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Accounts of Customers: General

Accounts of Special Customers;


Cheques & their Payment;
Endorsements
Major Categories of Accounts
1. Current Account

2. Saving Account
1. Saving Account( Checking Account)
2. Fixed Deposit/Term Deposit Account( Non-Checking Account)

Note: other than this, there is no rd type of account.


Current account
• Key Feature of Current Account- Current account does not provide any
profit/interest on kept deposit.

• Minimum balance requirement in current account.

• Types of Current Account


• Current Account
• Business Account
• Basic Banking Account
• Current Life Account
• MCB Asaan Account
• Fun Club - Banking For Kids
• Foreign Currency Current Account
• MCB Smart Business Account
• MCB Ladies Account
• MCB Pensioners Current Account
• MCB Senior Citizen Current Account
• MCB Asaan Remittance Account
• MCB Burqraftaar Remittance Account
Saving Account
• Key Feature of Current Account- Current account provides profit/interest
on kept deposit.
• There is no minimum balance requirement in savings account.

• Types of Savings Account( Checking)


• Saving Account
• Saving Account
• 365 Saving Gold Account
• Saving Xtra Account
• Salary Club Gold Account
• Fun Club - Banking For Kids
• Foreign Currency Savings Account
• MCB Pensioners Savings Account
• MCB Senior Citizen Savings Account
Fixed deposit Account( Non Checking)
• Our Term Deposit products, in PKR & foreign currencies, offer
attractive short to mid-term investment options with flexibility,
convenience and security.

• Various tenor options available so that you can choose the one that
suits your needs. With different profit pay-out options and added
credit facility our Term Deposits are an answer to your investment
needs.

• Types of fixed deposit account


• Flexi Deposit Account
• Mahana Profit Account
• Special Foreign Currency Term Deposit
• MCB Higher Mahana Profit Account
• For Individuals:- All there accounts can be
opened by individuals/ personal capacities.

• For Business:- Whether it is (Sole


proprietor, partnership, company) Current
Account is preferred.

• If business motive is to earn profit through


banking, that business can open the fixed
account(non checking account) too.
General Accounts of Special
Customers
Special Customers:- SSGS, WAPDA, NTS, SBP, IBP,
WASA, HUJJ Services, Mehran University,
Sindh University.

• They maintained Current Account for


collection purpose.

• These entities can also open Saving(Fixed


deposit Account/ non checking)
Crossed Cheques & their Collection;
Other Negotiable Instruments; other
banking instruments
Open and Order Cheques
Crossing of Cheques
1. General Crossing
2. Special Crossing
3. Account Payee’s Crossing
4. Not Negotiable Crossing

 Crossed cheques need to be deposit in


account through deposit slip
Endorsements
1. Blank endorsement
2. Full endorsement
3. Conditional endorsement
4. Restrictive endorsement
5. Partial endorsement
6. SANS RECOURSE ENDORSEMENT
Other Banking Instruments
1. Demand draft
2. Pay order
3. Call deposit
4. Bill of exchange
5. Promissory note
6. Telegraphic transfer(SWIFT)
Control of Bank Credit in Pakistan
Components of Credit Policy
• Managing Credit Risk
• Components of Credit Risk Management
• Board & Senior Management oversight
• Organization Structure
• Systems and Procedures
• Credit origination
• Limit setting
• Credit Administration
• Measuring Credit Risk
• Internal Risk Rating
• Credit Risk Monitoring & Control
• Risk Review
• Delegation of Authority
• Managing Problem Credits

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