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INSIDE THIS ISSUE

EDITOR’S NOTE

Editorial Team

The Summer is upon us with a fury, and only the imminent monsoon rains will be our salvation. But life goes on, and so do the activities at our Bank. We are delighted to present yet another consolidated issue (May-June) which highlights

the key happenings in our bank during these months. Remember, the success of the

newsletter depends on your contributions, so keep them coming.

VALUES WORTH LIVING FOR

Synergy is the interaction of multiple elements in a system to produce an effect different from or greater than the sum of their individual effects

May - June 2014 - Vol. 7/8-XIV

Congratulations! Alhamdulillah! The advertisement for the AL Habib Apna Current Account has won the following Pakistan Advertising Society Awards for the year 2013.

- Best Advertisement (Banking & Financial Services) - Best Original Local Campaign The awards were announced in a prestigious ceremony held in Karachi on May 17, 2014. The press release was prominently featured in the following newspapers:

• The News • Tribune• The Nation • Pakistan Today• Pakistan Observer • Daily Jang• Nawa-i-Waqt • Ummat• Dunya • Nai Baat

AL Habib Apna Current Account Wins PAS Awards 2013

PAS Awards 2013 01

BAHL “Headquarters” Building 02

Campaigns of the Season 03

Performance of Auto Loan 04CBD Team Lahore

Promotions for the Year 2014 05

Branch Opening Ceremonies 07

Interactive Sessions by RRD 09

New Hiring 10

Course on Fundamentals of 10Payment Systems

Details of Courses Conducted at the 11Training Centre (Lahore)

MasterCard Corporate Card Presentation 12

Workshop on ATM Operations and 13Settlement at IBP

Course on Credit Risk Assessment 14

Information Security Department News 15

MoneyGram Certificate & SPB Workshop 17

“Apna Individual Current Account” voted the Best Advertismentby the Pakistan Advertisement Society 2013

Mr. Mansoor Ali Khan - GH & Mr. Najeeb Agrawalla - GM Retailalongwith the Bond Team were present at the occasion.

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Site Map

We are delighted to announce the finalization of construction plan of new Head Office for Bank Al Habib Ltd. On this momentous occasion, the MD & CE, Mr. Abbas D. Habib remarked, “By the Grace of Allah, we have finalized the Architect for the design of Bank AL Habib’s Headquarters which is being built on Plot No. 222, Dr. Daud Pota Road, E.I. Lines, Saddar, Karachi”.

The building will be centrally located in spacious surroundings and will bring Bank AL Habib into the coveted league of having a prominent landmark in the city. Mr. Karsten Fazal Sadiq has been designated as the Divisional Head for this project, en-tasked with taking this initiative to successful completion.

Work Begins on the Bank AL Habib “Headquarters” Building

From Left to Right: Mr. Ashraf Saeed- Director International Projects (Shankland Cox), Mr. Philip Logan-CEO (Shankland Cox), and Mr. Karsten Fazal Sadiq-AGM HOD-

Engineering & Maintenance Division at the signing ceremony

Mr. Mansoor Ali Khan signing the agreement.

Photos taken from the Signing Ceremony held for finalizing the Construction Plan of the Bank AL Habib’s New Headquarter Building

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Campaigns of the SeasonBAHL continues to offer innovative services to its customers, and is consistently striving to further penetrate the marketing space in Pakistan, with an array of promotions and award winning campaigns. Recently, the following campaigns have been launched, and many more are to follow, galvanizing our position as one of the most active banks in Pakistan in integrated marketing communications.

Please call 111-014-014 or SMS "APNICAR" on 9143 Visit: www.bankalhabib.com or any of our branches

427 branches & sub-branches in 121 cities

Aap Bhi Chalaain Apni Car

Auto Finance

Ab Hua Safar Khushgawar!

Low Down Payment Partial Payment Options Low Mark-up with Fixed and Floating Rate OptionsAvailable for New and Used/Imported Vehicles Auto Leasing facility also available for SMEs / Corporates

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Lunch Hosted to Recognize Auto Loan Team PerformanceIn order to celebrate the excellent performance of the CBD Team Lahore (Auto Loan) for the month of April 2014, a Lunch was hosted in the honour of the performers. The appreciation received by the team further boosted their morale. The participants assured the management of even better performance going forward.

Contributed byAlamdar HussainRelationship ManagerRetail Credit, Karachi

EXERCISE FORWORK LIFE BALANCE Recent research has found that regular exercise reduces stress, which makes time at home and at work more productive and enjoyable.

To add fitness to your schedule, try exercising before your workday starts (it's so easy to find reason not to exercise later in the day). High intensity interval training workouts are effective and fast. Further, the exercise keeps you healthy with better metabolism.

Start daily exercise and you will definitely feel the difference.

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Promotions for the Year 2014

Staff Promoted To Cadre Of General Manager

Staff Promoted To Cadre Of Deputy General Manager

Following are the staff who were promoted for the year 2014 from Assistant General Manager to General Manager.

Name: Aijaz Hussain BhimaniID: 18

Department: Zonal Of�ce [S&B]

Name: Mohib Hasan Khan ID: 6178

Department: Information Technology

Name: Mahmood Zahid ID: 251

Department: Zonal Of�ce [MLT]

Name: Rashid Iqbal Shaikh ID: 340

Department: Area Of�ce CRP1

Name: Shahid R Salehi ID: 377

Department: Returns & Reconciliation

Name: Ahsan Mushahid Siddiqui ID: 601

Department: Area Of�ce CRP3

Name: Syed Wadood Wasti ID: 785

Department: Zonal Of�ce [NZ]

Name: Khurram Asghar Khan ID: 1338

Department: Area Of�ce DR1

Name: Adeel Hassan Behroz ID: 7818

Department: Zonal Of�ce [KZ]

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Staff Promoted To Cadre Of Assistant General Manager

Name: Abbas Ali Sharif ID: 2663

Department: Credit Division

Name: Mohammed Abbas Munawar ID: 3065

Department: Zonal Of�ce [KZ]

Name: Syed Fahim Raza Zaidi ID: 3899

Department: Area Of�ce IR

Name: Syed Zul�qar Ali Zaidi ID: 4922

Department: Credit Division

Name: Muhammad Amir Mujuddadi ID: 61

Department: Audit

Name: Wasim IrfanID: 272

Department: Zonal Of�ce [FSD]

Name: Tahir Sultan ID: 441

Department: Systems & Procedures

Name: Muhammad YameenID: 1106

Zonal Of�ce [LHR]

Name: Rahim Rajab Ali ID: 7276

Department: Compliance Division

Name: Mohammad Taqi Lakhani ID: 7656

Department: Risk Management Division

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Photos from the Branch Opening Ceremonies

Relocation of Sheikhupura Road Sub Branch.The Sheikhupura Road Sub branch was relocated to Siddiqui Center,Opposite Mini Sports Complex, Sheikhupura Road, Gujranwala, commencing its operations on February 17, 2014.

Khairpur Nathan Shah Branch OpeningDated 21st April, 2014

Qambar Ali Khan Branch OpeningDated 14th June, 2014

Umerkot Branch OpeningDated 30th April, 2014

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Gulshan-e-Iqbal, University Road, Sub-branch Opening Dated 7th May, 2014

Gulshan-e-Iqbal, Hassan Square, Sub-branch Opening Dated 13th May, 2014

Kot Lakhpath, Sub-branch Opening Dated 27th May, 2014

Inauguration of Islamic Banking Window Operations, Karachi

The first Islamic Banking Window Operation was inaugurated by Mr. Mansoor Ali Khan (Group Head) at Bahadurabad Branch on

May 7th, 2014

The second Islamic Banking Window Operation was inaugurated by Mr. Ahsan

Mushahid (Area Manager) at Rashid Minhas Road Branch on May 9th, 2014

The third Islamic Banking Window Operation was inaugurated by Mr. S.M Alam (Area Manager) at Water Pump Branch on

May 13th, 2014

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Interactive Sessions Arranged by Return& Reconciliation Department (RRD)Interactive sessions were successfully arranged by RRD. Mr. Shahid Raza Salehi,Divisional Head Returns & Reconciliation Division conducted the sessions.

Agenda included:• Implementation of International Standards for Industrial Classification (ISIC) ver 4.0 of United Nations - SBP's Directives• Data Cleansing and Automation of SBP Report Projects - eCIB & Forex Reporting• Online Banking reconciliation issues - alternate arrangements for same day settlements• ADC operational and settlement issues - SBP's TATs• Discussion/ Feedback of Branches on processes improvement in reporting, reconciliation, MIS and daily check on close online etc.

• Kindness is a language which the deaf can hear and the blind can read. (Excerpted from the book “Wits of Wisdom”)

• A human mind is like an umbrella, function best when open. (Excerpted from the book “Wits of Wisdom”)

• There is no possession more precious than the possession of self control. (Excerpted from the book “Wits of Wisdom”)

• If you wish to know the mind of a man, listen to his words. (Joshann Wolfgang Von Goethe)

• Do not wait for extraordinary opportunities, seize common occasions and make them great. (Orison Sweet Marden)

• Efforts and courage are not enough without purpose and direction. (John F. Kennedy)

Words of Wisdom

Lahore: Mr Shahid Raza Salehi along withZonal Head, Mr Anser A Zaidi

Faisalabad: Mr Shahid Raza Salehi,along with Area Chief, Mr Wasim Irfan

DG Khan: Mr Shahid Raza Salehi along withZonal Head, Mr Mahmood Zahid

Hyderabad: Mr Shahid Raza Salehi, alongwith Area Manager,Mr Mehboob Ali Badami & Area Manager, Mr Khurram Behzad

Contributed byMr. Muhammad Imran DHA “Y’’ Block Branch, Lahore &Mr. Shahadat Ali Truck Stand Branch, Lee Market, Karachi

Picnic Arragned at Komal Farm House

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Helpful Tips For a Great Visit!

• Picnic coordinator(s) consisting senior/ experienced staff may be nominated as centre/ contact point.

• A staff may be deputed for backend support/coordination to keep every one in touch/contact till arrival to picnic spot and returning back.

• Area/Zone or respective Divisional Heads and Human Resource Division are to be intimated with all the relevant details with regard to the planned event.

• Final confirmation on arrival should be made to HR and respective Area/ Zonal Office or Divisional Head.

• List of emergency numbers should be available such as Police, nearby hospital, fire brigade etc.

• Necessary Preventive measures should be taken for security and safety of staff particularly when all staff/employees of unit/department are willing to attend the picnic.

• Avoid high risk picnic spots like Sea side, Rivers/Lakes etc and arrange programs in safe and secured areas like Farm House/ Water Parks etc.

• Picnic spot may be visited earlier for convenience in arrangements in case of new place. Mobile Phone coverage may also be checked.

• Presence of all the participants before leaving for picnic and on returning from picnic should be checked.

• Do not disclose your own or Banks identity unnecessarily.• Ensure good quality of food and make adequate

arrangement of clean drinking water• Take First Aid box for emergency use.• Avoid travelling in the night and try not to have all staff travel

to another.• Avoid going to remote places.• Make sure you have adequate fuel, extra wheel, tools, rope,

torch, road map, contact list, car registration book and valid license etc.

A full day course of Fundamentals of Payment Systems was held at Karachi Pearl Continental Hotel on 24th May 2014. The course was led by Syed Irfan Ali and encompassed the Core Components, Payment System Channels, Payment System categories and Payment Instruments used in the banking industry.Bank AL Habib was represented by Mr. Jawad Chaudhry and Mr. Shahid Raza.

Course on Fundamentals of Payment Systems

New HiringDate of Joining ID Name Designation Branch/Area/Zone

05/02/2014 08890 Muhammad Yaseen Saleem Manager Information Technology, Principal Office

05/09/2014 08912 Umer Riaz Manager IT Core Banking Project, Principal Office

A Picnic was arranged by the RRD staff on 7th June 2014, at Komal Farm House besides Super Highway,wherein some staff's children also attend the event.

Contributed byMr. M.Nasir Manorie RRD, Karachi

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Details of Courses Conducted at the TrainingCentre (Lahore)Introduction to Banking Course (IBC L-35)

Introduction to Banking Course IBC: Batch (L-35) was conducted successfully at TMDD- Training Centre.College Road, Lahore from 31st March, 2014 to 26th April, 2014.

The participants were 24 newly joined officers from various branches of Lahore Zone, Multan Zone, Faisalabad Area & Northern Area. The training course was aimed to orientate the participants about operational Banking.

The trainee officers were benefited by a good opportunity to have a session with the Honourable Director of our bank, Syed Mazhar Abbas, who visited the training centre on 16th April, 2014 and shared his valuable experience.

To conclude the Training course, Syed Anser A. Zaidi, Zonal Head (L/Z), Lahore joined the team on last day to get feedback and to advise the participants about their career progression.

Contributed by Mr. Rauf Iqbal,

Training & Development Lahore

Attached below is the group photo of Participants of Batch L-34 attending the course on "Introduction to Banking" with Mr.Mazhar Abbas Director along with faculty members of TMDD, Lahore Centre.

Course of Introduction to Banking (Batch L-34)

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MasterCard Corporate Card Presentation

Living the 9 To 5 Life - Work With ConfidenceConfidence. is a state of mind and can be felt within. Though at times it is not always easy staying confident at work especially on those hellish days when everything and anything that can go wrong, does go wrong.

Here are few tips to keep your confidence up.

Focus on the positive. It is very easy to get sucked in by past failures but success comes when you make that experience a learning one.

Everything is not your responsibility. At times people take too much upon themselves and start feeling disheartened and pressured. Learn to accept that everything is not under your control.

Paradigm Shift. when something is important to you, you feel that you are being assessed, watched to an extentthat can lead to paranoia. Try to remember that the focus is on what you are doing and not on you.

Convince Yourself. Believe it or not, no one knows you better than yourself. Believe in your abilities to get a job done or in doing it better. You will naturally see a lift in your spirits, change in your mood, tone andbody language.

Strength, serenity and wisdom. Learn to keep a balance so that you can do things better. Know the right time for aggressive, passive and assertive moods. Diverting and redirecting of attention may help.

Appreciate. If you don’t know how to appreciate yourself, you won’t be able to appreciate others as well. Celebrate your success- it helps in boosting self-esteem.

A presentation on the MasterCard Corporate Card was held at Bank AL Habib, Khayaban-e-Hafiz Branch.The presentation was well received by the participants, who asked pertinent questions regarding the subject matter. An experienced resource, Mr. Gouranga Dhanagare, based in Dubai, specially attended the presentation to apprise the participants on the product features.

(Contributed by Syed Irfan Raza Zaidi ADC & Cards Division)

Photos taken at the 3rd Qmobile Banker’s Champion League 2014. A total of 31 matches were scheduled in this tournament starting from 26th April, 2014 to 15th June, 2014. The Bank’s team was led by Mr.Hussain Ali Pasha who secured two man of the match prizes (70 cc Motorbike), one against Faysal bank dated 11th May, 2014 and the second was against Dubai Islamic Bank dated 1st June, 2014. Mr. Asad Khan was awarded man of the match prize in playing against HSBC team, dated 26th April, 2014 followed by Mr. Javed Kohistani in a match played against Albaraka Bank dated 25th May, 2014.

Bank AL Habib QMobile Tournament

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The Institute of bankers conducted a two-day workshop on ‘ATM Operations and Settlement’

dated 21st & 22nd May, 2014 at IBP, Karachi. The workshop was conducted by Mr.Shahid Raza

Salehi alongwith co-facilitators, Mr. Shoukat Bazinjo, Senior Joint Director SBP PSD and Mr.

Shahzaib Bhutto, Operation Head 1Link. The workshop aimed to support the banking industry in

building customer’s confidence towards ADC/E-Banking products through effective and

controlled systems as per SBP guidelines.

IBP received an overwhelming response and 60 participants from various banks including one participant from State Bank of

Pakistan (SBP) and six participants from Banking Mohtasib Pakistan (BMP) attended the session for two full days. Panel

discussion was also arranged at the end of the program for half an hour attended by the CEO 1Link as well. A plaque was also

presented to "Mr Shahid Raza Salehi" by Mr Faisal Ejaz Khan, CEO, 1Link at IBP during the Certificate distribution.

Workshop on ATM Operations and Settlement at IBP

Contributed byMr. Adil Razzaq, ADC Karachi

Contributed byMr. Shahid Raza Salehi,

RRD, Karachi

An annual picnic was arranged by the Cash department staff of Karachi Main Branch at the Ghouri Farm House, Memon Goth on 5th and 6th April, 2014.

Contributed by Mr. Muhammad Taqi NayaniZonal office, S&B Zone, Karachi

Annual PicnicOur bank recently participated as Co-sponsors at the Dhoraji Youth Services Foundation (23rd Academic Excellence Awards Ceremony) held on March 28, 2014, as part of our commitment to Corporate Social Responsibility. The program was aimed at encouraging students who have made best use of the educational scholarships extended to them, and have earned distinctions in their respective faculties.

Mr. Abdul Wahid (Area Manager) and Mr. Imran Amanullah (Area Manager), representing the bank at the occasion, distributed awards to the distinction holders.

23rd AcademicAward Ceremony

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Course on Credit Risk Assessment

One Day Courses on Credit Risk Assessment were conducted by Mr. Mahfuz-ur-Rahman - GM (Credit Division, Karachi) for staff at the Training Center Lahore on 28th March, 2014 & 29th March, 2014.

The training was arranged for Credit Officers working in Credit Hubs and various branches of Lahore Zone (L/Z), Multan Zone (M/Z) & Faisalabad Area to equip them with better technical knowhow & to enhance their skills required to appraise various credit proposals & monitoring.

Online application process for Internet and External Email launched!

The joint project of the Lotus Notes team and Information Security Department to develop the online application system for Internet and External Email 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.

SECURITY ALERT!!!

Login 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 login 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.

Contributed by Mr. Syed Ali Mohsin, Assistant Manager - BCP, and Mr.Hussein Hassanali, CISO, Information Security Department.

Monthly Information Security Bulletin

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Following are ISD staff achievements and updates.

Heartiest Congratulations to Zeeshan and Imran on their achievements!

Information Security Department (ISD) News

Mr. Zeeshan SiddiquiChief Manager - ISD Passed CISM exam

Mr. Imran AsgharManager - ISD

Passed IBP Stage - 2

Mr. Hussain Hadi RahimOG 2 - ISD, ACCA Affiliate,

New Staff hired forBCP Support

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Improving Security at BAHL: Business Continuity Plan – Your Role

The BAHL Business Continuity Plan (BCP) describes the procedures to be carried out in the event of a major incident affecting the operations of the Bank or any of its departments or systems so that the impact on the ongoing business services is minimized by efficient resumption of business processes/functions.

At BAHL, the Board approved BCP Committee oversees the Bank’s BCP program, and provides guidance and promotes the following drills:

• BCP drills• DRP Drills• Fire Evacuation Plans & Drills

BCP drills must be carried out on a quarterly basis by Bank Branches/Divisions/Departments at their designated BCP sites to physically test the facility and the BC arrangements. Drills with adequate staff (almost 50%) are mandatory. After the Drill, Units must complete the feedback form, and provide their results and observations.

IT Disaster Recovery Plan (DRP) relates to the IT Division, and DR drills are necessary to check the availability of system/applications, network connectivity and data in times of crises to assure readiness of all Bank AL Habib business systems.

Fire evacuation plans & drills help ensure that staff are aware of the safest evacuation option, and have tested these in preparation for fire or environmental disasters.

We expect all division/departments and branches to ensure these drills in true spirits quarterly. Every premises must submit fire drill Checklist to BCP administration in soft file format.

The State Bank of Pakistan conducted a workshop on ‘Risk involved in Housing Finance Processing & Documentation’ on 11th April, 2014 at SBP Banking Services Corporation (BSC), Multan. The workshop was attended by 25 participants who were associated with different financial institutions. Mr. Jawwad Bukhari of Bank AL Habib Islamic Banking branch, Multan was specially designated as a trainer at the request of State Bank of Pakistan.

Mr.Jawwad Bukhari conducted the workshop with relentless professionalism and enunciated the importance of all pertinent material in detail, in recognition of which he received an appreciation letter from SBP.

SBP Workshop onRisk Involved inHousing FinanceProcessing &Documentation

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"Certificate of Appreciation" MoneyGram

Certificate won by Mr. Sajid Ali Randhawa,

Branch Manager, Sanghar, Sindh.

MoneyGram Certificate

Contributed by Mr. Zahid Mahmood Chaudhry, Human Resource Division, Karachi

Upgrade your home and office equipment. Certain models of computers, printers, copy machines, and other types of equipment

can use up to between 50 and 90 percent more energy than energy-efficient models.

• Replace your home and office equipment with equipment that bears the "Energy Star" logo, which ensures that every

piece of equipment is made especially to reduce and save costs on energy usage.

• Turn off electronics when not in use. Screen savers on computers and idle modes on other types of equipment will

still consume energy when not in use.

• Plug all of your electronics into a single power strip that you can turn off every night. Electronics such as computers and

copy machines will still consume energy when they are plugged in although they have been turned off completely.

• Enable the hibernation and sleep modes on your home and office computers. This will allow your computers to save energy

when you step away for breaks or meetings.

• Take advantage of natural sunlight. If your home or office is set up to receive an ample amount of sunlight, you may be

able to turn off lights completely for the majority of your day.

• Paint the walls of your home and office white or in another light shade to enhance the effect that the natural light has on

your workspace.

• Install weather strips on doors and around windows. This will prevent air from escaping your home and office when the

air conditioner or heater is running; which can be especially important for locations in regions of severe weather.

• Clean and repair your home and office's heating, venting, and air conditioning (HVAC) system on a routine basis. A clean

and working HVAC system will help largely reduce your energy bills, whereas a dirty or faulty HVAC system will work harder to

cool or heat your office.

• Modify the temperature in the home and office when not in use. After office hours and during weekends, energy can be

saved by increasing the temperature of the thermostat during hot weather, and by lowering the temperature in cold weather.

Energy Saving Tips for Workplace and Home

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Self-evaluation plays an important role in the overall development of an individual. It is crucial for continuous self improvement to judge oneself before being judged by the others. It gives us the chance of coming across with our strengths and weaknesses. Also, it gives us an opportunity to improve the areas where efficiency is lacking. Such positive attitude would cost us nothing but pays in the long run and would not only be beneficial for oneself but for the organization as a whole.

A little boy went into a drug store, reached for a soda carton and pulled it over to the telephone. He climbed onto the carton so that he could reach the buttons on the phone and proceeded to punch in seven digits (phone numbers). The store owner observed and listened to the conversation:

Boy: "Lady, Can you give me the job of cutting your lawn? Woman: (at the other end of the phone line): "I already have someone to cut my lawn."

Boy: "Lady, I will cut your lawn for half the price of the person who cuts your lawn now."Woman: “I'm very satisfied with the person who is presently cutting my lawn”.

Boy: (with more perseverance) : "Lady, I'll even sweep your kerb and your sidewalk, so on Sunday you willhave the prettiest lawn in all of Palm beach, Florida."

Woman: “No, thank you”.With a smile on his face, the little boy replaced the receiver.

The store owner, who was listening to allthis, walked over to the boy.

Store Owner: "Son... I like your attitude; I like that positive spirit and would like to offer you a job".Boy: "No thanks”

Store Owner: “But you were really pleading for one”.Boy: ”No Sir, I was just checking my performance at the job I already have. I am the one who is working for that lady I was talking to!"

How often we evaluate ourselves? To be productive, we need to take time and evaluate our performance ourselves before it is being judged by others. Self-evaluation offers every one of us a realistic chance of looking at our own self, without any claims of prejudice or biasness. It may provide us with some new information about ourselves, and acquaint us with some facts that we were unaware of earlier. Self-evaluation also helps in changing the role from a passive observer to an active participant, which is a key factor to succeed in our career and display a positive attitude towards our jobs.

Self Evaluation

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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 alhabibian@bankalhabib.com by the 25th of the month on the listed email 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.

AL Habibian Needs Your Contributions!

Contributed byMr. Muhammad Tariq Iqbal, CM, Credit Risk Review Department

He who is greedy is disgraced; he who discloses his hardship will always be humiliated; he who has no control over his tongue will often have to face discomfort. (Excerpted from “Nahjul Balagha”)

Peak of Eloquence