Bank of punjab scandal.docx
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The Bank of Punjab experienced Pakistan's largest banking scandal from 2005-2007, with fraudulent lending totaling 52 billion rupees. The president at the time, Hameesh Khan, resigned and fled to the USA as the bank provided falsified reports to the State Bank. Several high-profile individuals received large loans without proper documentation or collateral. The government bailed out the bank to prevent bankruptcy. Recommendations included replacing senior management, holding responsible individuals accountable, rebuilding reputation, and appointing management based on performance rather than politics.
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Habib Bank Limited (HBL) is one of the largest banks in Pakistan with over 1400 branches. It was established in 1941 in Bombay and moved its headquarters to Karachi after the partition of India and Pakistan in 1947. HBL was nationalized in 1974 but privatized in 2004. Today it has corporate, retail, and international banking divisions organized across its central and regional offices. HBL has a strong presence but also faces threats from increasing competition from foreign banks and needs to improve some customer services to remain the leading bank.
Swot
Habib Bank Limited (HBL) is Pakistan's largest bank with over 1,501 branches across 26 countries. HBL was established in 1947 in Karachi and privatized in 2004. This document discusses HBL's mission, vision, history, and a SWOT (strengths, weaknesses, opportunities, threats) analysis. The SWOT analysis finds HBL's large branch network and client base to be strengths, while weaknesses include a lack of consumer banking services and high bad debt rates. Opportunities lie in e-banking and international expansion, while threats include privatization impacts and government regulations. The conclusion states HBL could improve its global ranking by addressing political influences and management inefficiencies.
RBI Opening its door to Corporates and NBFC for Banking License
The Reserve Bank of India has opened the door for corporates and non-banking financial companies to apply for bank licenses. The criteria for NBFCs and corporates to convert into a bank includes having a minimum asset size of 50,000 crore for NBFCs and payment banks need three years of experience. The report also increases the minimum capital requirement to 1000 crore for universal banks. While this may increase competition and access to funds, NBFCs may be reluctant to convert due to stricter regulations and reduced promoter holdings required by the RBI.
VALUE ETHICS MORALS
The document discusses various corporate scandals and ethics-related issues faced by companies like Enron, Satyam, Lehman Brothers, Sahara India, Reliance Power, Speak Asia, and Blockbuster. It outlines how these companies were involved in accounting fraud, financial misrepresentation, misleading business practices, and other misconduct that in some cases led to bankruptcy or criminal investigations. The need for strong ethics, values, and compliance is emphasized.
Reserve bank of_india___commercial_banks123
The document discusses the role and functions of the Reserve Bank of India (RBI) as the central bank and regulator of the financial system in India. It outlines that RBI regulates commercial banks, controls money supply, acts as a banker to the central and state governments, promotes a sound banking system, and uses various techniques like bank rate, reserve ratios, and open market operations to influence monetary policy and credit growth. The objective of RBI's monetary policy is to accelerate economic development with reasonable price stability.
Impact of privatization on profitability of banks
This document discusses the impact of privatization on the profitability of banks in Pakistan. It provides background on the nationalization of banks in Pakistan in 1974 and defines nationalization and privatization. Privatization aims to improve competition, reduce political intervention, and strengthen corporate governance compared to state-owned banks. The document analyzes how privatization has impacted key bank performance metrics like return on equity, return on assets, loan to deposit ratios, and non-performing loans. Both advantages like improved performance and disadvantages like profit motive and favoritism of privatization are outlined.
Bank Alfalah
Bank Alfalah Limited was incorporated in 1992 and commenced banking operations in 1997. It is owned by the Abu Dhabi Group and is the sixth largest bank in Pakistan with over 500 branches. The bank provides various financial products and services including consumer banking, corporate banking, Islamic banking and branchless banking services. It recently rebranded in 2015 by changing its logo and color scheme. The document discusses the bank's vision, management team, products, services, branch network, CSR initiatives and SWOT analysis.
Global trust bank failure
Global Trust Bank (GTB) collapsed in 2004 due to severe financial mismanagement and its involvement in the 2001 Ketan Parekh stock market scam. The bank had high non-performing assets, negative net worth, and had breached prudent lending norms by heavily lending to stock market-related entities. The Reserve Bank of India placed a moratorium on GTB's operations and merged it with Oriental Bank of Commerce to ensure its survival, but this left GTB shareholders with nothing. Questions were raised about the responsibility of GTB promoters and regulators, as well as the treatment of shareholders during the collapse.
Yes bank Up's And Down
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Machhapuchchhre Bank limited ppts
This document provides an overview of Machhapuchchhre Bank Limited in Nepal. It discusses the bank's industry profile, company profile, vision, modern banking facilities, customer service department, SWOT analysis, research methodology, findings, suggestions, and results of a customer survey. The key points are:
- Machhapuchchhre Bank is a regional commercial bank established in 1998 in western Nepal and has expanded to over 50 branches.
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Hbl complete report
it was my report on HBL in last semester of msters 2016..and got good remarks from my supervisor mam sahar.
TYBIM A YES BANK.pptx
Yes Bank was founded in 2003 but ran into trouble in recent years due to large amounts of bad loans, manipulated non-performing assets figures, and poor governance. The bank's collapse was precipitated by a liquidity crisis as depositors withdrew large sums, leaving the bank's loan portfolio vastly exceeding its deposits. The RBI intervened by placing Yes Bank under a moratorium and drafting a reconstruction plan to protect depositors' funds and prevent contagion in the financial system.
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This document provides information about an internship at Habib Bank Ltd in Okara, Pakistan. It includes:
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- Details of the internship, including learning about bank procedures, departments, and account types from the branch manager.
- A SWOT analysis of Habib Bank Ltd identifying strengths like a large branch network, and weaknesses such as lack of technology.
- Recommendations to address problems encountered, such as improving customer service and increasing digital services.
The document outlines the intern's experience at Habib Bank Ltd and insights gained about the bank's operations.
HABIB Bank SWOT ANALYSIS
This document provides an overview and analysis of Habib Bank Limited (HBL) including its vision, mission, profile, SWOT analysis, and products and services. It also includes a comparative analysis of HBL with other major Pakistani banks - MCB Bank, United Bank Limited, Allied Bank Limited, and Faysal Bank. The document contains the internship report submitted to KASBIT by Avinash Advani, covering his internship tasks and findings at HBL. It provides details on the history, operations, and competitive landscape of HBL and the banking sector in Pakistan.
Hbl
Hafsa Idrees and others presented on the history and operations of Habib Bank Limited (HBL). HBL was founded in 1941 in Bombay and is now headquartered in Karachi. It has over 1,700 branches domestically and 55 branches internationally. HBL offers various personal and business banking accounts, loans, investment products, and digital banking services. It aims to enable customer prosperity while creating value for stakeholders through its vision, mission, and values of progressiveness, customer focus, excellence, integrity and meritocracy.
HBL
HBL was founded in 1941 in Bombay and is now the largest private bank in Pakistan. It has over 1700 branches domestically and 55 branches internationally. HBL offers various personal and business deposit accounts, loans, insurance and investment products. While HBL has a strong brand and large branch network, it faces threats from other banks and economic/political instability in Pakistan.
BTP 1.2.docx
Just studying in the last period of time to build a temple on the way to build a temple on the way to build a temple on the way to build a temple on the way to build a temple on the way to build the 626184626184626184626184626184tttgggggkj ok bye bye bye bye bye bye bye bye bye bye bye da vera gel for the way to build the confidence to build a temple on the way to build a temple on the way to build a temple the notes 🎶🎶🎶 ok bye bye bye bye bye bye bye bye bye bye da Veera Martha I am not able 7
Presentation on Agro Banking
The document discusses agro banking services provided by JKB Ltd. It notes that most of India's population lives in rural areas and depends on agriculture. JKB Ltd helps farmers through loans and other financing schemes. It is eligible to farmers with a good repayment history. The document outlines various loan schemes offered by JKB Ltd for activities like farming, purchasing land, cultivating medicinal plants, and financing non-resident Indians. It discusses the objectives and methodology of studying customer satisfaction. Key findings are that most people are involved in agriculture-related businesses, interest rates are seen as high, and repayment periods could be longer. In conclusion, the bank needs to further support fruit growers who face difficulties.
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RBI Opening its door to Corporates and NBFC for Banking License
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一比一原版新加坡国立大学毕业证(本硕）nus学位证书如何办理
原版一模一样【微信：741003700 】【新加坡国立大学毕业证(本硕）nus学位证书成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
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【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
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四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
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留信网认证的作用:
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2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
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办理新加坡国立大学毕业证(本硕）nus学位证书【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理新加坡国立大学毕业证(本硕）nus学位证书【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理新加坡国立大学毕业证(本硕）nus学位证书【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理新加坡国立大学毕业证(本硕）nus学位证书【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
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本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理牛津布鲁克斯大学毕业证（牛布毕业证）【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理牛津布鲁克斯大学毕业证（牛布毕业证）【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理牛津布鲁克斯大学毕业证（牛布毕业证）【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理牛津布鲁克斯大学毕业证（牛布毕业证）【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
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原版一模一样【微信：741003700 】【(glasgow毕业证书)格拉斯哥大学毕业证成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理(glasgow毕业证书)格拉斯哥大学毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理(glasgow毕业证书)格拉斯哥大学毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理(glasgow毕业证书)格拉斯哥大学毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理(glasgow毕业证书)格拉斯哥大学毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
Capital Punishment by Saif Javed (LLM)ppt.pptx
This PowerPoint presentation, titled "Capital Punishment in India: Constitutionality and Rarest of Rare Principle," is a comprehensive exploration of the death penalty within the Indian criminal justice system. Authored by Saif Javed, an LL.M student specializing in Criminal Law and Criminology at Kazi Nazrul University, the presentation delves into the constitutional aspects and ethical debates surrounding capital punishment. It examines key legal provisions, significant case laws, and the specific categories of offenders excluded from the death penalty. The presentation also discusses recent recommendations by the Law Commission of India regarding the gradual abolishment of capital punishment, except for terrorism-related offenses. This detailed analysis aims to foster informed discussions on the future of the death penalty in India.
一比一原版(uottawa毕业证书)加拿大渥太华大学毕业证如何办理
原版一模一样【微信：741003700 】【(uottawa毕业证书)加拿大渥太华大学毕业证成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理(uottawa毕业证书)加拿大渥太华大学毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理(uottawa毕业证书)加拿大渥太华大学毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理(uottawa毕业证书)加拿大渥太华大学毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理(uottawa毕业证书)加拿大渥太华大学毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
一比一原版(ua毕业证书)加拿大阿尔伯塔大学毕业证如何办理
原版一模一样【微信：741003700 】【(ua毕业证书)加拿大阿尔伯塔大学毕业证成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理(ua毕业证书)加拿大阿尔伯塔大学毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理(ua毕业证书)加拿大阿尔伯塔大学毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理(ua毕业证书)加拿大阿尔伯塔大学毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理(ua毕业证书)加拿大阿尔伯塔大学毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
一比一原版英国伦敦大学亚非学院毕业证（soas毕业证书）如何办理
原版一模一样【微信：741003700 】【英国伦敦大学亚非学院毕业证（soas毕业证书）成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理英国伦敦大学亚非学院毕业证（soas毕业证书）【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理英国伦敦大学亚非学院毕业证（soas毕业证书）【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理英国伦敦大学亚非学院毕业证（soas毕业证书）【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理英国伦敦大学亚非学院毕业证（soas毕业证书）【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
一比一原版(monash毕业证书)莫纳什大学毕业证如何办理
原版一模一样【微信：741003700 】【(monash毕业证书)莫纳什大学毕业证成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理(monash毕业证书)莫纳什大学毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理(monash毕业证书)莫纳什大学毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理(monash毕业证书)莫纳什大学毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理(monash毕业证书)莫纳什大学毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
一比一原版(liverpool毕业证书)利物浦大学毕业证如何办理
原版一模一样【微信：741003700 】【(liverpool毕业证书)利物浦大学毕业证成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理(liverpool毕业证书)利物浦大学毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理(liverpool毕业证书)利物浦大学毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理(liverpool毕业证书)利物浦大学毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理(liverpool毕业证书)利物浦大学毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
A Critical Study of ICC Prosecutor's Move on GAZA War
ICC Prosecutor Karim Khan's proposal to its judges seeking permission to prosecute Israeli leaders and Hamas commanders for crimes against the law of war has serious ramifications and calls deep scrutiny.
一比一原版新加坡南洋理工大学毕业证(本硕）ntu学位证书如何办理
原版一模一样【微信：741003700 】【新加坡南洋理工大学毕业证(本硕）ntu学位证书成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理新加坡南洋理工大学毕业证(本硕）ntu学位证书【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理新加坡南洋理工大学毕业证(本硕）ntu学位证书【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理新加坡南洋理工大学毕业证(本硕）ntu学位证书【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理新加坡南洋理工大学毕业证(本硕）ntu学位证书【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
一比一原版(uwgb毕业证书)美国威斯康星大学绿湾分校毕业证如何办理
原版一模一样【微信：741003700 】【(uwgb毕业证书)美国威斯康星大学绿湾分校毕业证成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理(uwgb毕业证书)美国威斯康星大学绿湾分校毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理(uwgb毕业证书)美国威斯康星大学绿湾分校毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理(uwgb毕业证书)美国威斯康星大学绿湾分校毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理(uwgb毕业证书)美国威斯康星大学绿湾分校毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
一比一原版加拿大多伦多大学毕业证（uoft毕业证书）如何办理
原版一模一样【微信：741003700 】【加拿大多伦多大学毕业证（uoft毕业证书）成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理加拿大多伦多大学毕业证（uoft毕业证书）【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理加拿大多伦多大学毕业证（uoft毕业证书）【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理加拿大多伦多大学毕业证（uoft毕业证书）【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理加拿大多伦多大学毕业证（uoft毕业证书）【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
一比一原版朴次茅斯大学毕业证（uop毕业证）如何办理
原版一模一样【微信：741003700 】【朴次茅斯大学毕业证（uop毕业证）成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
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办理朴次茅斯大学毕业证（uop毕业证）【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理朴次茅斯大学毕业证（uop毕业证）【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
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校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
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颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理朴次茅斯大学毕业证（uop毕业证）【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
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- 2. CORPORATESCANDAL Semester 2nd Assignment No 4th Subject Book: Corporate Governance Submitted To: M. Athar Yaqoob Submitted by: Kamran khursheed SP 15-MBE-052-VRC
- 4. WHAT IS BANK OF PUNJAB • The Bank of Punjab (BOP) head quartered in BOP tower, Main Boulevard , Gulberg, Lahore • The bank was established in 1989, pursuant to The Bank of Punjab Act 1989, and was given the status of a retail bank in 1994 Operations In Islamic Banking Retail Banking Retail Finance Payment Services Whole Sale Banking Agriculture
- 5. BoardofDirectors Name Designation Office Address Mr. Abdul Ghafoor Mirza Chairman The Bank of Punjab, Head Office BOP Tower, 10-B, Block- E-II, Main Boulevard, Gulberg-III, Lahore. Mr. Naeemuddin Khan President & CEO The Bank of Punjab, Head Office BOP Tower, 10-B, Block- E-II, Main Boulevard, Gulberg-III, Lahore. Mr. Mohammad Jehanzeb Khan Director Additional Chief Secretary-Energy, Energy Department, Govt. of Punjab, EFU House, Jail Road, Lahore Mr. Yusuf Khan Director Finance Secretary, Finance Department, Government of Punjab, Civil Secretariat, Lahore. Khawaja Farooq Saeed Director 403-Sadiq Plaza Shahrah-e-Quaid-e-Azam Lahore Syed Maratib Ali Director Shahdab House, 34-Aziz Avenue, Gulberg-V, Lahore Mr. Saeed Anwar Director 108-A, Block-E/I, Halli Road Gulberg-III, Lahore Dr. Umar Saif Director Punjab Information Technology Board(PITB), Arfa Software Technology Park, 11th Floor, 346-B, Ferozepur Road, Lahore Mr. Omar Saeed Director Chief Executive, Service Industries Ltd, Servis House, 20- Main Gulberg, Lahore Mr. Mohammed Afzaal Bhatti Director Commissioner, Overseas Pakistani Commission Punjab, 01- Club Road, GOR-I, Lahore Mr. Raza Saeed Secretary to the Board The Bank of Punjab, Head Office BOP Tower, 10-B, Block- E-II, Main Boulevard, Gulberg-III, Lahore
- 6. Executive Directors Mr. Naeem Ud Din Khan President & CEO Mr. Khalid Siddiq Tirmizey Deputy CEO Mr. Nadeem Amir Chief Financial Officer Mr. Shahid Waqar Mahmood Group Head, Wholesale Banking-I Mr. Taimur Afzal Group Head, Retail Finance Mr. Mustafa Hamdani Group Head, Investment Banking & Payment Services Mr. Irfanuddin Group Head, Operations Mr. Ahmad Shah Durrani Group Head RBG Mr. Moghis Rafiuddin Bokhari Group Head, Human Resources Mr. Ijaz Ur Rehman Qureshi Chief Risk Officer Mr. Javed Iqbal Chief Information Officer Mr. Wasim Majid Malik Head Legal Mr. Sajid Ali Khan Acting Group Head, ASG Mr. Mahboob ul Hassan Acting Group Head Special Asset Management Mr. Asadullah Khan Acting Head Audit & RAR
- 7. THE SCANDAL • The biggest fraud in the country’s history was perpetrated in 2005-2007 • During this Bank provide falsified report to State Bank regarding its performance • Hameesh Khan was president who had resigned and run to USA • Corrupt lending total PRs: 52 Billion • There were 733 loan borrowers • Executives Allegedly signed off on lending without adequate documentation and collateral • Financial institution was to teeter on the verge of bankruptcy • Government of Punjab Bailed out to save from bankruptcy
- 8. RESPONSIBLE TO CRISIS • First time On Sep. 27, 2007 NAB filed case against 6 Official of BOP and 6 others accused for 9 Billion Fraud in Accountability Court • Most of the borrowers or defaulters took stay orders from courts • Corrupt lending of PRs. 8.4 Billion to Haris Steel Mills • Shekh Afzal and his son Haris Afzal settled to Malysia • It has yet to take action against a son-in-law of former governor of Punjab Khalid Maqbool and other influential loan defaulters • State Minister Raees Muneer in era of Former President Gen (rtd) Pervez Musharraf borrowed Rs120 million from the BOP. • Huge loan was given to Mr. Farid Mughees of Colony group to buy Ch. Shujaat's sugar mill at much inflated price than the market price • 4 directors of BOP took loans from the banks to the tune of at least 17 billion in violation of banking rules of Pakistan without any sound collaterals.
- 9. • Mr. Gohar Ejaz of Lake City fame has taken over a billion in loans from BOP with practically no collaterals are over 1.5 billion rupees against his companies Mr. Ejaz was considered very close friend of Mr. Pervaiz Elahi • In addition to these loans some of the friends and relatives of the board of directors also got huge loans from the bank without real collaterals • The record shows that the directors of six companies of a leading textile group fraudulently and dishonestly caused loss worth of Rs7.320 billion to the bank. • To the DG NAB Punjab, the BOP management also requested for initiating inquiry against ex-directors of the bank who had obtained loans worth Rs18.4 billion during their tenure
- 10. RECOMENDATIONS • Senior Management including President must be replaced • Responsible persons must face charges of violating banking regulations • Institution must try to rebuild its reputation • Management must work without taking Political pressure or influence • Bank must not give more loans to recover previous loans which increased the amount of scandal up to Rs.77 Billion • Management must be appointed by their performance and there must not be appointments on political basis • As per procedures, a bank has to send a case of loan default to the central bank to forward it to NAB. In some instances banks have directly approached NAB for the recovery of defaulted amount
- 11. Sources of Data collection • Published in The Express Tribune • www.bop.com.pk • News paper “The Business Recorder”
Editor's Notes
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