Embedded Files

Join my website to Learn complete banking/Practical Activity, as Manager/In charge Foreign Exchange , youtube.com/c/MukhtarAhmedKhan

Mukhtarbloging.com
<script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-9351747510972322"     crossorigin="anonymous"></script>
https://sites.google.com/view/mukhtarblogging/4-affiliate-link

 ALASDAIR WATSON EDUCATION

 ALASDAIR WATSON SKILLS

see more

ALASDAIR WATSON SUMMARY

Alasdair Watson, based in London, GB, is currently a Associate Director - Capital Markets at CSC. Alasdair Watson brings experience from previous roles at Citi and Barclays Corporate Banking. Alasdair Watson holds a 1989 - 1990 ACCA Foundation in Accounting @ London South Bank University. With a robust skill set that includes Financial Analysis, Loans, Portfolio Management, Banking, Credit and more. Alasdair Watson has 1 emails and 1 mobile phone numbers on RocketReach.

Alasdair Watson Emails

Found 1 emails

Alasdair Watson Phone Numbers

Found 1 phone numbers

View Alasdair's Email & Phone Number (It's Free)

3 free lookup(s).
No credit card required.

If you need more lookups,

subscriptions start at $34

(billed at $34 USD/month).

L


. **43 Years of Service** – From 1974 to 2016, 

I served in 9 leading banks of Pakistan, beginning my journey at UBL with a basic pay of Rs.135 and rising through promotions, awards, and distinctions.


2. **Unbroken Values** – Punctuality, Honesty, and Steadiness guided my entire career. Even in times of retrenchment, financial stress, and illness, I carried my duty with dignity, supported my family, and ensured my children reached Master’s level education.


3. **A Living Record** – Today, through my website *MukhtarBlogging.com* and YouTube channel, I preserve my professional banking experiences, historic documents, and court struggle for pension rights, as a source of knowledge, truth, and legacy for future generations.


مئی 2004 کے مہینے میں،
مشتعل/مظاہرین نے صبح 1.00 بجے بینک الحبیب لمیٹڈ، سبزی منڈی برانچ کو آگ لگا دی۔

مجھے آفیسر گریڈ I کے انچارج ٹریڈ فنانس کے طور پر تعینات کیا گیا تھا۔ میں بہت اچھی کارکردگی کا مظاہرہ کر رہا تھا، جیسا کہ جی ایم کراچی منصور علی خان نے اعتراف کیا۔ اس رات، 12 بجے لوڈ شیڈنگ کے دوران، ہماری برانچ کا **آٹومیٹک جنریٹر آن** ہوگیا، جس سے تمام لائٹس چلتی رہیں۔
برانچ کے روشن ہونے کے باوجود، مظاہرین اور مشتعل افراد کے ایک گروپ نے **بینک الحبیب کی ہماری سبزی منڈی برانچ پر حملہ کیا۔ انہوں نے **لائٹس آن ہونے پر توجہ نہیں دی**، غالباً یہ فرض کر لیا کہ شاخ تاریک اور کمزور تھی۔ اپنے جنون میں، انہوں نے **برانچ کے کچھ حصوں کو آگ لگا دی**، عملے اور املاک کو خطرے میں ڈالا۔
**جنریٹر کے خود کار طریقے سے کام کرنے کی بدولت**، ضروری لائٹنگ جاری رہی، جس نے **عملے کو بحران پر قابو پانے میں مدد کی** اور حملے کے دوران کچھ کنٹرول برقرار رکھا۔ لوڈشیڈنگ کے خلاف مظاہرین نے سبزی منڈی شاخ کو آگ لگا دی، مکمل طور پر تباہ۔ صبح سویرے ہمارے آپریشن مینیجر کامران مسعود نے مجھے اپنے موبائل فون پر کال کی اور واقعہ سے آگاہ کیا۔ میں صبح 6 بجے اس کے گھر پہنچا اور اپنی گاڑی میں اپنے ساتھ لے کر ایک شاخ پر پہنچا تو دیکھا کہ سب کچھ جل کر راکھ ہو گیا ہے۔
صورتحال کے پرسکون ہونے کے بعد، **برانچ انتظامیہ نے فوری ایکشن لیا**۔ ہم نے لوگوں کو **خراب گراؤنڈ فلور کو ختم کرنے کے لیے رکھا** اور **برانچ کی تزئین و آرائش شروع کی**۔ اس مدت کے دوران، **GM HO** کی ہدایات کے تحت، مجھے، **دو کیشیئرز** کے ساتھ، **ایک خیمے کے نیچے برانچ کی چھت پر عارضی طور پر بینکنگ کام دوبارہ شروع کرنے کا کام سونپا گیا۔
ہم نے کام کے ماحول کو قابل انتظام بنانے کے لیے **دو پیڈسٹل پنکھے** لگائے، لیکن ان دنوں یہ **انتہائی گرم اور چپچپا** تھا۔ دریں اثنا، ہمارے **کمپیوٹر سسٹم کو واٹر پمپ، ایف بی ایریا** میں ایک اور برانچ میں منتقل کر دیا گیا، جہاں **8 سے 10 دیگر عملے کے اراکین کو بٹھایا گیا**۔ میں **سبزی منڈی برانچ** میں رہا، آپریشنز کی نگرانی کرتا رہا اور اس بات کو یقینی بناتا رہا کہ سب کچھ میری طرف سے آسانی سے چل رہا ہے۔
جسمانی تکلیف اور مشکل حالات کے باوجود، میں نے **ذاتی طور پر صارفین کی خدمت جاری رکھی**، **انہیں یقین دلایا کہ ان کی رقم محفوظ ہے** اور **انہیں ضرورت کے مطابق نقد رقم ادا کرنا**۔ اس عرصے کے دوران میری اہم ذمہ داری **برانچ کو فعال رکھنا، عملے کا انتظام کرنا، اور کسٹمر کے اعتماد کو برقرار رکھنا** تھا، جیسا کہ میں نے کل رات آپ کو اطلاع دی تھی۔مجھے مذکورہ برانچ کی چھت پر ٹینٹ اور 2 پیڈ سٹال پنکھے کے نیچے بینکنگ شروع کرنے کے لیے 2 کیشیئر اور ایک چپراسی کے ساتھ تعینات کیا گیا تھا، مجھے کسٹمرز کا چیک موصول ہوا، اور چیک # رقم، پوسٹ کرنے کے لیے واٹر پمپ برانچ کے کمپیوٹر سسٹم کو بھیجی گئی، پوسٹ کرنے کے بعد، سبزی منڈی میں چیک پر نمبر پوسٹ پھر منسوخ کر دی گئی یا ایف کو کراس کر دیا گیا۔ کمپیوٹر مین اور سبزی منڈی روف برانچ میں ادائیگی کی گئی، اسی وقت صارفین کو ان کے کیش کے بارے میں تسلی دی گئی جس نے برانچ کے ساتھ انتہائی شائستگی سے تمام صارفین کو بینک کے ساتھ پیش آنے والے واقعے کے بارے میں قائل کیا۔ یہ بینک الحبیب کے ساتھ میری لگن اور خلوص کی بلندی تھی۔
-
اگر آپ چاہیں تو میں اس کہانی کو **آپ کو ملنے والی پیشہ ورانہ شناخت اور اس بحران کے دوران آپ کی قیادت آپ کی بینکنگ میراث کا حصہ کیسے بنی اس پر زور دے کر ختم کر سکتا ہوں۔ کیا آپ چاہتے ہیں کہ میں آگے ایسا کروں؟
Author of the Book Finance of International Trade, Alistair Watson. Member of IBP London
Author of the Book Finance of International Trade, Alistair Watson. Member of IBP London
Passing Out Picture of UBL Staff College 1988
Ship Cargo  Carring Good.

# Banking – A Basic Introduction


## 1. What is a Bank?

A **bank** is a financial institution where people keep their money safely in the form of deposits. The bank also lends money to those who need it, such as individuals, businesses, or government organizations. In simple words:

* **Accepts deposits** → Keeps your money safe.

* **Provides loans** → Lends money to others for a fixed interest/markup.

* **Acts as a financial bridge** between depositors (savers) and borrowers.

## 2. What is a Cheque?


A **cheque**( Bill of Exchange ) is a written order by an account holder to their bank, instructing the bank to pay a specific amount to another person or to themselves.

* It is a **piece of paper with the account holder’s signature**.

* Banks verify the details before making payment.

* To make it more systematic, banks issue a **cheque book** — a collection of pre-printed cheque forms provided to account holders.

## 3. Types of Bank Accounts

Banks offer different kinds of accounts to meet customer needs:

1. **Current Account** – Used for daily transactions. No interest is paid, but unlimited withdrawals are allowed.

2. **Savings Account** – Suitable for individuals who want to save money and earn some profit/interest.

3. **Fixed Deposit Account** – Money is kept for a fixed period (e.g., 6 months, 1 year) with higher returns.

4. **Loan Accounts** – For customers who borrow money and repay in installments.


## 4. Banking Services for Individuals

Banks provide several services for personal use, such as:

* **Cash Deposits & Withdrawals**

* **Cheques & Online Transfers**

* **ATM/Debit/Credit Cards**

* **Utility Bill Payments**

* **Loans (Car Loan, House Loan, Personal Loan, Education Loan, Mortgage, etc.)**

## 5. Why is Banking Important?


* **Safety of Money** – Keeps money secure.

* **Easy Transactions** – Provides cheque, transfer, and online banking facilities.

* **Credit & Loans** – Helps people buy homes, cars, or start businesses.

* **Economic Growth** – Banks collect savings and use them to finance trade, industry, and infrastructure.

* **Trust & Records** – Every transaction is documented, creating trust between people and businesses.


--- 


Lecture Script: EXPORT FINANCE (For Exporters & Bankers)

Assalam-o-Alaikum viewers,

Welcome to my channel Banking Academy.
I am your host, Mukhtar Ahmed Khan.

I hope all of you are fine and doing well.

Today, I am going to deliver a very important lecture on “Export Finance” — specially designed for exporters, bankers, and students of banking.


 Importance of Export & Foreign Exchange

Before going into technical discussion, please understand one fundamental reality:

 Exports are the backbone of a country’s economy.

When a country exports goods, it earns foreign exchange, which is recorded as Foreign Currency reserves with the State Bank.

 More exports = More foreign exchange
 More foreign exchange = Strong economy
 Strong economy = Prosperity and stability

So remember:

 “Export growth is directly linked with national prosperity.”


 Role of Banks & Bankers in Export Growth

Now the question is:

 How can a banker contribute to export growth?

A banker must have strong knowledge of:

If a banker understands these points, he can:

 Guide the exporter properly
 Provide timely finance
 Ensure smooth export operations

Pakistan has many banks with Foreign Exchange Departments, but the success depends on knowledge and efficiency of the banker.


 Main Types of Export Finance

Under Foreign Exchange Regulations, banks provide export finance under the following major heads:

1. LAFB (Loan Against Foreign Bills)

Finance provided against export bills sent for collection.

2. LAPC (Loan Against Packing Credit)

Finance given before shipment to prepare/export goods.

3. FBP (Foreign Bill Purchase)

Bank purchases export bills and gives immediate payment to exporter.


 Role of Letter of Credit (LC)

Normally, the exporter receives a Letter of Credit (LC) in his favor from a foreign buyer.

This LC acts as:

 Security
 Payment assurance
 Basis for financing by bank


 Why Exporter Needs Finance?

Exporter requires funds for:


 Bank Financing Facility

Banks may provide 50% to 70% financing (depending on risk and relationship).

 This finance is:

 This is a very important practical point for both banker and exporter.


 Most Important Topic: SBP Export Refinance Scheme

Now I come to the most valuable and practical part of this lecture:

 State Bank of Pakistan (SBP) Export Refinance Scheme

This scheme is designed to:

 Promote exports
 Provide low-cost financing
 Support exporters in international trade


 Key Features of SBP Scheme


 Types of Facilities under SBP Scheme


 Benefits to Exporter

 Low financing cost
 Improved cash flow
 Ability to accept large export orders
 Competitive advantage in global market


 Final Advice (Golden Words)

 To Exporters:
Always maintain proper documentation and banking relationship.

 To Bankers:
Develop deep knowledge of export finance — you are the key facilitator of economic growth.


 Closing

I hope this lecture will help you understand Export Finance in a practical and professional way.

If you like this lecture:

 Like
 Share
 Subscribe to Banking Academy Channel




The Currency Basket in the Money Market 

# Hot Currencies and the Money Market Basket

### 🔹 Introduction

In global finance, not all currencies carry the same influence. Only a handful are considered **“Hot Currencies”** — the tightly traded, high-liquidity currencies that actually **drive the money market*

### 🔹 Historical Context — Before the Euro

In earlier decades, Europe had several important hot currencies that played a major role in "The Global Money Markets:

* **DEM – German Mark**

* **FFR – French Franc**

* **ITL – Italian Lira**

* **ESP – Spanish Peseta**

* **NLG – Dutch Guilder**

These currencies, together with USD, GBP, JPY and CHF, formed the backbone of the money market basket.

### 🔹 After the Euro

With the introduction of the **Euro (EUR)** in 1999 (electronic) and its full physical adoption in 2002, all these national currencies merged into one. Today, **the Euro represents Europe** as a single hot currency in the global market

* Simplified cross-border transactions within Europe.

* Strengthened the Euro’s position against the US Dollar.

* Made the Currency Basket leaner — focused on a few powerful currencies such as **USD, EUR, GBP, JPY**.

> **ONLY HOT CURRENCIES DRIVE THE MONEY MARKET**

* **Visit my Website:** [mukhtarblogging.com](http://mukhtarblogging.com)

* **Watch on YouTube:** [https://youtu.be/03UpFcJLcXI](https://youtu.be/03UpFcJLcXI)

**Suggested placement:** Put this article under a heading "Currency Basket" or "Money Market" on your Landing page so visitors immediately see your expertise.

*Prepared by Mukhtar Ahmed Khan 


💰 Learn How to Earn Online from Your Banking Knowledge ➜ Click Here

Mukhtar Ahmed Khan   mukhtar.khan201255@gmail.com  Mobile # 921-3362392223
Basic Banking Procedures – What Every Banker Follows   Before Openning Customer Bank Account
Before entertain any customer, a banker must strictly follow these six essential steps: While Opening Customer Account, A prudent Banker/Manager wisely judge the Confidentiality of the New Customer. 
1. **AML (Anti-Money Laundering)** – Ensure all transactions meet legal standards.2. **KYC (Know Your Customer)** – Confirm the customer’s identity and background.3. **Current Account** – Open and manage accounts for frequent business or personal transactions.4. **Saving Account** – Provide safe accounts for saving money with interest.5. **TDR (Term Deposit Receipt)** – Offer fixed-term deposits with guaranteed returns.6. **Customer Service Excellence** – Always serve customers professionally and courteously.
 I would Like to Share a very Personal Experience of Hard Working with, had dealt in BANK AL HABIB LTD, Sabzi Mandi Branch.Bank Al Habib Sabzi Mandi Branch Set on Fire by Agitator Protesting against Power Load Shedding.                             May 2004Good Friday, May 2004, I was posted as Officer Grade I, Incharge Trade Finance. I was performing very well, as acknowledged by GM Karachi, Mansoor Ali Khan. On that night, during load shedding at 12 AM, our branch’s **automatic generator switched on**, keeping all lights operational.
Despite the branch being illuminated, a group of protestors and agitators **attacked our Sabzimandi Branch of Bank Al Habib**. They **did not notice the lights were on**, likely assuming the branch was dark and vulnerable. In their frenzy, they **set parts of the branch on fire**, endangering staff and property.
Thanks to the **generator functioning automatically**, the essential lighting remained on, which **helped staff manage the crisis** and maintain some control during the attack.
After the situation calmed down, the **branch management took immediate action**. We **scrapped the damaged ground floor** and **started refurbishing the branch**. During this period, under instructions from **GM HO**, I, along with **two cashiers**, was tasked to **resume banking operations temporarily on the roof of the branch under a tent**.
We set up **two pedestal fans** to make the working environment manageable, while continuing normal banking activities. Simultaneously, I **assured our customers that their money was safe** and began **paying them by drawing cash** personally. This approach **restored confidence among customers** and ensured that banking services **continued uninterrupted despite the challenging circumstances**.
If you want, I can **continue the story further**, highlighting how this experience **strengthened your reputation as a reliable and courageous officer**. Do you want me to do that?Got it, Mukhtar Sahib. I will continue from where we left off and include all the details about working on the roof, the computer system, and staff arrangements:
---
Good Friday, May 2004, I was posted as Officer Grade I, Incharge Trade Finance. I was performing very well, as acknowledged by GM Karachi, Mansoor Ali Khan. On that night, during load shedding at 12 AM, our branch’s **automatic generator switched on**, keeping all lights operational.
Despite the branch being illuminated, a group of protestors and agitators **attacked our Sabzimandi Branch of Bank Al Habib**. They **did not notice the lights were on**, likely assuming the branch was dark and vulnerable. In their frenzy, they **set parts of the branch on fire**, endangering staff and property.
Thanks to the **generator functioning automatically**, the essential lighting remained on, which **helped staff manage the crisis** and maintain some control during the attack.
After the situation calmed down, the **branch management took immediate action**. We **scrapped the damaged ground floor** and **started refurbishing the branch**. During this period, under instructions from **GM HO**, I, along with **two cashiers**, was tasked to **resume banking operations temporarily on the roof of the branch under a tent**.
We set up **two pedestal fans** to make the working environment manageable, but it was **extremely hot and sticky** during those days. Meanwhile, our **computer system was shifted to another branch at Water Pump, FB Area**, where **8 to 10 other staff members were seated**. I remained at **Sabzimandi Branch**, overseeing operations and ensuring everything ran smoothly from my end.
Despite the physical discomfort and the challenging conditions, I **continued serving customers personally**, **assuring them that their money was safe** and **paying them in cash as required**. My main responsibility during this period was **keeping the branch functional, managing staff, and maintaining customer trust**, as I reported to you last night.
---
If you want, I can **finish this story by emphasizing the professional recognition you received and how your leadership during this crisis became part of your banking legacy**. Do you want me to do that next?


 May 2004, I was posted as Officer Grade I, In charge Trade Finance. I was performing very well, as acknowledged by GM Karachi, Mansoor Ali Khan. On that night, during load shedding at 12 AM, our branch’s **automatic generator switched on**, keeping all lights operational.
Despite the branch being illuminated, a group of protesters and agitators **attacked our Sabzimandi Branch of Bank Al Habib**. They **did not notice the lights were on**, likely assuming the branch was dark and vulnerable. In their frenzy, they **set parts of the branch on fire**, endangering staff and property.
Thanks to the **generator functioning automatically**, the essential lighting remained on, which **helped staff manage the crisis** and maintain some control during the attack. This incident highlighted the unpredictable challenges faced in banking operations, as well as the **importance of preparedness and calm leadership under pressure**.
If you like, I can continue this story further to **emphasize your personal role in managing the situation and protecting both staff and assets**. Do you want me to do that next?
Link
Instagram
Facebook
LinkedIn
TikTok
X
Passing Out After Completion of 6 months Foreign Exchange/Condensed Course from UBL Staff Training Course 1988
<!-- Google Tag Manager (noscript) --><noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-5CRZVXS7"height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript><!-- End Google Tag Manager (noscript) -->
43 Session Lecture on You Tube
Page updated
Google Sites
Report abuse