Internship+report+SBP-BSC(+Tehsin+khaliq)

SBP-BSC(Banking Services Corporations)
TEHSIN KHALIQ-MCM-59
(M.Com Morning) Page 1
INTERNSHIP REPORT
(BANKING SERVICES CORPORATION UNITS &
INRODUCTION)
SUBMITTED To,
Department of Commerce BZU Multan
State Bank of Pakistan (SBP- BSC Bank MULTAN)
SUBMITTED BY:- TEHSIN KHALIQ
MCM-13-59

Table of Contents
Acknowledgement:-......................................................................................................................................4
Letter from Department of commerce BZU .................................................................................................5
Currency Management Unit..........................................................................................................................7
Introduction ..............................................................................................................................................7
Basic Purpose of CMU .........................................................................................................................8
DISTRUCTION UNIT .........................................................................................................................8
VERIFICATION UNIT ........................................................................................................................8
SPECIAL VERIFICATION DEPARTMENT......................................................................................8
DIRECT DISTRUCTION UNIT..........................................................................................................9
CURRENCY NOTE CLAIM FUNCTION .........................................................................................................9
Public Account Unit......................................................................................................................................9
Type of Account ......................................................................................................................................10
1-Drawing Account.............................................................................................................................10
2-Assignment Account........................................................................................................................10
Main unit of PAU................................................................................................................................10
Payment Unit ......................................................................................................................................10
Receipts Unit.......................................................................................................................................10
Clearing House........................................................................................................................................11
Types of clearing.................................................................................................................................11
Price Bonds Unit.........................................................................................................................................12
Public Financing or Government Financing...............................................................................................12
Directorate of National Saving ...................................................................................................................12
National Savings Scheme trading in two Instruments:...........................................................................12
1-Interest Bearing Scheme (Instruments)............................................................................................13

2-Non Interest Bearing Account .........................................................................................................13
National Prize Bonds Scheme.....................................................................................................................13
Introduction.................................................................................................................................................13
Prize Bonds delivery by the Pakistan Security Printing Corporation Limited............................................13
Supply of Bonds to other Offices of the State Bank of Pakistan ........................................................14
Sale of Prize Bonds.............................................................................................................................14
Encashment of Prize Bonds ................................................................................................................14
Defaced Bonds – Disposal.......................................................................................................................15
Payment of Prize Money.........................................................................................................................15
Verification of Balances of Prize Bonds.............................................................................................16
Internal Audit of Prize Bonds work ....................................................................................................16
Exports Refinance Unit...............................................................................................................................16
State Bank of Pakistan (Responsibilities)................................................................................................16
Exports Products (Negative List)........................................................................................................17
Types of financing ..............................................................................................................................17
PRI Pakistan remittance initiative.......................................................................................................17
Purpose of this scheme........................................................................................................................17
Foreign Exchange Unit ...............................................................................................................................18
Role of FEOU ...........................................................................................................................................18
Verification of EE-I/ EF-I Statements for Export Finance: ........................................................................18
Outward Remittances:.........................................................................................................................18
Permissions:-.......................................................................................................................................19
Exchange companies:..........................................................................................................................19
Deposit Account Unit (DAU) .....................................................................................................................19
Current Account..................................................................................................................................20
Remittances.........................................................................................................................................20
Functions.............................................................................................................................................20

Commercial banks accounts: ..............................................................................................................20
Refrences :-.................................................................................................................................................22
Acknowledgement:-
All thanks to Almighty ALLAH who has empowered my poured knowledge that made usable
to complete this report and made it possible. I would like to thanks management of SBP BSC
(Bank) Multan to appoint me as internee and giving me the opportunity to get the practical
exposure of banking sector. This report provides all the knowledge and experience that I got
during my internship in SBP.

Letter from Department of commerce BZU

Introduction Of the organization:-
Banking Services Corporation is a subsidiary of
state bank of Pakistan. It have different units e.g. Currency Management unit, Public Accounts
Units, Exports refinance unit, Foreign exchange unit & price bond unit. This subsidiary performs
various types of functions on the behalf of state bank of Pakistan.
Currency Management Unit
Introduction
Being the Prime Controller of Currency in the Country, the BSC has put in special efforts in
reviewing currency procedure, practices, rules and regulations for various internal and external
functionaries through CMU.
Main function of this unit is to create awareness among common public about:
 Forecasting that how much currency will be needed in coming year
 Issue and Distribution of Fresh Notes and Coins
 Inventory Management and Accounting
 Note exchange facilities and Anti-counterfeit measures
Withdrawal of Soiled Notes from circulation and their destruction
Currency Management Department, (CMD) is responsible for managing the currency
distribution and its stocking across the country. It also formulates and
Implements the policies related to
 Distribution of fresh notes and coins;
Inventory management of currency notes, coins and prize bonds
 Withdrawal of soiled Notes from circulation and their destruction
 Note exchange facilities &

Implementation of SBP‟s Clean Note Policy to issue fresh / good quality notes to the
public and the government itself.
For transparent issuance of fresh / good quality banknotes to all stakeholders CMD makes
coordinated arrangements in association with chests/sub-chests of National Bank of
Pakistan, selected branches of commercial banks and sometimes even from counters of
BSC field offices. Adequate quantity of fresh notes is also issued on regular basis to all
commercial banks according to their branch network. Besides, fresh notes of higher
denominations are also regularly issued to commercial banks for feeding the ATMs.
SBP-BSC Control Multan, Sahiwal ,bahalwalpur , Pakpattan & deragazi khan Regin.
Basic Purpose of CMU:-
The basic purpose of CMU is to monitoring the currency and control the supply and demand of
currency.
Different Types of units which are controlled by SBP (BSC) Multan.32 chest branches which are
working on behalf of SBP.
DISTRUCTION UNIT
There are three ways of destroy the spoiled currency.
 VERIFICATION DEPARTMENT
 SPECIAL VERIFICATION DEPARTMENT
 DIRECT DISTRUCTION UNIT
VERIFICATION UNIT
The general side officer performs the duty for the verification of cash. If any mistake will
happen during the counting than he directly report to the chief manager.
SPECIAL VERIFICATION DEPARTMENT

Every commercial bank has a vault in SBP where they lock their spoiled currency on the
due date SBP calls the representative of commercial bank for the counting of spoiled currency.
There are two examiners and one verification officer.
The verification officer counts the middle portion of the spoiled currency and examiner counting
the upper and lower portion.
DIRECT DISTRUCTION UNIT
The purpose of destruction unit to maintain the currency level which is short during to the
counting and they recover the shortage amount on the spot from bank representative. The
shortage level is high in 10, 20 & 50 currency notes.
Movement of currency (Monitoring)
Movement of money CMU also monitors the remittance of the currency which has been
divided into :-
1) Inward remittance (cash receives from PSPC)
2) Outward remittance (cash given to banks)
CURRENCY NOTE CLAIM FUNCTION:-
The counters are established in SBP for claim of currency note. 10, 20, 50 & 100 notes
are passed by ACM and 500, 1000 passed by DCM and 5000 by Chief Manager.
Public Account Unit
SBP BSC (Bank) provides Banking Services to Government through PAU.
Public accounts unit have a
reponcibilty for maintaining the account of Federal, Provincial, District and Zakataccounts.

Type of Account
1-Drawing Account
When an Officer of a Government Department is authorized to draw funds from
Bank without limit such an account is called Drawing Account.
2-Assignment Account
In case of certain Department, Accountant General Authorizes the bank is to open
Ledger Deposit Accounts in favor of the head of these Departments and Army unit are called
Assignment Account
Main unit of PAU
1. General Working of the Unit
2. Payment Section
3. Heads of accounts
4. Types of clearing
5. Receipts Section
Payment Unit
Payment on behalf of Government through instrument Functions perform by Payment Unit
 To keep specimen signatures of drawers/DDO’s records up to date
 Maintain Cheques Series advice
 Stop Cheques
 To maintain schedule
 Pass cheques/Bills
Receipts Unit
This unit is responsible for keeping accounts of money paid into SBP BSC (Bank) for credit to
Government Account (Central and Provincial)
.

All money that are tendered at the bank for credit to Government Account should be
accompanied by Treasury Challan in the form of prescribed by the Government concerned are
permitted to be deposited by the member of the Public direct into the Bank for credit to
Government Accounts Such as: Income Tax and Sales Tax Deposits
Clearing House
BSC (Bank) among other things also acts as a Clearing House for Commercial Banks
who have to maintain Current Accounts with banking services corporations. The SBP BSC
Offices supervise the working of the Clearing House as all the important centers where the Bank
has established its offices with the help of NIFT.
Types of clearing
 Intercity clearing
 Same day clearing
 Special Clearing
Receipts Section:-
Same like the payment section public accounts unit have a
receipts Section. This section received the government payments ( Payments of
tax etc)
This section received the payment throw
 In cash.
 Cheques drawn on banks through clearing
 Cheques drawn on Government Account or current account maintained
with the Bank.
Conclusion:- This section is very important for the payments and receipts
purpose. All the persons on this department are highly regulated. All Function
performed in very sound and uniform manner.
Visit of this unit is helpful for me for the understanding of the functions of the
unit.

Price Bonds Unit
Overview:-
The Prize Bond scheme is the part of national saving scheme. The SBP-
BSC provides management services to the government for this scheme. SBP-BSC can decide
about the terms and conditions of the scheme can increase or decrease the amount of prize
money and can change the denomination
Public Financing or Government Financing
Public finance is a field of economics concerned with paying for collective or Governmental acti
vities, and with the administration and design of that activities.Government financing can be
achieved by Taxes, and Borrowings. When Government
expenditure are greater than tax revenue, then Government financing them through borrowings
from various sources like as: borrowing from SBP, Commercial Banks, and Local Public.
Governments issue Bonds and make financial investments. Government debt can be categorized
as internal debt, owed to lenders within the country, and external debt, owed to foreign lenders.
Governments usually borrow by issuing securities such as Government Bonds and Bills. Internal
debt owed by a Government as part of the country's national debt.
Directorate of National Saving
Different types of securities issued by the Government as well as Private
sector to collect the money from public to finance them. Government of Pak motivates the
people to invest their extra money in different types of scheme designed by Central Savings.
Directorate of Inspection and Accounts, Islamabad. Training Institute of National Savings,
Islamabad along with a sub-Training Institute at Karachi ;d) 12 Regional Directorates (located at
Peshawar, Abbottabad , Rawalpindi, Gujranwala, Lahore, Faisalabad, Multan, Bahawalpur,
Sukkur , Hyderabad, Karachi, and Quetta);e) 366 National Savings Centers scattered all over the
country.
National Savings Scheme trading in two Instruments:

1-Interest Bearing Scheme (Instruments)
o Defense Savings Certificate
o Special Savings Certificates
o Regular Income Certificates)
o Bagbood Saving Certificates)
o Savings Account
o Special Savings Account
o Pensioner’s Benefit Account
2-Non Interest Bearing Account
National Prize Bonds
As my report topic is Prize Bonds and Government Securities, and Defence Savings
Certificates). So first I defined what are the Prize Bonds, who print it, what are the
procedure of printing it, how its arrive at Karachi Head Office and other offices, then
sale, encashment, sale for re-issue able and disposal of non re-issuable Prize Bonds. Then
I turn into National Savings Certificates which are related with my topic i.e. Special
Savings Certificates and Defence Savings Certificates. What is their maturity, and how it
earns simple and compound interest on its face value throughout its maturity.
National Prize Bonds Scheme
Introduction
Sale of Prize Bonds of 10 rupees- denomination under the scheme of National Prize Bonds was
initiated by the Bank as an agent to the Government of Pak from 1st
Oct 1960 a detailed method for the management of National Prize Bonds by the Offices of the
Bank was drawn up and circulated to them under Central Directorates dated the 12th
September 1960 till October
Prize Bonds delivery by the Pakistan Security Printing Corporation Limited
The PSPC will advise the Director, Accounts Department, State Bank of Pakistan, Central
Directorate, Karachi, full particulars of the Prize Bonds that are printed by them. The Director of
Accounts will allocate and arrange distributions of each series of the National Prize
Bonds among the Karachi Public Debt Offices (Central) under advice to them. The allocation
will be made on the basis of the results of past sales at the two Public Debt Offices.
The Pakistan Security Printing Corporation will, thereafter, be advised to dispatch the Prize

Bonds to the respective Public Debt Offices accompanied by their representative in accordance
will the allocations made the Bank. The Central Directorate will also endorse copies of the
allocation advices to the Prize Bonds Section(Central) at Karachi. After detailed counting and
examination, Prize Bonds Section dispatches the Prize Bonds to Public Debt Office Karachi and
Lahore according to their allocation for distribution among the offices under their jurisdiction
Receipts and Examination of the Prize Bonds
The Prize Bonds will be received by the Accounts Office-in-Charge and therepresentative of
Accountant (Cash) Treasurer at each Public Debt Offices Karachi and Lahore.
Supply of Bonds to other Offices of the State Bank of Pakistan
The Public Debt Offices will be responsible for the supply of Prize Bonds to other Offices of the State
Bank of Pakistan under their jurisdiction. Prize Bonds will be issued by the Offices of the State
Bank of Pakistan at Karachi, Lahore, Quetta, Peshawar,Islamabad, Hyderabad, Multan,
Faisalabad, Rawalpindi, Sukkur, Bahawalpur, D.I. Khan,Gujrawala, Sialkot, and Nazimabad.
Sale of Prize Bonds
The Prize Bonds will be sold against the cash and as such no formal applications are required to
be submitted by purchasers for the purpose. The Prize Bonds are bearer Bonds and as such the
selling office is not required to make any endorsement there on or write the name of the
purchaser either on the Bond itself or in the teller’s sale register. However the name of the office
of the State Bank of Pakistan selling the Bonds and the date of sale of the Bonds will be affixed
on the face of the Bonds at the space provided for the purpose before the Bonds are handed over
to the purchasers
Encashment of Prize Bonds
It will be open to the holders of Prize Bonds to get their holdings by en-cashed it at any
Office of the State Bank of Pakistan or a Commercial Banks or the Post Officesthroughout
Pakistan wherever they like. The State Bank of Pakistan will en-cashed all Prize Bonds presented
at their counters irrespective of the fact whether they have been issued by them or by other Field
Offices of the State Bank of Pakistan.
The encashment of Bonds will be done at the counters of the cash department. The Teller-in-
Charge of the counter will receive the Bonds tendered and examine them to ensure that:
 The Bonds are genuine;
 The Bonds bear the name of place and date of their issue;
 The series and numbers are intact and

 The Bonds are free from mutilation and erasure.
If the Teller is satisfied about the genuineness of the Bonds and they are free from
defects he will enter En-cashed Bonds in his Register (Form PB-7A)
Defaced Bonds – Disposal
The excessively soiled, torn or mutilated etc, Bonds on the payment or exchange will not be Re-
issued if considered unfit for circulation, no Duplicate Bonds, in lieu thereof, will be printed and
issued, such defaced, mutilated Bonds will be put out of circulation permanently by destroying
them by burning by Offices after observing the following procedure:
 Ensure that Bonds are recorded in Register in form PB-35 PB-11 and PB-17which will be
preserved permanently by Offices under taking destruction.
 Before actual destruction by the offices, the defaced/mutilated Prize Bonds should be
made up in packets (100/- pieces) or in bundle (10 packets).
 After destroying these Bonds, the stock of defaced Bonds will be reduced by the Offices
from the Stock Registers PB-11 and PB-17.
 Destruction of the accumulated Prize Bonds should be done one day before the date of
the relative draw.
Payment of Prize Money
 Claim for Prize Money received at the Public Debt Office of Issue from the following
sources:
 Claim lodged directly at the counter of the Public Debt Office
 Claim received by other offices of the Stated Bank of Pakistan and forwarded to the
Public Debt Office of Issue
 Claim received through post.
The Prize Money claim of Rs. 1,250 is counter payable within five minute after verificati
on from Prize List and originality of Prize Bonds, Prize Money claim from9,300/- to

18,500/- against wining Bonds are received and processed at this unit. The number of
Prize Winning Bonds is verified from the Prize List and particulars of
theclaimant are entered in Registered PB-
18 by Assistant Account Officer (AAO).Thereafter on the basis of recommendation of
the AAO and necessary scrutiny the claims is passed by Account Officer and deliver to
Scrolling Section of the said Unit for onward delivery to the Cash Department, then Cash
Department pay the Prize Money after deduction of tax 10%
Verification of Balances of Prize Bonds
The chief Manager will depute an officer other than officer-in-charge of the Prize Bonds to
conduct verification of the balances of Prize Bonds at the end of each month. The
monthly verification will be conducted by counting through Globus Software as well as physical
counting of bundles and packets. After verification, a copy of the verifying officer’s report in
Form PB-36 will be sent to the Prize Bonds Section (Central), Karachi
Internal Audit of Prize Bonds work
The Prize Bonds work at the Offices will be audited every Month by their Internal Audit Section.
The Internal Audit Section will particularly see that the various procedures and instructions lay
down by the Central Directorate for the conduct of the Prize Bonds work including maintenance
of accounts; registers etc. are being meticulously followed. It is also ensure that accounts are
accurately prepared, checked and signed, expenditure is properly authorized and adequate
provision has been made for internal checks/counter checks
Exports Refinance Unit
ERU provides facility to exporter through Commercial Banks to exports goods and promotes
domestic industry and economy of the Country. Export Refinance Scheme was introduced with
an aim to boost exports of non-traditional items in Pakistan. The scheme is bifurcated in two
parts i.e. Part I & Part II. Under Part-I, the finance is given on pre as well as post shipment basis
for export of eligible commodities.
State Bank of Pakistan (Responsibilities)
All banks provides documentation for exporter financing including promissory note, affidavit,
undertaking, suppliers list etc... this is necessary to confirm these all documents to the SBP. If
documents are incomplete, plenty will be charged to commercial banks by SBP.

Exports Products (Negative List)
These are the only products which should be exported. This is a wide range of list including
following such items:
o Raw cotton
o Crude vegetable material
o Hides and skins
o All metals and ores
o Jewellery exported under entrustment scheme
o Works of art and antique
o Wood in rough and squared
o Wool and animal hair
o Stone sand and gravels
o Petroleum products
All grains including grain floor, cotton yarn. Crude animal material, leather wet blue, fertilizer
crude, mutton and beef, fur skins, bleached and UN bleach cloth, live animals etc….
Types of financing
 Long term loan providing scheme for importers
 Short term loan providing scheme to exporters for 180 days
PRI Pakistan remittance initiative
PRI Pakistan remittance initiative is another initiative from govt. of Pakistan to increase foreign
exchange by exporting foreign currency.
Purpose of this scheme
These schemes are made by the govt. to increase exports. Exports should be increased due to
following reason:
 To earn foreign exchange it is necessary to increase exports and to appreciate
exporters by financing them to encourage exports in Pakistan, because the imports
are more than exports, disturbs balance of payment.

Foreign Exchange Unit
On the formation of the Banking Services Corporation, Exchange Policy Department
was bifurcated into two parts. Policy side went to State Bank and the Operation side
cameunder the Banking Services Corporation. The later was named Foreign ExchangeOperations
Department (FEOD).
Role of FEOU
Enhanced Role of FEOU In order to enhance efficiency of the foreign exchange management
process, a number of operational functions previously being undertaken by the EPD, SBP have
been transferred to FEOU, SBP BSC with effect from July 1, 2011. In this regard, work relating
to foreign exchange allocation, royalty, technical fee, and branch / liaison office permission and
miscellaneous remittances have been transferred to FEOU. In addition, SBP/ Pakistan Customs
joint booths at Karachi and Lahore airport have also been vested with FEOU from the same date.
Moreover, in order to remove discrepancies in the export overdue data/returns submitted by the
ADs to SBP/ SBP BSC, a number of meetings with the nine (9) banks having large number of
discrepancies were held. As a result, around 4,274 export overdue cases were got reconciled in
the V-15 and V-16.
Verification of EE-I/ EF-I Statements for Export Finance:
Exporters report their consolidated export performance during a year on EE-I/EF-I Statements to
SBP BSC offices through ADs. Exporters’ export performance for the past year and limits for the
next year under Part II of Export Finance Scheme are determined on the basis of these
statements. The FEOU and its field units verify these EE-I/EF-I statements on receipt from ADs.
Outward Remittances:
 To allow outward remittances on Forms ‘M’, Forms I in respect of import of
Machinery/Parts/Accessories/Books, repayment of commercial loan instalments, courier
service charges, refurbishment/repair of Machinery Charges, Demurrage Charges on
chartered vessel, freight charges etc. remittances against allocation allowed by Exchange
Account Section EPD.
 To allow outward remittances on Forms on account of surplus funds of Foreign Insurance
Companies.

 To allow outward remittances on Forms ‘M’ on account of freight, advance to agents,
cost of bunker, cost of lubricants, container charges Marconi charges, cost of
paints/spares/chemicals, Dry Docking expenses, insurance premium of PNSC own &
chartered vessels, repayment of loans obtained for purchase of ships, lease rental of local
airlines.
Permissions:-
 To allow re-export of frustrated cargo, to establish Revolving Letter of Credits for
Insurance Claims, permission to issue Foreign Currency Insurance Policies, issuance of
exemption certificates from export procedure for export of Pakistani publications,
permissions to work as agents of foreign courier companies, NOC for free gift parcels.
Exchange companies:
 To convey code of conduct/general behaviour of money changers who desires to obtain
license for establishment of Exchange Company in Pakistan to the EPD: SBP: To deal the
cases of various nature involving policy matters referred by the SBPBSC (Bank)
Offices/Banks/Individual i.e. cases of import/export travel/medical/performance
guarantee and other miscellaneous matters, which are not covered under the F.E. Manual
and Booklet of Instructions
 To maintain accounts of cash foreign exchange invisible and visible and import allocation
released by the Ministry of Finance, Islamabad in favour of all Ministries/Government
Departments/Autonomous Bodies/Semi-Autonomous Bodies other that defense services.
Deposit Account Unit (DAU)
 The DAU is part of the Banking Service Corporation (BSC). The DAU is responsible
for maintaining the Bank’s Accounts and also provide the Remittance to Banks. Types of
services provided by SBP BSC (Bank) to Commercial Banks through its DAU are
 Current Account
 SBP Remittances Facility Schemes;

Current Account
SBP BSC (Bank) provides facility to other Banks to open current in SBP BSC (Bank) without
any charges. Current Account is maintained by DAU that is entrusted with the work of opening
and maintaining the Current Account of Schedule and Non-Schedule Banks, Local Bodies and
Other Foreign Banks. There are two main reasons to open account in SBP BSC (Bank);
1-When they have excess amount above their holding capacity
2-For settlement of transactions with Other Banks or for clearing purposes
Remittances
In order to facilitate movements of funds from one place to another place, SBP BSC(Bank)
provides Remittances facilities through, Demand Draft, Mail Transfer, Bank Draft, Government
Draft, and Telegraphic Transfer.
Functions
 It deals with all the commercials bank register under SBP. There are total 30
branches whose accounts are operated in SBP BSC. They are only the main
branches of the commercial banks
 It deals with the transferring of the fund.
 Bank accounts are maintained.
Maintenance of CRR and SLR and in case of not maintaining CRR and SLR heavy penalties is
imposed on commercial banks.
Commercial banks accounts:
Main branch of every bank is required to maintain an account with the field office of
State Bank Pakistan. There are total 30 main branches whose accounts are maintained in
SBP BSC. These main branches maintain the current account of their further sub
branches. SBP BSC only deals with the main branches not with the sub branches.

Remittances:
All the remittances are made in this section either payment to the local suppliers and all
expense occurring in the SBP BSC
Pay order
Payment order is made for local suppliers. For making payment of stationary or medicine
a pay order is issued to companies operating locally.
Bank draft
Bank draft is made if supplier is not local. For making payment to companies other than
your cities.
Mail transfer
This is for the employees of State Bank Pakistan. For example if an employee of state
bank Lahore wants to get his salary or money in state bank Karachi they use Mail
Transfer.
Telegraphic transfer
This is bank to bank transfer e,g. UBL Lahore has excess of cash and he wants to transfer
his cash to other main branch of UBL in Multan so the State Bank Lahore Transfer
money to State Bank Multan and HBL Multan get this Cash from SBP.
Demand draft
Demand Draft is for the employees of commercial banks if they want money they go to
SBP and give a Cheque to them according to the limit of their salary and state bank Debit
this Cheque to their account and give money to the person and when the money came in
the account of that person SBP credit this Cheque to his account.
Clean cash:
It is record of the daily receipts and payments balance of the State Bank of pakistan.it is
also called statement of affairs of the Bank.
Maintainence and balance of cash is regulated and repeated on daily basis to head
office.All the transaction regarding cash are adjusted in this section .All vouchers at the
end of the day are recdorded in the books of accounts .All the vouchers from other units
are being recorded by this department.

Attorney Maintainace.
This is that the Board of Directors of commercial banks select one person as a CEO and
then CEO gives this attorney right to one person for the transaction from accounts in SBP
BSC. For having attorney rights there is a sign of CEO and that specific employee on
STAMP PAPER to assure the soundness of the working.
Refrences :-
 Mr. Khuram ( Multan Chamber Of commerce Multan)
 Mr. Abdullah Khan (SBP MULTAN)
 Mr. Sehraz ( SBP Multan)
 Mr . Asif Iqbal (SBP Multan)
 Mrs. Bushra Tabassum (SBP Multan)

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