5 Development Finance Support Services

The development of an Inclusive Financial System in the country is one of the important
strategic objectives of State Bank of Pakistan (SBP). The Development Finance Group
(DFG) of SBP, has been entrusted with formulation of policy regime with a view to
increase the outreach of financial services to borrowers of SMEs, Microfinance,
Agriculture and Rural sector by the formal financial sector. The Development Finance
Support Department (DFSD) is a mirror image of the DFG in SBP BSC but with the
primary responsibilities to create awareness about the policies of SBP designed to ensure
increase in financial inclusion. DFSD network, in the form of Development Finance
Division (DFD), is present in almost all BSC field offices, enabling DFSD to use presence of
SBP-BSC across Pakistan to augment the DFG-SBP capacity and its role for connecting the
un-banked/ under-banked areas/ sectors with the country’s financial markets.

Achievements
5.1 Overview O Reorganization & Restructuring of DFSD
Development of an inclusive financial O Creation of Islamic Finance Focus Group at BSC
system in the country that could cater offices
to the financial needs of all sectors of O Developed Information Management &
the economy is crucial for economic Dissemination System on AFUs activities
Initiated Impact Assessment Survey on AFUs’
growth especially for such developing O
activities
country like Pakistan, which has low O Prepared a Concept Note for Financial Literacy
educational and financial literacy, poor O Played key role in ensuring disbursement of Rs.
private credit, lack of awareness about 263.02 billion by banks during FY11 for Agri-sector
financial services and availability of as against Rs. 248.1 billion during FY10.
Prepared & Published:
financial services to the lower income O

groups and in the rural areas. Keeping  Annual Performance Review 2009-10 of BSC.
in view all these factors Development  Booklet on BSC’s Developmental Projects FY11
Finance Group (DFG) was established  Monthly Development Finance Newsletter
in State Bank of Pakistan (SBP) and  Monthly Commodity Price Analysis
simultaneously Development Finance  Monthly Progress Report on DFSU’s Activities
O Arranged 51 DF awareness programs
Support Department (DFSD) and its O 38 training sessions arranged for credit/ lending
field units have been set up in 13 officers of commercial banks and financial
offices of SBP Banking Services institutions and facilitated more than 1,000 bank
Corporation (BSC) across the country. officers.
Arranged four training programs on SME
The initiative was aimed at creating the O
Documentation- SMEDA’s Accounting Package,
necessary institutional capacity to lead Banks Documentations Procedures & Requirements
and steer the financial sector initiatives and Microfinance & Women Development-
for broadening and deepening of the Cosmetician training for women entrepreneurs’ of
financial system. DFSD, since its Lahore, Sukkur and Multan region on July 15-16,
2010, October 12-13, 2010, January 4, 2011 and June
establishment, has been very active in 30, 2011.
providing its supporting role to meet O Six training sessions including five-day Capacity
SBP’s developmental goals. DFSD’s Building Program on “Primary Data Collection and
field units provide an interactive forum Research Methodologies” for the officers of AFUs
to meet/interact with the important at NIBAF, Islamabad.
Annual Performance Review of SBP BSC – FY11

stakeholders, which have been very instrumental both in terms of a) disseminating the
policies and initiatives of DFG-SBP at grass root level; b) understanding problems in
extending financial outreach and getting feedback directly from various stakeholders for
onward submission to DFG-SBP for revisiting/ adjusting policies/guidelines; and
c) performing the role of strengthening the bond with stakeholders.
5.2 Reorganization of DFSD
Since 2007 DFSD has been playing its parts to achieve SBP’s developmental goals and to
promote financial inclusion in the country through field offices. During FY11, SBP BSC
management reorganized DFSD at HOK and field offices. As a result thereof,
mandates of Development Finance Support Units (DFSUs) and Export Refinance
Divisions (ERD) at BSC offices have been reviewed in order to create synergies in
functions of both areas and utilize the available human resources efficiently. Accordingly,
the functions being performed by ERD and DFSUs has been merged with newly created
Development Finance Division (DFD) at BSC office level and the DFSU has been
renamed as Access to Finance Unit (AFU). Each BSC office has finalized the human &
other resources allocations/ adjustments at the DFD in consultation with the Director
Personnel Management Department and Head-DFSD successfully & timely. The DFD
at BSC offices now supervise the activities of four units viz; a) Access to Finance Unit, b)
Refinance Schemes Unit; c) On-site Verification Unit; d) Support Functions.
The key responsibilities assigned to these units are summarized in Box 5.1.

Box 5.1: List of Responsibilities Assigned to Development Finance Division (DFD) at Field Offices
a. Access to Finance Unit
O Monitoring and implementation of SBP financing schemes related to agriculture, SME, Islamic Banking
and Microfinance sectors.
O Target monitoring of agricultural financing as per plans finalized by Development Finance Group (DFG)-
SBP.
O Liaison with stakeholders and coordination with Regional Business Chief/ General Managers of
commercial banks regarding Development Finance related matters.
O Capacity building of Bank employees and awareness programs for bankers and public regarding
Development Finance related matters.
O Conducting research activities and carrying out sectoral assessment studies.

b. Refinance Schemes Unit

O Operations of conventional EFS and IERS (Part-I & II), LTF-EOP and LTFF, refinance scheme for
modernization of SMEs, scheme for financing power plants using renewable energy and financing Scheme
for construction of storage facility of agri-produce.
O Implementation of Agri-loans refinancing & guarantee scheme, refinance scheme for revitalization of
small and medium enterprises (SMEs) for war affected areas of Khyber Pakhtunkhwa (KP), Gilgit-
Baltistan (GB) and Federally Administered Tribal Areas (FATA).
O Operations of scheme for modernization of cotton ginning factories.
O Implementation of refinance scheme for revival of SMEs, concessional financing & guarantee scheme for
canola cultivation and other agricultural activities in flood affected areas.
O Any other scheme as and when circulated by the State Bank and DFSD-HOK.

c. On-site Verification Unit

O On-site verification of Export Finance Schemes (EFS) and Credit Guarantee Scheme (CGS) cases.
O Provide training to Bank employees related to on-site verification of EFS cases.
O On-site verification of reimbursement of T. T. charges on home remittances scheme.

d. Support Functions
O Preparation of business plan of the local office.
O Management of Customer Facilitation Center (Complaints handling).
O Management of IBP local centre functions.
O Any other function assigned by the management from time to time.

28
 Development Finance Support Services

5.3 Performance Review Table 5.1: Focus Group Meetings arranged during FY11
Program Description Total
5.3.1 Focus Group Meetings: 1 Agri-finance 21
2 Microfinance 17
The periodic meetings of Focus Groups 3 SME Finance 17
(FG) on different clusters of 4 Islamic Banking 12
5 Joint Session of Focus Group 5
development finance at BSC offices Total 72
provides a platform for dissemination of
SBP and financial sector policies and collection of feedback/ suggestions thereon from
the concerned stakeholders. During FY11, in addition to Agriculture, SME and
Microfinance focus groups, a new focus group on ‘Islamic Banking’ has also been
constituted at 13 field offices, which have started working to disseminate policies
initiatives and guidelines by Islamic Banking Department, SBP. The newly created FG on
Islamic Banking has been primarily entrusted with the responsibility for promotion of
Islamic banking services across country and to facilitate the Islamic banking institutions
to showcase their products so that their stakeholders can avail financing facilities under
Shariah compliant modes.
These FG forums were introduced to discuss and evolve local level operational strategies
for increasing outreach under these areas. The forums have enabled the business/
farming community, government functionaries and banks to come under one roof to
know each other respective position and stance on different issues faced by the relevant
sector. The increased interaction between the farming, business community, commercial
and specialized banks/ financial institutions (FIs) and government departments has
helped the stakeholders from different business segments to get themselves acquaint
with the products of banks as also their policies concerning provision of financial
services. The FGs regularly meet with the relevant stakeholders at BSC offices on half
yearly basis. During FY11 a total of 72 meetings under FGs umbrella (21 on Agri-
finance, 17 each on Microfinance & SME-finance, 12 on Islamic Banking, 5 on Joint
Session of Agri/ SME/ & Microfinance) were held at BSC offices and number of issues,
suggestions, recommendations put forth by the stakeholders in these meeting were
referred to DFG-SBP departments for seeking resolution and policy amendments
thereof Table (5.1).
During FY11, several activities related to dissemination and implementation of SBP’s
various policies/initiatives were arranged, the details of which are presented in the
following section.
5.3.2 Dissemination, Implementation and Monitoring of SBP’s One Window
Operation of Agricultural Financing- Pilot Project Phase-III and Indicative Agri;
credit disbursement targets for FY11
During FY11, the AFUs at BSC offices have conducted several on-site visits in
connection with the One Window Operation for Agriculture Financing under Pilot
Project Phase-III in the areas of their jurisdiction in order to monitor the progress of the
project. During the visits, the focal points in the vicinity of the allocated districts were
visited and the marketing strategy/ publicity campaign of the banks was discussed in
detail. The visiting teams also held meetings with the participating banks, focal persons
from Revenue Department, Agricultural Department, Agricultural Extension
Department, Post Offices and the farmers to seek their cooperation for smooth and
successful implementation of the project as well as to get the feedback on the project
from the farmers. Besides, review meetings for seeking status of implementation of

29
Annual Performance Review of SBP BSC – FY11

Agriculture Credit Pilot Project Phase-III were also arranged after the visits. The aim of
these meetings was to discuss strategies for effective implementation of the Pilot Project
in all the regions across the country as also to discuss impediments in extending the Agri-
credit to the target community. A total of 85 on-site visits/ meetings/ review meetings
have been conducted during the year under review.
For adequate availability and access to institutional credit necessary for accelerating the
pace of agriculture development and to ensure food security and poverty alleviation in
the country, the SBP had set an indicative target of Rs. 270 billon for banks for
disbursement of agricultural credit during FY11. In order to review and monitor the
progress made by the banks in achieving their respective indicative targets, the AFUs
have arranged several meetings with the Regional Head/Agri Heads and other
representatives of Commercial Banks dealing in Agri Credit in their respective region. A
total of 21 meetings have been held in different part of the country during the period
under review. Despite almost stagnant private sector credit, the banks have successfully
disbursed Rs. 263.02 billion during FY11, thus achieving 97.4 percent of the indicative
targets fixed by SBP at the start of FY11. In absolute terms disbursement during FY11
was higher by Rs. 15 billion or 6.0 percent from last year disbursement of Rs. 248.1
billion.
5.3.3 Launching of Awareness Campaign on SBP’s Financing & Guarantee
Schemes for Canola Cultivation and Refinancing Scheme for Revival of SMEs
& Agricultural Activities in Flood Affected Areas:
During FY11, AFUs arranged several meetings/ awareness programs on SBP’s
“Financing & Guarantee Schemes for Canola Cultivation” as well as “Refinancing
Scheme for Revival of SMEs & Agricultural Activities in Flood Affected Areas" in
coordination with the participating commercial/ specialized banks, Pakistan Agriculture
and Dairy Farmers Associations, Chamber of Commerce, members of Kissan Board and
SME representative organizations from the notified flood-hit districts/ regions across the
country. The purpose of these meetings was to create awareness about aforementioned
schemes among the farmers, banks and business community for revival of SMEs &
Agricultural activities in flood affected areas. A total of 19 meetings/ awareness
programs have been arranged across the country. Under this scheme total financing
disbursed to Agriculture sector and SMEs remained Rs. 170.8 million and Rs.212.3
million, respectively upto 15th September 2011 since its introduction.
5.3.4 Awareness Programs on Development Finance
Creating awareness about the policy initiatives and approaches of DFG-SBP/ SBP BSC
amongst the target groups/stakeholders for increasing the outreach of financial services
is one of the key responsibilities of DFSD. During FY11, 51 awareness programs on
development finance related subjects/ issues were arranged by the AFUs in different part
of the country. All these programs were organized in collaboration with the banks and
other stakeholders of the respective regions. Holding of these seminar have been very
effective in enhancing awareness about the financial services available for the
stakeholders besides being instrumental in bringing the business/ farming community
and banks closer to each other for creating synergies in their initiatives for the sector.
These programs also enabled AFUs and banks to collect grassroots feedback on financial
sector policies and initiatives.

30
 Development Finance Support Services

5.3.5 Melas/ Fairs & Exhibitions

The arrangements of Melas, Fairs and Box 5.2: Participation in Melas/ Fairs & Exhibitions
Exhibitions on Agri/ SME and 1. International Conference & Exhibitions on Islamic Banking &
Microfinance is an ongoing effort of Takaful, Pakistan at Lahore
2. Entrepreneurship Summit at Lahore
AFUs. These provide opportunities to the 3. First National Islamic Microfinance Conference Pakistan-2010
stakeholders of a specific sector or at Lahore
industry, particularly banks and 4. International Conference on Idea Exchange at Lahore
manufacturer of agri inputs and 5.6. Road Show under Financial Inclusion Program at Lahore
Microfinance Conference 2010 at Islamabad
machinery to showcase and demonstrate 7. International Conference on Islamic Business and Finance at
their policies & procedures, products and Islamabad
8. International Conference on Islamic Microfinance at
services. This also offers an opportunity Islamabad
to all participating institutions to study 9. Exhibition on Women Business Development at Peshawar
activities of each other and examine 10. International Symposium on Institutional Linkages for
recent trends and opportunities at their Agricultural Development in Pakistan at Peshawar
11. Cultural Food Festival of Sarhad Tourism Corporation at
respective regions. These live events have Peshawar
proved to be very effective in enhancing 12. Networking Show & Tell Exhibition at Quetta
the understanding of financial sector's 13. Education Expo at Gujranwala
Dates Exhibition at Sukkur
policies & initiatives among the target 14. 15. Traditional Sukkur Cattle Show at Sukkur
groups. During FY11, AFUs have 16. Khairpur Festival-2011 of District Government of Khairpur
arranged 6 Melas/Fairs/Exhibitions viz; 17. Sibbi Mela at Sibbi
SME Finance Expo-2010 and Agri Mela 18. Agri Mela at Dhok Gojra Rawalpindi
at Sialkot, Agri-Mela and Microfinance
Mela at Bahawalpur, Kissan Mela at
Jhang, Agri/ Hari Mela at Sakrand District Shaheed Benazirabad. All these programs
have been arranged in collaboration with commercial banks, local chambers, traders and
farmer associations of the respective regions. Besides, the AFUs have also participated in
18 other similar events organized by the other stakeholders in different part of the
country with a view to disseminate policies/ initiatives of SBP & SBP BSC concerning
access to finance (Box 5.2).
5.3.6 Seminars and Workshops
The seminars and workshops are another effort to identify significant issues that exist in
the regional economies and help in finding solutions thereof. During FY11, the AFUs
have arranged 59 Seminars/Workshops on development finance related topics/issues in
collaboration with regional offices of Commercial Banks, respective Chambers of
Commerce & Industries, Traders and Farmers Associations, SMEDA, NGOs and other
key stakeholders. Besides, the AFUs also participated in nine other seminars/workshops
arranged by the other stakeholders. The details of seminars/workshops
arranged/attended is presented at Annexure ‘A’ at the end of this chapter.
5.3.7 Research and Publications
After the merger of Strategic Planning Division into DFSD during January, 2009, the
responsibility of preparation and publication of Annual Performance Review (APR) of
SBP BSC had been assigned to DFSD. Since then the DFSD has been striving hard to
accomplish this challenging task efficiently. The APR is an attempt to provide our
various stakeholders with the information about all the functions (core & none core)
undertaken by the SBP BSC in accordance with its mandate as spelt out in SBP BSC
Ordinance, 2002 and works assign to it by SBP. The performance report usually focuses
on the achievements/ initiatives taken during the year in its key functional and

31
Annual Performance Review of SBP BSC – FY11

operational areas and to strengthen its institutional capacity. By the end FY11, DFSD
have prepared and published APRs for the years FY09, FY10 and the year under review.
Besides, the DFSD also prepares monthly reports/briefs including “Monthly Progress
Review of DFD Activities”, “Monthly Brief on Commodity Operations” and “Monthly
Development Finance Newsletter”. During FY11, DFSD prepared the aforesaid monthly
publications and disseminated the same to the DFG-SBP, internal and other respective
stakeholders for their information and having their feedback/ guidelines on the issues
highlighted therein.

5.3.8 Development of Linkages with Academia, Research Institutes and

District/ Local Governments
Development of linkages with stakeholders in the regions assigned to the AFUs is critical
for dissemination and implementation of SBP policies. Special emphasis was however
given on establishing linkages with educational and research institutions to introduce and
orient academia about the emerging development finance market in the country. Toward
this end the AFUs and CMs participate in the different events organized by educational
institutions in their respective regions and also invited relevant faculty members in their
meetings/ programs to enlighten the participants about latest researches in their field of
study. Six weeks internship programs arranged by almost all offices of SBP BSC during
the year under review were an effort to facilitate the students of local educational
institutions and business and economics schools in completing internship as a part of
their degree requirements. These interactions give rise to the demand for development
finance related courses in the educational institutions and would be instrumental in
improving the supply of trained human resources for the growing development finance
market in the country. This also help BSC in conducting research studies and surveys for
better understanding and exploring the development finance markets and to encourage
banks to increase their exposure in financing to the needy sectors of the economy.
Moreover the AFUs also coordinate with the local and regional government
functionaries particularly district/ provincial agriculture, livestock and revenue
departments, regional offices of SMEDA and NGOs etc; through on-site visits and also
invite them in their meetings/ programs to share and update the participants about
policies/ procedures for the development finance sectors. This interaction between
Government departments, commercial banks and the farming & business communities is
likely to help in increasing the access to financial services. A total of 37 visits/ meeting
(20 visits/ meetings for academia and 17 for other stakeholders) during the year FY11
have been arranged by the AFUs across the country.

5.3.9 Capacity Building Programs

The adequate capacity in the commercial banks/ financial institutions to effectively
undertake the assigned functions and better understand the dynamics of financing to the
borrowers from different segments of development finance sector determines the
velocity of financial inclusion. In order to spur the existing skill sets of employees of
banks/ financial institutions the DFSD continued its efforts to provide the opportunities
of the training and capacity building of the employees of these institutions during FY11.

Out of 48 training programs, 38 training sessions were arranged for the credit/ lending
officers of commercial banks and financial institutions by the AFUs under the guidance

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 Development Finance Support Services

of DFSD in their respective regions. Table 5.2 Summary of Capacity Building programs arranged
by AFUs during FY11
More than 1,000 bank officers have been Total
facilitated from these training programs. Programs Description Training Participants
Programs
There is also a need to create awareness Employees of Commercial Banks/ 38 1003
about the requirements of the banks etc; Financial Institutions
for providing training facilities to the Women Entrepreneur 04 142
Officers attached with Access to 06 66
stakeholders. In view of this as also to Finance Units
help the borrowers of these sectors to Total 48 1,211
become bankable, four programs for
women entrepreneurs’ of Lahore, Sukkur and Multan region were held. Six training
sessions for the officers attached with AFUs were also arranged in order to enable them
to improve their development finance related skills set (Table 5.2).
5.4 Developmental Initiatives
5.4.1 Development of Web based Information Dissemination System
Over the period AFUs has undertaken various development finance related initiatives/
activities for increasing the flow of financial services in their respective jurisdiction.
These activities are being performed by the AFUs regularly throughout the year and
accordingly primary information on these activities are being maintained/ recorded in the
form of monthly progress reports, minutes, record notes and survey reports etc, which
are being communicated/ disseminated to the concerned stakeholders. Keeping in view
the significance of these information/ records, a developmental project, aimed to create
an efficient Information Management & Dissemination System, was initiated and
completed by the DFSD during FY11. Under this project a standardized structure of
information dissemination portal has been developed for all AFUs and placed on the
SBP Electronic Notice Board (ENB), where the office-wise information on all AFUs’
activities has been made available. This developmental initiative would serve as a step
forward in enhancing the scope and efficacy of AFUs’ activities further. Apart from these
benefits this platform would also provide each AFU an opportunity to virtually come
closer to each other and benefit from the experience, information and work of other
AFUs. In future, the similar structure of RSU activities will also be established for the
same purpose.
5.4.2 Implementation of Business Planning Process
The Business Planning exercise in SBP BSC was started as result of restructuring process
initiated in 2007 by its management with the aim to bring corporate culture,
improvement in efficiency, raising service delivery standards, change in working
environment and streamlining the processes to meet the future challenges. The DFSD
took over the task of Business Planning after the merger of Strategic Planning Division
during the year 2009. Each year the process is started during the month of May-June by
the presentation of each Heads of Departments (HODs) and Chief Managers (CMs) of
BSC offices before the Business Planning Review Committee constituted for the
purpose. These presentations focus on major achievements made by the departments/
offices during the year, their annual budget and proposed developmental projects for the
upcoming year. These sessions were indeed consultative meetings where each and every
aspect of BSC functions were discussed. The Business Planning Review Committee
headed of Managing Director provides necessary guidance to the HODs/ CMs on their
proposed project. On conclusion of these sessions the DFSD prepares minutes of these

33
Annual Performance Review of SBP BSC – FY11

meetings besides collating the approved operational and developmental projects and
disseminate the same to all concerned. As per past practice, a Booklet on Developmental
Projects was also prepared by the department during FY11 which has served as a guide
to the HODs/ CMs as well as the Business Plan Coordinators for monitoring the
progress and timely execution of their developmental projects.

5.5 Future Outlook

The DFSD has always been proactive and striving to enhance the effectiveness of its
AFU’s activities from time to time. In this direction, a developmental project titled as
“Impact Assessment Survey” has been initiated during FY11 with the objective to
develop a monitoring mechanism to check the effectiveness of these activities. Under
this project, several questionnaires will be designed in phased manner keeping in view the
nature of the event. In the first phase, the DFSD has developed three questionnaires to
have post event feedback on event’s organization, advertisement, participation,
presentation/ coverage, banking relationship, motivation and change in participant’s
perception from the farming community and banks after attending the event. These
questionnaires have been reviewed by Statistics & Data Warehouse Department and
Research Department. The feedback/comments received from these departments have
been duly incorporated in the final version. This survey will be launched on Pilot basis
during FY12. Moreover, going forward, DFSD has also planned to undertake several
other developmental projects/ Initiatives, the detail of which is presented in the Box 5.3.

Box 5.3: Future Initiatives

O Development of effective mechanism for monitoring of Agricultural Credit Targets Versus Achievements by the
Bank.
O Preparation of Concept Paper on Financing of Program/ events regarding Financial Literacy and Capacity
Building organized by DFSD/ AFUs, through the available funds under DFID’s Financial Inclusion Programs.
O Preparation of working paper-Identification of operational issues in implementation of SBP Refinancing Schemes
for unification of practices across all BSC offices.
O Development of SOPs for On-site Monitoring/ Examination of payment of TT Charges for Foreign Remittances
in collaboration with EPD, SBP.
O Development of Management Information System (MIS) on:
 Globus based system for reporting of Islamic Banking Profit and monitoring thereof.
 Managing Credit Guarantee Schemes i.e., Credit Guarantee Scheme for Small and Rural Enterprises (CGS)
and Microfinance Credit Guarantee Facility (MCGF).
 Managing Funds Investment under MCGF & CGS.
O Training on Business Planning Process in line with the newly developed Business Plan Manual in coordination of
T&DD.
O Professional Development Programs (PDP) on SBP Refinancing Scheme: Two programs for a slot of at-least 20
employees to be arranged one at Karachi and other at NIBAF Islamabad in coordination of T&DD.

Other functions of DFSD i.e. SBP Export Finance Schemes and Credit Guarantee
Schemes are presented in Chapter 6 & 7 respectively.

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 Development Finance Support Services

Annexure A: List of Seminars/ Workshops arranged & participated by the AFUs during FY11
Seminars/ Workshops Venue Date
1 Arranged a Seminar on” Policy Adequacy and Awareness on Ghotvi Hall (Abbasia Campus) March 30, 2011.
Agricultural Financing”. Bahawalpur.
2 Participated in the Seminar on “Investment in Punjab Bahawalpur Chamber of April 07, 2011
Agricultural Business Road Show” organized by Bahawalpur Commerce & Industries.
Chamber of Commerce & Industries with the collaboration of
Punjab Board of Investment & Trade.
3 Organized a seminar on SME Financing in collaboration of NBP Regional Office Rahim June 16, 2011
Bahawalpur Bankers Club and National Bank of Pakistan Rahim Yar Khan.
Yar Khan.
4 Arranged one day’s Seminar on Refinance Scheme for BSC D.I. Khan. March 31, 2011.
Revitalization of Small and Medium Enterprises in KPK, Gilgit-
Baltistan and FATA & Credit Guarantee Scheme for Small and
Rural Enterprises in collaboration with SMEDA.
5 Arranged one-day Seminar on "Hygienic Production, Nutrition Kamran Hotel, April 01, 2011.
Value, Packing & Marketing of Sohan Halwa for the Sohan D.I. Khan.
Halwa manufacturer and other stakeholders in collaboration
with SMEDA.
6 & 7 Arranged a Microfinance Awareness-raising Seminar’ in Jinnah Hall, Tehsil Municipal July 27, 2010
collaboration with local MFBs & First Women Bank Limited/ Administration, Tandlianwala,
MFIs/ NGOs, Technical Education & Vocational Training Faisalabad.
Authority (TEVTA) and Social Welfare Society (Regd.). Satyana Bungalow, Faisalabad.
8 Arranged a “One-day awareness workshop on recently launched BSC Faisalabad. August 05, 2010
SBP refinance schemes” in consultation with the SME Finance
Department, SBP.
9 Arranged one-day “Financial Awareness Raising Seminar” for National Textile University, January 25, 2011
the students/ faculty members of National Textile University Faisalabad.
(NTU), Faisalabad.
10 Organized a seminar on “Crop Loan Insurance Scheme” under BSC Faisalabad. April 13, 2011.
the auspices of IBP local centre for the capacity building of
financial institutions in Agricultural Financing.
11 Facilitated and participated in “Policy Adequacy and Awareness New Senate Hall, University of May 16, 2011
Seminar on Agri. Financing” arranged by Agricultural Credit & Agriculture, Faisalabad.
Microfinance Department, SBP in collaboration with University
of Agriculture Faisalabad.
12 Arranged a one days’ seminar on How to Avoid Discrepancies Royalton Hotel, Faisalabad. June 23, 2011
in Trade Services for commercial bankers in collaboration with
The Institute of Bankers Pakistan, Local Centre, Faisalabad.
13 Arranged an awareness seminar on “Refinance Facility for Gujrat. January 18, 2011
Modernization of SMEs” with the collaboration of SMEDA
and Rice Mills Owners Association Gujrat.
14 Arranged two days workshop on “Lending to Small and BSC Gujranwala. February 22-23, 2011
Medium Enterprises” with the collaboration of IBP, Lahore.
15 Arranged a Seminar on SBP’s Concessional SME Refinancing Gujrat Chamber of Commerce May 04, 2011
Schemes in collaboration with Gujrat Chamber of Commerce & & Industry.
Industry.
16 Facilitated and participated in “Policy Adequacy and Awareness Sindh Agriculture University May 19, 2011
Seminar on Agri. Financing” arranged by Agricultural Credit & Tando Jam.
Microfinance Department, SBP in collaboration with Sindh
Agriculture University Tando Jam.
17 Facilitated/ organized workshop on “Refinance & Credit BSC Hyderabad. June 06, 2011
Guarantee Schemes” for flood affected districts/ regions in
collaboration with by IH&SMEFD, AC&MFD SBP.
18 Coordinated with IH&SMEFDSBP for arranging Awareness BSC Lahore July 29, 2010
Workshop of on recently launched Refinance Schemes of SBP.
19 Arranged a “One-day awareness workshop on recently launched BSC Lahore August 04, 2010
SBP refinance schemes” in consultation with the SME Finance
Department, SBP.
20 Arranged a “One day Seminar on Development Finance-Issues Lahore College for Women October 27, 2010
and Challenges” in close coordination with “Lahore College for University.
Women University”.
21 Arranged “One Day Seminar on Development Finance” in Govt. College University, December 09, 2010
coordination with Economics Department, Govt. College Lahore.
University (GCU).
22 Attended and coordinated for the “One day Seminar on BSC Lahore December 20, 2010
“Islamic Housing Finance” arranged by IH&SMEFD SBP
23 Organized a one day seminar on “Monetary Policy Govt. College University, January 11, 2011
Implementation & Formulation in Pakistan” in collaboration Lahore
with Economics Department, Government College University
(GCU).
24 Arranged a “One-day awareness workshop on recently launched BSC Multan August 06, 2010

35
Annual Performance Review of SBP BSC – FY11

SBP refinance schemes” in consultation with the IH&SME

Finance Department, SBP.
25 Organized a seminar on “International Trade for Beginners” Multan February 18, 2011
under the auspices of IBP local centre on February 18, 2011 for
the capacity building of financial institutions in International
Trade and Foreign exchange.
26 Organized in collaboration with Agricultural Credit & Seminar Hall, College of March 31, 2011.
Microfinance Department, SBP Policy Adequacy and Agriculture, D.G. Khan.
Awareness Seminar on Agriculture Finance.
27 Organized a seminar on “Crop Loan Insurance Scheme” under BSC Multan. March 14, 2011.
the auspices of IBP local centre for the capacity building of
financial institutions in Agri Financing.
28 Arranged a Library Orientation Workshop in collaboration with Auditorium, BSC Multan. March 07, 2011.
Library, SBP.
29 Organized seminar on "Deposit Mobilization Techniques" BSC Multan. April 07, 2011.
30 Organized seminar on "Customer Care". BSC Multan. April 14, 2011
31 Organized seminar on "Loan & Charge Documentation". BSC Multan. April 21, 2011.
32 Arranged seminar on “Islamic Banking & Finance-Issues, Jinnah Auditorium, Bahauddin May 25, 2011
Challenges & Way Forward” in collaboration with Meezan Bank Zakariya University (BZU),
and Institute of Management Sciences, BZU Multan. Multan.
33 Arranged One-day seminar on Prevention to Bogus Lending BSC Multan. May 30, 2011
under Pass Book.
34 Arranged Two-day seminar on “Branch Fraud & Risk BSC Multan. May 26-27, 2011
Management”.
35 Facilitated/ organized workshop on “Refinance & Credit BSC Multan. June 09, 2011
Guarantee Schemes” for flood affected districts/ regions in
collaboration with IH&SMEFD, AC&MFD SBP.
36 Coordinated and organized a seminar on SBP Inspection how BSC Multan. June 13, 2011
to avoid penalties and signature verification for the bankers in
respective areas under the auspices of IBP Local Centre,
Multan.
37 Coordinated and organized a seminar on forged signature BSC Multan. June 18, 2011
detection for the bankers in respective areas under the auspices
of IBP Local Centre, Multan.
38 Arranged a one day Seminar on “SME–Risk Assessment & BSC Muzaffarabad. November 26, 2010
Management”.
39 Organized seminar on “Developing Institutional Linkages for International Hotel, Rawalakot June 15, 2011
Promoting Development Finance”. Participants from academia (AJK).
(Ph.D Scholars), bankers, traders, farmers, NGOs, Govt.
officials and general public attended the seminar.
40 Arranged a seminar on Islamic Banking with cooperation of BSC Peshawar. July 16, 2010
Habib Bank Limited.
41 Arranged a seminar on “Policy Adequacy and Awareness on Main Auditorium of KPK November 02, 2010
Agri-financing” in coordination with Agriculture Credit Agricultural University,
Department, SBP for the students of Agricultural University, Peshawar.
Peshawar.
42 Participated in a workshop hosted by Khyber Pakhtunkhwa Khyber Pakhtunkhwa December 22, 2010
Chamber of Commerce and Industry (KPCCI) and USAID. Chamber of Commerce and
Industry, Peshawar.
43 Conducted a half-day Workshop on “Home Remittances BSC Peshawar. January 20, 2011
Business Role & Responsibilities” in collaboration with Pakistan
Remittance Initiative (PRI).
44 Attended inauguration ceremony of WBDC/Seminar on Bacha Peshawar. February 18, 2011
Khan Khapal Rozgar Scheme organized by SMEDA.
45 Facilitated/ organized workshop on “Refinance & Credit BSC Peshawar. June 11, 2011
Guarantee Schemes” for flood affected districts/ regions in
collaboration with IH&SMEFD, AC&MFD SBP.
46 Attended a seminar/ workshop with the name of “Dialogue for Sikandar Jamali Auditorium July 27, 2010
Aligning Courses of Higher Education with the Job Market” Civil Secretariat Quetta.
arranged by the Rural Development Academy (RDA) in close
collaboration with HEC, BUITEMS & Innovative
Development organization
47 Arranged a full day Seminar on Islamic Banking & Finance in BSC Quetta. December 14, 2010
collaboration with Quetta Bankers Club.
48 Attended a One day workshop on “Issues & Challenges of Serena Hotel, Quetta. December 23, 2010
Small Farmers in accessing Agriculture Credit in Pakistan”
arranged by Participatory Development Initiatives (PDI).
49 Arranged a full day Seminar on SME Finance in collaboration BSC Quetta. June 14, 2011
with Quetta Bankers Club.
50 Organized a seminar on “Islamic Banking & Finance: Issues, Faisal Masjid Campus, October 19, 2010
Challenges & Way forward”. International Islamic
University, Islamabad.

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 Development Finance Support Services

51 Organized a Seminar on “Policy Adequacy and Awareness on Arid Agriculture University, November 03, 2010
Agri-financing” in coordination with Agricultural Credit Rawalpindi.
Department, SBP.
52 Arranged a Seminar on “Overview of SBP BSC: Equal Fatima Jinnah Women November 12, 2010
Opportunity Employer” in collaboration with Fatima Jinnah University, Rawalpindi.
Women University for their students & faculty members.
53 Arranged a Seminar on “Overview of SBP BSC-Equal Arid Agriculture University, January 24, 2011.
Opportunity Employer” in collaboration with Arid Agriculture Rawalpindi.
University arranged for the students of University.
54 Organized a one day seminar on Halal Certification with the Rawalpindi. February 04, 2011.
collaboration of Halal Research Council.
55 Organized a seminar on State Bank & Banking Sector efforts in Mirpur. March 03, 2011.
Business Expansion.
56 Organized a seminar in coordination with SMEDA & Haripur Haripur Chamber of March 22, 2011.
Chamber of Commerce & Industry. Commerce & Industry.
57 Facilitated/ organized workshop on “Refinance & Credit BSC Rawalpindi. June 10, 2011.
Guarantee Schemes” for flood affected districts/ regions in
collaboration with IH&SMEFD, AC&MFD SBP.
58 Participated in post conference training workshop on Margalla Hotel Islamabad. June 14-15, 2011.
“Fundamentals of Islamic Microfinance”.
59 Arranged an awareness seminar on Islamic Banking on at in Sialkot Chamber of July 27, 2010
collaboration with Al Baraka Islamic Bank. Commerce.
60 Arranged a “One-day awareness workshop on recently launched BSC Sialkot. August 03, 2010
SBP refinance schemes” in consultation with the SME Finance
Department, SBP.
61 Arranged an interactive seminar on “Promotion of Livestock in Auditorium, office of the October 12, 2010
Gujranwala Division under the Chairmanship of Commissioner Commissioner Gujranwala
Gujranwala. Division.
62 Arranged a Seminar on “Operations of Export Finance BSC Sialkot. May 30, 2011
Scheme/ Common Irregularities in EE/ EF Statements” for the
employees of commercials banks.
63 Arranged a seminar on foreign exchange return and common BSC Sialkot. June 28, 2011
irregularities therein for the employees of commercial banks in
order to mitigate errors in submission of EE/ EF statements by
the banks.
64 Participated in 2nd Dates Exhibition & Seminar-2010 arranged District, Khairpur. July 28-30, 2010
by the District Government Khairpur.
65 Arranged a “One-day awareness workshop on recently launched BSC Sukkur. August 10, 2010
SBP refinance schemes” in consultation with the IH&SMEFD
SBP
66 Arranged a Seminar on Islamic Banking in collaboration of Traders Association Office, December 19, 2010
SMEDA and regional office of Meezan Bank Limited Sukkur. Sukkur.
67 Participated in a Seminar on “Export Potential of Pickles” Shikarpur. March19, 2011.
conducted by the Shikarpur Chamber of Commerce & Industry
in collaboration with Trade Development Authority of Pakistan,
Sukkur region.
68 Facilitated/ organized workshop on “Refinance & Credit BSC Sukuur. June 07, 2011
Guarantee Schemes” for flood affected districts/ regions in
collaboration with IH&SMEFD, AC&MFD SBP.

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