Usama Bilal Ghori ,اسامہ بلال غوری Email & Phone Number

Karāchi, Sindh, Pakistan

ROLES PERFORMED AT INCEPTION OF SINDH BANK LIMITED – ISLAMIC BANKING DIVISION Actively involved in Opening of / AND • Current Account at SBP. • GOP IJARA Security Account at SBP • CRA & SCRA Fcy Accounts at SBP • GL Mapping & finalization of Treasury BOOK • Delivered the Concept of Settlement Account between ISLAMIC & CONVENTIONAL BOOKS, for clearing, cash, online & ATM Transactions.• Acquiring NIFT membership • System Testing and Implementation • Initiated the process of making relationships with FI’s by opening PLS Accounts & • Making agreements of Treasury Placements / Acceptance of Funds• Reviewed Policy Manuals for web upload. • Involved in hiring process of up-country staff • Introduced, suggested and finalized interbranch profit payment mechanism • Designing & implementation of settlement account for Foreign Currencies• Deposit Costing and preferential rates analysis • Responsible for managing the process of creation of pools, weightages system, allocation and transfer of A & L and Revenue & Expenses ,MIS and Distribution of P&L.

Karachi

Bafl Ho, I.I Chundrigar Road,Karachi

Treasury Operation’sMoney Market Operations.• Preparing Monthly PNL of Treasury & its Variance Analysis & Commentary.• Maintaining Daily CRR and SLR Position.• Maintaining CRA and SCRA Position.• Monitoring Inflows and Outflows with Banks, Brokers and Branches.• Issuance of SBP Cheque’s & IBCA’s and its Posting.• Custodian of Cheque Books, IBCAs and Safe Box Key.• Settlement of Short term financing (Placement of funds).• Settlement with FI’s for branches according to their needs for deposits.• Coordination and reconciliation with the treasury Front-Office and middle office operations.• RTGS Related Correspondence on Behalf of IBG Customers and its Settlement with BAFL (Conventional) and other FI’s.• SBP Reconciliation Current Account .• Monitoring and Booking of Profit received in Saving Account and its Reconciliation & Accruals.• Reconciliation of PLS Accounts with FI’s.• Opening of Subsidiary GL ,HO,Product Accounts in Treasury Book.• Managing & Executing the Payment Process of Brokerage Bills.• Internal & External Audit HandlingsFixed Income• Maintainence and updation of all Sukuks Purchase & Sale records and their settlement• Monthly Sukuk Accruals Amortisations & Coupon collections when due. • Settlements on account of Purchase / Sale of Sukuks hold by customers in our IPS Accounts.• Coupon Calculation & Settlement on behalf Of IPS Customers.

Bafl Ho, I.I Chundrigar Road,Karachi

Equity • Processing of mark to market of all securities.• Settlement of Sale/ Purcahse of Shares/ Funds.• Recording of Gain / Loss On Sale of Shares / Funds.• Reconciling Shares / Funds with CDC Statement.• Payment of CDC Bills if any .• Recording of Charity Given on Dividend Income.• Recording of Dividend Income.FX Operations.• Verifying Swift Messages for onward authorization and forex payments.• Preparing Exchange Position of Treasury & its reporting to SBP • Preparing FE-25 Utilization and its Break up• Settlement of Borrowing, Swap etc with BAFL Treasury.• Updation of revaluation rates in system.• Settlement of Fx Borrowing, Fx Swap’s etc with BAFL Treasury.HR• Monthly salary processing of Islamic Banking Treasury on HRMS Portal.

Ibg Finance @ Ibg Main Uni Tower Branch Karachi

Analyzing The Daily Position Of The Group By Preparing And Scrutinizing The Consolidated Balance Sheet & Income Statements Of All Branches. Consolidation Of Quarterly Financial Statements As Per SBP Formats. Preparation Of The Performance Review For The Quarter / Month Ended Where Detailed Analysis Are Conducted On The Performance Of The Bank. Report Of Classified Borrowers As Per SBP Guidelines. Expenditure Control: All Expenditures Are Compared With Previous Months Wherein All Abnormal Variances Are Investigated And Controlled. Preparation Of Month-Wise Report Of Rate Of Return On Advances And Deposits. @ BAFSTAR T-24 PROJECT OFFICE• Opened Accounts of IBG-Gulberg & IBG-Wahadat rd Branches• Worked and learned the data migration Processes .• Member of Core Team of IBG for T-24.• Active part of UAT Conduted at BAFSTAR for Islamic Operations.• During UAT,Highlighted issues in Profit Calculation & Accruals, and Reported The Issues to Group Head & Head Of Finance.

Masters; M.B.A, Business Administration; Finance

Analysis Of Financial Statements Corporate Finance Portfolio Management Treasury And Funds Management Advanced Accounting

C.A Inter

Hsc, Science

Ssc, Science