Detailed Outline

Certified Management Professional in

Banking Operations
Evolution of Banking Services
Session01:HistoryofBanking
TheOrigins&MeaningsofthewordBank EarlyBankers TheAncientEgyptians AncientChinese TheBabylonians TheAncientRomans BankingthroughTheMiddleAges BirthofModernBankingTimeofBankingFamilies AgeofBanking&BankersBirthofCentralBanksinEurope ChangesinBanking&ModernTimes FutureTrendsinBanking

Session02:DevelopmentofBankingServicesinPakistan
EarlyYearsBankingServicesavailableatthetimeofIndependence 1947 InitialDevelopmentofBankingCompanies 194755 GreenRevolution&itsimpactofFinancialServiceProviders 195571 LossOfBank/IndustryOwnersuponSeparationofEastPakistan 1971 NationalizationofBankingSector 19734 EraofPublicSectorBanking 19741991 IntroductionofConsumerCreditbyForeign&Localbanks 198990 LiberalizationofBankingSectorReemergenceofPrivateCommercialBanks 1990onwards PrivatizationofPublicOwnedBanks 1992onwards FreezingofForeignCurrencyAccountsFollowingNuclearTesting May1998 CollapseofNDFC&MehranBankScandal 20002 Impactof9/11/2001FocusonAML/KYC&ForeignCurrencyRegulation 2001present RiseOfIslamicBanking 2002present WarOnTerrorImpactonPakEconomyingeneral&BankingSectorinparticular 2002present GlobalFinancialMeltdown&PakBanking(Exportdecline/ConsumerCreditCollapse2007present BlurringofBusinessSegmentationintimeofCrossSelling 2006present FutureTrendsCRM,BASELIIImplementation,NewTechnologies 2010beyond

Session03:TypesofBankingServiceProviders
StateBankOfPakistanTheCentralBank NationalBankOfPakistanAgenttotheStateBank LocalCommercialBankFormerlyKnownasScheduledBanks ForeignBanksOperatinginPakistan SMEB,ZTBL,DNS&IDBPTheSpecializedBanks InvestmentBanksAdyingBreed IslamicBanksShariahCompliant&RibaFree? MicroFinanceBanksArecentphenomenon NBFIsLeasingCompanies&Modarabas OthersThePostalSavingsBank,CooperativeBanks&ForeignCurrencyExchangeCompanies

Banking Laws & Regulations

Session04:VariousLawsRegulatingBankingSector
ContractAct SBPAct1956 NegotiableInstrumentsAct BankingCompaniesOrdinance1962 NationalAccountabilityBureau(NAB)Ordinance1999 FinancialInstitutions(RecoveryofBankingFinances)Ord.2001 MicrofinanceInstitutionsOrdinance2001 PaymentSystems&ElectronicFundTransfersAct2007 AntiMoneyLaunderingAct,2010 SupremeCourtsDetailedJudgmentonRiba24thJune,2002 OfficeOftheBankingMohtasibvs.priorsystemofBankingCourts/Tribunals SBPSROs(StatutoryRegulatoryOrders) SBPsquarterlyguidelinesforriskmanagement F.E.Manual

Session05:SBPPrudentialRegulations
WhatareSBPPrudentialRegulations? PrudentialRegulationsbyCategory: MKYC&AntiMoneyLaunderingMeasures GCorporateGovernance RRiskManagement Operations PrudentialRegulationsbyTypeofBorrower: Consumer Commercial/Corporate Agriculture SMEs MicroFinanceBanks

General Banking Operations

Session06:AccountOpening
Howtoopenanaccount? AccountOpeningRequirements Individuals&SoleProprietorships Partnerships Corporations Clubs,Societies&Associations WhatareKYC&AMLProcedures? KYCForm AMLGuidelines DealingwithComplianceIssues NADRAVerisys

Session7:AccountOperation
HowtoObtain&MaintaintheChequeBooks? WhatareCharges&IssuesofDealingatBankCashCounters? CashHandling/ReceivingCharges CashWithdrawalCharges(WHT) CashWithdrawalLimits CashInsuranceIssues IssueswithyourBankStatementReconciliation OpeningofStaffAccountsIssues&BankPolicy ForeignCurrencyAccounts&theiropeningrequirementsandoperation OtherProblemsinAccountOperation&theiramicablesolution

Session08:Clearing&Collection
Whatisclearing? Inward&OutwardClearing ProcessFlows&IssuesRootofmostmoneylaunderingactivities UnderstandingNIFT CrossingItstypes&relatedissues EndorsementsTypes&relatedprocedures WhatisCollection?ProcessFlows&Issues.

Session09:Remittances
WhataretypesofRemittances? Local Foreign HowtoreceiveRemittances? HowtosendRemittances?

Whatarecorrespondents?Howtoworkwithabankhavingcorrespondents?

Credits / Advances
Session10:GeneralOverview&TypesofCredits
Origins&MeaningofthewordCredit HowtoapproachabankforCredit? WhattypesofCreditFacilitiesexist? FundedBasedCredits NonFundedorDocumentaryCredits WhichCreditFacilitysuitsyourorganizationsrequirements? WhatBasicPrinciplesforManagingCreditRiskareobservedbythebankers?

Session11:CreditApproval,Initiation&Management
WhatistheCreditApprovalProcess?Howlongdoesittake? Whatdocumentsarerequiredbythebanktoapproveyourloan? Whatissecuritydocumentation? HowtointeractwithyourRelationshipManager? Howtogetthebanktolendwhenyourcompanysfinancialsareweak? DealingwithSBPincaseofeCIBStatementshowingoverdues. HowtosecureBankGuarantees? ProductsspecificallydesignedforSMEs

Trade Finance & Foreign Exchange

Session12:Imports&Exports
WhatarebasisforForeignTrade? WhattypesofForeignTradeTransactionsarethere? UnderstandingTradeSettlements DocumentationinvolvedinInternationalTrade WhatisDocumentaryCollection? UniformRulesforCollection LetterOfCredits(L/Cs) TypesofL/Cs UniformCustoms&PracticesICC600 Issuance,Advising&NegotiationofL/Cs WhataretheRisksinvolvedinForeignTrade&theirmitigants? SpecialIssuesinForeignTrade FinancingFacilitiesrelatedtoImports&Exports ConceptofTreasury FunctionsofaTreasury IntegrationofaTreasury CorefunctionsofaTreasury

Session13:TreasuryManagement

ProcessofaGlobalization EvolvingRolesofatreasury Organizationofatreasury

Consumer Finance, Islamic Banking & More

Session14:ConsumerFinance
HistoryofConsumerCredit ConsumerCreditinPakistan TypesofConsumerFinance: CreditCard Auto/CarLoan Home/MortgageLoan PersonalLoan ConsumerRF LoantoPurchaseConsumerDurables BTF DifferencebetweenConsumerLoan&Lease Howtoobtainaconsumerloan?RelevantProcedures&Issues HowtodealwithCollections/Recovery/SettlementStaff?

Session15:RIBAFree&ShariahCompliantBanking
WhatisRIBA&HowisIslamicBankingRIBAfree? IsIslamicBankingREALLYIslamic? ModesofFinanceusedbyIslamicBanks: ModarabahContractbetweenfinancier&manager MusharakahContractualrelationshipbymutualconsentforprofit/losssharing MurabahaSaleonmutuallyagreedprofit IjaraIslamicequivalentofleasing IjaraWalIqtinaIslamicLeasePurchase IstisnaaAgreementtoprovidefinanceforManufacturing&Commodities MusawamahSaleonpricewithoutreferencetocosttoseller SalamContractforAdvancePayment ShirkahParticipatoryMode SukukIslamicDebtBonds WhatisTAKAFUL?WhooffersTAKAFULinPakistan?

Session16:ModernTrendsinBanking
TechnologicalAdvancements ElectronicFundTransfers&PlasticMoney BranchlessBankingMythorReality CDMsCash/ChequeDepositMachines RegulatoryTrends AntiMoneyLaunderingMeasures&ComplianceIssues BASELBASELIIImplementationStatus RecoveryofNonPerformingLoans FinalComprehensiveAssessmentTest