1. SOHAIL YOUNAS MC
MBA
Banking

2. PRESENTATION ON KASHF BANK

3. Brief Introduction of the Organization
KASHF microfinance bank limited was incorporated on June 26, 2008 as a public limited company
KASH Microfinance bank is established microfinance bank with a major equity investment from KASFH holding limited
Bank head office is situated at JOHAR TOWN LAHORE Pakistan
Bank provides microfinance services
KASHF bank expanded its branch network is very short span of time in different cities of Pakistan
KASHF Microfinance bank every employee is a risk manger of his/her area.

4. Organizational Hierarchy Chart
Board of Directors
President
Resource Development Unit
Operations Department
Information technology
HR Manager
Internal audit committee
Internal audit department manger
Chief Executive Officer (CEO)
Finance department
Chief finance

5. Training Program

6. Operational Department
Fill account opening form
Take signature of customer on SS card
Fill the application form of DD
Fill cheque requisition slips

7. Customer Care Department
Help customer in filling cheque & cash depsit slip
Help customer in filing cheque
Provide account opening information to customers

8. Fill loan application form Field Work
Credit Department
Fill loan application form
Field Work

9. Critical Analysis

10. Risk framework Risk framework encompass the following areas
Credit risk
Liquidity risk
Operational risk
Human resource risk
Market/interest rate risk

11. Risks faced by the bank Security system Branch Risk
Kashf bank is committed to ensuring that the service they offer is fully secure
metal detective deceive
CCTV camera
Electronic security system

12. Management Information System
KASHF uses all the necessary tools to protect transactions and accounts form unauthorized access.
Bank provides each employee an ID

13. Employees Integrity
Bank create a culture where there is mutual trust and respect for each other
Employee work in their own are of expertise but also empower them to exchange experience and ideas with peers and supervisors
Bank hire employee by internal and externally

14. ii. Systematic Risk
Interest rate and recession represent the sources of market risk because these affect the entire market and cannot be diversified
This systematic risk arises due to change in the local and global macroeconomic parameters
Interest rate risk
Market risk

15. iii. Un-systematic Risk
Risk that is inherent in each investment and this risk can be reducing by appropriate diversification
Credit risk
Liquidity risk

16. Loaning system
Bank provide microfinance and bank analyze and verify the application to determine client’s worthiness
Risk department verify and check the ability of customer to pay the loan amount
Screening of application by business manger is done
In credit committee two loan officers and business manger are involved and they approval the credit
If the loan amount in more than 100,000 than regional manger approval is also required

17. Risk Mitigation Approaches
Bank adopted the simple approach of credit risk mitigation
KASHF bank uses realizable value of eligible collaterals to the extent of outstanding exposure.
The bank has an effective loan disbursement and recovery monitoring system
A provision for potential loan losses is maintained

18. Future Prospects of the Organization
Introduce new and innovative products/ services
Improve it’s technological so further improve its existing banking services to facilitate its customers
In five year KASHF bank plan to open 100 branches across 31 cities
Provide ATM services to its customers

19. Conclusion KASHF Microfinance bank provides microfinance services
Every employee is a risk manger of his/her area.
Hiring process of bank is not fully on merit
Bank have less banking experience but bank is performing well.

20. Recommendations Bank should provide ATM service in all its branches
Reduce its loaning processing time
Bank should provides advances on easer condition to attract more customer
Increase the benefits of the employee
Bank should hire employee fully on merit
Reduce employee turnover by offering them best salary package and incentives