Saudi Pak Commercial Bank: Analysis 沙特Pak商业银行:分析。

THE VISION

To transform the Bank into a modern, dynamic and premier service oriented institution.

THE MISSION

“To turnaround the Bank into a leading commercial bank by ensuring transparency, promoting technology, improving quality of human resource, providing premium services to customers, and adding value for all stakeholders.”

Statement Of Ethics And Business Practices:

The code of ethics established by Saudi Pak Commercial Bank Limited sets forth the guiding principles through which we operate and conduct our daily business with our shareholders, customers, vendors and with other group companies. These principles also apply to the officers and employees of the Bank

Our Customers:

We operate as customer oriented Bank and serve our customers with the highest standard of skill and service

In dealing with our customers, we comply with legal, statutory and regulatory requirements

We ensure transparency in operations.

Our Shareholders

We strive to maximize the value for our shareholders and minimize the risk of dilution in the value of shareholders through adequate risk management.

Our Staff

Our staff observes a high standard of integrity and demonstrates befitting conduct and behavior.

In performing their duties, our staff shows sense of responsibility and team spirit. Concerted efforts are made to promote congenial corporate culture in the Bank.

Credit Operations.

We conduct the credit operations under clearly spelt out policies and procedures and review the policies and procedures periodically to suit changing conditions. Our credit operations are transparent and the credit decisions are made with prudence.

We keep adequate provisioning against doubtful loans as per State Bank of Pakistan guidelines and ensure that the internal controls are in place and are observed in right earnest.

Risk Management:

We have designed and placed a proper system to identigy, measure and control the material risks.

Social Responsibility:

We recognize our wider social responsibility in terms of the contribution we can make to the well being of the communities in which we operate.

We do not make donations to or extend any financing to or take any exposure towards any political parties.

Maintaining Confidentiality:

We attach great importance to safeguarding the confidentiality of data concerning the its customers and other business relationships.

We do not disclose information about our customers to third parties without the customer’s consent unless there is a clear legal or regulatory obligation to do so.

视觉上

将银行转型为现代、动态、一流的服务机构。

任务

“通过确保透明度、促进技术、提高人力资源质量、为客户提供优质服务、为所有利益相关者增加价值,将银行转变为一家领先的商业银行。”

道德及商业实务声明:

由沙特商业银行有限公司设立的《道德守则》阐述了我们与股东、客户、供应商及其他集团公司开展日常业务的指导原则。这些原则也适用于银行职员和职员。

我们的客户:

我们以客户为导向,以最高的技术水平和服务为客户服务。

在与客户打交道时,我们遵守法律、法规和法规的要求。

我们确保行动的透明度。

我们的股东

我们努力使股东的价值最大化,并通过适当的风险管理将股东价值稀释的风险最小化。

我们的工作人员

我们的员工遵守高标准的诚信,并表现出适合的行为和行为。

在履行职责时,我们的员工表现出责任感和团队精神。共同努力促进银行的企业文化融合。

信贷业务。

我们进行信贷业务,清楚地阐明政策和程序,并定期审查政策和程序以适应不断变化的情况。我们的信贷业务是透明的,信贷决策是审慎的。

我们根据巴基斯坦国家银行的指导方针,对可疑贷款提供充足的准备金,并确保内部控制到位,并得到正确的观察。

风险管理:

我们设计并放置了一个合适的系统来识别、测量和控制物质风险。

社会责任:

我们认识到我们更广泛的社会责任,就我们能够对我们所处的社区的福祉作出的贡献。

我们不向任何政党捐款,也不向任何政党提供任何资金。

维护机密性:

我们非常重视维护有关客户和其他业务关系的数据的机密性。

除非有明确的法律或监管义务,否则我们不会在未经客户同意的情况下向第三方披露客户的信息。

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