The Bank’s Credit Monitoring Cell was converted into a full fledged department as Credit Administration. Being Middle Office of credits, the Department looks after the risks identification, recommending, necessary remedial measures and act as control function of credits. Credit Administration Department ensures complete and error free documentation as per sanctions and simultaneously would work on the Internal Rating of the borrowers.

Department maintains comprehensive Management Information System relating to credits to cater for requirements of Senior Management, External Auditors and State Bank of Pakistan. The Department is also responsible to monitor all credits which includes proper documentation, adequate collaterals, stock Inspection, and effective Insurance/Risk coverage. NPL preparation is also within the ambit of the Department for collection and classification of the information according to the prescribed criteria..