mr. Khawar Shafique—I8 Markaz Branch
Training participants at Peshawar zonal office
Distribution of MoneyGram performance certificate
Training participants at Rawalpindi TMDD
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KYC and AML/CFT Measures – Helping businesses grow It is a general perception in the Banking Industry that any regulation which directly or indirectly impacts the deposit size of a Bank, is considered a difficult task to comply with. But, once it is realized that the Regulatory requirements are for the benefit of the Bank, Customers and the Industry at large; then it is accepted wholeheartedly and the spirit behind the efforts understood. After implementation of revised AML/CFT Regulations of SBP in 2012, Customer Services became a big challenge for the Banks and implementation of the regulations became a gigantic task. However, the monitoring of a customer’s transaction should be considered as a blessing in disguise for the Banks to review their customer offerings and to make appropriate modifications for competitive differentiation. The other benefits include an improved reputation as a fair and law abiding place to do business and improved competitive conditions arising from the reduction of illegal and fraudulent behaviour.
Contributed by Rahim Rajab Ali, Head AML/CFT Unit
Infusion of new skills: Hirings (November 2013) Name
Designation
Division
Hasan Shahid
Chief Manager
ADC-PO
Ali Ahmed Qureshi
Senior Manager
SM-IT (PO)
Umme Tamemm Qazi
Senior Manager
SM-IT (PO)
Telephone Etiquettes to Ensure Superior Customer Service
Answer calls promptly (by the second or third ring). Introduce yourself completely and professionally. Be a good listener and speak clearly when required. Never interrupt abruptly. Smile during your conversation, Even though the caller/receiver can’t see it, they’ll hear the smile in the tone of voice. Never talk to a third person during the call; if necessary, take permission of the caller/receiver to hold, but not for too long. Avoid unnecessary jargon, acronyms and casual language in your conversation. Never eat / chew, drink while you are talking as this leaves a bad impression. If there is a problem, be concerned, empathetic and apologetic. Contributed by: Kashif Hyder, Manager –Legal Affairs Division
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AL Habibian Needs your Contributions! We encourage employees to provide items of interest for inclusion in the issues of “AL Habibian” Reproductions or excerpts from previously published quotes and interesting articles from newspapers and magazines will only be accepted if original source is named. Contributions & Photographs should reach us at
[email protected] by the 25th of the month on the listed email address for possible inclusion in the next issue through the respective Zonal or Divisional Heads. Please note that we reserve the right to edit the contributions and will publish news and items which in our opinion are current and of interest to all. While we have taken all possible care, we regret any error or omission in this issue.
Did you know? -Amazing Facts About Pakistan World’s 2nd highest mountain (K2)
World’s largest deep sea port (Gwadar)
World’s largest irrigation network
World’s highest paved highway (Karakoram)
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