AL Habibian. mo.ral.i.ty INSIDE THIS ISSUE

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1 AL Habibian March-April Vol. 5/6-XIV INSIDE THIS ISSUE Hajj Ballot 2014 Results 2 Branch Opening in Labuan, Malaysia 3 Successful Applicants of ISQ Examination 4 Training Sessions on Home Remittance and MoneyGram 5 Other Trainings 6 Bank at your Doorstep 7 BAHL Employee Receives Gold Medal from Sukkur IBA 8 Launch of Visa Premium Discounts for Gold Debit Card Holders 9 Monthly Information Security Bulletin 10 New Hirings 11 Hajj Ballot 2014 Results Announced BAHL is pleased to inform that Hajj Balloting for the year 2014 was held at the Karachi Main Branch on March 13, 2014 and the following staff members were declared successful. The successful employees can take one of their family member, i.e. spouse/father or mother with them for performance of Hajj. The Bank will pay the expenses equivalent to the amount announced by the Pakistan Government in the forthcoming Hajj policy for this year. BAHL Staff NAME EMP.# DEPT / BRANCH Mr. Razi Hussain 2719 Return & Reconciliation, PO Mr. Kashif Ghaffar 3270 Market Road Branch, Hyderabad Mr. Naveed Ahmed 4027 Hussainabad Branch, Karachi Mr. Abdul Rub 4137 Rahim Yar Khan Branch Mr. Muhammad Riaz Balouch 4147 Rahim Yar Khan Branch Mr. Farhan Zafar 4326 North Karachi Industrial Area Branch, Karachi Mr. Muhammad Yousaf 6088 Burewala Branch Mr. Muhammad Furqan 6112 S.I.T.E. Branch, Karachi Mr. Muhammad Amir 8580 Cash Hub North Nazimabad Branch, Karachi Razzaq Corporation / Salam Enterprise (Outsource Staff) VALUES WORTH LIVING FOR mo.ral.i.ty Differentiation of intentions, decisions, and actions between those that are right and those that are wrong EDITOR S NOTE Five issues printed and still going strong. We realize your anticipation for the subsequent issue and sincerely apologize for the inadvertent delay. However, as 2014 goes by, we will endeavour to improve our publications even more, just as we are moving forward as a strong and stable financial institution. Let s all work together to make this the best year ever for the Bank! The Editorial Team NAME Syed Akram Hussain Mr. Muhammad Naveed Hussain Mr. Muhammad Arman Mr. Muhammad Rizwan Mr. Zameer Haider DEPT / BRANCH Gujranwala Branch Liaquatabad Branch, Karachi Pakistan Steel Mill Branch, Karachi Burewala Branch Urdu Bazar Branch, Lahore 01

2 Hajj Ballot 2014 Results 02

3 Photos from the Branch Opening in Labuan, Malaysia Rumi Quotes To Inspire Your Soul If you are irritated by every rub, how will your mirror be polished? What you seek is seeking you. Don t grieve. Anything you lose comes round in another form. When you do things from your soul, you feel a river moving in you, a joy. Silence is the language of God. All else is poor translation. (Excerpted from the book The Essentials of Rumi ) 03

4 Successful Applicants of IBP Superior Qualification (ISQ) Examination (Winter 2013) We are pleased to inform that our following staff members have been declared successful in various stages of IBP Superior Qualification (ISQ) Examination (Winter 2013) Muhammad Asim Assistant Manager LAHORE MAIN BRANCH Muhammad Asghar Ali Manager Consumer Loan Syed Taqi Haider Officer Grade 1 M.A.JINNAH ROAD BRANCH Farhan Ali Syed Officer Grade 1 AREA OFFICE CR Hassan Fakhir Raza Officer Grade 1 SARGODHA BRANCH Kashif Wahid Assistant Manager KHAN BELA BRANCH Adil Murad Officer Grade 1 AREA OFFICE Irfan Arshad Officer Grade 1 ZAHIRPIR TOWN BRANCH Muhammad Nadir Ilyas Senior Manager Credit Syed Fakharuddin Ahmad Officer Grade 1 ZONAL OFFICE[KZ] Syed Fahad Hussain Officer Grade 2 AREA OFFICE CRP Muhammad Farhan Khokhar Officer Grade 2 CLOTH MARKET BRANCH Ali Shaukat Officer Grade 1 LIAQUAT MARKET SUB BRANCH Syed Shahrukh Shabir Officer Grade 1 AREA OFFICE CRP Saad Ahmed Khan Officer Grade 1 UP MORE BRANCH Waqas Officer Grade 2 CPU Ali Zain Officer Grade 2 KARACHI MAIN BRANCH Syed Ahmed Ali Hassan Zaidi Officer Grade 1 ZONAL OFFICE[NZ] Farrukh Azeem Officer Grade 2 AREA OFFICE LAHORE - IV Syed Usama Husnain Bukhari Officer Grade 1 RIAZ BAZAR SUB BRANCH Waqas Ahmed Officer Grade 1 QUETTA BRANCH Syed Hussnain Ali Shah Officer Grade 2 AREA OFFICE CRP Masood Mubarak Rajput Officer Grade 2 PORT QASIM BRANCH Mubbashir Shaukat Officer Grade 2 SHADMAN BRANCH Abdul Wajid Officer Grade 2 BILAL GANJ BRANCH Tahir Majeed Hussain Officer Grade 1 ZONAL OFFICE[CZ] Sarfraz Hassan Khan Officer Grade 1 GULGASHT COLONY BRANCH Syed Muhammad Hasan Zaidi Officer Grade 2 PAKISTAN CHOWK BRANCH Abbas Ali Officer Grade 2 SAIDPUR ROAD SUB BRANCH Muhammad Abbas Officer Grade 2 Treasury Onkar Lal Officer Grade 2 ZAMZAMA BRANCH Syed Rizwan Haider Abidi Assistant Manager CAVALRY GROUND BRANCH Mohsin Raza Abbas Officer Grade 2 WAZIRABAD BRANCH Muhammad Imran Aziz Officer Grade 1 HYDERABAD BRANCH Mohammed Ali Jamot Manager International 04

5 Photos from Training Sessions on Home Remittance and MoneyGram in Lahore, Multan and Faisalabad 05

6 Mr. Zafar Siddiqui (Vision Consulting) conducting workshop on Professional Selling for Basic Banking Course (MTOs) Batch XXVI. Other Trainings Conducted in February - March One full-day workshop on Credit Risk Assessment organized (in two batches) for Karachi Credit Hub & Branch Credit Officers, conducted by Mr. Mehfuz ur Reham - GM on February 22 & 28, Fifty-five Officers participated in this workshop. 2. Two full-day workshop on Professional Selling conducted for Basic Banking Course (MTOs) Batch XXVI, by Mr. Zafar Siddiqui, Vision Consulting, on February 28 & March 01, Mr. Zafar Siddiqui (Vision Consulting) interacting with the MTOs (Batch XXVI). 3. Four-week Introduction to Banking Course Batch-XLVII (47) from January 06 till February 04, 2014 for Karachi & SB Branches. Thirty-five Officers participated in this course. 4. Training of Business Development Force (BDF) from February 06 till 07, 2014 for freshly selected 37 Business Development Bankers (BDBs) from Karachi branches, conducted by Mr. Ali Raza Abdi, AGM, SME. 5. One-week Cashiers Course conducted for newly recruited in Cash Department from February 10 till 14, Sixteen Officers participated in this course. Mr. Mehfuz ur Reham, GM conducting workshop on Credit Risk Assessment. 06

7 Bank at Your Doorstep: Bank AL Habib Mobile ATM Van Bank AL Habib takes yet another step in providing innovative and convenient solutions to its customers. Towards that end, a mobile ATM Van was commissioned in May 2012, with a task to market the bank s products and provide ATM withdrawal service to all customers. Not only that, customers are solicited and those who are interested in opening an account with Bank AL Habib, will be facilitated with the relevant details including assistance in filling up the form. To date, over 5,000 transactions with a total amount of almost PKR 40 mln have been withdrawn, making the initiative a great success. Bank AL Habib Wishes All Its Employees A Colourful Spring

8 BAHL Employee Receives Gold Medal From Sukkur IBA Sukkur IBA has awarded Muhammad Fahim Qasmi a Gold Medal in MBA (Banking & Finance) at its first convocation held on 15th March Muhammad Fahim Qasmi started out as MTO of 24th Batch and after one year and six months of being part of Main Branch, Export Department, has managed to cross a major milestone in his academic career. Let s wish him best of luck! Art of Creative Thinking In Problem-Solving Creative thinking leads to new solutions and methods bringing improvements in processes, new products & services and value additions in all spheres of life. Creativity and thinking are skills that can be learned and taught with the help of techniques prescribed by the well-known guru, Dr. Edward de Bono. His advice is as follows: We must have a positive approach in looking for the solution, since if there is a problem, it must have a solution. Submitted by Kashif Hyder Manager Legal Affairs When we think, we should try to come out from the influence of dominant ideas, which are already registered in our minds. This means that we should look outside the traditional source of thinking. Understand that creativity and intelligence are not exactly the same. One doesn t need a high level of I.Q., to learn the expertise; even a person with average intelligence can develop the thinking skills. Keep an open mind and avoid self-imposed conditions, while thinking over something or solving problems. We must not scorn ideas given by children or people of limited intelligence. Their simple input may yield invaluable solutions. To develop the skill of thinking we may imagine any object, e.g. a piece of paper, then think over its maximum utilization in different ways. Sometimes you can get a solution which may be contrary to our initial thought, like in case of water shortage problem; we may consider decrease in consumption, instead of increasing the supply. Recognize provocative operation, which allows us to put forward an idea. 08 (Excerpted from a course in Creative Problem-Solving by Edward de Bono)

9 Five Things Super Lucky People Do Do you feel lucky? Here's a clear-cut approach for improving your luck today. 1. Play to your strengths. 2. Prepare in advance. 3. Start early. 4. Connect with as many people as possible. 5. Follow up. (Excerpted from a blog by Kevin March 21, 2014) Launch Of Visa Premium Discounts For Gold Debit Card Holders 09

10 Monthly Information Security Bulletin ONLINE APPLICATION PROCESS FOR INTERNET AND EXTERNAL LAUNCHED! The joint project of the Lotus Notes team and Information Security Department to develop the online application system for Internet and External has been successfully completed. This Lotus Notes based workflow system uses the Approval Levels similar to the Attendance system, and is accessible from the Public Folders on the Home Page. In addition to enabling convenient maintenance of applications and approvals, an important benefit of this online system is the huge savings in terms of both senior level management time and the printing and other costs associated with paper forms. Now users can easily complete these online forms as per their business requirements, and the requests will automatically and promptly be delivered to the relevant managers for review and necessary recommendations/authorizations, before being submitted to Information Security Department for security evaluation, approval and completing of the requests. EXCELLENT NEWS! The Information Security Department (ISD) is delighted to share that: Zeeshan Siddiqui, Chief Manager ISD [B.E/CISA/CEH/ISO LI], has passed ISACA s internationally respected Certified Information Security Manager (CISM) Examination held in December 2013, and has topped from the Karachi Chapter. Passing CISM demonstrates proficiency in the field of information security. Imran Asghar, Manager ISD [B.E/M.E/MBA/CISSP/CEH/ISO LI], has cleared Stage II of the IBP Banking Diploma programme. Heartiest Congratulations to Zeeshan and Imran on their achievements! We are proud of their successes which will, Inshallah, enable them to serve BAHL in a better manner. SECURITY ALERT!!! Log in to the BAHL Network using only your own credentials! In compliance with the IT Security Policy, access to BAHL information assets are restricted to authorized persons, and privileges are provided on need basis. BAHL users must log in to the BAHL Network using their own credentials, i.e. User ID and Password. Network scanning has been started to identify those users who are sharing the password to their account, and/or are not logging in with the credentials assigned to them. If your account is blocked, or your password is not working, seek help and report to CIM. 10

11 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 by the 25th of the month on the listed 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. New Hirings in March - April 2014 Date of Joining ID Name Designation Branch/Area/Zone 3/3/ Sawak Kaikhushroo Talati Assistant General Manager Compliance, Principal Office 3/12/ Abbas Raza Senior Manager IB-SHAHRA-E-FAISAL BRANCH, IB - KZ/S&B, IB 3/17/ Abbas Ali Manager ZONAL OFFICE[KZ], Karachi Zone, KZ 3/19/ Muhammad Arshad Manager IT Core Banking Project, Principal Office 3/19/ Naeem Muhammad Assistant General Manager IT Core Banking Project, Principal Office 3/28/ Shehzad Khilji Chief Manager IT Core Banking Project, Principal Office 4/1/ Imran Sajwani Manager IT Core Banking Project, Principal Office 4/1/ Qazi Waheed Uddin Senior Manager IT Core Banking Project, Principal Office 4/4/ Mohammad Abdullah Noorani Manager IT Core Banking Project, Principal Office 4/4/ Syed Mubashir Hussain Hashmi Manager IT Core Banking Project, Principal Office 4/11/ Mohammad Bilal Chief Manager SHADBAGH BRANCH, Circular Road Area, LHR 4/14/ Muhammad Mohsin Salim Senior Manager IT Core Banking Project, Principal Office 4/17/ Zaheer Hussain Senior Manager Information Technology, Principal Office 4/18/ Muhammad Sarwar Senior Manager AREA OFFICE SAHIWAL, Sahiwal Area, MLT 4/30/ Akhtar Ali Manager MINGORA BRANCH, KPK - South Area, KPK Pakistan has the Highest Consumption Ratio in the Region Pakistan s household consumption is 82.5% of gross domestic product (GDP), the highest in the region. The ratio stands at 60.2% for India, 76.8% for Bangladesh, 63.3% for Vietnam, 47.4% for Nigeria and 48.9% for Malaysia, the report said. AL Habibian The country s $491 billion GDP in terms of Purchasing Power Parity (PPP) is ranked 26th in the world. It forms the world s sixth largest population base. Of its 184 million people, 55% are below 25 years of age the population growth is one of the highest in the region. Pakistan ranks fourth in developing Asia after China, India and Indonesia in absolute middle-class population, the report said, quoting the Asian Development Bank. Its per capita income reached $1,368 at the end of financial year , showing 10-year (2004 to 2013) of 8.9%. Reasonable population base and its above-average growth fuel consumerism and provide an ideal ground for FMCGs to grow, the report said. Among other factors driving this growth is the increasing literacy rate and inclination of women to work, which is scaling up from poor to the middle class. Rising remittances is another reason for massive growth in consumption, which is increasing purchasing power and living standards, especially in rural areas. In the last five years, the remittances grew 16.6%. (Excerpted from the Express Tribune, March 18, 2014 ) 11