No.

_________________

Dated ____________

Mr. _________________
____________________
National Bank of Pakistan
____________________
ENQURIY ORDER AGAINST - MR. NISAR AHMED KHUDAI, OG-I /
MANAGER, NBP, GHARO BRANCH.

Dear Sir,
It has been reported that following lapses / serious irregularities have been
committed by the above named officer during his posting at NBP, Gharo Branch which,
constitute misconduct on his part :-

1. He, being Manager of NBP, Gharo Branch allowed to continue irregular practice
during his incumbency for taking the services of Mr. Imran Ahmed Memon as PC
Operator unauthorizedly on daily wages @ Rs.50/= per working day. Mr. Imran
Ahmed Memon was being paid daily wages by debiting to Charges Account
Sundries which was deliberate deviation and violation of the due system / standing
instructions. Later on Mr. Imran Ahmed Memon committed fraud through parallel
banking by raising unauthorized / fraudulent debit / credit entries in various PLS,
Current and NBP Advance Salary accounts without existence of any voucher.
Subsequently, the whole amount withdrawn in connivance with the staff of NRSP staff
namely M/s. Ghulam Mustafa & Ashfaque Ahmed.
S.#
1
2
3
4
5
6

7
8
9
10
11
12
13

14
15
16
17
18
19
20
21
22
23

DATE OF
TRANSACTIONS
22-03-2007
22-03-2007
22-03-2007
22-03-2007
22-03-2007
22-03-2007

24-03-2007
24-03-2007
24-03-2007
24-03-2007
24-03-2007
24-03-2007
24-03-2007

26-03-2007
26-03-2007
26-03-2007
26-03-2007
26-03-2007
26-03-2007
26-03-2007
26-03-2007
26-03-2007
26-03-2007

AMOUNT DEBITED
A/C NO.
AMOUNT
C/A 2083-5
3,000.00
C/A 1903-5
2,000.00
C/A 2093-3
2,000.00
C/A 2109-5
2,000.00
C/A 2047-0
2,000.00
C/A 2033-6
2,000.00
TOTAL
13,000.00
C/A 2043-4
C/A 1929-5
C/A 2062-0
C/A 1916-0
C/A 2090-6
C/A 1904-4
C/A 1885-7
TOTAL

2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
3,000.00
15,000.00

C/A 2357-4
C/A 2356-5
C/A 1699-3
C/A 1647-6
C/A 1680-4
C/A 1657-3
C/A 1663-5
C/A 1958-9
PLS 4464-1
PLS 3922-9
TOTAL

2,000.00
2,000.00
2,000.00
3,000.00
2,000.00
2,000.00
1,000.00
2,000.00
2,000.00
2,000.00
20,000.00

24

27-03-2007

PLS 4571-1

2,000.00

25
26
27
28
29
30
31

28-03-2007
28-03-2007
28-03-2007
28-03-2007
28-03-2007
28-03-2007
28-03-2007

CA 2178-1
CA 2080-8
PLS 3030-8
C/A 1646-7
C/A 1673-3
PLS 3794-4
C/A 1689-5

2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00

AMOUNT CREDITED
A/C NO.
AMOUNT
PLS SAVING 53872
PLS SAVING 16752

7,600.00
5,400.00

13,000.0
0

PLS SAVING 49708

PLS SAVING 16752

11,500.00
3,500.00

15,000.0
0

PLS SAVING 49361

PLS SAVING 50152

15,000.00
5,000.00

20,000.0
0
PLS SAVING 16752

2,000.00

PLS SAVING 50189

6,000.00

PLS SAVING 50189

6,000.00

PLS SAVING 5018-

500.00

32
33
34
35
36
37
38

28-03-2007
28-03-2007
28-03-2007
28-03-2007
28-03-2007
28-03-2007
28-03-2007

C/A 1668-0
C/A 2053-1
C/A 1976-7
PLS 830-6
C/A 2343-1
C/A 2367-2
C/A 2355-6
TOTAL

2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
28,000.00

9
PLS SAVING 16752

9,500.00

PLS SAVING 50278

6,000.00
28,000.0
0

39

29-03-2007

PLS 4457-0

2,000.00

PLS SAVING 26278

2,000.00

40

02-04-2007

PLS 2361-8

2,000.00

PLS SAVING 16752

2,000.00

41

03-04-2007

PLS 630-8

1,430.00

PLS SAVING 16752

1,430.00

42
43
44
45
46
47
48
49
50

04-04-2007
04-04-2007
04-04-2007
04-04-2007
04-04-2007
04-04-2007
04-04-2007
04-04-2007
04-04-2007

C/A 1945-5
C/A 1981-0
C/A 2054-0
C/A 2155-8
C/A 2060-2
C/A 2327-1
C/A 1891-9
C/A 2012-1
PLS 4130-5
TOTAL

2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
2,000.00
18,000.00
2,000.00

51

06-04-2007

C/A 2049-8

52

23-12-2006
GRAND TOTAL

Adv S 763-3

8,260.00
111,690.0
0

PLS SAVING 16752

18,000.00

18,000.0
0
PLS SAVING 50429

2,000.00

PLS 5148-2

8,260.00

2. He, being Manager-cum-Operations Manager-cum-Compliance Officer of NBP, Gharo

Branch (Category-I Branch) was directly responsible to monitor / look after the branch
affairs, vide Presidents Office, Circular NO. 16/2001 dated 21-06-2001 whereas he
failed to exercise due vigilance and control over the branch affairs and keep falcon
eyes on dubious activities of Mr. Imran Ahmed Memon, PC Operator which facilitated
him to play havoc with the Bank who succeeded to defraud the Bank / account
holders through parallel banking by raising unauthorized / fraudulent debit / credit
entries aggregating Rs.111,690/= in various PLS, Current and NBP Advance Salary
Accounts, without existence of any voucher. Subsequently, the whole amount
withdrawn in connivance with the staff of NRSP staff namely M/s. Ghulam Mustafa &
Ashfaque Ahmed.
3. He, being Manager-cum-Operations Manager-cum-Compliance Officer of the noted
branch, knowingly and deliberately disregarded the instructions regarding checking
of all prints / outputs generated through PC as contained in Head Office, Instruction
Circular No. 56/90 dated 01-11-1990 and 81/2003 dated 15-09-2003 and he did not
bother to check the prime books of the branch minutely (Transfer Scrolls, Daily
Posting List) as a result of which the PC Operator succeeded to defraud the Bank /
account holders through parallel banking by raising unauthorized / fraudulent debit /
credit entries aggregating to Rs.111,690/= in various PLS, Current & NBP, Advance
Salary Accounts, without existence of any voucher. Subsequently, the whole amount
withdrawn in connivance with the staff of NRSP staff namely M/s. Ghulam Mustafa &
Ashfaque Ahmed.
From his above acts, he has been found guilty of gross misconduct, breach of trust,
transgression of powers and dereliction from duties.
In order to give the above-accused fair chance to defend himself, the competent authority
in exercise of powers under Section 2 (a) read with Section 3 & 5 of Removal From Service
(Special Powers) Ordinance, 2000 has decided to hold mandatory enquiry and appointed you
as Enquiry Officer under the provisions of the said Ordinance.
You are hereby advised to issue statement of allegations and charges to the above
named officer, obtain his explanation within seven days from the day statement of
allegations is communicated; conduct the enquiry into the charges levelled against him and
submit enquiry report in tabulated form along-with your specific recommendations within 25
days.

Mr. .. has been nominated

complainant (Managements Representative) to plead the managements case.

as

Copies of the following are enclosed for your information and further necessary
action:1. Guiding principles to conduct the enquiry.
2. Format of statement of allegations & charges to be issued to the accused.
3. Specimen of tabulated statement for submission of enquiry report
Yours faithfully,
Authorized Signature

Authorized Signature