Bank AL Habib Ltd AL Habibian

December 2013 Vol. 2-XIII

MD&CE visits call center & Consumer

Division 2

BAHL sponsors golf tournament 3

Trainings in November 4

BAHL announces new IT Security Policy

5

Main branch township achieves

profitability in 7 months 6

BDF trainings in North and Central

Zone 6

Home Remittance and MoneyGram

Training Sessions 7

KYC and AML/CMT measures 8

New hirings in November 8

Inside this issue:

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

AL Habibian

Attendees

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 ceremo-

ny 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 ac-

colade of passing the Chartered Banking UK Certification. Values worth Living For

The quality of being honest

and having strong principles

Bank AL Habib Ltd AL Habibian

MD & CE visits BAHL Call Center & Consumer Division

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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 per-sonnel, Mr.Ali Habib, Mr.Mansoor A. Khan and Mr.M Najeeb Agrawalla visited the premises and were en-

couraged 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 as-suming an indispensable role in creating a positive perception of the bank.

Bank AL Habib Ltd AL Habibian

BAHL Sponsors Amateur Golf Championship in KPK

Recently, the Khyber Pakhtunkhwa Golf Association organized an Amateur Golf Championship from No-

vember 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 Com-

mand, 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.

3

The Lighter Side of Banking

Bank AL Habib Ltd AL Habibian

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 writ-ers and the printing industry. Books printed today are small in number which reflects the in-terest 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 pirat-ed 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.

Developing our Resources: Trainings in November

We are losing a friend called book….

4

Written by Mr. Baqar Abbas Rizvi., BM-Gulshan e Jamal branch. This

article appeared in Dawn Newspaper in March 2011

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

Bank AL Habib Ltd AL Habibian

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 Divi-sion. 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

BAHL announces new IT Security Policy

5

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

Words of Wisdom

Contributed by the Division

of Mr. Hussein Hassanali,

Chief Information Security

Officer

Bank AL Habib Ltd AL Habibian

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 men-

tion 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.

6

Central Region North Region

Ali Ibrahim Syed mohsin Raza

Muhammad Ali Muhammad Ismail Jehangir

Hassan Anwar Zahid Afzal Choudhry

Rao Abdul Mueed Ahtesham Ahmed

Faheem Ali Khan Umer Farooq

Syed Naseer Abbas Naeem Salah Shah

Moin ud Din Asif Sheraz Hasnain

Hammad Naeem Junaid Riaz

Mudassar Hussain Babar Aftab

Saqib Riaz Syed Hassan Raza

Kamran Baig Tahir Shahzad

Nasir Abbas

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 Prod-

ucts & 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. Muham-

mad 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& Rawal-

pindi 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.

BDF Launch Trainings in Central North Zones

Bank AL Habib Ltd AL Habibian

7

Secrets for Giving the ‘Perfect’ Presentation

Know what you are talking about.

Practise and rehearse in front of mirror and friends.

Know your opening by heart.

Make eye contact.

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

Never speak with your back to the audience.

Never speak with your hands in the pocket.

Don’t sway, rock or pace excessively.

Don’t use verbal fillers such as “Um”, “Like”, “you guys” etc.

A comprehensive training session on effective

management of Home Remittance and

MoneyGram for the line management of North-

ern Zone branches was conducted in Novem-

ber. After the training, awards were handed out

to the best performers in MoneyGram disburse-

ments:

Mr. Adeel Rustam-Chakwal Branch

Mr. Muhammad Rizwan—Lala Musa Branch

Mr. Khawar Shafique—I8 Markaz Branch

Home Remittance and MoneyGram Training Sessions Conducted in Northern Zone

Training participants at Peshawar zonal office

Training participants at Rawalpindi TMDD

Distribution of

MoneyGram performance

certificate

Bank AL Habib Ltd AL Habibian

Infusion of new skills: Hirings (November 2013)

KYC and AML/CFT Measures – Helping businesses grow 8

It is a general perception in the Banking Industry that any regulation which direct-ly 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 regula-tions became a gigantic task. However, the monitoring of a customer’s transac-tion should be considered as a blessing in disguise for the Banks to review their customer offerings and to make appropriate modifications for competitive differ-entiation. 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.

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)

Contributed by Rahim Rajab Ali, Head AML/CFT Unit

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 per-

mission 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

Bank AL Habib Ltd AL Habibian

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 inter-esting articles from newspapers and magazines will only be accepted if original source is named. Contributions & Photographs should reach us at alhabibian@bankalhabib.com 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 pub-lish 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.

9

Did you know? -Amazing Facts About Pakistan

World’s largest irriga-

tion network

World’s highest paved

highway (Karakoram)

World’s 2nd highest

mountain (K2)

World’s largest deep sea

port (Gwadar)